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gvwbjÛvwis (ML) I mš¿v‡m A_©vqb (TF) eZ©gvb mg‡q GKwU gvivZ¥K êwk¦K mgm¨v| mwVK cwimsL¨vb cvIqv bv †M‡jI mviv c„w_ex‡Z †h cwigvY Avw_©K Kg©KvÊ cwiPvwjZ nq, Zvi GKwU D‡jøL‡hvM¨ AskB A‰ea †jb‡`b ev †ÿÎ we‡k‡l gvwbjÛvwis n‡q _v‡K| AvšÍR©vwZK m¤úª`vq gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a wewfbœfv‡e KvR Ki‡Q| AvšÍR©vwZK ms¯’v wn‡m‡e RvwZmsN me©cÖ_g wewfbœ Kb‡fbkb I †iRy‡jk‡bi gva¨‡g G wel‡q AMÖYx f‚wgKv cvjb K‡i‡Q| Gi avivevwnKZvq AvšÍtivóªxq ms¯’v w` dvBb¨vwÝqvj A¨vKkb Uv¯‹‡dvm© (FATF) gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb`Ê (40+9) mycvwik K‡i‡Q| H gvb`Ê Abyhvqx †`‡ki gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva cwicvjb eë¯’v mgybœZ ivL‡Z Ges GKwU mymsMwVZ cÖwZ‡iva ejq M‡o Zzj‡Z MYcÖRvZš¿x evsjv‡`k miKvi A½xKvive×|

evsjv‡`k miKvi 2002 m‡b gvwbjÛvwis cÖwZ‡iva AvBb Ges 2009 m‡b mš¿vm we‡ivax AvBb Rvix K‡i hv AvšÍR©vwZK Pvwn`vi †cÖwÿ‡Z wewfbœ mgq cwieZ©b/cwiea©b/ms‡hvRb Kiv nq| eZ©gv‡b gvwbjÛvwis cÖwZ‡iva AvBb- 2012 (ms‡kvabx-2015) Ges mš¿vm we‡ivax AvBb-2009 (ms‡kvabx-2013) we`¨gvb Av‡Q|

gvwbjÛvwis I mš¿v‡m A_©vq‡bi Rb¨ Acivaxiv wewfbœ mg‡q wewfbœ †KŠkj MÖnY K‡i _v‡K| Gi g‡a¨ wbgœewY©Z †KŠkj¸‡jv D‡jøL‡hvM¨:

• e¨vsK I Avw_©K cÖwZôvb‡K eënvi (†PK I B‡jKUªwbK wm‡÷g Gm‡ei gva¨‡g), • AvšÍR©vwZK evwY‡R¨ cY¨ I †mevi fzqv WKz‡g‡›Uk‡bi gva¨‡g (†UªW‡eRW gvwbjÛvwis), • d«›U ev †kj †Kv¤úvwbi gva¨‡g, • êafv‡e AwR©Z A‡_©i mv‡_ A‰eafv‡e AwR©Z A_© wgwk‡q (Commingling), • mivmwi bM` A_© ¯’vbvšÍ‡ii gva¨‡g (Cash Courier)|

gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a †`‡ki we`¨gvb AvB‡b evsjv‡`k e¨vsK‡K we‡kl ÿgZv †`qv n‡q‡Q| gvwbjÛvwis cÖwZ‡iva AvBb-2012 †gvZv‡eK evsjv‡`k e¨vs‡Ki Af¨šÍ‡i evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (BFIU) bv‡g GKwU ¯^Zš¿ BDwbU MVb Kiv n‡q‡Q| H BDwbU AvšÍR©vwZK gvb`Ê I we`¨gvb AvB‡bi AvIZvq gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a MvBWjvBÝ/ mvKz©jvi Rvix K‡i| Acivax‡ì Øviv e¨vsK‡K Aceënvi cÖwZ‡iva Kivi Rb¨ BFIU-Gi wb‡`©kbv K‡Vvifv‡e cwicvjb Ki‡Z n‡e| AML/CFT cwicvj‡bi Rb¨ wKQz Kvh©µg wb‡P D‡jøL Kiv n‡jv:

1.0 MÖvnK wbe©vPb bxwZgvjv ev¯Íevqb:Acivaxiv wnmve †Lvjvi gva¨‡g MÖvn‡Ki †e‡k e¨vs‡K cÖ‡ek K‡i _v‡K| cieZ©xKv‡j Zviv e¨vsK‡K eënvi K‡i gvwbjÛvwis I mš¿v‡m A_©vqb msµvšÍ Acivag~jK Kvh©µg cwiPvjbv K‡i _v‡K| mwVK MÖvnK wbe©vP‡bi gva¨‡g G msµvšÍ SuywK cÖkgb Kiv m¤¢e| RbZv e¨vsK wjwg‡UW KZ©„K weGdAvBBD-Gi wb‡`©kbv †gvZv‡eK e¨vs‡Ki cl©‡ì Aby‡gv`bµ‡g MÖvnK wbe©vPb bxwZgvjv cÖYqb Kiv n‡q‡Q| kvLv ch©v‡q wnmve †Lvjv, we`¨gvb MÖvnK I fvmgvb MÖvn‡Ki †ÿ‡Î D³ bxwZgvjvq wb‡Pi wb‡`©kbvmg~n ev¯Íevqb Ki‡Z n‡e:

1.1 wnmve †Lvjvi †ÿ‡Î Awfbœ wnmve †Lvjvi dg© eënvi Kiv;1.2 Awfbœ wnmve †Lvjvi d‡g© KYC h_vh_fv‡e m¤úv`b Kiv;

1.3 wbe©vPb Kwgk‡bi WvUv‡eBR n‡Z NID hvPvB‡qi gva¨‡g MÖvn‡Ki e¨w³MZ cwiwPwZ wbwðZ nIqv;

1.4 wnmv‡ei A‡_©i Drm hvPvB Kiv I GZ`&msµvšÍ `wjjvw` (†hgb- wb‡qvMcÎ, m¨vjvwi mvwU©wd‡KU, AvqKi mb` BZ¨vwì †h †Kvb GKwUi Kwc) msiÿY Kiv;

