Overview on Anti Money

Laundering/Combating Financing of
Terrorism and Legal Framework
 What is money laundering?

“Money laundering is the process by which

criminals attempt to hide and disguise the true
origin and ownership of the proceeds of their
criminal activities, thereby avoiding prosecution,
conviction and confiscation of the criminal
funds.” UK-Joint Money Laundering Steering
Group Guidance Notes
 gvwbjÛvwis Kx?

gvwbjÛvwis cÖwZ‡iva (ms‡kvab) AvBb, 2015, Gi aviv (2)(d):

• (d) ÒgvwbjÛvwisÓ A_©⎯
• (A) wb¤œewY©Z D‡Ï‡k¨ Aciv‡ai mv‡_ m¤ú„³ m¤úwË ÁvZmv‡i ¯’vbvš—i ev iƒcvš—i ev n¯—vš—i t
• (1) Acivajä Av‡qi A‣ea cÖK…wZ, Drm, Ae¯’vb, gvwjKvbv I wbqš¿Y †Mvcb ev QÙve„Ë Kiv; A_ev
• (2) m¤ú„³ Aciva msMV‡b RwoZ †Kvb e¨w³‡K AvBbMZ e¨e¯’v MÖnY nB‡Z i¶vi D‡Ï‡k¨ mnvqZv Kiv;
• (Av) •ea ev A‣ea Dcv‡q AwR©Z A_© ev m¤úwË wbqg ewnf~Z© fv‡e we‡`‡k cvPvi Kiv;
• (B) ÁvZmv‡i Acivajä Av‡qi A‣ea Drm †Mvcb ev Avovj Kwievi D‡Ï‡k¨ Dnvi n¯—vš—i, we‡`‡k †cÖiY
ev we‡`k nB‡Z evsjv‡`‡k †cÖiY ev Avbqb Kiv;
• (C) †Kvb Avw_©K †jb‡`b GBiƒcfv‡e m¤úbœ Kiv ev m¤úbœ Kwievi †Póv Kiv hvnv‡Z GB AvB‡bi Aaxb Dnv
wi‡cvU© Kwievi cÖ‡qvRb nB‡e bv;
• (D) m¤ú„³ Aciva msNU‡b cÖ‡ivwPZ Kiv ev mnvqZv Kwievi AwfcÖv‡q †Kvb •ea ev A‣ea m¤úwËi iƒcvš—i ev
¯’vbvš—i ev n¯—vš—i Kiv;
• (E) m¤ú„³ Aciva nB‡Z AwR©Z Rvbv m‡Ë¡I GB ai‡Yi m¤úwË MÖnY, `L‡j †bIqv ev †fvM Kiv;
• (&F) GBiƒc †Kvb Kvh© Kiv hvnvi Øviv Acivajä Av‡qi A‣ea Drm †Mvcb ev Avovj Kiv nq;
• (G) Dc‡i ewY©Z †h †Kvb Aciva msNU‡b AskMÖnY, m¤ú„³ _vKv, Aciva msNU‡b lohš¿ Kiv, msNU‡bi cÖ‡Póv
A_ev mnvqZv Kiv, cÖ‡ivwPZ Kiv ev civgk© cÖ`vb Kiv;
 gvwbjÛvwis Aciva I `Ê ( aviv - 4)

• (1) GB AvB‡bi D‡Ïk¨ c~iYK‡í, gvwbjÛvwis GKwU Aciva ewjqv MY¨ nB‡e|
• (2) †Kvb e¨vw³ gvwbjÛvwis Aciva Kwi‡j ev gvwbjÛvwis Aciva msNU‡bi †Póv, mnvqZv ev lohš¿ Kwi‡j wZwb
Ab~¨b 4(Pvi) ermi Ges AbwaK 12(evi) ermi ch©š— Kviv`‡Û `wÛZ nB‡eb Ges Bnvi AwZwi³ Aciv‡ai
mv‡_ mswk-ó m¤úwËi wظY g~‡j¨i mgcwigvY ev 10 (`k) j¶ UvKv ch©š—, hvnv AwaK, A_©`‡Û `wÛZ nB‡eb
: ÒZ‡e kZ© _v‡K †h, Av`vjZ KZ…©K avh©K…Z mgqmxgvi g‡a¨ A_©`Û cwi‡kv‡a e¨_© nB‡j Av`vjZ Acwi‡kvwaZ
A_©`‡Ûi cwigvY we‡ePbvq AwZwi³ Kviv`‡Û `wÛZ Kwievi Av‡`k cÖ`vb Kwi‡Z cvwi‡e|Ó
• (3) Av`vjZ †Kvb A_©`Û ev `‡Ûi AwZwi³ wnmv‡e `wÛZ e¨w³i m¤úwË iv‡óªi AbyK~‡j ev‡Rqvß Kwievi Av‡`k
cÖ`vb Kwi‡Z cvwi‡e hvnv cÖZ¨¶ ev c‡iv¶fv‡e gvwbjÛvwis ev ‡Kvb m¤ú„³ Aciv‡ai mv‡_ m¤ú„³ ev mswk-ó|
• (4) GB avivi Aaxb †Kvb mËv gvwbjÛvwis Aciva Kwi‡j mswk-ó m¤úwËi g~‡j¨i Ab~¨b wظY A_ev 20 (wek)
j¶ UvKv, hvnv AwaK nq, Rwigvbv Kiv hvB‡e Ges D³ cÖwZôv‡bi wbeÜb evwZj‡hvM¨ nB‡e: Z‡e kZ© _v‡K
†h, D³ mËv Av`vjZ KZ©„K avh©K…Z mgqmxgvi g‡a¨ A_©`Û cwi‡kv‡a e¨_© nB‡j Av`vjZ Acwi‡kvwaZ
A_©`‡Ûi cwigvY we‡ePbvq mËvi gvwjK, †Pqvig¨vb ev cwiPvjK †h bv‡gB AwfwnZ Kiv nDK bv †Kb,
Zvnvi wei‚‡× Kviv`‡Û `wÛZ Kwievi Av‡`k cÖ`vb Kwi‡Z cvwi‡e|Ó
• (5) m¤ú„³ Aciv‡a Awfhy³ ev `wÛZ nIqv gvwbjÛvwis Gi Kvi‡Y Awfhy³ ev `Û cÖ`v‡bi c~e©kZ© nB‡e bv|
 Causes of ML

