Website: www.bb.org.

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12 GwcÖj 2020
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e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx
evsjv‡`‡k Kvh©iZ mKj Zdwmwj e¨vsK I Avw_©K cÖwZôvb|

wcªq g‡nv`q,

b‡fj K‡ivbv fvBivm (COVID-19)-Gi cÖv`yf©v‡ei Kvi‡Y evsjv‡`‡k

m¤¢ve¨ A_©‰bwZK cÖfve †gvKv‡ejvq Avw_©K cÖ‡Yv`bv cÖm‡½|

b‡fj K‡ivbv fvBivm (COVID-19) Gi cÖv`yf©v‡ei Kvi‡Y evsjv‡`‡k m¤¢ve¨ A_©‰bwZK cÖfve †gvKv‡ejvq †`‡ki
A_©‰bwZK Kg©KvÛ cybiæ¾xweZKiY, kÖwgK-Kg©Pvix‡`i Kv‡R envj Ges D‡`¨v³v‡`i cÖwZ‡hvwMZvi mÿgZv Aÿzbœ
ivLvi j‡ÿ¨ e¨vswKs e¨e¯’vi gva¨‡g ¯^í my‡` FY myweav cÖeZ©‡bi j‡ÿ¨ weMZ 05 GwcÖj 2020 Zvwi‡L gvbbxq
cÖavbgš¿x ¶wZMÖ¯Í wkí I mvwf©m †m±‡ii cÖwZôvbmg~‡ni Rb¨ IqvwK©s K¨vwcUvj wn‡m‡e FY/wewb‡qvM myweav cÖ`v‡bi
j‡ÿ¨ 30 nvRvi †KvwU UvKvi Avw_©K mnvqZv †NvlYv K‡ib|
D³ c¨v‡K‡Ri AvIZvq evwYwR¨K e¨vsK¸‡jv K‡ivbv fvBiv‡mi cÖv`yf©v‡e ¶wZMÖ¯Í wkí I mvwf©m †m±‡ii
cÖwZôvbmg~n‡K Zv‡`i wbR¯^ Znwej †_‡K e¨vsKvi-MÖvnK m¤ú‡K©i wfwˇZ IqvwK©s K¨vwcUvj eve` FY/wewb‡qvM
myweav w`‡e| IqvwK©s K¨vwcUvj wn‡m‡e cÖ`Ë FY/wewb‡qvM myweavi wecix‡Z ¶wZMÖ¯Í wkí I mvwf©m †m±‡ii
cÖwZôvbmg~‡ni Dci my`/gybvdvi †evSv mnbxq Kiv/jvN‡ei j‡ÿ¨ G c¨v‡KR †NvlYv Kiv n‡q‡Q| MÖvnK ch©v‡q
mnbxq my`/gybvdvi nvi Kvh©Ki Kivi j‡¶¨ eZ©gv‡b Pjgvb my`/gybvdvi nvi 9.00% Gi wecix‡Z miKvi 4.50%
my` fZ©zKx wn‡m‡e cÖ`vb Ki‡e| G myweavi AvIZvq mnR k‡Z© FY/wewb‡qvM myweav MÖnY/cÖ`v‡bi ‡ÿ‡Î wb¤œewY©Z
wb‡`©kbvmg~n AbymiYxq n‡et

1) FY/wewb‡qvM cÖ‡Yv`bv c¨v‡K‡Ri e¨e¯’vcbvt

G c¨v‡K‡Ri AvIZvq Zdwmwj e¨vs‡Ki wbR¯^ FY/wewb‡qvM bxwZgvjv Abyhvqx FY/wewb‡qvM gÄyix/Aby‡gvw`Z
n‡Z n‡e| Z‡e cÖwZwU FY/wewb‡qvM weZi‡Yi c~‡e© evsjv‡`k e¨vsK Gi e¨vswKs cÖwewa I bxwZ wefvM n‡Z
m¤§wZcÎ MÖnY Ki‡Z n‡e| miKvi KZ©…K fZ©yKx eve` cÖ`Ë my`/gybvdvi Ask evsjv‡`k e¨vsK Gi cÖavb
Kvh©vjq Gi GKvD›Um GÛ ev‡RwUs wWcvU©‡g›U KZ©„K cÖ`Ë n‡e| miKvi n‡Z fZz©Kx eve` my`/gybvdvi cybf©iY
MÖnY msµvšÍ Kvh©µg mswkøó e¨vs‡Ki cÖavb Kvh©vjq/wcÖwÝcvj Awdm KZ©„K m¤úvw`Z n‡Z n‡e|