1.5 wnmv‡ei Beneficial Owner ev cÖK…Z myweav‡fvMx wba©viY I Zvi KYC m¤úv`b Kiv;

1.6 MÖvn‡Ki †ckv ev Av‡qi mv‡_ m½wZc~Y© Transaction Profile (TP) †bqv| wnmve †Lvjvi 6 gvm c‡i MÖvnK KZ©„K m¤úvw`Z †jb‡`‡bi h_v_©Zv wbiƒcY K‡i ms‡kvabx mv‡c‡ÿ TP c~Ytwba©viY Kiv;

1.7 Awfbœ wnmve †Lvjvi d‡g© DwjøwLZ 7wU BwÛ‡KU‡ii wfwË‡Z Transaction Profile-Gi Z_¨ eënvi K‡i wnmv‡ei Risk Grading cÖwµqv m¤úv`b Kiv;

1.8 K‡c©v‡iU wnmv‡ei †ÿ‡Î ¯^vÿiKvixMYmn mKj cwiPvj‡Ki e¨w³MZ Z_¨ msMÖn Kiv;

1.9 wVKvbvi wel‡q wbwðZ nIqvi Rb¨ MÖvn‡Ki bvg I wVKvbv m¤^wjZ mv¤úªwZK BDwUwjwU we‡ji Kwc A_ev Ab¨ †h †Kvb `wjjvw` msiÿY Kiv;

1.10 D”P SuywKm¤úbœ MÖvn‡Ki †ÿ‡Î 1 ermi ci ci Ges wbgœ SuywKm¤úbœ MÖvn‡Ki †ÿ‡Î 5 ermi ci ci KYC nvjbvMv` Kiv;

1.11 wnmve †Lvjvi mgq ¯’vbxq I RvwZms‡Ni wbwl× ZvwjKv hvPvB Kiv (Sanction Screening)| ¯’vbxq I RvwZms‡Ni wbivcËv cwil‡ì ZvwjKvf~³ e¨w³ I cÖwZôv‡bi †Kvb wnmve bv †Lvjv;

1.12 †kj e¨vsK/†Kv¤úvwbi †Kvb wnmve bv †Lvjv;1.13 wnmve †Lvjvi c‡i MÖvn‡Ki wVKvbv µm †PwKs-Gi Rb¨ abëv`cÎ cÖ`vb

Ges MÖvnK KZ©„K cÖvß abëv`cÎ kvLvq Dc¯’vc‡bi c‡i †PK eB cÖ`vb Kiv|

2.0 †jb‡`b gwbUwis

†jb‡`b gwbUwis gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡ai Ab¨Zg Dcvq| MÖvnK KZ©„K †NvwlZ Transaction Profile †gvZv‡eK †jb‡`b n‡”Q wKbv Zv wbqwgZ g¨vbyqvwj I A‡Uv‡g‡UW Dcv‡q gwbUi Ki‡Z n‡e| gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev NvUwZ Av‡Q Ggb †`‡ki mv‡_ †h †Kvb ai‡Yi †jb‡`b AwaKZi mZK©Zvi mv‡_ (Enhanced Due Diligence) gwbUi Ki‡Z n‡e| †jb‡`b gwbUwis-Gi †ÿ‡Î wbgœewY©Z welq¸‡jv AšÍf©~³ _vK‡e:• wi‡cvwU©s mxgvi bx‡P cybtcybt †jb‡`b, • mKj cÖKvi ê‡`wkK gy`ªvq †jb‡`b, • B‡jKUªwbK Dcv‡q msNwUZ mKj †jb‡`b, • D”P SuywKm¤úbœ MÖvn‡Ki †jb‡`b • AvšÍR©vwZK evwYR¨ m¤úwK©Z †jb‡`b, • CTR†hvM¨ †jb‡`b, • ¯’vbxq I RvwZms‡Ni wbwl× ZvwjKvi mv‡_ †jb‡`b hvPvB|

3.0 weiƒc wgwWqv wi‡cvU© gwbUwis

cÖwZw`‡bi cÎ-cwÎKv, wgwWqvq kvLvi MÖvnK m¤ú‡K© †Kv‡bv weiƒc wi‡cvU© cÖKvwkZ n‡j Zv ch©v‡jvPbv Ki‡Z n‡e| G wel‡q MÖvn‡Ki e¨vL¨v hyw³m½Z bv n‡j Zv m‡›`nRbK †jb‡`b wn‡m‡e AbwZwej‡¤^ cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v eivei wi‡cvU© Ki‡Z n‡e|

4.0 evwYR¨wfwËK (Trade Based) gvwbjÛvwis cÖwZ‡iva evwYR¨ eë¯’vi gva¨‡g A‰eafv‡e AwR©Z A‡_©i êaZv †`qv ev Gi Drm †Mvcb Kiv ev Kivi †Póv‡K evwYR¨wfwËK gvwbjÛvwis ejv nq| Af¨šÍixY ev AvšÍR©vwZK evwY‡Rï †ÿ‡Î fyqv WKz‡g›U/Gjwm‡Z cY¨ I †mevi g~j¨, cwigvY I Gi ¸YMZgvb m¤ú‡K© wg_¨v †NvlYvi gva¨‡g evwYR¨wfwËK gvwbjÛvwis n‡q _v‡K| evwYR¨wfwËK gvwbjÛvwis cÖwZ‡iva Kivi j‡ÿ¨ wb¤œewY©Z welq¸‡jv cwicvjb Ki‡Z n‡e:

4.1 G·‡cvU© Gjwmi mZ¨Zv hvPvB (GWfvBwRs e¨vs‡Ki Kg©KZ©vi ¯^vÿi hvPvB Kiv) ;

4.2 Gjwm Bmy¨wqs/†ewbwdwmqvix e¨vs‡Ki †µwWU wi‡cvU© msMÖn, †Kvb †kj e¨vs‡Ki Gjwm MÖnY/cÖ`vb bv Kiv;

4.3 Av‡e`bKvix/†ewbwdwmqvixi †µwWU wi‡cvU© msMÖn, †Kvb †kj †Kv¤úvwbi mv‡_ eëmvwqK m¤úK© ¯’vcb bv Kiv;

4.4 †hme †`k gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev NvUwZ Av‡Q Ggb †`‡ki †Kvb Gjwm MÖnY Kiv ev †Kvb B‡¤úvU© Gjwm †Lvjvi †ÿ‡Î AwaKZi mZK©Zv Aej¤^b Kiv;