Criminals engage in money laundering for three main

reasons:
1) First, money represents the lifeblood of the
organization that engages in criminal conduct for
financial gain
2) Second, a trail of money from an offense to criminals
can become incriminating evidence.
3) Third, the proceeds from crime often become the
target of investigation and seizure.
 Consequences
 Increased Crime and Corruption
 Hassle from Foreign Counterparts
 Weakened Financial Institutions
 Undermining the Legitimate Private Sector
 Damaged Privatization Efforts
 Policy Mismatch (loss of regulatory control)
 Economic Distortion and Instability
 Loss of Revenue
 Social Cost
Procedure

(1) Placement
The initial deposit of illegally derived funds
either through its introduction into the
financial system; through the purchase of
high value goods; or by physical cross-
border transportation
 PLACEMENT : EXAMPLE

Mr. Topon a human trafficker earned Tk. 8.00

crore by illegal means and placed the same as under:

FINANCIAL INSURANCE
BANKS STOCK
INSTITUTIONS COMPANIES
4.00 crore EXCHANGE.
1.00 crore 2.00 crore
1.00 crore
By opening By making 5 By purchasing
By opening Life Policies Shares of
30 accounts 10 accounts in for Family Different
In 15 banks Companies.
10 institutions members
 Procedure

(2) Layering
A series of transactions or movement of funds with the
aim of distancing them from their source

© M.COMLEY LTD
 LAYERING : EXAMPLE

Mr. Topon moved money deposited in the banks

through a series of economically meaningless transactions

UTTRA Rupali HSBC

NATIONAL ISLAMI

DBBL
SONALI CITI NA MBL NCCB

AGRANI JANATA MTBL SCB HABIB

Procedure
(3) Integration:
Re-entry of funds into the legitimate economy
through investment in: real estate, luxury
assets or business ventures

© M.COMLEY LTD
 INTEGRATION : EXAMPLE
Mr. Topon formed a company namely M/S
Mitali Textile Ltd and opened an A/C in DBBL

DBBL Loans
A/C No.1005522 3.50 crore

Tk.0.50 crore > Invested in the Textile Mill < Tk.3.50 crore

Banks Insurance Stock Ex. Fin. Ins..

5.50 crore 2.00crore 1.00 crore 1.00 crore
© M.COMLEY LTD
 Financing of Terrorism

mš¿vmx Kv‡h© A_© †hvMvb msµvš— Aciva t (aviv - 7)

mš¿vmx Kv‡h© A_©vqb msµvš— Aciva t
 (1) hw` †Kvb e¨w³ ev mËv ÁvZmv‡i Ab¨ †Kvb e¨w³ ev mËv‡K A_©, †mev, e¯‘MZ mnvqZv
(material support),ev Ab¨ †Kvb m¤úwË mieivn K‡ib ev mieiv‡ni AwfcÖvq cÖKvk K‡ib
hvnv‡Z Bnv wek¦vm Kwievi hyw³m½Z KviY _v‡K †h, Dnv m¤ú~Y© ev AvswkKfv‡e †Kvb mš¿vmx
e¨w³ ev 1098 evsjv‡`k †M‡RU, AwZwi³, †deª‚qvwi 20, 2012 mËv ev †Mvôx ev msMVb
KZ…K
© †h †Kvb D‡Ï‡k¨ e¨envi Kiv nBqv‡Q ev nB‡Z cv‡i, Zvnv nB‡j wZwb ev D³ mËv mš¿vmx
Kv‡h© A_©vq‡bi Aciva msNUb Kwiqv‡Qb ewjqv MY¨ nB‡eb|
 (2) hw` †Kvb e¨w³ ev mËv ÁvZmv‡i Ab¨ †Kvb e¨w³ ev mËvi wbKU nB‡Z A_©, †mev, e¯‘MZ
mnvqZv (material support), ev Ab¨ †Kvb m¤úwË MÖnY K‡ib hvnv‡Z Bnv wek¦vm Kwievi
hyw³m½Z KviY _v‡K †h, Dnv m¤ú~Y© ev AvswkKfv‡e †Kvb mš¿vmx e¨w³ ev mËv ev †Mvôx ev
msMVb KZ…©K †h †Kvb D‡Ï‡k¨ e¨envi Kiv nBqv‡Q ev nB‡Z cv‡i, Zvnv nB‡j wZwb ev D³ mËv
mš¿vmx Kv‡h© A_©vq‡bi Aciva msNUb Kwiqv‡Qb ewjqv MY¨ nB‡eb|
 mš¿vmx Kv‡h© A_© †hvMvb msµvš— Aciva t
 (3) hw` †Kvb e¨w³ ev mËv ÁvZmv‡i Ab¨ †Kvb e¨w³ ev mËvi Rb¨ A_©, †mev,
e¯‘MZ mnvqZv (material support), ev Ab¨ †Kvb m¤úwËi e¨e¯’v K‡ib
hvnv‡Z Bnv wek¦vm Kwievi hyw³m½Z KviY _v‡K †h, Dnv m¤ú~Y© ev AvswkKfv‡e
†Kvb mš¿vmx e¨w³ ev mËv ev †Mvôx ev msMVb KZ…©K †h †Kvb D‡Ï‡k¨ e¨envi
Kiv nBqv‡Q ev nB‡Z cv‡i, Zvnv nB‡j wZwb ev D³ mËv mš¿vmx Kv‡h© A_©vq‡bi
Aciva msNUb Kwiqv‡Qb ewjqv MY¨ nB‡eb|
 (4) hw` †Kvb e¨w³ ev mËv ÁvZmv‡i Ab¨ †Kvb e¨w³ ev mËv‡K A_©, †mev,
e¯‘MZ mnvqZv (material support), ev Ab¨ †Kvb m¤úwË mieivn ev MÖnY
ev e¨e¯’v Kwievi †¶‡Î Ggbfv‡e cÖ‡ivwPZ K‡ib hvnv‡Z Bnv wek¦vm Kwievi
hyw³m½Z KviY _v‡K †h, Dnv m¤ú~Y© ev AvswkKfv‡e †Kvb mš¿vmx e¨w³ ev mËv
ev †Mvôx ev msMVb KZ…©K †h †Kvb D‡Ï‡k¨ e¨envi Kiv nBqv‡Q ev nB‡Z cv‡i,
Zvnv nB‡j wZwb ev D³ mËv mš¿vmx Kv‡h© A_©vq‡bi Aciva msNUb Kwiqv‡Qb
ewjqv MY¨ nB‡eb|
 mš¿vmx Kv‡h© A_© †hvMvb msµvš— Aciva t
• (5) Dc-aviv (1) nB‡Z (4) G ewY©Z Aciv‡a †Kvb e¨w³ †`vlx mve¨¯— nB‡j, D³ e¨w³
AbwaK wek ermi I Ab~¨b Pvi ermi ch©š— †h †Kvb †gqv‡`i Kviv`‡Û `wÛZ nB‡eb, Ges
Bnvi AwZwi³ Aciv‡ai mwnZ mswk-ó m¤úwËi wظY g~‡j¨i mgcwigvY ev 10 (`k) j¶ UvKv,
hvnv AwaK, †mB cwigvY A_©`ÛI Av‡ivc Kiv hvB‡e|
• (6) (K) Dc-aviv (1) nB‡Z (4) G ewY©Z Aciv‡a †Kvb mËv †`vlx mve¨¯— nB‡j aviv 18 Gi
weavb Abyhvqx e¨e¯’v MÖnY Kiv hvB‡e Ges Bnvi AwZwi³ Aciv‡ai mwnZ mswk-ó m¤úwËi
wZb¸Y g~‡j¨i mgcwigvY ev 50 (cÂvk) j¶ UvKv, hvnv AwaK, †mB cwigvY A_©`ÛI Av‡ivc
Kiv hvB‡e; Ges
• (L) D³ mËvi cÖavb, Zvnv‡K †Pqvig¨vb, e¨e¯’vcbv cwiPvjK, cÖavb wbe©vnx ev Ab¨ †h †Kvb
bv‡g WvKv nDK bv †Kb, wZwb AbwaK wek ermi I Ab~¨b Pvi ermi ch©š— †h †Kvb †gqv‡`i
Kviv`‡Û `wÛZ nB‡eb, Ges Bnvi AwZwi³ Aciv‡ai mwnZ mswk-ó m¤úwËi wظY g~‡j¨i
mgcwigvY ev 20 (wek) j¶ UvKv, hvnv AwaK, †mB cwigvY A_©`‡ÛI `wÛZ nB‡eb hw` bv wZwb
cÖgvY Kwi‡Z m¶g nb †h, D³ Aciva Zvnvi AÁvZmv‡i msNwUZ nBqv‡Q A_ev D³ Aciva
†iva Kwievi Rb¨ wZwb h_vmva¨ †Póv Kwiqv‡Qb|Ó|
 ML vs TF
ML TF
Motivation Profit Ideological
Source of Fund Internally from within Internally from self-funding cells
criminal organizations Externally from benefactors and
fundraisers

