evsjv‡`k nvDm wewìs dvBbvÝ K‡c©v‡ikb

Av`vq wefvM, m`i `dZi, XvKv|

mvK~©jvi b¤^it 003.2.2015 ZvwiLt 04.02.2015wLªt

welqt FY Av`vq bxwZgvjv-2015

weMZ 12.01.2015wLªt Zvwi‡L AbywôZ cwiPvjbv cl©‡`i 413-Zg mfvq ÒFY Av`vq bxwZgvjv-2015Ó Aby‡gv`‡bi
†cÖwÿ‡Z Ges K‡cv©‡ik‡b Abym„Z Ab¨vb¨ bxwZgvjvi wfwˇZ AÎ mvK~©jvi Rvix Kiv nj|

Av`vq Kvh©µg myôzfv‡e m¤úbœ Kivi Rb¨ A_©eQ‡ii ïiy‡ZB cÖwZwU Awd‡mi FY wnmvemg~n GjvKvwfwËK (mswkøó
†Rjvi _vbv wfwËK) wPwýZ Kivi cvkvcvwk mshyw³-1 †gvZv‡eK wewfbœ MÖy‡c wef³ K‡i ZvwjKv msiÿY Ki‡Z n‡e| eQ‡ii
ïiæ‡Z-B wKw¯Í †Ljvwci msL¨v/cwigvY we‡ePbvq Av`vq bxwZgvjv Abyhvqx e¨e¯’v MÖnY Ki‡Z n‡e| AwaK †Ljvwc/ †kÖYxK…Z,
†gqv` DËxY©, 2q †i‡nb Aby‡gv`bcÖvß Ges †mv‡jK…Z FY †KBmmg~‡ni Avjv`v ZvwjKv cÖ¯‘Z K‡i msi¶‡Yi cvkvcvwk
†Ljvwc FY Av`v‡qi Rb¨ mywbw`©ófv‡e FY †KBm b¤^i D‡jøLmn †Rvbvj/wiwRIbvj Awd‡mi Kg©KZ©v‡`i g‡a¨ `vqxZ¡
e›Ub/cÖ`v‡bi cvkvcvwk we‡klfv‡e Z`viwK Ki‡Z n‡e| G‡¶‡Î mswkøó †Rvbvj/wiwRIbvj cÖavb Ges Av`vq kvLv cÖavb
†Ljvwc FY Av`v‡qi Rb¨ wbexo Z`viwKi gva¨‡g cÖ‡qvRbxq e¨e¯’v MÖnY wbwðZ Ki‡eb| FY Av`vq mswkøó/cÖ‡qvRbxq
mKj Z_¨vw` †KBm Uz †KBm wfwËK mswkøó †Rvbvj I wiwRIbvj Awd‡mi Kw¤úDUv‡i msiÿY Ki‡Z n‡e| G e¨vcv‡i
Kw¤úDUvi I Z_¨ wefvM cÖ‡qvRb Abyhvqx Customize Software/Application ‰Zix K‡i †Rvbvj I wiwRIbvj
Awdm‡K mieivn I cÖ‡qvRbxq mn‡hvwMZv cÖ`vb Ki‡Z n‡e| we`¨gvb New Account Opening Form-G ewY©Z
Z_¨vw`i cvkvcvwk cÖwZwU FY †KB‡mi g‡M©RK…Z m¤úwËi Zdwmj (Schedule of Mortgaged Property), FY MÖnxZvi
RvZxq cwiPq cÎ b¤^i, †Uwj‡dvb I †gvevBj b¤^i Ges FY MÖnxZvi Qwe I ¯^vÿi AšÍ©f~³KiY I Scan K‡i ¯’vqxfv‡e
m`i `dZi Kw¤úDUvi Ges mswkøó †Rvbvj I wiwRIbvj Awd‡mi Kw¤úDUv‡i Soft Kwc msiÿY Ki‡Z n‡e Ges Hard
Copy (g~j Kwc) AvBb AveiYx‡Z msiÿY Ki‡Z n‡e|

1.0 gvgjvaxb bq Ggb FY †KB‡m Av`vq Kvh©µgt

1.1 cÖ_g ZvwM`cÎt
F‡Yi 03 (wZb) wU gvwmK wKw¯Í †Ljvwc A_ev XvKv I PÆMÖvg †g‡UªvcwjUb GjvKvq 1.00 jÿ UvKv Ges Ab¨vb¨
GjvKvq 0.75 jÿ UvKv ev Zvi D‡aŸ© †Ljvwc n‡j (†hwU Kg) wbw`©ó ZvwiL D‡jøLmn †Ljvwc wKw¯Í msL¨v I
†Ljvwc F‡Yi cwigvY D‡jø‡L Awej‡¤^ Zv cwi‡kv‡ai Rb¨ cÖ_g ZvwM`cÎ Rvix Ki‡Z n‡e (bgybv mshyw³-2)|
cÖ_g ZvwM`cÎ Rvix nIqvi ci FY MÖwnZv wKw¯Í cwi‡kva Ki‡Z ïiæ Ki‡j Ges wKQz †Ljvwc FY cvIbv _vK‡j
Zv cwi‡kv‡ai Rb¨ ‡Uwj‡dv‡b ZvwM` cÖ`vb/mvaviY wPwV Rvix Ki‡Z n‡e|

1.2 wØZxq ZvwM`cÎt

cÖ_g ZvwM`cÎ Rvix Kivi ci FY MÖwnZv †Kvb mvov bv w`‡j ‡m‡ÿ‡Î F‡Yi 06 (Qq) wU wKw¯Í †Ljvwc A_ev
XvKv I PÆMÖvg †g‡UªvcwjUb GjvKvq 2.00 jÿ UvKv Ges Ab¨vb¨ GjvKvq 1.50 jÿ UvKv ev Zvi D‡aŸ© †Ljvwc
n‡j (†hwU Kg) mgq D‡jøLmn †Ljvwc wKw¯Í msL¨v I †Ljvwc F‡Yi cwigvY D‡jø‡L Awej‡¤^ Zv cwi‡kv‡ai Rb¨
wØZxq ZvwM`cÎ Rvix Ki‡Z n‡e (bgybv mshyw³-3) Ges GKB mv‡_ †Uwj‡dv‡b/‡gvevB‡j †dvb K‡i †Ljvwc FY
cwi‡kv‡ai ZvwM` w`‡Z n‡e|
1.3 Z…Zxq/P~ovšÍ ZvwM`cÎ t
cÖ_g I wØZxq ZvwM`cÎ Rvix Kivi ci FY MÖwnZv n‡Z †Kvb mvov bv cvIqv †M‡j ‡m‡ÿ‡Î F‡Yi 09 (bq) wUi
AwaK wKw¯Í †Ljvwc A_ev XvKv I PÆMÖvg †g‡UªvcwjUb GjvKvq 3.00 jÿ UvKv Ges Ab¨vb¨ GjvKvq 2.00 jÿ
UvKv ev Zvi AwaK †Ljvwc n‡j (‡hwU Kg) Av`vq kvLv cÖav‡bi ¯^vÿ‡i Z…Zxq ZvwM`cÎ/P~ovšÍ cÎ Rvix Ki‡Z
n‡e (bgybv mshyw³-4) Ges GKB mv‡_ †Uwj‡dv‡b/‡gvevB‡j †dvb K‡i †Ljvwc FY cwi‡kv‡ai ZvwM` w`‡Z n‡e|
mKj †ÿ‡Î †Uwj‡dv‡b/‡gvevB‡j FY MÖnxZvi mv‡_ Avjv‡ci ci Bnvi mvims‡ÿc (Kvi mv‡_ K_v nj, †Ljvwc
FY cwi‡kv‡ai wK cÖwZkÖæwZ cvIqv †Mj BZ¨vw`) bw_‡Z wjwce× Ki‡Z n‡e|
DwjøwLZ wZb ai‡bi ZvwM` c‡Îi g‡a¨ †h †Kvb GKwU cÎ †iwR÷vW© WvK‡hv‡M †cÖi‡Yi †cv÷vj cÖgvY bw_‡Z
msiÿY Ki‡Z n‡e|

