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-@)&# h]i7;Dd hf/L eO{ sfod /x]sf kl/kq÷;"rgf ;d]tnfO{ ;dfj]z u/L tof/ ul/Psf]_
ljb]zL ljlgdo sf/f]jf/ ug{
Ohfhtkqk|fKt a}+s ljQLo ;+:yf /
cGo lgsfox?nfO{ hf/L ul/Psf]
PsLs[t kl/kq – @)&$
-ldlt @)&$÷@÷!(b]lv nfu'_
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
ljifo–;"rL
!= cfoft ;DaGwL Joj:yf ...................................................................................... 1
!=! k|tLtkq sf/f]jf/ ;DaGwL Joj:yf ................................................................................................ 1
!=@ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/tafx]s cGo d'n'sx?af6 k|tLtkq afx]s
D.A.P. (Documents Against Payment) tyf D.A.A. (Documents Against
Acceptence) sf] dfWodaf6 cfoft ug{ ;lsg] ;DaGwL Joj:yf M ............................................. 18
!=#= tftf]kfgL eG;f/ ljGb'dfkm{t rLgsf] :jzfl;t If]q ltAataf6 x'g] cfoft sf/f]jf/
;DaGwdf . ................................................................................................................................ 19
!=$ sRrf pmgsf] cfoft ;DaGwL Joj:yf . ..................................................................................... 20
!=% kl/jTo{ ljb]zL d'b|fdf vftf x'g] lgsfon] ef/taf6 k|tLtkq dfkm{t cfoft ug]{
Joj:yf . ................................................................................................................................... 21
!=^ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L k|tLtkq dfkm{t ef/taf6 cfoft ug{ kfOg]
dfn;fdfgx? tyf cfoft ubf{ ckgfpg'kg]{ k|lqmof . ................................................................. 22
!=& k|tLtkq ljgf 8«fˆ6÷l6=l6= sf] dfWodaf6 x'g] j:t' cfoft ;DaGwL Joj:yf M ........................... 29
!=* Unf]jn 6]08/ dfkm{t ef/t af6 cfoft x'g] j:t' tyf ;]jf vl/b ;DaGwL Joj:yf M .................... 31
!=( a}+s Uof/]06Lsf cfwf/df clu|d e'QmfgL k7fpg] ;DaGwdf .......................................................... 31
!=!) ljb]zL gful/ssf] -t];|f] d'n's tyf ef/tsf_ kfl/>ldssf] ;6xL Joj:yf ;DaGwdf M ................ 32
!=!! ef/taf6 j:t' tyf ;]jf cfoft ubf{ k|bfg ul/g] ;6xL ;'ljwf tyf ef/tLo
¿k}ofFsf] v/Lb÷ljqmL sf/f]jf/ ;DaGwL Joj:yf M ........................................................................ 33
@= ACU sf/f]jf/ ;DaGwL Joj:yf .......................................................................... 59
#= ;'g cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf ................................................................... 62
$= ;'g cfk"lt{, rFfbL cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf ................................................... 69
%= lgof{t ;DaGwL Joj:yf . ................................................................................. 78
-!_ lgof{tstf{x¿sf] nflu clu|d e'QmfgL k|df0fkq hf/L ug]{ ;DaGwL Joj:yf M.................................. 78
-@_ lgof{t k|tLtkq k|dfl0ft ul/lbg] ;DaGwL Joj:yf M ...................................................................... 80
-#_ DEEMED EXPORT nfO{ lgof{t ;/x dfGotf lbg] ;DaGwL Joj:yf M ....................................... 80
-$_ tof/L kf];fssf] lgof{t sf/f]jf/ ;DaGwL Joj:yf M ....................................................................... 80
-%_ lgof{tsf] sf/f]jf/ ug]{ tyf e'QmfgL k|fKt ug]{ ;DaGwL Joj:yf M .................................................... 81
-^_ bfnhGo j:t'x?sf] lgof{t ;DaGwL Joj:yf . ................................................................................ 82
-&_ Cash Against Documents (CAD) sf] cfwf/df dfn;fdfg lgof{t ;DaGwL Joj:yf M .................. 82
-*_ lgof{t ug]{ eG;f/ ljGb' ;DaGwL Joj:yf M .................................................................................... 82
^= lgof{tdf gub k|f]T;fxg ;DaGwL Joj:yf .......................................................................... 89
&= kl/jTo{ ljb]zL d"b|f ;6xL ;DaGwL Joj:yf . ...................................................................... 97
!= /fxbfgL afktsf] ;6xL ;'ljwf ;DaGwL Joj:yf M .......................................................................... 97
@= kl/jTo{ ljb]zL d'b|f cfh{g gePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf
kfpg] ;6xL ;'ljwf ;DaGwL Joj:yf M ........................................................................................... 99
#= kl/jTo{ ljb]zL d'b|f cfh{g ePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf
kfpg] ;6xL ;'ljwf ;DaGwL Joj:yf . ........................................................................................... 99
$= cGt/f{li6«o ;+3÷;+:yfx¿n] ef/tdf kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug]{ ;DaGwL
Joa:yf M ..................................................................................................................................... 100
%= le;f afkt ;+slnt g]kfnL ?k}+ofsf] ;6xL ;'ljwf ;DaGwL Joj:yf M ........................................... 100
^= lgof{tstf{x¿nfO{ zfvf÷;Dks{÷k|bz{g sIf h:tf sfof{nosf] nflu ;6xL ;'ljwf
pknJw u/fpg ;DaGwL Joj:yf . ............................................................................................. 100
&= j}b]lzs /f]huf/ Joj;foLx¿nfO{ ;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf M ................................ 101
*= g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3df cfj4 sDkgL÷kmd{nfO{ ;6xL ;'ljwf k|bfg ug]{
;DaGwL Joj:yf . ........................................................................................................................ 102
(= ljleGg k|of]hgsf] nflu kl/jTo{ ljb]zL d'b|fsf] ;6xL ;DaGwL Joj:yf M ...................................... 103
!)= d]lzg/L tyf cf}hf/x? ef8fdf k|of]u u/] afktsf] ;6xL ;'ljwf ;DaGwdf . ................................ 105
!!= ljljw sfo{qmdx? ;~rfng ug]{ cu'jf cfof]hs ;+:yf (Lead Organizer) nfO{ pknAw
x'g] ;6xL Joj:yf M ..................................................................................................................... 105
!@= Kofs]h 6'/ ;DaGwL sfd ug]{ 6'/ ck/]6/x?nfO{ k|bfg ug]{ ;6xL ;DaGwL Joj:yf M ..................... 106
*= cfk|jf; le;fdf ljb]z hfg] g]kfnL gful/sx?nfO{ Settlement vr{ afkt k|bfg ug]{
kl/jTo{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf ................................................................... 114
(= pRr lzIff cWoogsf] nflu kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwL Joj:yf .................................... 115
!)= g]kfnL gful/sn] gub} /fVg / ;6xL ug{ ;Sg] gub kl/jTo{ ljb]zL d'b|fsf ;DaGwdf ................... 119
!!= g]kfn ;/sf/ nufot ljleGg lgsfonfO{ cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf
;DaGwdf .............................................................................................................. 123
!@= t];|f] d'n'saf6 lnPsf] ;]jfsf] e'QmfgLsf] nflu ;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf .............. 126
!#= l/Kofl6«Pzg ;DaGwL Joj:yf . ..................................................................................... 128
!$= ljb]zL d'b|fsf] a}+s Uof/]06L hf/L ug]{ Joj:yf ;DaGwdf . ..................................................... 140
!%= On]S6«f]lgs sf8{ dfkm{t x'g] sf/f]jf/ ;DaGwL Joj:yf . ........................................................ 142
!^= gub kl/jTo{ ljb]zL d'b|f ljqmL tyf /sdfGt/ ;DaGwL Joj:yf ............................................ 147
!&= lrlgofF d'b|f o'cfg (Yuan) sf] sf/f]jf/ ;DaGwL Joj:yf ..................................................... 149
!*= ljb]zL d'b|fdf vftf vf]Ng] / ;~rfng ug]{ ;DaGwL Joj:yf .................................................. 150
!(= jf0fLHo a}+sx?n] k|jfx ug{ ;Sg] kl/jTo{ ljb]zL d'b|fsf] C0f ;DaGwL Joj:yf ............................ 161
@)= Ph]G;L a}+sx?df /fVg ;Sg] ljb]zL ljlgdo df}Hbft, Derivatives pks/0f, Forward
Contact / Interest Rate Swap ;DaGwL Joj:yf . ............................................................... 168
@!= jb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/, sld;g / ljlgdo b/ k|sfzg ;DaGwL Joj:yf ..................... 172
@@= kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug]{ ;DaGwL Joj:yf ...................................................... 176
@#= j}b]lzs nufgLsf] k|df0fkq, n]vfÍg tyf k"j{ ;~rfng vr{ nufgLdf u0fgf ;DaGwL
Joj:yf ................................................................................................................ 178
@$= ljb]zL d'b|f sf/f]jf/sf] Ohfht ;DaGwL Joj:yf ........................................................ 184
@%= ljk|]if0f sf/f]jf/ ;DaGwL Joj:yf .................................................................................. 185
@^= dlgr]Gh/nfO{ k|bfg ul/g] a§f tyf r'Qmf k"FhL ;DaGwL Joj:yf .............................................. 191
@&= ljb]zL ljlgdo ;6xL /;Lb ;DaGwL Joj:yf . ...................................................................192
@*= ;DklQ z'4Ls/0f ;DaGwL Joj:yf ................................................................................. 201
@(= ljljw Joj:yf ........................................................................................................ 227
#)= lj=lj=lg=kmf/fd tyf Online Reporting ;DaGwL Joj:yf ................................................ 230
ljb]zL ljlgdo lgoldt ug]{ P]g, @)!( sf] k|of]hgsf] nflu hf/L ul/Psf ;fj{hlgs ;"rgfx? .............. 232
-!_ k|ToIf j}b]zLs nufgL M k'FhL, C0f, Jofh tyf nfef+; ;DaGwL ;"rgf M ....................................... 232
-@_ ljb]zL nufgL -z]o/ tyf C0f_ sf] n]vf+sg u/fpg] ;DaGwdf uf]/vfkqdf k|sflzt
;"rgf .......................................................................................................................................... 237
-#_ gub g]kfnL tyf ljb]zL d'b|f cf];f/ k;f/df k|ltaGw nufOPsf] ;DaGwL ldlt
@)&@.&.* sf] lg0f{ofg';f/ ldlt @)&@.*.^ df k|sflzt ;"rgf ...................................................238
-$_ g]kfnL tyf ljb]zL gful/sn] cfkm';+u ePsf] ljb]zL ljlgdosf] ljj/0f a'emfpg]
;DaGwL ;"rgf ............................................................................................................................. 239
-%_ x'nfsaf6 ;fdfg lgof{t ug]{ ;DaGwL ;"rgf ............................................................................... 240
-^_ g]kfn /fi6« a}+snfO{ ljb]zL d'b|f ;dk{0f u/]df kfpg] ;'ljwf ;DaGwL ;"rgf ................................. 245
-&_ kl/jTo{ ljb]zL d'b|fsf] ljj/0f k]z ug]{ ;DaGwL ;"rgf ................................................................ 246
-*_ lab]zL ljlgdodf C0f lng]÷lbg] ;DaGwL Joa:yf . .................................................................... 247
-(_ ljb]zL nufgL jfktsf] ljb]zL d'b|f leq\ofpg], n]vf+sg u/fpg] / nfef+z n}hfg
lbOPsf] :yfoL ;6xL cg'dltkq af/]sf] ;"rgf ............................................................................ 250
1
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)! ÷@)&$
cfoft ;DaGwL Joj:yf
ef/t tyf cGo d'n'saf6 x'g] cfoft ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{
u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6
a}+s, a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox? tyf Ohfhtkqk|fKt æsÆ ju{ / /fli6«o :t/sf ævÆ ju{sf
ljsf; a}+sx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
!=! k|tLtkq sf/f]jf/ ;DaGwL Joj:yf
kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/t afx]s cGo d'n'sx?af6 ul/g] dfn;fdfg cfoftsf] nflu
vf]lng] k|tLtkq sf/f]jf/ ;DaGwdf lgDg Joj:yf sfod ul/Psf] 5 .
!=!=! cfoft k|tLtkq vf]Nbf ckgfpg' kg]{ k|s[of M
-s_ cfoftstf{n] k]z ug'{kg]{ sfuhftx? M
cfoftstf{n] cfoft k|tLtkq vf]Ng' k"j{ ;DalGwt a}+sn] tf]s]cg';f/sf] k|tLtkq
vf]Ng] lgj]bg (L/C Application) k"0f{?kdf e/]/ ;f] ;Fu lgDgfg';f/sf sfuhftx?
;+nUg ug'{kg]{5
-!_ cfoftstf{ kmd{sf] cBfjlws kmd{ btf{ k|df0fkq
-@_ cBfjlws cfos/ btf{ k|df0fkq
-#_ k|f]kmdf{ OGEjfO;, OG8]G6 jf sG6«ofS6 k]k/ (Proforma Invoice, Indent or
Contract Paper)
o;/L ;+nUg u/]sf] Proforma Invoice, Indent jf Contract Paper df lgDg Joxf]/f
:ki6?kdf v'n]sf] x'g'kg]{ 5 M
-c_ ;fdfgsf] gfd, j|f08 / df]8]n gDj/ eP ;f] ;d]t
-cf_ ;fdfg pTkfbg ug]{ d'n'ssf] gfd
-O_ OsfO{ d"No, kl/df0f / hDdf d"No
-O{_ OGsf]6d{ (CIF, FOB, CFR, EXW cflb _
-p_ e'QmfgLsf] lsl;d (Sight Payment, Usance eP slt ;dosf] / Deferred
Payment ePdf slt k|ltzt 8s'd]G6 k|fKt ePkl5 / slt k|ltzt ;Dk"0f{
;fdfg k|fKt ePkl5 e'QmfgL x'g] xf] ;f] s'/f v'Ng] ljj/0f cflb_
-pm_ sDtLdf cf7 Digit sf] xfdf]{lgs sf]8 g+=
-P_ cfoftstf{ tyf lgof{tstf{sf] gfd, 7]ufgf / 6]lnkmf]g
-v_ lj=lj=lg=kmf/fd g+=# eg'{kg]{ M
cfoft k|tLtkq vf]Ng lgj]bg lbg] cfoftstf{n] dfly bkmf !=!=! sf] v08 -s_ df
plNnlvt sfuhftx?sf ;fydf o;} kl/kq ;fy ;+nUg lj=lj=lg=kmf/fd g+=#
ljlwjt ?kdf e/]/ ;+nUg ug'{kg]{5 . lj=lj=lg=kmf=g+= # ebf{ # k|lt eg'{ kg]{5 .
klxnf] k|lt kmfOndf /fVg' kb{5 eg] bf]>f] / t];|f] k|lt qmdzM ;DalGwt eG;f/
2
sfof{nodf / o; ljefudf k7fpg' kg]{5 . Pp6} k|tLtkq dfk{mt PseGbf a9L ;d"x
cGt/utsf ;fdfgx?sf] k|tLtkq vf]Nbf jf e'QmfgL ubf{ ;d"x cg';f/ leGbfleGb}
d"No tyf kl/df0f clgjfo{?kdf pNn]v ug'{ kg]{5 .
-u_ eG;f/ ljGb' ;DaGwL Joj:yf M
-!_ cfoft k|tLtkq vf]Nbfs} cj:yfdf cfoft ul/g] dfn;fdfg h'g h'g eG;f/
ljGb'af6 lelqg] xf] ;f] eG;f/ ljGb'sf] gfd / 7]ufgf k|tLtkqdf clgjfo{?kn]
pNn]v ug'{kg]{5 tyf ;f]xL eG;f/ ljGb' dfkm{t cfoft x'g] k|tLtkqsf
sfuhftx? dWo] sDtLdf Invoice cyjf Transport Document dWo] s'g}
Psdf ;f] gfsf pNn]v x'g] u/L vf]Ng' kg]{ 5 .
-@_ Ps eGbf a9L eG;f/ ljGb'af6 cfoft ubf{ k|To]s eG;f/ laGb'af6 cfoft
x'g] dfnj:t'sf] kl/df0f / /sd k|tLtkqdf :ki6?kdf v'Ng'kg]{ / dfnj:t'
cfoft eP÷gePsf] ;DalGwt a}+sn] cg'udg ug{'kg{]5 .
-#_ s'g} eG;f/ sfof{noaf6 dfnj:t' cfoft ug]{ u/L k|tLtkq vf]n]sf] t/
sf/0fj; ;f] eG;f/ sfof{nosf] ;§f cGo eG;f/ sfof{noaf6 cfoft ug{'kg]{
cj:yf k/]df ;DalGwt cfoftstf{af6 eG;f/ kl/jt{g ug{'kg]{ cf}lrTo k'li6
x'g] sfuhft lnO{ k|tLtkq vf]n]sf] a}+sn] cfoft x'g] eG;f/ gfsf ;+zf]wg
u/]sf] k|df0f -lj=lj=lg=kmf/fd_ cfoft x'g] eG;f/ sfof{nodf k]z ug{'kg]{ 5 .
o;/L cfoft x'g] eG;f/ laGb' kl/jt{gsf nflu cGo lgsfosf] cg'dlt jf
l;kmfl/; cfjZos kg]{ 5}g . o; k|of]hgsf] nflu Psk6s lj=lj=lg=kmf/fd
hf/L eO;s] kl5 ;f]sf] ;Ssn k|lt k|fKt geO{ csf]{ lj=lj=lg kmf/d hf/L
ug{ kfOg] 5}g .
-$_ g]kfn ;/sf/ cGt/utsf laleGg sfof{no, cfof]hgf tyf ;/sf/L
;+:yfgx?n] cfoft ug]{ ;fdfg afx]s cGo cfoftstf{x?n] t];|f] d'n'saf6
ef/tsf] sf]nsftf÷xlNbof aGb/ufx x'Fb} -6«s jf /]ndfu{ dfk{mt_ cfoft
ul/g] ;Dk"0f{ j:t'x? lgDg eG;f/ gfsfx?af6 dfq g]kfn leq\ofpg' kg]{5 .
-s_ d]rL eG;f/ -v_ lj/f6gu/ eG;f/ -u_ aL/u~h eG;f/ -3_ e}/xjf
eG;f/ -ª_ g]kfnu~h eG;f/ -r_ wgu9L eG;f/ -5_ jL/u~h ;'Vvf
jGb/ufx eG;f/ .
-%_ ;Dk"0f{ cfoftstf{x?n] t];|f] d'n'saf6 ef/tsf] ljzfvfktgd aGb/ufx x'Fb}
tf]lsP adf]lhd 6«s jf /]ndfu{ dfk{mt cfoft ul/g] ;Dk"0f{ j:t'x? lgDg
eG;f/ gfsfx?af6 dfq g]kfn leq\ofpg' kg]{5 .
-s_ lj/f6gu/ eG;f/ -v_ aL/u~h eG;f/ -u_ e}/xjf eG;f/ -3_
g]kfnu~h eG;f/ -ª_ jL/u~h ;'Vvf aGb/ufx eG;f/ .
-^_ xjfO{ dfu{ k|of]u eO{ cfoft ul/g] ;fdfgsf] xsdf lqe'jg cGt/f{li6«o
ljdfg:yn eG;f/ sfof{noaf6 klg k|tLtkq cGtu{tsf] ;fdfg cfoft ug{
;lsg]5 .
-&_ lrlgofFF e"efu eO{ 6«s jf /]ndfu{af6 k|tLtkqdfk{mt cfoft ubf{ lgDg
eG;f/ gfsfx?af6 ;fdfg cfoft ug'{ kg]{5 .
-s_ tftf]kfgL eG;f/, l;Gw'kfNrf]s -v_ /;'jf eG;f/, /;'jf
-*_ sf]nsftf÷xlNbof tyf ljzfvfktgd aGb/ufx x'Fb} ;fdfg cfoft ug{
vf]lnPsf k|tLtkqx?sf] ;DalGwt aGb/ufxaf6 ;fdfg 5'6fpg] k|of]hgsf]
nflu 5'§f5'§} ljj/0f tof/ u/L o; ljefudf k]z ug{'kg]{5 .
3
-(_ k|tLtkq cGt/ut ef/taf6 dfn;fdfg cfoft ubf{ ;d]t plNnlvt
Joj:yfx? nfu' x'g]5 .
-3_ s]Gb|Lo :t/af6 cg'udg x'g'kg]{ M
cd]l/sL 8n/ %) xhf/ jf ;f] a/fj/sf] kl/jTo{ ljb]zL d'b|f eGbf a9L /sdsf]
k|tLtkqx? vf]lnPsf] cj:yfdf ;DalGwt a}+ssf] s]Gb|Lo sfof{non] clgjfo{?kdf
cg'udg ug'{kg]{5 .
-ª_ k|tLtkqsf] /sd ;+zf]wg M
a}+sn] k|tLtkq vf]ln;s] kl5 k|tLtkqdf plNnlvt /sdsf] bz k|ltzteGbf a9L
x'g] u/L ;+zf]wg ug'{k/]df lgodfg';f/ ug'{kg]{ cGo s'/fx?sf cltl/Qm cfˆgf] s]Gb|Lo
sfof{nosf] ;d]t :jLs[lt lng'kg]{5 . t/, ;+zf]lwt /sd cd]l/sL 8n/ Psxhf/ jf
To; a/fj/sf] cGo kl/jTo{ ljb]zL d'b|f jf ;f] eGbf sd x'g] ePdf To:tf] :jLs[lt
lng cfjZos kg]{ 5}g .
!=!=@ k|tLtkqdf ;+zf]wg
dfly bkmf !=!=! sf] v08 -s_ df plNnlvt Proforma Invoice, Indent jf Contract Paper sf cfwf/df cfoft k|tLtkq vf]ln;s]kl5 Beneficiary / Applicant b'a}sf] :jLs[ltdf To;
k|tLtkq pk/ ;+zf]wg ug'{k/]df lgodfg';f/ ;+zf]wg ug{ ;lsg]5 . -b|i6JoM k|tLtkq vf]Nbf
jf ;+zf]wg ubf{ All Discrepancies Acceptable eGg] h:tf Clause /fVg kfOg] 5}g_
!=!=# k|tLtkqsf] ;]6nd]G6 tyf e'QmfgL k|s[ofM
-s_ cfoftstf{ (Applicant_ sf] cg'/f]wdf lgodfg';f/ vf]lng] k|tLtkq Opening Bank n] cfˆgf] Correspondent a}+s dfk{mt ljb]zl:yt Beneficiary sf] gfddf :jLkm\6
dfk{mt k7fpg' kg]{5 . o;/L k7fPsf] k|tLtkq cGtu{t Beneficiary åf/f tof/
kfl/Psf k|tLtkq ;DaGwL sfuhftx? (L/C Documents) Negotiating Bank af6 Opening Bank df k|fKt ePkl5 lgodfg';f/ To:tf sfuhftx? k|tLtkqsf] zt{
cg';f/ 5÷5}g hfFr u/]kl5 dfq k|tLtkqsf] Settlement u/L e'QmfgL k|s[of cl3
a9fpg' kg]{5 .
-v_ o;/L ul/g] e'QmfgL k|s[of Reimbursement Basis df vf]lnPsf k|tLtkqdf,
Collection basis df e'QmfgL ul/g] u/L vf]lnPsf k|tLtkqdf / Usance Basis df
vf]lng] k|tLtkqdf km/s km/s x'g] ePsf]n] ;f]xL adf]lhd e'QmfgL k|s[of k"/f ug'{
kg]{5 .
-u_ k|tLtkqsf] /sd e'QmfgL ubf{ ACU cGt/utsf d'n'sx?df -ef/t afx]s_ ACU sf]
ljBdfg Joj:yf cg';f/ ACU Machanism cGt/ut /xL e'QmfgL ug{' kg]{5 .
-3_ ef/t tyf cGo t];|f] d'n'sdf e'QmfgL ubf{ Opening Bank sf] ;DalGwt kl/jTo{
ljb]zL d'b|f cGt/utsf] Nostro Account af6 Negotiating bank dfk{mt Beneficiary sf] vftfdf k7fpg] Joj:yf ug'{ kg]{5 . Beneficiary nfO{ ;f]e}m 8«fkm\6, l6=l6 jf
Wire Transfer sf] dfWodaf6 e'QmfgL ug{ kfOg] 5}g .
-ª_ Negotiating Bank af6 k|fKt ePsf cfoft k|tLtkq ;DaGwL sfuhftx? (L/C Documents) k|tLtkqsf] ;]6nd]G6 kl5 cfoftstf{sf] ;fdfg ef/tLo jGb/ufxaf6
5'6fpg] k|of]hgsf] nflu b/kL7 u/L x:tfGt/0f ubf{ cfoftstf{sf] cfjZostf
cg';f/ p;}n] tf]s]sf] lSnol/Ë P08 km/jfl8{Ë Ph]G6sf] gfddf b/kL7 u/L
x:tfGt/0f ug{' kg]{5 . o; k|of]hgsf nflu a}+sx?n] lSnol/Ë P08 km/jfl8{Ë
Ph]G6x?sf] Kofgn v8f u/L ;f]xL Kofgndf /x]sf Ph]G6 tyf sDkgLx? dfk{mt dfq
sf/f]jf/ ug'{kg]{5 .
4
!=!=$ lj=lj=lg=kmf/fd g+=$ hf/L ug'{ kg]{ M
-s_ k|tLtkqdfk{mt cfoft ul/Psf] ;fdfg tf]lsPsf] eG;f/ gfsfaf6 g]kfn leq\ofpgsf
nflu k|tLtkq vf]Ng] a}+sn] lj=lj=lg=kmf/fd g+=$ hf/L ug'{ kg]{5 . lj=lj=lg=kmf/fd
g+=$ sf] gd"gf o;} kl/kq;fy ;+nUg ul/Psf] 5 . pQm kmf/fdsf ;fydf a}+sn]
lgDg cg';f/sf sfuhftx? ;d]t k|dfl0ft u/L ;fy;fy} k7fpg' kg]{5 .
-!_ "Certified True Copy" egL 5fk nufP/ clwsf/ k|fKt clwsf/Ln] b:tvt
u/]sf] k|tLtkqsf] 5ljlrq -;+zf]wg ePsf] eP ;f] ;d]t pNn]v ePsf]_
-@_ Jofkfl/s aLhs (Commercial Invoice_
-#_ KoflsË lni6 (Packing List_ -k|tLtkqdf dfu ul/Psf] cj:yfdf dfq_
-$_ pTklQsf] k|df0fkq (Certificate of Origin) -%_ 9'jfgL ;DaGwL sfuhft (Transport Document) -^_ jLdf ;DaGwL sfuhft (Copy of Insurance Document)
-v_ lj=lj=lg=kmf/fd g+= $ tof/ ug'{ kg]{ M k|tLtkq vf]Nbf o;} kl/kq;fy ;+nUg gd'gf
adf]lhdsf] $ k|lt lj=lj=lg= kmf=g+= $ tof/ u/L b]xfo adf]lhd ug'{kg]{5 M
-!_ klxnf] / bf]>f] k|lt dfly !=!=$-s_ df -!_ b]lv -^_ ;Dd pNn]v ul/Psf
sfuhftx? ;Fu} eG;f/ sfof{nodf k7fpg] .
-@_ t];|f] k|lt o; a+}snfO{ pknAw u/fpg] .
-#_ rf}yf] k|lt sfof{no k|of]hgsf] ;DalGwt a}+sn] /fVg] .
-$_ eG;f/ sfof{nonfO{ pknJw u/fOPsf @ k|lt dWo] ! k|lt ;DalGwt eG;f/
sfof{noaf6 ;fdfg lelqPsf] k|dfl0ft eO;s]kl5 ;DalGwt a}+sdf lkmtf{
k7fpg] Joj:yf ug{'kg]{ .
-%_ o;/L k7fPsf] lj=lj=lg=kmf/fd g+=$ hf/L ePsf] ldltn] tLg dlxgf;Dd -tn
bkmf !=!=%-s_ sf] -#_ df pNn]v eP afx]s_ klg eG;f/ sfof{noaf6 -
;fdfg g]kfn lelqPsf] k|df0f :j?k_ lkmtf{ gcfPdf To:tf k|tLtkqsf]
sf/f]jf/ ug]{ cfoftstf{x?sf] k]mxl/:t pQm tLg dlxgf ;dfKt eP kZrft\
cfpg] dlxgfsf] klxnf] ;ft lbg leq ;DalGwt a}+sn] o; a}+snfO{ pknJw
u/fpg' kg]{ .
-^_ Usance tyf Deferred Payment k|tLtkq cGt/ut x'g] cfoftsf] xsdf
klg ;DalGwt cfoftstf{n] a}+saf6 sfuhft 5'6fpFbf lj=lj=lg=kmf=g+=$ e/]/
To;df kl5 ul/g] e'QmfgL ;DaGwL s'/f pNn]v u/L eG;f/ k|of]hgsf] nflu
hf/L ug'{ kg]{ .
-&_ Usance tyf Deferred Payment k|tLtkqsf] e'QmfgL ;fdfg lelqPsf]
lglZrt ;dokl5 dfq ul/g] x'Fbf To:tf] e'QmfgLsf] xsdf lj=lj=lg=kmf=g+= $-
3_ sf] yk Joj:yf ul/Psf]n] To:tf] e'QmfgL ul/Pkl5 ;+nUg gd'gf
adf]lhdsf] lj=lj= lg=kmf=g+= $-3_ e/]/ lgoldt ?kdf o; a}+sdf k7fpg'
kg]{ .
!=!=% w/f}6L ;DaGwL Joj:yf M
-s_ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g]u/L ;a}} b]zx?af6 -ef/t ;lxt_ dfn;fdfg cfoft
ug{ vf]lnPsf cfoft k|tLtkqdf lng'kg]{ w/f}6L ;DaGwdf b]xfo adf]lhd Joj:yf
ul/Psf] 5 . a}+sx?n] cfoftstf{af6 w/f}6L lnFbf b]xfo adf]lhd lng ;Sg]5g\ M
-!_ cfoftstf{af6 ;f]e}m gub hDdf lnP/ .
-@_ cfoftstf{sf] lgIf]k vftf÷cf]e/ 8«fkm\6 vftf vr{ u/L .
5
-#_ g]kfn ;/sf/af6 hf/L ePsf /fli6«o jrtkq, /fi6« C0fkq / 6«]h/L aLn
h:tf pks/0fx? lwtf] /fv]/ .
-$_ g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?sf] dfGo x'g]
C0fkq tyf j08 / To:tf ;+:yfx?sf] d'2tL /;Lb lwtf] /fv]/ .
-%_ rNtL tyf art vftfsf] df}Hbft Po/dfs{ u/]/ .
-^_ cf]e/ 8«fkm\6 nufot cGo km08]8 shf{sf] lnld6 Po/ dfs{ u/]/ .
pko{'Qm lnOg] w/f}6L /sd a}+sx?n] k|tLtkq vf]Nbf lng] u/]sf] ;'/If0f dflh{gsf]
cltl/Qm x'g]5 .
-v_ sf7df8f} pkTosfl:yt k|tLtkq sf/f]jf/ ug]{ a}+ssf s]Gb|Lo sfof{no nufot ;j}
zfvf sfof{nox?n] o; a}+ssf] a}+lsË sfof{nodf vf]lnPsf tt\–tt\ a}+sx?sf]
s]Gb|Lo sfof{nosf] d'Vo vftfaf6 k|tLtkqsf] w/f}6L ;DaGwL sf/f]jf/ ug'{ kg]{5 .
-u_ sf7df8f} pkTosf aflx/sf a}+s zfvf÷sfof{nox?n] cf–cfˆgf] If]ql:yt o; a}+ +ssf
sfof{nox?df vf]n]sf d'Vo vftfaf6} k|tLtkqsf] w/f}6L ;DaGwL sf/f]jf/ ug'{kg]{5 .
-3_ k|tLtkq sf/f]jf/ ug]{ a}+ssf sfof{nox?nfO{ cflwsfl/s dfusf cfwf/df o;
a+}ssf] ;DalGwt sfof{noaf6 5'6[f 5'6[} r]sa's pknJw u/fOg]5 . -s'g kl/kqsf] xf]
x]g]{_
-ª_ pBf]ux?n] k|tLtkq dfk{mt\ ug]{ cfoftsf] xsdf Negotiating Bank af6 k|tLtkqsf
sfuhftx? k|fKt ePkl5 k|tLtkqsf sfuhftdf plNnlvt /sdsf] @ -b'O{_ k|ltzt
/sd w/f}6L afkt lng' kg]{5 . o;/L w/f}6L lnP/ dfq lj=lj=lg=kmf=g+=$ hf/L ug'{
kg]{5 . Sight/ Usance/ Deferred Payment h'g;'s} k|sf/sf] k|tLtkq ePtfklg olx
Joj:yf nfu' x'g]5 . cfoftstf{ pBf]un] rfx]df pQm w/f}6L /sd a/fa/sf]
Psf06k]oL r]s k|tLtkqdf pNn]v ul/Psf] eG;f/ sfof{nosf] gfddf hf/L ug{
;lsg]5 . o;/L hf/L ePsf] r]s dfly bkmf !=!=% sf] -v_ / -u_ df Joj:yf eP
adf]lhdsf vftfaf6 vr{ ug'{ kg]{5 . t/ lgDg sfuhft ;+nUg eO{ cfPsf]
cj:yfdf eg] w/f}6L lng gkg]{ Joj:yf ul/Psf] 5 .
-!_ g]kfn ;/sf/ eG;f/ ljefun] ;DalGwt cfoftstf{sf] gfddf hf/L u/]sf]
j08]8 j]o/xfp;sf] k|df0fkq . -To:tf] k|df0fkqsf] Dofb u'h|]sf] cj:yfdf
gjLs/0f ul/Psf] x'g'kg]{ 5 _ .
-@_ cfoft u/]sf] dfn;fdfg 5'6fpg g]kfn ;/sf/sf] ;DalGwt eG;f/
sfof{nosf] gfddf hf/L ul/Psf] a}+s Uof/]06Lsf] k|ltlnlk .
-r_ Jofkfl/s kmd{åf/f k|tLtkqdfk{mt ul/g] cfoftsf] xsdf k|tLtkq cGtu{t e'QmfgL
k7fpg' cl3 k|tLtkq /sd -8s'd]G6 Eofn'_ sf] !) k|ltzt /sd w/f}6Lsf] ?kdf
lnP/ dfq lj=lj=lg=kmf=g+=$ hf/L ug'{kg]{5 . t/, Jofkfl/s kmd{af6 lnOg]
o;k|sf/sf] w/f}6L lng] ;do eg] k|tLtkqdf plNnlvt e'QmfgLsf] zt{ -Payment
terms_ cg';f/ km/s kg{ ;Sg]5 .
-!_ k|tLtkq cGtu{t s'g} Document Collection sf] cfwf/df k|fKt x'g cfPdf
jf Negotiate eO{ cfPdf ;d]t k|tLtkq hf/L ug]{ a}+sn] Document k|fKt
ePkl5 sfuhft 5'6fpg] -Document Release) ug]{ avtdf /sd e'QmfgL
ug{' cl3 Document Value sf] !) -bz_ k|ltzt w/f}6Lsf] ?kdf lnO{
lj=lj=lg=kmf=g+=$ hf/L ug'{ kg]{5 .
-@_ k|tLtkqdf e'QmfgLsf zt{x? T.T.Reimbursement basis ePsf] v08df
k|tLtkq hf/L ug'{eGbf klxnf g} k|tLtkqdf plNnlvt /sdsf] (Tolerance
6
ePdf ;f] ;d]t_ !) k|ltzt w/f}6L /sd lnP/ dfq k|tLtkq hf/L ug'{ kg]{5
/ lj=lj=lg=kmf=g+=$ klg hf/L ug'{ kg]{5 . o;/L hf/L ePsf lj=lj=lg=kmf=g+=$
;DalGwt eG;f/ sfof{noaf6 k|dfl0ft eO{ a}+sdf a'emfpg' kg]{ Dofb !@)
lbg sfod x'g]5 .
-#_ dfly bkmf !=!=% sf] -r_ sf] -!_ / -@_ cg';f/ lnPsf !) k|ltzt w/f}6L
/sd cfoftstf{n] rfx]df k|tLtkqdf plNnlvt eG;f/ sfof{nosf gfddf
Psfp06k]oL r]s dfly v08 !=!=% sf] -v_ / -u_ df Joj:yf ePsf
vftfx?af6 vr{ x'g] u/L hf/L ug'{ kg]{5 .
-$_ o;/L hf/L ul/Psf] k|To]s r]ssf] k5fl8 b]xfo adf]lhdsf s'/fx? k|i6?kdf
pNn]v ug'{ kg]{5 .
-c_ k|tLtkq gDj/
-cf_ cfoftstf{sf] gfd
-O_ Jofkfl/s aLhs gDj/
-O{_ aLhsdf plNnlvt ljb]zL d'b|f /sd
-p_ lgof{tstf{sf] gfd
-pm_ lj=lj=lg=kmf=g+=$ sf] l;l/on g+=
pko{'Qmfg';f/ cfoftstf{n] a'emfpg' kg]{ eG;f/ dxz'n nufot cGo /fh:j
/sdsf] k|of]hgsf] nflu ;d]t pQm r]ssf] /sd k|of]u ug{ ;lsg]5 .
-5_ dfly bkmf !=!=% sf] -ª_ / -r_ df h'g;'s} s'/f n]lvPsf] ePtfklg ;DalGwt a}+sn]
Clean Document sf] cfwf/df plNnlvt Dofbleq e'QmfgL u/]kZrft\ cfoftstf{n]
Document 5'6fpg gcfPsf] jf cfoftstf{n] a}+snfO{ e'QmfgL lbO{ g;s]sf]
cj:yfdf klg lj=lj=lg= kmf=g+=$ clgjfo{?kn] hf/L ug'{ kg]{5 . cfoftstf{nfO{ ;f]
kmf/fd lbg] jf glbg] eGg] s'/f ;DalGwt a}+s cfk}mFn] lg0f{o ug{ ;Sg]5 .
-h_ pko{'Qm cg';f/ hf/L ePsf w/f}6L /sdsf r]sx? ;DalGwt eG;f/ sfof{no dfk{mt
o; a}+ssf] a}lsË sfof{no, yfkfynL nufot pkTosf aflx/sf sfof{nox?df k|fKt
ePkl5 tL r]sx? -tn bkmf -`_ cg'?k l/t gk'u]sf ;d]t_ cfˆg} sfof{nodf /x]sf]
vftfsf] eP ;f]xL vftf vr{ u/L / cGo sfof{nosf] eP aLn v/Lbsf dfWodaf6
eG;f/ sfof{nonfO{ tTsfn e'QmfgL lbO{ k|rlnt Joj:yf adf]lhd lx;fj ldnfg ug'{
kg]{5 .
-em_ eG;f/ sfof{nosf] gfddf r]s hf/L u/] kl5 ;DalGwt a}+sn] o; a}+ssf] a}lsË
sfof{no jf lhNnfl:yt sfof{nodf /x]sf d'Vo vftfdf kof{Kt /sd /fVg' kb{5 .
eG;f/af6 k|fKt r]sx? afkt vr{ n]Vbf syd\sbflrt vftfdf kof{Kt df}Hbft
gePdf gk'u /sddf ?=!,))).– jf a}+sb/ + @ k|ltztsf b/n] nufOg] JofhdWo]
h'g a9L x'G5 ;f] /sd xhf{gf nufOg] 5 .
-`_ eG;f/ sfof{nosf gfddf hf/L ul/g] o:tf r]sx?df Protectograph, ldlt, hf/L
ug]{ a}+ssf] gfd, 7]ufgf nufot r]s tof/ ubf{ lgodfg';f/sf ;a} /Lt k'¥ofO{ hf/L
ug'{ kg]{5 . syd\sbflrt /Lt gk'¥ofO{ hf/L ePsf] cj:yf b]lvPdf h] h:tf]
cj:yfsf] ePklg ;DalGwt a}+ssf] vftf vr{ u/L eG;f/ sfof{nonfO{ e'QmfgL lbg]
Joj:yf ug'{ kg]{ ePsf]n] o;af6 kg{ hfg] gsf/fTds k|efjsf] lhDd]jf/L r]s hf/L
ug]{ ;DalGwt a}+ss} x'g]5 . ;fy}, s'g} a}+sn] o:tf] r]s hf/L ubf{ plNnlvt /Lt
gk'¥ofPsf] cj:yfdf /Lt gk'u]sf] k|To]s r]ssf] nflu ?=%)).– sf b/n] xhf{gf
nufOg]5 .
7
-6_ olb s'g} cfofltt dfn;fdfgdf nfUg] ;Dk"0f{ eG;f/ cfofltt j:t'sf] d"Nosf]
dx;"n !) -bz_ k|ltzt eGbf sd ePsf] sf/0f !) -bz_ k|ltzt a/fj/ /sdsf]
r]s hf/L ug{ pko'Qm gx'g] Joxf]/fsf] lgj]bg cfoftstf{af6 k|fKt ePdf pQm
lgj]bgdf pNn]v u/] cg';f/sf] k|ltztn] x'g] /sd j/fj/sf] r]s hf/L ug]{ / afFsL
/sd w/f}6Lsf] ¿kdf lnO{ lj=lj=lg=kmf=g+=$ hf/L ug'{kg]{5 . pko'{Qm w/f}6L /sd
;DalGwt a}+sn] lkmtf{ lbg ;Sg]5 . o:tf] /sd lkmtf{ lbg'cl3 ;DalGwt a}+sn]
b]xfosf sfuhftx? k|fKt u/]sf] x'g'kg]{ 5 M
-!_ eG;f/ sfof{noaf6 b/kL7 eO{ cfPsf] lj=lj=lg=kmf=g+=$ sf] ;Ssn k|lt
-@_ k|1fkgkqsf] k|ltlnlk
-#_ /fh:j lt/]sf] /;Lb
syd\sbflrt w/f}6L afktsf] r]sx? /2 ug'{ k/]df lgDg sfuhft x]/L hfFrL
;DalGwt a}+s cfk}mn] /2 ug{ ;Sg]5 .
-c_ cfoft eG;f/ k|1fkgkq .
-cf_ /fh:j afkt /sd a'emfPsf] lg:;f .
-O_ ;DalGwt eG;f/ sfof{noaf6 k|dfl0ft eO{ cfPsf] lj=lj=lg=kmf=g+=$
-7_ Jofkfl/s kmd{ / cf}Bf]lus kmd{ afx]s lgDg k|tLtkqx¿df dfly pNn]v eP
adf]lhd w/f}6L lng' gkg]{ Joj:yf ul/Psf] 5 .
-!_ kl/jTo{ ljb]zL d'b|fdf vftf ePsf vftfjfnfn] ;f] vftf vr{ x'g] u/L
vf]n]sf k|tLtkqx¿
-@_ s'6gLlts ;'ljwf k|fKt lgsfon] vf]n]sf k|tLtkqx¿
-#_ g]kfn ;/sf/ jf g]kfn ;/sf/sf] k"0f{ :jfldTj k|fKt ;+:yfgx¿n] vf]n]sf
k|tLtkqx¿
-$_ ljb]zL C0f, ;xof]u / ;xfotf cGtu{t ljb]zaf6} zf]wegf{
(Reimbursement) x'g] u/L vf]lnPsf k|tLtkqx¿
-8_ k|tLtkq vf]Ng] a}+ssf] zfvf sfof{noaf6 hf/L eO;s]sf] lj=lj=lg=kmf=g+=$ lgwf{l/t
;doleq lkmtf{ cfP÷gcfPsf] / w/f}6L afkt hf/L r]sx¿ e'QmfgL eP÷gePsf] af/]
;DalGwt sfof{non] lgoldt ¿kn] cg'udg ug'{kg]{5 . syd\sbflrt, r]s hf/L
ePsf] ldltn] a9Ldf () -gJj]_ lbgleq -dfly !=!=% sf] v08 -r_ sf] -@_ df
pNn]v ePsf] xsdf !@) lbgleq_ klg s'g} r]ssf] e'QmfgL gePsf] b]lvg cfPdf
To:tf r]s ;DaGwL ;Dk"0f{ ljj/0f pQm () cyjf !@) lbgsf] Dofb ;dfKt eP
kZrft\ cfpg] dlxgfsf] klxnf] ;ft lbgleq o; ljefunfO{ hfgsf/L u/fpg' kg]{5 .
o; ;DaGwL tf]lsPsf s'g} kmf/fd lgwf{l/t ;doleq gcfPdf ;f]sf] hfgsf/L ;d]t
o; ljefunfO{ lbg'kg]{5 .
-9_ eG;f/ sfof{nosf] gfddf hf/L ul/Psf w/f}6L afktsf r]s Dofbleq k|of]u x'g
g;sL Dofb yk ug{ cfPdf ;DalGwt a}+s cfk}mn] To:tf r]ssf] Dofb yk ug{ ;Sg]
cyjf pQm r]ssf] ;Ssn g} lkmtf{ lnO{ ;f]sf] ;§fdf gofF r]s hf/L ug{ ;d]t
;lsg]5 .
-0f_ k|tLtkq gvf]nL 8«fkm\6÷l6=l6=÷DAP/DAA sf] dfWodaf6 cfoft ubf{ lnOg] @
k|ltzt, !) k|ltzt cyjf !% k|ltzt w/f}6Lsf] ;DaGwdf klg r]s ;DaGwL dfly
plNnlvt Joj:yf nfu' x'g]5 . r]ssf] k5fl8 ljj/0f ebf{ k|tLtkq gDa/sf] ;§f
Draft /T.T. Reference/DAP/DAA gDa/ pNn]v ug'{kg]{5 .
8
-t_ s'g} klg cfoft k|tLtkqsf] nflu :yfoL ;Ldf (Permanent Limit) :jLs[t u/fO{
sf/f]jf/ ug]{ pBf]uL÷Joj;foLn] rfx]df cfjZos w/f}6L a/fa/sf] /sd :jLs[t
sf]ifdf cfwfl/t ;Ldf (Funded Limit) nfO{ dfls{Ë u/]/ klg lj=lj=lg=kmf=g+=$ hf/L
ug{ ;Sg]5g\ .
-y_ /f;folgs dnsf] cfoftdf lghL If]nnfO{ ;d]t ;xeflutf u/fpg] Joj:yf ePsf]n]
;f] k|of]hgsf] nflu /f;folgs dnsf] Specification cg';f/ cfoft k|tLtkq
vf]Ng'kg]{ 5 / ;f] k|tLtkqsf] ! -Ps_ k|lt g]kfn ;/sf/, s[lif tyf ;xsf/L
dGqfno, /f;flogs dn OsfO, l;+xb/af/df k7fpg' kg]{5 . s'g} cfoftstf{n]
k|tLtkq dfk{mt /f;folgs dn cfoft ug{ rfx]df ;DalGwt a}+s cfk}mFn] b]xfo
adf]lhd k|rlnt Joj:yf cGtu{t /xL k|tLtkq vf]Ng ;lsg]5 .
-!_ /f;folgs dnsf] cfoft d"Nosf] @ k|ltztn] x'g] /sd a/fa/sf] gub jf
artkq jf ljsf; C0fkq jf ;DalGwt a}+snfO{ dfGo x'g] ;'/If0fkq
w/f}6Lsf] ¿kdf /fvL k|tLtkq vf]Ng ;lsg]5 .
-@_ /f;folgs dnsf] cfoft k|tLtkq vf]ln;s]kl5 k|tLtkq /sd a/fa/sf] dn
cfoft gePdf ;DalGwt a}+sn] To:tf ;'/If0fkq /f]Ssf u/L & -;ft_
lbgleq o; ljefunfO{ clgjfo{¿kdf hfgsf/L u/fpg'kg]{ .
-#_ a}+s Uof/]G6Lsf] cfwf/df /f;folgs dn cfoft ug'{k/]df eg] o; a}+ssf]
:jLs[lt clgjfo{ ?kdf lng'kg]{ 5 .
!=!=^ cfoft k|tLtkq ;DaGwL cGo clgjfo{ Joj:yfx¿ M
-s_ k|tLtkq vf]n]sf] ldlteGbf cl3 9'jfgLstf{ (Transporter) af6 hf/L ePsf] 9'jfgL
;DaGwL sfuhft (Transport Documents) sf] cfwf/df a}+sn] k|tLtkqsf] e'QmfgL
lbg tyf ;f] k|tLtkq;Fu ;DalGwt cGo sfdsf/jfxL ug'{k/]df Uniform Customs
& Practice for Documentary Credit UCP 600 cGtu{t /xL cfoft ul/g] ;fdfg
eG;f/ laGb'df cfO{ k'lug;s]sf] egL ;DalGwt cfoftstf{n] :j3f]if0ff u/]sf]
sfuhft ;lxt k|tLtkq ;+zf]wg ul/lbg lgj]bg u/]df ;f] adf]lhd ;+zf]wg ug{
;lsg]5 . ef/taf6 ;fdfg 9'jfgL x'g] u/L vf]lnPsf] k|tLtkqsf] xsdf To:tf]
Declaration cfjZos kg]{ 5}g .
-v_ bkmf !=!=^ sf] -s_ df plNnlvt 9'jfgL ;DaGwL sfuhft (Transport Document)
hf/L ePsf] ldlteGbf $% -k}+tfnL;_ lbg kl5 ;DalGwt a}+sdf k|fKt x'g cfPdf
To:tf k|tLtkqsf] 5'§} ljj/0f dfl;s ¿kdf o; ljefudf k7fpg' kg]{5 .
-u_ eG;f/ sfof{noaf6 lj=lj=lg=kmf=g+=$ k|fKt ePkl5 ;DalGwt a}+sn] eG;f/ /;Lbsf]
kmf]6f]skL ;Ssn /;Lb;Fu le8fO{ k|dfl0ft u/L /fVg' kg]{5 .
-3_ cfoftstf{n] a}+s;Fu k|tLtkq ;DaGwL sf/f]jf/ ubf{ ;DalGwt kmd{ jf sDkgLsf]
gfddf vf]lnPsf] vftfaf6 dfq ug'{ kg]{5 . kmd{ jf sDkgLsf] gfddf vftf vf]Nbf
;DalGwt kmd{ jf sDkgLsf] clwsf/k|fKt clwsf/L :jo+ pkl:yt eO{ u/]sf] b:tvt
;DalGwt a}+ssf clws[taf6 ;gfvt u/L k|dfl0ft ug'{ kg]{5 .
-ª_ vftf vf]Nbf cfjZos kg]{ sfuhftsf k|ltlnlkx¿ ;DalGwt a}+ssf clws[tn]
;Ssn sfuhft x]/L k|dfl0ft ug'{kg]{5 .
-r_ k|tLtkq vf]Ngsf] nflu cfjZos kg]{ lgDg sfuhftsf k|ltlnlkx¿ k|To]s cfly{s
jif{df Psk6s ;DalGwt a}+ssf clws[tn] ;Ssn x]/L k|dfl0ft u/L kmfOndf
;'/lIft /fVg'kg]{5 .
-!_ cBfjlws ePsf] kmd{sf] btf{ k|df0fkq jf sDkgL btf{ k|df0fkq
9
-@_ cfos/ btf{ k|df0fkq
-#_ kmd{÷sDkgLsf ;~rfnsx?sf] gful/stfsf] k|df0fkq÷/fxbfgL
-$_ clwsf/k|fKt JolQmsf] gful/stfsf] k|df0fkq÷/fxbfgL
-5_ a}+sdf k|tLtkq vf]Ng] kmd{ jf sDkgLn] cfˆgf] tkm{af6 sfd ug{ s;}nfO{ clVtof/L
lbFbf kmd{ jf sDkgLsf k|f]k|fO6/ jf ;+rfns jf sfo{sf/L k|d'v h:tf cflwsfl/s
JolQm :jo+ pkl:yt eO{ ;xL u/L clVtof/L lbg] / clVtof/L kfpg] JolQmsf]
af:tljs klxrfg -gfd, y/, 7]ufgf, lgh;Fusf] ;DaGw, 6]lnkmf]g gDa/, Fax gDa/ tyf gful/stfsf] k|dfl0ft k|ltlnlk_ a}+snfO{ pknJw u/fpg' kg]{5 . t/, g]kfn
;/sf/, g]kfn ;/sf/sf] :jfldTj /x]sf] ;+:yf jf klAns lnld6]8 sDkgLsf] xsdf
clwsf/ k|fKt clwsf/Ln] k|dfl0ft u/]sf] clVtof/L eP k'Ug] ePsf]n] of] bkmf / bkmf
!=!=^ sf] -3_ nfu' x'g] 5}g .
-h_ dfly bkmf !=!=^ sf] -5_ adf]lhd clVtof/L lb+bf clVtof/L kfpg] JolQmn] u/]sf]
sfd sf/jfxLsf] ;Dk"0f{ lhDd]jf/L clVtof/L lbg] JolQm÷kbflwsf/L ;d]tsf] x'g]
Joxf]/fsf] lnvt u/fpg' kg]{5 .
-em_ ;DalGwt a}+sn] k|rlnt lgb]{zgsf] cwLgdf /xL c¿ s;}sf] hdfgtdf k|tLtkq
vf]Nbf k|tLtkqdf plNnlvt ;fdfg cfoft geO{ ljb]zL d'b|f ckrng ePdf jf
/fh:j r'xfj6 ePdf k|tLtkq vf]Ng] lgj]bg;Fu} To:tf] hdfgL lbg] JolQm kmd{ jf
sDkgL ;d]t k"0f{ lhDd]jf/L x'g] Joxf]/fsf] sfuh u/fpg' kg]{5 .
-`_ ;DalGwt eG;f/ sfof{noaf6 lkmtf{ k|fKt ePsf] lj=lj=lg=kmf=g+=$ sf] k|dfl0fstf
osLg ug{ eG;f/ clws[tx¿sf] cBfjlws b:tvt gd"gf eG;f/ sfof{non]
clgjfo{ ¿kdf a}+sx¿nfO{ pknAw u/fpg' kg]{5 .
-6_ a}+sn] hf/L ug]{ lj=lj=lg=kmf=g+=$ sf] k|dfl0fstf osLg ug{ a}+ssf clws[tx¿sf]
cBfjlws b:tvt gd"gf a}+sn] eG;f/ sfof{nox¿df clgjfo{¿kdf pknAw u/fpg'
kg]{5 .
-7_ lj=lj=lg=kmf=g+=$ nufot k|dfl0ft ug'{kg]{ ;a} sfuhft k|dfl0ft ubf{ ;DalGwt
clws[tsf] b:tvt gd"gf cg'¿ks} b:tvt u/L k|dfl0ft ug'{ kg]{5 .
-8_ lj=lj=lg=kmf=g+=$ hf/L ubf{ / lkmtf{ k7fpFbf lgDgfg';f/sf] Joj:yf ug'{ kg]{5 M
-!_ a}+s / eG;f/aLr sfuhft cfbfg k|bfg ubf{ lzn -nfxf_ 5fk k|of]u ug'{
kg]{5 .
-@_ a}+sn] lj=lj=lg=kmf=g+=$ hf/L ubf{ k|To]s eG;f/ laGb'lkR5] cnucnu kmfOn
v8f u/L ;f]xL kmfOnaf6 l;nl;nf ldnfO{ l;l/on gDa/ /fVg' kg]{5 .
-#_ eG;f/ sfof{non] klg lj=lj=lg=kmf=g+=$ k|dfl0ft u/L a}+sdf k7fpFbf a}+ssf]
zfvf cg';f/ cnu cnu kmfOn v8f u/L ;f]xL kmfOnaf6 l;nl;nf ldnfO{
l;l/on gDa/ /fVg' kg]{5 .
-$_ eG;f/ sfof{non] dfly v08 8-#_ cg';f/ /flvPsf] clen]vsf] k|ltlnlk
!%÷!% lbgdf ;DalGwt a}+ssf] zfvfdf clgjfo{¿kn] k7fpg' kg]{5 .
-%_ eG;f/ sfof{noaf6 clen]v k|fKt ePkl5 ;DalGwt a}+sn] cfˆgf] clen]v
-l;l/on gDa/ / /sd_ ;Fu le8fpg' kg]{5 / gle8]df clanDa ;f]sf]
hfgsf/L o; a}}+snfO{ lbg' kg]{5 .
-9_ ;DalGwt a}+sn] d"nk|ltsf] cefjdf k|ltlnlk sfuhft (Copy Document) sf]
cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug'{kg]{ ePdf cfoftstf{af6 k|tLtkqdf plNnlvt
;Dk"0f{ sfuhftsf] k|ltlnlk k|fKt u/L ltgnfO{ k|tLtkq;Fu Cross Verfify u/L
10
plrt nfu]df To:tf sfuhftdf b/kL7 u/L cfofltt j:t'sf] d"No j/fj/sf] /sd
lnP/ dfq lj=lj=lg= kmf=g+= $ hf/L ug'{kg]{ 5 . lgof{tstf{nfO{ e'QmfgL k7fpFbf eg]
lgof{tstf{sf] a}+saf6 k|fKt cflwsfl/s sfuhftx¿sf] cfwf/df dfq k7fpg
kfOg]5 . kl5 e'Qmfg x'g] u/L vf]lnPsf] k|tLtkq (Usance L/C) sf] xsdf eg]
cfofltt dfn;fdfg sf] d"No a/fa/sf] /sd lng'kg]{ Joj:yf nfu' x'g] 5}g .
-0f_ Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ePsf] ldltn] $% lbgleq
Original Document k]z e};Sg' kg]{5 . cGoyf ;f]xL cfoftstf{nfO{ k'gM Copy
Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug{ ldNg] 5}g . o:tf] Dofb leq
Original Document k]z gePsf] cj:yfdf pQm Dofb gf3]sf] !% lbgleq o;
a}+snfO{ hfgsf/L u/fpg' kg]{5 .
-t_ Original Document k|fKt ePkl5 Copy Document ;Fu ?h' -Verify) ug'{kg]{ /
syd\sbflrt\ km/s ePsf] kfOPdf Original Document k|fKt u/]sf] ldltsf] !%
lbgleq To:tf ljifox¿ o; a}+snfO{ hfgsf/L u/fpg' kg]{ 5 .
-y_ ;fdfGotof /]8 Snh (Red Clause) /fvL k|tLtkq vf]Ng kfOg] 5}g . t/ cfoft
k|tLtkqsf] dfWodaf6 clu|d e'QmfgL k7fpg] xsdf To:tf] clu|d e'QmfgL
cfoftstf{sf] cfˆg} kl/jTo{ ljb]zL d'b|f vftfdf /x]sf] df}Hbftaf6 vr{ Joxf]l/g] xf]
eg] clu|d e'QmfgLsf] Joj:yf ;d]t /fvL j:t' tyf ;]jf ;+u;+u} cfoft x'g] ePdf
cfoft k|tLtkq vf]Ng ;lsg]5 . o:tf] k|lttkqdf ;]jfsf] c+z s'n k|lttkq d"Nosf]
!) k|ltzt eGbf a9L x'g''x'g]5}g . o:tf] cj:yfdf ;DalGwt a}+sn] e'QmfgL eP
cg'¿ksf] j:t'÷;]jf cfoft eP÷gePsf] af/] clgjfo{ ¿kdf cg'udg ug'{kg]{5 /
syd\sbflrt tf]lsPsf] ;doleq pQm j:t'÷;]jf cfoft ePsf] gkfOPdf clgjfo{
¿kdf o; ljefunfO{ hfgsf/L lbg'kg]{5 .
-b_ dfly pNn]v ePsf] cj:yf afx]s dfn j:t' cfoft ug{ k|rlnt Joj:yf adf]lhd
vf]lnPsf k|tLtkq cGtu{t clu|d e'QmfgL k7fpg'k/]sf] v08df b]xfodf plNnlvt
zt{x¿sf] cwLgdf /xL To:tf] clu|d e'QmfgL k7fpg ;lsg] 5 .
-!_ To:tf] clu|d e'QmfgL ug'{ k/]df ;fdfGotof Beneficiary sf] tk{maf6 e'QmfgL
k7fOg] /sd a/fj/sf] a}+s Uof/]06L pknJw u/fpg' kg]{5 .
-@_ syd\sbflrt Beneficiary n] To:tf] a}+s Uof/]06L pknJw u/fpg g;Sg]
cj:yf ePdf k|rlnt Joj:yf adf]lhd l6=l6 sf] ;Ldf;Ddsf] /sd clu|d
e'StfgL k7fpg ;lsg]5 . t/ ;f] ;LdfeGbf a9L] /sd k7fpg' kg]{ ePdf L/C
Value sf] yk !) -bz_ k|ltzt w/f}6L lnO{ a9Ldf L/C Value sf] %)
k|ltzt;Dd k7fpg ;lsg]5 .
-#_ sfd ;DkGg ePsf] k|df0fsf] cfwf/df 8«fkm\6, l6=l6= / k|tLtkq hf/L ug]{
a}+sn] g} o:tf] w/f}6L /sd k'ms'jf ug{ ;Sg]5 .
-$_ sfd ;DkGg ePsf] lg:;f k]z ug'{kg]{ ;dofjlw a9Ldf ^ -5_ dlxgf sfod
ug{' kg]{5 . t/, hnljB't nufotsf lgdf{0f ;DkGg ug{ nfdf] ;do nfUg]
kl/of]hgfx?sf xsdf eg] o:tf] lg:;f k]z ug{] ;dofjwL ^ dlxgf eGbf a9L
nfUg] cj:yf b]lvPdf ;f] cjlw a}+sx? cfk}mn] lgwf{/0f ug{ ;Sg]5g .
-%_ tf]lsPsf] ;dofjlwleq sfd ;DkGg u/L ;f]sf] lg:;f k]z gu/]sf] v08df
pQm sfo{af6 ljb]zL d'b|f ckrng ePsf] dflgg] 5 . o:tf] cj:yfdf
k|tLtkq hf/L ug]{ a}+sn] To:tf] k|tLtkq ;DaGwL ljj/0f pQm Dofb ;dfKt
11
eP kZrft\ cfpg] dlxgfsf] klxnf] & -;ft_ lbgleq o; ljefunfO{ hfgsf/L
u/fpg' kg]{5 . o; ;DaGwL yk sf/jfxL k|rlnt sfg"g adf]lhd ul/g] 5 .
-^_ pko{'Qm adf]lhdsf] Joj:yf afx]s cGo cj:yf l;h{gf ePdf o; ljefusf]
:jLs[lt lng'kg]{5 .
-w_ sDkgL afx]s cGo kmd{sf] xsdf btf{ k|df0fkqdf plNnlvt k'FhLsf] @) -aL;_
u'0ffeGbf a9L /sdsf] k|tLtkq bfloTj afFsL /xg] u/L k|tLtkq vf]Ng kfOg] 5}g .
-g_ cfofltt dfn;fdfgsf] pTklQsf] k|df0fkq (Certificate of Origin) r]Da/ ckm sd;{,
;/sf/L sfof{no, ;DalGwt ;+3 ;+:yf h:tf clwsf/ k|fKt ;DalGwt lgsfoaf6
hf/L ePsf] x'g'kg]{ 5 . t/, cfoftstf{n] dGh'/L u/]df lgof{tstf{n] hf/L u/]sf]
pTklQsf] k|df0fkq (Certificate of Origin) klg dfGo x'g]5 .
-k_ a}+sn] s'g} kmd{÷sDkgL;Fu klxnf] k6s k|tLtkq sf/f]jf/ ubf{ To:tf] kmd{sf]
Jofkfl/s x}l;ot, cg'ej, kmd{ jf sfof{no /x]sf] :yfg, kmf]g gDa/, k\mofS; (Fax)
gDa/, lx:;]bf/x¿ tyf ;~rfnsx?sf] ljZj;lgotfsf] ;DaGwdf lj:t[t hfgsf/L
lnP/ dfq sf/f]jf/ ug'{ kg]{5 .
-km_ k|To]s a}+sn] k|tLtkq sf/f]jf/ ug]{ cfˆgf sfof{nox¿sf] jflif{s ?kdf cfly{s jif{
;dfKt ePsf] () lbg leqdf cfGtl/s n]vf k/LIf0f u/L ;f]sf] k|ltj]bg o;
ljefudf k7fpg' kg]{5 .
-a_ cfoft x'g] dfn;fdfgx¿ -h:t}M cf}Bf]lus kmd{÷sDkgLx¿n] cfoft ug]{ d]lzg/L
tyf cf}hf/x¿ cflb_ sf] ;"rL nfdf] ePsf] sf/0fn] ;Dk"0f{ j:t'x¿ k|tLtkqdf
v'nfpg Jojxfl/s b[li6sf]0fn] g;lsg] ePdf k|rlnt Joj:yf cg';f/ pQm
k|tLtkq;Fu ;DalGwt lj=lj=lg=kmf=g+=# Pjd\ k|tLtkqsf] ljj/0f ;DalGwt lgsfodf
k7fpFbf clgjfo{ ¿kn] h'g Proforma Invoice sf] cfwf/df k|tLtkq vf]lnPsf] xf]
;f] Proforma Invoice df ;DalGwt a}+sn] cfk"mn] vf]n]sf] k|tLtkq gDa/ ;d]t
pNn]v u/L pQm Proforma Invoice sf] k|dfl0ft k|lt ;+nUg ug'{kg]{5 .
-e_ o; ;DaGwdf xfdf]{lgs sf]8 gDa/ pNn]v ubf{ g]kfn ;/sf/, eG;f/ ljefun]
k|sflzt ug{] eG;f/ dxz'n b/aGbL lstfadf pNn]v u/] cg'?k sDtLdf * -cf7_
cÍsf] sf]8 g+= clgjfo{¿kn] pNn]v ug'{kg]{5 . pko'{Qm cf7 cÍsf] sf]8 g+= clgjfo{
¿kn] Proforma Invoice df g} pNn]v ePsf] x'g'kg]{ tyf k|tLtkqdf ;d]t pNn]v
ug'{kg]{5 .
-d_ t];|f] d'n'ssf] a}+saf6 Advise x'g] u/L vf]lnPsf] k|tLtkq dfkm{t ef/taf6 ;fdfg
Shipment ug{ tyf To:tf] cfoftsf] e'QmfgL ef/tdf ug{ kfOg] 5}g . t/ ax'/fli6«o
sDkgLx?sf] ef/tl:yt sfof{nosf] gfddf k|rlnt Joj:yf cGt/ut k|tLtkq vf]nL
t];|f] d'n'sdf lgld{t j:t'x? t];|f] d'n'saf6 Shipment ePsf] cfwf/df x'g]
cfoftsf] e'QmfgL ef/tdf ;d]t kl/jTo{ ljb]zL d'b|fdf ug{ ;lsg]5 .
-o_ Transferable L/C cGtu{t h'g kf6L{sf] gfddf L/C nfO{ Transfer ul/g] xf] pQm
kf6L{sf] gfd L/C df :ki6 pNn]v ug'{ kg]{ 5 . ;fy} cd]l/sg 8n/ %) -krf;_
xhf/ jf ;f] eGbf a9L d"Nosf] Transferable L/C sf] xsdf Transferee Party sf] tn
!=!=!! df pNn]v eP cg';f/sf] ;Gtf]ifhgs Jofkfl/s ;fv ;"rgf -Business
Credibility Information Report_ lnP/ dfq L/C vf]Ng cyjf ;+zf]wg ug{ kfOg]5 .
-/_ s'g} cfof]hgf ljz]ifsf] lgldQ b'O{ jf b'O{ eGbf a9L kmd{ cyjf sDkgL ldn]/ Joint
Venture (J/V) :yfkgf u/]sf] cj:yfdf pQm J/V g]kfn ;/sf/sf] s'g} cflwsfl/s
lgsfodf btf{ x'g'kg]{ clgjfo{ Joj:yf gePsf] oyfy{nfO{ dWogh/ /fVb} To:tf] J/V
12
n] cfof]hgfsf] lgldQ k|tLtkq vf]Ng cg'/f]w u/]df pQm J/V sf] J/V Agreement,
:yfoL n]vf gDa/ -PAN) k|df0fkq, pQm J/V df ;fd]n ePsf kmd{ cyjf
sDkgLx?sf] dfly bkmf !=!=! sf] -s_ cg';f/sf sfuhft 5'§f 5'§} lnO{ tyf
cfof]hgfsf] s/f/ ;DaGwL sfuhft ;d]t k]z ug{ nufO{ k|tLtkq vf]Ng ;lsg] 5 .
-n_ FOB/FCA/EXW/FAS h:tf Incoterms sf] cfwf/df k|tLtkq vf]lnPsf] cj:yfdf
ljb]zl:yt sDkgLaf6 9'jfgL Joj:yf u/fO{ cfoftstf{n] Freight vr{ afkt
ef/tafx]s cGo d'n'sdf e'QmfgL ug{ cg'/f]w u/]df e'QmfgL ug'{ kg]{ kIfsf]
cflwsfl/s lgj]bg;fy b]xfosf sfuhftsf cfwf/df o:tf] e'QmfgL ug{ ;lsg]5 .
-!_ 9'jfgLsf] nfut k|i6 x'g] ;DalGwt kIfn] hf/L u/]sf] Invoice/Bill sf] ;Ssn
k|lt .
-@_ dfn;fdfg cfoftsf] nflu hf/L ePsf] k|tLtkq jf 8«fk\m6 cyjf SWIFT
Message sf] k|ltlnlk .
!=!=& o';fG; k|tLtkq (Usance L/C) sf] ;DaGwdf M
-s_ cf}Bf]lus kmd{x?n] vf]Ng] cfoft k|tLtkqsf] xsdf o';fG;sf] cjlw cfoftstf{ /
lgof{tstf{sf] ;xdlt adf]lhd ;DalGwt a}+sn] g} to ug{ ;Sg]5g\ .
-v_ Jofkfl/s kmd{x?n] ug]{ cfoftsf] xsdf o';fG; k|tLtkqsf] cjlw !@) lbgeGbf
a9L ug{ kfOg] 5}g .
-u_ Usance/Deferred Payment k|tLtkqsf 8s'd]G6 ;DalGwt a}+sn] rfx]sf] v08df
cfoftstf{ / lgof{tstf{sf] ;xdlt adf]lhd Discount ug{ ;lsg] 5 .
Document Discount ubf{ nfUg] Jofh nufotsf a}+s rfh{x? Beneficiary n]
g} Joxf]g'{ kg]{5 .
!=!=* j08]8 j]o/xfp; (Bonded Warehouse) cGt/ut cfoft ug]{ j:t'sf ;DaGwdf .
k|rlnt sfg"g adf]lhd :yfkgf ePsf tof/L kf];fs pBf]u :jod\n] cf–cfˆgf] pBf]usf]
lgldQ ljb]zaf6 sRrf kbfy{ cfoft ug]{ ePdf To:tf pBf]ux¿nfO{ Usance k|tLtkqsf]
;'ljwf lbg] / o; k|sf/sf] ;'ljwf aG8]8 j]o/ xfp; (Bonded Warehouse) cGtu{t cfoft
ug{ lbg] dfn;fdfgx¿df dfq k|bfg ug{ ;lsg]5 .
!=!=( cfoft k|tLtkqdf plNnlvt /sdeGbf a9L /sdsf] sfuhft (Documents) k|fKt ePsf]
cj:yfdf ;DalGwt k|tLtkqsf] zt{ leq /xL hlt;'s} /sdsf] To:tf sfuhft klg :jLsf/
ug{ ;lsg]5 .
!=!=!) Jofs 6' Jofs (Back to Back) k|tLtkq sf/f]jf/ ;DaGwdf .
tof/L kf];fs pBf]ux?n] cfk\mgf] pBf]usf] nflu cfjZos kg]{ sRrf kbfy{ -sk8f_ Jofs 6'
Jofs k|tLtkqsf] dfWodaf6 klg cfoft ug{ ;lsg] 5 . o;/L Jofs 6' Jofs k|tLtkq
vf]Nbf cfoft ul/Psf sRrf kbfy{ -sk8f_ sf] e'QmfgL ;f] sRrf kbfy{af6 lgld{t tof/L
kf];fs lgof{t u/L e'QmfgL k|fKt ePkl5 ;f]xL e'QmfgL (Export Proceeds) dWo]af6 dfq
cfoft k|tLtkqsf] Payment Terms df plNnlvt zt{ cg'?k e'QmfgL x'g] Joxf]/f Back to
Back k|tLtkqdf clgjfo{ ?kn] pNn]v ug'{ kg]{5 . Back to Back L/C sf] dfWodaf6 tof/L
kf];fs pBf]un] sk8f cfoft ubf{ lgDg s'/fx¿sf] cfwf/df dfq ug'{kg]{5 .
13
-s_ tof/L kf];fs lgof{t ug]{ pBf]usf] gfddf ;d'b|kf/ d'n'ssf] qm]tfn] pQm pBf]uaf6
pTkflbt tof/L kf];fs vl/b ug{ k|tLtkq vf]n]sf] x'g'kg]{5 .
-v_ tof/L kf];fs lgof{t pBf]unfO{ k|fKt x'g] k|tLtkqdf tof/L kf];fssf] lgof{tsf]
e'QmfgL () -gAa]_ lbg leq x'g] zt{ /fVg' kg]{5 .
-u_ tof/L kf];fs pBf]un] cfoft ug]{ sRrf kbfy{ sk8fsf] e'QmfgL lgof{t cfh{g
dWo]af6 x'g] x'Fbf o:tf pBf]usf] gfddf sRrf kbfy{ cfk"lt{ ug]{ lgof{tstf{nfO{
dGh'/ ePdf Back to Back L/C vf]Ng ;lsg] 5 .
-3_ tof/L kf];fs pBf]unfO{ k|fKt x'g] pko{'Qm k|tLtkqd} lgof{t x'g] tof/L kf];fssf]
FOB d"Nosf] a9Ldf %) k|ltzt;Ddsf] /sdaf6 tof/L kf];fs pBf]un] cfoft ug]{
sRrf kbfy{ sk8fsf] e'QmfgL ug]{ / afF+sL /sd g]kfndf e'QmfgL k7fpg] zt{gfdf
x'g'' kg]{5 .
!=!=!! kl/jTo{ ljb]zL d'b|fsf] k|tLtkq sf/f]jf/ dfk{mt x'g ;Sg] ljb]zL ljlgdosf] ckrngnfO{
lgoGq0f ug]{ b[li6sf]0faf6 kl/jTo{ ljb]zL d'b|fsf] k|tLtkq dfk{mt cfoft / lgof{t sf/f]jf/
ug'{ cl3 clgjfo{ ?kdf Jofkfl/s zfv ;"rgf (Business Credibility Information) lng]
;DaGwdf b]xfosf] Joj:yf ul/Psf] 5 .
-s_ cd]l/sL 8n/ %) xhf/ jf ;f] eGbf a9Lsf] cfoft jf lgof{t k|tLtkq vf]Ng' cl3
lgof{t ug]{ ljb]zL kmd{÷sDkgL jf ;+:yfsf] Jofkfl/s zfv ;"rgf (Business
Credibility Information) ;DaGwL hfgsf/L lng' kg]{5 . %) xhf/ eGgfn] -;+zf]wg
u/L /sd yk ul/Psf] eP ;f] ;d]t_ u0fgf x'g]5 .
-v_ lgof{t k|tLtkq cGt/ut lgof{t 8s'd]06x? Negotiation jf Purchase ug'{ cl3
ljb]zl:yt vl/bstf{sf] Jofkfl/s zfv ;"rgf (Business Credibility Information)
;DaGwL hfgsf/L lng' kg]{5 .
-u_ ;fv ;"rgf g]kfnl:yt o:tf] sfd ug]{ s'g} lgsfo jf g]kfndf zfvf sfof{no
ePsf cGt/f{li6«o s'g} k|ltli7t lgsfox¿sf] k|ltlglwdfk{mt ;DalGwt a}+s cfk}mn]
;fv ;"rgf lng' kg]{5 .
-3_ Credit Risk jf High Credit Risk jf Rating not Determined eGg] h:tf Joxf]/f pNn]v
eO{ cfPsf] xsdf k|tLtkq vf]Ng' k/]df ;fdfGo cj:yfdf h'g txaf6 k|tLtkq
vf]Ng cg'dlt lgsf;f x'G5 ;f] txeGbf Ps txdflysf] lgsf;f clgjfo{ ?kn]
lng'kg]{5 . Rating :ki6 pNn]v geO{ Satisfactory/Good Conduct of Account dfq
pNn]v 5 eg] To:tf] cj:yfdf ;f] cg'dlt cfjZos kg]{ 5}g .
-ª_ Ps k6s lnOPsf] o:tf] Jofkfl/s ;fv ;"rgf (Business Credibility Information) Ps jif{;Ddsf nflu dfq dfGo x'g]5 .
-r_ ;/sf/L tyf cw{ ;/sf/L lgsfox¿n] Global Tender sf] cfwf/df k|bfg u/]sf]
Contract cGt{ut vf]lng] k|tLtkqx¿sf] xsdf o:tf] Jofkfl/s ;fv ;"rgfsf]
cfjZostf kg]{ 5}g .
-5_ Pp6f a}+sn] k|fKt u/]sf] ;"rgf c¿ a}+sx¿n] klg k|of]u ug{ ;Sg]5g\ .
-h_ o:tf] ;fv ;"rgf k|tLtkq vf]Ng] ;DalGwt a}+ssf] Correspondent a}+saf6 klg lng
;lsg]5 .
-em_ Back to Back k|tLtkq, Usance tyf Deferred Payment k|tLtkqx¿sf] xsdf ;fv
;"rgf lng' kg]{5}g . ;fy}, e'QmfgLsf] zt{ cf+lzs ?kdf Sight tyf cf+lzs ?kdf
Usance cyjf Deferred Payment ePsf] cj:yfdf klg ;fv ;"rgf cfjZos kg]{
5}g .
14
-`_ g]kfnL lgof{tstf{x¿n] cfkm"n] k|fKt u/]sf] k|tLtkqsf] cfwf/df lgof{t ubf{
k|tLtkqdf pNn]v u/]sf ;Dk"0f{ Terms and Conditions x¿ kfngf x'G5 eg] To:tf
lSng -Clean) 8s'd]06x¿sf] Negotiation jf Purchase ubf{ ;fv ;"rgf cfjZos kg]{
5}g .
!=!=!@ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L vf]lnPsf cfoft k|tLtkqx? / tL k|tLtkqx?
cGt/ut x'g] ljb]zL d'b|f e'QmfgL ;DaGwL cg'udg k|s[ofnfO{ a9L k|efjsf/L agfpg
k|tLtkq ;DaGwL ;"rgf Joj:yfnfO{ b]xfo adf]lhd sfof{Gjog ug'{kg]{5 M
-s_ ;DalGwt a}+s tyf ;f] a}+s cGtu{tsf k|tLtkq sf/f]jf/ ug]{ ;a} zfvf sfof{non]
k|tLtkq vf]n]sf] ljj/0fx¿ lj=lj=lg=kmf=g+=# sf] cfwf/df On]S6«f]lgs dfWodaf6
o; ljefudf b}lgs ¿kdf k7fpg' kg]{5 .
-v_ k|tLtkq cGtu{t ul/Psf] kl/jTo{ ljb]zL d'b|fsf] e'QmfgL ljj/0f klg o; a}+sn]
tf]lslbPsf] cfoftsf] e'QmfgL k|df0fkq lj=lj=lg=kmf=g+=$ sf] cfwf/df On]S6«f]lgs
dfWodaf6 o; ljefudf b}lgs ¿kdf k7fpg' kg]{5 .
-u_ dfly !=!=!@ -s_ / -v_ df pNn]v ul/P cg';f/sf] ljj/0fx¿ d'Vo sfof{non]
;+sng u/L o; a}+sdf k7fpg'kg]{5 . ;f] sfo{sf] nflu o; a}+saf6 Joj:yf
ul/Psf] Branch Code sf] k|of]u ug'{kg]{5 .
-3_ On]S6«f]lgs dfWodaf6 Data Transmit ug{sf nflu o; a}+saf6 Joj:yf ul/Psf]
Data Base Structure cg';f/ Data Entry u/L kmfOnx¿ tof/ ug'{ kg]{5 .
-ª_ Data Entry sf] nflu tof/ ul/Psf] a}+s sf]8, eG;f/ sf]8, o'lg6 sf]8sf] ljj/0f
;d]t o; a}+saf6 tof/ ul/P cg';f/ x'g]5 .
-r_ cfoft x'g] dfn;fdfgx¿sf] nflu g]kfn ;/sf/n] eG;f/ dx;'n b/jGbLdf pNn]v
u/] adf]lhdsf]] cf7 c+ssf] Harmonized Code k|of]u ug'{ kg]{5 .
-5_ ef/tsf] sf]nsftf tyf ljzfvfktgd\ aGb/ufx eO{ cfpg] u/L t];|f] d'n'saf6
;fdfg cfoft ug{ vf]lnPsf] k|tLtkqx¿sf] -;+zf]wg eP ;f] ;d]t_ ljj/0f
;DalGwt k|To]s zfvfaf6 l;w} jfl0fHo ljefu ;d]tnfO{ ;fKtflxs ¿kdf o;};fy
;+nUg cg'';"rL !=$ adf]lhd l;nl;n]jf/ gDa/ pNn]v u/L k7fpg' kg]{5 .
-h_ o; Joj:yf cGtu{t k|fKt x'g'kg]{ ;Dk"0f{ ljj/0fx¿ ;dodf pknAw gePdf
cfoftstf{x¿nfO{ cfofltt dfn;fdfg 5'6fpg] k|lqmofdf cj/f]w cfpg ;Sg]
;Defjgf /x]sf] / o;af6 x'g] s'g} lsl;dsf] xfgL gf]S;fgLsf] ;Dk"0f{ lhDd]jf/L
;dod} ;"rgf k|bfg gug]{ ;DalGwt a}+ssf] g} x'g] 5 . Data Transmit ug{ cfjZos
kg]{ cGo s'g} ;"rgf tyf ljj/0fsf nflu o; ljefudf ;Dks{ ug'{ kg]{5 .
!=!=!# k|rlnt Joj:yf cGt/ut /xL kl/jTo{ ljb]zL d'b|fdf tyf ef/tLo ?k}oFfdf e'QmfgL x'g]
u/L cfoft k|tLtkq vf]Nbf ;DalGwt lgsfosf] k"j{ :jLs[lt clgjfo{ ?kdf lnP/ dfq
vf]Ng' kg]{]{ cfoft k|tLtkqx? ;DaGwL Joj:yf M
-s_ dlb/f lgsf;L k}7f/L M
dlb/f P]g, @)#! cg';f/ s'g} klg kmd{ tyf sDkgLn] dlb/f lgsf;L k}7f/L ug'{ kbf{
g]kfn ;/sf/, cfGtl/s /fh:j ljefusf] k"j{ :jLs[lt lng'kg]{5 .
-v_ kf]itfbfgfdf kl/df0ffTds aGb]h M
kf]itfbfgf (Poppy Seed) sf] cfoftdf kl/df0ffTds aGb]h nfu' /x]sf] x'Fbf g]kfn
;/sf/, jfl0fHo tyf cfk"lt{ dGqfnon] :jLs[lt lbPsf] kl/df0f afx]ssf] cfoft
k|tLtkq vf]Ng kfOg] 5}g .
-u_ k'/fgf sk8f, wft' tyf Knfli6saf6 ag]sf ;fdfg tyf oGqf]ks/0f M
15
pBf]un] k}7f/L ug]{ afx]s Jofkfl/s kmd{x¿n] k}7f/L ug]{ k'/fgf sk8f, wft' tyf
Knfli6saf6 ag]sf ;fdfg tyf oGqf]ks/0fsf] xsdf To:tf] k|tLtkq vf]Ng' cl3
g]kfn ;/sf/, jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] k"j{ :jLs[lt ¿kn]
lng'kg]{5 .
-3_ g]kfn ;/sf/, jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] k"j{ :jLs[lt lng'kg]{
dfn;fdfgx? b]xfo adf]lhd /x]sf 5g M
-!_ Wfft' M Copper, Brass, Bronze, Aluminum / Zinc Scraps sf] xsdf ;DalGwt
;fdfg 3fts kq' (Hazardous Scrap) eP gePsf] ;DaGwdf g]kfn ;/sf/,
jftfj/0f, lj1fg tyf k|ljlw dGqfnosf clws[tx?n] lg/LIf0f u/L 3fts
gePsf] Joxf]/f l;kmfl/; u/]sf] wft' cfoft ug{ ;lsg]5 . cfoft ul/g]
Scrap x? Institute of Scrap Recycling Industry’s (ISRI) Scrap Specification cg';f/ x'g'kg]{5 . pQm adf]lhdsf Scrap x? cfoft ug{' kg]{ ePdf k|tLtkq
vf]Ng' k"j{ pQm dGqfnosf] :jLs[lt lng' kg]{5 .
-@_ sk8f M af9L, klx/f], cfuhgL h:tf b}jL ljklQsf] ;Gbe{df ;xof]u :j?k
cfoft x'g] k'/fgf sk8fnfO{ g]kfnsf] s'g} :jf:Yo ;+:yfsf kl~hs[t
lrlsT;sn] /f]ud'Qm egL lnlvt k|dfl0ft u/L lbPsf k'/fgf sk8f . t/ c?
s'g}klg k|of]hgdf k'/fgf sk8f cfoft ug{ kfOg] 5}g .
-#_ Knfli6saf6 ag]sf ;fdfg M Plastic Scrap sf] ;DaGwdf Scrap Plastic / Recycled Granules sf] cfoftdf @)%# ;fnb]lv nufOPsf] k|ltjGw oyfjt}
/x]sf] 5 .
-$_ oGqf]ks/0fM Jofkfl/s k|of]hgsf] nflu s'g} klg Second Hand ;fdfgx?
cfoft ug{ kfOg] 5}g . h:t}M
-s_ 6]lnlehg -v_ k\mofS; -u_ lk|mh -3_ /]lk|mh]/]6/ -ª_ Po/ sl08;g/ -r_
kmf]g -5_ sDKo'6/ -h_ lk|06/ -em_ kmf]6f]skL -`_ k\mofg -6_ ckm;]6 d]l;g -
7_ cf]eg 8_ jfl;Ë d]lzg -9_ 8«fo/ d]lzg . -0f_ jfo' k|b'if0f j[l4 ug{ ;Sg]
df]6/sf Engine sf Pump, cylinder piston, head h:tf k'/fgf ;fdfg ;d]t
cfoft ug{ kfOg] 5}g .
-ª_ cf]hf]g txnfO{ gi6 ug]{÷gug]{ kbfy{x¿ M
-!_ g]kfnleq cf]hf]g txnfO{ gi6 ug]{ kbfy{x¿sf] k}7f/L Pjd\ pkef]unfO{
lgolGqt ug]{ ljifosf] ldlt @)%& ;fn c;f]h ( ut]sf] g]kfn /fhkq efu #
df k|sflzt ;"rgfsf] v08 # df ;f]xL ;"rgfsf] v08 ! sf] k|s/0f -s_ / -
v_ df plNnlvt cf]hf]g txnfO{ gi6 ug]{ kbfy{x¿ ODS Refrigerant Gas (R-
22 jf HCFC-22) sf] cfoftsf nflu k|tLtkq vf]Ng' cl3 g]kfn ;/sf/,
lj1fg, k|ljlw tyf jftfj/0f dGqfnosf] k"j{ :jLs[lt lng' kg]{5 .
-@_ cf]hf]g txnfO{ gi6 gug]{ kbfy{x? Non-ODS Refrigerant Gas sf] cfoftsf
nflu jfl0fHo a}+sx? dfk{mt k|tLtkq vf]Nbf g]kfn ;/sf/, lj1fg tyf
jftfj/0f dGqfnosf] l;kmfl/; cfjZos kg]{ 5}g .
-r_ h}ljs kbfy{, rNnf jf df5fsf e"/f jf kz' bfgf lgsf;L jf k}7f/L ug{ rfxg]
JolQm÷kmd{÷sDkgLn] tf]lsPsf] lgsfoaf6 l;kmfl/; kq lng' kg]{5 . -h}ljs kbfy{
(Biological Substances) eGgfn] kz' ljsf; jf kz' :jf:Yosf] nflu k|of]u ul/g] hLjf0f'
jf ljiff0f'o'Qm cf}ifwL, vf]k jf h}ljs /;fog ;D´g' k5{ ._
16
!=!=!$ vfB kbfy{ cfoft ug{ vf]lng] k|tLtkq ;DaGwL Joj:yf M
-s_ vfB tyf k]o kbfy{ cfoft ubf{ g]kfn ;/sf/, s[lif dGqfno, vfB k|ljlw tyf u'0f
lgoGq0f ljefuaf6 hf/L ePsf] cfoft cg'dltkqsf] k|dfl0ft k|ltlnlk
clgjfo{?kdf lng'kg]{5 .
-v_ pko{'Qm adf]lhd k|tLtkq vf]Nbf To:tf] cg'dltkqdf pNn]v eP cg';f/sf]
cfoftstf{÷lgof{tstf{, kl/df0f / d"No cfoft cg'dltkq;Fu k"0f{?kdf d]n vfPsf]
x'g'kg]{5 .
!=!=!% b]xfosf j:t'x? k}7f/Lsf nflu k"0f{ aGb]h ul/Psf] 5 M
-s_ :jf:YonfO{ xfgL ug]{ ;fdfgx¿ M
-c_ clkmd, dlkm{of h:tf nfu' kbfy{x¿ .
-cf_ ;f7L k|ltzteGbf a9L cNsf]xn ePsf dlb/fx¿ .
-v_ xftxltof/ / la:kmf]6s kbfy{x¿ -g]kfn ;/sf/sf] Ohfhtkqk|fKt afx]s_
-c_ v/vhfgf agfpg rflxg] cfjZos ;fdfgx¿
-cf_ aGb'sx¿ / aGb'ssf uf]nLx¿
-O_ sfuh afx]ssf s]kx¿ -Capes_
-O{_ cGo la:kmf]6s kbfy{x¿ / xftxltof/x¿
-u_ /]l8of] ;~rf/ -nfO;]G;_ lgodfjnL, @)$( sf] lgod !* adf]lhd nfO;]G; lng
gkg]{ /]l8of] oGq afx]s jfo/n];, jfls6sL, s8{n];, k|;f/0f oGq, :of6]nfO6
sDo'lgs];g, :of6]nfO6 l/l;e/, lnÍ /]l8of] pks/0f h:tf /]l8of] pks/0f / cGo
o:t} zJbafxs, ;+jfbjfxs, b[Zojfxs, tYofÍafxs, /]l8of] oGqx¿ -g]kfn
;/sf/sf] :jLs[lt k|fKt afx]s_
-3_ d"Nojfg wft' -;'g rfFbL afx]s_
-ª_ uf]df+;
-r_ Knfli6ssf e'mqf]x¿ Pjd\ k'gM k|zf]lwt -Recycled_ Knfli6ssf bfgfx¿ . -tTsfnLg
jfl0fHo dGqfnosf] ldlt @)%#.#.# sf] ;"rgf cg';f/_
-5_ ef/t, aËnfb]z, >LnÍf / e'6fg afx]s Plzofsf cGo ;a} d'n'sx?af6 lhljt
k+IfL, s'v'/f nufot cGo r/f hftL / To:sf] ck|zf]lwt df;' tyf c08f nufot
k+IfLhGo ck|zf]lwt ;fdu|Lx?
-h_ ;f}o{ ljB't k|ljlw dfk{mt x'g] pmhf{ pTkfbgdf k|of]u x'g] ;f]nf/ OGe6{/ afx]ssf
OGe6{/÷Home UPS tyf ltgsf kf6{\;\ ;d]t
-em_ cf}ifwL Joj:yf ljefuåf/f ;do ;dodf hf/L x'g] k|ltalGwt cf}ifwLsf] ;'rLdf
k/]sf cf}ifwL, Narcotics tyf Psychotropic Substances !=!=!^ vfg] t]n cfoft ug]{ ;DaGwL Joj:yf M
-s_ g]kfn ;/sf/, pBf]u jfl0fHo tyf cfk"lt{ dGqfnosf] ldlt @)^$÷^÷!) sf] kq
tyf cf}Bf]lus k|j4{g af]8{sf] !*! cf}+ a}7ssf] lg0f{ofg';f/ pBf]ux?n] cf}Bf]lus
sRrf kbfy{sf] ?kdf k}7f/L ug]{ eGbf afx]s cfoftstf{ kmd{÷sDkgLn] ahf/df
;f]em} ljqmL ljt/0f ug]{ k|of]hgsf] lgldQ k|zf]lwt t]nsf] @) -aL;_ lsnf]u|fd
eGbf a9L tf}nsf] Consumer Pack jf v'nf k|zf]lwt t]n cfoft ug{ kfOg] 5}g .
-v_ pTkfbgd'ns pBf]ux?n] sRrf j:t'sf] ?kdf k|of]u ug]{ t]n Bulk df cfoft ubf{
vfB k|ljlw tyf u'0f lgoGq0f ljefusf] l;kmfl/; / dfkb08 adf]lhd dfq cfoft
ug{ kfOg]5 . t/, pBf]ux?n] cGo s'g} dfn;fdfg pTkfbg ug{ cfkm"n] dfq ljz]if
lsl;dn] k|of]u ug]{ u/L sRrf kbfy{sf] ?kdf cfoft ug]{ k|zf]lwt t]n -pbfx/0ffy{
17
Noodles sf] nflu :jod\+n] k|of]u ug]{ Refined Bleached and Deodorized (RBD) Palm
Oil / o:t} cGo pBf]un] k|of]u ug]{ RBD Canola Oil, RBD Super Palmolein, RBD
Ground Nut Oil, RBD Coconut Oil, Refined Mustard Oil, Coconut Oil, Clove Leaf
Oil_ sf] xsdf dfly plNnlvt Joj:yf nfu' x'g] 5}g .
!=!=!& ;jf/L jf 9'jfgLsf ;fwgx? k}7f/L ;DaGwL Joj:yf M
-s_ lgdf{tf sDkgL jf lghsf] cflwsfl/s laq]mtfaf6 vl/b ul/Psf gofF ;jf/L jf
9'jfgLsf ;fwgx? g]kfnl:yt cflwsfl/s laq]mtfn] dfq k}7f/L ug]{ kfpg]5 .
-v_ l/s08L;g, k|of]u eO;s]sf] jf g]kfn ;jf/L k|b"if0f dfkb08, @)%^ leq gkg]{
;jf/L jf 9'jfgL nufot cGo ;fwgx? k}7f/L ug{ kfOg] 5}g .
!=!=!* ef/t afx]s cGo d'n'sx?af6 CIF jfx]ssf d"Nodf k|lttkq dfkm{t cfoft ubf{ k|rlnt
Joj:yfsf cltl/Qm b]xfosf Joj:yf ;d]t kfngf ug{'kg]{5 .
-s_ ;fdfg cfoft ubf{ ;Dej eP;Dd g]kfnL ljdf sDkgLx?af6 ljdf u/fpg'kg]{5 .
-v_ ljb]zaf6 ljdf u/fpg'kg]{ ePdf 9'jfgL tyf jLdfsf] nfut k|i6 x'g] sfuhft÷aLn
;+nUg ug'{kg]{5 .
-u_ 9'jfgL tyf jLdfsf] nfut k|i6 ?kdf 5'6[} b]lvg] u/L lj=lj=lg=kmf=g+=$ hf/L ug'{
kg]{5 .
-3_ ljb]z l:yt sDkgLaf6 9'jfgL tyf jLdfsf] Joj:yf u/fO{ ef/tafx]s cGo d'n'sdf
e'QmfgL ug'{kg]{ ePdf ;DalGwt sDkgLn] hf/L u/]sf] Invoice/Bill sf] cfwf/df
k|tLtkq hf/L ug]{ a}+sn] pQm Invoice/Bill df pNn]lvt /sdsf] ;6xL ;'ljwf
;DalGwt Ph]G;Lsf] gfddf pknJw u/fpg' kg]{5 .
!=!=!( ef/taf6 kl/jTo{ ljb]zL d'b|f e'QmfgL u/L software cfoft ;DalGw Aoj:yf M
g]kfnsf ;+3 ;+:yf tyf sDkgLx?n] ef/taf6 kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L
Software vl/b ug'{ k/]df Psk6sdf a9Ldf cd]l/sL 8n/ !%,))).– -kGw| xhf/_ ;Ddsf]
Software Pn=;L=dfk{mt b]xfosf] k|s[of k"/f u/L cfoft ug{ kfpg] 5g\ .
-s_ k|rlnt Joj:yf adf]lhdsf k|fjwfg k"/f u/L k|tLtkq vf]Ng' kg]{5 .
-v_ kl/jTo{ ljb]zL d'b|fdf ef/taf6 lgof{t x'Fbf ef/t ;/sf/af6 kl/jTo{ ljb]zL d'b|fdf
lgof{t ubf{ 5'6 lbP adf]lhdsf s/, cGtz'Ns glnPsf] b]lvg] aLhs jf OGEjfO;
x'g'kg]{ 5 .
-u_ k|rlnt Joj:yf adf]lhd eG;f/ ljGb' geO{ On–line dfkm{t cfoft x'g]
;km\6j]o/sf] xsdf clu|d s/ lt/]sf] /;Lb k]z ug'{ kg]{5 .
-3_ eG;f/ laGb' eP/ cfoft x'g] ;km\6j]o/sf] xsdf k|rlnt Joj:yf adf]lhdsf] k|s[of
k"/f ug'{ kg]{5 .
!=!=@) ljsf; a}+}sx?n] k|tLtkq sf/f]jf/ ug{] Joj:yf ;DaGwdf M
k|tLtkq ;DaGwL ljBdfg Joj:yfx? kfngf ub}{ b]xfosf zt{x?sf cwLgdf /xL /fli6«o
:t/sf ljsf; a}+}sx?nfO{ klg lgodfg';f/ o; a}+saf6 Ohfhtkq lnO{ b]xfosf] zt{x?
kfngf ug]{ u/L k|tLtkq sf/f]jf/ ug{ :jLs[lt k|bfg ug{ ;lsg] 5 .
-s_ cfk}mn] nufgL÷k|j4{g u/]sf pmhf{ pTkfbg, ljsf; / k|;f/0fsf kl/of]hgfx?sf]
k|of]hgsf] nflu dfq k|tLtkq ;DaGwL sf/f]jf/ ug{ ;Sg] .
-v_ a}+sn] SWIFT (Society for Worldwide Interbank Financial Telecommunication) sf] ;b:otf lnPsf] x'g' kg]{ .
-u_ cGt/f{li6«o Ph]G;Lx?;Fusf] Joj;flos sf/f]jf/sf] ;DaGw sfod ePsf] Go"gtd #
jif{ k"/f ePsf] x'g' kg]{ .
18
-3_ zLw| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL adf]lhd ljut b'O{ jif{leq s'g}
lsl;dsf] sf/jfxL ePsf] x'g gx'g] .
!=@ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/tafx]s cGo d'n'sx?af6 k|tLtkq afx]s D.A.P.
(Documents Against Payment) tyf D.A.A. (Documents Against Acceptence) sf] dfWodaf6
cfoft ug{ ;lsg] ;DaGwL Joj:yf M
!=@=! D.A.P. (Documents Against Payment) sf] dffWodaf6 ul/g] cfoftsf
;DaGwdf .
-s_ International Chamber of Commerce sf] Uniform Rules for Collections (URC),
ICC Publication No. 522 df ePsf] k|fjwfg cg'?k sf/f]jf/ tyf e'QmfgL Joj:yf
ldnfpg' kg]{ 5 . o:tf] e'StfgL cfoft ;DaGwL sfuhft k|fKt ePsf] cfwf/df ug{
;lsg]5 .
-v_ cfoft ug]{ kmd{÷sDkgL÷;+:yf ljlwjt ?kdf btf{ ePsf] k|df0fkq -gjLs/0f
ug'{kg]{ eP gjLs/0f ;d]t ePsf]_ / cBfjlws cfos/ btf{ k|df0fkqsf] k|ltlnlk
clgjfo{ ?kn] lng' kg]{5 .
-u_ o;/L cfoft ug]{ j:t'x?;Fu ;DalGwt ;Dk"0f{ sfuhftx? (Documents) a}+s tyf
ljQLo ;+:yf dfkm{t g} cfPsf] x'g'kg]{ 5 .
-3_ CIF afx]s cGo cfwf/df cfoft ubf{ dfn;fdfgsf] gfd, OsfO{ d"No, 9'jfgL ef8f
/ aLdf b:t'/sf] 5'§f5'§} d"No b]lvg] Invoice clgjfo{ ?kdf ;+nUg ePsf] x'g'kg]{
5 .
-ª_ dfyL bkmf !=!=% df plNnlvt Joj:yf cg';f/ w/f}6L lnO{ lj=lj=lg=kmf=g+=$
clgjfo{ ?kdf hf/L ePsf] x'g'kg]{ 5 .
-r_ lj=lj=lg= kmf=g+=$ ;+Fu ;DalGwt cGo Joj:yfx? dfyL bkmf !=!=$ df pNn]v eP
cg';f/ g} ug'{' kg]{5 .
-5_ k|tLtkq gvf]ln ef/tsf] sf]nsftf tyf ljzfvfktgd aGb/ufx eO{ t];|f]
d'n'saf6 cfoft x'g] dfn;fdfg?sf] xsdf g]kfn ;/sf/, jfl0fHo ljefun] hf/L
ug]{ Ohfhtkq cfjZos kg]{ x'Fbf ;f] Joxf]/fsf] hfgsf/L sf]nsftf tyf
lj;fvfktgdaf6 cfoft ug]{ k|To]s cfoftstf{nfO{ clgjfo{ ?kdf u/fpg' kg]{5 .
-h_ o; Joj:yf cg';f/ ul/g] cfoft afktsf] e'tmfgLsf] ljj/0f dfl;s ?kdf o;
ljefudf k]z ug'{ kg]{5 .
!=@=@ D.A.A. (Documents Against Acceptence) sf dfWodaf6 ul/g] cfoft M
-s_ International Chamber of Commerce sf] Uniform Rules for
Collections (URC), ICC Publication No. 522 df ePsf] k|fjwfg
cg'?k sf/f]jf/ tyf e'QmfgL Joj:yf ldnfpg' kg]{5 .
-v_ sfuhftx? a}+s tyf ljQLo ;+:yf dfk{mt cfO{ e'QmfgL klg a}+s tyf ljQLo ;+:yf
dfk{mt g} k7fpg' kg]{5 .
-u_ sfuhft :jLsf/ u/]kl5 ;DalGwt cfoftstf{sf] tk{maf6 cflwsfl/s
kbflwsf/Låf/f sfuhftsf zt{ cg'?k lglb{i6 ;dodf e'QmfgL ug]{ k|ltj4tf hfx]/
ePsf] sfuhft lng'kg]{5 .
-3_ ef/t / e'6fgaf6 x'g] cfoftsf] xsdf ef/tLo ?k}ofdf dfq e'QmfgL ug'{kg]{5 .
-ª_ cGt/f{li6«o ljdfg:ynl:yt eG;f/ gfsf afx]s cGo eG;f/ gfsfaf6 x'g] cfoftsf]
nflu g]kfn ;/sf/, jfl0fHo ljefuaf6 Ohfht lng'kg]{5 .
19
-r_ bkmf !=!=% df plNnlvt Joj:yf cg';f/ w/f}6L lnO{ bkmf !=!=$ df pNn]lvt
Joj:yf cg';f/ lj=lj=lg=kmf=g+=$ hf/L ug{' kg]{5 .
-5_ dfn;fdfg cfoft e};s]sf] cflwsfl/s k|df0f -h:t}, ;DalGwt eG;f/ sfof{noaf6
k|dfl0ft u/]sf] lj=lj=lg=kmf=g+=$, k|1fkgkq tyf eG;f/ b:t'/ a'emfPsf] /;Lb_ /
k|fKt sfuhftdf plNnlvt dfnj:t' tyf d"No 7Ls b]lvPdf dfq e'QmfgL k7fpg'
kg]{5 .
-h_ clu|d e'QmfgL k7fpg' kg]{ ePdf k|To]s Consignment sf] nflu ;Demf}tf
MOU/Purchase Order/Proforma Invoice df plNnlvt d"Nosf] %) k|ltzt jf l6=l6=
dfkm{t k7fpg ;lsg] ;Ldf;Ddsf] ljb]zL d'b|f dWo] 36L x'g] /sd;Dd dfq k7fpg
;lsg]5 . ;f]eGbf a9L clu|d e'QmfgL k7fpg'kg]{ ePdf lglb{i6 ;doleq Shipment
gePdf clu|d e'QmfgL /sd lkmtf{ x'g] zt{ /x]sf] ljb]zl:yt k|ltli7t a}+s tyf
ljQLo ;+:yfsf] a}+s Uof/]06Lsf] cfwf/df dfq k7fpg ;lsg]5 . o;/L cfoft ug]{
j:t'x?;Fu ;DalGwt ;Dk"0f{ sfuhftx? (Documents) a}+s tyf ljQLo ;+:yf dfkm{t
g} cfPsf] x'g'kg]{ 5 .
-em_ :jLsf/ u/]sf] sfuhftsf] e'QmfgL k|Tofe"ltsf] nflu s'g} lsl;dsf] ;'/If0f /fVg jf
Uof/]06L hf/L ug{ kfOg] 5}g .
-`_ o; ;DaGwL cGo sfo{ljlw tyf Joj:yfx? o;} kl/kqsf] bkmf !=@=! adf]lhd
x'g]5 .
-6_ o; Joj:yf cg';f/ ul/g] cfoft afktsf] e'tmfgLsf] ljj/0f dfl;s ?kdf o;
ljefudf k]z ug'{ kg]{5 .
!=#= tftf]kfgL eG;f/ ljGb'dfkm{t rLgsf] :jzfl;t If]q ltAataf6 x'g] cfoft sf/f]jf/ ;DaGwdf .
tftf]kfgL eG;f/ ljGb'dfkm{t x'g] cfoft sf/f]jf/sf] ;DaGwdf lgDgfg';f/sf] Joj:yf nfu' ul/Psf]
5 .
!=#=! clwstd cd]l/sL 8n/ # xhf/;Ddsf] ;fdfg cfoftsf] nflu gub ljb]zL d'b|f pknAw
u/fpg ;lsg] 5 .
!=#=@ a9Ldf l6=l6=dfkm{t cfoft ug{ tf]lsPsf] ;Ldf;Ddsf] ;fdfg cfoft ug{sf] nflu
8«fkm\6÷l6=l6=sf] dfWodaf6 e'QmfgL k7fpg ;lsg] 5 .
bkmf !=#=! / !=#=@ b'j} Joj:yf cGtu{t ;6xL k|bfg ubf{ lgDg k|lqmof cg'¿k ug'{kg]{ 5 .
-s_ cfoftstf{ ljlwjt\ ¿kdf g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ ePsf] x'g'kg]{
-v_ gjLs/0f ug'{kg]{ eP cWofjlws gjLs/0f ;d]t ePsf] s/ k|df0fkq ;+nUg x'g'kg]{
-u_ k|rlnt Joj:yf cGtu{t cfoft ug{ kfOg] ;fdfgsf] nflu dfq of] ;'ljwf k|bfg
ug'{ kg]{
-3_ gub ljb]zL d'b|f tyf 8«fkm\6÷l6=l6=af6 e'QmfgL ug{ rfxg] cfoftstf{af6 dfly
plNnlvt sfuhftx¿ ;+nUg u/L o;};fy ;+nUg gd"gf adf]lhdsf]
lj=lj=lg=kmf=g+=# -v_ e/fO{ lng'kg]{5 . ;fy}, gub ljb]zL d'b|f÷8«fkm\6÷l6=l6=
pknAw u/fpg] a]nfdf lj=lj=lg=kmf=g+=$-v_ e/L ;DalGwt eG;f/ sfof{nosf]
gfddf k7fpg' kg]{ .
-ª_ tf]lsPsf] cjlwleq eG;f/af6 ;fdfg k}7f/L ePsf] k|dfl0ft x'g] lj=lj=lg=kmf=g+=$
-v_ k]z gug]{sf] xsdf o; ljefudf hfgsf/L lbg'kg]{ .
-r_ ;DalGwt a}+s÷ljQLo ;+:yfn] gub ljb]zL d'b|f÷8«fkm\6÷l6=l6=hf/L x'F+bfs} avt
cfoftstf{af6 dfu ePsf] ;6xL /sdsf] !% k|ltzt a/fa/sf] /sd w/f}6Lsf]
¿kdf clgjfo{ ¿kdf lng' kg]{5 . eG;f/ dxz'n k|of]hgsf nflu ;f] w/f}6L /sd
20
a/fa/sf] r]s hf/L ug]{ / r]ssf] k5fl8 ljj/0f n]Vg] Joj:yf bkmf !=!=% sf] v08
r-$_ adf]lhd ug{'kg]{ .
-5_ lj=lj=lg=kmf=g+=$ -v_ df plNnlvt /sdsf] ;Dk"0f{ dfn;fdfg cfoft ePsf]
v08df dfq w/f}6L afkt hf/L ePsf] !% k|ltztsf] r]s k|of]u ug{ ldNg] .
-h_ tftf]kfgL eG;f/ sfof{nosf] gfddf hf/L ePsf r]sx¿ sf/0fj; /2 ug'{ k/]sf]
v08df o; ljefusf] k"j{ :jLs[lt lng'kg]{ .
pko{'Qm k|s[of k"/f gu/L q]ml86 ;'ljwf cGt/ut cfoft eO;s]sf] dfn;fdfg e'QmfgL ug{
kfOg] 5}g .
!=#=# q]ml86 ;'ljwf cGt/ut ePsf] cfoftsf] cfwf/df e'QmfgL ug{ kfOg] 5}g .
!=#=$ a9Ldf l6=l6=dfkm{t cfoft ug{ tf]lsPsf] ;Ldf;Ddsf] ;fdfg cfoft ug{sf] nflu
8«fkm\6÷l6=l6=sf] dfWodaf6 e'QmfgL k7fpg ;lsg] 5 . l6=l6= dfkm{t cfoft ug{ kfO{g]
;Ldf eGbf a9Lsf] e'QmfgLsf] xsdf k|tLtkqdfkm{t dfq sf/f]jf/ ug'{kg]{5 . o;/L k|tLtkq
sf/f]jf/ ubf{ t];|f] d'n'saf6 x'g] cfoft k|tLtkq sf/f]jf/ ;DaGwL Joj:yfsf ;a}
k|fjwfgx¿ Tfftf]kfgL gfsfaf6 x'g] cfoftsf nflu klg nfu' x'g]5g .
!=#=% o; Joj:yf cGtu{t k|bfg ul/Psf] ;6xL ;DaGwL ljj/0fx¿ cg';"rL !=& adf]lhd k|To]s
dlxgfsf] ! ut]b]lv !% ut];Dd ePsf] sf/f]jf/sf] klxnf] k6s / !^ ut]b]lv d;fGt;Dd
ePsf] sf/f]jf/sf] bf]>f]k6s u/L cjlw ;lsPsf] a9Ldf & lbgleq o; ljefudf k]z ug'{kg]{
5 .
!=$ sRrf pmgsf] cfoft ;DaGwL Joj:yf .
!=$=! l6=l6= dfkm{t ltAataf6 ul/g] sRrf pmgsf] cfoft Joj:yfsf ;DaGwdf M
ltAataf6 cfoft ul/g] sRrf pmgsf] e'QmfgL k|tLtkq afx]s 8«fkm\6÷l6=l6=sf dfWodaf6
ubf{ lgDg k|lqmofx¿ cjnDag u/L kl/jTo{ ljb]zL d'b|f ;6xL pknAw u/fpg ;lsg]5 .
-s_ ;DalGwt cfoftstf{af6 lgj]bg ;lxt qm]tf / laqm]tf jLrsf] ;Demf}tfkq x'g'
kg]{5 . o:tf] lsl;dsf] ;Demf}tfdf lrgLofF /fhb"tfjf; jf g]kfn lxdfnkf/ Jofkf/
;+3n] k|dfl0ft u/]sf] x'g'kg]{ 5 .
-v_ kmd{ /lhi6«]zg k|df0fkq, cfos/ btf{ k|df0fkq / k|f]kmdf{ OGEjfO; (Proforma
Invoice) ;+nUg x'g'kg]{5 . ;Demf}tf kq (Contract Paper) ePsf] xsdf ;f] ;d]t
lgj]bg ;fy lng'kg]{5 .
-u_ clu|d e'QmfgL u/L sRrf pmg cfoft ug]{sf] xsdf g]kfn lelqPsf] k|df0f :j¿k
eG;f/ k|1fkgkq / e'QmfgL lbPsf] lg:;f k]z ug]{ zt{df dfly v08 -s_ / -v_ df
plNnlvt sfuhftx¿sf] cfwf/df 8«fkm\6 jf l6=l6= sf] dfWodaf6 e'QmfgL x'g] u/L
;6xL ;'ljwf pknJw u/fpg ;lsg]5 .
-3_ sRrf pmg cfoftsf] nflu hf/L x'g] k|tLtkq tyf 8«fk\m6÷l6=l6 / sn]S;gdf
;d]t @ k|ltzt eG;f/ w/f}6L lng' kg]{5 .
-ª_ k|rlnt Joj:yf cg';f/ lj=lj=lg=kmf=g+= $, $-s_ / $-v_ hf/L ug'{ kg]{5 .
-r_ k|rlnt Joj:yf cg';f/ w/f}6L /sdsf] ;DalGwt eG;f/ sfof{nosf] gfddf r]s
hf/L ug'{ kg]{5 .
-5_ k|rlnt Joj:yf adf]lhd cfoft x'g] j:t'x?sf] e'QmfgLsf] nflu ;6xL ;'ljwf k|bfg
ubf{ eG;f/ dx;'n e'QmfgL u/]sf] /;Lbsf] ;Ssn k|ltdf ;6xL k|bfg ePsf] b/kL7
u/]kl5 ;f] ;Ssnk|lt a}+sd} /fvL ;Ssn k|lt a}+sdf /x]sf] Joxf]/f k|dfl0ft u/L
;f]sf] k|ltlnlk ;DalGwt cfoftstf{nfO{ lbg' kg]{5 .
21
-h_ k|rlnt Joj:yf adf]lhd j:t' cfoft ePsf] k|dfl0ft x'g] cGo sfuhftx?sf ;fy}
Jofkfl/s aLhs -Commercial Invoice_ / 9'jfgL ;DaGwL sfuhft -Transport
Document_ sf k|ltlnlk ;d]t lng' kg]{5 .
-em_ rLgsf] :jzfl;t If]q ltJjtaf6 x'g] sRrf pmg ltJjtl:yt lgof{tstf{af6} cfoft
u/L ;f]sf] e'QmfgL klg ;f]xL lgof{tstf{sf] ltJjt l:yt a}+s vftfdf hDdf x'g'
kg]{5 .
-`_ q]ml86 ;'ljwf cGt/ut cfoft ug{ kfOg] 5}g .
-6_ 8«fkm\6, l6=l6 tyf sn]S;g dfkm{t cfoft ubf{ ;f] ;DaGwL cGo Joj:yfx? o:tf]
cfoftdf klg kfngf ug{'kg]{5 .
!=$=@ k|tLtkq dfkm{t ul/g] sRrf pmgsf] cfoft Joj:yf M
-s_ ljb]zaf6 sRrf pmg k}7f/L ubf{ k|rlnt Joj:yfsf] cwLgdf /xL vf]lng]
k|tLtkqdf ;f] sRrf pmg $–^ -OGr_ nDafOsf] x'g'kg]{ 5 . sRrf pmg $–^ -OGr_
nDafO{sf] x'g'kg]{ zt{ rLgsf] :jzfl;t If]q ltJjt afx]s cGo d'n'saf6 x'g] sRrf
pmg cfoftsf] nflu dfq nfu' x'g]5 . ;fy} o:tf] k|tLtkq vf]Nbf Jofkf/ tyf
lgof{t k|j4{g s]Gb|||sf] l;kmfl/; clgjfo{ ¿kdf ;+nUg x'g'kg]{5 .
-v_ kl/kqsf cGo zt{x? k"/f u/L rLgsf] :jzfl;t If]q ltAataf6 ;d]t k|tLtkq
dfk{mt sRrf pmg cfoft ug{ ;lsg]5 .
-u_ ljlwjt btf{ eO{ cg'dlt k|fKt u/]sf :j]6/ pBf]ux?nfO{ cfjZos kg]{ @–# -OGr_
nDjfO{ / !$–@( dfOqmf]g df]6fO{sf] sRrf pmg ;d]t tf]lsPsf] l:sd adf]lhdsf]
kl/df0fdf Jofkf/ tyf lgsf;L k|j4{g s]Gb|sf] l;kmfl/; adf]lhd k|tLtkqsf]
dfWodaf6 cfoft ug{ ;lsg]5 .
