wewfbœ Lv‡Z

ˆe‡`wkK gy`ªvq
†jb‡`‡bi wel‡q
evsjv‡`‡ki wewa
e¨e¯’vw` cÖm‡½
cÖvqkt wRÁvwmZ
cÖkœvw`i DËi

ˆe‡`wkK gy`ªv bxwZ wefvM

evsjv‡`k e¨vsK
website : www.bangladeshbank.org.bd
RyjvB, 2009

5\EFKƒv§PVgNYZD=
GB cÖPvic‡Îi fvl¨ cÖvmw½K wewae¨e¯’vw`i msw¶ß mijxK…Z
eY©bv; AbymiYxq g~j wb‡`©kbvi Rb¨ †g, 2009 m‡bi Guidelines
for Foreign Exchange Transactions Ges ZrcieZ©x cÖÁvcb/
ˆe‡`wkK gy`ªv msµvšÍÍ cwicθ‡jv `ªóe¨|
1. evsjv‡`‡k wbevmx/Awbevmx Kviv?
DËi: K. mPivPi evsjv‡`‡k emevmKvix/weMZ GK eQ‡i
Ab~¨b Qq gvm evsjv‡`‡k Ae¯’vbKvix A_ev wbevmx cwiP‡q
evsjv‡`‡k Ki`vZv e¨w³iv evsjv‡`‡k wbevmx MY¨ nb;
evsjv‡`k cÖRvZ‡š¿i Kg©KZ©v/Kg©Pvixiv we‡`‡k `vwqZ¡ cvjb
ev QzwU hvcbKv‡jI evsjv‡`‡k wbevmx MY¨ _v‡Kb|
L. Dchy©³ eY©bvfz³ bb Ggb we‡`kx RvZxqZvi
e¨w³eM© Ges evsjv‡`k cÖRvZ‡š¿i Kg©KZ©v/Kg©Pvix bb
Ggb evsjv‡`kx bvMwiKMY we‡`‡k _vKvKvjxb mg‡q
evsjv‡`‡k Awbevmx MY¨ nb|
2. evsjv‡`‡k ˆe‡`wkK gy`ªv µq-weµ‡qi ˆea c¶ Kviv?
DËi: ˆe‡`wkK gy`ªvq †jb‡`‡bi Rb¨ evsjv‡`k e¨vs‡Ki
jvB‡mÝ cÖvß Zdwmwj e¨vsK kvLv¸‡jv {Aby‡gvw`Z wWjvi
ev GwW (authorised dealer) bv‡g cwiwPZ} wewfbœ Lv‡Z
ˆe‡`wkK gy`ªv µq I weµ‡qi ˆea c¶;
ågYLv‡Z ˆe‡`wkK gy`ªv †jb‡`‡bi Rb¨ evsjv‡`k
e¨vs‡Ki mxwgZ jvB‡mÝavix gvwb‡PÄviivI we‡`k †_‡K
AvMZ/we‡`kMvgx hvÎx‡`i m‡½ ågYLv‡Z ˆe‡`wkK gy`ªv µq
I weµ‡qi Rb¨ ˆea c¶|
evsjv‡`‡k Aby‡gvw`Z wWjvi e¨vsK I jvB‡mÝavix
gvwb‡PÄvi Qvov Ab¨ †Kvb c‡¶i m‡½ ˆe‡`wkK gy`ªv µq-
weµq Foreign Exchange Regulation Act, 1947 Gi
AvIZvq `Û‡hvM¨ Aciva|
3. †Kvb hvÎx we‡`k †_‡K Kx cwigvY ˆe‡`wkK gy`ªv m‡½
Avb‡Z cv‡ib?
DËi: we‡`k †_‡K AvMZ hvÎx †h †Kvb cwigvY ˆe‡`wkK
gy`ªv m‡½ Avb‡Z cv‡ib; Z‡e Gi cwigvY cuvP nvRvi gvwK©b
Wjvi ev mgg~‡j¨i †ewk n‡j mgy`q As‡Ki †NvlYv ïé
KZ©„c‡¶i Kv‡Q FMJ di‡g `vwLj Ki‡Z nq| AvbxZ
cwigvY AbwaK cuvP nvRvi gvwK©b Wjvi ev mgg~‡j¨i n‡j
ïé KZ©„c‡¶i Kv‡Q †NvlYv `iKvi nq bv|
4. we‡`k †_‡K Avbv ˆe‡`wkK gy`ªv m‡½ ivLv hvq wK?