Recovery Policy-2014 Circular -1-

 1.4 e¨w³MZ †hvMv‡hvMt
Dc‡ivwjøwLZ ZvwM`cÎ Rvixi ciI D‡jøL‡hvM¨ cwigvY UvKv Rgv bv w`‡j FY MÖwnZvi mv‡_ e¨w³MZ †hvMv‡hvM
K‡i cvIbv Av`v‡qi e¨e¯’v wb‡Z n‡e| G †ÿ‡Î mvÿvrKvix Kg©KZv©/Kg©PvixMY‡K F‡Yi evwoi Ae¯’vb, evwoi
eZ©gvb Ae¯’v, evwowU fvov †`Iqv Av‡Q wK-bv, evwo fvovi UvKvi AsK, evwowU Kvi `L‡j, wKw¯Í cwi‡kva bv
Kivi KviYmg~n Ges mvÿvr msµvšÍ we¯ÍvwiZ Z_¨ (FY MÖnxZvi cÖwZkÖæwZ _vK‡j Z`vbyhvqx e¨e¯’v
MÖnYmn)e¨w³MZ †hvMv‡hvM d‡g© wjwce× K‡i bw_‡Z †bvU w`‡q cieZ©x KiYxq/wm×všÍ cÖ`v‡bi wbwg‡Ë †Rvbvj
g¨v‡bRvi/wiwRIbvj g¨v‡bRvi eive‡i Dc¯’vcb Ki‡Z n‡e| GQvov cÖwZwU †KB‡mi e¨w³MZ †hvMv‡hvMKv‡j FY
MÖwnZvi mwVK wVKvbv, †Uwj‡dvb/‡gvevBj b¤^i msMÖnmn †Kvb FY MÖwnZvi g„Z¨y n‡j Zvi Iqvwikvb‡`i mwVK bvg,
wVKvbv, cÖ‡Z¨K Iqvwi‡ki mZ¨vwqZ 2Kwc K‡i Qwe I bgybv ¯^vÿi Rgv †`qvi civgk© w`‡Z n‡e Ges cÖ‡qvRbxq
Z_¨ msMÖn K‡i bw_‡Z †iKW© msiÿY Ki‡Z n‡e|

1.5 S.M.S cÖ`vbt

AwaK †Ljvwc/ †kÖYxK…Z, ‡gqv` DËxY©, 2q †i‡nb Aby‡gv`bcÖvß Ges †mv‡jK…Z FY †KBmmg~‡ni Avjv`v ZvwjKv
cÖ¯‘Z K‡i msiÿ‡Yi cvkvcvwk †Ljvwc FY Av`v‡qi Rb¨ mywbw`©ófv‡e FY †KBm b¤^i D‡jøLmn †Rvbvj/wiwRIbvj
Awd‡mi Kg©KZ©v‡`i g‡a¨ `vqxZ¡ cÖ`v‡bi cvkvcvwk we‡klfv‡e Z`viwK Ki‡Z n‡e| G‡ÿ‡Î †Ljvwc FY Av`v‡qi
Rb¨ mswkøó †Rvbvj/wiwRIbvj cÖavb Ges Av`vq kvLv cÖavb †Ljvwc FY Av`v‡qi Rb¨ wbexo Z`viwK I e¨e¯’v
MÖnY wbwðZ Ki‡eb| mswkøó †Ljvwc FY †KB‡m cÖwZgv‡m wbqwgZ e¨w³MZ †hvMv‡hvM Ki‡Z n‡e| G ai‡bi FY
†KB‡m cÖwZgv‡m †Ljvwc UvKv D‡jø‡L Ges A‡kÖYxK…Z FY †KB‡m ˆÎgvwmK wfwˇZ †Ljvwc UvKv D‡jø‡L wb‡¤œv³
e³e¨ m¤^wjZ SMS cÖ`vb/E-mail Ki‡Z n‡et
Notice of payment due
Loan a/c no *****
Overdue on **** dd/mm/yy..., Tk ******
If already paid, Pl. Ignore this SMS
Thank You.

1.6 we‡kl ZvwM`cÎ cÖ`vb (12 ev Z`yaŸ© wKw¯Í †Ljvwc nIqvi †ÿ‡Î)t

1g, 2q, 3q ZvwM`cÎ cÖ`vb, †Uwj‡dv‡b I e¨w³MZ †hvMv‡hv‡Mi ci †Ljvwc FY Av`v‡q D‡jøL‡hvM¨ AMÖMwZ bv
n‡j XvKv I PÆMÖvg †g‡Uªv GjvKvq 12 wKw¯Í ev Gi AwaK wKw¯Í †Ljvwc n‡j, Ab¨vb¨ †g‡Uªv GjvKvq (bvivqYMÄ,
U½x, MvRxcyi, mvfvi) 18 wKw¯Íi AwaK †Ljvwc n‡j Ges †`‡ki Ab¨vb¨ ‡Rjv I _vbv m`‡i 24 wKw¯Í ev Zvi
AwaK wKw¯Í †Ljvwc _vK‡j A_© eQ‡ii 3q †KvqvU©v‡i (Rvbyqvix I †deªæqvix gv‡mi g‡a¨) †Ljvwc FY Gi cwigvY
I †Ljvwc wKw¯Í msL¨v D‡jø‡L we‡kl ZvwM`cÎ (jvj is‡qi KvM‡R wcÖ›U K‡i) w`‡Z n‡e (bgybv mshyw³-5)|
†Rvbvj Awd‡mi †ÿ‡Î we‡kl ZvwM`c‡Î †Rvbvj g¨v‡bRvi ¯^vÿi Ki‡eb Ges wiwRIbvj Awd‡mi †ÿ‡Î
wiwRIbvj g¨v‡bRv‡ii Aby¯^vÿ‡ii ci mswkøó †Rvbvj g¨v‡bRv‡ii ¯^vÿi MÖnYv‡šÍ we‡kl ZvwM`cÎ wewj Ki‡Z
n‡e| e¨w³MZ †hvMv‡hv‡Mi dig bw_‡Z msiÿY I djvdj †bvU Kivi cvkvcvwk GKwU †iwR÷v‡iI D³ †iKW©
ivL‡Z n‡e, hv‡Z D³ †iwR÷vi Ae‡jvKb K‡i e¨w³MZ †hvMv‡hv‡Mi Z_¨ †R‡b Zr‡cÖwÿ‡Z cieZx© c`‡ÿc †bqv
hvq| G ‡iwR÷vi h_vh_fv‡e msiÿ‡Yi welqwU †Rvbvj Awd‡mi †ÿ‡Î mswkøó Av`vq kvLv cÖavb I †Rvbvj
g¨v‡bRvi Ges wiwRIbvj Awd‡mi †ÿ‡Î wiwRIbvj g¨v‡bRvi wbwðZ Ki‡eb| cÎ gva¨g I e¨w³MZ †hvMv‡hv‡Mi
cvkvcvwk wbqwgZ †Uwj‡dvwbK †hvMv‡hv‡Mi gva¨‡gI Av`vq Kvh©µg cwiPvjbv Ki‡Z n‡e|