-3_ sRrf pmg cfoftsf] nflu hf/L x'g] k|tLtkq tyf 8«fk\m6÷l6=l6 / sn]S;gdf
;d]t @ k|ltzt eG;f/ w/f}6L lng' kg]{5 .
-ª_ k|rlnt Joj:yf cg';f/ lj=lj=lg=kmf=g+= $, $-s_ / $-v_ hf/L ug'{ kg]{5 .
-r_ k|rlnt Joj:yf cg';f/ w/f}6L /sdsf] ;DalGwt eG;f/ sfof{nosf] gfddf r]s
hf/L ug'{ kg]{5 .
!=% kl/jTo{ ljb]zL d'b|fdf vftf x'g] lgsfon] ef/taf6 k|tLtkq dfkm{t cfoft ug]{ Joj:yf .
kl/jTo{ ljb]zL d'b|fdf vftf x'g] b]xfosf lgsfon]] kl/jTo{ ljb]zL d'b|fdf e'StfgL x'g] u/L] ef/taf6
cfoft ug{ cg'/f]w u/]df b]xfo cg';f/sf] k|lqmof k"/f u/L cf–cfˆgf] kl/jTo{ ljb]zL d'b|fsf]
vftfaf6 vr{ Joxf]l/g] u/L v'nf Ohfht (Open General License-OGL) cGtu{tsf ;fdfg
k|tLtkqsf] dfWodaf6 cfoft ug{ ;lsg] 5 .
!=%=! k|tLtkq vf]Ng u|fXo x'g] cfoftstf{x¿ M
-s_ bft[ ;+:yfsf] gfddf vf]n]sf] ljb]zL d'b|f vftfjfnf,
-v_ ljb]zL d'b|f vftf ePsf s'6g}lts lgof]ux¿,
-u_ ljb]zL d'b|f vftf ePsf ljb]zL gful/s tyf ljb]zL ;+3 ;+:yfx¿
-3_ Unf]jn 6]08/ cGtu{t 7]Ssf k|fKt ug]{ ljb]zL d'b|fsf] vftf ePsf g]kfnL tyf ljb]zL
7]s]bf/x¿ .
!=%=@ k|tLtkq vf]Nbf lgDgfg';f/sf] k|lqmof k"/f ug'{kg]{5 M
-s_ ;DalGwt lgof{tstf{n] kl/jTo{ ljb]zL d'b|fdf hf/L u/]sf] Proforma Invoice k]z
ug'{kg]{5 .
-v_ Unf]jn 6]08/ cGtu{t 7]Ssf k|fKt ug]{ g]kfnL tyf ljb]zL 7]s]bf/x¿n] ug]{ cfoftsf]
xsdf g]kfn ;/sf/sf] ;DalGwt lgsfo -dGqfno, ljefu / cfof]hgf_ af6 cfoft
22
ul/g] ;fdfgx¿ pQm cfof]hgfsf] nflu xf] eGg] l;kmfl/;kq clgjfo{ ¿kn] lng'kg]{
5 .
-u_ 9'jfgL vr{sf] xsdf CIF g]kfn eG;f/ gfsf pNn]v eO{ cfPsf] xsdf kl/jTo{
ljb]zL d'b|fdf e'StfgL ug{ ;lsg] 5 . ljdfsf] xsdf :jb]zs} ljdf sDkgLaf6 ljdf
u/fpg' kg]{5 .
-3_ k|tLtkq ;DaGwL cGo k|rlnt Joj:yfx¿ ;j} kfngf ug'{kg]{5 .
!=^ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L k|tLtkq dfkm{t ef/taf6 cfoft ug{ kfOg] dfn;fdfgx? tyf
cfoft ubf{ ckgfpg'kg]{ k|lqmof .
!=^=! b]xfo adf]lhdsf gfd tyf xfdf]{lgs sf]8 ePsf j:t'x? kl/jTo{ ljb]zL d'b|f e'QmfgL x'g]
u/L ef/taf6 k|tLtkq dfkm{t k}7f/L ug{ ;6xL ;'ljwf pknAw u/fpg ;lsg] 5 .
s|=;+= xfdf]{lgs sf]8 j:t'x?
1 13=01=02 Extracts
2 21=06=90=40 Soft Drink Concentrate
3 27=10=19=11 Furnace Oil
4 27=13=20 Bitumen
5 28 ;j} cf}Bf]lus /;fogx? -dfgj cf}ifwL agfpg] s]ldsn afx]s_
6 28=03 Carbon Black
7 29=01=10 L.L.P. (Light Liquid Paraffin )
8 29=02=20 Benzene/Toluene
9 29=05=11 Methanol
10 29=05=16=00 2-Ethyl Hexanol
11 29=05=31 Ethylene Glycol
12 29=05=44=00 Sorbitol
13 29=15=00 Methyl Salicylate
14 29=15=21=00 Acetic Acid
15 29=15=32 Vinyl Acetate Monomer
16 29=16=12 Butyl Acraylate Monomer / 2-Etyl Hexyls Acrylate
17 29=17=34 Dibutyl Phthalate
18 29=17=35 Phthalic Anhydride
19 29=17=36 Terephthalic Acid
20 29=22 Oxygen Function Amino-Compounds
21 29=24 Carboxamide Function Compounds
22 29=33 Heterocyclic Compounds
23 29=34 Nucleic Acids
24 29=41 Antibiotics
25 32=15 Printing Ink
26 33=02=90 Flavour - '̂yk]i^df k|of]u x'g] sRrf kbfy{, Odoriferous Substances / Perfume
27 34=02=90=10 LABSA -l*^/h]G^df k|of]u x'g] sRrf kbfy{_
23
28 38=17=10 Mixed Alkyl benzenes
29 38=23=11=00 Stearic Acid
30 38=23=19=00 Palm Steearin DFA / Palm Karnel DFA
31 39=01=10 /
39=01=20 Polyethylene
32 39=02=10 Polypropylene
33 39=03=19=00 Polysterence
34 39=05=30 Poly Vinyl Alcohol
35 39=07=60=00 Plastic Pet Chips / Pet Resin
36 39=11=90 PVC Resin
37 39=20 Polyethylene
38 39=20=20 Polypropylene Films/Noodle Strapper
39 39=20=59 Printed Laminated Web
40 39=20=59=00 Seasoning Wrapper
41 40=01 k|fs[lts /a/ (Natural Rubber)
42 40=02 l;Gy]l^s /a/ (Synthetic Rubber)
43 48=01=00=00 News Print Paper
44 48=02=00 /
48=06=00 sfuhx? (Papers)
45 48=10 Paper
46 50=04 / 50=05 l;Ns ofg{ (Silk Yarn)
47 51=06 pgL ofg{ Yarn of Carded wool -xf]lhof/L afx]s_
48 51=07 pgL ofg{ Yarn of Combed wool -xf]lhof/L afx]s_
49 51=08 pgL ofg{ Yarn of fine animal hair -xf]lhof/L afx]s_
50 52=01 skf;
51 52=05 / 52=06 ;'ltofg{
52
52=05=11 b]lv
52=05=14 ;Dd
52=06=11 b]lv
52=06=14 ;Dd
s^g ofg{ / ofg{
53 54=02
54=02 df pNn]v ePsf] s[lqd ofg{ -54=02=42 df pNn]lvt
Partially Oriented Polyster Yarn / 54=02=49 df pNn]lvt Synthetic Filament Yarn afx]s_
54 %$=)@=$^ kf]lni^/ kfl;{onL cf]l/G ]̂* ofg{
55 54=02=49 Synthetic Filament Yarn
56 54=03, 55=09,
55=10 s[lqd ofg{ -xf]lhof/L ofg{ afx]s_
57
55=01, 55=02,
55=03, 55=04,
55=06, 55=07
dfgj lgld{t s[lqd kmfOj/x¿
58 55=03=20 kf]lni^/ kmfOj/
24
59 55=04=10 le:sf]h /]og Viscose Rayon -kmfOj/_, Viscose Staple Fibre
60 59=02 ^fo/ s*{ km]lj|s (Tyre Cord)
61 70=10=90=00 Carboys, Bottles, Plasks, Jar,Pots.
62 7203=10=00 Sponge Iron
63 72=04=49 M. S. Scrap
64 72=06 kmnfd Oguf]^ (Iron Ingot)
65 72=07 dfON* l:^n aLn]̂ (M S Billet)
66
72=08 sf] 27=00,
36=00, 37=00,
38=00, 39=00,
51=00, 52=00
x^/f]n l;^ Og Sjfon (Hot rolled sheet in coil)
72=08=51 /
72=08=52 x^/f]n l;^ g^ Og Sjfon (Hot rolled sheet not in coil)
67
72=09 sf] 15=00,
16=00, 17=00 /
18=00
sf]N*/f]n l;^ Og Sjfon (Cold rolled sheet in coil)
68 72=10=12 l^g Kn]^ (Tin Plate)
69 72=11=14=00 Hot Rolled Sheet in Coil
70 72=11=19=00 Hot Rolled Sheet in Coil
71 72=13=91=10 Pd=P;= jfo/ /* Og Sjfon (M S rod in coil)
72
72=17=20
72=17=30
72=17=90
Bead Wire -sk/ sf]^]*_
73 72=18=99 l:^n Ao'd
74 72=19 l:^n Kn]^
75 72=26=11 Silicon Steel
76 74=04=00=00
76=02=00=00
sk/ j]i6 / :qmofk (Copper Waste and Scrap) cfNd'lgod j]i6 / :qmofk (Aluminum Waste and Scrap) -b'j} j:t' jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] ;"rgf adf]lhd dfq _
77 74=07=10=00 Copper Rods
78 74=08=11=00 Copper Wire
79 76=01 cfNdf]lgod Ogu^ aLn]̂
80 76=04 / 76=05 cfNdf]lgod /* Og Sjfon
81 76=12=10=00 Tubes
82 79=01=11=00 Zinc
83 79=01=20 Zinc Alloy
84 83=09=10=00 Metal Crown Corks
85 84 ;Dk")f{ d]l;g/L pks/)fx? -kf {̂k'hf{ afx]s_
86 85=01, 85=02 ljB'tLo df]6/, h]g]/]l6ª ;]6
87 85=04=90 Amorphous Metal cores
88 85=07=90=00 PP Battery Container & Battery Separator
25
89 85=29=90 Spare Parts for TV Receiver
90 85=40=11 TV Picture Tube
91 efu pNn]v gePsf]
tof/L kf];fs lgof{t pwf]un] cfkmgf] kl/jTo{ ljb]zL d'b|f cfh{gsf]
50 k|ltzt ;Ddsf] cfh{gn] vfDg] u/L sRrf kbfy{sf] ?kdf
cfoft ug{ kfpg] sk*f (Fabrics)
92 !&=)@=#) Dextrose Anhydrous I.P. / eG;f/ ljefuaf6 jlu{s[t Glucose
and Glucose Syrup
93 @%=@#=!)=)) lSnÍ/
94 27.10.19.16 Pd=6L=cf]= -ldg/n 6/k]G6fO{g cfon_
95 @&=!)=!(=() k]6«f];f]n
96 @(=!^ Unsaturated Acyclin Monocarboxylic Acid
97 29.35.00 Sulphonamides, Sulphamethoxazole, Sulphafurazole, Sulphadiazine, Sulphadimidine, Sulphacetamide
98 29.35.11 Sulphamethoxazole
99 29.35.12 Sulphafurazole
100 29.35.13 Sulphadiazine
101 29.35.14 Sulphadimidine
102 29.35.15 Sulphacetamide Sulphamethoxy,pyridarine, Sulphamethiazole, Sulphamoxole,Sulphamide:
103 29.35.21 Sulphamethoxy, pyridarine
104 29.35.22 Sulphamethiazole
105 29.35.23 Sulphamoxole
106 29.35.24 Sulphamide
107 29.42 Other Organic Compounds
108 32.12.90.00 hfolng, nfO^ ;f]ne]G^ g]Kyf
109 33.02.10 P;]G; km\n]j/
110 (^)@=))=)) Geltain Capsules (Empty)
111 39.05.42.00 k]+6f P/Ly|L6f]n
112 39.20 Polyester, Polythelyne, BOPP,Pvc, OPP,CPP sf Film
113 39.21.19 lk|G6]8 ¥ofk/
114 39.23.90 Knfli6s nlnkk :6Ls
115 48.23.90 (76.07.20) r'OËd ¥ofk/
116 70.10.20 Stoppers, Lids and Other Closures
117 72.01.10.00 lku cfO/g
118 72.11.23 CRCA Strips (76.20 MM)
119 76.07 Aluminum foils
120 79.01.12.00 Zinc
121 85.04.22.00 3000 KVA Transformer
122 72.28.20.00 Flat Spring
123 78.01.10.00 Pure /Refined Lead
124 78.01.91.00 Antimony lead Alloy
125 2905.13.00 N Butanol
126 2905.14.00 ISO Butanol
127 7216.22.00 P+un
128 7216.40.00 P+un
26
129 7216.50.00 P+un
130 7606.91.00 cfNdf]lgod ;s{n
131 2912.60.00 Parafarmaldehyde
132 2933.61.00 Melamin
133 3824.90.00 Alkyl Ester (Bio-Fuel)
134 1520.00.00 Glycerol (Glycerine)
135 – LP Gas -pkef]Uo OGwg_
136 &$)#=!!=)) Cathodes and Sections of Cathodes
137 &^)!=!)=$) cfNdf]lgod jfo/ /8
138 24=01 Unmanufactured Tobacco, Tobacco Refuse
139 24=03 Other manufactured tobacco and manufacture tobacco substitutes homogenized Or reconstistuted tobacco extracts and essences cut tobacco, Process tobacco.
140 2918=16=00
Carboxylic acids with additional oxygen function and their anhydrides, halides, peroxides and2peroxyacids; their halogenated, sulphonated, nitrated or nitrosated derivatives. -Carboxylic acids with2alcohol function, but without other oxygen function, their anhydrides, halides, peroxides, peroxyacids and their derivatives. Calcium Gluconate (Gluconic acid, its salts and esters)
141 3505=10=00
Dextrins and other modified starches (for example, pregelatinised or esterified starches) ; glues based on starches, or on dextrins or other modified starches. -White Dextrine (Dextrins and other modified starches)
142 7403=21=00 Refined copper and copper alloys, unwrought -Copper alloys: -Copper-Zink base alloyes (brass)
143 7405=00=00 Master alloys of Copper
144 7407=21=00 Copper bars, rods and profiles. -Of copper alloys: -Of Copper-Zink base Alloyes (brass)
145 7408=19=00 Copper wire. Of refined copper: -Others (of refinded Copper)
146 7408=21=00 Copper wire. -Of copper alloys:-Of Copper- Zink base alloyes (brass)
147 7409=11=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of refined copper: -In Coils
148 7409=19=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of refined copper: -Others
149 7409=29=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of copper-zinc base alloys (brass): -Others
150 7409=39=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of copper-tin base alloys (bronze): -Others
151 7409=40=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of-Copper-Nickel base alloys (Cupronickel) or Copper Nickel-Zinc base alloys (Nickel Silver)
152 7411=10=00 Copper tubes and pipes. -Of refined Copper
153 7411=21=00 Copper tubes and pipes. -Of Copper-Zinc base alloys (brass)
154 7411=22=00 Copper tubes and pipes. -Of Copper-Nickel base alloys (Cupronickel of Copper-Nickel-Zinc base alloys (Nickel Silver)
155 7606=91=00 Aluminium plates, sheets and strip, of a thickness exceeding 0.2 mm. -Rectangular (including square): -Of Aluminium, not alloyed
156 7608=10=00 Aluminium tubes and pipes. -Of Aluminium, not alloyed
157 7608=20=00 Aluminium tubes and pipes. -Of Aluminium alloys
158 2710=19=14 Transformer Oil
159 8544=11=10 Rectangular Enameled (Insulated) Copper Wire/Strip
160 8546=20=00 Ceremics Bushings (Electrical Insulators)
161 2008=99=10 Mango Pulp
27
!=^=@ bkmf !=^=! df plNnlvt j:t'x¿ kl/jTo{ ljb]zL d'b|f vr{ u/L ef/taf6 cfoft ubf{ lgDg
adf]lhdsf] k|lqmof ckgfpg'kg]{ 5 .
-s_ plNnlvt dfn;fdfgx? k|tLtkq dfkm{t dfq cfoft ug'{kg]{5 .
-v_ ef/tsf] pTkfbgstf{ kmd{÷sDkgLaf6 dfq To:tf dfn;fdfg cfoft ug'{ kg]{5 . olb
s'g} ef/tLo pTkfbgstf{ kmd{÷sDkgLn] cfkm'n] pTkfbg u/]sf] ;fdfg cfk}mn] a]Rg]
geO{ cfˆgf] Sole Agent af6 dfq ljqmL ljt/0fsf] sfo{ ug]{ u/]sf] cj:yf ljBdfg
ePdf To:tf Sole Agent af6 klg kl/jTo{ ljb]zL d'b|fdf ef/taf6 tf]lsPsf j:t'x?
cfoft ug{ ;lsg]5 . o;sf nflu pTkfbgstf{ kmd{÷sDkgLaf6 tf]lsPsf] Sole
Agent ePsf] k|df0f lng'kg]{5 . k|tLtkqsf sfuhftx? (L/C Docments) sf ;fydf
h'g pTkfbgstf{ kmd{÷sDkgLn] Sole Agent tf]s]sf] xf] To;} pTkfbgstf{
kmd{÷sDkgLsf] ARE kmd{ ;+nUg x'g'kg]{ 5 .
-u_ g]kfndf btf{ ePsf pTkfbgd"ns cf}Bf]lus kmd{, phf{d"ns pBf]ux?, g]kfndf
ljlwjt ?kdf btf{ ePsf lgdf{0f Joj;foLx? / kq–klqsf k|sfzg ug]{ k|sfzg
u[xx? nufotn] dfly plNnlvt dfn;fdfgx? cfoft ug{ kfpg]5g\ .
;fy} :s"n, sn]h, o'lgel;{6L, xl:k6n, gl;{Ëxf]d nufotsf ;+ul7t lgsfo
-Joltm ljz]if afx]s_ x?nfO{ klg cfkmgf] k|of]hg -Jofkfl/s k|of]hgsf] nflu afx]s_
sf] nflu dfq Generator Set -xfdf]{lgs sf]8 g+=*%=)! / *%=)@ df pNn]v ePsf]_
cfoft ug{ lbg ;lsg]5 .
-3_ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L dfly plNnlvt j:t'x¿ ef/taf6 cfoft ug{
kfOg] Joj:yf adf]lhd vf]lnPsf k|tLtkqx¿ cGt/ut e'QmfgL k7fpFbf 9'jfgL tyf
ljdf z'Ns afktsf] xsdf ef/tLo ¿kF}ofdf dfq e'QmfgL ug'{kg]{5 .
!=^=# k|To]s k|tLtkqdf clgjfo{ ¿kdf lgDg Joxf]/f pNn]v ug{'kg]{5 .
-s_ k|To]s k|tLtkq cGtu{t k|fKt x'g] kl/jTo{ ljb]zL d'b|fsf] Invoice ;Fu} Invoice df
plNnlvt ljb]zL d'b|f /sd j/fj/sf] ARE kmf/fdsf] jf Nepal Invoice -cyf{t\
Invoice of goods liable to central excise duty in India transmitted under Excise
Seal to Nepal) eGg] kmf/fdsf] gDj/ / ldlt pNn]v ul/Psf] Bill of Export for duty free goods -lgof{tstf{n] eg]{_ gfds kmd{ clgjfo{ ¿kn] ;+nUg x'g'kg]{ jf g]kfn
OGEjfO{; (ARE) gfds kmd{ sf] gDj/ / ldlt pNn]v 5 eg] Bill of Export for
goods under claim for duty drawback gfds kmd{ x'g'kg]{5 .
;f] gePdf ef/tLo ¿k}ofFdf dfq e'QmfgL x'g]5 . t/, lgof{tstf{ ef/tsf]
Special Economic Zone leqsf] lgsfo x'g\ eg] To:tf lgof{tsf] xsdf ARE kmd{
cfjZos kg]{ 5}g . To:tf lgof{tx? Special Economic Zone af6 g} lgof{t ePsf]
eGg] Joxf]/f k|dfl0ft x'g] sfuhft ;DalGwt ef/tLo Customs af6 k|dfl0ft eO{
cfPsf] x'g' kg]{ 5 .
-v_ Partial Shipment x'g] u/L vf]lnPsf] k|tLtkqx¿sf] xsdf eg] dfly bkmf !=^=# sf]
-s_ df plNnlvt ARE jf Nepal Invoice df plNnlvt kl/df0f tyf d"No / Bill of Export for duty free goods gfds kmd{df plNnlvt kl/df0f tyf d"Nodf km/s kg{
;Sg] x'Fbf o;nfO{ s}lkmot dfGg cfjZos x'g] 5}g .
-u_ o:tf] k|tLtkqx¿ cGtu{t lgodfg';f/ hf/L ul/g] lj=lj=lg=kmf=g+=$ df cGo
Joxf]/fsf] cltl/Qm dfly bkmf !=^=# sf] -s_ df Joj:yf eP adf]lhd ARE jf Nepal Invoice sf] gDa/ / ldlt clgjfo{ ¿kn] pNn]v ug'{ kg]{5 .
28
-3_ ef/tl:yt lgof{tstf{ Manufacturing Unit xf] / pQm Unit n] Excise Duty Free Goods lgof{t u/]sf] xf] eGg] k|df0fsf] ?kdf dfq pTkfbgstf{n] hf/L u/]sf] ARE
Form dfu ug]{ t/ k|tLtkqdf plNnlvt j:t'sf] kl/df0f, /sd osLg jf le8fpg]
sfuhftsf] ?kdf ARE nfO{ lng cfjZos kg]{ 5}g .
-ª_ g]kfn tof/L kf];fs pBf]u ;+3n] l;kmfl/; u/]sf] cfwf/df g]kfnsf tof/L kf];fs
pBf]ux¿n] kl/jTo{ ljb]zL d'b|f e'QmfgL x'g]u/L ef/taf6 cfoft ug]{ kfj/n'd sk8f,
ofg{ 8fO{8 sk8f -;'tL /]og cflb_ / lg6]8 sk8fsf] xsdf ARE eGg] kmf/fdsf] jf
Nepal Invoice -cyf{t\ Invoice of goods liable to central excise duty in India
transmitted under Excise Seal to Nepal) eGg] kmf/fdsf] gDa/ / ldlt pNn]v
ul/Psf] Bill of export for duty free goods -lgof{tstf{n] eg]{_ gfds kmf/fd k]z ug'{
kg]{ 5}g .
!=^=$ cfoftsf] nflu ;+nUg x'g'kg]{ sfuhftx¿
-s_ ef/tLo pTkfbgstf{sf] k|f]kmdf{ OGEjfO; (Proforma Invoice) jf ;Demf}tf .
-v_ g]kfnL cfoftstf{sf] kmd{ jf sDkgL btf{ k|df0fkq
-u_ cfos/ btf{ k|df0fkq .
!=^=% o;} kl/kqsf] bkmf !=^=! cGtu{tsf] s|=;+= $^, $&, $* / $( cGtu{t kg]{ j:t'x¿
cfoft ubf{ lgDg adf]lhdsf yk k|lqmofx¿ k'¥ofpg' kg]{5 M
-s_ 7"nf sk8f pBf]ux¿nfO{ cfjZos x'g] wfuf]x¿sf] xsdf g]kfn pBf]u jfl0fHo
dxf;+3sf] l;kmfl/;df g]kfn ;/sf/, pBf]u ljefun] :jLs[lt k|bfg u/] adf]lhd
k|tLtkq vf]nL cfoft ug'{kg]{ 5 .
-v_ ef/tsf] pTkfbgstf{ kmd{÷sDkgLaf6 dfq cfoft ug'{kg]{ 5 .
-u_ g]kfndf btf{ ePsf] sk8f pTkfbg ug]{ cf}Bf]lus kmd{n] dfq cfoft ug{' kg]{5 .
!=^=^ dfly bkmf !=^=! sf] s|=;+=^% cGtu{tsf] dfON8 l:6n aLn]6 cfoft ubf{ k'¥ofpg'kg]{ yk
k|lqmof M
ef/taf6 kl/jTo{ ljb]zL d'b|fdf e'QmfgL x'g] u/L kmnfd] 58 pTkfbg ug]{ pBf]ux¿n]
Pd=P;= aLn]6 cfoft u/]sf]df To:tf pBf]ux¿n] Original Document k]z geP tfklg
Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug{ cg'/f]w u/]df lgDg zt{ cGtu{t
/xL lj=lj=lg=kmf=g+=$ hf/L ug{ ;lsg] 5 .
-s_ cfoft x'g] dfn;fdfg j:t'sf] d"No a/fj/sf] Uof/]G6L lng'kg]{ t/ cfoft k|tLtkqsf]
Document cg';f/sf] ;Dk"0f{ /sd e'QmfgL ug]{sf] xsdf Uof/]G6L lng' gkg]{ .
-v_ Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ePsf] ldltn] $% lbgleq
Original Document k]z eO{ ;Sg' kg]{, cGoyf ;f]xL cfoftstf{nfO{ k'gM Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug{ gldNg] . ;fy}, o:tf] Dofb leq
Original Document k]z gePsf k|tLtkqx¿sf] ljj/0f ;f] Dofb ;dfKt ePsf] &
lbgleq o; ljefudf k]z ug{' kg]{ . o; k|of]hgsf] nflu k|tLtkq gDa/ / rnfg
eO{ cfpg] ;fdfgx¿sf] kl/df0f :ki6 ePsf] Consignment Note/Carrier Note sf]
Fax Copy nfO{ klg Copy Document sf] ¿kdf lng ;lsg] .
-u_ Original Document k|fKt ePkl5 Copy Document ;Fu Verify ug'{kg]{ .
syd\sbflrt\ km/s ePsf] kfOPdf To:tf k|tLtkqx?sf] ljj/0f o; a}+sdf k]z
ug{'kg]{ / o; ljefuaf6 Clearance k|fKt ePkl5 dfq To:tf cfoft;Fu ;DalGwt
Uof/]G6L k'ms'jf ug{ kfOg] .
-3_ dfly plNnlvt bkmf !=^=# df plNnlvt ;a} Joj:yfx¿ oyfjt\ /xg]5g\ .
29
!=^=& dfly bkmf !=^=! sf] l;=g+=(! cGt/utsf] sk8f cfoft ubf{ k'¥ofpg' kg]{ yk k|lqmof M
-s_ sRrf kbfy{sf] ¿kdf k|of]u ul/g] sk8f cfoft ug{sf] nflu k|tLtkq vf]Ng g]kfn
tof/L kf];fs pBf]u ;+3sf] l;kmfl/; clgjfo{ ¿kdf x'g'kg]{ .
-v_ ef/tdf ljlwjt\ btf{ ePsf] lgof{t ug]{ kmd{÷sDkgL dfkm{t klg pko{'Qm sk8f
cfoft ug{ ;lsg]5 . t/, lgof{t ug]{ kmd{ sDkgLnfO{ ef/tsf] The Director General
of Foreign Trade n] k|bfg u/]sf] sf]8 gDa/ ;DaGwL sfuhft clgjfo{ ¿kdf
;DalGwt a}+sdf k]z x'g'kg]{ 5 .
-u_ kl/jTo{ ljb]zL d'b|f cfh{g x'g] d"n k|tLtkq /sd dWo] %) -krf;_ k|ltzt /sd
ggfg] u/L Back to Back L/C vf]nL ef/taf6 sRrf kbfy{ sk8f cfoft ug{
;Sg]5 .
-3_ o;/L cfoft ug]{ sRrf kbfy{ sk8fsf] e'QmfgL pQm sk8faf6 tof/L kf];fs agfO{
lgof{t u/]kl5 k|fKt x'g] e'QmfgLaf6 dfq ug'{ kg]{5 .
-ª_ Ol/ef]s]jn Pn=;L=(Irrevocable L/C) cGtu{t dfq o;k|sf/sf] Back to Back L/C
vf]Ng ldNg]5 .
!=^=* dfly bkmf !=^=! sf] s|=;+= ^# df plNn]lvt M.S. Scrap sf] cfoft ubf{ g]kfn ;/sf/,
jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] k"j{ :jLs[lt clgjfo{ ¿kn] lng' kg]{5 .
!=^=( dfly bkmf !=^=! s|=;+= !#% df /x]sf] LP Gas sf] xsdf g]kfn ;/sf/af6 LP Gas cfoft
/ yf]s ljqmL Ohfht k|df0f–kq k|fKt sDkgLx?n] dfq cfoft ug{ kfpg] 5g\ .
!=& k|tLtkq ljgf 8«fˆ6÷l6=l6= sf] dfWodaf6 x'g] j:t' cfoft ;DaGwL Joj:yf M
ef/t afx]s t];|f] d'n'sx¿af6 kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ;fdfg cfoft ubf{ ;f]sf]
e'QmfgL 8«fkm\6÷l6=l6= af6 ug]{ ;DaGwdf lgDg adf]lhd ug{' kg]{5 .
!=&=! cfoftstf{ ljlwjt ¿kdf g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ ePsf] x'g 'kg]{5 .
!=&=@ gjLs/0f ug'{kg]{ eP gjLs/0f ;d]t ePsf] cfos/ btf{ k|df0fkq ;+nUg x'g'kg]{ 5 .
!=&=# /sd v'Ng] k|f]kmdf{ OGEjfO; (Proforma Invoice) ;+nUg x'g'kg]{ 5 . pQm, k|f]kmdf{
OGEjfO;df cffoft ul/g] j:t'sf] HS Code, gfd, kl/df0f, k|lt OsfO{ d'No, s'n d'No /
;fdfg lelqg] eG;f/ laGb' ;d]t pNn]v x'g'kg]{5 . ;fy}, lj=lj=lg= kmf=g+= $-s_ hf/L ubf{
;f]xL adf]lhd hf/L ug{'kg]{5 .
!=&=$ 8«fkm\6÷l6=l6=dfkm{t e'QmfgL k7fpFbf Supplier sf] gfpFdf dfq e'QmfgL k7fpg ;lsg]5 .
!=&=% o:tf] ;6xL ;'ljwf a9Ldf Ps k6sdf cd]l/sL 8n/ %),))) -krf; xhf/_ jf ;f]
a/fj/sf] kl/jTo{ ljb]zL d'b|f;Ddsf] nflu dfq k|bfg ug{ ;lsg]5 . o;/L l6=l6= dfkm{t
;6xL k|bfg ubf{ cd]l/sL 8n/ @%,))) eGbf a9L ljb]zL d'b|fsf] ;6xL pknAw u/fpbf
Benificery sf] Business Credibility Information lng] Aoj:yf ldnfpg' kg]{ 5 . ;fy},
;DalGwt kmfOndf ;f]sf] clen]v /fVg'kg]{5 .
-s_ ;fv ;"rgf g]kfnl:yt o:tf] sfd ug]{ s'g} lgsfo jf g]kfndf zfvf sfof{no
ePsf cGt/f{li6«o s'g} k|ltli7t lgsfox¿sf] k|ltlglwdfk{mt ;DalGwt a}+s cfk}mn]
;fv ;"rgf lng' kg]{5 .
-v_ Credit Risk jf High Credit Risk jf Rating not Determined eGg] h:tf Joxf]/f pNn]v
eO{ cfPsf] xsdf l6=l6=vf]Ng' k/]df ;fdfGo cj:yfdf h'g txaf6 l6=l6=vf]Ng
cg'dlt lgsf;f x'G5 ;f] txeGbf Ps txdflysf] lgsf;f clgjfo{ ?kn] lng'kg]{5 .
Rating :ki6 pNn]v geO{ Satisfactory/Good Conduct of Account dfq pNn]v 5 eg]
To:tf] cj:yfdf ;f] cg'dlt cfjZos kg]{ 5}g .
30
-u_ Ps k6s lnOPsf] o:tf] Jofkfl/s ;fv ;"rgf (Business Credibility Information) Ps jif{;Ddsf nflu dfq dfGo x'g]5 .
!=&=^ o; Joj:yf cGt/ut Pp6f Beneficiary n] e'QmfgL kfpg] u/L Pp6} Applicant åf/f
cd]l/sL 8n/ %),))) -krf; xhf/_ jf ;f] a/fj/sf] kl/jTo{ ljb]zL d'b|f eGbf a9L x'g]
u/L o:tf] ;'ljwf k|bfg ug{ kfOg] 5}g . Pp6} Beneficiary nfO{ cd]l/sL 8n/ %),))) -
krf; xhf/_ e'QmfgL lbO{ ;s]kl5 ;f] afktsf] ;fdfg Shipment geO{ l6=l6=dfk{mt csf]{
e'QmfgL k7fpg ;lsg] 5}g . ;f] Applicant åf/f ;f]xL a}+s jf cGo a}+s dfkm{t ;f]xL
Beneficiary nfO{ 8«fˆ6÷l6=l6 af6 /sd gk7fPsf] / ;f]xL Beneficiary af6 8«fˆ6÷l6=l6
cGtu{tsf] dfn;fdfg Shipment x'g afFsL g/x]sf] :j3f]if0ff lng'kg]{5 .
!=&=& o; ;'ljwf cGtu{t ;fdfg Psd'i6 l;kd]06 x'g] k|ltj4tf k|fKt ePdf k6s k6s
-Partially_ u/L cd]l/sL 8n/ %),))) -krf; xhf/_ df ga9\g] u/L /sd k7fpg
;lsg]5 . t/, To:tf] ;fdfg cl3Nnf] k6s ;6xL lnPsf] () lbg leq cfoft ul/;Sg'
kg]{5 .
!=&=* o:tf] ;'ljwf cGtu{t ;fdfg cfoft ubf{ clgjfo{ ¿kn] Airwaybill/Shipment/Transport Document k]z ePsf] x'g'kg]{5 . Hand Carry u/L ;fdfg Nofpg]sf] xsdf of] ;'ljwf
pknJw x'g] 5}g .
!=&=( o; Joj:yf cGtu{t cfoft x'g] a9Ldf cd]l/sL 8n/ %)) -kfFr;o_ ;Dd d"Nosf nQf
sk8f, >[+uf/sf lSnk÷sfF6f, h'Qf, rKkn, vfg]s'/f h:tf j:t' dfqsf nflu Airwaybill/
Shipment/Transport Document cfjZos gx'g] t/ lqe'jg ljdfg:yn eG;f/ sfof{nosf]
sfpG6/ l8kf]lh6 /;Lbsf] k|ltlnlk x'g'kg]{ 5 .
!=&=!) ef/tsf] sf]nsftf tyf ljzfvfktgd aGb/ufx eO{ t];|f] d'n'saf6 cfoft x'g] j:t'x¿sf]
xsdf k|tLtkq gvf]lnPsf xsdf g]kfn ;/sf/, jfl0fHo ljefun] hf/L ug]{ Ohfhtkq
cfjZos kg]{ x'Fbf ;f] Joxf]/f sf]nsftf tyf ljzfvfktgdaf6 cfoft ug]{ k|To]s
cfoftstf{nfO{ a}+sn] clgjfo{ ¿kdf hfgsf/L u/fpg' kg]{5 .
!=&=!! v'Nnf Ohfht (OGL) cGtu{tsf ;fdfgx¿sf] nflu dfq of] ;'ljwf k|bfg ug{ ;lsg]5 .
!=&=!@ o; k|of]hgsf] nflu k|bfg ul/Psf] 8«fkm\6÷l6=l6=sf] ldlt pko{'Qm sfpG6/ l8kf]lh6
/;Lbsf] ldlteGbf cl3sf] x'g'kg]{5 .
!=&=!# o:tf] ;'ljwf lng rfxg] cfoftstf{af6 dfly pNn]lvt sfuhftx¿ ;+nUg u/L o;};fy
;+nUg lj=lj=lg=kmf=g+=#-s_ e/fO{ /fVg'kg]{5 . ;fy} 8«fkm\6÷l6=l6= pknJw u/fpg] a]nfdf
;+nUg lj=lj=lg=kmf=g+=$-s_ e/L ;DalGwt eG;f/ sfof{nosf] gfddf k7fpg' kg]{5 .
!=&=!$ o; Joj:yf cGt/ut ;DalGwt eG;f/ sfof{nosf] gfddf lj=lj=lg=kmf/fd hf/L ubf{
cfoftstf{n] e'QmfgL k7fpg] k|of]hgsf] nflu k]z u/]sf] Proforma Invoice /
Commercial Invoice ?h' u/L tyf cfoft ;DaGwL cGo sfuhft ;d]t ;DalGwt
a}+s÷ljQLo ;+:yfn] k|dfl0ft u/L pQm kmf/fd;fy ;+nUg ug'{ kg]{5 .
!=&=!% tf]lsPsf] cjlwleq eG;f/af6 ;fdfg k}7f/L ePsf] k|dfl0ft x'g] lj=lj=lg=kmf=g+=$-s_ Pjd\
Airwaybill/Shipment/Transport Document k]z gug]{x?sf] ljj/0f & lbgleq o;
ljefudf k]z ug{' kg]{5 .
!=&=!^ ;DalGwt a}+sn] 8«fkm\6÷l6=l6= hf/L x'Fbfs} avt cfoftstf{af6 ;6xL /sdsf] !) -bz_
k|ltzt j/fj/sf] /sd w/f}6Lsf] ¿kdf clgjfo{ ¿kdf lng'kg]{5 . w/f}6L ;DaGwL cGo
Joj:yf O=k|f= kl/kq ;+Vof M ! sf] æw/f}]6L ;DaGwL Joj:yfÆ df pNn]v eP adf]lhd g}
x'g]5 . ;f] w/f}6L /sd j/fj/sf] r]s hf/L ug]{ ;DaGwdf cfoft k|tLtkq ;DaGwL Joj:yf
31
adf]lhd g} sfod ul/Psf] 5 . t/, cfoftstf{sf] kl/jTo{ ljb]zL d'b|f vftf vr{ x'g]
cj:yfdf eg] w/f}6L ;DaGwL of] Joj:yf nfu' x'g] 5}g .
!=&=!& o:tf] ;6xL ;'ljwf dfu ug]{ cfoftstf{x¿af6 cfoft ul/g] j:t'x¿ cfoft u/L g;s]sf]
k|lta4tf ;d]t clgjfo{ ¿kdf lng' kg]{5 .
!=&=!* ef/t afx]s t];|f] d'n'saf6 ;fdfg cfoft ug{] k|of]hgsf] nflu k7fOPsf] clu|d e'QmfgL
afktsf] /sd sf/0fjz ljq]mtfn] ;fdfg gk7fO{ /sd g} lkmtf{ k7fPsf] cj:yfdf eG;f/
sfof{nosf] gfddf hf/L ul/Psf] r]s ;DalGwt a}+s :jodn] /2 ug{ ;Sg]5 .
!=&=!( vfB kbfy{ cfoft ug{] ;DaGwL yk Joj:yf M
-s_ l6=l6= dfkm{t vfB kbfy{ cfoft ubf{ l6=l6 hf/L ug{' cufj} g]kfn ;/sf/sf]
;DalGwt lgsfoaf6 cfoft cg'dltkq lng'kg]{5 .
-v_ pko{'Qm adf]lhd l6=l6 hf/L ubf{ To:tf] cg'dltkqdf pNn]v eP cg';f/sf]
cfoftstf{÷lgof{tstf{, kl/df0f / d"No cfoft cg'dltkq;Fu k"0f{?kdf d]n vfPsf]
x'g'kg]{5 .
!=* Unf]jn 6]08/ dfkm{t ef/t af6 cfoft x'g] j:t' tyf ;]jf vl/b ;DaGwL Joj:yf M
!=*=! laleGg lgsfo, cfof]hgf, kl/of]hgf tyf cGo ;+ul7t lgsfox?n] cfk'mnfO{ cfjZos kg]{
j:t' tyf ;]jfx? Unf]jn 6]08/ dfkm{t ef/taf6 cfoft ubf{ k|rlnt Joj:yfx? cGt/ut
/xL kl/jTo{ ljb]zL d'b|fdf ;d]t e'StfgL ug{ ;lsg] 5 .
!=*=@ pNn]lvt Joj:yf cGtu{t /xL laleGg lgsfo, cfof]hgf, kl/of]hgf tyf cGo ;+ul7t
lgsfox?n] Unf]an 6]08/ cGtu{t ef/taf6 cfoft ug]{ j:t'sf] xsdf Nepal Invoice
ARE/ Bill of Export hf/L u/fO{ /xg' gkg]{ t/ Unf]an 6]08/ cGtu{t g} ;fdfg cfoft
ePsf] osLg x'g] ljj/0f eg] lng'kg]{ 5 .
!=*=# ;fj{hlgs vl/b P]g @)^# nfu' x'g] ;+3 ;:yf k|lti7fg cfbLn] Unf]jn 6]08/ cGt/ut
ef/tjf6 kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L k|lttkq dfkm{t cfoft ubf{ ef8f tyf
jLdf jfktsf] /sd kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug{ ;lsg] 5 .
!=( a}+s Uof/]06Lsf cfwf/df clu|d e'QmfgL k7fpg] ;DaGwdf .
!=(=! kl/jTo{ ljb]zL d'b|fdf -ef/tafx]s_ cGo d'n'sx?af6 ul/g] j:t' tyf ;]jf -lnh ;d]t_
cfoft ug]{ ;DaGwdf b]xfo adf]lhd ug{'kg]{5 .
-s_ cfoft ug]{ kmd{÷sDkgL÷lgsfon] b]xfo adf]lhdsf sfuhftx? k]z ug{' kg]{5
-!_ cfoftstf{ kmd{÷sDkgL÷lgsfosf] cBfjlws kmd{ btf{ k|df0fkq
-@_ cBfjlws cfos/ btf{ k|df0fkq .
-#_ cBfjlws s/ r'Qmf k|df0fkq
-$_ s/f/kq (Contract Paper) jf ;Demf}tfkq (Agreement Paper) /
lgof{tstf{sf] n]6/x]8 ;lxtsf] k|f]kmdf{ OGEjfO; .
-v_ k|f]kmdf{ OGEjfO;, s/f/kq (Contract Paper) jf ;Demf}tfkq (Agreement Paper) df
lgDg Joxf]/f v'n]sf] x'g'kg]{ 5 M
-!_ ;fdfgsf] gfd, a|f08 / df]8]n gDa/ eP ;f] ;d]t .
-@_ ;fdfg pTkfbg ug]{ d'n'ssf] gfd .
-#_ OsfO{, d"No, kl/df0f / hDdf d"No .
-$_ ;]jf cfoft ul/g] ePdf cfoft ;DaGwL ;Dk"0f{ ljj/0f s/f/kq (Contract
Paper) jf ;Demf}tfkq (Agreement Paper) df v'nfOPsf] x'g'kg]{ .
32
-u_ e'QmfgL k7fpFbf ckgfpg' kg]{ k|lqmof M s'g} kmd{÷sDkgL÷lgsfon] j:t' tyf ;]jf
-lnh ;d]t_ cfoft ubf{ b]xfo adf]lhdsf] k|lqmof ckgfO{ clu|d e'QmfgL k7fpg
;Sg]5g\ M
-!_ ljb]zL a}+ssf] a}+s Uof/]06Lsf cfwf/df cf+lzs jf k"/} /sd clu|d e'QmfgL
k7fpg ;lsg]5 .
-@_ j:t' cfoft ubf{sf] xsdf l6=l6=dfkm{t cfoft ug{ tf]lsPsf] ;LdfeGbf
a9L /sdsf]] cfoft ug]{ ePdf ljb]zL a}+ssf] a}+s Uof/]06L cfjZos
kg]{5 .
-#_ g]kfnL jfo';]jf sDkgLx?n] xjfO{ hxfhsf OlGhg jf kf6{k"hf{ h:tf
;fdfg cfoft ubf{ ;DalGwt lgodgsf/L lgsfo -g]kfn gful/s p88\og
k|flws/0f_ sf] l;kmfl/; ;d]tsf sfuhftsf cfwf/df k|rlnt Joj:yf
cGt/ut /xL cd]l/sL 8n/ ! nfv;Ddsf] clu|d e'QmfgL a}+s tyf ljQLo
;:yf :jodn] k7fpg ;Sg]5g\ . t/ o; k|of]hgsf] nflu ljb]zL a}+ssf]
j}s Uof/]06L cfjZos kg]{ 5}g .
-$_ ;]jf cfoft ubf{sf] xsdf cd]l/sL 8n/ !),))).– -bz xhf/ dfq_ jf ;f]
a/fa/sf] kl/jTo{ ljb]zL d'b|f eGbf a9L /sdsf] ljb]zL d'b|f clu|d e'QmfgL
ug'{ kg]{ ePdf ljb]zL a}+ssf] a}+s Uof/]06L cfjZos kg]{5 .
-%_ cd]l/sL 8n/ !),))).– eGbf a9L /sdsf] ;]jf cfoft ubf{ lgofds
lgsfosf] l;kmfl/; lng'kg]{5 .
-^_ pQm a}+s Uof/]06L sf/f]jf/ ;DkGg eO{ ;Sg] ;donfO{ vfDg] u/L agfOPsf]
x'g'kg]{ 5 .
-&_ ;dodf dfn;fdfg cfoft tyf ;]jf vl/b eP gePsf] ;DaGwdf a}+s
:jod\n] cg'udg ug{'kg]{5 . ljb]zL a}+saf6 hf/L u/]sf] a}+s Uof/]06L
sf/f]jf/ ;DkGg x'g] ;doeGbf Go'gtd ! dlxgfeGbf a9L cjwLsf] Dofb
ePsf] x'g'kg]{5 . pQm cjwLleq dfn;fdfg cfoft tyf ;]jf vl/b cfoft
gePdf a}+s Uof/]06L hkmt u/L & lbgleq ;f]sf] ljj/0f o; ljefudf k]z
ug{'kg]{5 .
!=!) ljb]zL gful/ssf] -t];|f] d'n's tyf ef/tsf_ kfl/>ldssf] ;6xL Joj:yf ;DaGwdf M
!=!)=! s'g} kmd{, sDkgL tyf ;+:yfdf sfo{/t t];|f] d'n'ssf ljb]zL gful/sx?n] /f]huf/bftf;Fu
u/]sf] s/f/df plNnlvt tna eQf tyf cGo ;'ljwf afktsf] /sddf k|rlnt sfg"g
adf]lhd s/ s§L kZrft x'g cfpg] /sdsf] a9Ldf &% -krxQ/_ k|ltzt;Dd kl/jTo{
ljb]zL d'b|fdf b]xfosf sfuhftsf cfwf/df ;DalGwt d'n'sdf k7fpg ;lsg] 5 .
-s_ cfjZos sfuhftx? M
-!_ ;DalGwt JolQmsf] lgj]bg
-@_ /f]huf/bftf kmd{, sDkgL tyf ;+:yfsf] l;kmfl/;kq
-#_ g]kfn ;/sf/, >d ljefusf] >d :jLs[lt kq
-$_ sd{rf/L kl/rokq / lgo'lQmkq÷;Demf}tfkq
-%_ kfl/>lds s/ lt/]sf] k|df0f jf ef}r/sf] k|ltlnlk
-^_ k|j]zf1f -le;f_ jxfn ;DaGwL k|df0f
-v_ ;~rosf]if, cjsf; sf]if / pkbfg afktsf] /sdsf] xsdf lgodfg';f/ nfUg] s/
s§f u/L kfpg] k"/} /sd k7fpg ;lsg]5 .
33
-u_ o:tf] /sd a9Ldf dfl;s cd]l/sL 8n/ # xhf/sf b/n] jflif{s cd]l/sL 8n/ #^
xhf/;Dd e'StfgL ug{ ;lsg]5 .
!=!)=@ s'g} kmd{, sDkgL tyf ;+:yfdf sfo{/t ef/tLo gful/sx?n] /f]huf/bftf;Fu u/]sf] s/f/df
plNnlvt tna eQf tyf cGo ;'ljwf afktsf] /sddf k|rlnt sfg"g adf]lhd s/ s§L
kZrft x'g cfpg] /sdsf] a9Ldf &% -krxQ/_ k|ltzt ;Dd ef/tLo d'b|fdf b]xfosf
sfuhftsf cfwf/df k7fpg ;lsg] 5 .
-s_ cfjZos sfuhftx? M
-!_ ;DalGwt JolQmsf] lgj]bg
-@_ /f]huf/bftf kmd{, sDkgL tyf ;+:yfsf] l;kmfl/;kq
-#_ sd{rf/L kl/rokq / lgo'lQmkq÷;Demf}tfkq
-$_ kfl/>lds s/ lt/]sf] k|df0f jf ef}r/sf] k|ltlnlk
-v_ ;~rosf]if, cjsf; sf]if / pkbfg afktsf] /sdsf] xsdf lgodfg';f/ nfUg] s/
s§f u/L kfpg] k"/} /sd k7fpg ;lsg]5 .
!=!! ef/taf6 j:t' tyf ;]jf cfoft ubf{ k|bfg ul/g] ;6xL ;'ljwf tyf ef/tLo ¿k}ofFsf] v/Lb÷ljqmL
sf/f]jf/ ;DaGwL Joj:yf M
g]kfn ef/t aLr x'g] j:t' tyf ;]jf cfoft / ef/tLo ¿k}ofF v/Lb÷ljqmL sf/f]jf/ ;DaGwdf g]kfn
/fi6« a}+s, a}lsË sfof{no nufot ;a} sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf
a}+s tyf ljQLo ;+:yf / dlgr]Gh/x¿nfO{ ;d]t nfu' x'g] u/L b]xfo adf]lhdsf] Joj:yf ul/Psf]
5 .
!=!!=! g]kfn / ef/taLr x'g] Jofkfl/s sf/f]jf/sf] nflu ;6xL Joj:yf M
-s_ dfn;fdfg cfoftsf] e'QmfgLsf nflu k|rlnt Joj:yf cGtu{t /xL k|tLtkq,
8«fkm\6 jf l6=l6= sf] dfWodaf6 ef/tLo ¿k}+ofFsf] ;6xL k|bfg ;lsg]5 o;/L ;6xL
k|bfg ubf{ o;};fy ;+nUg gd"gf adf]lhdsf] lj=lj=lg=kmf=g+=$ -u_ hf/L ug'{ kg]{5 .
-v_ e'QmfgLsf :ki6 zt{x¿ pNn]v ePsf] k|f]–kmdf{ OGEjfO; jf cGo sfuhftsf]
cfwf/df clu|d tyf cf+lzs ¿kdf ;d]t o:tf] ;6xL ;'ljwf k|bfg ug{ ;lsg] 5 .
o;/L cf+lzs ¿kdf ;6xL ;'ljwf k|bfg u/]sf] cj:yfdf k"/} /sdsf] ;6xL k|bfg
ul/;s] kl5 jf cfoftstf{n] ;6xL ;'ljwf lnPsf] /sd dfqsf] dfn;fdfg cfoft
x'g] Joxf]/f pNn]v u/L lgj]bg lbPsf] cj:yfdf ;6xL ldlt / /sd ;d]t pNn]v
u/L ;6xL k|bfg ePsf] k"/} /sdsf] lj=lj=lg= kmf=g+=$ -u_ hf/L ug'{ kg]{5 . clu|d
e'QmfgL /sdaf6 k6s] 9'jfgL (Partial Shipment) sf] dfWodaf6 cfoft x'g] ePdf
;DalGwt cfoftstf{sf] lgj]bg adf]lhd k6s] 9'jfgL x'g] /sd;Ddsf]
lj=lj=lg=kmf=g+ $ -u_ ;d]t hf/L ug{ ;lsg]5 .
-u_ cf+lzs ¿kdf ;6xL k|bfg u/]sf] cj:yfdf ;6xL k|bfg ubf{ lnPsf] sfuhftdf
plNnlvt cjlwleq k"/} ;6xL ;'ljwf lnO{ lj=lj=lg= kmf=g+=$ -u_ hf/L u/fpg
gcfpg] jf ;6xL lnPsf] /sd km5\of}{6 gu/fpg] cfoftstf{sf] gfd 7]ufgf, ;6xL
lnPsf] ldlt / /sd ;lxtsf] ljj/0f o; ljefunfO{ caLnDa ¿kdf pknJw
u/fpg' kg]{5 .
-3_ cfoft u/]sf dfn;fdfg lgoldt k|s[of cg'¿k eG;f/ hfFrkf; ePkl5 ;DalGwt
eG;f/ sfof{noaf6 lj=lj=lg= kmf=g+=$-u_ df k|dfl0ft u/L ;f] k|dfl0ft kmf/fdsf] !
34
k|lt ;DalGwt a}+snfO{ g} lkmtf{ ug'{ kg]{5 . k|dfl0ft ePsf] o:tf] kmf/fd ;DalGwt
cfoftstf{ dfk{mt klg a}+sdf lkmtf{ ug{ ;lsg]5 .
-ª_ cfoft u/]sf dfn;fdfg lgoldt k|lqmof cg'¿k eG;f/ 5'6fO{ nlu;s]kl5
;DalGwt eG;f/ sfof{noaf6 pko{'Qm lj=lj=lg=kmf=g+=$-u_ df b/kL7 u/L ;f]xL
kmf/fddf pNn]v u/] cg'¿k ug'{ kg]{5 .
-r_ qm]l86 ;'ljwf cGtu{t jf pwf/f]df cfoft eO{ ;s]sf dfn;fdfgsf] xsdf
lj=lj=lg= kmf=g+=$ -u_ hf/L ug'{ kg]{ 5}g . t/, To:tf] cfoftsf] e'QmfgL ubf{
sfuhft cg'¿ksf dfn;fdfg cfoft eO{ ;s]sf] / kl5 e'QmfgL ug'{ kg]{ Joxf]/f
k|dfl0ft x'g] b]xfosf sfuhftx¿sf] cfwf/df 8«fkm\6÷l6=l6=sf] dfWodaf6 ;DalGwt
lgof{tstf{sf] gfddf e'QmfgL x'g] u/L ;6xL lbg ;lsg]5 M
-!_ e'StfgLsf] zt{ pNn]v ePsf] jf pwf/f] ljqmL u/]sf] k'li6 x'g] q]ml86 aLn
aLhs
-@_ ;fdfg 9'jfgL ePsf] k'li6 x'g] 9'jfgL ;DaGwL sfuhft
-#_ cfoft ePsf] k'li6 x'g] eG;f/ k|1fkgkq
-$_ /fh:j lt/]sf] /;Lb
-%_ () lbgkl5 e'StfgL x'g] ePdf ;DalGwt kIfn] aLn aLhs g+= / /sd
;d]t pNn]v u/L e'StfgL bflj u/]sf] kq
o;/L ;6xL k|bfg u/]kl5 k|1fkgkq / /fh:j lt/]sf] /;Lb nufotsf ;Ssn
sfuhftx¿df ;6xL k|bfg u/]sf] Joxf]/f b/kL7 u/L a}+s÷ljQLo ;+:yfsf] 5fk
nufO{ ;f] sfuhftsf k|ltlnlkx¿ ;'/lIft /fVg' kg]{5 .
-5_ ef/taf6 k|tLtkq cGt/ut dfn;fdfg cfoft ubf{ kl/kq ;+Vof ! sf] bkmf !=!
df ePsf] Joj:yf kfngf x'g]u/L k|lttkq ;DaGwL sf/f]jf/ ug{'kg]{5 . t/, To:tf]
cfoftdf eG;f/ w/f}6L lng eg] clgjfo{ x'g] 5}g .
-h_ t];|f] d'n's tyf ef/taf6 dfn;fdfg cfoft ug]{ qmddf lSnol/Ë, kmjf{l8Ë, 9'jfgL,
ef8f e/f}6 cflbsf] nflu e'QmfgL ug'{ kg]{ kIfsf] cflwsfl/s lgj]bg ;fy b]xfosf
sfuhftsf cfwf/df ;6xL ;'ljwf k|bfg ug{ ;lsg] 5 M
-!_ cfoftstf{ cfk}mn] To:tf] vr{sf] e'QmfgL gug]{ ePdf Ph]G6nfO{ sfd
;'lDkPsf] Joxf]/f v'Ng] sfuhft
-@_ sfuf]{, lSnol/Ë÷kmjf{l8Ë Ph]G;Laf6 ;DalGwt kIfsf] gfddf hf/L ePsf]
/sd / k|of]hg v'n]sf] aLn aLhs
-#_ 9'jfgL ;DaGwL sfuhft -la=Pn=, Pr=la=Pn, sG;fOGd]06 gf]6, Pn=cf/=,
cf/=cf/, l;=6L=8L, cflb_ sf] k|ltlnlk
-$_ lgof{tstf{n] cfoftstf{sf] gfddf hf/L u/]sf] cfoft x'g] dfn;fdfgsf] d"No
/ d"No cfwf/ tyf :yfg -CIF, FOB cflb_ v'n]sf] k|f]kmdf{ jf sdl;{on
OGEjfO; jf cGo sfuhft
-%_ cfoftstf{ cfk}mFn] e'QmfgL ug]{ ePdf cfoft ePsf] k'li6 x'g] eG;f/
k|1fkgkq / /fh:j lt/]sf] /;Lbsf] k|ltnlk
-^_ dfn;fdfg cfoftsf] nflu hf/L ePsf] k|tLtkq jf 8«fk\m6 l6=l6= sf]
k|ltlnlk / q]ml86 ;'ljwfdf cfoft x'g] ePdf ;f] Joxf]/f v'Ng] sfuhft jf
cfoftstf{sf] :j3f]if0ff
35
-em_ t];|f] d'n'sdf ;fdfg lgof{t ubf{ 9'jfgL÷lSnol/Ë÷kmjf{l8{Ë cflbsf] nflu ;DalGwt
kIfsf] cflwsfl/s lgj]bg ;fy b]xfosf sfuhft lnO{ ;6xL ;'ljwf k|bfg ug{
;lsg] 5 M
-!_ Ph]G6 dfk{mt ug]{ ePdf ;DalGwt Ph]G6nfO{ sfd ;'lDkPsf] Joxf]/f v'Ng]
sfuhft
-@_ Ph]G;Laf6 ;DalGwt kIfsf] gfddf hf/L ePsf] aLn aLhs jf cGo
sfuhft
-#_ ;fdfg lgsf;L ePsf] k|dfl0ft x'g] eG;f/ k|1fkgkq / /fh:j lt/]sf] /;Lb
-$_ 9'jfgL ;DaGwL sfuhftsf] k|ltlnlk
-%_ lgof{tstf{n] hf/L u/]sf] lgof{t x'g] dfn;fdfgsf] d"No cfwf/ tyf :yfg
CIF, FOB cflb_ v'n]sf] k|f]kmdf{ jf sdl;{on OGEjfO; jf cGo sfuhftsf]
k|ltlnlk
-`_ ef/tLo kqklqsfsf] e'QmfgL k7fpFbf kqklqsf k7fpg] sDkgLsf] aLhssf]
cfwf/df PsfpG6k]oL 8«fkm\6÷l6=l6=÷d]n 6«fG;km/ cflbsf] dfWodaf6 e'QmfgL x'g]
u/L k|df0f /fvL ;6xL lbg ;lsg]5 .
-6_ o; kl/kqdf :ki6 pNn]v ePsf ;]jf ;'ljwf afx]s cGo ;]jf ;'ljwf pkof]u u/]
afktsf] e'QmfgL k7fpg' k/]df o; ljefuaf6 :jLs[lt lng' kg]{5 .
-7_ g]kfnL gful/s tyf g]kfndf ljlwjt btf{ ePsf kmd{, sDkgL, ;+3 ;+:yfn]
ef/tl:yt lgof]u, ;+3, ;+:yf, sDkgL;Fu lng] ljleGg ;]jf z'Ns e'QmfgLsf] nflu
ef/tLo ¿k}ofF ! nfv;Ddsf] ;6xL ;'ljwf k|bfg ug{ ;lsg]5 . o:tf] ;6xL ;'ljwf
k|bfg ubf{ ;6xL /sdnfO{ k'li6 ug]{ aLn÷aLhs jf cGo sfuhft / ;6xL dfu
ug]{ JolQm eP lghsf] gful/stfsf] k|df0fkqsf] k|ltlnlk / kmd{, sDkgL, ;+3 ;+:yf
cflb ePdf ljlwjt btf{ ePsf cWofjlws k|df0fkqx¿sf] k|ltlnlksf ;fy}
lgodfg';f/ s/ nfUg] ePdf s/ bflvnf u/]sf] k|df0f lng'kg]{ 5 .
-8_ dfyL v08 -7_ sf] cj:yf afx]s g]kfndf ljlwjt btf{ eO{ sf/f]jf/ ug{ :jLs[lt
k|fKt u/]sf g]kfnL tyf ljb]zL ;+3÷;+:yf÷sDkgL cflbn] ef/tl:yt ;+3÷;+:yf÷
sDkgL;Fu ljljw ;]jf ;'ljwf lng] ;Demf}tf÷;xdlt adf]lhd e'QmfgL ug'{ kg]{
/sdsf] nflu ;DalGwt lgofds lgsfoaf6 ;Demf}tf÷;xdlt :jLs[t jf ;6xL
l;kmfl/; ePsf] cfwf/df lgodfg';f/ nfUg] clu|d s/ -TDS_ bflvnf u/]sf] lg:;f
/ ;6xL /sd k'li6 x'g] sfuhftx?sf] k|ltlnlk lnO{ jfl0fHo a}+sx?af6 ef/tLo
?k}ofF #) nfv ;Ddsf] ;6xL ;'ljwf k|bfg ug{ ;lsg]5 . lgofds lgsfo gePsf]
/ lgofds lgsfoaf6 ;Demf}tf :jLs[t jf l;kmfl/; x'g g;s]sf] cj:yfdf ;f]eGbf
sd /sddf ;d]t -dfyL v08 -7_ sf] cj:yf afx]s_ o; ljefusf] :jLs[ltsf]
cfwf/df dfq ;6xL ;'ljwf k|bfg ug'{kg]{5 .
-9_ dfn;fdfg cfoft÷lgof{t ubf{ lSnol/Ë, kmjf{l8Ë, 9'jfgL cflbsf] nflu clu|d
e'QmfgL ug'{ k/]df o:tf] e'QmfgL cfjZos kg]{ k|dfl0ft x'g] sfuhft / e'QmfgL ug'{
kg]{ kIfn] cfjZos sfuhft kl5 k]z ug]{ k|lta4tf ;lxt lbPsf] cflwsfl/s
lgj]bgsf] cfwf/df ;6xL k|bfg ug{ ;lsg]5 . o:tf] clu|d e'QmfgL uPsf] ;6xLsf]
clen]v /fvL ;6xL lnPsf] /sd k'li6 x'g] u/L dfly v08 -h_ / -em_ adf]lhdsf
cfjZos sfuhft ;dod} k]z gug]{sf] ljj/0f dfl;s ¿kdf o; ljefudf k7fpg'
kg]{5 .
36
-0f_ ;fdfg cfoft jf lgof{tsf] l;nl;nfdf kf]6{ cyf]l/6L jf ;f] ;DaGwL sfo{ ug]{
lgsfodf ltg'{ kg]{ 8]d/]h (Demurrage) z'Nssf] nflu ;DalGwt cfoft÷lgof{tsf]
nflu hf/L ePsf] 9'jfgL ;DaGwL sfuhftsf] k|ltlnlk / ;f] 9'jfgL sfuhftsf]
gDa/ ;d]t pNn]v eO{ ;DalGwt lgsfoaf6 hf/L ePsf] aLn aLhssf] cfwf/df
;6xL k|bfg ug{ ;lsg]5 .
-t_ g]kfnsf cfoftstf{x¿n] ef/tsf ljleGg :yfgaf6 ef/tLo 6«fG;kf]6{÷sDkgL
dfk{mt dfn ;fdfg 9'jfgL u/fpFbf nfUg] 9'jfgL vr{sf] nflu ;DalGwt
cfoftstf{sf] lgj]bg ;fy 9'jfgL ;DaGwL sfuhftsf] k|ltlnlk, aLn÷aLhs cflb
lnO{ 9'jfgL afktsf] x'g] /sd pknJw eP;Dd gubd} klg lbg ;lsg] 5 . k"/}
/sd gubdf ;6xL k|bfg geO{ cf+lzs ¿kdf s]xL /sd gubdf ;6xL k|bfg
u/]sf] cj:yfdf afF+sL /sd cGo dfWodaf6 ;6xL k|bfg ug'{ kbf{ gub ;6xL k|bfg
ug]{ a}+s ljQLo ;+:yfn] g} ;6xL k|bfg ug'{kg]{ 5 . o;/L u/]sf] e'QmfgLsf] ;6xL
;'[ljwf k|bfg ug]{ a}+s, ljQLo ;+:yfn] gub ;6xL k|bfg u/]kl5 ;f] Joxf]/f k'li6 x'g]
u/L 9'jfgL ;DaGwL sfuhft / aLn, aLhssf] ;Ssn k|ltd} b/kL7 u/L 5fk
nufpg] / ;f] b/kL7 ePsf] sfuhftsf] k|ltlnlk /fVg'kg]{ 5 .
-y_ ef/tdf shf{ lng] k|of]hg afx]s Jofkfl/s sf/f]jf/sf] nflu cfjZos kg]{ ;a}
lsl;dsf a}+s Uof/]06L -k/km/d]G; j08, lj8 j08, P8efG; k]d]G6 Uof/]06L cflb_
a}+s, ljQLo ;+:yf cfk}mn] hf/L ug{ ;Sg]5g\ . t/, JolQmut lgj]bs / JolQmut
j]lglkml;o/L x'g] ePdf s'g} klg lsl;dsf] a}+s Uof/]06L hf/L ug{ kfOg] 5}g .
-b_ cfoftLt dfn;fdfg ef/tsf] ljleGg :yfgl:yt j]o/ xfp;÷uf]bfddf /fVbf ul/g]
aLdf / ef/tLo laq]mtfn] ljqmL ePsf] ;fdfgsf] jf/]G6L :j¿k lglZrt cjlwsf]
nflu ul/lbg] ;x'lnot b/sf] aLdf u/] afktsf] /sd ;DalGwt laq]mtf;F+u ePsf]
;Demf}tf jf ;f]sf] cfwf/df hf/L ePsf] aLn aLhs / ladf sDkgLn] hf/L u/]sf]
aLdf kf]ln;Lsf] k|ltlnlk tyf aLn aLhssf] cfwf/df ul/g] e'QmfgLsf] nflu
cfjZos ;6xL k|bfg ug{ ;lsg] 5 .
-w_ ef/taf6 g]kfndf ;fdfg 9'jfgL ug]{ tyf g]kfnaf6 t];|f] d'n's÷ef/tdf lgof{t
ug]{ qmddf ef/tLo 6«fG;kf]6{ sDkgLx?nfO{ gubdf g} ef=?= ltg'{ kg]{ cj:yf cfO{
k/]df ef=?= &%,))).– -krxQ/ xhf/ dfq_ ;Dd 6«fG;kf]6{ sDkgLx?åf/f hf/L
ul/Psf] 6«s l/l;6 tyf ;Ssn k|1fkgkqdf ;6xL lbPsf] /sd b/kL7 u/L o;
a}+saf6 ;d]t gubdf ;6xL ;'ljwf pknJw u/fpg ;lsg] 5 .
-g_ g]kfnsf kmnfd ;DaGwL sfd ug]{ pBf]ux?n] ef/tLo :kft lgud -Steel corporation_
af6 kl/jTo{ ljb]zL d'b|fdf sRrf kbfy{ cfoft ubf{ ;f] lgudn] ef/tLo /]nj]
dfkm{t 9'jfgL u/L k7fOlbPdf ;DalGwt aLn aLhssf] cfwf/df 9'jfgL afktsf]
/sd pQm lgudnfO{ e'StfgL k7fpg ;lsg]5 .
!=!!=@ g]kfn ;/sf/sf ljleGg lgsfo ;/sf/L tyf cw{;/sf/L ;+3 ;+:yf, g]kfnL ;+3 ;+:yf
sDkgL, s'6gLlts lgof]u / /fli6«o tyf cGt/f{li6«o u}/ ;/sf/L ;+3 ;+:yfnfO{ k|bfg ug]{
;]jf cfoft tyf cGo ;6xL Joj:yf M
-s_ ;/sf/L tyf cw{ ;/sf/L ;+:yfgx¿ h:t}M hgsk'/ r'/f]6 sf/vfgf, ;fN6 6«]l8+u
skf]{/]zg, g]zgn 6«]l8+u lnld6]8 cflbsf ;fdfgx¿sf] ef/tLo /]Nj]af6 ;fdfg
5'6fpg /]Nj]sf] rnfg x]/L ;f] df pNn]v ePsf] /sd a/fa/sf] ;6xL lbg
;lsg]5 . o;/L ;6xL lbOPsf]df ;6xL lbOPsf] ldltn] !% lbg leq /]Nj] l/l;K6sf]
k|dfl0ft k|lt k]z u/fpg' kg]{5 .
37
-v_ ef/tdf sfof{no vf]nL sfd ug{ sfg"gtM :jLs[lt k|fKt u/]sf g]kfnL sDkgLx¿sf]
sfof{no ;~rfngsf] nflu vr{sf] kmfF6jf/L k]z ug]{ zt{df # dlxgfsf] nflu
cfjZos x'g] /sd ;6xL k|bfg ug{ ;lsg]5 . o;/L k|bfg ePsf] ;6xL ;'ljwf
/sdsf] kmfF6jf/L k]z ePkl5 dfq yk ;6xL ;'ljwf k|bfg ug'{kg]{5 . o:tf]
kmfF6jf/L 5 dlxgf;Dd klg k]z gug]{ sDkgLsf] gfd, 7]ufgf, ;6xL pknJw
u/fPsf] ldlt / /sd ;d]tsf] ljj/0f ;do ;dfKt ePsf] & lbgleq o; ljefudf
k7fpg' kg]{5 .
-u_ s'6gLlts lgof]un] cfˆgf] ljb]zL d'b|fsf] ;|f]taf6 vr{ x'g] u/L lglZrt k|of]hg
tf]sL cflwsfl/s cg'/f]w u/]df ;6xL k|bfg ug{ ;lsg]5 .
-3_ /fli6«o tyf cGt/f{li6«o u}/ ;/sf/L ;+3 ;+:yfx¿n] ljleGg bft[ lgsfoaf6 ljb]zL
d'b|fdf k|fKt u/]sf ;xof]u /sddf ga9\g] u/L cfkm\gf sfo{qmd ;~rfng
nufotsf ljljw sfo{x¿sf] nflu ;6xL dfu u/]df lgofds lgsfo jf ;DalGwt
;/sf/L lgsfoaf6 sfo{qmd ;~rfng ug{ jf vr{ ug{ lbPsf] :jLs[lt, ljb]zL d'b|f
lelqPsf] k|df0f tyf To:tf sfo{sf] nflu hf/L ePsf ;Demf}tf÷;xdlt,
aLn÷aLhs h:tf :ki6 k|of]hg v'n]sf sfuhft / cflwsfl/s cg'/f]wsf] cfwf/df
;6xL ;'ljwf pknJw u/fpg ;lsg]5 . ljb]zL d'b|fsf] ;|f]t gePsf] cj:yfdf o:tf]
;6xL cfjZos k/]df ;DalGwt lgofds lgsfo jf ;/sf/L lgsfosf]
:jLs[lt÷l;kmfl/;sf] cfwf/df dfq pknAw u/fpg ;lsg]5 .
-ª_ g]kfn ;/sf/sf ljleGg lgsfo ;/sf/L tyf cw{ ;/sf/L ;+3 ;+:yfx¿ / ljlwjt
btf{ ePsf g]kfnL ;+3 ;+:yf sDkgLx¿n] cfkm\gf kbflwsf/L tyf sd{rf/Lx¿nfO{
ef/tdf tflnd, uf]i7L, ;ef, ;]ldgf/ cflbdf k7fpg cfjZos kg]{ /sdsf] nflu
cflwsfl/s kqsf] cfwf/df ;6xL k|bfg ug{ ;lsg]5 .
-r_ g]kfn ;/sf/, ;f] cGt/utsf ljleGg lgsfo, ;/sf/L tyf cw{;/sf/L ;+3
;+:yfx¿, o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿n] ljleGg k|of]hg
-h:t}M dfnj:t' tyf ;]jf cfoft, lnh jf lnh kr]{h, ;b:otf z'Ns, ;]jf
e'QmfgL, dd{t, lj1fkg, ;km\6j]o/ v/Lb tyf ;]jf, 5kfO{, 8]d/]h, sfg"gL ;]jf,
k/fdz{ ;]jf, k|fljlws nufotsf ;]jf z'Ns_ sf] nflu k|of]hg k'li6 x'g] cfjZos
sfuhft ;lxt ef/tLo ¿k}ofFsf] ;6xL ;'ljwf dfu u/]df lgodfg';f/ nfUg] clu|d
s/ -TDS_ bflvnf u/]sf] k|df0f jf bflvnf ug]{ lnlvt k|ltj4tfsf] cfwf/df
k|rlnt Joj:yf adf]lhd ef/tl:yt Beneficiary nfO{ e'QmfgL ug]{ k|of]hgsf] nflu
;6xL ;'ljwf k|bfg ug{ ;lsg]5 . o:tf] ;6xL ;'ljwf JolQm ljz]ifsf] gfddf
k7fpg' k/]df o; ljefusf] :jLs[lt clgjfo{ ¿kdf lnPsf] x'g'kg]{5 .
-5_ kl/jTo{ ljb]zL d'b|fsf] cfˆg} ;|f]t ePsf g]kfnL ;+3;+:yf, sDkgL, kmd{x¿n] cfˆg}
ljb]zL d'b|f vftf vr{ x'g] u/L ef/tLo ¿k}ofFsf] ;6xL dfu u/]df dfly v08 -r_
df plNnlvt k|of]hgsf nflu ;f]xL v08df plNnlvt k|lqmof k"/f u/L ;6xL ;'ljwf
k|bfg ug{ ;lsg]5 .
-h_ g]kfndf ljlwjt btf{ eO{ ljljw lsl;dsf Jofkf/ Joj;fo ug]{ Joj;foLx¿
-kmd{÷sDkgL÷;+:yf afx]s_ n] cfˆgf] Joj;foaf6 ePsf] gfkmf ef/t k7fpg
rfx]df ;DalGwt Joj;foLsf] cflwsfl/s lgj]bg ;fy b]xfosf sfuhftsf] lnO{
;6xL k|bfg ug{ ;lsg] 5 M
-!_ Jofkf/÷Joj;fo btf{ tyf sf/f]jf/ cg'dlt k|df0fkqsf] k|ltlnlk
-@_ Kofg÷Eof6 btf{ k|df0fkqsf] k|ltlnlk
38
-#_ ;DalGwt cfly{s jif{sf] s/ r'Qmf k|df0fkq
-$_ ;DalGwt Joj;foLsf] klxrfg v'Ng] k|df0fkqsf] k|ltlnlk
!=!!=# cGt/ a}+s tyf ljQLo ;+:yf ;DaGwL sf/f]jf/ Joj:yf M
-s_ a}+s÷ljQLo ;+:yfx¿ / o; a}+s aLr x'g] ef/tLo ¿k}+ofF vl/b ljqmL sf/f]jf/nfO{
;'rf¿ ¿kn] ;~rfng ug{ lgDgfg';f/sf] Joj:yf ul/Psf] 5 M–
-!_ Jofkfl/s tyf sf8{ sf/f]jf/sf] e'QmfgL lbgsf] lgldQ ef/tLo ?k}ofFsf]
df}Hbft sfod ug]{ k|of]hgsf nflu dfl;s sf/f]jf/sf] cfwf/df a}+s tyf
ljQLo ;+:yfx?nfO{ cf};tdf Ps xKtfnfO{ cfjZos x'g] ef/tLo ?k}ofFsf]
;6xL ;'ljwf o; a}+ssf] a}lsË sfof{noaf6 pknJw u/fOg] 5 . o;
k|of]hgsf] nflu a}+s tyf ljQLo ;+:yfx?n] o;} kl/kq;fy ;+nUg
lj=lj=lg=ef=?=kmf=g+=! adf]lhdsf] ljj/0f e/L cfj]bg lbg' kg]{5 .
-@_ ;DalGwt a}+s÷ljQLo ;+:yfx¿n] ef=¿= /sdfGt/ ug'{kbf{ Value Date eGbf
Ps sfo{ lbg (Working Day) cufl8 g} /sdfGt/sf] nflu o; a}+ssf] a}+lsË
sfof{ndf cfj]bg lbg' kg]{5 .
-#_ o;/L cg'/f]w k|fKt ePkl5 a}+lsË sfof{non] Value Date cufj} /sdfGt/sf]
Joj:yf ug'{ kg]{5 .
-$_ Value Date sf] lbg ;DalGwt a}+s÷ljQLo ;+:yfsf] vftfdf /sdfGt/ u/]sf]
/sd a/fa/sf] x'g] /sd a}+lsË sfof{non] k|rlnt lgodfg';f/ Debit ug'{ kg]{5 .
-%_ Value Date sf] lbg ;DalGwt a}+s÷ljQLo ;+:yfx¿sf] vftfdf kof{Kt
df}Hbft g/x]df Jofh ;lxt c;'n pk/ ug'{ kg]{5 .
-^_ a}+s÷ljQLo ;+:yfx¿n] o; a}+s;Fu ef/tLo ¿k}+ofF vl/b ubf{ ;fljsdf o;
a}+sn] lng] u/]sf] sld;g /sd lng' kg]{ 5}g . t/ k|lt !)) ef=¿=df –.!%
k};fsf b/n] a§f sld;g eg] lng' kg]{5 . o;/L lnPsf] sld;gsf] %)
k|ltzt /sd ;DalGwt a}+s÷ljQLo ;+:yfx¿nfO{ lkmtf{ ug'{ kg]{5 .
-v_ g]kfnsf a}+s÷ljQLo ;+:yfx¿n] ef/tLo a}+sx¿df Bank Deposit sf] ¿kdf
ef/tLo ¿k}ofF nufgL ug{ kfOg] 5}g .
-u_ a}+s÷ljQLo ;+:yfx¿n] rfx]df ef/tLo ¿k}ofFsf] cGt/ a}+s sf/f]jf/ / cGt/ a}+s
shf{ ;fk6L (Lending/Borrowing) sf/f]jf/ ug{ ;Sg]5g\ .
-3_ g]kfnL a}+s÷ljQLo ;+:yf pk/ lvlrPsf r]sx¿ ef/tLo a}+sx¿ dfkm{t ef/tLo
¿k}+ofFdf e'QmfgL x'g] u/L sn]S;gsf] nflu k]z x'g cfPsf] v08df ;6xL lbg kfOg]
5}g .
-ª_ gub ef=¿= lnO{ ;f]sf] ef=¿= 8«fkm\6 dfUg cfPdf To:tf] 8«fkm\6 hf/L ug{ kfOg]
5}g .
!=!!=$ ef/tdf l/Kofl6«ozg ug]{ Joj:yf M
-s_ g]kfndf sfo{ ug{ sfg"gtM :jLs[lt kfPsf ef/tLo aLdf sDkgLx¿n] vr{ eO{
afFsL /x]sf] /sd ef/t l/Kofl6«o;g ug{ rfx]df lj=lj=lg=ef=¿=kmf=g+=@ adf]lhdsf]
lgj]bg lnO{ ;6xL ;'ljwf k|bfg ug{ ;lsg]5 .
-v_ g]kfndf sfo{ ug]{ jLdf sDkgLx¿n] k'gjL{df afktsf] /sd ef/tdf e'QmfgL ug'{
kbf{ b]xfosf sfuhftsf cfwf/df ;6xL lbg' kg]{5 M
39
-!_ ;DalGwt a}+s tyf ljQLo ;+:yfsf] gfddf hf/L ePsf] jLdf ;ldltsf]
;Ssn} l;kmfl/; kq
-@_ jLdf ;ldltn] l;kmfl/; u/]sf] /sdnfO{ k'li6 ug]{ ;DalGwt k'gjL{df
sDkgLx¿sf] 8]lj6÷q]ml86 gf]6, OGEjfO; h:tf sfuhft
-#_ e'QmfgL ug'{kg]{ /sdsf] Gross /sddf k|rlnt Joj:yf cg';f/ clu|d
cfos/ (TDS) bflvnf u/]sf] lg:;f
-u_ g]kfndf sfo{ ug{ ljlwjt :jLs[lt kfPsf ef/tLo Po/nfOG;sf] vr{ eO{ afFsL
/x]sf] /sd ef/tdf l/Kofl6«o;g ug{ rfx]df lj=lj=lg=ef=¿=kmf=g+=# adf]lhdsf]
lgj]bg lnO{ ;6xL ;'ljwf k|bfg ug{ ;lsg]5
-3_ ef/tLo k/Ljxg lgud, 6«fen, 6"/, 6]«lsË tyf a'lsË Ph]G;L;Fu ;Demf}tf÷;xsfo{
u/L oftfoftsf ljleGg ;fwg nufot ljljw e|d0fsf] nflu l6s6÷e|d0f Kofs]h
a'lsË ug{ ljlwjt :jLs[lt k|fKt u/]sf g]kfnL Ph]G;Lx¿n] plNnlvt k|of]hgsf]
nflu cflwsfl/s cg'/f]w u/L ;6xL dfu u/]df ;Demf}tf÷;xdlt / k|of]hg v'Ng]
sfuhft jf ljqmL÷a'lsË u/]sf] ljj/0f jf aLn÷aLhssf] cfwf/df ;DalGwt
kIfnfO{ e'QmfgL ug]{ k|of]hgsf] nflu ;6xL lbg ;lsg]5
!=!!=% ;j{;fwf/0f;Fu ef=¿=sf/f]jf/ ug]{ Joj:yf M
ef/tdf e|d0f, cWoog, cf}ifwf]krf/, tLy{ofqf cflb nufot Jojxfl/s k|of]hgsf nflu
gub÷8«fkm\6÷l6=l6÷d]=6«f=ljljw lsl;dsf sf8{ cflbsf] dfWodaf6 ;6xL k|bfg ubf{
;DalGwt JolQm;Fu ;+nUg lj=lj=lg= ef=¿=kmf=g+=^ sf] gd"gf adf]lhdsf] lgj]bgsf]
cfwf/df lgDgfg';f/ ;6xL k|bfg ug{ ;lsg]5 .
-s_ gub ef=¿= ;6xL dfu ePdf ef=¿=@%,)))÷– -ef=¿=kRrL; xhf/ dfq_ df
ga9fO{ lgj]bgsf] cfwf/df pknJw eP;Dd gub} klg lbg ;lsg]5 . a}+s÷ljQLo
;+:yfx¿n] o:tf] ;6xL lb+bf ;se/ gubsf] ;6[f plNnlvt cGo dfWodaf6 ;6xL
lbg k|f]T;fxg ug'{ kg]{5 . t/, cf}ifwf]krf/sf] xsdf g]kfndf dfGotf k|fKt /lhi68{
8fS6/x?af6 l;kmfl/; ePsf] sfuhftx?sf] cfwf/df cfjZostf / cf}lrTotf x]/L
clwstd ef=?=%),))).– -ef=?=krf; dfq_ ;Dd gubdf g} ;6xL ;'ljwf k|bfg
ug{ ;lsg] 5 .
-v_ ef=¿=@%,)))÷– eGbf a9L /sdsf] ;6xL dfu ePdf 8«fkm\6÷l6=l6÷d]=6«f=, q]ml86,
8]lj6 jf lk|k]8 sf8{ cflbsf] dfWodåf/f ;6xL lbg ;lsg]5 . t/, o;/L ef=¿=
;6xL lbFbf s] sfdsf] nflu ;f] /sd cfjZos ePsf] xf] k|df0f v'Ng] sfuhft
;lxt Joxf]/f v'n]sf] cfj]bg lng' kg]{5 .
-u_ o; bkmf adf]lhd ;6xL ;'ljwf k|bfg ubf{ Ps JolQmsf] gfddf Pp6f dfq ;6xL
;'ljwf k|bfg ug'{ kg]{5 . kl5 k|df0f k]z ug]{ zt{df ;6xL k|bfg u/]sf] cj:yfdf
klxn] k|bfg ePsf] ;6xL ;'ljwfsf] k|dfl0ft sfuhft k|fKt eP kl5 dfq csf]{
;6xL ;'ljwf k|bfg ug{' kg]{5 .
-3_ dfly v08 -v_ df pNn]v ul/Psf] k|dfl0ft sfuhftsf] ¿kdf e|d0f tLy{ofqf
cflbsf] nflu hf/L ePsf] l6s6 a'lsË jf ;f] ;DaGwL a|f];/ jf cGo sfuhftsf]
k|ltlnlk lng' kg]{5 . cWoogsf] xsdf ;f]sf nflu ;DalGwt z}lIfs ;+:yfaf6 hf/L
ePsf] kq jf a|f];/ jf cWoog k|of]hg k'li6 x'g] sfuhft / lzIf0f z'Nsdf
k|rlnt lgodfg';f/sf] s/ bflvnf u/]sf] lg:;f lnO{ To:tf] z'Ns ;DalGwt lzIf0f
;:yfsf] gfddf tyf lgjf{x vr{ ;DalGwt lzIf0f ;+:yfn] l;kmfl/; u/] adf]lhd
ljBfyL{sf] gfddf a}+ls+u pks/0f dfkm{t ;6xL pknAw u/fpg' kg]{5 .
40
cf}ifwf]krf/sf] nflu lrlsT;sn] u/]sf] l;kmfl/;, pkrf/ u/fpg] ;+:yfdf lnPsf]
Appointment jf ;f] c:ktfnaf6 pknAw u/fPsf] cg'dflgt nfut / pkrf/
k|of]hg k|i6 x'g] cGo sfuhft k|df0fsf] ¿kdf lnO{ ;DalGwt c:ktfnsf] gfddf
a}+lsu+ pks/0f dfkm{t ;6xL lbg ;lsg]5 . ;fy}, ;6xL dfu ug]{ kIfn] sfuhft
pknAw u/fpg ;S5 eGg]df a}+s ljQLo ;+:yf ljZj:t ePdf aLn ekf{O{
nufotsf cfjZos sfuhft lglZrt cjwLleq pknAw u/fpg] zt{df ;d]t
;6xL pknAw u/fpg ;Sg]5 . ef/tdf cWoog, pkrf/df hfg] JolQm :jod\
pkl:yt x'g g;Sg] cj:yfdf To:tf JolQmx¿sf] nflu rflxg] ;6xL lghsf]
glhssf] gft]bf/, ;+/Ifs jf s'¿jfsf] gfddf ;d]t lbg ;lsg]5 .
-ª_ o; bkmfdf cGoq h];'s} s'/f n]lvPsf] ePtfklg q]ml86 sf8{, 8]la6 sf8{, lk|k]8
sf8{, P=l6=Pd= sf8{, cflbsf dfWodaf6 ;6xL k|bfg ubf{ b]xfo adf]lhd ug'{ kg]{5 M
-!_ dfly plNnlvt s'g} klg lsl;dsf sf8{x¿ ;DalGwt JolQmsf] cfˆgf] a}+sdf
/x]sf] vftfaf6} vr{ x'g] u/L dfq hf/L ug'{ kg]{ 5 .
-@_ a}+s, ljQLo ;+:yfn] cf–cfk\mgf cfGtl/s Joj:yf cg'¿k sf8{ hf/L ubf{
b]xfosf zt{x¿ clgjfo{ /fVg' kg]{ 5 .
-c_ tf]lsPsf] ;Ldf / Joj:yf adf]lhd dfq ef=¿= vr{ ug{ kfOg]
-cf_ k'FhLut sf/f]jf/sf] nflu vr{ ug{ gkfOg]
-O_ dfn;fdfg vl/b tyf ;]jf pkof]u afkt KjfO06 ckm ;]n dfk{mt vr{
ePsf] /sdsf] aLn aLhs nufot cfjZos ljj/0f dfu ug{ ;lsg] /
o;/L dfu ePsf sfuhft nufotsf ljj/0f sf8{ xf]N8/n] ;DalGwt
a}+snfO{ pknJw u/fpg' kg]{
-O{_ tf]lsPsf] ;Ldf zt{ / Joj:yfsf] k|lts'n x'g] u/L vr{ ul/Psf] kfOPdf
hf/L ePsf] sf8{af6 sf/f]jf/ ug{ h'g;'s} avt /f]s nufpg ;lsg] /
o:tf] sf/f]jf/ ug]{x¿sf] ljj/0f g]kfn /fi6« a}+sdf pknJw u/fO{
cfjZos sf/jfxL ;d]t ug{ ;lsg]
-p_ ef=?= ;6xLsf] nflu hf/L x'g] sf8{ / sld;g /sdsf] lx;fa ldnfg
kl/jTo{ ljb]zL d'b|fdf ug{ kfOg] 5}g .
-#_ lgoldt¿kdf k|To]s dxLgf ef=¿=! nfv lemSg] JolQmx¿ klxrfg u/L
vr{sf] cf}lrTo k'li6 gePdf jf z+sf:kb b]lvPdf To:tf JolQmsf] vftf tyf
sf8{af6 x'g;Sg] sf/f]jf/ /f]Ssf u/L o; ljefunfO{ hfgsf/L u/fpg' kg]{5 .
-$_ Ps lbgdf a9Ldf ef=¿=!% xhf/ / k|lt dlxgf ef=¿=! nfv ;Dd dfq gub
lemSg ;lsg] 5 .
-%_ o; bkmf adf]lhd lgwf{l/t sfuhftsf] cfwf/df pknAw u/fOg] yk ;6xL
;'ljwfsf] /sd ;d]t sf8{sf] ;Ldfdf yk ug{ ;lsg] 5 .
-r_ Ohfhtkqk|fKt ;a} lgsfox¿n] gub ef/tLo ?k}ofF vl/b laqmL sf/f]jf/ ubf{
O=k|f=kl/kq ;+Vof @& sf] bkmf @ df ePsf] Joj:yf cg';f/ ef/tLo ?k}Fof ;6xL
/;Lb Indian Currency Purchase Receipt (ICPR) tyf laqmL ubf{ Indian Currency
Sales Receipt (ICSR) hf/L ug{'kg]{5 . ;fy}, pQm kl/kqdf ePsf cGo
Joj:yfx?sf] ;d]t kfngf ug{'kg]{5 .
41
!=!!=^ ef=¿=%)), !))) / @))) b/sf gf]6 ;fydf /fVg, cf];f/ k;f/ ug{ / v/Lb÷ljqmL
Pjd\ ;6xLdf aGb]h ;DaGwdf M
-s_ -!_ ef/t ;/sf/ tyf ef/tLo l/ha{ a}+sn] ( gf]e]Da/ @)!^ ;Dd rngrlNtdf
/x]sf ef=?=%)) / !))) b/sf gf]6x? rngrNtLaf6 x6fPsf] x'Fbf To:tf
ef=?=%)) / !))) b/sf gf]6 / gofF @))) b/sf gf]6 ;fydf /fVg, cf];f/
k;f/ ug{ / vl/b ljqmL tyf ;6xL ug{ kfOg] 5}g .
-@_ g]kfnL gful/sn] ef/tLo ?k}ofF ef/t afx]s cGo d'n'sdf n}hfg jf cGo
d'n'saf6 g]kfn Nofpg kfOg] 5}g .
-v_ g]kfnL / ef/tLo gful/sx¿;Fu afx]s cGo d'n'ssf gful/s;Fu a}+s÷ljQLo ;+:yf
nufot Ohfhtkqk|fKt cGo lgsfox¿n] ef/tLo ¿k}ofFsf] gf]6, 8«fkm\6 cflbsf]
vl/b tyf l6=l6=sf] e'QmfgL / ef/tLo ¿k}ofFsf] qm]l86 sf8{ cGtu{t s'g} sf/f]jf/
ug{ kfOg] 5}g .
-u_ ef/tl:yt jLdf sDkgLsf] jLdf kf]ln;L vl/b ug]{ tyf ;f]sf] lk|ldod e'QmfgL ug]{,
ef/tLo sDkgLn] hf/L u/]sf] z]o/df nufgL ug]{, ef/tdf 3/hUuf v/Lb ug]{
h:tf k'FhLut k|s[ltsf sf/f]jf/ k|of]hgsf] nflu ;6xL ;'ljwf k|bfg ug{ kfOg] 5}g
.
-3_ ef/tl:yt a}+s tyf ljQLo ;+:yf Pjd\ a}lsË sfo{ ug]{ ;xsf/L ;+:yfsf] gfddf
s'g} k|sf/sf] vftf vf]Ng jf To:t} k|of]hgsf nflu e'QmfgL ug{ ;6xL ;'ljwf k|bfg
ug{ kfOg] 5}g .
-ª_ o; a}+saf6 :jLs[lt k|bfg ePsf] cj:yfdf afx]s C0fsf] ;fFjf Jofh, d'gfkmf,
nfef+z cflb e'QmfgL ug]{ k|of]hgsf] nflu ;6xL ;'ljwf k|bfg ug{ kfOg] 5}g .
-r_ k|rlnt sfg"gn] lgif]w u/]sf sfo{df vr{ x'g] u/L ;6xL ;'ljwf k|bfg ug{ kfOg]
5}g .
!=!!=& ef/tdf Nostro vftf ;DaGwL Joj:yf M–
-s_ o; a}+ssf lhNnfl:yt sfof{nox¿n] ;LdfjtL{ ef/tLo If]qdf cjl:yt ef/tLo
jfl0fHo a}+sx¿df Nostro vftf vf]Ng] / oL sfof{nox¿n] a}+s tyf ljQLo ;+:yf
Pjd\ dlgr]~h/nfO{ pknJw u/fpg] ef/tLo ¿k}ofF Nostro vftf vr{ x'g] u/L
r]s÷6«fG;km/ cflbsf] dfWodaf6 pknJw u/fpg] tyf ;j{;fwf/0fnfO{ pknJw
u/fpg] ;6xL ;'ljwf ;d]t ;s];Dd r]ssf] dfWodaf6 pknJw u/fO{ ef/tLo
¿k}ofFsf] gub sf/f]jf/nfO{ sd ub}{ n}hfg' kg]{ 5 .
-v_ ;LdfjtL{ If]qdf /x]sf a}+ssf sfof{nox¿n] klg ;f] If]qdf /x]sf ef/tLo jfl0fHo
a}+sx¿df To:tf] Nostro vftf vf]nL cf-cfkm\gf u|fxs tyf ;j{;fwf/0fnfO{ ljBdfg
Joj:yf cg';f/ pknJw u/fpg] ;6xL ;'ljwf ;f]xL vftf vr{ x'g] u/L pknJw
u/fpg] Joj:yf ldnfO{ ef/tLo ¿k}ofFsf] gub sf/f]jf/nfO{ sd ub}{ n}hfg' kg]{ 5 .
-u_ ef/tLo ;LdfjtL{ If]qdf Nostro vftf vf]Ng a}+s tyf ljQLo ;+:yf Pjd\
dlgr]~h/x¿nfO{ cfjZos kg]{ l;kmfl/; b]xfosf zt{ /fvL o; a}+saf6 pknJw
u/fO{ Nostro vftf vf]Ng lbg ;lsg] 5 .
-!_ pQm vftfdf o; a}+sn] r]s÷6«fG;km/ cflbsf dfWodaf6 pknJw u/fPsf]
/sd dfq hDdf ug{ kfOg] 5 .
42
-@_ ljBdfg Joj:yf cg';f/ ;j{;fwf/0fnfO{ pknJw u/fpg] ef/tLo ¿k}ofF
;6xL ;'ljwf ;f]xL vftf vr{ x'g] u/L ;s];Dd r]ssf] dfWodaf6 pknJw
u/fpg' kg]{5 .
-#_ pQm vftfsf] a}+s :6]6d]06 dfl;s ¿kdf o; a}+sdf k]z ug'{ kg]{5 .
-$_ gub NofpFbfsf] 9'jfgL, ;'/Iff, aLdf cflbsf] Joj:yf cfk}mn] ug'{ kg]{5 .
-3_ a}+s, ljQLo ;+:yf tyf dlgr]~h/x¿nfO{ Nostro vftf vf]Ng cfjZos kg]{
l;kmfl/; o; a}+ssf] s]Gb|Lo sfof{no nufot lhNnfl:yt sfof{noaf6 pknAw
u/fOg] 5 .
!=!!=* sfuhft ;'/lIft /fVg' kg]{ M
o; kl/kq adf]lhd Jofkfl/s sf/f]jf/ Pjd\ ;6xL ;'ljwf k|bfg ubf{ lnOPsf k|dfl0ft
sfuhftx¿ o; a}+saf6 lg/LIf0f x'Fbf tyf k|rlnt sfg"g adf]lhd hfFra'em ug]{
clwsf/Laf6 hfFra'em x'Fbfsf avt b]vfpg ;Sg] u/L ;'/lIft /fVg' kg]{5 .
!=!!=( ef=?= sf/f]jf/sf] lj=lj=lg= kmf/fd k]z ug]{ Joj:yf M
-s_ o; a}+ssf pkTosf aflx/l:yt sfof{nox¿n] cfˆgf] sfof{no / cfˆgf] sfo{If]q
cGtu{tsf dlgr]~h/ dfk{mt ePsf] sf/f]jf/ ljj/0f PsLs[t u/L o; a}+ssf] a}+lsË
sfof{nonfO{ pknJw u/fpg' kg]{5 .
-v_ o; a}+ssf] a}lsË sfof{non] pkTosf aflx/l:yt sfof{nox¿n] pknJw u/fPsf]
tYof+s PsLs[t u/L o; ljefunfO{ pknJw u/fpg' kg]{ 5 .
u_ a}+s tyf ljQLo ;+:yfx¿n] cfkm\gf ;Dk"0f{ sfof{nox¿n] u/]sf ;Dk"0f{ ef/tLo
¿k}ofF ;DaGwL sf/f]jf/sf] dfl;s ljj/0f PsLs[t u/L o; ljefunfO{ k|To]s
dlxgf ;dfKt ePsf] !% lbg leq lj=lj=lg=ef=¿=kmf=g+=$ / % adf]lhd pknJw
u/fpg' kg]{5 .
-3_ o; a}+ssf] zf]wgfGt/ dxfzfvfsf] k|of]hgsf] nflu pknJw u/fpg] u/]sf]
tYof+sx¿ oyfjt ¿kd} pknJw u/fpg' kg]{5 .
!=!!=!) ef/taf6 lnPsf] ;]jfsf] ;6xL :jLs[lt k|bfg ubf{ g]kfn ;/sf/nfO{ e'StfgL ug{'kg]{
clu|d cfos/ (TDS), /fhZj nufotsf /sd o; a}+sn] k|sfzg u/]sf] ef/tLo ?k}ofFsf]
ljqmLb/sf] cfwf/df u0fgf u/L bflvnf ug{'kg]{5 .
!=!@ 8«fˆ6 l6=l6=, DAP, DAA / k|lttkq, nufotsf dfWodaf6 dfn;fdfg cfoft ubf{ To:tf]
sf/f]jf/df sf/f]jf/sf] e'StfgLsf] dfWod -Mode of Payment_ ;f]xL cg'?k s'g} Pp6f dfq x'g'kg]{5 .
pk/f]Qmfg';f/ clu|d e'StfgL k7fpFbf s'g} Pp6f pks/0f 5gf}6 ug{'kg]{5 .
43
cg';"rL !=!
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=! sf] -v_ sf] k|of]hgsf nflu_
lj=lj=lg=kmf=g+= #
l;=g+= ldlt M
========================== a}+s
=========================zfvf .
ljifoM k|tLtkq vf]n]sf] ljj/0f .
>L Jo:yfksHo"
s[kof lgDg ljj/0f adf]lhdsf] cfoft k|tLtkq ======================= ljqm]tf÷pTkfbgstf{ kmd{sf] gfddf -s_
vf]nL lbg'x'g -v_ ;+zf]wg -u_ /2 ul/lbg' x'g cg'/f]w ub{5' .
!= vf]lng] k|tLtkq ;DaGwL ljj/0f M
-s_ k|tLtkq vf]lng] s'n ljb]zL d'b|f /sd M
-v_ ;fdfg rnfg x'g] b]z M
-u_ ;fdfg cfoft x'g] eG;f/ k|j]z ljGb' M
@= ;fdfgsf] ljj/0f
cfoft ul/g] ;fdfgsf] gfd xfdf]{lgs sf]8 g+= kl/df0f d"No -lj=d'=/sd_
==========================
lgj]bssf] b:tvt
;+zf]wg tyf /2sf] xsdf M
!= k|tLtkq gDa/ kmd{sf] gfd M
@= ;+zf]wg ug'{kg]{ j'Fbfx¿ 7]Uffgf M
-s_ cfos/ btf{ gDa/
-v_
++++++++++++++++;DalGwt a}+sn] eg'{kg]{ ljj/0f
!= cfoft k|tLtkq gDa/ @= vf]n]sf] ldlt -O=;+=df_
#= axfnL ldlt $= k|tLtkq vf]n]sf] /sd -lj=d'=df_
%= e'QmfgLsf] ;|f]t M -s_ a}+ssf] df}Hbftaf6
-v_ cfoftstf{sf] ljb]zL d'b|f vftfaf6
^= ljlgdo b/ M &= P8efOlhË a}+ssf] gfd M
*= k|tLtkqsf] e'QmfgL Joj:yf M -s_ ;fO6 -v_ o";fG; -slt cjlwsf]_
pko{'Qm ljj/0f adf]lhd lgodfg';f/ cfoft k|tLtkq -s_ vf]n]sf] -v_ ;+zf]wg -u_ /2 u/]sf] Joxf]/f
k|dfl0ft ub{5' .
clVtof/ k|fKt clwsf/Lsf] b:tvt
a}+ssf] 5fk M
44
cg';"rL !=@
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=$ sf] -s_ sf] k|of]hgsf nflu_
lj=lj=lg=kmf=g+=$
==========================
=========================zfvf
l;=g+= ldlt M
==========================
==========================.
ljifoM k}7f/Lsf] e'QmfgL k|df0fkq .
dxfzo,
lgDg ljj/0f adf]lhdsf ;fdfgsf] k}7f/Lsf] nflu d]zz{ >L============================= n] o; a}+saf6
lgDgfg';f/ -s_ e'QmfgL u/L -v_ qm]l86 ;'ljwf -o';fG; k|tLtkq_ cGtu{t sfuhft 5'6fpg' ePsf] Joxf]/f k|dfl0ft
ub{5' .
!= cfoft k|tLtkq÷l8=P=kL÷l8=P=P= gDa/ @= k|tLtkq vf]n]sf]÷ l8=P=kL÷l8=P=P=k|fKt ePsf] lj=d'=/sd
#= e'QmfgL ul/Psf] lj=d'=/sd $= e'QmfgL ul/Psf] ldlt
%= qm]l86 ;'ljwf cGtu{tsf] lj=d'=/sd ^= ljlgdo b/
&= e'QmfgLsf] ;|f]t M -s_ a}+ssf] df}Hbftaf6 -v_ cfoftstf{sf] lj=d'= vftfaf6
*= ;fdfgsf] ljj/0f M
e'QmfgL ul/Psf] ;fdfgsf] ljj/0f xfdf]{lgs sf]8 g+= kl/df0f e'QmfgL /sd -lj=d'=_
clVtof/ k|fKt clwsf/Lsf] b:tvt
5fk M
b|i6JoM
l8=P=lk=eGgfn] Documents Against Payment nfO{ hgfpF5 .
l8=P=P= eGgfn] Document Against Acceptance eGg] hgfpF5 .
eG;f/ k|of]hgsf] nflu
dfly plNnlvt ljj/0f cg';f/sf] d"No ljb]zL d'b|f =================================== sf] hDdf
======================================== kl/df0fsf] =========================================================== ;fdfgx¿ ldlt
============================ sf] eG;f/ /;Lb g+= =============== af6 o; eG;f/ sfof{noaf6 5'6fO nu]sf] k|dfl0ft ub{5f}F+ .
eG;f/ clws[tsf] b:tvt
eG;f/ clws[tsf] gfd M
5fk
gf]6 M -s_ klxnf] @ k|lt eG;f/ k|of]hgsf] nflu -eG;f/ sfof{noaf6 k|dfl0ft ul/;s]kl5 ! k|lt ;DalGwt
a}+sdf g} a'emfpg' kg]{ _ .
-v_ t];|f] k|lt g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefu, afn'jf6f/df k7fpg' kg]{ .
-u_ rf}yf] k|lt ;DalGwt a}+sdf clen]v /fVg' kg]{ .
45
cg';"rL !=#
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=$ -v_ sf] -&_ sf] k|of]hgsf nflu_
lj=lj=lg=kmf=g+=$-3_
ldlt M
=======================
===================== zfvf
qm]l86 ;'ljwf -Usance k|tLtkq_ cGt/ut e'QmfgL u/]sf] k|df0fkq
>L g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu
afn'jf6f/, sf7df8f}+ .
dxfzo,
tn plNnlvt cfoftstf{n] qm]l86 ;'ljwf -Usance k|tLtkq_ cGt/ut vf]n]sf] k|tLtkqaf6
ldlt ============================ df 5'6fPsf] Document sf] e'QmfgL lgDg adf]lhd ePsf] Aoxf]/f k|dfl0ft
ub{5' .
!= cfoftstf{sf] gfd M
@= k|tLtkq g+= M
#= k|tLtkq vf]Nbfsf] ldlt M
$= k|tLtkq vf]Nbfsf] /sd M
%= e'QmfgL ul/Psf] lj=d'= /sd M
^= e'QmfgL ldlt M
&= ljlgdo b/ M
===========================================
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
46
cg';"rL !=$
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=!@ sf] -5_ sf] k|of]hgsf nflu_
kl/jTo{ ljb]zL d'b|fdf ;fdfg cfoft ug]{ u/L vf]lnPsf k|tLtkqx?sf] ;fKtflxs ljj/0f
ljj/0f cfoft x'g] j:t'
l;=g+= Pn=;L=g+ vf]n]sf]
ldlt
k|tLtkq
sf] Dofb
cfoft
stf{sf] gfd
j]lglkml;o/L
sf] gfd gfd kl/df0f d"No
pTkfbg
ePsf] b]z
rnfg
ePsf] b]z s'g} ;+zf]wg eP
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
47
cg';"rL !=%
-O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=@ sf] -3_ sf] k|of]hgsf] nflu_
lj=lj=lg=kmf=g+= #-v_
ldlt M
========================== a}+s
=========================zfvf .
ljifoM gub÷8«fk\m6÷l6=l6= ;6xL ;'ljwf .
>L Joj:yfksHo",
o; kmd{÷sDkgLnfO{ lgDg ;fdfg tftf]kfgL eG;f/ ljGb'dfkm{t rLgsf] :jzfl;t If]q
ltAataf6 cfoft ug'{kg]{ ePsf] / ;f]sf] e'QmfgL gub÷8«fk\m6÷l6=l6=sf] dfWodaf6 ug'{kg]{ ePsf] x'Fbf s[kof
lgDgfg';f/ gub ljb]zL d'b|f÷8«fk\m6÷l6=l6= ;6xL ;'ljwf pknJw u/fO{ lbg'x'g cg'/f]w ub{5' . pko{'Qm ;6xL
cg';f/sf] j:t' cfoft u/L ;f]sf] lg:;f () lbgleq k]z ug]{5' .
!= j:t'sf] gfd M
@= kl/df0f M
#= ljb]zL d'b|f /sd M
$= e'QmfgL kfpg] kmd{÷sDkgLsf] gfd 7]ufgf M
-8«fk\m6÷l6=l6=sf] xsdf dfq nfu' x'g]_
lgj]bs,
cflwsfl/s b:tvt
-cfoftstf{ kmd{÷sDkgLsf] gfd / 5fk_
gf]6M cfoft ul/g] ;Dk"0f{ j:t'x?sf] gfd, a|f08, kl/df0f, OsfO d"No s'n d"Noaf/] lj:t[t / 5'§f5'§} ljj/0f
clgjfo{ ?kn] pNn]v ePsf] x'g'kg]{5 .
48
cg';"rL !=^
-O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=@ sf] -3_ sf] k|of]hgsf] nflu_
lj=lj=lg=kmf=g+=$ -v_
=== === === === === a}+s
=== === === === == zfvf
ldlt M
g]kfn ;/sf/
tftf]kfgL eG;f/ sfof{no
tftf]kfgL .
ljifo M– gub÷8«fkm\6÷l6=l6= ;6xL ;'ljwf .
lgDg ljj/0f adf]lhdsf] ;fdfgsf] k}7f/Lsf] nflu d]zz{ >L === === === === nfO{ o; a}+s÷ljQLo
;+:yfaf6 lgDgfg';f/sf] ljb]zL d'b|f gub÷ 8«fkm\6÷l6=l6= k|bfg ul/Psf] Joxf]/f k|dfl0ft ul/Psf] 5 .
s|=;+= cfoft ul/g] ;fdfgsf] ljj/0f xf/df]lgs sf]8 gDj/ kl/df0f ;6xL lnPsf] s'n lj=d'=
/sd
ejbLo,
ljj/0f tof/ ug]{sf] b:tvt clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
5fk
gf]6M cfoft ul/g] ;Dk"0f{ j:t'x?sf] gfd, a|f08, kl/df0f, OsfO d"No, s'n d"Noaf/] lj:t[t / k|dfl0ft ljj/0f
clgjfo{ ?kn] pNn]v ug'{kg]{5 . o; k[i7df gc6fPsf] v08df k5fl8sf] k[i7 k|of]u ug'{kg]{5 .
-------------------------------------------------------------------------------------------------------------------
eG;f/ k|of]hgsf] nflu
dfly pNn]lvt ljj/0f cg';f/sf] d"No ljb]zL d'b|f= ================ sf] hDdf ================== kl/df0fsf]
================== ;fdfgx¿ ldlt ===================== sf] eG;f/ /;Lb g+= ================= af6 o; eG;f/
sfof{noaf6 5'6fO{ nu]sf] k|dfl0ft ub{5f}F+ .
eG;f/ clws[tsf] b:tvt / 5fk
-------------------------------------- gf]6M -s_ klxnf] @ k|lt eG;f/ k|of]hgsf] nflu -eG;f/ sfof{noaf6 k|dfl0ft ul/;s]kl5 ! k|lt ;DalGwt a}+s÷ljQLo
;+:yfdf g} a'emfpg'kg]{
-v_ t];|f] k|lt ;DalGwt a}+s÷ljQLo ;+:yfdf clen]v /fVg'kg]{ .
49
cg';"rL !=&
-O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=% sf] k|of]hgsf] nflu_
>L g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
afn'jf6f/, sf7df8f} .
ljifoM– ljj/0f k7fPsf] .
dxfzo,
To; ljefusf] O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=% sf]] Joj:yf cGt/ut tftf]kfgL eG;f/ gfsf
dfkm{t ltAataf6 cfoft ug{sf] nflu k|bfg ul/Psf] gub ljb]zL d'b|f ;6xL / a}+s 8«fk\m6÷l6=l6=sf] ljj/0f
lgDgfg';f/ ePsf] Joxf]/f cg'/f]w 5 .
-cd]l/sL 8n/df_
cjlw gub ljb]zL d'b|f 8«fk\m6÷l6=l6= hDdf
b]lv ;Dd lgj]bs ;+Vof /sd lgj]bs ;+Vof /sd lgj]bs ;+Vof /sd
ejbLo,
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
50
cg';"rL !=*
-O=k|f= kl/kq ;+Vof–! sf] bkmf !=&=!# sf] k|of]hgsf] nflu_
lj=lj=lg=kmf=g+=# -s_
ldlt M
=== === === === ===
=== === === === == zfvf .
ljifo M– 8«fkm\6÷l6=l6= ;6xL ;'ljwf .
>L d}g]h/Ho",
o; kmd{÷sDkgLnfO{ lgDg ;fdfg cfoft ug'{kg]{ ePsf] / ;f] sf] e'QmfgL k|tLtkqsf] dfWodaf6
geO{sg 8«fkm\6÷l6=l6= sf] dfWodaf6 ug'{kg]{ x'Fbf s[kof lgDg ljj/0f adf]lhdsf] ljqm]tf÷
pTkfbgstf{÷kmd{÷sDkgLsf] gfddf lgDgfg';f/ ljb]zL d'b|f ;6xL ;'ljwf pknAw u/fO{ lbg'x'g cg'/f]w ub{5'
. pko{'Qm ;6xL cg';f/sf] j:t' cfoft u/L ;f] sf] lg:;f Pjd\ o;sf] nflu k|fKt Airwaybill/Shipment/
Transport Document sf] k|ltlnlk () -gJj_] lbgleq k]z ug]{5' . pko{'Qm dfnj:t' cfoft u/L g;s]sf]
Joxf]/f ;d]t cg'/f]w ub{5' . ;fy}, ;f] Applicant åf/f cGo a}+s dfkm{t ;f]xL Beneficiary nfO{ kl5Nnf] ;ft
sfo{lbgleq 8«fˆ6÷l6=l6 af6 /sd gk7fPsf] / ;f]xL Beneficiary af6 8«fˆ6÷l6=l6 cGtu{tsf] dfn;fdfg
Shipment x'g afFsL g/x]sf] :j3f]if0ff ub{5' .
!= j:t'sf] gfd M
@= kl/df0f M
#= lj=d'= /sd M
$= e'QmfgL kfpg] laqm]tf÷pTkfbgstf{÷kmd{÷sDkgLsf] gfd 7]ufgf M
%= k|tLtkq -LC_ vf]Ng g;Sg'sf] sf/0f M
lgj]bs,
cflwsfl/s b:tvt =========================
-cfoftstf{ kmd{÷sDkgLsf] gfd / 5fk_
51
cg';"rL !=(
-O=k|f= kl/kq ;+Vof–! sf] bkmf !=&=!# sf] k|of]hgsf] nflu_
lj=lj=lg=kmf=g+=$ -s_
=== === === === ===
=== === === === == zfvf
ldlt M
g]kfn ;/sf/
========================= eG;f/sfof{no
======================================= .
ljifo M– 8«fkm\6÷l6=l6= ;6xL ;'ljwf .
lgDg ljj/0f adf]lhdsf] ;fdfgsf] k}7f/Lsf] nflu >L === === === === nfO{ o; a}+s÷ljQLo ;+:yfaf6
lgDgfg';f/sf] ljb]zL d'b|fsf] 8«fkm\6÷l6=l6= k|bfg ul/Psf] Joxf]/f k|dfl0ft ul/Psf] 5 . ;fy}, cfoftstf{n]
pQm j:t' Po/j]÷l;kd]06÷6«fG;kf]6{ aLn hf/L u/fO{ 9'jfgL ug]{ Joxf]/f klg cg'/f]w 5 . o; ;DaGwL k|f]kmdf{
OGEjfO;sf] k|ltlnlk o;};fy ;+nUg 5 . ;fy} dfly pNn]lvt 8«fkm\6÷l6=l6= sf] ldlt eGbf cufl8 g} g]kfn
lelq;s]sf] dfnj:t'x¿sf] cfoftsf] nflu of] kmf/fd k|of]u ug{ gldNg] Joxf]/f klg cg'/f]w 5 .
l;=g+= cfoft ul/g] ;fdfgsf] ljj/0f xfdf]{lgs sf]8
gDa/ kl/df0f ;6xL lnPsf] s'n lj=d'= /sd
ejbLo,
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
ljj/0f tof/ ug]{sf] b:tvt
--------------------------------------------------------------------------------------------------------------------
eG;f/ k|of]hgsf] nflu
dfly pNn]lvt ljj/0f cg';f/sf] d"No lj=d'= ================ sf] hDdf ================== kl/df0fsf]
==================== ;fdfgx¿ ldlt ===================== sf] eG;f/ /;Lb g+= ================= af6 o; eG;f/
sfof{noaf6 5'6fO{ nu]sf] k|dfl0ft ub{5fF}+ .
------------------------------
--
eG;f/ clws[tsf] b:tvt / 5fk
gf]6M -s_ klxnf] @ k|lt eG;f/ k|of]hgsf] nflu -eG;f/ sfof{noaf6 k|dfl0ft ul/;s]kl5 ! k|lt ;DalGwt
a}+s÷ljQLo ;+:yfdf g} a'emfpg'kg]{_
52
-v_ t];|f] k|lt ;DalGwt a}+s÷ljQLo ;+:yfdf clen]v /fVg'kg]{ .
cg';"rL !=!)