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2) e¨vsKIqvix FY/wewb‡qv†Mi mxgv Ges †gqv`t
K) e¨vswKs †m±i KZ©…K wkí I mvwf©m †m±‡i IqvwK©s K¨vwcUvj wn‡m‡e cÖ`Ë FY/wewb‡qv‡Mi wecix‡Z 31
wW‡m¤^i 2019 ZvwiL w¯’wZi g‡a¨ ¯^ ¯^ e¨vs‡Ki Ae`vb Ges m¤¢ve¨ FY/wewb‡qvM Pvwn`vi welqwU we‡ePbvq
wb‡q cÖwZwU e¨vsK G c¨v‡K‡Ri AvIZvq FY/wewb‡qv‡Mi wbR¯^ Pvwn`v wba©viY Ki‡e hv G c¨v‡K‡Ri
AvIZvq mswkøó e¨vs‡Ki FY/wewb‡qv‡Mi cÖv_wgK mxgv wn‡m‡e we‡ewPZ n‡e| D³ mxgvi Dci wfwË K‡i
e¨vsK Zv‡`i FY/wewb‡qvM Kvh©µg cwiPvjbv Ki‡e| †h‡nZy Av‡jvP¨ c¨v‡K‡Ri AvIZvq †gvU Znwe‡ji
cwigvY wba©vwiZ i‡q‡Q, †m‡nZz e¨vsK KZ…©K D³ mxgv wba©vi‡Yi ci ¯^íZg mg‡qi g‡a¨ evsjv‡`k e¨vsK
Gi e¨vswKs cÖwewa I bxwZ wefvM‡K AewnZ Ki‡Z n‡e| G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM Kvh©©µg
myôyfv‡e m¤úbœ Kivmn mvwe©K Kvh©µ‡gi g‡a¨ mvgÄm¨Ki‡Yi j‡ÿ¨ evsjv‡`k e¨vsK cÖ‡qvR‡b D³ mxgv
e„w×/n«vm Ki‡Z cvi‡e;
L) G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM myweav cÖ`v‡bi ‡ÿ‡Î 31 wW‡m¤^i 2019 Zvwi‡Li w¯’wZwfwËK wkí I
mvwf©m †m±†ii wewfbœ mve-‡m±‡i IqvwK©s K¨vwcUvj wn‡m‡e cÖ`Ë FY/wewb‡qvM w¯’wZi AvbycvwZK nv‡ii
mv‡_ mvgÄm¨Zv i¶v Ki‡Z n‡e;
M) G c¨v‡K‡Ri †gqv` n‡e 3(wZb) eQi| Z‡e, †Kv‡bv GKK MÖvn‡Ki AbyK~‡j cÖ`Ë FY/wewb‡qv‡Mi Rb¨
m‡e©v”P GK eQi †gqv‡`i Rb¨ G c¨v‡K‡Ri AvIZvq miKvi n‡Z fZz©Kx cvIqv hv‡e|

3) FY/wewb‡qvM cÖvwßi †hvM¨Zvt

‡h mKj wkí I mvwf©m †m±‡ii cÖwZôvb (CMSME e¨ZxZ) K‡ivbv fvBiv‡mi cÖv`yf©v‡ei Kvi‡Y ¶wZMÖ¯Í
n‡q‡Q ïaygvÎ †m mKj cÖwZôvb G myweavi AvIZvfz³ n‡e| G myweav cÖvwßi †ÿ‡Î wb¤œewY©Z kZ©mg~n cÖ‡hvR¨
n‡et
K) ‡Ljvcx FY/wewb‡qvM MÖnxZvMY G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM myweav cÖvc¨ n‡e bv| GZبZxZ †Kv‡bv
FY/wewb‡qvM MÖnxZv cÖwZôv‡bi ‡Kvb FY/wewb‡qvM g›`/ÿwZRbK gv‡b †kÖYxK…Z nIqvi ci B‡Zvc~‡e©
wZbev‡ii AwaK cybtZdwmjK…Z n‡j Giƒc FY/wewb‡qvM MÖnxZv cÖwZôvb G c¨v‡K‡Ri AvIZvq
FY/wewb‡qvM myweav cÖvc¨ n‡e bv;
L) bZzbfv‡e FY/wewb‡qvM MÖn‡Y B”QyK Av‡e`bKvix (hviv G hveZ wbR¯^ cyuwRi gva¨‡g e¨emv cwiPvjbv K‡i
Avm‡Q wKš‘ K‡ivbv fvBiv‡mi cÖv`yf©v‡e ÿwZMÖ¯Í nIqvq e¨vsK FY/wewb‡qv‡Mi Dci wbf©ikxj n‡Z n‡”Q)
Ges we`¨gvb FY/wewb‡qvM MÖnxZv-Df‡qi †ÿ‡ÎB Guidelines on Internal Credit Risk Rating
System for Banks (ICRRS) Abyhvqx me©‡kl mgvß wnmve eQ‡ii wbixwÿZ Avw_©K weeiYxi
(FY/wewb‡qvM MÖn‡Yi Av‡e`‡bi mgq me©‡kl wnmve eQi †kl nIqvi Qq gvm AwZevwnZ bv n‡j c~e©eZ©x
wnmve eQ‡ii wbixwÿZ Avw_©K weeiYx) Z‡_¨i wfwˇZ †iwUs b~¨bZg Marginal n‡Z n‡e|

4) FY/wewb‡qv‡Mi e¨envit
K) K‡ivbv fvBiv‡mi cÖv`yf©v‡e ¶wZMÖ¯Í wkí I mvwf©m †m±‡ii cÖwZôvbmg~‡ni ¯^vfvweK Kvh©µg cwiPvjbvi
D‡Ï‡k¨ IqvwK©s K¨vwcUvj FY/wewb‡qv‡Mi Pvwn`vi wecix‡Z G c¨v‡K‡Ri AvIZvq cÖ`Ë FY/wewb‡qvM
e¨envi Kiv hv‡e;
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 L) G c¨v‡K‡Ri AvIZvq M„nxZ FY/wewb‡qvM w`‡q we`¨gvb †Kvb FY/wewb‡qvM wnmve mgš^q/cwi‡kva Kiv
hv‡e bv;
M) weGgAviB-mn e¨emv m¤úªmviY ev bZzb †Kvb e¨emv Pvjyi Rb¨ G FY/wewb‡qvM e¨envi Kiv hv‡e bv|