Recovery Policy-2014 Circular -2-

 1.7 wjM¨vj †bvwUk cÖ`vb t

Dc‡iv³ Dc-Aby‡”Q` 1.1 †_‡K 1.6 G ewY©Z †gvZv‡eK Kvh©µg MÖn‡Yi ci FY MÖwnZv (cÖ‡hvR¨ †ÿ‡Î g„Z FY
MÖnxZvi Iqvwik‡`i bv‡g) †Kvbiƒc mvov bv w`‡j Ges XvKv I PÆMÖvg †g‡UªvcwjUb GjvKvq 12 wKw¯Íi AwaK
†Ljvwc n‡j Ges XvKv I PÆMÖvg †g‡UªvcwjUb GjvKvi evB‡i Ab¨vb¨ †g‡Uªv GjvKvq (bvivqYMÄ, U½x, MvRxcyi,
mvfvi mn) 18 wKw¯Íi AwaK †Ljvwc n‡j Ges Ab¨vb¨ †Rjv I _vbv m`‡i 24 wKw¯Íi AwaK †Ljvwc n‡j wjM¨vj
†bvwUk Rvix Ki‡Z n‡e| mvaviYfv‡e mswkøó GjvKvmg~‡n †Ljvwc cvIbv h_vµ‡g 12 A_ev 18 A_ev 24 wKw¯Íi
Kg n‡j †KBm-Uz-‡KBm wfwˇZ e¨w³MZ †hvMv‡hvMmn Ab¨vb¨ Kvh©Kix c`‡ÿc †Rvi`vi K‡i Av`vq e„w× Ki‡Z
n‡e| Awdm cÖav‡bi we‡ePbvq †h me †KB‡m mivmwi weµq Kvh©µg MÖnY Kiv mwVK n‡e bv, †m me FY ‡KB‡m
wjM¨vj †bvwU‡k †`q mgq AwZµ‡gi ci †Rvbvj g¨v‡bRv‡ii Aby‡gv`bµ‡g †Rjv RR †Kv‡U© ev A_© FY Av`vj‡Z
gvgjv `v‡qi Ki‡Z n‡e| Z‡e A_©-FY, Av`vj‡Z gvgjv `v‡q‡ii †ÿ‡Î A_©-FY Av`vjZ AvBb-2003- Gi
12aviv, 46 aviv Ges 47 aviv Aek¨B AbymiY Ki‡Z n‡e|

2.0 F‡Yi wKw¯Í wbav©iY msµvšÍt

gÄyixK…Z FY †K‡m h_vmg‡q I h_vwbq‡g mKj †PK weZiY K‡i FY †KB‡m wKw¯Í wbav©iY K‡i w`‡Z n‡e|
wbav©wiZ mg‡qi g‡a¨ gÄyixK…Z F‡Yi mKj †PK weZiY Kiv m¤¢e bv n‡j (FY MÖwnZvi Kvi‡Y) h_vh_ e¨e¯’v
MÖnYv‡šÍ m‡ev©”P 2 (`yB) eQi mg‡qi g‡a¨ weZiYK…Z UvKvi Dci h_vwbq‡g my`-PvR© K‡i F‡Yi wKw¯Í wbav©iY K‡i
w`‡Z n‡e|

3.0 gvgjv `v‡qi Kvh©µgt

3.1 gvgjv `v‡q‡ii c~‡e© ZvwM` cÎ, P~ovšÍ ZvwM` cÎ, we‡kl ZvwM`cÎ; wjM¨vj †bvwUk †`qvmn mKj c`‡ÿc
MÖnY Ges e¨w³MZ †hvMv‡hvM K‡i FY MÖwnZv/g„Z FY MÖwnZvi Iqvwik‡`i m¤ú‡K© cÖ‡qvRbxq mKj Z_¨ msMÖn
Ki‡Z n‡e|
Z‡e †Kvb †hŠw³K Kvi‡Y chv©qµ‡g cÖ_g, wØZxq, Z…Zxq ev we‡klZvwM`cÎ cÖ`vb msµvšÍ wb‡`©kvejx AbymiY Kiv
bv n‡q _vK‡jI AwaK †Ljvwc (GjvKvwfwËK cÖ‡hvR¨ 12 A_ev 18 A_ev 24 wKw¯Í ev Z`yaŸ© wKw¯Í †Ljvwc) FY
†KB‡m e¨w³MZ †hvMv‡hv‡Mi ci wjM¨vj †bvwUk Rvix K‡i (21 w`b c‡i) gvgjv `v‡qi Kiv hv‡e| G‡ÿ‡Î mswkøó
FY †KB‡m FY †Ljvwc nIqv m‡Ë¡I †Kb †Kvb cÖKvi ZvwM`cÎ †`qv nqwb bw_‡Z Zvi h_vh_ KviY D‡jøLc~e©K
`vwqZ¡cÖvß Kg©KZv©/Kg©Pvixi mxjmn ¯^vÿi _vK‡Z n‡e Ges mswkøó †Rvbvj/wiwRIbvj g¨v‡bRvi‡K AewnZ Ki‡Z
n‡e| Aek¨B me©‡kl I mwVK Z‡_¨i wfwˇZ wjM¨vj †bvwUk Rvix I gvgjv `v‡qi Ki‡Z n‡e (cÖ‡hvR¨ †ÿ‡Î g„Z
FY MÖnxZvi Iqvwik‡`i bv‡g wjM¨vj †bvwUk Rvix K‡i gvgjv `v‡qi Ki‡Z n‡e)| gvgjv `v‡qi Gi †ÿ‡Î
wb‡¤œv³ wb‡`©kbv AbymiY Ki‡Z n‡et

bvivqYMÄ, UsMx,
µwgK XvKv I PÆMÖvg
weeiY MvRxcyi Ges mvfvi Ab¨vb¨ †Rjv/_vbv/GjvKv
b¤^i ‡g‡UªvcwjUvb GjvKv
GjvKv
1| gvgjv `v‡q‡ii c~‡e© ZvwM`cÎ Ges 12 wKw¯Í ev Z`yש †Ljvwc 18 wKw¯Í ev Z`yש 24 wKw¯Í ev Z`yש †Ljvwc
e¨w³MZ †hvMv‡hvM m¤úbœ K‡i n‡j †Ljvwc n‡j n‡j
wjM¨vj †bvwUk cÖ`vb Ki‡Z n‡e|
2| †Rjv RR Av`vj‡Z gvgjv `v‡qi wjM¨vj †bvwUk Rvwii 1 (GK) wjM¨vj †bvwUk Rvwii 1 (GK) wjM¨vj †bvwUk Rvwii 1 (GK)
gv‡mi g‡a¨ †Ljvwc FY Av`v‡q gv‡mi g‡a¨ †Ljvwc FY Av`v‡q gv‡mi g‡a¨ †Ljvwc FY Av`v‡q
m‡šÍvlRbK AMÖMwZ bv n‡j m‡šÍvlRbK AMÖMwZ bv n‡j m‡šÍvlRbK AMÖMwZ bv n‡j cybivq
cybivq e¨w³MZ †hvMv‡hvM K‡i cybivq e¨w³MZ †hvMv‡hvM K‡i e¨w³MZ †hvMv‡hvM K‡i gvgjv
gvgjv `v‡qi Ki‡Z n‡e| gvgjv `v‡qi Ki‡Z n‡e| `v‡qi Ki‡Z n‡e|