4.5 MÖvn‡Ki we`¨gvb eëmvi mv‡_ Am½wZc~Y© †Kvb G·‡cvU© wej cvi‡PR/ B‡¤úvU© Gjwm Bmy¨ bv Kiv;

4.6 mKj WKz‡g›U Gjwmi k‡Z©i mv‡_ hvPvB Kiv;4.7 ÎæwUhy³ wej cvi‡PR bv Kiv, wej Kv‡jKk‡b †cÖi‡Yi †ÿ‡ÎI

h_vh_fv‡e ¯ŒzwUwb Kiv;4.8 IfviwWD wej _vK‡j D³ MÖvn‡Ki wej cvi‡P‡Ri †ÿ‡Î AwaKZi

mZK©Zv Aej¤^b Kiv;4.9 wej Ae Gw›Uª/ wej Ae G·‡cvU© h_vh_fv‡e msMÖn, hvPvB I mswkøó

dvB‡j msiÿY Kiv;4.10 Bbf‡q‡m DwjøwLZ g~j¨ ̄ ’vbxq I AvšÍR©vwZK evRv‡ii mv‡_ m½wZc~Y© wKbv

Zv hvPvB Kiv;4.11 wej Ae †jwWs-G ewY©Z c‡Yï weeiY Ges Bbf‡q‡m weeiY GKB wKbv

Zv hvPvB Kiv;4.12 AbjvB‡b †f‡mj UªvwKs Kiv;4.13 Kv÷gm KZ©„K wej Ae Gw›Uª Ges wej Ae G·‡cvU© Gw›Uª †`qv n‡q‡Q wKbv

Zv AbjvB‡b hvPvB Kiv;4.14 AvÛvi Bbf‡qwms, Ifvi Bbf‡qwms, AvÛvi wkc‡g›U, Ifvi wkc‡g›U I

fzqv WKz‡g›U Dc¯’vc‡bi wel‡q h_vh_ I mZK©Zvg~jK eë¯’v MÖnY Kiv; 4.15 AbjvBb G·‡cvU© gwbUwis wm‡÷g Ges AbjvBb B‡¤úvU© gwbUwis

wm‡÷‡g d‡ib G·‡PÄ m¤úwK©Z mKj Z_¨ h_vh_fv‡e †cvw÷s Kiv Ges cÖavb Kvh©vj‡qi mswkøó wWcvU©‡g›U KZ…©K mwVKfv‡e gwbUi Kiv|

5.0 FYwfwËK (Credit Based) gvwbjÛvwis cÖwZ‡ivaFYwfwËK gvwbjÛvwis cÖwZ‡iv‡ai Rb¨ FY cÖ`v‡bi †ÿ‡Î FYcÖ`vb bxwZgvjv, FY gÄyix wewagvjv AbymiY Kiv I mKj WKz‡g‡›Ui mwVKZv h_vh_fv‡e hvPvB Kiv| WKz‡g›U RvwjqvwZi gva¨‡g we‡`‡k A_© cvPv‡ii cÖgvY cvIqv †M‡j cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K wi‡cvU© Kiv|

6.0 wi‡cvwU©swi‡cvU© GKwU cÖwZôv‡bi gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva cwicvj‡bi wPÎ Zz‡j a‡i| h_vh_fv‡e I wbqwgZ weGdAvBBD‡Z wbgœewY©Z wi‡cvU© †cÖiY Ki‡Z n‡e:

6.1 bM` †jb‡`b wi‡cvU© †Kv‡bv wnmv‡e †Kv‡bv GKwU wbw`©ó w`‡b GK ev GKvwaK Rgv ev D‡Ëvj‡bi (miKvwi wnmv‡ei †ÿ‡Î ïaygvÎ D‡Ëvjb) cwigvY 10 jÿ UvKv ev Z`~aŸ© A‡_©i ev mgg~‡jï ê‡`wkK gy`ªvq (AbjvBb, GwUGgmn †h †Kv‡bv ai‡Yi bM` Rgv ev D‡Ëvjb) n‡j bM` †jb‡`b wi‡cvU© `vwLj Kiv|

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evsjv‡`‡k GLb ch©š— hZ¸‡jv †bvU Ges K‡qb evRv‡i Qvov n‡q‡Q Zvi mswÿß BwZnvm Zy‡j aiv nj:GK UvKv evsjv‡`k ¯^vaxbZv jv‡fi ci wKQy w`b cvwK¯—vbx 1 iƒcx cÖPwjZ wQj| cieZ©xKv‡j 1972 mv‡ji 4Vv gvP© evsjv‡`kx 1 UvKvi †bvU Bmy¨ Kiv nq| 1973 mv‡ji 2 gvP© cÖ_g evsjv‡`‡ki RvZxq cÖZxK m¤^wjZ 1 UvKvi †bvU Bmy¨ Kiv nq| Gici 1973 mv‡ji 18 wW‡m¤î cybivq Av‡iKwU 1 UvKvi †bvU Bmy¨ Kiv nq| c‡i 1979 mv‡ji 3 †m‡Þ¤î i‡qj †e½j UvBMv‡ii RjQvc m¤^wjZ 1 UvKvi †bvU Bmy¨ Kiv nq| Gici Avi †Kvb 1 UvKvi Kv¸‡R †bvU Bmy¨ Kiv nqwb| gv‡S 1975 mv‡j wb‡Kj-Kcvi Øviv ˆZwi 1 UvKvi K‡qb Bmy¨ n‡qwQj| Gici 1993 mv‡ji 9 †g cybivq 1 UvKvi K‡qb Bmy¨ Kiv nq| Aek¨ c‡i Gi AvK…wZ I iO 3 evi cwieZ©b Kiv nq|

