11) BFIU Master Circular-10, 28.12.2014 PDF

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AbymiYxq weavbmg~n m¤úwK©Z gv÷vi mvKz©jvi|
gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I mš¿vm we‡ivax AvBb, 2009 (2012 I 2013 mv‡ji ms‡kvabxmn) Gi
D‡Ïk¨ c~iYK‡í Ges D³ AvBb I D³ AvB‡bi AvIZvq RvixK…Z wewagvjvi mswkøó weavbvejx cwicvj‡b
evsjv‡`‡ki mKj Zdwmjx e¨vs‡Ki Rb¨ AbymiYxq wbgœewY©Z wb‡`©kbvmg~n gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi
23(1)(N) Ges mš¿vm we‡ivax AvBb, 2009 Gi 15(1)(R) avivq cÖ`Ë ÿgZv e‡j Rvix Kiv n‡jv t
1| cwicvjb KvVv‡gvt
1.1 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv t
gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb`Û, †`‡k we`¨gvb AvBb, wewagvjv I evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD)-Gi wb‡`©kbvejxi mgš^‡q cÖwZwU e¨vs‡Ki wbR¯^ bxwZgvjv _vK‡e
hv Zv‡ì cwiPvjbv cl©` ev cÖ‡hvR¨ †ÿ‡Î e¨vs‡Ki m‡ev©”P eë¯’vcbv KwgwU KZ©„K Aby‡gvw`Z n‡e| D³ bxwZgvjv
mswkøó mK‡ji AeMwZ‡Z Avb‡Z n‡e| e¨vsK mgq mgq bxwZgvjvwU ch©v‡jvPbv Ki‡e Ges cÖ‡qvRbxq †ÿ‡Î
ms‡kvab/cwigvR©b Ki‡e|
1.2 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a A½xKvi †NvlYv t

e¨vs‡Ki cÖavb wbe©vnx evrmwiK wfwË‡Z e¨vs‡Ki mKj wefv‡Mi Kg©KZ©v/Kg©Pvix‡ì D‡Ï‡k¨ gvwbjÛvwis Ges
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a my¯úó I Kvh©Ki A½xKvi †NvlYv Ki‡eb Ges A½xKvi ev¯Íevq‡b h_vh_ wb‡`©kbv
cÖ`vb Ki‡eb|
1.3 ‡K›`ªxq cwicvjb BDwbU (Central Compliance Unit) t
(1) e¨vswKs LvZ‡K gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK SzuwK n‡Z gy³ ivLvi Rb¨ Ges
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv Ges weGdAvBBD KZ©„K mgq
mgq RvixK…Z wb‡`©kbvejx h_vh_fv‡e cwicvjbv‡_©-
1
(K) cÖwZwU e¨vsK GKRb EaŸ©Zb Kg©KZ©vi †bZ…‡Z¡ cÖavb Kvh©vj‡q GKwU Ô‡K›`ªxq cwicvjb BDwbUÕ
(Central Compliance Unit) cªwZôv Ki‡e hv mivmwi e¨vs‡Ki eë¯’vcbv cwiPvjK ev cÖavb wbe©vnx
Kg©KZ©v KZ©„K ZË¡veavb Ki‡Z n‡e| DwjøwLZ ÔEaŸ©Zb Kg©KZ©vÕ cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb
Kg©KZ©v (Chief Anti Money Laundering Compliance Officer-CAMLCO) bv‡g AwfwnZ
n‡eb| G‡ÿ‡Î ÔEaŸ©Zb Kg©KZ©vÕ ej‡Z e¨vs‡Ki eë¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi bx‡Pi
2(`yB) avc ch©šÍ c`gh©v`vi Kg©KZ©vMY we‡ewPZ n‡eb| Z‡e we‡`kx e¨vs‡Ki †ÿ‡Î D³ EaŸ©Zb
Kg©KZ©v‡K Aek¨B m‡ev©”P eë¯’vcbv KwgwUi (Management Committee) m`m¨ n‡Z n‡e| cÖavb
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v cwiewZ©Z n‡j Awej‡¤^ wjwLZfv‡e weGdAvBBD-‡K AewnZ
Ki‡Z n‡e| cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K e¨vs‡Ki Ab¨ †Kvb `vwqZ¡ Ac©‡bi c~‡e©
eë¯’vcbv KZ©„cÿ‡K wbwðZ n‡Z n‡e †h Gi d‡j e¨vsKwUi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
welqK Kvh©μg wewNœZ n‡e bv|
(L) ‡K›`ªxq cwicvjb BDwbU G Dc-cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v wn‡m‡e b~¨bZg
ÔmnKvix gnveë¯’vcKÕ A_ev ÔfvBm †cÖwm‡W›UÕ A_ev mgc`gh©v`vi GK ev GKvwaK Kg©KZ©v‡K g‡bvbqb
cÖ`vb Kiv hv‡e|
(M) cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v I Dc-cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb
Kg©KZ©vi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD
KZ©„K mgq mgq RvixK…Z wb‡`©kbvejx I GZ`&wel‡q AvšÍR©vwZK gvb`Ûmg~‡ni Dci mg¨K aviYv _vK‡Z
n‡e|
(2) ‡K›`ªxq cwicvjb BDwbU b~¨bZg 5(cuvP) m`m¨ wewkó n‡Z n‡e hv cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb
Kg©KZ©v I Dc-cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vmn e¨vs‡Ki EaŸ©Zb ch©v‡qi Kg©KZ©vM‡Yi
mgš^‡q MwVZ n‡e| Zb¥‡a¨, 2(`yB) Rb m`m¨ e¨vs‡Ki ‡Rbv‡ij e¨vswKs I Bbdi‡gkb †UK‡bvjwR wefvM
n‡Z g‡bvbxZ Ki‡Z n‡e| Z‡e Af¨šÍixY wbixÿv wefv‡M Kg©iZ †Kvb Kg©KZ©v ‡K›`ªxq cwicvjb BDwbU Gi
m`m¨ n‡eb bv| ‡K›`ªxq cwicvjb BDwbU I Af¨šÍixY wbixÿv wefvM m¤ú~Y© c„_K `yBwU BDwbU ev wefvM
wn‡m‡e gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK Kvh©μg m¤úv`b Ki‡e|
(3) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨vsK cÖvwZôvwbK †KŠkj I Kg©m~Px wba©viY Ki‡e Ges mgq
mgq Zv ch©v‡jvPbv Ki‡e| ‡K›`ªxq cwicvjb BDwbU gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kg©m~Pxi
ev¯Íevqb wbwðZ Ki‡e|
(4) †K›`ªxq cwicvjb BDwbU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q e¨vs‡Ki M„nxZ c`‡ÿc,
Gwel‡q ev¯Íevqb AMÖMwZ I mycvwik m¤^wjZ cÖwZ‡e`b lvb¥vwmK wfwË‡Z (Rvbyqvwi-Ryb, RyjvB-wW‡m¤î)
e¨vs‡Ki cÖavb wbe©vnxi AeMwZ I wb‡`©kbvi Rb¨ `vwLj Ki‡e| D³ cÖwZ‡e`‡b G mvKz©jv‡ii 8.3(1) G ewY©Z
welqmg~nmn gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q weGdAvBBD KZ…©K †Kvb eë¯’v M„nxZ n‡q
_vK‡j Zv AšÍfz©³ Ki‡Z n‡e| cÖavb wbe©vnxi wb‡`©kbv I gZvgZmn cÖwZ‡e`bwU e¨vsKwUi cwiPvjbv cl©` ev
m‡e©v”P eë¯’vcbv KwgwUi mfvq Dc¯’vcb Ki‡Z n‡e Ges cÖwZ‡e`bwUi GKwU Kwc mswkøó lvb¥vwmK †kl
nIqvi 2(`yB) gv‡mi g‡a¨ weGdAvBBD eive‡i †cÖiY Ki‡Z n‡e|
(5) ‡K›`ªxq cwicvjb BDwbU wb‡¤œ DwjøwLZ 1.4 Aby‡”Q‡ì wb‡`©kbv †gvZv‡eK kvLv ch©v‡q cwicvjb Kg©KZ©v
g‡bvbq‡bi gva¨‡g Af¨šÍixY cwiexÿY I wbqš¿Y eë¯’v cªwZôv Ki‡e| G‡ÿ‡Î wbw`©ó Kg©KZ©v‡K
g‡bvbqbc~e©K g‡bvbxZ Kg©KZ©v‡K Zuvi `vwqZ¡mg~n wjwLZfv‡e AewnZ Ki‡e|
2
(6) †K›`ªxq cwicvjb BDwbU kvLvmg~‡ni Rb¨ AbymiYxq wb‡`©kbvejx Rvix Ki‡e †hLv‡b gvwbjÛvwis I
mš¿v‡m A_©vqb cÖwZ‡iv‡a †jb‡`b cwiexÿY eë¯’v, Af¨šÍixY wbqš¿Y eë¯’v, bxwZ I c×wZmg~n AšÍfz©³
_vK‡e|
1.4 kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v t
(1) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡`©kbvejx
Ges e¨vs‡Ki wbR¯^ bxwZgvjv ev¯Íevq‡bi Rb¨ e¨vsK cÖwZwU kvLvq GKRb AwfÁ kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZv© (Branch Anti Money Laundering Compliance Officer-BAMLCO) g‡bvbxZ
Ki‡e|
(2) kvLv eë¯’vcK, kvLvi wØZxq Kg©KZ©v A_ev ‡Rbv‡ij e¨vswKs G AwfÁ EaŸ©Zb Kg©KZ©v‡K kvLv
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© wn‡m‡e g‡bvbxZ Ki‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb
Kg©KZ©vi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi mKj
wb‡`©kbv Ges e¨vs‡Ki wbR¯^ bxwZgvjvi wel‡q mg¨K aviYv _vK‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb
Kg©KZv©i g‡bvbqbc‡Î Zvi Kg©©cwiwa Ges `vq `vwqZ¡ mywbw`©ófv‡e D‡jøL _vK‡Z n‡e|
(3) kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó ¸iæZ¡c~Y© Kg©KZ©v‡ì wb‡q ˆÎgvwmK
wfwË‡Z gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mfv Ki‡eb Ges D³ mfvq wb‡¤œv³ welqmg~nmn
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv Ges weGdAvBBD Gi Ab¨vb¨
wb‡`©kbvi cwicvjb ch©v‡jvPbvc~e©K h_vh_ eë¯’v MÖnY Ki‡eb t
MÖvnK cwiwPwZ (KYC)
‡jb‡`b gwbUwis
m‡›`nRbK †jb‡`b ev Kvh©μg wPwýZKiY I wi‡cvwU©s
‡iKW© msiÿY
cÖwkÿY
1.5 †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~‡ni Rb¨ KiYxq t
†h mKj e¨vsK †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ †m mKj e¨vsK D³ Kvh©μg
cwiPvjbvi †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SuywK wbimbK‡í GKwU Kvh©Ki wbqš¿Y eë¯’v cÖwZôv Ki‡e|
Z‡e, e¨vs‡Ki †Kvb mvewmwWqvixi gva¨‡g †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μg cwiPvwjZ n‡j
Ges D³ mvewmwWqvix gvwbjÛvwis cÖwZ‡iva AvBb, 2012 ev mš¿vm we‡ivax AvBb, 2009 Gi AvIZvq wi‡cvU©
cÖ`vbKvix ms¯’v wn‡m‡e AšÍf©y³ n‡e Ges mswkøó mvewmwWqvix gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SuywK wbimbK‡í
¯^Zš¿ cwicvjb KvVv‡gv I wbqš¿Y eë¯’v cÖwZôv Ki‡e| G‡ÿ‡Î e¨vsK mvewmwWqvixi cwicvjb KvVv‡gv I wbqš¿Y
eë¯’v wbwðZ Ki‡e|
‡gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n KZ©„K G‡R›U ev K¨vk c‡q›U
wb‡qv‡Mi †ÿ‡Î h_vh_ hvPvB/evQvB cÖwμqv (Screening Mechanism) AbymiY Ki‡Z n‡e| G‡ÿ‡Î K¨vk
c‡q›U/G‡R›U KZ…©K gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb welqK Kvh©μ‡gi Rb¨ mswkøó †mev`vbKvix e¨vsKmg~‡ni
Dci mgfv‡e `vqfvi eZ©v‡e|
2| MÖvnK wbe©vPb bxwZgvjv t
MÖvnK wbe©vP‡bi †ÿ‡Î cÖwZwU e¨vs‡Ki GKwU mywbw`©ó bxwZgvjv _vK‡Z n‡e| D³ bxwZgvjvq Ab¨vb¨ wel‡qi mv‡_
Avewk¨Kfv‡e wb‡gœv³ welqmg~n AšÍfz©³ _vK‡e t
3
(1) ‡ebv‡g ev QÙbv‡g ev ïaygvÎ b¤îhy³ ‡Kvb MÖvn‡Ki wnmve †Lvjv hv‡e bv |
(2) Shell Bank Gi mv‡_ †Kvb ai‡Yi e¨vswKs m¤úK© ¯’vcb Kiv hv‡e bv| G‡ÿ‡Î Shell Bank ej‡Z
Hme e¨vsK‡K eySv‡e hviv †h‡`‡k wbewÜZ †m‡`‡k Zv‡ì †Kvb kvLv ev Kvh©μg ‡bB Ges †Kvb wbqwš¿Z
Avw_©K MÖæc (Regulated Financial Group) Gi Awafy³ bq |
(3) RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm I mš¿vmxKv‡h© A_©vq‡b RwoZ m‡›`‡n
ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi
‡Kvb wnmve †Lvjv hv‡e bv ev cwiPvjbv Kiv hv‡e bv| RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi
AvIZvq ZvwjKvfy³ e¨w³ ev mËv ej‡Z mš¿vm we‡ivax wewagvjv, 2013 Gi 2 (Q) bs wewa‡Z msÁvwqZ
†iRyjyk‡bi AvIZvq ZvwjKvfz³ e¨w³ ev mËv‡K eySv‡e| GB ZvwjKvmg~n
http://www.un.org/sc/committees/index.shtml ev http://www.bb.org.bd/aboutus/
dept /bfiu/sanction_list.php I‡qewjsK n‡Z msMÖn Kiv hv‡e| evsjv‡`k miKvi KZ©„K ZvwjKvfy³
‡Kvb e¨w³ ev wbwl× †NvwlZ mËv ej‡Z mš¿vm we‡ivax AvBb, 2009 Gi 18 b¤î avivq cÖ`Ë ÿgZve‡j
evsjv‡`k miKvi KZ©„K mg‡q mg‡q miKvwi †M‡RU cªÁvcb Øviv Zdwmjfz³ ‡Kvb e¨w³ ev mËv‡K eySv‡e|
(4) Awbevmx evsjv‡`kx‡ì wnmve †Lvjvi †ÿ‡Î Foreign Exchange Regulation Act, 1947 Gi
weavbvejx I Gi AvIZvq evsjv‡`k e¨vsK KZ…©K RvixK…Z wb‡`©kbvmg~n AbymiYxq n‡e|
3| MÖvnK cwiwPwZ t
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Ges e¨vswKs LvZ‡K G welqK SzuwK n‡Z gy³ ivLvi Rb¨ MÖvnK
cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e| e¨vswKs eë¯’v hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi SzuwKi
m¤§yLxb bv nq Zv wbwðZ Kivi Rb¨ cÖwZwU e¨vsK‡K MÖvn‡Ki h_vh_ cwiwPwZ MÖnY Ges hvPvB cÖwμqv(Know
Your Customer-KYC) m¤úv`b Ki‡Z n‡e|
3.1 MÖvn‡Ki msÁv t
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK eë¯’vcbvq MÖvnK cwiwPwZ I hvPvB cÖwμqvi ‡ÿ‡Î MÖvnK ej‡Z wb‡gœv³
e¨w³ ev mËv‡K eySv‡e t
(1) e¨vs‡Ki mv‡_ †Kvbiƒc wnmve msiÿY K‡i ev e¨vsK Gi mv‡_ †Kvbiƒc eëmvwqK m¤úK© i‡q‡Q Ggb †h
†Kvb e¨w³ ev mËv;
(2) wnmve ev eëmvwqK m¤ú‡K©i cÖK…Z myweav‡fvMx (Beneficial Owner) Z…Zxq †Kvb e¨w³ ev mËv hvi
c‡ÿ wnmve cwiPvwjZ nq;
(3) we`¨gvb AvBbx KvVv‡gvi AvIZvq wnmve cwiPvjbvKvix †Kvb †ckv`vi ga¨¯’ZvKvix KZ©„K cwiPvwjZ
wnmve ev †jb‡`‡bi cÖK…Z myweav‡fvMx; Ges
(4) †Kvb e¨w³ ev cÖwZôvb KZ©„K GKK †jb‡`‡b msNwUZ AwaK g~‡jï wWgvÛ WÖvdU, †c-AW©vi, †UwjMÖvwdK
UªvÝdvi ev cÖwZôv‡bi mybvg Ges Ab¨ ‡Kvb SzuwK m„wó Ki‡Z cv‡i Ggb Avw_©K †jb‡`‡bi †ÿ‡Î mswkøó e¨w³
ev mËv| G‡ÿ‡Î mswkøó e¨w³ ev cÖwZôv‡bi ¯^vfvweK †jb‡`b Gi Zzjbvq †Kvb †jb‡`b A¯^vfvweK cÖZxqgvb
n‡j Zv ÔAwaK g~‡jïÕ e‡j we‡ewPZ n‡e|
4
3.2 Customer Due Diligence t
(1) Customer Due Diligence (CDD) ej‡Z wbf©i‡hvM¨ I ¯^vaxb Drm n‡Z cÖvß Z_¨, DcvË I
`wjjvwì wfwË‡Z MÖvn‡Ki cwiwPwZ hvPvBKiY I mbv³KiYmn wnmv‡ei †jb‡`b gwbUwis Kiv‡K eySv‡e|
D‡jøL¨ †h, MÖvn‡Ki h_vh_ cwiwPwZ MÖnY Ges hvPvBKiY (KYC), CDD cÖwμqvi GKwU Ask|
(2) MÖvn‡Ki SzuwK we‡ePbvq wb¤œewY©Z wewfbœ ch©v‡q CDD m¤úv`b Ki‡Z n‡e-
(K) MÖvn‡Ki mv‡_ m¤úK© ¯’vc‡bi mgq;
(L) we`¨gvb MÖvn‡Ki mv‡_ Avw_©K †jb‡`b msNU‡bi mgq ;
(M) hLb m‡›`n Kivi h‡_ó KviY _vK‡e †h B‡Zvc~‡e© MÖvn‡Ki cwiwPwZi mc‡ÿ †h Z_¨ ev `wjjvw`
msMÖn Kiv n‡q‡Q Zv ch©vß bq ev mwVK bq; Ges
(N) ‡Kvb †jb‡`b gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi mv‡_ RwoZ Giƒc m‡›`n n‡j|
(3) MÖvn‡Ki cwiwPwZ Ges e¨vs‡Ki mv‡_ m¤úK© ¯’vc‡bi AšÍwb©wnZ D‡Ïk¨ m¤ú‡K© wbwðZ nIqvi Rb¨ cÖ‡Z¨K
e¨vsK Zv‡ì mš‘wó mv‡c‡ÿ ch©vß Z_¨ msMÖn Ki‡e| Òe¨vs‡Ki mš‘wó mv‡c‡ÿÓ ej‡Z we`¨gvb wb‡`©kbvi
Av‡jv‡K MÖvn‡Ki SuzwK we‡ePbvq wb‡q cÖ‡qvRbxq Z_¨, DcvË I `wjjvw` msMÖnc~e©K CDD m¤úbœ Kiv n‡q‡Q
g‡g© h_vh_ KZ©„cÿ‡K mš‘ó Kiv‡K eySv‡e|
(4) hw` MÖvn‡Ki c‡ÿ Ab¨ †Kvb e¨w³ wnmve cwiPvjbv K‡i †m‡ÿ‡Î D³ e¨w³ h_vh_fv‡e ÿgZvcÖvß wKbv
Zv wbwðZ n‡q Zvi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e |
(5) Uªvw÷ I †ckv`vi ga¨¯’ZvKvix KZ©„K MÖvn‡Ki c‡ÿ cwiPvwjZ wnmv‡ei †ÿ‡Î Zv‡ì AvBbMZ Ae¯’vb
ch©v‡jvPbv I Zvi h_v_©Zv wbiƒcYc~e©K mswkøó mK‡ji cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e |
(6) †hme †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y©
NvUwZ i‡q‡Q (‡hgb t dvBb¨vwÝqvj A¨vKkb Uv¯‹‡dv‡m©i cvewjK WKz‡g‡›U High Risk and Non-
Cooperative Jurisdictions wn‡m‡e ZvwjKvfy³ †`k) †mme †`‡ki †Kvb e¨w³ ev mËvi (AvBbMZ
cÖwZwbwa, Avw_©K cÖwZôvbmn †h †Kvb cÖwZôvb) mv‡_ eëmvwqK m¤úK© ¯’vcb I eRvq ivLv Ges †jb‡`b
m¤úv`‡bi ‡ÿ‡Î AwaKZi mZK©Zvg~jK Enhanced Due Diligence m¤úbœ Ki‡Z n‡e|
(7) wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner) mbv³KiYc~e©K e¨vs‡Ki mš‘wó mv‡c‡ÿ wbf©i‡hvM¨
m~Î n‡Z msM„nxZ Z‡_ï wfwË‡Z wb‡¤œv³ †ÿ‡Î cwiwPwZ wbwðZ Ki‡Z n‡e t
(K) hw` ‡Kvb MÖvnK Ab¨ ‡Kvb e¨w³i c‡ÿ wnmve cwiPvjbv K‡i, ‡m †ÿ‡Î MÖvnK QvovI D³ e¨w³i
cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e;
(L) hw` †Kvb e¨w³ †Kvb MÖvnK‡K wbqš¿Y K‡i †m †ÿ‡Î D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨
msMÖn I msiÿY Ki‡Z n‡e; Ges
(M) ‡Kv¤úvbxi †ÿ‡Î wbqš¿YKvix †kqvi †nvìvi A_ev 20% ev Z`~aŸ© GKK †kqvi †nvìvi‡K
wnmv‡ei cÖK„Z myweav‡fvMx we‡ePbvq Zvi/Zv‡ì cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z
n‡e|
5
3.3 Customer Due Diligence m¤úv`b Kiv m¤¢e bv n‡j e¨vs‡Ki KiYxq t
MÖvn‡Ki Amn‡hvwMZvc~Y© AvPi‡Yi Kvi‡Y A_ev MÖvn‡Ki wel‡q msM„nxZ Z_¨/DcvË wbf©i‡hvM¨ bv n‡j A_©vr
MÖvnK cwiwPwZi m‡šÍvlRbK Z_¨ cÖvwß Ges Zv hvPvB mv‡c‡ÿ CDD m¤úv`b Kiv m¤¢e bv n‡j e¨vsK wb¤œiƒc
eë¯’v MÖnY Ki‡et
(1) e¨vsK D³iƒc MÖvn‡Ki wnmve Lyj‡e bv A_ev cÖ‡qvR‡b we`¨gvb wnmve eÜ K‡i w`‡e|
(2) we`¨gvb Giƒc wnmve eÜ Kivi ‡ÿ‡Î EaŸ©Zb KZ©„c‡ÿi Aby‡gv`b MÖnY Ki‡Z n‡e Ges wnmve eÜ Kivi
c~‡e© wnmve eÜKi‡Yi KviY e¨vL¨vc~e©K MÖvnK‡K †bvwUk cÖ`vb Ki‡Z n‡e |
(3) †ÿÎgZ Giƒc MÖvn‡Ki wel‡q m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡Z n‡e|
3.4 MÖvn‡Ki wnmve cwiPvjbv msμvšÍ wbqgvejx t
(1) cÖwZwU e¨vsK MÖvn‡Ki wnmve †Lvjvi †ÿ‡Î cwiwkó ÔKÕ G mshy³ wnmve †Lvjvi di‡gi Av‡jv‡K cÖYxZ
wbR¯^ dig eënvi Ki‡e| MÖvnK cwiwPwZ Ges Customer Due diligence (CDD) h_vh_fv‡e m¤úv`b
Kivi Rb¨ D³ wnmve †Lvjvi dig eënvic~e©K cÖ‡Z¨K e¨vsK Zvi MÖvn‡Ki cwiwPwZi mwVK I c~Y©v½ Z_¨
msMÖn Ki‡e Ges MÖvn‡Ki SuywK we‡ePbvq 3.2 Aby‡”Q‡` DwjøwLZ CDD m¤úbœ Kivi wbw`©ó mg‡qi g‡a¨
msM„nxZ Z‡_ï mwVKZv hvPvBmn CDD m¤úv`bc~e©K Z_¨ I `wjjvw` msiÿY Ki‡e| G‡ÿ‡Î e¨vsK
†Kvbμ‡gB cwiwkó ÔKÕ G mshy³ wnmve †Lvjvi di‡g DwjøwLZ Z‡_ï Kg Z_¨ msMÖn Ki‡e bv| Z‡e cÖ‡Z¨K
e¨vsK h_vh_fv‡e MÖvn‡Ki cwiwPwZ I CDD m¤úv`b Kivi D‡Ï‡k¨ e¨vs‡Ki mš‘wó mv‡c‡ÿ D³ di‡g ewY©Z
Z‡_ï AwZwi³ Z_¨ msMÖn Ki‡Z cvi‡e| Ôe¨vs‡Ki mš‘wó mv‡c‡ÿÕ Gi e¨vL¨v 3.2 (3) Aby‡”Q‡` cÖ`vb Kiv
n‡q‡Q|
(2) GKB e¨vs‡K GKB MÖvn‡Ki GKvwaK wnmve cwiPvwjZ n‡j MÖvnK cwiwPwZi cybive„wË cwinvi I †jb‡`b
gwbUwis Gi myweav‡_© e¨vsK D³ MÖvn‡Ki Rb¨ GKwU Unique Customer Identification Code (UCIC)
eivÏ Ki‡e| D³ UCIC MÖvnK‡K wPwýZ Ki‡Z mvnvh¨ Ki‡e, wbw`©ó MÖvnK†K e¨vsK KZ©„K Kx Kx †mev cÖ`vb
Kiv n‡”Q Zv wPwýZ (track) Ki‡Z mvnvh¨ Ki‡e Ges c~Y©v½fv‡e Avw_©K †jb‡`b gwbUwis-Gi †ÿ‡Î mnvqZv
Ki‡e|
(3) Walk-in Customer A_©vr wnmveavix MÖvnK e¨ZxZ Ab¨ Kv‡iv Aby‡iv‡a wUwU, GgwUi gva¨‡g A_©
†cÖi‡Yi †ÿ‡Î A_© †cÖiYKvix Ges cÖvc‡Ki c~Y©v½ I mwVK Z_¨, A_© †cÖi‡Yi D‡Ïk¨ Ges A‡_©i Dr‡mi Z_¨
msiÿY Ki‡Z n‡e| Walk-in Customer Gi Aby‡iv‡a wWwW ev †c-AW©vi Bmÿi †ÿ‡ÎI Av‡e`bKvix I
†ewbwdwmqvixi c~Y©v½ I mwVK Z_¨, A_© †cÖi‡Yi D‡Ïk¨ Ges A‡_©i Dr‡mi Z_¨ msiÿY Ki‡Z n‡e|
Òc~Y©v½ (complete)Ó ej‡Z †cÖiYKvix/Av‡e`bKvix Ges cÖvcK/‡ewbwdwmqvixi cwiwPwZ hvPvBK‡í
cÖ‡qvRbxq mKj Z‡_ï mwbœ‡ek‡K eySv‡e| D`vniY¯îƒct †cÖiYKvix/Av‡e`bKvix Ges
cÖvcK/‡ewbwdwmqvixi bvg I we¯ÍvwiZ wVKvbv, e¨vsK wnmve b¤î (hw` _v‡K), cvm‡cvU©/RvZxq
cwiPqcÎ/Rb¥ wbeÜb mb`/MÖnY‡hvM¨ cwiwPwZg~jK Qwehy³ AvBwW KvW©, ‡dvb/‡gvevBj b¤î BZ¨vw`|
ÒmwVK (Accurate)Ó ej‡Z c~Y©v½ Giƒc Z_¨‡K eySv‡e hvi mwVKZv hvPvB Kiv n‡q‡Q|
Walk-in Customer Gi †ÿ‡Î $ 5,000/-(cuvP nvRvi) ev Gi bx‡Pi As‡Ki †jb‡`‡bi †ÿ‡Î
†cÖiYKvix/Av‡e`bKvix I cÖvcK/‡ewbwdwmqvixi bvg I wVKvbv Ges †cÖiYKvix/Av‡e`bKvixi †Uwj‡dvb b¤î
msMÖn Ki‡Z n‡e|
6
(4) wnmveavix Mªvn‡Ki Aby‡iv‡a WªvdU/†c AW©vi Bmyï †ÿ‡ÎI cÖvc‡Ki c~Y©v½ I mwVK Z_¨ (3 b¤î
Aby‡”Q‡` ewY©Z msÁv Abyhvqx), A_© †cÖi‡Yi D‡Ïk¨ Ges A‡_©i Dr‡mi Z_¨ msiÿY Ki‡Z n‡e|
(5) AbjvBb Rgv ev D‡Ëvj‡bi †ÿ‡Î MÖvnK e¨ZxZ Ab¨ RgvKvix ev D‡ËvjbKvixi mwVK I c~Y©vsM Z_¨ (3
b¤î Aby‡”Q‡` ewY©Z msÁv Abyhvqx) msiÿY Ki‡Z n‡e| GQvov AbjvBb Rgvi †ÿ‡Î A‡_©i Dr‡mi Z_¨
msiÿY Ki‡Z n‡e|
(6) mKj K‡c©v‡iU/ †cÖvcÖvBUikxc cÖwZôv‡bi GK jÿ I Z`~aŸ© g~j¨gv‡bi Ges e¨w³ wnmv‡ei cuvP jÿ I
Z`~aŸ© g~j¨gv‡bi †PK cwi‡kv‡ai †ÿ‡Î evsjv‡`k e¨vs‡Ki wb‡`©kbv Abyhvqx ÒMÖvnK m¤§wZcÎÓ (Positive
Pay Instruction) Avewk¨Kfv‡e MÖnY Ges G msμvšÍ †iKW© msiÿY Ki‡Z n‡e|
(7) e¨vsK Mªvn‡Ki wnmv‡ei †jb‡`‡bi AbywgZ gvÎv (Transaction Profile) m¤ú‡K© MÖvn‡Ki †NvlYv
wba©vwiZ di‡g msMÖn Ki‡e| MÖvn‡Ki cÖK…wZ, wnmv‡ei A‡_©i Drm I †jb‡`‡bi aiY ch©v‡jvPbvc~e©K
eëmvwqK m¤úK© ¯’vc‡bi 6(Qq) gv‡mi g‡a¨ MªvnK KZ©„K m¤úvw`Z †jb‡`b ch©v‡jvPbvc~e©K ‡hŠw³K
we‡ePbvq Zvi h_v_©Zv wbiƒcYKiZt cÖ‡qvRbxq ms‡kvabx mv‡c‡ÿ †jb‡`‡bi AbywgZ gvÎv MÖvn‡Ki wbKU n‡Z
cybivq MÖnYc~e©K msiÿY Ki‡e|
(8) cÖwZwU e¨vsK wbw`©ó mgq AšÍi AšÍi MÖvn‡Ki cwiwPwZg~jK Z_¨ (KYC) nvjbvMv`Ki‡Yi †ÿ‡Î
cÖ‡qvRbxq eë¯’v MÖnY Ki‡e| wb¤œ SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î Giƒc cÖwμqv cÖwZ `yB eQi AšÍi AšÍi m¤úbœ
Ki‡Z n‡e| GQvov, D”P SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î Giƒc cÖwμqv GK eQi ci ci m¤úbœ Ki‡Z n‡e| Z‡e
MÖvn‡Ki cwiwPwZg~jK Z‡_ï †h †Kvb cwieZ©b AeMZ nIqvi mv‡_ mv‡_B Zv nvjbvMv` Ki‡Z n‡e| GQvov
wbw`©ó †Kvb cÖ‡qvRb Abyf~Z n‡j †h †Kvb mg‡qB MÖvn‡Ki cwiwPwZg~jK Z_¨ nvjbvMv` Ki‡Z n‡e|
nvjbvMv`K…Z Z‡_ï wfwË‡Z cybivq Awej‡¤^ Gme wnmv‡ei SuywK wbY©q Ki‡Z n‡e|
(9) GwcÖj 30, 2002 Zvwi‡Li c~‡e© †Lvjv †h mKj wnmv‡ei KYC cÖwμqv m¤úbœ Kiv m¤¢e nqwb †m mKj
wnmve ÔmyßÕ (Dormant) wn‡m‡e wPwýZ n‡e| myß wn‡m‡e wPwýZ G mKj wnmv‡e ïaygvÎ A_© Rgv Kiv hv‡e
wKš‘ D‡Ëvjb Kiv hv‡e bv| Z‡e MªvnK KZ©„K kvLv eë¯’vc‡Ki wbKU wjwLZ Av‡e`‡bi †cÖwÿ‡Z e¨vsK D³
Mªvn‡Ki KYC cÖwμqv m¤úbœ Ki‡j MÖvnK wnmvewU‡Z ¯^vfvweK †jb‡`b m¤úv`b Ki‡Z cvi‡eb| †K›`ªxq
cwicvjb BDwbU Giƒc myß wnmv‡ei Z_¨ msiÿY Ki‡e|
3.5 mkix‡i Abycw¯’Z ev `~ieZ©x Mªvn‡Ki ( Non face to face customer) †ÿ‡Î KiYxq t
e¨vsK Zv‡ì mkix‡i Abycw¯’Z ev `~ieZ©x MÖvnK‡K †mev cÖ`v‡bi †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi SzuwK
wbiƒcY Ges SzuwK wbim‡bi bxwZ I c×wZ cÖYqb Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e|
mkix‡i Abycw¯’Z ev `~ieZ©x MÖvnK ej‡Z H mKj MÖvnK‡K eySv‡e hviv e¨vsK kvLvq mkix‡i Dcw¯’Z bv n‡q
e¨vs‡Ki G‡R‡›Ui gva¨‡g ev wb‡Ri ‡ckv`vi cÖwZwbwai (AvBbRxex, GKvD›U¨v›U BZ¨vw`) gva¨‡g wnmve Ly‡j _v‡K
Ges cwiPvjbv K‡i _v‡K|
3.6 bZzb ‡mev ev cÖhyw³ MÖn‡Yi †ÿ‡Î KiYxq t
e¨vsK KZ©„K cÖhyw³ wbf©i bZzb †Kvb ‡mev ev c×wZ (†hgb, B›Uvi‡bU e¨vswKs, B‡jKUªwbK KvW© BZ¨vw`) cÖPjb ev
cÖPwjZ †mev ev c×wZi Dbœq‡bi †ÿ‡Î mswkøó e¨vsK D³ ‡mev ev c×wZi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK
wPwýZ Ki‡e, Zvi gvÎv wbiƒcY Ki‡e Ges Giƒc ‡mev ev c×wZ n‡Z m„ó SuywK †gvKv‡ejvi Rb¨ h_vh_ eë¯’v MªnY
Ki‡e|
7
3.7 Politically Exposed Persons (PEPs) Gi †ÿ‡Î KiYxq t
Politically Exposed Persons (PEPs) Gi wnmve ‡Lvjv I wnmve cwiPvjbvi †ÿ‡Î G mvK©yjv‡ii 3.2 b¤î
Aby‡”Q‡` ewY©Z wb‡`©kbv Abymi‡Yi cvkvcvwk wb‡gœi wb‡`©kbvmg~n AbymiY Ki‡Z n‡e t
K) e¨vsK‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx PEPs wKbv Zv wbav©iY Kivi Rb¨ SuywK eë¯’vcbv
c×wZ MÖnY Ki‡Z n‡e;
L) e¨vs‡Ki Dchy³ EaŸ©Zb KZ©„c‡ÿi Aby‡gv`b mv‡c‡ÿ Zv‡ì mv‡_ eëmvwqK m¤úK© ¯’vcb Ki‡Z n‡e;
M) ‡Kvb PEP Gi wnmv‡ei A_© ev m¤ú‡ì Drm Rvbvi Rb¨ h‡_vchy³ eë¯’v MÖnY Ki‡Z n‡e;
N) Zv‡ì wnmv‡ei †jb‡`b wbqwgZfv‡e gwbUi Ki‡Z n‡e; Ges
O) Foreign Exchange Regulation Act, 1947 I Gi AvIZvq evsjv‡`k e¨vsK KZ©„K RvixK…Z
Awbevmx‡ì wnmve †Lvjv msμvšÍ hveZxq wewaweavb h_vixwZ cwicvjb Ki‡Z n‡e|
Politically Exposed Persons (PEPs) ej‡Z Òindividuals who are or have been entrusted with
prominent public functions by a foreign country, for example Heads of State or of government,
senior politicians, senior government, judicial or military officials, senior executives of state
owned corporations, important political party officialsÓ ‡K eySv‡e|
PEPs Gi cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI Dc‡iv³
wb‡`©kbvmg~n cÖ‡hvR¨ n‡e|
G Aby‡”Q‡` DwjøwLZ ÔPEPsÕ wn‡m‡e †Kvb ga¨g ev Aa¯Íb (Middle ranking or more junior individuals)
ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|
3.8 cÖfvekvjx e¨w³i †ÿ‡Î KiYxq t