Recovery Policy-2014 Circular -3-

4.0 Am¤ú~Y©/Amgvß FY †KB‡m wKw¯Í Refix msµvšÍt
‡h mg¯Í FY wnmv‡ei MÖnxZv me †PK MÖnY K‡ib bv ev Ki‡Z e¨_© nb, ‡m‡ÿ‡Î †jvb †i¸‡jkb Abyhvqx F‡Y
wbwg©Zevwo emevm Dc‡hvMx n‡j wbav©wiZ mgq †k‡l M„wnZ UvKvi Dci †m mKj Am¤ú~Y©/Amgvß evwoi FY
MÖwnZv/MÖwnZv‡`i‡K wKw¯Í Refix K‡i †`qvi weavb i‡q‡Q| Giæc †h mg¯Í FY wnmv‡ei MÖwnZv mKj †PK MÖnY
K‡ib bvB, †mme FY wnmv‡e me©‡kl M„nxZ †P‡Ki mgq †_‡K wbw`©ó †gqv`v‡šÍ (†jvb †i¸‡jkb A_ev eÜK
`wj‡ji kZ© †gvZv‡eK) F‡Yi wKw¯Í Refix K‡i w`‡Z n‡e| Giƒc Re-fixation Gi †ÿ‡Î MÖnxZvi †Kvb
Av‡e`b `vwL‡ji cÖ‡qvRb n‡e bv| cÖwZwU Awd‡mi FY kvLv †_‡K cÖ‡qvRb Abyhvqx GB ai‡Yi †KB‡mi wKw¯Í
Re-fixation m¤úbœ K‡i wnmvewU h_vh_fv‡e Kw¤úDUvifz³ Ki‡Z n‡e (GZ`&msmsµvšÍ Kw¤úDUvi weeiYx‡Z c-
99 ev †kl †PK cÖ`vb msµvšÍ Z‡_¨i NvUwZ c~iY K‡i w`‡Z n‡e)|

5.0 wKw¯Í AwMÖg cÖ`vb msµvšÍt

‡h me FY MÖnxZv wKw¯Í ïiæ nevi c~‡e© AwMÖg UvKv (AvBwWwmwc e¨ZxZ) cwi‡kva Ki‡eb, Zv‡`i wKw¯Íi AwZwi³
RgvK…Z UvKv Avm‡ji ms‡M mgš^q Kiv n‡e Ges wKw¯Í AMÖxg wn‡m‡e we‡ePbv Kiv n‡e| fwel¨‡Z wKw¯Í †Ljvwc
n‡j D³ AMÖxg RgvK…Z UvKv †Ljvwc wKw¯Íi ms‡M mgš^q Kiv n‡e|

6.0 F‡Yi Avmj ïb¨ nIqv cieZx© Av`vq Kvh©µg:

AwMÖg Rgvi Kvi‡Y mvgwqKfv‡e F‡Yi Avmj k~b¨ n‡j G‡ÿ‡Î GZ`&msµvšÍ mvK~©jvi/Awdm Av‡`k †gvZv‡eK
h_vwbq‡g Rgv UvKv mgš^q Ges cÖ‡hvR¨ †ÿ‡Î A_© eQ‡ii 30 †k Ryb Zvwi‡L A.P (After payment) mgš^q
Ki‡Z n‡e| AwMÖg Rgvi Kvi‡Y F‡Yi Avmj ïb¨ n‡jI FY Av`v‡qi ¯^v‡_ F‡Yi gvwmK wKw¯Íi cwigvY c~‡e©i
b¨vq AcwiewZ©Z _vK‡e (h_vwbq‡g wKw¯Í cybt wbav©iY Kiv bv n‡j)| cieZx©‡Z wKw¯Í †Ljvwc n‡j/wbav©wiZ mg‡qi
g‡a¨ FY Av`vq bv n‡j AÎ bxwZgvjv Abyhvqx h_vh_ e¨e¯’v MÖnY Ki‡Z n‡e|

7.0 wiwmwWDj MÖnYK…Z, 2q eÜK Aby‡gv`bcÖvß Ges gvgjvaxb FY †KB‡mi Av`vq Kvh©µg t
wiwmwWDjK…Z FY †KB‡m, †mv‡j wb¯úwËK…Z FY †KB‡m Ges 2q eÜK Aby‡gv`bcÖvß FY †KB‡m wKw¯Í †Ljvwc
n‡j 1.0 Aby‡”Q‡` ewY©Z g‡Z ZvwM` cÎ Bm¨y, we‡kl ZvwM`cÎ Bm¨y Ges e¨w³MZ †hvMv‡hvM K‡i †Ljvwc FY
Av`v‡qi e¨e¯’v wb‡Z n‡e (cÖ‡hvR¨ †ÿ‡Î gvgjvaxb FY wnmv‡e MÖnxZvi m‡½ Without Prejudice wj‡L cÎ
†`qv I e¨w³MZ †hvMv‡hvM K‡i cvIbv Av`v‡qi cÖ‡Póv wb‡Z n‡e)| G‡Z Avkvbyiæc dj cvIqv bv †M‡j
gvgjvwenxb FY †KB‡m h_vwbq‡g gvgjv `v‡qi Ki‡Z n‡e, Bnv e¨ZxZ Ab¨vb¨ †ÿ‡Î wb¤œiæc e¨e¯’v MÖnY Ki‡Z
n‡et
µwgK
weeiY Av`vq Kvh©µg
b¤^i
1| wiwmwWDjK„Z FY †KB‡m| wiwmwWDjK…Z FY †KB‡mi Rb¨ Avjv`v †iwR÷vi msiÿY K‡i
we‡kl Z`viwKi gva¨‡g Av`vq Kvh©µg cwiPvjbv Ki‡Z n‡e| GB
ai‡bi FY †KB‡m h_vwbq‡g wKw¯Í cwi‡kva bv Ki‡j †kÖYxK…Z
nIqvi c~‡e©B cÖ‡qvRbxq Kvh©µg/ mKj cÖwµqv (†bvwUk
cÖ`vb/e¨w³MZ †hvMv‡hvM) AbymiY K‡i gvgjv `v‡qi Ki‡Z n‡e|
2| 2q eÜK Aby‡gv`bcÖvß †KB‡m| 2q eÜK Aby‡gv`bcÖvß FY †KB‡m Avjv`v †iwR÷vi msiÿY K‡i
Av`vq Kvh©µg MÖnY Ki‡Z n‡e| Gai‡Yi †KB‡m wKw¯Í cwi‡kva bv
Ki‡j †kÖYxK…Z nIqvi c~‡e©B 2q eÜKMÖnYKvix e¨vsK/KZ©„cÿ‡K
welqwU wjwLZfv‡e Rvbv‡bvmn Av`vq bxwZgvjv Abyhvqx e¨e¯’v MÖnY
Ki‡Z n‡e| Giƒc e¨e¯’v †bqvi ciI †Ljvwc cwi‡kva bv Ki‡j
mswkøó e¨vsK/KZ©„cÿ‡K cÿf~³ K‡i h_vixwZ gvgjv `v‡qi Ki‡Z
n‡e|
3| ‡mv‡jK…Z FY †KB‡m| †mv‡jK…Z FY †KB‡mi †ÿ‡Î Avjv`vfv‡e †iwR÷vi msiÿY K‡i we‡kl
Z`viwK I bRi`vwii gva¨‡g Av`vq Kvh¨©µg cwiPvjbv Ki‡Z n‡e, †hb
cybivq †Ljvwc bv nq| Giƒc e¨e¯’v †bqvi ciI cybivq †Ljvwc n‡j
‡mv‡ji kZ© f½ nIqvq h_vmg‡q †bvwUk Rvix K‡i djvdj cvIqv bv
†M‡j Rvix/cybt Rvix gvgjv `v‡qi wbwðZ Ki‡Z n‡e| h_vmg‡q Rvix
gvgjv `v‡qi bv Kivi Kvi‡Y Zvgvw` n‡j/Zvgvw` SzwKi m„wó n‡j D™¢zZ
cwiw¯’wZi Rb¨ mswkøó Awdm cÖavb `vqx n‡eb|