`yB UvKv1988 mv‡ji 29 wW‡m¤î wØZxq miKvwi †bvU 2 UvKv Bmy¨ Kiv nq| Gici Avi †Kvb 2 UvKvi Kv¸‡R †bvU Bmy¨ Kiv nqwb| c‡i 2004 mv‡j w÷‡ji ˆZwi 2 UvKvi K‡qb Bmy¨ Kiv nq| eZ©gv‡b Kv¸‡R †bv‡Ui cvkvcvwk 2 UvKvi K‡qbI evRv‡i Pvjy i‡q‡Q|

cvuP UvKv1972 mv‡ji 4 gvP© cÖ_g 5 UvKvi †bvU Bmy¨ Kiv nq| c‡i 1973 mv‡ji 1 †m‡Þ¤î Ges 1974 mv‡j e½eÜy †kL gywRei ingv‡bi Qwe m¤^wjZ Av‡iv `yÕwU †bvU Bmy¨ Kiv nq| 1976 mv‡ji 11 A‡±vei Zviv gmwR‡ì Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| 1978 mv‡ji 2 †g Zviv gmwR‡ì cwie‡Z© Kzmyg

evM gmwR‡ì †gniv‡ei Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| 2006 mv‡ji 8 A‡±vei, 1978 mv‡ji †bvUwU Avevi Bmy¨ Kiv nq| cv_©K¨ n‡jv †bvUwU‡Z 3 wgwg PIov wbivcËv myZv eënvi Kiv nq| gv‡S 1993 mv‡ji 1 A‡±vei 5 UvKvi K‡qb Bmy¨ Kiv nq| eZ©gv‡b 5 UvKvi Kv¸‡R †bv‡Ui cvkvcvwk evRv‡i 5 UvKvi K‡q‡bi cÖPjbI i‡q‡Q|

`k UvKv1972 mv‡ji 4 gvP© cÖ_g 10 UvKvi †bvU Bmy¨ Kiv nq| cieZ©xKv‡j 1972 mv‡ji 2 Ryb Ges 1973 mv‡ji 15 A‡±vei e½eÜy †kL gywRei ingv‡bi Qwe m¤^wjZ Av‡iv `yÕwU †bvU Bmy¨ Kiv nq| 1976 mv‡ji 11 A‡±vei Zviv gmwR‡ì Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| c‡i 1978 mv‡ji 3 AvM÷ Ges 1982 mv‡ji 3 †m‡Þ¤î AvwZqv Rv‡g gmwR‡ì Qwe m¤^wjZ wfbœ `yÕwU †bvU Bmy¨ Kiv nq| 1997 mv‡ji 11 wW‡m¤î jvjevM †Kjøv gmwR‡ì Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| 2000 mv‡ji 14 wW‡m¤î A‡÷«wjqv †_‡K 10 UvKvi cwjgvi †bvU ˆZwi K‡i Avbv nq hv evsjv‡`‡ki Rb¨ eënv‡ii Abyc‡hvMx| eZ©gv‡b H †bv‡Ui cÖPjb †bB ej‡jB P‡j| Gici 2002 mv‡ji 7 Rvbyqvwi 10 UvKvi Av‡iKwU †bvU Bmy¨ Kiv nq| me©‡kl 2006 mv‡ji 21 †m‡Þ¤î wbivcËv Dcv`vb evwo‡q cybivq Av‡Mi †bvUwU Bmy¨ Kiv nq|

wek UvKv1979 mv‡ji 20 AvM÷ me©cÖ_g 20 UvKvi †bvU Bmy¨ Kiv nq| cieZ©xKv‡j njMÖvwdK wbivcËv mshy³ K‡i 2002 mv‡ji 13 RyjvB cybivq Av‡Mi †bvUwU Bmy¨ Kiv nq|

cÂvk UvKv1976 mv‡ji 1 gvP© cÖ_g 50 UvKvi †bvU Bmy¨ Kiv nq| 1979 mv‡ji 4 gvP© Zviv gmwR‡ì cwie‡Z© lvU M¤^yR gmwR‡ì Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| 1987 mv‡ji 24 AvM÷ cÖ_gev‡ii gZ ¯§…wZ‡mŠ‡ai Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| Gici 1999 mv‡ji 22 AvM÷ Ges mvgvb¨ cwieZ©b K‡i 2003 mv‡ji 12 †g GKB iK‡gi †bvU Bmy¨ Kiv nq|

GKk UvKv1972 mv‡ji 4 gvP© cÖ_g 100 UvKvi †bvU Bmy¨ Kiv nq| 1972 mv‡ji 1 †m‡Þ¤î e½eÜy †kL gywRei ingv‡bi Qwe m¤^wjZ Ges 1976 mv‡ji 1 gvP© Zviv gmwR‡ì Qwe m¤^wjZ `yÕwU GKB wWRvB‡bi †bvU Bmy¨ Kiv nq| 1977 mv‡ji 15 wW‡m¤î m¤ú~Y© bZyb wWRvB‡bi 100 UvKvi †bvU Bmy¨ Kiv nq| 2001 mv‡ji 15 gvP© Optical Variable Ink (OVI) eënvi K‡i †bvU Bmy¨ Kiv nq| 2002 mv‡ji 5 Ryb ¯§…wZ‡mŠ‡ai Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| 2005 mv‡ji 28 RyjvB c~‡e©i 100 UvKvi 100 kãwU‡K †mvbvjx i‡O cwieZ©b Kiv nq|

cvuPkZ UvKv1976 mv‡ji 15 wW‡m¤î cÖ_g 500 UvKvi †bvU Bmy¨ Kiv nq| cieZ©x mg‡q wWRvB‡b e¨vcK cwieZ©b G‡b 1998 mv‡ji 2 RyjvB Av‡iKwU †bvU Bmy¨ Kiv nq| 2000 mv‡ji 10 AvM÷ e½eÜy †kL gywRei ingv‡bi Qwe m¤^wjZ †bvU Bmy¨ nq| 2002 mv‡ji 17 RyjvB RvZxq ¯§…wZ‡mŠ‡ai Qwe m¤^wjZ †bvU Bmy¨ Kiv nq| 2004 mv‡ji 24 A‡±vei c~‡e©i †bv‡Ui 500 Gi cwie‡Z© cvuPkZ UvKv k‡ã Optical Variable Ink (OVI) eënvi K‡i †bvU Bmy¨ Kiv nq|