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=! -s_ sf] k|of]hgsf nflu_
lj=lj=lg=kmf=g+=$ -u_
a}+s÷ljQLo ;+:yfsf] gfd
====================7]ufgf
ldlt M
g]kfn ;/sf/
=================eG;f/ sfof{no
=======================================.
ljifo M– k|tLtkq, 8«fkm\6, l6=l6=, ;6xL ;'ljwf -ef=¿=_ .
dxfzo,
lgDg ljj/0f adf]lhdsf] ;fdfgsf] k}7f/Lsf] nflu d];;{============================ nfO{ o; a}+s÷ljQLo
;+:yfaf6 lgDgfg';f/sf] ef=¿= k|tLtkq, 8«fkm\6, l6=l6=gDa/========af6 k|bfg ul/Psf] Joxf]/f k|dfl0ft ul/Psf]
5 .
l;=g+= cfoft ul/g] ;fdfgsf] ljj/0f xfdf]{lgs sf]8
gDa/ kl/df0f ;6xL lnPsf] s'n ef=¿= /sd
ejbLo,
ljj/0f tof/ ug]{sf] b:tvtM
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
gf]6 M– cfoft ul/g] ;Dk"0f{ j:t'x¿sf] gfd, a|f08, kl/df0f, OsfO d"No, s'n d"Noaf/] lj:t[t / k|dfl0ft
ljj/0f clgjfo{ ¿kn] pNn]v ug'{ kg]{5 . o; k[i7df gc6fPsf] v08df k5fl8sf] k[i7 k|of]u ug'{ kg]{5 .
eG;f/ k|of]hgsf] nflu
dfly pNn]lvt ljj/0f cg';f/sf] d"No ef=¿= ============================== sf] hDdf======================== kl/df0fsf]
========================= ;fdfgx¿ ldlt =============================== sf] eG;f/ /;Lb g+= ================== af6 o;
eG;f/ sfof{noaf6 5'6fO{ nu]sf] k|dfl0ft ub{5f}FF .
eG;f/ clws[tsf] b:tvt / 5fk
gf]6 M -s_ klxnf] b'O{k|lt eG;f/ k|of]hgsf nflu -eG;f/ sfof{noaf6 k|dfl0ft u/L ;f]sf] Ps k|lt ;DalGwt
a}+s÷ljQLo ;+:yfd} lkmtf{ a'emfpg' kg]{_
-v_ t];|f] k|lt ;DalGwt a}+s÷ljQLo ;+:yfdf clen]v /fVg'kg]{ .
53
cg';"rL !=!!
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=# sf] -s_-!_ sf] k|of]hgsf nflu_
lj=lj=lg=ef=¿= kmf=g+=!
-a}+s÷ljQLo ;+:yfn] ef=¿=/sdfGt/sf] nflu cfj]bg ug]{ kmf/fd_
>L g]kfn /fi6« a}+s
a}+lsË sfof{no
yfkfynL, sf7df08f} .
ljifo M– ef=¿=v/Lb af/] .
dxfzo,
o; a}+s÷;+:yfsf] sf/f]jf/sf] nflu ef/tLo ¿k}ofFsf] df}Hbft ckof{Kt ePsf] x'Fbf lgDg adf]lhd
ef=¿= vl/b ug{ cg'/f]w ul/Psf] 5 .
!_ ut dlxgf -=============_ sf] dfl;s sf/f]jf/
dfl;s vl/b -ef=?=_ ===================
dfl;s ljqmL -ef=?=_ ===================
-Go"g÷jrt_ ==================
cfufdL xKtfsf] nflu cfjZos ef=?= ===================
@_ vl/b ul/g] ef=¿= sf] kl/df0f M
#_ Eofn' 8]6 M
$_ ef= ¿= hDdf ug'{kg]{ M
-s_ Ph]G;L a}+ssf] gfd M
-v_ 7]ufgf M
-u_ vftf gDa/ M
pko'{Qm adf]lhdsf] ef=¿= /sdfGt/ ul/lbg' x'gsf] ;fy} Eofn' 8]6 (Value Date) sf] lbg To;
sfof{nol:yt xfd|f] vftf -vftf g+= ===========================_ df cfjZos /sd vr{ n]Vg' x'g ;d]t cg'/f]w 5 .
;fy}, syd\sbflrt\ pQm vftfdf kof{Kt /sd g/x]sf] cj:yfdf k|rlnt Jofh b/af6 x'g cfpg] xhf{gf ltg{
xfd|f] dGh'/L /x]sf] Joxf]/f klg cg'/f]w 5 . ef=?= vl/b / ljqmLsf] dfl;s÷;fKtflxs ljj/0f lj=lj=lg=ef=?=
kmf=g+= $ / % o;};fy ;+nUg u/]sf 5f}F .
ejbLo,
===================
cflwsfl/s b:tvt
cflwsfl/s JolQmsf] gfd
kbM
a}+s÷ljQLo ;+:yfsf] 5fk
gf]6 M pQm ;fKtflxs /sdsf] cltl/Qm s'g} 7"nf] e'QmfgL lbg cfjZos k/]df ;f]sf] Joxf]/f vf]nL o;} kmf/fd
;lxt lgj]bg k]z ug'{ kg]{5 .
54
cg';"rL !=!@
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=$ sf] -s_ sf] k|of]hgsf nflu_
lj=lj=lg=ef=¿=kmf=g+=@
ef/tLo ladf sDkgLx¿n] l/Kofl6«P;gsf] nflu cg'/f]w ubf{ k]z ug'{ kg]{ kmf/fd
>L -a}+s÷ljQLo ;+:yfsf] gfd_
-7]ufgf_
dxfzo,
o; sDkgLsf] =======-;fn_========================dlxgf_ sf] cfDbfgL vr{sf] b]xfo adf]lhdsf] ljj/0f k]z
ul/Psf] 5 . g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] PsLs[t kl/kqsf] kl/kq ;+Vof ! sf] bkmf !=!!=$
adf]lhd ======= l:yt lk|lG;kn sDkgL÷d'Vo sfof{no================sf] gfddf l/Kofl6«P;g ug{ k|rlnt ljlgdo b/df
;6xL :jLs[lt pknJw u/fO{ lbg' x'g cg'/f]w ub{5f}F .
s|=;+= ljj/0f ?k}ofF s|=;+= ljj/0f ?k}ofF
1 =========== dlxgfdf bfjL e'QmfgL /sd 10 =======dlxgfsf] z'¿df afFsL l/he{ /sd
2 ======dlxgfsf] cGt;Dddf e'QmfgL ug{
afFsL bfjL /sd
11 ================ dlxgfsf] lk|ldod /sd
hDdf 12 ========= dlxgfsf] Jofh cfDbfgL /sd
3 ===== dlxgfsf] z'¿df bfjL afFsL /sd 13 ========== dlxgfsf] cGo cfDbfgL /sd
4 =========================dlxgfsf] v'b /sd 14 ======================== s'n df}Hbft /sd
5 ====================================== sld;g
6 ============================ Joj:yfkg vr{
7 ================================ cGo vr{x¿
8 =========== dlxgfsf] cGtdf afFsL l/he{
9 l/Kofl6«P;gsf] nflu pknJw afFsL
hDdf
pko'{Qm cjlwsf] ljj/0f 7Ls b'¿:t ePsf] k|dfl0ft ub{5f}FF . ;fy}, ;f] ljj/0f cg';f/ cGo a}+s÷ljQLo ;+:yfaf6
l/Kofl6«P;g ;'ljwf lnPsf] 5}g . e'mÝf 7xl/Pdf k|rlnt sfg"g÷lgod adf]lhd ;xg] a'emfpg] 5fF} .
ldltM cflwsfl/s b:tvtM
sDkgLsf] gfd
7]ufgfM
sDkgLsf] 5fkM
af]wfy{M
>L g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu
lg/LIf0f tyf cg'udg kmfF6
afn'jf6f/, sf7df08f} .
55
cg';"rL !=!#
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=$ sf] -u_ sf] k|of]hgsf nflu_
lj=lj=lg=ef=¿=kmf=g+=#
ef/tLo jfo';]jfx¿n] l/Kofl6«P;gsf] nflu cg'/f]w ubf{ k]z ug'{ kg]{ kmf/fd
>L -a}+s÷ljQLo ;+:yfsf] gfd_
-7]ufgf_
dxfzo,
o; sDkgLsf] =======-;fn_========================dlxgf_ sf] cfDbfgL vr{sf] b]xfo adf]lhdsf] ljj/0f k]z
ul/Psf] 5 . g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] PsLs[t kl/kqsf] O=k|f=kl/kq ;+Vof ! sf] bkmf
!=!!=$ adf]lhd ==== l:yt lk|lG;kn sDkgL÷d'Vo sfof{no================sf] gfddf l/Kofl6«P;g ug{ k|rlnt ljlgdo
b/df ;6xL :jLs[lt pknJw u/fO{ lbg' x'g cg'/f]w ub{5f}FF .
s|=;+= ljj/0f ?= ?=
1 ======= dlxgfsf] xjfO{ l6s6 ljqmL /sd ====================
2 ====== dlxgfsf] sfuf]{÷9'jfgL ljqmL
-s_ lgof{t /sd ====================
-v_ cfoft /sd ====================
3 cGo k|flKt ;+slnt /sd ====================
s'n ;+slnt /sd ====================
4 ======= dlxgfsf] e'QmfgL /sd ====================
5 ======= dlxgfsf] v'b /sd ====================
-s_ tnj eQf
cflb
====================
-v_ 3/ef8f ====================
-u_ s/÷b:t'/
cflb
====================
-3_ sld;g ====================
-ª_ Joj:yfkg
vr{
====================
-r_ cGo vr{x¿ ====================
6 ===================== dlxgfsf] cGtdf v'b afFsL /sd ====================
7 a}+s÷ljQLo ;+:yfl:yt vftfdf afFsL /sd ====================
8 vftfdf /fVg' kg]{ Go'gtd df}Hbft /sd ====================
9 l/Kofl6«P;g ug'{ kg]{ /sd ====================
pko{'Qm cjlwsf] ljj/0f 7Ls b'¿:t ePsf] k|dfl0ft ub{5f}FF . ;fy}, ;f] ljj/0f cg';f/ cGo a}+s÷ljQLo ;+:yfaf6
l/Kofl6«P;g ;'ljwf lnPsf] 5}g . e'mÝf 7xl/Pdf k|rlnt sfg"g÷lgod adf]lhd ;xg] a'emfpg] 5fF} .
ldltM cflwsfl/s b:tvt M
sDkgLsf] gfd
7]ufgf M
sDkgLsf] 5fk M
af]wfy{M
>L g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu
lg/LIf0f tyf cg'udg kmfF6
afn'jf6f/, sf7df08f} .
56
cg';"rL !=!$
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=% sf] k|of]hgsf nflu_
lj=lj=lg=ef=¿=kmf=g+=^
ldlt ==========================
>L =========================a}+s
===============================zfvf .
ljifoM ef/tLo ¿k}ofFsf] ;6xL pknJw u/fO{ kfpF .
pko'{Qm ;DaGwdf dnfO{ ==================================================k|of]hgsf nflu ef/tLo ¿k}ofF ==================
cfjZos k/]sf] x'Fbf lgodfg';f/ ;f]sf] ;6xL pknJw u/fO{ lbg' of] lgj]bg k]z u/]sf] 5' .
lgj]bs,
gfdM
7]ufgfM
kmf]g g+=M
gf]6M ef=¿=@%,))).– eGbf a9Lsf] ;6xL cfjZos k/]df ;DalGwt JolQmsf] gf=k|f=g+÷kl/rokqsf] k|ltlnlk
/ k|of]hg v'Ng] sfuhft clgjfo{ ¿kdf ;+nUg ug'{ kg]{5 .
a}+s ljQLo ;+:yfsf] k|of]hgsf] nflu M
;6xL lbOPsf] /sd =============================
;6xLsf] dfWodM gub÷8«fkm\6÷6L=6L÷sf8{ ÷cGo
;6xL lbg]sf] b:tvt M===============================
;6xL :jLs[t ug]{sf] b:tvt======================
gf]6 M -s_ klxnf] b'O{k|lt eG;f/ k|of]hgsf nflu -eG;f/ sfof{noaf6 k|dfl0ft u/L ;f]sf] Psk|lt ;DalGwt
a}+s÷ljQLo ;+:yfd} lkmtf{ a'emfpg'kg]{
-v_ t];|f] k|lt ;DalGwt a}+s÷ljQLo ;+:yfdf clen]v /fVg'kg]{ .
57
cg';"rL !=!%
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=( sf] -u_ sf] k|of]hgsf nflu_
lj=lj=lg=ef=¿= kmf=g+=$
-a}+s÷ljQLo ;+:yfsf] gfd_
-7]ufgf_
ldltM @)& ÷ ÷ b]lv ldltM @)& ÷ ÷ ;Dd
ef=¿= vl/bsf] ;fKtflxs÷dfl;s ljj/0f
ef=¿= xhf/df
b[Zo lgof{t afx]s ef=¿=
vl/b b[Zo lgof{taf6 ef=¿= vl/b
zLif{s
;]jf
e|d0f
lghL vr{
cGo
;fd
fg ljqmL
vfB
fGg
t]nxg
jg k}bfjf/
lhljt hgfj
/
h'6
sTyf / sR5
cn}FrL
cGo lgsf;
L
hDdf ef=¿=
vl/b
s}lkmo
t
gub
8«fk\m6÷l6=l6
=
k|tLtk
q
P=l6=P
d
cGo
gf]6M–
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
58
cg';"rL !=!^
-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=( sf] -u_ sf] k|of]hgsf nflu_
lj=lj=lg=ef=¿= kmf=g+=%
-a}+s÷ljQLo ;+:yfsf] gfd_
-7]ufgf_
ldltM @) ÷ ÷ b]lv ldltM @) ÷ ÷ ;Dd
ef=¿= ljqmLsf] ;fKtflxs÷dfl;s ljj/0f
ef=¿= xhf/df
cb[Zo e'QmfgLsf] nflu ef=¿= ljqmL b[Zo k}7f/Lsf] nflu ef=¿= ljqmL
zLif{s
lzIff
:jf:Yo
e|d0f
tLy
{ofq
f
lghL vr{
;]jf z'Ns
cGo
k'm6s/ cfo
ft
lSnol/Ë km/jfl8Ë
9'jfg
L tyf ef8
f e/f}6
k}7f/Ls
f] nflu clu
|d
e'QmfgL
cfO= lj=;
L= e'QmfgL
k|tLt
kq cGt/ut e'QmfgL
hDdf ef=¿= ljqmL
s}lkmo
t
gub
8«fk\m6÷l6
=l6=
k|tLtkq
P=l6=Pd=
cGo
gf]6M–
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
59
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)@÷@)&$
ACU sf/f]jf/ ;DaGwL Joj:yf .
o; a}+saf6 ACU sf/f]jf/ ;DaGwdf b]xfo adf]lhdsf] Joj:yf ePsf]n] ;f]xL adf]lhd ug{÷u/fpg ljb]zL
ljlgdo -lgoldt ug]{+ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}+lsË sfof{no
nufot ;a} sfof{nox? / Ohfhtkqk|fKt æsÆ ju{sf a}+sx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= g]kfn / ef/t aLr x'g] Jofkfl/s sf/f]jf/x¿ afx]s ACU sf cGo ;b:o /fi6«x? aLr x'g] cd]l/sL
8n/÷o'/f] kfFr ;o jf ;f] eGbf a9L /sdsf] sf/f]jf/ clgjfo{ ?kdf ACU af6 ug'{ kg]{5 . t/,
;f]eGbf sd /sdsf] sf/f]jf/ eg] a}+s cfkm}Fn] cGo dfWodaf6 ug{'kg]{5 . o;/L e'QmfgL k7fpbf
;DalGwt æsÆ ju{sf a}+sx?n] lgDgfg';f/ ug{'kg]{5 .
-s_ Pl;og lSnol/Ë o'lgog cGtu{tsf sf/f]jfx¿df k|of]u x'g] dlg6/L o'lg6sf] ljlgdo b/
cd]l/sL 8n/ tyf o'/f] ;Fu a/fa/ x'g] Joj:yf u/L o;nfO{ "ACU DOLLAR" tyf
æACU EUROÆ egL gfdfs/0f ul/Psf] 5 .
-v_ ACU sf/f]jf/sf nflu o'lgogsf ;b:o b]zx¿sf jfl0fHo a}+sx¿n] ACU DOLLAR tyf ACU EURO ACCOUNT vf]Ng'kg]{5 .
-u_ Pl;og lSnol/Ë o'lgog cGtu{t x'g] cfoft lgof{t sf/f]jf/sf] e'QmfgL -Settlement_
cd]l/sL 8n/ tyf o"/f]df dfq ug'{kg]{5 . o; cg';f/ ;f] sf/f]jf/sf] nflu o; a}+s /
;DalGwt a}+sx¿ aLr ul/g] sf/f]jf/ klg cd]l/sL 8n/ tyf o"/f]df dfq x'g]5 .
-3_ ACU ;b:o b]zx¿ aLr x'g] cfoft lgof{tsf] nflu vf]lng] k|tLtkq ACU DOLLAR tyf ACU EURO df dfq vf]Ng'kg]{5 .
-ª_ Pl;og lSnol/+u o'lgog ;DaGwL sf/f]jf/ ug]{ æsÆ ju{sf jfl0fHo a}+sx?n] o; ljefudf
/x]sf] SWIFT Address: NRBLNPKAFED df ;+nUg cg';'rL @=! cg';f/sf] MT 202 adf]lhdsf] SWIFT Message sf] dfWodaf6 kqfrf/ ug'{ kg]{5 .
-r_ æsÆ ju{sf a}+sx?n] o; ljeful:yt nufgL zfvfsf] Back Office sf] ACU Desk df
Value Date eGbf slDtdf b'O{ sfo{ lbg cufa} ;+nUg cg';"rL -s_ cg';f/sf] e'QmfgL
cg'/f]w kq (Payment Request Letter) k7fO{ ;f]sf] af]wfy{ kq j}+ls+u sfof{no, yfkfynLnfO{
k7fpg] . o; ljefusf] nufgL zfvfsf] Back Office sf] ACU Desk n] e'QmfgL ug'{kg]{
/sd / ;f] afkt nfUg] cGo sldzg -o; ljefun] ug]{ sf/f]jf/ lbgsf] ljlgdo b/sf]
cfwf/df_ æsÆ ju{sf a}+sx?sf] cd]l/sL 8n/sf] vftf vr{ ug{ a}ls+u sfof{nonfO{ kq
n]Vg]÷Swift Message k7fpg] / Value Date df e'QmfgL x'g] u/L e'QmfgL ug'{ kg]{ b]zsf]
s]Gb|Lo a}+s dfkm{t\ ;DalGwt b]zsf] jfl0fHo a}+ssf] cd]l/sL 8n/ vftfdf /sd hDdf
ug{ Payment Instruction k7fpg] .
-5_ æsÆ ju{sf a}+sx?af6 ACU sf/f]jf/ cGtu{tsf] e'QmfgLsf nflu cGo ACU ;b:o
/fi6«sf jfl0fHo a}+sdf /x]sf] cd]l/sL 8n/ vftfdf /sdfGt/ ug{ rfx]df ;d]t dfly
v08 -r_ df pNn]v eP cg';f/s} Joj:yf nfu' x'g] .
60
-h_ olb ;DalGwt æsÆ ju{sf a}+sx?sf] cd]l/sL 8n/sf] vftfdf e'QmfgL ug'{kg]{ /sdsf]
df}Hbft kof{Kt geO{ ;f] vftf Overdrawn x'g] cj:yf cfPdf gk'u /sddf a}+s b/df @
k|ltzt yk u/L lbg uGtLsf] lx;fan] x'g] Jofh jf slDtdf cd]l/sL 8n/ !))=)) dWo]
h'g /sd a9L x'G5 ;f]xL a/fa/sf] xhf{gf nufpg] .
@= dfnlbE; dlg6/L cyf]l/6L -Maldives Monetary Aughority_ klg Plzog lSnol/Ë o"lgogsf] ;b:o
ePsf]n] dfnlbE;;Fu x'g] Jofkfl/s sf/f]jf/x? ;d]t k|rlnt Joj:yf cg';f/ Plzog lSnol/Ë
o"lgog dfk{mt ug'{÷u/fpg' kg]{5 .
#= ACU sf/f]jf/df sld;g / SWIFT rfh{ ;DaGwdf M
o; a+}s dfkm{t Plzog lSnol/ª o'lgogsf ;b:o s]Gb|Lo a+}sx?df Jofkfl/s sf/f]jf/x? afktsf]
/sd e'QmfgL k7fpbf o; a}+saf6 l:jkm\6 rfh{ / sld;g glng] Joj:yf ul/Psf] 5 .
$= Plzog lSnl/Ë o'lgogsf] sf/f]jf/df Nostro Account sf] k|of]u / Vostro Account df Jofh
k|bfg ug]{ M
Plzog lSnl/Ë o'lgog (ACU) sf] sf/f]jf/df Nostro Account sf] k|of]u / Plzog lSnl/Ë o'lgog
cGtu{t x'g] Jofkfl/s sf/f]jf/ Pjd\ e'QmfgL tyf lx;fa /fkm;fkm k|s[ofnfO{ l56f] 5l/tf] ;DkGg
u/fpg] k|of]hgsf] nflu b]xfo adf]hdsf] ug{'kg]{5 .
-s_ Plzog lSnl/Ë o'lgog cGtu{t x'g] Jofkfl/s sf/f]jf/df ;+nUg x'g] jfl0fHo a}+sx?n] csf]{
;b:o b]zsf] jfl0fHo a}+sdf Plzog df}lb|s O{sfO{sf] ?kdf /x]sf d'b|fx? ACU Dollar
(ACUD) / ACU Euro (ACUE) df Nostro Account vf]Ng' kg]{5 . ;b:o b]zx? aLr x'g]
Jofkfl/s sf/f]jf/sf] e'QmfgL tyf /fkm;fkm jfl0fHo a}+s :t/df /x]sf pQm vftfx? dfkm{t
ug'{kg]{5 .
-v_ pQm vftfdf kml08Ë u/fpg] tyf vftf aGb u/fpFbf df}Hbft /x]sf afFsL] /sd lkmtf{ lng]
k|of]hgsf] nflu dfq o; a}+s dfkm{t sf/f]jf/ ug{' kg]{5 .
-u_ csf]{ ;b:o b]zsf jfl0fHo a}+sx?n] g]kfnsf jfl0fHo a}+sx?df vf]n]sf ACU Dollar
(ACUD) / ACU Euro (ACUE) vftfdf vftf vf]Ng] a}+s;Fu ePsf] ;Demf}tfdf pNn]lvt
zt{x?sf] cwLgdf /xL cfˆgf] :jljj]sn] Jofh k|bfg ug{' kg]{5 .
61
cg';"rL @=!
-O=k|f=kl/kq ;+Vof @ sf] bkmf -!_ sf] v08 -ª_ ;Fu ;DalGwt_
MT 202 GENERAL FIN INST TRANSFER
Field Description s}lkmot
20 TRN ;DalGwt a}+s tyf o; a}+ssf] aLrdf ePsf] sf/f]jf/sf] ;+s]t
g+=
21 Related Ref.No. ;DalGwt a}+s tyf Beneficiary a}+ssf] aLrdf ePsf] sf/f]jf/sf]
;+s]t g+
32 A Value Date, Currency Code,
Amt
Eofn'8]6 sf] ;Gbe{df /sdfGt/ ug]{ b]zdf ljbf gkg]{ u/L
sDtLdf Ps sfo{ lbg cufa} o; ljefudf SWIFT k7fpg' kg]{ .
53 A Sender's Correspondent o; a}+sdf /x]sf] ACU Dollar tyf ACU EURO vftf g+= ;lxt
;DalGwt jfl0fHo a}+ssf] gfd .
56 A Intermediatory cfjZostf cg';f/
57 A Account with Institutions SWIFT k7fpg] ;DalGwt ljb]zL s]Gb|Lo a}+ssf] gfd
58 A Beneficiary Institution /sd kfpg] ;DalGwt ljb]zsf] jfl0fHo a}+s
72 Sender to Receiver Information Charge s;af6 lng], L/C, T T No, kqfrf/ ug]{ k\mofS; g+= tyf
cGo s'/f cfjZostf cg';f/ v'nfpg] .
62
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)#÷@)&$
;'g cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf
1= ;'g cfoft tyf ljqmL ljt/0fsf nflu o;};fy ;+nUg æ;'g cfoft tyf ljqmL ljt/0f sfo{ljlw,
@)^*Æ nfu' ul/Psf] x'Fbf ;f]xL adf]lhd ug'{ u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{+_ P]g, @)!(
sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}lsË sfof{no nufot cGo sfof{no /
Ohfhtkqk|fKt æsÆ au{sf a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
;'g cfoft tyf ljqmL ljt/0f ;DaGwL sfo{ljlw, @)^*
k|:tfjgf
ljutdf ;'gsf] cTolws cfoftn] d'n'ssf] zf]wgfGt/ l:yltdf k|lts'n k|efj kg{ uPsf] cj:yfnfO{
dWogh/ u/L ;'gsf] clws cfoftnfO{ Jojl:yt ug{ lgoGq0ffTds pkfox¿sf] cjnDag ul/Psf]
lyof] . o;/L sfof{Gjogdf cfPsf] lgoGq0ffTds gLltsf] sf/0f d'n'ssf] ljb]zL ljlgdo ;+lrltdf
;sf/fTds k|efj kb}{ uPsf] / g]kfnh:tf] Go'g cfo ePsf] d'n'sn] aLnfl;tfsf] j:t' dflgg] ;'gsf]
clgolGqt cfoftnfO{ y]Ug g;Sg] cj:yf ;d]tnfO{ dWogh/ u/L b]zsf] k/Dk/f, ;+:s[lt cg'?k
cfGtl/s pkef]usf nflu cfjZos kg]{ ;'g cfoftsf nflu Pp6f lglZrt sfo{ljlw lgwf{/0f ug'{
cfjZos b]lvPsf]n] of] sfo{ljlw th'{df ul/Psf] 5 .
kl/R5]b – !
k|f/lDes
!= ;+lIfKt gfd / k|f/De M -!_ of] sfo{ljlwsf] gfd æ;'g cfoft tyf ljqmL ljt/0f sfo{ljlw,
@)^*Æ /x]sf] 5 . -@_ of] sfo{ljlw /fi6« a}+sn] kl/kq hf/L u/]sf] ldltb]lv nfu' x'g]5 .
@= kl/efiffM ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; sfo{ljlwdf,–
-s_ æ/fi6« a}+sÆ eGgfn] g]kfn /fi6« a}+s P]g, @)%* -;zf]wg ;lxt_ adf]lhd :yfkgf
ePsf] g]kfn /fi6« a}+s ;Demg' k5{ .
-v_ ……a}+sÚÚ eGgfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf $& sf] pkbkmf
-!_ adf]lhd ljQLo sf/f]jf/ ug{ g]kfn /fi6« a}+saf6 :jLs[t k|fKt æsÆ ju{sf
;+ul7t ;+:yf ;D´g' k5{ .
-3_ æljefuÆ eGgfn] /fi6« a}+ssf] ljb]zL ljlgdo Joj:yfkg ljefu ;Demg' k5{ .
kl/R5]b – @
cfoft ;DaGwL Joj:yf
#= a}+sx¿n] dfq cfoft ug{ ;Sg]M– g]kfn a}+s;{ ;+3sf] l;kmfl/;df æsÆ ju{sf a}+sx¿n] dfq
;'gsf] cfoft ug{ ;Sg]5g\ .
63
$= /fi6« a}+sn] kl/df0f tf]Sg ;Sg] M g]kfn /fi6« a}+sn] ;do ;dodf tf]ls lbPsf] kl/df0f /
k|s[of adf]lhd dfq ;'g cfoft x'g] Joj:yf g]kfn a}+s;{ ;+3n] ldnfpg' kg]{5 1
-s_ cfoft ug{ ;lsg] ;'gsf] b}lgs kl/df0f xfnnfO{ @) -aL;_ lsnf]u|fd sfod
ul/Psf] 5 .
-v_ ;'g cfoft ubf{ Identified specific bar c+lst tyf z'4 ;'g cyf{t ((=(( ;'g
cfoft ug{' kg]{ 5 .
-u_ !)), @)), %)) u|fd / ! s]=hL= ;Ddsf kl/df0fdf ;'g cfoft u/L laqmL ljt/0f
ug{' kg]{5 .
-3_ a}+sx?n] ;'grfFbL Joj;flox?nfO{ ;'g laqmL ubf{ k|bfg ug]{ aLhs÷/l;bdf ;'gsf]
z'4tf, a|f08, klxrfg gDa/÷l;=g +=-Identified No._ pNn]v ug{'kg]{5 .
%= a}+sx?n] ;'gsf] ljqmL d"No sfod ubf{ cfoft u/L ;DalGwt If]qdf k'¥ofpFbf nfUg] k|ToIf
nfutdf clwstd )=%) k|ltzteGbf a9L x'g] u/L dfs{ck ug{ kfOg] 5}g .
%s ;'g vl/b ug]{ ljleGg ;'g rfFbL Joj;foL ;+3x?n] tf]Sg] v'b|f d"No jfl0fHo a}+sx?af6
vl/b ePsf] d"Nodf )=%) k|ltzteGbf a9L x'g] 5}g .2
^= l;kmfl/; k|fKt kl/df0fsf] ;'g cGo a}+sdfkm{t cfoft u/]/ ;d]t ljqmL ljt/0f ug{ ;lsg]M–
tf]lsPsf] kl/df0fsf] ;Ldfleq /xL cfoft ug{ l;kmfl/; k|fKt a}+sx¿n] cfk;df ;xdlt
u/L cfkm"nfO{ k|fKt ;Ldfsf] ;'g csf]{ a}+s dfkm{t ;d]t cfoft u/L ljqmL ljt/0f ug{
;Sg]5g\ . o;/L Pp6f a}+s dfkm{t\ cfoft ePsf] ;'g cGo a}+sn] ljqmL ljt/0f ubf{ cfoft
ug]{ a}+sn] dfly bkmf % adf]lhd ug{ kfpg] dfs{cksf] ;LdfeGbf a9L x'g] u/L d"No sfod
ug{ kfOg] 5}g .
&= ;'g cfoftsf] ljlw M– ;'g cfoft k|tLtkq jf Stand By k|tLtkq jf a}+s Uof/]06L jf
8«fkm\6÷l6=l6= sf] dfWodaf6 ug{ ;lsg]5 . o;/L 8«fkm\6÷l6=l6=sf] dfWodaf6 cfoft ubf{
ljefuåf/f hf/L ePsf] l6=l6= dfkm{t cfoft ug{ tf]lsPsf] ;Ldf nfu' x'g] 5}g .
*= b}lgs lgwf{l/t ;Ldfsf] kl/df0fdf ga9\g] u/L cfoft ug{ ;lsg]M– d"Nosf] b[li6sf]0fn]
ldtJooL tyf nfebfoL x'g] ePdf b}lgs lgwf{l/t ;Ldfsf] kl/df0fdf ga9\g] u/L
cfjZostf cg'?ksf] ldtJooL kl/df0f (Economic Size) df Psd'i6¿kdf ;d]t ;'g cfoft
ug{ ;lsg]5 . t/ o:tf] Psd'i6¿kdf cfoft ubf{ cfufdL lbgsf] nflu clu|d¿kdf eg]
cfoft ug{ kfOg] 5}g .
(= l;kmfl/; ubf{ cBfjlws l;kmfl/; kl/df0f ;d]t v'nfpg' kg]{M– g]kfn a}+s;{ ;+3n] ;'g
cfoftsf] l;kmfl/; ubf{ k|To]s k6ssf] l;kmfl/; kqdf cl3Nnf] k6s l;kmfl/; ubf{sf]
kl/df0f tyf l;kmfl/; eP kl5sf] s'n kl/df0f / s'g ldlt;Ddsf] nflu l;kmfl/; ePsf]
xf], ;f] ;d]t v'nfO{ l;kmfl/; ug'{ kg]{5 / o:tf] k|To]s l;kmfl/;sf] hfgsf/L /fi6« a}+snfO{
lbg' kg]{5 .
kl/R5]b – #
a}+sn] Joj;foLnfO{ ljqmL ljt/0f ug]{ ;DaGwL Joj:yf
!)= cfoft ul/Psf] ;'g tf]lsPsf] If]qdf ljqmL x'g] Joj:yf ldnfpg' kg]{M– cfoftsf] nflu
tf]lsPsf] kl/df0f d'n'se/sf] nflu ePsf]n] ;DalGwt If]qdf xfn x'g] u/]sf] vkt
cg'kftnfO{ cfwf/ dfgL cfoftLt ;'g If]qut ?kdf b]xfo adf]lhd lgwf{l/t ;Ldf ;DalGwt
1 ldlt @)&#.(.@! sf] lg0f{oaf6 yk tyf kl/dfh{g ePsf] .
2 bf]>f] ;+zf]wg kl5 sfod
64
If]qd} ljqmL x'g] u/L cfoft tyf ljqmL ljt/0f ug{] Joj:yf g]kfn a}+s;{ ;+3n] ldnfpg'
kg]{5 .
If]q laqmL÷ljt/0f ug'{ kg]{ kl/df0f -k|ltztdf_
afudtL c~rn ^) -;f7L_
afudtL c~rn afx]ssf cGo c~rnx¿ $) -rfnL;_
If]qut?kdf tf]lsPsf] ;Ldf ;DalGwt If]qdf & lbgleq;Dd klg dfu÷ljqmL gePdf cGo
If]qdf -x:tsnf Joj;foLnfO{ ;d]t_ klg ljqmL ug{ ;lsg]5 .
!)s cfoft ul/Psf] ;'g ljqmL ljt/0f ug{ If]qut ?kdf k|ltzt 5'6[fOPsf]n] laleGg ;'g rfFbL
Joj;foLx?nfO{ b]xfo adf]lhd x'g] u/L k|ltztdf sf]6f lgwf{/0f ul/Psf] 5 . afudtL
c~rndf sfod /x]sf] ^) k|ltztnfO{ !)) k|ltzt dfgL b]xfo adf]lhd x'g] u/L ljqmL
ljt/0f ug]{ Joj:yf ldnfOPsf] 5 .3
s_ g]kfn ;'g rfFbL Joj;foL dxf;+3nfO{ %) k|ltzt .
v_ g]kfn ;'g rfFbL /Tg tyf cfe'if0f dxf;+3nfO{ $) k|ltzt .
u_ g]kfn x:tsnf dxf;+3nfO{ !) k|ltzt .
o:tf] If]qut ;Ldf tyf laleGg ;'g Joj;fo;Fu ;Da4 ;+3÷;+:yfnfO{ 5'6\ofpg] ;'gsf]
k|ltzt cfjZostf cg';f/ ljefun] ;do ;dodf ;+zf]wg÷kl/jt{g ug{ ;Sg]5 .
!)v jfudtL c~rn jflx/sf ljleGg :yfgdf ljt/0f x'g] $) k|ltzt ;'g ljqmL ljt/0fsf
;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf] 5 .4
!= a}+sx?n] ;'grfFbL;Fu ;DalGwt ;+3x?n] tf]s]sf] 7fpFdf -lhNnfsf tf]lsPsf] :yfgdf_
Delivery lbg] Joj:yf ug'{ kg]{5 .
@= a}+sxn] ;'g ljt/0f ubf{ cl3Nnf] k6s ;'g k|fKt u/]sf Jofkf/Lx?n] ;'g
ljqmL÷ljt/0f u/]sf] sf/f]jf/sf] aLn aLhs ;lxtsf] ljj/0f k]z ePkl5 dfq ;'gsf]
l;kmfl/; eP cg'?ksf] ;'g ljt/0f ug'{ kg]{5 .
#= csf]{ Joj:yf geP;Dd afudtL c~rn aflx/sf] c~rnx?sf nflu 5'§fOPsf] $)
k|ltztsf] xsdf ;f] kl/df0fnfO{ ztk|ltzt dfgL g]kfn ;'grfFbL Joj;foL ;+3n] ^%
k|ltzt, g]kfn /Tg tyf cfe'if0f ;+3n] @% k|ltzt, g]kfn ;'grfFbL snf Joj;foL
;+3n] &=% k|ltzt tyf g]kfn x:tsnf dxf;+3n] @=% k|ltztsf] ;Ldfleq /xL
l;kmfl/; ug'{ kg]{5 .
!!= d'Vo zx/x¿df ljqmL ljt/0f ug]{ Joj:yf ldnfpg' kg]{M– afudtL c~rn afx]ssf cGo
c~rnx¿df wgu9L, g]kfnu~h, l;4fy{gu/, kf]v/f, jL/u~h , hgsk'/, lj/f6gu/ /
eb|k'/ If]qaf6 clgjfo{?kdf / cfjZostf cg'?k cf}lrTosf cfwf/df cGo Jofkfl/s s]Gb|
tyf zx/x¿af6 ;d]t ljqmL ljt/0f x'g] Joj:yf ldnfpg' kg]{5 .
!@= Joj;foLnfO{ dfq ljqmL ug'{ kg]{M– a}+sn] cfoft u/]sf] ;'g g]kfn ;/sf/sf] ;DalGwt
lgsfodf btf{ eO{ :yfoL n]vf gDa/ k|fKt u/]sf tyf Joj;foLx¿sf] cflwsfl/s
;+3÷;+u7gdf cfa4 ;'gsf] sf/f]jf/ ug{ cg'dlt k|fKt u/]sf Joj;foLnfO{ dfq ljqmL ug'{
kg]{5 . o;/L Joj;foLx¿nfO{ ;'g ljqmL ubf{ lghx¿af6 cl3Nnf] cfly{s jif{ sf] s/
bfloTj km/kmf/s u/]sf] jf cfo ljj/0f a'emfPsf] k|df0f ;d]t clgjfo{?kdf lng' kg]{5 .
3 ldlt @)^(.(.@@ sf] Joj:yfaf6 sfod
4 ldlt @)&).@.!@ sf] rf}yf] ;+zf]wgaf6 sfod
65
!#= ;'g ljqmLsf] clwstd kl/df0fM– ;'g ljqmL ubf{ k|lt Joj;foL a9Ldf ! -Ps_ lsnf]u|fdsf]
;Ldfleq /xL cfj]bgsf] qmdfg';f/ ljqmL ug'{ kg]{5 .
!$ qmlds?kdf ;'g pknJw u/fpg' kg]{M– g]kfn ;/sf/sf] ;DalGwt lgsfodf k|rlnt sfg"g
adf]lhd btf{ eO{ :yfoL n]vf gDa/ k|fKt u/]sf Joj;foLx?n] cfk"m cfa4 /x]sf] ;+3af6
sf]6fsf] cfwf/df s|da4?kn] ;'g ljqmLsf] l;kmfl/; k|fKt ug'{kg]{ 5 . ;f]xL l;kmfl/;sf]
cfwf/df a}+sx?n] ;'g ljqmL ug'{kg]{ 5 . ;'g ljqmLsf] nflu l;kmfl/; ubf{ ckgfOPsf] k|s[of
kf/bzL{ x'g'kg]{5 . cfk\mgf ;+3sf ;b:ox?nfO{÷;'g Jofkf/LnfO{ l;kmfl/; ubf{ qmdfg';f/
l;kmfl/; ug'{kg]{5 . o;/L l;kmfl/; ubf{ s'g} klg k|sf/sf] l;kmfl/; b:t'/ jf z'Ns lng
kfOg] 5}g . Pp6f Joj;flon] Ps ;+3÷dxf;+3af6 dfq ;'gsf] l;kmfl/; lng kfpg] 5 .
;+3 ;+:yfn] ckgfPsf] k|s[of tyf k4lt af/] ;do ;dodf g]kfn /fi6« a}+sn] cg'udg ug{
/ lgb]{zg lbg ;Sg]5 . t/, jfl0fHo a}+sn] cfoft u/]sf] ;'g !% lbg;Dd klg ;DalGwt
;+3af6 ;b:ox?nfO{ l;kmfl/; x'g g;sL ljqmL x'g g;s]sf] cj:yfdf jfl0fHo a}+sx?n]
o; sfo{ljlw cGt/ut of]Uotf k'u]sf ;'g Joj;foLnfO{ lgj]bgsf] qmdfg';f/ ;f]e}m ljqmL
ug{ ;Sg]5g .5
!%= ;+o'Qm?kdf ljqmL ug{ ;lsg]M– tf]lsPsf] ;Ldfleq /xL a}+sn] pknJw u/fpg ;Sg]
clwstd kl/df0fsf] ;'g PseGbf a9L Joj;foLsf] gfddf ;d]t ;+o'Qm?kdf ljqmL ug{
;lsg]5 .
!^= a}+saf6 v/Lb ul/Psf] ;'g k'gM ljqmL ug{ ;lsg]M– Joj;foLn] v/Lb u/]sf] ;'g Joj;foLsf]
;+3÷;+u7g cflbdf cfa4 eO{ Kofgdf btf{ ePsf u/uxgf, cfe"if0f, snfTds j:t'
nufotsf ;fdfg agfpg] ;'g rfFbL jf x:tsnf Joj;foLnfO{ ;d]t ljqmL ug{ ;lsg]5 .
!&= lgj]bgdf k|lta4tf v'nfpg' kg]{M– Joj;foLn] ;'g vl/bsf] nflu k]z ug]{ cfj]bgdf ;f]xL
lbg ;'g vl/bsf] nflu csf]{ a}+sdf cfj]bg gu/]sf] / o; Joj:yfsf] k|lts'n x'g] u/L ;'g
vl/b ljqmL sf/f]jf/ gu/]sf] / gug]{ Joxf]/f ;lxtsf] k|lta4tf u/]sf] x'g'kg]{ 5 .
!&=s a}+saf6 v/Lb u/L ;s]kl5 Joj;foLx?n] tf]lsPsf] )=%) k|ltztsf] dfs{ck afx]s hlt;'s}
tx dfkm{t ljqmL ljt/0f ePklg d"No a9\g] u/L s'g} klg yk b:t'/, ;]jf, z'Ns tyf
sld;g lng kfOg] 5}g .6
kl/R5]b – $
lgof{tstf{ Joj;foLnfO{ ljqmL ljt/0f ;DaGwL ljz]if Joj:yf
!*= lgof{tstf{ Joj;foLnfO{ ljz]if Joj:yfM– lgof{t Joj;foLnfO{ ;'gsf] jf ;'g ldl>t
u/uxgf÷snfTds j:t' cflb agfO{ lgof{t ug]{ k|of]hgsf] nflu cfjZos kg]{ ;'gsf] nflu
o; sfo{ljlwsf] kl/R5]b @ sf] bkmf $ / kl/R5]b # sf] bkmf !# adf]lhdsf] ;Ldf nfu' x'g]
5}g . ;'gsf] jf ;'g ldl>t u/uxgf÷snfTds j:t' cflb ljb]z lgof{t u/]sf] lgsf;L
k|df0fkq jf lgsf;L cfb]z k'li6 x'g] clu|d e'QmfgL jf k|tLtkq jf v/Lb cfb]z cflb k]z
u/]sf] cfwf/df g]kfn x:tsnf dxf;+3sf] l;kmfl/;df x:tsnf Joj;foLsf] dfu adf]lhd
a}+sx¿n] cfjZos ;'gsf] Joj:yf ug'{ kg]{5 . ;DalGwt a}+sn] ;f]sf] Joxf]/f vf]nL k|df0f
;lxt g]kfn a}+s;{ ;+3df lgj]bg u/]df g]kfn a}+s;{ ;+3n] b}lgs sf]6fdf k|efj gkg]{ u/L
;DalGwt a}+ssf] sf]6fdf yk x'g] u/L jf s'n kl/df0fdf yk x'g] u/L yk kl/df0fsf]
l;kmfl/; pknJw u/fpg' kg]{5 .
5 ;ftf} ;+zf]wgaf6 sfod
6 ldlt @)^(.@.@ sf] ;+zf]wgaf6 yk
66
!(= lgof{t ePsf] k'li6 x'g] sfuhftsf] cfwf/df ljqmL ljt/0f ug'{ kg]{M– lgof{tstf{n] ;'g jf
;'g ;d]t k|of]u u/L pTkfbg u/]sf] j:t'df k|o'Qm ;'gsf] kl/df0f / lgof{t u/]sf] k'li6 x'g]
sfuhftsf] cfwf/df pTkflbt j:t'df k|o'Qm ;'gsf] kl/df0fdf hlt{ afkt !) -bz_
k|ltzt;Ddn] x'g] kl/df0f yk u/L ;'g ljqmL ug{ ;lsg]5 . o;/L ;'g ljqmL ubf{ vl08t
kl/df0f cfPdf Go"gtd ! -Ps_ lsnf]u|fdsf] kl/df0fdf ljqmL ug{ ;lsg]5 .
@)= clu|d ljqmL ug{ ;lsg]M– j:t' lgof{t u/L g;s]sf] t/ lgof{t ePsf] k'li6 x'g] sfuhft
kl5 k]z ug'{ kg]{ zt{df lgof{tsf] nflu clu|d e'QmfgL jf k|tLtkq jf v/Lb cfb]z
nufotsf lgof{t cfb]z k'li6 x'g] sfuhftsf cfwf/df ;d]t clu|d ?kdf ;'g ljqmL ug{
;lsg] 5 . o;/L clu|d ?kdf ;'g vl/b ug]{ Joj;foLn] lgwf{l/t cjlwleq lgof{t u/]sf]
k|df0f k]z gu/];Dd yk ;'g v/Lb k|s[ofdf ;fd]n x'g kfOg] 5}g .
@!= ;'g ljqmL ubf{ canDag ug'{ kg]{ ljlwM– ;'g ljqmL ubf{ o; sfo{ljlwsf] kl/R5]b–# sf] bkmf
!% / bkmf !& df pNn]v ePsf] Joj:yfsf] cjnDag ug'{ kg]{5 .
@@= yk kl/df0fdf ;'g cfoft ug{ ;lsg]M– lgof{t ;DaGwL k|rlnt dfWodaf6 7"nf] kl/df0f -
High Volume_ sf] lgof{t cfb]z k|fKt ePsf] sf/0fn] lgof{t Joj;foLnfO{ a9L ;'g cfjZos
k/]df To:tf] Joxf]/f k'li6 x'g] sfuhft ;lxt ;DalGwt a}+s dfk{mt cg'/f]w k|fKt ePdf
lgof{t k|of]hgsf] nflu ;f]xL a}+s dfk{mt yk kl/df0fdf ;'g cfoft ug{ :jLs[lt k|bfg ug{
;lsg]5 .
kl/R5]b – %
clen]v tyf k|ltj]bg ;DaGwL Joj:yf
@#= clen]v /fVg' kg]{M– a}+sx¿n] cfoft u/]sf] ;'gsf] nfut d"No / ljqmL d"No :ki6 b]lvg]
u/L clen]v tof/ u/L /fVg' kg]{5 .
@$= ljj/0f a'emfpg' kg]{M– a}+saf6 ;'g v/Lb ug]{ Joj;foLn] cfkm"n] ljqmL÷pkof]u u/]sf] ;'gsf]
;+nUg cg';"rL @ adf]lhdsf] 9fFrfdf k|To]s dlxgf ;dfKt ePsf] & -;ft_ lbgleq
;DalGwt a}+sdf dfl;s ljj/0f a'emfpg' kg]{5 . a}+sx¿n] cfkm"n] cfoft u/L ljqmL u/]sf]
ljj/0f cg";"rL ! adf]lhdsf] 9fFrfdf Joj;foLn] k]z u/]sf] ljj/0f ;d]t ;+nUg /fvL
k|To]s dlxgf ljt]sf] !% -kGw|_ lbgleq ljefudf dfl;s ljj/0f a'emfpg' kg]{5 . o;/L
tf]lsPsf] ljj/0f a'emfpg' kg]{ st{Jo ePsf a}+s tyf Joj;foLn] pQm ljj/0f ga'emfP;Dd
yk cfoft tyf v/Lb ug]{ qmddf ;dfj]z x'g kfpg] 5}gg\ .
kl/R5]b – ^
ljljw Joj:yf
@%= cg'udg ;+oGqsf] u7g ul/g]M– ;'gsf] cfoft, ljqmL ljt/0f Pjd\ cfk"lt{sf ;DaGwdf
cg'udg Pjd\ ;dLIff ug{ jfl0fHo tyf cfk"lt{ dGqfnosf lgof{t k|j4{g, Jofkf/
;xhLs/0f tyf kf/jxg dxfzfvf x]g]{ ;x;lrjsf] ;+of]hsTjdf /fi6« a}+ssf jl/i7 clws[t
;b:o /x]sf] Ps cg'udg ;+oGq u7g ul/g]5 .
@^= ;+zf]wg tyf kl/dfh{g ug{ ;lsg]M– ;'g cfoft tyf ljqmL ljt/0f ;DaGwL sf/f]jf/ af/]
k|To]s dlxgf cg'udg ;+oGqdf 5nkmn tyf ;dLIff u/L cfjZostf cg'?k cfoft ljqmL
ljt/0f tyf sfof{Gjog k|s[ofx¿df ;+zf]wg tyf kl/dfh{g ug{ ;lsg]5 .
@&= afwf c8\sfp k'msfpg] M o; sfo{ljlwsf] sfof{Gjogdf s'g} afwf c8sfp cfOk/]df To:tf]
afwf c8\sfp cg'udg ;+oGqsf] l;kmfl/;df /fi6« a}+sn] k'msfpg ;Sg]5 .
67
cg';"rL #=!
-;'g cfoft tyf ljqmL ljt/0f sfo{ljlw, @)^* sf] k|of]hgsf] nflu_
==============a}+s lnld6]8
==========================
;'g cfoft tyf ljqmLsf] dfl;s ljj/0f
cjlw M– ======================b]lv ===================;Dd
ldlt M–
==============
cfoft u/]sf] ljqmL u/]sf]
ldlt kl/df0f /sd
ldlt Joj;foLsf]
gfd
cfj4 Joj;foL
;+3 Kofg g+= kl/df0f
/sd
?=
lj=d'=df g]=?=df
ljj/0f k|dfl0ft ug]{sf],
-b:tvt_
gfdM–
kbM–
a}+ssf] 5fkM–
68
cg';"rL #=@
-;'g cfoft tyf ljqmL ljt/0f sfo{ljlw, @)^* sf] k|of]hgsf] nflu_
-;DalGwt ;'g rfFbL Joj;foLsf] gfd_
=================-7]ufgf_
ldlt M–=========================
>L =============a}+s lnld6]8
=======================.
dxfzo,
;'g cfoft tyf ljqmL ljt/0f sfo{ljlw, @)^* df ePsf] Joj:yf cg';f/ xfdLn] To;
a}+saf6 v/Lb u/L ljqmL u/]sf] ;'gsf] ljj/0f o;};fy k]z u/]sf 5f}F+ .
v/Lb u/]sf] ljqmL u/]sf]
ldlt kl/df0f ldlt JolQm÷;+:yfsf] gfd, 7]ufgf, Kofg
gDa/ kl/df0f
/sd ?=
hDdf hDdf
ljj/0f k|dfl0ft ug]{sf],
-b:tvt_
gfdM–
Joj;foLsf] Kofg g+M
5fkM
69
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)$÷@)&$
;'g cfk"lt{, rFfbL cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf
;'gaf6 ag]sf u/–uxgf tyf snfTds j:t'x¿sf] lgof{tstf{ / :yfgLo laqm]tfx¿nfO{ sRrf
kbfy{sf] ?kdf ;'g cfk"lt{ ug]{ Joj:yf lgDgfg';f/ ul/Psf]n] ;f]xL adf]lhd ug{'÷u/fpg' x'g ljb]zL ljlgdo
-lgoldt ug]{+_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L o; a}+ssf] 6S;f/ dxfzfvf nufot
Ohfhtkqk|fKt æsÆ ju{sf a}+sx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
-!_ ;'gaf6 lgld{t j:t'x?sf] lgof{tstf{ / :yfgLo laqm]tfx?nfO{ ;'g cfk"lt{ ug]{ Joj:yf
-s_ ;'gaf6 ag]sf u/uxgf tyf snfTds j:t'x¿sf] lgof{t ;DaGwdf M ;'gaf6 jg]sf u/uxgf
tyf snfTds j:t'x¿ Irrevocable Letter of Credit jf clu|d e'QmfgL k|df0fkqsf] cfwf/df dfq
lgof{t ug'{kg]{5 .
-v_ ;'gsf] cfk"lt{ ug]{ Joj:yf M
-!_ lgof{tstf{ tyf :yfgLo laqm]tfx¿nfO{ ;'g pknAw u/fpgsf] nflu g]kfn /fi6« a}+s,
6S;f/ dxfzfvfn] a}+sx¿df :j0f{sf]if (Gold Chest) sf] Joj:yf ug]{5 . pQm :j0f{sf]ifdf
/x]sf] ;'gsf] df}Hbftaf6 ;DalGwt a}+sx¿n] lgof{tstf{ tyf o; a}+saf6 ljb]zL d'b|f
:jLsf/ ug]{ Ohfht k|fKt :yfgLo ljqm]tfx¿nfO{ ;'g ljqmL ug]{5 .
-@_ g]kfn /fi6« a}+s, 6S;f/ dxfzfvfn] ;'gsf] ljqmL d"No cd]l/sL 8n/df lgwf{/0f ug]{5 .
cGt/f{li6«o jhf/df ;'gsf] d"Nodf ! k|ltzteGbf a9L 36a9 ePdf ;f] cg';f/ ;dfof]hg
u/L sfod ul/Psf] ;'gsf] ;+zf]lwt ljqmL d"Nosf] hfgsf/L 6S;f/ dxfzfvfn] ;DalGwt
a}+sx¿nfO{ lbg]5 . ;DalGwt a}+sx¿n] ;'g ljqmL ubf{ 6S;f/ dxfzfvfn] lgwf{/0f u/]sf]
d"Nosf] cfwf/df lgof{tstf{ tyf :yfgLo ljqm]tfnfO{ ;'g ljqmL ug'{kg]{5 .
-#_ ;DalGwt a}+sx¿n] o;/L :j0f{sf]ifaf6 ljqmL u/]sf] ;'gsf] e'QmfgL eg] cd]l/sL 8n/dfg}
g]kfn /fi6« a}+s, a}+lsË sfof{nodfkm{t ;f]xL lbg 6S;f/ dxfzfvfnfO{ ug'{kg]{5 .
-$_ ;DalGwt a}+sx¿n] lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ :j0f{sf]ifaf6 ;'g ljqmL u/]
afkt ;]jf z'Ns :j?k ljqmL u/]sf] ;'gsf] d"Nosf] )=@% -z"Go bzdna b'O{ kfFr_ k|ltzt
/sd g]kfn /fi6« a}+sn] ;DalGwt a}+sx¿nfO{ pknAw u/fpg]5 .
-u_ a}+sx¿n] lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ ;'g cfk"lt{ ug]{ ljlw M
-!_ ;DalGwt a}+sx¿n] lgof{tstf{x¿nfO{ ;'gsf u/–uxgf lgof{t ug{sf nflu k|fKt ePsf]
Irrevocable Letter of Credit cyjf clu|d e'QmfgL k|df0fkqsf] cfwf/df ;'g pknAw
u/fpg'kg]{5 . o;/L ;'g ljqmL ubf{ Irrevocable Letter of Credit jf clu|d e'QmfgL
k|df0fkqdf pNn]v ePsf] FOB d"Nosf] () k|ltzt /sdn] vfDg];Ddsf] kl/df0f dfqsf]
;'g ljqmL ug'{kg]{5 .
70
-@_ o; a}+saf6 Ohfhtkqk|fKt u/]sf :yfgLo ljqm]tfn] ko{6sx¿nfO{ ;'gaf6 ag]sf u/–
uxgf tyf snfTds j:t'x¿ ljqmL u/L cfh{g u/]sf] kl/jTo{ ljb]zL d'b|f ;DalGwt a}+sdf
bflvnf u/]sf] /sdsf] () k|ltzt;Dd dfqsf] ;'g ljqmL ug'{kg]{5 .
-#_ ;DalGwt a}+sx¿n] lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ Go"gtd !)) u|fd / a9Ldf !)
u|fdsf] u'0fg v08n] x'g cfpg] kl/df0fdf ;'g ljqmL ug'{kg]{5 .
-$_ ;DalGwt a}+sx¿af6 ;'g v/Lb ug{sf] nflu lgof{tstf{n] k|fKt u/]sf] Irrevocable Letter
of Credit jf clu|d e'QmfgL k|df0fkq;fy ;+nUg cg';"rL $=@ adf]lhd b/vf:t kmf/fddf
;Dk"0f{ ljj/0f pNn]v u/L ;f]sf] b'O{k|lt ;DalGwt a}+sdf k]z ug'{kg]{5 . o;k|sf/ :yfgLo
ljqm]tfn] ;'g vl/b ug{sf nflu ;'gsf u/uxgf ko{6sx¿nfO{ ljqmL ubf{ sf6]sf] ;+nUg
cg';"rL $=! adf]lhdsf] /;Lbsf] 5}7f}+ k|lt / cfh{g u/]sf] kl/jTo{ ljb]zL d'b|f a}+sdf
bflvnf u/]sf] k|df0f ;lxt cg';"rL $=@ adf]lhd b/vf:t kmf/fddf ;Dk"0f{ ljj/0f pNn]v
u/L ;f]sf] b'O{ k|lt ;DalGwt a}+sdf k]z ug'{kg]{5 . pko{'Qm cfwf/df ;'g ljqmL u/L
;s]kl5 ;DalGwt a}+sn] b/vf:t kmf/fdsf] klxnf]k|lt k|dfl0ft u/L g]kfn /fi6« a}+s, 6S;f/
dxfzfvfdf k7fpg'kg]{ / bf]>f]k|lt /]s8{sf] nflu cfkm';Fu /fVg'kg]{5 .
-%_ clu|d e'QmfgL k|df0fkq jf lgof{t k|tLt–kqsf] d"n k|ltdf ;DalGwt a}+sn] ;'g ljqmL
u/]sf] kl/df0f / d"No pNn]v u/L clgjfo{ ?kn] b/kL7 ug'{sf] ;fy} 5fk nufpg' kg]{5 .
:yfgLo ljqm]tfx¿n] k]z u/]sf] a}+s bflvnfsf] k|df0fkq tyf ko{6sx¿nfO{ ljqmL u/]sf]
/;Lbsf] cfwf/df ;'g ljqmL u/]kl5 ;DalGwt a}+sn] pQm sfuhftx¿df ;'gsf] kl/df0f /
d"No pNn]v u/L b/kL7 ug'{sf] ;fy} 5fk nufpg' kg]{5 .
-^_ pko{'Qm k|lqmof cg';f/ lgof{tstf{x¿nfO{ ;'g ljqmL u/]kl5 clu|d e'QmfgLsf] xsdf ;'gsf
u/–uxgf lgof{t ePsf] k|df0fkq / k|tLtkqsf] xsdf kl/jTo{ ljb]zL d'b|f hDdf ePsf]
k|df0fkq ;DalGwt a}+s ;dIf k]z u/fO{ kf;a'sdf b/kL7 ug'{kg]{5 .
-&_ g]kfn x:tsnf pBf]u ;+3n] ;'gsf u/–uxgf tyf snfTds j:t'x¿sf lgof{tstf{ tyf
:yfgLo ljqm]tfx¿nfO{ cg';"rL $=# df tf]lsPsf] 9fFrfsf] kf;j's pknAw u/fpg]5 . ;f]
kf;j's ;DalGwt lgof{tstf{ jf :yfgLo ljqm]tfn] ;'g vl/b ubf{ clgjfo{ ¿kn]
;DalGwt a}+s ;dIf k]z ug'{kg]{5 . ;DalGwt a}+sn] kf;a'sdf ;'g ljqmL u/]sf] ljj/0f,
ljqmL u/]sf] cfwf/, kl/jTo{ ljb]zL d'b|fdf e'QmfgL k|fKt u/]sf] ljj/0f tyf lgof{t u/]sf]
ldlt nufotsf ljj/0f k|dfl0ft sfuhftsf] cfwf/df pNn]v u/L ;lx5fk ug'{kg]{5 .
-*_ plNnlvt k|lqmof cg';f/ lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ ;'g ljqmL u/]sf],
lgof{tstf{n] ;'gaf6 jg]sf u/–uxgf lgof{t u/]sf] tyf e'QmfgL k|fKt u/]sf] ljj/0fx¿sf]
clen]v cg';"rL $=$-s_, $=$-v_ / $=$-u_ sf] 9fFrfdf ;DalGwt a}+sx¿n] clgjfo{
?kn] /fVg'kg]{5 .
-3_ ;'gsf u/uxgf tyf snfTds j:t'x¿ kl/jTo{ ljb]zL d'b|fdf ko{6sx¿nfO{ ljqmL ug]{
Joj:yf M
-!_ o; a}+saf6 Ohfht k|fKt :yfgLo ljqm]tfx¿n] ko{6sx¿nfO{ ;'gsf u/uxgf ljqmL ubf{
;+nUg cg';"rL $=! adf]lhd ^ k|lt /;Lb sf6L ljqmL ug'{kg]{5 . pQm /;Lbsf] klxnf],
bf]>f] / t];|f] k|lt ko{6snfO{ lbg'kg]{5, rf}yf]k|lt /]s8{sf] nflu cfk"m;Fu /fVg'kg]{5, kfFrf}
k|lt ljb]zL d'b|f bflvnf u/]sf] a]nf a}+sdf a'emfpg' kg]{5 / 5}7f}+ k|lt ;'g v/Lb ubf{
kl/jTo{ ljb]zL d'b|f bflvnf u/]sf] k|df0f ;lxt ;DalGwt a}+sdf k]z ug'{kg]{5 .
-@_ ko{6sx¿n] pko{'Qm /;Lbsf] klxnf] / bf]>f] k|lt vl/b u/]sf ;'gsf j:t'x¿ g]kfn jflx/
n}hfFbf ;DalGwt eG;f/ sfof{nodf k]z ug'{kg]{5 . eG;f/ sfof{non] pQm /;Lbdf
ko{6sn] ;'gsf u/uxgf tyf snfTds j:t'x¿ g]kfn jflx/ nu]sf] k|dfl0ft u/L lbg]5 .
71
o;/L k|dfl0ft ul/Psf] klxnf]k|lt /;Lb tyf lgof{t k|1fkgkq eG;f/ sfof{non] o;
ljefudf k7fpg' kg]{5 .
-@_ rFfbL cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf M
g]kfn ;/sf/, jfl0fHo tyf cfk"lt{ dGqfnoaf6 rfFbLsf] cfoftdf s'g} lsl;dsf] k|ltaGw÷lgoGq0f
gePsf] ;Gbe{df rfFbLsf] u/uxgf, x:tsnf nufotsf cGo ;/;fdfg agfO{ ljqmL ug{ jf To:tf
;fdfg lgof{t ug]{ k|of]hgsf nflu Joj;flonfO{ cfjZos kg]{ rfFbL cfk"lt{sf] ;'Joj:yf ldnfpg
tyf rfFbLsf] cgf}krfl/s lgof{tnfO{ lg?T;flxt ug{ cfjZos b]lvPsf]n] rfFbLsf] cfoft ;DaGwdf
b]xfo adf]lhdsf] Joj:yf ul/Psf] 5 M
-s_ Joj;foL :jodn] cfoft ug{ ;lsg] M ;'grfFbLsf] sf/f]jf/ tyf cfoft lgof{t ug{ ljlwjt
btf{ ePsf÷Ohfht lnPsf g]kfnL ;'grfFbL Joj;foLn] v'nf ahf/ cfoft Ohfht (OGL) Joj:yf cg'?k a}+s Uof/]06L, k|tLtkq, Stand by k|tLtkq / 8«fkm\6÷l6=l6=sf] dfWodaf6
k|rlnt Joj:yf adf]lhd rfFbL cfoft ug{ ;Sg]5g . o;/L cfoft ul/Psf] rfFbL Joj;flo
:jod\n] u/u/uxgf, x:tsnf nufotsf ;fdfg agfO{ ljqmL ug{{ jf To:tf] agfpg]
Joj;foLnfO{ laqmL ug{ / To:tf ;fdfg lgof{t ug{] k|of]hgsf] nflu dfq k|of]u ug{'kg]{5 .
-v_ a}+sx?n] cfoft ug]{ rfFbL / ;f]sf] d"No lgwf{/0f M afl0fHo a}+sx?n] ;fgf ;'grfFbL
Joj;flonfO{ dfq ljqmL ug]{ k|of]hgsf nflu v'nf ahf/ cfoft Ohfht (OGL) Joj:yf cg'?k a}+s Uof/]06L, k|tLtkq, Stand by k|tLtkq / 8«fkm\6÷l6=l6=sf] dfWodaf6 k|rlnt
Joj:yf adf]lhd rfFbL cfoft ug{ ;Sg]5g . o;/L cfoft ul/Psf] rfFbLsf] d"No lgwf{/0f
ubf{, cGt/f{li6«o d"No / cfoft ubf{ nfUg] nfut ;d]tnfO{ b[li6ut u/L k|ltikwL{ d"No
lgwf{/0f ug{'kg]{5 .
-u_ afl0fHo a}+saf6 rfFbL vl/b ug{ ;lsg] M ;'grfFbLsf] sf/f]jf/df ;+nUg ;–;fgf Joj;foLn]
u/u/uxgf, x:tsnf nufotsf ;fdfg agfpg cfkm'nfO{ cfjZos kg]{ rfFbL a}+sx?af6
dfl;s ! lsnf]u|fd ;Dd vl/b ug{ ;Sg]5g . jfl0fHo a}+sx?n] o;/L Joj;flonfO{ rfFbL
ljqmL ubf{ ;DalGwt ;'grfFbL Joj;foLsf] Joj;fo btf{ k|df0fkq, s/ btf{ k|df0fkq, s/
r'Qmf k|df0fkq lnO{ a}+s vftf dfkm{t sf/f]jf/ ug{'kg]{5 . ;fy}, a}+sn] o;/L rfFbL ljqmL ubf{
Joj;foLaf6 vl/b ul/Psf] rfFbL u/uxgf tyf x:tsnf nufotsf cGo ;/;fdfg agfO{
ljqmL ug{ jf To:tf ;fdfg agfO{ lgof{t ug{ afx]s cGo k|of]hgsf] nflu k|of]u jf ljqmL
ug]{ 5}g eGg] :j3f]if0ff ;d]t lng'kg]{5 .
72
cg';"rL $=!
-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-$_ k|of]hgsf nflu_
Name of the Concern:
Nepal Government Regd. No.: Address:
Invoice No./Cash Memo No.: Date:
We hereby certify that we have today sold following Gold Jewellery to:
Local Sales Nationality:
M/S Tel. No.:
Passport No.:
Local Address:
Home Address: Mode of payment: (Give full details):
Exports
M/S:
Address:
No.
Name of
the
Goods
Total
Weight
in Grams
Net Weight of gold
contained
in Grams
Quantity
Price
per
Item
Total
Price
Buyer's Signature Seller's Signature
(In case of local sales)
Note to the Buyer:
Please submit first and second copy of this receipt to Nepalese Customs at the time of your
departure.
73
cg';"rL $=@
-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-$_ k|of]hgsf nflu_
:yfgLo ljqmL÷lgof{tsf] nflu ;'g cfk"lt{ ljj/0f
>L ==== ===== ===== ====
==== ==== ===== ==== .
dxfzo,
;'gsf u/uxgf lgof{t ug{sf] nflu k|fKt x'g cfPsf] clu|d e'QmfgL÷:yfgLo ljqmLaf6 hDdf ePsf] kl/jTo{
ljb]zL d'b|f÷k|fKt x'g cfPsf] k|tLtkqsf] cfwf/df ;'g pknAw u/fO{ lbgx'gsf] nflu cg'/f]w ub{5' . pknAw ;'gaf6
ag]sf u/uxgf tyf snfTds j:t'x¿ lgof{t÷ko{6snfO{ ljqmL ug]{ afx]s cGo sfddf k|of]u ug]{ 5}g .
!= ;'gsf u/uxgf lgof{tsf nflu k|fKt ePsf] k|tLtkq jf clu|d e'QmfgL ljj/0f M
-s_ k|tLtkq � clu|d e'QmfgLsf] gDj/ ===========
-v_ s'n d"No -ljb]zL d'b|f_ ============
-!_ Pkm=cf]=jL=d"No ================
-@_ ef8f tyf jLdf ===============
@= :yfgLo ljqm]tfn] ko{6sx¿nfO{ ;'gsf u/uxgf ljqmL u/]sf] ljj/0f M
-s_ a}+sn] k|dfl0ft u/] cg';f/ hDdf ePsf] s'n kl/jTo{ ljb]zL d'b|f /sd ===========================
-v_ hDdf ePsf] ldlt ==========================
#= dfu ul/Psf] ;'gsf] kl/df0f -tf}n_ ===============
$= dfu ug]{ kmd{sf] gfd / 7]ufgf =====================
%= kmd{sf] btf{ g+= ==================
^= g]kfn /fi6« a}+ssf] Ohfhtkq ;+Vof / ldlt -:yfgLo ljqm]tfsf] xsdf_
lgj]bssf] b:tvt M
kmd{sf] 5fk M
ldlt M
a}+sn] k|dfl0ft ug'{kg]{ M
dfly pNn]v eP adf]lhdsf] ljj/0fsf] cfwf/df lghnfO{ k|fKt x'g cfPsf] clu|d e'QmfgLsf]÷:yfgLo
ljqmLaf6 hDdf ePsf] /sdsf]÷k|tLtkqdf pNn]v ePsf] -() k|ltztn] x'g] /sddf ga9fO{_ cd]l/sL
8n/====================== d"No ========================= a/fa/sf] x'g] ======================= u|fd ;'g ljqmL u/]sf] k|dfl0ft ul/G5
.
clVtof/ k|fKt clws[tsf] b:tvt M
ldlt M
gfd M
kb M
a}+ssf] 5fk M
74
cg';"rL $=#
-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-&_ k|of]hgsf nflu_
kf; a'ssf] se/ k]hsf] gd"gf
;'g cfk"lt{ ;DaGwL kf;a's
lgof{tstf{ jf :yfgLo ljqm]tfsf] gfd M
7]ufgf M
kmd{ btf{ g+= M
kf; a's g+= M
ljj/0f ldlt M
ljt/0f ;+Vof M
g]kfn /fi6« a}+ssf] Ohfhtkqsf] ;+Vof / ldlt M
-:yfgLo ljqm]tfsf] xsdf_
kf;a'ssf] leqL k]h
clu|d e'QmfgL
k|df0fkq÷k|tL
tkqsf]
gDj/
:yfgLo ljqmLaf6
k|fKt
clu|d
e'QmfgL÷k|tLtkqsf]
/sd -lj=d'=_
;'g ljqmLsf] ljj/0f
ljqmL ug]{
a}+ssf]
clws[tsf]
b:tvt /
5fk
lgof{t
u/]sf]
ldlt
k|tLtkqaf6
k|fKt e'QmfgL
-lj=d'=_
ldlt kl/df
0f d"No ldlt /sd
lgof{t u/]sf] ldlt eG;f/ sfof{non] k|dfl0ft u/]sf] cfwf/df a}+sn] b/kL7 ug'{kg]{ .
75
cg';"rL $=$-s_
-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-*_ k|of]hgsf nflu_
lgof{t k|tLtkqsf] cfwf/df ;'g ljqmL u/]sf] cj:yfdf /fVg'kg]{ clen]vsf] 9fFrf
ldlt
lgof{tstf{sf]
gfd / 7]ufgf
lgof{t
k|tLtkq
gDj/
lgof{t k|tLtkqdf
pNn]v ePsf] /sd
kl/jTo{ lj=d'=
;'g ljqmL
u/]sf]
ljj/0f
lgof{t
ePsf]
ljj/0f
e'QmfgL
k|fKt
kl/jTo{
lj=d'=
F.O.B.
d"No
ef8
f
hDdf
d"No
kl/df
0f d"No ldlt d"No ldlt /sd
76
cg';"rL $=$-v_
-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-*_ k|of]hgsf nflu_
clu|d e'QmfgL k|df0fkqsf] cfwf/df ;'g ljqmL u/]sf] cj:yfdf /fVg'kg]{ clen]vsf] 9fFrf
ldlt lgof{tstf{sf]
gfd
clu|d e'QmfgL
k|df0fkqsf] gDa/
/ ldlt
clu|d e'QmfgL k|df0fkq
cg';f/
kl/jTo{ lj=d'=
;'g ljqmL ljj/0f
lgof{t
ePsf]
ljj/0f
F.O.B.
d"No ef8f hDdf
d"No kl/df0f
d"No
lj=d'=df ldlt d"No
lgof{t u/]sf] ldlt eG;f/ sfof{non] k|dfl0ft u/] cg';f/ .
77
cg';"rL $=$-u_
-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-*_ k|of]hgsf nflu_
:yfgLo ljqm]tfx¿nfO{ ;'g ljqmL u/]sf] cj:yfdf /fVg'kg]{ clen]vsf] 9fFrf
ldlt
:yfgLo ljqm]tfsf]
gfd, 7]ufgf tyf
Ohfhtkq ;+Vof
cg';"rL ! adf]lhd /;Lb cg';f/
ljqmL ePsf] ljj/0f
a}+sdf hDdf
u/]sf]
lj=d'=
;'g ljqmL
/;Lb
;+Vof kl/df0f
d"No -
lj=d'=_ ldlt /sd kl/df0f
d"No
-lj=d'=_
78
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)%÷@)&$
lgof{t ;DaGwL Joj:yf .
g]kfnaf6 dfn;fdfg lgof{t ug]{ ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{
u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{+ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6«
a}+s a}+lsË sfof{no nufot lhNnfl:yt sfof{nox? / o; a}+saf6 Ohfhtkqk|fKt æsÆ ju{sf tyf /fli6«o
:t/sf ævÆ ju{sf ljsf; a}+sx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
-!_ lgof{tstf{x¿sf] nflu clu|d e'QmfgL k|df0fkq hf/L ug]{ ;DaGwL Joj:yf M
k|rlnt Joj:yf adf]lhd dfn;fdfg lgof{t ug]{ k|of]hgsf] nflu g]kfnL lgof{tstf{x¿sf] gfddf
clu|d e'QmfgLsf] k|df0f kq (Advance Payment Certificate) hf/L ug]{ ;DaGwdf b]xfo adf]lhd
ug{'kg]{5 .
-s_ a}+s tyf ljQLo ;+:yfx¿ dfk{mt k|of]hg v'Ng] u/L b]xfo adf]lhd k|fKt ePsf kl/jTo{ ljb]zL
d'b|fsf] cfwf/df dfq clu|d e'QmfgL k|df0fkq hf/L ug'{ kg]{5 M
-!_ g]kfnL lgof{tstf{n] lglZrt dfn;fdfg lgof{t ug]{ k|of]hgsf] nflu ljb]zl:yt
cfoftstf{;Fu ePsf] ;Demf}tf÷;xdtL÷vl/b cfb]z nufot vl/b÷ljqmL ug]{ Joxf]/f
k'li6 x'g] cGo sfuhftsf] cfwf/df k|fKt x'g] kl/jTo{ ljb]zL d'b|f
-@_ o; ljefuaf6 hf/L O=k|f=kl/kq ;+Vof !% sf] bkmf -@_ adf]lhd ljb]zL d'b|fsf 8]lj6
qm]l86 sf8{ nufot cgnfOg e'StfgL dfkm{t k|fKt x'g] kl/jTo{ ljb]zL d'b|f .
-#_ :yfgLo laq]mtf, sDkgL÷kmd{n] k|rlnt lgof{tsf] k|s[of ckgfO{ ko{6ssf] cfb]z
adf]lhd cfk}mFn] ljb]zl:yt 7]ufgfdf k7fpg] k|of]hgsf] nflu ko{6s;Fu ePsf]
;xdtL÷;Demf}tf jf cGo sfuhftsf] cfwf/df ;DalGwt ko{6ssf] le;f ;lxtsf]
/fxbfgLsf] k|ltlnlk / laq]mtfn] hf/L u/]sf] aLn÷aLhssf] k|ltlnlk ;lxt k|fKt x'g]
kl/jTo{ ljb]zL d'b|f . o:tf] ljb]zL d'b|f gub} a'emfpg] ePdf k|lt ko{6s cd]l/sL
8n/ %,))).– -kfFrxhf/_ jf ;f] a/fa/ cGo ljb]zL d'b|f :jLsf/ ug{ ;lsg]5 . ;f]
eGbf a9L /sdsf] xsdf lgh ko{6s g]kfn k|j]z ubf{ :j3f]if0ff (Declare) u/L NofPsf] k|df0fsf] cfwf/df dfq :jLsf/ ug'{ kg]{5 .
-v_ clu|d e'QmfgL k|df0fkq hf/L ubf{ ;+nUg cg';\"rL %=! adf]lhdsf] 9fFrfdf a}+s ljQLo ;+:yfn]
cfk\mgf] sfof{no sf]8 g+= ;d]t pNn]v u/L l;nl;n]jf/ gDa/sf] clen]v /fv]/ hf/L ug'{
kg]{5 . clu|d e'QmfgL k|df0f–kq hf/L ug{ cfjZos kg]{ ljj/0f v'Ng] sfuhft gePsf]
cj:yfdf ;Dk"0f{ lhDd]jf/L cfk}mFn] lng' kg]{ zt{df ;DalGwt lgof{tstf{af6 lnlvt :j3f]if0ff
u/fO{ o:tf] k|df0fkq hf/L ug{ ;lsg]5 .
-u_ Pp6f eG;f/ sfof{nol:yt gfsfaf6 dfn;fdfg lgsf;L ug]{ k|of]hgsf] nflu hf/L ePsf]
clu|d e'QmfgL k|df0fkqaf6 k"/} jf cf+lzs /sdsf] lgsf;L cGo eG;f/ sfof{nol:yt
gfsfaf6 ug'{ k/]df o:tf] Joxf]/f k'li6 x'g] sfuhft jf ;Dk"0f{ lhDd]jf/L cfk}m lng] lnlvt
79
:j3f]if0ff lgof{tstf{af6 u/fO{ klxn] hf/L ePsf] clu|d k|df0fkqsf] ;Ssn} k|lt lkmtf{ lnO{
;f] Joxf]/f hgfO{ lgsf;L ug{ afFsL /sdsf] csf]{ clu|d e'QmfgL k|df0fkq hf/L ug{ ;lsg]5 .
-3_ h'g a]+}s÷ljQLo ;+:yfdf clu|d e'QmfgL afktsf] kl/jTo{ ljb]zL d'b|f k|fKt ePsf] xf], ;f]xL
a]+}s÷ljQLo ;+:yfn] dfq clu|d e'QmfgL k|df0fkq hf/L ug'{ kg]{5 .
-ª_ ljb]zl:yt e'QmfgL k7fpg] kIf jf cfoftstf{;Fu ePsf] ;Demf}tf÷;xdtL jf Joxf]/f k'li6 x'g]
cGo sfuhftsf] cfwf/df Pp6} clu|d e'QmfgLaf6 ljleGg kIfsf] gfddf / PseGbf a9L
e'QmfgLsf] cfwf/df Pp6} kIfsf] gfddf ;d]t lgof{t ug{ ;lsg] u/L clu|d e'QmfgL k|df0f–kq
hf/L ug{ ;lsg]5 .
-r_ clu|d e'QmfgL k|df0fkq hf/L ug]{ a}+s ljQLo ;+:yfn] clu|d e'QmfgLsf] cfwf/df lgof{t u/]sf]
k'li6 x'g] sfuhft clgjfo{ ¿kdf lnO{ clen]v /fVg' kg]{5 .
-5_ clu|d e'QmfgL afkt lgsf;L ug'{ kg]{ s'n /sdsf] s]xL k|ltzt dfq /sd k|fKt eO{ clu|d
e'QmfgL /sd eGbf a9L /sdsf] ;fdfg lgsf;L ug'{ kg]{ cj:yfdf a9L /sdsf] nflu k|rlnt
Joj:yf adf]lhd Cash Against Document (CAD) cg'dlt kq ;d]t hf/L ug'{ kg]{5 .
-h_ dfyL v08 -5_ adf]lhd CAD cg'dlt hf/L ePsf] cfwf/df x'g] lgof{t tyf ;f]sf] e'QmfgL
;DaGwdf k|rlnt Joj:yf adf]lhd ug'{ kg]{ sfdsf/jfxL a}+s ljQLo ;+:yfsf] ;DalGwt
sfof{noaf6} ug'{ u/fpg' kg]{5 .
-em_ lgof{t k|of]hgsf] nflu k|fKt x'g] clu|d e'QmfgL / CAD dfk{mt k|fKt x'g] e'QmfgLaf6 k|rlnt
Joj:yf adf]lhd ljb]zL d'b|f vftf vf]Ng / e}/x]sf] To:tf] vftfdf hDdf ug{ tyf To:tf]
vftfaf6 k|rlnt Joj:yf adf]lhd vr{ ug{ ;d]t ;lsg]5 .
-`_ lgof{t k|of]hgsf] nflu /sd k|fKt ePsf] ! dlxgf leqdf clu|d e'StfgL k|df0fkq hf/L
ul/;Sg'kg]{5 . o:tf] clu|d e'StfgL k|df0fkqsf] cjwL a9Ldf @ -b'O{_ jif{sf] x'g]5 . tf]lsPsf]
Dofbleq lgof{t ug{ g;sL lgof{tstf{n] gjLs/0fsf] nflu cg'/f]w u/]df lgof{t ug{ afFsL
/sdsf] Ps k6s a9Ldf ! -Ps_ jif{eGbf ga9\g] u/L ;DalGwt a}+s ljQLo ;+:yfn]] gjLs/0f
ug{ ;Sg]5g\ . pQm ;dofjlw ;Dd klg lgof{t x'g g;s]df ;DalGwt cfoftstf{af6 ;fdfg
lgof{t gePsf] kq tyf lgof{tstf{af6 ;d]t ;f]sf] :j3f]if0ff / ljb]zL d'b|f ckrng gePsf]
;d]t :j3f]if0ff lnO{ yk ! jif{sf] nflu gjLs/0f ug{ ;lsg]5 .
6_ h'g;s} kl/jTo{ ljb]zL d'b|fdf /sd k|fKt ePsf] ePtf klg h'g kl/jTo{ ljb]zL d'b|fdf ;fdfg
lgsf;L ug'{ kg]{ xf] k|rlnt ljlgdob/n] u0fgf u/L ;f]xL d'b|fsf] clu|d e'QmfgL k|df0fkq
hf/L ug'{ kg]{5 . t/ ef/tLo d'b|fdf k|fKt ePsf] /sdsf] cfwf/df cGo kl/jTo{ ljb]zL d'b|fdf
eg] o:tf] k|df0fkq hf/L ug{ ldNg] 5}g .
7_ clu|d e'QmfgL k|fKt ePsf] ljb]zL d'b|f k"/} jf cf+lzs ¿kdf lkmtf{ ug'{ k/]df e'QmfgL k7fpg]
kIfn] ;DalGwt a}+s ljQLo ;+:yf jf ;DalGwt lgof{tstf{ dfk{mt cg'/f]w u/]df b]xfo
adf]lhdsf] k|s[of k"/f u/L ;DalGwt a}+s ljQLo ;+:yf cfk}mn] lkmtf{ ug{ ;Sg]5g\ . o;/L
lkmtf{ u/]sf] ljb]zL d'b|fsf] dfl;s ljj/0f ;+nUg cg';"rL %=@ adf]lhdsf] 9fFrfdf k|To]s
dlxgf ;lsPsf] & lbgleq o; ljefusf] lg/LIf0f tyf cg'udg kmfF6df k7fpg' kg]{5 .
-!_ ljb]zaf6 clu|d e'QmfgL k7fpg] kIfsf] cg'/f]w adf]lhd lkmtf{ k7fpg' kg]{5
-@_ h'g ljb]zL d'b|fdf /sd k|fKt ePsf] xf] ;f]xL d'b|fdf dfq lkmtf{ ug'{ kg]{5
-#_ clu|d e'QmfgL k|fKt ePsf] olsg u/L lelqPsf] ljb]zL d'b|feGbf a9L gx'g] u/L lkmtf{
ug'{ kg]{5 .
-$_ lkmtf{ ug'{ kg]{ /sdsf] ;fdfg lgsf;L gePsf] k|df0f cyf{t\ clu|d e'QmfgL k|df0fkqsf]
;Ssn k|ltdf eG;f/ sfof{noaf6 u/]sf] b/kL7 osLg u/]/ dfq /sd lkmtf{ ug'{
kg]{5 . o;/L /sd lkmtf{ ubf{ pQm k|df0fkqsf] ;Ssn} k|lt lkmtf{ lnO{ /2 ug'{sf ;fy}
80
lkmtf{ u/]sf] /sd / Joxf]/f pNn]v u/L ;DalGwt kmfOndf clen]v ug'{ kg]{5 . o;/L
/2 u/L /sd lkmtf{ u/]sf] Joxf]/f plNnlvt pQm k|df0fkqsf] k|ltlnlk lgof{tstf{nfO{
cfjZos k/]df k|dfl0ft u/L pknAw u/fpg' kg]{5 .
-%_ /sd lkmtf{ ubf{ ;DklQ z'4Ls/0f -dlg nfp08l/ª_ lgjf/0f P]g, @)^$ -;+zf]wg
;lxt_ nufotsf k|rlnt sfg"gdf ePsf Joj:yfx¿sf] kfngf ug'{ kg]{5 .
-@_ lgof{t k|tLtkq k|dfl0ft ul/lbg] ;DaGwL Joj:yf M
lgof{t k|tLtkq k|dfl0ft ug]{ sfo{ æsÆ ju{sf a}+sn] ug{ ;Sg]5g . To:tf a}+sn] o:tf] aLnsf]
sf/f]jf/ ubf{ eG;f/ k|of]hgsf] lgldQ hf/L ug]{ lgof{t k|tLtkq k|dfl0ft ug]{ ;DaGwdf lgDg
adf]lhdsf] Joj:yf cg'?k ug{'kg]{ 5 .
-s_ lgof{t k|tLtkq k|fKt ug]{ lgof{tstf{n] pQm k|tLtkqaf6 ug]{ lgof{t sf/f]jf/sf]
Documents Negotiate u/fpg cyjf Collection df k7fpg a}+sdf cg'/f]w u/]df dfq
eG;f/ k|of]hgsf] lgldQ k|tLtkq k|fKt ePsf] k|df0fkq hf/L ul/lbg] .
-v_ lgsf;Lstf{n] Documents Negotiate u/fpg cyjf ;+sng Collection df k7fpg a}+sdf
gcfpg] ePdf h'g a}+sdf sf/f]jf/ ug{ hfg] xf] ;f]xL a}+sdf lgof{t k|tLtkq Advice k7fpg'
kg]{5 . ;fy}, pQm s'/fsf] clen]v (Record) /fVg'kg]{5 .
-u_ pko'{Qm adf]lhd csf]{ a}+saf6 Advice eO{ k|fKt ePsf] lgof{t k|tLtkqaf6 lgsf;Lstf{n]
;f]xL a}+sdf lgof{t aLn sf/f]jf/ ug]{ ePdf dfq eG;f/ k|of]hgsf] lgldQ lgof{t k|tLtkq
k|fKt ePsf] k|df0fkq hf/L ug{' kg]{5 .
-3_ eG;f/ k|of]hgsf] lgldQ a}+sn] hf/L u/]sf] k|df0fkqx¿af6 ;fdfg lgsf;L u/]kl5
lgsf;Lstf{n] lgof{t aLn k]z ug{ cfP÷gcfPsf] af/] a}+sn] lgoldt cg'udgsf] Joj:yf
ldnfpg' kg]{5 .
-ª_ lgof{t k|tLtkq vf]n]sf] / b[Zo lgof{t -Tangible_ af6 x'g] kl/jTo{ ljb]zL d'b|fsf] cfDbfgL
ljj/0f ;DaGwL ;+nUg 9fFrf adf]lhdsf] lj=lj=lg=kmf=g+= ! / lj=lj=lg=kmf=g+=@ ;fKtflxs
?kdf o; a}+sdf k7fpg' kg]{5 .
-#_ DEEMED EXPORT nfO{ lgof{t ;/x dfGotf lbg] ;DaGwL Joj:yf M
s'g} g]kfnL pTkfbgstf{n] cfˆgf] pTkflbt j:t' Unf]an 6]08/ jf nf]sn 6]08/ jf cfk"lt{ ;Demf}tfsf]
dfWodaf6 låkIfLo jf jx'kIfLo ;xfotf cGtu{t ;~rflnt cfof]hgfx¿ Jff ljb]zL ;/sf/ jf
ljb]zL ;+3÷;+:yfx¿åf/f kl/jTo{ ljb]zL d'b|fdf vr{ Joxf]g]{ u/L ;~rflnt cfof]hgfx¿nfO{ kl/jTo{
ljb]zL d'b|f cfh{g x'g]ul/ a]rlavg u/]df o; k|sf/sf] ljqmLnfO{ lab]z lgof{t eP ;/x (DEEMED
EXPORT) dflgg]5 .
pko{'Qmfg';f/ cfh{g ePsf] kl/jTo{ ljb]zL d'b|faf6 k|rlnt Joj:yf cGtu{t kl/jTo{ ljb]zL
d'b|fsf] vftf vf]nL ;f] vftfdf hDdf ug{ ;Sg]5g .
-$_ tof/L kf];fssf] lgof{t sf/f]jf/ ;DaGwL Joj:yf M
-s_ CMTP (Cutting, Manufacturing, Trimings and Profit) Joj:yf M
tof/L kf];fs lgof{tstf{x¿nfO{ CMTP (Cutting, Manufacturing, Trimings and Profit) sf]
cfwf/df FOC (Free of Cost) df sk8f cfoft u/L CMTP cGtu{t lgof{t ePsf tof/L
kf];fssf] lgof{t sfuhftx¿ æsÆ ju{sf a}+sn] lgDg zt{gfdfx¿ cGtu{t /xL
Negotiation/ Collection ug{ ;Sg]5g M
-!_ lgof{t k|1fkgkq clgjfo{ ?kn] k]z ug'{kg]{
-@_ k|1fkgkqdf Fabric/CMTP d"No 5'§f5'§} v'n]sf] x'g'kg]{
-#_ s'n FOB d"Nosf] Go"gtd #% -k}+tL;_ k|ltzt CMTP x'g'kg]{
81
-$_ CMTP Component dWo] k"/} jf cf+lzs e'QmfgL k|fKt gePdf k|rlnt Joj:yf
cg';f/ ug'{kg]{
-v_ Third Party Document Negotiation ug{ gkfOg] M cfoftstf{af6 tof/L kf];fs lgof{t ug]{ pBf]u jf kmd{sf] gfpFdf k|fKt x'g] k|tLtkq
cGtu{t Third Party Document Negotiation ug{ gkfOg] Joj:yf ldlt @)%).(.!& b]lv
nfu' /x]sf] x'Fbf o:tf k|tLtkqx¿df Third Party Document Negotiation Acceptable eGg]
Joxf]/f pNn]v ePtfklg To:tf Documents sf] Negotiation ug{ jf ;+sngfy{ :jLsf/ ug{
eg] kfOg] 5}g .
-%_ lgof{tsf] sf/f]jf/ ug]{ tyf e'QmfgL k|fKt ug]{ ;DaGwL Joj:yf M
ef/t afx]s cGo d'n'sx¿df lgof{t ePsf] j:t'x¿sf] e'QmfgL tf]lsPsf] cjlwleq k|fKt ePsf] jf
gePsf] af/]df æsÆ ju{sf a}+sx?n] lgoldt ?kn] cBfjlws hfgsf/L lng] ;DaGwdf lgDgfg';f/
ug{'kg]{5 .
s= k|tLtkqsf] cfwf/df lgof{t ePsf] dfn;fdgx¿sf] Documents Negotiate u/]kl5
plNnlvt ldlt leq e'QmfgL k|fKt x'g gcfPdf sf/0f ;lxt To:tf] lgof{tstf{x¿sf] ljj/0f
lgoldt ?kn] o; ljefunfO{ hfgsf/L u/fpg' kg]{5 .
v= Documents Collection df k7fPsf] xsdf lgof{tstf{af6 pQm Documents Collection df
k7fpg'sf] sf/0f / e'QmfgL k|fKt x'g] ;Defljt cjlw clgjfo{ ?kn] pNn]v u/fpg'kg]{ / ;f]
cjlw leq -lgof{t ePsf] ldltn] ^ dlxgf ggf£g] u/L_ e'QmfgL k|fKt gePdf To:tf
lgof{tstf{x¿sf] ljj/0f lgoldt ?kn] o; ljefunfO{ hfgsf/L u/fpg' kg]{5 . pko{'Qm
ljj/0fx¿ o;};fy ;+nUg lj=lj=lg=kmf=g+= @-s_ cg';f/sf] 9fFrfdf dfl;s ?kn] dlxgf
;dfKt ePsf] & -;ft_ lbgleq o; ljefunfO{ pknJw u/fpg' kg]{5 .
u= Export Documents Negotiate eO{ jf Collection sf] nflu k7fPsf] xsdf e'QmfgL k|fKt
x'Fbf 8s'd]G6df pNn]lvt /sdeGbf sd kl/df0fsf] ljb]zL d'b|f k|fKt ePsf] 5 / o;/L
Shortfall ePsf ljifox¿ cfoftstf{;Fu ;DalGwt afl0fHo a}+sx¿n] ljleGg Charges afkt s§f u/]sf] /sdsf] sf/0fn] ePsf] /x]5 eg] o:tf ljifox¿nfO{ Shortfall sf]
Category df g/fVg] / ;DalGwt a}+s :jod\n] 6'Ëf] nufpg ;Sg]5 . t/, o;/L 6'Ëf]
nufpFbf ;DalGwt a}+sx¿n] Shortfall ePsf] /sd ljb]zl:yt Correspondent a}+sx¿sf]
Charges dfq xf] / o;df ljb]zL cfoftstf{x¿sf] tkm{af6 s§f u/]sf] /sd ;dfj]z 5}g
eGg] osLg ug'{ kg]{5 .
3= Negotiate ePsf jf Collection df k7fOPsf s'g} klg lgof{t Documents sf] e'QmfgL k|fKt
xF+'bf Document df pNn]v ePsf] ljb]zL d'b|f /sdsf] b'O{ k|ltzt jf cd]l/sL 8n/
!,))).– -jf ;f] ;/xsf] cGo kl/jTo{ ljb]zL d'b|f_ ;Dd h'g a9L x'G5, ;f]xL /sd a/fa/sf]
sd e'QmfgL k|fKt x'g] cj:yf ePdf jf k|fKt ePdf ;DalGwt sfuhftx¿ cWoog u/L
pko'Qm 7xl/Psf] v08df / lgof{tstf{sf] klg ;xdlt ePdf a}+s :jod\n] To:tf] ljb]zL
d'b|f e'QmfgL :jLsf/ u/L ;DalGwt lgof{tstf{nfO{ e'QmfgL lbg ;Sg]5 . ;fy}, o;/L sd
e'QmfgL Nofpg] lx;fj ubf{ k|To]s k|tLtkqsf] 5'§f5'§} lx;fj ug'{kg]{5 .
ª= o;/L lgof{tsf] e'QmfgL k|fKt ubf{ k|lt 8s'd]G6 dfly pNn]v ul/P cg'?ksf] /sdeGbf a9L
/sd Go"g (Shortfall) x'g] ePdf o; ljefusf] :jLs[lt clgjfo{ ?kdf lng'kg]{5 . dfly
pNn]v eP cg';f/ sd e'QmfgL k|fKt ePsf] ljj/0f lj=lj=lg=kmf=g+=@-s_ sf] 9fFrfdf o;
ljefunfO{ pknAw u/fpg'kg]{5 .
r= g]kfnL lgof{tstf{x¿sf] gfddf k|fKt x'g] k|tLtkqx¿df Xof08lnË rfh{ jf sld;g OToflb
afkt egL ljb]zL d'b|fsf] /sd s§f x'g] jf e'QmfgL ug'{kg]{ zt{x¿ /flvPsf] 5 eg] To:tf
82
k|tLtkqx¿ :jLsf/ ug{ gldNg] . t/ o;/L s§f x'g] jf e'QmfgL ug'{ kg]{ /sd 8s'd]06sf]
b'O{ k|ltzt jf cd]l/sL 8n/ !,))).– -h'g a9L x'G5_ gf3\b}g eg] To:tf k|tLtkqx¿
:jLsf/ ug{ a}+sx¿nfO{ afwf kg]{ 5}g . -^_ bfnhGo j:t'x?sf] lgof{t ;DaGwL Joj:yf .
g]kfn ;/sf/, jfl0fHo tyf cfk"lt{ dGqfnosf] ldlt @)^&.@.# sf] lg0f{ofg';f/ /x/sf] bfn afx]s
cGo ;a} k|sf/sf bfnhGo j:t'x?sf] lgsf;L v'nf ul/Psfn] ;f]xL adf]lhd /x/sf] bfn afx]s cGo
bfnhGo j:t'x?sf] lgsf;L ;DaGwL sf/f]jf/ ug{ ;lsg] 5 .
-&_ Cash Against Documents (CAD) sf] cfwf/df dfn;fdfg lgof{t ;DaGwL Joj:yf M
CAD cGtu{t ef/tafx]s cGo d'n'stkm{ lgof{t ug{ rfxg] lgof{tstf{x¿sf] nflu lgDg lnlvt
zt{x¿ kfngf ug'{kg]{ u/L To:tf] lgof{t cg'dlt ;DalGwt a}+s÷ljQLo ;+:yfx¿ dfkm{t k|fKt ug{
;lsg] 5 .
-s_= Ps k6sdf a9Ldf cd]l/sL 8n/ %,)),))).– -cd]l/sL 8n/ kfFr nfv_ ;Ddsf] ;fdfg
lgof{t ug{ cg'dlt k|bfg ug{ ;lsg]5 .
-v_ lgj]bg;fy cBfjlws btf{ k|df0fkq / cfos/ btf{ k|df0fkqsf] k|ltlnlk ;+nUg x'g'kg]{5 .
-u_ lgof{t ug{ dfu ePsf] /sdnfO{ k'li6 ug]{ aLhs (Invoice) jf ljqmL ;Demf}tf (Sales
Contract) jf v/Lb cfb]z (Purchage Order) ;+nUg x'g'kg]{5 .
-3_ lgof{t cg'dlt hf/L ubf{ lgof{t /sdnfO{ vfDg] u/L jLdf ul/Psf] x'g'kg]{ 5 .
-ª_ lgof{t d"Nosf] ! k|ltztn] x'g] /sd a/fa/sf] gub jf artkq jf ljsf; C0fkq jf
;DalGwt a}+s÷ljQLo ;+:yfnfO{ dfGo x'g] ;'/If0fkq w/f}6Lsf] ¿kdf lng'kg]{5 .
-r_ o:tf] lgof{tsf] e'QmfgL k|fKt ePkl5 w/f}6L km's'jf ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] ug{
;Sg]5 .
-5_ lgof{t cg'dltkq hf/L ePsf] ldltn] ^ -5_ dlxgfleq lgof{t d"No a/fa/sf] /sd e'QmfgL
gcfPdf ;DalGwt a}+s÷ljQLo ;+:yfn] To:tf] gub w/f}6L jf ;'/If0fkqx¿ /f]Ssf u/L] ;f]sf]
ljj/0f & -;ft_ lbgleq o; ljefudf k]z ug{'kg]{5 .
-h_= a}+s Uof/]G6Lsf] cfwf/df lgof{t ug'{k/]df o; a}+ssf] k"j{ :jLs[lt lng'kg]{5 .
-em_ a}+s÷ljQLo ;+:yfx¿n] lgof{t cg'dltkq hf/L ubf{ lgof{tstf{ kf6L{n] h'g eG;f/
sfof{noaf6 ;fdfg lgof{t ug]{ xf], ;f] eG;f/ sfof{nosf] gfddf dfq o;};fy ;+nUg
cg';\"rL %=^ cg';f/sf] lgof{t cg'dltkq hf/L ug'{kg]{5 .
-*_ lgof{t ug]{ eG;f/ ljGb' ;DaGwL Joj:yf M
k|tLtkq dfkm{t ;fdfg lgof{t ubf{ cfoft ug{ tf]lsPsf O=k|f=kl/kq ;+Vof ! sf] bkmf ! sf]
pkbkmf !=!=! sf] v08 -u_ adf]lhdsf eG;f/ laGb'x? g} ef/tLo aGbufx eO{÷jf geO{ t];|f] d'n's
lgof{t x'g] Jofkfl/s ;fdfgsf] xsdf klg k|of]u ug'{ kg]{ 5 .
83
cg';"rL %=!
-O=k|f= kl/kq ;+VofM % sf] bkmf !-v_ sf] k|of]hgsf] nflu_
===============a}+s÷ljQLo ;+:yfsf] gfd
============sfof{no÷zfvf
a}+s tyf ljQLo ;+:yf sfof{nosf] sf]8 g+=÷k|df0fkqsf] l;nl;n]jf/ gDa/ M
lgof{tsf] nflu clu|d e'QmfgL k|df0fkq
ldlt M
>L g]kfn ;/sf/
================eG;f/ sfof{no
-7]ufgf_
dxfzo,
To; eG;f/ sfof{no dfk{mt lgsf;L x'g] u/L tkl;n adf]lhd clu|d e'QmfgL k|fKt ePsf]n] of]
k|df0f–kq hf/L ul/Psf] 5 . ;fdfg lgsf;L eP cg'¿ksf] Joxf]/f tn plNnlvt dxndf k|dfl0ft ;d]t
ul/lbg' x'g cg'/f]w ub{5f}F .
s|=;+= ljj/0f ljj/0f
1 e'QmfgL k|fKt ug]{ lgof{tstf{sf] gfdM
a}+s sfof{nodf /x]sf] vftf gDa/M
e'QmfgL k|fKt ljb]zL d'b|f /sdM
/sd hDdf ePsf] ldltM
2 e'QmfgL k7fpg] kIfsf] gfdM
7]ufgfM
lgof{t ul/g] ;fdfgsf] gfdM
kl/df0fM
d"NoM
9'jfgL z'NsM
jLdf z'NsM
3 e'QmfgL k7fpg] a}+s ljQLo ;+:yfsf] gfdM
7]ufgfM
/sdsf] k|of]hgM
Ph]G;L vftfdf hDdf ePsf] ldltM
4 /sdfGt/ ePsf] dfWodM 8«fkm\6÷l6=l6=÷:jLkm\6, :yfgLo ljqmL, Epayment
5 ;fdfg k|fKt ug]{ ljb]zL kIfsf] gfdM
7]ufgfM
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
lgsf;L ePsf] eG;f/ sfof{noaf6 k|dfl0ft ljj/0f
plNnlvt k|df0fkq cg'¿k b]xfo adf]lhd lgsf;L ePsf] Jox]f/f k|dfl0ft ul/Psf] 5 .
l;=g+= lgof{t u/]sf] ldlt /sd -ljb]zL d'b|f_ lgof{t ug{ afFsL ljb]zL d'b|f eG;f/ clws[tsf] b:tvt tyf
sfof{nosf] 5fk
1
2
3
4
84
cg';"rL %=@
-O=k|f= kl/kq ;+VofM % sf] bkmf ! sf] v08 -7_ sf] k|of]hgsf] nflu_
=========a}+s tyf ljQLo ;+:yfsf] gfd
=========sfof{no÷zfvf
>L g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu
dxfzo,
dfn;fdfg lgof{tsf] nflu o; sfof{no dfk{mt k|fKt ePsf] clu|d e'QmfgL /sddWo] b]xfo
adf]lhdsf] /sd kl/kqdf ePsf] Joj:yf adf]lhd lkmtf{ ul/Psf] Joxf]/f hfgsf/Lsf] nflu k]z u/]sf 5f}F .
l;=g+=
clu|d
e'QmfgL k|fKt
ldlt
ljb]zL d'b|f
g]=?=
clu|d
e'QmfgLsf]
k|df0fkq g+=
lkmtf{ u/]sf]
ljb]zL
lkmtf{ u/]sf]
g]=?=
s}lkmot
1
2
3
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
85
cg';"rL %=#
-O=k|f= kl/kq ;+VofM % sf] bkmf @ sf] v08 -ª_ sf] k|of]hgsf] nflu_
lj=lj=lg=kmf=g+= !
============ a}+s ln=
lgof{t k|tLtkq vf]n]sf] ljj/0f
-;fKtflxs_
============= ;fn ================= dlxgf ============= ut]
g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu .
lgof{t
k|tLtkq g+=
lgof{tstf{sf] gfd
7]ufgf
;fdfgsf]
b]z
k|tLtkq /sd Ph]G;L
a}+s
gfd kl/df0f ljb]zL d'b|f /sd
;f]sf] x'g] ?=
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
86
cg';"rL %=$
-O=k|f= kl/kq ;+VofM % sf] bkmf @ sf] v08 -ª_ sf] k|of]hgsf] nflu_
lj=lj=lg=kmf=g+= @
============ a}+s ln=
b[io lgof{taf6 x'g] kl/jTo{ ljb]zL d'b|fsf] cfDbfgL ljj/0f
-;fKtflxs_
============= ;fn ================= dlxgf ============= ut]
g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu
a}+ssf]
/]km/]G; g+
lgof{tstf{
sf] gfd
7]ufgf
k|tLtkq÷clu|d
e'QmfgL jf cGo
pNn]v ug]{
lgof{t
ldlt
lgof{t j:t'sf] /sd
Ph]G;L
hDdf
ldlt
gfd kl/df0f ljb]zL d'b|f
lj=d'=
/sd ;f]sf] x'g] ?=
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
87
cg';"rL %=%
-O=k|f= kl/kq ;+Vof % sf] bkmf % sf] v08 -v_ sf] k|of]hgsf] nflu_
lj=lj=lg=kmf=g+= @-s_
========================
=========================================
lgof{t e'QmfgL k|fKt x'g gcfPsf] dfl;s ljj/0f
@)=========b]lv @)========d;fGt;Dd
>L g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu .
ljifo M– Pkm=lj=Pg=÷Pkm=lj=;L= ljj/0f
sf/f]jf/ g+=
lgof{tstf{sf] gfd,
7]ufgf
lgof{t ePsf j:t'x¿sf]
ljj/0f g]uf]l;ozg
ldlt
e'QmfgL
cfpg'kg]{
ldlt
e'QmfgL
cfpg'kg]{
afFsL /sd
lkmtf{
cfPsf]
sf/0f lgof{t j:t'sf]
gfd
ljb]zL d'b|f
======================
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
88
cg';"rL %=^
-O=k|f= kl/kq ;+Vof % sf] bkmf & sf] k|of]hgsf] nflu_
lgof{t cg'dltkq
>L =================eG;f/ sfof{no
============================== .
ljifoM– CAD (Cash Against Documents) sf] cfwf/df dfn;fdfg lgsf;L ;DaGwdf .
dxfzo,
>L ================================== sf] ldlt ================================== sf] lgj]bgaf6 dfu eO{ cfP
cg';f/ pQm pBf]u÷kmd{nfO{ CAD cGtu{t ========================= d"No a/fa/sf] ====================== ;fdfg To;
eG;f/ sfof{noaf6 lgsf;L ug{ :jLs[lt lbOPsf] Joxf]/f cg'/f]w ub{5' .
ejbLo,
============= ===============
cflwsfl/s b:tvt cflwsfl/s
b:tvt
af]wfy{ M–
!= >L ==================================
=========================================== .
89
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)^÷@)&$
lgof{tdf gub k|f]T;fxg ;DaGwL Joj:yf
!= lgof{tdf clej[l4 u/L Jofkf/ 3f6f sd ub}{ zf]wgfGt/ l:ytdf ;'wf/ Nofpg] p2]Zon] g]kfn ;/sf/
-dGqL kl/ifb_ af6 lg0f{o eO{ o;};fy ;+nUg ælgof{tdf gub k|f]T;fxg ;DaGwL sfo{ljlw @)&)Æ df
pNn]v ePsf k|fjwfgx? b]xfo adf]lhd sfof{Gjog ug]{ u/fpg] Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{
u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn
/fi6« a}+s a}+lsË sfof{no nufot lhNnfl:yt sfof{nox? / o; a}+saf6 Ohfhtkqk|fKt æsÆ ju{sf
a}+sx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
-s_ lgof{tdf gub k|f]T;fxg ;DaGwL Joj:yf M
!= o;};fy ;+nUg sfo{ljlwdf pNn]v ePsf k|fjwfgx? o; a}+saf6 Ohfhtkqk|fKt æsÆ ju{sf
;a} jfl0fHo a}+sx?n] kfngf ug'{ kg]{5 .
@= ef/tLo d'b|fdf ePsf] lgof{tdf gub k|f]T;fxg pknJw u/fpg kfOg] 5}g .
#= j:t' lgof{t tyf ;f]sf] e'QmfgL h'g a}+s sfof{no dfk{mt ePsf] xf] ;f]xL a]+}+s sfof{no dfk{mt
dfq gub k|f]T;fxg pknJw u/fpg' kg]{5 .
$= gub k|f]T;fxg k|bfg ubf{ sfo{ljlwsf] bkmf # sf] pkbkmf -!_ adf]lhd g]kfn ;/sf/n] g]kfnL
?k}ofFdf gub k|f]T;fxg pknAw u/fpg] 5 . o; sfo{ljlwsf] cg';"rL ! / cg';"rL @ df ePsf]
Joj:yf cg'?k k|df0fsf] cfwf/df bkmf $ sf] pkbkmf -%_ df plNnlvt ljlgdo b/df dfq
k|bfg ug'{ kg]{5 .
%= gub k|f]T;fxg k|bfg u/L zf]wegf{sf] nflu sfo{ljlwsf] bkmf % sf] pkbkmf -!_ df plNnlvt
cg';"rL $ adf]lhdsf] 9fFrfdf o; ljefu ;dIf lbg] lgj]bg ;fy k|To]s zf]wegf{sf] nflu
b]xfosf sfuhftx? ;DalGwt a}+s sfof{non] k|dfl0ft u/L k]z ug'{ kg]{5 .
-s_ j:t' lgof{t ePsf] k|dfl0ft x'g] sfuhft .
-v_ pBf]u ljefuaf6 d"No clej[l4sf] k|ltzt lgwf{/0f ePsf] k|dfl0ft x'g] sfuhft .
-u_ lgof{t e'QmfgL afkt kl/jTo{ ljb]zL d'b|fdf k|fKt /sd / lgof{tstf{sf] vftfdf hDdf
u/]sf] ldlt k|dfl0ft x'g] sfuhft .
-3_ cfos/ r'Qmf ;DaGwL k|df0fkq .
^= sf7df08f} pkTosf aflx/l:yt a}+s sfof{nox?n] bkmf % adf]lhd zf]wegf{ dfu ubf{ cfˆgf]
s]Gb|Lo÷skf]{/]6 sfof{no dfk{mt jf ;f]e}m o; ljefudf lgj]bg k7fpg ;Sg]5g\ . t/, zf]wegf{
/sd eg] ;DalGwt a}+s sfof{nosf] s]Gb|Lo÷skf]{/]6 sfof{nosf] o; a}+ssf] a}+lsË sfof{no,
yfkfynLl:yt vftfdf dfq hDdf ul/g]5 .
&= ælgof{tdf gub k|f]T;fxg ;DaGwL sfo{ljlw @)&)Æ tyf o; kl/kqdf pNn]v ePsf k|fjwfg
tyf k|s[ofx? k"/f geO{ k|fKt ePsf lgj]bgsf] zf]wegf{ ul/g] 5}g .
90
*= o; ljefudf k|fKt ePsf l/tk"j{ssf lgj]bgx?sf] zf]wegf{ ubf{ g]kfn ;/sf/, cy{ dGqfnon]
o;} k|of]hgsf] nflu o; a}+snfO{ clu|d ?kdf pknJw u/fPsf] /sdn] vfd] ;Dd & -;ft_
sfo{lbgleq} e'QmfgL ul/g]5 .
@= g]kfn ;/sf/, pBf]u dGqfnoaf6 hf/L lgof{tdf gub k|f]T;fxg;DaGwL sfo{ljlw, @)&) b]xfo
adf]lhd /x]sf] 5 .
g]kfn ;/sf/
pBf]u dGqfnosf] ;"rgf
lgof{tdf gub k|f]T;fxg;DaGwL sfo{ljlw, @)&)
k|:tfjgf M– lgof{t clej[l4 u/L Jofkf/ 3f6f sd ub}{ zf]wgfGt/ l:yltdf ;'wf/ Nofpg] p2]Zon]
g]kfn ;/sf/åf/f cfly{s jif{ @)^&.^* sf] ah]6 jQmJodf lgof{t ug]{ pBf]unfO{ lgof{t u/]/ k|fKt
ePsf] kl/jTo{ ljb]zL d'b|f a}+s bflvnf ePsf] k|df0fsf] cfwf/df gub k|f]T;fxg Pjd\ cfos/df klg
5'6 ;'ljwf pknAw u/fpg] Joj:yf u/]sf]df gub k|f]T;fxg ;DaGwL Joj:yfnfO{ ;/n / k|efjsf/L
lsl;dn] sfof{Gjog ug{ jf~5gLo ePsf]n], g]kfn ;/sf/ -dlGqkl/ifb_ n] b]xfosf] sfo{ljlw agfO{
nfu' u/]sf] 5 .
!= ;+lIfKt gfd / k|f/DeM
-!_ o; sfo{ljlwsf] gfd “lgof{tdf gub k|f]T;fxg ;DaGwL sfo{ljlw, @)&)” /x]sf]
5 .
-@_ of] sfo{ljlw t'?Gt k|f/De x'g]5 .
@= kl/efiffM ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; sfo{ljlwdf
-s_ “a}+s” eGgfn] lgof{tdf gub k|f]T;fxg e'QmfgL ;DaGwL sfo{ ug]{ jfl0fHo a}+s ;Demg'
kb{5 .
-v_ “pBf]u” eGgfn] :jb]zL sRrf kbfy{ k|of]u u/L jf sRrf kbfy{ cfoft u/L j:t' lgof{t
ug]{ k|rlnt sfg"g adf]lhd btf{ ePsf pBf]u ;Demg' kb{5 .
-u_ “lgof{t k|j4{g u[x” eGgfn] lgof{t ul/g] j:t' pTkfbg ug]{ pBf]ux? ;Fu j:t' vl/b
u/L lgof{t ug]{ k|rlnt sfg"g adf]lhd btf{ ePsf ;+:yf ;Demg' kb{5 .
-3_ æpTkfbsÆ eGgfn] :jb]zL sRrf kbfy{ k|of]u u/L jf sRrf kbfy{ cfoft u/L lgof{t
ug]{ j:t' pTkfbg ug]{ k|rlnt sfg"g adf]lhd btf{ ePsf] ;+:yf ;Demg' kb{5 .
-ª_ “;ldlt” eGgfn] bkmf !) adf]lhd ul7t ;dGjo tyf cg'udg ;ldlt ;Demg' kb{5 .
-r _ “gub k|f]T;fxg” eGgfn] j:t' lgof{t ug]{ pBf]u jf lgof{t k|j4{g u[xnfO{ bkmf # sf]
pkbkmf -!_ adf]lhd lbOg] gub k|f]T;fxg cg'bfg ;Demg' kb{5 .
-5_ “kl/jTo{ ljb]zL d'b|f” eGgfn] g]kfn /fi6« a}+sn] tf]s]sf] kl/jTo{ ljb]zL d'b|f ;Demg'
kb{5 .
-h_ “d"No clej[l4” eGgfn] j:t' pTkfbg k|lqmofdf pkof]u ePsf] :jb]zL j:t' jf ;]jfsf]
dfqf ;Demg' kb{5 .
#= gub k|f]T;fxg ;DaGwL Joj:yfM
-!_ lgof{t ug]{ pBf]u jf lgof{t k|j4{g u[xx?nfO{ cg';"rL – ! / s[lif, jg tyf vfgLhGo
j:t'sf] xsdf cg';"rL–@ df pNn]v ePsf] b/df g]kfn ;/sf/n] g]kfnL ?k}ofF gub
k|f]T;fxg pknJw u/fpg] 5 .
91
-@_ pkbkmf -!_ adf]lhd cg';"rL – ! df plNnlvt j:t'x?sf] lgof{tdf gub k|f]T;fxg
lbFbf Go"gtd #) k|ltzt d"No clej[l4 ePsf] x'g'kg]{5 .
-#_ lgof{tdf gub k|f]T;fxg k|fKt ug]{ lgof{t k|j4{g u[xn] k|fKt u/]sf] gub k|f]T;fxgsf]
Go"gtd %) k|ltzt pTkfbsx?nfO{ lbg' kg]{5 .