Recovery Policy-2014 Circular -4-

 4| ‡mv‡j wb®úwË e¨wZZ ivqcÖvß †KB‡m| wgm gvgjvq ivq cÖPv‡ii w`b /cieZ©x w`bB bKj D‡Ëvj‡bi `iLv¯Í
`vwLj Ki‡Z n‡e| bKj cÖvwßi ci, ivq K‡c©v‡ik‡bi c‡ÿ n‡j
Ges †KvU© wb‡`©wkZ mg‡qi g‡a¨ Av`vqKvjZK my`mn m¤ú~Y© cvIbv
MÖnxZv cwi‡kva bv Ki‡j wWwµRvix gvgjv `v‡qi Ki‡Z n‡e|
5| Avcxj gvgjv `v‡qiKiY| K‡cv©‡ik‡bi c‡ÿ ivq bv n‡j iv‡qi ZvwiL †_‡K m‡ev©”P 30 (wÎk)
w`b mg‡qi g‡a¨ D”P Av`vj‡Z Avcxj gvgjv `v‡qi Ki‡Z n‡e| †m
j‡ÿ¨ gvgjvi ivq nevi 15 (c‡bi) w`‡bi g‡a¨ gvgjvi iv‡qi Kwc
Ges cÖ‡qvRbxq Z_¨vw`mn m`i `dZi, AvBb wefv‡M
gZvgZ/mycvwik cvVv‡Z n‡e|
6| ‡gqv‡`vËxY© †KB‡m| 30,000/- UvKv I Z`yaŸ© cvIbvm¤úbœ †K‡m h_vh_ Av`vq Kvh©µg
cwiPvjbv m‡Ë¡I cvIbv Av`v‡q e¨_© n‡j gvgjv `v‡qi Ki‡Z n‡e|
30,000/- UvKvi Kg cvIbvm¤úbœ †KB‡m MÖnxZvi mv‡_ wbqwgZ
‡Uwj‡dv‡b I e¨w³MZ ‡hvMv‡hv‡Mi gva¨‡g Ae¨vnZ ZvwM` cÖ`v‡bi
gva¨‡g cvIbv Av`vq Ki‡Z n‡e|

8.0 wiwmwWDj cÖ`vb/wKw¯Í cybt wbav©iY msµvšÍt

AÎ K‡cv©‡ikb n‡Z FY MÖnY cieZx©‡Z FY †Ljvwc n‡j wb‡¤œv³ kZv©ax‡b wiwmwWDj cÖ`vb/ FY cybtZdwmjxKiY
Kiv hv‡et
wiwmwWDj
µwgK WvDb‡c‡g‡›Ui nvi (mvaviY I d¬¨vU FY) Aby‡gv`bKvix KZ©„cÿ
weeiY
b¤^i (mKj GjvKvi Rb¨ cÖ‡hvR¨) (‡gqv`e„w× Qvov/‡gqv`
e„w×mn)
1| cÖ_g wiwmwWDjt †Ljvwc F‡Yi Kgc‡ÿ 15% A_ev mgy`q cvIbv UvKvi mswkøó
‡h me FY MÖnxZv BZtc~‡e© KL‡bv 10%, GB `yB‡qi g‡a¨ hvnv Kg| D‡jøwLZ nv‡i GKKvjxb †Rvbvj/wiwRIbvj
†Kvb wiwmwWDj myweav MÖnY A_ev wKw¯Í‡Z cÖ_g Rgvi ZvwiL n‡Z 90 w`‡bi g‡a¨ g¨v‡bRvi| Z‡e gvgjv
K‡ibwb| Aewkó UvKv Rgv I Av‡e`b K‡i wiwmwWDj myweav MÖnY Kiv _vK‡j mswkøó †Rvbvj
hv‡e| g¨v‡bRvi Gi
Aby‡gv`b wb‡Z n‡e|
2| 2qevi wiwmwWDjt †Ljvwc F‡Yi Kgc‡ÿ 30% A_ev mgy`q cvIbv UvKvi mswkøó †Rvbvj
20%, GB `yB‡qi g‡a¨ hvnv Kg| D‡jøwLZ nv‡i GKKvjxb g¨v‡bRvi
A_ev wKw¯Í‡Z cÖ_g Rgvi ZvwiL n‡Z 90 w`‡bi g‡a¨
Aewkó UvKv Rgv I Av‡e`b K‡i wiwmwWDj myweav MÖnY Kiv
hv‡e|
3| 3q ev Z`yשevi wiwmwWDjt †Ljvwc F‡Yi Kgc‡ÿ 50% A_ev mgy`q cvIbv UvKvi mswkøó †Rvbvj g¨v‡bRv‡ii
30%, GB `yB‡qi g‡a¨ hvnv Kg| D‡jøwLZ nv‡i GKKvjxb mycvwikµ‡g 3q wiwmwWDj
Gi Aby‡gv`b ÿgZv
A_ev wKw¯Í‡Z cÖ_g Rgvi ZvwiL n‡Z 90 w`‡bi g‡a¨ wW.wR.Gg (Av`vq) Ges 3q
Aewkó UvKv Rgv I Av‡e`b K‡i wiwmwWDj myweav MÖnY Kiv wiwmwWDj cieZx©/ Z`y×e© vi
hv‡e| wiwmwWDj Gi
Aby‡gv`bÿgZv
gnve¨e¯’vcK (Acv‡ikb)
4| wØZxq eÜK cÖ`Ë FY †KB‡m †Ljvwc F‡Yi Kgc‡ÿ 50% UvKv A_ev mgy`q cvIbv mswkøó †Rvbvj
wiwmwWDj t wØZxq e܇Ki UvKvi 30% GB `yB‡qi g‡a¨ hvnv Kg (GKKvjxb A_ev g¨v‡bRvi Gi
Aby‡gv`bcÖvß †Ljvwc FY †KB‡m wKw¯Í‡Z cÖ_g Rgvi ZvwiL n‡Z 90 w`‡bi g‡a¨ Aewkó mycvwikµ‡g wWwRGg
wiwmwWDj cÖ`v‡bi †ÿ‡Î| UvKv) Rgv K‡i GKevi gvÎ wiwmwWDj MÖnY Ki‡Z cvi‡eb| (Av`vq)
we¯ÍvwiZ 9.2 Aby‡”Q` `ªóe¨|
5| ‡gqv` DËxY© FY †KB‡mi ‡gqv` DËxY© FY †KB‡mi †ÿ‡Î mgy`q cvIbv UvKv‡K †Ljvwc cvIbv wn‡m‡e MY¨ K‡i
wiwmwWDjt wiwmwWD‡ji Rb¨ Kgc‡ÿ 50% WvDb‡c‡g›U GKKvjxb A_ev wKw¯Í‡Z Rgvi †ÿ‡Î
cÖ_g Rgvi ZvwiL n‡Z 90 w`‡bi g‡a¨ Aewkó UvKv Rgv I Av‡e`bcÎ MÖnY K‡i
wiwmwWDj myweav cÖ`vb Kiv hv‡e| Z‡e †gqv` DËxY© FY †KB‡mi †gqv` e„w× K‡i
wiwmwWDj †`qvi †ÿ‡Î GKev‡i 5 eQ‡ii †ekx †gqv` e„w× Kiv hv‡e bv Ges FY
cwi‡kv‡ai †gvU †gqv` †Kvb Ae¯’v‡Z-B 32 eQ‡ii †ekx Kiv hv‡e bv|
6| FY e¨v‡j‡Ýi 1/3 Ask Rgv K‡i (K) Kgc‡ÿ †gvU FY e¨v‡j‡Ýi GK Z…Zxqvsk UvKv Rgv Ki‡Z n‡e|
wKw¯Í cybt wbav©iY t (L) RgvK…Z UvKvi Kgc‡ÿ 50% my‡`i e¨v‡j‡Ýi mv‡_ mgš^q Ki‡Z n‡e|
(M) †Ljvwc my` bv _vKv mv‡c‡ÿ Aewkó 50% RgvK…Z UvKv Avm‡ji mv‡_ mgš^q
Kiv hv‡e|
(N) mgš^q cieZx© Aewkó Avmj I my‡`i e¨v‡j‡Ýi Dci wfwË K‡i F‡Yi fwel¨r
gvwmK wKw¯Í cybt wbav©iY Ki‡Z n‡e|
7| ‡gqv` (mgq) e„w× K‡i wiwmwWDj FY cwi‡kv‡ai m‡ev©”P †gqv` 32 eQ‡i mxgve× †i‡L 2q I 3q wiwmwWDj cÖ`v‡bi
cÖ`vb t mgq FY MÖnxZvi Av‡e`bµ‡g GKev‡i m‡e©v”P 5 eQi †gqv` e„w× Kiv hv‡e| Z‡e
Ggb fv‡e mgq e„w× Ki‡Z n‡e †hb g~j wKw¯Íi †P‡q wiwmwWDjK…Z wKw¯Íi cwigvY Kg
bv nq| mvaviYfv‡e 1g wiwmwWDj cÖ`v‡bi mgq †gqv` e„w× Kiv hv‡e bv| Z‡e
wb‡¤œv³ Aby. 8.1 G ewY©Z kZ© mv‡c‡ÿ m‡ev©”P 5 (cvuP) eQi †gqv` e„w× Kiv hv‡e|

