Lending Operation & Risk Management
¾ FY e¨e¯’vcbv?3 evwYwR¨K e¨vs‡Ki †cvU©‡dvwjI bxwZ?4
¾ e¨vs‡Ki FY/AMÖxg?5 cÖ‡qvRbxqZv/¸iæZ¡?5
¾ FY`v‡bi mgq e¨vs‡Ki we‡eP¨ welq/mveavbZvg~jK e¨e¯’v?7
¾ e¨vsK F‡Yi †kªYxwefvM?9
¾ evsjv‡`k e¨vsK KZ©„K cÖYxZ wb‡`©k F‡Yi †kªYxwefvM?11
¾ e¨vsK FY Kg©cš’v?13 FY Kvh©µ‡gi avcmg~n?13
¾ e¨vsK †_‡K FY MÖn‡Yi c×wZ?15
¾ bZzb MÖvnK FY cÖ¯Íve cÖwµqvKi‡Y welqvw` we‡kølY?16
¾ cv_©K¨t e¨vsK FY I e¨emvq FY?35
¾ FY/e¨vsK FY?19 ˆewkó¨/kZ©vejx?20 ¸iæZ¡/e¨envi?21
¾ e¨vsK F‡Yi myweav I Amyweav?23
¾ evwYwR¨K e¨vsK n‡Z FY MÖnY c×wZ?24
¾ FY`v‡b e¨vs‡Ki we‡eP¨ welq?26
¾ F‡Yi RvgvbZ? DËg RvgvbZ ˆewkó¨?28
¾ ¯^í‡gqv`x e¨vsK F‡Yi wewfbœ ai‡bi RvgvbZ?30
¾ FY cwi‡kva bv Kivi cwiYvg?32
¾ RvgvbZwenxb ¯^í‡gqv`x e¨vsK F‡Yi eY©bv?33
¾ DËg FY Kg©KZ©vi ¸Yvejx?37
¾ cwi‡ek? †Kvb welq evwYwR¨K e¨vs‡Ki FY cwi‡ek RwoZ?39
¾ evwYwR¨K e¨vsK F‡Yi cwi‡ek m¤úwK©Z welq?40
¾ evwYwR¨K e¨vsK FYbxwZ cÖfvweZ Kivi Dcv`vb?41
¾ FY we‡kølY? cÖavb w`K? we‡eP¨ welq?42
¾ e¨vs‡Ki FY welqK Z‡_¨I Drm?43
¾ FY we‡køl‡Yi avc?45
¾ Avw_©K weeiYx? Avw_©K weeiYx we‡kølY?47
¾ Avw_©K weeiYx we‡køl‡Yi KviY/cÖ‡qvRbxqZv?e¨vsKvi‡K wm×všÍ MÖn‡Y
cÖfvweZ?49 Avw_©K weeiYx we‡køl‡Yi cÖKvi‡f`?50
¾ Avw_©K weeiYx we‡kølY I e¨vL¨vKiY c×wZ/†KŠkj?51
¾ Avw_©K we‡køl‡Yi Zzjbvi gvbmg~n?54
¾ Avw_©K weeiYx we‡køl‡Yi e¨enviKvix?55 nvwZqvi/bxwZmg~n?56
¾ WdbvwÝqvj †¯cÖWkxU?57
¾ Znwej?58 Znwej cÖevn?59 Znwej cÖevn weeiYx ¸iæZ¡?59
¾ bM` cÖevn weeiYx?61 cÖ¯‘‡Zi D‡Ïk¨?61 myweav?62 ¸iæZ¡?63
¾ bM` cÖevn weeiYx mxgve×Zv?64
¾ cv_©K¨t bM` cÖevn weeiYx I Znwej cÖevn weeiYx?65
¾ bM` cÖevn cÖfve m„wóKvix Dcv`vb I ˆewkó¨?67
¾ AbycvZ? AbycvZ we‡kølY?68 AbycvZ we‡kølY Zzjbvi gvb`Ê?69
¾ Avw_©K weeiYx we‡kølY/AbycvZ we‡køl‡Yi ¸iæZ¡/D‡Ïk¨?69
¾ AbycvZ †kªYxwefvM?70 ¸iæZ¡c~Y© AbycvZ wbY©q I m~Îvejx?71
¾ AbycvZ we‡køl‡Yi ¸iæZ¡?77 mxgve×Zv?78
¾ AbycvZ wKfv‡e Avw_©K we‡køl‡Y mnvqZv K‡i?79
¾ Kviev‡i bM` cÖevn?80