DËi: K. evsjv‡`‡k wbevmx †Kvb e¨w³ we‡`k †_‡K m‡½
Avbv AbwaK cuvP nvRvi gvwK©b Wjvi g~j¨gv‡bi ˆe‡`wkK
gy` ªv wb‡Ri Kv‡Q ev Aby‡gvw`Z wWjvi e¨vs‡K wbevmx
ˆe‡`wkK gy`ªv GKvD‡›U Rgv ivL‡Z cv‡ib, cieZ©x we‡`k
hvÎvq m‡½ wb‡qI †h‡Z cv‡ib| cuvP nvRvi gvwK©b Wjv‡ii
AwZwi³ cwigvY AvbxZ ˆe‡`wkK gy`ªv †`‡k Avmvi GK
gv‡mi g‡a¨ Aby‡gvw`Z wWjvi e¨vs‡K/jvB‡mÝavix
gvwb‡PÄv‡ii Kv‡Q wewµ ev wbevmx ˆe‡`wkK gy`ªv GKvD‡›U
Rgv ivLv wbevmx evsjv‡`kx bvMwiK‡`i Rb¨ eva¨Zvg~jK|
L. we‡`k †_‡K AvMZ Awbevmxiv m‡½ Avbv (Ges cuvP
nvRvi gvwK©b Wjv‡ii †ewk n‡j ïé KZ©„c‡¶i Kv‡Q †NvlYv
†`qv) ˆe‡`wkK gy` ªv wb‡Ri Kv‡Q ev Aby‡gvw`Z wWjvi
e¨vs‡K Awbevmx ˆe‡`wkK gy`ªv GKvD‡›U Rgv ivL‡Z cv‡ib;
Ae¨eüZ Ask evsjv‡`k Z¨vMKv‡j m‡½ wb‡q †h‡Z cv‡ib|
5. we‡`k †_‡K m‡½ Avbv ˆe‡`wkK gy`ªv bM`vq‡bi †¶‡Î
Kx ai‡bi †iKW© ivLv evÃbxq?
DËi: AvbxZ ˆe‡`wkK gy`ªvi wewam¤§Z mبenv‡ii cÖgvY
wn‡m‡e Aby‡gvw`Z wWjvi e¨vsK ev jvB‡mÝavix gvwb‡PÄv‡ii
Kv‡Q ˆe‡`wkK gy`ªv wewµi cÖwZ †¶‡Î bM`vqb mb`cÎ
(encashment certificate) msMÖn I msi¶Y evÃbxq|
6. we‡`k †_‡K evsjv‡`‡k A_© †cÖi‡Yi ˆea cš’v Kx?
DËi: cÖvc‡Ki AbyK‚‡j †iwgU¨vÝ/†PK/WªvdU/wUwU/GgwU
BZ¨vw` ïaygvÎ evsjv‡`‡k e¨emvqiZ †Kvb e¨vs‡Ki gva¨‡g
msMÖnB ˆea| evsjv‡`‡k e¨vswKs P¨v‡b‡j ˆe‡`wkK gy`ªv
msM„nxZ n‡e bv Ggb †Kvb cš’vi (†hgb A‰ea ûwÛ Kvh©µg)
Aej¤^b Foreign Exchange Regulation Act, 1947 Gi
AvIZvq `Û‡hvM¨ Ges gvwb jÛvwis cÖwZ‡iva AvBb Gi
AvIZvq `Ûbxq n‡Z cv‡i|
7. cÖevmx evsjv‡`kxiv †`‡k Kx Kx ai‡bi ˆe‡`wkK gy`ªv
GKvD›U ivL‡Z cv‡ib?