Recovery Policy-2014 Circular -5-

8| Aí Aewkó †gqv`wewkó FY Aí Aewkó †gqv` wewkó FY †KB‡m wiwmwWDj cÖ`vb Ki‡j †Ljvwc cvIbvi cwigvY
†KB‡m wiwmwWDj cÖ`vb t we‡kl K‡i my‡`i e¨v‡jÝ (Interest Balance) ‡ekx _vKvq cybwbav©wiZ wKw¯Íi
cwigvY K‡qK¸Y †e‡o hvq Ges FY MÖnxZvi c‡ÿ D³ wKw¯Í wbqwgZ cwi‡kva Kiv
m¤¢e n‡q D‡V bv| Kv‡RB Aí Aewkó †gqv`wewkó FY †KB‡m wiwmwWDj cÖ`vb
wbiærmvwnZ Ki‡Z n‡e Ges G me FY †KB‡m Av`vq Z¡ivwš^Z Ki‡Z n‡e|
mvaviYfv‡e b~¨bZg 02 (`yB) eQi Aewkó †gqv` bv _vK‡j wW.wR.Gg (Av`vq) Gi
Aby‡gv`b e¨ZxZ wiwmwWDj †`Iqv hv‡e bv|
9| gvgjvaxb FY †KB‡m wiwmwWDj gvgjv LiPmn mvaviY FY †K‡mi b¨vq Down Payment I †gqv` e„w×i wbqg
cÖ`vb t gvgjvaxb †K‡mi †ÿ‡ÎI cÖ‡hvR¨| D‡jøL¨ eÜwK m¤úwËi evRvi g~j¨ K‡cv©‡ik‡bi
cvIbvi †P‡q †ewk _vKv Ges MÖnxZvi mvg_©¨ _vKvi welq AZ¨šÍ mZK©Zvi mv‡_
g~j¨vqb K‡i Dchy³ †ÿ‡ÎB †Kej gvgjvaxb FY †KB‡m wiwmwWDj †`qv hv‡e|
wWµxK…Z UvKvi Dci my` Pv‡R©i ivqcÖvß FY †KB‡mi †ÿ‡ÎI g‡M©R `wj‡ji
kZv©byhvqx my` PvR© K‡i K‡cv©‡ik‡bi cvIbv wbav©iY KiZt †mv‡j wb®úwËi gva¨‡g
GKB wbq‡g wiwmwWDj cÖ`vb Kiv hv‡e|

8.1 1gevi wiwmwWDj cÖ`v‡bi †ÿ‡Î mgq e„w× msµvšÍ kZv©w`t

8.1.1 FY cwi‡kva †gqv` ïiæi nevi ci b~¨bZg 96 gvm (8 eQi) AwZµvšÍ bv nIqv ch©šÍ 1g wiwmwWD‡j mgq
e„w× we‡ePbv Kiv hv‡e bv|

8.1.2 gvgjvaxb FY †KBm Ges †gqv` DËxY© FY †KB‡m 1g evi wiwmwWD‡j m‡e©v”P 5 eQi ch©šÍ mgq e„w×
we‡ePbv Kiv hv‡e| Z‡e mKj ‡ÿ‡Î †gqv` e„w×mn F‡Yi †gvU †gqv` 32 eQ‡ii †ekx n‡Z cvi‡e bv|

8.1.3 †gqv` e„w× m‡e©v”P 5 eQi Kiv n‡jI Ggbfv‡e †gqv` evov‡Z n‡e †hb †gqv`e„w×RwbZ Kvi‡Y
cybtwba©vwiZ gvwmK wKw¯Íi cwigvY F‡Yi g~j wKw¯Íi (F‡Yi wKw¯Í ïiæ nIqvi mgq) Zzjbvq nªvm bv cvq|
wiwmwWDj cÖ`vb msµvšÍ Ab¨vb¨ kZv©w` AcwiewZ©Z _vK‡e|