GK nvRvi UvKvGwU evsjv‡`‡ki me‡P‡q eo gv‡bi †bvU| †bvUwU 2008 mv‡ji 27 A‡±vei Bmy¨ Kiv nq| Gi mvg‡bi As‡k knx` wgbvi Ges †cQ‡bi As‡k KvR©b n‡ji Qwe i‡q‡Q| G‡Z †gvU 11wU wbivcËv eë¯’v i‡q‡Q|

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ˆbwZKZvi e¨vswKs

ˆbwZKZvi e¨vswKs nj mvgvwRK, cwi‡ekevÜe I †UKmB e¨vswKs eë¯’v| G‡¶‡Î wbgœwjwLZ g~jbxwZ¸‡jv AbymiY Kiv nq:

K) cvi¯úwiK wek¦vm I cvi¯úwiK ¯^v_©: e¨vsKvi-MÖvnK m¤úK© n‡e e¨vs‡Ki j‡¶ï m‡½ mvgÄm¨c~Y© mvgvwRK I gvbweK g~j¨‡ev‡ai wfwË‡Z cÖwZwôZ cvi¯úwiK wek¦vm I cvi¯úwiK ¯^v_© mswkøó|

L) mr D‡Ïk¨: e¨vsKv‡ii D‡Ï‡kï Dci Zvi Kv‡Ri ¯^”QZv A‡bKvs‡k wbf©ikxj| KviY, D‡Ïk¨ mr bv n‡j wb®‹jyl djvdj Avkv Kiv evZyjZv gvÎ| ZvB GKRb bxwZevb e¨vsKvi Zvi e¨vswKs Kvh©µg cwiPvjbvi †¶‡Î D‡Ïk¨MZ mZZvi mv‡_ †Kvb Av‡cvl K‡ib bv|

M) MÖvnKex¶Y: GKRb bxwZevb e¨vsKvi Zvi m¤¢ve¨ MÖvn‡Ki eZ©gvb I AZxZ eëmvwqK Kvh©Kjvc ch©v‡jvPbv K‡i †`‡Lb Zvi †ÿ‡Î gvbeZv

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ˆbwZKZv-wbf©i e¨vswKs‡qi †¶Î I cwimi

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wb‡P ˆbwZKZvi e¨vswKs‡qi †¶Îmg~n D‡jøL Kiv n‡jv:

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cÖwkÿY/Kg©kvjv

gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a m‡PZbZv e„w×i j‡ÿ¨ mKj kvLvi BAMLCO I Ab¨vb¨ Kg©KZ©v‡ì wb‡q RbZv e¨vsK wjwg‡UW-Gi Gw›U gvwbjÛvwis †mKkb PjwZ eQ‡i †gvU 37wU cÖwkÿ‡Yi Av‡qvRb K‡i| GiB Ask wn‡m‡e MZ 5 A‡±vei 2018 Zvwi‡L Kzwgjøv wefvMxq Kvh©vj‡qi Kg©KZ©v‡ì wb‡q Av‡qvwRZ cÖwkÿY Kg©kvjvq Dcw¯’Z wQ‡jb RbZv e¨vsK wjwg‡U‡Wi †WcywU g¨v‡bwRs wW‡i±i I CAMLCO †gvt BmgvBj †nv‡mb| Kzwgjøv wefvMxq Kvh©vj‡qi gnveë¯’vcK †gvt †gveviK †nv‡mb, cÖavb Kvh©vj‡qi †Rbv‡ij e¨vswKs wWcvU©‡g‡›Ui Dcgnveë¯’vcK †gvt Ave`yi iDd, Gw›U gvwbjÛvwis †mKk‡bi mnKvix gnveë¯’vcK I DCAMLCO

†gvQvt AvjZvdz‡bœQvmn Ab¨vb¨ Kg©KZ©ve„›` Kg©kvjvq Dcw¯’Z wQ‡jb|

MZ 7 A‡±vei 2018 Zvwi‡L RbZv e¨vsK ÷vd K‡jR, XvKv Av‡qvwRZ e¨vs‡Ki wbe©vnx‡ì Rb¨ weR‡bm Bswjk j¨v½y‡qR †Kv‡m©i D‡Øvab K‡ib e¨vs‡Ki wmBI GÛ g¨v‡bwRs wW‡i±i †gvt AvãyQ Qvjvg AvRv`| D‡Øvabx Abyôv‡b e¨vs‡Ki †WcywU g¨v‡bwRs wW‡i±i †gvt wRKiæj nK Ges ÷vd K‡j‡Ri wcÖwÝcvj (†Rbv‡ij g¨v‡bRvi) KvRx †Mvjvg †gv¯Ídvmn e¨vs‡Ki

20Rb wbe©vnx Dcw¯’Z wQ‡jb|

MZ 14 A‡±vei 2018 Zvwi‡L RbZv e¨vsK ÷vd K‡jR, XvKvq 10 Kg©wème¨vcx cÖ‡R± dvBb¨vwÝs †Kv‡m©i D‡Øvab Kiv nq| D‡Øvabx Abyôv‡b cÖavb AwZw_ wn‡m‡e Dcw¯’Z wQ‡jb e¨vs‡Ki †WcywU g¨v‡bwRs wW‡i±i †gvt wRKiæj nK| †Kv‡m© 24 Rb wkÿv_©x AskMÖnY K‡ib| D‡Øvabx Abyôv‡b Ab¨v‡bï g‡a¨ RbZv e¨vsK ÷vd K‡j‡Ri wcÖwÝcvj (†Rbv‡ij g¨v‡bRvi) KvRx †Mvjvg †gv¯Ídv, wWwRGg gnvt bvwRi †nv‡mb