DËi: Zuviv evsjv‡`‡k Aby‡gvw`Z wWjvi e¨vs‡K ˆe‡`wkK gy`ªvq
Awbevmx PjwZ I †gqv`x Rgv wnmve cwiPvjbv Ki‡Z cv‡ib
(hv Ab¨vb¨ RvZxqZvi Awbevmx‡`i Rb¨I Db¥y³)| Gme
wnmv‡ei w¯’wZ gybvdvm‡gZ Aev‡a we‡`‡k cÖZ¨vevmb Kiv hvq|
8. cÖevmx evsjv‡`kx I Ab¨vb¨ RvZxqZvi Awbevmxiv
evsjv‡`‡k Avi Kx Kx ai‡bi Avw_©K wewb‡qvM Ki‡Z cv‡ib?
DËi: K. we‡`‡k Kg©iZ evsjv‡`kxiv UvKvq miKvwi I‡qR
Avb©vm© †W‡fjc‡g›U e‡Û wewb‡qvM Ki‡Z cv‡ib| G
wewb‡qv‡Mi Avm‡ji AsK ˆe‡`wkK gy`ªvq Aev‡a we‡`‡k
cÖZ¨vevmb‡hvM¨ Ges gybvdvi AsK UvKvq evsjv‡`‡k e¨envh©|
L. cÖevmx evsjv‡`kx I Ab¨vb¨ RvZxqZvi Awbevmxiv
evsjv‡`‡k :
(1) UvKvq miKvwi †UªRvix e‡Û wewb‡qvM Ki‡Z
cv‡ib| Ab~¨b GK eQi aviY †k‡l wewb‡qv‡Mi Avmj
we‡`‡k Aev‡a cÖZ¨vevmb Kiv hvq, gybvdvi AsKI
Aev‡a we‡`‡k cÖZ¨vevmb‡hvM¨|
(2) evsjv‡`k miKv‡ii gvwK©b Wjvi wcÖwgqvg eÛ
I Bb‡f÷‡g›U e‡Û wewb‡qvM Ki‡Z cv‡ib| G¸‡jvi
Avmj Ges Bb‡f÷‡g›U e‡Ûi gybvdv Aev‡a we‡`‡k
cÖZ¨vevmb‡hvM¨, wcÖwgqvg e‡Ûi gybvdv UvKvq
evsjv‡`‡k e¨envh©|
(3) Aby‡gvw`Z wWjvi e¨vsK kvLvq Awbevmx UvKv
wewb‡qvM wnmve (NITA) Gi gva¨‡g ÷K G·‡P‡Ä
ZvwjKvfz³ †kqvi/ wmwKDwiwUR G wewb‡qvM Ki‡Z
cv‡ib; Gme wewb‡qv‡Mi Avmj I gybvdv Aev‡a
we‡`‡k cÖZ¨vevmb Kiv hvq|
9. ¯’vbxq Dr‡mi Znwej Awbevmx ˆe‡`wkK gy`ªv GKvD‡›U
Rgv Kiv hvq wK?
DËi: we‡`k †_‡K AvbxZ w¯’wZi Ici AwR©Z ˆea gybvdv
Qvov Ab¨wea ¯’vbxq Dr‡mi †Kvb Znwej Awbevmx ˆe‡`wkK
gy`ªv GKvD‡›U Rgv‡hvM¨ bq|
10. evsjv‡`‡k wbevmxiv ˆe‡`wkK gy`ªv GKvD›U cwiPvjbv
Ki‡Z cv‡ib wK?
DËi: K. we‡`k mdi †k‡l cÖZ¨vMZ wbevmxiv m‡½ Avbv
Ae¨eüZ ˆe‡`wkK gy`ªv Aby‡gvw`Z wWjvi e¨vs‡K wbevmx
ˆe‡`wkK gy`ªv Rgv wnmv‡e Rgv Ki‡Z cv‡ib; wnmv‡ei w¯’wZ
UvKvq bM`vqb QvovI cieZ©x‡Z we‡`k hvÎvi mgq
wnmveavix m‡½ wb‡q ev AvšÍÍR©vwZK †µwWU Kv‡W©i gva¨‡g
e¨envi Ki‡Z cv‡ib|
L. ißvwbKviK‡`i cÖZ¨vevwmZ ißvwb Av‡qi cÖ‡hvR¨
Ask Aby‡gvw`Z wWjvi e¨vs‡K ißvwbKvi‡Ki wi‡Ubkb †KvUv
GKvD‡›U Rgv ivLv hvq| G wnmv‡ei w¯’wZ ißvwbKvi‡Ki
e¨emvwqK we‡`k ågY ev Ab¨wea e¨emvwqK cÖ‡qvR‡b
ˆe‡`wkK gy`ªvq e¨envi Kiv hvq|
11. we‡`k †_‡K cvVv‡bv A‡_©i †¶‡Î evsjv‡`‡k cÖvc‡Ki
bv‡g e¨vsK GKvD›U _vKv eva¨Zvg~jK wK?