Conduits Favors formal financial system Favors cash couriers, HUNDI

Detection Focus STR, Disproportionate STR, Foreign Remittance from

Wealth unrelated parties
Transaction Large amounts often Small amounts usually below
Amounts structured reporting threshold
Financial Activity Complex web, use shell co. No workable financial profile

Money Trail Circular Linear

 Link between ML & TF

• The techniques used same for concealing sources

• Funds used legal and illegal
• Disguising the source and use of fund
 International Initiatives & Standards

• 1986: US enacts Money Laundering Control Act

• UN initiatives:
– 1988: Vienna Convention
• UN Convention against Illicit Traffic in Narcotic Drugs and Psychotropic
Substances
– 1999: UN International Convention for the Suppression of the
Financing of Terrorism
– 2000: Palermo Convention
• The International Convention against Transnational Organized Crime
– UNCAC: United Nations Convention Against Corruption
• UNSCR initiatives
– UNSCR Resolution 1373
– UNSCR Resolution 1267
 International Initiatives & Standards
• 1989: FATF
– FATF 40 Recommendations-1990
– 9 Special Recommendations
– FATF Recommendations (Feb, 2012)
• EU Directives
• Basel Committee
• Regional Body: APG-1997
• Private Initiatives
– Egmont group of FIU-1995
– Wolfsberg Group
• World Bank & IMF
• USA PATRIOT Act
 Ab¨vb¨ Aciv‡ai kvw¯—

Aciva I aviv Kviv`Û A_©`Û Dfq`Û

(AbwaK (AbyaŸ© UvKv) n‡Z cv‡i
eQi)
Aei“×KiY ev †µvK 3 †µvK Av‡`kK…Z nu¨v
Av‡`k jsNb (aviv - 5 ) m¤úwËi g~‡j¨i
mgcwigvY
Z_¨ cÖKv‡ki `Û (aviv -6) 2 50 nvRvi nu¨v
Z`‡š— evav ev Amn‡hvwMZv,
Z_¨ mieiv‡n evav cÖwZ‡e`b 1 25 nvRvi nu¨v
†cÖi‡Y e¨_©Zv ev Z_¨
mieiv‡n evav †`Iqvi `Û
(aviv -7)
wg_¨v Z_¨ cÖ`vb (aviv -8) 3 50 nvRvi nu¨v
 gvwb jÛvwis Aciva `gb I cÖwZ‡iv‡a Òevsjv‡`k dvBb¨vwÝqvj
B‡›Uwj‡RÝ BDwb‡UiÓ ¶gZv I `vwqZ¡ (aviv - 23)

(1) gv. j. Aciva `gb I cÖwZ‡iv‡a Òevsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ

BDwb‡Ui ¶gZv I `vwqZ¡ t
(K) bM` I m‡›`nRbK †jb‡`b m¤úwK©Z Z_¨vw` ÒI Ab¨ †Kvb gva¨‡g cÖvß Z_¨vw` ch©v‡jvPbv I
we‡k­lb ev ch©v‡jvPbvi cÖ‡qvR‡b AwZwi³ Z_¨ msMÖn Ges Z_¨-DcvË msi¶Y Kiv;
(L) Ab¨ †Kvb AvB‡b hvnv wKQzB _vKzK bv †Kb, wi‡cvU© cÖ`vbKvix ms¯’v nB‡Z cÖ‡qvRbxq
Z_¨ ev cÖwZ‡e`b msMÖn Kiv;
(M) Aciva jä m¤úwË †Kvb wnmv‡e Rgv nBqv‡Q ev †Kvb wnmv‡ei A_© †Kvb Aciva msNU‡b
e¨eüZ nBqv‡Q ev nB‡Z cv‡i g‡g© m‡›`n n‡j AbwaK 30 (wÎk) w`‡bi Rb¨ H wnmv‡ei †jb‡`b
¯’wMZ ev eÜ ivwLevi wb‡`©k cÖ`vb Kiv Ges cÖ‡qvRb‡ev‡a ¯’wMZ ev Aeiy× ivwLevi Rb¨ D³
wi‡cvU© cÖ`vbKvix ms¯’v‡K 30 (wÎk) w`b Kwiqv m‡e©v”P 7 (mvZ) evi wb‡`©k cÖ`vb Kiv
hvB‡e ;
 gvwb jÛvwis Aciva `gb I cÖwZ‡iv‡a Òevsjv‡`k dvBb¨vwÝqvj
B‡›Uwj‡RÝ BDwb‡UiÓ ¶gZv I `vwqZ¡ (aviv 23)

(N) wi‡cvU© cÖ`vbKvix ms¯’v‡K, mgq mgq, cÖ‡qvRbxq wb‡`©kbv cÖ`vb Kiv;
(O) cÖ‡qvR‡b wi‡cvU© cÖ`vbKvix ms¯’v m‡iRwgb cwi`k©b Kiv;
(P) wi‡cvU© cÖ`vbKvix ms¯’vmn Ab¨ ms¯’v ev cÖwZôv‡bi Kg©KZ©v I Kg©Pvix‡`i Rb¨
cÖwk¶‡Yi e¨e¯’vmn mfv, †mwgbvi, BZ¨vw`i Av‡qvRb Kiv;
(Q) GB AvB‡bi D‡Ïk¨ c~iYK‡í wi‡cvU© cÖ`vbKvix ms¯’vi Kvh©µg Z`viwKmn
cÖ‡qvRbxq Ab¨ †h †Kvb Kvh© m¤úv`b Kiv|
(2) gvwb jÛvwis ev †Kvb m‡›`nRbK †jb‡`b Z`‡š— Z`š—Kvix ms¯’v †Kvb Z_¨
mieiv‡ni Aby‡iva Kwi‡j, cÖPwjZ AvB‡bi AvIZvq ev hw` Ab¨ ‡Kvb Kvi‡Y
eva¨evaKZv bv _v‡K, Zvnv nB‡j evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU
D³ Z_¨ cÖ`vb Kwi‡e|
 hvwPZ Z_¨ h_vmg‡q mieivn Kwi‡Z e¨_©Zvi kvw¯Í

• (3) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v GB avivi Aaxb †Kvb hvwPZ Z_¨
h_vmg‡q mieivn Kwi‡Z e¨_© nB‡j evsjv‡`k e¨vsK D³ ms¯’v‡K
cÖwZw`b 10 (`k) nvRvi UvKv wnmv‡e m‡e©v‛P 5 (cuvP) j¶ UvKv
ch©š— Rwigvbv Kwi‡Z cvwi‡e Ges †Kvb ms¯’v 1 (GK) A_© erm‡i
3 (wZb) ev‡ii AwaK Rwigvbvi m¤§yLxb nB‡j evsjv‡`k e¨vsK D³
ms¯’v ev ms¯’vi †Kvb kvLv, mvwf©m †m›Uvi, ey_ ev G‡R‡›Ui
evsjv‡`‡k Kvh©µg cwiPvjbv iwnZ Kwievi D‡Ï‡k¨ wbeÜb ev
jvB‡mÝ ¯’wMZ Kwi‡Z cvwi‡e ev †¶ÎgZ, wbeÜKvix ev jvB‡mÝ
cÖ`vbKvix KZ…©c¶‡K D³ ms¯’vi wei‚‡× h_vh_ e¨e¯’v MÖn‡Yi
wbwgË welqwU AewnZ Kwi‡e|
 fyj ev wg_¨v Z_¨ ev weeiYx mieiv‡ni kvw¯Í

 (4) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v GB avivi Aaxb hvwPZ wel‡q †Kvb
fyj ev wg_¨v Z_¨ ev weeiYx mieivn Kwi‡j evsjv‡`k e¨vsK D³
ms¯’v‡K Ab~¨b 20 (wek) nvRvi UvKv I m‡e©v‛P 5 (cuvP) j¶ UvKv
ch©š— Rwigvbv Kwi‡Z cvwi‡e Ges †Kvb ms¯’v 1 (GK) A_© erm‡i
3 (wZb) ev‡ii AwaK Rwigvbvi m¤§yLxb nB‡j evsjv‡`k e¨vsK D³
ms¯’v ev ms¯’vi †Kvb kvLv, mvwf©m †m›Uvi, ey_ ev G‡R‡›Ui
evsjv‡`‡k Kvh©µg cwiPvjbv iwnZ Kwievi D‡Ï‡k¨ wbeÜb ev
jvB‡mÝ ¯’wMZ Kwi‡Z cvwi‡e ev †¶ÎgZ, wbeÜbKvix ev jvB‡mÝ
cÖ`vbKvix KZ…©c¶‡K D³ ms¯’vi wei‚‡× h_vh_ e¨e¯’v MÖn‡Yi
wbwgË welqwU AewnZ Kwi‡e|
 wb‡`©kbv cwicvj‡b e¨_©Zvi kvw¯Í