-$_ j:t' lgof{t u/L kl/jTo{ ljb]zL d'b|f cfh{g ug]{ u/L t];|f] d'n'sdf lgof{t ug]{ pBf]u
tyf lgof{t k|j4{g u[xx?n] dfq pkbkmf -!_ adf]lhdsf] ;'ljwf kfpg]5g\ .
-%_ pBf]u jf lgof{t k|j4{g u[xx?n] t];|f] d'n'sdf lgof{t u/]/ k|fKt u/]sf] kl/jTo{ ljb]zL
d'b|f a}+sdf bflvnf ePsf] k|df0f k]z u/]kl5 dfq pkbkmf -!_ adf]lhdsf] ;'ljwf k|fKt
ug{ ;Sg] 5g\ .
-^_ pkbkmf -!_ df pNn]lvt cg';"rL – ! / cg';"rL – @ df j:t'ut ?kdf pNn]v ePsf]
gub k|f]T;fxg lbO{g] j:t' / b/ k|To]s cfly{s jif{sf] z'?df ;dGjo tyf cg'udg
;ldltsf] l;kmfl/;df cfjZostf cg';f/ g]kfn ;/sf/ -dlGqkl/ifb\_ n] k'g/fjnf]sg
ug{ ;Sg]5 .
$= gub k|f]T;fxg /sd e'QmfgLM
-!_ gub k|f]T;fxg :j?k k|bfg ul/g] /sd pknAw u/fpg] k|of]hgsf] nflu g]kfn ;/sf/n]
g]kfn /fi6« a}+ssf] ;DalGwt ljefuaf6 ;~rfng x'g] u/L a+}lsË sfof{nox?df
“lgof{tdf gub k|f]T;fxg zf]wegf{” gfdsf] Pp6f vftf vf]lng]5 .
-@_ pkbkmf -!_ adf]lhdsf] vftfdf cy{ dGqfnon] cfjZos /sd ;do ;dodf clu|d
?kdf hDdf ug]{5 .
-#_ j:t' lgof{t ug]{ pBf]u tyf lgof{t k|j4{g u[xn] gub k|f]T;fxgsf] nflu h'g a}+s dfkm{t
j:t' lgof{t k|of]hgsf] nflu a}+lsË sf/f]jf/ u/]sf] x'G5 ;f]xL a}+sdf cg';"rL–#
adf]lhdsf] 9fFrfdf gub k|f]T;fxg /sd dfu;DaGwL lgj]bg lbg' kg]{5 .
-$_ pkbkmf -#_ adf]lhd lgj]bg k|fKt ePkl5 a}+sn] hfFra'em ubf{ gub k|f]T;fxg lbg' kg]{
7x¥ofPdf bkmf # sf] pkbkmf -!_ adf]lhd x'g] /sd lgof{t ug]{ pBf]u jf lgof{t
k|j4{g u[xsf] a}+s vftfdf & -;ft_ lbgleq hDdf ul/lbg' kg]{5 .
-%_ pkbkmf -$_ adf]lhd /sd a}+s vftfdf hDdf ubf{ lgof{tstf{ pBf]u jf lgof{t k|j4{g
u[xsf] vftfdf /sd hDdf ePsf] lbgsf] nflu g]kfn /fi6« a}+sn] lgwf{/0f u/]sf] kl/jTo{
ljb]zL d'b|fsf] vl/b b/sf] cfwf/df g]kfnL ?k}ofFdf ?kfGt/0f ubf{ x'g cfpg] a/fa/sf]
g]kfnL ?k}ofF hDdf x'g]5 .
%= gub k|f]T;fxg /sdsf] zf]wegf{M
-!_ bkmf $ sf] pkbkmf -$_ adf]lhd lgof{t ug]{ pBf]u tyf lgof{t k|j4{g u[xsf] vftfdf
/sd hDdf e};s]kl5 ;DalGwt a}+sn] ;f] a/fa/sf] /sd zf]wegf{sf] nflu cg';"rL –
$ adf]lhdsf] 9fFrfdf g]kfn /fi6« a}+ssf] ;DalGwt ljefu;dIf lgj]bg lbg' kg]{5 .
-@_ pkbkmf -!_ adf]lhd lgj]bg k|fKt ePkl5 g]kfn /fi6« a}+ssf] ;DalGwt ljefun]
cfjZos hfFra'em u/L pko'Qm b]v]df ;f] adf]lhd x'g] s'n /sd lgof{tdf gub
k|f]T;fxg zf]wegf{ vftfaf6 ;DalGwt a}+ssf] g]kfn /fi6« a}+ssf] a}+lsË sfof{nodf /x]sf]
vftfdf hDdf x'g] u/L zf]wegf{ lbg]5 .
-#_ pkbkmf -@_ adf]lhd zf]wegf{ bkmf $ sf] pkbkmf -$_ adf]lhd x'g]5 .
^= d"No clej[l4 lgwf{/0fM
-!_ cg';"rL – ! df pNn]v ePsf t/ klxnf] k6s d"No clea[l4 k|ltzt lgwf{/0f eO{
g;s]sf j:t' lgof{t ug]{ pBf]u tyf lgof{t k|j4{g u[xn] To:tf j:t'sf] d"No clej[l4
k|ltzt lgwf{/0fsf nflu pBf]u ljefun] tf]s]sf] 9fFrfdf pBf]u ljefudf cfj]bg lbg'
92
kg]{5 . t/ cg';"rL – ! df plNnlvt j:t'x? dWo] klxnf] k6s d"No clea[l4 k|ltzt
lgwf{/0f eO{;s]sf / cg';"rL – @ df pNn]v ePsf tyf ;f] cg';"rLdf kl5 ;dfj]z
ul/g] j:t'x?sf xsdf d"No clej[l4 cfjZos kg]{ 5}g .
-@_ pkbkmf -!_ adf]lhd d"No clej[l4 k|ltzt lgwf{/0fsf nflu k|fKt cfj]bgsf cfwf/df
pBf]u ljefun] klxnf] k6ssf nflu d"No clej[l4 k|ltzt lgwf{/0f u/L ;ldlt;dIf
l;kmfl/; ug]{5 .
-#_ ;ldltn] pBf]u ljefuaf6 ePsf] d"No clej[l4 k|ltzt ;d]tsf cfwf/df tL j:t'sf]
gub k|f]T;fxg b/ lgwf{/0fsf nflu g]kfn ;/sf/ -dlGqkl/ifb\ _ ;dIf l;kmfl/; ug]{5 .
-$_ cg';"rL – ! df plNnlvt j:t'x?sf] pTklQsf] k|df0fkq hf/L ug]{ lgsfon] Go"gtd
d"No clej[l4 #) k|ltzt lgwf{/0f ePsf] x]/]/ dfq d"No clej[l4sf] k|ltzt pNn]v u/L
pTklQsf] k|df0fkq hf/L ug]{5 / ;f]xL cfwf/df lgof{tstf{n] d"No clej[l4sf] k|ltzt
v'Ng] pTklQsf] k|df0f kqsf] lg:;f /fvL gub k|f]T;fxg k|fKt ug{ ;DalGwt a}+s;dIf
lgj]bg k]z ug'{ kg]{5 .
&= lgof{t ug]{ pBf]u tyf lgof{t k|j4{g u[xsf] sfd, st{Ao / clwsf/M
lgof{t ug]{ pBf]u tyf lgof{t k|j4{g u[xn] lgof{tdf gub k|f]T;fxg zf]wegf{ lng] k|of]hgsf]
nflu b]xfo adf]lhd sfd ug]{5 M–
-s_ lgof{tdf gub k|f]T;fxg lngsf] nflu lgof{t u/]sf] j:t' ;DaGwL sfuhft ;'/lIft
/fVg] .
-v_ o; sfo{ljlwdf tf]lsPsf] k|lqmof adf]lhd gub k|f]T;fxg lngsf] nflu cg';"rL – #
adf]lhdsf] 9fFrfdf a}+s;dIf lgj]bg k]z ug]{ .
-u_ ;ldltnfO{ cfjZos ljj/0f pknAw u/fpg] .
*= a}+ssf] sfd, st{Ao / clwsf/M a}+ssf] sfd, st{Ao / clwsf/ b]xfo adf]lhd x'g]5M–
-s_ lgof{t ug]{ pBf]u jf lgof{t k|j4{g u[xn] bkmf $ adf]lhdsf] k|lqmof k"/f u/L lgof{tdf
gub k|f]T;fxg dfu u/]df cfjZos sfuhft k/LIf0f u/L gub k|f]T;fxg pknAw u/fO{
g]kfn /fi6« a}+s;Fu zf]wegf{ dfu ug]{ .
-v_ v08 -s_ adf]lhd lgof{t ug]{ pBf]u jf lgof{t k|j4{g u[xnfO{ k|bfg u/]sf] gub
k|f]T;fxg /sdsf] ljj/0f k|To]s dlxgf g]kfn /fi6« a}+snfO{ pknAw u/fpg] .
(= g]kfn /fi6« a}+ssf] sfd, st{Ao / clwsf/M
g]kfn /fi6« a}+ssf] sfd, st{Ao / clwsf/ b]xfo adf]lhd x'g]5M–
-s_ a}+saf6 lgof{t ug]{ pBf]u jf lgof{t k|j4{g u[xnfO{ k|bfg ul/g] gub k|f]T;fxg /sd
a}+sx?af6 zf]wegf{ dfu eO{ cfPdf lgof{t tyf gub k|f]T;fxg gfdsf] vftfaf6
;DalGwt a}+snfO{ zf]wegf{ /sd pknAw u/fpg] .
-v_ v08 -s_ adf]lhd a}+snfO{ zf]wegf{ pknAw u/fOPsf] /sdsf] ljj/0f k|To]s dlxgf
cy{ dGqfnonfO{ pknAw u/fpg] .
!)= ;dGjo tyf cg'udg ;ldltsf] u7gM
-!_ lgof{tdf gub k|f]T;fxg lbg] sfo{sf] ;dGjo tyf cg'udg ug{ b]xfo adf]lhdsf]
;dGjo tyf cg'udg ;ldlt u7g x'g]5 .
-s_ ;lrj, jfl0fHo tyf cfk"lt{ dGqfno – ;+of]hs
-v_ ;x–;lrj, cy{ dGqfno – ;b:o
-u_ dxflgb]{zs jf lghn] tf]s]sf] lgb]{zs, pBf]u ljefu – ;b:o
-3_ dxflgb]{zs jf lghn] tf]s]sf] pk–dxflgb]{zs, jfl0fHo tyf cfk"lt{ Joj:yfkg
ljefu – ;b:o
93
-ª_ dxflgb]{zs jf lghn] tf]s]sf] pk– dxflgb]{zs, eG;f/ ljefu – ;b:o
-r_ dxflgb]{zs jf lghn] tf]s]sf] pk– dxflgb]{zs, cfGtl/s /fh:j ljefu –
;b:o
-5_ dxflgb]{zs jf lghn] tf]s]sf] pk– dxflgb]{zs, s[lif ljefu – ;b:o
-h_ dxflgb]{zs jf lghn] tf]s]sf] pk–dxflgb]{zs, jg ljefu – ;b:o
-em_ k|ltlglw, g]kfn /fi6« a}+s – ;b:o
-`_ cWoIf, g]kfn pBf]u jfl0fHo dxf;+3 jf lghn] tf]s]sf] k|ltlglw – ;b:o
-6_ cWoIf, g]kfn pBf]u kl/;3 jf lghn] tf]s]sf] k|ltlglw – ;b:o
-7_ cWoIf, g]kfn 3/]n' pBf]u dxf;+3 jf lghn] tf]s]sf] k|ltlglw – ;b:o
-8_ ;x–;lrj -lgof{t k|j4{g, Aofkf/ tyf kf/jxg dxfzfvf_, jfl0fHo tyf cfk"lt{
dGqfno – ;b:o ;lrj
-@_ pkbkmf -!_ adf]lhd ;ldltn] pBf]u ljefusf] l;kmfl/;df cg';"rL ! df plNnlvt
b/df ;do ;dodf cfjZostf cg';f/ kl/jt{g tyf yk36 ug{sf] nflu l;kmfl/; ug{
;Sg]5 .
-#_ pkbkmf -!_ adf]lhdsf] ;ldltsf] a}7s cfjZostf cg';f/ a:g]5 .
-$_ ;ldltn] cfˆgf] a}7ssf] sfo{ljlw :jod\+ lgwf{/0f ug]{5 .
!!= ;ldltsf] sfd, st{JoM ;ldltn] lgof{tdf gub k|f]T;fxg lbg] sfo{sf] ;dGjo tyf cg'udg
ug]{ sfo{ ug]{5 .
!@= afwf c8\sfp k'msfpg] clwsf/M o; sfo{ljlwsf] sfof{Gjogdf s'g} afwf pTkGg ePdf
;dGjo tyf cg'udg ;ldltsf] l;kmfl/;df g]kfn ;/sf/n] To:tf] afwf c8\sfp k'msfpg
;Sg]5 .
!#= ;+zf]wg tyf x]/km]/M g]kfn ;/sf/n] o; sfo{ljlwdf cfjZostf cg';f/ ;+zf]wg Pjd\ x]/km]/
ug{ ;Sg]5 .
!$= vf/]hL / arfpM
-!_ lgof{tdf gub k|f]T;fxg;DaGwL sfo{ljlw, @)^* vf/]h ul/Psf] 5 .
-@_ lgof{tdf gub k|f]T;fxg ;DaGwL sfo{ljlw, @)^* adf]lhd ePsf sfdx? o;}
sfo{ljlw adf]lhd ePsf] dflgg]5 .
-#_ @)^( efb| d;fGt;Dddf j:t' lgof{t u/L @)^( sflt{s d;fGt ;Dddf gub
k|f]T;fxgsf nflu pBf]u ljefudf btf{ ePsf lgj]bgsf xsdf lgof{tdf gub
k|f]T;fxg;DaGwL sfo{ljlw, @)^* adf]lhds} k|lqmof ckgfO{ gub k|f]T;fxg k|bfg x'g
l;kmfl/; ul/g]5 .
-$_ @)^( efb| d;fGt cl3 lgof{t u/]sf t/ lgof{tdf gub k|f]T;fxgsf nflu lgj]bg u/L
g;s]sf lgof{tsf xsdf o;} sfo{ljlwadf]lhd gub k|f]T;fxg k|bfg ul/g]5 .
94
cg';"rL - !
lgof{tdf gub k|f]T;fxg k|bfg ul/g] cf}Bf]lus j:t'sf] gfd tyf k|ltzt
l;=g+= pTkfbgsf] gfd gub k|f]T;fxg k|ltzt s}lkmot
!= k|zf]lwt skmL @%
@= cw{ k|zf]lwt 5fnf @%
#= x:tsnf / sfi7snfsf j:t' @%
$= k|zf]lwt 5fnf (Crust) @%
%= xft] sfuh / ;f] sf] pTkfbg @%
^= k|zf]lwt dx @%
&= lrof @%
*= un+}rf tyf pmgLsf ;fdfg @%
(= kl:dgf / /];dhGo j:t' @%
!)= k|zf]lwt h8La'6L tyf ;f/o'Qm t]n @%
!!= tof/L rfprfp !%
!@= rf]s/ !%
!#= rSsL cf+6f !%
!$= kf]lni6/ kmfO{j/ le;s; ofg{ !%
!%= kf]lni6/ 6]S;6fO{n ofg{ !%
!^= tof/L kf];fs !%
!&= jg:klt t]n !%
!*= 6«fG;km/d/ !%
!(= l:6n kf]N; tyf PS;];/Lh !%
@)= 86\k]g !%
@!= bfn !%
@@= lsdtL tyf cw{ lsdtL kTy/ !%
@#= ;'grfFbLsf u/uxgf !%
@$= a];f/ !%
@%= ;'7f] !%
cg';"rL @
l;=g+= pTkfbgsf] gfd gub k|f]T;fxg k|ltzt s}lkmot
!= aLp aLhg !%
@= k"mn -k'ik_ !%
#= kmnk"mn !%
$= t/sf/L !%
%= cb'jf !%
^= cn}+rL !%
&= hl8a'6L !%
95
cg';"rL #
-bkmf $ sf] pkbkmf -#_ ;F+u ;DalGwt_
lgof{tdf gub k|f]T;fxg k|fKt ug{ lbOg] lgj]bgsf] 9fFrf
>L ================================ a}+s,
============================================= .
ljifoM lgof{tdf gub k|f]T;fxg af/] .
dxfzo,
o; pBf]un] ============ d'n'sl:yt >L ================== -v/Lbstf{sf] gfd_ nfO{ To; a}+s dfkm{t
============ -;fdfgsf] gfd_ lgsf;L u/L v'b ljb]zL d'b|f ====== ldlt=============df o; a}+ssf] vftf
g+============df hDdf eO{ e'QmfgL k|fKt u/]sf] Joxf]/f k|dfl0ft ub}{ ;f] sf] x'g] s'n g]kfnL ?k}+of ========= sf]
======= k|ltztn] x'g] gub k|f]T;fxg ?= ============ o; pBf]usf] To; a}+sl:yt vftf g+= ====== df hDdf
ul/lbg' x'g tkl;n adf]lhdsf] sfuhft tyf ljj/0f ;lxt cg'/f]w u/]sf 5'÷5f}F+ .
tkl;n
!= pBf]u btf{, cg'dlt tyf :yfoL n]vf gDa/ btf{sf] k|df0fkq
@= lgof{t u/]sf] j:t'sf] Jofkfl/s aLhs / eG;f/ k|1fkgkq
#= lgof{t cfh{g k|fKt ePsf] k'li6 x'g] sfuhft
$= k|ltzt v'Ng] u/L d"No clej[l4 ePsf] pBf]u ljefuaf6 k|dfl0ft sfuhft
-cg';"rL ! df pNn]v gePsf j:t'x?sf] xsdf k|yd k6s dfq cfjZos_
%= ;ldltn] lgof{t k|f]T;fxg k|ltzt lgwf{/0f u/]sf] sfuhft
^= kl/jTo{ ljb]zL d'b|f a}+s bflvnf ePsf] k|df0f k'Ug] sfuhft, a}+s :6]6d]06
&= cGo cfjZos sfuhft
ejbLo,
k|dfl0ft ug]{ pBf]usf] k|ltlglwsf] b:tvtM
k|dfl0ft ug]{ pBf]usf] k|ltlglwsf] gfdM
pBf]usf] gfdM
pBf]usf] 5fkM
pBf]usf] 7]ufgfM
;Dks{ 6]lnkmf]g g+=
96
cg';"rL $
-bkmf % sf] pkbkmf -@_ ;+Fu ;DalGwt_
lgof{tdf gub k|f]T;fxg zf]wegf{sf] nflu lbOg] lgj]bgsf] 9fFrf
>L g]kfn /fi6« a}+s,
ljb]zL ljlgdo Joj:yfkg ljefu,
afn'jf6f/, sf7df8f}+ .
ljifoM– lgof{tdf gub k|f]T;fxgsf] zf]wegf{ af/] .
dxfzo,
To; ljefusf] O=k|f= kl/kq ;+Vof ======= df ePsf] k|lqmof tyf sfo{ljlw cg'?k tkl;n adf]lhd lgof{t
ePsf] Joxf]/f k|dfl0ft ub}{ ;f] lgof{t afkt pknAw u/fOPsf] gub k|f]T;fxg afkt ldlt =============df e'QmfgL lbPsf]
hDdf ?============================================= -cIf/]kL =================== _ sf] zf]wegf{ txfFsf] a}lsË sfof{no l:yt o;
a}+ssf] vftf g+= ========== df hDdf x'g] u/L pknAw u/fO{ lbg' x'g cg'/f]w ub{5f}F+ .
l;=g+
=
lgof{ts
tf{ pBf]u
lgof{t ePsf] lgof{t e'QmfgL k|fKt
b]z
j:
t'
kl/df
0f
dfWo
d
gDa
/
d"No ldlt
/sd
lj=d'
=
/sd
?=
FOB d"No
-ljb]zL
d'b|fdf_
/fi6« a}+saf6
lgwf{l/t
ljlgdo b/
;+nUgM lgof{t afkt kl/jTo{ ljb]zL d'b|f hDdf ePsf] k|dfl0ft a}+s :6]6d]06
lgj]bsM
a}+ssf] gfdM
7]ufgfM
b:tvtM
k|aGwssf] gfdM
ldltM
97
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)&÷@)&$
kl/jTo{ ljb]zL d"b|f ;6xL ;DaGwL Joj:yf .
kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf] x'Fbf ljb]zL ljlgdo -lgoldt ug]{_ P]g,
@)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}lsË sfof{no nufot cGo sfof{no /
Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf ljsf; a}+s tyf Ohfhtkqk|fKt dlgr]~h/x?nfO{ of]
kl/kq hf/L ul/Psf] 5 .
!= /fxbfgL afktsf] ;6xL ;'ljwf ;DaGwL Joj:yf M
-s_ lghL tyf cf}krfl/s tj/n] ljb]z e|d0fdf -ef/t afx]s_ hfg] g]kfnL gful/sx?nfO{ g]kfn
;/sf/n] hf/L u/]sf] j}w /fxbfgL / sGkmD8{ xjfO{ l6s6sf] cfwf/df tf]lsPsf a}+s÷ljQLo
;+:yf÷Ohfhtkqk|fKt lgsfox¿n] ;6xL ;'ljwf lbg'kg]{5 .
-v_ /fxbfgL ;'ljwf afkt kfpg] ;6xL /sd M
-!_ ljb]z -ef/t afx]s_ cGo d'n'sx?sf] e|d0fdf hfg] g]kfnL gful/sx?nfO{ /fxbfgL afkt
k|lt k6s cd]l/sL 8n/ @%)).– jf ;f] a/fa/sf] kl/jTo{ ljb]zL d'b|f;Dd ;6xL ;'ljwf
lbg ;lsg] 5 .
-@_ cnUu} /fxbfgL glnO{ cleefjssf] ;fydf hfg] s]6fs]6Lx¿nfO{ clwstd cd]l/sL 8n/
%)).– -kfF+r;o_ ;Dd ;6xL lbg ;lsg]5 .
-#_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 >d :jLs[lt lnO{ j}b]lzs /f]huf/Ldf hfg] g]kfnL
gful/snfO{ /fxbfgL afkt clwstd cd]l/sL 8n/ %)).– -kfFr;o_ ;Dd dfq ;6xL
;'ljwf pknJw u/fpg' kg]{5 .
t/, cfk|jf; le;f (Immigrant Visa, Visa Highly Skilled Migrant Programme, Visa Settlement-
AF, Permitted to remain in Australia Indefinitely Visa / Diversity Visa k|fKt u/L ;DalGwt
b]zdf hfg] JolQmnfO{ klxnf] k6s dfq of] ;6xL ;'ljwf pknAw u/fpg ;lsg]5 .
-u_ :yndfu{af6 lghL e|d0fdf hfFbf kfpg] ;6xL ;'ljwf M
-!_ :yndfu{af6 rLgsf] :jzfl;t If]q ltAat -lgodfg';f/ ;Ldf cf]xf]/ bf]xf]/ ug]{ JolQmx¿
affx]s_ / ;fs{ d'n'sx¿ -ef/t afx]s_ df lghL e|d0fdf hfg] JolQmx¿nfO{ ;DalGwt
b]zsf] k|j]zf1f (Visa) ePdf Ps k6sdf a9Ldf cd]l/sL 8n/ !,))).– -Psxhf/_
;Dd / Ps cfly{s jif{df a9Ldf cd]l/sL 8n/ @,))).– -b'Oxhf/_ ;Ddsf] ;6xL ;'ljwf
pknAw u/fpg ;lsg]5 .
@_ o;/L] ;6xL k|bfg ubf{ :yndfu{af6 e|d0f ug]{ JolQmx¿ / ;fs{ b]zx¿ -ef/tafx]s_
nufot Entry Point df k|j]zf1f lbg] b]zx¿df e|d0f ug]{ g]kfnL gful/sx¿sf] xsdf
/fxbfgLdf b/kL7 u/L ;6xL ;'ljwf pknAw u/fpg] lgsfosf] clws[tn] b:tvt u/L
;+:yfsf] 5fk ;d]t nufpg' kg]{5 .
-3_ gk'u ;6xL ;'ljwfsf] nflu lgj]bg lbg ;lsg] M
98
syd\sbflrt o; kl/kqdf ePsf] Joj:yf adf]lhd k|fKt x'g] ;6xL ;'ljwf gk'u x'g uO{ a9L
/sd cfjZos k/]df cfˆgf] Kofg gDa/ / /sd gk'u x'gfsf] sf/0f ;lxt o; ljefudf
lgj]bg u/]df cf}lrTosf] cfwf/df cfjZostfg';f/ ;6xL ;'ljwf lbg ;lsg]5 .
-ª_ Jofkf/ k|j4{gsf] nflu ;6xL ;'ljwf M
ljb]z -ef/t afx]s_ Joj;fo k|j4{g, Jofkf/ d]nf, Jofkf/ uf]i7Ldf hfg] g]kfnL gful/snfO{
/fxbfgL afkt k|lt k6s cd]l/sL 8n/ %,))).– ;Ddsf] ;6xL ;'ljwf Jofkf/ k|j4{gsf]
sfo{qmdaf6 x'g] pknlJw tyf efu lng hfg' kg]{ sf/0f ;lxtsf] lgj]bg lnO{ ;6xL ;'ljwf
k|bfg ug{ ;lsg] 5 .
-r_ ;6xL ;'ljwfsf] ;xL pkef]u x'g' kg]{ M
/fxbfgL afktsf] ;6xL ;'ljwf klxnf klg pkef]u ul/;s]sf JolQmx¿sf] xsdf lgh cl3Nnf]
k6s o:tf] ;6xL ;'ljwf lnP/ p2]Zo adf]lhd ljb]z ofqf u/]sf] ePdf dfq csf]{ k6s ;6xL
;'ljwf k|bfg ug'{ kg]{5 .
-5_ cf}krfl/s e|d0fdf clwstd ;Ldf nfu' gx'g] M
lghL e|d0fdf afx]s ;/sf/L lgsfo tyf ;fj{hlgs ;+3, ;+:yf, Ohfhtkqk|fKt a}+s tyf
ljQLo ;+:yf jf cGo cf}krfl/s -tflnd, uf]i7L, j}7s, g]kfn ;/sf/sf] tk{maf6 ul/g] e|d0f,
o; a}+saf6 :jLs[t e|d0f_ ljb]z -ef/t afx]s_ e|d0fdf hfg] JolQmx?sf nflu dfly v08 -
v_ / v08 -u_ adf]lhdsf] qmdzM cd]l/sL 8n/ @,%)).– -b'O{xhf/ kfFr;o_ / cd]l/sL 8n/
!,))).– -Psxhf/_ sf] ;Ldf nfu' x'g] 5}g .
-h_ sGkmD8{ xjfO{ l6s6sf] JofVof M
sGkmD8{ xjfO{ l6s6 eGgfn] g]kfn jf ef/tb]lv ofqf z'¿ x'g] u/L hf/L ePsf] sGkmD8{ xjfO{
l6s6nfO{ dfq hgfpF5 . o;}ul/ ljb]zaf6 g]kfn cfO{ k'gM ljb]z hfg] u/L hf/L ePsf] bf]xf]/f]
sGkmD8{ l6s6 ePsf JolQmx¿sf] xsdf ;d]t ;f] l6s6 o; k|of]hgsf] nflu pkof]u ug{
;lsg] 5 .
-em_ ;6xL afkt gubdf kfpg] /sd M
Ohfhtkqk|fKt ;DalGwt a}+s÷ljQLo ;+:yf÷lgsfox¿;Fu /x]sf] gub ljb]zL d'b|fsf]
;l~rltnfO{ ;d]t b[li6ut u/L a9Ldf cd]l/sL 8n/ %)).– -kfFr;o_ ;Dd gubdf ;6xL
pknJw u/fpg ;lsg]5 . ;f] eGbf a9Lsf] gub ;6xL lbg'k/]sf] v08df cf}lrTosf] cfwf/df
;DalGwt a}+s÷ljQLo ;+:yf÷Ohfhtkqk|fKt lgsfosf] sfof{no k|d'vn] :jLs[lt lbPdf To:tf]
;6xL k|bfg ug{ ;lsg]5 . tf]lsPsf] ;Ldf;Ddsf] afFsL /sd ljb]zL d'b|fsf] 8]lj6 sf8{, s|]l86
sf8{, lk|k]8 sf8{, 8«fˆ6, cfbL h:tf pko'Qm a}+lsË pks/0f dfkm{t ;6xL lbg'kg]{ 5 . o:tf]
a}+lsª pks/0f ;DalGwt /fxbfgL jfxssf] gfddf dfq hf/L ug{'kg]{5 .
-`_ /fxbfgL afkt ;6xL ;'ljwf lbFbf ckgfpg' kg]{ cGo k|lqmofx¿ M
-!_ /fxbfgL afktsf] ;6xL ;'ljwf k|bfg ubf{ o;};fy ;+nUg cg';"rL &=! cg';f/sf] lgj]bg
kmf/fd e/fO{ lng' kg]{5 .
-@_ /fxbfgL ;'ljwf afkt ;6xL dfu ug{ cfpg] lgj]bsx¿af6 sGkmD8{ xjfO{ l6s6 tyf
gfd, 7]ufgf / kmf]6f] ;d]t ePsf] Pjd\ clu|d le;f cfjZos kg]{ cj:yfdf le;f k|fKt
/fxbfgLsf] k[i7sf] 5ljlrq (Photocopy) clgjfo{?kdf k]z ug{ nufpg' kg]{5 . tL
5ljlrqx¿ ;Ssn k|lt;Fu le8fO{ b'?:t ePdf dfq ;6xL ;'ljwf k|bfg ug'{ kg]{5 .
-#_ lgodfg';f/ ;6xL ;'ljwf lnO{;s]sf JolQmsf] e|d0f sfo{qmd kl/jt{g eO{ klxn]sf] xjfO{
l6s6 /4 u/L gofF xjfO{ l6s6 lng' k/]sf] cj:yfdf klxn]sf] xjfO{ l6s6df c+lst
u/]sf] ljb]zL d'b|f ;6xL /sd cfjZos k|df0f /fvL Ohfhtkqk|fKt ;DalGwt lgsfon]
g} gofF xjfO{ l6s6df c+lst ul/lbg' kg]{5 .
99
-$_ o;/L ;6xL pknJw u/fPsf] ldlt / /sd /fxbfgLsf] ;DalGwt v08df clgjfo{ ¿kdf
pNn]v u/L o:tf] ;6xL pknJw u/fpg] Ohfhtkqk|fKt lgsfosf] ;DalGwt clws[tn]
b:tvt u/L 5fk ;d]t nufpg' kg]{5 . ;fy}, pko{'Qm sfuhftsf] 5ljlrq (Photocopy) clen]vsf nflu ;'/lIft /fVg' kg]{5 .
-6_ ;6xL k|bfg ug]{ lgsfox¿ M
-!_ Ohfhtkqk|fKt a}+s÷ljQLo ;+:yf÷lgsfox¿af6 dfq o:tf] ;6xL ;'ljwf k|bfg ug{
ldNg]5
-@_ ;Da}wflgs lgsfo tyf g]kfn ;/sf/sf sd{rf/Lx¿sf] ;fy;fy} o; a}+ssf
sd{rf/Lx¿sf] nflu /fxbfgL afktsf] lgodfg';f/ kfpg] ;6xL ;'ljwf o; a}+ssf a}lsË
sf/f]jf/ ug]{ sfof{nox¿af6 k|bfg ug{ ;lsg] 5 .
-#_ v08 -6_ @ afx]ssf cGo JolQmx¿sf] /fxbfgL k|of]hgsf] ;6xL ;'ljwf nufot cGo
;6xL ;'ljwf o; a}+ssf a}+lsË sf/f]jf/ ug]{ sfof{nox¿af6 k|bfg ug{ ;lsg] 5}g .
-$_ syd\sbflrt v08 -6_ @ afx]ssf cGo JolQmx¿nfO{ /fxbfgL afktsf] ;6xL ;'ljwf
k|bfg ug'{ kg]{ cj:yf cfO{k/]df tyf JolQmx¿n] ljleGg ;|f]taf6 k|fKt u/L ljqmL ug{
NofPsf] ljb]zL d'b|f o; a}+ssf a}lsË sf/f]jf/ ug]{ sfof{nox¿af6 vl/b÷ljqmL ug'{
k/]df cf}lrTosf] cfwf/df sfof{no k|d'vsf] lnlvt :jLs[ltaf6 dfq To:tf] sf/f]jf/ ug{
;lsg] 5 .
-7_ sf/f]jf/sf] ljj/0f k]z ug'{ kg]{ M
-!_ /fxbfgL / Jofkf/ k|j4{g afktsf] ;6xL ;'ljwf ;DaGwL k|To]s dlxgfsf] sf/f]jf/sf]
dfl;s ljj/0f Ohfhtkqk|fKt lgsfosf] s]Gb|Lo÷skf]{/]6 sfof{non] PsLs[t u/L dlxgf
;dfKt ePsf] !% -kGw|_ lbgleq qmd;M ;+nUg cg';"rL &=@ / cg';"rL &=# adf]lhdsf]
kmf/fd o; ljefudf clgjfo{ ¿kdf k]z ug'{ kg]{5 .
-@_ o:tf] ljj/0f k]z gug]{ a}+s÷ljQLo ;+:yf÷Ohfhtkqk|fKt lgsfonfO{ k|bfg ul/Psf]
Ohfht /2 x'g ;Sg]5 .
@= kl/jTo{ ljb]zL d'b|f cfh{g gePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf kfpg] ;6xL
;'ljwf ;DaGwL Joj:yf M
kl/jTo{ ljb]zL d'b|f vftf gePsf b]xfodf plNnlvt lgsfosf kbflwsf/Lx¿ cfˆgf] sfof{nosf]
sfdsf] l;nl;nfdf ef/tafx]s cGo d'n'sx¿sf] e|d0fdf hfFbf Ohfhtkqk|fKt æsÆ / ævÆ ju{sf
Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] ljb]zL ljlgdo ;6xL ;'ljwf lgDgfg';f/ k|bfg ug{ kg]{5 .
-s_ a}+s, ljQLo ;+:yf, ;/sf/L ;+:yfgx¿ / ;/sf/L tyf cw{ ;/sf/L ;+3÷;+:yfx¿n] cfkm\gf
kbflwsf/Lx¿nfO{ ljb]zdf tflnd, uf]i7L, a}7s cflb e|d0fdf k7fpgsf lgldQ ljb]zL d'b|f
;6xL ;'ljwfsf nflu lnlvt cg'/f]w u/]df dfu adf]lhd ;6xL pknAw u/fpg ;lsg]5 .
-v_ pko'{Qm adf]lhd kl/jTo{ ljb]zL d'b|f pknAw u/fpFbf ;DalGwt e|d0fstf{sf] sGkmD8{ xjfO{
l6s6, j}w /fxbfgL / le;f cfjZos kg]{ eP le;f nfu]sf] k|df0f lnO{ ;6xL lnPsf] /sd
/fxbfgLsf] ;DalGwt v08df clen]v u/L clws[tsf] b:tvt tyf a}+s÷ljQLo ;+:yfsf] 5fk
nufO{ lbg'kg]{5 .
#= kl/jTo{ ljb]zL d'b|f cfh{g ePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf kfpg] ;6xL
;'ljwf ;DaGwL Joj:yf .
lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g u/L vftf vf]ln/x]sf lgsfox¿ Pjd\ vftf
vf]Ng u|fXo ePsf t/ gvf]n]sf lgsfosf kbflwsf/Lx¿ cfˆgf] sfof{nosf] sfdsf] l;nl;nfdf ef/t
afx]s cGo d'n'sx¿sf] e|d0fdf hfFbf Ohfhtkqk|fKt æsÆ / ævÆ ju{sf Ohfhtkqk|fKt a}+s tyf
ljQLo ;+:yfx?n] ljb]zL ljlgdo ;6xL ;'ljwf lgDgfg';f/ k|bfg ug]{ Joj:yf ul/Psf] 5 .
100
-s_ lgof{t tyf ko{6g If]qsf] cfh{gaf6 kl/jTo{ ljb]zL d'b|f vftf ePsf lgsfox¿nfO{ cfˆgf]
Jofkf/ k|j4{gsf] l;nl;ndf s'g} kbflwsf/LnfO{ ljb]z e|d0f -ef/t afx]s_ df k7fpg' k/]df
;+nUg cg';"rL &=$ Dff tf]lsP adf]lhd ;DalGwt lgsfosf] ljb]zL d'b|f vftf vr{ x'g] u/L
;6xL ;'ljwf pknJw u/fpg] . o;/L e|d0f vr{sf] e'QmfgL k|bfg ubf{ ;DalGwt lgsfosf]
vftfdf ;f] e|d0fsf nflu cfjZos x'g] df}Hbft /sd x'g'kg]{ 5 . t/, cfjZos df}Hbft /sd
gePsf] v08df cg';"rL &=% adf]lhdsf] ;6xL ;'ljwf dfq pknJw u/fpg' kg]{5 .
-v_ lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g ePsf t/ vftf gePsf lgsfox¿nfO{
cfˆgf] Jofkf/ k|j4{gsf] l;nl;ndf s'g} kbflwsf/LnfO{ ljb]z e|d0f -ef/t afx]s_ df k7fpg'
k/]df ;+nUg cg';"rL &=% Dff tf]lsP adf]lhd ;6xL ;'ljwf pknJw u/fpg ;lsg] 5 . dfly
pNn]v u/] cg';f/sf] ;6xL ;'ljwf dfu ubf{ cf–cfˆgf] ljb]zL d'b|f cfh{g hDdf u/L cfPsf
a}+s÷ljQLo ;+:yfsf zfvfx¿ dfkm{t g} dfu ug'{ kg]{5 .
-u_ dfly h];'s} n]lvPsf] ePtfklg ;DalGwt lgsfon] rfn' cfly{s jif{ jf cl3Nnf] cfly{s jif{df
cfh{g u/]sf] ljb]zL d'b|f /sdeGbf a9Lsf] ;6xL ;'ljwf k|bfg ug{ ldNg] 5}g .
-3_ s'g} cfly{s jif{sf] klxnf] ^ dlxgf leq ljb]zL d'b|f cfh{g eO{ g;s]sf] t/ ljb]z e|d0fdf
hfg' k/]sf] cj:yfdf cl3Nnf] cfly{s jif{df kfpg ;Sg] ;6xL ;'ljwfsf] clwstd ;Ldf k"/}
k|of]u gul/;s]sf] cj:yf /x]5 eg] To:tf] afFsL ;'ljwf rfn' cfly{s jif{sf] klxnf] cw{jflif{s
cjlw ;Ddsfnflu klg k|of]u ug{ ;lsg]5 . t/, o;/L k|of]u ul/Psf] ;'ljwf pQm rfn'
cfly{s jif{df cfh{g ePsf] ljb]zL d'b|f cGtu{tsf] ;'ljwfdf lx;fj ldnfg ug'{kg]{5 / k|ltjif{
tf]lsPsf] clwstd\ ;6xL ;'ljwf ;Ldf gf3]sf] x'g'x'Fb}g .
-ª_ o; kl/kq adf]lhd a}+s÷ljQLo ;+:yfn] e|d0fstf{nfO{ kl/jTo{ ljb]zL d'b|f pknAw u/fpFbf
cg';"rL &=^ adf]lhdsf] kmf/fd e/fpg' kg]{5 . ;fy}, pQm kmf/fdsf] tNnf] efudf a}+s÷ljQLo
;+:yfn] pknAw u/fPsf] ;6xL ;'ljwfsf] b/kL7 u/fO{ ;f]sf] clen]v /fVg' kg]{5 .
-r_ pko'{Qm adf]lhd kl/jTo{ ljb]zL d'b|f pknAw u/fpFbf ;DalGwt e|d0fstf{sf] sGkmd{8 xjfO{
l6s6 / j}w /fxbfgL x]/L xjfO{ l6s6df pknJw u/fPsf] /sd b/kL7 u/L clws[tsf] b:tvt
tyf a}+s÷ljQLo ;+:yfsf] 5fk nufpg' kg]{5 .
$= cGt/f{li6«o ;+3÷;+:yfx¿n] ef/tdf kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug]{ ;DaGwL Joa:yf M
g]kfnsf a}+s÷ljQLo ;+:yfx¿df kl/jTo{ ljb]zL d'b|fsf] vftf ePsf cGt/f{li6«o ;+3÷;+:yf÷lgof]u÷
sfof{no cflbn] ;]jf z'Ns nufot cGo ljleGg k|of]hgsf] nflu ef/tdf kl/jTo{ ljb]zL d'b|fdf g}
e'QmfgL ug'{k/]df k|rlnt lgodfg';f/sf] s/ bflvnf u/]sf] lg:;f lnO{ ;DalGwt a}+s÷ljQLo
;+:yfx¿n] tL sfof{nox¿sf] kl/jTo{ ljb]zL d'b|f vftf vr{ u/L To:tf] e'QmfgL ug{ ;Sg] 5g\ .
%= le;f afkt ;+slnt g]kfnL ?k}+ofsf] ;6xL ;'ljwf ;DaGwL Joj:yf M
g]kfnl:yt ljb]zL /fhb'tfjf;÷lgof]ux?n] le;f b:t'/ afkt ;+sng u/]sf] g]kfnL ?k}ofF a/fj/sf]
ljb]zL d'b|f cfˆgf] /fi6«df k7fpg' kbf{ ;DalGwt ljb]zL /fhb'tfjf;÷lgof]usf] cflwsfl/s cg'/f]w
kqsf] cfwf/df ;DalGwt a}+sn] o:tf] ;6xL pknAw u/fpg ;Sg]5 . o:tf] ;6xLsf] ljj/0f dlxgf
;dfKt ePsf] !% lbg leq clgjfo{ ?kdf o; ljefunfO{ pknJw u/fpg' kg]{5 .
^= lgof{tstf{x¿nfO{ zfvf÷;Dks{÷k|bz{g sIf h:tf sfof{nosf] nflu ;6xL ;'ljwf pknJw u/fpg
;DaGwL Joj:yf .
j:t' tyf ;]jf lgof{t ug]{ lgof{t Joj;foLn] lgof{t k|j4{gsf] nflu ljb]zdf zfvf÷;Dks{÷k|bz{g
sIf h:tf sfof{no vf]Ng] tyf ljqmLaf6 p7]sf] /sd hDdf ug]{ k|of]hgsf nflu ljb]zdf vftf vf]Ng
rfx]df ;DalGwt lgodgsf/L lgsfosf] l;kmfl/;df b]xfo adf]lhdsf] Joj:yf tyf zt{sf] clwgdf
101
/xL o; a}+ssf] k"j{ :jLs[ltdf ;f]sf] nflu cfjZos ljb]zL d'b|fsf] ;6xL ;'ljwf pknJw x'g] Joj:yf
ul/Psf] 5 .
-s_ lgj]bs lgof{t Joj;fodf ;+nUg x'b} cfO/x]sf] jf lgof{t ug]{ 7f]; of]hgf ePsf] jf ko{6g
Joj;fo jf ;]jf lgof{t ;DaGwL Joj;fodf ;+nUg /x]sf] lgsfo x'g'kg]{ 5 .
-v_ ljb]zdf o;/L zfvf÷;Dks{÷k|bz{g sIfh:tf sfof{no :yfkgf ubf{ ;DalGwt d'n'ssf]
k|rlnt sfg"gsf] kfngf ug'{ kg]{5 .
-u_ of] Joj:yf cGtu{tsf] ;6xL ;'ljwf ljb]zdf zfvf÷;Dks{÷k|bz{g sIfh:tf sfof{no vf]Ng]
tyf ;f]sf] ;~rfng÷Joj:yfkgsf nflu dfq pknJw x'g]5 .
-3_ ;6xL dfu ubf{ ;fnj;fnL ug'{ kg]{ vr{ / z'?df ;+:yfkgfsf] nflu s] slt /sd cfjZos
kg]{ xf], ;f]sf] lj:t[t ljj/0f ;+nUg ug'{ kg]{5 . o:tf] ljj/0f k]z ubf{ gofF Joj;fosf]
xsdf cfufdL # -tLg_ jif{sf] / ;~rfngdf /xL /x]sf] Joj;fosf] xsdf laut # -tLg_
jif{sf] oyfy{ / cfufdL # -tLg_ jif{sf] cg'dflgt sf/f]jf/sf] ljj/0f k]z ug'{ kg]{5 .
-ª_ ;DalGwt lgof{tstf{x?n] ;DalGwt d'n'sdf ljqmLaf6 p7]sf] /sd ;f]xL d'n'sdf vftf
vf]nL hDdf ug{ ;Sg] 5g\ / o:tf] vftf ;~rfng ;DaGwdf o; a}+saf6 ;do ;dodf
hf/L ePsf] kl/kqdf plNnlvt Joj:yfx?sf] kfngf ug'{ kg]{5 . o;/L ljqmLaf6 k|fKt
ljb]zL d'b|f k|To]s # -tLg_ dlxgfdf a}lsË k4ltdfkm{t g]kfndf k7fpg' kg]{5 .
-r_ ljqmL tyf k|bz{g sIf vf]Ng] lgof{tstf{x¿sf] xsdf g]kfnaf6 k|rlnt sfo{ljlw k"/f u/L
nu]sf] ;fdfg / tL ;fdfgx¿sf] ljqmLaf6 p7]sf] /sdx¿sf] lx;fj k|To]s ^ dlxgfdf o;
ljefu nufot ;DalGwt lgodgsf/L lgsfox?nfO{ lbg' kg]{5 .
-5_ o;/L vf]lnPsf] ;Dks{ sfof{no / ljqmL tyf k|bz{g sIfaf6 k|fKt kmfObf Pjd\ nfut
;DaGwL ljj/0f k|To]s cfly{s jif{ ;dfKt ePsf] a9Ldf # dlxgfleq n]vfk/LIfsaf6
k|dfl0ft u/fO{ o; ljefudf k]z ug'{ kg]{5 .
-h_ ;DalGwt d'n'ssf] k|j]zf1f -le;f_ ;DaGwL ;Dk"0f{ sfo{ ;DalGwt pBdL÷Joj;foLn] g} ug'{
kg]{5 .
-em_ ljb]zL d'b|f cfh{g ul//x]sf lgsfox¿sf] xsdf ;fnj;fnL vr{ afkt dfu ePsf] /sd
cl3Nnf] cfly{s jif{sf] ljb]zL d'b|f cfh{gsf] a9Ldf % -kfFr_ k|ltztsf] ;Ldfleq /xg'
kg]{5 .
-`_ ljb]zL d'b|f cfh{g ul/g;s]sf lgsfox¿sf] xsdf lghx¿n] k]z u/]sf] cg'dflgt sf/f]jf/
ljj/0fsf] cfwf/df klxnf] jif{sf] nflu dfly v08 -em_ df pNn]v eP adf]lhdsf] ;6xL
;'ljwf pknJw u/fpg ;lsg]5 .
&= j}b]lzs /f]huf/ Joj;foLx¿nfO{ ;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf M
ljlwjt btf{ eO{ sfo{ ug{ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 Ohfhtkqk|fKt u/]sf j}b]lzs
/f]huf/ Joj;foLx¿nfO{ le;f z'Ns, sld;g cflb e'QmfgL ug{]{ k|of]hgsf] nflu cfjZos kg]{ ljb]zL
d'b|fsf] ;6xL ;'ljwf pknJw u/fpg] ;DaGwdf b]xfo adf]lhdsf] Joj:yf ul/Psf] 5 .
-s_ a}b]lzs /f]huf/ Joj;foLx¿n] j}b]lzs /f]huf/Ldf hfg] g]kfnL gful/ssf] le;f cfk}m ldnfO{
lbg] k|of]hgsf] nflu cfjZos kg]{ ljb]zL d'b|fsf] nflu b]xfosf] k|s[of k"/f u/L ;6xL ;'ljwf
k|bfg ug{ ;lsg]5 M
-!_ ljb]zl:yt /f]huf/bftf lgsfodf /f]huf/Ldf k7fpg g]kfn ;/sf/sf] ;DalGwt
lgsfoaf6 :jLs[lt ePsf] cflwsfl/s sfuhftsf] k|ltlnlk k]z ug'{ kg]{5 .
-@_ j}b]lzs /f]huf/df hfg g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|fKt u/]sf
g]kfnL gful/ssf] j}w /fxbfgLsf] k|ltlnlk k]z ug'{ kg]{5 .
102
-#_ ljb]zl:yt /f]huf/bftfaf6 /f]huf/L lbg] ;DaGwdf k|fKt cflwsfl/s sfuhftsf]
k|ltlnlk k]z ug'{ kg]{5 .
-$_ o; Joj:yf adf]lhd ;6xL ;'ljwf pknJw u/fpg] ljb]zL d'b|f le;f b:t'/ ltg]{
k|of]hgsf] nflu dfq pkof]u x'g] ;'lglZrt ug'{ kg]{5 .
-%_ le;f b:t'/ /sd ;DalGwt d'n'ssf] le;f k|bfg ug]{ cflwsfl/s lgsfosf] gfddf dfq
pknJw u/fpg' kg]{5 .
-^_ o:tf] /sd ;DalGwt d'n'sn] Joj:yf u/]sf] j]j;fO6 k|of]u u/L O06/g]6 dfk{mt
On]S6«f]lgs k]d]06 sf8{ k|of]u u/]/ ;d]t e'QmfgL ug{ ;lsg]5 . o;/L ul/Psf] k|To]s
e'QmfgLsf] Receipt ;f] j]j;fO6af6 lk|06 u/L clen]vsf] nflu ;'/lIft /fVg' kg]{5 .
-&_ j]j;fO6 dfk{mt ul/g] e'QmfgL j}b]lzs /f]huf/ Joj;foL cfk}mn] OG6/g]6 dfk{mt ug{
rfx]df dfly v08 -!_,-@_ / -#_ df pNn]v ul/Psf sfuhft / v08 -$_,-%_ / -^_ df
ul/Psf] Joj:yf kfngf x'g' kg]{ zt{df k|lt sfdbf/ nfUg] le;f z'Nssf] b/n] x'g] s'n
ljb]zL d'b|fsf] ;6xL k|bfg u/L ;f]xL ;6xL /sdsf] ;Ldf leq /xL o; a}+saf6 hf/L
PsLs[t kl/kqsf] O=k|f=kl/kq ;+VofM !% df ePsf] Joj:yf / cfkmgf] cfGtl/s
Joj:yf adf]lhd ;DalGwt /f]huf/ Joj;foLsf] ;+:yfut gfddf ljb]zL d'b|fsf]
q]ml86÷8]lj6÷ lk|k]8 sf8{ hf/L ug{ ;lsg]5 .
-v_ j}b]lzs /f]huf/ Joj;foLn] g]kfnL gful/snfO{ ljb]zdf /f]huf/sf] cj;/ lbnfP afkt ljb]zL
kIfnfO{ s'g} sld;g, z'Ns cflb ltg'{ kg]{ ePdf ;f] k|of]hgsf] nflu cfjZos kg]{ ljb]zL
d'b|fsf] ;6xL ;'ljwf b]xfosf k|s[of k"/f u/L k|bfg ug{ ;lsg]5 M–
-!_ o:tf] z'Ns lng] lbg] ;DaGwdf b'O{ kIf aLr cflwsfl/s ;Demf}tf jf lnvt eO{ ;f]
lnvtnfO{ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|bfg ul/Psf] x'g'kg]{ 5 .
-@_ ;Demf}tf ug]{ ljb]zL kIfn] ljb]zl:yt /f]huf/bftf kIfn] o:tf] sfo{ ug{ cg'dlt k|bfg
u/]sf] k'li6 x'g] sfuhft lng' kg]{5 . ;fy}, o:tf] kIf JolQm ljz]if ePdf ;f] JolQmsf]
gfddf e'QmfgL k7fpg ;d]t g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|fKt
JolQm x'g'kg]{5 .
-#_ o:tf] k|of]hgsf] nflu pknJw u/fOg] ;6xL ;'ljwf 8«fkm\6, l6=l6= jf a}+s 6«fG;km/sf]
dfWodaf6 dfq pknJw u/fpg' kg]{5 .
-$_ o:tf] e'QmfgLdf k|rlnt Joj:yf cg';f/ nfUg] s/ z'Ns cflb /fh:j bflvnf u/]sf]
k|df0f lng' kg]{5 .
-u_ j}b]lzs /f]huf/ Joj;foLn] ljb]zL d'b|fdf ePsf] cfh{gsf] cfwf/df ljb]zL d'b|f vftf vf]Ng
;Sg] x'+bf ;DalGwt Joj;foLsf] ljb]zL d'b|f vftf vr{ x'g] u/L ;d]t dfly bkmf & v08 -s_
/ bkmf & v08 -v_ df plNnlvt k|s[of k"/f u/L ljb]zL d'b|f e'QmfgL ug{ ;lsg]5 .
*= g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3df cfj4 sDkgL÷kmd{nfO{ ;6xL ;'ljwf k|bfg ug]{ ;DaGwL
Joj:yf .
g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3n] b]xfodf plNnlvt Joj:yf tyf zt{ cg';f/ l;kmfl/; u/]df ;f]
;+3;Fu cfj4 sDkgL÷kmd{sf] tk{maf6 Joj;flos e|d0fdf ljb]z hfg] kbflwsf/LnfO{ b]xfo
adf]lhdsf] ;6xL ;'ljwf pknJw u/fpg ;lsg] 5 .
-s_ ;6xL ;'ljwfsf] nflu ;+3af6 b]xfo adf]lhdsf] ljj/0f v'nfO{ l;kmfl/; ug'{ kg]{ .
-!_ ;6xL ;'ljwf dfu u/]sf] jf ;f] eGbf cl3Nnf] cfly{s jif{df 36Ldf qmdzM ?=!) nfv, ?=%
nfv / ?=@ nfv %) xhf/ cfos/ lt/]sf ;+3;Fu cfj4 sDkgL÷kmd{nfO{ qmdzM æsÆ,
ævÆ / æuÆ ju{df juL{s[t ug'{ kg]{ .
103
-@_ ;+3;Fu cfj4 sDkgL÷kmd{sf] nflu juL{s/0f cg';f/ æsÆ ju{sf] nflu ! hgfn] dfq kfpg]
u/L a9Ldf cd]l/sL 8n/ !),))).– ævÆ ju{sf] nflu ! hgfn] dfq kfpg] u/L a9Ldf
cd]l/sL 8n/ &,))).– / æuÆ ju{sf] nflu ! hgfn] dfq kfpg] u/L a9Ldf %,))).–
cd]l/sL 8n/;Ddsf] ;Ldf leq /xL l;kmfl/; ug'{ kg]{ .
-#_ ;DalGwt kmd{÷sDkgLn] lt/]sf] æcfos/ /sd / cfly{s jif{Æ pNn]v ug'{ kg]{ .
-$_ cfjå sDkgL÷kmd{sf] tk{maf6 b]xfosf kbflwsf/Lx?n] dfq ;6xL ;'ljwf pkef]u ug{ ;Sg]
u/L kbflwsf/Lsf] gfd, ;6xL :jLs[lt lng] a}+s÷ljQLo ;+:yfsf] gfd pNn]v ug'{ kg]{ M
-c_ kkmd{sf] xsdf k|f]k|fO6/
-cf_ ;fe]mbf/L kmd{sf] xsdf ;fe]mbf/
-O_ sDkgLsf] xsdf ;+rfns÷k|jGw ;+rfns
-%_ ;DalGwt kmd{÷sDkgLsf] btf{, cfos/ btf{ / s/ lt/]sf] jf s/sf] ljj/0f k]z u/]sf]
k|df0f÷k|ltlnlk lng' kg]{ .
-^_ cfj4 kmd{÷sDkgLsf] juL{s/0f, ;6xL ;'ljwf nufot ;Dk"0f{ clen]v / ;f] sf] cfwf/df
ul/g] ;6xL ;'ljwf l;kmfl/; ;DaGwL ;Dk"0f{ lhDd]jf/L ;+3sf] x'g] Joxf]/f l;kmfl/;df
pNn]v ug'{ kg]{ .
-v_ dfly v08 -s_ df plNnlvt ljj/0f ;lxt ;+3af6 k|fKt l;kmfl/;sf] cfwf/df a}+s tyf ljQLo
;+:yfn] b]xfo ad]flhd ;6xL ;'ljwf k|bfg ug'{ kg]{ .
-!_ æsÆ, ævÆ / æuÆ ju{df k/]sf kmd{÷sDkgLnfO{ Ps cfly{s jif{df clwstd qmdzM
cd]l/sL 8n/ !),))).–, &,))).– / %,))).– a/fa/ ;Ddsf] dfq ;6xL ;'ljwf pknJw
u/fpg' kg]{ .
-@_ o:tf] ;6xL ;'ljwf 8]lj6÷q]ml86÷lk|k]8 sf8{ h:tf a}+lsª pks/0fsf dfWodaf6 pknJw
u/fpg ;lsg] .
-#_ q]ml86 sf8{ dfk{mt o:tf] ;6xL ;'ljwf pknJw u/fp+bf q]ml86 sf8{ ;DaGwL cfˆgf]
sfo{ljlw÷k|lqmof k"/f u/]/ dfq pknJw u/fpg' kg]{ .
-$_ e|d0fdf hfg] kbflwsf/Lsf] sGkmd{ xjfO{ l6s6, /fxbfgL / le;f lng'kg]{ eP ;f] ;d]tsf]
cfwf/df dfq o:tf] ;'ljwf pknJw u/fpg' kg]{ .
-%_ o; Joj:yf cGt/ut k|bfg ePs]f ;6xL ;'ljwfsf] laj/0f ;+nUg cg';"rL &=& cg';f/
k|To]s dlxgf Joltt ePsf] !% lbg leq o; ljefudf k]z ug'{ kg]{5 .
(= ljleGg k|of]hgsf] nflu kl/jTo{ ljb]zL d'b|fsf] ;6xL ;DaGwL Joj:yf M
b]xfosf JolQm, ;+3, ;+:yf tyf Ohfhtkqk|fKt ;+:yfx¿nfO{ ljleGg k|of]hgsf] nflu lgDg adf]lhd
kl/jTo{ ljb]zL d'b|f -ef/t afx]s_ sf] ;6xL ;'ljwf k|bfg ug{ ;lsg] Joj:yf ul/Psf] 5 .
-s_ JolQm tyf ;+3, ;+:yfsf] nflu M
-!_ ;6xL dfu ug]{ JolQm, ;+3, ;+:yf g]kfnL x'g'kg]{5 .
-@_ o:tf] ;6xL ;'ljwfsf] Beneficiary ljb]zl:yt ;+3, ;+:yf g} x'g'kg]{5 . ljb]zl:yt
JolQm ljz]ifnfO{ Beneficiary agfpg ldNg] 5}g .
-#_ dfu ePsf] ;6xL /sdnfO{ k'li6 ug]{ aLhs (Invoice) jf cGo documentry evidence x'g'kg]{5 .
-$_ cfj]bssf] xsdf JolQm eP g]kfnL gful/stfsf] k|df0fkqsf] k|lnlnlk / ;+3, ;+:yf
eP ljlwjt\ btf{ ePsf] / gjLs/0f ug'{kg]{ eP gjLs/0f ;d]t ePsf] btf{
k|df0fkqsf] k|ltlnlk ;+nUg ug'{kg]{5 .
-%_ o:tf] ;6xL ;'ljwf a9Ldf cd]l/sL 8n/ !),))) -cd]l/sL 8n/ bzxhf/_ ;Dd
8«fkm\6÷l6=l6=sf] dfWodaf6 dfq ug'{kg]{5 .
104
-^_ k|rlnt Joj:yf cg';f/ s/ nfUg] lsl;dsf e'QmfgL -h:t}M /f]oN6L, sld;g,
k|fljlws ;]jf z'Ns, k/fdz{ z'Ns, lj1fkg cflb_ sf] xsdf lgodfg';f/sf] clu|d
s/ hDdf u/]sf] k|dfl0ft sfuhft ;+nUg u/]kl5 dfq ;6xL ;'ljwf k|bfg
ug'{kg]{5 .
-&_ k'FhL vftf cGtu{t kg]{ sf/f]jf/ -ljb]zL z]o/ v/Lb, l8kf]lh6 cflb_ sf] nflu of]
;6xL ;'ljwf k|of]u ug{ ldNg] 5}g .
-*_ dfn;fdg cfoft ug]{ k|of]hgsf] nflu of] Joj:yf nfu' gx'g] x'Fbf o; Joj:yf
cGtu{tsf] ;6xLdf lj=lj=lg=kmf=g+=$-s_ hf/L ug{ kg{] 5}g .
-v_ a}+s÷ljQLo ;+:yfx¿sf] nflu M
a}+s÷ljQLo ;+:yfx¿n] b]xfodf pNn]lvt sfo{ tyf k|of]hgsf] nflu kl/jTo{ ljb]zL d'b|f
e'QmfgL ubf{ o; a}+ssf] :jLs[lt lng'kg]{ 5}g .
-!_ a}+s÷ljQLo ;+:yfx¿sf] cfˆg} k|of]hgsf] nflu dufpg] k':ts, kq–klqsfx¿
-@_ a}+s÷ljQLo ;+:yfx¿ :jo+ cfj4 /x]sf] ljleGg cGt/f{li6«o ;+3, ;+:yfx¿sf]
;b:otf
z'Ns
-#_ a}+s÷ljQLo ;+:yfx¿sf] tkm{af6 tflnd, uf]i7L, a}7s cflbdf efu lng hfFbf
cfof]hs ;+:yfnfO{ lbg'kg]{ tflnd÷;xeflutf cflb z'Ns
-$_ a}+}s÷ljQLo ;+:yfx¿n] k|of]u ug]{ ;~rf/ ;]jfsf] e'QmfgL (Reuters, Bridge-News, Swift dfq_
-%_ pko{'Qm k|of]hgsf] nflu ul/g] ljb]zL d'b|fsf] e'QmfgL Beneficiary ;+:yfsf] gfpFdf
dfq k7fpg' kg]{5
-^_ Jofkfl/s ;fv ;"rgf (Business Credibility Information) sf] ;]jf z'Ns e'QmfgL
-&_ pko{'Qm k|of]hgsf nflu a}+s÷ljQLo ;+:yfx¿n] ljb]zL d'b|f /sdfGt/ ubf{ ;f]
/sd k'li6 ug]{ cfjZos sfuhft jf Invoice ;+nUg x'g'kg]{5 / k|rlnt Joj:yf
cg'?k e'QmfgLdf s/ nfUg] eP s/ a'emfPsf] lg:;f ;d]t clgjfo{?kn] ;+nUg ug'{
kg]{5 .
-u_ ljb]zl:yt c:ktfndf uO{ cf}ifwf]krf/ u/fpg] / cfjZos cf}ifwL v/Lb ug]{ k|of]hgsf
nflu g]kfnL gful/sx?nfO{ b]xfo adf]lhdsf] k|s[of k"/f u/L a}+s tyf ljQLo ;+:yfx?n]
jflif{s cd]l/sL 8n/ !) xhf/;Dd ;6xL ;'ljwf k|bfg ug{ ;Sg]5g\ .
-!_ jfXo d'n's uO{ pkrf/ u/fpg rfxg] jf ug{'kg]{ JolQmn] g]kfnsf c:ktfndf
:jf:Yo k/LIf0f u/fO{ jfXo d'n's uO{ pkrf/ u/fpg pko'Qm x'g] egL :jb]zsf
8fS6/n] pknJw u/fPsf] l;kmfl/;kq tyf ljb]zl:yt c:ktfnaf6 pkrf/df nfUg]
cg'dflgt vr{ pNn]v ePsf] sfuhft k]z ug{'kg]{
-@_ o:tf] ;6xL ;'ljwf ljb]zL c:ktfnn] e'QmfgL kfpg] u/L k7fpg' kg]{ .
-#_ o; Joj:yf cGtu{t ;6xL afkt lnPsf] /sdsf] vr{ ljj/0f pkrf/af6 kms]{sf]
!% lbgleq ;DalGwt a}+s tyf ljQLo ;+:yfdf a'emfpg' kg]{
-$_ o;/L ;6xL ;'ljwf k|bfg u/] kZrft pQm ;'ljwf lbOPsf JolQmx?sf] gfd, 7]ufgf,
kmf]g gDa/, ;6xL lnPsf] d'b|f / /sd pkrf/ u/fpg] ljb]zL c:ktfnsf] gfd,
7]ufgf Pjd\ vr{ km5of{}6\ eP÷gePsf] ljj/0f cw{jflif{s ?kdf !% -kGw|_ lbg leq
o; ljefudf k]z ug'{ kg]{5 .
-%_ v08 u-#_ adf]lhdsf] ;6xL lnO{ ;f]sf] ljj/0f ga'emfpg] JolQmnfO{ k'g M To:tf]
;'ljwf k|bfg ul/g]5}g .
105
-3_ b"/ ;+rf/ ;DaGwL ;]jf k|bfos g]kfnL sDkgLx?n] ljb]zL ;]jf k|bfos sDkgLx?;Fu
;Demf}tf u/L ;]6]nfO6 ;]jf ef8fdf lng] jf k|of]u u/]sf]df b]xfosf sfuhft lnO{ ef8f
afkt jflif{s cd]l/sL 8n/ ! nfv;Ddsf] e'QmfgL a}+s tyf ljQLo ;:yf :jod\n] ug{
;Sg]5g\ M
-!_ ;]jf k|bfos ;+:yf / g]kfnL sDkgL aLr ;]jf pknJw u/fpg] ;DaGwdf ePsf]
;Demf}tf .
-@_ ;DalGwt lgodgsf/L lgsfo -;"rgf tyf ;+rf/ dGqfno_ sf] l;kmfl/;
-#_ ljb]zl:yt ;]jf k|bfos sDkgL÷;+:yfn] hf/L u/]sf] OGEjfO;
-$_ lgodfg';f/ nfUg] s/ lt/]sf] lg:;f .
-ª_ g]kfnL jfo';]jf sDkgLx?n] xjfO{ hxfhsf OlGhg jf kf6{k"hf{ h:tf ;fdfg ljb]z nuL
dd{t u/L Nofpg] k|of]hgsf nflu b]xfo adf]lhdsf sfuhftsf cfwf/df k|rlnt Joj:yf
cGtu{t /xL cd]l/sL 8n/ ! nfv;Ddsf] clu|d e'QmfgL a}+s tyf ljQLo ;+:yf :jod\n]
k7fpg ;Sg]5g\ .
-!_ ;DalGwt lgodgsf/L lgsfo -gful/s p88\og k|flws/0f_ sf] l;kmfl/;
-@_ kf6{k"hf{ w/f}6Ldf lgof{t ePsf] k|1fkgkq
-#_ lgodfg';f/ nfUg] s/ lt/]sf] lg::ff .
o;/L e'QmfgL lbOPsf] /sd ;fdfg dd{t eO{ lkmtf{ cfPkl5 ;f]sf] lg:;f a}+sn] lng'kg]{5 .
r_ cGt/fli6«o p8fg cg'dlt k|fKt g]kfnL jfo';]jf sDkgLx?n] xjfO{ hxfhsf OGwg vl/b
k|of]hgsf nflu b]xfo adf]lhdsf sfuhftsf cfwf/df k|rlnt Joj:yf cGtu{t /xL
cd]l/sL 8n/ ! nfvsf] ;Ldf ;Dd kl/jTo{ ljb]zL d'b|f a}+s tyf ljQLo ;+:yf :jod\n]
8«fkm\6÷l6=l6=÷l:jkm\6 dfkm{t k7fpg ;Sg]5g\ .
-!_ ;DalGwt lgodgsf/L lgsfo -g]kfn gful/s p88\og k|flws/0f_ sf] l;kmfl/;
-@_ ljdfg:yndf OGwg cfk"lt{ k|bfos ;+:yf -ljdfg:yndf OGwg cfk"lt{ ug]{ ;+:yf
v'Ng] sfuhft_ jf ;f];Fu ePsf] ;Demf}tf
-#_ ljb]zl:yt ;]jf k|bfos sDkgL÷;+:yfn] hf/L u/]sf] OGEjfO; .
!)= d]lzg/L tyf cf}hf/x? ef8fdf k|of]u u/] afktsf] ;6xL ;'ljwf ;DaGwdf .
g]kfnL pBf]ux?n] ef/taf6 d]lzg/L tyf cf}hf/x? ef8fdf lnO{ k|of]u u/] afkt e'QmfgL ug'{ kg]{
/sd b]xfosf cfwf/df jflif{s ef=?=!) nfv;Ddsf] e'QmfgL a}+s tyf ljQLo ;+:yf cfk}mn] k7fpg
;Sg] 5g\ .
-s_ pBf]un] ;6xLsf] nflu a}+s ;dIf lgj]bg lbg' kg]{5 .
-v_ g]kfnL pBf]u / ef/tLo d]lzg/L ;fdfg cfk"lt{stf{ aLr ;fdfg ef8fdf lng] lbg]
;DaGwdf ePsf] ;Demf}tf jf cfk"lt{stf{n] hf/L u/]sf] Invoice sf] k|dfl0ft k|ltlnlk ;+nUg
x'g'kg]{ 5 .
-u_ ;fdfg ef8fdf k|of]u ug]{ u/L w/f}6Ldf cfoft ePsf] eG;f/ k|1fkgkqsf] k|ltlnlk ;+nUg
x'g'kg]{5 .
-3_ lgodfg';f/ nfUg] s/ lt/]sf] k|dfl0ft lg:;f k]z ug{' kg]{5 .
!!= ljljw sfo{qmdx? ;~rfng ug]{ cu'jf cfof]hs ;+:yf (Lead Organizer) nfO{ pknAw x'g]
;6xL Joj:yf M
g]kfnsf ljZjljBfno, ;/sf/L cg'bfg tyf ;xof]udf ;+rflnt ;+3÷;+:yf jf cGt/f{li6«o u}/
;/sf/L ;+3 ;+:yfx?n] cu'jf cfof]hs ;+:yf (Lead Organizer) sf] ?kdf /xL ljb]zl:yt ;/sf/
jf ;+3 ;+:yfx?af6 ljb]zL d'b|fdf cfly{s ;xof]u k|fKt u/L] g]kfn ;lxt cGo d'n'ssf nflu
106
sfo{qmd ;~rfng u/]sf] ePdf s'n ljb]zL d'b|f g]kfn lelqPsf] k|df0f, ;DalGwt lgofds lgsfosf]
l;kmfl/; / ;DalGwt kIfx? jLr /sd ;d]t pNn]v ePsf] ;Demf}tfsf cfwf/df g]kfnsf nflu
k|fKt /sd s§f u/L afFsL ljb]zL d'b|f /sd k|fKt ug]{ ;DalGwt jfl0fHo a}+sx?Dffk{mt\ sfo{qmd
;~rfng x'g] cGo d'n'sdf k7fpg ;Sg] 5g\ .
!@= Kofs]h 6'/ ;DaGwL sfd ug]{ 6'/ ck/]6/x?nfO{ k|bfg ug]{ ;6xL ;DaGwL Joj:yf M
o; a}+saf6 ljb]zL ljlgdosf] sf/f]jf/ ug{ Ohfht k|fKt u/]sf g]kfnL 6«feN;÷6';{ sDkgLx?n]
ljb]z e|d0fsf nflu :jod\Fn] jf ljb]zl:yt Ph]G;L;Fu ;xsfo{ u/L ljleGg 6'/ Kofs]h ;DaGwL ;]jf
lbO{ ;f]sf] nflu ljb]zl:yt 6'/ ck/]6/nfO{ e'QmfgL k7fpg ljb]zL d'b|f cfjZos k/]df ljb]z l:yt
sDkgL÷;+:yfsf gfpFdf hDdf x'g] u/L a}+s tyf ljQLo ;+:yfn] e'QmfgL k7fpg tyf dfg;/f]j/
s}nf;sf] Kofs]h cGtu{t ef/tLo ko{6snfO{ ;]jf k|bfg ug]{ g]kfnL 6'/ ck/]6/x?af6 ef/tLo
ko{6sn] g]kfndf ljb]zL d'b|fdf u/]sf] vr{sf] cfwf/df ;6xL dfu u/]sf] cj:yfdf b]xfo adf]lhd
;6xL lbg ;lsg]] 5 .
s= g]kfnL gful/sx?nfO{ ljb]z e|d0fsf nflu k|lt JolQm cd]l/sL 8n/ !))) ;Dd b]xfosf
cfwf/df e'QmfgL k7fpg ;lsg] 5 .
-!_ ;6xL dfu ug]{ 6«fen÷6'/ sDkgLn] cfkmgf] sf/f]jf/ ePsf] a}+s ;dIf lgj]bg
lbg'kg]{ 5 .
-@_ ljb]zl:yt 6'/ Kofs]h ;~rfng ug]{ ;DalGwt sDkgL÷;+:yfn] hf/L u/]sf] ofq'
;+Vof / b/ pNn]v ePsf] OGEjfO; ;+nUg x'g'kg]{ 5 .
-#_ ljb]zl:yt 6'/ ck/]6/nfO{ e'StfgL k7fpFbf ljb]zsf] 6'/ ck/]6/÷sDkgL÷;+:yfn] g}
e'StfgL kfpg] u/L k7fpg' kg]{5 .
-$_ e|d0fdf hfg] g]kfnL gful/ssf] /fxbfgL, sGkmd{ xjfO{ l6s6 le;f lng'kg]{ eP ;f]
;d]tsf] k|ltlnlk ;+Ung x'g'kg]{ 5 .
-%_ pko{'Qm /sdaf6 gk'u ePsf] v08df e|d0f ug]{ JolQmn] /fxbfgL ;'ljwf cGtu{t
k|fKt ug]{ ljb]zL d'b|fsf] ;Ldfaf6 s§f u/L /fxbfgLdf e'QmfgL lbPsf] 5fk nufO{
dfq ;6xL lbg'kg]{5 .
-^_ syd\sbflrt e|d0f sfo{qmd /2 ePdf k7fPsf] /sd lkmtf{ ug]{ lhDd]jf/L ;6xLsf]
nflu cg'/f]w ug]{ 6«fen 6'/ Ph]G;Lsf] x'g]5 .
-&_ o;/L lkmtf{ ePsf] ljb]zL d'b|f afkt ;DalGwt a}+sn] 6«feN; tyf 6'/ ck/]6/nfO{
g]kfnL ?k}ofFdf ;6xL lbg' kg]{5 . ;fy}, Ohfhtkqk|fKt 6«fen tyf 6'/ Ph]G;Lx?n]
o;/L ;6xL lnO{ /sd k7fPsf] / e|d0f /2 eO{ /sd lkmtf{ ePsf] ljj/0f o;} ;fy
;+nUg adf]lhdsf] kmf/fd e/L dfl;s ?kdf o; ljefudf k]z ug'{kg]{ 5 .
v= g]kfnL 6'/ ck/]6/dfk{mt\ dfg;/f]j/ s}nfz, ltAat hfg] ef/tLo ko{6s ;d"xnfO{ g]kfnsf
xf]6ndf /fvL ko{6sn] lglZrt /sd xf]6ndf vr{ u/]sf] cfwf/df 6'/ ck/]6/n] ltAatdf
lbg'kg]{ e'QmfgLsf] nflu ;6xL ;'ljwf dfu u/]df b]xfosf cfwf/df ;6xL ;'ljwf pknAw
u/fpg ;lsg] 5 .
-!_ ;6xL dfu ug]{ 6«fen÷6'/ sDkgLn] cfkmgf] sf/f]jf/ ePsf] a}+s ;dIf lgj]bg
lbg'kg]{ 5 .
-@_ a}lsË k|0ffnL dfkm{t\ ;DalGwt 6'/ ck/]6/sf] vftfdf ef/tLo ko{6saf6 k|lt
ko{6s slDtdf ef=?=! nfv lelqPsf] lg:;f ;+nUg ug{'kg]{5 .
-#_ ko{6s jf ko{6s ;d"xnfO{ g]kfnsf xf]6ndf /fvL ko{6sn] k7fPsf] /sddWo]]
slDtdf ef=?=%) xhf/ vr{ u/]sf] x'g'kg]{5 . ;fy}, To:tf] /sd xf]6ndf vr{ u/]sf]
VAT Invoice ;+nUg ug{' kg]{5 .
107
-$_ ltAatl:yt 6'/ Kofs]h ;~rfng ug]{ ;DalGwt sDkgL÷;+:yf jf xf]6nn] hf/L
u/]sf] ofq' ;+Vof / b/ pNn]v ePsf] OGEjfO; ;+nUg ug{' kg]{5 . Credit
Invoice k]z ePsf] cj:yfdf vr{ ePsf] Invoice k]z ug{ nufO{ a}+sn] kmfOn
cBfjlws ug{'kg]{5 .
-%_ ltAat e|d0fdf hfg] ef/tLo gful/ssf] /fxbfgL tyf le;fsf] k|ltlnlk ;+Ung
x'g'kg]{ 5 .
-^_ plNnlvt cfwf/df k|lt ko{6s clwstd o'=P;=8n/ %)) ;Ddsf] kl/jTo{ ljb]zL
d'b|f ;6xL ;'ljwf pknAw u/fpg ;lsg] 5 .
-&_ syd\sbflrt e|d0f sfo{qmd /4 ePdf k7fPsf] /sd lkmtf{ ug]{ lhDd]jf/L ;6xLsf]
nflu cg'/f]w ug]{ 6«fen 6'/ Ph]G;Lsf] x'g]5 .
-*_ dfly v08 -v_ sf] -&_ adf]lhd lkmtf{ ePsf] ljb]zL d'b|f afkt ;DalGwt a}+sn]
6«feN; tyf 6'/ ck/]6/nfO{ g]kfnL ?k}ofFdf ;6xL lbg' kg]{5 .
-(_ Ohfhtkq k|fKt 6«fen tyf 6'/ Ph]G;Lx?n] o;/L ;6xL lnO{ /sd k7fPsf] /
e|d0f /2 eO{ /sd lkmtf{ ePsf] ljj/0f o;} ;fy ;+nUg adf]lhdsf] kmf/d e/L
dfl;s ?kdf o; ljefusf] cg'udg zfvfdf k]z ug'{kg]{ 5 .
!# o; kl/kq adf]]lhdsf] cd]]l/sL 8n/df k|bfg ul/g] ;6xL ;'ljwf cfjZostfg';f/ ;f]
a/fa/sf] cGo kl/jTo{ ljb]zL d'b|fdf ;d]t k|bfg ug{ ;lsg] 5 .
!$= kl/jTo{ ljb]zL d'b|fdf e'StfgL x'g]u/L t];|f] d'n'saf6 lnPsf] ;]jfsf] ;6xL :jLs[lt k|bfg
ubf{ g]kfn ;/sf/nfO{ e'StfgL ug{'kg]{ clu|d cfos/ (TDS), /fhZj nufotsf /sd o;
a}+sn] k|sfzg u/]sf] kl/jTo{ ljb]zL d'b|fsf] ljqmLb/sf] cfwf/df u0fgf u/L bflvnf ug{'
kg]{5 .
!%= ljb]zaf6 ljleGg k|of]hgsf] nflu k|fKt ePsf ljb]zL d'b|f /sd k7fpg] a}+saf6 lkmtf{ ug{
dfu eO{ cfPdf / h'g k|of]hgsf] nflu ljb]zL d'b|f lelqPsf] xf] ;f] cg'?k vr{ gx'g] ePdf
/ To:tf] /sd ;DalGwt vftfdf hDdf eO;s]sf] eP a]g]lkm;/Lsf] ;d]t ;xdlt lnO{ k|fKt
ePsf] ljb]zL d'b|fsf] ;Ldf ggf3\g] u/L cd]l/sL 8n/ % xhf/ ;Dd jf ;f] j/fj/sf] ljb]zL
d'b|f cfjZos sfuhftsf cfwf/df /sd k|fKt ug]{ ;DalGwt a}+sn] lkmtf{ k7fpg ;Sg]5 .
t/, To:tf] /sd cj}wflgs tyf ck/fwLs k|s[ltsf] ePdf lkmtf{ k7fpg ldNg]5}g .
108
cg';"rL &=!
-O=k|f=kl/kq ;+Vof & sf] bkmf !-`_ sf] k|of]hgsf] nflu_
ldlt M ====================
>L ===================
============================.
ljifo /fxbfgL afktsf] ;6xL ;'ljwf kfpFm .
dxfzo,
d ==================================================== df s/La ================================================================sf]
nflu -b]zsf] gfd_ -cjlw pNn]v ug'{kg]{
e|d0fdf hfg nfu]sf] x'Fbf /fxbfgL afktsf] lgodfg';f/ kfpg] cd]l/sL 8n/ ===========- cd]l/sL 8n/
===================dfq_ ;6xL ;'ljwfsf] nlfu cg'/f]w ub{5' .
d}n] o; /fxbfgL afkt ;6xL lnPsf] Ps dlxgfleq p2]Zo adf]lhd ljb]z ofqf gu/]df ;f] ljb]zL d'b|f
a}+sdf bflvnf ug]{5' . ;fy}, o; k6ssf] ljb]z e|d0fsf] nflu /fxbfgL afktsf] ;6xL ;'ljwf cGo s'g} klg
;+:yfaf6 glnPsf] Joxf]/f ;d]t cg'/f]w ub{5' . e'm7f ljj/0f k]z u/L ;6xL lnPsf] 7x/]df k|rlnt P]g,
sfg"g adf]lhd ;hfoFsf] efuLbf/ :jod\ x'g]5' .
ejbLo,
========================
b:tvt
ljj/0f M–
/fxbfgL g+= ====================== k"/f gfd M =======================================
Po/nfOG;sf] gfd M ====================== 7]ufgf M ===================================
-s_ xjfO{ l6s6 g+======================= kmf]g gDj/ M ===================================
-v_ xjfO{ l6s6 g+======================= /fxbfgL hf/L u/]sf] ldlt M ========================
p8fg lglZrt ePsf] tf/Lv===================== /fxbfgL axfnL /xg] ldlt M ======================
109
cg';"rL &=@
/fxbgL afkt ;6xL ;'ljwf k|bfg ul/Psf] dfl;s ljj/0f
-O=k|f=kl/kq ;+Vof & sf] bkmf !-7_ sf] k|of]hgsf] nflu_
Ohfhtkqk|fKt a}+s÷ljQLo ;+:yf÷lgsfosf] gfd ==========================================
==================;fn ====================dlxgf =============================ut]
l;=g+= ldlt gfd /fxbfgL g+= l6s6 g+= hfg] d'n'ssf]
gfd
/sd -o'=P;
8n/df_
;6xL k|bfg
ug]{ zfvf s}lkmot
s'n /sd
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
110
cg';"rL &=#
Jofkf/ k|j4{g afkt kl/kq ;+Vof & sf] !-ª_ cg'?k
;6xL ;'ljwf k|bfg ul/Psf] dfl;s ljj/0f
-O=k|f=kl/kq ;+Vof & sf] bkmf !-7_ sf] k|of]hgsf] nflu_
Ohfhtkqk|fKt a}+s÷ljQLo ;+:yf÷lgsfosf] gfd =============================================
==================;fn =============================dlxgf =============================ut]
l;=g+
= ldlt gfd /fxbfgL g+= l6s6 g+=
hfg] d'n'ssf] gfd /
sfo{s|dsf] gfd
/sd -o'=P;
8n/df_
;6xL k|bfg
ug]{ zfvf
;6xLsf]
cf}lrTo
s'n /sd
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
111
cg';"rL &=$
-O=k|f=kl/kq ;+Vof & sf] bkmf # sf] k|of]hgsf] nflu_
bkmf # -s_ adf]lhd ljb]z e|d0f -ef/t afx]s_ ubf{ pknJw u/fpg' kg]{ ;6xL ;'ljwfsf] tflnsf
-cd]l/sL 8n/df_
cfh{g
clwstd e|d0f vr{
Ps cfly{s jif{df
b}lgs xf]6n tyf
vfgf vr{
dgf]/Ghg, e}k/L tyf
cltly ;Tsf/ vr{
-k|ltk6s_
) – # nfv () lbg $%)=)) !,)))=))
# – & nfv () lbg %%)=)) !,%))=))
& nfveGbf dfly () lbg ^%)=)) @,)))=))
cg';"rL &=%
-O=k|f=kl/kq ;+Vof & sf] bkmf # sf] k|of]hgsf] nflu_
bkmf # adf]lhd ljb]z e|d0f -ef/t afx]s_ ubf{ pknJw u/fpg' kg]{ ;6xL ;'ljwfsf] tflnsf
-cd]l/sL
8n/df_
cfh{g
b}lgs xf]6n tyf
vfgf vr{
dgf]/Ghg tyf e}kl/ vr{
-k|ltk6s_
clwstd e|d0f lbg
Ps cfly{s jif{
) – # nfv #))=)) $))=)) $% lbg
# – % nfv #%)=)) %))=)) %% lbg
% – & nfv $))=)) ^))=)) ^% lbg
& – !) nfv $%)=)) &))=)) &% lbg
!) nfveGbf dfly %))=)) *))=)) *% lbg
112
cg';"rL &=^
-O=k|f=kl/kq ;+Vof & sf] bkmf #-ª_ sf] k|of]hgsf] nflu_
bkmf #-ª_ adf]lhd ef/t afx]ssf d'n'sx¿df e|d0f ubf{ ;6xL ;'ljwf k|of]hgsf nflu eg'{ kg]{ kmf/fd
>L ===================================
========================================
=========================================== .
!= lgj]bssf] gfd ===================================================
@= kb ==================================
#= kmd{÷sDkgL÷sfof{nosf] gfd
$= e|d0f ug]{ d'n's ==================================================
%= e|d0f ug]{ cjlw ldlt ======================= b]lv ===================== ;Dd hDdf lbg =========
&= cfjZos kg]{ ljb]zL d'b|f
-s_ b}lgs xf]6n tyf vfgf vr{
-v_ dgf]/Ghg tyf e}kl/ cfpg]
*= lgj]bssf] ljb]zL d'b|f vftfaf6 vr{ x'g] eP ;f]sf] vftf gDj/ ===========================
(= o;eGbf cl3 e|d0fdf uPsf] eP lnPsf] ljb]zL d'b|f ======================== / e|d0f cjlw
ldlt ======================== b]lv ======================= ;Dd
!)= o; cfly{s jif{df k6s k6s u/L xfn;Dd cfh{g u/]sf] ljb]zL d'b|f /sd ===============
;f] dWo] vftfdf hDdf ePsf] ljb]zL d'b|f /sd ======================
!!= ;+nUg sfuhftx¿ M–
-s_ ===========================
-v_ ===========================
-u_ ===========================
lgj]bssf] b:tvt
ldlt ====================================
pko{'Qm lgj]bg adf]lhd b}lgs xf]6n tyf vfgf vr{ ==================================== / dgf]/Ghg
tyf e}kl/ cfpg] vr{ ====================================== u/L hDdf ========================================
lgodfg';f/ pknJw u/fOPsf] 5 .
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
113
cg';"rL &=&
-O=k|f=kl/kq ;+VofM & sf] bkmf * sf] v-%_ sf] k|of]hgsf] nflu_
-a}+s tyf ljQLo ;+:yfsf] gfd_
-===============sfof{no_
-7]ufgf====================_
>L g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu
lg/LIf0f tyf cg'udg zfvf
afn'jf6f/,sf7df08f} .
dxfzo,
To; a}+ssf] O=k|f=kl/kq ;+VofM & sf] bkmf * sf] v-%_ df /x]sf] Joj:yf adf]lhd g]kfn ;d'b|kf/
lgsf;L k}7f/L ;+3sf] l;kmfl/;df ;f] ;+3;Fu cfj4 sDkgL÷kmd{nfO{ @)================ dlxgfdf b]xfo
ad]flhdsf] ;6xL ;'ljwf pknJw u/fO{Psf] Joxf]/f hfgsf/Lsf] nflu cg'/f]w 5 .
s|=;+= sDkgL÷kmd{sf] gfd kfpg] ;'ljwf pkof]u ug]{ kbflwsf/Lsf] gfd pkof]u /sd
ejbLo
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
114
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)*÷@)&$
cfk|jf; le;fdf ljb]z hfg] g]kfnL gful/sx?nfO{ Settlement
vr{ afkt k|bfg ug]{ kl/jTo{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf
;+o'tm /fHo cd]/Lsf, Sofgf8f, ci6]«lnof, Go"lhNof08 / a]nfot h:tf ljsl;t b]zx?df lgodfg';f/
cfk|jf; le;f (Immigrant Visa) k|fKt u/L tL d'n'sx?df a;f]af; ug{ hfg] g]kfnL gful/sx?nfO{ Settlement
vr{ afkt cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf b]xfosf] Joj:yf tyf zt{x?sf] cwLgdf /xL ljb]zL
ljlgdo -lgoldt ug]{+_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L Ohfht k|fKt æsÆ /
/fli6«o:t/sf ævÆ ju{sf ljsf; a}+sx?n] k|bfg ug{ ;lsg] Joj:yf ul/Psf] 5 .
-s_ cfk|jf; le;f kfPsf g]kfnL gful/sx?nfO{ dfq Settlement vr{ afkt k|lt Joltm a9Ldf cd]l/sL
8n/ %,))).– ;Dd jf ;f] a/fa/sf] cGo ljb]zL d'b|f ;6xL ;'ljwf pknAw u/fpg ;lsg] 5 . ;fy},
cnUu} /fxbfgL glnO{ cleefjssf] ;fydf hfg] s]6fs]6Lx?nfO{ klg hgxL ptm ;6xL ;'ljwf pknAw
u/fpg ;lsg]5 .
-v_ cfk|jf; le;f (Immigrant Visa) k|fKt u/L ;DalGwt b]zdf klxnf] k6s hfg] g]kfnL gful/sx?nfO{
Ps k6s dfq of] ;6xL ;'ljwf pknAw u/fpg' kg]{5 .
t/, cfk|jf; le;f k|fKt u/L of] Joj:yf cg';f/sf] ;6xL ;'ljwf glnO{ ;DalGwt b]z uP/ g]kfn
kmsL{ k'gM hfg] / ;f]xL b]zdf /x]sf] ;dodf cfk|jf; le;f k|fKt u/L g]kfn cfO{ k'gM hfg] g]kfnL
gful/sx?nfO{ o:tf] ;6xL ;'ljwf k|bfg ug{ ldNg] 5}g .
-u_ g]kfn ;/sf/n] hf/L u/]sf] j}w /fxbfgL, ;f] /fxbfgLdf nfu]sf] cfk|jf; le;f / g]kfn b]lv g} z'?
x'g] sGkmD8{ xjfO{ l6s6sf] k|ltlnlk clgjfo{?kdf lnO{ o:tf] ;6xL ;'ljwf pknAw u/fpg' kg]{5 .
pbfx/0fsf] nflu s]xL ljsl;t d'n'sx?sf] cfk|jf; le;fsf] ljj/0f b]xfo cg'?k 5g .
d'n's le;fsf] lsl;d
;+o'Qm /fHo cd]l/sf Immigrant Visa
Sofg8f Immigrant Visa
a]nfot Visa Highly Skilled Migrant Programme / Visa Settlement-AF
ci6]«lnof Permitted to remain in Australia Indefinitely n]lvPsf] Visa
-3_ o:tf] ;6xL ;'ljwf pknAw u/fPsf] /sd :ki6 b]lvg] u/L ;DalGwt Joltmsf] /fxbfgL / sGkmD8{
xjfO{ l6s6df b/kL7 u/L ;f] sfuhftsf] k|ltlnlk clen]vsf] nflu /fVg' kg]{ 5 .
-ª_ o; k|sf/sf] ;6xL ;'ljwf pknAw u/fPsf] ljj/0f dfl;s ?kdf dlxgf Joltt ePsf] & lbg leq
o; ljefudf pknAw u/fpg' kg]{5 .
115
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M)(÷@)&$
pRr lzIff cWoogsf] nflu kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwL Joj:yf
pRr lzIff cWoog ug{ ljb]z hfg] tyf cWoog/t ljBfyL{x¿nfO{ cfjZos kg]{ kl/jTo{ ljb]zL d'b|f
sf] ;6xL cg'dlt k|bfg ug]{ ;DaGwdf b]xfo cg';f/sf] Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{ u/fpg' x'g
ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ sf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}+ls+u
sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ / ævÆ ju{sf /fli6«o :t/sf ljsf;
a+}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= ef/t afx]ssf cGo d'n'sx¿df cWoogsf] nflu lbOg] ;6xL ;DaGwL Joj:yf M
-s_ g]kfn ;/sf/, lzIff dGqfnon] ljBfyL{nfO{ lghL vr{df ljb]z cWoog ug{ hfg] k|of]hgsf] nflu
Any Bank pNn]v u/L æk|yd k6s ;6xLsf] nflu a}+s k|ltÆ egL 5fk nfu]sf] No Objection Letter sf] ;Ssn k|lt g} ;+nUg x'g'kg]{ 5 .
-v_ o:tf] ;6xL ;'ljwf pknAw u/fpg' cl3 ljBfyL{sf] gfddf hf/L ePsf] ;DalGwt z}lIfs ;+:yfsf]
le;f ;DaGwL zt{ ;lxtsf] kq jf le;f;+Fu ;DalGwt lgsfoaf6 k|fKt ePsf] kqsf] k|dfl0ft
k|ltlnlk ;+nUg x'g'kg]{5 . o:tf] sfuhft k]z ubf{ dfu u/]sf] ljb]zL d'b|f /sdnfO{ k'li6 ug]{
;DalGwt z}lIfs ;+:yfsf] kq, Brochures, Invoice, I- 20 kmd{ cflb h:tf Supporting
Documents / /fxbfgLsf] k|ltlnlk lgj]bg ;fy ;+nUg x'g'kg]{5 . le;f k|fKt x'g' cufj} o:tf]
;6xL ;'ljwf k|bfg ug{"kg]{ cj:yfdf lgj]bsn] le;f gnfu]df ;f] /sd lkmtf{ ug]{ k|ltj4tf /
lhDd]jf/L lnPsf] :j3f]if0ff ug{{'kg]{5 .
-u_ e'QmfgL kfpg] z}lIfs ;+:yfsf] gfd, 7]ufgf / o;} kl/kqsf] bkmf ! sf] v08 -s_ df plNnlvt
lzIff dGqfnosf] No Objection Letter df pNn]v ePsf] z}lIfs ;+:yfsf] gfd, 7]ufgf, cWoogsf]
ljifo / tx nufotsf ljifodf Ps?ktf x'g'kg]{ 5 .
-3_ o;/L Supporting Documents n] cWoog ug{ hfg] jf cWoog/t k'li6 x'g] b]lvP kl5 dfq
ljb]zl:yt ;DalGwt z}lIfs ;+:yfsf] gfddf e'QmfgL x'g] u/L To:tf] ljb]zL d'b|f /sd
8«fk\m6÷l6=6L=÷:jLk\m6 6«fG;km/sf] dfWodaf6 dfq ;6xL ;'ljwf pknAw u/fpg' kg]{5 .
-ª_ lgjf{x vr{sf] xsdf v08 -v_ adf]lhd k]z x'g cfPsf] ;DaGwL sfuhftx? -Supporting
Documents) x]/L ljBfyL{af6 lgjf{x vr{ afktsf] /sd cfjZos 5 egL dfu u/]sf] v08df
lgjf{x vr{ -Living Expenses, Accommodations cflb_ afktsf] ;6xL ;'ljwf ljBfyL{sf] gfddf
pknJw u/fpg' kg]{5 . o;/L ;6xL ;'ljwf pknAw u/fp+Fbf lgDgfg';f/ ug'{ kg]{5 M–
-c_ lzIf0f ;+:yfsf] gfddf lzIf0f z'Ns -Tuition Fee) cf+lzs e'tmfgL u/]sf]÷;6xL u/]sf]
b]lvPdf Supporting document cg';f/ jflif{s ¿kdf nfUg] s'n /sdsf] a9Ldf %)
k|ltzt dfq ^ dlxgfsf] cjlwdf Psd'i7 jf k6s÷k6s u/]/ pknAw u/fpg ;lsg]5 .
-cf_ ;DalGwt z}lIfs ;+:yfaf6 lzIf0f z'Nsdf k"0f{ 5fqj[lQ k|fKt u/]sf] k'li6 x'g] sfuhft
k]z u/]df pkv08 -c_ cg';f/ lzIf0f z'Ns e'tmfgL ug'{ gkg]{ t/ cf+lzs 5fqj[lQ k|fKt
116
ePsf] v08df z}lIfs ;+:yfsf] zt{ adf]lhd s'n e'QmfgL ug'{kg]{ lzIf0f z'Ns lgwf{l/t
cjlwleq e'QmfgL u/]sf] x'g'kg]{ 5 .
-O_ dfly pkv08 -c_ df h'g;'s} s'/f pNn]v ePtfklg cWoog ug{ hfg] jf cWoog u/L
/x]sf] lzIf0f ;+:yf jf ;DalGwt b]zsf] /fhb"tfjf;af6 lzIf0f z'Ns, lgjf{x vr{ / cGo
vr{ ;d]t v'nfO{ /sd g} ls6fg u/L ljBfyL{sf] gfddf ;6xL ;'ljwf pknJw u/fpg
kqaf6 cg'/f]w eO{ cfPsf] v08df kqdf pNn]lvt k"/} /sdsf] ;6xL ;'ljwf ljBfyL{s}
gfddf pknJw u/fpg ;lsg]5 . t/, ljBfyL{n]] sn]hsf] lzIf0f z'Ns afkt JolQmut
gfddf ;6xL lnPsf] kl/jTo{ ljb]zL d'b|f sn]hdf a'emfPsf] k|df0f k]z u/]kl5 dfq csf]{
ls:tfsf] ;6xL ;'ljwf k|bfg ug{'kg]{ 5 .
-O{_ ljb]zdf cWoog ug{ hfg] jf cWoog/t ljBfyL{sf] le;f (Student Visa) k|flKt jf
gjLs/0f / lgjf{x tyf lzIf0f z'Nssf] nflu ;DalGwt d'n'ssf] ;/sf/L lgsfo jf
;DalGwt lzIf0f ;+:yfn] ljBfyL{s} vftf÷gfddf lglZrt /sd b]vfpg} kg]{ k|fjwfg
/fv]sf] cj:yfdf To:tf] k|fjwfg /x]sf] k'li6 x'g] sfuhftsf] cfwf/df cfjZos /sdsf]
;6xL pknJw u/fpg ;lsg]5 . o:tf] ;6xL ;DalGwt ljBfyL{nfO{ cfjZos kg]{
/sd;Dd dfq k|bfg ug'{ kg]{5 . t/, ljBfyL{sf] cfkmGt÷kl/jf/÷cfl>t (Dependent) sf] nflu o:tf] ;6xL k|bfg ug{ ldNg]5}g .
-p_ l8k]G8]G6 le;fdf hfg] ljBfyL{sf kl/jf/sf ;b:ox?nfO{ le;f / ljb]zdf clgjfo{ ljdf
ug{'kg]{ eP z}lIfs ;+:yf jf ;/sf/L lgsfosf] sfuhftsf] cfwf/df le;f / ljdf z'Ns
afktsf] ;6xL ;'ljwf k|bfg ug{ ;lsg]5 .
-pm_ ;DalGwt lzIf0f ;+:yfn] lzIf0f÷lgjf{x z'Nssf] e'QmfgL :jo+sf] gfddf dfFu gu/L
cfk"m4f/f lgo'Qm cGo ;+:yf÷Ph]G;Lsf] gfddf k7fpg' kg]{ pNn]v÷cg'/f]w u/]sf]
cj:yfdf Joxf]/f k'li6 x'g] sfuhftsf] cfwf/df o:tf] z'Ns cGo ;+:yf÷Ph]G;Lsf]
gfddf e'QmfgL ug{ ;d]t ;6xL k|bfg ug{ ;lsg]5 .
-P_ ;DalGwt lzIf0f ;+:yfn] g]kfnsf] ljb]zL ljlgdo ahf/df pknJw gx'g] cfkmgf] :yfgLo
d'b|fd} lzIf0f z'Ns e'QmfgL ug'{ kg]{ k|fjwfg /x]sf] Joxf]/f k|dfl0ft x'g] cflwsfl/s
sfuhft hf/L u/]sf] cj:yfdf ;DalGwt lzIf0f ;+:yfnfO{ lzIf0f z'Ns e'QmfgL u/]sf]
k|df0f kl5 k]z ug'{ kg]{ zt{df To:tf] :yfgLo d'b|f a/fa/sf] x'g] cd]l/sL 8n/ jf cGo
kl/jTo{ ljb]zL d'b|fsf] ;6xL ljBfyL{s} gfddf k|bfg ug{ ;lsg]5 . cl3Nnf] k6s o:tf]
;6xL lnO{ lzIf0f z'Ns e'Qmfg u/]sf] k|df0f k]z gug]{ ljBfyL{sf] gfddf To:tf] k|df0f
k]z gu/];Dd csf]{ ;6xL k|bfg ug{ ldNg] 5}g .
-P]_ ;+o'Qm /fHo cd]l/sfsf] Education Commission for Foreign Medical Graduates (ECFMG) n] ;~rfng ug]{ United States Medical License Examination (USMLE) tyf cGo b]zsf cflwsfl/s lgsfox¿n] ;~rfng ug]{ o:t} k|s[ltsf Joj;flos
k/LIffdf ;fd]n x'g hfg] ljBfyL{x¿sf] nflu g]kfn ;/sf/, lzIff dGqfnon] hf/L ug]{
dfly bkmf -s_ adf]lhdsf] No Objection Letter sf] cfwf/df kl/kqsf] v08 -5_ df
plNnlvt /sd;Dd Psd'i6 ljBfyL{sf] gfddf pknAw u/fpg ;lsg]5 .
-r_ ljb]zdf cWoog/t ljBfyL{nfO{ bf];|f] k6sb]lv ;6xL ;'ljwf cfjZos k/L ljBfyL{ cfk}mn] jf
lghsf cleefjs÷cfkmGtn] cfˆgf] kl/ro v'Ng] s'g} sfuhft ;+nUg u/L ;6xL ;'ljwfsf] nflu
cg'/f]w u/]df z'¿df ;6xL ;'ljwf kfpg cg'/f]w ubf{sf] cj:yfdf ljBfyL{ kl9/x]sf] k|dfl0ft x'g]
;DalGwt z}lIfs ;+:yfn] k|bfg u/]sf] sfuhft jf ljBfyL{sf] z}lIfs ;+:yf;F+u ;DalGwt Valid kl/rokq jf kl9/x]sf] Joxf]/f :ki6 v'Ng] cGo s'g} cBfjlws k|df0fsf] cfwf/df dfq o:tf]
;6xL ;'ljwf k|bfg ug'{ kg]{5 .
117
-5_ lgjf{x vr{ egL Supporting Documents df /sd gv'n]sf] cj:yfdf ljBfyL{/cleefjs/
cfkmGtaf6 lgjf{x vr{ dfu ePsf] cj:yfdf v08 -ª_ df plNnlvt cGo k|s[ofx¿ k"/f u/L
lgDgfg';f/sf] lgjf{x vr{ k|bfg ug{ ;lsg]5 M–
qmd ;+Vof b]zsf] gfd Jfflif{s ¿kdf kfpg] clwstd
lgjf{x vr{ -cd]l/sL 8n/df_
1 a+unfb]z, kfls:tfg @,%)).))
2 rLg, dn]lzof, yfONof08, lkmlnlkG; $,))).))
3 l;+ufk'/, blIf0f sf]l/of ^,))).))
4 Sofg8f, cd]l/sf, ci6«]lnof, o'/f]lkog d'n's *,))).))
5 cGo b]zx¿ %,))).))
-h_ olb ljBfyL{n] z'¿df k]z u/]sf] sfuhftaf6 b]lvg cfpg] Tuition Fee / lgjf{x vr{ afktsf]
/sdeGbf a9L /sdsf] ;6xL ;'ljwf dfu u/]df, To;/L j[l4 ePsf] /sdnfO{ k'li6 x'g] sfuhft
clgjfo{ ¿kdf k]z ug{'kg]{5 .
-em_ cWoog ;+:yfsf] gfddf ag]sf] 8«fk\m6÷l6=6L=÷:jLk\m6 cflb /2 ug{ cg'/f]w u/]df ljBfyL{
cWoogsf] nflu ljb]z ghfg] ePdf Living Expenses jf cGo e}k/L cfpg] vr{ lnO{ ;s]sf] eP
;f] /sd lkmtf{ ug{ nufP/ dfq / cGo cj:yfdf tn plNnlvt s'g} Ps sf/0f k/]df To:tf]
8«fkm\6÷l6=l6÷:jLkm\6 cflb a}+s tyf ljQLo ;+:yf :jo+n] /2 ug{ ;Sg]5g\ .
-c_ ;DalGwt d'n'ssf] /fhb"tfjf;af6 le;f k|fKt gePsf] k|df0f k]z u/]df,
-cf_ ;DalGwt lzIf0f ;+:yfsf] gfddf cGo ;|f]taf6 lzIf0f z'Ns e'QmfgL u/]sf] k|df0f k]z
u/]df
-O_ lzIf0f ;+:yf kl/jt{g u/L csf]{ lzIf0f ;+:yfsf] gfddf lzIf0f z'Ns e'QmfgL u/]sf]
k|df0f k]z u/]df .
t/, kl/jlt{t lzIf0f ;+:yfsf] gfddf lzIf0f z'Ns e'QmfgL ug'{ kg]{ ePdf g]kfn ;/sf/,
lzIff dGqfnoaf6 lzIf0f ;+:yf kl/jt{gsf] l:js[lt clgjfo{ ¿kdf lnPsf] x'g'kg]{ 5
-O{_ 8«fkm\6 l6=l6= sf] Dofb ;dfKt eO{ pNn]lvt /sd ;f]xL lzIf0f ;+:yfnfO{ g} k'gM k7fpg'
k/]df
-p_ Jojxfl/s sf/0fjz ljBfyL{ cWoogsf] nflu hfg g;Sg] cj:yf k/L sf/0f ;lxt
lgj]bg lbPdf .
t/ le;f kfO{ ;s]kl5 hd{gL nufot lzIf0f z'Ns gnfUg] /fi6«sf] ;DalGwt /fhb"tfjf;sf] kqsf]
cfwf/df ag]sf 8«fk\m6÷l6=6L=÷:jLk\m6 cflb /2 ug{ eg] o; ljefusf] :jLs[lt lng' kg]{5 .
@= ef/tdf cWoogsf] nflu M
-s_ ef/tl:yt ljZjljBfno÷sn]hn] cGt/f{li6«o k|lt:kwf{ u/fO{ egf{ lng 5'6\ofPsf] z}lIfs sf]6f
cGt/ut ef/tdf cWoog ug{ hfg] g]kfnL ljBfyL{sf] nflu cfjZos kg]{ lzIf0f z'Ns b]xfosf
zt{ k"/f ePsf] cj:yfdf cd]l/sL 8n/df ;d]t e'QmfgL ug{ ;6xL k|bfg ug{ ;lsg]5 .
-!_ o;} kl/kqsf] bkmf ! sf] v08 -s_, -u_, -3_, -r_, -h_ / bkmf !-v_ sf] le;f / /fxbfgL
afx]ssf zt{x¿ k"/f ePsf] x'g' kg]{ 5 .
-@_ ef/tl:yt ljZj ljBfno÷sn]hn] cd]l/sL 8n/d} lzIf0f z'Ns lng] u/L cGt/f{li6«o
k|lt:kwf{sf] nflu 5'6\ofPsf] z}lIfs sf]6f cGt/ut cWoog ug{ :jLs[lt kfPsf] x'g' kg]{
5 .
118
-#_ lzIf0f z'Ns ef/tLo ?k}ofF afx]s cd]l/sL 8n/ jf cGo kl/jTo{ ljb]zL d'b|fd} dfq
e'QmfgL ug'{ kg]{ Joxf]/f k|dfl0ft x'g' kg]{ 5 .
-$_ lzIf0f z'Ns afkt ;DalGwt ljZjljBfno÷sn]hn] pNn]v u/] adf]lhdsf] /sd ;f]xL
z}lIfs ;+:yfn] dfq kfpg] u/L ;6xL k|bfg ug'{ kg]{ 5 .
-%_ lgjf{x vr{ afkt cfjZos kg]{ /sd ef/tLo ¿k}ofFdf dfq k|bfg ug'{ kg]{ .
-v_ b]xfosf zt{x¿ k"/f ePsf] cj:yfdf ef/tdf cWoog ug]{ ljBfyL{, lghsf] cleefjs÷afa'÷
cfdfsf] gfddf kl/jTo{ ljb]zL d'b|fsf] vftf ePdf o:tf] vftfsf] df}Hbftn] EofP;Dd lzIf0f
z'Ns cd]l/sL 8n/df e'QmfgL ug]{ k|of]hgsf] nflu ljb]zL d'b|f vftf vr{ ug{ ;lsg]5 .
-!_ dfly bkmf @ sf] v08 -s_ sf] !, #, $ / % df plNnlvt zt{x¿ k"/f ePsf] x'g' kg]{5 .
-@_ ljBfyL{ :jo+sf] ljb]zL d'b|f vftf geO{ cleefjs÷afa'÷cfdfsf] vftfaf6 vr{ ug'{ k/]df
gftf k|dfl0ft x'g] sfuhft k]z x'g' kg]{ 5 .
-#_ o; Joj:yf adf]lhd lzIf0f z'Ns e'QmfgLsf] nflu ;DalGwt JolQmsf] vftf vr{ ug{]
afx]ssf] yk ;6xL ;'ljwf k|bfg ug{ ldNg] 5}g .
-u_ dfly bkmf @ sf] -s_ / -v_ adf]lhd lzIf0f ;+:yfsf] gfddf ag]sf] 8«fkm\6÷l6=l6÷:jLkm\6 cflb
s'g} klg sf/0fn] /2 ug'{ k/]df ;DalGwt a}+s÷ljQLo ;+:yf :jo+n] /2 ug{ ;Sg]5g\ .
#= ljljw Joj:yf M
-s_ of] kl/kq hf/L x'g' k"j{ g]kfn ;/sf/, lzIff dGqfnon] o; a}+snfO{ ;Daf]wg u/L n]v]sf]
l;kmf/L; kqsf] cfwf/df ljb]zdf cWoog/t ljBfyL{nfO{ cfjZos kg]{ lgjf{x afktsf] /sdsf]
;6xL ;'ljwf pknAw u/fOlbg elg ljBfyL{ jf lghsf cleefjs÷cfkmGtn] cg'/f]w u/]df o;
a}+saf6 pknAw u/fO{g] k|dfl0ft sfuhft tyf ljj/0fsf] cfwf/df o;} kl/kqsf] cwLgdf /xL
To:tf] ;6xL ;'ljwf pknAw u/fpg' kg]{5 .
-v_ dfly plNnlvt Joj:yf cg';f/ k|To]s k6s ;6xL ;'ljwf k|bfg u/]sf] :ki6 b]lvg] u/L k|To]s
ljBfyL{sf] 5'§f5'§} clen]v -ljB'tLo jf cGo pko'tm dfWodaf6_ /fVg' kg]{5 .
-u_ s'g} Ps a}+s÷ljQLo ;+:yfaf6 ;6xL ;'ljwf lnO{/x]sf ljBfyL{ jf lghsf cleefjs÷cfkmGtn]
lnlvt cg'/f]w u/L cGo a}+s÷ljQLo ;+:yfaf6 ;6xL ;'ljwf lng rfx]df cfk\mgf] clen]vdf
ePsf sfuhft tyf pknAw u/fPsf] ;6xL ;'ljwf ;DaGwL ;Dk"0f{ ljj/0f k|dfl0ft u/L
;DalGwt kIfnfO{ pknAw u/fpg' kg]{5 .
-3_ o;/L k|bfg u/]sf] ;6xL ;'ljwfsf] ljj/0f g]kfn /fi6« a}+s, zf]wgfGt/ dxfzfvfdf cg';"rL @
kmf=g+=g]=zf] @ -s_ sf]8 g+=!@)%)) lzIff zLif{sdf pNn]v u/L clgjfo{¿kn] dfl;s ¿kdf
k7fpg' kg]{5 .
119
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!)÷@)&$
g]kfnL gful/sn] gub} /fVg / ;6xL ug{ ;Sg]
gub kl/jTo{ ljb]zL d'b|fsf ;DaGwdf
g]kfnL gful/sn] gubdf /fVg ;Sg] tyf ;6xL ug{ ;Sg] gub kl/jTo{ ljb]zL d'b|fsf ;DaGwdf b]xfo
adf]lhdsf] Joj:yf ul/Psf]n] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u
u/L g]kfn /fi6« a}+s, a}lsË sfof{no nufotsf cGo sfof{nox? Pjd\ Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf
ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= g]kfnL gful/sn] gubdf /fVg ;lsg] kl/jTo{ ljb]zL d'b|fsf ;DaGwL Joj:yf .
g]kfnL gful/sn] ljb]zdf /f]huf/L jf Joj;fo u/L cfh{g u/]sf] jf ljb]z e|d0fsf nflu ;6xL
;'ljwf cGtu{t k|fKt ljb]zL d'b|fdWo] art x'g cfPsf] ljb]zL d'b|f eljiodf pkof]u ug]{ k|of]hgsf
nflu clwstd cd]l/sL 8n/ !%)) jf ;f] a/fa/sf] kl/jTo{ ljb]zL d'b|f;Dd gubdf /fVg
;Sg]5g . o:tf] /sd hlt;'s} k6ssf] >f]t ePtf klg s'ndf ;f] ;Ldf gf3\g x'g] 5}g . t/,
;DalGwt JolQmn] rfx]df To:tf] ;Dk"0f{ /sd g]kfnl:yt a}+sdf ljb]zL d'b|fsf] vftf vf]nL /fVg eg]
;Sg]5g .
@= gub kl/jTo{ ljb]zL d'b|f ;6xL ug]{{ ;DaGwL Joj:yf M
g]kfnL gful/sx¿n] cfˆgf] klxrfg v'Ng] k|df0f ;lxt gub kl/jTo{ ljb]zL d'b|f ;6xLsf] nflu
cg'/f]w u/]df b]xfo adf]lhdsf] Joj:yf cg?k k|rlnt ljlgdo b/df ;6xL ul/lbg ;lsg] 5 .
-s_ o:tf] ;6xL ubf{ Ps k6sdf cd]l/sL 8n/ #,))).– -tLg xhf/_ jf ;f] a/fa/ x'g] cGo
kl/jTo{ ljb]zL d'b|f dfq ;6xL ug{ ;lsg]5 .
-v_ ;6xL ug{ Nofpg] JolQm;Fu ;+nUg cg';"rL !)=! adf]lhdsf] lgj]bg lng' kg]{5 .
-u_ lgj]bg ;fy ;DalGwt JolQmsf] klxrfg v'Ng] k|df0fsf] ?kdf gful/stfsf] k|df0fkq jf g]kfn
;/sf/sf] s'g} lgsfo jf /f]huf/bftf lgsfon] hf/L u/]sf] kmf]6f] ;lxtsf] kl/rokqsf]
k|ltlnlkdf lgj]bsn] g} k|dfl0ft u/fO{ lng' kg]{5 .
-3_ ljb]zL d'b|f ;6xL u/]sf] k|df0f :j?k cGo lsl;dsf] /;Lb jf FEER (Foreign Exchange
Encashment Receipt) clgjfo{ ?kdf hf/L u/L ljb]zL d'b|fsf] vl/b clen]vdf ;d]t b]vfO
g]kfnL ?k}ofdf dfq e'QmfgL ug'{ kg]{5 .
-ª_ o:tf] ljb]zL d'b|faf6 ;DalGwt JolQmsf] ljb]zL d'b|f vftf vf]Ng jf e}/x]sf] To:tf] vftfdf
hDdf ug{ ldNg] 5}g .
-r_ o;/L ;6xL u/]sf] kl/jTo{ ljb]zL d'b|fsf] gf]6 klxrfg ug]{ tyf kl5 hfnL (Counterfeit) 7xl/Pdf ;DalGwt JolQm;Fu ;f]wegf{ u/fpg] bfloTj / lhDd]jf/L ;6xL ul/lbg] lgsfos}
x'g]5 .
-5_ ;6xL u/]sf] ljb]zL d'b|fsf] gf]6 hfnL (Counterfeit) 7xl/Pdf ;DalGwt kIf;Fu /sd lkmtf{
lng' kbf{ e'QmfgL lbPsf] /sd eGbf a9L x'g] u/L lkmtf{ lng kfOg] 5}g .