DËi: bv| Z‡e cÖvc‡Ki AbyK‚‡j mswk-ó WªvdU/wUwU/GgwUi
A_© evsjv‡`‡k Zdwmwj e¨vs‡Ki gva¨‡g msMÖn eva¨Zvg~jK|
12. Aby‡gvw`Z wWjvi bq Ggb e¨vsK kvLvq cÖvc‡Ki UvKv
GKvD‡›U we‡`k †_‡K A_© †cÖiY Kiv hvq wK?
DËi: nu¨v| cÖvc‡Ki wnmveavix e¨vsK kvLv mswk-ó †iwgU¨vÝ
†Kvb Aby‡gvw`Z wWjvi e¨vsK kvLv †_‡K UvKvq bM`vqb
K‡i †b‡e|
13. evsjv‡`‡k wbevmxiv e¨w³MZ ågY Lv‡Z Kx cwigvY
ˆe‡`wkK gy`ªv wKb‡Z cv‡ib?
DËi: gvqvbgvi Ges mvK©fz³ †`k¸‡jvq e¨w³MZ
åg‡Yi Rb¨ gv_vwcQy cÖwZ cwÄKve‡l© AbwaK
1500 gvwK©b Wjvi †Kbv hvq| we‡k¦i Ab¨vb¨ †`k åg‡Yi
Rb¨ cwÄKvel© cÖwZ gv_vwcQz AbwaK 5000 gvwK©b Wjvi µq‡hvM¨|
14. ˆe‡`wkK gy`ªvq µq‡hvM¨/D‡Ëvjb‡hvM¨ AsK bM` †bvU
AvKv‡i Qv‡oi †Kvb cwigvY mxgv Av‡Q wK?
DËi: gvwK©b Wjvi bM` †bvU AvKv‡i GKKvjxb
D‡Ëvjb/Qv‡oi cwigvYmxgv 2000 gvwK©b Wjvi| mgy`q
Qvo/D‡Ëvjb‡hvM¨ AsK Ab¨vb¨ ˆe‡`wkK gy`ªvq bM` †bvU
AvKv‡i †bqv hvq, Uªv‡fjvm© †PK/WªvdU AvKv‡iI mgy`q
Qvo/D‡Ëvjb‡hvM¨ AsK gvwK©b Wjvimn †h †Kvb ˆe‡`wkK
gy`ªvq †bqv hvq|
15. we‡`‡k PvKzix/Awfevmb BZ¨vw` m~‡Î GKgyLx wU‡K‡U
we‡`k hvÎvq evsjv‡`‡k wbevmx e¨w³i cÖvc¨ ˆe‡`wkK gy`ªv
KZ n‡e?
DËi : GKgyLx wU‡K‡U G ai‡bi we‡`k hvÎvq Ae¨eüZ ågY
†KvUvi cwigvY ˆe‡`wkK gy`ªv †Kbv hv‡e (†hgb-500
gvwK©b Wjvi Av‡M e¨envi n‡q _vK‡j cwÄKv e‡l©i Aewkó
Ae¨eüZ 4,500 gvwK©b Wjvi GKgyLx wU‡K‡U we‡`k hvÎvi
Rb¨ †Kbv hv‡e)|
16. e¨emvwqK/`vßwiK cÖ‡qvR‡b we‡`k åg‡Yi Rb¨
evsjv‡`‡k wbevmxiv ˆe‡`wkK gy`ªv µq Ki‡Z cv‡ib wK?