• (5) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v evsjv‡`k dvBb¨vwÝqvj

B‡›Uwj‡RÝ BDwbU KZ…K © GB AvB‡bi AvIZvq RvixK…Z
†Kvb wb‡`©kbv cwicvj‡b e¨_© nB‡j evsjv‡`k e¨vsK D³
ms¯’v‡K cÖwZw`b 10 (`k) nvRvi UvKv wnmv‡e m‡e©v‛P 5
(cuvP) j¶ UvKv ch©š— cÖwZwU Acwicvjbxq wel‡qi Rb¨
Rwigvbv Kwi‡Z cvwi‡e Ges †Kvb ms¯’v 1 (GK) A_© erm‡i
3 (wZb) ev‡ii AwaK Rwigvbvi m¤§yLxb nB‡j evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU D³ ms¯’v ev ms¯’vi †Kvb
kvLv, mvwf©m †m›Uvi, ey_ ev G‡R‡›Ui evsjv‡`‡k Kvh©µg
cwiPvjbv iwnZ Kwievi D‡Ï‡k¨ wbeÜb ev jvB‡mÝ ¯’wMZ
Kwi‡Z cvwi‡e ev †¶ÎgZ, wbeÜKvix ev jvB‡mÝ cÖ`vbKvix
 Ab¨vb¨ kvw¯Í
 (6) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v Dc-aviv (1) Gi `dv (M) Gi AvIZvq evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU KZ…©K wb‡`©wkZ †Kvb Aeiy× ev ¯’wMZ Av‡`k cwicvj‡b e¨_©
nB‡j evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU D³ wi‡cvU© cÖ`vbKvix ms¯’v‡K Ab~¨b D³
e¨vsK wnmv‡e w¯’wZi mgcwigvY Rwigvbv Kwi‡Z cvwi‡e hvnv wb‡`©kbv Rvixi ZvwiL wnmv‡e
w¯’wZi wظ‡Yi AwaK nB‡e bv|
 (7) GB AvB‡bi aviv 23 I 25 Abyhvqx evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU KZ…©K
Av‡ivwcZ Rwigvbv †Kvb e¨w³ ev mËv ev wi‡cvU© cÖ`vbKvix ms¯’v cÖ`v‡b e¨_© nB‡j dvBb¨vwÝqvj
B‡›Uwj‡RÝ BDwbU, evsjv‡`k e¨vsK mswk-ó e¨w³ ev mËv ev wi‡cvU© cÖ`vbKvix ms¯’vi wbR
bv‡g †h †Kvb e¨vsK ev Avw_©K cÖwZôvb ev evsjv‡`k e¨vs‡K cwiPvwjZ wnmve weKjbc~e©K Av`vq
Kwi‡Z cvwi‡e Ges G‡¶‡Î Rwigvbvi †Kvb Ask Abv`vqx _vwK‡j Zvnv Av`v‡q cÖ‡qvR‡b
evsjv‡`k e¨vsK Av`vj‡Z Av‡e`b Kwi‡Z cvwi‡e Ges Av`vjZ †hBiƒc Dchy³ we‡ePbv Kwi‡e
†mBiƒc Av‡`k cÖ`vb Kwi‡e|
 (7K) GB AvB‡b ewY©Z Aciv‡ai AbymÜvb I Z`‡š— †Kvb Z`š—Kvix ms¯’v †Kvb e¨vsK ev
Avw_©K cÖwZôv‡bi MÖvn‡Ki wnmve msµvš— `wjj I Z_¨vw` Dchy³ Av`vj‡Zi Av‡`kµ‡g
A_ev evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwb‡Ui gva¨‡g msMÖn Kwi‡Z cvwi‡e|
 wi‡cvU© cÖ`vbKvix ms¯’v‡K Rwigvbv