5) wkí I mvwf©m †m±‡ii AbyK~‡j cÖ‡`q FY/wewb‡qvM mxgv I †gqv`t

K) wkí I mvwf©m †m±‡ii ÿwZMÖ¯Í †h mKj cÖwZôvb eZ©gv‡b e¨vsK n‡Z IqvwK©s K¨vwcUvj FY/wewb‡qvM myweav
†fvM Ki‡Q †m mKj cÖwZôv‡bi †ÿ‡Î G c¨v‡K‡Ri AvIZvq FY/wewb‡qv‡Mi mxgv n‡e we`¨gvb IqvwK©s
K¨vwcUvj eve` gÄyixK…Z/cÖ`Ë mxgvi m‡e©v”P 30%;
L) wkí I mvwf©m †m±‡ii ÿwZMÖ¯Í †h mKj cÖwZôvb eZ©gv‡b e¨vsK n‡Z IqvwK©s K¨vwcUvj FY/wewb‡qvM myweav
†fvM Ki‡Q bv ‡m mKj cÖwZôv‡bi †ÿ‡Î FY/wewb‡qvM cÖ`vbKvix e¨vs‡Ki we`¨gvb bxwZgvjvi AvIZvq
IqvwK©s K¨vwcUvj eve` FY/wewb‡qv‡Mi cÖvc¨Zv mxgv wba©vwiZ n‡e| G c¨v‡K‡Ri AvIZvq FY/wewb‡qv‡Mi
mxgv n‡e DwjøwLZ cÖvc¨Zv mxgvi m‡e©v”P 30%;
M) G c¨v‡K‡Ri AvIZvq cÖ`Ë FY/wewb‡qvM GKwU Pjgvb FY/wewb‡qvM wn‡m‡e we‡ewPZ n‡e| Pjgvb
FY/wewb‡qvMwU Working Capital under Stimulus Package bv‡g AwfwnZ n‡e Ges wmGj-2
weeiYx‡Z wi‡cvU© Ki‡Z n‡e| cÖwZwU FY/wewb‡qv‡Mi †gqv` n‡e m‡e©v”P 1(GK) eQi| Av‡jvP¨ c¨v‡K‡Ri
AvIZvq G FY/wewb‡qvM myweav bevqb Kiv hv‡e bv| Z‡e FY/wewb‡qvM MÖnxZv cÖwZôv‡bi e¨emvwqK
†jb‡`b m‡šÍvlRbK n‡j e¨vsKvi-MÖvnK m¤ú‡K©i wfwˇZ FY/wewb‡qvM myweavwU bevqb Kiv †h‡Z cv‡i|
†m‡ÿ‡Î cieZ©x mg‡qi Rb¨ miKv‡ii wbKU n‡Z my`/gybvdv eve` †Kvb fZ©yKx cÖvc¨ n‡e bv|

6) FY/wewb‡qv‡Mi my`/gybvdvi nvit

K) G FY/wewb‡qv†Mi my`/gybvdvi nvi n‡e m‡e©v”P 9.00 kZvsk| cÖ`Ë FY/wewb‡qv‡Mi Dci Av‡ivwcZ
my`/gybvdvi A‡a©K A_©vr 4.50 kZvsk FY/wewb‡qvM MÖnxZv cÖwZôvb cwi‡kva Ki‡e Ges Aewkó 4.50
kZvsk miKvi fZz©Kx wn‡m‡e mswkøó e¨vsK‡K cÖ`vb Ki‡e| G‡ÿ‡Î AÎ mvK©zjv‡ii 2(M)bs µwg‡K ewY©Z
bxwZgvjv Abyhvqx †Kv‡bv GKK FY/wewb‡qvM MÖnxZv cÖwZôvb m‡e©v”P GK eQ‡ii Rb¨ miKvi n‡Z fZz©Kx
cÖvc¨ n‡e;
L) FY/wewb‡qv‡Mi Dci 9 kZvsk nv‡i my`/gybvdv Av‡ivwcZ n‡jI miKvi n‡Z cÖvc¨ fZ©yKxi mgcwigvY A_©
FY/wewb‡qvM MÖnxZvi `vq wn‡m‡e we‡ewPZ n‡e bv| Z‡e FY/wewb‡qvM MÖnxZv KZ©„K cÖ‡`q wba©vwiZ
my`/gybvdv (4.5%) AÎ bxwZgvjvi 8(K), 9(K) I 9(L)-G ewY©Z wb‡`©kbv Abyhvqx h_vmg‡q cwi‡kvwaZ
bv n‡j mgy`q Av‡ivwcZ my`/gybvdv FY/wewb‡qvM MÖnxZvi `vq wn‡m‡e we‡ewPZ n‡e|