Ges GwRGg bycyi Kzgvi KzÊy Dcw¯’Z wQ‡jb|

MZ 27 A‡±vei 2018 Zvwi‡L RbZv e¨vsK ÷vd K‡jR, XvKv Av‡qvwRZ e¨vs‡Ki wbe©vnx‡ì Rb¨ A_©cvPvi Ges Rw½-mš¿vmx Kv‡R A_©vqb cÖwZ‡iva welqK †Kvm© AbywôZ nq| cÖavb AwZw_ wn‡m‡e Dcw¯’Z †_‡K †Kv‡m©i D‡Øvab K‡ib e¨vs‡Ki wmBI GÛ GgwW †gvt AvãyQ Qvjvg AvRv`| ÷vd K‡j‡Ri Aa¨ÿ (wRGg) KvRx †Mvjvg †gv¯Ídvi mfvcwZ‡Z¡ Av‡qvwRZ Abyôv‡b we‡kl

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weR‡bm Bswjk j¨v½y‡qR †Kvm©di Gw·wKDwUf&m

wcÖ‡fbkb Ad gvwbjÛvwis GÛ Kge¨vwUs†U‡ivwi÷ dvBb¨vwÝs Kg©kvjv †Kvm© Ab cÖ‡R± dvBb¨vwÝs

RbZv e¨vs‡K gvwbjÛvwis I Rw½ A_©vqb cÖwZ‡iva welqK †Kv‡m©i D‡Øvab


kvLv eë¯’vcK m‡¤§jb

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MZ 17 b‡f¤î 2018 Zvwi‡L RbZv e¨vsK wjwg‡UW, wefvMxq Kvh©vjq, Kzwgjøvi kvLvmg~‡ni kvLv eë¯’vcK m‡¤§jb kn‡ii Kzwgjøv K¬v‡e AbywôZ nq| m‡¤§j‡b cÖavb AwZw_ wn‡m‡e Dcw¯’Z wQ‡jb RbZv e¨vsK wjwg‡U‡Wi wmBI GÛ g¨v‡bwRs wW‡i±i †gvt AvãyQ Qvjvg AvRv`| we‡kl AwZw_ wQ‡jb †WcywU g¨v‡bwRs wW‡i±i †gvt ZvRyj Bmjvg I cÖavb Kvh©vj‡qi wRGg (wmGdI) †gvt byiæj Avjg GdwmGgG, GdwmG| wefvMxq Kvh©vjq, KzwgjøvÕi †Rbv‡ij g¨v‡bRvi †gvt †gveviK †nv‡m‡bi mfvcwZ‡Z¡ m‡¤§j‡b wefv‡Mi wewfbœ kvLvi kvLv eë¯’vcKMY Dcw¯’Z wQ‡jb|

MZ 2 b‡f¤î 2018 Zvwi‡L RbZv e¨vsK wjwg‡UW, wefvMxq Kvh©vjq, ivRkvnxi kvLvmg~‡ni kvLv eë¯’vcK m‡¤§jb kn‡ii mxgvšÍ m‡¤§jb †K‡›`ª AbywôZ nq| m‡¤§j‡b cÖavb AwZw_ wn‡m‡e Dcw¯’Z wQ‡jb RbZv e¨vsK wjwg‡U‡Wi wmBI GÛ g¨v‡bwRs wW‡i±i †gvt AvãyQ Qvjvg AvRv`| we‡kl AwZw_ wQ‡jb †WcywU g¨v‡bwRs wW‡i±i †gvt wRKiæj nK I †gvt ZvRyj Bmjvg| wefvMxq Kvh©vjq, ivRkvnxÕi wRGg †gvt Av³viæ¾vgv‡bi mfvcwZ‡Z¡ m‡¤§j‡b Ab¨v‡bï g‡a¨ ¯’vbxq Kvh©vj‡qi wRGg †gvt Avãyj AvDqvj I iscyi wefvMxq Kvh©vj‡qi wRGg †gvt mvLvIqvZ †nv‡mb Dcw¯’Z wQ‡jb|

MZ 10 b‡f¤î 2018 Zvwi‡L RbZv e¨vsK wjwg‡UW, wefvMxq Kvh©vjq, Lyjbvi AvIZvaxb kvLvmg~‡ni kvLv eë¯’vcK m‡¤§jb ¯’vbxq wmwU Bb wjwg‡U‡W AbywôZ nq| m‡¤§j‡b cÖavb AwZw_ wn‡m‡e Dcw¯’Z wQ‡jb RbZv e¨vsK wjwg‡U‡Wi wmBI GÛ g¨v‡bwRs wW‡i±i †gvt AvãyQ Qvjvg AvRv`| we‡kl AwZw_ wQ‡jb †WcywU g¨v‡bwRs wW‡i±i †gvt BmgvBj †nv‡mb I †gvt wRKiæj nK Ges dwi`cyi wefvMxq Kvh©vj‡qi wRGg kvn †gvt Avmv` Djøvn& I cÖavb Kvh©vj‡qi wRGg (wmGdI) †gvt byiæj Avjg GdwmGgG, GdwmG| wefvMxq Kvh©vjq, LyjbvÕi wRGg Avn‡g` kvnbyi †nv‡m‡bi mfvcwZ‡Z¡ m‡¤§j‡b wefv‡Mi wewfbœ kvLv eë¯’vcKMY Dcw¯’Z wQ‡jb|

MZ 9 b‡f¤î 2018 Zvwi‡L RbZv e¨vsK wjwg‡UW, dwi`cyi wefv‡Mi AvIZvaxb kvLvmg~‡ni kvLv eë¯’vcK m‡¤§jb kn‡ii eª¨vK jvwb©s †m›Uv‡i AbywôZ nq| m‡¤§j‡b cÖavb AwZw_ wQ‡jb RbZv e¨vsK wjwg‡U‡Wi wmBI GÛ g¨v‡bwRs wW‡i±i †gvt AvãyQ Qvjvg AvRv`| we‡kl AwZw_ wQ‡jb †WcywU g¨v‡bwRs wW‡i±i †gvt BmgvBj †nv‡mb I †gvt wRKiæj nK Ges cÖavb Kvh©vj‡qi wRGg (wmGdI) †gvt byiæj Avjg GdwmGgG, GdwmG I wefvMxq Kvh©vjq LyjbvÕi wRGg Avn‡g` kvnbyi †nv‡mb| wefvMxq Kvh©vjq, dwi`cy‡ii †Rbv‡ij g¨v‡bRvi kvn †gvt Avmv` Djøvn&Õi mfvcwZ‡Z¡ m‡¤§j‡b wefv‡Mi wewfbœ kvLv eë¯’vcKMY Dcw¯’Z wQ‡jb|