• (8) Dc-aviv (3), (4), (5) I (6) Abyhvqx †Kvb wi‡cvU©

cÖ`vbKvix ms¯’v‡K Rwigvbv Kiv nB‡j GB Rb¨ `vqx D³
ms¯’vi gvwjK, cwiPvjK, Kg©KZ©v-Kg©Pvix ev Pzw³wfwËK
wb‡qvwRZ e¨w³M‡Yi weiæ‡× I evsjv‡`k e¨vsK Ab~¨b 10
(`k) nvRvi UvKv I m‡e©v‛P 5 (cuvP) j¶ UvKv ch©š—
Rwigvbv Kwi‡Z cvwi‡e Ges cÖ‡qvR‡b mswk-ó ms¯’v‡K
cÖ‡qvRbxq cÖkvmwbK e¨e¯’v MÖn‡Yi Rb¨ wb‡`©kbv cÖ`vb
Kwi‡Z cvwi‡e|
 dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU (FIU) cÖwZôv (aviv-24)
1) GB AvB‡b cÖ`Ë ¶gZv I Kvh©vejx myôyfv‡e m¤úv`‡bi j‡¶¨ evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU
(Bangladesh Financial Intelligence Unit) bv‡g GKwU c„_K †K›`ªxq ms¯’v _vwK‡e, hvnvi
(K) GKwU c„_K mxj †gvni I †jUvi †nW c¨vW _vwK‡e;
(L) GKwU ¯^Zš¿ Kvh©vjq evsjv‡`k e¨vs‡K Aew¯’Z nB‡e;
(M) Kvh©vejx m¤úv`‡bi Rb¨ evsjv‡`k e¨vsK cÖ‡qvRbxq Awdm¯’vb, †jvKej, Znwej, cÖkvmwbK myweavmn Ab¨vb¨
Avbylw½K welqvw` mieivn Kwi‡e;
(N) evsjv‡`k e¨vs‡Ki †WcywU Mfb©i c`gh©v`vi GKRb mve©¶wYK cÖavb Kg©KZ©v _vwK‡e, whwb evsjv‡`k e¨vs‡Ki
Mfb©i Gi †bZ…‡Z¡ MwVZ evQvB KwgwUi mycvwik Abyhvqx wba©vwiZ k‡Z© miKvi KZ…©K Pzw³wfwËK ev Ab¨weafv‡e wb‡qvMcÖvß
nB‡eb;
(O) cÖavb Kg©KZ©v hveZxq cÖkvmwbK wel‡q Mfb©i, evsjv‡`k e¨vsK- Gi c~e©vby‡gv`b MÖnY Kwi‡eb;
(2) GB AvB‡bi D‡Ïk¨ c~iYK‡í miKvwi, Avav-miKvwi, ¯^vqËkvwmZ ms¯’vmg~n ev Ab¨ †Kvb mswk-ó cÖwZôvb ev ms¯’v
Z`&KZ©„K msiw¶Z ev msM„nxZ Z_¨vw` evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU‡K ¯^cÖ‡Yvw`Zfv‡e ev Aby‡iv‡ai m~‡Î
mieivn Kwi‡e|
(3) GB AvB‡bi D‡Ïk¨ c~iYK‡í, evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
msµvš— Z_¨vw` Aby‡iv‡ai †cÖw¶‡Z ev cÖ‡qvRb †gvZv‡eK ¯^-D‡`¨v‡M miKvwi Ab¨ †Kvb ms¯’v‡K mieivn Kwi‡Z
cvwi‡e|Ó
(4) GB AvB‡bi weavb Abyhvqx Ab¨ †Kvb †`‡ki mwnZ m¤úvw`Z †Kvb Pzw³ ev e¨e¯’vi Aaxb mswk-ó †`‡ki dvBb¨vwÝqvj
B‡›Uwj‡RÝ BDwbU‡K gvwb jÛvwis ev mš¿vmx Kv‡h© A_©vqb ev †Kvb m‡›`nRbK †jb‡`b m¤úwK©Z Z_¨vw` mieivn Kwi‡e Ges
Ab¨ †Kvb †`‡ki wbKU nB‡Z Abyiƒc Z_¨ Pvwn‡Z cvwi‡e|
(5) Dc-aviv (4) G ewY©Z Pzw³ ev e¨e¯’v QvovI evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU †¶ÎgZ, ¯^cÖ‡Yvw`Zfv‡e Ab¨
†`‡ki dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU‡K Z_¨ mieivn Kwi‡Z cvwi‡e|
 wi‡cvU© cÖ`vbKvix ms¯’vi `vq-`vwqZ¡ (aviv- 25 )
(1) wi‡cvU© cÖ`vbKvix ms¯’vi wbgœiƒc `vq-`vwqZ¡ _vwK‡e t
(K) Dnvi MÖvn‡Ki wnmve cwiPvjbvKv‡j MÖvn‡Ki cwiwPwZi mwVK I c~Y©v½
Z_¨ msi¶Y Kiv;
(L) †Kvb MÖvn‡Ki wnmve eÜ nB‡j eÜ nIqvi ZvwiL nB‡Z Ab~¨b 5(cuvP)
ermi ch©š— D³ wnmv‡ei I †jb‡`b msµvš— Z_¨ msi¶Y Kiv;
(M) `dv (K) I (L) Gi Aaxb msiw¶Z Z_¨vw` evsjv‡`k dvBb¨vwÝqvj
B‡›Uwj‡RÝ BDwbU Pvwn`v †gvZv‡eK, mgq mgq, mieivn Kiv;
(N) aviv 2 (h) G msÁvwqZ †Kvb m‡›`nRbK †jb‡`b ev †jb‡`‡bi cÖ‡Póv
cwijw¶Z nB‡j ¯^-D‡`¨v‡M Awej‡¤^ evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ
BDwb‡U Ôm‡›`nRbK †jb‡`b wi‡cvU©Õ Kiv|
 wi‡cvU© cÖ`vbKvix ms¯’vi `vq-`vwqZ¡ (aviv - 25)
 (2) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v Dc-aviv (1) Gi weavb jsNb Kwi‡j evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU ―
 (K) D³ ms¯’v‡K Ab~¨b 50 (cÂvk) nvRvi UvKv Ges m‡e©v‛P 25 (cuwPk) j¶ UvKv ch©š—
Rwigvbv Kwi‡Z cvwi‡e; Ges
 (L) `dv (K) Gi Aaxb Av‡ivwcZ Rwigvbvi AwZwi³ D³ ms¯’v ev ms¯’vi †Kvb kvLv, mvwf©m
†m›Uvi, ey_ ev G‡R‡›Ui e¨emvwqK Kvh©µ‡gi AbygwZ ev jvB‡mÝ evwZj Kwi‡Z cvwi‡e ev
†¶ÎgZ, wbeÜbKvix ev jvB‡mÝ cÖ`vbKvix KZ…©c¶‡K D³ ms¯’vi wei‚‡× h_vh_ e¨e¯’v
MÖn‡Yi wbwg‡Ë welqwU AewnZ Kwi‡e|
 (3) Dc-aviv (2) Gi Aaxb Av‡ivwcZ Rwigvbvi A_© ivóªxq †KvlvMv‡i Rgv Kwi‡e|
 (4) wi‡cvU© cÖ`vbKvix ms¯’vi wbqš¿YKvix KZ…©c¶ Zvnv‡`i we`¨gvb Z`viwK Kvh©µ‡gi Ask
wn‡m‡e Dc-aviv (1) I wewa Øviv wba©vwiZ `vq-`vwqZ¡ cwicvjb wbwðZ Kwi‡e Ges
Dc-aviv (1) I wewa Øviv wba©vwiZ `vq-`vwqZ¡ cwicvj‡b wi‡cvU© cÖ`vbKvix ms¯’vi
e¨_©Zvi `vq wbqš¿YKvix KZ…©c‡¶i DciI eZ©vB‡e|
 (5) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v Dc-aviv (1) Gi weavbmn wewa Øviv wba©vwiZ †Kvb
weavb jsNb Kwi‡j wbqš¿YKvix KZ…©c¶ Dc-aviv (2) †gvZv‡eK e¨e¯’v MÖnY Kwi‡Z
cvwi‡e Ges GBi~‡c M„nxZ e¨e¯’v evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU‡K Awej‡¤^
AewnZ Kwi‡Z nB‡e|
 (6) wi‡cvU© cÖ`vbKvix ms¯’vi wbqš¿YKvix KZ…©c¶ Zvnv‡`i Z`viwK Kvh©µg ev Ab¨
†Kvbfv‡e GB AvB‡bi Aaxb msNwUZ †Kvb Aciva m¤ú‡K© AewnZ nB‡j ev wPwýZ
Kwi‡j Awej‡¤^ Zvnv evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU‡K AewnZ Kwi‡e|
 mij wek¦v‡m K…ZKvh© i¶Y (aviv - 28)