-h_ o:tf] ;6xL sf/f]jf/ ubf{ s'g} JolQmsf] sf/f]jf/ / >f]t z+sf:kb b]lvPdf k|rlnt Joj:yf
adf]lhd g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO{df hfgsf/L u/fpg' kg]{5 .
120
-em_ g]kfnL gful/sx?nfO{ ljb]zL Oi6ldq / u|fxsx?af6 pkxf/, l6K; cflb afkt k|fKt x'g]
ljb]zL d'b|f ;6xL ug{ dfu eO{ cfPdf u|fxssf] klxrfg v'Ng] sfuhft lnO{ Psk6sdf
cd]l/sL 8n/ %)).– -kfFr ;o_ jf ;f] a/fa/ x'g] cGo kl/jTo{ ljb]zL d'b|f Ohfhtkqk|fKt
dlgr]~r/x?af6 klg ;6xL ug{ ;lsg]5 . o;/L ;6xL ubf{ FEER hf/L ug{'sf ;fy} kl/jTo{
ljb]zL d'b|f ;6xL ug{ cfpg] JolQm;Fu cg';"rL !)=@ adf]lhdsf] @ k|lt :jM3f]if0ffkq eg{
nufO{ ;f]sf] ! k|lt dlgr]~h/n] k|dfl0ft u/L ;6xL ug{ cfpg] JolQmnfO{ clen]vsf] nflu
lbg' kg]{5 .
121
cg';"rL !)=!
-O=k|f= kl/kq ;+VofM !) sf] bkmf @-v_ sf] k|of]hgsf] nflu_
->L a}+s ljQLo÷ ;+:yf_
-7]ufgf_
ljifoM ljb]zL d'b|f ;6xL u/L lbg] .
dxfzo,
dnfO{ b]xfo adf]lhd ljb]zL d'b|f k|fKt ePsf]n] lgodfg';f/ ;6xL u/L lbg' x'g cfkmgf] klxrfg
v'Ng] kl/rokqsf] k|ltlnlk ;d]t ;+nUg u/L cg'/f]w u/]sf] 5' . pQm ljb]zL d'b|f gSsnL 7xl/Pdf ;6xL
lnPsf] /sd lkmtf{ a'emfpg] 5' .
ljb]zL d'b|fsf] lsl;d gf]6sf] gDj/ b/ k|fKt k|of]hg k|fKt ;|f]t
ejbLo,
b:tvtM
k"/f gfdM
7]ufgfM
kmf] g+=
df]jfOn g+=
kl/rokqsf] lsl;d
kl/rokqsf] gDj/M
122
cg';"rL !)=@
-O=k|f=kl/kq ;+Vof !) sf] bkmf @-em_ sf] k|of]hgsf] nflu_
-of] kmf/fd @ k|lt tof/ ug{' kg]{5 . ! k|lt sfof{nodf / Ps k|lt ;DalGwt JolQmnfO{ clen]vsf] nflu lbg' kg]{5 ._
>L ===============dlgr]~h/
=========================7]ufgf
ljifo M :jM3f]if0ff ;DaGwdf
dxfzo,
dnfO{ ljb]zL ko{6s÷/f]huf/bftfaf6÷Oi6ldqaf6 pkxf/, bfg, l6K; afkt k|fKt x'g cfPsf] ljb]zL
d'b|f lgodfg';f/ k|fKt ePsf] xf] . oL ljb]zL d'b|fx? s'g} u}/ sfg"gL ;|f]taf6 k|fKt ePsf] xf]Og egL
:jM3f]if0ff ub{5' . ;fy}, ljb]zL d'b|f gSsnL 7xl/Pdf ;6xL afkt lnPsf] /sd lkmtf{ a'emfpg] 5' .
l;=g+= ljb]zL d'b|fsf] lsl;d gf]6sf] gDa/ b/ k|fKt ;|f]t
;6xL ul/lbg] dlgr]~h/sf] gfd M lgj]bs,
cflwsfl/s JolQmsf] b:tvt M b:tvtM
5fk M k"/f gfdM
7]ufgf M
kmf]g g+=
123
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M !!÷@)&$
g]kfn ;/sf/ nufot ljleGg lgsfonfO{ cfjZos kg]{
ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf .
g]kfn ;/sf/sf ljleGg lgsfonfO{ cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf lgDg
adf]lhdsf] Joj:yfsf] cwLgdf /xL sf/f]jf/ ug{ o; a}+sn] ljb]zL ljlgdo -lgoldt ug]{ P]g, @)!(
-;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6« a}+s, a}lsË sfof{no Pjd\
Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= ljleGg lgsfonfO{ cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf M
lgDg lnlvt lgsfox?n] ljleGg k|of]hg -h:t}M dfn j:t' jf pks/0f cfoft, ;b:otf z'Ns, ;]jf
z'Ns, dd{t z'Ns, lj1fkg, jfo'ofgx?sf] ef8f jf lnh jf lnh kr]{hsf] e'QmfgL, OlGhgsf] /]06n
rfh{, k]m/L ˆnfO{6 vr{, hxfhsf] OlGhg tyf kf6{k'hf{x?sf] dd{t tyf cf]e/xn z'Ns, :6n ef8f,
k|;f/0f ;]jf z'Ns, 6«fG;kf]08/ z'Ns, eL:of6 z'Ns, 8fFs ;]jf z'Ns, 5kfO{ z'Ns, 8]d'/]h rfh{,
sfg"gL ;]jf z'Ns, b}lgs tyf e|d0f eQf, k/fdz{ ;]jf z'Ns, k|fljlws ;]jf z'Ns_ sf] nflu ljb]zL
d'b|fsf] ;6xL ;'ljwf dfu u/]df b]xfodf pNn]lvt zt{x?sf] cwLgdf /xL To:tf] ;6xL ;'ljwf
txfFaf6 ;f]e}m k|bfg ug{ ;Sg] Joj:yf ul/Psf] 5 .
-s_ g]kfn ;/sf/sf dGqfno, ljefu, sfof{nox?, ;Da}wflgs lgsfo cflb
-v_ g]kfnL ;]gf
-u_ g]kfn k|x/L
-3_ z;:q k|x/L
-ª_ g]kfn jfo';]jf lgud
-r_ g]kfn cfon lgud
-5_ g]kfn ljB't k|flws/0f
-h_ /]l8of] g]kfn
-em_ g]kfn 6]lnlehg
-`_ /fli6«o ;dfrf/ ;ldlt
-6_ g]kfn gful/s p8\8og k|flws/0f
-7_ g]kfn b"/;~rf/ k|flws/0f
-8_ lqe'jg ljZjljBfno
-9_ /fli6«o v]ns"b kl/ifb
-0f_ Jofkf/ tyf lgof{t k|j4{g s]Gb|
-t_ g]kfn ko{6g af]8{
-y_ g]kfn 6]lnsd
124
zt{x? M
-!_ dfu ePsf] ;6xL /sdnfO{ k'li6 ug]{ ;Demf}tf (Agreement) jf aLhs (Invoice) jf cGo
Documentary Evidence clgjfo{ ?kn] ;+nUg u/]sf] x'g'kg]{5 .
-@_ o:tf] ;6xL ;'ljwfsf] e'QmfgLsf] dfWod ;DalGwt lgsfosf] dfu adf]lhd Psfp06k]oL
8«fˆ6 jf l6=l6= jf Pn=;L x'g]5 .
-#_ dfn j:t' cfoft ug]{ k|of]hgsf] nflu 8«fkm\6 l6=l6= dfkm{t cfoft ug{ kfOg] ;Ldf eGbf
a9Lsf] xsdf k|rlnt Joj:Yff cGtu{t /xL k|tLtkqsf] dfWodaf6 dfq k|bfg ug'{ kg]{5 .
-$_ clkml;on e|d0fsf] l;nl;nfdf ef/t afx]s t];|f] d'n's hfg] ;DalGwt lgsfosf
JolQmx?sf] nflu k|bfg ul/g] b}lgs e|d0f eQf jf e}kl/ vr{ jf e|d0f vr{ afktsf]
/sdsf] xsdf ;DalGwt lgsfosf] dfu adf]lhd e'QmfgLsf] dfWod x'g]5 .
-%_ k|rlnt Joj:yf cg';f/ s/ nfUg] lsl;dsf e'QmfgL -h:t}M jfo'ofgsf] lnh jf ef8f,
/f]oN6L, sld;g, k|fljlws ;]jf z'Ns, k/fdz{ ;]jf z'Ns, k|;f/0f ;]jf z'Ns, tflnd z'Ns /
cGo s'g} klg ;]jf z'Ns (Service Charge), dd{t tyf cf]e/xn z'Ns, lj1fkg cflb_ sf]
xsdf lgodfg';f/ nfUg] clu|d cfos/ hDdf u/]sf] k|dfl0ft sfuhft clgjfo{ ?kn] ;+nUg
u/]kl5 dfq To:tf] ;6xL ;'ljwf k|bfg ug'{ kg]{5 .
-^_ ljb]zdf nuL dd{t tyf cf]e/xn u/]sf dfn j:t', kf6{k'hf{ jf pks/0f cflbsf] dd{t tyf
cf]e/xn z'Ns afktsf] /sd e'QmfgL ug'{ k"j{ tL ;fdfgx? ;DalGwt d'n's k7fpFbfsf]
lgof{t k|1fkgkq, Po/j] aLn / eG;f/ dxz'n bflvnf u/]sf] lg:;f clgjfo{ ?kn] ;+nUg
u/]sf] x'g'kg]{ 5 . ;fy}, dd{t tyf cf]e/xn eO{ g]kfn lelqPkl5 ;f]sf] eG;f/ k|1fkgkq
klg clgjfo{ ?kn] k]z ug{ nufpg' kg]{5 .
-&_ e'QmfgL k7fpFbf ;DalGwt Beneficiary sf] gfpFdf dfq e'QmfgL k7fpg' kg]{5 .
-*_ o:tf] ;6xL ;'ljwfsf] Beneficiary ljb]zl:yt sfof{no, ;+3, ;+:yf g} x'g'kg]{5 . ljb]zl:yt
JolQm ljz]ifnfO{ Beneficiary agfpg ldNg] 5}g . t/ cGt/fli6«o k|lt:kwf{jf6 5gf}6 ePsf
;+o'Qm pks|d, ljb]zL sDkgL, sfof{no, ;+3, ;+:yfn] ljb]zL d'b|f /sd g]kfnl:yt a}+s tyf
ljQLo ;:yfdf /x]sf] ljb]zL d'b|f vftfdf /fVg eg] ;Sg] 5g\ .
-(_ dfnj:t' cfoft ug]{ k|of]hgsf] nflu k|rlnt Joj:yf cGtu{t lj=lj=lg=kmf/fdx? hf/L ug'{
kg]{5 .
-!)_ of] Joj:yf cGtu{tsf] ;6xL ;'ljwfaf6 ef/tdf e'QmfgL ug{ ldNg] 5}g .
-!!_ g]kfn 6]lnsdsf] xsdf eg] Signaling, Interconnection, Bandwidth, Roaming, Membership
fee nufotsf b'/;~rf/ ;DaGwL ;]jfx?sf] ljb]zdf e'StfgL k7fpFbf cd]l/sL 8n/ %)
xhf/ jf ;f] a/fa/sf] x'g] cGo kl/jTo{ ljb]zL d'b|f;Dd dfq e'StfgL ug{ ;lsg]5 .
@= a}+lsË sfof{no dfkm{t ;f]em} ;6xL k|bfg ug{ ;lsg] M pk/f]Qmfg';f/ g]kfn ;/sf/sf
dGqfno÷ljefu÷sfof{no, g]kfnL ;]gf, g]kfn k|x/L / ;z:q k|x/Laf6 s'g}klg k|of]hgsf] nflu
ljb]zL d'b|fsf] ;6xL ;'ljwf dfu eO{ cfPdf pQm lgsfosf] dfu cg';f/sf] /sd ljb]zdf e'StfgL
k7fpg] k|of]hgsf] nflu -e'QmfgL dfWod;d]t_ g]kfn /fi6« a}+s, a}+lsË sfof{no dfkm{t ;f]em} ;6xL
k|bfg ug{ ;lsg]5 .
#= ljB't vl/b afkt g]kfn ljB't k|flws/0fn] e'QmfgL ug'{ kg]{ kl/jTo{ ljb]zL d'b|fsf] ;6xL ug]{ af/] M
ljB't vl/b ;Demf}tf (Power Purchase Agreement) sf] cfwf/df vl/b ePsf] ljB't afkt g]kfn
ljB't k|flws/0fn] laleGg cfof]hgf÷sDkgLnfO{ e'QmfgL ug{ cfjZos kg]{ kl/jTo{ ljb]zL d'b|f ;6xL
;'ljwf b]xfodf plNnlvt k|s[of k"/f u/L a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLn] pknJw
u/fpg ;Sg] Joj:yf ul/Psf] 5 M
-s_ kl/jTo{ ljb]zL d'b|fdf e'QmfgL x'g] u/L ePsf] ljB't vl/b ;Demf}tf (Power Purchase
Agreement) sf] cfwf/df dfq ;6xL ;'ljwf pknJw u/fpg' kg]{5 .
125
-v_ o:tf] ;6xL ;'ljwf g]kfn ljB't k|flws/0fsf] cg'/f]w÷l;kmfl/; / ;DalGwt cfof]hgf÷
sDkgLsf] Invoice sf] cfwf/df ;DalGwt cfof]hgf÷sDkgLsf] gfddf dfq pknJw u/fpg'
kg]{5 .
-u_ cfjZos kl/jTo{ ljb]zL d'b|f vl/bsf] nflu k|rlnt Joj:yf cg';f/ g]kfn ljB't k|flws/0fn]
a}+s tyf laQLo ;+:yf Pjd\ o; a}+saf6 Ohfhtkqk|fKt /]ld6fG; ;DaGwL sf/f]jf/ ug]{
lgsfox?;Fu Negotiate ug{ ;Sg]5 .
-3_ g]kfn ljB't k|flws/0fn] o; k|of]hgsf nflu /]ld6\ofG; sDkgLx?af6 kl/jTo{ ljb]zL d'b|f
vl/b ubf{ o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfdf /x]sf] vftfdf hDdf ePsf]
kl/jTo{ ljb]zL d'b|faf6 vl/b ug{ kfpg]5g .
-ª_ o; k|of]hgsf] nflu ;6xL ;'ljwf pknJw u/fPsf] kl/jTo{ ljb]zL d'b|fsf] ljj/0f dlxgf
;dfKt ePsf] !% lbg leqdf o; ljefunfO{ pknJw u/fpg' kg]{5 .
$= kl/jTo{ ljb]zL d'b|fdf k'gaL{df lk|ldodsf] e'tmfgL ;DaGwL Joj:yf M g]kfndf ljlwjt ?kdf btf{
eO{ sf/f]jf/ ul//x]sf aLdf sDkgLx?n] kl/jTo{ ljb]zL d'b|fdf k'gaL{ds sDkgLx?nfO{ e'tmfgL
ug'{kg]{ k'gaL{df lk|ldodsf] ;6xL ;'ljwf b]xfodf plNnlvt Joj:yf cg'?k Ohfhtkqk|fKt æsÆ /
/fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n] k|bfg ug{ ;Sg]5g .
-s_ ;DalGwt a}+s tyf ljQLo ;+:yfx?sf] gfpFdf hf/L ePsf] æaLdf ;ldltÆ sf] ;Ssn}
l;kmfl/; kq lgj]bg;fy ;+nUg x'g'kg]{ 5
-v_ o:tf] ;6xL ;'ljwf k'gaL{df lk|ldod e'tmfgLsf] nflu dfq nfu' x'g]5
-u_ aLdf ;ldltn] l;kmfl/; u/]sf] /sdnfO{ k'li6 ug]{ ;DalGwt k'gaL{df sDkgLx?sf]
sfuhftx? h:t}M 8]la6÷qm]l86 gf]6, OGEjfO; cflb ;+nUg x'g'kg]{5
-3_ e'tmfgL ug'{kg]{ /sdsf] Gross /sddf k|rlnt Joj:yf cg';f/ clu|d s/ (TDS) bflvnf
u/]sf] lg:;f lnP/ dfq ;6xL ;'ljwf k|bfg kg]{5
-ª_ of] Joj:yf cGtu{tsf] kl/jTo{ ljb]zL d'b|fsf] ;6xL ;'ljwf ef/tLo k'g{aL{df sDkgL jf
ef/tdf /x]sf s'g} klg ljb]zL k'gaL{df sDkgLnfO{ e'tmfgL ug{ ldNg] 5}g
-r_ o:tf] ;6xL ;'ljwf k|bfg u/]sf] dfl;s ljj/0f dlxgf Joltt ePsf] & lbgleq o;
ljefudf k]z ug'{ kg]{5 .
126
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!@÷@)&$
t];|f] d'n'saf6 lnPsf] ;]jfsf] e'QmfgLsf ] nflu
;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf
g]kfndf :yfkgf ePsf s'g} kmd{, sDkgL jf ;+:yfn] ljb]zl:yt ;]jf k|bfos kmd{, sDkgL jf ;+:yf
;Fu ;Demf}tf u/L g]kfndf ;]jf lnP afktsf] /sd ;6xL ;'ljwf k|bfg ug]{ ;DaGwdf b]xfo adf]lhdsf]
Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{÷u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n]
lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, j}lsË sfof{no, Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ
ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= k|rlnt Joj:yf adf]lhd ljb]zL kmd{, sDkgL jf ;+:yf;Fu ;]jf lnP afkt e'QmfgLsf nflu cd]l/sL
8n/ !),))) jf ;f] a/fa/ ;Ddsf] kl/jTo{ ljb]zL d'b|fsf] ;6xL ;'ljwf cfjZos sfuhftsf
cfwf/df Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfaf6 pknAw x'g]5 .
@= g]kfndf btf{ ePsf kmd{, sDkgL jf ;+:yfn] cd]l/sL 8n/ !),))) eGbf a9Lsf] ljb]zL ljlgdodf
bfloTj ;[hgf x'g] u/L ljb]zl:yt s'g} ;]jf k|bfos;Fu ;Demf}tf ug'{ k/]df jf ;]jf afktsf] e'QmfgL
ug'{ kg]{ ePdf cfkmgf] lgofds lgsfoaf6 :jLs[lt jf l;kmfl/; k|fKt ug'{ kg]{5 . l;kmfl/; ug]{
lgofds lgsfon] ;f] ;]jf jf sfo{ ;DkGg eP kZrft k7fpg] /sd osLg u/L ljBdfg Joj:yf
adf]lhd o; ljefu ;dIf ;6xL ;'ljwf pknAw u/fpg l;kmfl/; ug'{ kg]{5 .
#= ljb]zl:yt ;]jf k|bfos;Fu cd]l/sL 8n/ !),))) eGbf a9L /sdsf] ;Demf}tf u/L ljb]zL d'b|f
;6xLsf nflu o; ljefu ;dIf :jLs[lt dfu ubf{ b]xfosf sfuhft k]z ug'{ kg]{5 M
-s_ kmd{, sDkgL jf ;+:yf btf{ k|df0fkq / s/btf{ k|df0fkq
-v_ s/ r'Qmf k|df0fkq jf s/ ljj/0f a'emfPsf] k|df0f / ;]jf afkt clu|d s/ bflvnf u/]sf]
lg:;f (TDS)
-u_ kl5Nnf] n]vfk/LIf0f k|ltj]bg
-3_ ;]jf k|bfg ug]{ ;+:yf;Fu u/]sf] k|dfl0ft ;Demf}tf / aLnaLhs .
-ª_ ;Demf}tf adf]lhd u/]sf] sfo{sf] ljj/0f ;lxt ;+rfns ;ldltaf6 ;6xL ;'ljwf dfu ug]{
;DaGwdf ePsf] lg0f{osf] k|ltlnlk / ljb]zL d'b|f ckrng ePdf o:sf] ;Dk"0f{ lhDd]jf/L lng]
:jM3f]if0ff .
-r_ sfd ;DkGg ePsf] k'i6\ofOF x'g] sfuhftx?
-5_ sfd k|bfg ug]{ ;+:yf -Employer_ af6 e'QmfgL k|fKt ePsf] eP /sd v'Ng] sfuhft / a}+s
:6]6d]06 .
-h_ lgofds lgsfosf] l;kmfl/; .
$= bkmf # sf] v08 -h_ adf]lhdsf] l;kmfl/; lng] ;Gbe{df lgofds lgsfo osLg x'g g;sL l;kmfl/;
k|fKt x'g g;s]sf] cj:yfdf b]xfo adf]lhd x'g]5 .
-s_ cd]l/sL 8n/ %),))) jf ;f] j/fj/sf] kl/jTo{ ljb]zL d'b|f;Ddsf] ;6xL ;'ljwf dfly bkmf #
sf] v08 -s_ b]lv -5_ ;Ddsf sfuhftsf cfwf/df o; ljefun] ljBdfg Joj:yf adf]lhd
;6xL ;'ljwf lbg ;Sg]5 . o; k|of]hgsf] nflu sDkgL jf pBf]usf] xsdf ;DalGwt pBf]u
127
ljefu jf sDkgL /lhi6«f/ sfof{no jf ;DalGwt cGo lgofds lgsfon] l;kmfl/; x'g ;Sg]
g;Sg] ;DaGwdf o; ljefunfO{ hfgsf/L pknAw u/fpg' kg]{5
-v_ ljb]zl:yt kmd{, sDkgL jf ;+:yf;Fu cd]l/sL 8n/ %),))) eGbf a9Lsf] ;]jf lng' cl3
clgjfo{ ?kdf o; a}+ssf] k"j{ :jLs[lt lng' kg]{5 . o;/L k"j{ :jLs[lt lng' kbf{ dfly bkmf # sf]
-s_ b]lv -ª_ ;Ddsf sfuhft ;lxt lgj]bg lbg' kg]{5 .
%= of] Joj:yf nfu' x'g' k"j{ lgodgsf/L lgsfo osLg gePsf] jf lgofds lgsfosf] l;kmfl/; k|fKt x'g
g;s]sf s'g} kmd{, sDkgL jf ;+:yfn] o; a}+ssf] :jLs[lt glnO{ ljb]zL kmd{, sDkgL jf ;+:yfaf6
k/fdz{ tyf cGo ;]jf lnO;s]sf] eP ;f]sf] e'QmfgLsf nflu o; ljefu ;dIf lgj]bg lbg ;Sg]5 .
128
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!#÷@)&$
l/Kofl6«Pzg ;DaGwL Joj:yf .
o; a}+saf6 Ohfhtkqk|fKt laleGg lgsfox?n] ug]{ ljb]zL d'b|f sf/f]jf/ tyf l/Kofl6«Pzg ;DaGwdf b]xfosf
Joj:yfx? ul/Psf]n] ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@
n] lbPsf] clwsf/ k|of]u u/L Ohfhtkqk|fKt ;a} æsÆ ju{sf jfl0fHo a}+s, Po/nfOG; tyf ;f]sf]
lh=P;=P÷lk=P;=P=, sfuf]{ tyf s'l/o/ sDkgL, 6«fen, 6'/ tyf 6«]lsË Ph]G;L, xf]6n, nh, ¥oflˆ6ª,
dfp06]lgol/ª nufot ljljw ko{6sLo ;]jf pknAw u/fpg] lgsfox?nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= xjfO{ l6s]l6Ë tyf sfuf]{, s'l/o/ ;]jfsf] d"No lgwf{/0f tyf l/Kofl6«Pzg Joj:yf M
-s_ ;]jf d"No lgwf{/0f M
g]kfndf ;]jf k|bfg ug{ Ohfhtkqk|fKt cGt/f{li6«o jfo';]jf tyf sfuf]{÷s'l/o/ Ph]G;Lx?,
xf]6n, nh, ¥ofkml6Ë, dfp06lgol/Ë nufotsf ljljw ko{6sLo ;]jf pknJw u/fpg]
lgsfox?n] cfˆgf] ;]jfsf] d"No g]kfnL ?k}ofFdf tf]Sg' kg]{5 .
-v_ cGt/f{li6«o xjfO{ l6s6 ljqmLsf] l/Kofl6«Pzg M
Ohfhtkqk|fKt 6«fen 6"/ Ph]G;Ln] xjfO{ l6s6 ljqmL u/L ;+sng u/]sf] /sd cfˆgf] sld;g
cflb s6fO{ ;DalGwt Po/nfOG; tyf ltgsf lh=P;=P÷lk=P;=P= nfO{ ;f]e}m jf cGo s'g}
;+/rgfaf6 e'QmfgL ug'{ kbf{ b]xfo adf]lhd ug'{ kg]{5 M
!= 6«fen÷6"/ Ph]G;L tk{m M
-s_ g]kfnL ?k}ofdf u/]sf] ljqmLsf] l/Kofl6«Pzg g]kfnL ?k}ofsf] vftfaf6 ug'{ kg]{5 .
-v_ ljb]zL d'b|fdf u/]sf] ljqmLsf] l/Kofl6«Pzg ljb]zL d'b|fsf] vftfaf6 ug'{ kg]{5 .
-u_ l/Kofl6«Pzg dfu ubf{ ;+nUg l/Kofl6«Pzg kmf=g+=! adf]lhdsf] ljj/0f eg'{ kg]{5 .
@= jfo' ;]jf tyf lh=P;=P÷lk=P;=P tk{m M
-s_ cfk}mn] ljqmL u/]sf] cfˆgf] xjfO{ l6s6sf] ljj/0f ;+nUg l/Kofl6«Pzg kmf=g+= !
cg'?k eg'{ kg]{5 .
-v_ cfk}mn] ljqmL u/]sf] cfˆgf] sfuf]{÷s'l/o/sf] ljj/0f ;+nUg l/Kofl6«Pzg kmf=g+=@ /
# cg'?k eg'{ kg]{5 .
-u_ Ph]G6x?n] ljqmL u/]sf xjfO{ l6s6 tyf sfuf]{ s'l/o/ ;DaGwL ljj/0f ;+nUg
l/Kofl6«Pzg kmf=g+= $ cg'?k eg'{ kg]{5 .
-3_ dfly plNnlvt ljj/0fx? cg';f/ ljb]zl:yt cfˆgf] lk|lG;kn sDkgLnfO{ ;f]e}m
jf cGo ;+/rgf dfk{mt l/Kofl6«Pzg ubf{ ;+nUg l/Kofl6«Pzg kmf=g+=% adf]lhdsf]
ljj/0f eg'{ kg]{5 .
129
-u_ sfuf]{÷s'l/o/ ljqmLsf] l/Kofl6«Pzg M
Ohfhtkqk|fKt 6«fen÷6'/ / sfuf]{÷s'l/o/ Ph]G6x?n] ljb]zL d'b|fdf sfuf]{ tyf s'l/o/ ;]jf
ljqmL u/L ;+sng u/]sf] ljb]zL d'b|f dWo] cfˆgf] sld;g, z'Ns cflb s6fO{ ;DalGwt ljb]zL
Po/nfOG; tyf ltgsf lh=P;=P÷lk=P;=P= cflbnfO{ ;f]e}m jf cGo s'g} ;+/rgf dfk{mt
e'QmfgL ug'{ kbf{ b]xfoadf]lhd ug'{ kg]{5 M
-!_ g]kfnL ?k}ofdf u/]sf] ljqmLsf] l/Kofl6«Pzg g]kfnL ?k}ofFsf] vftfaf6 ;+nUg
l/Kofl6«Pzg kmf=g+= # ad]flhdsf] ljj/0f e/L ug'{ kg]{5 .
-@_ ljb]zL d'b|fdf u/]sf] ljqmLsf] l/Kofl6«Pzg ljb]zL d'b|fsf] vftfaf6 ;+nUg l/Kofl6«Pzg
kmf=g+=@ ad]flhdsf] ljj/0f e/L ug'{ kg]{5 .
-#_ plNnlvt kmf/fdx?df pNn]v ePsf b]xfo adf]lhdsf sfuhftx? o; a}+sn] lg/LIf0f
ug{ vf]h]sf] ;dodf b]vfpg ;Sg] u/L ;DalGwt lgsfon] ;'/lIft tj/n] /fVg' kg]{5 .
-s_ sfuf]{ sDkgLx?n] hf/L ug]{ xfp; Po/j] jLn tyf Po/nfOG;x?n] hf/L ug]{
df:6/ Po/j] jLn, jLn ckm n]l8Ë
-v_ s'l/o/sf] xsdf ;DalGwt ;+:yfaf6 hf/L ePsf] jLn÷aLhs
-u_ g]kfn aflx/af6 x'g] 9'jfgL -sfuf]{÷s'l/o/_ sf] xsdf a}+saf6 hf/L ePsf]
CPMT -3_ b[Zofjnf]sg÷k}bnofqf nufot cGo ko{6sLo ;]jf ljqmLsf] l/Kofl6«Pzg
Ohfhtkqk|fKt 6«fen÷6"/ nufotsf Ph]G;Ln] b]z aflx/ pknJw u/fpg] b[Zojnf]sg÷k}bn
ofqf nufotsf ljljw ko{6sLo ;]jf afkt ljb]zl:yt Ph]G6nfO{ e'QmfgL ug'{ kbf{ b]xfo
adf]lhd ug'{÷u/fpg' kg]{5 M–
-!_ ;DalGwt 6«fen÷6"/ Ph]G6sf] gfddf ljb]zaf6 ;f] k|of]hgsf] nflu k|fKt ljb]zL d'b|f
eGbf a9L gx'g] u/L dfq e'QmfgL k7fpg ;lsg]5 .
-@_ e'QmfgL k|fKt ug'{ kg]{ ljb]zl:yt Ph]G6n] ;DalGwt 6«fen÷6"/sf] gfddf hf/L u/]sf]
OGEjfO;sf] cfwf/df dfq e'QmfgL k7fpg ;lsg]5 .
-#_ pwf/f]df pknJw u/fPsf] ;]jf afktsf] e'QmfgL pwf/f] c;'n ePkl5 dfq k7fpg
;lsg]5 .
-ª_ afl0fHo a}+sx?af6} l/Kofli6«Pzg k|fKt x'g] M
Ohfhtkqk|fKt lgsfox?n] dfly plNnlvt v08 -v_, -u_ / -3_ adf]lhdsf] k|s[of k"/f u/L
jfl0fHo a}+sx?;Fu l/Kofli6«Pzg dfu ug'{ kg]{5 . o;/L dfu eP adf]lhdsf] l/Kofli6«Pzg
;DalGwt jfl0fHo a}+sx?n] k|rlnt ljlgdo b/df pknJw u/fpg' kg]{5 .
-r_ vftfsf] lsl;d / ;~rfng Joj:yf M
xjfO{ l6s]l6Ë tyf ko{6sLo ;]jf ;~rfng ug]{ Ohfhtkqk|fKt ljleGg lgsfox¿dWo] k|rlnt
Joj:yf cg';f/ l/Kofl6«Pzg lng'kg]{ ljleGg lgsfox¿ -h:t}M Po/nfO{G; tyf ltgsf
lh=P;=P=÷lk=P;=P, 6«fen÷6«]lsË tyf sfuf]{÷s'l/o/ nufotsf Ph]G;Lx?_ n] ljb]zL d'b|f
vftf ;~rfng ubf{ b]xfo adf]lhd ug'{ kg]{5 M–
-!_ ljb]zL d'b|fdf e'QmfgL lnO{ ul/g] sf/f]jf/ M
-s_ ljb]zL d'b|fdf ;]jf pknJw u/fpg] lgsfox?n] ljb]zL d'b|f hDdf ug]{ /
e'QmfgL÷l/Kofl6«Pzg ug]{ k|of]hgsf] nflu clgjfo{ ?kdf kl/jTo{ ljb]zL d'b|fsf]
vftf vf]Ng' kg]{5 . ljb]zL d'b|fdf x'g] cGo cfh{g ;d]t ;f] vftfdf hDdf ug{
;lsg]5 .
-v_ bkmf ! Dff plNnlvt k|s[of k"/f u/L ljb]zL d'b|fdf ePsf] ;]jf ljqmLsf]
e'QmfgL÷l/Kofl6«Pzg ubf{ ;f]xL vftfaf6 dfq ug'{ kg]{5 .
130
-u_ Ohfhtkqk|fKt lgsfox?n] rfx]df ljb]zL d'b|fdf ePsf] cfh{g dfq hDdf ug]{
k|of]hgsf] nflu ljb]zL d'b|fsf] j]Un} cfh{g vftf vf]Ng ;d]t ;lsg]5 . o:tf]
vftfaf6 e'QmfgL÷ l/Kofl6«Pzg vftfdf ljb]zL d'b|f /sdfGt/ ug{ ;lsg]5 .
-3_ e'QmfgL÷l/Kofl6«Pzg vftfdf e'QmfgL÷l/Kofl6«Pzg u/L afFsL /x]sf] / cfh{g
vftfdf /x]sf] ljb]zL d'b|f ljb]z e|d0fsf] nflu pknJw u/fpFbf o; a}+ssf]
O=k|f= kl/kq ;+Vof M & sf] bkmf -#_ df ePsf] Joj:yf cg';f/ ug'{ kg]{5 .
-ª_ Ohfhtkqk|fKt lgsfox?n] cfjZostf cg';f/ Ps jf ;f] eGbf a9L
a}+s÷ljQLo ;+:yfdf ljb]zL d'b|fsf] vftf vf]Ng ;Sg]5g\ . o:tf] vftf vf]Nbf
a}+s÷ljQLo ;+:yfn] o; a}+saf6 k|bfg ePsf] Ohfhtkq nufotsf cfjZos
sfuhft lnO{ cf–cfk\mgf] k|s[of k"/f u/]/ vftf vf]nL lbg' kg]{5 .
-r_ o; a}+saf6 k|bfg ePsf] ljb]zL ljlgdo sf/f]jf/ Ohfhtkqsf] Dofb ;lsPsf]
tL; lbg leq Ohfhtkq gjLs/0f gu/fpg] lgsfox?n] gjLs/0f ePsf] k|df0f
k]z gu/];Dd ljb]zL d'b|f vftf ;~rfng ug{ kfpg] 5}gg\ .
-@_ g]kfnL ?k}ofF e'QmfgL lnO{ ul/g] sf/f]jf/
g]kfnL ?k}ofFdf ljqmL ePsf] cGt/f{li6«o xjfO{ l6s6 tyf ljljw ko{6sLo ;]jf
ljqmLaf6 k|fKt /sd g]kfnL ¿k}ofF vftfdf hDdf u/L ;f]xL vftfaf6} l/Kofl6«Pzg
ug'{kg]{5 .
@= ljljw Joj:yf
-s_ ;]jf tyf pTkfbg ljqmLsf] aLn÷aLhs hf/L ubf{ k|rlnt ljlgdo b/df e'QmfgL lng'÷lbg'
kg]{5 . k|rlnt ljlgdo b/ eGgfn] o; a}+s jf o; a}+saf6 Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf a]+}s tyf ljQLo ;+:yfx?n] lgwf{/0f ug]{ ljlgdo b/ x'g] ePsf]n] ;]jf
k|bfosx?n] sf/f]jf/ ubf{ ;f]xL ljlgdo b/sf] kl/lwleq /x]/ dfq d"No lgwf{/0f u/L sf/f]jf/
ug'{ kg]{5 . o; k|of]hgsf] nflu cfˆgf] ljb]zL d'b|f vftf /x]sf] a}+sn] tf]s]sf ] ljlgdob/nfO{
cfwf/ dfGg' kg]{5 .
-v_ ljb]zL d'b|fdf l/Kofli6«Pzg ;'ljwf dfu ug]{ lgsfox? o; a}+saf6 ljb]zL d'b|f sf/f]jf/ ug]{
Ohfhtkq lnO{ cBfjlws gjLs/0f ;d]t ePsf] x'g' kg]{5 .
-u_ g]kfn gful/s p8\8og k|flws/0f, g]kfn cfon lgud, u|fp08 Xof08lnË Ph]G6, Sof6l/Ë
sDkgL÷Ph]G6 nufot cGo ;]jf k|bfosaf6 cGt/f{li6«o ljdfg:yndf pknJw x'g]
cjt/0f÷lj;fg, g]leu]zg÷xfplhË, u|fp08 Xof08lnË, Sof6l/Ë, km\o"lnË nufotsf ljljw
;]jf÷pTkfbgx?sf] aLn÷aLhs hf/L ubf{ ljb]zL d'b|f tyf aLn hf/L u/]sf] lbgsf] k|rlnt
ljlgdo b/sf] cfwf/df g]kfnL ?k}ofF b'j}df ug'{ kg]{5 / ljb]zL Po/nfOG; tyf ltgsf
lh=P;=P÷lk=P;=P=n] o:tf] aLnsf] e'QmfgL g]kfnL ?k}ofF jf ljb]zL d'b|fdf ug{ ;Sg]5 . t/,
g]kfndf zfvf÷;Dks{ sfof{no jf lh=P;=P=÷lk=P;=P= gePsf / lgoldt ;]jf ;~rfng
gug]{ cGt/f{li6«o jfo';]jf sDkgL jf ;f] sf Ph]G6 jf cGo ;+3÷;+:yf tyf JolQmn] ;~rfng
ug]{ rf6{8{ nufotsf cGo p8fgx?nfO{ pknJw u/fpg] ;]jf÷pTkfbgsf] e'QmfgL eg] ljb]zL
d'b|fd} lng'÷lbg' kg]{5 .
-3_ ef/tLo afx]s cGo ljb]zL gful/snfO{ pknJw u/fPsf] ;]jf÷pTkfbgsf] e'QmfgL
;]jf÷pTkfbg pknJw u/fPsf] lbgsf] k|rlnt ljlgdo b/sf] cfwf/df ljb]zL d'b|fdf lng'
kg]{5 . ;fy}, k|rlnt Joj:yf cg';f/ ljb]zL d'b|fdf vftf vf]n]sf JolQm jf lgsfox?n] cfk"mn]
k|fKt u/]sf] ;]jf÷pTkfbgsf] e'QmfgL cfˆgf] ljb]zL d'b|f vftf vr{ u/L ljb]zL d'b|fd} klg ug{
;Sg]5g\ .
131
-ª_ ef/tLo afx]s cGo ljb]zL gful/sx¿n] pkof]u u/]sf ;]jfsf] aLnsf] e'QmfgL ljb]zL d'b|f
;6xL u/]sf] ¿k}ofFdWo]af6 ug{ rfx]df ljb]zL d'b|f ;6xL u/]sf] OGSof;d]06 /;Lb (Foreign
Exchange Encashment Receipt -FEER) le8fO{ ;6xL u/]sf] /sdn] vfDg];Ddsf] /sd dfq
g]kfnL ¿k}ofFdf e'QmfgL lng ;lsg]5 . o;/L aLnsf] e'QmfgL ¿k}ofFdf lnPdf pQm aLnsf]
k5fl8 ;DalGwt OGSof;d]06 /;Lb (FEER) sf] gDa/, ldlt, ljb]zL d'b|f /sd / ;6xL u/L
lng] ;+:yfsf] gfd ;d]t pNn]v u/L cfˆgf] /]s8{df hgfpg'sf] ;fy} OGSof;d]G6 /;Lbdf klg
pkof]u ePsf] /sd / cfˆgf] ;+:yfsf] gfd, aLn gDa/ tyf ldlt clgjfo{ ¿kn] hgfpg'
kg]{5 .
-r_ Ohfhtkqk|fKt lgsfon] v08 -ª_ cg';f/ aLnsf] e'QmfgL ¿k}ofFdf :jLsf/ ug'{kbf{ ;DalGwt
ljb]zL gful/ssf] OGSof;d]G6 /;Lbsf] k|ltlnlk lng'kg]{5 / o; a}+sdf k]z ug'{kg]{ dfl;s
ljj/0fsf] ;fydf ;f] /;Lb klg k]z ug'{kg]{5 .
-5_ cGt/f{li6«o ;+3 ;+:yf jf s'6gLlts lgof]u cflb ljb]zL ;+:yfdf ^ dlxgfeGbf a9L ;do;Dd
sfdsfh u/L g]kfndf a;]sf] osLg ePdf tL ljb]zLx¿af6 cGt/f{li6«o p8fg / sfuf]{ afx]s
c¿ aLnsf] e'QmfgL ¿k}ofFdf klg lng ;lsg]5 .
-h_ ljb]zL lgof]u, cGt/f{li6«o ;+3 ;+:yfx?nfO{ pknJw u/fPsf] ;]jf÷pTkfbg d"Nosf] aLn÷aLhs
hf/L ubf{ g]kfnL ?k}ofF tyf aLn hf/L u/]sf] lbgsf] k|rlnt ljlgdo b/sf] cfwf/df x'g]
ljb]zL d'b|f b'j}df pNn]v ug'{ kg]{5 . o:tf] aLn÷aLhssf] e'QmfgL ;DalGwt kIfn] g]kfnL
?k}ofF jf ljb]zL d'b|fdf ug{ ;Sg]5g\ .
-em_ g]kfnL gful/sx¿nfO{ cGt/f{li6«o xjfO{ l6s6 hf/L ubf{ xjfO{ l6s6df :ki6 b]lvg] u/L
æl6s6 /2 ug'{k/]df /fxbfgL afkt lnPsf] ljb]zL d'b|f lkmtf{ a'emfPsf] k|df0f k]z ug'{kg]{5Æ
eGg] Joxf]/fsf] 5fk nufpg' kg]{5 .
-`_ ljb]z e|d0fdf hfg] JolQmx¿nfO{ /fxbfgL afkt k|bfg u/]sf] ljb]zL d'b|f ;DalGwt JolQmx¿n]
a}+s bflvnf -lkmtf{_ u/]sf] k|df0f k]z gu/];Dd xjfO{ l6s6 /2 ug{ / ;f] afktsf] /sd lkmtf{
(Refund) ug{ gldNg] ePsf]n] ;DalGwt JolQmsf] /fxbfgL / xjfO{ l6s6 x]/L ;6xL ;'ljwf
pkof]u gu/]sf] v08df dfq lkmtf{ (Refund) k|bfg ug{ kfOg]5 . ljb]zL d'b|f a}+s bflvnf
u/]sf] k|df0f / /2 ul/Psf l6s6x¿ -ljb]zL d'b|f ;6xL ;'ljwf pkof]u u/]sf] jf gu/]sf]_ /2
ul/Psf] ldltn] slDtdf ^ dlxgfsf] cjlw;Dd clgjfo{ ¿kdf ;'/lIft /fVg' kg]{5 . /2
ul/Psf To:tf l6s6x¿sf] dfl;s ljj/0f ;DalGwt Po/nfOG;n] o; ljefudf csf]{ dlxgfsf]
d;fGtleq clgjfo{¿kdf k]z ug'{kg]{5 . t/, kms{g] PstkmL{ xjfO{ l6s6 dfq /2 ug]{sf] xsdf
of] Joj:yf nfu' x'g] 5}g .
-6_ Airlines Permit (APMT) nufotsf Repatriation dfu ubf{ tof/ ul/Psf sfuhftx¿ o;
a}+sn] lg/LIf0f ug{ vf]h]sf] ;dodf b]vfpg ;Sg] u/L ;DalGwt Ohfhtk|fKt lgsfon] g}
clgjfo{ ¿kdf ;'/lIft tj/n] /fVg'kg]{5 . o; a}+sn] lg/LIf0f ug{ vf]h]sf] ;dodf pko{'Qm
k|sf/sf sfuhftx¿ pknAw u/fpg g;s]df jf a}+sn] lg/LIf0f ubf{ clgoldttf u/]sf]
kfOPdf h'g;'s} avt ljb]zL d'b|f sf/f]jf/ ug]{ Ohfhtkq /2 u/L sf/jfxL cuf8L a9fpg
;lsg]5 .
-7_ ljb]zL ko{6sx¿nfO{ k'¥ofPsf] ;]jf afkt g]kfnL 6«fen÷6"/ Ph]G;Lx¿nfO{ Ohfhtkqk|fKt
xf]6]nx¿n] kl/jTo{ ljb]zL d'b|fdf ;d]t lalnË ug{ ;Sg]5g\ . ljb]zL d'b|fdf u/]sf] lalnËsf]
e'QmfgL a}+s vftf dfkm{t kl/jTo{ ljb]zL d'b|fdf ug'{ kg]{5 .
-8_ 6«fen÷6"/ Ph]G;Lx?n] kl/jTo{ ljb]zL d'b|fdf ljqmL u/]sf cfGtl/s p8fgsf] xjfO{ l6s6sf]
/sd ;DalGwt jfo';]jfnfO{ e'QmfgL ubf{ cfˆgf] a}+s vftf dfk{mt kl/jTo{ ljb]zL d'b|fdf g} ug'{
kg]{5 .
132
-9_ ef/tLo afx]s cGo ljb]zL gful/sx¿n] aLnsf] e'QmfgL kl/jTo{ ljb]zL d'b|fdf dfq ug'{kg]{5
eGg] ;"rgf Ohfhtkqk|fKt lgsfox¿n] 7"nf] cIf/df ;fO{g af]8{ n]vL ;a}n] b]Vg] 7fpFdf
/fVg'kg]{5 .
;"rgfsf] gd"gfM
FOREIGNERS OTHER THAN INDIAN NATIONAL ARE REQUIRED
TO PAY THEIR BILLS IN CONVERTIBLE CURRENCY ONLY.
-0f_ o; Joj:yf adf]lhd l/Kofl6«Pzg kfpg] kIf ef/tLo ePdf ef/tLo ?k}ofdf dfq l/Kofl6«Pzg
;'ljwf pknJw u/fpg' kg]{5 . t/, ljb]zL d'b|fd} ljqmL ePsf xjfO{ l6s6 nufot cGo ;]jf
cflbsf] e'QmfgL÷l/Kofl6«Pzg eg] k|fKt ljb]zL d'b|f eGbf a9L gx'g] u/L ljb]zL d'b|fd} ug{
;lsg] 5 .
-t_ Ohfhtkqk|fKt ;a} lgsfox¿n] cfh{g u/]sf] ljb]zL d'b|f /sd oyfzL3| cfˆgf] kl/jTo{ ljb]zL
d'b|f vftfdf hDdf ug'{kg]{5 .
#= sfuf]{ k/ld6 hf/L ug]{ Joj:yfM
g]kfnL lgof{tstf{x¿n] ljb]zdf C & F jf Freight Pre-paid sf] cfwf/df ;fdfg lgof{t ubf{ nfUg]
9'jfgL vr{sf] nflu lng'kg]{ cg'dlt ;DalGwt æsÆ ju{sf a}+sn] g} k|bfg ug{ ;Sg]5g . o:tf] 9'jfgL
cg'dlt hf/L ubf{ jf 9'jfgL e'QmfgL k|bfg ubf{ ;DalGwt a}+sn] -s_ k|tLtkqdf 9'jfgL ef8f ;DaGwdf
:ki6 Joj:yf ePsf], -v_ ;DalGwt 9'jfgLstf{sf] 9'jfgL /sd v'Ng] sf]6]zg ePsf], -u_ eG;f/
k|1fkgkq k]z u/]sf], -3_ lgof{tstf{n] k]z u/]sf] Invoice df plNnlvt /sdn] clu|d e'QmfgL
(Advance Payment) jf k|tLtkqdf 9'jfgL afkt plNnlvt /sdnfO{ vfd]sf] / -ª_ k|tLtkqsf] Dofb
afFsL /x]sf] ePdf ;f] ;Dk"0f{ sfuhftx¿ x]/L hfFrL xjfO ef8fsf] nflu 9'jfgL cg'dlt kq hf/L ug{
;lsg]5 . o;}ul/, hndfu{af6 x'g] 9'jfgLsf] xsdf klg ;DalGwt ljb]zL lzlkË sDkgLsf] gfddf
PsfpG6k]oL r]s÷8«fkm\6af6 ;6xL pknAw u/fpbf b]xfo adf]lhd ug'{ kg]{5 M
s_ 9'jfgL cg'dltkq hf/L ubf{ jf 9'jfgLsf] e'QmfgL ubf{ o;};fy ;+nUg cg';"rL !#=^ adf]lhdsf]
kmf/fd k|of]u ug'{ kg]{5 / ;f]sf] af]wfy{ cg';"rL !#=& adf]lhdsf] e'QmfgL ljj/0f;Fu
lgof{tstf{n] k]z u/]sf] Invoice sf] Psk|lt ;+nUg u/L lgoldt ?kn] o; ljefudf k7fpg'
kg]{5 . hndfu{af6 x'g] 9'jfgLsf] nflu ;DalGwt lzlkË sDkgLsf] sf7df8f}+l:yt Ph]G6dfkm{t
9'jfgL ul/g] xf] eg] cg';"rL !#=^ adf]lhdsf] cg'dltkq hf/L ug'{ kg]{5 .
v_ olb k|tLtkqdf House Airwaybill :jLsfo{ x'g] Joxf]/f pNn]v ul/Psf] 5 eg] Latest Shipment sf] ldlt gf3] klg k|tLtkqsf] Dofb (Validity) /x];Dd o;k|sf/sf] 9'jfgL cg'dlt lbg
ldNg]5 . t/, g]kfnL jf ef/tLo 9'jfgLstf{x¿nfO{ eg] o:tf] cg'dlt cGtu{t kl/jTo{ ljb]zL
d'b|fdf e'QmfgL ug{ kfOg] 5}g .
133
cg';"rL !#=!
l/Kofl6«Pzg kmf=g+=!
-kl/kq ;+Vof !# sf] bkmf ! sf] k|of]hgsf] nflu_
Po/nfOG;÷lh=P;=P=÷lk=P;=P=÷6«fen 6'/ Ph]G;Ln] ljqmL u/]sf] xjfO{ l6s6 afkt
;+slnt /sd l/Kofl6«Pzgsf] nflu k|of]u ug'{ kg]{ kmf/fd
ljqmL cjlw Mldlt ======================b]lv==============================;Dd_
>L ===================-a}+ssf] gfd_ ldltM
=================================-7]ufgf_
dxfzo,
o; sfof{non] b]xfo adf]lhdsf] ljj/0f cg';f/ ljqmL u/]sf] xjfO{ l6s6 afkt x'g] tkl;n
adf]lhdsf] /sd g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq ;+VofM !# adf]lhd o;
sfof{nosf] txf+ l:yt ljb]zL d'b|f l/Kofli6«Pzg vftf g+=====================/ g]kfnL ?k}ofF vftf g+=
========================== df vr{ u/L ======================= sf] gfddf e'QmfgL x'g] u/L l/Kofl6«Pzg ;'ljwf pknJw
u/fO{ lbg' x'g cg'/f]w ub{5f}F .
g]kfnL ?k}ofdf ePsf] ljqmL ljb]zL d'b|fdf ePsf] ljqmL
qm=;+
Po/nfOG;sf]
gfd
l6s6
;+Vof
s'n
ljqmL
/sd
s6[f /sd
-sld;g
cflb_
l/Kofl6«Pzg
ug'{
kg]{ /sd
l6s6
;+Vof
s'n ljqmL
/sd
s6[f /sd
-sld;g
cflb_
l/Kofl6«ozg ug'{
kg]{ /sd
s}lkmot
s'n hDdf g]kfnL ?k}ofF ljb]zL d'b|f
pko{'Qm ljj/0f cg';f/ o; sfof{noaf6 xjfO{ l6s6 ljqmL ePsf] ;fFrf] xf] . plNnlvt ljj/0f cg';f/ cGo
a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . e'm§f ljj/0f k]z u/]sf] 7xl/Pdf k|rlnt sfg"g÷lgod adf]lhd
;xg]÷a'emfpg] 5f}F .
-cflwsfl/s b:tvt_
af]wfy{M sDkgLsf] gfd
Ohfhtkq gDj/
>L g]kfn /fi6« a}+s 7]ufgfM
ljb]zL ljlgdo Joj:yfkg ljefu sDkgLsf] 5fkM
jfn'af6f/, sf7df08f}
134
cg';"rL !#=@
l/Kofl6«Pzg kmf=g+=@
-kl/kq ;+Vof !# sf] bkmf ! sf] k|of]hgsf] nflu_
ljb]zL d'b|fdf sfuf]{÷s'l/o/ ljqmLsf] ljj/0f
ljqmL cjlw Mldlt ======================b]lv==============================;Dd_
===================>L -a}+ssf] gfd_ ldltM
===============================-7]ufgf_
dxfzo,
o; sfof{non] b]xfo adf]lhdsf] ljj/0f cg';f/ ljb]zL d'b|fdf ljqmL u/]sf] sfuf]{÷s'l/o/ afkt x'g]
s'n ljb]zL d'b|f====================== -cIf/]kL =========================================_ sf] g]kfn /fi6« a}+s, ljb]zL
ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq;+VofM !# adf]lhd o; sfof{nosf] txfF l:yt ljb]zL d'b|f vftf
g+=================== df vr{ u/L ==============================================sf] gfddf e'QmfgL x'g] u/L l/Kofl6«Pzg
;'ljwf pknJw u/fO{ lbg' x'g cg'/f]w ub{5f}F .
qm=
;+=
sfuf]{÷s'l/o/
k7fpg]sf] gfd
(Consignor)
kfpg]sf] gfd
(Consignee)
ldlt k7fPsf]
:yfg
Sofl/o/sf]
gfd
Po/j] aLn÷aLn
ckm n]l8Ë÷
aLhs÷OGEjfO; g+=
aLn÷ aLhs
d"No
sld;g l/Kofl6«ozg
ug'{
kg]{ /sd
s}lkmot
pko{'Qm ljj/0f cg';f/ o; sfof{noaf6 sfuf]{÷s'l/o/ ljqmL ePsf] ;fFrf] xf] . plNnlvt ljj/0f
cg';f/ cGo a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . e'm§f ljj/0f k]z u/L ;6xL lnPsf] 7xl/Pdf k|rlnt
sfg"g÷lgod adf]lhd ;xg]÷a'emfpg] 5f}F .
-cflwsfl/s b:tvt_
sDkgLsf] gfd
af]wfy{M Ohfhtkq gDj/M
>L g]kfn /fi6« a}+s 7]ufgfM
ljb]zL ljlgdo Joj:yfkg ljefu sDkgLsf] 5fkM
jfn'af6f/, sf7df08f}
135
cg';"rL !#=#
l/Kofl6«Pzg kmf=g+=#
-kl/kq ;+Vof !# sf] bkmf ! sf] k|of]hgsf] nflu_
g]kfnL ?k}ofdf sfuf]{÷s'l/o/ ljqmLsf] ljj/0f
ljqmL cjlw Mldlt ======================b]lv==============================;Dd_
ldltM
>L=============================== =-a}+ssf] gfd_
===================================================-7]ufgf_
dxfzo,
o; sfof{non] b]xfo adf]lhdsf] ljj/0f cg';f/ g]kfnL ?k}ofdf ljqmL u/]sf] sfuf]{÷s'l/o/ afkt x'g]
s'n ?======================= -cIf/]kL =============================================_ sf] g]kfn /fi6« a}+s, ljb]zL ljlgdo
Joj:yfkg ljefusf] O{=k|f=kl/kq ;+Vof M !# adf]lhd o; sfof{nosf] txfFl:yt vftf g+
============================== df vr{ u/L ======================================sf] gfddf e'QmfgL x'g] u/L l/Kofl6«Pzg
;'ljwf pknJw u/fO{lbg' x'g cg'/f]w ub{5f}F .
qm=
;+=
sfuf]{÷s'l/o/
k7fpg]sf] gfd
(Consignor)
kfpg]sf] gfd
(Consignee)
ldlt k7fPsf]
:yfg
Sofl/o/sf]
gfd
Po/j] aLn÷aLn
ckm n]l8Ë÷
aLhs÷OGEjfO;
g+=
aLn÷aLhs
d"No
sld;g l/Kofl6«ozg
ug'{
kg]{ /sd
s}lkmot
pko{'Qm ljj/0f cg';f/ o; sfof{noaf6 sfuf]{÷s'l/o/ ljqmL ePsf] ;fFrf] xf] . plNnlvt ljj/0f cg';f/
cGo a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . e'm§f ljj/0f k]z u/L ;6xL lnPsf] 7xl/Pdf k|rlnt
sfg"g÷lgod adf]lhd ;xg]÷ a'emfpg] 5f}F .
-cflwsfl/s b:tvt_
sDkgLsf] gfdM
af]wfy{M Ohfhtkq gDa/M
>L g]kfn /fi6« a}+s 7]ufgfM
ljb]zL ljlgdo Joj:yfkg ljefu sDkgLsf] 5fkM
jfn'af6f/, sf7df08f}
136
cg';"rL !#=$
l/Kofl6«Pzg kmf=g+=$
-kl/kq ;+Vof !# sf] bkmf ! sf] k|of]hgsf] nflu_
6«fen 6"/ tyf sfuf]{÷s'l/o/ Ph]G;Ln] ljqmL u/]sf] xjfO{ l6s6 tyf sfuf]{÷s'l/o/sf] ljj/0f
ljqmL cjlw Mldlt ======================b]lv==============================;Dd_
ldltM
>L ==================================-a}+ssf] gfd_
===============================================-7]ufgf_
dxfzo,
o; sfof{nosf b]xfo Ph]G6x?n] xjfO{ l6s6 tyf sfuf]{÷s'l/o/ ljqmL u/]sf] ljj/0f g]kfn /fi6«
a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq ;+Vof M !# adf]lhd k]z u/]sf] Joxf]/f cg'/f]w ub{5f}F .
g]kfnL ?k}ofdf ePsf] ljqmL ljb]zL d'b|fdf ePsf] ljqmL
qm
=;+
Ph]lG;
sf]
gfd
l6s6
ljqmL
;+Vof
s'n
ljqmL
/sd
sfuf]{
s'l/o/
ljqmL
;+Vof
s'n
/s
d
l6s6
ljqmL
;+Vof
s'n ljqmL
/sd
sfuf]{
s'l/o/
ljqmL
;+Vof
s'n
/sd
s}lkmo
t
s'n hDdf g]kfnL ?k}ofF ljb]zL d'b|f
pko{'Qm ljj/0f cg';f/ cGo a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . em'§f ljj/0f k]z u/]sf] 7xl/Pdf
k|rlnt sfg"g÷ lgod adf]lhd ;xg]÷a'emfpg] 5f}F .
-cflwsfl/s b:tvt_
sDkgLsf] gfd
af]wfy{M Ohfhtkq gDj/
>L g]kfn /fi6« a}+s 7]ufgfM
ljb]zL ljlgdo Joj:yfkg ljefu sDkgLsf] 5fkM
jfn'af6f/, sf7df08f}
137
cg';"rL !#=%
l/Kofl6«Pzg kmf=g+=%
-kl/kq ;+Vof !# sf] bkmf ! sf] k|of]hgsf] nflu_
Po/nfO{G;÷lh=P;=P=÷lk=P;=P=n] l/Kofl6«Pzgsf] nflu
cg'/f]w ubf{ k]z ug'{ kg]{ kmf/fd
>L ==============================-a}+ssf] gfd_
=============================================-7]ufgf_
===============================
dxfzo,
o; sfof{no / o;sf :yfgLo ljqmL Ph]G6af6 ldlt ===============b]lv =================ldlt
=============;Ddsf] cjlwdf ljb]zL d'b|f / g]kfnL ?k}ofdf ul/Psf] xjfO{ l6s6 / sfuf]{ tyf s'l/o/ ljqmL
afkt ;+slnt b]xfo cg';f/sf] /sd g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq;+Vof
M !# adf]lhd ================== l:yt lk|lG;kn sDkgL ========================== sf] gfddf l/Kofl6«Pzg ug{ k|rlnt
ahf/ ljlgdob/df ;6xL :jLs[lt pknJw u/fO{ lbg' x'g cg'/f]w ub{5' .
g]kfnL ?k}ofdf ePsf] ljqmL ljb]zL d'b|fdf ePsf] ljqmL
ljj/0f /sd ljj/0f /sd
-s_ ;+nUg l/Kofl6«Pzg kmf=g+=! cg'?k cfkmgf]
xjfO{ l6s6 ljqmL /sdM
-s_ ;+nUg l/Kofl6«Pzg kmf=g+=! cg'?k
cfkmgf] xjfO{ l6s6 ljqmL /sdM
-v_ ;+nUg ljj/0f adf]lhd Ph]G6x?n] ljqmL
u/]sf] xjfO{ l6s6 /sd
-v_ ;+nUg ljj/0f adf]lhd Ph]G6x?n] ljqmL
u/]sf] xjfO{ l6s6 /sd
-u_ ;+nUg l/Kofl6«Pzg kmf=g+ # cg'?k cfkmgf]
sfuf]{ s'l/o/ ljqmL /sd M
-u_ ;+nUg l/Kofl6«Pzg kmf=g+ @ cg'?k
cfkmgf] sfuf]{ s'l/o/ ljqmL /sd M
-3_ ;+nUg ljj/0f adf]lhd Ph]G6x?n] ljqmL
u/]sf] sfuf]{ s'l/o/ /sd M
-3_ ;+nUg ljj/0f adf]lhd Ph]G6x?n] ljqmL
u/]sf] sfuf]{ s'l/o/ /sd M
s'n ljqmL /sd s'n ljqmL /sd
Go'g ;+nUg la//0f cg';f/sf] :yfgLo vr{ Go'g ;+nUg la//0f cg';f/sf] :yfgLo vr{
l/Kofl6«Pzg ug'{ kg]{ /sd l/Kofl6«Pzg ug'{ kg]{ /sd
-cflwsfl/s b:tvt_
sDkgLsf] gfd
af]wfy{M Ohfhtkq gDa/M
>L g]kfn /fi6« a}+s 7]ufgfM
ljb]zL ljlgdo Joj:yfkg ljefu sDkgLsf] 5fkM
jfn'af6f/, sf7df08f}
138
cg';"rL !#=^
-O=k|f=kl/kq ;+Vof !# sf] bkmf # sf] k|of]hgsf] nflu_
xjfO{÷hndfu{af6 x'g] 9'jfgLsf nflu
;a} Po/nfOG; tyf 6«fen Ph]G;Lx?÷g]kfndf btf{ ePsf] lzlkË Ph]G6sf] gfd
ljifoM xjfO{÷hndfu{ ef8fsf] cg'dltkq af/] .
dxfzo,
==================================================================== n] cg'/f]w u/]df cd]l/sL 8n/ ==================
;Ddsf] 9'jfgL vr{ ?k}+ofFdf e'QmfgL lng of] kq hf/L ul/Psf] 5 .
ejbLo,
af]wfy{M–
>L g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu .
pko{'Qm 9'jfgLkq ;DaGwL ljj/0fx? lgDgfg';f/ ePsf] Joxf]/f k|dfl0ft ul/G5 M
!= k|tLtkq jf clu|d e'QmfgL pNn]v ug]{ M
@= ;f]sf] g+=M
#= ;f] k7fpg] a}+ssf] gfd / 7]ufgf M
$= ljb]zL cfoftstf{sf] gfd / 7]ufgf M
%= lgof{tstf{sf] gfd / 7]ufgf M
^= /sd M
-s_ Pkm= cf]= lj=
-v_ k|m]6
&= o;eGbf klxn] pkof]u e};s]sf] eP ;f]sf] /sd M
-s_ Pkm= cf]= lj=
-v_ k|m]6
*= k|tLtkq jf clu|d e'QmfgLdf plNnlvt M
-s_ n]6]i6 lzkd]06 ldlt
-v_ Eoflnl8l6 ldlt
(= eG;f/ k|1fkgkqdf plNnlvt M
-s_ ldlt
-v_ Pkm= cf]= lj= d"No
!)= cGo M
=============================================
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
139
cg';"rL !#=&
-O=k|f=kl/kq ;+Vof !# sf] bkmf # sf] k|of]hgsf] nflu_
hndfu{af6 x'g] 9'jfgLsf nflu
>L g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu .
ljifoM hndfu{af6 x'g] 9'jfgLsf] nflu k|bfg ul/Psf] e'QmfgL ljj/0f .
dxfzo,
======================================= n] cg'/f]w u/] cg';f/ =================================== e'QmfgL kfpg] u/L
================== sf] Psfp06k]oL r]s÷8«fk\m6 pknJw u/fOPsf] 5 . ;f] ;DaGwL lgDgfg';f/ ePsf] Joxf]/f
k|dfl0ft ul/G5 .
!= k|tLtkq jf clu|d e'QmfgL pNn]v ug]{ M
@= ;f]sf] g+=M
#= ;f] k7fpg] a}+ssf] gfd / 7]ufgf M
$= ljb]zL cfoftstf{sf] gfd / 7]ufgf M
%= lgof{tstf{sf] gfd / 7]ufgf M
^= /sd M
-s_ Pkm= cf]= lj=
-v_ k|m]6
&= o;eGbf klxn] pkof]u e};s]sf] eP ;f]sf] /sd M
-s_ Pkm= cf]= lj=
-v_ k|m]6
*= k|tLtkq jf clu|d e'QmfgLdf plNnlvt M
-s_ n]6]i6 lzkd]06 ldlt
-v_ Eoflnl8l6 ldlt
(= eG;f/ k|1fkgkqdf plNnlvt M
-s_ ldlt
-v_ Pkm= cf]= lj= d"No
!)= 9'jfgL ug]{ lzlkË sDkgLsf] gfd / 7]ufgf M
!!= cGo M
=============================================
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
140
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!$÷@)&$
ljb]zL d'b|fsf] a}+s Uof/]06L hf/L ug]{ Joj:yf ;DaGwdf .
ef/t tyf t];|f] d'nsaf6 dfn;fdfg tyf k|rlnt Joj:yf adf]lhdsf] ;Ldfleq k|s[of k'/ofO{ ;]jf
cfoft ug{ b]xfo adf]lhd ef/tLo tyf kl/jTo{ ljb]zL d'b|fsf] a}+s Uof/]06L (Bid Bond, Performance Bond
OToflb) hf/L ug{ o; a}+ssf] ;6xL cg'dlt lnO{ /xg' gkg]{ Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{÷u/fpg'
x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L
g]kfn /fi6« a}+s, a}lsË sfof{no nufot ;Dk"0f{ sfof{nox? tyf Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+s /
ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= g]kfnl:yt s'g} lgsfon] dfn;fdfg jf k|rlnt Joj:yf adf]lhd tf]lsPsf] ;Ldfleqsf] ;]jf vl/b
ubf{ ;f]sf] e'QmfgL ljqmLstf{nfO{ kl/jTo{ ljb]zL d'b|fdf g} ul/g] Joj:yf 5 eg] To:tf] dfn;fdfg
jf ;]jf vl/b ug]{ k|of]hgsf] nflu hf/L ul/g] a}+s Uof/]06L
@= o; a}+saf6 Ohfht lnO{ t]>f] d'n'sjf6 ljk]|if0f ug]{ sfo{df ;+nUg lgsfonfO{ cfkmgf] lk|lG;kn
(Principal) sDkgLaf6 clu|d e'QmfgL k|fKt ug]{ k|of]hgsf nflu b]xfo adf]lhdsf] zt{df cfjZos
kg]{ a}+s Uof/]06L M
-s_ o:tf] a}+s Uof/]06L clwstd cd]l/sL 8n/ @ nfv;Ddsf] dfq x'g'kg]{
-v_ tf]lsPsf] clu|d e'QmfgL k|fKt ePkl5 dfq o:tf] a}+s Uof/]06L Activate x'g] zt{ clgjfo{
?kdf /fVg'kg]{
-u_ o;/L hf/L ePsf] a}+s Uof/]06Lsf] hfgsf/L o; ljefunfO{ lbg'kg]{
#= o; a}+saf6 Ohfhtk|fKt 6«fen Ph]G;Lx¿nfO{ g]kfndf sfo{/t ljb]zL Po/nfOG;sf] Ph]G6 eO{
sfd ug{ cfjZos x'g] a}+s Uof/]06L .
$= ljb]zl:yt s'g} lgsfonfO{ g]kfnaf6 j:t' lgof{t tyf ;]jf pknAw u/fpg] nufotsf Joj;fo ug{
/ ;f] k|of]hgsf] nflu cfjZos kg]{ clu|d e'QmfgL lng] k|of]hg ;d]tsf] nflu ;DalGwt
Joj;foLsf] cg'/f]wdf Ohfhtkqk|fKt æsÆ ju{sf a}+sn] hf/L ug]{ ljb]zL d'b|f -ef/tLo ?k}ofF
;d]t_ sf] a}+s Uof/]06L -la8 j08, k/km/d]G; a08 OToflb_ .
%= plNnlvt a}+s Uof/]06L hf/L ubf{ a}+s Uof/]06L]sf] cfjZostf ;DaGwL cflwsfl/s sfuhft lng'
kg]{5 .
^= a}+s Uof/]06L hf/L u/] kZrft l;h{gf x'g] ;Dk"0f{ bfloTj ;DalGwt a}+s tyf ljQLo ;+:yfs} x'g]5 .
&= ljb]zdf C0f lng] k|of]hgsf] nflu o:tf] a}+s Uof/]06L hf/L ug{ kfOg] 5}g .
*= bfjL k/L e'QmfgL lbPsf] a}+s Uof/]06Lsf] ljj/0f e'QmfgL u/] nuQ} o; ljefudf k7fpg' kg]{5 .
(= a}+s Uof/]06Lsf] cfwf/df cfoft ePsf] j:t'sf] xsdf ;DalGwt a}+sn] To:tf] j:t' lelqPsf] eG;f/
k|1fkgkq / /fh:j bflvnf u/]sf] lg:;fsf] k|ltlnlk lnO{ ;fdfg leq] gleq]sf] olsg ug{'kg]{5 .
141
!)= ;dodf dfn;fdfg tyf ;]jf cfoft lgof{t eP gePsf] ;DaGwdf a}+s :jod\n] cg'udg
ug{'kg]{5 .
!!= o; a}+saf6 ljb]zL nufgL] leq\ofpg :jLs[lt k|fKt u/]sf ljb]zL nufgLstf{ JolQm, kmd{, sDkgL /
;+:yf afx]s / cfkm\gf] Joj;fo 7]Ssf k§f jf Jofkf/sf] l;nl;nfdf hf/L x'g] Bid Bond, Performance
Bond h:tf shf{ k|jfx gug]{ k|of]hg ePsf ljb]zL a}+s Uof/]06L afx]s shf{ k|bfg ug]{ p2]Zon]
ljb]zL a}+saf6 hf/L ePsf] a}+s Uof/]06L -Bank or Financial Guaranty_ :jLsf/ ug{'k"j{ o; ljefusf]
:jLs[lt lng'kg]{5 .
142
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!%÷@)&$
On]S6«f]lgs sf8{ dfkm{t x'g] sf/f]jf/ ;DaGwL Joj:yf .
a}+s tyf ljQLo ;+:yfx?n] cfkm\gf u|fxsx?nfO{ lgDg zt{x¿sf] cwLgdf /xL o; ljefusf]
:jLs[ltdf kl/jTo{ ljb]zL d'b|fsf] s|]l86÷8]lj6÷lk|k]8 nufotsf On]S6«f]lgs sf8{ hf/L ug{ ;Sg] tyf sf8{df
sf/f]jf/ ubf{ b]xfosf] k|s[of ckgfpg' kg]{ Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL
ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6«
a}+s, a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox? tyf Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf
ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
! ljb]zL d'b|fdf e'StfgL x'g] u/L ljB'tLo e'QmfgL sf8{ hf/L ubf{ ckgfpg' kg]{ gLltut Pjd\ k|lqmofut
Joj:yf ;DaGwdf M
-s_ Ohfhtkqk|fKt æsÆ ju{ / /fli6«o:t/sf ævÆ ju{sf ljsf; a}+sn] ljb]zL ljlgdo ;DaGwL
k|rlnt Joj:yf cGtu{t /xL ljb]zL d'b|fsf] q]ml86 sf8{, 8]lj6 sf8{, lk|k]8 sf8{ nufotsf
ljB'tLo e'QmfgL sf8{ hf/L ug{ ;Sg]5g\ .
-v_ Ohfhtkqk|fKt /]ld6fG; sDkgLx?n] :jb]zL d'b|fdf e'StfgL x'g] lk|k]8 /]ld6fG; sf8{ dfq hf/L
ug{ ;Sg]5g\ .
-u_ ljb]zL d'b|fdf e'StfgL x'g] ljB'tLo e'QmfgL sf8{ hf/L ug]{ ePdf ;+:yfsf] ;~rfns ;ldltaf6
o; ;DaGwL gLltut lg0f{o, ;'/Iff tyf hf]lvd Joj:yfkg, ljb]zL ;]jf k|bfos;+u x'g] ;Demf}tf
nufotsf cGo k|lqmofut Joj:yf u/L o; ljefusf] cg'dlt lng' kg]{5 .
-3_ ljB'tLo e'QmfgL sf8{ hf/L jf gjLs/0f ubf{ nfUg] z'Ns, sf8{dfk{mt sf/f]jf/ ;~rfng ubf{
nfUg] ;]jf z'Ns, Jofh tyf xhf{gf ;DaGwL Joj:yfx? u|fxs;Fusf] ;Demf}tfdf :ki6?kdf pNn]v
ug'{kg]{5 .
-ª_ o; a}+saf6 ljb]zL d'b|fdf ljB'tLo e'QmfgL sf8{ hf/L ug{ cg'dltkqk|fKt ;+:yfn] u|fxs;+u
;Demf}tf u/L b]xfosf sfo{x? ug{ ;Sg]5g\ .
-c_ vftfdf /x]sf] df}Hbft tyf sf/f]jf/ ;DaGwL ljj/0f pknJw u/fpg] .
-cf_ ljb]zdf Automated Teller Machine (ATM) jf Cash Dispensing Machine
(CDM) af6 gub ljb]zL d'b|f lemSg] .
-O_ j:t' jf ;]jf pkef]u u/] afktsf] /sd Point of Sale (POS), Point of Transaction (POT) Machine, Internet jf cGo ljB'tLo dfWodaf6 e'QmfgL ug]{ .
-r_ k|To]s sf/f]jf/ ;DkGg ePkl5 clgjfo{ ?kdf ;DalGwt u|fxsnfO { SMS dfk{mt ;ts{tf ;Gb]z
(Alert Message) k|bfg ug'{ kg]{5 . ;fy}, u|fxsn] Od]ndfk{mt ;ts{tf ;Gb]z dfu u/]df ;f]
;d]t pknJw u/fpg' kg]{5 . ;f] k|of]hgsf nflu ljB'tLo e'QmfgL sf8{ hf/L ug]{ ;+:yfn]
u|fxs;Fu ;ts{tf ;Gb]z k7fpg] ;Dks{ gDa/÷Od]n 7]ufgf clgjfo{ ?kdf lng' kg]{5 .
-5_ k|To]s k6s d]lzgdf sf8{sf] k|of]u ubf{ sf/f]jf/ ;DkGg ePklg jf gePklg ;f]sf] /]s8{ /xg]
Joj:yf ug{'kg]{5 .
-h_ of] lgb]{zg hf/L x'g' k"j{ ljB'lto sf8{ ;]jf pkef]u ul//x]sf u|fxsn] ;Dks{ gDj/÷Od]n 7]ufgf
pknJw gu/fPsf] jf cBfjlws gu/fPsf] ePdf lgb]{zg hf/L ePsf] tLg dlxgf leqdf
;DalGwt a}+sn] clgjfo{ ?kdf pQm 7]ufgf cBfjlws u/fpg' kg]{5 .
143
-em_ ljB'tLo e'QmfgL sf8{dfk{mt Cash out ul/g] jf gul/g] sf/f]jf/df Cash dispense geO{
vftfaf6 df}Hbft 36]sf] cj:yfdf jf ljB'tLo e'QmfgL sf8{dfk{mt Point of Sale (POS), Point of Transaction (POT) Machine jf cGo ljB'tLo dfWodaf6 e'QmfgL sf/f]jf/ ubf{
sf/f]jf/ ;DkGg geO{ vftfjf6 df}Hbft 36]sf] cj:yfdf b]xfo adf]lhd ug'{ kg]{5 .
-c_ Issuer / Acquirer Pp6} ;+:yf ePdf dgfl;j sf/0f jfx]s sf/f]jf/ ePs} lbg
lx;fjldnfg ug'{kg]{ .
-cf_ Issuer / Acquirer km/s km/s ;+:yf eO{ s'g} Ps ljb]zL ;+:yf ePdf bfjL ph'/L
k/]sf] jf gk/]sf] cj:yfdf a9Ldf #) lbg leqdf lx;fj ldnfg ug'{kg]{ .
-`_ xfn k|of]udf /x]sf ljb]zL d'b|fsf ljB'tLo e'StfgL sf8{ tyf Aquirer device nfO{ ^ dlxgf
leqdf EMV Chip Based agfpg' kg]{5 .
-6_ cGo Joj:yf ;DaGwdf M
-c_ sf8{ x/fPdf, rf]/L ePdf, sf/f]jf/sf] qmddf cGo ;d:of b]lvPdf u|fxsnfO{ tTsfn
;xof]u ug{ ;DalGwt ;+:yfn] Ps HELP DESK v8f u/L @$ ;} 306f ;+rfng ug'{
kg]{5 .
-cf_ sf8{sf] cjlw ;dfKt gx'+b} x/fPdf jf rf]/L ePdf ;"rgf k|fKt x'Fbfsf] ;dodf g} sf8{
Ans ug]{ Joj:yf ug'{ kg]{5 .
-O_ ljB'tLo e'QmfgL sf8{ hf/L ubf{ sf8{df clgjfo{ ?kdf /xg'kg]{ ;'/Iff tyf hfgsf/L
;DaGwL ljj/0fsf cltl/Qm sf8{sf] cu|efusf] tn jfofF s'gfdf "NEPAL" tyf
k[i7efusf] tn bflxg] s'gfdf Card holder sf] kmf]6f] /fVg' kg]{5 .
-O{_ ljb]zL d'b|fdf e'StfgL x'g] u/L hf/L ePsf sf8{af6 g]kfnL ?k}ofFdf e'StfgL x'Fbf o;
a}+ssf] e'StfgL k|0ffnL ljefuaf6 hf/L lgb]{zgx? kfngf x'g] Joj:yf ug{'kg]{5 .
2= s|]l86÷lk|k]8 ÷8]lj6 nufotsf sf8{ hf/L ug]{ Joj:yf
-s_ qm]l86 sf8{ kfpg u|fXo JolQmx¿ M
qm]l86 sf8{ hf/L ug]{ ;DalGwt a}+s÷ljQLo ;+:yfx¿n] cf–cfˆgf] lgwf{l/t k|qm[of k"/f u/L qm]l86
sf8{ kfpg cfj]bg lbPsf lgj]bsx¿nfO{ qm]l86 sf8{ lbg ;Sg]5g\ . o:tf JolQmx¿ g]kfnL
gful/s tyf kl/jTo{ ljb]zL d'b|f vftf ePsf ljb]zL gful/s b'j} x'g ;Sg]5g\ . o;/L hf/L x'g]
qm]l86 sf8{x¿sf] Dofb, vr{sf] ;Ldf cflb zt{gfdfx¿ k|rlnt Joj:yfsf] clwgdf /xL sf8{ hf/L
ug]{ ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] tf]Sg ;Sg]5g\ .
-v_ kl/jTo{ ljb]zL d'b|fdf lk|k]8 sf8{÷8]lj6 sf8{ hf/L ug]{ ;DaGwdf M
ljb]z -ef/t afx]s_ e|d0fdf hfg] JolQmx?nfO{ cfjZos kg]{ ljb]zL d'b|f ;6xL ;'ljwfsf nflu
Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] k|rlnt Joj:yfn] tf]s]sf] gub afx]ssf] /sd lk|k]8
sf8{÷8]lj6 sf8{ dfk{mt ;6xL lbg] Joj:yf ldnfpg' kg]{5 tyf o; k|of]hgsf nflu sf8{ hf/L
ug]{ a}+sx?n] sf8{ hf/L ubf{ /fxbfgL, xjfO{ l6s6 / le;f ;d]tnfO{ cfwf/ dfgL /fxbfgLdf
æsf8{df /flvPsf] /sd tyf s]xL dfqfdf gub} lbPsf] eP ;f] ;d]tsf]Æ 5fk nufO{ /fxbfgLsf]
kmf]6f]skL /fvL tTsfn} lk|k]8 sf8{ hf/L ug]{ Joj:yf ug'{ kg]{5 .
-u_ On]S6«f]lgs sf8{ cGtu{t ePsf] vr{sf] lx;fj ldnfg M
8]lj6÷qm]l86÷lk|k]8 sf8{ cGtu{t ePsf] vr{sf] lx;fa ldnfg lgDg k|lqmofaf6 ug'{kg]{5 M
-!_ k|rlnt Joj:yf adf]lhd ljb]zL d'b|fdf vftf vf]n]sf JolQmn] 8]lj6 sf8{ jf q]ml86 sf8{
k|fKt ug{ ;Sg]5g\ .
-@_ cfkm'n] kfpg] ;6xL ;'ljwf afktsf] ljb]zL d'b|f gub glnO{ sf8{ xf]N8/n] q]ml86 sf8{sf]
dfWodaf6 pkof]u ug{ rfx]df To:tf] sf/f]jf/ ug{ ;lsg]5 .
-#_ ;DalGwt a}+s÷ljQLo ;+:yfx¿n] rfx]df k|rlnt Joj:yfx¿ cGtu{t /xL kl5 kl/jTo{
ljb]zL d'b|fdf g} lx;fj ldnfg ug'{ kg]{ zt{df tyf vftfdf df}Hbft /x]sf] cj:yfdf
cd]l/sL 8n/ !% -kGw|_ xhf/ ;Dd vr{ ug{ ;lsg] u/L q]ml86 sf8{ hf/L ug{ ;lsg] 5 .
144
-$_ lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g u/L k|rlnt Joj:yf cg';f/ g]kfnsf]
a}+s÷ljQLo ;+:yfdf kl/jTo{ ljb]zL d'b|fsf] cfh{g vftf vf]n]sf lgsfox¿n] cf–cfkm\gf
kbflwsf/Lx¿nfO{ To:tf] vftfaf6 vr{ x'g] u/L qm]l86 sf8{ pknAw u/fPdf To:tf]
vftfaf6 vr{sf] lx;fa ldnfg ug'{kg]{5 . o;/L vr{ ubf{ vr{sf] ;Ldfsf] xsdf k|rlnt
Joj:yf cGtu{t /xL ug'{kg]{5 .
-%_ kl/jTo{ ljb]zL d'b|f vftf gePsf g]kfnL gful/sx¿sf] xsdf qm]l86 sf8{ cGtu{t ePsf]
vr{sf] lx;fj ldnfg sf8{ xf]N8/;Fu kl/jTo{ ljb]zL d'b|fdf g} ug'{ kg]{5 . o;/L lx;fj
ldnfg ubf{ e|d0fsf] nflu lghn] ;6xL ug]{ /sdn] /fxbfgL ;'ljwf cg';f/sf] ;Ldf
ggf3]sf] osLg ug'{kg]{5 .
-^_ s'g} JolQmn] e|d0fsf] k|of]hgsf] nflu g]kfn /fi6« a}+saf6 ;6xL cg'dlt kq k|fKt u/]sf] 5
/ To:tf] JolQmn] ;f] cg'dltkqaf6 k"0f{ ?kdf ;6xL gu/]sf] eP To:tf] afFsL /sdaf6 klg
q]ml86 sf8{sf] lx;fj ldnfg ug{ ;lsg]5 .
-&_ a}+s tyf ljQLo ;+:yfx?af6 hf/L ePsf 8]lj6 / q]ml86 sf8{ wf/s -xf]N8/_ x?n]
g]kfnleq} a;L g]kfnd} pkef]u ug]{ p2]Zon] jflif{s @,))) -b'O{ xhf/_ cd]l/sL 8n/;Dd
g]kfnsf] k|rlnt sfg"gaf6 k|ltaGw gnufOPsf ljb]zL j:t' jf ;]jf Online dfk{mt\
ljb]zaf6 v/Lb ug{ ;Sg] 5g\ .
-*_ lk|k]8 sf8{df kl/jTo{ ljb]zL d'b|fsf] df}Hbft afFsL /x]df ;f] df}Hbftaf6 vftf vf]ln 8]lj6
jf qm]l86 sf8{ hf/L ug{ ;lsg]5 .
-(_ On]S6«f]lgs sf8{af6 vr{ ubf{ k'FhL vftf tyf k|rlnt sfg'gn] k|ltaGw nufOPsf j:t' tyf
;]jfsf] nflu vr{ ug{ kfOg] 5}g .
-!)_ g]kfnL gful/sx¿nfO{ On]S6«f]lgs sf8{ pknAw u/fpg'cl3 k|To]s lgj]bsnfO{ dfly
plNnlvt zt{x¿ Kffngf ug]{5' / syd\sbflrt\ plNnlvt zt{x¿ pnª\3g x'g uPdf
ljb]zL ljlgdo lgoldt ug]{ P]g, @)!( -;+zf]wg ;lxt_ adf]lhd sf/jfxL x'g d~h"/ 5
eGg] Joxf]/fsf] sfuhft u/fpg' kg]{5 .
-!!_ qm]l86 sf8{sf] e'QmfgL lx;fj ldnfg ug]{ k|lqmofdf s'g} sf8{ wf/s -xf]N8/_ sf] tkm{af6
dfly plNnlvt Joj:yfx¿ cg'?k lx;fj ldnfg x'g g;Sg] u/L vr{ ePsf] kfOPdf ;f]
;DaGwL ;Dk"0f{ ljj/0fx¿ clgjfo{ ?kn] o; ljefunfO{ hfgsf/L lbg' kg]{5 / o;af/] o;
ljefuaf6 cfb]z glbP;Dd To:tf] lx;fj ldnfg lk|mh u/L /fVg' kg]{5 .
-3_ ljb]zL qm]l86 sf8{sf] sf/f]jf/ ubf{ ckgfpg' kg]{ k|lqmof M
-!_ kl/jTo{ ljb]zL d'b|fsf qm]l86 sf8{x¿af6 e'QmfgL :jLsf/ ug]{ ;a} Ph]G6÷:yfgLo dr]{G6n]
qm]l86 sf8{af6 e'QmfgL lnFbf agfpg'kg]{ rfh]{h l:nk (Charges Slip) k|rlnt ljlgdo b/
cg';f/ g]kfnL ?k}ofFdf jf kl/jTo{ ljb]zL d'b|fdf x'g'kg]{5 .
-@_ g]kfndf qm]l86 sf8{af6 :jLsf/ ul/Psf ljleGg e'QmfgLx¿sf] ljb]zaf6 ;f]wegf{ k|fKt ubf{
qm]l86 sf8{sf ;b:o÷k|ltlglw÷;f]n Ph]06 -Members/Representatives/Sole Agents) n]
ljb]zl:yt cf–cfkm\gf lk|lG;knaf6 6]n]S; 6«fG;km/sf] dfWodåf/f kl/jTo{ ljb]zL d'b|fdf
dfq k|fKt ug'{kg]{5 . o;/L k|fKt ePsf] kl/jTo{ ljb]zL d'b|f /sdaf6 lghx¿n] cf–cfkm\gf
dr]{06nfO{ ljb]zL d'b|fdf klg e'QmfgL ug{;Sg] 5g\ . o;/L kl/jTo{ ljb]zL d'b|fdf e'QmfgL
ubf{ e'QmfgL kfpg] kIf k|rlnt Joj:yf cg';f/ ljb]zL d'b|fdf vftf vf]Ng u|fXo JolQm
x'g'kg]{5 / To:tf] e'QmfgL a}+s 6«fG;km/ jf Negotiable Only in Nepal egL :ki6 Joxf]/f
pNn]v ePsf] Psfp06–k]oL r]ssf] dfWodåf/f dfq k|bfg ug'{kg]{5 .
145
#= ljb]zL d'b|fsf 8]lj6÷qm]l86 sf8{ nufot cgnfOg e'StfgL dfkm{t ljb]zL d'b|fdf e'StfgL :jLsf/ ug]{
Joj:yf M
ljljw ljB'tLo k|0ffnL tyf pks/0fx?sf] lasf; / la:tf/n] ubf{ sltko pTkfbg tyf ;]jfx? OG6/g]6
dfk{mt vl/b÷ljqmL x'g] k|rng /x]sf] kl/k|]Iodf b]xfosf zt{x?sf cfwf/df 8]la6÷s|]l86 sf8{ nufot
cgnfO{g e'StfgLsf dfWodaf6 kl/jTo{ ljb]zL d'b|fdf e'QmfgL :jLsf/ ug{ ;lsg] u/L Joj:yf ul/Psf]
5 .
-s_ o:tf] sf/f]jf/ ug{ OR5's Joj;foLx?n] ;DalGwt Payment Card sDkgL jf ;f] sDkgLsf]
Reseller ;Fu ;Demf}tf u/L Merchant Service Provider jf Principal Member jf Associate Member
sf] ?kdf dfGotf kfPsf a}+s tyf ljQLo ;+:yf jf Joj;foL;Fu cgnfO{g sf/f]jf/ ug{ cfj4tf
lnPsf] x'g'kg]{ 5 .
-v_ Merchant Program cyf{t sf8{sf] k|f];]l;Ë / ;]6nd]06 ;DaGwL sfo{ ;DalGwt Payment Card
sDkgL jf ;f] sDkgLsf] Reseller ;Fu ;Demf}tf u/L Merchant jf Member Bank sf] ?kdf sfo{
ug]{ dfGotf kfPsf s'g} a}+s jf ljQLo ;+:yf;Fu cfjZos ;Demf}tfsf] cfwf/df ug'{ kg]{5 .
-u_ o; k|of]hgsf] nflu sf8{ jf cgnfOgaf6 e'StfgL k|fKt ug]{ ;]jf k|bfg ug{] OR5's Joj;foLn]
;DalGwt a}+sdf ljb]zL d'b|f vftf vf]Ng' kg]{ / sf8{ sf/f]jf/sf] cfwf/df x'g] ljb]zL d'b|fsf]
hDdf tyf vr{ sf/f]jf/ ;f]xL vftfaf6 dfq ug{' kg]{5 .
-3_ sf8{÷cgnfO{g sf/f]jf/sf] cfwf/df clu|d e'QmfgL k|fKt ug]{ a+}s tyf ljQLo ;+:yfn] ;DalGwt
Joa;foLx?sf] gfddf clu|d e'QmfgL k|df0fkq hf/L ug'{ kg]{ ePdf ;f] /sdsf] clu|d e'StfgL
k|df0fkq hf/L ug'kg]{5 .
-ª_ v08 -3_ adf]lhdsf] clu|d e'[QmfgL k|df0fkqsf] cfwf/df ;DalGwt Joj;foLn] k|rlnt Joj:yf
cGt/ut /xL j:t'÷;]jf cflb lgof{t ug'{ kg]{5 .
-r_ sf8{÷cgnfOg sf/f]jf/sf] cfwf/df j:t'÷;]jf lgof{t eO{ ;s]kl5 lajfb pTkGg ePdf ;f]af6
x'g] ;Dk"0f{ gf]S;fgL÷Ifltk"lt{ jxg ug]{ bfloTj tyf lhDd]jf/L sf8{÷cgnfOg sf/f]jf/sf nflu
;b:otf k|bfg ug]{ / ;f] ;]jf k|fKt ug]{ sDkgL÷Joj;foLdf /xg] 5 .
-5_ o:tf] sf/f]jf/ ug]{ ;a} kIfn] k|rlnt sfg"gsf] k"0f{ kfngf ug'{ kg]{5 .
-h_ o:tf] sf/f]jf/ cGt/ut k|fKt x'g] clu|d e'QmfgLsf] ljj/0f q}dfl;s ?kdf o; ljefudf k]z ug'{
kg]{5 .
$= g]kfn / e'6fg aLr sf8{ 8]lj6÷q]ml86÷lk|–k]8 cflb dfk{mt x'g] sf/f]jf/sf] lx;fj ldnfg ;DaGwL
Joj:yf M
cf–cfk\mgf d'n'ssf ;DalGwt lgsfox¿;Fu Ohfhtkqk|fKt u/]sf e'6fgl:yt a}+s, ljQLo ;+:yf /
g]kfnl:yt a}+s ljQLo ;+:yfn] Ps csf{ d'n'sdf ;d]t k|of]u ug{ ;lsg] u/L hf/L u/]sf]
8]lj6÷q]ml86÷lk|–k]8 cflb sf8{x?af6 ATM tyf PoS dfk{mt e'6fg / g]kfn aLr x'g] sf/f]jf/x¿sf]
lx;fj ldnfg b]xfo adf]lhd ef/tLo ¿k}ofFdf ;d]t ug{ ;lsg]] Joj:yf ul/Psf] 5 M
s= sf8{ dfk{mt x'g] sf/f]jf/sf] lx;fa ldnfg ef/tLo ¿k}+ofdf ;d]t ug{ ;lsg] k|fjwfg ;lxtsf]
låklIfo lnlvt ;Demf}tfsf] cfwf/df dfq o:tf] lx;fj ldnfg ug{ ;lsg]5
v= ;Demf}tf adf]lhd x'g ;Sg] sf/f]jf/sf] ;Ldf /sd vfDg] u/L a}+s Uof/]06L jf cGo pko'Qm
;'/If0fsf] Joj:yf ug'{ kg]{5
u= o:tf] sf/f]jf/sf] lx;fjldnfg ug]{ k|of]hgsf] nflu e'6fgl:yt a}+s ljQLo ;+:yfn] g]kfnl:yt
a}+s ljQLo ;+:yfdf cfjZostf cg';f/ NOSTRO vftf vf]Ng ;Sg]5g\
3= a}+s ljQLo ;+:yfx¿n] e'6fgdf ;d]t k|of]u ug{ ldNg] sf8{ -8]lj6÷q]ml86÷lk|–k]8 cflb_ hf/L
ubf{ ef/tLo ¿k}ofFsf] sf/f]jf/ ;DaGwdf o;} PsLs[t kl/kqsf] O=k|f=kl/kq ;+Vof ! sf] bkmf
!=!! df ePsf] k|fjwfg cg'¿k x'g] u/L hf/L ug'{ kg]{5
146
ª= ;DalGwt sf8{ sDkgL;Fu dr]{06 ;Demf}tf u/L ;f]df ePsf] Joj:yfsf] cfwf/df dfq o:tf]
sf/f]jf/ ug'{ kg]{5 . e'6fgl:yt a}+s tyf ljQLo ;+:yf / sf8{ ;]jf k|bfos;Fu ePsf] ;Demf}tfsf]
Ps k|lt o; ljefudf k]z ug'{ kg]{5
r= sf/f]jf/;Fu ;DalGwt sfuhftx¿ sf8{ ;]jf k|bfosn] dfu u/]sf] cj:yfdf pknJw u/fpg
;Sg] u/L sDtLdf !* dlxgf;Dd ;'/lIft /fVg' kg]{5
5= sf8{ dfk{mt x'g] sf/f]jf/ /sddf bfjL k/L lkmtf{ e'QmfgL lng' lbg' k/]df ;DalGwt sf8{
sDkgLsf] lgodfg';f/ lng] lbg] Joj:yf ug'{ kg]{5
h= o:tf] sf/f]jf/ ubf{ ;DklQ z'4Ls/0f -dlg nfp08l/Ë_ lgjf/0f P]g, @)^$ nufotsf k|rlnt
sfg"g, lgod, lgb]{zgsf] k"0f{tof kfngf ug'{ kg]{5
em= g]kfnL ?k}ofF / ef/tLo ?k}ofF afx]s cGo kl/jTo{ ljb]zL d'b|fsf sf8{af6 ePsf sf/f]jf/x?sf]
lx;fj ldnfg eg] cd]l/sL 8n/d} ug'{ kg]{5
`= lx;faldnfg x'g g;s]sf] / bfjL k/L lkmtf{ e'QmfgL lnP lbPsf] sf/f]jf/sf] ljj/0f cw{jflif{s
tyf jflif{s lx;fa ldnfg (Closing) ;lsPsf] ! dlxgfleq o; ljefudf k7fpg' kg]{5
6= sf8{ hf/L ug]{ / sf8{ dfk{mt ePsf] sf/f]jf/sf] lx;fj ldnfg ug]{ nufotsf cGo Joj:yfx?
o;} kl/kqsf] bkmf ! adf]lhd g} x'g]5 .
%= Prepaid Remittance Card hf/L ug]{ ;DaGwL Joj:yf M
ljb]zdf ljk|]if0f afkt ;+sng u/]sf] /sd ljk|]if0f k7fpg]sf] kl/jf/n] ;xh, ;'/lIft / Jojl:yt tj/n]
e'QmfgL kfpg] k|of]hgsf] nflu ;DalGwt JolQmx?n] k|fKt ug]{ g]kfnL ?k}ofFdf x'g] /sd a/fa/sf]
Prepaid Remittance Card b]xfo adf]hdsf] k|s[of / Joj:yf kfngf ug]{ u/L ljk|]if0f sf/f]jf/ ug{
Ohfhtkqk|fKt ljk|]if0f sDkgLx?n] hf/L ug{ ;Sg] Joj:yf ul/Psf] 5 M
-s_ o:tf] sf8{ hf/L ug]{ ljk|]if0f sDkgLn] cfk\mgf] 5'6[} sf8{ ;~rfng lgb]{lzsf agfO{ o; ljefusf]
:jLs[ltdf nfu' ug'{ kg]{5 .
-v_ ljk|]if0f sDkgLx?n] g]kfnsf s'g} klg Ohfhtkqk|fKt jfl0fHo a}+}s;Fu ;Demf}tf u/L ;f] a}+ssf]
k|ltlglwsf] ?kdf Prepaid Remittance Card hf/L ug{' kg]{5 .
-u_ o;/L a}+s dfk{mt hf/L ul/g] lk|k]8 /]ld6fG; sf8{ hf/L ubf{ aSof}tf a/fa/ vfDg] /sd ;DalGwt
jfl0fHo a}+sdf /x]sf] sDkgLsf] vftfdf lgIf]k /fvL Po/dfs{ u/]sf] x'g'kg]{5 . lgIf]k hDdf ug]{ /
e'QmfgL lbg] Joj:yf ;DalGwt a}+sn] g} ;Demf}tfdf v'nfpg' kg]{ Joj:yf ldnfpg' kg]{5 .
-3_ a}+s dfkm{t hf/L ul/g] o; k|sf/sf] sf8{ hf/L ug]{ ljk|]if0f sDkgL÷;+:yfsf] Go'gtd r'Qmf k'FhL
?= @% s/f]8 x'g'kg]{ 5 .
-ª_ sf/f]jf/ ;~rfng ubf{ sf8{sf] ;'/Iff, e'QmfgL Joj:yf, pTkGg x'g] hf]lvd / ;f]sf] Joj:yfkg,
u|fxs;Fusf] ;Demf}tf, ;DkQL z'4Ls/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgjf/0f ;DaGwL
hf/L lgb]{zgsf] kl/kfngf, ATM sf8{ /f]Ssf ug]{]{ nufotsf ;Dk"0f{ Joj:yf ljk|]if0f sDkgLn] g}
ldnfpg' kg]{5 .
-r_ sf8{ hf/L ug]{ ;DaGwdf ljk|]if0f sDkgLx?n] klg k|rlnt Joj:yf adf]lhdsf k|s[of /
k|fjwfgx? k"/f ug'{ kg]{5 .
-5_ o;/L hf/L ul/Psf] sf8{ dfk{mt x'g] sf/f]jf/sf] dfl;s hDdf vr{ / df}Hbftsf] ljj/0f o;
ljefudf dlxgf Joltt ePsf] ;ft lbgleq k]z ug'{ kg]{5 .
147
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!^÷@)&$
gub kl/jTo{ ljb]zL d'b|f ljqmL tyf
/sdfGt/ ;DaGwL Joj:yf
a}+s tyf ljQLo ;+:yfn] o; a}+saf6 kl/jTo{ ljb]zL d'b|f gubdf vl/b tyf /sdfGt/ ug{ rfx]df b]xfo
adf]lhd ;lsg] Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g @)!(
sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox? tyf
Ohfhtkqk|fKt æsÆ ju{ / /fli6«o:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 M
!= kl/jTo{ ljb]zL d'b|f ljqmL ug]{ ;DaGwL Joj:yf
-s_ cd]l/sL 8n/ ljqmL ;DaGwdf M
a}+s tyf ljQLo ;+:yfx?n] cd]l/sL 8n/ gubdf vl/b ug{ rfx]df ;DalGwt a}+s tyf ljQLo
;+:yfsf] o; a}+sdf /x]sf] cd]l/sL 8n/ vftf vr{ u/L ljqmL ug{ ;lsg]5 .
-v_ cGo kl/jTo{ ljb]zL d'b|f ljqmL ;DaGwdf M
!= ljqmLb/ pNn]v ePsf kl/jTo{ ljb]zL d'b|fx? dfq ljqmL ug{ ;lsg]5 .
@= o; a}+s;Fu kof{Kt df}Hbft ePsf kl/jTo{ ljb]zL d'b|fx? dfq ljqmL ug{ ;lsg]5 .
#= cGo kl/jTo{ ljb]zL d'b|f ljqmL ubf{ cd]l/sL 8n/ tyf ljqmL ul/g] d'b|f b'j}df k|rlnt
ljqmL b/ nfu' x'g]5 .
$= ;DalGwt a}+s÷ljQLo ;+:yfsf] o; a}+s l:yt cd]l/sL 8n/ vftf vr{ u/]/ o:tf]
kl/jTo{ ljb]zL d'b|f ljqmL ul/g]5 .
@= a}+s÷ljQLo ;+:yfx? / o; a}+s aLr kl/jTo{ ljb]zL d'b|fsf] /sdfGt/ ;DaGwL Joj:yf M
-s_ ;DalGwt a}+s÷ljQLo ;+:yfx?n] kl/jTo{ ljb]zL d'b|f /sdfGt/ ug'{kbf{ Value Date eGbf b'O{
sfo{lbg cufl8 g} /sdfGt/sf] nflu o; a}+ssf] a}+lsË sfof{nonfO{ o;};fy ;+nUg cg';"rL
!^=! jdf]lhd lnlvt cg'/f]w ug'{kg]{ 5 .
-v_ o;/L cg'/f]w kq k|fKt eP kl5 a}+lsª sfof{non] Value Date cufj} /sdfGt/sf] nflu SWIFT
Message k7fpg' kg]{5 .
-u_ Value Date sf] lbg ;DalGwt a}+s tyf ljQLo ;+:yfsf] vftfdf /sdfGt/ u/]sf] /sd a/fa/
x'g] /sd a}+lsË sfof{non] k|rlnt lgodfg';f/ 8]lj6 ug{'kg]{5 .
-3_ Value Date sf lbg ;DalGwt a}+s tyf ljQLo ;+:yfsf] vftfdf kof{Kt df}Hbft g/x]df k|rlnt
b/n] x'g] Aofh;lxt xhf{gf c;'n ug{'kg]{5 .
148
cg';"rL !^=!
-O=k|f=kl/kq ;+Vof !^ sf] @-s_ sf] k|of]hgsf] nflu_
ldlt M
>L g]kfn /fi6« a}+s
a}+lsË sfof{no
yfkfynL, sf7df8f} .
ljifoM kl/jTo{ ljb]zL d'b|f /sdfGt/ af/] .
dxfzo,
o; a}+s÷ljQLo ;+:yfsf] sf/f]jf/sf] nflu b]xfo adf]lhd kl/jTo{ ljb]zL d'b|f /sdfGt/ ug{sf] nflu
cg'/f]w ub{5' .
!_ /sdfGt/ ul/g] kl/jTo{ ljb]zL d'b|fsf] kl/df0f ====================
@_ Eofn' 8]6====================
#_ kl/jTo{ ljb]zL d'b|f hDdf ug{' kg]{ M
-s_ Ph]G;L a}+ssf] gfdM
-v_ 7]ufgfM
-u_ vftf gDj/M
-3_ l:jkm\6 sf]8 M
pko{'Qm adf]lhdsf] kl/jTo{ ljb]zL d'b|f /sdfGt/ ul/lbg' x'gsf] ;fy} Eofn' 8]6sf] lbg To; sfof{nol:yt
xfd|f] vftf g+= ==================== df cfjZos /sd vr{ n]Vg x'g ;d]t cg'/f]w 5 . ;fy} pQm vftfdf kof{Kt
/sd g/x]sf] cj:yfdf k|rlnt Jofhb/af6 x'g cfpg] xhf{gf ltg{ ;d]t xfd|f] dGh'/L /x]sf] Joxf]/f cg'/f]w
5 .
ejbLo
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
149
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!&÷@)&$
lrlgofF d'b|f o'cfg (Yuan) sf] sf/f]jf/ ;DaGwL Joj:yf
låkIfLo e'QmfgL tyf lx;fa ldnfg / ;xof]usf] ;DaGwdf g]kfn /fi6« a}+s / lkk'N; a}+s ckm
rfOgf aLr ldlt @)%(.#.# df ;DkGg d'n ;Demf}tf / ldlt @)&!.(.* df ;DkGg o; ;DaGwL k"/s
;Demf}tf sfof{Gjogsf] l;nl;nfdf lgDg Joj:yfx¿ nfu' ul/Psf] x'Fbf ;f]xL adf]lhd ug{÷u/fpg' x'g ljb]zL
ljlgdo -lgoldt ug]{_ P]g @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}lsË sfof{no
nufot ;Dk"0f{ sfof{nox?, Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{
of] kl/kq hf/L ul/Psf] 5 .
!= a}+s tyf ljQLo ;+:yfx?n] o; a}+ssf] :jLs[lt lnO{ hgjfbL u0ftGq rLgl:yt s'g}klg jfl0fHo
a}+sdf o'cfg (Yuan) df vftf vf]Ng ;Sg]5g\
@= a}+s÷ljQLo ;+:yfx¿n] sf/f]jf/sf nflu cfjZos kg]{ kl/jTo{ ljb]zL d'b|f ljqmL u/L lrlgofFF d'b|f
o'cfg (Yuan) vl/b ug{ ;Sg]5g\ / vl/b ul/Psf] o'cfg (Yuan) rLgl:yt jfl0fHo a}+sdf vf]lnPsf]
vftfdf hDdf ug{ ;Sg]5g\
#= cGt/fli6«o Jofkf/sf e'QmfgL ;DaGwL k|rngx? tyf o; a}+saf6 hf/L kl/kqx?sf] cwLgdf /xL
g]kfnsf a}+s tyf ljQLo ;+:yfx?n] g]kfnL Jofkfl/s kmd{x? tyf lrlgofFF Jofkfl/s kmd{x? aLrsf]
Jofkf/sf] nflu k|tLtkq 8«fk\m6, l6=l6= nufotsf dfWodaf6 x'g] e'QmfgL / lx;fj ldnfg lrlgofF
d'b|f o'cfgdf ug{;Sg] 5g\ .
$= g]kfnL lgof{tstf{x¿n] lrlgofFF ahf/df ug]{ j:t' lgof{t, ;]jf ljqmL tyf g]kfnL kmd{, sDkgL jf
pBf]un] rLgaf6 k|fKt ug]{ C0f jf k|ToIf j}b]lzs nufgL afkt k|fKt /sd ;DalGwt a}+s÷ljQLo
;+:yfx¿n] o'cfgd} vftf vf]nL hDdf ug{ ;Sg]5g\ .
%= o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf Pjd\ JolQm, kmd{, sDkgL, ;+:yfx?n] g]kfn
e|d0fdf cfpg] lrlgofFF ko{6ssf cltl/Qm cGo u|fXo :jb]zL tyf ljb]zL JolQmx?af6 k|rlnt
ljlgdo b/df lrlgofFF d'b|f o'cfg (Yuan) vl/b ug{ ;Sg]5g\ . o;/L ul/g] vl/b ko{6sx¿af6 ;f]e}m
jf Ohfhtkqk|fKt cGo lgsfox¿ h:t} xf]6]n, 6«fen Ph]G;L, dlgr]~h/ cflb dfk{mt klg ug{
;lsg]5 .
^= ;DalGwt a}+s÷ljQLo ;+:yfx¿n] vl/b u/]sf] o'cfg (Yuan) rLgl:yt jfl0fHo a}+sdf vf]lnPsf]
cfk\mgf] vftfdf hDdf ug{ k7fpg ;Sg]5g\ .
&= k|rlnt Joj:yf cGt/ut /xL rLgdf cWoog ug]{ ljBfyL{nfO{ lgjf{x vr{ tyf lghn] cWoog ug]{
ljZjljBfno÷sn]hsf] gfddf lzIf0f z'Ns afkt lrlgofFF o'cfgdf ;d]t ;6xL ;'ljwf pknJw
u/fpg ;lsg]5 .
*= lrlgofF d'b|f o'cfgdf cfo k|fKt ug]{ JolQm, kmd{, sDkgLn] vf]n]sf] o'cfg vftfaf6 k|rlnt Joj:yf
cg'?k tf]lsPsf] ;Ldf;Dd o'cfgdf e'QmfgL ug{ ;lsg]5 .
(= k|rlnt Joj:yf adf]lhd ljb]zL d'b|fdf vftf vf]Ng u|fXo JolQm, kmd{, sDkgL jf ;+:yf;Fu lrlgofF
d'b|f lnP/ ;6xL u/L cGo kl/jTo{ ljb]zL d'b|fdf vftf vf]Ng÷hDdf ug{ kfOg] 5}g .
!)= lrlgofF d'b|fdf hf/L ePsf qm]l86÷8]lj6 sf8{ k|of]uaf6 g]kfnL ?k}ofFdf e'QmfgL lbg ;lsg] 5 .
o:tf] /sdsf] lx;fj ldnfg rLgl:yt cfk\mg} o'cfg vftfaf6 ug{ ;lsg]5 .
150
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!*÷@)&$
ljb]zL d'b|fdf vftf vf]Ng] / ;~rfng ug]{ ;DaGwL Joj:yf
o; a}+sn] ljb]zL d'b|fdf vftf vf]Ng], ;~rfng ug]{ / vr{ ug]{ Joj:yf ;DaGwdf lgDg Joj:yf ul/Psf]n]
;f]xL jdf]lhd ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf]
clwsf/ k|of]u u/L] g]kfn /fi6« a}+s, a}+lsË sfof{no yfkfynL nufot cGo sfof{no / Ohfhtkqk|fKt æsÆ
ju{ tyf /fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= :jb]zdf vf]lng] ljb]zL d'b|fsf] vftf / ;~rfng ;DaGwL Joj:yf M
-s_ vftf vf]Ng u|fXo JolQm, kmd{, sDkgL, tyf ;+3÷;+:yfx¿ M
kl/jTo{ ljb]zL d'b|fsf] cfo ;|f]t ePsf b]xfosf JolQm, kmd{, sDkgL tyf ;+3÷;+:yfx¿n] kl/jTo{
ljb]zL d'b|fdf vftf vf]Ng ;Sg]5g\ .
-!_ cGt/f{li6«o ;+3, ;+:yf, lgof]u, k|];, g]kfnl:yt ljb]zL b'tfjf; tyf s'6gLlts lgof]u,
s'6gLlts x}l;ot k|fKt JolQmx¿ / To:tf ;+:yfsf] sd{rf/L, k|ltlglw eO{ jf sfd u/L
kl/jTo{ ljb]zL d'b|fdf tnj, eQf, k]G;g cflb kfpg] JolQmx¿
-@_ g]kfndf ljlwjt btf{ eO{ cg'dlt kfO{ sfo{ ug]{ ljb]zL ;+3, ;+:yf, sDkgL, kmd{ / ltgsf
Ph]G6 -k|ltlglw_
-#_ g]kfndf ljlwjt btf{ eO{ ljb]zdf ;]jf k'¥ofpg] Dofgkfj/ nufotsf sDkgL÷kmd{ tyf
;+ul7t OsfO{x¿
-$_ ljb]zdf gf]s/L, Joj;fo tyf ;]jf nufotsf cfod'ns sfo{ ug]{ g]kfnL gful/sx¿
-%_ ljb]zdf tflnd, ;]ldgf/, cWoog, cWofkg, ko{6g nufotsf cf}krfl/s tyf cgf}krfl/s
Pjd\ lghL e|d0fdf hfg] g]kfnL gful/sx¿
-^_ n]v, /rgf, k'/:sf/, /f]oN6L Pjd\ sG;N6]G;L ;]jf afkt kl/jTo{ ljb]zL d'b|f cfh{g ug]{
;+3, ;+:yf, sDkgL÷kmd{ tyf g]kfnL gful/sx¿
-&_ gfkmf cfh{g ug]{ p2]Zo gePsf kl/jTo{ ljb]zL d'b|fdf ;xof]u cg'bfg kfpg] / g]kfndf
ljlwjt btf{ eO{ sfo{ ug{] cg'dlt kfPsf cGt/f{li6«o tyf /fli6«o u}x| ;/sf/L tyf
;fdflhs ;+3 ;+:yfx¿
-*_ k|rlnt sfg"g adf]lhd g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|fKt u/L g]kfndf
sfo{ ug]{, j;f]jf; ug]{ tyf ko{6ssf] ¿kdf g]kfn cfpg] ljb]zL gful/sx¿
-(_ ljb]zL ;/sf/ jf ;+3 ;+:yf sDkgL cflbaf6 Ifltk"lt{ k|fKt ug]{ g]kfnL gful/sx¿
-!)_ lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g ug]{ sDkgL, kmd{ nufotsf
Joj;foLx¿
-!!_ aLdf ;ldltaf6 jLdf Joj;fo ug{ Ohfht k|fKt u/L ljb]zL d'b|fdf lk|ldod / ljb]zL aLdf
sDkgLx¿af6 ljb]zL d'b|f k|fKt ug{] aLdf sDkgLx¿
-!@_ o; ljefuaf6 ljb]zL d'b|fsf] sf/f]jf/ ug{ Ohfhtkqk|fKt ljk|]if0f (Remittance),
dlgr]Gh/, Po/nfOG;, xf]6n, sfuf]{, s'l/o/, 6«fen, 6«]lsË ¥ofk\ml6Ë, dfp06]lgol/Ë
nufotsf ljljw ko{6sLo ;]jf pknJw u/fpg] sDkgL÷kmd{ tyf ;+ul7t lgsfox¿
151
-!#_ Unf]jn 6]08/ cGt/ut 7]Ssf k|fKt u/]sf] 7]s]bf/ JolQm tyf ;+:yfx¿
-!$_ ljb]zL b'tfjf;, s'6gLlts lgof]u, ljb]zL ;+3 ;+:yf jf sDkgL;Fu ;Demf}tf÷;xdlt u/L
sfof{b]z kfPsf jf Deemed Export sf] dfWodaf6 j:t' tyf ;]jf cfk"lt{ u/fP afkt
ljb]zL d'b|fdf e'QmfgL kfpg] g]kfnL sDkgL÷kmd{ nufotsf ;+ul7t ;+3 ;+:yf / g]kfnL
gful/sx¿ .
-!%_ u}x| cfjf;Lo g]kfnL gful/sx¿
-!^_ bfg, bftJo, pkxf/k|fKt ug]{ s'g} JolQm÷kmd{÷sDkgL jf ;+:yf
-v_ vftfsf] lsl;d M
kl/jTo{ ljb]zL d'b|fdf b]xfo adf]lhd $-rf/_ lsl;dsf vftf vf]Ng ;lsg]5 M
-s_ rNtL vftf -v_ art vftf -u_ sn vftf / -3_ d'2lt vftf
-u_ vftf vf]Ng kfOg] kl/jTo{ ljb]zL d'b|fx¿ M
g]kfn /fi6« a}+sn] b}lgs ¿kdf k|sflzt ug]{ ljlgdo b/ ;DaGwL ;"rgfdf ;dfj]z ePsf kl/jTo{
ljb]zL d'b|fx¿dWo] ef/tLo ¿k}ofF afx]s vl/b tyf ljqmL b'j} b/ pNn]v ePsf d'b|fx¿
-3_ vftf vf]Ng] tyf ;~rfng ug]{ k|s[of M
kl/jTo{ ljb]zL d'b|fdf vftf vf]Nbf tyf To;/L vf]lnPsf vftfx¿ ;~rfng ubf{ b]xfo adf]lhd
ug'{÷u/fpg' kg]{5 M
-!_ vftf vf]Nbf tyf ;~rfng ubf{ cfk\mgf] u|fxssf] :ki6 klxrfg (Know your customer)
sfod x'g] u/L ;DkQL z'4Ls/0f -dlg nfp08l/Ë_ lgjf/0f P]g, @)^$, ljb]zL ljlgdo -
lgoldt ug]{_ P]g, @)!(, ljb]zdf nufgL ug{ k|ltaGw nufpg] P]g, @)@! nufotsf
k|rlnt P]g, lgod tyf ;f] cGt/ut hf/L ePsf lgb]{zg, kl/kq cflbdf ePsf Joj:yfx¿
kfngf ug'{ kg]{5
-@_ u}x| cfjf;Lo g]kfnL gful/ssf] gfddf vftf vf]Nbf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6
hf/L ePsf] u}x| cfjf;Lo g]kfnL gful/ssf] kl/rokqsf] k|ltlnlk ;d]t lng' kg]{ 5 . vftf
;~rfngsf] nflu ;f] k|df0fkq cWofjlws ¿kdf gjLs/0f ;d]t ePsf] x'g'kg]{ 5 .