¾ AbycvZ we‡kølY? ¸iæZ¡? Avw_©K weeiYx‡K we‡køl‡Y mvnvh¨?91
¾ FY cÖ`vbKvix e¨vsK AbycvZ we‡kølY e¨envi I mxgve×Zv?92
¾ wewfbœ cÖKvi AbycvZ e¨vL¨v I Zvrch©?95
¾ cÖPwjZ I AcÖPwjZ bM` cÖevn?98 bM` cÖev‡ni Dcv`vb?84
¾ evwl©K e„wË ebvg wgkª bM` cÖevn e¨vL¨v?99
¾ Abycv‡Zi wewea m~Îvejx?87
¾ mg‡”Q` we›`y/fvimvg¨ we›`y?/mg Avq-e¨q we›`y?102
¾ mg‡”Q` we›`y we‡kølY I e¨q cwigvY gybvdvi m¤úK© we‡kølY?104
¾ e¨e¯’vcbxq wm×všÍ MÖn‡Y mg‡”Q` we›`y we‡køl‡Yi f~wgKv?104
¾ ‡iLvwP‡Îi gva¨‡g mg‡”Q` we›`y wbY©‡qi c×wZ?107
¾ mg‡”Q` we‡køl‡Y g~j Abygvb/kZ©mg~n?109
¾ mg‡”Q` we‡køl‡Yi mxgve×Zv?110
¾ FY wnmve †¯‹vwis?111
¾ e¨vsK n‡Z FY MÖnY c×wZ/cÖwµqv Av‡jvPbv?117
¾ ‡gqvw` FY? KZ cÖKvi I wK wK?118
¾ ¯^í‡gqvw` A_© ms¯’vb/F‡Yi ˆewkó?119 Drm?120
¾ ¯^í‡gqvw` F‡Yi myweav/¸iæZ¡?125
¾ ga¨‡gqvw` F‡Yi ¸iæZ¡?127 ga¨‡gqvw` F‡Yi Dc‡hvwMZv?128
¾ ga¨‡gqvw` F‡Yi Drm?129 ga¨‡gqvw` F‡Yi myweav?130
¾ ga¨‡gqvw` F‡Yi Amyweav?132
¾ `xN©‡gqvw` F‡Yi Drm?133
¾ g~jab ev‡RwUs?138 g~jab ev‡RU cÖYq‡bi ˆewkó?139
¾ g~jab ev‡RU cÖYq‡bi †KŠkj? D‡Ïk¨?141 myweav?143
¾ g~jab ev‡RwUs avc/c`‡ÿc?145 wm×v‡šÍi cÖKvi‡f`?147
¾ g~jab ev‡RwUs ‡hŠw³KZv?147 m¤ú„³ welqvw`?148
¾ g~jab ev‡RwUs bxwZgvjv? ¸iæZ¡?150
¾ cÖKí? wewb‡qvM cÖKí/wm×všÍ †kªYxwefvM?152
¾ cÖK‡íi m¤¢ve¨Zv hvPvB we‡eP¨ welq?153
¾ cÖKí g~j¨vqb we‡kl w`K? KvwiMwi w`K?155
¾ cÖK‡íi Avw_©K m¤¢ve¨Zv hvPvB/cixÿvi we‡eP¨ welq?157
¾ cÖ¯ÍvweZ cÖK‡íi e¨q I A_©vqb c×wZi D`vniY?159 ¾ F‡Yi `wjj? `wjwj FY? KZ cÖKvi I wK wK? Av‡jvPbv?287
¾ cÖKí iæMœ KviY? cybe©vmb cÖ‡qvRbxqZv, ¸iæZ¡, Dcvq?159 ¾ cÖZ¨qbcÎ? wewfbœ cÖKvi cÖZ¨qbcÎ?288
¾ SzuwK I AwbðqZv? Zzjbvg~jK cv_©K¨?163 ¾ ågYKvix †PK? cv_©K¨t ågYKvix †PK I åvg¨gvb †bvU?291
¾ ¯^í‡gqvw` I `xN©‡gqvw` FY? evwYwR¨K e¨vs‡K AMÖwaKvi?165 ¾ cv_©K¨t ågYKvix †PK I åvg¨gvY FYcÎ/åvg¨gvb cÖZ¨qbcÎ?292
¾ cv_©K¨t `xN©‡gqv`x I ¯^í‡gqv`x FY?167 ¾ cv_©K¨t FY I wewb‡qvM?293
¾ ¯^í‡gqv`x F‡Yi †kªYxwefvM?169 ¾ F‡Yi `wjj KZ cÖKvi? Av‡jvPbv?294