7) FY/wewb‡qv‡Mi Av‡e`b MÖnY, Aby‡gv`b, weZiY I Z`viwK cÖwµqvt

G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM cÖvwßi Rb¨ Av‡e`b MÖnY, Aby‡gv`b, weZiY I Z`viwK Kvh©µg wb¤œewY©Z
Dcv‡q m¤úvw`Z n‡et
K) K‡ivbv fvBiv‡mi cÖv`yf©v‡ei Kvi‡Y ÿwZMÖ¯Í wkí I mvwf©m †m±‡ii cÖwZôvb †h †Kv‡bv Zdwmwj e¨vs‡K
FY/wewb‡qv‡Mi Rb¨ Av‡e`b Ki‡Z cvi‡e;
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L) AÎ mvK©zjv‡ii 2bs µwg‡K ewY©Z bxwZgvjv Abyhvqx G c¨v‡K‡Ri AvIZvq cÖwZwU e¨vs‡Ki FY/wewb‡qv‡Mi
†gvU mxgv (LvZ-wfwËKmn) wba©vwiZ n‡e| e¨vsK KZ…©K cÖ`Ë †gvU FY/wewb‡qv‡Mi cwigvY D³ wba©vwiZ
mxgvi AwZwi³ n‡j mxgvwZwi³ FY/wewb‡qv‡Mi Dci miKvi n‡Z fZy©Kx cÖvc¨ n‡e bv;
M) FY/wewb‡qvM MÖn‡Y B”QzK Av‡e`bKvix cÖwZôvbwU K‡ivbv fvBiv‡mi cÖfv‡e ¶wZMÖ¯Í n‡q‡Q- G welqwU
wbwðZ n‡q Zdwmwj e¨vsK ¯^-¯^ mxgvi g‡a¨ wbR¯^ FY/wewb‡qvM bxwZgvjvi AvIZvq FY/wewb‡qvM SuywK
we‡kølYc~e©K e¨vsKvi-MÖvnK m¤ú‡K©i wfwˇZ FY/wewb‡qv‡Mi gÄyix/Aby‡gv`b cÖ`vb Ki‡e;
N) G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM MÖn‡Y B”QzK †hvM¨ Av‡e`bKvix‡`i FY/wewb‡qvM Pvwn`v ¯^-¯^ e¨vs‡Ki
FY/wewb‡qvM mxgvi AwaK n‡j FY/wewb‡qvM cÖ`v‡bi †ÿ‡Î A‡cÿvK…Z †ewk ÿwZMÖ¯Í cÖwZôvb‡K
AMÖvwaKvi (Priority) w`‡Z n‡e| cÖ`Ë FY/wewb‡qvM mgš^q/cwi‡kvwaZ n‡j A_ev wbav©wiZ ‡gqv` GK
eQi AwZevwnZ n‡j (‡hwU Av‡M N‡U) cieZ©x‡Z FY/wewb‡qvM cÖ`v‡bi †ÿ‡Î GKBfv‡e A‡cÿvK…Z †ewk
ÿwZMÖ¯Í cÖwZôvb‡K AMÖvwaKvi w`‡Z n‡e| ‡Kv‡bv e¨vsK Gfv‡e †gvU wZb eQi ch©šÍ G c¨v‡K‡Ri AvIZvq
FY/wewb‡qvM myweav cÖ`vb Ki‡Z cvi‡e| Z‡e GKwU cÖwZôvb ïaygvÎ GK eQ‡ii Rb¨ Av‡jvP¨ fZz©Kx
myweav cÖvc¨ n‡e;
O) cÖ`Ë FY/wewb‡qvM myweav ¯^í msL¨K MÖvnK‡`i g‡a¨ ‡K›`ªxf~Z bv K‡i ÿwZMÖ¯Í wkí I mvwf©m †m±‡ii
AwaK msL¨K cÖwZôvb hv‡Z G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM myweav †fvM Ki‡Z cv‡i FY/wewb‡qvM
cÖ`vbKvix e¨vsK †m welqwU‡K ¸iæZ¡ w`‡e;
P) Av‡jvP¨ FY/wewb‡qvM myweav cÖ`v‡bi †ÿ‡Î evsjv‡`k e¨vsK KZ©„K RvwiK…Z GKK MÖvnK FYmxgv (Single
Borrower Exposure Limit) msµvšÍ wb‡`©kbv cÖ‡hvR¨ n‡e;
Q) evsjv‡`k e¨vsK Gi e¨vswKs cÖwewa I bxwZ wefv‡Mi AvIZvq Ôwe‡kl gwbUwis BDwbUÕ bv‡g GKwU BDwbU
_vK‡e| G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM msµvšÍ †h †Kvb cÖ‡qvR‡b Zdwmwj e¨vsKmg~n D³ BDwb‡Ui
mv‡_ †hvMv‡hvM Ki‡e| GZبZxZ D³ BDwbU Gi ZË¡eav‡b †h †Kvb mgq G c¨v‡K‡Ri AvIZvq cÖ`Ë
FY/wewb‡qvM Kvh©µg cwi`k©b Kiv n‡e;
R) e¨vs‡Ki h_vh_ KZ©„cÿ KZ…©K FY/wewb‡qv‡Mi gÄyix/Aby‡gv`b nIqvi ci Dchy³ KZ©…c‡¶i Aby‡gv`‡bi
Kwc, FY MÖn‡Y B”QzK Av‡e`bKvixi AbyK~‡j FY/wewb‡qvM gÄyixi ¯^c‡ÿ e¨vs‡Ki gZvgZmn e¨e¯’vcbv
cwiPvjK/cÖavb wbe©vnx (we‡`kx e¨vs‡Ki †ÿ‡Î evsjv‡`k Acv‡ik‡bi cÖavb) Gi ¯^vÿ‡i Ôms‡hvRbx K-1Õ-
G ewY©Z di‡gU ‡gvZv‡eK Ges Ôms‡hvRbx K-2Õ-G ewY©Z Z_¨vw`mn FY/wewb‡qvM cÖ`v‡bi j‡ÿ¨ evsjv‡`k
e¨vs‡Ki m¤§wZcÎ cÖvwßi Rb¨ e¨vswKs cÖwewa I bxwZ wefvM eive‡i Av‡e`b Ki‡Z n‡e| GZ`&&msµvšÍ
Kvh©µg myôyfv‡e m¤úv`b Kivi j‡ÿ¨ e¨vs‡Ki cÖavb wbe©vnxi mivmwi ZË¡veav‡b GKwU Ôwe‡kl †mjÕ MVb
Ki‡Z n‡e Ges D³ †mj G c¨v‡K‡Ri AvIZvq FY/wewb‡qvM Kvh©µ‡gi †dvKvj c‡q›U wn‡m‡e KvR
Ki‡e I evsjv‡`k e¨vs‡Ki we‡kl gwbUwis BDwb‡Ui mv‡_ cÖ‡qvRbxq ‡hvMv‡hvM iÿv Ki‡e;
S) evsjv‡`k e¨vs‡Ki m¤§wZ cÎ cÖvwßi ci e¨vsK wbR¯^ FY/wewb‡qvM bxwZgvjvi AvIZvq cÖ‡qvRbxq Kvh©µg
m¤úbœ K‡i wbR¯^ Znwej n‡Z FY/wewb‡qvM weZiY Ki‡e;
T) AÎ mvKy©jv‡ii AvIZvq e¨vsK KZ…©K cÖ`Ë FY/wewb‡qvM Gi Z_¨ Ôms‡hvRbx MÕ Abyhvqx gvwmK wfwˇZ gvm
†k‡l cieZx© gv‡mi 10 Zvwi‡Li g‡a¨ e¨vswKs cªwewa I bxwZ wefvM-G †cÖiY Ki‡Z n‡e|
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8) FY/wewb‡qvM Av`vq cÖwµqvt
K) G myweav cÖvwßi j‡ÿ¨ FY/wewb‡qv‡Mi wecix‡Z Av‡ivwcZ my`/gybvdvmn FY/wewb‡qv‡Mi w¯’wZ (Loan
Outstanding) gÄyixK…Z FY/wewb‡qvM mxgv AwZµg Ki‡Z cvi‡e bv| Z‡e †Kv‡bv Kvi‡Y my`/gybvdv
Av‡iv‡ci d‡j FY/wewb‡qv‡Mi w¯’wZ FY/wewb‡qvM mxgv AwZµg Ki‡j cÖwZ ‰ÎgvwmK †k‡l cieZ©x 05
(cvuP) Kg©w`e‡mi g‡a¨ FY/wewb‡qvM MÖnxZv KZ„©K Zv cwi‡kvwaZ/mgwš^Z n‡Z n‡e;
L) weZiYK…Z FY/wewb‡qvM Av`v‡qi mKj `vq-`vwqZ¡ FY/wewb‡qvM cÖ`vbKvix e¨vs‡Ki Dci eZ©v‡e;
M) FY/wewb‡qvM Abv`v‡q Giƒc wnmve †kÖYxKiY I cÖwfkwbs msµvšÍ we`¨gvb bxwZgvjv Abyhvqx †kÖYxKiYc~e©K
h_vh_ cÖwfkb msiÿY Ki‡Z n‡e|