RbZv e¨vsK wjwg‡U‡Wi PÆMÖvg wefvMxq kvLv eë¯’vcK m‡¤§jb MZ 7 wW‡m¤î 2018 Zvwi‡L †nv‡Uj AvMÖvev‡ì wµ÷vj ej iæ‡g AbywôZ nq| m‡¤§j‡b cÖavb AwZw_ wn‡m‡e Dcw¯’Z wQ‡jb e¨vs‡Ki wmBI GÛ g¨v‡bwRs wW‡i±i †gvt AvãyQ Qvjvg AvRv`| we‡kl AwZw_ wQ‡jb e¨vs‡Ki wWGgwW †gvt dRjyj nK, †gvt wRKiæj nK I †gvt ZvRyj Bmjvg Ges cÖavb Kvh©vj‡qi wRGg I wmGdI †gvt byiæj Avjg GdwmGgG, GdwmG| PÆMÖvg wefvMxq Kvh©vj‡qi wRGg †gvt gÄyiæj AvnQv‡bi mfvcwZ‡Z¡ m‡¤§j‡b wefv‡Mi Ab¨vb¨ wbe©vnx-Kg©KZ©ve„›` Dcw¯’Z wQ‡jb| cÖavb AwZw_i e³‡e¨ †gvt AvãyQ Qvjvg AvRv` gybvdv AR©‡bi cvkvcvwk RbM‡Yi Rb¨ wewfbœ Kj¨vYg~Lx KvR Ki‡Z Kg©KZ©v-Kg©Pvix‡ì cÖwZ AvnŸvb Rvbvb|

PÆMÖvg

ivRkvnx

dwi`cyi

Lyjbv

Kzwgjøv

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GKwU cÖ¯Ívebv

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RbZv e¨vs‡Ki ÷vd K‡jRmg~‡n A‡bK¸‡jv BbnvDR cÖwkÿY nq †mLv‡b eQ‡i GK GKwU wel‡qi Dci 20 †_‡K 30wUi †ewk †Kvm© Av‡qvRb Kiv †Kvbfv‡eB m¤¢eci nq bv| hw` cÖwZwU †Kv‡m© 25Rb cÖwkÿYv_©x _v‡Kb, Zvn‡j Gfv‡e m‡e©v”P gvÎ 750Rb‡K H wel‡q cÖwkwÿZ Kiv hvq| e¨vs‡Ki Rb¨ GUv ch©vß bq| evwK †_‡K hvq AviI `k nvRv‡ii †ewk Kg©x| A_P e¨vsK `ªæZ cwieZ©bkxj I µgea©gvb GKwU cÖwZôvb| bvbv mgm¨v, RwUjZv, D™¢veb, AvaywbKvqb Gm‡ei ga¨ w`‡qB cÖwZwbqZ Zv‡K Pj‡Z nq Ges †mm‡ei mv‡_ Awf‡hvRb Ki‡Z nq A_ev †gvKvwejv Ki‡Z nq| ZvQvov G‡KK GjvKvi mgm¨v G‡KiKg| †mR‡b¨ cÖ‡Z¨KwU Gwiqv‡Z GjvKvwfwËK cÖwkÿY eë¯’v cÖmvwiZ Kiv Avek¨K|

†h mKj Kg©KZ©v 2008 mvj ev Zvi c‡i e¨vs‡K †hvM`vb K‡i‡Qb ZvivB GLb gvVch©v‡qi †ewkifvMUv mvgjv‡”Qb| cÖwZwbqZ Ávb e„w×i gva¨‡g Gme ZiæYkw³‡K Dchy³ e¨vsKvi Ges h_v_© gvbyl wn‡m‡e M‡o Zz‡j fwel¨‡Zi Rb¨ cÖ¯‘Z Kiv GLb Avgv‡ì eo `vwqZ¡| GwiqvwfwËK cÖwkÿY Pvjy KivUv †mB Kvi‡Y †ewk cÖvmw½K|

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weqvbx evRvi kvLv, wm‡jU†nvwìs b¤î: 622moK: wm‡jU-eviBMÖvg†cŠimfv: weqvbx evRvi_vbv: weqvbx evRvi, †Rjv: wm‡jUfe‡bi bvg: AvwRR mycvi gv‡K©Ufeb gvwjK: †gvt dviæK Avng`¯’vbvšÍ‡ii ZvwiL: 28.10.2018

Gwiqv Awdm, eªvþYevoxqv†nvwìs b¤î: 343 mo‡Ki bvg: 595 dzjevwoqvIqvW© b¤î: 03, eªvþYevoxqv †cŠimfv_vbv I †Rjv: eªvþYevoxqvfeb gvwjK: G‡KGg dRjyj KwigGGdGg mvgmyj Kwig, G‡RGg mv`yj Kwig I iv‡k`v Av³vi¯’vbvšÍ‡ii ZvwiL: 01.11.2018