-#_ s'6g}lts x}l;ot k|fKt JolQmx¿sf] vftf vf]Nbf g]kfn ;/sf/, k//fi6« dGqfnoaf6 hf/L
ePsf] k|df0f k]z ug'{ kg]{5 .
-$_ kl/jTo{ ljb]zL d'b|fsf] cfkmg} ;|f]t ePsf lgsfo tyf JolQmx¿nfO{ dfq o:tf] vftf vf]Ng
lbg' kg]{5 . o; Joj:yf cGt/ut j}b]lzs /f]huf/df uPsf jf j}b]lzs /f]huf/af6 kms]{sf,
lghL jf clkml;on e|d0fdf ljb]z uO{ kms]{sf g]kfnL gful/sx¿n] /fxbfgL ;'ljwf / cGo
vr{ afkt ;6xL u/]sf] kl/jTo{ ljb]zL d'b|f e|d0f ;lsO{ afFsL /xg uPdf ;f] ar]sf]
kl/jTo{ ljb]zL d'b|f gofF vftf vf]nL jf eO{ /x]sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{
;Sg]5g\ .
-%_ tTsfn ;|f]t gv'Ng] t/ ljb]zL d'b|f kl5 k|fKt x'g] u/L ePsf s'g} klg lnvtsf] cfwf/df
ljb]zL d'b|f k|fKt ePkl5 dfq ;~rfng x'g] u/L ;DalGwt a}+s÷ljQLo ;+:yfn] cfk\mgf]
lgodsf] kl/lwleq /xL z'Go df}Hbftdf ;d]t vftf vf]ln lbg ;Sg]5g\ .
-^_ vftfdf gub} /sd hDdf ubf{ kl/jTo{ ljb]zL d'b|fsf] ;|f]t v'Ng] sfuhft jf k|df0f lng'
kg]{5 . JolQm ljz]ifn] cd]l/sL 8n/ %,))).– -kfFrxhf/_ jf ;f] a/fa/sf] cGo kl/jTo{
ljb]zL d'b|feGbf a9L x'g] u/L gub} hDdf ug{ NofPdf lgh g]kfn k|j]z ubf{sf] k|j]z ljGb'df
3f]if0ff u/]sf] k|df0f jf g]kfnL gful/ssf] /fxbfgLdf b/lk7 ePsf] ;d]tsf] cfwf/df dfq
hDdf ug{ ;lsg]5 . Pp6} JolQm ljz]ifn] k6s k6s u/L plNnlvt ;LdfeGbf a9L gub}
ljb]zL d'b|f hDdf ug{ NofPdf lgh k6s÷k6s ljb]z uO{ kms]{sf] eGg] Joxf]/f jf ;LdfeGbf
a9L x'g] ljb]zL d'b|fsf] ;|f]t osLg u/]/ dfq hDdf ug'{ kg]{5 .
152
-&_ ljb]zL gful/s -ko{6s ;d]t_ sf] vftf vf]Nbf lghx?sf] le;f cjlw;Dd dfq vftf
;~rfng x'g ;Sg] u/L vf]Ng' kg]{5 . o:tf] vftf le;fsf] cjlw yk ePsf] cfwf/df k'gM
;~rfng ug{ ;lsg]5 . ljb]zL gful/s -ko{6s ;d]t_ n] g]kfndf /xFbf÷a:bf vf]n]sf]
ljb]zL d'b|fsf] vftfaf6 g]kfndf e'QmfgL lbg] k|of]hgsf nflu dfq a}+s vftf ;~rfngnfO{
lg/Gt/tf lbg rfx]df lghsf] JolQmut ljj/0f cBfjlws u/L vftf ;~rfngnfO{ lg/Gt/tf
lbg ;lsg]5 . vftfjfn ljb]zL gful/s ljb]z kmls{hfg] ePdf ;f] k'li6 x'g] sfuhft lnO{
lghsf] vftfdf afFsL /x]sf] ljb]zL d'b|f vftf aGb u/L lghsf] vftf /x]sf] ljb]zL a}+sdf
k7fpg ;lsg]5 .
-*_ ljb]zL d'b|fsf] cfDbfgL jf ;|f]t k|dfl0ft x'g] Negotiable Instrument dfk{mt klg vftfdf
/sd hDdf ug{ ;lsg]5 . t/, To:tf] Instrument sf] k|fks (Payee) vftfjfn cfk}m x'g'
kg]{5 . c¿sf] gfdaf6 b/kL7 (Endorse) ePsf] x'g' x'b}g . t/ ljb]zL gful/ssf] gfddf
/x]sf] Transferable Negotiable Instrument eg] ;DalGwt k|fks (Payee) n] csf]{ ljb]zL
gful/ssf] gfddf b/kL7 u/L lbPsf] 5 eg] To:tf] Instrument sf] kl/jTo+ ljb]zL d'b|f
;DalGwt ljb]zL gful/ssf] vftfdf hDdf ug{ ;lsg]5 .
-(_ Psf3/ kl/jf/sf ;b:ox¿ aLr b'O{ jf b'O{ eGbf a9L JolQmx¿sf] gfddf ;+o'Qm vftf klg
vf]Ng ;lsg]5 . o:tf] vftfdf /sd hDdf ubf{ vftfjfndWo] slDtdf s'g} Pssf] kl/jTo{
ljb]zL d'b|fsf] cfo ;|f]t v'Ng] / gftf k|dfl0ft x'g] sfuhft lng' kg]{5 .
-!)_ JolQmut vftfjfnfn] clVtof/ k|bfg u/]df lghsf] >LdtL, afa', cfdf, 5f]/f, 5f]/Ln] klg
To:tf] clVtof/ adf]lhd vftf ;Grfng ug{ kfpg] 5g\ . t/, o:tf] clVtof/ k|bfg ubf{
;DalGwt lgsfoaf6 k|dfl0ft ePsf] gftf k|dfl0ft k|df0fkqsf] k|ltlnlk clgjfo{sf] ¿kdf
lng' kg]{5 .
-!!_ ;+:yfut vftfsf] xsdf ;DalGwt ;+3 ;+:yfsf] ;+rfns ;ldlt jf ;f] ;+:yfaf6 clVtof/
k|fKt lgsfo÷kbflwsf/Ln] tf]s] adf]lhd lgodfg';f/ vftf ;~rfng ug'{ kg]{5 .
-!@_ k|rlnt Joj:yf adf]lhd jf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 dfn ;fdfg cfoft ug{
:jLs[lt k|fKt vftfjfnfn] ljb]zaf6 dfn ;fdfg cfoft ubf{ cfoft ;DaGwL cyf{t k|rlnt
Joj:yf adf]lhd e'QmfgL ug{ ;Sg]5g\ .
-!#_ o'cfg afx]s cGo kl/jTo{ ljb]zL d'b|fdf vf]lnPsf vftfdf /x]sf] ljb]zL d'b|f jf gub ;6xL
u/L cGo kl/jTo{ ljb]zL d'b|fdf kl/jt{g ug{ rfx]df k|rlnt ljlgdo b/df ;6xL u/L
e}/x]sf] vftfdf hDdf ug{ jf gofF vftf vf]nL hDdf ul/lbg ;lsg]5 .
-!$_ vftfsf] cjlw, Go'gtd df}Hbft, Jofh b/ nufot vftf ;Grfng ;DaGwL cGo k|s[of
;DalGwt a}+s ljQLo ;+:yfn] to u/] adf]lhd x'g]5 . vftf ;~rfng kZrft\ vftf
;~rfng ;DaGwL s'g} klg Joj:yf kl/jt{g ePdf vftfjfnfnfO{ hfgsf/L u/fpg' kg]{5 .
-!%_ o; ljefuaf6 kl/jTo{ ljb]zL d'b|fdf sf/f]jf/ ug{ Ohfht k|fKt lgsfosf] vftf To:tf]
Ohfhtkqsf] cjlw jxfn /x];Dd dfq ;~rfng x'g] u/L vf]Ng' kg]{5 . ;fy}, To:tf]
Ohfhtkqsf] cjlw ;dfKt ePsf] #) lbg;Dd klg Ohfhtkq gjLs/0f ePsf] k|df0f jf
o; ljefusf] :jLs[lt kq k]z gu/]df To:tf vftf ;~rfngdf k"0f{ ¿kdf /f]s nufpg'
kg]{5 . ljb]zLnfO{ ;]jf ljqmL u/L ljb]zaf6 k|fKt ePsf] /sd To:tf vftfdf hDdf dfq
ug]{ u/L :jLsf/ ug{ eg] ;lsg]5 .
-!^_ vftfjfnfn] rfx]df Pp6f a}+s ljQLo ;+:yfsf] vftfdf /x]sf] kl/jTo{ ljb]zL d'b|f csf]{ a}+s
ljQLo ;+:yfdf /x]sf] cfk\mg} vftfdf r]s jf 6«fG;km/sf] dfWodaf6 ljb]zL d'b|fd} /sdfGt/
ug{ kfpg] 5g\ . o;/L /sdfGt/ x'g] kl/jTo{ ljb]zL d'b|fsf] ;DaGwdf hDdf ug]{ a}+s ljQLo
;+:yfn] ;|f]tsf] k|df0f lng' kg]{ 5}g .
153
-!&_ s'g} JolQm jf ;+:yfn] ljb]zL d'b|fdf bfg, bftJo, pkxf/ k|fKt u/]df To:tf] ljb]zL d'b|fsf]
;|f]t / ljj/0f v'nfO{ JolQmsf] xsdf kl/rokq tyf ;+:yfsf] xsdf btf{ ;DaGwL
sfuhftx? lnO{ cfjZos k|lqmof k'¥ofO{ ljb]zL d'b|fdf vftf vf]Ng ;lsg]5 .
-ª_ kl/jTo{ ljb]zL d'b|f vftfaf6 vr{ ug]{ Joj:yf M
-!_ ;fdfGotof kl/jTo{ ljb]zL d'b|f vftfdf /x]sf] df}Hbftn] EofP;Dd vftfjfnfn] cfk\mgf]
vftf vr{ u/L e'QmfgL lbg ;Sg]5g\
-@_ v08 -ª_-!_ adf]lhd e'QmfgL kfpg] kIf g]kfnL eP g]kfnL ¿k}ofFdf / ef/tLo ePdf
k|rlnt ljlgdo b/df ef/tLo ¿k}ofFdf dfq e'QmfgL ug'{ kg]{5 . t/, e'QmfgL kfpg] kIf
;/sf/L lgsfo ePsf] v08df o:tf] aGb]h nfu' x'g] 5}g . To:t} ljb]zL d'b|f sf/f]jf/
;DaGwdf o; ljefuaf6 ePsf cGo kl/kqx¿n] u/]sf] Joj:yf cg'¿k e'QmfgL ug{ eg]
o; Joj:yfn] afwf k'¥ofPsf] dflgg] 5}g
-#_ vftfjfnfn] cfk\mgf] vftfdf /x]sf] kl/jTo{ ljb]zL d'b|f afx]s cGo kl/jTo{ ljb]zL d'b|fdf
e'QmfgL ug{ rfx]df k|rlnt ljlgdo b/df ;6xL u/L e'QmfgL ug{ ;lsg]5 . t/, o;
ljefusf] :jLs[lt glnO{ lrlgofF d'b|fdf vf]lnPsf] vftfaf6 ;6xL u/L cGo d'b|fdf e'QmfgL
lbg kfOg] 5}g
-$_ cfˆgf] vftfaf6 JolQmut vftfjfnn] gub} kl/jTo{ ljb]zL d'b|f lemSg rfx]df s'6gLlts
x}l;ot k|fKt JolQmx¿nfO{ gubd} klg e'QmfgL lbg ;lsg]5 / o;/L gubdf e'QmfgL ubf{
gub gf]6x¿ kl5 hfnL -Counterfeit) 7xl/Pdf vftfjfn :jod lhDd]jf/ x'g' kg]{ zt{ /fvL
e'QmfgL ug'{ kg]{5 . cGo vftfjfnsf] xsdf ljb]z hfg' k/]sf] cj:yfdf dfq k|rlnt
Joj:yf adf]lhd gubdf o'=P;=8n/ %)).– jf ;f] a/fa/sf] /sd;Dd e'QmfgL lbg
;lsg]5 . ;f] eGbf a9Lsf] gub ;6xL lbg' k/]sf] v08df cf}lrTosf] cfwf/df ;DalGwt a}+s
tyf ljQLo ;+:yfsf] zfvf÷sfof{no k|d'vn] :jLs[lt lbPdf o:tf] ;6xL k|bfg ug{ ;lsg]5
-%_ s'g} klg vftfjfnn] ljb]zaf6 lnPsf] ;]jfsf] e'QmfgL ubf{ ;f] e'QmfgLdf k|rlnt sfg"g
adf]lhd nfUg] clu|d s/ (TDS) bflvnf u/]sf] k|df0f lng' kg]{5 .
-^_ g]kfnL gful/sx¿sf] gfddf vf]lnPsf] s'g} klg lsl;dsf] kl/jTo{ ljb]zL d'b|f vftfaf6
;DalGwt vftfjfnf / lghsf] kl/jf/sf ;b:ox¿nfO{ b]xfo adf]lhd cfjZos kg]{ kl/jTo{
ljb]zL d'b|f vr{ ug{ ;lsg]5 . ;f]eGbf a9L /sd cfjZos k/]df k|s[of k'¥ofO{ cGo
dfWodaf6 ;6xL ;'ljwf k|bfg ug'{ kg]{5 .
-s_ cf}ifwf]krf/sf] nflu hfg'k/]df jf uO{ ;s]sf] cj:yfdf /sd gk'u ePdf k|of]hg /
kl/jf/sf] ;b:o ePsf] k'li6 x'g] sfuhftsf] cfwf/df cfjZostf cg'¿ksf] vr{
-v_ ljb]zaf6 cfoft ug{ jf cfoft u/]sf] dfn ;fdfgsf] e'QmfgL ug'{ k/]df JolQmut
k|of]usf] nflu cfoft ug{ ;lsg] elg tf]lsPsf j:t'x¿, lem6Lu'06f ;'ljwf
cGt/utsf j:t'x¿ tyf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 cfoft ug{ :jLs[lt
lnOPsf dfn;fdfgx¿ k|rlnt Joj:yf adf]lhd cfoft ubf{ e'QmfgL ug'{ kg]{ /sd .
-u_ k|rlnt Joj:yf adf]lhdsf sfuhft lnO{ Psf3/ kl/jf/sf ;b:onfO{ ljb]zdf lzIff
cfh{g ug{ cfjZos z}lIfs z'Ns, lgjf{x vr{ / z}lIfs e|d0f vr{
-3_ ljb]zL ;+:yfaf6 lnOPsf] ;]jf k'li6 x'g] cfjZos sfuhftsf] cfwf/df ;DalGwt
;+:yfnfO{ e'QmfgL ug'{ kg]{ jflif{s cd]l/sL 8n/ !%,))).– -kGw| xhf/_ ;Dd jf ;f]
a/fa/ x'g] cGo kl/jTo{ ljb]zL d'b|f
-ª_ xjfO{ l6s6 jf dfn ;fdfg cfoftsf] l;nl;nfdf 9'jfgL tyf jLdf z'Ns e'QmfgLsf]
nflu cfjZos kg]{ aLn÷aLhs cflbdf plNnlvt ljb]zL d'b|f . o:tf] /sd e'QmfgL
ubf{ Account Payee 8«fkm\6÷l6=l6÷r]ssf] dfWodaf6 dfq ug'{ kg{]5
154
-r_ ljb]zL d'b|fdf cfo cfh{g u/L ljb]zL d'b|fdf vftf ePsf :jb]zL JolQm, kmd{, sDkgL
Pjd\ g]kfnL gful/sx? ljb]z e|d0fdf hf+bf cfjZos sfuhft lnO{ cfˆgf] vftfdf
ePsf] ljb]zL d'b|f k|rlnt Joj:yf adf]lhd pkof]u ug{ rfx]df ljb]zL d'b|f
df}Hbftaf6 Ps k6s jf k6s k6s u/L jif{df a9Ldf cd]l/sL 8n/ !%,))).– -kGw|
xhf/_ ;Dd ;Dd jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|fdf a}+lsË pks/0f dfkm{t
pkof]u ug{ ;lsg]5
-5_ cGt/f{li6«o ;+3–;+:yfx?df sfd u/L tnj eQf tyf k]G;gsf] ?kdf ljb]zL d'b|f
cfh{g ug]{ g]kfnL gful/sx?n] cfjZos sfuhftsf] cfwf/df g]kfnL a}+sx?df
vf]lnPsf] ljb]zL d'b|f vftfdf hDdf ePsf] kl/jTo{ ljb]zL d'b|f k|rlnt Joj:yfn] vr{
ug{ 5'6 lbPsf j:t' cfoft ug{, ko{6g / ;]jf v/Lbsf nflu Ps k6sdf cd]l/sL
8n/ !%,))).– -kGw| xhf/_ ;Dd jf k6s k6s u/L Ps jif{df hDdf cd]l/sL 8n/
@),))).– -cd]l/sL 8n/ jL; xhf/_ jf ;f] j/fj/;Ddsf] cGo kl/jTo{ ljb]zL d'b|fdf
pkof]u ug{ ;lsg]5 . t/ o:tf] ;6xL k'FhLut vr{ / nufgLsf] ?kdf ljb]zdf pkof]u
ug{ kfOg] 5}g .
-&_ j:t' tyf ;]jf lgof{t / ko{6g If]qaf6 ePsf] cfh{gaf6 kl/jTo{ ljb]zL d'b|fdf vf]lnPsf]
vftfaf6 b]xfo adf]lhd kl/jTo{ ljb]zL d'b|f vr{ ug{ ;lsg]5 .
-s_ cfk\mgf] tyf cfk\mgf] Sister Concern sf] nflu cfjZos kg]{ dfn ;fdfg k|rlnt
Joj:yf adf]lhd cfoft ug{ jf cfoft ePsf] cflwsfl/s k|df0fsf] cfwf/df e'QmfgL
ug{ . Sister Concern sf] nflu e'QmfgL ug'{ k/]df k|rlnt kl/efiff cg'¿k Sister
Concern xf] eGg] Joxf]/f k|dfl0ft x'g] sfuhft lng' kg]{5 .
-v_ lgof{t ePsf] j:t' tyf ;]jfsf] u'0f:t/, kl/df0f cflbdf km/s k/]sf] sf/0fn] ljb]zL
cfoftstf{af6 ;DalGwt a}+s ljQLo ;+:yf dfk{mt bfjL kg{ cfPdf lgof{t eO{ ;f]sf]
e'QmfgL k|fKt ePsf] k'li6 x'g] sfuhftx¿ / cflwsfl/s bfjLsf] cfwf/df k|lt
lgof{t÷sG;fOG6d]06 a9Ldf cd]l/sL 8n/ !,))).– jf bfjL /sd dWo] h'g sd x'G5
;f] /sd ;DalGwt ljb]zL cfoftstf{n] kfpg] u/L e'QmfgL ug{ ;lsg] 5 .
-u_ cfk\mgf] tyf cfk\mgf] Sister Concern sf] nflu ljb]zL ;+:yfaf6 lng] ljljw ;]jf,
cb[Zo cfoft (Invisible import) lnP÷u/]sf] k'li6 x'g] sfuhft÷aLn aLhssf]
cfwf/df dfl;s?kdf a9Ldf cd]l/sL 8n/ !%,))).– -kGw| xhf/_ jf ;f] a/fa/ x'g]
/sd ;DalGwt kIfnfO{ e'QmfgL ug{ tyf o:t} k|of]hgsf] nflu lgofds lgsfosf]
l;kmfl/;÷:jLs[lt jf o; ljefusf] :jLs[ltsf] cfwf/df ;f] ;LdfeGbf a9L /sd
e'QmfgL ug{ ;lsg]5 .
-3_ cfˆgf] tyf cfk\mgf] l;i6/ sG;g{sf] Jofkf/ Joj;fo k|a4{gsf] nflu ljb]zdf cfof]hgf
x'g] d]nf, k|bz{gL cflbdf efu lng], cGt/f{li6«o ;+3 ;+:yfdf cfa4tf x'g], ;b:otf
lng] cflb k|of]hgsf] nflu :6n a'lsË, btf{ ;b:otf, cfj4tf z'Ns ;DalGwt
;+:yfnfO{ e'QmfgL ug{ ;lsg]5 .
-ª_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 Ohfht÷:jLs[lt k|fKt u/L ljb]zdf
zfvf÷;Dks{ sfof{no÷k|bz{g sIf cflb :yfkgf u/]sf] cj:yfdf ;f]sf] k|df0fsf]
cfwf/df ljBdfg Joj:yf adf]lhd To:tf sfof{no ;~rfngsf] nflu cfjZos kg]{
/sd e'QmfgL ug{ ;lsg]5 .
-r_ o; ljefuaf6 hf/L PsLs[t kl/kqsf] O=k|f= kl/kq ;+VofM & sf] bkmf # df ;dfj]z
ePsf] Joj:yf adf]lhdsf] e|d0f vr{ k|bfg ug{ .
155
-*_ ljb]zL /fhb'tfjf; s'6gLlts lgof]ux¿n] vf]n]sf] vftfx¿af6 b]xfo adf]lhd kl/jTo{
ljb]zL d'b|fdf vr{ ug{ ;lsg]5 M
-s_ s'6gLlts ;'ljwf cGtu{t, g]kfnsf ;+3÷;+:yf cflbnfO{ cg'bfg÷;xof]usf] ¿kdf
pknJw u/fpg, g]kfn ;/sf/sf] ;DalGwt lgsfosf] :jLs[ltsf] cfwf/df / cfk\mgf]
pkof]u ;d]tsf] k|of]hgsf] nflu k|rlnt Joj:yf adf]lhd ul/g] cfoftsf] e'QmfgL
ug{
-v_ k|rlnt sfg"gn] lgif]w u/]sf] afx]ssf cGo s'g} klg k|of]hgsf] nflu ljb]zl:yt
JolQm, lgsfo cflbnfO{ e'QmfgL ug{ tyf /sdfGt/ ug{
-u_ cfkmgf kbflwsf/L÷sd{rf/Lx¿ ljb]z e|d0fdf hfFbf lgodfg';f/ pknJw u/fOg] b}lgs
tyf e|d0f vr{ nufotsf vr{sf] e'QmfgL ug{
-3_ dfly plNnlvt k|of]hgsf nflu ef/tdf ;d]t CIF d"No ;Dddf kl/jTo{ ljb]zL d'b|f
jf ef/tLo d'b|fdf e'QmfgL ug{
-(_ s'6gLlts x}l;ot k|fKt ljb]zL gful/s, u}x| cfjf;Lo g]kfnL gful/s / ljb]zL
gful/sx¿n] vf]n]sf] vftfx¿af6 b]xfo adf]lhd kl/jTo{{ ljb]zL d'b|fdf vr{ ug{ ;lsg]5 M
-s_ s'6gLlts x}l;ot k|fKt ljb]zL gful/sx¿n] s'6gLlts ;'ljwf cGt/ut k|rlnt
Joj:yf ad]flhd ug]{ cfoftsf] e'QmfgL ug{
-v_ g]kfn ;/sf/sf] ;DalGwt lgsfosf] :jLs[lt lnO{ k|rlnt Joj:yf adf]lhd cGo
cfoftsf] e'QmfgL ug{
-u_ k|rlnt sfg"gn] lgif]w u/]sf] afx]ssf cGo s'g} klg k|of]hgsf] nflu ljb]zl:yt
JolQm, lgsfo cflbnfO{ e'QmfgL÷/sdfGt/ ug{
-3_ dfly plNnlvt k|of]hgsf nflu ef/tdf ;d]t CIF d"No ;Dddf kl/jTo{ ljb]zL d'b|f
jf ef/tLo d'b|fdf e'QmfgL ug{
-!)_ cGt/f{li6«o ;+3÷;+:yf÷k|]z, ljb]zL ;+3÷;+:yf, gfkmf cfh{g ug]{ p2]Zo gePsf
cGt/f{li6«o÷ /fli6«o u}x| ;/sf/L tyf ;fdflhs ;+:yfx¿n] vf]n]sf vftfaf6 b]xfo adf]lhd
kl/jTo{ ljb]zL d'b|fdf vr{ ug{ ;lsg]5 M
-s_ cfk\mgf] pkof]u jf g]kfnl:yt ;+3 ;+:yfnfO{ cg'bfg÷;xof]usf] ¿kdf pknJw
u/fpg] k|of]hgsf] nflu / g]kfn ;/sf/sf] ;DalGwt lgsfo jf lgodgsf/L lgsfosf]
:jLs[lt÷l;kmfl/;df k|rlnt Joj:yf adf]lhd ul/g] cGo cfoftsf] e'QmfgL ug{
-v_ cfk\mgf] kbflwsf/L tyf sd{rf/Lx¿ ljb]z e|d0fdf hfFbf lgodfg';f/ pknJw u/fpg]
b}lgs tyf e|d0f nufotsf vr{sf] e'QmfgL ug{
-u_ cfk\mgf] dft[ ;+:yf÷cg'bfg ;xof]u k|bfos ;+:yf;Fu ePsf] lnlvt ;Demf}tf÷
;xdlt÷;xsfo{ cflbsf] cfwf/df g]kfn ;/sf/sf] ;DalGwt lgsfo jf lgodgsf/L
lgsfoaf6 :jLs[lt÷l;kmfl/; ePsf] sfo{s|d ;~rfngsf] nflu d'n's aflx/ tyf
d'n's leq} e'QmfgL ug{ . o:tf] sfo{qmdsf] nflu e'QmfgL ubf{ ljb]zaf6 k|ltlglwTj
ug]{ ljb]zL gful/snfO{ dfq lgh g]kfn k|j]z u/L sfo{qmddf ;xefuL ePsf] k|df0fsf]
cfwf/df b}lgs eQf nufotsf vr{ ljb]zL d'b|fdf gubdf ;d]t e'QmfgL ug]{
k|of]hgsf] nflu gub gf]6x? kl5 hfnL -Counterfeit) 7xl/Pdf vftfjfn :jo+d
lhDd]jf/ x'g' kg]{ zt{ /fvL gubdf ;d]t e'QmfgL ug{ ;lsg]5 . o:tf] ;6xL lbg]
a}+sn] e'QmfgL u/]sf] /sdsf] e/kfO{ ;lxtsf] ;DalGwt ljj/0f k]z ug{ nufpg'
kg]{5 .
-3_ dfly plNnlvt k|of]hgsf nflu ef/tdf ;d]t CIF d"No ;Dddf kl/jTo{ ljb]zL d'b|f
jf ef/tLo d'b|fdf ;d]t e'QmfgL ug{ ;lsg] 5 .
156
-!!_ o; a}+saf6 kl/jTo{ ljb]zL d'b|fsf] sf/f]jf/ ug{ Ohfhtkqk|fKt ljk|]if0f sDkgL, dlgr]Gh/,
6«fen, 6«]lsË, sfuf]{, xf]6n, Po/nfOG; tyf ;f]sf] lh=P;=P÷lk=P;=P nufot b]xfo
adf]lhdsf] cGo lgsfox¿n] vf]n]sf vftfaf6 b]xfo adf]lhd kl/jTo{ ljb]zL d'b|fdf
hDdf÷vr{ ug{ ;lsg]5 M
-s_ ljk|]if0f (Remittance) ;DaGwL sf/f]jf/ ug]{ lgsfo M
-!_ ljb]zl:yt a}+s÷ljQLo ;+:yfx¿af6 o:tf lgsfosf] gfddf k|fKt x'g] /sd dfq
vftfdf hDdf ug{ ;lsg]5 .
-@_ vftfdf hDdf ePsf] kl/jTo{ ljb]zL d'b|f hDdf ePsf] ldltn] !% lbg;Dd dfq
ljb]zL d'b|fdf /fVg ;lsg]5 . ;f] cjlw gf3]kl5 a}+s÷ljQLo ;+:yfn] clgjfo{
¿kdf g]kfnL ¿k}ofsf] vftfdf /sdfGt/ ug'{ kg]{5 .
-#_ kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] sld;g afktsf] /sd cfh{g k|dfl0ft x'g]
sfuhftsf] cfwf/df a]Un} vftf vf]nL hlt cjlw;Dd klg /fVg ;lsg]5 .
-$_ vftfdf /x]sf] ljb]zL d'b|f df}Hbft o; a}+]+}+s jf o; a}+saf6 ljb]zL d'b|fdf
sf/f]jf/ ug]{ Ohfhtkqk|fKt s'g} klg a}+s÷ljQLo ;+:yf jf ljB't vl/b (Power
Purchase) sf] nflu g]kfn ljB't k|flws/0fnfO{ ljqmL ug{ ;lsg]5 .
-%_ sld;g afktsf] cfh{g /sdaf6 vf]n]sf] ljb]zL d'b|f vftfaf6 cfˆgf] k|of]hgsf]
nflu k|rlnt Joj:yf adf]lhd ul/g] cfoftsf] e'QmfgL, cd]l/sL 8n/ !%,))).–
-kGw| xhf/_ jf ;f] a/fa/;Dd ljb]zL ;+:yf;Fu lnPsf] ;]jfsf] e'QmfgL, cfˆgf
kbflwsf/L tyf sd{rf/Lx¿ ljb]z e|d0fdf hfFbf lgodfg';f/ pknJw u/fpg]
b}lgs tyf e|d0f nufotsf vr{sf] e'QmfgL ug{ ;lsg]5 .
-^_ ef/tdf sfo{/t g]kfnLx¿sf] cfh{gnfO{ ef/tLo ¿k}ofFdf g]kfn leq\ofpg]
sfo{df ;+nUg ljk|]if0f sf/f]jf/ ug]{ lgsfon] b]xfosf zt{x¿ cGt/ut /xL
ef/tLo ¿k}+ofFdf ;d]t vftf vf]Ng ;Sg]5g\ M
-c_ h'g a}+s ljQLo ;+:yf dfk{mt /sd k|fKt ePsf] xf] ;f]xL a}+s ljQLo ;+:yfdf
vftf vf]Ng' kg]{5 .
-cf_ ef/tLo ¿k}+ofFdf k|fKt x'g] /]ld6fG; / ;f] afktsf] sld;g /sd dfq
hDdf ug{ ;lsg]5
-O_ o:tf] vftfdf /x]sf] df}Hbft o; a}+s tyf o; a}+saf6 Ohfhtkqk|fKt
a}+s÷ ljQLo ;+:yfnfO{ ljqmL ug{ ;lsg]5 .
-O{_ o:tf] vftfdf hDdf ePsf] ef/tLo ?k}ofF hDdf ePsf] ldltn] & -;ft_
sfo{ lbg;Dd dfq vftfdf /fVg kfOg]5 . ;f] cjlw gf3]kl5 a}+s÷ljQLo
;+:yfn] clgjfo{ ¿kdf g]kfnL ¿k}+ofFdf /sdfGt/ ug'{ kg]{5 .
-p_ ef/tLo ¿k}+ofFsf] ljlgdo b/sf] yk36af6 o:tf] vftfdf x'g] nfexfgLsf]
ldnfg o; a}+saf6 lgwf{/0f u/] adf]lhd x'g]5 .
-v_ dlgr]Gh/ (Money Changer) sf/f]jf/ ug]{ kmd{÷sDkgL M
-!_ dlgr]Gh/÷kmd{÷sDkgL cfk}mn] vl/b u/]sf] kl/jTo{ ljb]zL d'b|f dfq To:tf]
kmd{÷sDkgLn] vf]n]sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{ ;lsg]5 .
-@_ vftfdf /x]sf] ljb]zL d'b|f df}Hbft o; a}+s tyf o; a}+saf6 ljb]zL d'b|fsf]
sf/f]jf/ ug{ Ohfhtkqk|fKt g]kfnl:yt a}+s÷ljQLo ;+:yfnfO{ ljqmL ug{
;lsg]5 .
-#_ k|rlnt Joj:yf adf]lhd g]kfnL gful/snfO{ /fxbfgL ;'ljwf afktsf] ljb]zL
d'b|f ljqmL ug{ ;d]t Ohfhtkqk|fKt u/]sf dlgr]Gh/ kmd{÷sDkgLn] ;f]
157
k|of]hgsf] nflu tf]lsPsf] /sd cfk\mgf] vftfaf6 gubd} ljb]zL d'b|f lemSg
rfx]df ljb]zL d'b|f ljqmL u/]sf] ljj/0f -g]kfnL gful/ssf] gfd, /fxbfL gDa/ /
;6xL lnPsf] kl/jTo{ ljb]zL d'b|fsf] lsl;d / /sd b]lvg] u/L_ kl5 k]z ug'{ kg]{
zt{df ;DalGwt a}+s÷ljQLo ;+:yfn] pknJw eP;Dd kl/jTo{ ljb]zL d'b|f
gubdf pknJw u/fpg ;Sg]5g\ . o;/L kl/jTo{ ljb]zL d'b|f pknJw u/fpFbf
cl3Nnf] k6s pknJw u/fPsf] ljb]zL d'b|f ljqmLsf] ljj/0f pknJw gu/fpg]
dlgr]Gh/nfO{ yk /sd pknJw u/fpg kfOg] 5}g .
-u_ 6«fen, 6«]lsË, sfuf]{, s'l/o/, xf]6n, Po/nfOG; tyf ;f]sf] lh=P;=P÷lk=P;=P / cGo
lgsfox¿ M
-!_ cfk\mgf] lk|lG;kn jf lh=P;=P÷lk=P;=P nfO{ l/Kofl6«Pzg ug'{ kg]{ u/L ljb]zL
d'b|fdf ljqmL u/]sf] ;]jf /sdaf6 a]Un} l/Kofl6«Pzg vftf vf]Ng' kg]{5 . o:tf]
vftfdf ;]jf ljqmL afkt kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] sld;g /sd ;d]t
cfh{g k|dfl0ft x'g] sfuhftsf] cfwf/df hDdf ug{ ;lsg]5 .
-@_ ;]jf ljqmL afkt kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] sld;g afktsf] /sd cfh{g
k|dfl0ft x'g] sfuhftsf] cfwf/df a]Un} kl/jTo{ ljb]zL d'b|f vftfdf ;d]t /fVg
;lsg]5 .
-#_ kl/jTo{ ljb]zL d'b|fdf l/Kofl6«Pzg ug'{ kg]{ /sd l/Kofl6«Pzg vftfaf6} vr{ ug'{
kg]{5 .
-$_ l/Kofl6«Pzg vftfaf6 l/Kofl6«Pzg u/L afFsL /x]sf] ljb]zL d'b|f ljBdfg Joj:yf
adf]lhd e|d0f vr{ pknJw u/fpg] k|rlnt Joj:yf adf]lhd cfk\mgf] pkof]usf]
nflu ul/g] cfoftsf] e'QmfgL ug]{ tyf cd]l/sL 8n/ !%,))).– -kGw| xhf/_ jf
;f] a/fa/;Ddsf] ;]jf lnP afkt ljb]zL ;+:yfnfO{ e'QmfgL ug{ k|of]hgsf] nflu
vr{ ug{ ;lsg]5 .
-3_ j}b]lzs /f]huf/df k7fpg] j}b]lzs /f]huf/ Joj;foL kmd{÷sDkgL÷;+:yf M
-!_ g]kfn j}b]lzs /f]huf/ ;+3sf] l;kmfl/;df j}b]lzs /f]huf/ Joj;foL kmd{÷
sDkgL÷;+:yfx?n] o; a}+saf6 Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+sx¿df
kl/jTo{ ljb]zL d'b|fdf vftf vf]Ng ;Sg]5g\ .
-@_ j}b]lzs /f]huf/ Joj;foL kmd{÷sDkgL÷;+:yfx?n] ljb]zl:yt Ph]G6x?af6
ljb]zL d'b|fdf k|fKt ug]{ ;Dk"0f{ sld;g, z'Ns cflb a}+lsË k|0ffnL dfk{mt cfˆgf]
ljb]zL d'b|fsf] vftfdf hDdf ug{ ;Sg]5g\ .
-#_ j}b]lzs /f]huf/ Joj;foL kmd{÷sDkgL÷;+:yfx?n] ljb]zdf e'QmfgL ug'{kg]{
sld;g, Ph]G;L z'Ns, l/;f]l;{Ë z'Ns cflb aLn e/kfO{÷OGEjfO{;sf] cfwf/df
;6xL u/L Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+sx¿ dfkm{t e'QmfgL k7fpg
;Sg]5g\ .
-$_ jflif{s !)) -Ps;o_ ;Dd sfdbf/ k7fpg] j}b]lzs /f]huf/ Joj;foL
kmd{÷sDkgL÷;+:yfx?sf] Jofkf/ k|j4{g vr{, dgf]/Ghg vr{ afkt Joj;foLx?
j}b]lzs e|d0fdf hfFbf lgj]bgsf] cfwf/df cfˆgf] ljb]zL d'b|f vftfaf6 a}+s tyf
ljQLo ;+:yfx?n] jif{df Ps k6s jf k6s k6s u/L a9Ldf cd]l/sL 8n/
!%,))).– -kGw| xhf/_ ;Dd ;6xL ;'ljwf lbg ;lsg]5 . of] ;'ljwf jif{df !))
hgf eGbf a9L sfdbf/ k7fpg] j}b]lzs /f]huf/ sDkgLx?sf] xsdf eg] jif{df
Ps k6s jf k6s k6s u/L a9Ldf cd]l/sL 8n/ @),)))÷– ;Ddsf] ;6xL
;'ljwf lbg ;lsg]5 .
158
-%_ Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+sx¿n] o;/L ;6xL lbPsf] ljj/0f
q}dfl;s ?kdf qodf; ;dfKt ePsf] & lbgleq o; ljefunfO{ pknJw u/fpg'
kg]{5
-!@_ k"FhLut k|s[ltsf] sf/f]jf/af6 k|fKt x'g] kl/jTo{ ljb]zL d'b|faf6 ljb]zL d'b|fdf vftf vf]Ng /
eO/x]sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{' k"j{ o; a}+ssf] :jLs[lt lng'kg]{5 .
-!#_ o; kl/kqsf] ljleGg bkmfdf pNn]v eP cg';f/ kl/jTo{ ljb]zL d'b|fdf vr{÷e'QmfgL ug{
;lsg] ;Ldf / k|of]hg afx]s cGo k|of]hg jf tf]lsPsf] ;LdfeGbf a9L kl/jTo{ ljb]zL
d'b|fdf vr{÷e'QmfgL ug'{ k/]df clgjfo{ ¿kdf o; ljefusf] :jLs[lt lng' kg]{5 .
@= ljb]zdf ljb]zL d'b|fsf] vftf vf]Ng] / ;~rfng ug]{ ;DaGwL Joj:yf
Ohfhtkqk|fKt u/]sf a}+s tyf ljQLo ;+:yf nufot k|rlnt sfg"g adf]lhd :yflkt kmd{, sDkgL,
;+ul7t ;+3, ;+:yf, lgsfo / g]kfnL gful/sx¿nfO{ ljb]zl:yt a}+sdf vftf vf]Ng' k"j{ o; a}+saf6
b]xfo adf]lhd :jLs[lt lnO{ vftf vf]Ng ;lsg] Joj:yf ul/Psf] 5 .
-s_ a}+s tyf ljQLo ;+:yfn] vf]Ng ;Sg] Ph]G;L (Nostro) vftf ;DaGwL Joj:yf M
ljb]zL ljlgdosf] sf/f]jf/ ug{ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿nfO{ b]xfosf zt{
tyf sfuhftsf] cfwf/df ljb]zL ljlgdo nufotsf a}+lsË sf/f]jf/ ug]{ k|of]hgsf nflu
ljb]z l:yt a}+sx¿df Ph]G;L vftf (Nostro Account) vf]Ng :jLs[lt k|bfg ug{ ;lsg]5 M
-!_ a}+s tyf ljQLo ;+:yfx¿n] cfjZostf cg';f/sf] kl/jTo{ ljb]zL d'b|fdf Ph]G;L
vftf (Nostro Account) vf]Ng ;Sg]5g\ . o:tf] vftf vf]Ng rfxg] a}+s tyf ljQLo
;+:yfn] vftf vf]Ng rfx]sf] ljb]zL d'b|f, ljb]zl:yt a}+s tyf ljQLo ;+:yfsf] gfd,
7]ufgf / q]ml86 /]l6Ë pNn]v u/L o; ljefudf lgj]bg k]z ug'{ kg]{5
-@_ vftf vf]Ng] :jLs[lt cg'¿k Ph]G;L vftf vf]n]sf] hfgsf/L o; ljefunfO{ clgjfo{
¿kdf u/fpg' kg]{5
-#_ o:tf] vftf cfjZos gePdf a}+s ljQLo ;+:yf cfk}mn] aGb ug{ ;Sg]5g\ . o;/L
aGb ul/Psf] vftfsf] clGtd sf/f]jf/ b]lvg] :6]6d]06 tyf lx;fa ldnfg
(Reconciliation) ljj/0f ;d]t ;+nUg u/L aGb ul/Psf] hfgsf/L o; ljefunfO{
u/fpg' kg]{5
-$_ cfˆgf] Ph]G;L vftfdf df}Hbft /x]sf /sdnfO{ ljleGg d'b|fx¿df cfjZostf
cg'¿k d'b|fut ¿kdf x]/k]m/ ug{ ;lsg]5 . t/, kl/jTo{ ljb]zL d'b|f ljqmL u/L
ef/tLo ¿k}ofF vl/b ug{ kfOg] 5}g
-%_ ef/tLo ¿k}ofFsf Ph]G;L vftfdf cfjZostfeGbf a9L df}Hbft /fVg kfOg] 5}g /
To:tf] ef=?= df}Hbft rNtL vftfdf dfq /fVg kfOg]5
-^_ rNtL vftfaf6 ljb]zL d'b|f sf/f]jf/ ubf{ u|fxs / a}+s÷ljQLo ;+:yf aLr / cGt/
a}+s÷ljQLo ;+:yf aLr klg sf/f]jf/ ug{ ;lsg]5 .
-&_ Ph]G;L df}Hbftaf6 vr{ ubf{ k|rlnt Joj:yf cg';f/ ug'{ kg]{5 . sf/f]jf/ ubf{
nfUg] sld;g, kf]i6]h, tf/, l6s6, 6]n]S;, sn]S;g b:t'/ cflb nufot Ph]G;L
sf/f]jf/ u/] afkt nfUg] cGo e}k/L cfpg] b:t'/ tyf z'Ns afx]ssf cGo e'QmfgL
o:tf] vftfaf6 ug'{ k/]df o; a}+ssf] k"j{ :jLs[lt lng' kg]{5 .
-*_ ljb]zl:yt cfˆgf] Ph]G;L vftfdf hDdf eO{;s]sf] t/ ;DalGwt nfeu|fxL
(Beneficiary) sf] vftfdf hDdf eOg;s]sf] jf e'QmfgL eOg;s]sf] ljb]zL d'b|f
/sdx¿ lkmtf{ (Refund) sf] nflu ;DalGwt a}+saf6 cflwsfl/s cg'/f]w ePdf
Ph]G;L vftfdf hDdf ePsf] & lbgleq ;Dd dfq lkmtf{ ug{ ;lsg]5 . o;/L lkmtf{
159
ul/Psf] ljb]zL d'b|fsf] k]mxl/:t dfl;s ¿kdf dlxgf Joltt ePsf] !% lbgleq
o; ljefudf k7fpg' kg]{5 .
-(_ Ph]G;L sf/f]jf/sf] qmddf x'g] ;fdfGo cj:yfsf] cf]e/8«g (Overdrawn) afx]s o;
a}+ssf] :jLs[lt a]u/ ljb]zl:yt Ph]G;L a}+sx¿af6 s'g} lsl;dsf] C0f ;'ljwf tyf
clwljsif{ (Overdraft) lng kfOg] 5}g .
-!)_ a}+s÷ljQLo ;+:yfx¿n] cfk\mgf] k|To]s Ph]G;L vftfsf] lx;fj ldnfg ljj/0f
(Reconciliation Statement) cw{jflif{s tyf jflif{s lx;fj ldnfg (Closing)
;lsPsf] ! dlxgf leq o; ljefudf k7fpg' kg]{5 .
-!!_ a}+s tyf ljQLo ;+:yfx?n] ljb]zl:yt a}+s tyf ljQLo ;+:yfdf vftf vf]ln @)&$
cfiff9 d;fGt;Dd ;~rfngdf /x]sf Ph]G;L vftfx?sf] ljb]zL d'b|f, Ph]G;Lsf]
gfd, 7]ufgf / qm]l86 /]l6ª ;d]t b]lvg] ljj/0f / tL vftfx?sf] gljgtd lx;fj
ldnfg ljj/0f o; ljefudf k]z ug{'kg]{5 .
-v_ kmd{, sDkgL / ;+ul7t ;+3 ;+:yfn] vf]Ng ;Sg] vftf ;DaGwL Joj:yf M
g]kfndf btf{ ePsf lgDg adf]lhdsf sDkgL, ;+ul7t ;+:yf jf kmd{nfO{ b]xfosf zt{ /
sfuhftsf cfwf/df ljb]zdf vftf vf]Ng :jLs[lt k|bfg ug{ ;lsg]5 M
-!_ ljb]zL d'b|fdf /]ld6\ofG; leq\ofpg] sfo{sf] nflu o; a}+saf6 Ohfhtkqk|fKt kmd{,
sDkgL / ;+ul7t ;+3 ;+:yf M o:tf lgsfon] vftf vf]Ng :jLs[lt dfu ubf{ vftf
vf]Ng rfx]sf] a}+ssf] q]ml86 /]l6Ë ;d]t pNn]v ug'{ kg]{5 . o:tf] vftf vf]Ng
:jLs[lt k|bfg ubf{ ljb]zL d'b|f hDdf ug]{ / ;f] /sd g]kfnl:yt a}+s ljQLo
;+:yfdf /sdfGt/ ug]{ k|of]hgsf] nflu dfq :jLs[lt lbg ;lsg]5 .
-@_ ljb]zdf zfvf÷;Dks{ sfof{no vf]Ng ljlwjt :jLs[lt kfPsf jf cfk\mgf]
;]jf÷pTkfbg ljb]zdf ljqmL ug]{ p2]Zon] :yfkgf ePsf lgsfo M o:tf lgsfon]
cfk\mgf] ljb]zl:yt sfof{nosf] sfo{ ;~rfngsf] nflu k|rlnt Joj:yf adf]lhd
vr{ ug{ ;Sg] ;Ldf;Ddsf] /sd vr{ u/L afFsL /x]sf] ljb]zL d'b|f k|To]s #÷#
dlxgfdf a}lsË k|0ffnL dfk{mt\ g]kfn leq\ofO{ ;f]sf] a}+s :6]6d]06 ;lxt o;
ljefunfO{ hfgsf/L u/fpg' kg]{5 .
-#_ cfk\mgf] ;]jf÷pTkfbg ljqmL ug]{ p2]Zon] ljb]zdf cfof]hgf x'g] k|bz{gLdf ;xefuL
x'g o:tf] vftf vf]Ng :jLs[lt kfPsf pBf]u÷Joj;fo M o:tf lgsfon] cfk\mgf]
;]jf÷pTkfbg ljqmL u/L k|fKt ePsf] ljb]zL d'b|f pQm vftfdf hDdf u/L k|bz{gL
cjlwdf ePsf] vr{ s6fO{ afFsL x'g] /sd g]kfn kmls{Psf] #) lbgleq a}lsË
k|0ffnL dfk{mt g]kfn leq\ofO{ a}+s :6]6d]06 ;lxtsf] kmfF6jf/L o; ljefudf k]z
ug'{ kg]{5 .
-$_ dfly v08 -!_ b]lv -#_ ;Dd pNn]v ul/Psf k|of]hgsf] nflu vftf vf]Ng rfxg]
sDkgL, ;+ul7t ;+:yf jf kmd{n] cfk\mgf] btf{÷sf/f]jf/ cg'dlt, cfos/ btf{sf]
k|df0fkq, k|aGwkq tyf lgodfjnL, s/ r'Qmf nufotsf sfuhftsf] k|dfl0ft
k|ltlnlk / ljb]zdf vftf vf]Ng] ;DaGwdf ;~rfns ;ldlt jf clVtof/k|fKt
clwsf/Laf6 ePsf] lg0f{osf] k|ltlnlk ;+nUg u/L vftf vf]Ng rfx]sf] a}+ssf] gfd /
k"/f 7]ufgf pNn]v u/L vftf vf]Ng' kg]{ cfjZostf / k|of]hg;d]t v'nfO{ lgj]bg
k]z ug'{ kg]{5 .
-%_ Ph]G;L vftfsf] lx;fa ldnfg ljj/0f (Reconciliation Statement) cw{jflif{s
¿kdf cw{jflif{s Joltt ePsf] #% lbgleq a}+s :6]6d]06 ;lxt o; ljefudf k]z
ug'{ kg]{5 .
160
-^_ o:tf] vftfdf /x]sf] /sd sfof{no ;~rfngsf] nflu cfjZos kg]{ afx]s cGo
k|of]hgsf] nflu vr{ ug'{ k/]df sf/0f / k|of]hg k'li6 x'g] sfuhft ;lxt o;
ljefusf] k"j{ l:js[lt lng' kg]{5 .
-&_ /]ld6fG; sDkgLsf] xsdf k|rlnt Joj:yf adf]lhd x'g] u/L / cGo kmd{ sDkgL
tyf ;+ul7t ;+:yfsf] xsdf g]kfndf /sdfGt/ ePsf] /sd g]kfnl:yt a}+s tyf
ljQLo ;+:yfdf ljb]zL d'b|fd} vftf vf]nL /fVg ;d]t ;lsg]5 .
u_ g]kfnL gful/sn] vf]Ng ;Sg] vftf ;DaGwL Joj:yf M
g]kfnL gful/sx¿n] b]xfosf] cj:yfdf dfq ljb]zl:yt a}+sdf vftf vf]Ng ;Sg]5g\ M–
-!_ ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( df ePsf] Joj:yf adf]lhd ljb]zl:yt
a}+sdf g]kfnL gful/sn] ljb]zdf /xFbfa:bfsf] cjlw;Dd cfh{g u/]sf] ljb]zL
ljlgdo jf ;f] ljb]zL ljlgdoaf6 u/]sf] nufgL g]kfndf kmls{;s]kl5 #% lbgleq
:jb]z kmsf{pg] u/L vftf vf]Ng÷;~rfng ug{ ;Sg]5g\
-@_ g]kfn kms]{kl5 o:tf] vftf jf nufgL sfod} /fVg rfx]df ;f] vftf jf nufgL /x]sf]
a}+ssf] gfd, 7]ufgf, vftf gDj/, ljb]zL d'b|f tyf /sd v'nfO{ ;f]sf] hfgsf/L o;
ljefunfO{ #% lbgleq lbg' kg]{5 .
-#_ dfly v08 -!_ / -@_ df plNnlvt cj:yfdf afx]s g]kfndf a;f]af; ul//x]sf
g]kfnL gful/sx¿sf] gfddf o; a}+ssf] :jLs[ltdf afx]s ljb]zdf vftf vf]Ng /
;~rfng ug{ kfOg] 5}g .
-$_ ljb]zdf vftfdf /x]sf] ljb]zL d'b|f jf nufgL /sd o; a}+sn] cfjZostf k/]sf]
h'g;'s} avt k|rlnt ljlgdob/df bflvnf ug{ jf u/fpg nufPdf t'?Gt bflvnf
ug'{ u/fpg' kg]{5 .
-%_ cf}krfl/s Pjd\ cgf}krfl/s ¿kdf ljljw lsl;dsf cNksfnLg, bL3{sfnLg e|d0f
÷cjnf]sg÷cWoog÷cWofkg nufotsf sfdsf nflu ljb]z hfg] g]kfnL
gful/sx¿n] cfk"m ljb]zdf /x]sf] jvt ljb]zdf /xg] cjlw;Ddsf] nflu
ljb]zl:yt a}+sdf vftf vf]Ng ;Sg]5g\ . t/, o:tf] vftfdf /x]sf] ljb]zL d'b|f /sd
ljb]zdf cfh{g gu/L ;6xL ;'ljwfaf6 k|fKt ePsf] cj:yfdf cfk\mgf] sfd ;lsO{
g]kfn kmls{Psf] #) lbg leq a}lsË k|0ffnL dfk{mt g]kfn leq\ofpg' kg]{5 . o;/L
leq\ofPsf] /sd g]kfnleqsf Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfdf ljb]zL
d'b|fd} vftf vf]nL /fVg ;d]t ;lsg]5 .
-3_ u}x| a}+lsË lgsfox¿df vftf vf]Ng] ;DaGwdf .
k|rlnt Joj:yfx¿ cGtu{t /xL E-Commerce tyf E-Payment sf] e'QmfgL k|of]hgsf
nflu Ohfhtk|fKt a}+s÷ljQLo ;+:yfx¿n] ljb]zl:yt u}x| a}+lsË lgsfox¿df vftf vf]Ng
rfx]df To:tf] vftf o; a}+ssf] cg'dlt lnO{ vf]Ng ;lsg] 5 .
161
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M!(÷@)&$
jf0fLHo a}+sx?n] k|jfx ug{ ;Sg] kl/jTo{
ljb]zL d'b|fsf] C0f ;DaGwL Joj:yf
b]xfo adf]lhdsf pBf]ux?nfO{ b]xfosf zt{x?sf] cwLgdf /xL :jb]zsf jfl0fHo a}+sx?af6 kl/jTo{ ljb]zL
d'b|fdf C0f k|bfg ug{ ;lsg] Joj:yf /x]sf]n] ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{
P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] /fi6« a}+s a}+lsË sfof{no nufot cGo
sfof{nox? / Ohfhtkqk|fKt æsÆ ju{sf a}+s tyf /fli6«o :t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq
hf/L ul/Psf] 5 .
!= cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx¿nfO{ sRrf kbfy{ cfoft ug{] cNksfnLg C0f M
-s_ lgof{t If]qdf nfu]sf cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx¿nfO{ sRrf kbfy{ cfoft ug{ lgDg
zt{x¿sf] cwLgdf /xL kl/jTo{ ljb]zL d'b|fdf cNksfnLg C0f k|bfg ug{ ;lsg]5 M
-!_ o:tf] C0f k|bfg ubf{ ;DalGwt lgof{t pBf]unfO{ cfjZos x'g] sRrf kbfy{sf]
cfoftsf nflu vf]lnPsf] k|tLtkqsf] cfwf/df dfq k|bfg ug'{kg]{ 5
-@_ o:tf] C0f k|bfg ubf{ lgof{t eO{ e'QmfgL cfpg afFsL /x]sf] lgof{t k|tLtkqn] vfDg]
/sd;Dd dfq k|bfg ug'{kg]{ 5 .
-#_ o;/L k|fKt C0fsf] ;fFjf, Jofh ;DalGwt pBf]un] cfˆgf] lgof{t cfh{gaf6 k|fKt x'g]
kl/jTo{ ljb]zL d'b|faf6} e'Qmfg ug'{kg]{ 5 .
-$_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt a}+s :jod\n] tf]Sg ;Sg] 5 .
-@_ kl/jTo{ ljb]zL d'b|f cfh{g ug]{ ko{6g / lgof{t pBf]ux¿nfO{ kl/jTo{ ljb]zL d'b|fdf lgDg zt{sf]
clwgdf /xL C0f k|bfg ug{ ;lsg]5 M
-s_ of] ;'ljwf ;DalGwt ko{6g / lgof{t pBf]ux¿sf] nflu cfjZos x'g] cfoftsf] e'QmfgLsf] nflu
dfq k|of]u ug{ kfOg] 5 .
-v_ o:tf] C0f /sdsf] ;fFjf÷Jofh ;DalGwt pBf]un] cfk"m;Fu /x]sf] kl/jTo{ ljb]zL d'b|f dWo]af6
e'QmfgL ug'{kg]{ 5 .
-u_ o; k|of]hgsf] nflu a}+sx¿n] ljb]zL a}+saf6 s'g} lsl;dsf] C0f ;'ljwf lng kfpg] 5}g . t/,
o; k|of]hgsf nflu a}+sx¿nfO{ ljb]zL d'b|f cfjZos k/]sf] v08df o; a}+sn] k|rlnt
ljlgdo b/df cfjZos ljb]zL d'b|f ljqmL ug]{5 .
-#_ un}+rf pBf]usf] nflu pg cfoft ug{ kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug]{ ;DaGwL Joj:yf M
un}+rf pBf]un] vkt ug]{ pmg dfq cfoft ug]{ p2]Zon] vf]lnPsf sDkgLx¿n] æJofkf/ tyf lgof{t
k|j4{g s]Gb|Æ sf] l;kmf/L;df k|tLtkqdfkm{t sRrf pmg cfoft ubf{ b]xfodf plNnlvt zt{x¿sf]
cwLgdf /xL kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug{ ;lsg]5 M
-s_ of] ;'ljwf clwstd ^ dlxgfsf] nflu dfq x'g]5 .
-v_ C0fsf] Jofhb/ ;DalGwt a}+s :jod\n] lgwf{/0f ug'{kg]{5 .
-u_ of] ;'ljwf cGtu{t lnPsf C0fsf] lx;fj lstfj ljb]zL d'b|fdf g} /fVg'kg]{5 .
-3_ C0fsf] ;fFjf÷Jofh r'Qmf ubf{ k|rlnt ljlgdo b/ cg';f/ g]kfnL ¿k}ofFdf e'QmfgL ug'{kg]{5 .
162
-$_ kl/jTo{ ljb]zL d'b|fdf k|bfg ug{ ;lsg] cNksfnLg shf{÷cf]e/8«fˆ6 ;'ljwf ;DaGwL Joj:yf M
6«fen, 6'/, l6s]l6Ë, Po/nfOG; / sfuf]{ nufotsf Ph]G;Lx¿nfO{ b]xfosf zt{x?sf] clwgdf /xL
kl/jTo{ ljb]zL d'b|fdf cNksfnLg C0f / cf]e/8«fkm\6 k|bfg ug{ ;lsg]5 M
-s_ o:tf] C0f÷cf]e/8«fkm\6 ;'ljwf ;+:yfut u|fxsx¿nfO{ ljb]zL d'b|fdf pwf/f] l6s6÷sfuf]{ ljqmL
ug]{ 6«fen, 6'/ l6s]l6Ë, Po/nfOG; / sfuf]{ nufotsf Ph]G;Lx?nfO{ ljb]zL jfo';]jf sDkgL jf
;f]sf] lh=P;=P÷lk=P;=P jf cGo ;+oGq dfk{mt l6s6÷sfuf]{ ljqmLsf] Repatriation ug]{
k|of]hgsf nflu dfq pknJw u/fpg ;lsg]5 . k|of]hg cg'?k C0f ;'ljwf pkof]u eP
gePsf] Joxf]/f ;DalGwt a}+sn] g} osLg ug'{ kg]{5 .
-v_ o:tf] C0f ;'ljwf a9Ldf # -tLg_ dlxgf cjlw;Ddsf] nflu dfq k|bfg ug{ ;lsg]5 .
-u_ pwf/f] ljqmL eO{ c;'n x'g afFsL kl/jTo{ ljb]zL d'b|fsf] ;Ldfleq /xL shf{ k|bfg ug'{ kg]{5 .
-3_ shf{df lng] Jofh b/ a}+s cfk}mn] tf]Sg ;Sg]5 .
-ª_ ;fFjf Jofhsf] e'QmfgL ;DalGwt 6«fen, 6'/ l6s]l6Ë Ph]G;Ln] cfkmgf] ljqmL÷cfh{g ePsf]
kl/jTo{ ljb]zL d'b|faf6} ug'{ kg]{5 .
-r_ o; k|of]hgsf] nflu a}+sx¿n] ljb]zL a}+s ljQLo ;+:yfaf6 s'g} lsl;dsf] C0f÷;'ljwf lng
kfOg] 5}g .
-5_ o:tf] shf{sf] cfwf/df o; a}+saf6 k'g/shf{ ;'ljwf pknJw gx'g] / ljb]zL ljlgdo nufotsf]
s'g} klg cfly{s bfloTj o; a}+sdf /xg] 5}g .
-h_ shf{ k|bfg u/]sf] / c;"n x'g afFsL /x]sf] ;fFjf Jofhsf] u|fxs cg';f/sf] dfl;s ljj/0f
dlxgf ;dfKt ePsf] !% lbgleq o; ljefudf k7fpg' kg]{5 .
-%_ hnljB't pTkfbg tyf k|;f/0f;Fu ;DalGwt cfof]hgf÷kl/of]hgfsf nflu kl/jTo{ ljb]zL d'b|fdf C0f
k|bfg ug]{ ;DaGwL Joj:yf M
-s_ !)) lsnf]jf6 b]lv !))) lsnf]jf6;Dd ljB't zlQm pTkfbg u/L ljqmL ljt/0f ug]{ lghL
If]qsf pBf]u tyf cfˆg} k|of]hgsf nflu ljB't pTkfbg u/L vkt ug]{ pBf]ux¿nfO{ lgDg
zt{x¿sf] cwLgdf /xL kl/jTo{ ljb]zL d'b|fdf cNk jf dWodsfnLg C0f k|bfg ug{ ;lsg]5 M
-!_ ;fgf] :s]ndf ljB't pTkfbg u/L ljqmL ljt/0f ug{ jf s'g} pBf]un] cfˆg} k|of]hgsf
nflu ljB't pTkfbg ug{sf lgldQ kl/jTo{ ljb]zL d'b|fdf nufgL ug'{kg]{ ePdf dfq
o:tf] C0f k|bfg ug{ ;lsg]5
-@_ o;/L k|bfg ul/g] C0f ljB't pTkfbg ;DaGwL pks/0fx¿sf] cfoft e'QmfgL ug]{
k|of]hgsf nflu dfq pkof]u ug'{kg]{5
-#_ o:tf] C0f ;'ljwf pknJw u/fpFbf ljB't pTkfbgsf pks/0fx¿ cfoft ug{ vf]lnPsf
k|tLtkqsf] cfwf/df dfq ug'{kg]{5
-$_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt a}+sn] :jod\ tf]Sg ;Sg]5
-%_ cfˆgf] pBf]usf] cfjZostf afx]s ljB't pTkfbg u/L ljqmL ljt/0f ug]{ ;fgf :s]nsf
pBf]ux¿sf] xsdf eg] o; k|sf/sf] C0f ;'ljwf k|bfg ubf{ o; a}+ssf] k"j{ :jLs[lt
lng'kg]{5
-v_ hnljB't pTkfbg tyf k|;f/0f;Fu ;DalGwt cfof]hgf÷kl/of]hgf Pjd\ hnljB't pTkfbg u/L
vkt ug]{ / cfk"mnfO{ a9L ePsf] pmhf{ ljqmL ljt/0f ug]{ kmd{÷sDkgL÷pBf]u÷Joj;fox?nfO{
b]xfosf zt{x?sf] cwLgdf /xL o:tf] C0f kl/jTo{ ljb]zL d'b|fdf cfjZostf cg'?k
cNksfnLg÷ dWosfnLg÷bL3{sfnLg C0f k|bfg ug{ ;lsg]5 M
-!_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 ljB't pTkfbgsf] nflu cg'dlt k|fKt u/L ljB't
vl/b ;Demf}tf (Power Purchase Agreement) u/]sf jf cfk}m ljqmL ljt/0f ug{ :jLs[lt
163
k|fKt u/]sf cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]u÷Joj;fox?nfO{ dfq o:tf] C0f
k|bfg ug{ ;lsg]5 .
-@_ hnljB't k|;f/0f tyf ljt/0f ug]{ cfof]hgf÷kl/of]hgfsf] xsdf g]kfn ;/sf/sf]
;DalGwt lgsfoaf6 ljB't k|;f/0f tyf lat/0fsf] nflu cg'dlt k|fKt u/]sf] x'g'kg]{ 5 .
-#_ ljB't pTkfbg tyf k|;f/0fsf] nflu cfjZos kg]{ d]lzg/L, pks/0f / ;/–;fdfg
cfoft ug{ Pjd\ ljb]zL kIf;Fu k/fdz{, ;]jf, k|fljlws ;]jf jf cGo ;]jf lnP afkt
e'QmfgL ug'{ kg]{ ljb]zL d'b|fsf] nflu dfq C0f k|bfg ug'{ kg]{5 .
-$_ k|rlnt dfWodaf6 x'g] cfoftsf] e'QmfgL / ljb]zL kIf;Fu k/fdz{ ;]jf, k|fljlws ;]jf
jf cGo ;]jf lng] k|of]hgsf] nflu b'O{ kIf aLr ePsf] ;+emf}tf jf cGo cflwsfl/s
lnvtsf] cfwf/df ;]jf jf j:t' k|fKt x'g] ;'lglZrttf k|dfl0ft x'g] sfuhftx? lnP/
dfq C0f k|bfg ug'{ kg]{5 .
-%_ ljB't pTkfbg tyf k|;f/0f cfof]hgf÷kl/of]hgfsf] s'n nfutdWo] g]kfnL ?k}+ofdf
e'QmfgL ug'{ kg]{ /sdsf] nflu ljb]zL d'b|fdf C0f k|jfx ug{ kfOg] 5}g .
-^_ ;DalGwt kmd{÷sDkgL÷pBf]usf] ljB't pTkfbg tyf k|;f/0f ug]{ cfof]hgf÷kl/of]hgfsf]
nflu cg'dlt k|bfg ug]{ lgsfoaf6 :jLs[lt ePsf] cfof]hgf÷kl/of]hgf jf p|Tkfbgsf]
cg'dflgt s'n nfut, n]vfk/LIf0f ePsf] kl5Nnf] jf;nft tyf cGo ljQLo ljj/0f,
Joj;flos pTkfbg z'? x'g] cjlw;Ddsf] k|If]lkt (Projected) ljQLo ljj/0f /
Joj;flos pTkfbg z'? ePkl5 jflif{s cfh{g x'g] ;Sg] s'n cfDbfgLsf] ljj/0fsf]
cfwf/df gub k|jfxsf] kof{Kt laZn]if0f u/L pko'Qm cg'kftdf dfq C0f k|bfg ug'{
kg]{5 .
-&_ hnljB't pTkfbg / k|;f/0f kl/of]hgfx?sf] nflu kl/jTo{ ljb]zL d'b|fdf C0f k|jfx ubf{
hnljB't kl/of]hgfsf] nflu cfjZos kg]{ oGq, pks/0f, sRrf kbfy{ cfoft ug{ afx]s
cGo k/fdz{ ;]jf, k|fljlws ;]jf / cGo ;]jfsf] e'QmfgLsf] nflu cfjZos kg]{ ljb]zL
d'b|fsf] :jLs[t C0f, k|jfx ug'{ k"j{ cfjZos sfuhftx? k]z u/L o; a}+ssf] :jLs[lt
lng' kg]{5 .
-*_ æsÆ ju{ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx?n] ;x ljQLos/0f
(Consortium) ;Demf}tf u/]/ klg o:tf] C0f k|bfg ug{ ;Sg]5 .
-(_ ;xljQLos/0f ;Demf}tfsf cfwf/df k|bfg ul/g] C0fsf] ;f+jf Jofh c;'nL, C0f;Fu
;DalGwt cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]usf] cg'udg tyf lg/LIf0f / C0f
;DaGwL ;Dk"0f{ k|zf;lgs nufot sfg"gL sfd sf/jfxLx? ug]{÷u/fpg] bfloTj tyf
lhDd]jf/L cu'jf a}+s (Lead Bank) n] lng' kg]{5 .
-!)_ C0fsf] ;fFjf Jofh e'QmfgLsf] nflu cfjZos kg]{ ljb]zL d'b|fsf] ;|f]t cfk}m;Fu gePsf]
cj:yfdf ;DalGwt cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]ux?n] æsÆ ju{ / /fli6«o
:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yf Pjd\ o; a}+saf6 Ohfhtkqk|fKt u/]sf
ljk|]if0f (Remittance) kmd{÷sDkgL;Fu k|rlnt ljlgdo b/df ljb]zL d'b|f vl/b ug{
;Sg]5g\ . o;/L vl/b ul/g] ljb]zL d'b|f C0fsf] ;fFjf Jofh e'QmfgL afx]s cGo
k|of]hgdf pkof]u ug{÷u/fpg kfOg] 5}g .
-!!_ ljb]zL d'b|fsf] ljlgdo b/df x'g] ptf/ r9fjsf] sf/0f x'g ;Sg] hf]lvd Joj:yfkgsf]
nflu C0f k|bfos a}+s÷ljQLo ;+:yfn] C0fLnfO{ pko'Qm Joj:yfx? cjnDjg ug{
nufpg' kg]{5 / o:tf] Joj:yf ;DalGwt C0fLn] clgjfo{ ?kdf kfngf ug'{ kg]{5 .
-!@_ o:tf] C0fsf] Jofhb/ a}+s÷ljQLo ;+:yfx? cfk}mn] to ug{ ;Sg]5g\ .
164
-u_ a}+s tyf ljQLo ;+:yfdf o:tf] ljb]zL d'b|fdf C0f k|fKt ug{ laleGg kl/of]hgfx?af6 k/]sf]
lgj]bgsf] ljj/0f -kl/of]hgfsf] gfd, ;+rfns, /sd, :yfg cflb ;+If]kdf pNn]v u/L_ x/]s
q}dfl;s cjlw Joltt ePsf] !% lbgleq o; a}+sdf k]z ug'{ kg]{5 .
-3_ ljb]zL d'b|fsf] C0f :jLs[t ePkl5 ;+nUg cg';"lr !(=! adf]lhdsf] 9fFrfdf ;f]sf] ljj/0f
tTsfn o; ljefunfO{ k7fpg' kg]{5 .
-ª_ C0fsf] ;f+jf Jofh e'QmfgL ug{ afFsL /x]sf] ljj/0f ;+nUg cg';'rL !(=@ adf]lhdsf] 9fFrfdf
k|To]s cw{jflif{s tyf jflif{s lx;fj ldnfg ;lsPsf] !% -kGw_ lbg leq C0f k|jfx ug]{ a}+s
tyf ljQLo ;+:yfn] o; ljefudf k7fpg' kg]{5 .
-r_ ;xljQLos/0fsf] cfwf/df :jLs[t tyf k|bfg ePsf] C0fsf] xsdf To:tf] ljj/0f o; a}+sdf
k7fpg'kg]{ bfloTj cu'jf (Lead) a}+ssf] x'g]5 .
-^_ lgof{tstf{x¿nfO{ ljb]zL d'b|fdf C0f pknJw u/fpg] ;DaGwL Joj:yf M
tof/L kf];fs, un}+rf, kl:dgf, x:tsnf nufotsf j:t' lgof{tstf{x¿nfO{ kl/jTo{ ljb]zL d'b|fdf
Pre-shipment tyf Post-shipment shf{ pknAw u/fpg] ;DaGwdf b]xfosf Joj:yfx¿ ul/Psf] 5 .
-s_ kl/jTo{ ljb]zL d'b|f cfh{g x'g] u/L lgof{t sf/f]jf/ ug]{ lgof{tstf{x¿af6 kl/jTo{ ljb]zL
d'b|fdf Pre-shipment tyf Post-shipment shf{ dfu u/]df k|rlnt Joj:yf cGtu{t /xL
To:tf] shf{ pknJw u/fpg' kg]{5 . o:tf] shf{df a9Ldf One Year Libor b/df clwstd
@=@% -b'O{ bzdnj b'O{ kfFr_ k|ltzt yk u/L x'g cfpg] b/n] Jofh lng ;lsg]5 / ;f]sf]
;fFjf÷Jofh kl/jTo{ ljb]zL d'b|fdf g} c;'n pk/ ug'{ kg]{5
-v_ o:tf] shf{ k|bfg u/] afkt ;DalGwt a}+sx¿n] dfu u/]df c;n shf{sf] td;'ssf] lwtf]df
One Year Libor b/df )=@% -z'Go bzdnj b'O{ kfFr_ k|ltzt yk u/L x'g cfpg]
Jofhb/df k|rlnt Joj:yfsf] cwLgdf /xL a}+s tyf ljQLo ;+:yfx?af6 k'g/shf{ dfu
ePsf] lbgdf g} ;DalGwt a}+s tyf ljQLo ;+:yfx?nfO{ o; a}+sn] kl/jTo{ ljb]zL d'b|fdf
k'g/shf{ pknAw u/fpg] 5 . Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] o:tf] k'g/shf{
dfu ubf{ o; a}+ssf] lgb]{zg adf]lhdsf] k'FhLsf]if kof{Kttf sfod u/]sf] x'g'kg]{5
-u_ ;DalGwt a}+sx¿n] o;/L k'g/shf{ dfu ubf{ o;};fy ;+nUg 9fFrf cg';f/sf] kmd{ clgjfo{
?kn] eg'{ kg]{5
-3_ o:tf] k'g/shf{ slDtdf cd]l/sL 8n/ !,)),))) -Psnfv_ jf ;f]sf] u'0fg (Multiple) df
dfq pknJw u/fOg]5
-ª_ o:tf] k'g/shf{sf] ;fFjf Jofh kl/jTo{ ljb]zL d'b|fdf g} tf]lsPsf] cjlwleq} e'QmfgL ug'{
kg]{5
-r_ kl/jTo{ ljb]zL d'b|fdf Pre-shipment shf{ lnPsf] u|fxsn] s'g} sf/0fjz ;fdfg lgof{t ug{
g;s]sf] sf/0f pko{'Qm shf{ ljb]zL d'b|fdf g} r'Qmf ug{ g;s]sf] v08df g]kfnL ?k}+ofFdf g}
cfjZos lx;fj ldnfg ug{ ;lsg]5 . t/, To;/L lx;fj ldnfg ubf{ lx;fj ldnfg x'g]
lbgsf] ljlgdo b/ nfu' ug'{kg]{5 / Jofhb/sf] xsdf g]kfnL ?k}ofFsf] shf{df lng] clwstd
Jofh b/ eGbf a9L gx'g] u/L b'O{ kIfsf] ;xdltdf lgwf{l/t b/df shf{ lnPsf] ldlt b]lvg}
lng ;lsg]5 .
-5_ Post-shipment shf{sf] xsdf klg Opening bank n] Discrepancy b]vfO{ lgof{t e'QmfgL
k"0f{?kdf k|fKt x'g g;s]sf] v08df e'QmfgL Nofpg g;s]sf] /sdsf] xsdf dfly v08 -r_
df pNn]v ul/P cg';f/ ug'{kg]{5 . ;fy}, o:tf] ljb]zL d'b|f k|fKt geP;Dd jf o; a}+sn]
o;af/] :jLs[lt glbP;Dd o;/L lx;fj ldnfg ul/Psf sf/f]jf/x?sf] clen]v clgjfo{?kn]
sn]Szgdf k7fOPsf 8s'd]G6 ;DaGwL pko'Qm n]vf zLif{s cGtu{t /fVg'kg]{5 .
165
-h_ sf/0fjz lgof{t x'g g;sL lgof{t shf{ lng] lgof{tstf{n] pQm shf{ kl/jTo{ ljb]zL d'b|fdf
e'QmfgL ug{ g;Sg] l:ylt cfOk/]df To:tf lgof{tstf{sf] ljb]zL d'b|f vftf /x]sf] eP To:tf]
ljb]zL d'b|f vftfdf /x]sf] df}Hbftaf6 lx;fj ldnfg ug'{ kg]{5 . t/, o;sf] nflu lgof{t
gePsf] Joxf]/f ;DalGwt a}+sn] osLg ug'{ kg]{5 . ljb]zL d'b|f vftf gePsf] jf To:tf]
vftfdf kof{Kt df}Hbft gePsf] cj:yfdf v08 -r_ sf] Joj:yf adf]lhd lx;fj ldnfg ug'{
kg]{5 .
-em_ kl/jTo{ ljb]zL d'b|fdf Post-shipment shf{ lb+bf lgof{t Documents Negotiate ubf{s}
cj:yfdf lgof{tstf{sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{ ldNg]5 . syd\sbflrt\
Negotiate ul/Psf pko'{Qm Documents sf] k"0f{ e'QmfgL k|fKt gePsf] cj:yfdf k|rlnt
Joj:yf cg';f/ o; ljefunfO{ hfgsf/L k|fKt ePsf] & lbgleq ljj/0f pknAw
u/fpg'kg]{5 .
-`_ Pre-shipment shf{ lbFbf lgof{tstf{sf] gfpFdf b]xfPdf plNnlvtdWo] s'g} Pp6f sfuhft
k|fKt eO ;s]sf] x'g'kg]{5 M
-!_ lgof{t k|tLtkq
-@_ cfoftstf{ / lgof{tstf{ aLr ePsf] v/Lb ljqmL ;Demf}tf÷;xdlt ;DaGwL sfuhft
(Proforma Invoice or Contract Paper or Indent) -#_ o; a}+s jf cGo a}+s÷ljQLo ;+:yfaf6 hf/L ePsf] CAD cg'dltkq
-$_ a}+s÷ljQLo ;+:yfaf6 hf/L ePsf] clu|d e'QmfgL k|df0fkq
dfly plNnlvt a'Fbf -!_ b]lv -#_ adf]lhdsf sfuhftsf cfwf/df Pre-shipment shf{ k|bfg
u/L ;s]kl5 plNnlvt zt{gfdf s'g} sf/0fa; /2 eO{ kl/jTo{ ljb]zL d'b|f k|fKt x'g
g;s]sf] cj:yfdf lgof{tstf{sf] cfˆgf] vftfdf ePsf] kl/jTo{ ljb]zL d'b|f jf eljiodf
cGo lgof{taf6 k|fKt x'g] ljb]zL d'b|faf6 ;f] shf{ e'QmfgL ug'{ kg]{5
-6_ Pre-shipment shf{ ;'ljwf cGtu{t lnPsf] C0f lgof{t Documents Negotiate u/]s}
cj:yfdf r'Qmf ug{ nufpg] jf ;f]sf] e'QmfgL k|fKt ePkl5 dfq r'Qmf ug{ nufpg] eGg]
af/] ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] Joj:yf ug{ ;Sg]5
-7_ Pre-shipment tyf Post-shipment shf{ :j?k ljb]zL d'b|fdf g} C0f pknJw x'g] Joj:yf
Deemed Export sf] xsdf ;d]t nfu' x'g]5
-&_ k"jf{wf/ kl/of]hgfdf kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug]{ ;DaGwL Joj:yf
jfl0fHo a}+sx?af6 lghL If]qdfk{mt ;~rfng x'g] k"jf{wf/ kl/of]hgf cGtu{t ;8sdfu{, s]jnsf/,
/]nj], kmgkfs{, ljdfg:yn, ˆnfO cf]e/ /f]8, 6g]n /f]8df ;d]t b]xfosf zt{x?sf] clwgdf /xL
kl/jTo{ ljb]zL d'b|fdf shf{ k|jfx ug{ ;lsg]5 .
-s_ kl/of]hgsf] nflu cfjZos kg]{ d]lzg/L, pks/0f / ;/–;fdfg cfoft ug{ Pjd\ k|rlnt
Joj:yf adf]lhd ljb]zL kIf;Fu k/fdz{–;]jf, k|fljlws–;]jf jf cGo ;]jf lnP afkt
e'QmfgL ug'{ kg]{ ljb]zL d'b|fsf] nflu o; k|sf/sf] C0f k|bfg ug{ ;lsg]5 .
-v_ g]kfnL d'b|fdf e'QmfgL ug]{ /sd (NPR Denominated Payment_ sf nflu ljb]zL d'b|fdf
C0f k|bfg ug{ kfOg] 5}g .
-u_ o:tf] C0fsf] Jofh b/ a}+s / C0fL b'a}kIfsf] ;xdltdf to ug'{ kg]{5 .
-3_ o:tf] C0fsf] ;Defljt ljlgdo b/ hf]lvd ;DalGwt kIfx? :jo+n] Joj:yfkg ug'{ kg]{5 .
-ª_ o:tf] C0f cGtu{tsf] /sdaf6 ;]jfsf] e'StfgL ug{'k"j{ k|rlnt Joj:yf cGtu{t cfjZos
sfuhft ;lxt o; ljefusf] k"j{ :jLs[lt lng'kg]{5 .
166
cg';"rL !(=!
-O=k|f=kl/kq ;+Vof !( sf] bkmf %-3_ sf] k|of]hgsf] nflu_
a}+s÷ljQLo ;+:yfsf] gfd M
clkm;÷zfvfsf] gfd
>L g]kfn /fi6« a}+s ldltM
ljb]zL ljlgdo Joj:yfkg ljefu
afn'jf6f/, sf7df08f} .
ljifoM C0f :jLs[t u/]sf] af/] .
dxfzo,
To; ljefusf] O=k|f= kl/kq ;+VofM !( sf] bkmf %-3_ adf]lhd hnljB't pTkfbg tyf k|;f/0f;Fu ;DalGwt
cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]unfO{ kl/jTo{ ljb]zL d'b|fdf b]xfoadf]lhd C0f :jLs[t ul/Psf] Joxf]/f
hfgsf/Lsf] nflu cg'/f]w ub{5f}F .
C0fLsf]
gfd
pTkfbg÷kl/of]hgfsf] cg'dflgt
nfut
-kl/jTo{ ljb]zL d'b|fdf_
pTkfbg
kl/of]hgfsf]
lsl;d
:jLs[t k|bfg u/]sf] C0f
/sd -kl/jTo{ ljb]zL
d'b|fdf_
Jofh
b/
C0f
cjlw
s}lkmot
j:t' ;]jf j:t' ;]jf
tof/ ug]{,
gfd M
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
167
cg';"rL !(=@
-O=k|f=kl/kq ;+Vof !( sf] bkmf %-ª_ sf] k|of]hgsf] nflu_
a}+s÷ljQLo ;+:yfsf] gfdM
clkm;÷zfvfsf] gfd
>L g]kfn /fi6« a}+s ldltM
ljb]zL ljlgdo Joj:yfkg ljefu
lg/LIf0f tyf cg'udg kmfF6
afn'jf6f/, sf7df08f} .
ljifoM e'QmfgL ug{ afFsL C0fsf] hfgsf/L af/] .
dxfzo,
txf+sf] O=k|f= kl/kq ;+VofM !( sf] bkmf %-ª_ adf]lhd hnljB't pTkfbg tyf k|;f/0f;Fu ;DalGwt b]xfosf
C0fLnfO{ kl/jTo{ ljb]zL d'b|fdf k|bfg ul/Psf] C0fdWo] ldlt ============================;Dddf b]xfo adf]lhd ;fFjf Jofh
e'QmfgL x'g afFsL /x]sf] Joxf]/f hfgsf/Lsf] nflu cg'/f]w ub{5f}F .
qm=;+= C0fLsf] gfd
pTkfbg÷kl/of]hgfsf]
lsl;d
z'?sf] C0f /sd
-kl/jTo{ ljb]zL d'b|fdf_
jf+sL C0f /sd
-kl/jTo{ ljb]zL d'b|fdf_ s}lkmot
;f+jf Jofh
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
168
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@)÷@)&$
Ph]G;L a}+sx?df /fVg ;Sg] ljb]zL ljlgdo df}Hbft, Derivatives pks/0f,
Forward Contact / Interest Rate Swap ;DaGwL Joj:yf .
a}+s tyf ljQLo ;+:yfx?n] ljb]zl:yt Ph]G;L a}+sx?df /fVg ;Sg] ljb]zL ljlgdo df}Hbft, Derivatives
pks/0f, Forward sf/f]jf/ / Interest Rate Swap ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f] adf]lhd
ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/
k|of]u u/L] g]kfn /fi6« a}+s a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox? tyf Ohfhtkqk|fKt æsÆ / /fli6«o
:t/sf ævÆ ju{sf ljsf; a}+sx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= a}+s tyf ljQLo ;+:yfx?n] ljb]zl:yt Ph]G;L a}+sx?df /fVg ;Sg] ljb]zL ljlgdo df}Hbft tyf
8]l/e]l6E; (Derivatives ) pks/0f ;DaGwL Joj:yf .
o; a}+saf6 Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx?n] cfk"m;Fu
df}Hbft /x]sf] kl/jTo{ ljb]zL d'b|fsf] nufgL Joj:yfkg tyf ljlgdo b/df x'g] ptf/r9fjsf] sf/0fn]
x'g ;Sg] hf]lvd Joj:yfkgsf] nflu b]xfo adf]lhdsf] Joj:yf cGtu{t cf–cfˆgf] ;+rfns ;ldltn]
tf]s]sf] gLltut dfkb08leq /xL ljb]zL d'b|f ahf/df k|rlnt laleGg Derivatives pks/0f ;DaGwL
sf/f]jf/x? ug{ / cfˆgf] ljb]zL Ph]G;L a}+sx?df kl/jTo{ ljb]zL d'b|f df}Hbftsf] ?kdf nufgL ug{
;Sg] 5g\ .
-s_ nufgL Joj:yfkgnfO{ b]xfosf] adf]lhd x'g] u/L ug'{÷u/fpg' kg]{5 M
-!_ cGt/f{li6«o ljQLo ;+:yf / ljb]zL ;/sf/af6 hf/L ePsf laleGg k|sf/ / cjlwsf
-tn bkmf -h_ df pNn]v eP adf]lhd x'g] u/L_ C0fkq, lgIf]k k|df0fkq nufotsf
ljljw pko'Qm pks/0fx?df nufgL ug{ ;lsg]5
-@_ kl/jTo{ ljb]zL d'b|fsf] lgIf]kaf6 k|fKt / cfk"m;Fu df}Hbft /x]sf] kl/jTo{ ljb]zL d'b|f
dfq nufgL ug{ ;lsg]5
-#_ o:tf] nufgL k|of]hgsf] nflu cGt/f{li6«o jf ljb]zL a}+s tyf laQLo ;+:yfaf6 s'g}
lsl;dsf] C0f lng kfOg] 5}g
-v_ ljb]zL d'b|f ahf/df k|rlnt Forward, Futures, Options, Swap h:tf Derivatives pks/0f
;DaGwL sf/f]jf/ ug{ ;lsg]5
-u_ v08 -s_ sf] -!_ / -@_ df plNnlvt sf/f]jf/x? ubf{ pTkGg x'g] ljlgdo nufotsf hf]lvd
;DalGwt a}+s tyf ljQLo ;+:yfn] g} Joxf]g'{ kg]{5 .
-3_ a}+s÷ljQLo ;+:yfx?n] clu|d ljlgdo sf/f]jf/ -Forward Exchange Contract_ u/]sf] cj:yfdf
;f] s/f/ bfloTjsf] ;Dk"0f{ /sd ljb]zL Ph]G;L a}+sx?df df}Hbftsf] ?kdf /fVg ;Sg] 5g\ .
ljb]zL ljlgdo sf/f]jf/df clu|d ljlgdo (Forward Exchange ) sf] ;'ljwf pknJw u/fpg]
;DaGwdf b]xfodf plNnlvt zt{x?sf] cwLgdf /xL ug'{ kg]{5 M
-!_ ;DalGwt a}+sx? :jod\n] clu|d ljlgdob/ (Forward Exchange Rate) lgwf{/0f ug'{
kg]{5 .
169
-@_ clu|d ljlgdo sf/f]jf/ ubf{ lgj]bssf] cfjZostfsf] cfwf/ (Need Based) nfO{ osLg
u/]/ dfq ug'{ kg]{ 5 .
-#_ o; k|sf/ ul/Psf] clu|d ljlgdo sf/f]jf/sf] Cover g]kfn /fi6« a}+s dfkm{t k|fKt x'g]
5}g cyf{t\ o;af6 x'g ;Sg] nfe xfgL b'j} ;DalGwt a}+sn] g} Joxf]g'{ kg]{ 5 .
-ª_ a}+s÷ljQLo ;+:yfx?n] cfkm";Fu /x]sf] kl/jTo{ ljb]zL d'b|fsf] lgIf]k afktsf] ;Dk"0f{ /sd
ljb]zL Ph]G;L a}+sx?df df}Hbftsf] ?kdf /fVg ;Sg] 5g\ .
-r_ a}+s tyf ljQLo ;+:yfx?n] vf]n]sf] cfoft k|tLtkq nufot cGo ljb]zL ljlgdo bfloTjsf]
xsdf a9Ldf #% k|ltzt a/fa/sf] ljb]zL d'b|f dfq ljb]zL Ph]G;L a}+sdf df}Hbftsf] ?kdf
/fVg ;Sg] 5g\ .
-5_ k|tLtkqsf] bfloTj, kl/jTo{ ljb]zL d'b|fsf] lgIf]k tyf clu|d ljlgdo sf/f]jf/ gePsf a}+s
tyf ljQLo ;+:yfn] ;d]t cfˆgf] sf/f]jf/ ;~rfng ug{ cd]l/sL 8n/ !) nfv;Dd ljBdfg
Joj:yf cGtu{t /xL df}Hbftsf] ?kdf /fVg ;Sg] 5g\ .
-h_ a}+s tyf ljQLo ;+:yfx?n] Ph]G;L df}Hbftaf6 cfˆgf] b}lgs t/ntfdf k|lts"n c;/ gkg]{ u/L
a9Ldf Ps jif{ jf ;f] eGbf sd cjlwsf] sn l8kf]lh6, ;l6{lkms]6 ckm l8kf]lh6 jf o:t} cGo
pks/0fx?df nufgL ug{ ;Sg]5g\ . ;f] eGbf a9L cjlwsf nflu nufgL ug{' k/]df cfˆgf]
gLltut Joj:yf cGt/ut /xL Ph]G;L a}+sx?df /x]sf] s'n df}Hbftaf6 a9Ldf $) k|ltzt
;Dd @ jif]{ cjlw ;Ddsf] sn l8kf]lh6, ;l6{lkms]6 ckm l8kf]lh6 jf o:t} cGo Go'g hf]lvd
ePsf pks/0fx?df nufgL ug{ ;Sg]5g .
t/ o:tf] nufgL g]kfn ;b:o /x]sf] If]qLo tyf cGt/fli6«o ;xof]u ;+u7gsf laleGg
sf]ifx?sf] kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] lgIf]k ;f]xL d'b|fdf g} o; kl/kq adf]lhd Go"g
hf]lvd ePsf pks/0fdf nufgL ug{ pQm $) k|ltztsf] ;Ldf nfu' x'g] 5}g .
@= Forward sf/f]jf/df x'g] hf]lvd Joj:yfkg ;DaGwL Joj:yf M
Ohfhtkqk|fKt æsÆ ju{sf a}+sx?n] cfk"m;Fu df}Hbft /x]sf] kl/jTo{ ljb]zL d'b|fsf] nufgL
Joj:yfkg tyf ljlgdo b/df x'g] ptf/ r9fjsf] sf/0fn] x'g ;Sg] hf]lvd Joj:yfkgsf] nflu
k|rlnt Joj:yf adf]lhd Derivatives ;DaGwL sf/f]jf/ cGtu{t Forward sf] sf/f]jf/ ubf{ cf;Gg
hf]lvdnfO{ k"0f{tof Wofgdf /fVg] tyf ;6[]jfhL (Speculative) sf/f]jf/ gx'g] u/L b]xfo adf]lhdsf]
zt{x?sf] cwLgdf /xL sf/f]jf/ ug'{kg]{5 .
-s_ Forward sf/f]jf/df Open Position /fVg gkfOg] cyf{t pQm sf/f]jf/ Completely Square
Up Position x'g' kg]{ . -v_ Forward sf/f]jf/sf] Exposure kl/jTo{ ljb]zL d'b|fdf b]vfpg' kg]{ .
-u_ Proprietary Forward sf/f]jf/sf] aSof}tf -Outstanding) vl/b / ljqmL (Buy/Sale) b'j}
hf]8]/ k|fylds k"+hLsf] #) k|ltzt eGbf a9L x'g gx'g] .
-3_ Proprietary sf/f]jf/ # dlxgfeGbf a9L cjlwsf] ug{ gkfOg] .
-ª_ Forward sf/f]jf/sf] v'b lx;fj ldnfg -Net Settlement) ubf{ ljb]zL ljlgdo jlx{udg x'g]
cj:yfdf ljBdfg Joj:yf adf]lhd o; a}+ssf] k"j{ :jLs[lt lng' kg]{ .
-r_ Forward sf/f]jf/sf] ;fKtflxs ljj/0f o;};fy ;+nUg cg';"rL @)=! cg';f/ e/L x/]s
cfOtjf/ ljb]zL ljlgdo Joj:yfkg ljefudf k7fpg' kg]{ .
#= Interest Rate Swap ;DaGwL Joj:yf M
kl/jTo{ ljb]zL d'b|fsf] sf/f]jf/ ug]{ Ohfhtkqk|fKt a}+s÷ljQLo ;+:yfx¿n] k|rlnt Joj:yf cGtu{t
b]xfosf] Joj:yf cGtu{t /xL Interest Rate Swap ug{ ;Sg]5g M
-s_ a}+s÷ljQLo ;+:yfx?n] cfk'm;Fu /x]sf] ljb]zL d'b|f df}Hbftsf cfwf/df Interest Rate
Swap ;Demf}tf ug{ ;Sg]
170
-v_ Interest Rate Swap ;Demf}tf u/]kl5 s'g a}+s÷ljQLo ;+:yf;Fu s] slt Swap
;Demf}tf slt cjlwsf] nflu ul/Psf] xf] ;f]sf] hfgsf/L & -;ft_ lbg leq clgjfo{ ?kdf
o; ljefunfO{ u/fpg'kg]{ .
-u_ hlt /sdsf] nflu Swap ug]{ xf] ;f]xL a/fa/ /sdsf] nflu clgjfo{ ?kdf nufgL ub}{
hfg'kg]{ .
-3_ a}+s÷ljQLo ;+:yfx?n] k|rlnt Joj:yf cGtu{t ljb]zL d'b|fdf C0f lnPsf C0fL;Fu ;f]
C0fsf] Aofhb/ Hedge ug]{ l;nl;nfdf Interest Rate Swap ;Demf}tf u/]df s'g
lgsfo;Fu s] slt /sd, slt cjlwsf] nflu / s] s:tf] zt{df Swap ul/Psf] xf] < ;f]
sf] hfgsf/L !% -kGw|_ lbgleq clgjfo{¿kdf o; ljefunfO{ u/fpg' kg]{5 .
-ª_ pko{'Qm sf/f]jf/x?af6 l;h{gf x'g] ;a} bfloTj ;DalGwt a}+s÷ljQLo ;+:yf cfk}mn] Joxf]g'{
kg]{5 .
171
cg';"rL @)=!
-O=k|f=kl/kq ;+Vof @) sf] bkmf @-r_ sf] k|of]hgsf] nflu_
============Bank Limited
Outstnding of Forward Transactions
As on.............
Weekly Reporting Format (Sunday-Friday)
A.Proprietary Transactions
Deal Date
Forward
Amount
(in US$)
Forward
Rate Value Date
Direction Of
Transactions
(Buy/Sale)
Counterparty Remarks
Total in USD
Exchange
Rate
Total in NPR
Core Capital (Rs.in million
Total Proprietary Forward (Rs. in million) % of
Core Capital
Net Settlement During the weeks (Rs.in Million)
B. Non - Proprietary Transactions
Deal Date
Forward
Amount
(in US$)
Forward
Rate
Value
Date
Direction Of
Transactions
(Buy/Sale)
Requesting
Customer Counterparty Remarks
Total in
USD
172
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@!÷@)&$
ljb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/,
sld;g / ljlgdo b/ k|sfzg ;DaGwL Joj:yf
ljb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/ tyf sld;g ;DaGwdf lgDg adf]lhdsf] Joj:yf ul/Psf] x'Fbf ;f] cg';f/
ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/
k|of]u u/L] g]kfn /fi6« a}+s, a}lsË sfof{no nufot ;Dk"0f{ sfof{nox?, Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf
ævÆ ju{sf a}+s tyf ljQLo ;+:yf, Ohfhtkqk|fKt dlgr]~h/ Pjd\ xf]6nx?nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= ljb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/ tyf sld;g ;DaGwL Joj:yf M
-s_ Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf a}+s÷ljQLo ;+:yfx¿ :jod\n] kl/jTo{ ljb]zL
d'b|fx¿sf] ljlgdo b/ tf]Sg ;Sg]5g\ .
-v_ ef/tLo ?k}+ofFsf] ljlgdo b/ o; a}+sn] tf]s] adf]lhd x'g]5 .
-u_ a}+s÷ljQLo ;+:yfx¿n] cf–cfk"mn] lgwf{/0f u/]sf] ljlgdo b/df kl/jTo{ ljb]zL d'b|fsf] / o;
a}+saf6 lgwf{l/t ljlgdo b/df ef/tLo ?k}ofFFsf] v/Lb ljqmL sf/f]jf/ cGt/ a}+s÷ljQLo ;+:yf
v/Lb÷ljqmL tyf shf{ ;fk6 nufotsf sf/f]jf/ ug{ ;Sg]5g\ .
-3_ kl/jTo{ ljb]zL ljlgdo b/x¿df x'g] yk36sf] sf/0faf6 sf/f]jf/df x'g;Sg] s'g} klg lsl;dsf]
nfe xfgL ;DalGwt a}+s÷ljQLo ;+:yfx¿s} x'g]5 . t/, ef/tLo ?k}ofFsf] ljlgdo b/sf]
yk36af6 x'g] nfe xfgLsf] ldnfg k|rlnt Joj:yf adf]lhd ul/g]5 .
-ª_ o; a}+s / Ohfhtkqk|fKt a}+s÷ljQLo ;+:yfx¿aLr kl/jTo{ ljb]zL d'b|fsf] v/Lb÷ljqmLsf]
sf/f]jf/ ;fdfGotof cd]l/sL 8n/df dfq x'g]5 .
-r_ a}+s÷ljQLo ;+:yfx¿n] gub kl/jTo{ ljb]zL d'b|f v/Lb÷ljqmL sf/f]jf/ ubf{ b]xfo adf]lhd ug{
kg]{5 M
-!_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ / ;f]eGbf dflysf b/sf gub gf]6 v/Lb ubf{ s'g}
lsl;dsf] z'Ns, sld;g cflb lng kfOg] 5}g .
-@_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ b/eGbf sd b/sf gub gf]6 v/Lb ubf{ ;]jf z'Nssf]
?kdf j9Ldf )=%) -z'Go bzdnj kfFr z'Go_ k|ltzt;Dd lng kfOg]5 .
-#_ kl/jTo{ ljb]zL d'b|fsf] gub gf]6 k|rlnt ljlgdo b/df ljqmL ubf{ s'g} lsl;dsf]
sld;g, z'Ns cflb lng kfOg] 5}g .
-5_ o; a}+saf6 Ohfhtkqk|fKt u/]sf dlgr]~h/x¿n] gub kl/jTo{ ljb]zL d'b|f v/Lb÷ljqmL
sf/f]jf/ ubf{ b]xfo adf]lhd ug{ ;Sg] 5g\ M
-!_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ / ;f]eGbf dflysf b/sf gub gf]6 v/Lb ubf{ cfˆgf]
a}+s÷ljQLo ;+:yfn] lgwf{/0f u/]sf] ljlgdo b/df a9Ldf !=%) -Ps bzdnj kfFr z'Go_
k|ltzt;Dd sd u/L v/Lb b/ sfod ug{ ;Sg]5g\ .
173
-@_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ eGbf sd b/sf gub gf]6 v/Lb ubf{ cfˆgf]
a}+s÷ljQLo ;+:yfn] lgwf{/0f u/]sf] ljlgdo b/df a9Ldf @=)) -b'O{_ k|ltzt;Dd sd u/L
v/Lb b/ sfod ug{ ;Sg]5g .
-#_ lqe'jg cGt/f{li6«o ljdfg:yn kl/;/df /x]sf Ohfhtkqk|fKt dlgr]~h/x?sf] xsdf ;a}
b/sf kl/jTo{ ljb]zL d'b|fsf] gf]6 ;6xL ubf{ cfˆgf] a}+s÷ljQLo ;+:yfn] lgwf{/0f u/]sf]
ljlgdo b/df a9Ldf @=)) -b'O{_ k|ltzt;Dd sd u/L v/Lb b/ sfod ug{ ;Sg]5g .
-$_ gub ef/tLo ?k}ofFF v/Lb ubf{ o; a}+saf6 lgwf{l/t b/df v/Lb ug'{ kg]{5 / ljqmL ubf{
eg] ef/tLo ?k}ofFF !)).–-Ps ;o_ df a9Ldf –.$) -rfnL;_ k};f;Dd ;]jf z'Nssf]
?kdf lnO{ ljqmL ug{ ;lsg]5 .
-%_ kl/jTo{ ljb]zL d'b|fsf] gub gf]6 vl/b ljqmL ubf{ o; a}+sn] tf]s]sf] afx]s s'g} lsl;dsf]
sld;g, z'Ns cflb lng kfOg] 5}g .
-^_ o; a}+saf6 /fxbfgL ;'ljwf afktsf] ;6xL ;'ljwf k|bfg ug{ Ohfht lnPsf
dlgr]~h/x?n] To:tf] ;6xL ;'ljwf k|bfg ubf{ cfˆgf] a}+s ljQLo ;+:yfn] tf]s]sf] ljlgdo
b/ g} sfod ug{'kg]{5 .
-&_ dlgr]~h/n] ;6xL u/]sf] kl/jTo{ ljb]zL d'b|f o; a}+ssf] a}+lsª sfof{no nufot pkTosf
jflx/sf sfof{nox? dfk{mt klg ;6xL u/L a'emLlbg] Joj:yf ul/Psf] 5 . t/ o;/L ;6xL
ubf{ a}+s ljQLo ;+:yfx?df kl/jTo{ ljb]zL d'b|f vftf ePsf dlgr]~r/x?sf] xsdf ;f]xL
vftfdf hDdf ug{'kg]{5 .
-h_ a}+s÷ljQLo ;+:yfx¿ / dlgr]~h/x¿n] cf–cfˆgf] df}Hbftsf] gub kl/jTo{ ljb]zL d'b|f o;
a}+ssf] a}+ls+u sfof{no / pkTosf aflx/sf sfof{nox?n] a'lemlng] Joj:yf ul/Psf] 5 . o;/L
a'emfpg NofpFbf b]xfo adf]lhd x'g] u/L ;6xL÷v/Lb÷hDdf ul/g]5 M
-!_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ / ;f]eGbf dfly b/sf gub gf]6sf] xsdf s'g}
lsl;dsf] sld;g, z'Ns cflb lnOg] 5}g .
-@_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ eGbf sd b/sf gub gf]6sf] xsdf )=%) -z"Go
bzdnj kfFr z'Go_ k|ltztsf b/n] ;]jf z'Ns lnOg]5 .
-#_ dfly pNn]v ul/P adf]lhd k|fKt kl/jTo{ ljb]zL d'b|fdf nfUg] sld;g s§f u/L afFsL x'g]
/sd vftfdf hDdf ug]{ ;DaGwdf a}+s÷ljQLo ;+:yf tyf dlgr]~h/sf] cg'/f]wdf b]xfo
adf]lhd ug{ ;lsg]5 M–
-s_ a}+s÷ljQLo ;+:yfsf] xsdf o; a}+sdf /x]sf] ;DalGwt ljb]zL d'b|f vftf jf g]kfnL
?k}ofFF vftfdf hDdf ug]{ .
-v_ ;DalGwt ljb]zL d'b|fdf vftf gePsf] ljb]zL d'b|fsf] xsdf k|rlnt ljlgdo b/
adf]lhd x'g] /sd g]kfnL ?k}ofFF vftfdf hDdf ug]{ .
-u_ dlgr]~h/x¿sf] xsdf ;DalGwt dlgr]~h/sf] a}+s÷ljQLo ;+:yfl:yt ;DalGwt
ljb]zL d'b|f jf g]kfnL ?k}ofFFsf] vftfdf hDdf x'g] u/L /sdfGt/ / ;DalGwt ljb]zL
d'b|fdf vftf gePsf] ljb]zL d'b|fsf] xsdf k|rlnt ljlgdo b/ adf]lhd x'g] /sd
g]kfnL ?k}ofFFsf] vftfdf hDdf x'g] u/L /sdfGt/ ug]{ .
-em_ o; a}+saf6 vl/b b/dfq k|sfzg x'g] kl/jTo{ ljb]zL d'b|fsf] xsdf ;d]t o;} kl/kqsf] Joj:yf
nfu' x'g]5 .
-`_ /f]huf/Lsf nflu ljb]z hfg] g]kfnLx¿n] u/]sf] cfh{g kl/jTo{ ljb]zL d'b|fdf leq\ofpg] sfo{sf]
nflu o; ljefuaf6 Ohfhtkq lnPsf lgsfox¿nfO{ yk k|f]T;fxg / ;'ljwf afkt k|rlnt
vl/b b/sf cltl/Qm k|lt cd]l/sL 8n/ –.!% k};fsf b/n] O=k|f=sld;g k|bfg ug]{ Joj:yf
174
ePsf] x'Fbf To:tf lgsfox¿n] o; a}+ssf] a}+lsË sfof{nosf] Ph]G;L vftfdf kl/jTo{ ljb]zL d'b|f
hDdf u/]df ;f]xL cg';f/ pQm sfof{noaf6 O=k|f=sld;g k|bfg ul/g] 5 .
-6_ o; a}+saf6 Ohfhtkqk|fKt xf]6nx?n] cfkm\gf u|fxs;Fu cfk\mgf] ;]jfsf] e'QmfgL k|of]hgsf]
nflu gub kl/jTo{ ljb]zL d'b|f v/Lb ubf{ o; a}+sn] lgwf{/0f u/]sf] ;f] lbgsf] ljlgdo b/sf]
a9Ldf @ -b'O{_ k|ltzt;Dd sd u/L vl/b b/ sfod ug{ ;Sg]5g .
-@_ Ohfhtkq k|fKt æsÆ ju{sf jfl0fHo a}+sx?n] cd]l/sL 8n/ cfoft ug]{ / gub cd]l/sL 8n/ ljqmL
ubf{ Cash Handling Charge lng kfpg] ;DaGwdf M
g]kfndf e|d0f ug]{ ljb]zL ko{6sn] 8]lj6÷s|]l86 sf8{h:tf a}+lsª pks/0faf6 e'QmfgL ug]{ k|j[lQ a9b}
uPsf] / g]kfnL gful/sx? ljb]z e|d0fdf hfFbf To:tf] pks/0fsf] k|of]udf cEo:t eO{ g;s]sf]
sf/0fn] jfl0fHo a}+sx?df gub cd]l/sL 8n/ sd x'g uO{ k|rlnt Joj:yf adf]lhd gub cd]l/sL
8n/ pknJw u/fpg sl7gfO{ ePsf] ;Gbe{df gub cd]l/sL 8n/sf] cfk"lt{df ;xhtf k|bfg ug{ b]xfo
adf]lhd Joj:yf ul/Psf] 5 .
!= gub cd]l/sL 8n/sf] Joj:yfkg ug{ jfl0fHo a}+sx? cfk}mn] gub cd]l/sL 8n/ cfoft u/L
ljqmL ug{ ;Sg]5g\ .
@= o;/L cfoft ubf{ gub cd]l/sL 8n/sf] gofF gf]6 (Fresh Note) dfq cfoft u/L ljqmL ug'{
kg]{5 .
#= a}+sn] u|fxsnfO{ gub cd]l/sL 8n/ ljqmL ubf{ k|lt cd]l/sL 8n/ clwstd #) k};f ;Dd
Cash Handling Charge afkt lng ;Sg]5g\ .
$= gub cd]l/sL 8n/ dfu ug{ cfpg] u|fxsnfO{ ;s];Dd a}+lsË pks/0f dfk{mt ;6xL lbg
k|f]T;fxg ug'{ kg]{5 .
-#_ ljlgdo b/ lgwf{/0f tyf k|sfzg ul/g] ljb]zL d'b|f ;DaGwL Joj:yf M
gub kl/jTo{ ljb]zL d'b|fsf] dfunfO{ b[li6ut u/L k|rlnt Joj:yf cGtu{t /xL Ohfhtkqk|fKt
;+:yfx?n] tkl;n adf]lhdsf d'b|fx?sf] vl/b tyf ljqmL b/ sfod u/L vl/b ljqmL ug{ ;Sg]5g .
t/, ef/tLo d'b|fsf] xsdf o; a}+sn] lgwf{/0f u/] adf]lhd x'g]5 .
s|=;+= b]z d'b|fsf] gfd
1 cd]l/sf o'=P;= 8n/
2 o'/f]lkog o'lgog o'/f]lkog o'/f]
3 j]nfot o's] kfp08 :6ln{ª
4 l:j6\h/Nof08 l:j; km|ofGs
5 ci6«]lnof ci6«]lnog 8n/
6 Sofg8f Sofg]l8og 8n/
7 l;+ufk'/ l;+ufk'/ 8n/
8 hfkfg hfkflgh P]g
9 rLg rfOlgh o'cfg
10 ;pbL c/]ljof ;fpbL c/]ljog l/ofn
11 stf/ stf/L l/ofn
12 yfONof08 yfO{ ef6
13 o'gfO6]8 c/a Old/]6 o'PO{ lb/fd
14 dn]l;of dn]l;og l/+lu6
15 blIf0f sf]l/of blIf0f sf]l/og jg
175
16 l:j8]g l:jl8; s|f]g/
17 8]gdfs{ 8]lg; s|f]g/
s|=;+= b]z d'b|fsf] gfd
18 xªsª xªsª 8n/
19 s'j]t s'j]tL lbgf/
20 ax/fOg ax/fOg lbgf/
176
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@@÷@)&$
kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug]{ ;DaGwL Joj:yf .
k|rlnt sfg"g adf]lhd g]kfndf btf{ eO{ sf/f]jf/ ug{] sDkgLx?n] o; a}+s;Fu k"j{ :jLs[lt lnO{
b]xfo adf]lhdsf] k|s[of k'/ofO{ kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug{ ;Sg]] Joj:yf ul/Psf]n] ;f]xL
adf]lhd ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf]
clwsf/ k|of]u u/L] g]kfn /fi6« a}+s, a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox? tyf Ohfhtkqk|fKt æsÆ ju{
tyf /fli6«o:t/sf ævÆ ju{sf ljsf; a}+s / cGo ;DalGwt kIfx¿nfO{ ;d]t of] kl/kq hf/L ul/Psf] 5 .
!= k|rlnt sfg"g adf]lhd g]kfndf btf{ eO{ g]kfndf ljB't pTkfbg tyf k|;f/0f nfOg lgdf{0f ug{
Ohfhtkq kfPsf sDkgLx¿n] s'g} lglZrt kl/of]hgfsf] nflu o; a}+s;Fu k"j{ :jLs[lt lnO{ s'g}
klg dr]{06 a}lsË sf/f]jf/ ug{ :jLs[lt kfPsf æsÆ ju{ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf
ljQLo ;+:yfsf ;xfos sDkgL dfk{mt kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug{ ;Sg]5g
@= sDkgLn] ;~rfng ug]{ kl/of]hgfn] lgoldt ¿kdf kl/jTo{ ljb]zL d'b|f cfh{g u/L kl/jTo{ ljb]zL
d'b|fd} ;fFjf tyf Jofh r'Qmf ug{ ;Sg] ePdf To:tf] kl/of]hgf ;DkGg ug]{ k|of]hgsf] nflu
cfjZos kg]{ ;|f]t ;+sng ug]{ sfo{sf] nflu kl/jTo{ ljb]zL d'b|fdf o:tf] C0fkq hf/L ug{ :jLs[lt
k|bfg ul/g]5
#= o:tf] C0fkq hf/L ug'{ cufj} k|rlnt sfg"g adf]lhd lwtf]kq jf]8{af6 ljj/0fkq :jLs[t u/fO{ ;f]
af]8{ tyf o; a}+sdf btf{ u/fpg' kg]{5
$= o:tf] C0fkq sDkgLn] ;~rfng ug]{ lglZrt kl/of]hgfsf] nflu cfjZos kg]{ ;|f]t h'6fpg dfq
hf/L ug{ ;lsg]5
% s'n kl/of]hgf nfutsf] clwstd ^) -;f7L_ k|ltztn] x'g] /sd;Dd dfq o; Joj:yfaf6 ;|f]tsf]
¿kdf ;+sng ug{ ;lsg]5
^= o:tf] C0fkqsf] e'QmfgL cjlw sfod ubf{ ljlgdob/, Jofhb/, bfloTj e'QmfgL, j}b]lzs ;DklQ /
bfloTjsf] c;Gt'ng (Mismatch) nufotsf hf]lvdx?sf] plrt Joj:yfkg ljb]zL d'b|fdf C0f lng]
sDkgLn] g} ug'{ kg]{5 . o; ;DaGwL sf/f]jf/df pTkg x'g] s'g} klg lsl;dsf] ljb]zL ljlgdo
nufotsf cfly{s bfloTj o; a}+sn] Joxf]g]{ 5}g
&= Jofh e'QmfgL ubf{ Jofh cfDbfgLdf nfUg] s/ ;|f]td} s6[f u/L e'QmfgL ug'{ kg]{5
*= kl/of]hgf ;~rfng ePsf] jif{b]lv C0fkqsf] ;fFjf / Jofh e'QmfgLsf] nflu æC0fkq e'QmfgL sf]ifÆ v8f u/L e'QmfgL cjlw cg';f/ k|To]s jif{sf] d'gfkmfaf6 ;dfg'kflts b/df pQm sf]ifdf ljb]zL
d'b|fdf hDdf ub}{ hfg' kg]{5
(= C0fkqaf6 ;+slnt ljb]zL d'b|f h'g k|of]hgsf] nflu :jLs[t ul/Psf] xf] ;f]xL k|of]hgdf dfq vr{
ug'{ kg]{5
!)= o;/L ;+slnt ljb]zL d'b|f :jb]z tyf ljb]zaf6 ;f]xL kl/of]hgfsf] nflu k|of]u eO/x]sf] ljb]zL
d'b|fsf] C0fsf] ;fFjf / Jofh e'QmfgLsf] nflu dfq pkof]u ug{ kfOg]5
!!= C0fkq hf/L u/L p7]sf] /sddWo]af6 d'n's leq} vr{ ug'{ kbf{ k|rlnt Joj:yf adf]lhd g]kfnL
¿k}ofdf g} vr{ ug'{ kg]{5
177
!@= o:tf] C0fkqdf kl/jTo{ ljb]zL ljlgdosf] cfDbfgL÷;|f]t ePsf b]xfosf a}+s tyf ljQLo ;+:yf,
lgsfo, u}/ cfjf;Lo g]kfnL gful/s tyf JolQm ljz]ifn] b]xfo adf]lhd nufgL ug{ ;Sg]5g\ M
-s_ o; a}+saf6 Ohfhtkqk|fKt u/L kl/jTo{ ljb]zL d'b|fdf lgIf]k :jLsf/ ug]{ æsÆ ju{ /
/fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfn] ljb]zL d'b|fdf ;+sng u/]sf lgIf]k
bfloTj /sd dWo] cfˆgf] bfloTj Joj:yfkgdf k|lts"n c;/ gkg]{ u/L cfkm"n] lgwf{/0f
u/]sf] ljb]zL d'b|f lgIf]k bfloTjsf] $) k|ltzt ;Ddsf] /sddfq nufgL ug{ ;lsg]5 . o;
Joj:yf cGtu{t C0fkqdff nufgL u/]sf sf/0fn] kl/jTo{ ljb]zL d'b|fsf] lgIf]k bfloTj
e'StfgL ug{ sl7gfO{ k/]df o; a}+saf6 kl/jTo{ ljb]zL d'b|f pknAw u/fOg]5}g .
-v_ a}+s÷ljQLo ;+:yf afx]s cGo ;+3 ;+:yf tyf JolQm ljz]ifn] nufgL ubf{ cfˆgf] e}/x]sf]
ljb]zL d'b|f vftf dfk{mt nufgL ug'{ kg]{5 .
-u_ k|rlnt Joj:yf adf]lhd ljb]zL d'b|fsf] cfDbfgLsf ;|f]taf6 kl/jTo{ ljb]zL d'b|fdf vftf
vf]n]sf JolQm ljz]if afx]ssf lgsfox¿n] nufgL ug'{ kbf{ ;+rfns ;ldlt jf clVtof/
k|fKt JolQm÷lgsfosf] :jLs[lt cfjZos kg]{5 .