e¨vsK‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx cÖfvekvjx †Kvb e¨w³ wKbv Zv wba©viY Ki‡Z n‡e| G ai‡Yi
MÖvn‡Ki mv‡_ e¨vswKs m¤úK© SuywKc~Y© cÖZxqgvb n‡j Aby‡”Q` 3.7 Gi L n‡Z N μwg‡K ewY©Z wb‡`©kbv cwicvjb
Ki‡Z n‡e|
cÖfvekvjx e¨w³ ej‡Z Òindividuals who are or have been entrusted domestically with prominent
public functions, for example Head of State or of government, senior politicians, senior
government, judicial or military officials, senior executives of state owned corporations,
important political party officialsÓ ‡K eySv‡e|
cÖfvekvjx †Kvb e¨w³i †ÿ‡Î cÖ‡hvR¨ wb‡`©kbv Zv‡ì cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i
(close associates) ‡ÿ‡ÎI cÖ‡hvR¨ n‡e|
G Aby‡”Q‡` DwjøwLZ ÔcÖfvekvjx e¨w³Õ wn‡m‡e †Kvb ga¨g ev Aa¯Íb (Middle ranking or more junior
individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|
3.9 AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î KiYxq t

e¨vsK‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx †Kvb AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v wKbv
Zv wba©viY Ki‡Z n‡e| Gai‡Yi MÖvn‡Ki mv‡_ e¨vswKs m¤úK© SuywKc~Y© cÖZxqgvb n‡j Aby‡”Q` 3.7 Gi L n‡Z N
Ges cÖ‡hvR¨ †ÿ‡Î O μwg‡K ewY©Z wb‡`©kbv cwicvjb Ki‡Z n‡e|
8
AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v ej‡Z Òpersons who are or have been entrusted with a
prominent function by an international organization refers to members of senior management,
i.e. directors, deputy directors and members of the board or equivalent functionsÓ ‡K eySv‡e|
AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î cÖ‡hvR¨ wb‡`©kbv Zv‡ì cwiev‡ii m`m¨ I Zv‡ì mv‡_
wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI cÖ‡hvR¨ n‡e|
G Aby‡”Q‡` DwjøwLZ ÔAvšÍR©vwZK ms¯’vi cÖavbÕ ev ÔD”P ch©v‡qi Kg©KZ©vÕ wn‡m‡e †Kvb ga¨g ev Aa¯Íb (Middle
ranking or more junior individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|
3.10 K‡imc‡Û›U e¨vswKs (Correspondent Banking) Gi †ÿ‡Î KiYxq t
e¨vswKs eë¯’v hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡b eëüZ n‡Z bv cv‡i †mRb¨ AvšÍt‡`kxq K‡imc‡Û›U
e¨vswKs (Cross Border Correspondent Banking) m¤úK© ¯’vcb Ges Zv Ae¨vnZ ivLvi †ÿ‡Î wb‡gœi
wb‡`©kbvmg~n Avewk¨Kfv‡e cwicvjbxq n‡e t
(1) K‡imc‡Û›U e¨vswKs ‡mev cÖ`v‡bi c~‡e© cwiwkó ÔLÕ †gvZv‡eK Z_¨vw` msMÖnc~e©K K‡imc‡Û›U ev
†imc‡Û›U e¨vs‡Ki eëmv†qi cÖK…wZ m¤ú‡K© wbwðZ n‡q EaŸ©Zb eë¯’vcbv KZ©„c‡ÿi Aby‡gv`b MÖnY Ki‡Z
n‡e|
(2) K‡imc‡Û›U ev †imc‡Û›U e¨vsKwU mswkøó wbqš¿YKvix KZ©„cÿ KZ©„K Kvh©Kifv‡e Z`viK Kiv nq, G
e¨vcv‡i mš‘wó mv‡c‡ÿB †KejgvÎ †Kvb we‡`kx e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb Kiv hv‡e ev
eRvq ivLv hv‡e|
(3) †Kvb Shell Bank Gi mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb Kiv hv‡e bv ev eRvq ivLv hv‡e bv |
(4) †h me K‡imc‡Û›U ev †imc‡Û›U e¨vsK Shell Bank Gi mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb K‡i ev
wnmve msiÿY K‡i ev †mev cÖ`vb K‡i Zv‡ì mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb Kiv hv‡e bv ev eRvq
ivLv hv‡e bv| Shell Bank ej‡Z G mvK©yjv‡ii 2(2) Aby‡”Q‡` msÁvwqZ e¨vsK‡K eySv‡e|
(5) †hme †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y©
NvUwZ i‡q‡Q (‡hgb t dvBb¨vwÝqvj A¨vKkb Uv¯‹‡dv‡m©i cvewjK WKz‡g‡›U High Risk and Non-
Cooperative Jurisdictions wn‡m‡e ZvwjKvfy³ †`k) †mme †`‡ki e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs
m¤úK© ¯’vcb ev eRvq ivLvi e¨vcv‡i we‡kl mZK©Zv ev Enhanced Due Diligence Aej¤^b Ki‡Z n‡e|
Gme e¨vs‡Ki Beneficial Ownership Ges gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Zv‡ì bxwZ I
c×wZ m¤ú‡K© we¯ÍvwiZ Z_¨ msMÖn Ki‡Z n‡e |
(6) †h mKj †imc‡Û›U e¨vsK Zv‡ì MÖvnK‡ì‡K eëmv msμvšÍ †jb‡`b mivmwi m¤úv`b Kivi my‡hvM cÖ`vb
K‡i _v‡K (A_©vr Payable through accounts) Zv‡ì ‡ÿ‡Î wb‡¤œv³ eë¯’v MÖnY Ki‡Z n‡e t
(K) †imc‡Û›U e¨vsK KZ©„K h_vh_fv‡e MÖvn‡Ki CDD m¤úv`b Ki‡Z n‡e;
(L) K‡imc‡ÛU e¨vs‡Ki Aby‡iv‡ai †cÖwÿ‡Z †imc‡Û›U e¨vsK KZ©„K mswkøó MÖvn‡Ki CDD welqK Z_¨vw`
mieivn Kiv m¤¢e n‡e G welqwU wbwðZ n‡Z n‡e|
GLv‡b ÒPayable through accountsÓ ej‡Z ÒCorrespondent accounts that are used directly by
third parties to transact business on their own behalfÓ eySv‡e|
9
(7) G mvKz©jv‡i ewY©Z wb‡`©kbvejx we`¨gvb mKj K‡imc‡Û›U e¨vswKs m¤ú‡K©i †ÿ‡ÎI cÖ‡hvR¨ n‡e Ges GB
wb‡`©kbvi Av‡jv‡K we`¨gvb K‡imc‡Û›U e¨vswKs m¤úK©mg~n cybtg~j¨vqb Ki‡Z n‡e|
AvšÍt‡`kxq K‡imc‡Û›U e¨vswKs ej‡Z ‡h †Kvb GK e¨vsK (K‡imc‡Û›U) KZ©„K Ab¨ e¨vsK‡K (†imc‡Û›U)
e¨vswKs †mev cÖ`vb‡K eySv‡e| Giƒc e¨vswKs †mev ej‡Z †μwWU, wW‡cvwRU, Kv‡jKkb, wK¬qvwis, †c‡g›U, K¨vk
g¨v‡bR‡g›U, AvšÍR©vwZK Aq¨vi UªvÝdvi, wWgvÛ WªvdU& Gi Rb¨ Wªwqs A¨v‡iÄ‡g›U ev Abyiƒc Ab¨ †Kvb †mev
cÖ`vb‡K eySv‡e|
4| we‡`‡k Aew¯’Z e¨vsK kvLv I mvewmwWqvix cÖwZôvb Gi †ÿ‡Î KiYxq t
(1) cÖwZwU e¨vsK we‡`‡k Aew¯’Z Zv‡ì kvLv Ges mvewmwWqvix cÖwZôv‡bi †ÿ‡Î gvwbjÛvwis cÖwZ‡iva AvBb,
2012, mš¿vm we‡ivax AvBb, 2009 I D³ AvB‡bi AvIZvq RvixK…Z wewagvjvq ewY©Z weavbvejx Ges
weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡`©kbvejxi h_vh_ cwicvjb wbwðZ Ki‡e|
(2) we‡`‡k Aew¯’Z kvLv ev mvewmwWqvix cÖwZôvb hw` †Kvb Kvi‡Y gvwbjÛvwis cÖwZ‡iva AvBb, 2012,
mš¿vm we‡ivax AvBb, 2009 I D³ AvB‡bi AvIZvq RvixK…Z wewagvjvq ewY©Z weavbvejx Ges weGdAvBBD
KZ©„K mgq mgq RvixK…Z wb‡`©kbvejx h_vh_fv‡e cwicvj‡b Amg_© nq Z‡e Zvi KviY Awej†¤^
weGdAvBBD‡K AewnZ Ki‡Z n‡e|
5| ‡jb‡`b gwbUwis t
(1) cÖwZwU e¨vsK Mªvn‡Ki †jb‡`b wbqwgZ gwbUi Ki‡e|
(2) mKj RwUj, ¯^vfvwe‡Ki Zzjbvq AmvgÄm¨c~Y© Ges AvcvZ`„wó‡Z †h mKj †jb‡`‡bi ‡Kvb Avw_©K ev
`„wóMÖvn¨ êa D‡Ïk¨ †bB Giƒc †jb‡`b AwaKZi ¸iæZ¡ mnKv‡i gwbUi Ki‡Z n‡e |
(3) wbw`©ó mgq AšÍi AšÍi wnmv‡ei SzuwK ch©v‡jvPbv Kivi Rb¨ GKwU Kvh©Ki eë¯’v MªnY Ki‡Z n‡e Ges †m
Abyhvqx D”P SuywKm¤úbœ wn‡m‡e †kÖYxK…Z wnmv‡ei †ÿ‡Î we‡kl mZK©Zv ev Enhanced Due Diligence
(EDD) Aej¤^b Ki‡Z n‡e|
6| bM` †jb‡`b wi‡cvU© (Cash Transaction Report-CTR) t
(1) cÖwZwU e¨vsK kvLvmg~‡ni c~e©eZ©x gv‡mi ˆ`bw›`b †jb‡`b cixÿv K‡i †Kvb GKwU wnmv‡e †Kvb GKwU wbw`©ó
w`‡b GK ev GKvwaK †jb‡`‡bi gva¨‡g Rgv ev D‡Ëvj‡bi (AbjvBb, GwUGgmn ‡h †Kvb ai‡Yi bM` Rgv ev
D‡Ëvjb) cwigvY hw` 10(`k) jÿ UvKv ev Z`~aŸ© A‡_©i ev mgg~‡jï ê‡`wkK gy`ªvq nq Z‡e Zv ¯^ ¯^ †K›`ªxq
cwicvjb BDwbU Gi gva¨‡g gvwmK wfwË‡Z weGdAvBBD eive‡i bM` †jb‡`b wi‡cvU© wn‡m‡e `vwLj Ki‡e|
(2) e¨vs‡Ki †Kvb kvLvq Giƒc †Kvb †jb‡`b msNwUZ bv n‡j kvLv n‡Z ÒbM` †jb‡`b wi‡cvU© †hvM¨ †Kvb
†jb‡`b †bBÓ g‡g© ‡K›`ªxq cwicvjb BDwbU‡K AewnZ Ki‡Z n‡e| †K›`ªxq cwicvjb BDwbU GmKj kvLvi
GKwU ZvwjKv weGdAvBBD G ÒbM` †jb‡`b wi‡cvU©Ó `vwL‡ji mgq Zvi mv‡_ mshy³ Ki‡e|
(3) kvLv n‡Z bM` †jb‡`b wi‡cvU© `vwLj Kivi c~‡e© ‡jb‡`bmg~n ch©v‡jvPbv K‡i †Kvb m‡›`nRbK †jb‡`b
msNwUZ n‡q‡Q wKbv Zv wPwýZ Ki‡Z n‡e I m‡›`nRbK †jb‡`b cwijwÿZ n‡j c„_Kfv‡e Òm‡›`nRbK
†jb‡`b wi‡cvU©Ó wn‡m‡e †K›`ªxq cwicvjb BDwbU G `vwLj Ki‡Z n‡e| m‡›`nRbK †jb‡`b cwijwÿZ bv n‡j
bM` †jb‡`b wi‡cv‡U©i mv‡_ Òm‡›`nRbK †jb‡`b cvIqv hvqwbÓ g‡g© ‡K›`ªxq cwicvjb BDwbU‡K AewnZ
Ki‡Z n‡e|
(4) cÖ‡Z¨K e¨vsK kvLvi bM` †jb‡`b wi‡cvU© gvwmK wfwË‡Z mswkøó kvLvq msiÿY Ki‡Z n‡e|
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(5) ‡K›`ªxq cwicvjb BDwbU e¨vs‡Ki bM` †jb‡`b wi‡cvU©‡hvM¨ mKj ‡jb‡`b ch©v‡jvPbv K‡i †Kvb
m‡›`nRbK †jb‡`b msNwUZ n‡q‡Q wKbv Zv wPwýZ Ki‡e I m‡›`nRbK †jb‡`b cwijwÿZ n‡j c„_Kfv‡e
Òm‡›`nRbK †jb‡`b wi‡cvU©Ó wn‡m‡e weGdAvBBD eivei `vwLj Ki‡e| m‡›`nRbK †jb‡`b cwijwÿZ bv
n‡j Òm‡›`nRbK †jb‡`b cvIqv hvqwbÓ g‡g© cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v n‡Z cÖZ¨qb cÎ
MÖnYKiZt gvwmK bM` †jb‡`b wi‡cv‡U©i mv‡_ mshy³ Ki‡Z n‡e|
(6) cÖwZ gv‡mi bM` †jb‡`b wi‡cvU© cieZx© gv‡mi 21 Zvwi‡Li g‡a¨ goAML web eënvi K‡i goAML
Manual Gi wb‡`©kbv ‡gvZv‡eK `vwLj Kivi cvkvcvwk MZ 16 †deªæqvwi, 2006 Zvwi‡L RvwiK…Z GGgGj
mvKzj
© vi bs -10 Gi gva¨‡g mieivnK…Z dig †gvZv‡eK mdU Kwc (CD/DVD) weGdAvBBD eivei `vwLj
Ki‡Z n‡e|
(7) http://www.bb.org.bd/eservices.php I‡qewjsK n‡Z goAML mswkøó
cÖ‡qvRbxq Document WvDb‡jvW Kiv hv‡e |
(8) goAML web eënvi K‡i bM` †jb‡`b wi‡cvU© `vwL‡ji †¶‡Î kvLvIqvix †jb‡`b msL¨vi GKwU
ZvwjKv wi‡cvU© Gi mv‡_ mshyw³ AvKv‡i `vwLj Ki‡Z n‡e|
(9) miKvix wnmve (wewfbœ gš¿Yvjq, wefvMmn), miKvix gvwjKvbvaxb cÖwZôvb, Avav miKvix ev ¯^vqËkvwmZ
cÖwZôv†bi wnmv‡e bM` Rgvi †ÿ‡Î bM` †jb‡`b wi‡cvU© `vwLj Kivi cÖ‡qvRb n‡e bv, Z‡e bM` D‡Ëvj‡bi
†ÿ‡Î h_vwbq‡g bM` †jb‡`b wi‡cvU© `vwLj Ki‡Z n‡e|
(10) AvšÍte¨vsK Ges AvšÍtkvLv bM` †jb‡`‡bi †ÿ‡Î ÔbM` †jb‡`b wi‡cvU© Õ `vwLj Kivi cÖ‡qvRb n‡e
bv|
(11) mswkøó gv‡m wi‡cvU©‡hvM¨ bM` †jb‡`b msNwUZ bv n‡j ÒbM` †jb‡`b wi‡cvU© cvIqv hvqwbÓ g‡g©
cÖZ¨qbcÎ goAML Web Gi Message Board Gi gva¨‡g weGdAvBBD‡K AewnZ Ki‡Z n‡e|
(12) e¨vsKmg~n bM` †jb‡`b wi‡cvU© Gi Z_¨vw` weGdAvBBD G `vwL‡ji gvm n‡Z Kgc‡ÿ 5(cuvP) eQi
msiÿY Ki‡e|
7| m‡›`nRbK †jb‡`b wi‡cvU© (Suspicious Transaction Report-STR) t
(1) gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 25(1)(N) aviv Ges mš¿vm we‡ivax AvBb, 2009 Gi 16(1)
avivq ewY©Z wb‡`©k ev¯Íevq‡bi wbwg‡Ë cÖwZwU e¨vs‡Ki mKj Kg©KZ©v ˆ`bw›`b †jb‡`b ev Kvh© μ‡g m‡›`nRbK
†jb‡`b mbv³Ki‡Y m‡PZb I mZK© _vK‡eb|
(2) m‡›`nRbK †jb‡`b mbv³Ki‡Y e¨vsK Kg©KZ©vMY gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 2(h) aviv Ges
mš¿vm we‡ivax AvBb, 2009 Gi 2(16) avivq ewY©Z msÁv we‡ePbv Ki‡eb|
(3) e¨vsK kvLvi †Kvb Kg©KZ©v KZ…©K m‡›`nRbK †jb‡`b ev Kvh©μg wPwýZ nIqvi mv‡_ mv‡_ Zv kvLv
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K wjwLZfv‡e AewnZ Ki‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZ©v wi‡cvU©K…Z †jb‡`b ev Kvh©μg Awej‡¤^ h_vh_fv‡e we‡kølY Ki‡eb Ges ch©‡eÿYmg~n
wek`fv‡e wjwce× K‡i msiÿY Ki‡eb| ewY©Z †jb‡`b ev Kvh©μgwU m‡›`nRbK wn‡m‡e we‡ewPZ n‡j Zv
Awej‡¤^ cÖ‡qvRbxq `wjjvw`mn ‡K›`ªxq cwicvjb BDwb‡U †cÖiY Ki‡Z n‡e|
(4) ‡K›`ªxq cwicvjb BDwbU kvLv n‡Z cÖvß m‡›`nRbK †jb‡`b ev Kvh©μgwU h_vh_fv‡e I cÖ‡qvRbxq Z_¨-
DcvË ev `wjjvw` mwbœ‡ewkZ K‡i wi‡cvU© Kiv n‡q‡Q wKbv Zv ch©v‡jvPbv K‡i Awej‡¤^ goAML web
eënvi K‡i Ges goAML Manual Gi wb‡`©kbv Abymv‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU©
11
`vwL‡ji cvkvcvwk cwiwkó- ÔMÕ †Z mshy³ dig eënvi K‡i cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw`mn
weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡e|
(5) Aq¨vi UªvÝdv‡ii †ÿ‡Î ‡K›`ªxq cwicvjb BDwbU kvLv n‡Z cÖvß m‡›`nRbK †jb‡`b h_vh_fv‡e
cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ewkZ K‡i wi‡cvU© Kiv n‡q‡Q wKbv Zv ch©v‡jvPbv K‡i Awej‡¤^
goAML web eënvi K‡i Ges goAML Manual Gi wb‡`©kbv Abymv‡i weGdAvBBD eivei m‡›`nRbK
†jb‡`b wi‡cvU© `vwL‡ji cvkvcvwk cwiwkó-ÔNÕ †Z mshy³ dig eënvi K‡i cÖ‡qvRbxq Z_¨-DcvË ev
`wjjvw` mwbœ‡ek K‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡e|
(6) ‡gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsK Zvi K¨vk c‡q›U ev G‡R›U‡ì
g‡a¨ m‡›`nRbK †jb‡`b ev Kvh©μ‡gi wel‡q Af¨šÍixY wi‡cvwU©s eë¯’v Pvjy Ki‡e| K¨vk c‡q›U ev
G‡R›U‡ì wbKU †Kvb m‡›`nRbK †jb‡`b ev Kvh©μg wPwýZ n‡j mswkøó K¨vk c‡q›U ev G‡R›U KZ©„K
GZ`&mshy³ Q‡K (cwiwkó ÔNÕ) e¨vs‡Ki †K›`ªxq cwicvjb BDwbU eive‡i m‡›`nRbK †jb‡`b wi‡cvU© `vwLj
Ki‡Z n‡e| ‡K›`ªxq cwicvjb BDwbU cÖvß m‡›`nRbK †jb‡`b wi‡cvU© h_vh_fv‡e cÖ‡qvRbxq Z_¨-DcvË ev
`wjjvw` mwbœ‡ewkZ K‡i `vwLj Kiv n‡q‡Q wKbv Zv ch©v‡jvPbv K‡i Awej‡¤^ goAML web eënvi K‡i Ges
goAML Manual Gi wb‡`©kbv Abymv‡i weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU© `vwL‡ji cvkvcvwk
cwiwkó-ÔNÕ †Z mshy³ dig eënvi K‡i cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ek K‡i weGdAvBBD eivei
m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡e|
e¨vs‡Ki †Kvb mvewmwWqvixi gva¨‡g †gvevBj dvBb¨vwÝqvj mvwf©m ev G‡R›U e¨vswKs Kvh©μg cwiPvwjZ
n‡j Ges D³ mvewmwWqvix gvwbjÛvwis cÖwZ‡iva AvBb, 2012 ev mš¿vm we‡ivax AvBb, 2009 Gi
AvIZvq wi‡cvU© cÖ`vbKvix ms¯’v wn‡m‡e AšÍf©y³ n‡j mswkøó mvewmwWqvix KZ©„K mivmwi m‡›`nRbK
†jb‡`b wi‡cvU© weGdAvBBD eivei `vwLj Ki‡Z n‡e|
(7) m‡›`nRbK †jb‡`b ev Kvh©μg mbv³KiY ev wi‡cvU© Kivi mv‡_ mswkøó Kg©KZ©vMY welqwUi †MvcbxqZv
wbwðZ Ki‡eb|
(8) kvLv ch©v‡q †Kvb †jb‡`b ev Kvh©μg m‡›`nRbK wn‡m‡e wPwýZ bv n‡jI ‡K›`ªxq cwicvjb BDwbU KZ…©K
†Kvb †jb‡`b ev Kvh©μg m‡›`nRbK cÖZxqgvb n‡j Aby‡”Q` 7(4) †gvZv‡eK m‡›`nRbK †jb‡`b wi‡cvU©
weGdAvBBD eivei `vwLj Ki‡Z n‡e|
(9) e¨vsKmg~n m‡›`nRbK †jb‡`b wi‡cvU© Gi Z_¨vw` weGdAvBBD KZ©„K cieZ©x wb‡`©kbv bv †`qv ch©šÍ
msiÿY Ki‡e|
8| Self Assessment Ges Independent Testing Procedures t
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a GKwU Kvh©Kix eë¯’v cÖwZôvi j‡ÿ¨ e¨vs‡Ki Af¨šÍixY wbixÿv
wefv‡Mi gva¨‡g kvLvmg~n n‡Z cÖvß Self Assessment Report ch©v‡jvPbv Ges Independent Testing
Procedures h_vh_fv‡e m¤úbœ Kivi Rb¨ D³ wefvMwU‡Z ch©vß ‡jvKej wbwðZ Ki‡Z n‡e hv‡ì gvwbjÛvwis
I mš¿v‡m A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡`©kbv Ges G welqK e¨vs‡Ki wbR¯^
bxwZgvjv m¤ú‡K© mg¨K Ávb i‡q‡Q|
8.1 kvLvmg~‡ni KiYxq t
(1) cÖwZwU kvLv KZ©„K Self Assessment Gi Rb¨ wba©vwiZ †PKwjó (cwiwkó ÔOÕ) Gi Dci wfwË K‡i
lvb¥vwmK wfwË‡Z wb‡R‡ì kvLvi g~j¨vqb Ki‡Z n‡e;
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(2) Av‡jvP¨ g~j¨vqb cÖwZ‡e`b P~ovšÍ Kivi c~‡e© kvLv eë¯’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó Kg©KZ©v‡ì wb‡q
mfv Ki‡Z n‡e| D³ mfvq Lmov kvLv g~j¨vqb cÖwZ‡e`‡bi Dci Av‡jvPbv Ki‡Z n‡e, wPwýZ mgm¨v kvLv
ch©v‡q mgvavb Kiv m¤¢eci n‡j kvLv KZ©„K Awej‡¤^ eë¯’v MÖnYc~e©K P~ovšÍ Ki‡Z n‡e Ges P~ovšÍ cÖwZ‡e`‡b
mycvwik wjwce× Ki‡Z n‡e| cieZ©x gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK ‰ÎgvwmK
mfv¸‡jv‡Z GZ`mswkøó wel‡qi AMÖMwZ wb‡q Av‡jvPbv Ki‡Z n‡e; Ges
(3) cÖwZwU lvb¥vwmKKvj mgvß nIqvi cieZx© gv‡mi 15 Zvwi‡Li g‡a¨ kvLv g~j¨vqb cÖwZ‡e`b, G wel‡q kvLv