Gwiqv Awdm, e¸ov†nvwìs b¤î-5059moK: AvjdvR DÏxb †M`v moKIqvW© b¤î: 9 e¸ov †cŠimfv_vbv: e¸ov mì, †Rjv: e¸ovfe‡bi bvg: †LvKv Kg‡cø·feb gvwjK: †gvt Avjxgvb nvwKg¯’vbvšÍ‡ii ZvwiL: 01.11.2018

wK‡kviMÄ K‡c©v‡iU kvLv, wK‡kviMÄ†nvwìs b¤î: 117, IqvW© b¤î: 06moK: CkvLuv †ivWwK‡kviMÄ †cŠimfv _vbv: wK‡kviMÄ mì†Rjv: wK‡kviMÄfeb gvwjK: †gvt gvRnviæj Bmjvg f~Tv¯’vbvšÍ‡ii ZvwiL: 18.11.2018

mvZÿxiv K‡c©v‡iU kvLv IGwiqv Awdm, mvZÿxiv†nvwìs b¤î: 3840, IqvW© b¤î: 8moK: Aveyj Kv‡kgmvZÿxiv †cŠimfv_vbv: mvZÿxiv mì, †Rjv: mvZÿxivfe‡bi bvg: jvebx UvIqvifeb gvwjK: Avãym mvËviI bvRgv †eMg¯’vbvšÍ‡ii ZvwiL: 25.11.2018

nwj`vMvwQ kvLv,ivRkvnxMÖvg: nwj`vMvwQBDwbqb: kjyqv_vbv: PviNvU†Rjv: ivRkvnxfeb gvwjK: gnv‡è P›`ª nvj`vi I K…Â P›`ª nvj`vi¯’vbvšÍ‡ii ZvwiL: 02.12.2018

myePbx evRvi kvLv, UsMxevoxMÖvg: myePbxBDwbqb: AvDUkvnx_vbv: UsMxevox, †Rjv: gywÝMÄfe‡bi bvg: Kvdzi Avjx †kLmycvi gv‡K©Ufeb gvwjK: Avãyj nvB †kLAvãyj ie I Avãyj †gvZv‡je †kL¯’vbvšÍ‡ii ZvwiL: 02.12.2018

P›`ª‡Kvbv kvLv, †kicyiMÖvg I BDwbqb: P›`ª‡Kvbv_vbv: bKjv, †Rjv: †kicyifeb gwjK: †gvt Avmy`y¾vgvb I†gvt Avs¸i wgqv¯’vbvšÍ‡ii ZvwiL: 23.12.2018

A‡±vei-wW‡m¤î 2018 : wcGgAvBGm †_‡K cÖvß Z‡_ï wfwË‡Z

bvg I cèx : evey gM, wcÖwÝcvj Awdmvi†hvM`vb ZvwiL : 22.10.1981g„Zz¨ ZvwiL : 30.12.2018†kl Kg©¯’j : wiKbwmwj‡qkb wWcvU©‡g›U, cÖavb Kvh©vjq, XvKv

bvg I cèx : †gvt ZvInx`, wmwbqi Awdmvi†hvM`vb ZvwiL : 11.10.2011g„Zz¨ ZvwiL : 20.11.2018†kl Kg©¯’j : †bvqvcvov kvLv, Gwiqv Awdm, nweMÄ

bvg I cèx : †gvt †gv³vi †nv‡mb, Awdmvi-†Ujvi†hvM`vb ZvwiL : 02.03.1984g„Zz¨ ZvwiL : 29.10.2018†kl Kg©¯’j : cvbvgbMi kvLv, Gwiqv Awdm, bvivqYMÄ

bvg I cèx : †gvt ev”Pz wgqv, †Kqvi‡UKvi†hvM`vb ZvwiL : 21.04.2011g„Zz¨ ZvwiL : 28.10.2018†kl Kg©¯’j : kvnxevev` evRvi, Gwiqv Awdm, Kzwgjøv

bvg I cèx : †gvt AvwZKzi ingvb, GmwcI†hvM`vb ZvwiL : 30.09.1998g„Zz¨ ZvwiL : 23.10.2018†kl Kg©¯’j : wi‡UBj Kv÷gvi wWcvU©‡g›U-1, cÖavb Kvh©vjq

bvg I cèx : f‚lY Kzgvi `vm ZvjyK`vi, Awdmvi†hvM`vb ZvwiL : 01.01.1984g„Zz¨ ZvwiL : 20.10.2018†kl Kg©¯’j : Gwiqv Awdm, mybvgMÄ

bvg I cèx : †gvt gwReyi ingvb, †Kqvi‡UKvi†hvM`vb ZvwiL : 20.01.2011g„Zz¨ ZvwiL : 11.10.2018†kl Kg©¯’j : we.†K †ivW kvLv, Gwiqv Awdm, bvivqYMÄ

bvg I cèx : Beªvnxg Ljxj, Awdmvi-†Ujvi†hvM`vb ZvwiL : 10.07.1986g„Zz¨ ZvwiL : 10.10.2018†kl Kg©¯’j : Avwgb evRvi kvLv, Gwiqv Awdm, XvKv-cwðg

bvg I cèx : †gvt Rqbe Avjx, †Kqvi‡UKvi†hvM`vb ZvwiL : 07.01.1978g„Zz¨ ZvwiL : 05.10.2018†kl Kg©¯’j : Djøvcvov kvLv, Gwiqv Awdm, wmivRMÄ

bvg I cèx : `xbeÜz ivq, wmwbqi Awdmvi†hvM`vb ZvwiL : 20.01.1990g„Zz¨ ZvwiL : 04.10.2018†kl Kg©¯’j : bexMÄ kvLv, Gwiqv Awdm, nweMÄ

bvg I cèx : †gvt Aveyj †nv‡mb, wmwbqi Awdmvi†hvM`vb ZvwiL : 18.04.1979g„Zz¨ ZvwiL : 16.11.2018†kl Kg©¯’j : wR‡iv c‡q›U K‡c©v‡iU kvLv, XvKv

wimvP©, cø¨vwbs GÛ ÷¨vwUmwUKm wWcvU©‡g›U, RbZv e¨vsK wjwg‡UW, cÖavb Kvh©vjq, 48 gwZwSj evwYwR¨K GjvKv, XvKv 1000, †dvb: 88-02-47120176d¨v·: 88 02 9558614, B‡gBj: [email protected], I‡qemvBU: www.jb.com.bd KZ…©K cÖKvwkZ Ges Awjw¤úK †cÖvWv±m wcÖw›Us GÛ c¨v‡KwRs, 165 AvivgevM, gwZwSj ev/G, XvKv, B‡gBj: [email protected] n‡Z gyw`ªZ

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cvebvq RbZv e¨vs‡Ki 913Zg kvLv D‡Øvab

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RbZv e¨vs‡Ki BwZe„Ë: MYgyLx e¨vswKs

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