DËi : `vßwiK cÖ‡qvR‡b we‡`k åg‡Yi Rb¨ miKvwi I
¯^vqËkvwmZ Lv‡Zi Kg©KZ©viv miKvi wba©vwiZ nv‡i Ges
†ckvMZ/e¨emvwqK cÖ‡qvR‡b we‡`k åg‡Yi Rb¨ †emiKvwi
Lv‡Zi wbevmx e¨w³iv gv_vwcQy ˆ`wbK AbwaK 250 gvwK©b Wjvi
nv‡i ˆe‡`wkK gy`ªv µq Ki‡Z cv‡ib (gvqvbgvi Ges mvK©
†`k¸‡jvi Rb¨ cÖ‡hvR¨ gvÎv ˆ`wbK AbwaK 200 gvwK©b Wjvi)|
17. ågY‡KvUv eve` cÖv‡c¨i cy‡iv AsK jvB‡mÝavix
gvwb‡PÄvi †_‡K ev Aby‡gvw`Z wWjvi e¨vsK †_‡K †Kbv hvq
wK?
DËi : jvB‡mÝavix gvwb‡PÄvi ågY‡KvUv eve` cÖvc¨ †_‡K
hvÎx cÖwZ AbwaK 1,000 gvwK©b Wjvi wewµ Ki‡Z cv‡i|
Aby‡gvw`Z wWjvi e¨vsK kvLv ågY‡KvUv eve` Qvo‡hvM¨
m¤ú~Y© AsKB wewµ Ki‡Z cv‡i|
18. evsjv‡`‡k wbevmx‡`i we‡`‡k Aa¨q‡bi e¨qeve`
ˆe‡`wkK gy`ªv †Kbv hvq wK?
DËi : nu¨v| we‡`‡k fvlv wk¶v †Kvm©mn ¯^xK…Z mycwiwPZ
wk¶v cÖwZôv‡b †ckvMZ wW‡c-vgv, mvwU©wd‡KU †Kvm© Ges
¯œvZK/¯œvZ‡KvËi ch©v‡q Aa¨q‡bi wd/†eZb I we‡`‡k _vKv
LvIqvi LiPeve` ˆe‡`wkK gy`ªv (we‡`kx wk¶v cÖwZôv‡bi
Rvbv‡bv e¨q cÖv°jb †gvZv‡eK) Aby‡gvw`Z wWjvi e¨vsK
†_‡K †Kbv hvq| `~iwk¶Y/¯‹zj ch©v‡q Aa¨qb ev Ab¨vb¨
e¨wZµgx e¨e¯’vq cov‡kvbv eve` ˆe‡`wkK gy` ªv Qvo
evsjv‡`k e¨vs‡Ki c~e© AbygwZ mv‡c¶|
19. we‡`‡k wPwKrmv e¨qeve` evsjv‡`‡k wbevmxiv ˆe‡`wkK
gy`ªv wKb‡Z cv‡ib wK?
DËi : n¨uv| we‡`kx wPwKrmv cÖwZôv‡bi †`qv e¨q cÖv°jb
†gvZv‡eK AbwaK 10,000 gvwK©b Wjvi cwigvY ˆe‡`wkK
gy`ªv Aby‡gvw`Z wWjvi e¨vsK †_‡K †Kbv hvq, Gi †ewk gvÎvi
ˆe‡`wkK gy`ªv Qvo evsjv‡`k e¨vs‡Ki c~e© AbygwZ mv‡c¶|
20. †Kvb& †Kvb& ai‡bi ˆe‡`wkK gy`ªv cÖvc¨Zvi wecix‡Z
AvšÍR©vwZK †µwWU KvW© e¨envi Kiv hvq?
DËi : evwl©K e¨w³MZ ågY †KvUv, ißvwbKviK‡`i wi‡Ubkb
†KvUv wnmv‡ei w¯’wZ, miKvwi I †emiKvwi Lv‡Z `vßwiK ev
†ckvMZ cÖ‡qvR‡b åg‡Yi Rb¨ Qvo‡hvM¨ AsK, nR¡ Dcj‡¶
nR¡ †KvUv Ges wbevmx ˆe‡`wkK gy` ªv wnmv‡ei w¯’wZi
wecix‡Z AvšÍÍR©vwZK †µwWU KvW© evsjv‡`‡k Aby‡gvw`Z
wWjvi e¨vsK †_‡K msMÖn I e¨envi Kiv hvq|
21. we‡`kMvgxiv evsjv‡`k Z¨vMKv‡j Ges we‡`k †_‡K
AvMZiv evsjv‡`‡k Avmvi mgq evsjv‡`k UvKvq Kx cwigvY
AsK m‡½ ivL‡Z cv‡i?