KZ©„K M„nxZ/M„nxZe¨ Kvh©μg I mycvwikmn cÖavb Kvh©vj‡qi Af¨šÍixY wbixÿv wefvM I †K›`ªxq cwicvjb
BDwb‡U †cÖiY Ki‡Z n‡e |
8.2 Af¨šÍixY wbixÿv wefv‡Mi KiYxq t
(1) Af¨šÍixY wbixÿv wefvM KZ©„K kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b hvPvB K‡i †Kvb kvLvq †Kvb
SuywKc~Y© welq cwijwÿZ n‡j ZvrÿwYKfv‡e kvLvwU cwi`k©‡bi eë¯’v Ki‡Z n‡e Ges welqwU †K›`ªxq
cwicvjb BDwbU‡K AewnZ Ki‡Z n‡e|
(2) Af¨šÍixY wbixÿv wefvM Zv‡ì wbR¯^ Ges wbqwgZ evwl©K cwi`k©b/wbixÿv Kg©m~Px Abymv‡i wewfbœ kvLvi
cwi`k©b/ wbixÿv Kvh©μg m¤úv`bKv‡j Independent Testing Procedures Gi wba©vwiZ †PKwjó
(cwiwkó ÒPÓ) Gi wfwË‡Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg mswkøó welqvw`
cixÿv Ki‡e I kvLvi ‡iwUs wbY©qKiZt mswkøó kvLvi cÖwZ‡e`b cÖYqb Ki‡e| GQvov, wbqwgZ evwl©K
cwi`k©b/wbixÿv Kg©m~Pxi AwZwi³ Kgc‡ÿ 10% kvLvq c„_K cwi`k©b Kg©m~Pxi AvIZvq Independent
Testing Procedures Gi wba©vwiZ †PKwjó (cwiwkó ÒQÓ) Gi wfwË‡Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg msμvšÍ welqvw` cixÿv Ki‡e I kvLvi ‡iwUs wbY©qKiZt cÖwZ‡e`b cÖYqb
Ki‡e|
(3) Af¨šÍixY wbixÿv wefvM cwi`wk©Z/wbixwÿZ kvLvmg~‡ni †iwUs m¤^wjZ cÖwZ‡e`‡bi Kwc e¨vs‡Ki †K›`ªxq
cwicvjb BDwbU eive‡i †cÖiY Ki‡e|
(4) †gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~‡ni †ÿ‡Î Af¨šÍixY wbixÿv
wefvM Zv‡ì K¨vk c‡q›U/G‡R›U‡ì gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg mswkøó welqvwì
cwicvjb Ae¯’v hvPvB‡qi wbwg‡Ë evwl©K wfwË‡Z b~¨bZg 10% K¨vk c‡q›U/G‡R‡›Ui Dci cwi`k©b/wbixÿv
Kvh©μg cwiPvjbv Ki‡e Ges cÖwZ‡e`b ‡K›`ªxq cwicvjb BDwb‡U †cÖiY Ki‡e|
8.3| †K›`ªxq cwicvjb BDwb‡Ui KiYxq t
(1) †K›`ªxq cwicvjb BDwbU kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b Ges e¨vs‡Ki Af¨šÍixY wbixÿv
wefvM KZ©„K `vwLjK…Z cwi`k©b/wbixÿv cÖwZ‡e`‡bi Dci wfwË K‡i we‡eP¨ lvb¥vwm‡K cwi`wk©Z kvLvmg~‡ni
†PKwj÷ wfwËK g~j¨vqb cÖwZ‡e`b cÖ¯‘Z Ki‡e| D³ cÖwZ‡e`‡b Ab¨vb¨ wel‡qi mv‡_ Avewk¨Kfv‡e wb‡gœi
welqmg~n AšÍfy©³ _vK‡e t
(K) ‡gvU kvLvi msL¨v Ges kvLv n‡Z cÖvß †gvU †mjd A¨v‡mm‡g›U wi‡cv‡U©i msL¨v;
(L) wi‡cvU©Kv‡j Af¨šÍixY wbixÿv wefvM KZ©„K cwi`wk©Z/wbixwÿZ kvLvi msL¨v Ges kvLvmg~‡ni Ae¯’v
(kvLvIqvix cÖvß b¤î);
(M) cÖvß †mjd A¨v‡mm‡g›U wi‡cv‡U© AwaK msL¨K kvLvq GKB ai‡Yi †h mKj Awbq‡gi welq D‡jøL
i‡q‡Q Zv D‡jøLc~e©K H mKj Awbqg †iv‡a †K›`ªxq cwicvjb BDwbU KZ©„K M…nxZ eë¯’v;
13
(N) Af¨šÍixY wbixÿv wefvM KZ©„K `vwLjK…Z cÖwZ‡e`‡b DwjøwLZ mvaviY I we‡kl Awbqgmg~n Ges H
mKj Awbqg †iv‡a †K›`ªxq cwicvjb BDwbU KZ©„K M…nxZ eë¯’v; Ges
(O) cÖvß wi‡cv‡U© ÒAm‡šÍvlRbKÓ I ÒcÖvwšÍKÓ wn‡m‡e g~j¨vwqZ kvLvmg~‡ni cwicvjb wbwðZ KiZt
†iwUs DbœqbK‡í M„nxZ eë¯’v|
Av‡jvP¨ cÖwZ‡e`bwU 1.3(4) G DwjøwLZ cÖwZ‡e`‡b AšÍfz©³ n‡e|
(2) kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b hvPvB K‡i †Kvb kvLvq †Kvb SuywKc~Y© welq cwijwÿZ n‡j
ZvrÿwYKfv‡e kvLvwU Af¨šÍixY wbixÿv wefv‡Mi gva¨‡g cwi`k©‡bi eë¯’v Ki‡Z n‡e Ges welqwU Dchy³
KZ©„c‡ÿi bR‡i Avb‡Z n‡e|
(3) †gvevBj dvBb¨vwÝqvj mvwf©m Ges G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~‡ni †ÿ‡Î ‡K›`ªxq
cwicvjb BDwbU Af¨šÍixY wbixÿv wefvM n‡Z cÖvß cÖwZ‡e`bmg~n ch©v‡jvPbvc~e©K Zv‡ì ch©‡eÿY I
mycvwikmn cÖwZ eQ‡ii Rvbyqvwi gv‡m c~e©eZx© eQ‡ii wbixÿvq cÖvß Awbq‡gi weeiY m¤^wjZ GKwU mvi-
ms‡ÿc e¨vs‡Ki cÖavb wbe©vnx eivei `vwLj Ki‡e| cÖavb wbe©vnxi gZvgZmn Zv e¨vs‡Ki cwiPvjbv cl©` ev
m‡e©v”P eë¯’vcbv KwgwUi mfvq Dc¯’vcb Ki‡Z n‡e| cÖavb wbe©vnx I cwiPvjbv cl©` ev m‡e©v”P eë¯’vcbv
KwgwUi gZvgZ I M„nxZ eë¯’v m¤^wjZ GKwU evwl©K cÖwZ‡e`b †deªæqvwi gv‡mi g‡a¨ weGdAvBBD eive‡i
`vwLj Ki‡Z n‡e|
9| Aq¨vi UªvÝdvi (Wire transfer) t
ÒAq¨vi UªvÝdvi (Wire transfer)Ó ej‡Z Ggb Avw_©K †jb‡`b‡K eySv‡e hv‡Z †Kvb Av‡e`bKvix e¨w³ ev
cÖwZôv‡bi Aby‡iv‡a †Kvb e¨vsK B‡j±ªwbK gva¨g eënvi K‡i Aci †Kvb e¨vsK kvLvi mnvqZvq †ewbwdwkqvix
e¨w³ ev cÖwZôvb‡K A_© cÖ`vb K‡i|
9.1 Aq¨vi UªvÝdvi m¤úwK©Z Ab¨vb¨ msÁv
(1) ÒAvšÍt‡`kxq Aq¨vi UªvÝdvi (Cross-border wire transfer)Ó ej‡Z Giƒc Avw_©K †jb‡`b‡K eySv‡e
†h ‡ÿ‡Î Av‡e`bKvix Ges †ewbwdwkqvix wfbœ wfbœ †`‡k Ae¯’vb K‡i| ZvQvov ci¯úi m¤úK©hy³ GKvwaK
UªvÝdv‡ii ‡ÿ‡Î b~¨bc‡ÿ GKwU †jb‡`b †`‡ki evB‡i m¤úvw`Z n‡j ZvI AvšÍt‡`kxq Aq¨vi UªvÝdvi g‡g©
MY¨ n‡e|
(2) ÒAf¨šÍixY Aq¨vi UªvÝdvi (Domestic wire transfer)Ó ej‡Z Giƒc †jb‡`b‡K eySv‡e †h‡ÿ‡Î
Av‡e`bKvix I ‡ewbwdwkqvix GKB †`‡k Ae¯’vb K‡i| G‡ÿ‡Î ci¯úi m¤úK©hy³ GKvwaK UªvÝdv‡i eëüZ
cÖwμqv Ab¨ †Kvb †`‡k m¤úbœ n‡jI Zv Af¨šÍixY Aq¨vi UªvÝdvi g‡g© MY¨ n‡e|
(3) ÒAv‡e`bKvix (Applicant/originator)Ó ej‡Z Ggb †Kvb e¨w³ ev cÖwZôvb‡K (wnmveavix wKsev
wnmveavix bb) eySv‡e hvi Aby‡iv‡ai m~‡Î mswkøó e¨vsK ewY©Z Aq¨vi UªvÝdvi Kvh© m¤úv`b K‡i|
(4) Ò‡ewbwdwkqvix (Beneficiary)Ó ej‡Z Ggb †Kvb e¨w³ ev cÖwZôvb‡K (wnmveavix wKsev wnmveavix bb)
eySv‡e hvi AbyK‚‡j A_© †cÖiY Kiv nq|
(5) Òc~Y©v½ (Complete)Ó ej‡Z Av‡e`bKvix ev †ewbwdwkqvixi cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_ï
mwbœ‡ek‡K eySv‡e| D`vniY¯îƒct Av‡e`bKvix/†ewbwdwkqvixi bvg I we¯ÍvwiZ wVKvbv, e¨vsK wnmve b¤î (hw`
_v‡K) RvZxq cwiPqcÎ/wbeÜb cÎ/MÖnY‡hvM¨ cwiwPwZg~jK Qwehy³ AvBwW KvW©, ‡dvb/‡gvevBj b¤î BZ¨vw`|
14
(6) ÒmwVK (Accurate)Ó ej‡Z Dc‡ii (5) `dvq ewY©Z Giƒc Z_¨‡K eySv‡e hvi mwVKZv hvPvB Kiv
n‡q‡Q|
(7) ÒA_©en (Meaningful)Ó ej‡Z Dc‡ii (5) `dvq ewY©Z Giƒc Z_¨‡K eySv‡e hv evn¨Z ev AvcvZt
we‡ePbvq h_vh_ g‡g© cÖZxqgvb nIqvi hyw³m½Z KviY i‡q‡Q|
9.2 mKj ai‡Yi Aq¨vi UªvÝdv‡ii †ÿ‡Î wb‡¤œv³ Z_¨vejx MÖnY wbwðZ Ki‡Z n‡e t
(1) AvšÍt‡`kxq Aq¨vi UªvÝdvi t
(K) mvaviY ev we‡kl AbygwZi AvIZvq Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev mgZzj¨
cwigvY ê‡`wkK gy`ªvq AvšÍt‡`kxq Aq¨vi UªvÝdv‡ii †ÿ‡Î Av‡e`bKvixi c~Y©v½ I mwVK Z_¨ msMÖn, msiÿY
Ges B›UviwgwWqvix/‡ewbwdwkqvix e¨vs‡K †cÖiY Ki‡Z n‡e| GQvovI ewY©Z mxgvi bx‡Pi †jb‡`bmg~‡ni †ÿ‡Î
Av‡e`bKvixi c~Y©v½ I A_©en Z_¨ msiÿY Ki‡Z n‡e|
(L) AvšÍt‡`kxq Aq¨vi UªvÝdv‡ii A_© †ewbwdwkqvix‡K cÖ`v‡bi †ÿ‡Î †ewbwdwkqvix m¤úwK©Z c~Y©v½ I A_©en
Z_¨ msiÿY Ki‡Z n‡e|
(M) †h mKj †ÿ‡Î GKK Av‡e`bKvix KZ©„K GKvwaK AvšÍt‡`kxq Aq¨vi UªvÝdv‡ii gva¨‡g GKvwaK
†ewbwdwmqvixi AbyK‚‡j e¨vP dvB‡j ¸”QvKv‡i (Bundled in a batch file) †cÖiY Kiv nq ‡m mKj †ÿ‡Î
e¨vP dvB‡j Av‡e`bKvix I †ewbwdwmqvixi mwVK I c~Y©v½ Z_¨ AšÍf©y³ Ki‡Z n‡e| GQvov, Av‡e`bKvixi
wnmve b¤îI G‡ÿ‡Î e¨vsK AšÍf©y³ Ki‡e|
(2) Af¨šÍixY Iq¨vi UªvÝdvi t
(K) Ab~¨b 25,000/- (cuwPk nvRvi ) UvKv Af¨šÍixY Aq¨vi UªvÝdv‡ii †ÿ‡Î Av‡e`bKvixi c~Y©v½ I mwVK
Z_¨ msMÖn, msiÿY Ges B›UviwgwWqvix/‡ewbwdwkqvix e¨vsK/cÖwZôv‡b †cÖiY Ki‡Z n‡e Ges ewY©Z mxgvi
bx‡Pi †jb‡`bmg~‡ni †ÿ‡Î Av‡e`bKvixi c~Y©v½ I A_©en Z_¨ msiÿY Ki‡Z n‡e| GQvovI Af¨šÍixY
Aq¨vi UªvÝdv‡ii A_© †ewbwdwkqvix‡K cÖ`v‡bi †ÿ‡Î †ewbwdwkqvix m¤úwK©Z c~Y©v½ I A_©en Z_¨ msiÿY
Ki‡Z n‡e|
(L) †gvevBj dvBb¨vwÝqvj mvwf©m cÖ`vbKvix e¨vsK Dc‡iv³ wb‡`©kbvi AwZwi³ †c‡g›U wm‡÷gm wWcvU©‡g›U,
evsjv‡`k e¨vsK KZ©„K mg‡q mg‡q mieivnK…Z KYC Format eënvi Ki‡e|
(M) †WweU ev †μwWU KvW© eënvi K‡i Aq¨vi UªvÝdv‡ii †ÿ‡Î (cY¨ I †mev μq e¨ZxZ) cwi‡kva msμvšÍ
BÝUªvKkb/evZ©vq Dc‡ii 2(K) Gi Abyiƒc Z_¨ msiÿY Ki‡Z n‡e|
(N) miKvix/AvavmiKvix/¯^vqËkvwmZ cÖwZôv‡bi AbyK‚‡j Aq¨vi UªvÝdv‡ii ‡ÿ‡Î Dchy©³ wb‡`©kbvmg~‡ni
cwicvjb eva¨Zvg~jK bq| GQvovI AvšÍte¨vsK †jb‡`b (A_©vr †hLv‡b Av‡e`bKvix I †ewbwdwkqvix Dfq
cÿB †Kvb e¨vsK ev Avw_©K cÖwZôvb) Kvh©μ‡gi †ÿ‡Î Dc‡ii 2(K) `dvq ewY©Z wb‡`©kbv cwicvjb
Ae¨vnwZ‡hvM¨ we‡ewPZ n‡e|
9.3 AW©vwis, B›UviwgwWqvix I ‡ewbwdwkqvix e¨vsK-Gi KiYxq t
(1) AW©vwis e¨vsK t AW©vwis e¨vsK‡K Aq¨vi UªvÝdvi msμvšÍ †jb‡`‡bi †ÿ‡Î Av‡e`bKvixi mwVK Ges c~Y©v½
Z_¨ wbwðZ Ki‡Z n‡e| GQvov AW©vwis e¨vsK‡K †ewbwdwkqvixi A_©en Z_¨ msMÖn Ki‡Z n‡e| Gme Z_¨
b~¨bZg 05 (cvuP) eQi msiÿY Ki‡Z n‡e|
15
(2) B›UviwgwWqvix e¨vsK t
(K) AvšÍt‡`kxq Ges Af¨šÍixY Dfq ai‡Yi Aq¨vi UªvÝdv‡ii †ÿ‡Î AW©vwis e¨vsK I †ewbwdwkqvwi e¨vs‡Ki
gv‡S †Kvb e¨vsK †h †Kvb ai‡Yi B›UviwgwWqvix wn‡m‡e Kvh© m¤úv`bKv‡j D³ e¨vsK KZ©„K Av‡e`bKvix Ges
†ewbwdwkqvix m¤úwK©Z Z_¨vw` msiÿY wbwðZ Ki‡Z n‡e| AW©vwis e¨vsK (cÖ‡hvR¨ †ÿ‡Î Ab¨ †Kvb
B›UviwgwWqvix e¨vsK) n‡Z cÖvß Z_¨ B›UviwgwWqvix e¨vsK/ cÖwZôvb KZ©„K b~¨bZg 05 (cvuP) eQi msiÿY
Ki‡Z n‡e|
(L) cÖwZwU B›UviwgwWqvix e¨vsK KZ©„K Aq¨vi UªvÝdvi m¤úv`‡bi †ÿ‡Î Av‡e`bKvix ev †ewbwdwkqvixi Z‡_ï
Afv‡e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cÖ‡qvRbxq d‡jvAvc Kvh©μ‡gi Rb¨ mswkøó
e¨vs‡K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK‡Z n‡e|
(3) ‡ewbwdwkqvix e¨vsK t
(K) Aq¨vi UªvÝdvi msμvšÍ †jb‡`b Kvh©μ‡g RwoZ ‡ewbwdwkqvix e¨vsK‡K Av‡e`bKvixi c~Y©v½ Z‡_ï †Kvb
NvUwZ Av‡Q wK bv Zv hvPvB Kivi Rb¨ GKwU SzuwKwfwËK c×wZi cÖeZ©Y Ki‡Z n‡e| Av‡e`bKvixi c~Y©v½
Z‡_ï †Kvb NvUwZ cwijwÿZ n‡j cÖ‡qvRb‡ev‡a mswkøó cÿmg~n cvi¯úwiK †hvMv‡hv‡Mi gva¨‡g ev Ab¨vb¨
m~Î eënvi K‡i Z_¨ msMÖn Ki‡e| cÖvcK/ †ewbwdwkqvix‡K A_© cwi‡kv‡ai mgq ‡ewbwdwkqvix e¨vsK‡K
cÖvcK/ †ewbwdwkqvixi c~Y©v½ I mwVK Z_¨ msMÖn I mswkøó Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki‡Z n‡e|
(L) cÖwZwU †ewbwdwkqvix e¨vsK Aq¨vi UªvÝdvi m¤úv`‡bi †ÿ‡Î Av‡e`bKvix ev †ewbwdwkqvixi Z‡_ï
Afv‡e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cÖ‡qvRbxq d‡jvAvc Kvh©μ‡gi Rb¨ mswkøó
e¨vs‡K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK‡Z n‡e|
9.4 Aq¨vi UªvÝdvi msμvšÍ Ab¨vb¨ wb‡`©kbv t
(1) †gvevBj dvBb¨vwÝqvj mvwf©m Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n Zv‡ì G‡R›U‡ì nvjbvMv` ZvwjKv
I‡qemvB‡U cÖKvk Ki‡e|
(2) †gvevBj dvBb¨vwÝqvj mvwf©m Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n ‡gvevBj e¨vswKs †mev MÖnYKvixi m¤ú~Y©
†iwR‡÷ªkb cÖwμqv m¤úv`b I Aby‡gv`‡bi c‡iB †KejgvÎ †jb‡`b m¤úv`b Ki‡Z cvi‡e| Z‡e †iwR‡÷ªkb
cÖwμqv m¤úv`‡bi ci cash in Kiv hv‡e Z‡e Aby‡gv`‡bi c‡iB †KejgvÎ Cash out Kiv hv‡e |
(3) $ 1,000/-(GK nvRvi) ev Gi bx‡Pi As‡Ki †jb‡`‡bi †ÿ‡Î Av‡e`bKvix I ‡ewbwdwkqvixi bvg I
wVKvbv Ges Av‡e`bKvixi †Uwj‡dvb b¤î msMÖn Ki‡Z n‡e|
(4) GZ`&mswkøó Kvh©μg cwiPvjbvKv‡j mswkøó me cÿ‡K Avewk¨Kfv‡e ê‡`wkK gy`ªv †jb‡`b msμvšÍ
weavbvejx, ‡c‡g›U wm‡÷gm wWcvU©‡g›U KZ©„K Bmy¨K…Z wb‡`©kbv, G BDwbU KZ©„K mg‡q mg‡q RvixK…Z
wb‡`©kbv Ges G m¤úwK©Z me AvBb ev wewaweavb h_vixwZ AbymiY Ki‡Z n‡e|
10| mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva (Prevention of Financing
of Terrorism and Financing of Proliferation of Weapons of Mass Destruction) t
(1) cÖ‡Z¨K e¨vsK cwiPvjbv cl©‡ì Aby‡gv`bμ‡g mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i
A_©vqb msμvšÍ †jb‡`b cÖwZ‡iva I mbv³ Kivi j‡ÿ¨ GKwU c×wZ cÖwZôv Ki‡e, e¨vs‡Ki Kg©KZ©v‡ì
`vq`vwqZ¡ m¤úwK©Z wb‡`©kbv Rvix Ki‡e, mgq mgq Zv ch©v‡jvPbv Ki‡e Ges weGdAvBBD KZ…©K RvixK…Z
wb‡`©kbv h_vh_fv‡e cÖwicvjb Kiv n‡”Q wKbv Zv wbwðZ Ki‡e|
16
(2) mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_v©qb m¤úwK©Z msev` MYgva¨‡g cÖKvk nevi mv‡_
mv‡_ D³ Kg©Kv‡Ûi mv‡_ RwoZ ‡Kvb e¨w³ ev mËvi †Kvb e¨vsK wnmve cwiPvwjZ n‡q _vK‡j G welqK
we¯ÍvwiZ Z_¨ mswkøó e¨vsK KZ©„K Awej‡¤^ weGdAvBBD eive‡i ‡cÖiY Ki‡Z n‡e|
(3) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjy k‡bi AvIZvq mš¿vm, mš¿vmx Kv‡h© A_©vqb I
e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi
KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi nvjbvMv` Z_¨ B‡j±ªwbK c×wZ‡Z msiÿY Ki‡e|
RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv Ges evsjv‡`k miKvi
KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi msÁv G mvKz©jv‡ii 2(3) Aby‡”Q‡` cÖ`vb Kiv n‡q‡Q|
(4) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡ì †Kvb †iRyjyk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K
ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi bv‡g A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì
wbqš¿Yvaxb/¯^v_©mswkøó †Kvb e¨w³ ev mËvi bv‡g e¨vsK wnmve i‡q‡Q wKbv ev †Kvb †jb‡`b msNwUZ n‡q‡Q
wKbv Zv wPwýZ Kivi Rb¨ wbqwgZ ‡jb‡`b gwbUi Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e|
ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì wbqš¿Yvaxb/¯^v_©mswkøó
†Kvb e¨w³ ev mËvi †Kvb e¨vsK wnmve ev †jb‡`b wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ wnmv‡ei
‡jb‡`b ev †jb‡`bwU ¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ G welqK we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ
Ki‡e|
(5) hw` Aq¨vi UªvÝdvi msμvšÍ †jb‡`‡bi Av‡e`bKvix wKsev †ewbwdwkqvix RvwZms‡Ni wbivcËv cwil‡ì
†Kvb †iRyjyk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv nq Z‡e
Zv wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ †jb‡`bwU ¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ G welqK
we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e|
(6) RvwZms‡Ni wbivcËv cwil` KZ…©K M„nxZ †iRyjykb 1373 (2001) Gi AvIZvq we‡`kx miKvi ev we‡`kx
GdAvBBD Gi Aby‡iv‡a weGdAvBBD n‡Z ‡cÖwiZ ev D³ †iRyjyk‡bi AvIZvq evsjv‡`k miKvi KZ©„K
ZvwjKvfy³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi mv‡_ e¨vsK wnmve ev Ab¨ †Kvb m¤úK© i‡q‡Q wKbv Zv
wPwýZ Kivi Rb¨ e¨vsK wbqwgZ ‡jb‡`b gwbUi Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e| ZvwjKvfz³
ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi †Kvb e¨vsK wnmve wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ wnmv‡ei
‡jb‡`b ¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e|
(7) AvšÍR©vwZK evwYwR¨K †jb‡`‡bi †ÿ‡Î cÖ‡Z¨KwU e¨vsK D³ †jb‡`b m¤úv`‡bi c~‡e© ‡jb‡`‡bi mv‡_
m¤úwK©Z cÿmg~n RvwZms‡Ni wbivcËv cwil‡ì †Kvb †iRyjyk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K
ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv wKbv Zv wPwýZ Kivi Rb¨ †jb‡`bwU ch©v‡jvPbv Ki‡e|
ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi mswkø óZv wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³
†jb‡`bwU ¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e|
11| wb‡qvM I cÖwkÿY t