9) FY/wewb‡qv‡Mi wecix‡Z my`/gybvdvi A_© cybf©iY cÖwµqvt

K) G c¨v‡K‡Ri AvIZvq weZiYK…Z FY/wewb‡qv‡Mi Dci Av‡ivwcZ my`/gybvdv mvK©zjv‡i ewY©Z wbqgvbyhvqx
Av`vq n‡j ‰ÎgvwmK wfwˇZ (gvP©, Ryb, †m‡Þ¤^i I wW‡m¤^i) G mvK©zjvi †gvZv‡eK †gvU wba©vwiZ
my`/gybvdvi A‡a©K miKv‡ii wbKU n‡Z mswkøó e¨vsK fZy©Kx wn‡m‡e cÖvc¨ n‡e| D‡jøL¨, fZz©Kx eve` cÖvc¨
A_© ev‡` †Kv‡bv FY/wewb‡qvM MÖnxZvi FY/wewb‡qvM w¯’wZ mxgvi g‡a¨ _vK‡j my`/gybvdvi A_© Av`vq
wn‡m‡e we‡ewPZ n‡e;
L) mswkøó e¨vsK FY/wewb‡qv‡Mi Dci wba©vwiZ my`/gybvdv Av‡ivc K‡i FY/wewb‡qvM MÖnxZvi Ask Av`vqc~e©K
ˆÎgvwmK ‡k‡l cieZ©x gv‡mi 10 Zvwi‡Li g‡a¨ evsjv‡`‡ki e¨vs‡Ki m¤§wZcÎmn Ôms‡hvRbx-L-1Õ I
Ôms‡hvRbx-L-2Õ Abyhvqx evsjv‡`k e¨vs‡Ki GKvD›Um GÛ ev‡RwUs wWcvU©‡g›U eive‡i my`/gybvdv eve`
fZz©Kxi Rb¨ Av‡e`b Ki‡e;
M) GKvD›Um GÛ ev‡RwUs wWcvU©‡g›U Giƒc Av‡e`b hvPvBc~e©K fZ©yKx eve` cÖvc¨ my`/gybvdvi A_© evsjv‡`k
e¨vs‡Ki mv‡_ iwÿZ mswkøó e¨vs‡Ki PjwZ wnmv‡e Rgv Ki‡e;
N) FY/wewb‡qv‡Mi Dci Av‡ivwcZ my`/gybvdvi g‡a¨ MÖvnK KZ…©K cÖ‡`q Ask AÎ bxwZgvjv Abyhvqx h_vmg‡q
Av`vq/cwi‡kvwaZ bv n‡j miKv‡ii wbKU n‡Z my`/gybvdv eve` fZ©zKxi A_© cÖvc¨ n‡e bv| G‡ÿ‡Î mswkøó
e¨vsK Giƒc A_© MÖvn‡Ki FY/wewb‡qvM wnmv‡ei wecix‡Z Av‡ivc Ki‡Z cvi‡e Ges Zv MÖvn‡Ki `vq
wn‡m‡e we‡ewPZ n‡e|

10) Avw_©K cÖwZôv‡bi ‡ÿ‡Î cÖ‡hvR¨Zvt

K) Dc‡iv³ wb‡`©kbvmg~n Avw_©K cÖwZôvb AvBb, 1993 Gi AvIZvq Kvh©iZ Avw_©K cÖwZôvbmg~‡ni Rb¨I
mgfv‡e cÖ‡hvR¨ n‡e| Avw_©K cÖwZôvbmg~‡ni †ÿ‡ÎI G c¨v‡K‡Ri AvIZvq cÖ`Ë FY/wewb‡qv†Mi
my`/gybvdvi nvi n‡e m‡e©v”P 9 kZvsk Ges cÖ`Ë FY/wewb‡qv‡Mi my`/gybvdvi A‡a©K A_©vr 4 `kwgK 50
kZvsk FY/wewb‡qvM MÖnxZv cwi‡kva Ki‡e Ges Aewkó 4 `kwgK 50 kZvsk miKvi fZy©Kx wn‡m‡e
mswkøó Avw_©K cÖwZôvb‡K cÖ`vb Ki‡e|
L) cÖwZwU FY/wewb‡qvM weZi‡Yi c~‡e© evsjv‡`k e¨vsK Gi Avw_©K cÖwZôvb I evRvi wefvM n‡Z m¤§wZcÎ
MÖnY Ki‡Z n‡e|
Page 5 of 11
 M) Avw_©K cÖwZôvb KZ…©K FY/wewb‡qvM cÖ`v‡bi †ÿ‡Î ICRRS cÖ‡hvR¨ n‡e bv| G‡ÿ‡Î FY/wewb‡qvM cÖ`v‡bi
†ÿ‡Î Avw_©K cÖwZôvb I evRvi wefvM KZ©…K RvwiK…Z bxwZgvjv (hw` _v‡K) Ges mswkøó Avw_©K cÖwZôv‡bi
we`¨gvb FY/wewb‡qvM bxwZgvjv I wewa-weavb cÖ‡hvR¨ n‡e|
N) AÎ mvKz©jv‡ii AvIZvq FY/wewb‡qvM cÖ`v‡bi †ÿ‡Î cÖv‡qvwMK myweav‡_© Avw_©K cÖwZôvb I evRvi wefvM
cÖ‡qvRbxq †ÿ‡Î AwaKZi wb‡`©kbv Rvwi Ki‡e|
e¨vsK †Kv¤úvbx AvBb, 1991 Gi 45 aviv Ges Avw_©K cÖwZôvb AvBb, 1993 Gi 18 avivq cÖ`Ë ÿgZve‡j G
wb‡`©kbv Rvwi Kiv n‡jv|
G wb‡`©kbv Awej‡¤^ Kvh©Ki n‡e|