¾ Af¨šÍixY gybvdvi nvi(AvB.Avi.Avi)? myweav I Amyweav?170 ¾ ¯^í‡gqv`x F‡Y e¨eüZ RvgvbZ eY©bv? ‡cøR I nvB‡cvw_‡Kkb? 300
¾ gybvdv AR©b ÿgZv m~PK(wcB) wK?171 ¾ cv_©K¨t †cøR I nvB‡cvw_‡Kkb, BKzB‡Uej I †iwR÷vW© gU©‡MR303
¾ wewb‡qvM cÖ¯Ívevw` g~j¨vq‡bi mswÿß cš’v †ce¨vK c×wZ?172 ¾ e¨vsK F‡Yi RvgvbZ? RvgvbZhy³ I RvgvbZwenxb FY?305
¾ g~jab eivÏKiY/†ikwbs?174 ¾ cv_©K¨t RvgvbZhy³ I RvgvbZwenxb FY?306
¾ g~jabx e¨q/h_v_© wewb‡qvM g~j¨vq‡bi m‡e©vrK…ó c×wZ?174 ¾ ‡Kvb cwiw¯’wZ‡Z FY cÖ`v‡b mn‡hvMx Rvgvb‡Z ¸iæZ¡ †`q bv?307
¾ evwYwR¨K FY?175 ¸iæZ¡? kZ©vejx?177 ¾ ‡KvbwU ¸iæZ¡t cÖv_wgK I mnvqK RvgvbZ?308 cv_©K¨?309
¾ e¨vs‡Ki wjwLZ DËg FY bxwZ †Kvb welq AšÍfz©³?178 ¾ Mw”QZ MÖnxZvi c~e©¯^Z¡?309 cv_©K¨t we‡kl I mvaviY c~e©¯^Z¡?310
¾ FY ch©v‡jvPbv? wKfv‡e G cÖwµqv Kvh©Ki?179 ¾ e¨vsK F‡Yi †ÿ‡Î Rvgvb‡Zi cÖ‡qvRbxqZv/¸iæZ¡?311
¾ evwYwR¨K e¨vs‡Ki FY bxwZi ¸iæZ¡?182 ¾ RvgvbZ MÖn‡Yi †ÿ‡Î e¨vs‡Ki we‡eP¨ welq?312
¾ me¸‡jv wWg GK Szwo‡Z? e¨vsKvi Kv÷gvi‡K mymg‡q (†iŠ`ª¾j¡ ¾ A_© FY Av`vjZ-2003 ¸iæZ¡c~Y© weavb Av‡jvPbv?314
w`‡b A_© `vb `ytmg‡q (el©YgyLi w`‡b) A_© ‡diZ Pvq?183 ¾ e¨vsK wKfv‡e gy`ªvevRvi AwZ D”P my‡` FY MÖnY cwinvi?315
¾ cv_©K¨t e¨emvq FY I wKw¯Íe›`x FY?184 ¾ FY cÖ`vbKvix e¨vsK FY cÖ`v‡bi we‡eP¨ welqmg~n?317
¾ e¨vsK FY gÄy‡ii we‡eP¨ welq?184 ¾ F‡Yi h_vh_ e¨envi I Av`vq wbwðZ j‡ÿ¨ e¨vsK wK ai‡Yi
¾ e¨vs‡Ki wewfbœ cÖKvi AvMvg/FY wK wK?186 AbyµgY(d‡jvAvc) I ZË¡veavb e¨e¯’v MÖnY?319
¾ cv_©K¨t mvaviY, bM` I RgvwZwi³ FY?187 FY I wewb‡qvM?189 ¾ AbyµgY(d‡jvAvc) I cwiaviY(gwbUwis) KLb ïiæ DwPZ?320
¾ RvgvbZ/wmwKDwiwU? e¨vsK F‡Y wewfbœ RvgvbZ?190 ¾ FY cwi‡kv‡ai bxwZ?321
¾ e¨vsK F‡Y cÖPwjZ RvgvbZ?192 ¾ ‡gqv`x I PjwZ FY cybtZdwmjxKi‡Y evsjv‡`k e¨vs‡Ki me©‡kl
¾ cv_©K¨t PvwnevgvÎ †`q FY I ¯^í‡gqvw` †bvwU‡k cwi‡kva¨ FY?194 wb‡`©kbv?321 FY cwi‡kv‡ai bxwZgvjv Av‡jvPbv?323
¾ PjwZ g~jab? †gvU PjwZ I bxU PjwZ g~jab?195 ¾ FY wbqš¿q‡Yi e¨e¯’v?324