11.1 wb‡qvM t
gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vq‡bi SuywK wbim‡bi j‡ÿ¨ e¨vsK Zv‡ì
wewfbœ wb‡qvM cÖwμqvq h_vh_ hvPvB cÖwμqv (Screening Mechanism) AbymiY Ki‡e hv‡Z †Kvb ¯Í‡ii
Kg©KZ©vi gva¨‡g e¨vsK G ai‡Yi SuzwKi m¤§yLxb bv nq |
17
11.2 cÖwkÿY- e¨vsK Kg©KZ©v t
(1) gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva Kvh©μ‡gi h_vh_
cwicvjb wbwðZ Kivi j‡ÿ¨ cÖ‡Z¨K e¨vsK Zv‡ì mKj Kg©KZ©v‡ì gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I
e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva mswkøó wel‡q Dchy³ cÖwkÿY cÖ`v‡bi eë¯’v Ki‡e ;
(2) †gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n Zv‡ì K¨vk
c‡q›U/G‡R›U‡ì (A_ev Ab¨ †h †Kvb bv‡gB AwfwnZ ‡nvK bv †Kb) Rb¨ wbqwgZ gvwbjÛvwis, mš¿vmx Kv‡h©
A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva mswkøó wel‡q Dchy³ cÖwkÿY cÖ`v‡bi eë¯’v
Ki‡e;
(3) e¨vsK cÖwkÿY msμvšÍ Z_¨ I `wjjvw` msiÿY Ki‡e|
11.3 wkÿY- e¨vsK MÖvnK t

(1) e¨vsK Zv‡ì MÖvnK‡ì wnmve †Lvjvi cÖv°v‡j hvwPZ wewfbœ Z_¨ mwbœ‡ek I `wjjvw` `vwL‡ji †hŠw³KZvi
wel‡q MÖvnK‡K AewnZ Ki‡e Ges gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb
cÖwZ‡iva wel‡q MÖvnK‡ì m‡PZbZv e„w×i j‡ÿ¨ mgq mgq wjd‡jU weZiY Ges cÖwZwU e¨vsK kvLvi `„k¨gvb
¯’v‡b G welqK †cv÷vi ¯’vc‡bi eë¯’v Ki‡e|
(2) †gvevBj dvBb¨vwÝqvj mvwf©m I G‡R›U e¨vswKs Kvh©μ‡g wb‡qvwRZ e¨vsKmg~n gvwbjÛvwis, mš¿vmx Kv‡h©
A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva wel‡q MÖvnK‡ì m‡PZbZv e„w×i j‡ÿ¨ mgq mgq
wjd‡jU weZiY Ges cÖwZwU K¨vk c‡q›U/G‡R›U Awd‡mi `„k¨gvb ¯’v‡b †cv÷vi ¯’vc‡bi eë¯’v Ki‡e|
(3) GQvov Corporate Social Responsibility (CSR) Gi AvIZvq gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iv‡a wewfbœ MYgva¨gmn Ab¨vb¨ gva¨‡g G welqK m‡PZbZvg~jK weÁvcb, Z_¨wPÎ BZ¨vw` cÖPv‡ii
eë¯’v Ki‡e|
12| ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY t
(1) MÖvn‡Ki Af¨šÍixY I ê‡`wkK †jb‡`b msμvšÍ mKj cÖ‡qvRbxq Z_¨ ev `wjjvw` wnmve eÜ nIqvi
ZvwiL n‡Z Ab~¨b 5(cuvP) ermi ch©šÍ msiÿY Ki‡Z n‡e;
(2) MÖvn‡Ki KYC mn CDD cÖwμqv m¤úv`bKv‡j msM„nxZ mKj Z_¨ I `wjjvw`, wnmve msμvšÍ `wjjvw`,
eëmvwqK cÎ †hvMv‡hvM Ges †Kvb MÖvn‡Ki wel‡q †Kvb cÖwZ‡e`b cÖYxZ n‡j G mKj Z_¨vw`/`wjjvw`
MÖvn‡Ki wnmve eÜ nIqvi ZvwiL n‡Z Ab~¨b 5 (cuvP) ermi ch©šÍ msiÿY Ki‡Z n‡e|
(3) Walk-in Customer KZ…©K ‡jb‡`b msNwUZ nIqvi ZvwiL n‡Z Ab~¨b 5 (cuvP) ermi ch©šÍ †jb‡`b
msμvšÍ mKj cÖ‡qvRbxq Z_¨ ev `wjjvw` msiÿY Ki‡Z n‡e|
(4) msiwÿZ Z_¨vw` Aciva Kvh©μ‡gi wePvwiK cÖwμqvq `vwjwjK cÖgvY wn‡m‡e Dc¯’vcb Kivi ‡ÿ‡Î h‡_ó
n‡Z n‡e|
(5) e¨vsK MÖvn‡Ki KYC mn CDD cÖwμqv m¤úv`bKv‡j M„nxZ mKj Z_¨ I `wjjvw` Ges †jb‡`b msμvšÍ
Z_¨ I `wjjvw` weGdAvBBD Gi Pvwn`v ev wb‡`©kbv †gvZv‡eK mieivn Ki†e|
18
13| Zdwmjx e¨vsKmg~‡ni Rb¨ B‡Zvc~‡e© RvixK…Z wb‡¤œv³ mvKz©jvi/mvKz©jvi ‡jUvimg~‡ni wb‡`©kbv ejer _vK‡e|
mvKz©jvi/ mvK©yjvi †jUvi bs Rvixi ZvwiL welq
GGgGj mvKz©jvi bs- 10 Gi ïaygvÎ 16 †deªæqvwi, 2006 bM` †jb‡`b wi‡cvU© `vwLjKiY cÖm‡½|
Cash Transaction Report Form
GGgGj mvKz©jvi bs-22 21 GwcÖj, 2009 mš¿vm we‡ivax AvBb, 2009 Rvix
cÖm‡½|
weGdAvBBD mvKz©jvi bs-02 15 gvP©, 2012 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I
mš¿vm we‡ivax (ms‡kvab) AvBb, 2012
Rvix cÖm‡½|
weGdAvBBD mvKz©jvi bs-07 14 RyjvB, 2013 mš¿vm we‡ivax (ms‡kvab)AvBb, 2013
Rvix cÖm‡½|
weGdAvBBD mvKy©jvi †jUvi-01 30 Rvbyqvwi, 2012 weGdAvBBD bvgKiY cÖm‡½|
14| Aby‡”Q` 13 G DwjøwLZ mvKz©jvi I mvKz©jvi †jUvi e¨ZxZ G gv÷vi mvK©yjvi Rvixi c~‡e© Zdwmjx
e¨vsKmg~‡ni Rb¨ gvwbjÛvwis cÖwZ‡iva wefvM ev weGdAvBBD KZ©„K RvixK…Z Ab¨ mKj mvKz©jvi I mvKz©jvi
†jUv‡ii wb‡`©kbv G gv÷vi mvKz©jv‡ii wb‡`©kbv Øviv cÖwZ¯’vwcZ g‡g© we‡ewPZ n‡e|
G mvKz©jv‡ii wb‡`©kbvmg~n Awej‡¤^ Kvh©Ki n‡e|

Avcbv‡ì wek¦¯Í,
ms‡hvRbx t †gvU 38 c„ôv|
(†gvt bvwmiæ¾vgvb)
gnveë¯’vcK
‡dvbt 9530118
cÖwZwjwc bs-weGdAvBBD(cwjwm)-3/2014- 762 ZvwiL t DwjøwLZ
AeMwZ I cÖ‡qvRbxq eë¯’v MÖn‡Yi Rb¨ cÖwZwjwc †cÖiY Kiv n‡jv t
1. mKj wefvMxq cÖavb, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
2. gnveë¯’vcK, evsjv‡`k e¨vsK, gwZwSj,
XvKv/PÆMÖvg/ivRkvnx/Lyjbv/e¸ov/wm‡jU/mìNvU,XvKv/ewikvj/iscyi/gqgbwmsn|
3. wbe©vnx cwiPvjK, Mfb©i g‡nv`‡qi mwPevjq, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
4. Mfb©i g‡nv`‡qi e¨w³MZ Kg©KZ©v, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
5. †WcywU Mfb©i g‡nv`qM‡Yi mv‡_ mshy³ Dc-cwiPvjK/mnKvix cwiPvjK, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
6. A_©‰bwZK Dc‡`óv/wbe©vnx cwiPvjK g‡nv`qM‡Yi e¨w³MZ mnKvix, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
7. gnvcwiPvjK, evsjv‡`k BbwówUDU Ae e¨vsK g¨v‡bR‡g›U, wgicyi, XvKv|
8. gnvmwPe, w` BbwówUDU Ae e¨vsKvm© evsjv‡`k, weGmAviGm feb, 10g Zjv, 12, KvIivb evRvi, †ZRMuvI, XvKv|
9. †Pqvig¨vb, evsjv‡`k G‡mvwm‡qkb Ae e¨vsKm, 42, Kvgvj AvZvZzK© GwfwbD, ebvbx, XvKv|
10. †Pqvig¨vb, G‡mvwm‡qkb Ae e¨vsKvm©, evsjv‡`k, B÷vb© Kgvwk©qvj Kg‡cø·, 73, KvKivBj, XvKv|
(Bqvmwgb ingvb eyjv)

hyM¥ cwiPvjK
‡dvbt 9530010-75/2465
19
cwiwkó-K
......................... e¨vsK/e¨vsK wjt

....................kvLv
wnmve †Lvjvi Av‡e`b dig
e¨w³K wnmve
ZvwiLt............................... wnmve b¤ît ............................
BDwbK MÖvnK AvBwW †KvWt .............................
eë¯’vcK
e¨vs‡Ki bvgt ----------------
kvLvi bvgt ----------------
wcÖq g‡nv`q
Avwg/Avgiv Avcbvi kvLvq GKwU wnmve †Lvjvi Rb¨ Av‡e`b KiwQ| Avgvi/Avgv‡ì wnmve msμvšÍ I e¨w³MZ
we¯ÍvwiZ Z_¨ wb‡gœ cÖ`vb KiwQ t
1| wnmv‡ei bvg t .......................................................................................................................
2| wnmv‡ei cÖK…wZ (wUK w`b)t mÂqx PjwZ GmGbwW ¯’vqx FC RFCD NFCD
Ab¨vb¨ ........................................................................................
3| gy`ªv (wUK w`b)t UvKv Wjvi BD‡iv cvDÛ Ab¨vb¨......
4| wnmve cwiPvjbv msμvšÍ †NvlYv (wUK w`b)t GKKfv‡e †hŠ_fv‡e ‡h †Kvb GKRb RxweZRb
Ab¨vb¨ ........................................................................................................................
5| Ab¨ †Kvb e¨vs‡K cwiPvwjZ wnmve Av‡Q wK (wUK w`b)? n¨vu bv
DËi n¨vu n‡j--
e¨vsK I kvLvi bvg wnmv‡ei cÖK…wZ (wUK wPý w`b)
(K) ........................ Rgv wnmve FY wnmve Ab¨vb¨
(L) ........................ Rgv wnmve FY wnmve Ab¨vb¨
(M) ......................... Rgv wnmve FY wnmve Ab¨vb¨
(N) ........................... Rgv wnmve FY wnmve Ab¨vb¨
6| cwiPq`vbKvixi Z_¨t
(K) bvg t.................................................................
(L) wnmve bs t..................................................................
(M) kvLvi bvg t..................................................................
(N) MÖvn‡Ki mv‡_ m¤úK© t..................................................................
(O) ¯^vÿi (ZvwiLmn) t..................................................................
cwiPq`vbKvixi Z_¨ cÖZ¨vqbKvix mswkøó e¨vsK kvLvi Kg©KZ©vi bvg I ¯^vÿi t........................................
1
cwiwkó-K
7| cÖv_wgK Rgvi cwigvY t ..........................