Avcbv‡`i wek^¯Í,
ms‡hvRbxt eY©bv †gvZv‡eK|

(‡gvt gKeyj †nv‡mb)

gnve¨e¯’vcK (PjwZ `vwq‡Z¡)
‡dvbt 9530268

Page 6 of 11
 ms‡hvRbx-K-1

m~Î: ZvwiL:

gnve¨e¯’vcK
e¨vswKs cÖwewa I bxwZ wefvM
evsjv‡`k e¨vsK
cÖavb Kvh©vjq, XvKv|

wcÖq g‡nv`q,

welq t weAviwcwW mvK©yjvi bs-08/2020 G ewY©Z Avw_©K cÖ‡Yv`bvi AvIZvq wkí I mvwf©m †m±‡ii
cÖwZôvbmg~‡n IqvwK©s K¨vwcUvj wn‡m‡e mnR k‡Z© FY/wewb‡qvM myweav cÖ`v‡b m¤§wZ cÖ`vb cÖm‡½|

wk‡ivbv‡gv³ wel‡q 12 GwcÖj 2020 Zvwi‡L RvwiK…Z weAviwcwW mvKz©jvi bs-08 Gi cÖwZ Avcbv‡`i `„wó
AvKl©Yc~e©K Rvbv‡bv hv‡”Q †h, D³ mvKz©jv‡i ewY©Z wb‡`©kbvmg~n h_vh_ AbymiYc~e©K Avgv‡`i e¨vsK Gi ÑÑÑÑÑ (KZ…©cÿ)
KZ…©K Av‡e`bKvix cÖwZôvb --------(cÖwZôv‡bi bvg) Gi AbyK~‡j ------- (K_vq----------) UvKv IqvwK©s K¨vwcUvj
FY/wewb‡qvM gÄyi Kiv n‡q‡Q| G ch©v‡q, Av‡e`bKvixi AbyK~‡j FY/wewb‡qvM myweav cÖ`v‡bi wel‡q m¤§wZ cÖ`v‡bi Rb¨
Avcbv‡`i wbKU Av‡e`b Kiv n‡jv|

G g‡g© cÖZ¨qb Kiv hv‡”Q †h, weAviwcwW mvKz©jvi bs-08/2020 G ewY©Z wb‡`©kbv †gvZv‡eK DwjøwLZ Av‡e`bKvix
Avw_©K cÖ‡Yv`bvi AvIZvq FY/wewb‡qvM cÖvwßi †hvM¨| Av‡e`bKvixi AbyK~‡j FY Aby‡gv`‡b m¤§wZ cÖ`v‡bi wbwg‡Ë DwjøwLZ
mvKz©jv‡i ewY©Z ms‡hvRbx-K-2 Abyhvqx cÖ‡qvRbxq Z_¨ I KvMRcÎ/`wjjvw` GZ`ms‡M †cÖiY Kiv n‡jv|

Avgiv G g‡g© †NvlYv cÖ`vb KiwQ †h, D³ Av‡e`‡b ewY©Z e³e¨ I mshy³ mKj Z_¨vw` mZ¨ I mwVK| †Kvb
e³e¨/Z‡_¨i g‡a¨ AmvgÄm¨Zv cvIqv †M‡j Avgiv `vqx _vKe|

Avcbv‡`i wek^¯Í,

¯^vÿi:
bvg:
c`ex: e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx/we‡`kx
e¨vs‡Ki †ÿ‡Î evsjv‡`k Acv‡ik‡bi cÖavb
‡dvb bs:

Av‡e`‡bi wel‡q †h †Kvb †hvMv‡hv‡Mi Rb¨

`vwqZ¡cÖvß Kg©KZ©vi bvg:
c`ex:
Awdm ‡dvb bs:
†gvevBj †dvb bs:
B-‡gBj:

Page 7 of 11
 ms‡hvRbx-K-2
welq t weAviwcwW mvK©yjvi bs-08/2020 G ewY©Z Avw_©K cÖ‡Yv`bvi AvIZvq wkí I mvwf©m †m±‡ii
cÖwZôvbmg~‡n IqvwK©s K¨vwcUvj wn‡m‡e mnR k‡Z© FY/wewb‡qvM myweav cÖ`v‡b m¤§wZ cÖ`vb cÖm‡½|