DËi : AbwaK `yB nvRvi UvKv|
22. evsjv‡`‡k AvMZ Awbevmxi m‡½ Avbv ˆe‡`wkK gy`ªv
UvKvq fv½v‡bvi ci ˆe‡`wkK gy`ªvq cybtiƒcvšÍi Kiv hvq wK?
DËi : †h gvwb‡PÄvi/Aby‡gvw`Z wWjv‡ii Kv‡Q ˆe‡`wkK gy`ªv
UvKvq fv½v‡bv n‡qwQj ïaygvÎ †mB gvwb‡PÄvi/Aby‡gvw`Z
wWjvi †_‡K Ae¨wqZ UvKvi AsK ˆe‡`wkK gy`ªvq cybtiƒcvšÍÍi
K‡i mswk-ó Awbevmx evsjv‡`k Z¨vMKv‡j m‡½ wb‡Z cv‡ib|
gvwb‡PÄv‡ii †ejvq cybtiƒcvšÍwÍ iZ ˆe‡`wkK gy`ªvi AsK 500
gvwK©b Wjv‡ii †ewk n‡e bv|
23. we‡`‡k Awfevmb Av‡e`‡bi wd BZ¨vw` eve`
evsjv‡`‡k wbevmxiv ˆe‡`wkK gy`ªv wKb‡Z cv‡ib wK?
DËi : we‡`kx Awfevmb KZ…©c¶ hvwPZ mb`cÎ g~j¨vqb wd,
Bwg‡MÖkb wfmv wd I ivBU Ae j¨vwÛs wd eve` ˆe‡`wkK
gy`ªv Aby‡gvw`Z wWjvi e¨vsK †_‡K µq I †cÖiY Kiv hvq|
24. evsjv‡`‡k wbevmxiv ¯’vei m¤úwË weµqjä UvKv
ˆe‡`wkK gy`ªvq we‡`‡k cvVv‡Z cv‡ib wK?
DËi : bv, evsjv‡`k UvKv g~jabx Lv‡Z AvšÍÍR©vwZK
†jb‡`‡bi Rb¨ Aeva iƒcvšÍÍi‡hvM¨ †NvwlZ nqwb|
25. we‡`‡k cÖZ¨¶ ev †cvU©‡dvwjI wewb‡qvM evsjv‡`‡k
wbevmx‡`i Rb¨ Db¥y³ wK?
DËi : bv | 24 bs µwg‡Ki Dˇi DwjøwLZ Kvi‡Y|
26. evsjv‡`‡k wbevmxiv we‡`k †_‡K Aev‡a FY/AvMvg
wb‡Z cv‡ib wK?
DËi : bv| Z‡e evsjv‡`‡k wbevmxiv †`‡k wkí D‡`¨vM
A_©vq‡bi Rb¨ wewb‡qvM †ev‡W©i c~e© Aby‡gv`bµ‡g we‡`k
†_‡K ga¨ ev `xN©‡gqv`x FY wb‡Z cv‡ib|
27. we‡`‡k emevmiZ evsjv‡`kx I Ab¨vb¨ RvZxqZvi
Awbevmxiv evsjv‡`‡ki e¨vsK ev Avw_©K cÖwZôvb †_‡K FY
wb‡Z cv‡ib wK?
DËi : bv | 24 bs µwg‡Ki Dˇi DwjøwLZ Kvi‡Y|

DwjøwLZ Z‡_¨i AwZwi³ †Kvb Z_¨ ev e¨vL¨vi cÖ‡qvRb n‡j

†hvMv‡hvM Kiæb: gnve¨e¯’vcK, ˆe‡`wkK gy` ªv bxwZ wefvM,
evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv| †dvb : 7120668,
7120375, d¨v· : 7120660, 9566212|