8| GdwWAvi msμvšÍ Z_¨t cwigvYt................................................... gy`ªv t ..................................
†gqv`Kvj t eQi gvm w`b | ‡gqv`c~wZ©i ZvwiL t ..........................................
bevq‡bi †ÿ‡Î t Avmj Ges my` bevqb Kiæb
ïaygvÎ Avmj bevqb Kiæb, my` ...............................b¤î wnmv‡e Rgv Kiæb
cÖ‡hvR¨ b‡n|
9| we‡kl ¯‹xg msμvšÍ Z_¨t
¯‹x‡gi bvgt.............................................................................................................................
¯‹x‡gi †gqv`t................... GKKvjxb Rgv/ wKw¯Íi cwigvYt ................... wKw¯Íi msL¨v (evwl©K) t............
†gqv`v‡šÍ cÖ‡`qt.................................................... gvwmK cÖ‡`qt...............................................
10| GK ev GKvwaK wnmveavix bvevjK n‡j t
Avwg wbgœewY©Z wnmveavixi êa AwffveK wn‡m‡e GB g‡g© †NvlYv KiwQ †h, wnmveavix bvevjK| Zvi cÖ‡qvRbxq
Z_¨ mshy³ di‡g cÖ`vb Kiv n‡jv| wnmveavix mvevjK bv nIqv ch©šÍ wKsev Avgvi cieZx© †NvlYv bv †`qv ch©šÍ
êa AwffveK wnmv‡e wnmvewU Avgvi ¯^vÿ‡i cwiPvwjZ n‡e|
(K) wnmveavix (bvevjK) Gi bvg t...............................................................................................
(L) Awffve‡Ki bvg t............................................................bvevj‡Ki mv‡_ m¤úK© t ..................
(bvevjK Ges AwffveK - Df‡qi Rb¨B Òe¨w³ msμvšÍ Z_¨vejxÓ dig c~iY Ki‡Z n‡e Ges Dfq di‡gB AwffveK KZ©„K ¯^vÿi Ki‡Z n‡e|)
11| bwgbx msμvšÍ Z_¨vejx t GB di‡gi mv‡_ mshy³ bwgbx msμvšÍ Z_¨vejx dig h_vh_fv‡e c~iYc~e©K wnmve
†Lvjvi Av‡e`b di‡gi mv‡_ msiÿY Ki‡Z n‡e|
12| A‡_©i Drm/Drmmg~n (mywbw`©ó I we¯ÍvwiZ D‡jøL Ki‡Z n‡e)t ..........................................................
................................................................................................................................................
................................................................................................................................................
13| †Nvlbv I ¯^vÿi t
Avwg/Avgiv GB g‡g© wbðqZv cÖ`vb KiwQ †h, Avwg/Avgiv wnmve msμvšÍ hveZxq wbqgvejx/kZv©ejx c‡owQ Ges
D³ wbqgvejx/kZv©ejx †g‡b Pj‡Z eva¨ _vKe| Avwg/Avgiv mÁv‡b †NvlYv KiwQ †h, DwjøwLZ Z_¨vw` mZ¨|
Avwg/Avgiv cÖ`Ë Z‡_ï AwZwi³ mswkøó †h †Kvb cÖ‡qvRbxq Z_¨/`wjjvw` Avcbvi Pvwn`v †gvZv‡eK mieivn
Kie|
Av‡e`bKvixi bvg, ¯^vÿi I ZvwiL Av‡e`bKvixi bvg, ¯^vÿi I ZvwiL
e¨vs‡Ki eënv‡ii Rb¨

gšÍe¨ t.....................................................................................................................................
......................... .........................
......................... .........................
wnmve †Lvjvi mv‡_ mswkøó Kg©KZ©vi Aby‡gv`bKvix Kg©KZ©vi
bvghy³ mxjmn ¯^vÿi I ZvwiL bvghy³ mxjmn ¯^vÿi I ZvwiL
2
cwiwkó-K
bwgbxi
......................... e¨vsK / e¨vsK wjt Av‡jvKwPÎ
....................kvLv (MÖvnK KZ©„K
wnmve †Lvjvi dig t bwgbx msμvšÍ Z_¨vejx mZ¨vwqZ)
(ïaygvÎ e¨w³K wnmv‡ei ‡ÿ‡Î cÖ‡hvR¨ n‡e Ges G‡Ki AwaK bwgbx n‡j
GKvwaK bwgbx dig c~iY Ki‡Z n‡e|)
Avwg/Avgiv G wnmv‡ei A_© Avgvi/Avgv‡ì g„Zÿi ci wb‡gœv³fv‡e wb‡gœv³ e¨w³/e¨w³MY‡K cÖ`v‡bi Rb¨
g‡bvbxZ Kijvg| Avwg/Avgiv DwjøwLZ g‡bvbqb †h †Kvb mgq evwZj ev cwieZ©‡bi AwaKvi msiÿY Kwi| Avwg/Avgiv GB
g‡g© Av‡iv m¤§wZ Ávcb KiwQ †h, Avgvi/Avgv‡ì wb‡`©kbv †gvZv‡eK †jb‡`‡b e¨vsK †Kv‡bvfv‡e `vqe× n‡ebv|
wnmv‡ei bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. ..
wnmve b¤î t.. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. ....
bwgbxi bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. ...
wcZvi bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
gvZvi bvg t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
¯^vgx/¯¿xi bvg t.. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. .. ..
Rb¥ ZvwiL t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
¯’vqx wVKvbv t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
†ckv t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
cvm‡cvU© b¤î t ................................................................................................
RvZxq cwiPq cÎ b¤î t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
Rb¥ wbeÜb mb`cÎ b¤ît .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
wnmveavixi mv‡_ m¤úK© t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
kZKiv nvi t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
x ‡Kvb Awbevmx‡K bwgbx Kiv n‡j Ges H Awbevmx mswkøó wnmv‡ei A_© cÖvß n‡j cÖvß A_© we‡`‡k †cÖi‡Yi †ÿ‡Î we`¨gvb
‰e‡`wkK gy`ªv wbqš¿b AvB‡bi wewa weavb cÖ‡hvR¨ n‡e|
x bwgbxi cwiwPwZi †ÿ‡Î cvm‡cvU©, RvZxq cwiPqcÎ I Rb¥ wbeÜb mb`c‡Îi g‡a¨ Avewk¨Kfv‡e †h †Kvb GKwU `wjj cÖ`vb
Ki‡Z n‡e| Z‡e Rb¥ wbeÜb mb`cÎ cÖ`v‡bi †ÿ‡Î Rb¥ wbeÜb mb`c‡Îi AwZwi³ bwgbxi Av‡jvKwPÎmn †h †Kvb
cwiwPwZ cÎ cÖ`vb Ki‡Z n‡e| Av‡jvKwPÎmn cwiwPwZ cÎ bv _vK‡j †m wel‡q e¨vs‡Ki mš‘wó mv‡c‡ÿ Zv‡ì wbKU
MÖnY‡hvM¨ mgv‡Ri MY¨gvb¨ e¨w³1 KZ…©K cÖ`Ë cwiP‡qi cÖZ¨qb cÎ cÖ`vb Ki‡Z n‡e| D³ cwiwPwZ cÎ ev cÖZ¨qb cÎ
bwgbxi Av‡jvKwPÎmn n‡Z n‡e|
....................................................................... ......................................................................
Mªvn‡Ki bvg, ¯^vÿi I ZvwiL Mªvn‡Ki bvg, ¯^vÿi I ZvwiL
1 MY¨gvb¨ e¨w³ ej‡Z msm` m`m¨, wmwU K‡c©v‡ik‡bi †gqi, †WcywU †gqi I KvDwÝjiMY, cÖ_g †kªYxi †M‡R‡UW Kg©KZ©v,
cvewjK wek¦we`¨vj‡qi wkÿK, Dc‡Rjv cwil‡ì †Pqvig¨vb I fvBm †Pqvig¨vb, BDwbqb cwil‡ì †Pqvig¨vb, †cŠimfvi †gqi
I †cŠi KvDwÝjiMY, †emiKvix K‡j‡Ri Aa¨ÿ, miKvix/†emiKvix D”P we`¨vjq I miKvix cÖv_wgK we`¨vj‡qi cÖavb wkÿK,
RvZxq ˆ`wbK cwÎKvi m¤úv`K, †bvUvix cvewjK Ges AvavmiKvix, ¯^vqËkvwmZ I ivóªvqZ¡ ms¯’v I miKvix gvwjKvbvaxb e¨vs‡Ki
1g †kÖYxi Kg©KZ©vMY‡K eySv‡e|
3
cwiwkó-K
......................... e¨vsK / e¨vsK wjt

...............................kvLv
Ae¨w³K wnmve
ZvwiLt............................... wnmve b¤ît ............................
BDwbK MÖvnK AvBwW †KvWt ..............................
eë¯’vcK
e¨vs‡Ki bvgt ----------------
kvLvi bvgt ----------------
wcÖq g‡nv`q
Avwg/Avgiv Avcbvi kvLvq wbgœiƒc GKwU wnmve †Lvjvi Rb¨ Av‡e`b KiwQ| Avgvi/Avgv‡ì, cÖwZôv‡bi Ges
wnmv‡ei we¯ÍvwiZ Z_¨ wb‡gœ cÖ`vb KiwQt
1| wnmv‡ei bvg t
...........................................................................................................................
2| cÖwZôv‡bi aiY (wUK w`b)t cÖvB‡fU wjwg‡UW †Kv¤úvbx cvewjK wjwg‡UW †Kv¤úvbx Askx`vix
†hŠ_ D‡`¨vM GKK gvwjKvbv miKvix Avav miKvix/¯^vqZ¡kvwmZ GbwRI/GbwcI
K¬ve/†mvmvBwU Ab¨vb¨ (wbw`©ófv‡e).......................................................................
3| wnmv‡ei cÖK„wZ (wUK w`b)t mÂqx PjwZ GmGbwW ¯’vqx ê‡`wkK gy`ªv Ab¨vb¨.....
4| gy`ªv (wUK w`b)t UvKv Wjvi BD‡iv cvDÛ Ab¨vb¨......
5| cÖwZôv‡bi wVKvbv t
(K) †iwRóvW© wVKvbv t..............................................................................................
(L) eëmv¯’j/Awd‡mi wVKvbv t..............................................................................................
(M) KviLvbv/wkí cÖwZôv‡bi wVKvbv t.............................................................................................
6| †UªW jvB‡mÝ b¤î t .................................................... ZvwiL t .....................................
Bmy¨Kvix KZ©„cÿ t.......................................................................................................
7| wbeÜb KZ©…cÿ I †`k t......................................................................................................
(†`kx /we‡`kx Dfq ai‡Yi Rb¨)
8| wbeÜb b¤î t...................................................... ZvwiL t ..................................
9| U¨v· AvBwW b¤î (TIN) t...................................................................................................
10| f¨vU †iwRt b¤î (hw` _v‡K) t...................................................................................................
11| eëmv‡qi cÖK…wZ (we¯ÍvwiZ) t .................................................................................................
..................................................................................................
4
cwiwkó-K
12| MÖvn‡Ki Ab¨ †Kvb e¨vsK wnmve Av‡Q wK? n¨vu bv

DËi n¨vu n‡j--
e¨vsK I kvLvi bvg cwiPvjbvK…Z wnmv‡ei cÖK…wZ (wUK wPý w`b)
(K) ......................................................... Rgv wnmve FY wnmve Ab¨vb¨
(L) ......................................................... Rgv wnmve FY wnmve Ab¨vb¨
(M) ......................................................... Rgv wnmve FY wnmve Ab¨vb¨
(N) .............................................................. Rgv wnmve FY wnmve Ab¨vb¨
(O) .............................................................. Rgv wnmve FY wnmve Ab¨vb¨
13| cwiPq`vbKvixi Z_¨ t

(K) bvg t............................................................................................................
(L) wnmve bs t................................................................. ..........................................
(M) kvLvi bvg t............................................................... .............................................
(N) ¯^vÿi (ZvwiLmn) t ............................................................................................................
(O) MÖvnK/ wnmve cwiPvjbvKvix (MY) Gi mv‡_ cwiwPwZi m~Î/m¤úK© .....................................................
cwiPq`vbKvixi Z_¨ cÖZ¨vqbKvix mswkøó e¨vsK kvLvi Kg©KZ©vi bvg I ¯^vÿi t........................................
14| cÖv_wgK Rgvi cwigvY t..................................................................................................
15| GdwWAvi msμvšÍ Z_¨t cwigvYt.............................................. gy`ªv t .....................................
†gqv`Kvj t eQi gvm w`b | ‡gqv`c~wZ©i ZvwiLt...........................
bevq‡bi †ÿ‡Î t Avmj Ges my` bevqb Kiæb
ïaygvÎ Avmj bevqb Kiæb, my` ...............................b¤î wnmv‡e Rgv Kiæb
cÖ‡hvR¨ b‡n|
16| we‡kl ¯‹xg msμvšÍ Z_¨t
¯‹x‡gi bvgt..........................................................................................................................
¯‹x‡gi †gqv`t.................. GKKvjxb Rgv/ wKw¯Íi cwigvYt ................ wKw¯Íi msL¨v (evwl©K) t.............
†gqv`v‡šÍ cÖ‡`qt.................................................... gvwmK cÖ‡`qt.............................................
17| A‡_©i Drm/Drmmg~n t (wbw`©ó I we¯ÍvwiZ D‡jøL Ki‡Z n‡e)............................................................
...........................................................................................................................................................
5
cwiwkó-K
18| wnmve cwiPvjbvKvix msμvšÍ †NvlYv I ¯^vÿit

Avwg/Avgiv GB g‡g© wbðqZv cÖ`vb KiwQ †h, Avwg/Avgiv wnmve msμvšÍ hveZxq wbqgvejx/kZv©ejx c‡owQ Ges
D³ wbqgvejx/kZv©ejx †g‡b Pj‡Z eva¨ _vKe| Avwg/Avgiv mÁv‡b †NvlYv KiwQ †h, DwjøwLZ Z_¨vw` mZ¨|
Avwg/Avgiv cÖ`Ë Z‡_ï AwZwi³ mswkøó †h †Kvb cÖ‡qvRbxq Z_¨/`wjjvw` Avcbvi Pvwn`v †gvZv‡eK mieivn
Kie|
Av‡e`bKvixi ¯^vÿi, bvg, cèx, I ZvwiL
................................................. ................................................ .....................................

................................................. ................................................ .....................................
................................................. ................................................ .....................................
ÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑ
e¨vs‡Ki eënv‡ii Rb¨
gšÍe¨ t ...................................................................................................................................
......................... .........................
......................... .........................
wnmve †Lvjvi mv‡_ mswkøó Kg©KZ©vi Aby‡gv`bKvix Kg©KZ©vi
bvghy³ mxjmn ¯^vÿi I ZvwiL bvghy³ mxjmn ¯^vÿi I ZvwiL
6
cwiwkó-K
......................... e¨vsK / e¨vsK wjt e¨w³i

Av‡jvKwPÎ
....................kvLv
wnmve †Lvjvi dig t e¨w³ msμvšÍ Z_¨vejx
GB digwU cyiYc~e©K e¨w³ I Ae¨w³K wnmv‡ei g~j As‡ki mv‡_ mshy³ Ki‡Z n‡e|
ZvwiLt............................... wnmve b¤ît ..................................

BDwbK MÖvnK AvBwW †KvWt ..........................
1. wnmv‡ei bvg t ................................................................................................................
2. MÖvn‡Ki bvg/ wnmve cwiPvjbvKvixi bvg t ..............................................................................
2.wnmv‡ei mv‡_ m¤úK© (bx‡P cÖ‡hvR¨ †ÿ‡Î wUK w`b) t
1g Av‡e`bKvix 2q Av‡e`bKvix 3q Av‡e`bKvix cwiPvjK Askx`vi GKK mË¡vwaKvix
wnmveavix bvevjK AwffveK GUbx© †nvìvi wmM‡bUwiR cÖK…Z myweav‡fvMx Ab¨vb¨
3. wcZvi bvg t..............................................................................................
4. gvZvi bvg t..............................................................................................
5. ¯^vgx/¯¿xi bvg t.............................................................................................
6. RvZxqZv t..............................................................................................
7. Rb¥ ZvwiL t.............................................................................................
8. Rb¥¯’vb t.............................................................................................
9. wj½ (wUK w`b) t cyiæl gwnjv
10. †ckv (we¯ÍvwiZ D‡jøLc~e©K cÖ‡hvR¨ †ÿ‡Î e¨vs‡Ki Pvwn`v †gZv‡eK `wjjvw` cÖ`vb Ki‡Z n‡e) t
...............................................................................................................................................
11. cvm‡cvU© b¤î t ..............................................................................................
12. RvZxq cwiPqcÎ b¤î t .............................................................................................
13. Rb¥ wbeÜb mb`cÎ b¤î t .............................................................................................
[11 n‡Z 13 b¤î μwg‡K ewY©Z `wjjvw` n‡Z Avewk¨Kfv‡e †h †Kvb GKwU `wjj cÖ`vb Ki‡Z n‡e| Z‡e Rb¥ wbeÜb mb`
cÖ`vbc~e©K wnmve †Lvjvi †ÿ‡Î Rb¥ wbeÜb mb`c‡Îi AwZwi³ MÖvnK/wnmve cwiPvjbvKvixi Av‡jvKwPÎmn †h †Kvb cwiwPwZ cÎ
cÖ`vb Ki‡Z n‡e| Av‡jvKwPÎmn cwiwPwZ cÎ bv _vK‡j †m wel‡q e¨vs‡Ki mš‘wó mv‡c‡ÿ Zv‡ì wbKU MÖnY‡hvM¨ mgv‡Ri
MY¨gvb¨ e¨w³2 KZ…©K cÖ`Ë cwiP‡qi cÖZ¨qb cÎ cÖ`vb Ki‡Z n‡e| D³ cwiwPwZ cÎ ev cÖZ¨qb cÎ MÖvnK/wnmve cwiPvjbvKvixi
Av‡jvKwPÎmn n‡Z n‡e| GQvov, wb‡¤œi 14 n‡Z 16 b¤î μwg‡K ewY©Z `wjjvw`mn AwZwi³ Av‡iv ‡Kvb `wjjvw` Ges GB di‡g
DwjøwLZ Z_¨vwì AwZwi³ Z_¨ MÖvn‡Ki cwiwPwZ wbwðZ nIqvi j‡ÿ¨ e¨vs‡Ki mš‘wói Rb¨ e¨vs‡Ki Pvwn`v †gvZv‡eK cÖ`vb Ki‡Z
n‡e|]
2 MY¨gvb¨ e¨w³ ej‡Z msm` m`m¨, wmwU K‡c©v‡ik‡bi †gqi, †WcywU †gqi I KvDwÝjiMY, cÖ_g †kªYxi †M‡R‡UW Kg©KZ©v,
cvewjK wek¦we`¨vj‡qi wkÿK, Dc‡Rjv cwil‡ì †Pqvig¨vb I fvBm †Pqvig¨vb, BDwbqb cwil‡ì †Pqvig¨vb, †cŠimfvi †gqi
I †cŠi KvDwÝjiMY, †emiKvix K‡j‡Ri Aa¨ÿ, miKvix I †emiKvix D”P we`¨vjq I miKvix cÖv_wgK we`¨vj‡qi cÖavb wkÿK,
RvZxq ˆ`wbK cwÎKvi m¤úv`K, †bvUvix cvewjK Ges AvavmiKvix,¯^vqËkvwmZ I ivóªvqZ¡ ms¯’v I ivóvqZ¡ e¨vs‡Ki 1g †kÖYxi
Kg©KZ©vMY‡K eySv‡e|
7
cwiwkó-K
14. U¨v· AvBwW b¤î (hw` _v‡K) t ...........................................................................................
15. f¨vU †iwR‡óªkb b¤î (hw` _v‡K) t .............................................................................................
16. WªvBwfs jvB‡mÝ b¤î (hw` _v‡K) t ............................................................................................