µg weeiYx
01 Av‡e`bKvix cÖwZôv‡bi bvg:
02 Av‡e`bKvix cÖwZôv‡bi wVKvbv:
03 ‡Uwj‡dvb bs:
04 Av‡e`bKvix cÖwZôv‡bi Tax Identification Number (TIN):
05 Av‡e`bKvix cÖwZôv‡bi BIN:
06 cÖwZôv‡bi cÖK…wZ (wkí/‡mev) (mve-‡m±‡ii bvgmn):
07 cÖwZôvb cÖwZôvi ZvwiL:
08 Av‡e`‡bi ZvwiL:
09 FY gÄyixi ZvwiL:
10 cÖwZôvb e¨vs‡Ki- we`¨gvb MÖvnK bZzb MÖvnK
(wUK wPý w`b)
12 Aby‡gvw`Z FY mxgvi cwigvY:
13 Av‡e`bKvix MÖvnK †Ljvcx Kx bv? (wfwË ZvwiLmn) (nu¨v/bv):
14 Aby‡gv`‡bi Zvwi‡L we`¨gvb IqvwK©s K¨vwcUvj eve` FY/wewb‡qv‡Mi gÄyixK„Z mxgv:
15 cÖwZôv‡bi we`¨gvb †Kvb FY cybtZdwmj n‡q _vK‡j FYIqvix cybtZdwm‡ji ZvwiL I µg (cybtZdwmj c~e©eZx
‡kÖYxKi‡Yi ÷¨vUvmmn):
16 e¨vsK n‡Z M„nxZ FY B‡Zvc~‡e© g›`/ÿwZRbK gv‡b †kÖYxK…Z nIqvi ci wZb ev‡ii AwaK cybtZdwmj Kiv
n‡q‡Q wK bv: (nu¨v/bv)
17 Ab¨ †Kvb e¨vsK/Avw_©K cÖwZôvb n‡Z M„nxZ FY B‡Zvc~‡e© g›`/ÿwZRbK gv‡b †kÖYxK…Z nIqvi ci wZb ev‡ii
AwaK cybtZdwmj Kiv n‡q‡Q wK bv: (nu¨v/bv)
18 Guidelines on Internal Credit Risk Rating System for Banks (ICRRS) Abyhvqx me©‡kl wnmve
eQ‡ii (eQi D‡jøLmn) wbixwÿZ Avw_©K weeiYxi Z‡_¨i wfwˇZ †iwUs (†iwUs Gi ZvwiLmn):
19 FY/wewb‡qv‡Mi wecix‡Z RvgvbZ MÖnY Kiv n‡q _vK‡j Zvi weeiYx

[we.`ª. Av‡e`bc‡Îi mv‡_ mvK©yjv‡ii 7(R) G ewY©Z FY/wewb‡qvM MÖnYKvix cÖwZôv‡bi AbyK~‡j cÖ`Ë gÄyixcÎ, Dchy³
KZ©…c‡¶i Aby‡gv`‡bi Kwc, Av‡e`bKvixi AbyK~‡j FY/wewb‡qvM gÄyixi ¯^c‡ÿ e¨vs‡Ki gZvgZmn Ab¨vb¨ cÖ‡qvRbxq
KvMRcÎ (wbixwÿZ Avw_©K weeiYx, ICRRS Gi Executive Summary with Annexure BZ¨vw`) we‡kl †mj Gi
`vwqZ¡cÖvß Kg©KZv© KZ…©K mZ¨vqb K‡i DwjøwLZ ms‡hvRbx †cÖiY Ki‡Z n‡e|]

¯^vÿi
bvg I c`exmn

Page 8 of 11
 ms‡hvRbx-L-1

m~Î: ZvwiL:
gnve¨e¯’vcK
GKvD›Um GÛ ev‡RwUs wWcvU©‡g›U
evsjv‡`k e¨vsK
cÖavb Kvh©vjq, XvKv|
wcÖq g‡nv`q,

welq t weAviwcwW mvK©yjvi bs-08/2020 G ewY©Z Avw_©K cÖ‡Yv`bvi AvIZvq wkí I mvwf©m †m±‡ii
cÖwZôvbmg~‡n IqvwK©s K¨vwcUvj wn‡m‡e cÖ`Ë FY/wewb‡qvM myweavi wecix‡Z my`/gybvdv fZz©Kx cÖ`vb cÖm‡½|

wk‡ivbv‡gv³ wel‡q 12 GwcÖj 2020 Zvwi‡L RvwiK…Z weAviwcwW mvKz©jvi bs-08 Gi cÖwZ Avcbv‡`i `„wó
AvKl©Yc~e©K Rvbv‡bv hv‡”Q †h, e¨vswKs cÖwewa I bxwZ wefv‡Mi 00/00/0000 Zvwi‡Li cÎ bs---------- Gi gva¨‡g cÖ`Ë
m¤§wZc‡Îi m~‡Î Av‡e`bKvix cÖwZôvb --------(cÖwZôv‡bi bvg) Gi AbyK~‡j 00/00/0000 Zvwi‡L ------- (K_vq: ------
--) UvKv FY/wewb‡qvM myweav cÖ`vb Kiv n‡q‡Q| D³ FY/wewb‡qv‡Mi wecix‡Z me©‡kl ˆÎgvwm‡K ( ---- gvm n‡Z ÑÑÑÑ
gvm ch©šÍ) 4.50% nv‡i Av‡ivwcZ my`/gybvdvi cwigvY ÑÑÑÑÑÑ (K_vq: ---------) UvKv, hv mvK©zjv‡i ewY©Z wbqg Abyhvqx
Av`vq/cwi‡kvwaZ n‡q‡Q|
Gÿ‡Y, DwjøwLZ mvK©yjv‡i cÖ`Ë wb‡`©kbvi Av‡jv‡K DwjøwLZ FY/wewb‡qvM wnmv‡ei wecix‡Z Av‡ivwcZ ‰Îgvwm‡Ki
my`/gybvdv eve` D³ ÑÑÑÑÑÑ (K_vq:--------) UvKv fZz©Kx cÖ`v‡bi Rb¨ Avcbv‡`i wbKU Av‡e`b Kiv n‡jv| D‡jøL¨,
DwjøwLZ Av‡e`bKvix cÖwZôvb --------(cÖwZôv‡bi bvg) Gi AbyK~‡j c~ee© Zx ˆÎgvwmK ch©šÍ (ZvwiL:--------) †gvU--------
- (K_vq:--------) UvKv fZz©Kx wn‡m‡e cvIqv wM‡q‡Q|