!#= o:tf] C0fkqdf Go"gtd cd]l/sL 8n/ !,))).– / ;f]sf] u'0fsdf nufgL ug{ kfOg] 5 .
!$= o:tf] C0fkq k|fylds jf bf];|f] ahf/df vl/b÷ljqmL ug'{kbf{ cfk\mg} vftfaf6 cfk\mg} gfddf dfq
vl/b÷ljqmL ug{ ;lsg]5 .
!%= :jLs[lt ;LdfeGbf a9L /sdsf] C0fkq hf/L ug{ kfOg] 5}g . cfXjfg ul/PeGbf a9L /sdsf] nflu
lgj]bg k|fKt ePdf lwtf]kq ;DaGwL k|rlnt sfg"g adf]lhd afF8kmfF8 ug'{ kg]{5 .
!^= dfly bkmf !@ df pNn]v ePsf] lgsfo tyf JolQm ljz]ifn] dfq vl/b÷ljqmL ug{ kfpg] u/L k|rlnt
Joj:yf adf]lhd o:tf] C0fkqsf] bf];|f] ahf/ sf/f]jf/ ug{ ;lsg] Joj:yf ldnfpg' kg]{5 .
!&= JolQmx?n] vl/b u/]sf] C0fkq bf]>f] ahf/sf] ?kdf æsÆ ju{ tyf /fli6«o :t/sf ævÆ ju{sf a}+s
tyf ljQLo ;+:yfx?nfO{ ljqmL ug{ ;Sg]5g\ .
!*= C0fkq lgisfzg ug{ :jLs[lt k|bfg ubf{ cGo cfjZos zt{x? tf]Sg ;lsg]5 . o;/L tf]lsPsf
zt{x? clgjfo{ ?kdf kfngf ug'{ kg]{5 .
!(= C0fkq lgisfzgsf] nflu ;DalGwt sDkgLn] k|rlnt sDkgL tyf lwtf]kq ;DaGwL sfg"gsf] k|s[of
k"/f u/L o; a}+ssf] ljb]zL ljlgdo Joj:yfkg ljefudf b]xfosf Joxf]/f v'Ng] sfuhft tyf
hfgsf/L ;lxt lgj]bg lbg' kg]{5 . k|fKt lgj]bg pk/ :jLs[t k|bfg ug]{÷gug]{ clwsf/ o; a}+sdf
/xg]5 .
-s_ ;+slnt ;|f]t nufgL ug]{ kl/of]hgfsf] ;+lIfKt ljj/0f tyf kl/of]hgf :jLs[t ug]{ lgsfoaf6
:jLs[t ePsf] s'n nfut
-v_ sDkgLsf] n]vfk/LIf0f ePsf] kl5Nnf] jf;nft nufotsf ljQLo ljj/0f
-u_ C0fkqsf] cjlw ;Ddsf] k|If]lkt (Projected) ljQLo ljj/0f
-3_ C0fkqsf] ;f+jf tyf Jofh kl/jTo{ ljb]zL d'b|fd} e'QmfgL ug{ ;Sg] Ifdtf v'Ng] ljj/0f
-ª_ kl/jTo{ ljb]zL d'b|f cfh{g x'g] k|df0f / kl/of]hgf tof/ ePkl5 C0fkqsf] e'QmfgL
cjlw;Dd jflif{s cfh{g x'g ;Sg] ljb]zL d'b|f /sdsf] cg'dflgt ljj/0f
-r_ ljb]zL d'b|f Joj:yfkg ;DaGwdf hf]vLd Joj:yfkgsf] nflu cjnDjg ul/Psf bkmf ^
adf]lhdsf] Joj:yf ;DaGwL ljj/0f
-5_ C0fkq hf/L x'g] cjlw, Aofhb/ tyf Aofh e'QmfgL cjlw
-h_ C0f e'QmfgL sf]ifsf] Joj:yf / ;~rfng ljlw
@)= ljBdfg Joj:yf adf]lhd cGo lgsfoaf6 lng' kg]{ :jLs[lt÷;xdlt ;DalGwt sDkgL :jod\n]
lng'kg]{5 .
178
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@#÷@)&$
j}b]lzs nufgLsf] k|df0fkq, n]vfÍg tyf k"j{ ;~rfng vr{
nufgLdf u0fgf ;DaGwL Joj:yf
k|rlnt Joj:yf cGtu{t k|ToIf j}b]lzs nufgL -Foreign Direct Investment-FDI_ leq\ofpFbf hf/L
ug{'kg]{ j}b]lzs nufgLsf] k|df0fkq, n]vfÍg / k"j{ ;~rfng vr{ nufgLdf u0fgf ug]{ k|s[of ;DaGwdf b]xfo
adf]lhdsf] Joj:yf ul/Psf]n] ;f]xL adf]lhd ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!(
-;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt æsÆ ju{sf a}+s tyf /fli6«o
:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= ljb]zL nufgLstf{sf] nflu hf/L ul/g] k|df0fkq ;DaGwL Joj:yf M
-s_ g]kfn ;/sf/sf] :jLs[ltk|fKt ;+o'Qm nufgL jf ztk|ltzt ljb]zL nufgLdf vf]lng] pBf]ux¿df
ljb]zL nufgLstf{n] ug]{ z]o/ nufgL afkt lelqPsf] ljb]zL d'b|fsf] :ki6 clen]v /fVg
cfjZos ePsf] x'Fbf To:tf nufgLstf{x¿n] g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 ljb]zL
nufgL ug{ k|fKt u/]sf] :jLs[ltkq, g]kfn /fi6 a}+saf6 To:tf] nufgL afktsf] ljb]zL d'b|f
leq\ofpg k|fKt u/]sf] :jLs[lt kq, kmd{÷sDkgL÷pBf]u÷btf{sf] k|df0fkq, nufgLsf] ljj/0f
nufotsf ;DalGwt sfuhft ;lxtsf] lgj]bgsf cfwf/df ;DalGwt a}+sn] To:tf pBf]udf
nufgL :j?k lelqPsf] ljb]zL d'b|fsf] nflu ;+nUg cg';"rL @#=! adf]lhdsf] nufgLsf]
k|df0fkq hf/L ug{'kg]{5 . t/, pBf]u ljefudf btf{ x'g gkg]{ sDkgL / ;+:yfsf] xsdf eg] o;
a}+sn] k|bfg u/]sf] :jLs[lt nufotsf ;DalGwt sfuhft lnO{ To:tf] k|df0fkq hf/L ug{
;lsg]5 .
-v_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt lnO{ kmd{÷sDkgL÷;+:yfn] leq\ofpg] ljb]zL
d'b|fsf] C0fsf] :ki6 clen]v /fVg cfjZos ePsf] x'Fbf To:tf C0f lng] kmd{÷sDkgL÷;+:yfn]
g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 ljb]zL d'b|fdf C0f lng k|fKt u/]sf] :jLs[ltkq, g]kfn
/fi6 a}+saf6 To:tf] C0f afktsf] ljb]zL d'b|f leq\ofpg k|fKt u/]sf] :jLs[lt kq,
kmd{÷sDkgL÷pBf]u btf{sf] k|df0fkq nufotsf ;DalGwt sfuhft ;lxtsf] lgj]bgsf
cfwf/df ;DalGwt a}+sn] To:tf C0f :j?k lelqPsf] ljb]zL d'b|fsf] nflu ;+nUg cg';"rL @#=@
adf]lhdsf] ljb]zL C0f lelqPsf] k|df0fkq hf/L ug{'kg]{5 . t/, pBf]u ljefudf btf{ x'g gkg]{
JolQm, kmd{, sDkgL / ;+:yfsf] xsdf eg] o; a}+sn] k|bfg u/]sf] :jLs[lt nufotsf ;DalGwt
sfuhft lnO{ To:tf] k|df0fkq hf/L ug{ ;lsg]5 .
-u_ nufgLsf] k|df0fkq hf/L ubf{ o:tf] k|df0fkq % k|lt tof/ u/L ;f]sf] klxnf] k|lt o; a}+snfO{,
bf]>f] k|lt g]kfn ;/sf/sf] ;DalGwt lgsfo -pBf]u ljefu÷nufgL af]8{ nufot_ nfO{, t]>f]
k|lt g]kfn ;/sf/, sDkgL /lhi6f/sf] sfof{nonfO{ rf}yf] k|lt ;DalGwt kmd{÷sDkgL÷
pBf]unfO{ pknAw u/fO{ kfFrf} k|lt ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] clen]vsf] nflu /fVg'
kg]{5 .
o;}ul/, ljb]zL d'b|fsf] C0fsf] xsdf o:tf] k|df0fkq $ k|lt tof/ u/L ;f]sf] klxnf] k|lt o;
a}+snfO{, bf]>f] k|lt g]kfn ;/sf/sf] ;DalGwt lgsfo -pBf]u ljefu÷nufgL af]8{ nufot_ nfO{,
179
t]>f] k|lt ;DalGwt kmd{÷sDkgL÷pBf]unfO{ / rf}yf] k|lt ;DalGwt a}+s÷ljQLo ;+:yf :jod\n]
clen]vsf] nflu /fVg' kg]{5 .
-3_ o:tf] k|df0fkq ;DalGwt a}+ssf] s]Gb|Lo sfof{non] dfq hf/L ug{'kg]{5 . ;fy}, o; a}+snfO{
pknAw u/fOg] k|df0fkqsf ;fy ;DalGwt SWIFT Message nufotsf k|df0f ;d]t ;+nUg u/L
o; ljefudf k7fpg'kg]{5 .
-ª_ o; a}+saf6 :jLs[lt lnO{ ljb]zL nufgL tyf C0f afkt lelqPsf] ljb]zL d'b|fsf] k|rlnt
Joj:yf jdf]lhdsf sfuhft ;+nUg u/L o; ljefudf n]vfÍg u/fpg' kg]{5 . ljb]zL nufgLsf]
xsdf sDkgL /lhi6«f/sf] sfof{nodf z]o/ nut sfod u/L ;f] sfof{noaf6 k|dfl0ft z]o/wgL
btf{ lstfa ;d]t k]z ug{'kg]{5 .
-r_ plNnlvt k|s[of k"/f u/L n]vfÍgsf] nflu o; ljefudf lgj]bg k]z x'g cfPdf cfjZos
k|s[of k"/f u/L ljb]zL nufgLsf] xsdf ;+nUg cg';"rL @#=# adf]lhdsf] / ljb]zL C0fsf]
xsdf ;+nUg cg';"rL @#=$ adf]lhdsf] n]vfÍgsf] k|df0fkq pknAw u/fO{g]5 .
@= ztk|ltzt ljb]zL nufgLdf :yfkgf ePsf sDkgLsf] /lhi6«]zg z'Ns tyf k"j{;~rfng vr{ a}+lsË
Rofgn dfk{mt\ leq\ofO{ nufgL /sddf u0fgf ug{] ;DaGwdf .
g]kfndf zt\k|ltzt nufgLdf Joj;fo ;~rfng ug{ rfxg] ljb]zL nufgLstf{n] ;+:yf btf{ ug{
sDkgL /lhi6«f/sf] sfof{nodf a'emfpg'kg]{ /lhi6«]zg z'Ns tyf k"j{ ;~rfng vr{sf] nflu sDkgLsf]
r'Qmf k'FhLsf] ! k|ltzt;Dd /sd nufgLstf{ jf :yfgLo cflwsfl/s k|ltlglw÷Ph]06sf] gfpFdf
a}+lsË Rofgndfk{mt\ clu|d leq\ofpg kfpg] / ;f] /sd ;+:yf btf{ tyf ljb]zL nufgLsf] :jLs[lt
eO{ nufgL lelqPkZrft\ n]vfk/LIfsaf6 vr{ k|dfl0ft ul/P adf]lhdsf] /sd ljb]zL nufgL /sddf
u0fgf ug{] Joj:yf ul/Psf] 5 . o;/L lelqPsf] /sdsf] nflu ;DalGwt a}+s tyf ljQLo ;+:yfn]
pQm pBf]u ljb]zL nufgLdf btf{ ePkl5 ljBdfg Joj:yf adf]lhd ;f] /sdsf] nflu klg ljb]zL
k'FhL nufgLsf] k|df0fkq hf/L ug{' kg]{ x'Fbf ;f]xL adf]lhd ug'{÷u/fpg' kg]{5 .
180
cg';"rL @#=!
-O=k|f=kl/kq ;+Vof @# sf] bkmf !-s_ sf] k|of]hgsf] nflu_
-ljb]zL nufgLstf{sf] nflu hf/L ul/g] k|df0fkq_
>L ==========================a}+s
============= zfvf
qm=;+= ldlt M
>L g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
k|ToIf j}b]lzs nufgL (FDI) zfvf .
g]kfndf :yfkgf x'g] pBf]udf ljb]zL nufgLstf{n] nufgL ug]{ k'FhL g]kfn leq\ofPsf] k|df0fkq
!= ljb]zL nufgLstf{n] nufgL ug]{ pBf]u÷sDkgLsf] gfd M
@= pBf]u÷sDkgL btf{ gDj/ M
#= ljb]zL nufgLstf{sf] gfd M
7]ufgf M
$= pBf]u÷sDkgLsf]
-s_ clws[t k'FhL M
-v_ r'Qmf k'FhL M
%= ljb]zL nufgLstf{n] nufgL ug]{
-s_ k'FhL /sd M
-v_ k|ltzt M
^= ljb]zL nufgLstf{n] a}+s÷ljQLo ;+:yfdf hDdf ug{ NofPsf] k'FhL ljj/0f
-s_ ljb]zL d'b|f / /sd M
-v_ g]kfnL ?k}ofFFdf x'g] /sd M
&= ljb]zL d'b|f hDdf ePsf]
-s_ Ph]G;L a}+ssf] gfd M
-v_ ldlt M
*= ljb]zL nufgL afktsf] ljb]zL d'b|f leq\ofpg g]kfn /fi6 a}+saf6 :jLs[t ldlt M
(= ljb]zL nufgL ug{ g]kfn ;/sf/sf] ;DjGwLt lgsfoaf6 :jLs[t ldlt M
pko{'Qm adf]lhd ljb]zL d'b|f o; a}+s÷ljQLo ;+:yfdf hDdf ePsf] Joxf]/f k|dfl0ft ub{5'÷5f}F .
clVtof/ k|fKt clwsf/Lsf]
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
-------------------------------------------------------------------------------------------------
af]wfy{ M– != g]kfn ;/sf/, nufgL af]8{÷pBf]u ljefu
@= g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{no
#= ;DalGwt kmd{÷sDkgL÷pBf]u
181
cg';"rL @#=@
-O=k|f=kl/kq ;+Vof @# sf] bkmf !-v_ sf] k|of]hgsf] nflu_
-ljb]zL d'b|fdf C0f lelqPsf] k|df0f_
>L ==========================a}+s
============= zfvf
qm=;+= ldlt M
>L g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
k|ToIf j}b]lzs nufgL (FDI) zfvf .
g]kfndf :yfkgf x'g] pBf]udf ljb]zL d'b|fdf C0f lelqPsf] k|df0fkq
!= ljb]zL d'b|fdf C0f k|fKt ug]{ pBf]u÷sDkgLsf] gfd M
@= pBf]u÷sDkgL btf{ gDj/ M
#= ljb]zL C0fbftfsf] gfd M
7]ufgf M
$= pBf]u÷sDkgLsf]
-s_ clws[t k'FhL M
-v_ r'Qmf k'FhL M
^= ljb]zL C0fbftfaf6 a}+s÷ljQLo ;+:yfdf hDdf ug{ NofPsf] C0f /sdsf] ljj/0f
-s_ ljb]zL d'b|f / /sd M
-v_ g]kfnL ?k}ofFFdf x'g] /sd M
&= ljb]zL d'b|f hDdf ePsf]
-s_ Ph]G;L a}+ssf] gfd M
-v_ ldlt M
*=ljb]zL d'b|fsf] C0f lng g]kfn /fi6 a}+saf6 :jLs[t ldlt M
(=ljb]zL d'b|fsf] C0f lng g]kfn ;/sf/sf ;DjGwLt lgsfojf6 :jLs[t ldlt M
pko{'Qm adf]lhd ljb]zL d'b|fsf] C0f afktsf] /sd o; a}+s÷ljQLo ;+:yfdf hDdf ePsf] Joxf]/f k|dfl0ft
ub{5'÷5f}F .
clVtof/ k|fKt clwsf/Lsf]
gfd M
kbM
b:tvt M
a}+ssf] 5fkM
-------------------------------------------------------------------------------------------------
af]wfy{ M– != g]kfn ;/sf/, nufgL af]8{÷pBf]u ljefu
@= ;DalGwt kmd{÷sDkgL÷pBf]u
182
cg';"rL @#=#
-O=k|f=kl/kq ;+Vof @# sf] bkmf !-r_ sf] k|of]hgsf] nflu_
-ljb]zL nufgLsf] n]vfÍgsf] kq_
kq ;+VofM lj=cf= ============÷ ÷ ÷ r=g+= ldlt M
>L =======================================
===========================================
ljifoM– ljb]zL nufgLsf] n]vfÍg .
dxfzo,
To; sDkgL÷pBf]udf nufgL ug]{ k|of]hgsf] nflu o; a}+ssf] k=;+==========================
=ldlt ==================== sf] kqaf6 b]xfosf ljb]zL nufgLstf{x?af6 s'n ?= ====================== a/fa/sf]
ljb]zL d'b|f leq\ofpg :jLs[lt k|bfg ul/Psf]df ;f] /sddWo] xfn;Dd b]xfo jdf]lhdsf] nufgL leq\ofO{ z]o/
nut ;d]t sfod eO{;s]s]f b]lvPsf]n] tbg'?k o; a}+sdf ljb]zL nufgL n]vfÍg ul/Psf] Joxf]/f
lg0f{ofg';f/ hfgsf/L u/fpFb5' .
qm=;+
=
ljb]zL
nufgL
stf{s
f] gfd
/
7]ufgf
o; cl3
n]vfÍg ePsf]
ljb]zL nufgL
- ====b/sf]_
xfn
n]vfÍg
ul/g]
ljb]zL
nufgL
- ====b/sf]_
xfn;Dd
n]vfÍg ePsf]
s'n nufgL
ljb]zL nufgL lelqPsf] ljj/0f
z]o/
;+Vof
/sd z]o/
;+Vof
/s
d
z]o/
;+Vof
/sd
?=
ldlt÷
tfl/v a}+s
lj=d'= /sd
/sd ?=
eabLo
- =================== _ - ===================== _
;xfos lgb]{zs pk–lgb]{zs
183
cg';"rL @#=$
-O=k|f=kl/kq ;+Vof @# sf] bkmf !-r_ sf] k|of]hgsf] nflu_
-ljb]zL d'b|fsf] C0f n]vfÍgsf] kq_
kq;+VofM lj=cf===========÷ ========÷==== r=g+= ldlt M
>L ====================================
=========================================
ljifoM– ljb]zL d'b|fsf] C0f n]vfÍg ul/Psf] .
dxfzo,
o; ljefusf] k=;+= lj=cf= ====================== ldlt ================== sf] kqaf6 txfFnfO{ b]xfo jdf]lhd
ljb]zL d'b|fdf C0f lng :jLs[tL k|bfg ul/Psf] /sd ========================= dWo] xfn;Dd b]xfo adf]lhdsf]
ljb]zL d'b|fsf] C0f leq\ofPsf] b]lvPsf]n] ;f] adf]lhd o; a}+sdf ljb]zL d'b|fsf] C0f n]vfÍg ul/Psf] Joxf]/f
lg0f{ofg';f/ hfgsf/L u/fpFb5' .
C0f n]vfÍgsf] ljj/0f
l;=
g+=
C0f k|bfg ug]{ :jLs[t
ljb]zL
d'b|fsf]
C0f /sd
-d'b|f
=======_
o; cl3
n]vfÍg
ePsf]
ljb]zL
d'b|fsf] C0f
/sd
-d'b|f======_
xfn n]vfÍg
ul/g] ljb]zL
d'b|fsf] C0f
/sd
-
============d'b|f_
xfn;Dd
n]vfÍg
ePsf]
ljb]zL d'b|fsf]
s'n
C0f /sd
-=========d'b|f_
C0f /sd g]kfn lelqPsf]
ljj/0f
ldlt÷tfl/v a}+s
lj=d'= /sd
eabLo
- _
pk–lgb]{zs
184
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@$÷@)&$
ljb]zL d'b|f sf/f]jf/sf] Ohfht ;DaGwL Joj:yf
ef/tLo ?k}ofFF tyf kl/jTo ljb]zL d'b|f sf/f]jf/nfO{ Jojl:yt agfpg] p2]Zon] o:tf] sf/f]jf/ ug{
Ohfhtkq lbg] ;Gbe{df b]xfo adf]lhdsf] Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug{ u/fpg ljb]zL ljlgdo
-lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] of] kl/kq hf/L
ul/Psf] 5 .
!= ef/tLo ?k}ofFF vl/b ug]{ Ohfht JolQmnfO{ k|bfg gul/g] M
ef/tLo ?k}ofFFsf] vl/b / ljqmL sf/f]jf/nfO{ Jojl:yt agfpg] p2]Zon] o:tf] sf/f]jf/ ug{ Ohfhtkq
lbg] Joj:yfsf] ;Gbe{df k|rlnt Joj:yfsf] cltl/Qm tn plNnlvt Aoj:yf sfod u/LPsf] 5 .
-s_ JolQmsf] nflu ca pk|fGt Ohfhtkq k|bfg ul/g] 5}g .
-v_ o; cl3 Ohfhtkq lnO{ sfo{ ul//x]sf JolQmut Ohfhtkq wf/sx?sf] xsdf cfufdL
@)&$ cfiff9 d;fGtleq sDkgLdf btf{ eO{;Sg' kg]{5 .
-u_ Ohfhtkq kfO;s]sf JolQmx?sf] xsdf lgDglnlvt zt{x?sf] cwLgdf /lx sfo{ ug{'kg]{5 .
o:tf] Ohfhtkq gjLs/0f ug{ cfpFbf k|rlnt Joj:yf cg';f/ gjLs/0f ug{ ;lsg]5 .
o;/L Ohfhtkqk|fKt JolQmx?n] lgDg adf]lhdsf] zt{x?sf] cwLgdf /xL sfo{ ug{'kg]{5 .
-!_ Ohfhtkqk|fKt JolQmn] ;j{;fwf/0f;Fu ef/tLo ?k}ofF dfq vl/b÷ljqmL ug{
kfOg]5 . ef/tLo ?k}Fof -sDtLdf ! nfv / ?= !) xhf/n] efu hfg] ;f] eGbf a9L
/sd_ cfk"mnfO{ kfos kg]{ g]kfn /fi6« a}+ssf sfof{nox¿df jf o; a}+ssf] ef=?=
sf]if /x]sf a}+ssf zfvfx¿df hDdf ug'{kg]{5 . k|rlnt vl/b b/n] x'g cfpg] /sd
;DalGwt JolQmnfO{ tTsfn} pknJw u/fOg]5 .
-@_ o;/L ;6xL ug{ NofPsf] /sdsf] cfwf/df Ohfhtkq kfPsf cGo lgsfox¿nfO{
o; a}+sn] k|bfg ub}{ cfPsf] -k|lt ef=?= !)) df & !
÷@ k};fsf b/n]_ O=k|f=
sld;g k|To]s dlxgfsf] cGTodf Psd'i6 k|bfg ul/g]5 .
-#_ ef/tLo ?k}Fof vl/b ug{ cfjZos g]kfnL ?k}Fofsf] Joj:yf tyf ;6xLsf] nflu
a}+s;Dd n}hfg] Joj:yf JolQm :jo+n] g} ug'{kg]{5 .
-$_ pko{'Qm zt{x¿ / ljb]zL ljlgdo lgoldt ug]{ P]gsf] pNn+3g x'g] u/L s'g}
lsl;dsf] sf/f]jf/ u/]sf] kfOPdf h'g;'s} avt klg Ohfhtkq /2 ug{ ;lsg]5 .
@= a}+s tyf ljQLo ;+:yf, ljk|]if0f sDkgL / dlgr]~h/ sDkgLsf] Ohfht ;DaGwL Joj:yf M
-s_ ljk|]ifs tyf dlgr]~h/ / cGo ;+:yfsf] ?kdf sfd ug]{]{ JolQm, kmd{,sDkgL jf ;+:yfsf]
k|of]hgsf] nflu Ohfhtkq k|bfg ug]{ sfo{ljlw, kF"hL ;DaGwL Joj:yf, sfd, st{Jo tyf
lg/LIf0f nufot cGo ljifox? ljk|]if0f ljlgodfjnL, @)^&, Ohfhtkq tyf lg/LIf0f
ljlgodfjnL, @)^& / dlgr]~h/ ljlgodfjnL, @)^& df pNn]v eP adf]lhd x'g]5 .
-v_ a}+s tyf ljQLo ;+:yf, ljk|]if0f sDkgL / dlgr]~h/sf] Ohfhtkqsf] cjwL s|d;M a9Ldf %,
! / ! jif{ x'g]5 . Ohfht tyf lg/LIf0f ljlgodfjnL cGtu{t Ohfht kfpg] ljleGg
lgsfox?sf] xsdf ;f]xL ljlgodfjnL adf]lhd x'g]5 .
185
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@%÷@)&$
ljk|]if0f sf/f]jf/ ;DaGwL Joj:yf
ljb]zaf6 k|fKt x'g] kl/jTo{ ljb]zL d'b|fsf] ljk|]if0f ;DaGwdf b]xfo adf]lhd x'g] u/L Joj:yf ul/Psf] x'Fbf
;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n]
lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6 a}+s a}+lsË sfof{no nufot ;j} sfof{no, Ohfhtkqk|fKt æsÆ /
/fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿, Ohfhtkq k|fKt ljk]|if0f sDkgLx?nfO{ of] kl/kq hf/L
ul/Psf] 5 .
!= g]kfn ;/sf/sf] gfddf k|fKt x'g] kl/jTo{ ljb]zL d'b|f ljk|]if0f ;DaGwL Joj:yf M
ljb]zaf6 g]kfn ;/sf/sf] gfddf k|fKt x'g] kl/jTo{ ljb]zL d'b|fsf] ljk|]if0f ;DaGwdf b]xfo adf]lhd
Joj:yf ul/Psf] 5 M
-s_ g]kfn ;/sf/ Pjd\ cGo s'g} lgsfosf] o; a}+sdf /x]sf] vftfdf hDdf x'g cfPdf / g]kfnL
?k}ofFF pNn]v u/L ljb]zaf6 /]ld6]G; k|fKt x'g cfPdf Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf
/ ljk|]if0f sDkgLn] To:tf] /]ld6fG; :jLsf/ ug{ ldNg] 5}g .
-v_ ljz]if sf/0fj; dfly bkmf !-s_ df pNn]v eP cg';f/sf] s'g} /]ld6]G; kl/jTo{ ljb]zL
d'b|fdf cfPsf] 5 eg] :jLsf/ ug{ ;lsg] 5 t/ o; a}+sdf /sdfGt/ ubf{ k|fKt ePsf]
kl/jTo{ ljb]zL d'b|fdf g} ;f] /sd /sdfGt/ ug'{kg]{ 5 .
@ Workers' Remittance sf] tYof° ;DaGwdf .
/f]huf/Lsf] nflu ljb]z hfg] g]kfnL gful/sx?n] k7fPsf] /]ld6\ofG;sf] ;DaGwdf To:tf] /sdsf]
dfl;s ljj/0f b]zut / ;+:yfut ?kdf b]xfo cg'?k ;+nUg cg';"rL @%=! / @%=@ adf]lhd o;
ljefudf k7fpg'kg]{5 .
-s_ a}+s tyf ljQLo ;+:yfx? cfk}mn] jf cfk'måf/f lgo'Qm Ph]G6÷;j Ph]G6dfk{mt e'QmfgL x'g]
u/L k|fKt ePsf] ljb]zL d'b|f /sdsf] ljj/0f
-v_ g]kfn /fi6« a}+saf6 Ohfht k|fKt u/L /]ld6\ofG;sf] sfo{ ug]{ kmd{÷sDkgLx? cfk}mn] jf
cfk'måf/f lgo'Qm Ph]G6dfk{mt e'QmfgL x'g] u/L k|fKt ljb]zL d'b|f /sdsf] ljj/0f .
-u_ pko{'Qmfg';f/sf] tYof° ljj/0f k|To]s dlxgf ;dfKt ePsf] !% -kGw|_ lbgleq clgjfo{
?kdf k]z ug'{ kg]{5 .
#= ljk|]ifs ;+:yfn] ;6xL u/]sf] kl/jTo{ ljb]zL d'b|f vl/b ug]{ ;DaGwL Joj:yf M
ljk|]ifs ;+:yfn] ljk|]if0f sf/f]af/ afkt k|fKt u/]sf] kl/jTo{ ljb]zL d'b|f o; a}+ssf] a}lÍu+ sfof{non]
vl/b u/L a'emLlng] Joj:yf ul/Psf] 5 .
$= ljk|]if0fsf] sf/f]jf/nfO{ Jojl:yt ug]{ ;DaGwL Joj:yf M
o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] ub}{ cfO/x]sf] ljk|]if0fsf] sf/f]jf/nfO{
Jojl:yt ug]{ ;DaGwdf b]xfo adf]lhdsf] Joj:yf ul/Psf] ul/Psf] 5 .
186
-s_ ljk|]if0f sf/f]jf/ ug]{ æsÆ / /fli6«o :t/sf ævÆ ju{sf ljsf; a}+ssf s]Gb|Lo sfof{non]
ljk|]if0f sf/f]jf/ ug{sf nflu ljb]zL ljlgdo -lgoldt ug]{ P]g, @)!( sf] bkmf # adf]lhd
g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefuaf6 ;f] sfo{ ug{ Ohfhtkq lng' kg]{5 .
-v_ a}+sn] ljk|]if0f sf/f]jf/ ug]{ :jLs[ltsf nflu b]xfo adf]lhdsf zt{x? k"/f u/L o;} ;fy
;+nUg cg';"rL @%=# sf] 9fFrfdf o; ljefudf lgj]bg lbg' kg]{5 .
-!_ a}+sn] ljk|]if0f sfo{sf nflu ljb]z l:yt a}+s, sDkgL jf ;+:yf;Fu ;Demf}tf u/L o;
a}+snfO{ hfgsf/L lbg' kg]{5 .
-@_ ljk|]if0f sf/f]jf/nfO{ lgoGq0f, ;'kl/j]If0f tyf lg/LIf0f ug{sf nflu a}+s cfk}mn]
sfo{ljlw th'{df u/L nfu' ug'{kg]{ / o;/L nfu' u/]sf] sfo{ljlwsf] Ps k|lt o;
ljefudf k]z ug'{kg]{5 .
-#_ ljk|]if0f cfk|jfx u/]sf] /sd ljt/0f ubf{ a}+sdf /sd k|fKt eO ;s]kl5 dfq
e'QmfgL lbg' kg]{5 cyf{t Pre-Payment ug{ kfOg] 5}g . t/ ljb]zL a}+ssf] a}+s
Uof/]06L k|fKt ePsf] cj:yfdf ;f] ;Ldfn] vfDg] /sd ;Dd / g]kfn /fi6« a}+s
ljk]|if0f ljlgodfjnL @)^& sf] Joj:yf adf]lhd Pre-Payment ug{ ;lsg] 5 .
-$_ a}+sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0fsf ;DaGwdf
hf/L ul/Psf lgb]{zgsf] kfngf ug{ KYC/AML/CFT ;DaGwL cfˆgf] 5'§} sfo{ljlw
tof/ u/L nfu' ug'{kg]{5 .
-%_ a}+sn] ljb]zL /]ld6fG; sDkgLaf6 clu|d e'QmfgLsf] ?kdf /sd k|fKt u/]sf] ePdf
;f] /sd a}ls+Ë k|0ffnL dfkm{t kl/jTo{ ljb]zL d'b|fdf g} g]kfndf Nofpg' kg]{5 .
-^_ ljk|]if0f cfk|jfxsf nflu ljb]zL sDkgL;Fu ul/Psf] ;Demf}tfsf] gjLs/0f x'Fbf o;
ljefunfO{ hfgsf/L u/fpg' kg]{5 / To:tf] ;Demf}tfsf s'g} k|fjwfg ;+zf]wg tyf
yk ug{'k/]sf] cj:yfdf eg] o; ljefusf] :jLs[lt lng' kg]{5 .
-&_ a}+sn] cfkm"n] kfpg] sld;g ljb]zL d'b|fdf g} k|fKt ug'{kg]{5 .
-*_ ljk|]if0f cfk|jfxaf6 k|fKt u/]sf] ljb]zL d'b|f ;DklQ z'4Ls/0f -dlgnfp08l/Ë_
k|of]hgsf nflu /]ld6 gePsf] s'/fdf osLg ug'{ kg]{5 .
-(_ ljk|]if0f sf/f]jf/ ug]{ a}+ssf] s]Gb|Lo sfof{nonfO{ Ohfhtkq k|bfg ul/g]5 . x/]s
zfvf sfof{non] o:tf] ljk|]if0f sf/f]jf/ ug]{ Ohfhtkq lng'kg]{ 5}g .
-u_ ljk]|if0fsf] ljlgdo b/ ;DaGwdf M
a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLx?n] ljk|]if0fsf nflu k|of]u ug]{ ljlgdob/sf]
;DaGwdf a}+sx?n] Documents (Others) k|of]hgsf nflu lgwf{/0f u/]sf] ljlgdob/af6
km]8fg ( )lapeN fo noitaicossA srelaeD egnahcxE ngieroF dfkm{t cf};t vl/b b/ to u/L
k|To]s lbg ljxfg !) jh] / lbgsf] @ ah] /]ld6fG; ljlgdo b/sf] ?kdf k|sflzt ug{'
kg]{5 . ;f] b/nfO{ cfwf/ dfgL a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLx?n] ljk|]if0f
k|of]hgsf nflu ;dfg ?kdf ljlgdo b/ sfod ug{'kg{]5 . o;/L km]8fgn] b}lgs @ k6s
k|sfzg ug]{ /]ld6fG; ljlgdob/ Ohfhtkqk|fKt ;a} a}+s tyf ljQLo ;+:yf / /]ld6fG;
sDkgLx?nfO{ pknAw u/fpg' kg]{5 . ;fy}, To:tf] ljlgdo b/sf] ljj/0f km]8fgn] k|To]s
lbg ljb]zL ljlgdo Joj:Yffkg ljefudf ;d]t k7fpg' kg]{5 . ljk|]if0f sf/f]jf/ ug]{ ;a}
Ohfhtkqk|fKt ;+:yfx?n] km]8fgsf] ;b:otf lng'kg]{5 .
-3_ gubdf e'StfgL lbg ;lsg] /sdsf] ;Ldf ;DaGwdf M
/]ld6fG; sf/f]jf/ ug]{ a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLx?n] @)&$ ;fn ;fpgaf6
?=@ nfv eGbf a9L ljk|]if0f jfktsf] /sd e'StfgL ubf{ clgjfo{?kdf a}+s vftf jf r]s
dfk{mt e'QmfgL ug]{ Joj:yf ldnfpg' kg]{5 .
187
-ª_ ljk|]if0f u/L NofPsf] ljb]zL d'b|f / e'QmfgL u/]sf] /sdsf] lj:t[t ljj/0f cBfjlws ?kdf
/fVg' kg]{5 . k|lt u|fxs ?=!) nfv jf z+sf:kb sf/f]jf/sf] ljj/0f tyf ;"rgf k|rlnt
Joj:yf adf]lhd g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO{df pknAw u/fpg' kg]{5 .
-r_ a}+sn] ljb]zL a}+s÷sDkgL dfkm{t k|fKt ljb]zL d'b|fsf] ljk|]if0f ;DaGwL sf/f]jf/sf] nflu
ljb]zdf 5'§} vftf vf]Ng' kg]{5 . ;f] vftfaf6 ePsf] sf/f]jf/sf] a}+s :6]6d]06 dfl;s ?kdf
o; ljefudf k]z ug'{ kg]{5 . t/, s'g} a}+sn] Pp6} vftfaf6 /]ld6fG;sf] ljj/0f :ki6?kdf
5'6\ofP/ Report k]z ug{ ;S5 eg] 5'§} vftf /fVg clgjfo{ x'g] 5}g .
-5_ a}+sn] s'n ljk|]if0f cfk|jfx / e'QmfgLsf] ljj/0f dfl;s ?kdf / cfDbfgL, vr{, sld;g
cflbsf] ljj/0f 5'§} tof/ u/L ;f] sf/f]jf/sf] cw{jflif{s lx;fa lstfa tof/ u/L ;f]sf] Ps
k|lt o; ljefudf k]z ug'{kg]{5 .
-h_ a}+sn] ljk|]if0f sf/f]jf/ ubf{ ;f] sf/f]jf/af6 ;[hgf x'g] s'g} klg lsl;dsf] cfly{s jf ljb]zL
ljlgdo bfloTj g]kfn /fi6« a}+sn] Joxf]g]{ 5}g .
-em_= ljb]zdf ljk|]if0f ;+sng ;DaGwL sfo{sf] nflu k|rlnt Joj:yfn] tf]s]sf] ;]jf afktsf] vr{
/sd eGbf a9L /sd ljb]z k7fpg' k/]df o; ljefusf] ;d]t :jLs[lt lng' kg]{5 . cfˆgf]
sd{rf/L afx]s cGo g]kfnL gful/s lgo'Qm u/]sf] cj:yfdf ;f] ;Demf}tfsf] Ps k|lt o;
ljefudf k]z ug'{ kg]{5 .
-`_ a}+sn] æg]kfn /fi6« a}+s ljk]|if0f ljlgodfjnL, @)^&Æ adf]lhd Ohfhtkqsf nflu z'?df
?=@%))).– o; a}+ssf] gf=gf]=cf= lx;fadf hDdf u/L ;f]sf] ef}r/ ;lxt o; ljefudf
lgj]bg k]z ug'{kg]{ 5 . o;/L k|bfg ul/g] Ohfhtsf] cjwL % jif{sf] x'g]5 . tTkZrft
k|To]s jif{sf nflu ?=%))) sf b/n] Psd'i6 z'Ns lt/L clwstd % jif{;Ddsf] nflu
Ohfhtkq gjLs/0f ug{ ;lsg]5 . tf]sLPsf] ;dodf gjLs/0f gu/fPdf k|To]s dlxgfsf
nflu ?=%))).– sf b/n] aLnDj z'Ns lnO{ gjLs/0f x'g g;s]sf] cf}lrTok"0f{ sf/0fsf]
cfwf/df Ohfhtkq gjLs/0f ul/lbg ;lsg]5 .
%= ljk|]if0f sf/f]jf/ ug]{ Ohfhtkqk|fKt sDkgLx¿sf] r'Qmf k'FhL ;DaGwdf M
-s_ ljk|]if0f Joj;fodf ;+nUg ;+:yfx?sf] qmdzM lgDg adf]lhd Go"gtd r'Qmf k'FhL sfod
ul/Psf] 5 M
-!_ /]ld6fG; sf8{ hf/L ug]{ ljk|]if0f sDkgLsf] xsdf ?=@% s/f]8
-@_ lk|lG;kn sDkgL eO{ sf/f]jf/ ug]{ ljk|]ifs sDkgLx?sf] ?=!) s/f]8
-#_ ljb]zl:yt lk|lG;kn sDkgLsf] Ph]G6 eO{ ljk|]if0fsf] sf/f]jf/ ug]{ sDkgLx?sf] ?=@
s/f]8
-v_ ljk|]if0f sf/f]jf/ ug]{ kmd{, sDkgL jf ;+:yfx?n] v08 -s_ df plNnlvt r'Qmf k'FhL @)&$
c;f/ d;fGt;Dddf sfod ul/;Sg' kg]{5
-^_ ljk|]if0f sf/f]jf/ dfq ug]{ Ohfhtkq k|fKt ;+:yfx?n] k'FhLut k|s[ltsf sf/f]jf/sf] nflu lelqg]
/sdsf] ljk]|if0f ug{ kfpg] 5}gg . t/, æsÆ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfn]
k|rlnt Joj:yf cGtu{t /xL To:tf] /sd /sdfGt/ ug{ ;Sg]5g .
-&_ Ohfhtkq k|fKt s'g} klg ;+:yfn] g]kfnL ?k}ofF pNn]v u/L ljb]zaf6 s'g} klg ljk|]if0f / cGo /sd
6«fG;km/ u/L k|fKt ug{ kfOg] 5}g .
188
cg';"rL @%=!
-O=k|f=kl/kq ;+Vof @% sf] bkmf -@_ sf] k|of]hgsf] nflu_
NAME OF THE BANK/FINANCIAL INSTITUTION/ REMITTANCE COMPANY STATEMENT OF INWARD REMITTANCE (Countrywise Transaction)
For the Month of …………………
S.No. Name of Country
Remittance in USD Remittance in INR
Number Amount Number Amount
Total
Authorised Signature: Name: Designation: Date: Stamp
189
cg';"rL @%=@
-O=k|f=kl/kq ;+Vof @% sf] bkmf -@_ sf] k|of]hgsf] nflu_
NAME OF THE BANK/FINANCIAL INSTITUTION/ REMITTANCE COMPANY STATEMENT OF INWARD REMITTANCE (Companywise Transaction)
For the Month of …………………
S.No. Name of
Company
Remittance in USD Remittance in INR
Number Amount Number Amount
Total
Authorised Signature: Name: Designation: Date: Stamp
190
cg';"rL @%=#
-O=k|f=kl/kq ;+Vof @% sf] bkmf$-v_ sf] k|of]hgsf] nflu_
ljk|]if0f sf/f]jf/ ug]{ :jLs[ltsf] nflu k]z ug]{ lgj]bgsf] 9fFrf
-æsÆ tyf /fli6o:t/sf ævÆ ju{sf a}+s ljQLo ;+:yfx?sf] nflu_
>L g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
jfn'jf6f/, sf7df8f} .
dxf]bo,
ljb]zdf /x]sf g]kfnLx?sf] cfh{gnfO{ a}+lsË k|0ffnLdfk{mt g]kfndf NofO{ ;/f]sf/jfnfnfO{ e'QmfgL
pknJw u/fpg] ljk|]if0f -Ogjf8{ /]ld6\ofG;_ sf] sf/f]jf/ ug{sf nflu b]xfo adf]lhdsf] ljj/0f ;lxt
ljk|]if0fsf] sf/f]jf/ ug]{ :jLs[ltsf nflu of] lgj]bg k]z u/]sf] 5'÷5f}F .
ljj/0fx?
!= ljk|]if0f sf/f]jf/ ug]{ a}+ssf] O{hfhtkqsf] k|ltlnlk
-s_ a}+ssf] skf]{/]6 sfof{nosf] 7]ufgf, df]jfOn÷kmf]g gDj/
-v_ k\mofS; gDa/ M
-u_ Od]n 7]ufgfM
-3_ kf]i6 aS; gDa/M
@= ljk|]if0f Nofpg] d'n's tyf lk|l;kn÷Ph]06sf] gfdM
#= a}+sn] s'g} /]ld6\ofG; k|f]8S6 hf/L u/]sf] eP ;f]sf] gfd / ljj/0f M
ejbLo,
clVtof/ k|fKt clwsf/Lsf] b:tvt
gfd M
kb M
a}+ssf] 5fk M
191
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@^÷@)&$
dlgr]Gh/nfO{ k|bfg ul/g] a§f tyf r'Qmf k"FhL ;DaGwL Joj:yf
dlgr]~h/nfO{ k|bfg ul/g] a§f tyf r'Qmf k"FhL ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f]xL adf]lhd
ug'{ u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/
k|of]u u/L dlgr]~h/sf] sf/f]jf/ ug{ Ohfhtkqk|fKt sDkgLx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
!= dlgr]Gh/x?nfO{ ef/tLo ?k}ofFdf j§f k|bfg ug]{ ;DaGwdf M
Ohfhtkqk|fKt dlgr]Gh/x?n] cfk"mn] k|fKt u/]sf] ef/tLo ?k}+of g]kfn /fi6« a}+ssf j}lsË sfof{no
nufot pkTosf jflx/sf sfof{nox? dfk{mt ;6xL ug{ ;Sg]5g . o; a}+sn] o:tf] gub ef/tLo
?k}ofF vl/b ubf{ lgwf{l/t b/df vl/b u/L k|lt ef=?= !)) df !% k};fsf b/n] a§f k|bfg ul/g]5 .
@= dlgr]~h/sf] sf/f]jf/ ug{] Ohfhtkqk|fKt ;+:yfsf] r'Qmf k'FhL ;DaGwL Joj:yf
-s_ ef/tLo ?k}ofsf] dfq vl/b÷ljqmL sf/f]jf/ ug]{ ;+:yfx?sf] nflu ?=!) nfv
-v_ kl/jTo{ ljb]zL d'b|fsf] vl/b sf/f]jf/ ug]{ ;+:yfx?sf] nflu ?= !% nfv
-u_ ef/tLo ?k}ofFF vl/b÷ljqmL / kl/jTo{ ljb]zL d'b|fsf] vl/b ;DaGwL b'a} sf/f]jf/ ug]{ ;+:yfx?sf
nflu ?=@) nfv
-3_ ljb]z e|d0fdf hfg] g]kfnL gful/sx?nfO{ /fxbflg afktsf] ;6xL ;'ljwf k|bfg ug]{ sf/f]jf/sf
nflu yk % nfv
dlgr]~h/ sf/f]jf/df ;+nUg Ohfhtkqk|fKt ;+:yfsf] plNnlvt r'Qmf k'FhL @)&$ c;f/
d;fGt;Dddf sfod ul/;Sg' kg]{5
192
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@&÷@)&$
ljb]zL ljlgdo ;6xL /;Lb ;DaGwL Joj:yf .
-!_ kl/jTo{ ljb]zL d'b|f sf/f]jf/ ug{ Ohfhtkqk|fKt ;a} lgsfox¿n] gub kl/jTo{ ljb]zL d'b|f vl/b ubf{
o;} ;fy ;+nUg b/lk7of]Uo ljb]zL d'b|f ;6xL /;Lb Foreign Exchange Encashment Receipt
(FEER) hf/L ug]{ u/fpg] ;DaGwdf ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf]
bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt ;a} lgsfox?nfO{ of] kl/kq hf/L ul/Psf] 5 .
-s_ s'g} klg JolQm;Fu kl/jTo{ ljb]zL d'b|f ;6xL ugf{;fy FEER cg';f/sf] ;Dk"0f{ Joxf]/f pNn]v
u/L ;f]sf] klxnf] k|lt ;6xLstf{nfO{ lbg'kg]{5 .
-v_ FEER n] vfDg];Ddsf] dfq g]kfnL ?k}ofFFdf ;DalGwt Ohfhtk|fKt lgsfon] e'QmfgL lnFbf
FEER sf] kl5Nnf] efudf clgjfo{ ?kn] b/kL7 ug'{kg]{5 .
-u_ pko{'Qm cg';f/ e'QmfgL ln+bf o;eGbf cufl8 FEER wgLn] s'g} k|of]hgdf g]kfnL ?k}ofFF e'QmfgL
lnO{ FEER sf] kl5Nnf] efu b/kL7 u/fO;s]sf] /x]5 eg] b/kL7 u/L afFsL /x]sf]
df}Hbft;Ddsf] dfq e'QmfgL lng ldNg]5 .
-3_ ;6xLstf{af6 g]kfnL ?k}ofFFdf e'QmfgL lnFbf ;f] /sd b/lk7 kZrft klg g]kfnL ?k}ofF afFsL
/x]df ;f] df}Hbft k|i6;Fu FEER df v'nfO{lbg' kg]{5 .
-ª_ g]kfnL ?k}ofFFdf e'QmfgL b/kL7 eO{ s'g} klg df}Hbft afFsL g/x]sf] cj:yfdf pQm FEER af6 g]kfnL ?k}ofFFdf e'QmfgL lng ldNg] 5}g .
-r_ FEER sf] cfwf/df s]xL /sd g]kfnL ?k}ofFFdf / afFsL ljb]zL d'b|fdf lng'kg]{ cj:yfdf ;f] ;d]t
ug{ ldNg]5 .
-5_ FEER df afFsL /sdn] vfd];Dd ;f]xL FEER sf] cfwf/df xjfO{ l6s6 ;d]t laqmL ug{
ldNg]5 .
-h_ cfˆgf] aLnsf] e'QmfgL lnO{ FEER sf] klxnf] k|ltdf b/kL7 u/L ;DalGwt ko{6snfO{ clgjfo{
?kn] lkmtf{ lbg'kg]{ 5 .
-em_ o;} kl/kq;fy ;+nUg cg';"rL @&=! sf] lgb]{zg adf]lhd FEER sf ;Dk"0f{ dxnx¿df k|i6
a'lemg] u/L Joxf]/f pNn]v ug{'kg]{5 / FEER sf s'g} klg dxnx?df Joxf]/f 5'6fpg kfOg] 5}g .
FEER df s'g} klg dxn 5'6fO{ ;f] /;Lb hf/L u/]sf] kfOPdf ;DalGwt JolQm pk/ cfjZos
sfo{jfxL ug{ ;lsg]5 .
-`_ Pp6f FEER k|ltdf Pshgf ;6xLstf{sf] gfd dfq pNn]v ug'{ kg]{5 / ;6xL u/L ;s]kl5 s'g}
xfntdf klg ko{6ssf] gfd / /fxbfgL gDa/ nufotsf cGo ljj/0fx¿df s]/d]6 / yk36 ug{
ldNg] 5}g .
-6_ pko{'Qm cg';f/ FEER sf] cfwf/df g]kfnL / ef/tLo gful/sx¿nfO{ afx]s cGonfO{ vr{ u/L
afFsL /xg cfPsf] g]kfnL ?k}ofFFsf] /sd j/fj/sf] x'g] kl/jTo{ ljb]zL d'b|f lqe'jg cGt/f{li6«o
ljdfg:ynsf] k|:yfg sIfl:yt ;6xL sfp06/af6 lkmtf{ e'QmfgL lbg ;lsg] Joj:yf ul/Psf]
5 . t/, cd]l/sL 8n/ !)).– jf ;f] a/fj/;Dd x'g] g]kfnL ?k}ofFaf6 kl/jTo{ ljb]zL d'b|f ;6xL
193
ug{ FEER cfjZos kg]{ 5}g . o;/L lqe'jg cGt/f{li6«o ljdfg:ynsf] k|:yfgsIfl:yt ;6xL
sfp06/af6 kl/jTo{ ljb]zL d'b|f ;6xL lbFbf ;DalGwt ljb]zL gful/ssf] /fxbfgL / af]l8{Ë
kf;sf] k|ltlnlk clgjfo{ ?kdf lnO{ clen]v /fVg' kg]{5 .
-7_ o;/L ;6xL ePsf] kl/jTo{ ljb]zL d'b|fsf] o;};fy ;+nUg cg';"rL @&=# jdf]lhd FEER sf]
ljj/0f dlxgf ;dfKt ePsf] !% lbgleq o; ljefudf k]z ug{'kg]{5 .
-@_ ef/tLo d'b|fsf] sf/f]jf/ ug{ Ohfhtkqk|fKt ;a} lgsfox¿n] gub ef/tLo ?k}ofF vl/b ubf{ o;} ;fy
;+nUg ef/tLo ?k}Fof ;6xL /;Lb Indian Currency Purchase Receipt (ICPR) tyf laqmL ubf{ Indian
Currency Sales Receipt (ICSR) hf/L ug]{ u/fpg] ;DaGwdf ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!(
-;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt ;a} lgsfox?nfO{ of] kl/kq
hf/L ul/Psf] 5 .
-s_ s'g} klg JolQm;Fu ef/tLo d'b|f vl/b ugf{;fy cg';"rL @&=$ jdf]lhd ICPR cg';f/sf] ;Dk"0f{
Joxf]/f pNn]v u/L ;f]sf] klxnf] k|lt tTsfn} laqmLstf{nfO{ lbg'kg]{5 .
-v_ s'g} klg JolQmnfO{ ef/tLo d'b|f ljqmL ubf{ k|df0fsf] ?kdf laqmL /l;b÷a}+s ef}r/÷ICSR
cg';f/sf] ;Dk"0f{ Joxf]/f pNn]v u/L ;f]sf] klxnf] k|lt vl/bstf{nfO{ lbg'kg]{5 .
-u_ Pp6f ICPR/ ICSR k|ltdf Pshgf ;6xLstf{sf] gfd dfq pNn]v ug'{ kg]{5 / ;6xL u/L
;s]kl5 pNn]v ePsf ljj/0fx¿df s]/d]6 / yk36 ug{ ldNg] 5}g .
-3_ o;/L ;6xL ePsf] ef/tLo ?k}ofFsf] vl/b, laqmL / ;f]sf] ljj/0f o;};fy ;+nUg cg';"rL @&=^
jdf]lhd dlxgf ;dfKt ePsf] !% lbgleq o; ljefudf k]z ug{'kg]{5 .
194
cg';"rL @&=!
-O=k|f=kl/kq ;+Vof @& sf] bkmf !-em_ sf] k|of]hgsf] nflu_
FEER /;Lb eg]{ lgb]{zg
!= /fxbfgLdf pNn]v ePsf] k"/f gfd M
@= /fxbfgL g+= M
#= gful/stf M
$= /fxbfgLdf pNn]lvt 3/sf] 7]ufgf M
%= gub – -cIf/df n]Vg]_
^= ljb]zL d'b|f cÍdf – bzdnasf] cÍ ;d]t pNn]v ug]{,
&= ;6xL ug]{ lbgsf] k|rlnt ;6xL b/ -bzdna cÍ ;d]t pNn]v ug]{_
*= ljb]zL d'b|fnfO{ k|rlnt ;6xL b/af6 u'0fg ubf{ k|fKt hDdf /sd -?k}ofFFdf bzdna cÍ ;d]t pNn]v
ug]{_
(= ?k}ofFFsf] s'n hDdf /sd bzdna ;d]t pNn]v ug]{,
!)= Ohfhtk|fKt JolQmsf] gfd, 7]ufgf, b:tvt / 5fk M
!!= ljb]zL d'b|f v/Lb u/]sf] cIf/]kLdf klg pNn]v ug]{],
!@= u|fxssf] ;xL,
!#= g]kfndf a:g] 7]ufgf M
ljb]zL d'b|f ;6xL ubf{ Ps} JolQmaf6 b'O{ jf b'O{eGbf a9L ljb]zL d'b|f ;6xLsf] lgldQ k]z ePdf
FEER /;Lb 5'6f5'§} eg'{kg]{5 . h:t}M– cd]l/sL 8n/ / :6ln{Ë kfp08 k]z ePdf b'O{j6f 5'§f5'§} /;Lb sf6\g'
kg]{5 .
195
cg';"rL @&=@
-O=k|f=kl/kq ;+Vof @& sf] bkmf -!_ sf] k|of]hgsf] nflu_
FOREIGN EXCHANGE ENCASHMENT RECEIPT
SERIAL NO:
DATE:
We hereby certify that we have purchased to-day foreign currency as mentioned below
from Mr/Mrs/Miss Passport No.
Nationality Home Address
Particular
Cash
Currency
Amount
Rate Rupee
Equivalent
Authorized Dealer's Name, Address,
Stamp and Signature
Total Rs.
Foreign Currency in words
Customer's Signature: Local Address:
PLEASE READ IMPORTANT INFORMATION OVERLEAF
196
ENDORSEMENT TO BE MADE BY AUTHORISED
DEALER ACCEPTING THEIR BILL IN RUPEES
IMPORTANT INFORMATION:
(1) According to the Nepalese Law, it is illegal to deal in foreign exchange with a person other
than an authorized dealer.
(2) You must obtain proper receipt whenever you exchange money.
(3) The Nepalese Rupees balance remaining with you (not for Nepalese and Indian) will be
converted back into US $ at the departure Exchange counter at the Tribhuvan International
Airport up to 15% of the total foreign currency exchange, at the time of your departure, on
submission of this receipt.
(4) The receipt marked "USED" will not be considered for refund.
THIS EXCHANGE RECEIPT SHOULD BE CAREFULLY PRESERVED WHEN YOU
ARE IN NEPAL
S.No.
Date
Kind of
service
Bill Balance
after billing
in Rs.
Authorized dealer's
Name, Address, Stamp &
Signature
No. & date Rs.
1
2
197
cg';"rL @&=#
lj=lj=lg=kmf=g+= %
-O=k|f=kl/kq ;+Vof @& sf] bkmf !-7_ sf] k|of]hgsf] nflu_
FOREIGN EXCHANGE ENCASHMENT RECEIPT STATEMENT
PERIOD: From..................... to ................................ Date
DATE NAME OF
GUEST
FEER No.
AMOUNT PURCHASED
FROM CHEQUE/
CASH
AMOUNT SOLD
TO BANK
BALANCE AT
END OF
DAY
REMARKS
TOURIST OTHER
PREPARED BY :
NAME :
ADDRESS :
STAMP :
198
cg';"rL @&=$
-O=k|f=kl/kq ;+Vof @& sf] bkmf @-s_ sf] k|of]hgsf] nflu_
INDIAN CURRENCY PURCHASE RECEIPT(ICPR)
SERIAL NO:
DATE:
We hereby certify that we have purchased to-day indian currency as mentioned below
from Mr/Mrs/Miss Citizenship/Passport/ID No.
Nationality Home Address
Particular
Cash
Indian
Currency
Amount
Rate Rupee
Equivalent
Authorized Dealer's Name, Address,
Stamp and Signature
Total Rs.
Indian Currency in words
Customer's Signature: Local Address:
Contact No.
IMPORTANT INFORMATION:
(1) According to the Nepalese Law, it is illegal to deal in foreign exchange with a person other
than an authorized dealer.
(2) You must obtain proper receipt whenever you exchange money.
(3) This exchange report Should be carefully preserved for the reference
199
cg';"rL @&=%
-O=k|f=kl/kq ;+Vof @& sf] bkmf @-v_ sf] k|of]hgsf] nflu_
INDIAN CURRENCY SALES RECEIPT (ICSR)
SERIAL NO:
DATE:
We hereby certify that we have sold to-day indian currency as mentioned below to
Mr/Mrs/Miss Citizenship/Passport/ID No.
Nationality Home Address
Particular
Cash
Rupee Rate Indian
Currency
Amount
Authorized Dealer's Name, Address,
Stamp and Signature
Total INR
Indian Currency in words
Customer's Signature: Local Address:
Contact No.
IMPORTANT INFORMATION:
(1) According to the Nepalese Law, it is illegal to deal in foreign exchange with a person other
than an authorized dealer.
(2) You must obtain proper receipt whenever you exchange money.
(3) This exchange report Should be carefully preserved for the reference
200
cg';"rL @&=^
-O=k|f=kl/kq ;+Vof @& sf] bkmf @-3_ sf] k|of]hgsf] nflu_
Ohfhtkqk|fKt ;a} lgsfox?sf] ef=?= sf/f]jf/sf] ljj/0f
INDIAN CURRENCY PURCHASES/SALES STATEMENT
PERIOD: From..................... to ................................ Date
DATE NAME OF
GUEST
ICER No.
ICSR NO.
AMOUNT PURCHASE
AMOUNT SALES
AMOUNT SOLD
TO BANK
BALANCE AT END OF DAY (INR)
REMARKS
INR INR
COMPANY NAME :
ADDRESS :
PREPARED BY :
STAMP :
201
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@*÷@)&$
;DklQ z'4Ls/0f ;DaGwL Joj:yf
g]kfn /fi6« a}+saf6 cg'dlt k|fKt d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx? / ljk|]if0f tyf d'b|f
:yfgfGt/0f ;DaGwL sfo{ ug]{ ;+:yfnfO{ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df nufgL ug]{ sfo{ lgjf/0f
ug]{ ;DaGwdf lgb]{zg hf/L ug{ jf~5lgo ePsf]n] ;f] ;DaGwdf b]xfo adf]lhd ug{' u/fpg'x'g ljb]zL
ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6«
a}+s, a}lsË sfof{no nufot cGo sfof{no / Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo
;+:yfx¿, Ohfhtkqk|fKt dlgr]~h/÷xf]6n÷6«fen P08 6';{÷6«]lsË÷sfuf]{÷c:ktfn÷ Po/nfOG;, ljk|]if0f
tyf d'b|f :yfgfGt/0f ;DaGwL sfo{ ug]{ ;+:yfx? nufot cGo ;a} Ohfhtkqk|fKt ;+:yf tyf
lgsfox?nfO{;DkQL z'4Ls/0f ;DaGwL of] lgb]{zg hf/L ul/Psf] 5 .
-s_ d'b|f ;6xL ;DaGwL sfo{ ug]{ ;+:yfx?nfO{ lgb]{zg M
kl/R5]b — !
kl/efiff
!= ljifo jf k|;Ën] csf]{ cy{ gnfu]df of] lgb]{zgdfM
-s_ æu|fxs d"NofÍg k4ltÆ eGgfn] o; lgb]{zgdf tf]s] adf]lhdsf] u|fxs d"NofÍg k4lt
-Customer Due Diligince_ nfO{ ;Demg' kb{5 .
-v_ ælxtflwsf/LÆ eGgfn] s'g} u|fxssf] dflns jf clGtd?kdf lgoGq0f ug]{ k|fs[lts JolQm
-h;sf] nflu nfe k'Ug] u/L sf/f]jf/ ul/G5_ ;Demg' kb{5 . of] zAbn] s'g} sfg"gL JolQm jf
Joj:yfkgnfO{ lgoGq0fdf /fVg] clGtd clwsf/ k|of]u ug]{ JolQmnfO{ ;d]t hgfpF5 .
-u_ æljQLo hfgsf/L OsfOÆ eGgfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf]
bkmf ( adf]lhd u7g ePsf] ljQLo hfgsf/L OsfOnfO{ ;Demg' kb{5 .
-3_ æpRr kb:y JolQmÆ eGgfn] g]kfn jf s'g} ljb]zL d'n'sdf /fhg}lts, Joj;flos,
;fdflhs, ljQLo, k|zf;lgs, Jofkfl/s, cf}Bf]lus If]qdf pRr txdf sfo{/t jf sfo{
ul/;s]sf, pRr ;fj{hlgs lhDd]jf/Ldf /x]sf jf /lx;s]sf /fi6« k|d'v, ;/sf/ k|d'v,
dGqL, pRr kb:y lghfdtL, k|x/L tyf ;}lgs sd{rf/L, ;/sf/L :jfldTjdf /x]sf ;+:yfg
tyf :jfoQ ;+:yfsf kbflwsf/L, lghL If]q tyf ;fdflhs If]qsf pRr kb:y kbflwsf/L,
/fhlglts bnsf pRr kb:y g]tfx? ;Demg' kb{5 . of] zAbn] To:tf JolQmsf kl/jf/sf
;b:o tyf glhssf ;xof]uL ;d]tnfO{ hgfp5 .
-ª_ æFATFÆ eGgfn] kmfOgflG;on PS;g 6f:s kmf]z{ -Financial Action Task Force_ ;Demg'
kb{5 .
-r_ æljB'tLo dfWodaf6 :yfgfGt/0fÆ eGgfn] ljB'tLo dfWodsf] k|of]u u/L s'g} a}+s, ljQLo
;+:yf, ljk|]if0f, :yfgfGt/0f sfo{ ug]{ ;+:yf dfkm{t s'g} JolQmsf] /sd Ps :yfgaf6 csf]{
202
:yfgdf k7fpg] sfo{nfO{ ;Demg' kb{5 . -o;/L /sd k7fpg] / k|fKt ug]{ JolQm Pp6} jf
cnu cnu x'g ;Sb5g ._
-5_ æpTklQstf{Æ eGgfn] vftfjfnf jf vftf geP klg s'g} a}+s, ljQLo ;+:yf, ljk|]if0f /
:yfgfGt/0f sfo{ ug{] ;+:yfnfO{ Ps :yfgaf6 csf]{ :yfgdf ljB'tLo dfWodaf6 /sd
:yfgfGt/0f ug{ cg'/f]w ug]{ JolQm ;Demg' k5{ .
-h_ æck/flws cfh{gÆ eGgfn] s'g} k|ToIf jf ck|ToIf?kdf s'g} ck/flws sfo{af6 k|fKt ePsf]
;DklQ jf cfly{s nfe ;Demg' kb{5 . ;fy}, of] zAbn] To:tf] ;DklQaf6 a9] a9fPsf] jf
k"0f{ jf cf+lzs?kn] :j?k kl/jt{g u/]sf] ;DklQnfO{ ;d]t hgfpF5 .
kl/R5]b — @
gLlt, k|lqmof / cEof;
@= ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL sfo{sf] lgoGq0f Pjd\ lg/f]k0fsf
nflu ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt _, ;DklQ z'4Ls/0f lgjf/0f lgodfjnL,
@)^^ / o; lgb]{zgn] tf]s] adf]lhd ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] cfjZos gLlt, k|lqmof /
cEof;sf] th{'df tyf sfof{Gjog ug'{ kg]{5 .
#= bkmf @ adf]lhd nfu' ul/Psf] gLlt, k|lqmof / cEof;df d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn]
cfˆgf] Joj;fo tyf sf/f]jf/sf] dfqf tyf k|s[lt emNsg] u/L tof/ ug'{ kg]{5 . ;DklQ z'4Ls/0f
tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ ;DaGwL ck/fw x'g] hf]lvd sd 5 egL ;DalGwt d'b|f
;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] /fi6« a}+sdf lgj]bg lbPdf /fi6« a}+sn] hf]lvddf cfwfl/t eO{
o; lgb]{zgsf] sfof{Gjog ug{df cfjZos 5'6 lbg ;Sg]5 .
$= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] tof/ ug]{ gLlt, k|lqmof / cEof;df slDtdf b]xfosf
ljifosf ;DaGwdf cfjZos tyf pko'Qm Joj:yf ug'{ kg]{5 M
-s_ hf]lvddf cfwfl/t k|lqmof ;lxt u|fxssf] u|fxs d"NofÍg k4lt -Customer Due Diligince_
nfO{ cfjZostf cg';f/ nfu' ug]{
-v_ u|fxssf] cBfjlws clen]v sfod ug]{
-u_ sf/f]jf/ tyf cGo ljj/0f ;'/lIft /fVg]
-3_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ tyf o; lgb]{zgsf] bkmf @# cg';f/ ljQLo hfgsf/L
OsfOdf ;Ldf ;DaGwL sf/f]jf/ ljj/0f k7fpg]
-ª_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$, ljQLo hfgsf/L OsfOaf6 hf/L ul/Psf lgb]{zg tyf
o; lgb]{zgsf] bkmf @& n] tf]s] cg'?ksf z+sf:kb sf/f]jf/sf] ljj/0f ljQLo hfgsf/L
OsfOdf k7fpg] /
-r_ o; lgb]{zgsf] kfngf ug{ cfjZos kg]{ cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0fsf
pkfox?sf] th{'df ug]{
kl/R5]b — #
hf]lvddf cfwfl/t k|0ffnLsf] k|of]u u/L u|fxs d"NofÍg
k4lt -Customer Due Diligence_ sfod ug]{ .
%= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ug]{ u|fxs d"NofÍg k4lt -Customer Due Diligence_ n]
b]xfosf s'/fx? ;dfj]z ug'{ kg]{5
-s_ u|fxs / u|fxssf] lxtflwsf/Lsf] klxrfg ug]{
-v_ u|fxs / u|fxssf] lxtflwsf/Lsf] af/]df cfjZos ;"rgf ;+sng ug]{ / cfjZostf cg';f/
u|fxssf] hf]lvd ljj/0f tof/ ug]{
203
-u_ gofF u|fxsx? :jLsf/ ug]{ gLlt nfu' ug]{
-3_ u|fxs / u|fxssf] lxtflwsf/Lsf] ;"rgf tyf ljj/0f lgoldt?kdf cBfjlws ug]{
-ª_ u|fxssf] sf/f]jf/sf] ljj/0f tyf lgh;Fusf] ;DaGwnfO{ lgoldt?kdf cg'udg ug]{ .
^= hf]lvdsf cfwf/df cyf{t pRr hf]lvddf /x]sf u|fxssf] nflu kl/:s[t tyf sd hf]lvddf /x]sf
u|fxssf] nflu ;fdfGo u|fxs d"NofÍg k4ltsf] nfu' ug'{ kg]{5 . hf]lvddf cfwfl/t u|fxs d"NofÍg
k4lt nfu' ug]{ ;DaGwdf o; lgb]{zgsf] kl/R5]b !) df yk :ki6 ul/Psf] 5 .
kl/R5]b — $
u|fxssf] klxrfg
&= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] a]gfdL tyf sfNklgs gfddf sf/f]jf/ ug]{ jf ug{ vf]Hg]
s'g} klg JolQm;Fu sf/f]jf/ ug{ x'b}g .
*= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] cfˆgf u|fxs tyf lxtflwsf/Lsf] jf:tljs kl/ro yfxf
kfpg' kg]{5 . u|fxs eGg] zJbn] b]xfosf JolQmx?nfO{ hgfpF5 M
-s_ Joj;flos ;DaGw ePsf
-v_ Ps k6s jf k6s] ?kdf o; lgb]{zgsf] bkmf @# df tf]lsPsf] ;Ldf jf ;f] eGbf a9L
sf/f]jf/ ug]{
-u_ sf/f]jf/ ubf{ s'g} ;dodf ;f] JolQm ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL
;DaGwL sfo{df ;+nUg ePsf] jf x'g ;Sg] cf+zsf /x]sf] sf/f]jf/ jf Joj;fodf ;+nUg
ePsf]
(= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf s'g} klg ;dodf u|fxssf] pko'Qm klxrfg ug{
cfjZos kl/ro lng] / ;f]sf] plrt k/LIf0f u/L /]s8{ ;d]t sfod ug{'kg]{5 .
-s_ Joj;flos ;DaGwsf nflu cg'/f]w ubf{,
-v_ lgZrt ;Ldf leqsf] k6s] sf/f]jf/ ubf{,
-u_ s'g} JolQm z+sf:kb sf/f]jf/ jf sfo{df ;+nUg ePsf] kfOPdf, /
-3_ s'g} JolQmsf] ;DaGwdf klxn] g} k|fKt ul/;s]sf] klxrfg ;DaGwL sfuhftdf s'g} z+sf jf
låljwf pTkGg ePdf .
kl/R5]b — %
u|fxssf] hf]lvd ljj/0f tof/ ug]{
!)= cfkm\gf k|To]s u|fxsdf lglxt hf]lvdsf] ljj/0f o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt k"/f ug{
;lsg] u/L /fVg' kg]{5 . o:tf] ljj/0fdf u|fxssf] af/]df k|of{Kt hfgsf/L x'gsf ;fy} pQm u|fxsn]
;+:yf;Fu /fVg vf]h]sf] ;DaGw / cfjZos eP /sd tyf ;DklQsf] ;|f]tsf] af/]df ;d]t pNn]v ug{'
kg]{5 .
kl/R5]b — ^
gofF u|fxssf] :jLsf/
!!= o; lgb]{zg adf]lhd cfˆgf] jf lxtflwsf/Lsf] kl/ro v'nfpg jf k'li6 x'g g;Sg] jf hf]lvd ljj/0f
tof/ ug{ kof{Kt ;"rgf ;+sng ug{ g;lsg] s'g} JolQmnfO{ u|fxssf] ?kdf :jLsf/ ug{ x'b}g . o:tf]
cj:yfdf ;+:yfn] ljQLo hfgsf/L OsfO{n] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf @& cg';f/
z+sf:kb sf/f]jf/sf] ?kdf lnO{ ;f]sf] ljj/0f k7fpg' kg]{5 .
204
kl/R5]b — &
u|fxssf] ;"rgf lg/Gt/?kdf sfod /fVg]
!@= cfˆgf u|fxsx?sf ;DaGwdf lg/Gt/ cfjZos ;"rgf / ljj/0f ;+sng u/L /fVg' kg]{5 . u|fxs
d"NofÍg k4lt -CDD) k|lqmof cGt/ut ;+sng ul/Psf sfuhft, tYof+s, jf ;"rgfx? d'b|f ;6xL
;DaGwL sf/f]jf/ ug]{ ;+:yfn] lglZrt ;dodf cfjZos ;dLIff u/L ;f]sf] ljj/0f Jojl:yt tl/sfn]
/fVg' kg]{5 .
kl/R5]b — *
u|fxssf] sf/f]jf/sf] lg/Gt/?kdf cg'udg ug]{
!#= cfˆgf u|fxsx?sf] sf/f]jf/ / pgLx?;Fusf] ;DaGwsf] lg/Gt/ cg'udg ug'{ kg]{5 . o:tf] cg'udgn]
d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] klxrfg u/] cg'?k g} u|fxsn] sf/f]jf/ u/] gu/]sf] s'/f
tyf u|fxssf] hf]lvd ljj/0f, cfjZostf cg';f/ /sd jf ;DklQsf] ;|f]t, / klxn] g} lgwf{/0f
ul/Psf] /sd jf sf/f]jf/sf] ;Ldf / k|sf/ ;d]tnfO{ ;d]6g' kg]{5 .
!$= ;j} h6Ln sf/f]jf/, cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf b]lvg] jf c:jefljs
k|s[ltsf sf/f]jf/nfO{ ljz]if lgu/fgLsf ;fy x]g'{ kg]{5 . o:tf sf/f]jf/sf] p2]Zo tyf cfwf/x? kQf
nufO{ To:tf] hfgsf/L lnlvt ?kdf /fVg' kg]{5 . o:tf] hfgsf/L ljQLo hfgsf/L OsfO{,
n]vfk/LIfs Pjd\ cGo ;Ifd lgsfon] k/LIf0f ug{ ;Sg] u/L kfFr jif{ ;Dd ;'/lIft /fVg' kg]{5 .
s'g} sf/f]jf/nfO{ cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf jf c:jefljs k|s[ltsf
sf/f]jf/ egL kQf nufO{ ;s]kl5 To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zg /
o; lgb]{zgsf] bkmf @& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf klg k7fpg' kg]{5 .
kl/R5]b — (
u|fxs;Fusf] ;DaGwsf] ;dflKt
!%= s'g} gofF u|fxssf] o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt ;DkGg ug{ g;Sg] cj:yf ljBdfg
ePdf To:tf u|fxs;Fusf] ;DaGwnfO{ ;dfKt u/L To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L OsfOn] hf/L
u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf @& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf klg k7fpg' kg]{5 .
kl/R5]b — !)
sd hf]lvdo'Qm u|fxsx?sf nflu ;/n u|fxs
d"NofÍg k4lt cjnDag ug{ ;Sg]
!^= cfkm"n] u/]sf] lnlvt hf]lvd d"NofÍgsf cfwf/df sd hf]lvdo'Qm u|fxssf] ;/n u|fxs d"NofÍg
k4lt cjnDjg ug{ ;Sg]5g . o:tf] k4lt cjnDag ubf{ cfjZos kg]{ sfuhft / hf]lvd
lgwf{/0fsf cfwf/x? af/]df g]kfn /fi6« a}+saf6 dfu eO{ cfPdf pknJw u/fpg' kg]{5 .
!&= ;fdfGotof ;j} u|fxsx?sf nflu o; lgb]{zgdf pNn]lvt u|fxs d"NofÍg k4lt cjnDag ug{' kg]{5
. s]xL kl/l:yltx?df ;+:yfn] u/]sf] d"NofÍgdf ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo
nufgL ug]{ hf]lvd sd /x]sf], ;DalGwt u|fxs / lxtflwsf/Lsf] af/]df ;fj{lhlgs ?kdf g} hfgsf/L
pknJw ePsf], jf /fli6«o k|0ffnLdf pko'Qm lgoGq0f / k/LIf0fsf] Joj:yf /x]sf] cj:yfdf ;/n
u|fxs d"NofÍg k4lt cjnDag ug{ ;lsg]5 .
!*= hf]lvd sd ePsf u|fxs tyf sf/f]jf/sf] jf pTkfbgx?sf] pbfx/0fsf] ?kdf b]xfo adf]lhdsf
u|fxs, sf/f]jf/x? kg{ ;Sg]5g M
205
-s_ cGo lgodgdf /x]sf ;+:yfx? -g]kfn /fi6« a}+sn] ;'kl/j]If0f ug]{_
-v_ o; lgb]{zgsf] bkmf !% df pNn]v eP cg'?k pko'Qm lgodg / ;'kl/j]If0f cGt/ut /x]sf
ljb]zL ljQLo ;+:yfx?
-u_ g]kfn lwtf]kq af]8{n] lgodg ug]{ :6s PS;r]Ghdf ;"lrs[t ePsf] kaLns sDkgL /
ljQLo hfgsf/L OsfOn] :jLs[t u/]sf / k|sfzg -Disclosure_ ;DaGwL pko'Qm lgodg /
;'kl/j]If0f cGt/ut /x]sf ljb]zL :6s PS;r]Ghdf ;'rLs[t ePsf kaLns sDkgLx?
-3_ ? !),))).– eGbf sd jflif{s sf/f]jf/ ePsf ;fgf u|fxsx? .
!(= u}/ cfjf;Lo tyf ljb]zL sDkgLx?sf] xsdf To:tf sDkgLx? /x]sf] :yfg jf d'n'sn] ;DklQ
z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf
cGt/f{li6«o dfkb08x?sf] kfngf u/]sf] x'g'kg]{ 5 . d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn]
;DalGwt d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{
;DaGwdf /x]sf cGt/f{li6«o dfkb08x?sf] kfngf u/] gu/]sf] ;DaGwdf lgwf{/0f ubf{ g]kfn /fi6«
a}+sn] k|sflzt u/]sf] ;"rL jf k|ltj]bg, FATF, APG, IMF, World Bank h:tf lgsfox?sf
j]e;fO{6df k|sfzg ePsf ljj/0fsf cfwf/df ug'{ kg]{5 .
@)= g]kfn /fi6« a}+sn] s'g} d'n's jf If]qn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{
sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o dfkb08x?sf] kfngf gu/]sf] egL hfgsf/L
u/fPsf] jf ljZj:t :jtGq ;"rgfx?sf cfwf/df ;DalGwt ;+:yfn] g} ;DklQ z'4Ls/0f tyf
cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o
dfkb08x?sf] kfngf gu/]sf] elg kQf nufPsf] jf cGo s'g} sf/0fn] ;f] ;DaGwL hf]lvd /x]sf] egL
z+sf ug'{ kg]{ sf/0f ePsf :yfgdf cfwfl/t u|fxssf] xsdf eg] ;/n u|fxs d"NofÍg k4lt nfu'
ug{ x'b}g .
kl/R5]b — !!
clen]v ;'/lIft tl/sfn] /fVg]
@!= :jb]zL tyf ljb]zL ;j} sf/f]jf/ tyf ljQLo hfgsf/L OsfOnfO{ k7fPsf ;Ldf tyf z+sf:kb
sf/f]jf/x?sf] clen]v sf/f]jf/ ePsf] ldltn] slDtdf kfFr jif{;Dd ;'/lIft ?kdf /fVg' kg]{5 . of]
Joj:yf ;DaGw sfod ePsf jf sf/f]jf/ rfn' /x]sf jf ;dfKt ePsf b'j} cj:yfdf nfu' x'g]5 .
@@= sf/f]jf/sf] ljj/0f k|To]s sf/f]jf/ k"0f{ klxrfg ug{ ;lsg] / cfjZos kbf{ kmf}hbf/L cleof]udf
cleof]hg ubf{ k|df0fdf lng ;Sg] lsl;dn] /fVg' kg]{5 . To:tf] sf/f]jf/ ljj/0fdf b]xfosf s'/fx?
;dfj]z ug'{ kg]{5 M
-s_ u|fxssf] -lxtflwsf/L ;d]t_ sf] gfd, 7]ufgf -klxrfg ;DaGwL cGo dWo:yåf/f /flvPsf]
ljj/0f_
-v_ sf/f]jf/sf] k|s[lt / ldlt
-u_ k|of]u ePsf] d'b|fsf] k|sf/ / dfqf
-3_ sf/f]jf/df k|of]u ePsf] vftf gDj/ / ;f]sf] k|sf/
kl/R5]b — !@
;Ldf sf/f]jf/ ljj/0f k7fpg' kg]{
@#= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf ;Ldf leqsf] ?k}ofFF tyf ;f] a/fa/sf] ljb]zL
d'b|fsf] sf/f]jf/sf] ljj/0f To:tf] sf/f]jf/ ePsf] ldltn] !% lbg leq cg';'rL–@ sf] 9fFrfdf ljQLo
hfgsf/L OsfO ;dIf k]z ug'{ kg]{5 .
206
-s_ s'g} u|fxsn] Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] cd]l/sL 8n/ kfFr xhf/ jf
;f] eGbf j9L /sdsf] ;6xL sf/f]jf/
@$= tf]lsPsf] ;Ldf eGbf a9Lsf] sf/f]jf/ ug]{ u|fxs, To:tf] sf/f]jf/ jf /sdsf] ;|f]t ;d]t pNn]v u/L
5'§} /lhi6/ v8f u/L /fVg' kg]{5 .
@%= olb s'g} sf/f]jf/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ p2]Zon] ul/Psf] egL
d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfnfO{ nfu]df To:tf] sf/f]jf/ dfly pNn]lvt ;Ldf eGbf dflysf]
eP jf geP klg ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf @& cg';f/
z+sf:kb sf/f]jf/sf] ?kdf klg ljQLo hfgsf/L OsfOdf k7fpg kg]{5 .
@^= bkmf @# / @% cg'?ksf ljj/0fx? ljQLo hfgsf/L OsfOn] tf]s] adf]lhd ljB'tLo jf cGo
dfWodaf6 k7fpg ;lsg]5 .
kl/R5]b — !#
z+sf:kb sf/f]jf/sf] ljj/0f k7fpg]
@&= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf]
bkmf & cg'?k s'g} /sd b]xfo adf]lhd /x]sf] z+sf nfu]df jf z+sf ug'{ kg]{ kof{Kt cfwf/ ePdf
;f]sf] ljj/0f ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .
-s_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s]sf] ck/fw jf ck/flws
cfh{g;Fu hf]l8Psf] jf ;DalGwt /x]sf], jf
-v_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s] adf]lhd cft+safb,
cft+sjfbL sfo{, cft+sjfbL ;+u7g, jf cft+sjfbL sfo{df nufgL;Fu hf]l8Psf] jf ;DalGwt
/x]sf]
-u_ ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zgdf tf]lsPsf cfwf/df z+sf:kb b]lvPsf]
@*= ;j} z+sf:kb /sd tyf sf/f]jf/ / sf/f]jf/sf] k|of; ;d]tsf] ljj/0f k7fpg' kg]{5 . ljj/0f k7fpg]
bfloTj cGo s'g} lsl;dn] 5'6 x'g]5}g .
@(= ;+:yfn] z+sf:kb b]lvg] ljlQs} z+sf:kb sf/f]jf/sf] ljj/0f oyfzSo rfF8f] k7fpg' kg]{5 .
#)= z+sf:kb sf/f]jf/ jf ;f]sf] k|of; ;d]tsf] ljj/0fdf o; lgb]{zgsf] cg';"rL—# df lbOPsf] 9fFrfdf
ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .
kl/R5]b — !$
cglws[t JolQmnfO{ ;"rgf lbg k|ltjGw
#!= ;"rgf lbg] Joj:yf ;DaGwdf b]xfo adf]lhd x'g]5 M
-s_ d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yf, ;f]sf ;~rfns, kbflwsf/L / sd{rf/Lx? -:yfO{ /
c:yfO{_ s;}n] klg ljQLo hfgsf/L OsfOdf k7fPsf] ;Ldf jf z+sf:kb sf/f]jf/ jf ;DklQ
z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ ;DaGwL ck/fwsf] ;DaGwdf ePsf] jf
eO{/x]sf] cg';Gwfg jf cGo ;Dj4 ;"rgfx? v08 -v_ df pNn]v ePsf] cj:yfdf /
k|rlnt sfg"gn] tf]s]sf] cj:yfdf afx]s s'g} klg lsl;dn] JoQm ug'{ jf k|s6 ug{' x'b}g .
-v_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ sf] s'g} Joj:yfsf] sfof{Gjo ul//x]sf] lgsfon] dfu
u/]sf avt To:tf] hfgsf/L k|bfg ug'{ kg]{5 .
-u_ s;}n] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -k|yd ;+zf]wg @)^* ;lxt_ sf] k|zf;gsf]
nflu afx]s z+sf:kb sf/f]jf/sf] ljj/0f tof/ ug]{, ljQLo hfgsf/L OsfO jf cGo ;/sf/L
lgsfonfO{ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ug]{ sfo{sf]
nflu ljj/0f k7fpg] JolQmsf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg s'/f ;+s]t jf k|s6
ug'{ x'b}g .
207
-3_ s;}n] klg Gofosf] k|of]hgsf nflu cfjZos ePsf] egL Gofolwz jf d'2f x]g]{ clwsf/Ln]
k|s6 ug{ cfb]z lbPsf]df afx]s z+sf:kb sf/f]jf/sf] ljj/0f jf ;f]df ;dfj]z ePsf cGo
hfgsf/L jf ;f];Fu k|bfg ul/Psf cGo hfgsf/L, To:tf] ljj/0f tof/ ug]{, ljj/0f k7fpg]
JolQmx?sf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg ljj/0f lbg x'b}g .
#@= ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_, lgod @)^^ tyf o; lgb]{zgsf] Joj:yf
cg'?k ;blgot ;fy ljj/0f k7fPsf] jf hfgsf/L lbPsf] sf/0fn] s'g} klg ;"rs ;+:yf jf To;sf
;~rfns, kbflwsf/L, ;fem]bf/, k]zfut Joj;foL jf sd{rf/LnfO{ a}+lsË jf cGo s'g} klg k]zfut
uf]Kotf e+u u/]sf] cf/f]kdf s'g} klg kmf}hbf/L, b]jfgL, cg'zf;gfTds jf k|zf;sLo sf/jfxL x'g]
5}g .
kl/R5]b — !%
cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0f
##= o; lgb]{zgsf] kfngf x'g] u/L cfjZos cfGtl/s gLlt, k|lqmof, tyf lgoGq0f k|0ffnLsf] th'{df u/L
nfu' ug'{ kg]{5 . To;n] slDtdf ;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ
z'4Ls/0f lgjf/0f lgod @)^^ sf Joj:yfx? ;d]6g' kg]{5 .
#$= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfsf] ;~rfns ;ldltn] slDtdf tLg dlxgfsf] Ps k6s
;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgod @)^^ / o;
lgb]{zgsf Joj:yfx?sf] sfof{Gjogsf] cj:yfsf] af/]df ;dLIff ug'{ kg]{5 . cfly{s jif{ z'? ePsf]
klxnf] dlxgfsf] cfwf/df k|To]s tLg dlxgfdf To:tf] ;dLIff ljQLo hfgsf/L OsfOdf k]z ug'{
kg]{5 .
#%= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL
ug]{ ;DaGwL ck/fwsf] lgoGq0f ;DaGwdf cfjZos ;"rgfx? cfk;df cfbfg k|bfg ug'{ kg]{5 .
#^= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] oL gLlt, k|lqmof tyf lgoGq0fsf ;+oGqx?sf] sfof{Gjog
eP gePsf] k/LIf0f ug]{ ;DaGwdf cfjZos ;|f]t tyf :jtGq n]vfk/LIf0f -gd'gf k/LIf0f ;d]t_
;DaGwL Joj:yf ug'{ kg]{5 .
#&= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df x'g] nufgL
lgoGq0f ug{ ljsl;t eO{ /x]sf ;+oGqx? / ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df k|of]u eO{
/x]sf tl/sf / k|j[ltx?, ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df x'g] nufgL ;DaGwL ck/fw
lgoGq0f ug{ ag]sf sfg"gsf] sfo{Gjog ug{ k"/f ug'{ kg]{ bfloTj, u|fxs klxrfg k|lqmof / z+sf:kb
sf/f]jf/sf] ljj/0f k7fpg] ;d]tsf af/]df cfˆgf sd{rf/Lx?nfO{ cfjZos tflnd Pjd\ hfgsf/L
lbg] Joj:yf lg/Gt/ ?kdf ug'{ kg]{5 .
#*= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] sd{rf/L 5gf}6 ubf{ pko'Qm dfkb08 ;lxtsf] 5gf}6
k|lqmof cjnDjg ug'{ kg]{5 .
kl/R5]b — !^
sf/jfxL / ;hfo
#(= o; lgb]{zgsf] s'g}klg Joj:yfsf] pNn+3g ug]{ JolQm÷;+:yf÷kbflwsf/L sf/jfxLsf] eflubf/
x'g]5 .
$)= o; lgb]{zgsf] Joj:yf sfof{Gjog gug]{ ;+:yfx?nfO{ ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( / ;f]
cGt/ut ag]sf lgod, ljlgod adf]lhdsf] hl/jfgf jf tf]lsPsf cGo sf/jfxL x'g]5 .
$!= bkmf $) adf]lhdsf P]g lgod tyf ljlgodx?df hl/jfgf tyf sf/jfxLsf ;DaGwdf :ki6 pNn]v
gePsf] cj:yfdf ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ tyf ;f] cGtu{t hf/L
ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd tf]lsPsf] ;dodf ljQLo hfgsf/L OsfO{nfO{
208
ljj/0f pknAw gu/fpg] d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx?nfO{ pQm ;DklQ z'4Ls/0f
lgjf/0f P]g @)^$ -;+zf]wg ;lxt_ sf] bkmf #! adf]lhd g]kfn /fi6« a}+sn] hl/jfgf ug{ ;Sg]5 .
o; lgb]{zgsf] cg';"rL @ / # adf]lhdsf] ljj/0f k7fpbf b]xfo adf]lhdsf] 7]ufgfdf k7fpg' kg]{5 .
g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO{
afn'jf6f/, sf7df08f}
kmf]gM $$!(*)$,$$!(*)%,$$!(*)& -Ext. $!$,$!&,$!*_
km\ofS;M $$$!)%!, Od]nM [email protected]
209
-O=k|f=kl/kq ;+Vof @* -s_ sf] k|of]hgsf] nflu_
cg';"rL !
u|fxssf] d"NofÍg k4lt -klxrfg_ sfod ug]{ sfo{ljlw M
-s_ k"/f gfd / 7]ufgf
-v_ gful/stfsf] k|df0fkq, /fxbfgL, /fli6«otf v'Ng] kl/rokq, -ef/tLo d'b|fdf x'g] vl/b ljqmLdf_
-u_ /fxbfgL / k|j]zf1fsf] k|ltlnlk -kl/jTo{ ljb]zL d'b|fdf x'g] vl/bdf_
-3_ :yfO{÷c:yfoL 7]ufgf
-ª_ 6]lnkmf]g gDa/ M
-r_ ;6xL ul/g] /sdsf] ;|f]t
-5_ cfjZostf cg';f/ u|fxs;Fusf] cGt/jftf{
-h_ cGo cfjzos sfuhftx? -;DalGwt ;+:yf :jo+n] tf]Sg ;Sg]
210
-O=k|f=kl/kq ;+Vof @* -s_ sf] k|of]hgsf] nflu_
cg';"rL @
Threshold Transaction Report (TTR) Form for MSBs
Name of Reporting Institution:
S.N
.
Name and
address of the
customer(includin
g legal person)
Branc
h
Date of
Transactio
n
Nature of
Transactio
n
Accoun
t
Type
and No.
Amount
Involve
d
Sourc
e
of Fund
Remark
s
Signature :
(Compliance Officer or authorized
officer)
Name :
Designation :
Phone :
Email :
Fax :
Date :
211
-O=k|f=kl/kq ;+Vof @* -s_ sf] k|of]hgsf] nflu_
cg';"rL #
Suspicious Transaction Report and Internal Record Form for Money Changers
Name of Reporting Institution:
S.
N
Name and address of the
Customer (with passport
number & visa or citizenship, or national Id,
etc.)
Name and address of
the sendor (with
passport number & visa or citizenship, or
national Id,etc.)
Date of
Transaction
Source
of
Money
Amount
Involved
in
NPR
Reasons
for
Suspicion
Signature
for
Internal
Recording
Remarks
Signature :
(Chief/Authorized Person)
Name :
Designation :
Phone :
Email :
Fax :
Date :
212
-v_ ljk|]if0f tyf d'b|f :yfgfGt/0f ;DaGwL sfo{ ug]{ ;+:yfx?nfO{ lgb]{zg M
kl/R5]b — !
kl/efiff
!= ljifo jf k|;Ën] csf]{ cy{ gnfu]df of] lgb]{zgdf M
-s_ æu|fxs d"NofÍg k4ltÆ eGgfn] o; lgb]{zgdf tf]s] adf]lhdsf] u|fxs d"NofÍg k4lt
-Customer Due Diligence_ nfO{ ;Demg' kb{5 .
-v_ ælxtflwsf/LÆ eGgfn] s'g} u|fxssf] dflns jf clGtd?kdf lgoGq0f ug]{ k|fs[lts JolQm
-h;sf] nflu nfe k'Ug] u/L sf/f]jf/ ul/G5_ ;Demg' kb{5 . of] zAbn] s'g} sfg"gL JolQm jf
Joj:yfkgnfO{ lgoGq0fdf /fVg] clGtd clwsf/ k|of]u ug]{ JolQmnfO{ ;d]t hgfpF5 .
-u_ æljQLo hfgsf/L OsfOÆ eGgfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf]
bkmf ( adf]lhd u7g ePsf] ljQLo hfgsf/L OsfOnfO{ ;Demg' kb{5 .
-3_ æpRr kb:y JolQmÆ eGgfn] g]kfn jf s'g} ljb]zL d'n'sdf /fhg}lts, Joj;foLs,
;fdflhs, ljQLo, k|zf;lgs, Jofkfl/s, cf}Bf]lus If]qdf pRr txdf sfo{/t jf sfo{
ul/;s]sf, pRr ;fj{hlgs lhDd]jf/Ldf /x]sf jf /lx;s]sf /fi6« k|d'v, ;/sf/ k|d'v,
dGqL, pRr kb:y lghfdtL, k|x/L tyf ;}lgs sd{rf/L, ;/sf/L :jfldTjdf /x]sf ;+:yfg
tyf :jfoQ ;+:yfsf kbflwsf/L, lghL If]q tyf ;fdflhs If]qsf pRr kb:y kbflwsf/L,
/fhlglts bnsf pRr kb:y g]tfx? ;Demg' kb{5 . of] zAbn] To:tf JolQmsf kl/jf/sf
;b:o tyf glhssf ;xof]uL ;d]tnfO{ hgfpF5 .
-ª_ æFATFÆ eGgfn] kmfOgflG;on PS;g 6f:s kmf];{ -Financial Action Task Force_ ;Demg'
kb{5 .
-r_ æljB'tLo dfWodaf6 :yfgfGt/0fÆ eGgfn] ljB'tLo dfWodsf] k|of]u u/L s'g} a}+s, ljQLo
;+:yf, ljk|]if0f, :yfgfGt/0fsf] sfo{ ug]{ ;+:yf dfkm{t s'g} JolQmsf] /sd Ps :yfgaf6 csf]{
:yfgdf k7fpg] sfo{nfO{ ;Demg' kb{5 . -o;/L /sd k7fpg] / k|fKt ug]{ JolQm Pp6} jf
cnu cnu x'g ;Sb5g ._
-5_ æpTklQstf{Æ eGgfn] vftfjfnf jf vftf geP klg s'g} a}+s, ljQLo ;+:yf, ljk|]if0f /
:yfgfGt/0f sfo{ ug{] ;+:yfnfO{ Ps :yfgaf6 csf]{ :yfgdf ljB'tLo dfWodaf6 /sd
:yfgfGt/0f ug{ cg'/f]w ug]{ JolQm ;Demg' k5{ .
-h_ æck/flws cfh{gÆ eGgfn] s'g} k|ToIf jf ck|ToIf?df s'g} ck/flws sfo{af6 k|fKt ePsf]
;DklQ jf cfly{s nfe ;Demg' kb{5 . ;fy}, of] zAbn] To:tf] ;DklQaf6 a9] j9fPsf] jf
k"0f{ jf cf+lzs ?kn] :j?k kl/jt{g u/]sf] ;DklQnfO{ ;d]t hgfpF5 .
kl/R5]b — @
gLlt, k|lqmof / cEof;
@= ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL sfo{sf] lgoGq0f Pjd\ lg/f]k0fsf
nflu ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -k|yd ;+zf]wg @)^* ;lxt_, ;DklQ z'4Ls/0f lgjf/0f
lgodfjnL, @)^^ / o; lgb]{zgn] tf]s] adf]lhd ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{
;+:yfn] cfjZos gLlt, k|lqmof / cEof;sf] th{'df tyf sfof{Gjo ug'{ kg]{5 .
#= bkmf @ adf]lhd nfu' ul/Psf] gLlt, k|lqmof / cEof;df cfˆgf] Joj;fo tyf sf/f]jf/sf] dfqf tyf
k|s[lt emNsg] u/L tof/ ug'{ kg]{5 . ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{
213
;DaGwL ck/fw x'g] hf]lvd sd 5 egL ;+:yfn] /fi6« a}+sdf lgj]bg lbPdf /fi6« a}+sn] hf]lvddf
cfwfl/t eO{ o; lgb]{zgsf] sfof{Gjog ug{df cfjZos 5'6 lbg ;Sg]5 .
$= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] tof/ ug]{ gLlt, k|lqmof / cEof;df slDtdf
b]xfosf ljifosf ;DaGwdf cfjZos tyf pko'Qm Joj:yf ug'{ kg]{5
-s_ hf]lvddf cfwfl/t k|lqmof ;lxt u|fxssf] u|fxs d"NofÍg k4lt -Customer Due Diligence_
nfO{ cfjZostf cg';f/ nfu' ug]{,
-v_ u|fxssf] cBfjlws clen]v sfod ug]{,
-u_ sf/f]jf/ tyf cGo ljj/0f ;'/lIft /fVg],
-3_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ tyf o; lgb]{zgsf] bkmf $# cg';f/
ljQLo hfgsf/L OsfOdf ;Ldf ;DaGwL sf/f]jf/ ljj/0f k7fpg],
-ª_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_, ljQLo hfgsf/L OsfOaf6 hf/L
ul/Psf lgb]{zg tyf o; lgb]{zgsf] bkmf $& n] tf]s] cg'?ksf z+sf:kb sf/f]jf/sf] ljj/0f
ljQLo hfgsf/L OsfOdf k7fpg],
-r_ o; lgb]{zgsf] kfngf ug{ cfjZos kg]{ cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0fsf
pkfox?sf] th{'df ug]{ .
%= g]kfn aflx/ s'g} zfvf jf ;xfos sDkgL dfkm{t sf/f]jf/ ul//x]sf ;+:yfn] o; lgb]{zg, ;DklQ
z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgoGq0f ;DaGwL k|rlnt sfg"g tyf lgodx?nfO{
To:tf sf/f]jf/sf ;DaGwdf klg nfu' ug'{ kg]{5 . To:tf] :yfgdf /x]sf zfvf jf ;xfos sDkgLnfO{
;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgodfjnL, @)^^ /
o; lgb]{zgsf] sfof{Gjogdf s'g} k|ltjGw jf Jojwfg ePdf ;f]sf] hfgsf/L g]kfn /fi6« a}+snfO{ lbg'
kg]{5 .
kl/R5]b — #
hf]lvddf cfwfl/t k|0ffnLsf] k|of]u u/L u|fxs d"NofÍg
k4lt -Customer Due Diligence_ sfod ug]{
^= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ug]{ u|fxs d"NofÍg k4lt -Customer Due
Diligence_ n] b]xfosf s'/fx? ;dfj]z ug'{ kg]{5 M
-s_ u|fxs / u|fxssf] lxtflwsf/Lsf] klxrfg ug]{,
-v_ u|fxs / u|fxssf] lxtflwsf/Lsf] af/]df cfjZos ;"rgf ;+sng ug]{ / cfjZostf cg';f/
u|fxssf] hf]lvd ljj/0f tof/ ug]{,
-u_ gofF u|fxsx? :jLsf/ ug]{ gLlt nfu' ug]{,
-3_ u|fxs / u|fxssf] lxtflwsf/Lsf] ;"rgf tyf ljj/0f lgoldt?kdf cBfjlws ug]{,
-ª_ u|fxssf] sf/f]jf/sf] ljj/0f tyf lgh;Fusf] ;DaGwnfO{ lgoldt?kdf cg'udg ug]{ .
&= hf]lvdsf cfwf/df cyf{t pRr hf]lvddf /x]sf u|fxssf] nflu kl/is[t tyf sd hf]lvddf /x]sf
u|fxssf] nflu ;fdfGo u|fxs d"NofÍg k4lt nfu' ug'{ kg]{5 . hf]lvddf cfwfl/t u|fxs d"NofÍg
k4lt nfu' ug]{ ;DaGwdf o; lgb]{zgsf] kl/R5]b !! / !@ df yk :ki6 ul/Psf] 5 .
kl/R5]b — $
u|fxssf] klxrfg
*= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] a]gfdL tyf sfNklgs gfddf sf/f]jf/ ug]{ jf
ug{ vf]Hg] s'g} klg JolQm;Fu sf/f]jf/ ug{ x'b}g .
214
(= ;+:yfn] cfkm\gf u|fxs tyf lxtflwsf/Lsf] jf:tljs kl/ro yfxf kfpg' kg]{5 . u|fxs eGg] zJbn]
b]xfosf JolQmx?nfO{ hgfpF5 M
-s_ Joj;flos ;DaGw ePsf,
-v_ Ps k6s jf k6s] ?kdf o; lgb]{zgsf] bkmf $# df tf]lsPsf] ;Ldf jf ;f] eGbf a9L
sf/f]jf/ ug]{,
-u_ o; lgb]{zgsf] kl/R5]b !# df pNn]v eP cg'?ksf] ljB'tLo dfWodaf6 :yfgfGt/0fsf]
sfo{df ;+nUg,
-3_ sf/f]jf/ ubf{ s'g} ;dodf ;f] JolQm ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL
;DaGwL sfo{df ;+nUg ePsf] jf x'g ;Sg] cfz+sf /x]sf] sf/f]jf/ jf Joj;fodf ;+nUg
ePsf] .
!)= ;+:yfn] b]xfosf s'g} klg ;dodf u|fxssf] pko'Qm klxrfg sfod ug{ cfjZos kl/ro lng] /
;f]sf] plrt k/LIf0f ug'{ kg]{5 .
-s_ Joj;flos ;DaGwsf nflu cg'/f]w ubf{,
-v_ lgZrt ;Ldf leqsf] k6s] sf/f]jf/ ubf{,
-u_ ljB'lto dfWodaf6 /sd :yfgfGt/0f ubf{,
-3_ s'g} JolQm z+sf:kb sf/f]jf/ jf sfo{df ;+nUg ePsf] kfOPdf,
-ª_ s'g} JolQmsf] ;DaGwdf klxn] g} k|fKt ul/;s]sf] klxrfg ;DaGwL sfuhftdf s'g} z+sf jf
låljwf pTkGg ePdf .
!!= ;+:yfn] k|fs[lts JolQmsf] ;DaGwdf klxrfg sfod ubf{ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/
ug]{ ;+:yfn] o; lgb]{zgsf] cg';"rL—! df pNn]v u/] cg"?ksf sfuhft, tYofÍ, ;"rgfx? k|fKt u/L
;f] nfO{ :jtGq / e/kbf]{ ;|f]taf6 k'li6 ug'[{ kg]{5 .
!@= sfg"gL JolQm jf ;+:yfkgfx?sf] ;DaGwdf klxrfg sfod ubf{ o; lgb]{zgsf] cg';"rL—! df pNn]v
u/] cg"?ksf sfuhft, tYofFÍ, ;"rgfx? k|fKt u/L ;f]nfO{ :jtGq / e/kbf]{ ;|f]taf6 k'li6 ug'{
kg]{5 .
!#= ;j} k|fs[lts tyf sfg"gL JolQmsf] klxrfg :yfkgf ug]{ sfuhft tyf hfgsf/Lx?sf] k|ltlnlk a'‰g
;lsg] lsl;dn] Jojl:yt u/L /fVg' kg]{5 .
kl/R5]b — %
u|fxssf] lxtflwsf/Lsf] lgwf{/0f
!$= s'g} u|fxsn] Ps jf Ps eGbf j9L lxtflwsf/Lsf] nflu sf/f]jf/ ul//x]sf] s'/f ;'lglZrt ug{sf
nflu ;+:yfn] cfjZos dfkb08x? lgwf{/0f ug'{ kg]{5 . olb s'g} u|fxssf] lxtflwsf/L ePdf ljk|]if0f
tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] To:tf lxtflwsf/Lsf] klxrfgsf] nflu cfkm" ;Gt'i6
x'g]u/L cfjZos ;"rgf tyf tYofÍ ljleGg ;|f]taf6 k|fKt u/L ;f]sf] k'li6 ;d]t ug'{ kg]{5 .
lxtflwsf/Lsf] ;DaGwdf k|fKt ul/g] ;"rgf o; lgb]{zgsf] cg';"rL—! df tf]lsP cg"?k x'g'kg]{ 5 .
!%= sfg"gåf/f lgodg ul/Psf lwtf]kq ahf/df ;'rLs[t kaLns lnld6]8 sDkgL, ;DklQ z'4Ls/0f tyf
cft+sjfbL sfo{df ljQLo nufgL lgoGq0f ;DaGwL cGt/f{li6«o dfkb08 nfu' u/]sf] d'n'ssf
sfg"gåf/f lgodg tyf ;'k/Lj]If0f ul/Psf lwtf]kq ahf/df ;"lrs[t ePsf ljb]zL sDkgLx?sf]
xsdf o; lgb]{zgsf] cg';"rL—! df pNn]v ePsf sfuhft / ljj/0fsf cltl/Qm cGo yk hfgsf/L
cfjZos kg]{ 5}g . ;+:yfn] ;DalGwt d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo
nufgL lgoGq0f ;DaGwL cGt/f{li6«o dfkb08 nfu' u/] gu/]sf] s'/f Financial Action Task Force
(FATF), Asia/Pacific Group on Money Laundering (APG) h:tf / ;f]xL k|sf/sf cGo If]qLo ;+:yfx?,
215
International Monetary Fund, / World Bank h:tf cGt/f{li6«o ;+:yfx?åf/f j]j;fO6df k|sflzt
l/kf]6{ tyf ljj/0fx?sf cfwf/df lgwf{/0f ug{ ;Sg]5g .
!^= cGo sfg"gL JolQm tyf ;+:yfkgx?sf ;Gbe{df To:tf] u|fxssf] jf:tljs wgL jf lgoGq0fdf /fVg]
k|fs[lts jf sfg"gL JolQmsf] af/]df b]xfo adf]lhdsf] hfgsf/L lng' kg]{5 M
-s_ bkmf !# sf] Joj:yf cg"?k s'g} sDkgL, ;Lldt bfloTj ePsf] ;fem]bf/L kmd{, jf o:t}
k|sf/sf] cGo ;+:yfkgfx?sf ;DaGwdf b]xfo adf]lhdsf k|To]s k|fs[lts JolQmsf] ljj/0fM
-!_ aL; k|ltzt eGbf j9L z]o/ vl/b u/]sf] jf dtbfgsf] clwsf/ k|fKt u/]sf],
-@_ sDkgL, ;Lldt bfloTj ePsf] ;fem]bf/L kmd{, jf o:t} k|sf/sf] cGo ;+:yfkgfx?sf]
Joj:yfkgdf ;+nUg,
-#_ sfg"gL JolQm jf ;+:yfkgfsf] lgoGq0f ug]{ jf lgoGq0fsf] clwsf/ k|of]u ug]{ .
-v_ u'7L jf o:t} k|sf/sf ;+:yfkgfsf ;DaGwdf ;f]sf] ;~rfns, 6«i6L / lxtflwsf/Lsf] klxrfg
sfod ug]{ .
!&= z]o/ :jfy{sf] ck|ToIf :jfldTjsf] :yflkt ubf{ b]xfosf] cfwf/df ug'{ kg]{5 M
-s_ sDkgL, ;LldtbfloTj ePsf] ;fem]bf/L kmd{, jf o:t} k|sf/sf] cGo ;+:yfkgf / u'7Ln] wf/0f
u/]sf] z]o/df ;dfg'kflts ?kdf To:tf] ;+:yfsf] z]o/xf]N8/, ;fem]bf/ cyjf lxtflwsf/L,
-v_ kl/jf/sf] ;b:on] wf/0f u/]sf] z]o/sf] ;DaGwdf kl/jf/sf] k|To]s ;b:on] wf/0f u/]sf]
z]o/ -kl/jf/ eGgfn] cfˆg} jf em6\s]nf bfh' efO{, lbbL alxgL, klt kTgL, xh'/af xh'/
cfdf, / gflt gfltgfnfO{ hgfpF5 ._
!*= ;Dj4 ;j} ;"rgfsf] tyf hfgsf/Lx?sf] k|ltlnlk a'em\g ;lsg] lsl;dn] Jojl:yt u/L /fVg' kg]{5 .
kl/R5]b — ^
u|fxssf] hf]lvd ljj/0f tof/ ug]{
!(= ;+:yfn] cfkm\gf k|To]s u|fxsdf lglxt hf]lvdsf] ljj/0f o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt
k"/f ug{ ;lsg] u/L /fVg' kg]{5 . o:tf] ljj/0fdf u|fxssf] af/]df kof{Kt hfgsf/L x'g'sf ;fy} pQm
u|fxsn] ;+:yf;Fu /fVg vf]h]sf] ;DaGw / cfjZos eP /sd tyf ;DklQsf] ;|f]tsf] af/]df ;d]t
pNn]v ug{' kg]{5 .
kl/R5]b — &
gofF u|fxssf] :jLsf/
@)= o; lgb]{zg adf]lhd cfˆgf] jf lxtflwsf/Lsf] kl/ro v'nfpg jf k'li6 x'g g;Sg] jf hf]lvd ljj/0f
tof/ ug{ kof{Kt ;"rgf ;+sng ug{ g;lsg] s'g} JolQmnfO{ u|fxssf] ?kdf :jLsf/ ug{ x'b}g . o:tf]
cj:yfdf ;+:yfn] ljQLo hfgsf/L OsfO{n] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/
z+sf:kb sf/f]jf/sf] ?kdf lnO{ ;f]sf] ljj/0f k7fpg' kg]{5 .
kl/R5]b — *
u|fxssf] ;"rgf lg/Gt/?kdf sfod /fVg]
@!= ;+:yfn] cfkm\gf u|fxsx?sf] ;DaGwdf lg/Gt/ cfjZos ;"rgf / ljj/0f ;+sng u/L /fVg' kg]{5 .
u|fxs d"NofÍg k4lt -CDD_ k|lqmof cGt/ut ;+sng ul/Psf sfuhft, tYof+s, jf ;"rgfx?
lglZrt ;dodf cfjZos ;dLIff u/L ;f]sf] ljj/0f Jojl:yt tl/sfn] /fVg' kg]{5 .
216
kl/R5]b — (
u|fxssf] sf/f]jf/sf] lg/Gt/?kdf cg'udg ug]{
@@= ;+:yfn] cfkm\gf u|fxsx?sf] sf/f]jf/ / pgLx?;Fusf] ;DaGwsf] lg/Gt/ cg'udg ug'{ kg]{5 . o:tf]
cg'udgn] klxrfg u/] cg'?k g} u|fxsn] sf/f]jf/ u/] gu/]sf] s'/f tyf u|fxssf] hf]lvd ljj/0f,
cfjZostf cg';f/ /sd jf ;DklQsf] ;|f]t tyf klxn] g} lgwf{/0f ul/Psf] /sd jf sf/f]jf/sf]
;Ldf / k|sf/ ;d]tnfO{ ;d]6g' kg]{5 .
@#= ;+:yfn] ;j} h6Ln sf/f]jf/, cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf b]lvg] jf
c:jefljs k|s[ltsf sf/f]jf/nfO{ ljif]z lgu/fgLsf ;fy x]g'{ kg]{5 . o:tf sf/f]jf/sf] p2]Zo tyf
cfwf/x? kQf nufO{ To:tf] hfgsf/L lnlvt ?kdf /fVg' kg]{5 . o:tf] hfgsf/L ljQLo hfgsf/L
OsfO, n]vfk/LIfs Pjd\ cGo ;Ifd lgsfon] k/LIf0f ug{ ;Sg] u/L kfFr jif{ ;Dd ;'/lIft /fVg'
kg]{5 . s'g} sf/f]jf/nfO{ cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf jf c:jfefljs
k|s[ltsf sf/f]jf/ egL kQf nufO{ ;s]kl5 To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L OsfOn] hf/L u/]sf]
lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf k7fpg' kg]{5 .
kl/R5]b — !)
u|fxs;Fusf] ;DaGwsf] ;dflKt
@$= ;+:yfn] s'g} gofF u|fxssf] o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt ;DkGg ug{ g;Sg] cj:yf
ljBdfg ePdf To:tf u|fxs;Fusf] ;DaGwnfO{ ;dfKt u/L To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L
OsfOn] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf k7fpg'
kg]{5 .
kl/R5]b — !!
pRr hf]lvdo'Qm u|fxsx?sf nflu kl/is[t u|fxs
d"NofÍg k4lt -Enhanced CDD_ cjnDjg ug]{
@%= ;+:yfn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL ck/fwsf] pRr hf]lvddf
/x]sf, /fhgLlts ?kdf k|efjzfnL JolQmx? -PEPs_ / cfdg] ;fdg] geO{ sf/f]jf/ ug]{ u|fxsx?sf
nflu kl/:s[t u|fxs d"NofÍg k4lt -Enhanced CDD_ cjnDjg ug'{ kg]{5 . kl/:s[t u|fxs d"NofÍg
k4lt -Enhanced CDD_ n] cGo s'/fsf cltl/Qm ;DklQsf] ;|f]t / sf/f]jf/ /sdsf] ;|f]tnfO{ klg
;dfj]z ug'{ kg]{5 .
@^= pRr hf]lvddf /x]sf u|fxsnfO{ klxrfg k|lqmofsf] x/]s r/0fdf kl/:s[t u|fxs d"NofÍg k4lt
-Enhanced CDD_ nfu' ug'{ kg]{5 .
@&= ;+:yfsf] Joj:yfkg txsf] dflyNnf] clwsf/Ln] l:js[lt glbP;Dd pRr hf]lvddf /x]sf u|fxsx?;Fu
;DaGw :yfkgf ug{ x'b}g .
@*= b]xfosf] cfwf/df s'g} u|fxs pRr hf]lvddf /x]sf] lgwf{/0f ug{' kg]{5 .
-s_ cfdg] ;fdg] eO afx]s cGo tl/sfn] ;DaGw :yfkgf ePsf],
-v_ u}/ cfjf;Lo, jf To:tf] JolQmsf] /fli6«otf, xfn a;f]af; /x]sf] d'n's jf klxn]sf] a;f]af;
/x]sf] d'n's ;d]tsf cfwf/df ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL
;DaGwL ck/fwsf] pRr hf]lvddf /x]sf] :yfgsf u|fxs,
-u_ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL ck/fwsf] lgoGq0fdf
pko'Qm :t/ sfod ug{ g;s]sf] d'n's jf If]q;Fu ;DalGwt u|fxs,
217
-3_ /fhgLlts ?kdf k|efjzfnL JolQmx? -PEPs_ jf ltgsf kl/jf/sf ;b:o tyf ;DalGwt
JolQm,
-ª_ w]/} g]6jy{ ePsf], /sd jf ;DklQsf] ;|f]t k|i6 gePsf] jf lghL a}+lsË Joj;fodf ;+nUg
ePsf] u|fxs,
-r_ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL ck/fwdf ;+nUg x'g ;Sg]
z+sf:kb Joj;fodf ;+nUg ePsf] u|fxs,
-5_ JolQmut ;DklQ wf/0f ug]{ ;fwgsf] ?kdf /x]sf] sfg"gL JolQm jf ;+:yfkgf,
-h_ k|i6 cfly{s tyf sfg"gL p2]Zo ljgf g} hl6n k|s[ltsf] :jfldTj ;+/rgf ePsf sfg"gL
JolQm jf ;+:yfkgf,
-em_ gf]ldgL z]o/xf]N8/ jf wf/s z]o/ ePsf] sDkgL,
-`_ cTolws e|i6frf/ /x]sf] egL lrlgPsf] d'n's jf cGo o:t} cfwf/df pRr hf]lvddf /x]sf]
b]zsf u|fxs,
-6_ gubsf] j9L k|of]u x'g] Joj;flos sf/f]jf/df ;+nUg ePsf If]qsf u|fxsx? .