17. Ab¨vb¨ (wbw`©ófv‡e D‡jøL Ki‡Z n‡e) t ----------------------------------------------------
MÖvnK/ wnmve cwiPvjbvKvixi
18. eZ©gvb wVKvbv (Avevm¯’j) t............................................................................
Proof of address Gi mc‡ÿ
19. ¯’vqx wVKvbv WKz‡g›Um msMÖn Ki‡Z n‡e
t.................................................................................
20. †ckvMZ wVKvbv t.................................................................................
21. †hvMv‡hvM t
(K) wVKvbv
(L) †Uwj‡dvb b¤î t (1) evmv ......................................... (2) Awdm .......................................
(M) †gvevBj b¤î t (1) ................................... (2) .............................................
(N) B-†gBj t......................................... (O) d¨v· b¤î t ...............................
22. †μwWU KvW© msμvšÍ Z_¨ (hw` _v‡K) t
BmÿKvix cÖwZôvb I KvW© b¤î t (K) ¯’vbxq (Local) ......................................................................
(L) AvšÍR©vwZK (International) .................................................................
23. †iwm‡W›U ÷¨vUvm (wUK w`b) t †iwm‡W›U bb-†iwm‡W›U
(cÖ‡qvRbxq †ÿ‡Î e¨vsK MvBWjvBÝ di d‡ib G·‡PÄ Uªvb‡RKkbm& Gi wb‡`©kbv AbymiY K‡i Z_¨ msMÖn Ki‡e)
¯^vÿi (ZvwiLmn)
......................... ............................
......................... ............................
wnmve †Lvjvi mswkøó Kg©KZ©vi Aby‡gv`bKvix Kg©KZ©vi
bvghy³ mxjmn ¯^vÿi bvghy³ mxjmn ¯^vÿi
8
cwiwkó-K
......................... e¨vsK / e¨vsK wjt

....................kvLv
†jb‡`‡bi AbywgZ gvÎv (Transaction Profile)
(e¨w³K I Ae¨w³K Dfq cÖK…wZi wnmv‡ei Rb¨ cÖ‡hvR¨)
wnmv‡ei bvg t
wnmve b¤î t
Rgv m¤¢ve¨ gvwmK Rgvi gv‡m m¤¢ve¨ m‡ev©”P GKK Rgvi m¤¢ve¨ gvwmK ‡gvU Rgvi
msL¨v cwigvY cwigvY
bM` Rgv (‡h †Kvb kvLv I GwUGg Rgvmn)
UªvÝdvi/ BÝUªy‡g›U Gi gva¨‡g Rgv
d‡ib †iwgU¨vÝ Rgv
ißvbx n‡Z Avq
Ab¨vb¨ (wbw`©ófv‡e)..........................
†gvU m¤¢ve¨ gvwmK Rgvi cwigvY

m¤¢ve¨ gvwmK gv‡m m¤¢ve¨ m‡ev©”P GKK m¤¢ve¨ gvwmK ‡gvU D‡Ëvj‡bi
D‡Ëvj‡bi msL¨v D‡Ëvj‡bi cwigvY cwigvY
D‡Ëvjb
bM` D‡Ëvjb (†h †Kvb kvLv I GwUGg D‡Ëvjbmn)

UªvÝdvi/BÝUªy‡g›U Gi gva¨‡g cwi‡kva
d‡ib †iwgU¨vÝ D‡Ëvjb
Avg`vbx eve` e¨q
Ab¨vb¨ (wbw`©ófv‡e)...........................
†gvU m¤¢ve¨ gvwmK D‡Ëvj‡bi cwigvY
Avwg/Avgiv wbgœ¯^vÿiKvix(MY) G g‡g© wbðqZv cÖ`vb KiwQ †h, †jb‡`‡bi AbywgZ gvÎv Avgvi/cÖwZôv‡bi ¯^vfvweK m¤¢ve¨
†jb‡`b| Avwg/Avgiv Av‡iv wbðqZv cÖ`vb KiwQ †h, cÖ‡qvRb‡ev‡a Avwg/Avgiv †jb‡`‡bi AbywgZ gvÎv ms‡kvab/nvjbvMv`
Kie|
1| MÖvnK/wnmve cwiPvjbvKvix 2| MÖvnK/wnmve cwiPvjbvKvix

¯^vÿi t ¯^vÿi t
bvg t bvg t
cèx t cèx t
ZvwiL t ZvwiL t
m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv MÖnYKvix e¨vsK Kg©KZ©vi bvgt

cèxt
¯^vÿit
9
cwiwkó-K
MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form) t

(we‡kl ¯‹xg/¯’vqx Avgvb‡Zi †¶‡Î cÖ‡hvR¨)
1. wnmv‡ei bvg t
2. wnmv‡ei cÖK…wZ t
3. wnmve b¤î t
4. BDwbK MÖvnK AvBwW †KvW t
5. MÖvn‡Ki †ckv (we¯ÍvwiZ) t
6. MÖvn‡Ki gvwmK m¤¢ve¨ Avq t
7. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) t
8. A‡_©i Drm wbwðZ Kiv Kivi †¶‡Î msM„nxZ `wjjvw` t
9. wnmveavixi wVKvbv(mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ)? ....................................................
10. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) m¤úwK©Z Z_¨vw` t (‡Kv¤úvbxi †ÿ‡Î wbqš¿YKvix †kqvi
†nvìvi A_ev 20% ev Z`yaŸ© GKK †kqvi †nvìvi‡K wnmv‡ei cÖK„Z myweav‡fvMx we‡ePbvq Zvi/Zv‡ì cwiwPwZi
mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e e¨w³K wnmv‡ei †ÿ‡ÎI cÖK…Z myweav‡fvMx wPwýZKiZt
†KIqvBwm m¤úv`b Ki‡Z n‡e)
11. cvm‡cvU© b¤î t ........................................ d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
12. RvZxq cwiPqcÎ b¤î t .............................. d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
13. Rb¥ wbeÜb mb`cÎ b¤î t ............................ d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ † ¶‡Î)
14. U¨v· AvBwW b¤î t .................................... d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
15. f¨vU †iwRt b¤î t ...................................... d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
16. WªvBwfs jvB‡mÝ b¤î t ................................. d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
17. Ab¨vb¨ t ...............................................................................................................
18. Awbevmx (Non-resident) Ges we‡`kx‡ì wnmve †Lvjvi D‡Ïk¨t (cÖ‡hvR¨
†ÿ‡Î)................................................
(K) wfmvi cÖK…wZ..................................................................................

(L) Kg©vbygwZ (Work Permit) cÖvß‡ì wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ I
e¨vsK wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b i‡q‡Q wKbv? t nüv / bv (cÖ‡hvR¨†ÿ‡Î)
..................................................................................................................................
19. cwjwUK¨vwj G·‡cvmW& cvimbm& (PEPs)/cÖfvekvjx e¨w³/ AvšÍR©vwZK ms¯’vi cÖavb Ges Zv‡ì
close assosiates Gi †ÿ‡Î (G mvK©yjv‡i ewY©Z msÁv Abymv‡i) t (cÖ‡hvR¨ †ÿ‡Î)
K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv? nüv / bv
L. MÖvn‡Ki ms‡M gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q t nüv / bv
20. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡ì wewfbœ
†iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kvh© I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b RwoZ m‡›`‡n
10
cwiwkó-K
ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ
mËvi bv‡gi ZvwjKvi mv‡_ hvPvB evQvBc~e©K†Kvbiƒc wgj cvIqv wM‡q‡Q wKbv ? t nüv / bv
21. DËi nu¨v n‡j G welqK M„nxZ eë¯’vi weeiY t
22. wi¯‹ †MÖwWs t

D”P wb¤œ
(e¨vsK MÖvn‡Ki eëmv‡qi ev †ckvi cÖK…wZ, eëmv‡qi GjvKv, eëmv‡qi AvKvi, wnmv‡ei cÖK…Z myweav‡fvMx cÖf…wZ welqmg~n
we‡ePbvq wb‡q MÖvn‡Ki SuywK wba©viY Ki‡e Ges Zvi mc‡ÿ gšÍe¨ cÖ`vb Ki‡e)
cÖ¯‘ZKvix t Aby‡gv`bKvix Kg©KZ©v t

(kvLv eë¯’vcK)
(wnmve †Lvjvi mswkøó Kg©KZ©v e¨wZ‡i‡K
Ab¨ †Kvb Kg©KZ©v/ kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZ©v)
¯^vÿi (mxjmn) t ¯^vÿi (mxjmn) t

bvg t bvg t
ZvwiL t ZvwiL t
23. wnmve I MÖvnK msμvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiLt
................................................................................................................................
ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©vi

bvg (mxjmn) ¯^v¶i I ZvwiL
11
cwiwkó-K
MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form) t

(we‡kl ¯‹xg/¯’vqx AvgvbZ e¨ZxZ e¨w³ I cÖwZôv‡bi Ab¨vb¨ wnmve †Lvjvi †ÿ‡Î cÖ‡hvR¨)
1. wnmv‡ei bvg t
2. wnmv‡ei cÖK…wZ t
3. wnmve b¤î t
4. BDwbK MÖvnK AvBwW †KvW t
5. MÖvn‡Ki †ckv (we¯ÍvwiZ) t
6. MÖvn‡Ki gvwmK m¤¢ve¨ Avq t
7. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) t
8. A‡_©i Drm wbwðZ Kiv Kivi †¶‡Î msM„nxZ `wjjvw` t
9. wnmveavixi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ)? .............................................
...............................................................................................................................
10. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) m¤úwK©Z Z_¨vw` (‡Kv¤úvbxi †ÿ‡Î 20% ev Gi AwaK
GKK †kqvi †nvìvi Gi we¯ÍvwiZ Z_¨vw` msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e | GQvovI †Kv¤úvbxi wbqš¿bKvix
†kqvi †nvìvi Gi we¯ÍvwiZ Z_¨vw` msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e| e¨w³K wnmv‡ei †ÿ‡ÎI cÖK…Z
myweav‡fvMx wPwýZKiZt †KIqvBwm m¤úv`b Ki‡Z n‡e) |
11. cvm‡cvU© b¤î t ........................................ d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
12. RvZxq cwiPqcÎ b¤î t .............................. d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
13. Rb¥ wbeÜb mb`cÎ b¤î t ............................ d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
14. U¨v· AvBwW b¤î t .................................... d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
15. f¨vU †iwRt b¤î t ...................................... d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
16. WªvBwfs jvB‡mÝ b¤î t ................................. d‡UvKwc M„nxZ wKbv? t nüv / bv (cÖ‡hvR¨ †¶‡Î)
17. Ab¨vb¨ t -------------------------------------------------------------------------------------
18. Awbevmx (Non-resident) Ges we‡`kx‡ì wnmve †Lvjvi D‡Ïk¨t (cÖ‡hvR¨ †ÿ‡Î)
...............................................................................................................................
(K) wfmvi cÖK…wZ..................................................................................
(L) Kg©vbygwZ (Work Permit) cÖvß‡ì wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ I
e¨vsK wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b i‡q‡Q wKbv? t nüv / bv (cÖ‡hvR¨†ÿ‡Î)
19. cwjwUK¨vwj G·‡cvmW& cvimbm& (PEPs)/cÖfvekvjx e¨w³/ AvšÍR©vwZK ms¯’vi cÖavb Ges Zv‡ì
close assosiates Gi †ÿ‡Î (G mvK©yjv‡i ewY©Z msÁv Abymv‡i) t (cÖ‡hvR¨ †ÿ‡Î)
K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv? nüv / bv
L. MÖvn‡Ki ms‡M gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q t nüv / bv
12
cwiwkó-K
20. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡ì wewfbœ
†iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kvh© I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b RwoZ m‡›`‡n
ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ
mËvi bv‡gi ZvwjKvi mv‡_ hvPvB evQvBc~e©K†Kvbiƒc wgj cvIqv wM‡q‡Q wKbv ? t nüv / bv
21. DËi nu¨v n‡j G welqK M„nxZ eë¯’vi weeiY t
22. MÖvnK wK K‡ib/cÖwZôvbwU wK ai‡Yi eëmv‡q wb‡qvwRZ i‡q‡Q?
μwgK bs cÖK…wZ wi¯‹ †j‡fj ‡¯‹vi

01 Ry‡qjvix eëmv/¯^‡Y©i eëmv /g~jëvb avZzi eëmv D”P 5
02 gvwb †PÄvi /Kzwiqvi mvwf©m/‡gvevBj e¨vswKs D”P 5
G‡R›U/G‡R›U e¨vswKs
03 wi‡qj G‡÷U †Wfjcvi/ G‡R›U D”P 5
04 wbg©vY cÖK‡íi wVKv`vi D”P 5
05 Ad‡mvi K‡c©v‡ikb D”P 5
06 wPÎKjv/A¨vw›U‡Ki wWjvi D”P 5
07 ‡iu‡¯Íviv/evi/bvBU K¬ve/AvevwmK †nv‡Uj/cvj©vi eëmv D”P 5
08 Avg`vbx/ißvbx I Avg`vbx/ißvbx G‡R›U D”P 5
09 Mv‡g©›Um eëmv D”P 5
10 ‡kqvi/÷K wWjvi, †eªvKvi, †cvU©‡dvwjI g¨v‡bRvi, D”P 5
gv‡P©›U e¨vsKvi
11 ‡kqvi/÷K eëmvq wewb‡qvMKvix D”P 5
12 GbwRI/GbwcI D”P 5
13 Rbkw³ ißvbx eëmv D”P 5
14 Pjw”PÎ cÖ‡hvRbv/cwi‡ekbv ms¯’v D”P 5
15 A‡¯¿i eëmv D”P 5
16 †gvevBj †dvb Acv‡iUi D”P 5
17 ivR‰bwZK `j D”P 5
18 K¬ve D”P 5
19 †mvmvBwU D”P 5
20 Uªv÷ D”P 5
21 P¨vwiwU D”P 5
22 Uªv‡fj G‡R›U D”P 5
23 cwienb eëmvqx D”P 5
24 A‡UvwWjvi (wiKwÛkÛ Mvox) D”P 5
25 Kw¤úDUvi/†gvevBj †dv‡bi wWjvi D”P 5
26 ‡d«BU/wkwcs/Kv‡Mv© G‡R›U D”P 5
27 wjwRs/dvBb¨vÝ †Kv¤úvbx ga¨g 3
28 BÝy¨‡iÝ/†eªvKv‡iR G‡RÝx ga¨g 3
29 agx©q cÖwZôvb/ms¯’v ga¨g 3
30 we‡bv`bKvix cÖwZôvb/cvK© ga¨g 3
31 ‡gvUi cvU©m Gi eëmv ga¨g 3
13
cwiwkó-K
32 ZvgvK I wmMv‡i‡Ui eëmv ga¨g 3

33 Drcv`bKvix cÖwZôvb ga¨g 3
34 PvKzix (†eZb wnmve e¨ZxZ Ab¨ wnmve) ga¨g 3
35 QvÎ ga¨g 3
36 M„wnbx ga¨g 3
37 A‡Uv cÖvBgvix (bZzb Mvox) ga¨g 3
38 ‡`vKv‡bi gvwjK (LyPiv) wbgœ 2
39 eëmv-G‡R›U wbgœ 2
40 ¶z`ª eëmvqx (evwl©K Uvb©Ifvi 50 jÿ UvKvi bx‡P) wbgœ 2
41 evox wbgv©Y mvgMÖxi eëmv wbgœ 2
42 mdU&Iq¨vi eëmv wbgœ 2
43 PvKzix (ïaygvÎ †eZb wnmve) wbgœ 1
44 PvKzix n‡Z Aemi MÖnYKvix wbgœ 1
45 K…wlRxex wbgœ 1
46 Ab¨vb¨
(e¨vsK MÖvn‡Ki eëmv‡qi ev †ckvi cÖK…wZ, eëmv‡qi GjvKv, eëmv‡qi AvKvi, wnmv‡ei cÖK…Z myweav‡fvMx cÖf…wZ
welqmg~n we‡ePbvq wb‡q MÖvnK †f‡` 27-46 μwg‡K DwjøwLZ †ckvi †ÿ‡Î ewY©Z †¯‹vi A‡cÿv D”PZi †¯‹vi
cÖ`vb Ki‡e|)
23. MÖvn‡Ki bxU m¤ú‡ì (Net Worth) cwigvY t
cwigvY (UvKvq) wi¯‹ †j‡fj wi¯‹ †iwUs

1-50 j¶ wbgœ 0
>50 j¶- 2 †KvwU ga¨g 1
>2†KvwU D”P 3
24. wnmve †Lvjvi aiY t
aiY wi¯‹ †j‡fj wi¯‹ †iwUs

wi‡jkbkxc g¨v‡bRvi/kvLv KZ©„K wbgœ 0
WvB‡i± †mjm& G‡R›U KZ©„K ga¨g 2
B›Uvi‡bU D”P 3
AhvwPZ/ ¯^cÖ‡Yvw`Zfv‡e D”P 3
25.MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi cwigvY t
PjwZ wnmv‡e †jb‡`‡bi mÂqx wnmv‡e †jb‡`‡bi wi¯‹ †j‡fj wi¯‹ †iwUs
cwigvY (j¶ UvKvq) cwigvY (j¶ UvKvq)
0-10 0-5 wbgœ 0
>10-50 >5-20 ga¨g 1
>50 >20 D”P 3
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26. MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi msL¨v t

PjwZ wnmv‡e †jb‡`‡bi msL¨v mÂqx wnmv‡e †jb‡`‡bi msL¨v wi¯‹ †j‡fj wi¯‹ †iwUs
0-100 0-20 wbgœ 0
>100-250 >20-50 ga¨g 1
>250 >50 D”P 3
27. MÖvn‡Ki AbywgZ gvwmK bM` †jb‡`‡bi cwigvY t
cwigvY (jÿ UvKvq) cwigvY (jÿ UvKvq)
0-10 0-2 wbgœ 0
10-25 2-7 ga¨g 1
>25 >7 D”P 3
28. MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi msL¨v t
msL¨v msL¨v
0-15 0-5 wbgœ 0
15-30 5-10 ga¨g 1
>30 >10 D”P 3
29. mvwe©K SzuwK wbiƒcY (Dc‡ii 22 n‡Z 28 b¤î μwgK ch©šÍ wi¯‹ †iwUs Gi †hvMdj) t
wi¯‹ †iwUs SuywKi cÖK…wZ
>=14 D”P
<14 wbgœ
gšÍe¨ t
(* wi¯‹ †iwUs 14 Gi Kg n‡jI KviY D‡jøLc~e©K Subjective we‡ePbvq MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i)
cÖ¯‘ZKvix t Aby‡gv`bKvix Kg©KZ©v t

(wnmve †Lvjvi mswkøó Kg©KZ©v e¨wZ‡i‡K (kvLv eë¯’vcK)
Ab¨ †Kvb Kg©KZ©v/ kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZ©v)
¯^vÿi (mxjmn) t ¯^vÿi (mxjmn) t

bvg t bvg t
ZvwiL t ZvwiL t
30. wnmve I MÖvnK msμvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiLt
ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©v t
¯^v¶i (mxjmn) t
bvg t
ZvwiL t
15
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Ae¨w³K wnmv‡ei Rb¨ cÖ‡qvRbxq Z_¨vwì wb‡`©kK (Indicative) ZvwjKv|\

( cÖ‡Z¨K e¨vsK h_vh_fv‡e MÖvn‡Ki cwiwPwZ I Customer Due diligence m¤úv`b Kivi D‡Ï‡k¨ e¨vs‡Ki
mš‘wó mv‡c‡ÿ G ZvwjKvq ewY©Z Z‡_ï AwZwi³ Z_¨ I `wjjvw` msMÖn Ki‡Z cvi‡e| Ôe¨vs‡Ki mš‘wó
mv‡c‡ÿÕ Gi e¨vL¨v g~j mvKz©jv‡ii 3.2 (3) Aby‡”Q‡` cÖ`vb Kiv n‡q‡Q)|
(K) K‡c©v‡iU ev eëmvwqK cÖwZôv‡bi wnmve t
(1) e¨w³ gvwjKvaxb cÖwZôvb t †UªW jvB‡mÝmn wnmve cwiPvjbvKvixi (cÖwZôv‡bi ¯^ËvwaKvixi) wel‡q Òe¨w³
msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|
(2) cvU©bvikxc t cvU©bvikxc wWW, †UªW jvB‡mÝmn Askx`viM‡Yi cwiwPwZi wel‡q Òe¨w³ msμvšÍ Z_¨vejxÓ
dig h_vh_fv‡e c~iYmn †ewbwdwkqvj Ibvi Gi msÁv Abyhvqx cÖ‡Z¨K cvU©bvi/‡kqvi‡nvìv‡ii dig c~iY
Ki‡Z n‡e|
(3) wjwg‡UW †Kv¤úvbx t mvwU©wd‡KU Ae BbK‡c©v‡ikb, AvwU©‡Kjm Ae G‡mvwm‡qkb, †g‡gv‡iÛvg Ae
G‡mvwm‡qkb, †ev‡W©i mfvq M„nxZ AvbyôvwbK wm×všÍ (resolution), cwiPvjK m¤úwK©Z †NvlYv Ges wnmve
cwiPvjbvKvixi wel‡q Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iYmn †ewbwdwkqvj Ibvi Gi msÁv
Abyhvqx cÖ‡Z¨K cwiPvj‡Ki/‡kqvi‡nvìv‡ii Òe¨w³ msμvšÍ Z_¨vejxÓ dig c~iY Ki‡Z n‡e| (†Kv¤úvbx ev
Zuvi cwiPvjKM‡Yi wel‡q cÖ‡qvR‡b Z_¨vwì mwVKZv hvPvB‡qi j‡ÿ¨ †iwR÷ªvi Ae R‡q›U ÷K †Kv¤úvbxR
GÛ dvg©m& Gi mvnvh¨ MÖnY Kiv †h‡Z cv‡i| evsjv‡`‡ki evB‡i wbewÜZ †Kv¤úvbxi †ÿ‡Î wbeÜb `wjjvw` †h
¯’vb n‡Z Bmy¨K…Z n‡q‡Q, cÖ‡qvR‡b ‡mLv‡b †hvMv‡hvM K‡i `wjjvwì h_v_©Zv m¤ú‡K© wbwðZ nIqv ‡h‡Z
cv‡i)|
(L) miKvix wnmve (wewfbœ gš¿Yvjq, wefvMmn), miKvix gvwjKvbvaxb cÖwZôvb, Avav miKvix ev ¯^vqËkvwmZ
cÖwZôv†bi wnmve, wewfbœ gš¿Yvj‡qi Aax‡b cwiPvwjZ cÖK‡íi wnmve t wnmve †Lvjv I cwiPvjbvi Rb¨ mswkøó
Dchy³ KZ©„cÿ KZ©„K cÖ`Ë AbygwZ cÎmn wnmve cwiPvjbvKvixi Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e
c~iY Ki‡Z n‡e|
(M) Ab¨vb¨ msMV‡bi wnmve t
(1) K¬ve/†mvmvBwU t Awdm Kg©KZ©vM‡Yi weeiY (office bearers), evB-jR ev msweavb, †iwR÷vW© n‡j miKvix
Aby‡gv`bcÎ BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|
(2) mgevq mwgwZ/wjwg‡UW †mvmvBwU t †Kv-Acv‡iwUf Kg©KZ©v KZ©„K mZ¨vwqZ evB-jR, Awdm Kg©KZ©v‡ì
(office bearers) weeiY, wnmve ‡Lvjvi wel‡q wm×všÍ (resolution), mvwU©wd‡KU Ae †iwR‡÷ªkb
BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|
(3) ‡emiKvix ¯‹zj, K‡jR, gv`ªvmv t Mfwb©s ewW ev g¨v‡bwRs KwgwUi m`m¨M‡Yi c~Y© cwiwPwZ, wnmve ‡Lvjvi
wel‡q wm×všÍ (resolution) BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|
(4) Uªvw÷ t wWW Ae Uªv÷ Gi mvwU©dvBW Kwc, Uªvwó †evW© Gi m`m¨M‡Yi c~Y© cwiwPwZ, wnmve ‡Lvjvi wel‡q
wm×všÍ (resolution) BZ¨vw`mn mswkøó Òe¨w³ msμvšÍ Z_¨vejxÓ dig h_vh_fv‡e c~iY Ki‡Z n‡e|
16
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ANTI-MONEY LAUNDERING & COMBATING FINANCING of TERRORISM

QUESTIONNAIRE FOR CORESPONDENT RELATIONSHIP
A. BASIC INFORMATION
1. Name of Institution: ____________________________________________
2. Registered Address: ____________________________________________
____________________________________________
3. Website Address: ____________________________________________
4. Principal Business Activities: ______________________________________
5. Regulatory Authority: ____________________________________________
6. Operational Status:
• Does your Bank maintain a physical presence in the licensing country? Yes / No
B. OWNERSHIP / MANAGEMENT
7. Is your institution listed on any stock exchange? Yes / No
If so, which stock exchange?
___________________________________________________
8. If ‘’No’’ to Q7, please provide a list of the major shareholders
holding more than 10% shares in your institution.
___________________________________________________
___________________________________________________
C. ANTI-MONEY LAUNDERING AND TERRORIST FINANCING CONTROLS

If you answer “no” to any question, additional information can be supplied at the end of the questionnaire.
I. General AML&CFT Policies, Practices and Procedures:
9. Does your institution have in place policies and procedures approved Yes / No
by your institution’s board or senior management to prevent Money
Laundering and Combat Financing of Terrorism?
10. Does your institution have a legal and regulatory compliance Yes / No
program that includes a designated officer that is responsible for
coordinating and overseeing the AML/CFT framework?
11. Has your institution developed written policies documenting the Yes / No
processes that they have in place to prevent, detect and report
suspicious transactions?
12. Does your institution have a policy prohibiting accounts/relationships Yes / No

with shell banks? (A shell bank is defined as a bank incorporated in a
jurisdiction in which it has no physical presence and which is
unaffiliated with a regulated financial group.)
13. Does your institution permit the opening of anonymous or numbered Yes / No
accounts by customers?
14. Does your institution have policies to reasonably ensure that they will Yes / No
not conduct transactions with or on behalf of shell banks through any
of its accounts or products?
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15. Does your institution have policies covering relationships with Yes / No
Politically Exposed Persons (PEP’s), their family and close
associates?
16. Does your institution have policies and procedures that require Yes / No
keeping all the records related to customer identification and their
transactions?
If ‘’Yes’’, for how long?____________________________________
II. Risk Assessment

17. Does your institution have a risk-based assessment of its customer Yes / No
base and their transactions?
18. Does your institution determine the appropriate level of enhanced Yes / No
due diligence necessary for those categories of customers and
transactions that the FI has reason to believe pose a heightened risk
of illicit activities at or through the FI?
III. Know Your Customer, Due Diligence and Enhanced Due Diligence
19. Has your institution implemented processes for the identification of Yes / No
those customers on whose behalf it maintains or operates accounts or
conducts transactions?
20. Does your institution have a requirement to collect information Yes / No

regarding its customers’ business activities?
21. Does your institution have a process to review and, where Yes / No
appropriate, update customer information relating to high risk client
information?
22. Does your institution have procedures to establish a record for each Yes / No
new customer noting their respective identification documents and
‘Know Your Customer’ information?
23. Does your institution complete a risk-based assessment to understand Yes / No

the normal and expected transactions of its customers?
IV. Reportable Transactions for Prevention and Detection of ML/TF