Avgiv G g‡g© †NvlYv cÖ`vb KiwQ ‡h, D³ Av‡e`‡b ewY©Z fZy©Kxi wnmvevqbmn e³e¨ Ges mshy³ mKj Z_¨vw`
mZ¨ I mwVK| †Kvb e³e¨/Z‡_¨i g‡a¨ AmvgÄm¨Zv cvIqv †M‡j Avgiv `vqx _vKe|
Avcbv‡`i wek^¯Í,
¯^vÿi:
bvg:
c`ex: e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx/we‡`kx
e¨vs‡Ki †ÿ‡Î evsjv‡`k Acv‡ik‡bi cÖavb
‡dvb bs:
ms‡hvRbx: fZz©Kx cÖ`v‡bi wbwg‡Ë DwjøwLZ mvKz©jv‡i
ewY©Z ms‡hvRbx-L-2 Abyhvqx cÖ‡qvRbxq KvMRcÎ
GZ`ms‡M †cÖiY Kiv n‡jv|
Av‡e`‡bi wel‡q †h †Kvb †hvMv‡hv‡Mi Rb¨
`vwqZ¡cÖvß Kg©KZ©vi bvg:
c`ex:
Awdm ‡dvb bs:
†gvevBj †dvb bs:
B-‡gBj:

Page 9 of 11
 ms‡hvRbx-L-2

e¨vs‡Ki bvg:
----------------- ZvwiL wfwËK Z_¨
(‡h ˆÎgvwm‡Ki Rb¨ fZ©zKxi Av‡e`b Kiv n‡q‡Q †m ˆÎgvwm‡Ki †kl ZvwiL [31 gvP©/30 Ryb/30 †m‡Þ¤^i/31 wW‡m¤^i] wfwËK)
(UvKvi As‡K)
µg FY/ FY/wewb‡qv FY/ evsjv‡`k FY/ FY/ FY/ ‡h ˆÎgvwm‡Ki Rb¨ fZ©zKxi Av‡e`b Kiv n‡q‡Q FY weZi‡Yi ZvwiL n‡Z G hveZ A_©vr ------
wewb‡qvM M MÖnxZv wewb‡qvM e¨vsK wewb‡qvM wewb‡qvM wewb‡qv‡M †m ˆÎgvwm‡Ki Z_¨vw` ˆÎgvwmK ch©šÍ Z_¨
MÖnxZv cÖwZôv‡bi MÖnxZv KZ…©K weZi‡Yi ‡gqv` i mxgv ------ gvm n‡Z --- gvm ch©šÍ
cÖwZôv‡bi Tax cÖwZôv‡b m¤§wZi ZvwiL DË©x‡Y©i FY/ 4.5% nv‡i MÖvnK KZ©„K 4.5% nv‡i 4.5% nv‡i MÖvnK KZ©„K B‡Zvc~‡e© -----
bvg Identifi i BIN ZvwiL I ZvwiL wewb‡qv‡M Av‡ivwcZ cwi‡kvwaZ Av‡ivwcZ Av‡ivwcZ cwi‡kvwaZ ZvwiL ch©šÍ
cation m~Î i w¯’wZ my`/gybvdvi my`/gybvdvi my`/gybvdvi ‡gvU ‡gvU (weMZ ˆÎgvwmK)
Number cwigvY cwigvY cwigvY my`/gybvdvi my`/gybvdvi evsjv‡`k e¨vsK
(TIN) (MÖvn‡Ki Ask) (fZz©Kxi Ask) cwigvY cwigvY n‡Z my`/gybvdv
(MÖvn‡Ki fZz©Kx eve` cÖvß
Ask) A‡_©i cwigvY

we.`ª. ms‡hvRbx-L-2 Gi mv‡_ MÖvn‡Ki FY/wewb‡qvM †jb‡`b (Loan/Investment Statement) weeiYx (weZi‡Yi ZvwiL n‡Z nvjbvMv`) †cÖiY Ki‡Z n‡e|

¯^vÿi
bvg I c`exmn
ms‡hvRbx-L-2 Gi wel‡q †hvMv‡hv‡Mi Rb¨
`vwqZ¡cÖvß Kg©KZ©vi bvg :
c`ex:
Awdm ‡dvb bs:
†gvevBj †dvb bs:
B-‡gBj:

Page 10 of 11
 ms‡hvRbx-M
e¨vs‡Ki bvg:
---/---/20--- wfwËK Z_¨
(UvKvi As‡K)
µg FY/wewb‡qvM FY/wewb‡qvM FY/wewb‡qvM evsjv‡`k FY/wewb‡qvM FY/wewb‡qv‡Mi weZiYK…Z FY/wewb‡qv‡Mi 4.5% MÖvnK 4.5% evsjv‡`k e¨vsK
MÖnxZv MÖ
n xZv cÖwZôv‡bi MÖnxZv cÖwZôv‡bi e¨vsK weZi‡Yi †gqv` DË©x‡Y©i FY/wewb‡qv‡Mi w¯’wZ nv‡i KZ©„K nv‡i KZ…©K
cÖwZôv‡bi Tax BIN KZ…©K cÖ`Ë ZvwiL ZvwiL cwigvY (---- ZvwiL Av‡ivwcZ cwi‡kvwaZ Av‡e`bK…Z my`/gybvdv
bvg Identification m¤§wZ wfwËK) ‡gvU ‡gvU my`/gybvdv fZz©Kx eve`
Number
c‡Îi my`/gybvdvi A‡_©i fZz©Kxi cybf©iYK…Z
(TIN)
ZvwiL I cwigvY cwigvY †gvU ‡gvU A‡_©i
m~Î (UvKvq) cwigvY cwigvY (UvKvq)
(UvKvq)

‡gvU

¯^vÿi
bvg I c`exmn

ms‡hvRbx-M Gi wel‡q †hvMv‡hv‡Mi Rb¨

`vwqZ¡cÖvß Kg©KZ©vi bvg:
c`ex:
Awdm ‡dvb bs:
†gvevBj †dvb bs:
B-‡gBj:
Page 11 of 11