9.0 mvaviY wb‡`©kbv t

9.1 wiwmwWD‡ji wKw¯Íi cwigvY msµvšÍt

12 wKw¯Íi D‡aŸ© †Ljvwc FY †KB‡m wiwmwWDj cÖ`v‡bi †ÿ‡Î wiwmwWDj DËi wKw¯Í c~‡e©i Zzjbvq 1.5 ¸b
(‡`o¸b) ev Zvi AwaK n‡j evwo fvov I wbR¯^ Avq n‡Z wKw¯Í cwi‡kva m¤¢e wKbv Zv we‡ePbvq wb‡q wiwmwWDj
cÖ‡mm Ki‡Z n‡e| gvgjvaxb Ges †kÖYxK…Z FY †KBm e¨ZxZ A‡kÖYxK…Z FY †K‡m mvaviYfv‡e wiwmwWDj cÖ`vb
wbiærmvwnZ K‡i mgy`q †Ljvwc GKKvjxb A_ev K‡qKwU wKw¯Í‡Z cwi‡kv‡ai gva¨‡g nvjbvMv` Kiv‡bvi cÖ‡Póv
wb‡Z n‡e| eZ©gvb evwo fvovi mv‡_ wiwmwWDj DËi wKw¯Íi cwigv‡Yi mvgÄm¨ ivL‡Z n‡e| cÖ‡qvR‡b
WvDb‡c‡g›U e„w× Ki‡Z n‡e| wiwmwWDj MÖn‡Yi Rb¨ cÖ‡qvRbxq WvDbc‡g›U Rgvmn m¤§wZcÎ `vwL‡ji 15 w`‡bi
g‡a¨ cÖ‡qvRbxq e¨e¯’v MÖnYv‡šÍ mswkøó †Rvbvj/wiwRIbvj Awdm n‡Z F‡Yi wKw¯Í cybtZdwmjxKi‡Yi Dc‡`kcÎ
Bm¨y Ki‡Z n‡e|

9.2 wØZxq eÜK cÖ`Ë †KB‡m wiwmwWDj msµvšÍ t

wØZxq e܇Ki Aby‡gv`bcÖvß †Ljvwc FY †KB‡m wiwmwWDj cÖ`vb wbiærmvwnZ Ki‡Z n‡e| Z‡e hyw³msMZ KviY
_vK‡j 2q eÜK Aby‡gv`‡bi ci gvÎ GKevi wiwmwWDj †`Iqv hv‡e| G‡ÿ‡Î mswkøó Awd‡m UvKv Rgvi welq
Ges eÜKx m¤úwËi g~j¨vqb I evwo fvov we‡ePbvq Avb‡Z n‡e| ewY©Zg‡Z Z_¨vw` D‡jøLc~e©K mswkøó †Rvbvj
g¨v‡bRv‡ii mycvwikµ‡g wW.wR.Gg (Av`vq) Gi Aby‡gv`b Qvov wiwmwWDj †`Iqv hv‡e bv| G ai‡Yi FY †KB‡m
mivmwi mswkøó wiwRIbvj/‡Rvbvj g¨v‡bRvi Gi ZË¡veav‡b mKj cÖKvi Av`vq ZrciZv/cwiPvjbv MÖnY Ki‡Z
n‡e|

Recovery Policy-2014 Circular -6-

 9.3 wiwmwWD‡ji Rb¨ RgvZe¨ UvKvi cwigvY wbav©iY t
‡h me †Ljvwc FY †KB‡m wiwmwWD‡ji wbwg‡Ë GKKvjxb UvKv cwi‡kva Kiv n‡e †m me FY †KB‡m †h gv‡m
UvKv Rgv Ki‡eb Zvi c~e©eZx© gv‡mi †Ljvwc F‡Yi cwigv‡Yi Dci wfwË K‡i RgvZe¨ UvKvi cwigvY wbY©q Ki‡Z
n‡e| †h me FY †KB‡m GKvwaK wKw¯Í‡Z UvKv cwi‡kva Kiv n‡e, †m me FY †KB‡m †h gv‡m me©‡kl wKw¯Í
cwi‡kva Kiv n‡e Zvi c~e©eZx© gv‡mi †Ljvwc F‡Yi cwigv‡Yi Dci wfwË K‡i RgvZe¨ UvKvi cwigvY wbY©q Ki‡Z
n‡e| G‡ÿ‡Î Down Payment wnmv‡e †h UvKv †`Lv‡bv n‡e Zv †Ljvwc UvKv n‡Z mgš^q K‡i †Ljvwc wba©viY
Kiv hv‡ebv| wiwmwWD‡ji Rb¨ RgvK…Z Down Payment n‡Z cÖ_‡g AwZwi³ PvR©K…Z my`, cieZx©‡Z mvaviY
my` Ges me©‡kl Avmj mgš^‡qi cÖPwjZ c×wZ cÖ‡hvR¨ n‡e|

9.4 gvgjvaxb FY †KB‡m wiwmwWDj msµvšÍ t

gvgjvaxb FY †KB‡m wiwmwWDj cÖ`v‡bi †ÿ‡Î cÖ_‡g Without Prejudice D‡jø‡L mvgwqK Dc‡`kcÎ Bm¨y
Ki‡Z n‡e| Z‡e FY MÖnxZv ÒmvgwqK Dc‡`kcÎ †gvZv‡eK cieZx©‡Z wKw¯Í Rgv bv w`‡j Ges wbqwgZ Av`vj‡Z
nvwRi n‡q †mv‡j m¤úv`‡bi cÖ‡Póv Ae¨vnZ bv ivL‡j mswkøó gvgjvaxb †KB‡m wiwmwWDj Av‡e`b evwZj K‡i
†mv‡ji cwie‡Z© gvgjvi Kvh©µg h_vixwZ GwM‡q †bqv n‡e|Ó GB KvRwU cªwZcvj‡bi wel‡q Dc‡`kc‡ÎI wj‡L
w`‡Z n‡e| ivqcÖvß FY †KB‡m Rvix gvgjv `v‡qi K‡i h_vwbq‡g †mv‡j wb®úwËi gva¨‡g wiwmwWDj cÖ`vb Kiv
hv‡e|

9.5 †mv‡jK…Z FY †KB‡m e¨e¯’v MÖnY cÖms‡M|

†mv‡jK…Z FY †KB‡mi ‡iwR÷v‡i memgq nvj bvMv` Z_¨ wjwce× ivL‡Z n‡e| mswkøó †Rvbvj/wiwRIbvj
g¨v‡bRvi Ges Av`vq kvLv cªavb ‡mv‡jK…Z FY †KBm †hb cybivq †Ljvwc bv nq †m Kvi‡Y †mv‡jK…Z FY †KB‡mi
ZvwjKv †iwR÷v‡i msiÿY I wbexo Z`viwK Ki‡eb Ges F‡Yi †Ljvwc wKw¯Í msL¨v we‡ePbvq cieZ©x Kibxq
wel‡q wb‡`©kbv cÖ`vb Ki‡eb| Z‡e †mv‡jK…Z FY †KB‡m †Kvb Ae¯’v‡Z-B †hb 3 wUi AwaK wKw¯Í †Ljvwc bv nq
†m e¨vcv‡i wbexo Z`viwK K‡i h_vh_ e¨e¯’v MÖnY wbwðZ Ki‡Z n‡e|