¾ PjwZ g~ja‡bi ¸iæZ¡? cwigvY wba©vi‡Y we‡eP¨ welq/cÖfve we¯ÍviKvix ¾ ‰e‡`wkK wewbgq nvi?325 fvimvg¨ wewbgq nvi?325
Dcv`vb? cwigvY wba©viK?197 ‰e‡`wkK wewbgq nvi wKfv‡e wba©vwiZ?326 ˆe‡`wkK wewbgq
¾ PjwZ g~ja‡bi Drm?199 nvi cwieZ©‡bi KviY?329 wewbgq nvi cwieZ©b mxgv?330
¾ NvUwZ, evowZ I Kvg¨ PjwZ g~jab?201 wewbgq nvi w¯’wZkxj c×wZ?331 w¯’i I cwieZ©bkxj wewbgq
¾ PjwZ g~jab aviYvi †kªYxwefvM/PjwZ g~ja‡bi †kªYxwefvM?201 nvi333 w¯’i wewbgq nvi myweav?333 Amyweav?334
¾ PjwZ g~jab e¨e¯’vcbvq PjwZ g~jab P‡µi ¸iæZ¡?203 cwieZ©bkxj wewbgq nvi myweav?335 Amyweav?336
¾ wewbgq wbqš¿Y?337 D‡Ïk¨?337 c×wZ?338
PjwZ g~ja‡bi we‡kølY?204
myweav?339 Amyweav?340 wewfbœ cÖKvi FYcÎ?341
¾ PjwZ g~ja‡bi A_©ms¯’vb wewfbœ Drm/Avcwb wK g‡b K‡ib †Kvb
FY e¨e¯’vi myweav?344 evwYwR¨K e¨vsK †`bv-cvIbv wnmve?345
mn‡hvMx RvgvbZ e¨wZ‡i‡K PjwZ g~jab A_©vqb DwPZ?205
¾ evwYwR¨K e¨vs‡Ki g~jbxwZ?348
¾ cv_©K¨t ¯’vqx I PjwZ g~jab?207 PjwZ g~jab Pµ?208
¾ evwYwR¨K e¨vsK wKfv‡e gybvdv I Zvi‡j¨ mvgÄm¨ K‡i?349
¾ NvUwZ I evowZ g~ja‡bi Amyweav?209
¾ UxKvt AcÖZ¨vnvi‡hvM¨ FYcÎ?353 cÖwfkwbs?353
¾ PjwZ g~ja‡bi A_©vqb †KŠkj?210 Kvg¨ ¯Íi?212
K¨vk †d¬v/dvÛ †d¬v?354 gy³ evRvi Kvh©µg?355
¾ PjwZ g~jab wbqš¿Y?214 cyev© bygvb m¤ú‡K© Av‡jvPbv?215
F‡Yi g~j¨ wba©viY?355 FY Ae‡jvcb?356
¾ Kvh©Kix g~ja‡bi cwigvY?215
c¨vwicvmy PvR©?357 e¨vsK †iU?357
¾ RyU w¯úwbs wg‡ji PjwZ g~jab Pvwn`v wKfv‡e cÖv°jb?217
e¨vsK M¨vivw›U?358 cÖKí g~j¨vqb?358
¾ cywu R/g~jab msMÖ‡ni me©v‡cÿv Drm?218 wej Ae G·‡PÄ?359 Af¨šÍixY wbqš¿Y e¨e¯’v?360
¾ g~jab Dr‡mi Dci cÖfve we¯ÍviKvix Dcv`vb eY©bv?219 eÜKxcÎ?361 e¨vsK FY?361
¾ Avw_©K wewb‡qvM cyev© bygvb? Gi fvM¸‡jv?229 evwYwR¨K KvMR/cÎ?362 µg weeZ©gvb/N~Y©vqgvb FY e¨e¯’v?362
¾ wewb‡qvM cwi‡kvaKvj c×wZ? myweav/Amyweav?230 gvB‡µv †µwWU?363 K¨vk †d¬v †÷U‡g›U?363
¾ eZ©gvb g~j¨ cwi‡kvaKvj wK?232 Avw_©K cÖwZ‡e`b/weeiYx?364 KbwUb‡R›U jvqwewjwU?364
¾ Mo DcvR©b/gybvdvi nvi c×wZ m~Î? myweav I Amyweav?233 wej Ae G·‡PÄ?365 wej Ae †jwWs?365