@(= bkmf @* -s_ df pNn]lvt cfdg] ;fdg] geO{ x'g] sf/f]jf/n] cGo s'/fsf cltl/Qm b]xfosf
sf/f]jf/nfO{ cfwf/ lng' kg]{5 M
-s_ OG6/g]6af6 :yflkt ;DaGw jf o:t} cGo k|sf/n] h:tf] x'nfs dfkm{t :yflkt ;DaGw,
-v_ OG6/g]6af6 k|bfg ul/g] ;]jf tyf sf/f]jf/,
-u_ ATM sf] k|of]u u/L ul/g] sf/f]jf/,
-3_ 6]lnkmf]g a}+lsË,
-ª_ km\ofS; jf cGo o:t} k|sf/sf dfWodaf6 lgb]{zg jf lgj]bg lbO ePsf sf/f]jf/,
-r_ klxn] g} e'QmfgL u/]sf, gjLs/0f ug{ ldNg] jf s'g} vftf;Fu hf]l8Psf sf8{ dfkm{t ul/g]
/sd lgisf;g jf e'QmfgL ;DaGwL sf/f]jf/
#)= cfdg] ;fdg] geO{ x'g] sf/f]jf/df ul/g] kl/is[t u|fxs d"NofÍg k4ltdf b]xfosf ljifo ;d]6\g'
kg]{5 M
-s_ gf]6/L jf cGo ljZjf; of]Uo JolQmn] k|dfl0ft u/]sf] sfuhft
-v_ k|ToIf?kdf sf/f]jf/ ul/g] u|fxs;Fu dfu ul/g] sfuhftsf cltl/Qm yk sfuhftsf] k|flKt
-u_ :jtGq?kdf u|fxs;Fu ;Dks{ :yfkgf ug]{ k|lqmofsf] ljsf;
#!= /fhgLlts ?kdf k|efjzfnL JolQmx? -PEPs_ sf] lgwf{/0f b]xfo adf]lhdsf] k|lqmofaf6 ug{' kg]{5 M
-s_ ;Defljt u|fxs;Fu k|fKt ul/g] ;Dj4 ;"rgfsf] cfwf/df,
-v_ ;fj{hlgs?kdf pknJw ;"rgfsf] cfwf/df,
-u_ pknAw ePsf /fhgLlts ?kdf k|efjzfnL JolQmx? -PEPs_ sf] tYof+s -Data Base_ df
kx'Fr :yflkt u/]/ .
#@= kl/is[t u|fxs d"NofÍg k4lt k|of]u ubf{ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn]
ln+u, j0f{, /+u, a}jflxs ;DaGw, wd{, jf /fli6«otfsf] cfwf/df u}/ sfg"gL e]befj x'g glbg] tkm{
cfjZos ;ts{tf ckgfpg' kg]{5 .
218
kl/R5]b — !@
sd hf]lvdo'Qm u|fxsx?sf nflu ;/n u|fxs
d"NofÍg k4lt cjnDjg ug{ ;Sg]
##= ;+:yfn] cfkm'n] u/]sf] lnlvt hf]lvd d"NofÍgsf cfwf/df sd hf]lvdo'Qm u|fxssf] ;/n u|fxs
d"NofÍg k4lt cjnDjg ug{ ;Sg]5g . o:tf] k4lt cjnDjg ubf{ cfjZos kg]{ sfuhft / hf]lvd
lgwf{0fsf cfwf/x? af/]df g]kfn /fi6« a}+saf6 hfgsf/L dfu eO{ cfPdf pknJw u/fpg' kg]{5 .
#$= ;fdfGotof ;j} u|fxsx?sf nflu o; lgb]{zgdf pNn]lvt u|fxs d"NofÍg k4lt cjnDjg ug{' kg]{5
. s]xL kl/l:yltx?df ha ;+:yfn] u/]sf] d"NofÍgdf ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo
nufgL ug]{ hf]lvd sd /x]sf], ;DalGwt u|fxs / lxtflwsf/Lsf] af/]df ;fj{hlgs ?kdf g} hfgsf/L
pknJw ePsf], jf /fli6«o k|0ffnLdf pko'Qm lgoGq0f / k/LIf0fsf] Joj:yf /x]sf] cj:yfdf ;/n
u|fxs d"NofÍg k4lt cjnDjg ug{ ;lsg]5 .
#%= hf]lvd sd ePsf u|fxs, sf/f]jf/ jf pTkfbgx?sf] pbfx/0fsf] ?kdf b]xfo adf]lhdsf u|fxs,
sf/f]jf/ jf pTkfbgx? kg{ ;Sg]5g M
-s_ cGo lgodgdf /x]sf ;+:yfx? -g]kfn /fi6« a}+sn] ;'kl/j]If0f ug]{_
-v_ o; lgb]{zgsf] bkmf !% df pNn]v eP cg'?k pko'Qm lgodg / ;'kl/j]If0f cGt/ut /x]sf
ljb]zL ljQLo ;+:yfx?
-u_ g]kfn lwtf]kq af]8{n] lgodg ug]{ :6s PS;r]Ghdf ;"lrs[t ePsf] kaLns sDkgL /
ljQLo hfgsf/L OsfOn] l:js[t u/]sf / k|sfzg -Disclosure_ ;DaGwL pko'Qm lgodg /
;'kl/j]If0f cGt/ut /x]sf ljb]zL :6s PS;r]Ghdf ;"lrs[t ePsf kaLns sDkgLx?
-3_ ? !),))).– eGbf sd jflif{s sf/f]jf/ ePsf ;fgf u|fxsx?
#^= bkmf #% sf] v08 -v_ / -u_ df pNn]v ePsf u}/ cfjf;Lo tyf ljb]zL sDkgLx?sf] xsdf To:tf
sDkgLx? /x]sf] :yfg jf d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{
sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o dfkb08x?sf] kfngf u/]sf] x'g'kg]{ 5 . ;+:yfn]
;DalGwt d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{
;DaGwdf /x]sf cGt/f{li6«o dfkb08x?sf] kfngf u/] gu/]sf] ;DaGwdf lgwf{/0f ubf{ g]kfn /fi6«
a}+sn] k|sflzt u/]sf] ;"lr jf k|ltj]bg, FATF, APG, IMF, World Bank h:tf lgsfox?sf
j]j;fO{6df k|sfzg ePsf ljj/0fsf cfwf/df ug'{ kg]{5 .
#&= g]kfn /fi6« a}+sn] s'g} d'n's jf If]qn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{
sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o dfkb08x?sf] kfngf gu/]sf] egL hfgsf/L
u/fPsf], jf ljZj:t :jtGq ;"rgfx?sf cfwf/df ;DalGwt ;+:yfn] g} ;DklQ z'4Ls/0f tyf
cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o
dfkb08x?sf] kfngf gu/]sf] egL kQf nufPsf], jf cGo s'g} sf/0fn] ;f] ;DaGwL hf]lvd /x]sf]
egL z+sf ug'{ kg]{ sf/0f ePsf :yfgdf cfwfl/t u|fxssf] xsdf eg] ;/n u|fxs d"NofÍg k4lt
nfu' ug{ x'b}g .
kl/R5]b — !#
ljB'tLo dfWodaf6 ul/g] :yfgfGt/0f -Wire Transfer_ ;DaGwL gLlt / k|lqmof
#*= ;+:yfn] cfkm"n] k|fKt ug]{ ;j} ljB'tLo dfWodaf6 ul/g] :yfgfGt/0fsf] ;DaGwdf pTklQstf{sf] k"0f{
;"rgf k|fKt ug]{ / ;f]sf] ;Totf k'li6 ug]{ ug{' kg]{5 .
#(= pTklQstf{sf] k"0f{ ;"rgfdf b]xfosf s'/fx? ;dfj]z ug'{ kg]{5 M
-s_ pTklQstf{sf] gfd
219
-v_ pTklQstf{sf] vftf gDj/ -vftf gDj/ gePsf] cj:yfdf 5'§} klxrfg gDj/_
-u_ pTklQstf{sf] kl/rokq gDj/ jf 7]ufgf
$)= pTklQstf{sf] k"0f{ ljj/0f gePsf ljB'tLo ljk|]if0fsf] e'QmfgL lbg] ;+:yfn] To:tf] sf/f]jf/nfO{
;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{sf] hf]lvdo'Qm /x]sf] dfGg' kg]{5 .
o:tf] cj:yfdf ;DalGwt ;+:yfn] ;j eGbf klxn] cfb]z lbg] ;+:yfaf6 pTklQstf{sf] ;DaGwdf 5'6
ljj/0f dfu ug'{ kg]{5 . olb 5'6 ljj/0f k|fKt gePdf pTklQstf{sf] k"0f{ ljj/0fsf] cefjdf To:tf]
jf ;Dj4 sf/f]jf/nfO{ z+sf:kb sf/f]jf/sf] ?kdf lnO{ ;f]sf] ljj/0f ljQLo hfgsf/L OsfOnfO{ lbg'
kg]{5 . o;sf cltl/Qm ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] To:tf] sf/f]jf/ ug{
OGsf/ klg ug{ ;Sg]5 . pko'{Qm cj:yfdf e'QmfgL lbg] ;+:yfn] o; lgb]{zgsf] kfngf gug]{
;+:yf;Fu sf/f]jf/ ug{ k|ltjGw nufpg] jf ;DaGw ;dfKt ug{ klg ;Sg]5 .
kl/R5]b — !$
clen]v ;'/lIft tl/sfn] /fVg]
$!= ;+:yfn] :jb]zL tyf ljb]zL ;j} sf/f]jf/ tyf ljQLo hfgsf/L OsfOnfO{ k7fPsf ;Ldf tyf
z+sf:kb sf/f]jf/x?sf] clen]v sf/f]jf/ ePsf] ldltn] slDtdf kfFr jif{;Dd ;'/lIft ?kdf /fVg'
kg]{5 . of] Joj:yf ;DaGw jf sf/f]jf/ rfn' /x]sf jf ;dfKt ePsf b'j} cj:yfdf nfu' x'g]5 .
$@= sf/f]jf/sf] ljj/0f k|To]s sf/f]jf/ k"0f{ klxrfg ug{ ;lsg] / cfjZos kbf{ kmf}hbf/L cleof]udf
cleof]hg ubf{ k|df0fdf lng ;Sg] lsl;dn] /fVg' kg]{5 . To:tf] sf/f]jf/ ljj/0fdf b]xfosf s'/fx?
;dfj]z ug'{ kg]{5 M
-s_ u|fxssf] -lxtflwsf/L ;d]t_ sf] gfd, 7]ufgf M -klxrfg ;DaGwL cGo dWo:yåf/f /flvPsf]
ljj/0f_
-v_ sf/f]jf/sf] k|s[lt / ldlt
-u_ k|of]u ePsf] d'b|fsf] k|sf/ / dfqf
-3_ sf/f]jf/df k|of]u ePsf] vftf gDj/ / ;f]sf] k|sf/
kl/R5]b — !%
;Ldf sf/f]jf/ ljj/0f k7fpg' kg]{
$#= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf ;Ldf leqsf] ?k}ofFF tyf ;f] j/fj/sf]
ljb]zL d'b|fsf] sf/f]jf/sf] ljj/0f To:tf] sf/f]jf/ ePsf] ldltn] !% lbg leq cg';'rL – @ sf]
9fFrfdf ljQLo hfgsf/L OsfO{ ;dIf k]z ug'{ kg]{5 .
-s_ ljk|]if0f / :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf] ljj/0f ljQLo hfgsf/L
OsfO{nfO{ k7fpg' kg]{5 .
-!_ s'g} u|fxsn] Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] ?=!) nfv jf ;f]
eGbf j9Lsf] gub /sdsf] sf/f]jf/
-@_ s'g} u|fxsnfO{ Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] ?=!) nfv jf ;f]
eGbf j9L /sd g]kfndf e'QmfgL u/]sf] jf g]kfnsf] ;Ldf jf/kf/ x'g] u/L u/]sf]
ljk|]if0f jf :yfgfGt/0fsf] sf/f]jf/
$$= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] tf]lsPsf] ;Ldf eGbf a9Lsf] sf/f]jf/ ug]{
u|fxs, To:tf] sf/f]jf/ jf /sdsf] ;|f]t ;d]t pNn]v u/L 5'§} /lhi6/ v8f u/L /fVg' kg]{5 .
$%= olb s'g} sf/f]jf/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ p2]Zon] ul/Psf] egL
nfu]df To:tf] sf/f]jf/ dfly pNn]lvt ;Ldf eGbf dflysf] eP jf geP klg ljQLo hfgsf/L
220
OsfOn] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf klg
ljQLo hfgsf/L OsfOdf k7fpg kg]{5 .
$^= bkmf $# / $% cg'?ksf ljj/0fx? ljQLo hfgsf/L OsfOn] tf]s] adf]lhd ljB'tLo jf cGo
dfWodaf6 k7fpg ;lsg]5 .
kl/R5]b — !^
z+sf:kb sf/f]jf/sf] ljj/0f k7fpg]
$&= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -
;+zf]wg ;lxt_ sf] bkmf & cg'?k s'g} /sd b]xfo adf]lhd /x]sf] z+sf nfu]df jf z+sf ug'{ kg]{
kof{Kt cfwf/ ePdf ;f]sf] ljj/0f ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .
-s_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s]sf] ck/fw jf ck/flws
cfh{g;Fu hf]l8Psf] jf ;DalGwt /x]sf], jf
-v_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s] adf]lhd cft+safb,
cft+sjfbL sfo{, cft+sjfbL ;+u7g, jf cft+sjfbL sfo{df nufgL;Fu hf]l8Psf] jf ;DalGwt
/x]sf] .
-u_ ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zgdf tf]lsPsf cfwf/df z+sf:kb b]lvPsf] .
$*= ;j} z+sf:kb /sd tyf sf/f]jf/ / sf/f]jf/sf] k|of; ;d]tsf] ljj/0f k7fpg' kg]{5 . ljj/0f k7fpg]
bfloTj cGo s'g} lsl;dn] 5'6 x'g] 5}g .
$(= ;+:yfn] z+sf:kb b]lvg] lalts} z+sf:kb sf/f]jf/sf] ljj/0f oyfzSo rfF8f] k7fpg' kg]{5 .
%)= ;+:yfn] z+sf:kb sf/f]jf/ jf ;f]sf] k|of; ;d]tsf] ljj/0fdf o; lgb]{zgsf] cg';"rL # df lbOPsf]
9fFrfdf ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .
kl/R5]b — !&
cglws[t JolQmnfO{ ;"rgf lbg k|ltjGw / bfloTjaf6 ;+/If0f
%!= ;"rgf lbg] jf bfloTjaf6 ;+/If0f ;DaGwdf b]xfo adf]lhd x'g]5 M
-s_ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yf, ;f]sf ;~rfns, kbflwsf/L /
sd{rf/Lx? -:yfO{ / c:yfO{_ s;}n] klg ljQLo hfgsf/L OsfOdf k7fPsf] ;Ldf jf z+sf:kb
sf/f]jf/ jf ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ ;DaGwL ck/fwsf]
;DaGwdf ePsf] jf eO{/x]sf] cg';Gwfg jf cGo ;Dj4 ;"rgfx? v08 -v_ df pNn]v
ePsf] cj:yfdf / k|rlnt sfg"gn] tf]s]sf] cj:yfdf afx]s s'g} klg lsl;dn] JoQm ug'{ jf
k|s6 ug{' x'Fb}g
-v_ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$
-;+zf]wg ;lxt_ sf] s'g} Joj:yfsf] sfof{Gjog ul//x]sf] lgsfon] dfu u/]sf avt To:tf]
hfgsf/L k|s6 ug'{ kg]{5
-u_ s;}n] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf] k|zf;gsf] nflu afx]s
z+sf:kb sf/f]jf/sf] ljj/0f tof/ ug]{, ljQLo hfgsf/L OsfO jf cGo ;/sf/L lgsfonfO{
;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ug]{ sfo{sf] nflu ljj/0f
k7fpg] JolQmsf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg s'/f ;+s]t jf k|s6 ug'{ x'b}g
-3_ s;}n] klg Gofosf] k|of]hgsf nflu cfjZos ePsf] egL Gofolwz jf d'2f x]g]{ clwsf/Ln]
k|s6 ug{ cfb]z lbPsf]df afx]s z+sf:kb sf/f]jf/sf] ljj/0f jf ;f]df ;dfj]z ePsf cGo
221
hfgsf/L jf ;f];Fu k|bfg ul/Psf cGo hfgsf/L, To:tf] ljj/0f tof/ ug]{, ljj/0f k7fpg]
JolQmx?sf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg ljj/0f k|s6 ug{ x'b}g .
%@= ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_, lgod @)^^ tyf o; lgb]{zgsf] Joj:yf
cg'?k ;blgot ;fy ljj/0f k7fPsf] jf hfgsf/L lbPsf] sf/0fn] s'g} klg ;"rs ;+:yf jf To;sf
;~rfns, kbflwsf/L, ;fem]bf/, k]zfut Joj;foL jf sd{rf/LnfO{ a}+lsË jf cGo s'g} klg k]zfut
uf]Kotf e+u u/]sf] cf/f]kdf s'g} klg kmf}hbf/L, b]jfgL, cg'zf;gfTds jf k|zf;sLo sf/jfxL x'g]
5}g .
kl/R5]b — !*
cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0f
%#= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] o; lgb]{zgsf] kfngf x'g] u/L cfjZos
cfGtl/s gLlt, k|lqmof, tyf lgoGq0f k|0ffnLsf] th'{df u/L nfu' ug'{ kg]{5 . To;n] slDtdf ;DklQ
z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgod @)^^, o; lgb]{zgsf
Joj:yfx?sf] sfof{Gjogsf] Joj:yfkg ug]{ Joj:yfksLo :t/sf] sfof{Gjog clws[t lgo'Qm ug]{
Joj:yfx? ;d]6g' kg]{5 .
%$= sfof{Gjo clws[t tyf cGo ;Dj4 sd{rf/Ln] u|fxs klxrfg tyf u|fxs klxrfg k4lt cg'?ksf
ljj/0f, sf/f]jf/sf] ljj/0f, / cGo ;Dj4 hfgsf/Lx? ;dod} k|fKt ug{ ;Sg] Joj:yf ug'{ kg]{5 .
sfof{Gjog clws[tn] :jtGq?kdf sfo{ ug]{ tyf p;sf] cfˆgf] ;'k/Lj]Ifs eGbf dflyNnf] txsf]
clwsf/L jf ;~rfns ;ldlt jf ;dfg :t/sf] cGo s'g} ;ldlt ;dIfsf] kx'FrnfO{ ;'lglZrt ug'{
kg]{5 .
%%= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] sfof{Gjog clws[tsf] gfd, 7]ufgf,
of]Uotf, ;Dks{ gDj/, Od]n nufotsf ljj/0f g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefu
tyf ljQLo hfgsf/L OsfO{ ;dIf k7fpg' kg]{5 .
%^= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfsf] ;~rfns ;ldltn] slDtdf tLg dlxgfsf]
Ps k6s ;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgod
@)^^, o; lgb]{zgsf Joj:yfx?sf] sfof{Gjogsf] cj:yf af/]df ;dLIff ug'{ kg]{5 . cfly{s jif{ z'?
ePsf] klxnf] dlxgfsf] cfwf/df k|To]s tLg dlxgfdf To:tf] ;dLIff ljQLo hfgsf/L OsfOdf k]z
ug'{ kg]{5 .
%&= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df
ljQLo nufgL ug]{ ;DaGwL ck/fwsf] lgoGq0f ;DaGwdf cfjZos ;"rgfx? cfk;df cfbfg k|bfg
ug'{ kg]{5 .
%*= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] oL gLlt, k|lqmof tyf lgoGq0fsf
;+oGqx?sf] sfof{Gjog eP gePsf] k/LIf0f ug]{ ;DaGwdf cfjZos ;|f]t tyf :jtGq n]vfk/LIf0f -
gd'gf k/LIf0f ;d]t_ ;DaGwL Joj:yf ug'{ kg]{5 .
%(= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df
x'g] nufgL lgoGq0f ug{ ljsl;t eO{ /x]sf ;+oGqx? / ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df
k|of]u eO{ /x]sf tl/sf / k|j[ltx?, / ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df x'g] nufgL ;DaGwL
ck/fw lgoGq0f ug{ ag]sf sfg"gsf] sfo{Gjog ug{ k"/f ug'{ kg]{ bfloTj, u|fxs klxrfg k|lqmof /
z+sf:kb sf/f]jf/sf] ljj/0f k7fpg] ;d]tsf af/]df cfk\mgf sd{rf/Lx?nfO{ cfjZos tflnd Pjd\
hfgsf/L lbg] Joj:yf lg/Gt/ ?kdf ug'{ kg]{5 .
222
^)= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx?n] sd{rf/L 5gf}6 ubf{ pko'Qm dfkb08
;lxtsf] 5gf}6 k|lqmof cjnDjg ug'{ kg]{5 .
kl/R5]b — !(
sf/jfxL / ;hfo
^!= o; lgb]{zgsf] s'g}klg Joj:yfsf] pNn+3g ug]{ JolQm÷;+:yf÷kbflwsf/L sf/jfxLsf] eflubf/ x'g]5 .
^@= o; lgb]{zgsf] Joj:yf sfof{Gjog gug]{ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx?nfO{
ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( / ;f] cGt/ut ag]sf lgod, ljlgod adf]lhdsf] hl/jfgf
jf tf]lsPsf cGo sf/jfxL x'g]5 .
^#= bkmf ^@ adf]lhdsf P]g lgod tyf ljlgodx?df hl/jfgf tyf sf/jfxLsf ;DaGwdf :ki6 pNn]v
gePsf] cj:yfdf ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ tyf ;f] cGtu{t hf/L
ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd tf]lsPsf] ;dodf ljQLo hfgsf/L OsfO{nfO{
ljj/0f pknAw gu/fpg] ljk|]if0f, :yfgfGt/0f tyf d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx?nfO{
pQm ;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_ sf] bkmf #! adf]lhd g]kfn /fi6« a}+sn]
hl/jfgf ug{ ;Sg]5 .
o; lgb]{zgsf] cg';"rL @ / # adf]lhdsf] ljj/0f k7fpbf b]xfo adf]lhdsf] 7]ufgfdf k7fpg' kg]{5 .
g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO
afn'jf6f/, sf7df08f}
kmf]gM $$!(*)$,$$!(*)%,$$!(*)& -Ext. $!$,$!&,$!*_
km\ofS;M $$$!)%!, Od]nM [email protected]
223
-O=k|f=kl/kq ;+Vof @*-v_ sf] k|of]hgsf] nflu_
cg';"rL !
u|fxssf] d"NofÍg k4lt -klxrfg_ sfod ug]{ sfo{ljlw
-s_ k"/f gfd / 7]ufgf
-v_ gful/stfsf] k|df0fkq, /fxbfgL, /fli6«otf v'Ng] kl/rokq -ef/tLo d'b|fdf x'g] :yfgfGt/0f tyf e'QmfgLdf_
-u_ /fxbfgL / k|j]zf1fsf] k|ltlnlk -ljb]zL d'b|fdf x'g] :yfgfGt/0f tyf e'QmfgLdf_
-3_ :yfO{÷c:yfoL 7]ufgf
-ª_ 6]lnkmf]g gDa/ -ePdf pNn]v ug]{_
-r_ :yfgfGt/0f ul/g] /sdsf] ;|f]t
-5_ /sd k7fpg] / k|fKt ug]{ aLrsf] ;DaGw
-h_ /sd k7fpg] / k|fKt ug]{ p2]Zo
-em_ /sd k7fpg] / k|fKt ug]{sf] kqfrf/ ug]{ 7]ufgf
-`_ cfjZostf cg';f/ u|fxs;Fusf] cGt/jftf{
-6_ cGo cfjZos sfuhftx? -;DalGwt ;+:yf :jo+n] tf]Sg ;Sg]
224
-O=k|f=kl/kq ;+Vof @* -v_ sf] k|of]hgsf] nflu_
cg';"rL @
Threshold Transaction Report (TTR) Form for MSBs
Name of Reporting Institution:
S.N
.
Name and
address of the
customer(includin
g legal person)
Branc
h
Date of
Transactio
n
Nature of
Transactio
n
Accoun
t
Type
and No.
Amount
Involve
d
Sourc
e
of Fund
Remark
s
Signature :
(Compliance Officer or authorized
officer)
Name :
Designation :
Phone :
Email :
Fax :
225
Date :
-O=k|f=kl/kq ;+Vof @* -v_ sf] k|of]hgsf] nflu_
cg';"rL #
Suspicious Transaction Report and Internal Record Form for Money Changers
Name of Reporting Institution:
S.
N
Name and address of the
Customer (with passport
number & visa or citizenship, or national Id,
etc.)
Name and address of
the sendor (with
passport number & visa or citizenship, or
national Id,etc.)
Date of
Transaction
Source
of
Money
Amount
Involved
in
NPR
Reasons
for
Suspicion
Signature
for
Internal
Recording
Remarks
Signature :
(Chief/Authorized Person)
Name :
Designation :
Phone :
Email :
Fax :
Date :
226
-u_ ;"rLs[t ePsf cft+ssf/L JolQm, ;d"x jf ;Ë7g ;DaGwL ;"rgf tyf hfgsf/L xfl;n ug'{kg]{
;DaGwL lgb]{zg M
;"rLs[t ePsf cft+ssf/L JolQm, ;d"x jf ;Ë7g ;DaGwL cBfjlws hfgsf/L xfl;n ug{'kg]{
;DaGwdf b]xfo adf]lhd ug{' u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n]
lbPsf] clwsf/ k|of]u u/L Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ / æ3Æ ju{sf a}+s tyf ljQLo ;+:yf,
ljk|]if0f sDkgL, dlgr]Gh/, 6«fen, 6';{, 6«]lsË, xf]6n, Po/nfOG;, lhP;P÷lkP;P, sfuf]{, s'l/o/
tyf Ohfhtkqk|fKt cGo ;a} lgsfox?nfO{ of] lgb]{zg hf/L ul/Psf] 5 M
;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf] bkmf @(ª= sf] pkbkmf -!_ adf]lhd ;+o'Qm
/fi6« ;+3sf] ;'/Iff kl/ifb\af6 kfl/t lg0f{o adf]lhd ;"rLs[t ePsf cft+ssf/L JolQm, ;d"x jf
;Ë7gsf] cBfjlws ;"rL g]kfn ;/sf/, k//fi6« dGqfnon] cfˆgf] j]j;fO6df /fVg] u/]sf] / ;f]
;"rLdf /x]sf cft+ssf/L JolQm, ;d"x jf ;Ë7gsf] ;DklQ jf sf]if /f]Ssf /fVg ;f]xL bkmfsf]
pkbkmf -@_ / -#_ adf]lhd g]kfn ;/sf/, u[x dGqfnon] cfb]z hf/L u/L j]a;fO6df k|sfzg
ug'{kg]{ Joj:yf /x]sf] x'Fbf ;f]xL bkmfsf] pkbkmf -$_ adf]lhd Ohfhtkqk|fKt ;+:yfx?n] lgoldt
?kdf j]j;fO6 x]/L k|sflzt ;"rLdf plNnlvt JolQm, ;d"x jf ;Ë7gx?sf] af/]df cBfjlws
hfgsf/L xfl;n u/L ;f]xL ;"rgf adf]lhd ug{' u/fpg' kg]{5 .
227
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M@(÷@)&$
ljljw Joj:yf
! ;fKtflxs ;l~rlt ljj/0f k7fpg] ;DaGwL Joj:yf
a}+s tyf laQLo ;+:yfx?af6 ;fKtflxs ?kdf k7fpg] u/]sf]] ljb]zL ljlgdo ;l~rlt ;DaGwL
ljj/0fnfO{ Ps?ktf agfpg tyf ljb]zL ljlgdo ;l~rlt ;DaGwL l/kf]l6ª sfo{nfO{ yk ;/n ug]{
p2]Zon] o;};fy ;+nUg cg';"rL @(=! / @(=@ adf]lhdsf] ljj/0f tof/ u/L xKtf ;dfKt ePsf]
tLg sfo{ lbgleq o; ljefusf] nufgL zfvfdf k]z ug]{ Joj:yf ug{ ljb]zL ljlgdo -lgoldt ug]{_
P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt æsÆ /
/fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
@= Gold Quest ;DaGwdf .
g]kfn ;/sf/, u[x dGqfnosf] ldlt @)%(.!).@@ sf] ;"rgf adf]lhd Gold Quest gfds ;+:yfn]
g]kfn clw/fHosf] laleGg :yfgdf ;~rfng u/L /fv]sf] sf/f]jf/ of]hgf (Scheme) u}/sfg"gL
ePsf]n] pQm ;+:yf;Fu ;DalGwt s'g} klg ljb]zL ljlgdo sf/f]jf/ gug{÷gu/fpg ljb]zL ljlgdo
-lgoldt ug]{ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L of] kl/kq hf/L
ul/Psf] 5 .
#= ;fj{hlgs ljbfdf ljb]zL ljlgdo sf/f]jf/ ug]{ af/] .
ljb]zL ljlgdo sf/f]jf/ ug{ o; a}+ssf] Ohfhtkq lnPsf a}+s÷ljQLo ;+:yfx¿n] ;fj{hlgs
labfsf lbgx¿df / cGo lbgx¿df klg sfof{no ;do cl3 / kl5 ljb]zL ljlgdo sf/f]jf/ ug{
rfx]df ;f]sf] nflu o; ljefuaf6 5'§} cg'dlt lnO{ /xg' gkg]{ Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd
ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf]
clwsf/ k|of]u u/L] Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq
hf/L ul/Psf] 5 .
$= cfoftsf] nflu ljb]zL d'b|fdf Loan Book ug{ kfpg] Joj:yf ;DaGwdf .
Jofkfl/s kmd{÷sDkgLn] k|lttkq dfkm{t cfoft ug]]{ ;fdfgsf] e'StfgL ug]{ /sd;Dd b]xfo jdf]lhd
kl/jTo{ ljb]zL d'b|fdf Loan Book ug{ kfpg] Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{÷u/fpg'
x'g g]kfn /fi6« a}+s, a}lsË sfof{no nufot cGo sfof{no / Ohfhtkqk|fKt æsÆ ju{sf a+}sx¿nfO{
ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L
of] kl/kq hf/L ul/Psf] 5 .
-s_ ljb]zaf6 ;fdfg cfoft ug]{ Jofkfl/s kmd{÷sDkgLn] k|lttkq dfkm{t cfoft x'g] ;fdfgsf]
nflu k|rlnt Joj:yf adf]lhd kl/jTo{ ljb]zL d'b|f e'StfgL ug{'kg]{ /sd;Ddsf] nflu a9Ldf
() lbg;Dd ;DalGwt a}+s;+u ljb]zL d'b|fdf Loan Book ug{ ;Sg]5g .
-v_ a}+sx?n] cfkm';+u /x]sf] :jtGq (Free of Charge) kl/jTo{ ljb]zL d'b|f df}Hbftsf] Back-up
df dfq o:tf] shf{ k|jfx ug{ ;Sg]5g .
-u_ o:tf] shf{ k|jfx ug]{ k|of]hgsf] nflu o; a}+saf6 ;6xL dfu ug{ kfO{g] 5}g .
-3_ To:tf] shf{ @)&$ a}zfv d;fGt;Dd dfq k|jfx ug{ ;lsg]5 .
-ª_ k|To]s dlxgf o;/L k|jfx u/]sf] shf{sf] ljj/0f a}+ssf] s]Gb|Lo sfof{non] dlxgf Joltt ePsf]
& lbgleq o; ljefudf k]z ug{'kg]{5 .
228
cg';"rL @(=!
............................................ Bank
Weekly Reserve Statement
Data As Of............ In US Dollar
# Net inflows should tally with the sum of total assets (S.N. 1 to 5 i.e., grand total)
Reporting Person :
Designation:
Contact Telephone No. :
Stamp :
S.N. Statement Last week This week Change
1 Cash Balance
2 Agency Bank Balance
2.1 Balance with NRB
2.2 Balance Held Domestically
2.2.1 Balance with other domestic banks
2.2.2 Investments in domestic banks
Sub Total
2.3 Balance Held Abroad
2.3.1 Bank balances
2.3.2 Investments
Sub Total
Total (2.1+2.2+2.3)
3 Other Receivables
4 Clean Bills Purchase
Purchase
Realization
5 Documentary Bills Purchase
Purchase
Realization
Grand Total (1+2+3+4+5)#
6 Import LC Obligation
Open
Payment/Retirement/Cancellation
LC Payable
7 FC Account Balance (Customers' A/C)
8 Forward Liabilities
Purchase
Sale (Liabilities)
229
cg';"rL @(=@
............................................ Bank Detail of Major Inflows and Outflows of Convertible Currencies**
Data As Of............
Inflow Details Amount $ Outflow Details Amount
$
A. Items Affecting the Overall
Reserves of the System
A. Items Affecting the Overall
Reserves of the System
Workers' Remittance Import Payments (Excluding Gold
& Petroleum Product)
Export Proceeds Under LC
Foreign Direct Investment (FDI) Under TT/ Draft
Foreign Commercial Borrowing Gold Import from Overseas
Receipts in NGOs/INGOs A/C Payment/Withdrawal from
Customers' A/C
Receipts in Other Customers A/C Payment under PPA
Cash Purchase from Customers FDI Repatriation
Card Realization Repayment of Foreign Commercial
Borrowings
Other Inflows* Payment under Passport Facility
Payment under Education Facility
Other Services Payments or
Repatriations
Other Outflows*
B. Intra-System Transfers B. Intra-System Transfers
Purchase from NRB Sale to NRB
Purchase from BFIs & Sale to BFIs &
Borrowing/Placements from BFIs Repayment of Borrowings/Return
of Placements Matured
Gold Sale to Domestic Banks Gold Purchase from Domestic
Banks
Other Transfers from BFIs Other Transfers to BFIs
TOTAL TOTAL
NET INFLOWS #
Reporting Person:
Designation:
Contact Telephone No. :
Stamp
& The details of interbank purchase and sales (amount, counterparties, value date) to be disclosed in a separate sheet.
* Material items should be disclosed in a separate sheet.
** Inflows and outflows should be Reported on cash basis.
# Net inflows should tally with the sum of total assets (S.N. 1 to 5 i.e., grand total)
230
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
Plss[t O=k|f= kl/kq M#)÷@)&$
lj=lj=lg=kmf/fd tyf Online Reporting ;DaGwL Joj:yf
-!_ ljb]zL ljlgdo sf/f]jf/ ;DaGwL lgDg lj=lj=lg=kmf/fdx¿ tf]lsP adf]lhdsf] cjlwleq o; a}+sdf
clgjfo{ ?kdf k|]lift ug'{ kg]{ Joj:yf /x]sf]n] ;f]xL adf]lhd ug{'÷u/fpg' x'g ljb]zL ljlgdo -lgoldt
ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u ul/ Ohfhtkqk|fKt ;DalGwt
;a} lgsfox¿nfO{ of] kl/kq hf/L ul/Psf] 5 .
s|=;+= lj=lj=lg
kmf=g+=
kl/kq÷
cg';"rL
ljifo k]z ug'{kg]{ lgsfo cjlw
1 # !=! cfoft k|tLtkq vf]n]sf] ljj/0f ;DalGwt cfoftstf{nfO{ eg{ nufO{
a}+s÷ljQLo ;+:yfn] k]z ug]{ .
b}lgs
2 # æsÆ !=* 8«fk\m6÷l6=l6= ;6xL ;'ljwfsf] lgj]bg b}lgs
3 # ævÆ !=% gub÷8«fk\m6÷l6=l6=;6xL ;'ljwfsf] lgj]bg
-tftf]kfgL eG;f/_
;DalGwt cfoftstf{nfO{ eg{ nufO{
a}+s÷ljQLo ;+:yfn] k]z ug]{ . b}lgs
4 — !=& ltAataf6 cfoft ug{sf] nflu k|bfg ul/Psf]
gub lj=d'=;6xL / a}+s 8«fk\m6÷ l6=l6=sf] ljj/0f
;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . kflIfs
5 $ !=@ k}7f/L e'QmfgL k|df0fkq ;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . b}lgs
6 $ æsÆ !=( 8«fk\m6÷l6=l6= ;6xL ;'ljwfsf] k}7f/L e'QmfgL
k|df0fkq
;DalGwt a}+s÷ljQLo ;+:yfn]
tof/ u/L k]z ug]{ . b}lgs
7 $ ævÆ !=^ gub÷8«fk\m6÷l6=l6= ;6xL ;'ljwfsf] k}7f/L
e'QmfgL k|df0fkq -tftf]kfgL eG;f/_
;DalGwt a}+s÷ljQLo ;+:yfn]
tof/ u/L k]z ug]{ . b}lgs
8 $ æuÆ !=!) gub÷8«fk\m6÷l6=l6=;6xL ;'ljwf -ef=?_ ;DalGwt a}+s÷ljQLo ;+:yfn]
tof/ u/L k]z ug]{ . b}lgs
9 $ æ3Æ !=# qm]l86 (Usance Bill) ;'ljwf cGtu{t x'g]
cfoft .
;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . b}lgs
10 ef=?=@ !=!@ ef/tLo ljdf sDkgLx?n] l/Kofl6«o;gsf] nflu
cg'/f]w ubf{ k]z ug{'kg]{
;DalGwt ljdf sDkgLnfO{ eg{
nufO{ a}+s÷ljQLo ;+:yfn] k]z ug]{ . lgoldt
11 ef=?=# !=!# ef/tLo jfo';]jfx?n] l/Kofl6«o;gsf] nflu
cg'/f]w ubf{ k]z ug{'kg]{
;DalGwt jfo';]jfx?nffO{ eg{ nufO{
a}+s÷ljQLo ;+:yfn] k]z ug]{ . lgoldt
12 ef=?=$ !=!% ef=¿= vl/bsf] ;fKtflxs÷dfl;s ljj/0f ;DalGwt Ohfhtkqk|fKt ;+:yfn]
tof/ u/L k]z ug]{ .
;fKtflxs÷
dfl;s
13 ef=?= % !=!^ ef=¿= ljqmLsf] ;fKtflxs÷dfl;s ljj/0f ;DalGwt Ohfhtkqk|fKt ;+:yfn]
tof/ u/L k]z ug]{ .
;fKtflxs÷
dfl;s
14 — !=$ kl/jTo{ ljb]zL d'b|fdf ;fdfg cfoft ug]{ u/L
vf]lnPsf k|tLtkqx?sf] ;fKtflxs ljj/0f
;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . ;fKtflxs
15 — #=! ;'g cfoft tyf laqmLsf] dfl;s ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . dfl;s
16 — %=@ lgof{tsf] nflu k|fKt clu|d e'QmfgL /sd dWo]
lkmtf{ ul/Psf] /sdsf] ljj/0f ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s
17 ! %=# lgof{t k|tLtkq vf]n]sf] ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . ;fKtflxs
18 @ %=$ b[io lgof{taf6 x'g] k=lj=d'=sf] cfDbfgL ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn]
tof/ u/L k]z ug]{ . ;fKtflxs
19 @ -s_ %=% lgof{t e'QmfgL k|fKt x'g gcfPsf] ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . Dffl;s
20 — &=@ /fxbgL afkt ;6xL ;'ljwf ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s
231
s|=;+= lj=lj=lg
kmf=g+=
kl/kq÷
cg';"rL
ljifo k]z ug'{kg]{ lgsfo cjlw
21 — &=# Jofkf/ k|j4{g afkt k|bfg ul/Psf] ;6xL ;'ljwf ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s
22 — &=& g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3sf] l;kmfl/;df
k|bfg ePsf] ;6xL ;'ljwf
;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . dfl;s
23 — !(=! hnljB't pTkfbg tyf k|;f/0f kl/of]hgfnfO{
k|bfg ul/Psf] C0f ;DaGwdf
;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . b}lgs
24 — !(=@ e'QmfgL ug{ afFsL C0fsf] hfgsf/L ;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ .
cw{jflif{s /
jflif{s
25 — @)=! Forward sf/f]jf/sf] ;fKtflxs ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/
u/L k]z ug]{ . ;fKtflxs
26 — @#=! ljb]zL nufgLstf{sf] nflu hf/L ul/g] k|df0fkq ;DalGwt Ohfhtkqk|fKt a}+sx?n]
tof/ u/L k]z ug]{ . lgoldt
27 — @#=@ ljb]zL d'b|fdf C0f lelqPsf] k|df0fkq ;DalGwt Ohfhtkqk|fKt a}+sx?n]
tof/ u/L k]z ug]{ . lgoldt
28 — @%=! Statement Of Inward Remittance (Countrywise Transaction)
/]ld6fG; sf/f]jf/ ug{
Ohfhtkqk|fKt ;Dk"0f{ lgsfox?n]
tof/ u/L k]z ug]{ .
dfl;s
29 — @%=@ Statement Of Inward Remittance (Companywise Transaction)
/]ld6fG; sf/f]jf/ ug{
Ohfhtkqk|fKt ;Dk"0f{ lgsfox? . dfl;s
30 — @&=$ Xf]6n÷6«fen÷6«]lsË Ph]G;Lsf] lj=d'= sf/f]jf/ . ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s
31 — @&=& Indian Currency Purchase/Sales Statement ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s
32 cg';"rL
@ @*-s_
Threshold Transaction Report (TTR) Form
for MSBs
d'b|f ;6xL ;DaGwL sfo{ ug]{
;DalGwt Ohfhtkqk|fKt lgsfo kflIfs
33 cg';"rL
# @*-s_
Suspicious Transaction Report and Internal Record Form for Money Changers
d'b|f ;6xL ;DaGwL sfo{ ug]{
;DalGwt Ohfhtkqk|fKt lgsfo tTsfn
34 cg';"rL
@ @*-v_
Threshold Transaction Report (TTR) Form for
MSBs
ljk]|if0f tyf d'b|f :yfgfGt/0f
;DaGwL sfo{ ug]{ ;DalGwt
Ohfhtkqk|fKt lgsfo
kflIfs
35 cg';"rL
# @*-v_
Suspicious Transaction Report and Internal Record
Form for MSBs
ljk]|if0f tyf d'b|f :yfgfGt/0f
;DaGwL sfo{ ug]{ ;DalGwt
Ohfhtkqk|fKt lgsfo
tTsfn
36
— @(=! Weekly Reserve Statement ;DalGwt a}+s÷ljQLo ;+:yfn]
tof/ u/L k]z ug]{ . ;fKtflxs
37 — @(=@ Detail of Major Inflows and Outflows of
Convertible Currencies
;DalGwt a}+s÷ljQLo ;+:yfn]
tof/ u/L k]z ug]{ . ;fKtflxs
-@_ Online Reporting ;DaGwdf M
ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf # adf]lhd o; a}+saf6 Ohfhtkqk|fKt ljk|]if0f
sf/f]jf/ ug]{ a}+s tyf ljQLo ;+:yf, /]ld6fG; sDkgL, ;6xL sf/f]jf/ ug]{ dlgr]~r/, ljb]zL ljlgdosf]
sf/f]jf/ ug]{ xf]6n, 6«feN;, 6«]lsË, sfuf]{ nufotsf lgsfox?n] cfkm"n] u/]sf] ljb]zL ljlgdo
sf/f]jf/sf] dfl;s ljj/0f tyf sfuhft o; ljefudf lgoldt ?kdf a'emfpg] Joj:yf /x]sf]df ;f]
sfo{nfO{ ;/nLs[t / Jojl:yt agfpg] p2[]Zon] oxL @)&$ ;fn a};fvb]lvsf] To:tf] ljj/0f clgjfo{
?kdf Online Reporting sf dfWodaf6 dfq k]z ug{' kg]{ Joj:yf ldnfO{Psf] 5 . o; Joj:yfsf]
sfof{Gjogsf] nflu ;a} Ohfhtkqk|fKt ;+:yfsf] cflwsfl/s JolQm klxnf] k6s o; ljefudf cfkm}
pkl:yt tf]lsP jdf]lhdsf] ljj/0f ;lxtsf] kmf/fd a'emfO{ cfkm\gf] User Name / Password k|fKt
u/L ;f]xL adf]lhd Online Reporting ug]{ Joj:yf ug{' u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g,
@)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L of] kl/kq hf/L ul/Psf] 5 . ;fy},
pQm kmf/fd a'emfpFbf Online-Reporting ug]{ t/Lsf af/] ;d]t k|lzIf0f lbOg] Joj:yf ldnfOPsf] 5 .
232
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefu
ljb]zL ljlgdo lgoldt ug]{ P]g, @)!( sf] k|of]hgsf ] nflu
hf/L ul/Psf ;fj{hlgs ;"rgfx?
-!_ k|ToIf j}b]zLs nufgL M k'FhL, C0f, Jofh tyf nfef+; ;DaGwL ;"rgf M
-ldlt @)^*÷!@÷@! sf] ;fj{hlgs ;"rgfnfO{ vf/]h u/L ldlt @)^(÷!)÷( sf] lg0f{ofg';f/ hf/L ul/Psf]_
ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !)s= adf]lhd ljb]zL nufgLstf{n] g]kfndf
nufgL ug]{ pQm P]gsf] bkmf !)v= adf]lhd ljb]zL ljlgdodf C0f lng] tyf pQm P]gsf] bkmf !)u=
adf]lhd ljb]zL d'b|fdf g]kfn aflx/ nufgL lkmtf{ n}hfg] k|of]hgsf nflu b]xfo adf]lhdsf] sfuhft
k]z u/L o; a}+s ;dIf :jLs[ltsf] nfuL k]z ug'{kg]{ ePsf]n] ;DalGwt ;a}sf] nflu of] ;"rgf
k|sfzg ul/Psf] 5 .
-s_ ljb]zL nufgLstf{n] g]kfndf nufgL ug]{ ;DaGwdf M
!= ljb]zL nufgLstf{n] g]kfndf nufgL ubf{ ljb]zL nufgL tyf k|ljlw x:tfGt/0f P]g, @)$(
adf]lhd k|lqmof k"/f u/L g]kfn ;/sf/, pBf]u ljefu jf 3/]n' tyf ;fgf pBf]u ljefuaf6
k|fKt :jLs[ltkq
@= ljb]zL nufgLstf{n] g]kfndf nufgL ug{ :jLs[lt k|fKt u/]sf] s'/f ;DalGwt lgodgsf/L
lgsfo tyf ;DalGwt JolQmn] o; a}+snfO{ lbPsf hfgsf/Lkq
#= nufgL leq\ofpg] ;+:yfsf] lg0f{osf] k|ltlnlk
$= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, s/ r'Qmf u/]sf] cBfjlws ljj/0f / k|jGwkq
tyf lgoddfjnL eP ;f] ;DaGwL sfuhftx?
%= nufgL leq\ofpg] kmd{, sDkgL jf ;+:yf shf{ ;"rgf s]Gb|sf] sfnf];"rLdf g/x]sf] k|dfl0ft
x'g] sfuhft
^= ljb]zL nufgLstf{n] nufgL ubf{ slDtdf ! jif{ nufgL lkmtf{ gug]{ k|ltj4tf kq7
&= nufgL ug]{ ljb]zL kmd{÷sDkgL÷;+:yfsf] n]vfk/LIfsaf6 k|dfl0ft ljQLo ljj/0f
*= nufgLsf] ;|f]t tyf pQm nufgL g]kfn leq\ofpg] ;do tflnsf (Time Schedule) pNn]v
ePsf] sfuhft
(= cGo s'/fsf] xsdf k|rlnt sfg"g adf]lhd x'g] .
-v_ ljb]zL d'b|fdf C0f lng] ;DaGwdf M
-c_ kmd{,sDkgL jf ;+:yfx?sf nflu
!= C0f lng] kmd{÷sDkgL÷;+:yf / C0f lbg] kmd{÷sDkgL÷;+:yf jLr ePsf] ;Demf}tf .
@= C0f a}ls+Ë k|0ffnLaf6 k|fKt x'g] k|ltj4tf kq
#= ljb]zaf6} C0f lng'kg]{ cfjZostf k'li6 x'g] sfuhft
$= ;DalGwt kmd{÷sDkgL÷;+:yfsf] lg0f{osf] k|ltlnlk
%= C0f lng] kmd{÷sDkgL÷;+:yfsf] lgofds lgsfosf] :jLs[ltkq
7ldlt @)&)÷%÷@^ sf] lg0f{ofg';f/ bkmf ^, &, / * yk ePsf]
233
^= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, s/ r'Qmf u/]sf] cBfjlws ljj/0f /
k|jGwkq tyf lgoddfjnL eP ;f] ;DaGwL sfuhftx?
&= C0f lng] kmd{, sDkgL jf ;+:yf shf{ ;"rgf s]Gb|sf] sfnf];"rLdf g/x]sf] k|dfl0ft x'g]
sfuhft
*= C0f r'Qmf ug]{ cfwf/ v'Ng] sfuhft
(= C0f pkof]u ug]{ If]q v'Ng] sfuhft
!)= ljlgdo hf]lvdsf] ;+efjgf / To;nfO{ Jojl:yt ug]{ cfwf/ v'Ng] sfuhft
!!= ljb]zaf6 C0f lng rfxg] g]kfnL sDkgLx?n] ljb]zaf6 lng] C0fsf] Jofh lgwf{/0f
ubf{ a9Ldf k|rlnt jflif{s Libor Rate df dgfl;j lk|ldod b/ yk u/L Jofhb/
sfod u/]sf] x'g' kg]{5
!@= ljb]zaf6 C0f leq\ofpg pBf]uL, JolQm, kmd{, sDkgL tyf ;+3 ;+:yfn] ljb]zaf6
lnOg] elgPsf] C0f g]kfns} jfl0fHo a}+s tyf ljQLo ;+:yfx?af6 cfjZos kl/df0f /
Jofhb/df lng g;Sg] cj:yf ;[hgf ePsf] s'/f lgj]bgdf lj:t[t ?kdf pNn]v ePsf]
x'g'kg]{58
!#= ljb]zl:yt a}+s tyf ljQLo ;+:yfx?af6 C0f k|fKt ug{ sl7gfO ePdf ljb]zl:yt
;DalGwt b]zsf] ;/sf/ jf s]Gb|Lo a}+s jf cGo lgofds lgsfoaf6 shf{ k|jfx ug{
:jLs[lt k|fKt u/]sf] ljQ sDkgL jf ljQLo ;+:yfx?af6 shf{ lng' kg]{ . To:tf]
;+:yfx?af6 klg shf{ k|fKt ug{ sl7gfO{ ePdf o; a}+sn] tf]s]sf] zt{x?sf] cwLgdf
/xL ljb]zL ;+:yf÷sDkgLx?af6 klg shf{ lng ;Sg] t/ o;/L shf{ ln+bf shf{ k|bfg
ug]{ ljb]zL ;+:yf÷sDkgLsf] n]vfk/LIfsaf6 k|dfl0ft ljQLo ljj/0f tyf shf{sf] ;|f]t
Pjd\ pQm shf{ Nofpg] tyf lkmtf{ n}hfg] ;do tflnsf (Time Schedule) pNn]v
ePsf] sfuhft k]z ug{' kg]{59
!$= ;a} lsl;dsf] shf{ ln+bfsf] Jofhb/ cGt/f{li6«o k|rlnt Jofhb/;Fu ;fd~h:o /fVg]
lsl;dsf] x'g'kg]{510
!%= cGt/f{li6«o ljQLo ;+:yfx? ljZj a}+s, IFC, ADB h:tf ;b:o ePsf cGt/f{li6«o tyf
If]lqo ;+:yfx?n] gLlh If]qnfO{ k|bfg ug]{ C0fsf] xsdf o; a}+sn] lg0f{o u/] cg'?k
x'g]5 11
!^= a'Fbf g+= -!#_ df pNn]lvt ;+:yfaf6 C0f ln+bf C0fsf] Jofhb/ a9Ldf One Year Libor
rate+upto 5.5% leq x'g'kg]{512
!&= C0f lng] :jLs[ltsf] nflu lgj]bg lb+bf ;f] C0f k|fKt ug]{ / ltg]{ ;do tflnsf
(Repayment – Schedule) ;+nUg x'g'kg]{513
pko{'Qm ljj/0fx? ;lxt k|fKt x'g] lgj]bgpk/ o; a}+sn] cfjZos cWoog u/L pko'Qm
b]lvPdf C0f lng :jLs[tL lbg]5 / o;/L :jLs[tL lbFbf a}+sn] cfjZos b]lvPdf zt{x? klg
8 ldlt @)&)÷!÷@# sf] lg0f{ofg';f/ a'Fbf !@ yk ePsf] 9 ldlt @)&).!.@# sf] lg0f{onfO{ ldlt @)&)÷%÷@^ sf] lg0f{oaf6 ;+zf]wg eO{ sfod x'g cfPsf] 10 ldlt @)&)÷!÷@# sf] lg0f{ofg';f/ a'Fbf !$ yk ePsf]
11 ldlt @)&)÷!÷@# sf] lg0f{ofg';f/ a'Fbf !% yk ePsf] 12 ldlt @)&).!.@# sf] lg0f{onfO{ @)&)÷%÷@^ sf] lg0f{oaf6 ;+zf]wg eO{ sfod x'g cfPsf]
13 ldlt @)&)÷%÷@^ sf] lg0f{oaf6 yk ePsf]
234
tf]Sg ;Sg]5 . To;/L tf]lsPsf zt{x? kfngf ug'{ lgj]bs kmd{, sDkgL jf ;+:yfsf] st{Jo
x'g]5 .
-cf_ g]kfnL gful/sn] ljb]zaf6 C0f lng kfpg] ;DaGwdf Mg]kfnL gful/sn] cfˆgf] Joj;fo
ug{ jf eO/x]sf] Joj;fo lj:tf/ ug{ o; a}+ssf] k"j{ :jLs[lt lnO{ ljb]zdf /x]sf cfk\mgf
gft]bf/, cGo JolQm, u}/ cfjf;Lo g]kfnL jf ;+3 ;+:yfaf6 b]xfosf zt{x?sf cwLgdf /xL
cd]l/sL 8n/ @ nfv ;Dd C0f lng ;Sg] Joj:yf ul/Psf] 5 .
!= lgj]bsn] ul//x]sf] jf ug]{ Joj;fosf] lsl;d / C0f pkof]u ug]{ of]hgf k]z ug'{ kg]{
@= o:tf] C0f ljgf Jofh x'g' kg]{
#= o:tf] C0fsf] e'QmfgL cjlw Go"gtd % jif{sf] x'g'kg]{
$= o:tf] /sd a+}lsË dfWodaf6 cfpg' kg]{
%= C0f r'Qmf ug]{ cfwf/ k]z ug'{ kg]{ .
-O_ g]kfnL kmd{, sDkgL,pBf]u jf cGo ;+:yfx?n] cfˆg} sDkgLsf ljb]zL JolQmut
nufgLstf{{af6 ljb]zL d'b|fdf C0f lng] ;DaGwdf14
!= cfˆg} sDkgLsf ljb]zL JolQmut nufgLstf{{af6 g]kfndf C0f nufgL ug]{ ;DaGwdf
ljb]zL nufgL tyf k|ljlw x:tfGt/0f P]g, @)$( adf]lhd k|lqmof k"/f u/L cfˆgf]
lgofds lgsfo jf g]kfn ;/sf/, pBf]u dGqfno, pBf]u ljefu jf 3/]n' tyf ;fgf
pBf]u ljefuaf6 k|fKt :jLs[ltkq . @= C0f lng] kmd{÷sDkgL÷pBf]u÷cGo ;+:yf / C0f lbg] ljb]zL JolQmut nufgLstf{{
aLr ePsf] ;Demf}tf . #= C0f a}+lsË k|0ffnLaf6 k|fKt x'g] k|ltj4tf kq
$= ljb]zaf6} C0f lng'kg]{ cfjZostf k'li6 x'g] sfuhft %= ;DalGwt kmd{÷sDkgL÷pBf]u÷cGo ;+:yfsf] C0f lng] ;DaGwL lg0f{osf] k|ltlnlk .
^= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, s/ r'Qmf u/]sf] cBfjlws ljj/0f /
k|jGwkq tyf lgoddfjnL eP ;f] ;DaGwL sfuhftx? &= C0f lng] kmd{÷sDkgL÷pBf]u÷cGo ;+:yf shf{ ;"rgf s]Gb|sf] sfnf];"rLdf g/x]sf]
k|dfl0ft x'g] sfuhft *= C0f r'Qmf ug]{ cfwf/ v'Ng] sfuhft (= ljlgdo hf]lvdsf] ;Defjgf / To;nfO{ Jojl:yt ug]{ cfwf/ v'Ng] sfuhft . !)= shf{ k|bfg ug]{ ljb]zL JolQmsf] n]vfk/LIfsaf6 k|dfl0ft cfo÷;DklQ ljj/0f jf
s/sf] bfo/fdf /x]sf] k|dfl0ft x'g] sfuhft / shf{sf] ;|f]t !!= shf{ Nofpg] tyf lkmtf{ n}hfg] ;do tflnsf (Time Schedule) pNn]v ePsf]
sfuhft .
!@= ljb]zaf6 C0f leq\ofpg] kmd{÷sDkgL÷pBf]u÷cGo ;+:yfn] ljb]zaf6 lnOg] elgPsf]
C0f g]kfns} jfl0fHo a}+s tyf ljQLo ;+:yfx?af6 cfjZos kl/df0f / Jofhb/df
lng g;Sg] cj:yf ;[hgf ePsf] s'/f lgj]bgdf lj:t[t ?kdf pNn]v ePsf] x'g'kg]{ . !#= ljb]zL JolQmut nufgLstf{n] k|jfx ug]{ C0fsf] xsdf g]kfndf k'FhL÷z]o/df u/]sf]
nufgLsf] ^) k|ltzt eGbf a9L C0f lbg gkfOg] cyf{t\ Debt/Equity Ratio ^)M$)
eGbf a9L x'g gx'g]
14 ldlt @)&@÷&÷!* sf] lg0f{ofg';f/ yk ePsf]
235
!$= ljb]zaf6 C0f lng rfxg] g]kfnL kmd{÷sDkgL÷pBf]u÷cGo ;+:yfx?n] ljb]zaf6 lng]
C0fsf] Jofhb/ lgwf{/0f ubf{ k|rlnt jflif{s Libor Rate df @=)) k|ltzt eGbf a9L
lk|ldod b/ yk ug{ gkfOg] . !%= C0f afktsf] /sd ;DalGwt kmd{÷sDkgL÷pBf]u÷cGo ;+:yfsf] tf]lsPsf] If]qdf g}
pkof]u ug{'kg]{ . !^= C0f k|fKt ePsf] #% lbg leq ;f]sf] ljj/0f ;lxt o; a}+sdf clgjfo{?kdf n]vfÍg
u/fpg'kg]{ .
-u_ ljb]zL d'b|fdf g]kfn aflx/ nufgL lkmtf{ n}hfg] ;DaGwdf M
!= g]kfndf nufgL ug{sf nflu Joj;fosf] k|sf/ adf]lhdsf] lgodgsf/L lgsfoaf6 lnOPsf]
:jLs[lt kqsf] k|ltlnlk
@= g]kfn /fi6« a}+saf6 ljb]zL nufgL afkt ljb]zL d'b|f g]kfndf Nofpg lbOPsf] :jLs[lt
kqsf] k|ltlnlk
#= k'FhL lelqPsf] k|df0f :j?k ljb]zL a}+s dfk{mt g]kfnL a}+sdf hDdf ePsf] vftfsf] :6]6d]06
jf a}+s tyf ljQLo ;+:yfåf/f hf/L ul/Psf] k|df0fkq
$= ;DalGwt lgodgsf/L lgsfoaf6 k|dfl0ft u/]sf] ljb]zL nufgLstf{ -z]o/ laqmLstf{_ /
v/Lbstf{ aLr ePsf] z]o/ lsga]r ;DaGwL sfuhft (Sale and Purchase Agreement) sf]
k|ltlnlk
%= z]o/ ljqmL ug]{ kmd{, sDkgL, jf ;+:yfsf] ;DklQ tyf bfloTj d"Nof+sg u/L tof/ ul/Psf]
k|ltj]bg
^= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, k|aGwkq tyf lgodfjnLsf] k|ltlnlk .
&= cBfjlws s/ r'Qmf u/]sf] ljj/0f
*= sDkgL /lhi6«f/ sfof{noaf6 k|dfl0ft ul/Psf] z]o/wgLsf] cBfjlws nut ljj/0f .
(= v/Lbstf{ g]kfnL gful/s ePsf] v08df lgh v/Lbstf{ JolQm÷;+:yf÷sDkgL shf{ ;"rgf
s]Gb|df sfnf];"rLdf gePsf] k|dfl0ft x'g] sfuhft
!)= ljb]zL nufgL cGt/ut o; a}+ssf] ;d]t :jLs[lt lnO{ ljb]zaf6 C0f lnPsf g]kfnL
sDkgLx?n] ljb]zdf Jofh tyf ;f+jf e'QmfgL k7fpg' cl3 shf{ ;"rgf s]Gb|af6 sfnf]
;"rLdf g/x]sf] k|df0f / g]kfnsf s'g} klg a}+s tyf ljQLo ;+:yf;Fu efvf gf3]sf] C0f
gePsf] :j3f]if0ffkq .
!!= g]kfn lwtf]kq ljlgdo jhf/ ln= df ;'rLs[t gePsf sDkgLsf] xsdf sDkgLsf]
jf;nftsf] ;DklQ / bfloTjsf] cfwf/df sfod x'g cfPsf] d"Nodf Nepal Financial
Reporting Standard 3: Business Consideration df ePsf] Joj:yf adf]lhd ;DklQ tyf
bfloTjsf] Fair Value Amount n] x'g] z]o/ d"No 15
!@= k|rlnt Joj:yf adf]lhd s'g} ;/sf/L lgsfo, cGt/f{li6«o ;+3 ;+:yfaf6 k|fKt cg'bfgaf6
Capital Reserve df u0fgf u/]sf] /x]5 eg] tf]lsPsf] sfo{ ;DkGg ePsf] lgofds
lgsfoaf6 k|dfl0ft kq
!#= pko{'Qm adf]lhd ;6xL ;'ljwfsf] nflu dfu ubf{ o; a}+sn] ljb]zL d'b|fdf g]kfn aflx/
nufgL lkmtf{ n}hfg] ;DaGwdf ldlt @)^(.!).)( df hf/L ;'rgf adf]lhd tf]s]sf]
15 ldlt @)&!÷)^÷* sf] lg0f{og';f/ bkmf !! b]lv !# ;Dd yk ePsf]
236
sfuhftx?sf ;fy} k|rlnt Joj:yf adf]lhd nfUg] kF'hLut nfe s/ tyf s/ j'emfPsf]
Joxf]/f ;DalGwt cfGtl/s /fh:j ljefuaf6 k|dfl0ft kq
-3_ ljb]zL d'b|fdf u/]sf] nufgLaf6 cfh{g u/]sf] d'gfkmf lkmtf{ n}hfg] ;DaGwdf M
!= g]kfndf nufgL ug{sf nflu Joj;fosf] k|sf/ adf]lhdsf lgodgsf/L lgsfoaf6 lnOPsf]
:jLs[lt kqsf] k|ltlnlk
@= g]kfn /fi6« a}+saf6 ljb]zL nufgL afkt ljb]zL d'b|f g]kfndf Nofpg lbPsf] :jLs[lt kqsf]
k|ltlnlk
#= k'FhL lelqPsf] k|df0f :j?k ljb]zL a}+s dfk{mt g]kfnL a}+sdf hDdf ePsf] vftfsf] :6]6d]06
$= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, k|aGwkq tyf lgodfjnLsf] k|ltlnlk
%= n]vfk/LIfsaf6 k|dfl0ft eO{ ;fwf/0f ;ef dfk{mt kfl/t ePsf] Joj;fosf] n]vf k|ltj]bg
tyf jflif{s k|ltj]bg
^= nfef+zdf lgodfg';f/ nfUg] s/ bflvnf u/]sf] lg:;fsf] k|ltlnlk
&= cBfjlws s/ r'Qmf u/]sf] ljj/0f
leid/fh 9'+ufgf leid/fh 9'+ufgf
sfo{sf/L lgb]{zs
ljb]zL ljlgdo Joj:yfkg ljefu
237
-@_ ljb]zL nufgL -z]o/ tyf C0f_ sf] n]vf+sg u/fpg] ;DaGwdf uf]/vfkqdf k|sflzt ;"rgf
g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefusf]
ljb]zL nufgL tyf C)fsf] n]vf+sg
/fpg] af/]sf] ;"rgf
g]kfndf :yfkgf x'g] pBf]u÷kmd{÷sDkgLdf g]kfn ;/sf/sf] ;DalGwt lgsfo / o; a}++ssf] :jLs[lt
lnO{ ePsf] ljb]zL nufgL / ;f]xL adf]lhd :jLs[lt lnO{ ljb]zaf6 lnPsf] C0f tyf nufgL ;DaGwL
ljj/0fsf] clen]v cBfjlws ug]{ ;DaGwdf ldlt @)^( kmfu'g !) ut] ul/Psf] ;fj{hlgs ;"rgfsf]
cfwf/df s]xL pBf]u, kmd{ tyf sDkgLn] dfq ljj/0f k]z u/L clwsf+zn] ;f] ljj/0f k]z gu/]sf]
x'Fbf k'gM of] ;"rgf k|sflzt ul/Psf] 5 . t;y{, ljb]zL nufgL /x]sf jf ljb]zaf6 C0f ;fk6 lnO{
o; a}+sdf n]vf+sg gu/fPsf To:tf pBf]u, kmd{ tyf sDkgLn] o; a}+sn] u/]sf] Joj:yf cg'?k
b]xfo adf]lhdsf] sfuhft / ljj/0f ;lxt ljb]zL nufgL tyf C0fsf] n]vf+sg u/fpg of] ;"rgf
k|sfzg ul/Psf] 5 .
-s_ pBf]u, kmd{ tyf sDkgLdf ePsf] oyfy{ nufgL -z]o/ tyf C0f_ sf] ljj/0f cBfjlws ug{sf
nflu o; a}+ssf] ljb]zL ljlgdo Joj:yfkg ljefudf cfj]bg lbO{ ljb]zL nufgLsf] clen]v
u/fpg'kg]{ 5 . ljb]zL nufgLstf{n] g]kfndf nufgL ug{ / ljb]zL d'b|fdf C0f lng o; a}+s
;dIf k]z ug{ kg]{ sfuhftsf] ;"rL o; a}+ssf] j]e;fO6 af6 k|fKt ug{ ;lsg] 5 .
-v_ o;/L ljb]zL nufgL -C0f ;d]t_ :jLs[lt lnO{ ;s]sf / o; kl5 :jLs[lt lng] pBf]u, kmd{
tyf sDkgLn] cfˆgf] pBf]usf] nflu :jLs[t ePsf] ljb]zL nufgL /sd -C0f ;d]t_ /
leq\ofPsf] j}b]lzs nufgL -C0f ;d]t_ sf] ljj/0f k|To]s cfly{s jif{sf] ;fpg / df3 dlxgfdf
o; ljefudf clgjfo{ ?kdf pknAw u/fpg'kg]{5 . Ps k6s ljj/0f cBfjlws u/fPkl5 ;f]xL
ljj/0f k'gM k7fpg'kg]{ 5}g . t/ nufgL yk ePdf, :jLs[t nufgLsf] aFfsL /sd lelqPdf jf
j}b]lzs nufgL cg'kft kl/jt{g ePdf eg] o; Joj:yf adf]lhdsf] ljj/0f cBfjlws u/fpg'
kg]{5 .
-u_ n]vf+sg gePsf] nufgL tyf C0fsf] ;6xL ;'ljwf pknAw u/fpg of] a}+s afWo x'g] 5}g .
ldlt M @)&!.!!.!!
leid/fh 9'+ufgf leid/fh 9'+ufgf leid/fh 9'+ufgf
sfo{sf/L lgb]{zs
ljb]zL ljlgdo Joj:yfkg ljefu
238
-#_ gub g]kfnL tyf ljb]zL d'b|f cf];f/ k;f/df k|ltaGw nufOPsf] ;DaGwL ldlt @)&@.&.* sf]
lg0f{ofg';f/ ldlt @)&@.*.^ df k|sflzt ;"rgf
g]kfn /fi6« a}+ssf]
gub g]kfnL tyf ljb]zL d'b|f cf];f/ k;f/df
k|ltaGw nufOPsf] ;DaGwL ;"rgf
ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf % sf] Joj:yf adf]lhd g]kfn ;/sf/,
cy{ dGqfnon] ldlt @)&!.!).!% ut] g]kfn /fhkq efu % df k|sflzt u/]sf] ;"rgfdf g]kfnL
gful/sn] o; a}+sn] Joj:yf u/]sf] jfx]s g]kfnL tyf ef/tLo d'b|f cGo d'n'sdf n}hfg jf k7fpg
gkfOg] / ef/t afx]s cGo d'n'saf6 Nofpg gkfOg] Joj:yf /x]sf] / ljb]zL gful/ssf] xsdf o;
a}+sn] tf]ls lbPsf] ;Ldf eGbf a9L ljb]zL d'b|f n}hfg jf Nofpg k/]df To:tf JolQmx?n] g]kfn
k|j]z ubf{ cfkm';Fu NofPsf] gub ljb]zL d'b|fsf] xsdf To:tf] ljb]zL d'b|fsf] /sd eG;f/ clws[t
;dIf 3f]if0ff / k|dfl0ft u/]sf] x'g' kg]{5 eGg] Joj:yf /x]sf] x'Fbf g]kfnL d'b|f tyf ljb]zL
ljlgdosf] cf];f/ k;f/df lgoGq0f ug]{ k|of]hgsf nflu b]xfo cg';f/sf] ;Ldf tyf Joj:yf sfod
ul/Psf]n] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ sf] clwsf/ k|of]u u/L ;a}sf]
hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .
!= g]kfnL jf ljb]zL gful/s cGo d'n'sdf hfFbf k|ltJolQm g]kfnL ?k}ofF %,))).– eGbf a9L
;fydf n}hfg jf cGo d'n'saf6 ;fydf lnO{ cfpg kfpg] 5}g .
@= g]kfnL jf ljb]zL gful/sn] g]kfnaf6 cGo d'n'sdf hfFbf k|ltJolQm cd]l/sL 8n/ %,))).–
-kfFr xhf/_ jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f eGbf a9L gub} ;fydf n}hfg kfpg]
5}g . t/ ljz]if k|of]hgsf nflu /fxbfgLdf j}+sn] b/lk7 u/L ;6xL lbPsf] xsdf ;f] aGb]h
nfUg] 5}g .
#= g]kfnL jf ljb]zL] gful/sn] gub ljb]zL d'b|f cd]l/sL 8n/ %,))).– -kfFr xhf/_ jf ;f]
a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f eGbf a9L ;fydf NofPsf] jvt eG;f/ 3f]if0ff u/L
k|dfl0ft u/]sf] x'g' kg]{5 .
$= pk/f]Qm Joj:yf sfof{Gjogdf s'g} afwf c8sfp k/]df ;DalGwt kIfn] g]kfn /fi6« a}+sdf
lgj]bg lbO{ To:tf] afwf c8rg km'sfpg ;lsg]5 .
leid/fh 9'+ufgf leid/fh 9'+ufgf leid/fh 9'+ufgf
sfo{sf/L lgb]{zs
ljb]zL ljlgdo Joj:yfkg ljefu
239
-$_ g]kfnL tyf ljb]zL gful/sn] cfkm';+u ePsf] ljb]zL ljlgdosf] ljj/0f a'emfpg] ;DaGwL ;"rgf
g]kfn uh]6
efu #
>L % sf] ;/sf/åf/f k|sflzt
-v08 !#_ sf7df08f}, r}q !& ut] @)@) ;fn -;+Vof %)_
>L % sf] ;/sf/
cy{ dGqfnosf]
;"rgf
ljb]zL ljlgdo lgoldt ug]{ P]g, @)!( sf] bkmf !! n] lbPsf] clwsf/ k|of]u u/L >L % sf]
;/sf/n] lgDg lnlvt cfb]z hf/L u/]sf] 5 .
g]kfndf jf ljb]zdf ef=?=afx]s cGo ljb]zL ljlgdo /fv]sf -)@).$.@@ / ldlt @)@).!).@& sf]
g]kfn uh]6 efu # df k|sflzt_ tf]lsPsf If]qx?df a;f]af; u/]sf ;a} g]kfnL gful/sx? tyf pQm
If]qx?df a;f]af; u/L gfkmf ug]{ p2]Zon] s'g} Jofkf/ ul//x]sf ljb]zLx?n] ;d]t lghx?;+u ePsf] ljb]zL
ljlgdosf] b]xfo jdf]lhdsf] ljj/0f of] ;"rgf k|sflzt ePsf] ldltn] $ dlxgfleq g]kfn /fi6« a}+s s]Gb|Lo
clkm; sf7df08f}df lbg cfb]z hf/L u/]sf] 5' .
!= ljb]zL ljlgdosf] wgLsf] k"/f gfd M–
@= P] P] sf] k"/f 7]ufgfM–
#= lgh;+u /x]sf] ljb]zL ljlgdosf] df}HbftM–
$= ljb]zL ljlgdo s'g ?k -Form_ df /flvPsf] 5 M–
%= ljb]zL ljlgdo a}+s df}Hbftsf] ?kdf /flvPsf] eP lx;fj /fVg] a}+ssf] gfd / 7]ufgfM–
^= ljb]zL ljlgdo ljb]zL ;]So"l/6Lsf] ?kdf /fv]sf] eP b]xfo jdf]lhdsf] ljj/0f lbg' kg]{5 M–
-s_ wgLsf] k"/f gfd / 7]ufgfM–
-v_ ;]So"l/6Lsf] k"0f{ ljj/0f h:t} M Jof/–j08, /lhi68{ cyjf OG:qmfOA8 :6s OTofbL s] xf] <
-u_ ;]So"l/6Lsf] d"n -Nominal_ /sd M–
-3_ ;]So"l/6L d'Qm 5 cyjf k|ltjlGwt < k|ltalGwt eP k|ltaGwsf] k"0f{ ljj/0f lbg' k5{ / ;f]
s]So"l/6Lsf] lwtf]df s'g} C0f lnPsf] eP s'g d'b|fdf ;f] C0f lnPsf] / s'g JolQm jf ;+:yfjf6
lnPsf] xf] gfd / 7]ufgf ;lxt ljj/0f vf]Ng' kb{5M–
-ª_ s'g :yfgdf s'g JolQm jf ;+:yf;+u ;f] ;]So"l/6L hDdf u/L /flvPsf] 5 ;f]sf] gfd, 7]ufgf M–
-r_ s'g JolQmsf] gfddf ;f] ;]So"l/6L /flvPsf] 5 < lghsf] k"/f gfd / 7]ufgf -olb of] ljj/0f k]z
ug]{ JolQm jfx]s cGo JolQmsf] gfddf /x]sf] eP_ ljb]zL ljlgdo cfh{g ug]{ crn ;DklQsf]
xsdf b]xfo adf]lhdsf] ljj/0f lbg'kg]{ 5M–
-s_ o; k|sf/sf] crn ;DklQ ePsf] :yfg / ;DklQsf] ?kM–
-v_ pQm ;DklQ /x]sf] :yfgsf] s/ clwsf/Låf/f d"Nof+sg ul/Psf] d"No M–
-u_ To; crn ;DklQaf6 x'g] jflif{s ;/b/ cfDbfgLM–
b|i6Jo M
ljb]zL ljlgdo eGgfn] ljb]zL d'b|f ;Demg'kb{5 / of] zAbn] ljb]zL d'b|fdf e'StfgL x'g] jf
x'g;Sg] ;a} lsl;dsf] l8kf]lh6 qm]l86 / df}Hbft ljb]zL ;]So'l/l6 ljb]zL z]o/ / g]kfnL d'b|fdf
n]lvPsf] jf lgsflnPsf] -8«g_ t/ ljb]zL d'b|fdf e'StfgL x'g] jf x'g;Sg] h'g;'s} 8«fˆ6 6«fen;{ r]s
k|lttkq -Letter of Credit_ / aLn ckm PS;r]~hnfO{ ;d]t hgfpF5 .
cf1fn]–
-8f=ofbjk|;fb kGt_
>L % sf] ;/sf/sf] ;lrj
240
-%_ x'nfsaf6 ;fdfg lgof{t ug]{ ;DaGwL ;"rgf
g]kfn uh]6
efu –#
>L % sf] ;/sf/åf/f k|sflzt
sf7df8f}+, j}zfv @( ut] @)@! ;fn
g]kfn /fi6« a}+ssf]
;"rgf
ljb]zL ljlgdo -lgoldt ug]{_ lgodx?, @)@) sf] lgod $ sf] v08 -s_ n] lbPsf] clwsf/ k|of]u
u/L -@)@).$.@@ / @)@).!).@& sf] g]kfn uh]6 efu # df k|sflzt_ tf]lsPsf If]qx?df nfu" x'g] u/L tn
n]lvP adf]lhdsf] k|1fkgkq eg]{ kmd{ æsÆ / ævÆ sf] gd"gf ;j{;fwf/0fsf] hfgsf/Lsf] nflu k|sflzt
ul/Psf] 5 M–
241
a}+s kmd{ v=
o; kmd{nfO{ kf;{ndf 6fF:g' x'Fb}g .
klxnf] k|lt M– ;fdfg lgof{t ug{'cl3
kf]i6 clkm;åf/f k|dfl0ft u/fO{ g]kfn
/fi6« a}+sdf a'emfpg' kg]{ .
k|1fkg–kq
g]kfn /fi6« a}+s
ljb]zL ljlgdo lgoGq0f
l;l/on gDa/ ==== ===== ==== ====================kf;{n /l;b gDa/ ==== ===== ==== ====
kf]i6 clkm;sf] gfd / 7]ufgf ==== ===== ==== ====
g]kfnaf6 ef/t afx]s cGo d'n'sx?df kf]i6 clkm;4f/f ;fdfg lgof{t ubf{ ;fdfg lgof{t ug]{ JolQmn] lbg'
kg]{ ;"rgf .
!= ;fdfg lgof{t ug]{ JolQm jf ;+:yfsf] gfd / 7]ufgf M==== ===== ==== ====
@= ;fdfg k|fKt ug]{sf] gfd / 7]ufgf M ==== ===== ==== ====
#= ;fdfgsf] 5f]6s/L ljj/0f tyf kl/df0f ==== ===== ==== ====
$= ;fdfgsf] OGEjfO{; -Invoice_ adf]lhdsf] d"No -ljb]zL d'b|fdf_ ==== ===== ==== ====
d xfdL of] 1fkg ub{5'÷5f}+ M–
-s_ d}n]÷xfdLn] o;df pNn]v u/] adf]lhdsf] ;fdfg ljqmL u/]sf], lgof{t ug{ nfu]sf] x'F÷xf}+,
-v_ dfly g+= $ df plNnlvt d"No cfoftstf{ -ODkf]6{/_ ;+u ePsf] ;Demf}tf adf]lhdsf] ;fFrf]
tyf k"/f lgof{t d"No xf],
-u_ pQm d"No adf]lhdsf] ljb]zL d'b|f tf]lsPsf] ;doleq g]kfn /fi6« a}+s jf Ohfhtkq k|fKt
JolQm jf ;+:yfnfO{ a'emfpg]5' .
==== ===== ==== ==== ;xL M– ==== ===== ==== ====
==== ===== ==== ==== lgof{t nfO;]G; gDa/ M– ==== ===== ==== ====
-e'QmfgL k|fKt ug]{ a}+ssf] gfd / 7]ufgf_ ==== ===== ==== ====
ldlt ==== ===== ==== ====
7]ufgf M ==== ===== ==== ====
ldlt M–
of] k||dfl0ft ul/G5 ls dfyL pNn]v eP jdf]lhdsf] ;fdfg lgsf;L ePsf] l7s ;fFrf] xf] .
===========================
ldlt M kf]i6 clkm;sf] 5fk / b:tvt
gf]6 M
-!_ ;fdfgsf] lgof{t ;DaGwL ;a} 8s'd]06x? Ohfhtkq k|fKt JolQm dfkm{t ;fdfg lgof{t u/]sf]
@! lbgleq k7fpg'kb{5 .
-@_ o; kmd{sf] ;a} ljj/0fx? z'4;+u n]Vg'kb{5 .
242
a}+s kmd{ v=
o; kmd{nfO{ kf;{ndf 6fF:g' x'Fb}g .
bf]>f] k|lt M– kf]i6 clkm;sf] /]s8{df /xg] .
k|1fkg–kq
g]kfn /fi6« a}+s
ljb]zL ljlgdo lgoGq0f
l;l/on gDa/ ==== ===== ==== ==== ============kf;{n /l;b gDa/ ==== ===== ==== ====
kf]i6 clkm;sf] gfd / 7]ufgf ==== ===== ==== ====
g]kfnaf6 ef/t afx]s cGo d'n'sx?df kf]i6 clkm;4f/f ;fdfg
lgof{t ubf{ ;fdfg lgof{t ug]{ JolQmn] lbg' kg]{ ;"rgf
!= ;fdfg lgof{t ug]{ JolQm jf ;+:yfsf] gfd / 7]ufgf M==== ===== ==== ====
@= ;fdfg k|fKt ug]{sf] gfd / 7]ufgf M ==== ===== ==== ====
#= ;fdfgsf] 5f]6s/L ljj/0f tyf kl/df0f ==== ===== ==== ====
$= ;fdfgsf] OGEjfO{; -Invoice_ adf]lhdsf] d"No -ljb]zL d'b|fdf_ ==== ===== ==== ====
d xfdL of] 1fkg ub{5'÷5f}+ ls M–
-s_ d}n]÷xfdLn] o;df pNn]v u/] adf]lhdsf] ;fdfg ljqmL u/]sf], lgof{t ug{ nfu]sf] x'F÷xf}+,
-v_ dfly g+= $ df plNnlvt d"No cfoftstf{ -ODkf]6{/_ ;+u ePsf] ;Demf}tf adf]lhdsf] ;fFrf]
tyf k"/f lgof{t d"No xf],
-u_ pQm d"No adf]lhdsf] ljb]zL d'b|f tf]lsPsf] ;doleq g]kfn /fi6« a}+s jf Ohfhtkq k|fKt
JolQm jf ;+:yfnfO{ a'emfpg]5' .
==== ===== ==== ==== ;xL M– ==== ===== ==== ====
==== ===== ==== ==== lgof{t nfO;]G; gDa/ M– ==== ===== ==== ====
-e'QmfgL k|fKt ug]{ a}+ssf] gfd / 7]ufgf_ ==== ===== ==== ====
ldlt ==== ===== ==== ====
7]ufgf M ==== ===== ==== ====
ldlt M–
of] k||dfl0ft ul/G5 ls dfyL pNn]v eP jdf]lhdsf] ;fdfg lgsf;L ePsf] l7s ;fFrf] xf] .
===========================
ldlt M kf]i6 clkm;sf] 5fk / b:tvt
gf]6 M
-!_ ;fdfgsf] lgof{t ;DaGwL ;a} 8s'd]06x? Ohfhtkq k|fKt JolQm dfkm{t ;fdfg lgof{t u/]sf]
@! lbgleq k7fpg'kb{5 .
-@_ o; kmd{sf] ;a} ljj/0fx? z'4;+u n]Vg'kb{5 .
243
a}+s kmd{ v=
o; kmd{nfO{ kf;{ndf 6fF:g' x'Fb}g .
t];|f] k|lt M– ;fdfgsf] d"No k|fKt u/L g]kfn a}+s
lnld6]8n] g]kfn /fi6« a}+sdf a'emfpg'kg]{ .
k|1fkg–kq
g]kfn /fi6« a}+s
ljb]zL ljlgdo lgoGq0f
l;l/on gDa/ ==== ===== ==== ==== kf;{n /l;b gDa/ ==== ===== ==== ====
kf]i6 clkm;sf] gfd / 7]ufgf ==== ===== ==== ====
g]kfnaf6 ef/t afx]s cGo d'n'sx?df kf]i6 clkm;4f/f ;fdfg
lgof{t ubf{ ;fdfg lgof{t ug]{ JolQmn] lbg' kg]{ ;"rgf
!= ;fdfg lgof{t ug]{ JolQm jf ;+:yfsf] gfd / 7]ufgf M==== ===== ==== ====
@= ;fdfg k|fKt ug]{sf] gfd / 7]ufgf M ==== ===== ==== ====
#= ;fdfgsf] 5f]6s/L ljj/0f tyf kl/df0f ==== ===== ==== ====
$= ;fdfgsf] OGEjfO{; -Invoice_ adf]lhdsf] d"No -ljb]zL d'b|fdf_ ==== ===== ==== ====
d xfdL of] 1fkg ub{5'÷5f}+ ls M–
-s_ d}n]÷xfdLn] o;df pNn]v u/] adf]lhdsf] ;fdfg ljqmL u/]sf], lgof{t ug{ nfu]sf] x'F÷xf}+,
-v_ dfly g+= $ df plNnlvt d"No cfoftstf{ -ODkf]6{/_ ;+u ePsf] ;Demf}tf adf]lhdsf] ;fFrf]
tyf k"/f lgof{t d"No xf],
-u_ pQm d"No adf]lhdsf] ljb]zL d'b|f tf]lsPsf] ;doleq g]kfn /fi6« a}+s jf Ohfhtkq k|fKt
JolQm jf ;+:yfnfO{ a'emfpg]5' .
==== ===== ==== ==== ;xL M– ==== ===== ==== ====
==== ===== ==== ==== lgof{t nfO;]G; gDa/ M– ==== ===== ==== ====
-e'QmfgL k|fKt ug]{ a}+ssf] gfd / 7]ufgf_ ==== ===== ==== ====
ldlt ==== ===== ==== ====
7]ufgf M ==== ===== ==== ====
ldlt M–
e'QmfgL k|fKt ug]{ a}+sn] k|dfl0ft ug'{kg]{
xfdL of] k|dfl0ft ub{5f}+ ls o; kmd{df plNnlvt ;fdfgsf] lgof{t ;DaGwdf ljb]zL d'b|f======== =====
==== ==== ==== ====ldlt M ==== ==== ==== === df b]zaf6 k|fKt u¥of}+{ .
jf
xfdL of] k|dfl0ft ub{5f}+ ls o; kmd{df plNnlvt ;fdfgx? g]kfndf lkmtf{ k|fKt ePsf] jf/]sf]
cfjZos sfuhkqx? xfdLn] x]/]sf 5f}+ .
7]ufgf M ==== ==== ==== ==== ==== ===========;xL M– ==== ===== ==== ====
ldlt M==== ===== ==== ====
gf]6 M–
-!_ ;fdfgsf] lgolt ;DaGwL ;j} 8s'd]G6x? Ohfhtkq k|fKt JolQm dfk{mt ;fdfg
lgof{t u/]sf] @! lbgleq k7fpg' kb{5 .
-@_ o; kmd{sf] ;j} ljj/0fx? z'4;+u n]Vg'kb{5 .
nIdLgfy uf}td
ueg{/
244
:ki6Ls/0f
g]kfn /fi6« a}+ssf] k|1fkgkq ;DaGwL ;"rgf ldlt @)@).!@.@$ v08 !# ;+Vof %! sf] g]kfn uh]6
efu # df k|sflzt x'Fbf k|1fkgkq s= / v= b'j} k|sflzt x'g'kg]{df s= dfq / kl5 @)@!.!.!% v08 !$
;+Vof # df klg v= sf] t];|f] k|lt dfq k|sflzt ePsf] x'Fbf pQm b'j} k|1fkgkqx? ;+sng u/L Ps} k6s
k|sflzt ul/Psf] 5 .
k|=lj=
245
-^_ g]kfn /fi6« a}+snfO{ ljb]zL d'b|f ;dk{0f u/]df kfpg] ;'ljwf ;DaGwL ;"rgf
g]kfn /fhkq
>L % sf] ;/sf/åf/f k|sflzt
v08 -$!_ sf7df8f}+, d+;L/ !^ ut] @)$* ;fn -;+Vof ##_
efu #
>L % sf] ;/sf/
cy{ dGqfnosf]
;"rgf !
>L % sf] ;/sf/n] ljb]zL ljlgdo -lgoldt ug]{_ lgodx?, @)@) sf] bkmf @ sf]
pkbkmf ! -5_ sf] k|of]hgsf] nflu jfl0fHo a}+sx?df kl/jTo{ ljb]zL d'b|fdf vftf vf]Ng
u|fXo vftfjfnfn] kl/jTo{ ljb]zL d'b|fsf] lgIf]kaf6 s'n hDdf /sd k|rlnt ljlgdo b/df
g]kfn /fi6« a}+snfO{ ;dk{0f u/]df ;dk{0f u/]sf] k"/} /sdsf] kl/jTo{ ljb]zL d'b|f lzIff,
:jf:Yo, ljb]z e|d0f tyf dfn;fdfg cfoft ug{ rfx]df pknJw u/fOg] ePsf]n] of] ;"rgf
k|sflzt ul/Psf] 5 .
v08 @% ;+Vof !& ldlt @)$@÷$÷@! sf] g]kfn /fhkq efu # df k|sflzt o;
dGqfnosf] ;"rgf ! vf/]h ul/Psf] 5 .
cflwsfl/stf d'b|0f ljefuaf6 k|dfl0ft ul/Pkl5 dfq nfu' x'g]5 .
246
-&_ kl/jTo{ ljb]zL d'b|fsf] ljj/0f k]z ug]{ ;DaGwL ;"rgf
v08 $! ;+Vof ## g]kfn /fhkq efu # ldlt @)$*.*.!^
;"rgf @
>L % sf] ;/sf/n] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !! sf] pkbkmf -!_ n] lbPsf]
clwsf/ k|of]u u/L g]kfndf a;f]af; ug]{ JolQmx?n] cfk"m;+u ePsf] ef/tLo ?k}ofF afx]s cGo k|sf/sf]
ljb]zL ljlgdosf] ljj/0f b]xfosf] 9fFrfdf of] ;"rgf k|sflzt ePsf] ldltn] $ dlxgfleq of] Ps k6ssf]
nflu cfh{gsf] ;|f]t pNn]v gu/L, g]kfn /fi6« a}+s, s]Gb|Lo sfof{no, ljb]zL ljlgdo ljefudf lbg cfb]z
hf/L u/]sf] 5 .
o;/L lbPsf] ljj/0f uf]Ko /xg] 5 / g]kfnl:yt jfl0fHo a}+sx?df ljb]zL ljlgdosf] vftf vf]Ng
u|fXo x'g]5g\ .
ljj/0f
!= ljb]zL ljlgdo wgLsf] k"/f gfd M–
@= ljb]zL ljlgdo wgLsf] k"/f 7]ufgf M–
#= ljb]zL ljlgdo df}Hbft M–
$= ljb]zL ljlgdo s'g ?kdf /flvPsf] M–
%= ljb]zL ljlgdo a}+s df}Hbftsf] ?kdf /flvPsf] eP lx;fj /fVg] a}+ssf] gfd / 7]ufgf M–
^= ljb]zL ljlgdo ljb]zL ;]So'l/6Lsf] ?kdf /flvPsf] eP b]xfo adf]lhdsf] ljj/0f lbg'k5{ M–
-s_ wgLsf] k"/f gfd / 7]ufgf M–
-v_ ;]So'l/6Lsf] k"0f{ ljj/0f / lsl;d M–
-u_ ;]So'l/6Lsf] s"n /sd M–
-3_ ;]So'l/6L d'Qm 5 jf k|ltjlGwt < k|ltjlGwt eP k|ltjGwsf] k"0f{ ljj/0f lbg' k5{ / ;f]
;]So'l/6Lsf] lwtf]df s'g} C0f lnPsf] / s'g JolQm jf ;+:yfaf6 lnOPsf] xf] gfd / 7]ufgf ;lxt ljj/0f
vf]Ng' k5{ .
cf1fn],
zlzgf/fo0f zfx
>L % sf] ;/sf/sf] ;lrj
247
-*_ lab]zL ljlgdodf C0f lng]÷lbg] ;DaGwL Joa:yf .
g]kfn /fi6« a}+s
lab]zL ljlgdo Joa:yfkg ljefu
ldlt @)%( kmfNu'0f * ut]
ljifo M lab]zL ljlgdodf C0f lng] . lbg] ;DaGwL Joa:yf .
lab]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf !) v sf] k|of]hgsf] nflu
lab]zL ljlgdodf C0f lng] . lbg] ;DaGwdf lgDg adf]lhdsf] gLltut Joa:yf ul/Psf] 5 .
g]kfnleqaf6 g} kl/jTo{ ljb]zL ljlgdodf lng] . lbg] C0f ;DaGwL Joa:yf16
jfl0fHo a}+ssx?n] g]kfnL lgsfox?nfO{ kl/jTo{ ljb]zL d'b|fdf lbg] C0f ;DaGwL Joa:yfsf] xsdf
lgDgfg';f/sf] Joa:yf ul/Psf] 5 .
! lgof{t If]qdf nfu]sf cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx?sf] xsdf
lgof{t If]qdf nfu]sf cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx?nfO{ sRrf kbfy{ cfoft ug{ lgDg zt{x?sf]
cwLgdf /xL jfl0fHo a}+sx?n] kl/jTo{ ljb]zL d'b|fdf cNksfnLg C0f k|bfg ug{ ;lsg]5 M
zt{x? M
-s_ o:tf] C0f k|bfg ubf{ ;DalGwt lgof{t pBf]unfO{ cfjZos x'g] sRrf kbfy{sf] cfoftsf nflu
vf]lnPsf] k|tLt–kqsf] cfwf/df dfq k|bfg ug'{kg]{,
-v_ o:tf] C0f k|bfg ubf{ lgof{t eO{ e'QmfgL cfpg jf+sL /x]sf] lgof{t k|tLt–kqn] vfDg] /sd;Dd
dfq k|bfg ug'{kg]{,
-u_ o;/L k|fKt C0fsf] ;f+jf, Jofh e'QmfgL ;DalGwt pBf]un] cfkm\gf] lgof{t cfh{gaf6 kl/jTo{
ljb]zL d'b|fdfg} ug'{kg]{, /
-3_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt jfl0fHo a}+s cfkm}n] tf]Sg ;Sg] .
@= ljB't zlQm pTkfbg u/L ljqmL ljt/0f ug]{ lghL If]qsf pB]usf] xsdf
= !)) ls=jf= b]lv !))) ls=jf= ;Dd ljB't zlQm pTkfbg u/L ljqmL ljt/0f ug]{ lghL If]qsf pBf]u
tyf cfkm\g} k|of]hgsf nflu ljB't pTkfbg u/L vkt ug]{ pBf]ux?nfO{ lgDg zt{x?sf] cwLgdf /xL
jfl0fHo a}+sx?n] kl/jTo{ ljb]zL d'b|fdf cNk jf dWodsfnLg C0f k|bfg ug{ ;lsg]5 M
zt{x? M
-s_ ;fgf] :s]ndf ljB't pTkfbg u/L ljqmL ljt/0f ug{ jf s'g} pBf]un] cfkm\g} k|of]hgsf nflu
ljB't pTkfbg ug{sf lgldQ kl/jTo{ ljb]zL d'b|fdf nufgL ug'{kg]{ ePdf dfq o:tf] C0f k|bfg
ug{ ;lsg],
-v_ o;/L k|bfg ul/g] C0f ljB't pTkfbg ;DaGwL pks/0fx?sf] cfoft e'QmfgL ug]{ k|of]hgsf nflu
dfq pkof]u ug'{kg]{,
-u_ o:tf] C0f ;'ljwf pknJw u/fp+bf ljB't pTkfbgsf pks/0fx? cfoft ug{ vf]lnPsf k|tLt–
kqsf] cfwf/df dfq ug'{kg]{,
-3_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt jfl0fHo a}+sn] cfkm} tf]Sg ;Sg], /
-ª_ cfkm\gf] pBf]usf] cfjZostf jfx]s ljB't pTkfbg u/L ljqmL ljt/0f ug]{ ;fgf :s]nsf
pBf]ux?sf] xsdf eg] o; k|sf/sf] C0f ;'ljwf k|bfg ubf{ o; a}+ssf] k"j{ :jLs[lt lng'kg]{5 .
16 O=k|f=kl/kq ;+Vof !( df ;dfj]z eO;s]sf]
248
#= ko{6g / lgof{t pBf]ux?sf] xsdf
kl/jTo{ ljb]zL d'b|f cfh{g ug]{ ko{6g / lgof{t pBf]ux?nfO{ b]xfosf k|of]hgsf nflu b]xfosf
zt{x?sf] clwgdf /xL jfl0fHo a}+sn] kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug{ ;lsg]5 .
zt{x? M
-s_ of] ;'ljwf ;DalGwt ko{6g / lgof{t pBf]ux?sf] nflu cfjZos x'g] cfoftsf] e'QmfgLsf] nflu
dfq k|of]u ug{ kfOg] .
-v_ o:tf] C0f /sdsf] ;f+jf÷Jofh ;DalGwt pBf]un] cfk"m;+u /x]sf] kl/jTo{ ljb]zL d'b|f dWo]af6
e'QmfgL ug'{kg]{ .
-u_ o; k|of]hgsf] nflu jfl0fHo a}+sx?n] ljb]zL a}+saf6 s'g} lsl;dsf] C0f ;'ljwf lng kfpg] 5}g .
t/ o; k|of]hgsf nflu jfl0fHo a}+sx?nfO{ ljb]zL d'b|f cfjZos k/]sf] v08df o; a}+sn]
k|rlnt ljlgdo b/df cfjZos ljb]zL d'b|f ljqmL ug]{5 .
$= un}+rf pBf]un] vkt ug]{ pg cfoft ug]{ k|of]hgsf] xsdf
un}+rf pBf]un] vkt ug]{ pg dfq cfoft ug]{ p2]Zon] vf]lnPsf sDkgLx?n] æun}+rf tyf pmg ljsf;
kl/ifb\Æ sf] l;kmf/L;df k|tLt–kqdfkm{t sRrf pg cfoft ubf{ jfl0fHo a}+sx?n] b]xfodf pNn]lvt
zt{x?sf] cwLgdf /xL kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug{ ;Sg]5 .
zt{x?
-s_ of] ;'ljwf clwstd ^ dlxgfsf] nflu dfq x'g]5 .
-v_ C0fsf] Jofhb/ ;DalGwt jfl0fHo a}+s cfkm}n] lgwf{/0f ug'{kg]{5 .
-u_ of] ;'ljwf cGtu{t lnPsf C[0fsf] lx;fj lstfj ljb]zL d'b|fdfg} /fVg'kg]{5 .
-3_ C0fsf] ;f+jf÷Jofh r'Qmf ubf{ k|rlnt ljlgdo b/ cg';f/ g]kfnL ?k}of+df e'QmfgL ug'{kg]{5 .
%= lgof{tstf{x?nfO{ ljb]zL ljlgdodf C0f pknJw u/fpg] af/] .
lgDg Joa:yfx? cGtu{t lgof{tstf{x?nfO{ lk|–lzkd]G6 tyf kf]i6lzkd]G6 shf{ :j?k kl/jTo{ ljb]zL
d'b|fdf C0f pknAw u/fpg ;lsg]5 .
!= kl/jlt{t ljb]zL d'b|f cfh{g x'g] u/L lgof{t sf/f]jf/ ug]{ lgof{tstf{x?af6 cd]l/sL 8n/df lk|–
lzkd]G6 tyf kf]i6lzkd]G6 shf{ dfu u/]df k|rlnt Joj:yf cGtu{t /xL To:tf] shf{ pknJw
u/fpg' kg]{5 / To:tf] shf{df nfUg] Jofhb/ ;do ;dodf g]kfn /fi6« a}+sn] tf]s] adf]lhd x'g]5
/ ;f]sf]] ;f+jf÷Jofh kl/jTo{ ljb]zL d'b|fdf g} c;'n pk/ ug'{ kg]{5 .
@= To:tf] shf{ k|bfg u/]afkt ;DalGwt jfl0fHo a}+sx?n] dfu u/]df g]kfn /fi6« a}+sn] ;do
;dodf tf]s]sf] Jofhb/df cd]l/sL 8n/df g} o; a}+sn] k'g/shf{ pknAw u/fpg] 5 .
#= jfl0fHo a}+sx?n] o;/L k'g/shf{ dfu ubf{ tf]lsP adf]lhdsf] 9f+rf cg';f/sf] kmd{ clgjfo{ ?kn]
eg'{kg]{5 .
$= o:tf] k'g/shf{ o'=P;=8n/ !,)),))) -Psnfv_ sf] dlN6kndf dfq pknJw u/fOg]5 .
%= o:tf] k'g/shf{sf] ;f+jf Jofh cd]l/sL 8n/df g} tf]lsPsf] cjlwleq} e'QmfgL ug'{kg]{5 .
^= kl/jTo{ ljb]zL d'b|fdf lk|–lzkd]G6 shf{ lnPsf] u|fxsn] s'g} sf/0fjz ;fdfg lgof{t ug{ g;s]sf]
sf/0f pk/f]Qm shf{ ljb]zL d'b|fdf g} r'Qmf ug{ g;s]sf] v08df g]kfnL ?k}+of+df g} cfjZos
lx;fj ldnfg ug{ ;lsg]5 . t/ To;/L lx;fj ldnfg ubf{ lx;fj ldnfg x'g] lbgsf] ljlgdo b/
nfu" ug'{kg]{5 / ;fy} Jofhb/sf] xsdf g]kfnL ?k}+of+sf] shf{df lng] clwstd Jofh b/ shf{
lnPsf] ldlt b]lvg} lng ;lsg]5 .
249
&= o:t}u/L kf]i6lzkd]G6 shf{sf] xsdf klg Opening bank n] l8:qmLk]G;L b]vfO{ lgof{t e'QmfgL
k"0f{?kdf k|fKt x'g g;s]sf] v08df e'QmfgL Nofpg g;s]sf] /sdsf] xsdf dfly bkmf–^ df
pNn]v ul/P cg';f/ ug'{kg]{5 . ;fy} o:tf] ljb]zL d'b|f k|fKt geP;Dd jf g]kfn /fi6« a}+sn] o;
jf/] :jLs[lt glbP;Dd o;/L lx;fj ldnfg ul/Psf s]zx?sf] clen]v clgjfo{?kn] sn]Szgdf
k7fOPsf 8s'd]G6 ;DaGwL pko'Qm n]vf zLif{scGtu{t /fVg'kg]{5 .
*= sf/0fjz lgof{t x'g g;sL lgof{t shf{ lng] lgof{tstf{n] pQm shf{ kl/jTo{ ljb]zL d'b|fdf
e'QmfgL ug{ g;Sg] l:ylt cfOk/]df To:tf lgof{tstf{sf] ljb]zL d'b|f vftf /x]sf] eP To:tf]
ljb]zL d'b|f vftfdf /x]sf] df}Hbftaf6 lx;fj ldnfg ug{ ;lsg]5 . t/ o;sf] nflu lgof{t
gePsf] Joxf]/f ;DalGwt jfl0fHo a}+sn] olsg ug'{kg]{5 .
(= cd]l/sL 8n/df kf]i6lzkd]G6 shf{ lb+bf lgof{t 8s'd]G6 lguf]l;o6 ubf{s} cj:yfdf lgof{tstf{sf]
cd]l/sL 8n/ vftfdf hDdf ug{ ldNg]5 . t/ sy+sbflrt\ lguf]l;o6 ul/Psf pk/f]Qm
8s'd]G6x?sf] k"0f{ e'QmfgL k|fKt gePsf] cj:yfdf o;nfO{ k|rlnt Joj:yf cg';f/ g]kfn /fi6«
a}+snfO{ clgjfo{ ?kn hfgsf/L] lbg'kg]{5 .
!)= lk|–lzkd]G6 shf{ lb+bf lgof{tstf{sf] gfp+df k|tLt–kq k|fKt eO ;s]sf] x'g'kg]{5 .
!!= lk|–lzkd]G6 shf{ ;'ljwf cGtu{t lnPsf] C0f lgof{t 8s'd]G6 lguf]l;o6 u/]s} cj:yfdf r'Qmf
ug{ nufpg] jf ;f]sf] e'QmfgL k|fKt ePkl5 dfq r'Qmf ug{ nufpg] eGg] jf/] ;DalGwt jfl0fHo
a}+sx? cfkm}n] Joj:yf ug{ ;Sg]5g\ .
!@= lk|–lzkd]G6 tyf kf]i6lzkd]G6 shf{ ;'ljwf cGt/ut k|rlnt Joj:yf cg';f/ ;DalGwt jfl0fHo
a}+sn] o; a}+saf6 lnPsf] k'g/shf{ clgjfo{ ?kn] ljb]zL d'b|fdf g} -;f+jf tyf Jofh b'j}_ r'Qmf
ug'{kg]{5 .
!#= lk|–lzkd]G6 tyf kf]i6lzkd]G6 shf{ :j?k ljb]zL d'b|fdf g} C0f pknJw x'g] Joj:yf Deemed
Export sf] xsdf klg nfu" x'g]5 .
dfly pNn]v ul/Psf sf/f]jf/x?sf] xsdf afx]s g]kfn leq kl/jTo{ lab]zL d'b|fdf ul/g] cGo
sf/f]jf/x?sf] xsdf g]kfn /fi6« a}+ssf] :jLs[lt lng' kg]{5 .
g]kfn aflx/af6 lab]zL ljlgdodf lng] . lbg] C0f ;DaGwL Joa:yf
-s_17
k|rlnt sfg"gn] 5'6 kfPsf afx]s cGo g]kfnL lgsfox?n] g]kfnaflx/ kl/jTo{ tyf ckl/jTo{
ljb]zL d'b|fdf C0f lng' . lbg' k/]df g]kfn /fi6« a}+ssf] :jLs[lt lng' clgjfo{ x'g]5 . o;/L :jLs[ltsf]
nflu g]kfn /fi6« a}+sdf cfj]bg lbbf lgDg Joxf]/fx? v'nfpg' kg]{5
!= lgj]bssf] gfd, 7]ufgf
@= lgj]bs kmd{ . sDkgLn] ug]{ sfdsf] :j?k
#= C0f lng' kgf{sf] sf/0f
$= C0f pkof]u ug]{ If]q
%= ljb]zaf6} C0f lng' kgf{sf] sf/0f
^= C0fsf] ;fjf+ Jofh r'Stf ug]{ cfwf/ (Strategy)
&= ljlgdo hf]lvdsf] ;+efjgf / To;nfO{ Jojl:yt ug]{ cfwf/
o;/L k|fKt x'g cfpg] lgj]bgx? pk/ g]kfn /fi6« a}+sn] cfjZos cWoog u/L :jLs[lt lbg pko'Qm
b]lvPdf :jLs[lt lbg]5 / o;/L :jLs[lt lb+bf a+}+sn] cfjZos b]lvPsf ;t{x? tf]Sg ;Sg]5 . To;/L
tf]lsPsf ;t{x? kfngf ug'{ lgj]bs kmd{ . sDkgLx?sf] st{Jo x'g]5 .
-v_ ckl/jTo{ ljb]zL d'b|fdf g]kfnleq s;}n] klg C0f lng . lbg kfOg] 5}g .
17 ldlt @)^*.!@.@! df kl/dfh{g ;lxt hf/L ul/Psf]
250
-(_ ljb]zL nufgL jfktsf] ljb]zL d'b|f leq\ofpg], n]vf+sg u/fpg] / nfef+z n}hfg lbOPsf] :yfoL
;6xL cg'dltkq af/]sf] ;"rgf
g]kfn /fi6« a}+s
ljb]zL ljlgdo Joj:yfkg ljefu
ljb]zL nufgL jfktsf] ljb]zL d'b|f leq\ofpg], n]vf+sg u/fpg]
/ nfef+z n}hfg lbOPsf] :yfoL ;6xL cg'dltkq af/]sf] ;"rgf
-k|yd k6s k|sflzt ldlt @)&#.!@.#!_ uf]/vfkq
k|rlnt sfg'g adf]lhd ;DalGwt lgsfoaf6 :jLs[lt lnO{ ljb]zL nufgLdf :yfkgf x'g] kmd{÷sDkgL÷pBf]un] ljb]zL
nufgLstf{n] z]o/df ug]{ nufgL jfktsf] ljb]zL d'b|f leq\ofpg], n]vf+sg u/fpg], nfef+z n}hfg] tyf ljb]zL nufgL lkmtf{
n}hfg] ;DaGwdf o; a}+sn] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !)s, !)v / !)u df ePsf] Joj:yf
adf]lhd lj=;+=@)%(, lj=;+=@)^* lj=;+=@)^( / lj=;+=@)&! ;fndf ;"rgf hf/L ul/;s]sf] Joxf]/f ljlbt} 5 . tyflk,
obfsbf s]xL kmd{ sDkgL pBf]un] ;DalGwt ;/sf/L lgsfoaf6 :jLs[lt lnO{ t/ o; a}+ssf] k"j{ :jLs[lt glnO{ ljb]zL
nufgL jfktsf] ljb]zL d'b|f leq\ofpg] u/]sf] / s]xL kmd{ sDkgL pBf]un] o; a}+saf6 :jLs[lt lnO{ ljb]zL nufgL leq\ofO{
;s]sf] t/ xfn;Dd klg o; a}+sdf n]vfÍg u/fPsf] gkfOPsf]n] To:tf ;DalGwt kmd{, sDkgL pBf]unfO{ tf]lsPsf] k|s[of
k'/f u/L ljb]zL nufgL leq\ofpg' k"j{ o; a}+ssf] :jLs[lt lng / pk/f]Qmfg';f/ leq\ofO{;s]sf] ljb]zL nufgLsf] xsdf
b]xfo adf]lhdsf] sfuhft tyf k|s[of k'/f u/L clgjfo{?kdf n]vfÍg u/fpgsf] nflu cfufdL @)&$ c;f/ d;fGt;Dddf
o; a}+s ;dIf lgj]bg k]z ug{'x'g of] ;fj{hlgs ;"rgf k'gM k|sflzt ul/Psf] 5 . ;f] cjlwleq cfjZos sfuhft ;lxt
lgj]bg lbO{ n]vfÍg gu/fpg] kmd{÷sDkgL÷pBf]unfO{ nfef+z jf nufgL lkmtf{ ug{sf nflu ljb]zL d'b|fsf] ;6xL ;'ljwf
pknAw u/fpg o; a}+s afWo gx'g] Joxf]/f ;d]t hfgsf/L u/fOG5 .
n]vfÍg u/fpFbf k'/f ug{'kg]{ k|s[of tyf sfuhft M
-s_ ljb]zL nufgLstf{n] g]kfndf lab]zL nufgLsf] ?kdf nufgL ug{ k|rlnt sfg'g jdf]lhd ;DalGwt
lgsfoaf6 k|fKt :jLs[lt kq
-v_ nufgL n]vfÍg u/fpg] ;DaGwdf ;+:yfsf] lg0f{o
-u_ o; a}+saf6 ljb]zL d'b|f leq\ofpg k|fKt :jLs[lt -:jLs[lt lnPsf] ePdf_
-3_ ljb]zL nufgL g]kfn lelqPsf] ;DaGwdf ;DalGwt a}+saf6 hf/L ePsf] nufgLsf] k|df0fkq jf k|df0f
-ª_ nufgL leq\ofpg] kmd{÷sDkgL÷;+:yf shf{ ;"rgf s]Gb|sf] sfnf];"rLdf g/x]sf] k|df0f
-r_ k|aGwkq tyf lgodfjnL, Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, cBfjlws s/ r'Qmf u/]sf] k|df0fkq
-5_ Joj;fo ;~rfng ug{ ;DalGwt lgsfoaf6 Ohfht lng'kg]{ ePdf To:tf] Ohfhtkq
-h_ ljb]zL nufgLstf{ kmd{÷sDkgLsf] btf{{ k|df0fkq / JolQmsf] xsdf /fxbfgL jf To:t} k|s[ltsf klxrfg v'Ng]
sfuhft
-em_ nufgL ug]{ ;DaGwdf ljb]zL nufgLstf{ kmd{, sDkgLsf] lg0f{o
-`_ nufgL leq\ofpg] ;+:yfsf] n]vfk/LIf0f ePsf] cBfjlws ljQLo ljj/0f
-6_ nufgL ug]{ ljb]zL ;+:yfsf] xsdf n]vfk/LIf0f ePsf] ljQLo ljj/0f
-7_ sDkgL /lhi6«f/sf] sfof{noåf/f k|dfl0ft cBfjlws z]o/wgL btf{ lstfa
-8_ o; a}+sn] cfjZos 7fgL dfu u/]sf ;|f]t v'Ng] sfuhft tyf cGo ljj/0f -t/ Psk6s k]z eO{;s]sf
sfuhftx? k'gM k]z ug{'kg]{ 5}g ._
o; a}+saf6 ljb]zL nufgL leq\ofpg :jLs[lt kfPsf kmd{÷sDkgL÷pBf]un] leq\ofPsf] z]o/ tyf C0f nufgLsf]
ljj/0f k|To]s cfly{s jif{ ;dfKt ePsf] ldltn] # dlxgfleq o; ljefudf k]z u/L cBfjlws u/fpg'kg]{5 . Ps
k6s ljj/0f cBfjlws u/fPkl5 pQm ljj/0fdf kl/jt{g geP;Dd ;f]xL ljj/0f k'gM k]z ug{'kg]{ 5}g . t/,
nufgLdf -nufgL /sd, z]o/ :jfldTj, nufgL ;+/rgf cflb_ kl/jt{g ePdf To:tf] ljj/0f ;d]t k]z u/L n]vfÍg
cBfjlws u/fpg kg]{5 .
;fy}, ljb]zL nufgLdf k|fKt nfef+z jf ljb]zL d'b|fsf] C0fsf] ;fFjf jf Jofh e'StfgL ug{ o; cl3 o; a}+sn]
ljleGg kmd{÷sDkgL÷pBf]u / a}+s tyf ljQLo ;+:yf ;d]tnfO{ k|bfg u/]sf] ;Dk"0f{ :yfoL ;6xL cg'dltkq o;}
;"rgfåf/f /2 ul/Psf] 5 / eljiodf o; lsl;dsf /sd e'StfgL ug]{ k|of]hgsf nflu o; a}+saf6 :jLs[lt
lng'kg]{ Joxf]/f ;d]t ;DalGwt ;a}nfO{ hfgsf/L u/fOG5 .
leid/fh 9'+ufgf
sfo{sf/L lgb]{zs
ljb]zL ljlgdo Joj:yfkg ljefu
251
-!)_ Online Reporting Ststem ;DaGwdf .
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
ljb]zL ljlgdo Joj:yfkg ljefusf]
Online Reporting ug]{ ;DaGwL ;""rgf
-k|yd k6s uf]/vfkqdf k|sfzg ldlt M @)&$.@.#_
ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf # adf]lhd o; a}+saf6
Ohfhtkqk|fKt ljk|]if0f sf/f]jf/ ug]{ a}+s tyf ljQLo ;+:yf, /]ld6fG; sDkgL, ;6xL
sf/f]jf/ ug]{ dlgr]~r/, ljb]zL ljlgdosf] sf/f]jf/ ug]{ xf]6n, 6«feN;, 6«]lsË, sfuf]{
nufotsf lgsfox?n] cfkm"n] u/]sf] ljb]zL ljlgdo sf/f]jf/sf] dfl;s ljj/0f tyf
sfuhft o; ljefudf lgoldt ?kdf a'emfpg] Joj:yf /x]sf]df ;f] sfo{nfO{
;/nLs[t / Jojl:yt agfpg] p2[]Zon] oxL @)&$ ;fn a};fvb]lvsf] To:tf] ljj/0f
clgjfo{ ?kdf Online Reporting sf dfWodaf6 dfq k]z ug{' kg]{ Joj:yf
ldnfO{Psf] Joxf]/f cg'/f]w 5 . o; Joj:yfsf] sfof{Gjogsf] nflu ;a}
Ohfhtkqk|fKt ;+:yfsf] cflwsfl/s JolQm klxnf] k6s o; ljefudf cfkm} pkl:yt
eO{ O{=k|f=kl/kq ;+Vof ^^& df ;+nUg eP adf]lhdsf] kmf/fd a'emfO{ cfkm\gf] User
Name / Password k|fKt u/L ;f]xL adf]lhd Online Reporting ug]{ Joj:yf ug{'
u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n]
lbPsf] clwsf/ k|of]u u/L ;DalGwt ;a}sf] hfgsf/Lsf] nflu of] ;"rgf hf/L
ul/Psf] 5 .
leid/fh 9'+ufgf
sfo{sf/L lgb]{zs -leid/fh 9'+ufgf_
ljb]zL ljlgdo Joj:yfkg ljefu
jfn'jf6f/ sf7df08f}
NRB Website k|sfzg ldlt M @)&$.@.!