24. Does your institution have policies or practices for the identification Yes / No
and reporting of transactions that are required to be reported to the
authorities?
25. Where cash transaction reporting is mandatory, does your institution Yes / No
have procedures to identify transactions structured to avoid such
obligations?
26. Does your institution screen customers and transactions against lists Yes / No
of persons, entities or countries issued by government/competent
authorities or under the UN security Council Resolution?
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27. Does your institution have policies to reasonably ensure that it only Yes / No
operates with correspondent banks that possess licenses to operate in
their countries of origin?
IV. Transaction Monitoring

28. Does your institution have a monitoring program for unusual and Yes / No
potentially suspicious activity that covers funds transfers and
monetary instruments such as travelers checks, money orders, etc?
V. AML Training
29. Does your institution provide AML& CFT training to relevant Yes / No
employees of your organisation?
30. Does your institution communicate new AML related laws or Yes / No
changes to existing AML related policies or practices to relevant
employees?
31. Does your institution provide AML training to relevant third parties Yes / No
if they are employed to carry out some of the functions of your
organisation?
Space for additional information:

(Please indicate which question the information is referring to.)
..........................................................................................................................................................................
..........................................................................................................................................................................
..........................................................................................................................................................................
................................................................................................................................
D. GENERAL
32. Does the responses provided in this Declaration applies to the Yes / No
following entities:
x Head Office and all domestic branches
x Overseas branches
x Domestic subsidiaries
x Overseas subsidiaries
If the response to any of the above is ‘’No’’, please provide a list of the branches and /or subsidiaries that
are excluded, including the name of the institution, location and contact details.
I, the undersigned, confirm to the best of my knowledge that the information provided in this
questionnaire is current, accurate and representative of the anti-money laundering and anti-terrorist
financing policies and procedures that are established in my institution.
I also confirm that I am authorized to complete this questionnaire on behalf of my institution.
Signature: ____________________________________
Name: ____________________________________
Designation: ____________________________________
Date: ____________________________________
Contact No: ____________________________________
Email: ____________________________________
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SUSPICIOUS TRANSACTION REPORT (STR) FORM

A. Reporting Institution :
1. Name of the Bank:
2. Name of the Branch:
B. Details of Report:
1. Date of sending report:
2. Is this the addition of an earlier report? Yes No
3.If yes, mention the date of previous report
C. Suspect Account Details :

1. Account Number:
2. Name of the account:
3. Nature of the account:
(Current/savings/FDR/loan/other, pls. specify)
4. Nature of ownership:
(Individual/proprietorship/partnership/company/other, pls. specify)
5.Date of opening/Transaction:
6. Address:
D. Account holder details :

1. 1. Name of the account holder:
2. Address:
3. Profession:
4. Nationality:
5. Other account(s) number (if any):
6. Other business:
7. Father’s name:
8. Mother’s Name:
9. Date of birth:
10.Place of birth:
11.Passport No.
12.National Identification No.
13. Birth Regoistration No.
14. TIN:
2. 1. Name of the account holder:

2. Relation with the account
holder mention in sl. no. D1
3. Address:
4. Profession:
5. Nationality:
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6. Other account(s) number(if any):

7. Other business:
8. Father’s name:
9. Mother’s Name:
10. Date of birth:
11. Place of birth:
12.Passport No.
13.National Identification No.
15. TIN:
E. Introducer Details :
1. Name of introducer:
2. Account number:
3.Relation with account holder:
4. Address:
5. Date of opening:
6. Whether introducer is maintaining
good relation with bank
F. Reasons for considering the transaction(s) as suspicious?

(Mention summery of suspicion and consequence of events)
a. Identity of clients [To be filled by the BAMLCIO]
b. Activity in account
c. Background of client
d. Multiple accounts
e. Nature of transaction
f. Value of transaction
g. Other reason (Pls. Specify)
G. Suspicious Activity Information

Summary characterization of suspicious activity:
a. Corruption and k. murder, grievous u. terrorism or financing in terrorist
bribery physical injury activities
b. counterfeiting l. trafficking of women v. adulteration or the manufacture of

currency and children goods through infringement of title
c. Counter feiting m black marketing w. offences relating to the environment

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deeds and .
documents
d. extortion n. smuggling of domestic x. sexual exploitation
and foreign currency
e. fraud o. Theft or robbery or y. insider trading and market

dacoity or piracy or manipulation
hijacking of aircraft
f. forgery p. human trafficking z. organized crime, and participation in

organized criminal groups
g. illegal trade of q. dowry aa. racketeering

firearms
h. illegal trade in r smuggling and bb. Other(Please

narcotic drugs, offences related to specify)
psychotropic customs and excise
substances and duties
substances causing
intoxication
i. illegal trade in stolen s. tax related offences
and other goods
j. kidnapping, illegal t. infringement of

restrain and hostage intellectual property
taking rights
H. Transaction/Attempted Transaction Details:

Sl. no. Date Amount Type*
*Cash/Transfer/Clearing/TT/etc.
Add paper if necessary
I. Counter Part’s Details (Where Applicable)

Sl. no. Date Bank Branch Account no. Amount
J. Has the suspicious transaction/activity had a material impact on or

otherwise affected the financial soundness of the bank? Yes No
K. Has the bank taken any action in this context? If yes, give details.
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L. Documents to be enclosed
1. Account opening form along with submitted documents
2. KYC Profile, Transaction Profile
3. Account statement for last one year
4. Supporting Voucher/correspondence mention in sl. no. H
5. Others
Signature :
(CAMLCO or authorized officer of CCU)
Name :
Designation :
Phone :
Date :
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SUSPICIOUS TRANSACTION REPORT (STR) FORM

(WIRE TRANSFER/MOBILE FINANCIAL SERVICE)
A. Reporting Institution:
1. Name of the Institution:
2. Name of the Branch/Agent:
3. Service Place of the Branch/Agent:
4. Agent Identification / ID:(If applicable)
B. Details of Report:
1. Date of sending report:
2. Is this the addition of an earlier report? Yes No
3. If yes, mention the date of previous report
C. Suspect Details:
1. Name:
2. Address:
3. Profession/Business:
4. Nationality/Ownership status:
5. Father’s name/ Proprietor’s name:
6. Mother’s Name (where necessary):
7. Date of birth (where necessary):
8. Place of birth:
9. Passport No.
10. National Identification No.
12. Contact Details:
Mobile No-
Email-
13. Any other important Information:
D. Suspicious Transaction/Attempted Transaction Details :
Sl. no. Date Amount Type
E. Reasons for considering the transaction(s) as unusual/suspicious?
(Mention summary of suspicion and consequence of events)

(Use separate sheet, if needed)
F. List of Documents attached with the report
Signature:
(CAMLCO or authorized officer of CCU)
Name:
Designation:
Phone No:
Date:
cwiwkó-O
----- e¨vsK wjt
ÑÑÑÑ kvLv|
kvLv KZ©„K Self Assessment c×wZi gva¨‡g wbR¯^ Ae¯’vb wbY©q
cÖwZwU e¨vsK kvLv gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD
KZ©„K mgq mgq RvixK…Z wb‡`©kbv I e¨vs‡Ki wbR¯^ gvwb jÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjvi
Av‡jv‡K wbgœewY©Z cÖkœgvjvi we¯ÍvwiZ DËi cÖ`v‡bi gva¨‡g Self Assessment c×wZ‡Z wb‡R‡ì Ae¯’vb wbY©q Ki‡e t
cÖkœgvjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZe¨ Kvh©μg/mycvwik
1. kvLvq †gvU Kg©KZ©vi msL¨v KZ cÖwkÿY msμvšÍ †iKW©
(c`vbyhvqx)? KZRb Kg©KZ©v gvwbjÛvwis hvPvB Ki‡Z n‡e|
cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva
welqK AvbyôvwbK cÖwkÿY MÖnY
K‡i‡Qb ? (kZKiv nvi)
2.K) kvLvi gvwbjÛvwis cÖwZ‡iva cwicvjb BAMLCO KZ©„K –
Kg©KZ©v (BAMLCO) ‡Rô¨ I AwfÁ KYC Kvh©μ‡gi
wKbv? weMZ `yB eQ‡i wZwb gvwbjÛvwis h_v_©Zv gwbUwis Kiv
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva nq wKbv?
h_vh_fv‡e
welqK †Kvb cÖwkÿY †c‡q‡Qb wK bv?
Transaction
L) kvLvq gvwb jÛvwis cÖwZ‡iva Kvh©μg
gwbUwis Ges
h_vwbq‡g cwicvwjZ n‡”Q G welqwU m‡›`nRbK †jb‡`b
wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw`©ó I wi‡cvU© (B›Uvibvj
MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki wi‡cvU©©mn) Kiv nq
cÖwμqvq gwbUwis I ch©v‡jvPbv K‡i wKbv?
_v‡Kb wKbv? h_vh_fv‡e †iKW©
msiÿY Kiv nq
wKbv?
CTR hvPvB Ges STR
mbv³Ki‡Y eë¯’v
†bqv nq wKbv?
‰e‡`wkK gy`ªvi
BbIqvW© I
AvDUIqvW©†jb‡`b
gwbUwis Kiv n‡”Q
wKbv?
1
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3. BAMLCO mn kvLvi Kg©KZ©vMY

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb welqwU hvPvB‡qi
cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, c×wZ Kx?
weGdAvBBD KZ©„K mgq mgq RvixK…Z
wb‡`©kbv I e¨vs‡Ki wbR¯^ gvwb jÛvwis
cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva
bxwZgvjv m¤ú‡K© AewnZ Av‡Qb wK?
4. kvLv ch©v‡q ‰ÎgvwmK wfwË‡Z gvwb jÛvwis mfvi Av‡jvP¨m~wP
I mš¿v‡m A_©vqb cÖwZ‡iva welqK mfv mK‡ji AeMwZi Rb¨
eÈb Kiv nq wKbv?
AbywôZ nq wKbv?
mfvq Kx Kx
¸iæZ¡c~Y© wm×všÍ M„nxZ
n‡q‡Q?
mfvq M„nxZ wm×všÍ
wKfv‡e ev¯ÍevwqZ
nq?
5. mKj cÖKvi wnmve †Lvjv I †jb‡`b MÖvnK cwiwPwZi
cwiPvjbvi †ÿ‡Î gvwb jÛvwis cÖwZ‡iva h_v_©Zv wKfv‡e hvPvB
Kiv nq? wKfv‡e Zv
AvBb, mš¿vm we‡ivax AvBb Ges mg‡q
kvLvq msiÿY Kiv
mg‡q weGdAvBBD KZ©„K RvixK„Z n‡”Q?
wb‡`©kbv Abymv‡i MÖvnK cwiwPwZ KYC m¤úv`bKv‡j
m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ? MÖvn‡Ki Znwe‡ji
Drm hvPvB Kiv nq
wKbv?
wnmv‡ei cÖK…Z
myweav‡fvMx
(Beneficial
Owner) mbv³ Kiv
nq wKbv Ges Zv
hvPvB Gi cÖwμqv
m‡šÍvlRbK wKbv?
D”P SzuwKwewkó
MÖvnK‡ì †ÿ‡Î SuywKi
wbix‡L AwZwi³ Z_¨
(EDD) msMÖn Kiv
nq wKbv?
6. K) SzuwKi wfwË‡Z kvLv Zv‡ì MÖvnK‡ì K‡i _vK‡j G ch©šÍ
†kªYxweb¨vm/†kªYxKiY K‡i wKbv? KZwU D”P SzuwK m¤úbœ
wnmve kvLvq †Lvjv
L) D”P SzuwKm¤úbœ wnmv‡ei †jb‡`b
n‡q‡Q?
gwbUwis Kiv nq wKbv? G ai‡bi wnmve
2
cwiwkó-O

†Lvjv I cwiPvjbvi
†ÿ‡Î kvLv Kx c`‡ÿc
MÖnY K‡i‡Q?
Kx c×wZ‡Z D”P
SzuwKm¤úbœ wnmv‡ei
†jb‡`b gwbUwis Kiv
nq?
7. weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv G welqK wbR¯^
Ges e¨vs‡Ki wbR¯^ bxwZgvjv Abyhvqx bxwZgvjv cÖYqb Kiv
n‡q‡Q wKbv?
gvwbjÛvwis I mš¿v‡m A_©vqb msμvšÍ
n‡j D³ bxwZgvjv
SzuwK cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY Kiv kvLvq wKfv‡e
n‡q‡Q Kx bv? ev¯ÍevwqZ n‡”Q?
8. kvLv MÖvn‡Ki KYC Profile Gi Z_¨ Kx c×wZ‡Z Giƒc
weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv g~j¨vqb m¤úvw`Z n‡q
_v‡K?
‡gvZv‡eK wbw`©ó mgq ci ci
cybtg~j¨vqbc~e©K nvjbvMv` K‡i wKbv?
9. kvLv Walk-in-Customer-‡ì †ÿ‡Î wKfv‡e Av‡jvP¨
KYC cÖwμqv AbymiY K‡i wK? cÖwμqvwU m¤úbœ K‡i
_v‡K?
10. Online e¨vswKs Gi †ÿ‡Î wnmveavix
e¨ZxZ Ab¨ †Kvb e¨w³ A_© Rgv Ki‡j n‡q _vK‡j Kx
cÖwμqvq Zv m¤úvw`Z
‡m‡ÿ‡Î †Kvb ai‡bi KYC cÖwμqv n‡”Q?
AbymiY Kiv nq wK?
11. kvLv Kx c×wZ‡Z MÖvn‡Ki †jb‡`b e¨vsK kvLv KZ©„K
gwbUwis K‡i _v‡K? wbav©wiZ mxgvi
Dc‡ii †jb‡`‡bi
(Threshhold )
wfwË‡Z A_ev
MÖvnK KZ©„K †NvwlZ
†jb‡`‡bi AbywgZ
gvÎv (TP) Gi
wfwË‡Z; A_ev Ab¨
†Kvb c×wZ‡Z ;
M„wnZ †jb‡`‡bi
AbywgZ gvÎv (TP)
MÖvn‡Ki †ckv I
Av‡qi mv‡_
msMwZc~Y© wKbv Zv
hvPvB Kiv nq wKbv?
†NvwlZ AbywgZ
gvÎvi mv‡_ cieZx©‡Z
3
cwiwkó-O

MÖvnK KZ©„K m¤úvw`Z
cÖK…Z †jb‡`b hvPvB
Kiv nq wKbv ?
kvLv KZ©„K GKwU
wba©vwiZ
Thershhold Gi
wfwË‡Z cÖwZw`‡bi
†jb‡`b gwbUi Kiv
nq wKbv?
kvLvq GKwU wbw`©ó
mgq ci ci bgybv
wfwË‡Z MÖvn‡Ki
KYC Profile G
cÖ`Ë Z‡_ï mv‡_
†jb‡`‡bi mvgÄm¨Zv
hvPvB Kiv nq wKbv?
12. mš¿vm we‡ivax AvBb, 2009 Gi Aaxb RvwZms‡Ni wbivcËv
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai j‡ÿ¨ cwil‡ì wewfbœ
†iRyjyk‡bi AvIZvq
kvLv Kx ai‡bi c`‡ÿc MÖnY K‡i‡Q?
mš¿vm, mš¿vmx Kvh© I
e¨vcK aŸsmvZ¥K A¯¿
we¯Ív‡i A_©vq‡b RwoZ
m‡›`‡n ZvwjKvfy³
†Kvb e¨w³ ev mËv
Ges evsjv‡`k miKvi
KZ©„K ZvwjKvfy³
‡Kvb e¨w³ ev wbwl×
†NvwlZ mËvi bv‡gi
ZvwjKv kvLvq
msiÿY I Z`vbymv‡i
wnmve I †jb‡`b
Kvh©μg hvPvB Kiv
nq wKbv?
kvLv G welqK wbR¯^
†Kvb Mechanism
AbymiY K‡i wK bv?
Giƒc †Kvb e¨w³ ev
mËvi bv‡g kvLvq
cwiPvwjZ wnmv‡ei (hw`
_v‡K) wel‡q
weGdAvBBD †K AewnZ
Kiv nq wKbv?
4
cwiwkó-O

13. G hver kvLv KZ©„K KZ¸‡jv m‡›`nRbK kvLvq m‡›`nRbK
†jb‡`b (STR) kbv³ Kiv n‡q‡Q? †jb‡`b wPwýZ Kivi
†Kvb c×wZ AbymiY
Kiv nq wKbv?
kvLvq m‡›`nRbK
†jb‡`b Reporting
Gi Rb¨ Internal
Reporting
Mechanism Pvjy
i‡q‡Q wKbv?
kvLv ch©v‡q
wb¯úwËK…Z Internal
Report msiÿY Kiv
nq wKbv?
14. MÖvnK KZ©„K cybt cybt bM` †jb‡`b cÖwZw`‡bi †jb‡`‡b
wi‡cvwU©s (CTR) mxgvi bx‡P †jb‡`b Structuring kbv³
(Structuring) kbv³ Kivi †Kvb c×wZ Kivi Rb¨ ‡Kvb
kvLv KZ©„K cÖewZ©Z n‡q‡Q wKbv? wi‡cvU© generate
Kiv n‡”Q wKbv ev
†Kvb c×wZ i‡q‡Q
wKbv?
15. kvLv KZ©„K wbqwgZ I mwVKfv‡e CTR n‡q _vK‡j †cÖwiZ
†K›`ªxq cwicvjb BDwb‡U †cÖiY Kiv Z‡_ï mwVKZv
wKfv‡e hvPvB Kiv
n‡”Q wKbv?
n‡”Q?
†K›`ªxqfv‡e CTR
wi‡cvU© Kivi †ÿ‡Î
kvLv wbR¯^ CTR
wi‡cvU© msMÖnc~eK©
gwbUwis Kvh©μg
Ae¨vnZ iv‡L wKbv ?
16. gvwb jÛvwis cÖwZ‡iva AvBb, mš¿vm n‡q _vK‡j n¨vu A_ev
we‡ivax AvBb, mvK©yjvi, cÖwkÿY †iKW©,
bv n†q _vK‡j bv,
weeiYx I Ab¨vb¨ GGgGj/wmGdwU
AvswkK n‡j Kx Kx
msμvšÍ welqvejxi Avjv`v bw_ kvLv
msiwÿZ Av‡Q Zv
KZ©„K msiÿY Kiv nq wKbv? AvBb,
mvKz©jvi BZ¨vwì Kwc kvLvi mKj wjLyb|
Kg©KZ©v/Kg©Pvix‡ì mieivn Kiv nq
wKbv?
5
cwiwkó-O

17. weGdAvBBD gv÷vi mvKy©jvi Abymv‡i DËi n¨vu n‡j GB
kvLvq PEPs, cÖfvekvjx e¨w³, AvšÍRv© wZK wnmve ‡Lvjv I
cwiPvjbvi †ÿ‡Î Kx
ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †Kvb
Kx ai‡Yi mZK©Zv
wnmve msiÿY Kiv n‡”Q wKbv? Aej¤^b Kiv n‡”Q?
18. kvLvq ‡gvevBj dvBb¨vwÝqvj mvwf©m ev
Aq¨vi UªvÝdvi msμvšÍ †jb‡`‡bi †ÿ‡Î
weGdAvBBD Gi wb‡`©kbv h_vh_fv‡e
AbymiY Kiv n‡”Q wKbv?
19. cÖavb Kvh©vjq I evsjv‡`k e¨vsK, bv n‡q _vK‡j
evsjv‡`k dvBb¨wÝqvj B‡›Uwj‡RÝ cÖwZeÜKZvmg~n Kx
Kx?
BDwbU-Gi cwi`k©b cÖwZ‡e`‡b D‡jøwLZ
gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb
cÖwZ‡iva cwicvjb welqK
`ye©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q
wKbv?
20. kvLv KZ©„K ê‡`wkK †iwg‡UÝmn Ab¨vb¨ n‡q _vK‡j wKfv‡e?
BbIqvW© I AvDUIqvW© ‰e‡`wkK gy`ªvi BbIqvW© †iwgU¨vÝ
msμvšÍ †jb‡`‡b,
†jb‡`b gwbUwis Kiv nq wKbv?
cÖ‡hvR¨ †ÿ‡Î,
weGdAvBBD KZ©„K
mg‡q mg‡q
mieivnK…Z mš¿vmx
msMVb/ e¨w³i
ZvwjKv hvPvB Kiv
n‡”Q wKbv?
kvLv gvwb jÛvwis cÖwZ‡iva cwicvjb kvLv eë¯’vc‡Ki

Kg©KZv©i bvghy³ mxjmn ¯^vÿi I ZvwiL bvghy³ mxjmn ¯^vÿi I ZvwiL
6
cwiwkó - P
Af¨šÍixY wbixÿv wefvM

-------- e¨vsK wjt
cÖavb Kvh©vjq
Independent Testing Procedurest

kvLv cwi`k©‡bi †PKwj÷
e¨vs‡Ki Af¨šÍixY wbixÿv wefvM gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv,
weGdAvBBD KZ©„K mgq mgq RvixK…Z wb‡`©kbv I e¨vs‡Ki wbR¯^ gvwb jÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
bxwZgvjvi Av‡jv‡K wbgœwjwLZ cªkœgvjvi h_vh_ DËi (WKz‡g›U wfwËK) Abymv‡i ‡¯‹vi cÖ`vbc~e©K kvLvi gvwb jÛvwis
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©μg‡K g~j¨vqb Ki‡e| Af¨šÍixY wbixÿv wefvM KZ©„K kvLvi Dci cÖYxZ
evwl©K wbixÿv cÖwZ‡e`‡b (cÖ‡hvR¨ †ÿ‡Î c„_K cwi`k©b Kg©m~Pxi AvIZvq ïaygvÎ Independent Testing Procedures
wfwËK cÖwZ‡e`b cÖwYZ n‡e) gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb cÖwZ‡iva Kvh©μg g~j¨vqb msμvšÍ Avjv`v Aa¨v‡q
mgy`q welqvw` mycvwikmn mwbœ‡ek Ki‡e |
(hvPvB‡qi gvb`Û Abymv‡i m¤ú~Y©iƒ‡c cwicvwjZ n‡j m¤c~Y© †¯‹vi, AvswkK cwicvj‡b AvswkK †¯‹vi Ges DËi †bwZevPK
n‡j k~b¨ †¯‹vi cÖ`vb Ki‡Z n‡e|)
μwgK AÂj/Gwiqv cÖkœgvjv hvPvB‡qi gvb`Û ‡¯‹vi cÖvß gšÍe¨
bs †¯‹vi
1. kvLv cwicvjb 1. kvLvq GKRb AwfÁ I †R¨ô Awdm AWv©i †`Lyb| kvLvi 1
BDwbU cwicvjb Kg©KZ©v eë¯’vcK/wØZxq Kg©KZ©v A_ev
(BAMLCO) i‡q‡Qb wK? b~¨bZg 3 eQi ‡nW Ae
†Rbv‡ij e¨vswKs wn‡m‡e Kg©iZ
Kg©KZ©v‡K BAMLCO
g‡bvbxZ Kiv mgxPxb n‡e|
2. weMZ `yB eQ‡i wZwb gvwb mvÿvrKvi I bw_c‡Îi wfwË‡Z 2
jÛvwis cÖwZ‡iva I mš¿v‡m hvPvB Kiæb|
A_©vqb cÖwZ‡iva welqK †Kvb
cÖwkÿ‡Y AskMÖnY K‡i‡Qb
wK? gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iva wel‡q
we`¨gvb AvBb, wewagvjv,
weGdAvBBD KZ©„K mgq mgq
RvixK…Z wb‡`©kbv I MvB‡WÝ
†bvUm Ges e¨vs‡Ki wbR¯^ gvwb
jÛvwis cÖwZ‡iva I mš¿v‡m
A_©vqb cÖwZ‡iva bxwZgvjv
m¤ú‡K© wZwb h‡_ó AewnZ wK?
1
cwiwkó - P

bs †¯‹vi
3. gvwb jÛvwis cÖwZ‡iva AvBb, BAMLCO KZ©„K gwbUwis I 3
mš¿vm we‡ivax AvBb Ges Gi ch©v‡jvPbvi cÖwμqv hvPvB I Gi
AvIZvq RvixK…Z cwjwm h_v_©Zv cixÿvc~e©K g~j¨vqb
Ges/A_ev wb‡`©kbv h_vwbq‡g Kiæb|
cwicvwjZ n‡”Q- G welqwU
wbwðZ nIqvi j‡ÿ¨
BAMLCO wbw`©ó I
MÖnY‡hvM¨ mgq ci ci Ges
Kvh©Ki cÖwμqvq gwbUwis I
ch©v‡jvPbv K‡i _v‡Kb wK?
4. weGdAvBBD KZ©„K RvixK…Z gvwbjÛvwis I mš¿v‡m A_©vqb 4
wb‡`©kbv Ges e¨vs‡Ki wbR¯^ msμvšÍ SzuwK cÖwZ‡iv‡a kvLvi
bxwZgvjv Abyhvqx gvwbjÛvwis M„nxZ c`‡ÿc g~j¨vqb Kiæb|
I mš¿v‡m A_©vqb msμvšÍ SzuwK
cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY
BAMLCO KZ©„K D”P
Kiv n‡q‡Q wKbv?
SzuywKhy³ wnmvemn mKj wnmv‡ei
BAMLCO KZ©„K kvLvq †jb‡`b gwbUwis c×wZ hvPvB I
cwiPvwjZ D”P SzuywKhy³ Gi h_v_©Zv cixÿvc~e©K g~j¨vqb
wnmvemn mKj wnmv‡ei Kiæb|
†jb‡`b gwbUwis ch©vß wK?
5. weGdAvBBD gv÷vi mvKz©jvi G ai‡bi wnmve ‡Lvjv I 1