mij wek¦v‡m K…ZKvh© i¶Yt

• GB AvB‡bi ev wewai Aax‡b mij wek¦v‡m K„Z †Kvb Kv‡Ri d‡j
†Kvb e¨w³ ¶wZMÖ¯— nB‡j ev ¶wZMÖ¯— nBevi m¤¢vebv _vwK‡j, †mB
Rb¨ miKvi ev miKv‡ii †Kvb Kg©KZ©v-Kg©Pvix ev evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU ev BnviÓ †Kvb Kg©KZ©v- Kg©Pvix
ev Z`š—Kvix ms¯’v ev Bnvi †Kvb Kg©KZ©v-Kg©Pvix ev †Kvb wi‡cvU©
cÖ`vbKvix ms¯’v ev Dnvi cwiPvjbv cl©` ev Dnvi †Kvb Kg©KZ©v-
Kg©Pvixi wei‚‡× †Kvb †`Iqvbx ev †d․R`vix ev cÖkvmwbK ev Ab¨
†Kvb AvBbMZ Kvh©aviv `v‡qi Kiv hvB‡e bv|
mš¿vm we‡ivax AvBb Abyhvqx evsjv‡`k e¨vs‡Ki ¶gZv (aviv - 15)
• (1) GB AvB‡bi Aaxb †Kvb Aciva msNU‡bi D‡Ï‡k¨ †Kvb wi‡cvU© cÖ`vbKvix ms¯’vi gva¨‡g
†jb‡`b cÖwZ‡iva I mbv³ Kwi‡Z evsjv‡`k e¨vsK cÖ‡qvRbxq c`‡¶c MÖnY Kwi‡Z cvwi‡e Ges
GZ`y‡Ï‡k¨ Dnvi wbgœewY©Z ¶gZv I KZ…©Z¡ _vwK‡e, h_v t⎯
• (K) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v nB‡Z m‡›`nRbK †jb‡`b m¤úwK©Z cÖwZ‡e`b Zje Kiv;
• (L) †Kvb †jb‡`b mš¿vmx Kv‡h©i mwnZ m¤ú„³ g‡g© m‡›`n Kwievi hyw³msMZ KviY _vwK‡j
mswk-ó wi‡cvU© cÖ`vbKvix ms¯’v‡K D³ †jb‡`‡bi wnmve AbwaK wÎk w`‡bi Rb¨ ¯’wMZ ev
Aei‚× ivwLevi D‡Ï‡k¨ wjwLZ Av‡`k Rvix Kiv Ges GBiƒ‡c D³ wnmv‡ei †jb‡`b m¤úwK©Z
mwVK Z_¨ D`NvU‡bi cÖ‡qvRb †`Lv w`‡j †jb‡`b ¯’wMZ ev Aei‚× ivwLevi †gqv` AwZwi³
30 (wÎk) w`b Kwiqv m‡e©v‛P 6(Qq) gvm ewa©Z Kiv;
• (M) wi‡cvU© cÖ`vbKvix ms¯’vi Kvh©vejx cwiex¶Y I Z`viK Kiv;
• (N) mš¿vmx Kv‡h© A_© †hvMvb cÖwZnZ Kwievi D‡Ï‡k¨ cÖwZ‡ivag~jK c`‡¶c MÖn‡Y wi‡cvU©
cÖ`vbKvix ms¯’vmg~n‡K wb‡`©k cÖ`vb Kiv;
• (O) wi‡cvU© cÖ`vbKvix ms¯’v KZ…©K wb‡`©k cÖwZcvjb ch©‡e¶Y Kiv Ges GB AvB‡bi †h †Kvb
D‡Ïk¨ c~iYK‡í wi‡cvU© cÖ`vbKvix ms¯’vmg~n‡K miRwg‡b cwi`k©b Kiv ;
• (P)) mš¿vmx Kv‡h© A_©‡hvMv‡bi mwnZ RwoZ m‡›`nRbK †jb‡`b mbv³ I cÖwZ‡iv‡ai D‡Ï‡k¨
wi‡cvU© cÖ`vbKvix ms¯’vmg~‡ni Kg©KZ©v I Kg©PvixMY‡K cÖwk¶Y cÖ`vb Kiv|
mš¿vm we‡ivax AvBb Abyhvqx evsjv‡`k e¨vs‡Ki ¶gZv (aviv - 15)
• (2) evsjv‡`k e¨vsK, mš¿vmx Kv‡h© A_©‡hvMv‡bi mwnZ m¤ú„³ m‡›`nRbK †Kvb
†jb‡`‡bi wel‡q †Kvb wi‡cvU© cÖ`vbKvix ms¯’v ev Bnvi MÖvnK‡K mbv³ Kwievi
m‡½ m‡½, Dnv h_vh_ AvBb cÖ‡qvMKvix ms¯’v‡K AewnZ Kwi‡e Ges AbymÜvb
I Z`š— Kv‡h© cywjk ev mswk-ó AvBb cÖ‡qvMKvix ms¯’v‡K cÖ‡qvRbxq mKj
cÖKvi mn‡hvwMZv cÖ`vb Kwi‡e|
• (3) Ab¨ †`‡k msNwUZ wePvivaxb Aciv‡ai †¶‡Î evsjv‡`k e¨vsK miKvi
KZ…©K M„nxZ †Kvb Avš—R©vwZK, AvÂwjK ev wØ-cvw¶K Pzw³, RvwZms‡Ni
Kb‡fbkb ev RvwZms‡Ni wbivcËv cwil` KZ…©K M„wnZ mswk-ó †iRy‡jk‡bi
AvIZvq †Kvb e¨w³ ev mËvi wnmve Rã Kivi D‡`¨vM MÖnY Kwi‡e|
• (4) Dc-aviv (3) Gi AvIZvq RãK…Z A_© mswk-ó Pzw³, Kb‡fbkb ev
RvwZms‡Ni wbivcËv cwil` KZ…©K M„wnZ mswk-ó †iRy‡jk‡bi Av‡jv‡K
mswk-ó Av`vjZ KZ…©K wb®úwˇhvM¨ nB‡e|
 mš¿vm we‡ivax AvBb Abyhvqx evsjv‡`k e¨vs‡Ki ¶gZv (aviv - 15)
• (5) GB AvB‡bi Aax‡b evsjv‡`k e¨vs‡Ki `vq - `vwqZ¡ I ¶gZv evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (we.Gd.AvB. BD) KZ©©„K cÖ‡qvM I m¤úvw`Z nB‡e
Ges evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU †Kvb Z_¨ mieiv‡ni Aby‡iva Ki‡j
miKvwi, AvavmiKvwi, ¯^vqËkvwmZ ms¯’v Zvnv mieivn Ki‡e ev †¶ÎgZ, ¯^cÖ‡bvw`Z
nBqv Z_¨vw` mieivn Kwi‡e|
• (6) evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡R›U BDwbU Pvwn`v Abyhvqx ev †¶ÎgZ,
¯^cÖ‡bvw`Zfv‡e mš¿vmx Kvh© ev mš¿vmx Kv‡h© A_©vqb m¤ú„³ Z_¨vw` Ab¨ †`‡ki
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU‡K mieivn Kwi‡Z cvwi‡e|
AvBb cÖ‡qvMKvix ms¯’v‡K Z_¨ cÖ`vb (aviv 15 Dc- aviv -7)
 (7) mš¿vmx Kv‡h© A_©vq‡bi wel‡q Z`‡š—i ¯^v‡_© †Kvb AvBb
cÖ‡qvMKvix ms¯’v KZ…K
© †Kvb e¨vs‡Ki `wjj ev †Kvb bw_‡Z wbgœewY©Z
k‡Z© cÖ‡ekvwaKvi _vwK‡e, h_vt⎯
 (K) Dchy³ Av`vjZ ev UªvBey¨bv‡ji Av‡`kµ‡g;
A_ev
 (L) evsjv‡`k e¨vs‡Ki Aby‡gv`bµ‡g|Ó|
 wi‡cvU© cÖ`vbKvix ms¯’vi `vwqZ¡ (aviv - 16)
• (1) †Kvb wi‡cvU© cÖ`vbKvix ms¯’vi gva¨‡g GB AvB‡bi Aaxb †Kvb Aciv‡ai
mwnZ RwoZ A_© †jb‡`b cÖwZ‡iva I mbv³ Kwievi j‡¶¨ cÖ‡Z¨K wi‡cvU©
cÖ`vbKvix ms¯’v h_vh_ mZ©KZv I `vwqZ¡kxjZvi mwnZ cÖ‡qvRbxq e¨e¯’v MÖnY
Kwi‡e Ges †Kvb m‡›`nRbK †jb‡`b wPwýZ nB‡j ¯^cÖ‡bvw`Z nBqv †Kvb cÖKvi
wej¤^ e¨wZ‡i‡K evsjv‡`k e¨vsK‡K wi‡cvU© Kwi‡e|
• (2) cÖ‡Z¨K wi‡cvU© cÖ`vbKvix ms¯’vi cwiPvjbv cwil` (Board of
Directors) ev cwiPvjbv cwil‡`i Abycw¯’wZ‡Z cÖavb wbe©vnx, ev Ab¨ †h bv‡g
WvKv nDK bv †Kb, Dnvi Kg©KZ©v‡`i `vwqZ¡ m¤úwK©Z wb‡`©kbv Aby‡gv`b I
Rvix Kwi‡e, Ges aviv 15 Gi Aaxb evsjv‡`k e¨vsK KZ…©K RvixK…Z wb‡`©kbv,
hvnv wi‡cvU© cÖ`vbKvix ms¯’vmg~‡ni Rb¨ cÖ‡hvR¨, cÖwZcvjb Kiv nB‡Z‡Q wKbv
Dnv wbwðZ Kwi‡e|
 kvw¯Í (aviv - 16)