¾ cv_©K¨t cwi‡kvaKvj c×wZ I Mo DcvR©b nvi?235 cÖZ¨qbcÎ?366 FY SzuwK we‡kølY?366 Znwej e¨e¯’vcbv?367
¾ evÆvK…Z bM` c×wZ?236 mg‡”Q` we›`y?367 PjwZ g~jab?367
¾ bxU eZ©gvb g~j¨? mywea I Amyweav?237 Af¨šÍixY jv‡fi/DcvR©b nvi?368 g~jab ev‡RwUs?369
¾ Af¨šÍixY gybvdvi nvi c×wZ? †ei c×wZ?239 myweav-Amyweav240 KvwiMwi m¤¢e¨Zv?369 DØ„ËcÎ?370 cwi‡kvaKvj c×wZ?371
¾ cv_©K¨t bxU eZ©gvb g~j¨ I Af¨šÍixY DcvR©b nvi c×wZ?242 FY‡iLv?371 ¯^A_©ms¯’vb?372 e¨emvq FY?373
¾ bxU eZ©gvb g~j¨ I Af¨šÍixY nv‡ii g‡a¨ DËg Dcvq?243 Avw_©K wjfv‡iR?373 ¯^Ztù~Z© A_©vqb?374
¾ Gg.G.wc.AvB c×wZ m¤ú‡K© Av‡jvPbv?244 N~Y©vqgvb FY Pzw³?375 g~jab KvVv‡gv?376 g~jab †ikwbs?377
†cvU©dwjI g¨v‡bR‡g›U?377 evÆvK…Z bM` cÖevn?378
¾ cÖ‡R± g~j¨vqb †Kvb c×wZ m‡e©vrK…ó?246 cÖKí i¨vswKs Ø›Ø?246
SzuwK e¨e¯’vcbv?378 cwiPvjbv wjfv‡iR?379
¾ g~jab/bM` †ikwbs we‡eP¨ welq?247
wewb‡qvM e¨vsK?380 BRviv A_©vqb?381
¾ cv_©K¨t g~jab ev‡RwUs I g~jab †ikwbs?248
AbycvZ we‡kølY?381 PjwZ AbycvZ/2t1 AbycvZ?382
¾ ms‡e`bkxjZv/¯úk©KvZiZv we‡kølY?249 jf¨vsk?382 Znwe‡ji cÖevn weeiYx?383
¾ e¨vs‡Ki FY `vb? e¨vsK F‡Yi ¸iæZ¡?251 Avw_©K weeiYx we‡kølY?383 AwMœcixÿv AbycvZ?384
¾ e¨vsK FY cÖ`v‡b SzuwK/we‡eP¨ welq?252
¾ SzuwK? Drm?255 cwigv‡ci †KŠkj?257
¾ e¨vsK F‡Yi †kªYxwefvM?260 F‡Yi RvgvbZ? Gi ¸iæZ¡?261
¾ F‡Yi wewfbœ cÖKvi SzuwK? RvgvbZ wbqš¿Y SzuwK, D™¢e, wbimb?263
¾ SzuwK e¨e¯’vcbv? ¸iæZ¡?265 Kvh©ejx/c`‡ÿc?266
¾ SzuwK Gov‡bv/n«vmKiY?267 SzuwK cwiPvjbvi c`‡ÿc/c×wZ?268
¾ F‡Yi RvgvbZ MÖn‡Yi SzuwK/mveavbZv/we‡eP¨ welq?269
¾ ‡gqv`x I PjwZ FY cybtZdwmjx evsjv‡`k e¨vsK wb‡`©kbv?269
¾ wewfbœ cÖKvi RvgvbZ eY©bv?271 c·Kvl aviYv?276
¾ g~j¨? e¨vsK F‡Yi g~j¨ wba©viY?279 wba©vi‡Yi ¸iæZ¡/KviY?280
¾ e¨vs‡Ki g~j¨ wba©vi‡Yi wewfbœ aib/cÖwµqv?281
¾ cwiewZ©Z FY g~j¨ wba©viY c×wZ cÖwZ‡hvwMZvc~Y© evRvi e¨e¯’vq
AcwiewZ©Z FY g~j¨ c×wZ n‡Z ‡ewk Kvh©Ki we‡kølY?282
¾ e¨vsK F‡Yi g~j¨ wba©vi‡Y we‡eP¨ welqmg~n?283