Abymv‡i kvLvq PEPs cwiPvjbvi †ÿ‡Î weGdAvBBD
cÖfvekvjx e¨w³, AvšÍR©vwZK gv÷vi mvKzj © vi Abymv‡i mZK©Zv
ms¯’vi cÖavb ev D”P ch©v‡qi Aej¤^b Kiv n‡”Q wKbv Zv
Kg©KZ©vi †Kvb wnmve msiÿY hvPvB Kiæb| Z‡e PEPs
Kiv n‡”Q wKbv? cÖfvekvjx e¨w³, AvšÍR©vwZK
ms¯’vi cÖavb ev D”P ch©v‡qi
Kg©KZ©vi †Kvb wnmve bv
_vK‡jI hw` weGdAvBBD
gv÷vi mvKzj© vi G cÖ`Ë wb‡`©kbv
ev¯Íevq‡bi cÖwμqv we`¨gvb _v‡K
Zvn‡j kvLv c~Y© b¤î cÖvß n‡e|
6. weGdAvBBD cÖ`Ë †mjd& kvLvi †mjd& A¨v‡m‡g›U wi‡cvU© 6
A¨v‡mm‡g›U kvLv KZ©„K KZUzKz ch©v‡jvPbv Kiæb| mwVK I
mwVK I Kvh©Kifv‡e m¤úv`b Kvh©Kifv‡e †mjd& A¨v‡m‡g›U
n‡”Q? wi‡cvU© cÖYqb I ev¯Íevq‡bi
wfwË‡Z b¤î cÖ`vb Kiæb|
2
cwiwkó - P

bs †¯‹vi
2. gvwb jÛvwis 1. kvLvq KZRb Kg©KZ©v gvwb 100% Kg©KZ©vi cÖwkÿY m¤úbœ 2
cÖwZ‡iva I jÛvwis cÖwZ‡iva I mš¿v‡m n‡j Zv m‡šÍvlRbK e‡j
mš¿v‡m A_©vqb A_©vqb cÖwZ‡iva welqK we‡ewPZ n‡e| cÖwkÿ‡Yi nvi
cÖwZ‡iva wel‡q AvbyôvwbK cÖwkÿY MÖnY Abymv‡i b¤î cÖvß n‡e|
Kg©KZ©v‡ì K‡i‡Qb?
Ávb I
2. kvLvi Kg©KZ©vMY gvwbjÛvwis kvLvi mswkøó Kg©KZ©v‡ì 3
m‡PZbZv e„w×
Ges SzuwK I mš¿vmx Kv‡h© A_©vqb mvÿvrKv‡ii wfwË‡Z g~j¨vqb
cÖwZ‡iv‡a cÖwZ‡iva wel‡q we`¨gvb AvBb, Kiæb|
M„wnZ eë¯’v| wewagvjv, weGdAvBBD KZ©„K
mgq mgq RvixK…Z wb‡`©kbv I
MvB‡WÝ †bvUm Ges e¨vs‡Ki
wbR¯^ gvwb jÛvwis cÖwZ‡iva I
mš¿v‡m A_©vqb cÖwZ‡iva
bxwZgvjv m¤ú‡K© AewnZ
Av‡Qb wK?
3. gvwb jÛvwis I mš¿v‡m A_©vqb mfvi Av‡jvP¨m~Px msMÖn I Gi 3
cÖwZ‡iva Kvh©μg g~j¨vq‡bi Kvh©KvwiZv cixÿv Kiæb|
Rb¨ GKwU ˆÎgvwmK wfwË‡Z
kvLv eë¯’vc‡Ki †bZ…‡Z¡
Kg©KZ©vM‡Yi mfv Av‡qvRb
Kiv nq wKbv?
4. weGdAvBBD KZ©„K RvixK…Z 2
wb‡`©kbv Ges e¨vs‡Ki wbR¯^
bxwZgvjv Abyhvqx gvwbjÛvwis
I mš¿v‡m A_©vqb msμvšÍ SzuwK
cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY
Kiv n‡q‡Q wKbv?
3
cwiwkó - P

bs †¯‹vi
3. MÖvnK cwiwPwZ 1. mKj cÖKvi wnmve †Lvjv I cÖ‡Z¨K ai‡bi 4/5 wU wnmv‡ei 5
(KYC) c×wZ †jb‡`b cwiPvjbvi †ÿ‡Î gvwb bgybv cixÿv Kiæb| wb‡gœv³
jÛvwis cÖwZ‡iva AvBb, mš¿vm wel‡q mš‘wómv‡c‡ÿ b¤î cÖ`vb
Kiæb-
we‡ivax AvBb Ges MÖvnK cwiwPwZi h_v_©Zv wKfv‡e
weGdAvBBD KZ©„K RvixK„Z hvPvB Kiv nq? wKfv‡e Zv
gv÷vi mvKz©jv‡ii wb‡`©kbv kvLvq msiÿY Kiv n‡”Q?
Abymv‡i MÖvnK cwiwPwZ KYC m¤úv`bKv‡j MÖvn‡Ki
m‡šÍvlRbKfv‡e MÖnY Kiv nq Znwe‡ji Drm hvPvB Kiv n‡q‡Q
wKbv ? wKbv?
wnmv‡ei cÖK…Z myweav‡fvMx
(Beneficial Owner) mbv³
Kiv n‡q‡Q wKbv Ges Zv hvPvB
Gi cÖwμqv m‡šÍvlRbK wKbv?
D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î
SuywKi wbwi‡L AwZwi³ Z_¨
(EDD) msMÖn Kiv nq wK bv?
2. weGdAvBBD KZ©„K RvixK„Z weGdAvBBD KZ©„K RvixK„Z 3
gv÷vi mvKz©jv‡ii wb‡`©kbv gv÷vi mvKz©jv‡ii wb‡`©kbv
Abymv‡i kvLv h_vh_fv‡e cwicvwjZ nq wKbv hvPvB
SzuwKi wfwË‡Z Zv‡ì MÖvnK‡ì Kiæb|
†kªYxweb¨vm/ †kªYxKiY K‡i
wK?
3. D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î wK ai‡bi Z_¨ msMÖn Kiv nq 3
cÖ‡qvRbxq AwZwi³ Z_¨ msMÖn Ges Zv h‡_ó wKbv cixÿv
Kiv nq wK? Kiæb|
4. kvLv wK MÖvn‡Ki KYC KYC Profile cybtg~j¨vqb I 3
Profile wbw`©ó mgq ci ci nvjbvMv` c×wZ g~j¨vqb Kiæb|
cybtg~j¨vqbc~e©K nvjbvMv`
K‡i _v‡K?
5. kvLv Walk-in-Customer- Abym„Z cªwμqv weGdAvBBD 4
‡ì (fvmgvb/PjšÍ MÖvnK‡ì) KZ©„K RvixK„Z gv÷vi mvKz©jv‡ii
(wWwW, wUwU, AbjvBb Rgv mv‡_ msMwZc~Y© wKbv Zv
BZ¨vw`) †ÿ‡Î KYC cÖwμqv we‡ePbvc~e©K g~j¨vqb Kiæb|
AbymiY K‡i wK?
4
cwiwkó - P

bs †¯‹vi
4. mš¿vm we‡ivax mš¿vm we‡ivax AvBb, 2009 wb‡gœv³ wel‡q mš‘wómv‡c‡ÿ 5
AvBb, 2009 Gi Aaxb mš¿v‡m A_©vqbb¤î cÖ`vb Kiæb-
Gi cwicvjb cÖwZ‡iv‡ai j‡ÿ¨ kvLv Kx RvwZms‡Ni wbivcËv cwil‡ì
wewfbœ †iRyjyk‡bi AvIZvq
ai‡bi Kvh©Ki c`‡ÿc MÖnY mš¿vm, mš¿vmx Kvh© I e¨vcK
K‡i‡Q? aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b
RwoZ m‡›`‡n ZvwjKvfy³ †Kvb
e¨w³ ev mËv Ges evsjv‡`k
miKvi KZ©„K ZvwjKvfy³ ‡Kvb
e¨w³ ev wbwl× †NvwlZ mËvi
bv‡gi ZvwjKv kvLvq msiÿY I
Z`vbymv‡i wnmve I †jb‡`b
Kvh©μg hvPvB Kiv nq wKbv?
kvLv G welqK wbR¯^ †Kvb
Mechanism AbymiY K‡i
wKbv?
Giƒc e¨w³ ev mËvi bv‡g kvLvq
cwiPvwjZ wnmv‡ei (hw` _v‡K)
wel‡q weGdAvBBD †K AewnZ
Kiv nq wKbv ?
5. ‡jb‡`‡bi 1. kvLv wK MÖvnK‡ì cÖK…Z b~¨bZg 10wU wnmv‡ei gwbUwis 5
AbywgZ gvÎv †jb‡`b Zv‡ì †NvwlZ TP c×wZi bgybv cixÿv Kiæb Ges
(TP) MÖnY I Gi mv‡_ mvgÄm¨c~Y© wKbv Zv Gi Kvh©KvwiZv hvPvB Kiæb|
gwbUwis gwbUwis K‡i _v‡K? wb‡gœv³ wel‡q mš‘wó mv‡c‡ÿ
b¤î cÖ`vb Kiæb-
MÖvn‡Ki †ckv I Av‡qi mv‡_
msMwZc~Y©fv‡e †jb‡`‡bi
AbywgZ gvÎv (TP) MÖnY Kiv nq
wKbv?
†NvwlZ AbywgZ gvÎvi mv‡_
cÖK…Z †jb‡`b hvPvB Kiv nq
wKbv ?
GKwU wba©vwiZ Threshold Gi
wfwË‡Z cÖwZw`b †jb‡`b gwbUi
Kiv nq wKbv?
kvLvq GKwU wbw`©ó mgq ci ci
bgybv wfwË‡Z MÖvn‡Ki KYC
Profile G cÖ`Ë Z‡_ï mv‡_
†jb‡`‡bi mvgÄm¨Zv hvPvB Kiv
nq wKbv?
5
cwiwkó - P

bs †¯‹vi
2. kvLv wK ê‡`wkK †iwg‡UÝmn G ai‡Yi wKQz D`vniY I AwaK 4
Ab¨vb¨ BbIqvW© I AvDUIqvW© †jb‡`bK…Z wKQz RFCD,
†iwg‡UÝ gwbUwis K‡i _v‡K? NFCD A/C cixÿv Kiæb|
BbIqvW© †iwgU¨vÝ msμvšÍ
†jb‡`‡b, cÖ‡hvR¨ †ÿ‡Î,
weGdAvBBD KZ©„K mg‡q mg‡q
mieivnK…Z mš¿vmx msMVb/
e¨w³i ZvwjKv hvPvB Kiv n‡”Q
wKbv Zv †`Lyb|
GQvovI ‰e‡`wkK gy`ªvi †jb‡`b
BAMLCO KZ©„K wK c×wZ‡Z
gwbUwis Kiv n‡”Q Zvi
Kvh©KvwiZv hvPvB Kiæb|
3. kvLv wK wbw`©ó mgq ci ci TP ch©v‡jvPbv I nvjbvMv` Kiv 4
TP ch©v‡jvPbv I nvjbvMv` n‡q‡Q Ggb 10wU bgybv cixÿv
(cÖ‡qvR‡b) K‡i _v‡K? I Gi Kvh©KvwiZv hvPvB Kiæb|
6. m‡›`nRbK 1. kvLvi Kg©KZ©vMY m‡›`nRbK kvLvq m‡›`nRbK †jb‡`b 5
†jb‡`b wi‡cvU© †jb‡`b wi‡cvU© (STR) Reporting Gi Rb¨ Internal
(STR) I m¤ú‡K© AewnZ Av‡Qb wK? Reporting Mechanism Pvjy
bM` †jb‡`b Av‡Q wKbv? Zv mKj Kg©K©Zv
Rv‡bb wKbv?
wi‡cvU©(CTR)
2. kvLvq gvwb jÛvwis I mš¿v‡m kvLvq m‡›`nRbK †jb‡`b 5

A_©vqb msμvšÍ m‡›`nRbK msNwUZ nIqv m‡Ë¡I hw`
†jb‡`b wPwýZKi‡Yi Kvh©Ki BAMLCO KZ…©K CCU Gi
c×wZ Pvjy Av‡Q wK? G hver wbKU †Kvb STR bv Kiv n‡q
KZ¸‡jv m‡›`nRbK †jb‡`b _v‡K Zvn‡j Zv Am‡šÍvlRbK
(STR) BAMLCO KZ…©K we‡ewPZ n‡e|
CCU Gi wbKU wi‡cvU© Kiv bw_ I wm‡÷g cixÿv K‡i
n‡q‡Q? kvLvq STR mbv³Ki‡Yi Rb¨
†Kvb c×wZi cÖeZ©b Kiv n‡q‡Q
wKbv Zv hvPvB Kiæb| wb‡gœv³
wel‡q mš‘wó mv‡c‡ÿ b¤î cÖ`vb
Kiæb-
kvLvq m‡›`nRbK †jb‡`b
wPwýZ Kivi †Kvb c×wZ
AbymiY Kiv nq wKbv?
kvLv ch©v‡q wb¯úwËK…Z
Internal Report h_vh_fv‡e
msiÿY Kiv nq wKbv?
6
cwiwkó - P

bs †¯‹vi
3. kvLv KZ©„K h_vh_ I mwVKiƒ‡c GZ`&msμvšÍ bw_ cixÿv 4
bM` †jb‡`b wi‡cvU© (CTR) Kiæb|(Kgc‡ÿ GK gv‡mi bM`
Kiv nq wKbv? †jb‡`b)K¨vk †iwRóvi/weeiYx
n‡Z cixÿv Kiæb Ges Gi
wfwË‡Z H gv‡m `vwLjK…Z
CTR wi‡cvU© cixÿvc~e©K
CTR wi‡cvU© Gi mwVKZvi
wel‡q g~j¨vqb Kiæb|
GQvovI †K›`ªxqfv‡e CTR
wi‡cvU© Kivi †ÿ‡Î kvLvi wbR¯^
CTR wi‡cvU© msMÖnc~eK© wbR¯^
gwbUwis Kvh©μg Ae¨vnZ i‡q‡Q
wKbv Zv hvPvB Kiæb|
4. MÖvnK KZ©„K cybt cybt wi‡cvwU©s
GZ`&msμvšÍ kvLvi c`‡ÿc 4
mxgvi bx‡P †jb‡`b
cixÿvc~e©K g~j¨vqb Kiæb|
(Structuring) kbv³ Kivi cÖwZw`‡bi †jb‡`‡b
†Kvb c×wZ kvLv KZ©„K Structuring kbv³ Kivi Rb¨
cÖewZ©Z n‡q‡Q wKbv? Kx ai‡bi wi‡cvU© generate
Kiv n‡”Q?
7. CCU eivei 1. kvLv KZ©„K KZwU weeiYx GZ`&msμvšÍ bw_ cixÿv Kiæb| 3
weeiYx `vwLj (CCU eivei `vwLj Kiv nq? wej‡¤^ A_ev weeiYx `vwLj bv
kvLv wK h_vmg‡q weeiYx Ki‡j Zv Am‡šÍvlRbK we‡ewPZ
`vwLj K‡i? n‡e|
2. kvLv KZ©„K wbqwgZfv‡e †mî GZ`&msμvšÍ weeiYx cixÿv 2
A¨v‡mm‡g›U Kiv nq wKbv? Kiæb| Z_¨vw` mwVK I cwic~Y©
cÖ¯‘ZK…Z weeiYx h_vh_ wKbv? bv n‡j Zv Am‡šÍvlRbK
we‡ewPZ n‡e|
8. ‡iKW© msiÿY 1. MÖvnK cwiwPwZ (KYC) Ges 5wU eÜ wnmve cixÿv Kiæb| 2
†jb‡`b m¤úwK©Z †iKW© G‡ÿ‡Î gvwb jÛvwis cÖwZ‡iva
h_vh_fv‡e msiÿ‡Yi weavb AvBb Gi weavb h_vh_fv‡e
Av‡Q wK? AbymiY Kiv n‡q‡Q wKbv hvPvB
Kiæb|
2. wbqš¿YKvix KZ©„cÿ ev CCU GZ`&msμvšÍ bw_ cixÿv Kiæb| 2
Gi Pvwn`v †gvZv‡eK h_vmg‡q I h_vh_ Z_¨ mieivn
†iKW©mg~n mieivn Kiv nq bv Ki‡j Zv Am‡šÍvlRbK
wK? we‡ewPZ n‡e|
9. AML/CFT 1. kvLv eë¯’vcK (BAMLCO kvLvq Av‡qvwRZ mfvi 2
m¤úwK©Z kvLvi bv n‡j) gvwb jÛvwis I mš¿v‡m Av‡jvP¨m~wP I kvLv eë¯’vc‡Ki
mvwe©K Kvh©μg A_©vqb cÖwZ‡iva welqK mv‡_ mvÿvrKvi Ges G wel‡q
Kg©m~Px ev¯Íevq‡b h_vh_ kvLvi cwicvjb Ae¯’vi wfwË‡Z
f~wgKv cvjb K‡i wK? g~j¨vqb Kiæb|
7
cwiwkó - P

bs †¯‹vi
2. c~ee© Z©x Af¨šÍixY I ewnt me©‡kl wbixÿv msμvšÍ wi‡cvU© 3
wbixÿv cÖwZ‡e`b cixÿvKv‡j cixÿv Kiæb Ges wK ai‡bi
AML/CFT welqK †Kvb ms‡kvabg~jK eë¯’v †bIqv
Awbqg I `ye©jZvi D‡jøL Av‡Q n‡q‡Q hvPvB Kiæb|
wKbv Ges kvLv †Kvb
ms‡kvabg~jK eë¯’v MÖnY
K‡i‡Q wKbv?
3. kvLvi mvwe©K Kvh©μg kvLvi gvwb jÛvwis I mš¿v‡m 5
m‡šÍvlRbK wK? A_©vqb cÖwZ‡iva msμvšÍ mvwe©K
Kvh©μg Ges kvLv eë¯’vc‡Ki
cvidig¨v‡Ýi wfwË‡Z g~j¨vqb
Kiæb|
†gvU 100
kvLvi mvwe©K g~j¨vqb t
‡¯‹vi †iwUs
90+-100 kw³kvjx (Strong)
70+-90 m‡šÍvlRbK (Satisfactory)
55+-70 ‡gvUvgywU fvj (Fair)
40+-55 cÖvwšÍK (Marginal)
40 I Gi bx‡P Am‡šÍvlRbK (Unsatisfactory)

11) BFIU Master Circular-10, 28.12.2014 PDF

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evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Zdwmjx e¨vsK KZ©…K

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

1.3 ‡K›`ªxq cwicvjb BDwbU (Central Compliance Unit) t

3.8 cÖfvekvjx e¨w³i †ÿ‡Î KiYxq t

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

11| wb‡qvM I cÖwkÿY t

11.3 wkÿY- e¨vsK MÖvnK t

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

(Bqvmwgb ingvb eyjv)

......................... e¨vsK/e¨vsK wjt

7| cÖv_wgK Rgvi cwigvY t ..........................

Av‡e`bKvixi bvg, ¯^vÿi I ZvwiL Av‡e`bKvixi bvg, ¯^vÿi I ZvwiL

e¨vs‡Ki e¨env‡ii Rb¨

......................... e¨vsK / e¨vsK wjt

12| MÖvn‡Ki Ab¨ †Kvb e¨vsK wnmve Av‡Q wK? n¨vu bv

13| cwiPq`vbKvixi Z_¨ t

17| A‡_©i Drm/Drmmg~n t (wbw`©ó I we¯ÍvwiZ D‡jøL Ki‡Z n‡e)............................................................

18| wnmve cwiPvjbvKvix msμvšÍ †NvlYv I ¯^vÿit

Av‡e`bKvixi ¯^vÿi, bvg, c`ex, I ZvwiL

................................................. ................................................ .....................................

......................... e¨vsK / e¨vsK wjt e¨w³i

ZvwiLt............................... wnmve b¤^it ..................................

14. U¨v· AvBwW b¤^i (hw` _v‡K) t ...........................................................................................

15. f¨vU †iwR‡óªkb b¤^i (hw` _v‡K) t .............................................................................................

16. WªvBwfs jvB‡mÝ b¤^i (hw` _v‡K) t ............................................................................................

......................... e¨vsK / e¨vsK wjt

†gvU m¤¢ve¨ gvwmK Rgvi cwigvY

bM` D‡Ëvjb (†h †Kvb kvLv I GwUGg D‡Ëvjbmn)

1| MÖvnK/wnmve cwiPvjbvKvix 2| MÖvnK/wnmve cwiPvjbvKvix

m¤¢ve¨ †jb‡`‡bi AbywgZ gvÎv MÖnYKvix e¨vsK Kg©KZ©vi bvgt

MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form) t

(K) wfmvi cÖK…wZ..................................................................................

21. DËi nu¨v n‡j G welqK M„nxZ e¨e¯’vi weeiY t

22. wi¯‹ †MÖwWs t

cÖ¯‘ZKvix t Aby‡gv`bKvix Kg©KZ©v t

¯^vÿi (mxjmn) t ¯^vÿi (mxjmn) t

ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©vi

MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form) t

μwgK bs cÖK…wZ wi¯‹ †j‡fj ‡¯‹vi

32 ZvgvK I wmMv‡i‡Ui e¨emv ga¨g 3

cwigvY (UvKvq) wi¯‹ †j‡fj wi¯‹ †iwUs

aiY wi¯‹ †j‡fj wi¯‹ †iwUs

26. MÖvn‡Ki AbywgZ gvwmK †jb‡`‡bi msL¨v t

cÖ¯‘ZKvix t Aby‡gv`bKvix Kg©KZ©v t

¯^vÿi (mxjmn) t ¯^vÿi (mxjmn) t

Ae¨w³K wnmv‡ei Rb¨ cÖ‡qvRbxq Z_¨vw`i wb‡`©kK (Indicative) ZvwjKv|\

ANTI-MONEY LAUNDERING & COMBATING FINANCING of TERRORISM

C. ANTI-MONEY LAUNDERING AND TERRORIST FINANCING CONTROLS

12. Does your institution have a policy prohibiting accounts/relationships Yes / No

II. Risk Assessment

20. Does your institution have a requirement to collect information Yes / No

23. Does your institution complete a risk-based assessment to understand Yes / No

IV. Reportable Transactions for Prevention and Detection of ML/TF

IV. Transaction Monitoring

Space for additional information:

SUSPICIOUS TRANSACTION REPORT (STR) FORM

C. Suspect Account Details :

D. Account holder details :

2. 1. Name of the account holder:

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

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

G. Suspicious Activity Information