• (3) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v Dc aviv (1) Gi weavb cÖwZcvj‡b e¨_© nB‡j D³ wi‡cvU©
cÖ`vbKvix ms¯’v evsjv‡`k e¨vsK KZ…©K wba©vwiZ I wb‡`©wkZ AbwaK 25 (cwPuk) j¶ UvKv Rwigvbv
cwi‡kva Kwi‡Z eva¨ _vwK‡e Ges evsjv‡`k e¨vsK H ms¯’v ev ms¯’vi †Kvb kvLv, mvwf©m †m›Uvi, ey_
ev G‡R‡›Ui evsjv‡`‡k Kvh©µg cwiPvjbv iwnZ Kwievi D‡Ï‡k¨ wbeÜb ev jvB‡mÝ ¯’wMZ Kwi‡Z
cvwi‡e ev †¶ÎgZ, wbeÜbKvix ev jvB‡mÝ cÖ`vbKvix KZ…©c¶‡K D³ ms¯’vi weiæ‡× h_vh_ e¨e¯’v
MÖn‡Yi wbwgË welqwU AewnZ Kwi‡e|
• (4) hw` †Kvb wi‡cvU© cÖ`vbKvix ms¯’vi cwiPvjbv cwil` ev cwiPvjbv cwil` bv _vwK‡j Dnvi cÖavb
wbe©vnx Kg©KZ©v †h bv‡gB AwfwnZ Kiv nDK bv †Kb, Dc aviv (2) Gi weavb cÖwZcvj‡b e¨_© nb
Zvnv nB‡j cwiPvjbv cwil‡`i †Pqvig¨vb ev †¶ÎgZ, cÖavb wbe©vnx Kg©KZ©v evsjv‡`k e¨vsK KZ…©K
wba©vwiZ I wb‡`©wkZ AbwaK 25 (cwPuk) j¶ UvKv Rwigvbv cwi‡kva Kwi‡Z eva¨ _vwK‡e Ges
evsjv‡`k e¨vsK D³ e¨w³‡K Zvnvi c` nB‡Z AcmviY Kwi‡Z cvwi‡e |
• (5) DcÑaviv (3) Ges DcÑaviv (4)†gvZv‡eK evsjv‡`k e¨vsK KZ„K© Av‡ivwcZ Rwigvbv †Kvb
wi‡cvU© cÖ`vbKvix ms¯’v cwi‡kva Kwi‡Z e¨_© nB‡j ev cwi‡kva bv Kwi‡j evsjv‡`k e¨vsK mswk-ó
wi‡cvU© cÖ`vbKvix ms¯’v ev D³ e¨w³ KZ…K
© wbR bv‡g †h †Kvb e¨vsK ev Avw_©K cÖwZôvb ev evsjv‡`k
e¨vs‡K cwiPvwjZ wnmve weKjbc~eK © Av`vq Kwi‡Z cvwi‡e Ges D³ Rwigvbvi †Kvb Ask Abv`vqx
_vwK‡j Dnv Av`v‡q, cÖ‡qvR‡b, evsjv‡`k e¨vsK mswk-ó Av`vj‡Z Av‡e`b Kwi‡Z cvwi‡e|Ó|
ab¨ev`