10.0 d¬¨vU FY Av`vq msµvšÍt

weMZ 02.12.2013 wLªt Zvwi‡L RvwiK…Z 002.6.2013 b¤^i mvKz©jvi Abyhvqx d¬¨vU F‡Yi Av`vq Kvh©µg MÖnY
Ki‡Z n‡e| G‡ÿ‡Î GgiUvBRW (Amortized) c×wZ‡Z wbwY©Z gvwmK wKw¯Í‡Z wbav©wiZ †gqv‡`i g‡a¨ FY
cwi‡kva Ki‡Z n‡e| wbav©wiZ mg‡qi g‡a¨ my`vm‡j mgy`q cvIbv UvKv cwi‡kv‡ai wbwg‡Ë F‡Yi cwi‡kva m~Px
(Amortization Schedule) ‰Zix K‡i Dc‡`k c‡Îi gva¨‡g MÖwnZv‡K Rvbv‡Z n‡e| FY weZi‡Yi ïiæ‡ZB
MÖnxZvi wbKU n‡Z IDCP (Interest during construction period) eve` AwMÖg 12wU †PK Ges 1 eQ‡ii
Rb¨ gvwmK wKw¯Íi wecix‡Z K‡cv©‡ik‡bi bv‡g 12wU †cv÷-‡W‡UW (Post-dated) µmW †PK ev AwMÖg gvwmK
wKw¯Íi †PK Rgv wb‡Z n‡e| AwMÖg MÖnYK…Z †PK cÖwZgv‡m mswkøó FY wnmv‡e wecix‡Z e¨vs‡K Rgv K‡i cÖwZgv‡mi
wKw¯Í Av`vq Ki‡Z n‡e| D³ 12wU †P‡Ki gva¨‡g 1 eQ‡ii wKw¯Í Av`v‡qi ci †_‡K mvaviY F‡Yi b¨vq d¬¨vU
F‡YI wKw¯Í Rgvi eB‡qi gva¨‡g FY cwi‡kv‡ai e¨e¯’v cÖeZ©b Kiv †h‡Z cv‡i| wb‡¤œv³ Aby. 10.1 †gvZv‡eK
d¬¨vU F‡Yi IDCP (Interest during construction period) Av`v‡qi e¨e¯’v wb‡Z n‡e|

Recovery Policy-2014 Circular -7-

 10.1 d¬¨vU F‡Yi wKw¯Í wbav©iY (Fix) KiY:
B‡Zvc~‡e© M„wnZ d¬¨vU F‡Yi †h mg¯Í FY MÖwnZvMY wbqš¿Y ewnf~©Z Kvi‡Y GL‡bv cÖ¯ÍvweZ d¬¨vU eÜK
cÖ`v‡b mÿg nb bvB ev Ki‡Z cv‡ib bvB (mgq wb‡”Qb) Zvuiv hw` eÜK `wjj †iwRw÷ª bv nIqv ch©šÍ Dchy³
RvgvbZ/Rvwgb`vi (M¨viv›Uvi) wb‡qvM K‡ib Ges F‡Yi wKw¯Í wbav©i‡Yi Rb¨ Av‡e`b K‡ib Zvn‡j d¬¨v‡Ui wbgv©Y
KvR mgvß I emevm Dc‡hvMx nIqv mv‡c‡ÿ †KBm-Uz-‡KBm wfwˇZ ev¯Íe Ae¯’v g~j¨vqb K‡i mswkøó †Rvbvj
g¨v‡bRv‡ii mycvwikµ‡g gnve¨e¯’vcK (Acv‡ikb) g‡nv`q KZ©„K M„wnZ F‡Yi Dci wKw¯Í wbav©iY K‡i †`qv hv‡e|
wKw¯Í wbav©i‡Yi wm×všÍ n‡j K‡cv©‡ik‡bi d¬¨vU F‡Yi wbqgvPvi Abyhvqx nvjbvMv` wnmv‡ei Av‡jv‡K IDCP
(Interest during construction period) I F‡Yi wKw¯Íi cwigvY, wKw¯Í ïiæi ZvwiL, FY cwi‡kva †gqv`
MYbv K‡i FY MÖwnZvi wbKU n‡Z 1 eQ‡ii Rb¨ gvwmK wKw¯Íi wecix‡Z K‡cv©‡ik‡bi bvg 12wU †cv÷ †W‡UW
(Post dated) µmW †PK ev AwMÖg gvwmK wKw¯Íi †PK Rgv wb‡Z n‡e| Z‡e Gai‡bi †ÿ‡Î AvBwWwmwcÕi UvKv
Av`v‡qi Rb¨ Avjv`vfv‡e e¨e¯’v wb‡Z n‡e| †m‡ÿ‡Î AbwaK 12wU wKw¯Í‡Z IDCP Av`v‡qi e¨e¯’v wbwðZ Ki‡Z
n‡e| G‡ÿ‡Î FY cwi‡kv‡ai Dc‡`kc‡Î Awej‡¤^ mswkøó d¬¨vU K‡cv©‡ik‡bi AbyK~‡j g‡M©R cÖ`v‡bi kZ© Ges
e¨_©Zvq gvgjv `v‡qi/AvBbMZ e¨e¯’v †bqv n‡e g‡g© D‡jøL Ki‡Z n‡e| 1g †PK MÖn‡Yi 2 (`yB) eQ‡ii g‡a¨
wKw¯Í wbav©iY Kiv m¤¢e bv n‡j (FY MÖwnZvi Kvi‡Y) weZiYK…Z Avmj UvKvi Dci 3% AwZwi³ my` PvR© Ki‡Z
n‡e| G e¨vcv‡i cÖwZeQi 30 †k Ryb Zvwi‡Li g‡a¨ Kw¤úDUvi wefv‡Mi mv‡_ mswkøó †Rvbvj Awdm †hvMv‡hvM
K‡i cÖ‡qvRbxq e¨e¯’v MÖnY wbwðZ Ki‡Z n‡e|

10.2 12wU ev Zvi †ekx gvwmK wKw¯Í ‡Ljvwc n‡j †Ljvwc wKw¯Íi Avm‡ji Dci 3% nv‡i AwZwi³ my` Av`vq
Ki‡Z n‡e (GB AwZwi³ my‡`i nvi mg‡q mg‡q cwieZ©b Kiv n‡j H cwiewZ©Z nv‡iB AwZwi³ my` Av`vq‡hvM¨
n‡e)| weZiYK…Z d¬¨vU F‡Y wKw¯Í †Ljvwc nIqvi †ÿ‡Î Aby 1.0 G ewY©Z †gvZv‡eK ZvwM`cÎ cÖ`vb, e¨w³MZ
†hvMv‡hvM, S.M.S cÖ`vb, we‡kl ZvwM`cÎ cÖ`vb, wjM¨vj †bvwUk cÖ`vb K‡i h_vwbq‡g gvgjv `v‡qi/AvBbMZ
e¨e¯’v MÖnY Ki‡Z n‡e|

10.3 wÎ-cÿxq Pzw³i gva¨‡g gÄyixK…Z d¬¨vU F‡Yi GK ev GKvwaK wKw¯Í‡Z F‡Yi UvKv MÖnY cieZx© 02 (`yB)
eQi ev Zvi AwaK mgq AwZµvšÍ nIqv Ges g‡M©R cÖ`v‡bi Rb¨ evisevi ZvwM`cÖ`vb m‡Ë¡I K‡cv©‡ik‡bi
AbyK~‡j g‡M©R cÖ`vb bv Kiv n‡j A_ev hyw³msMZ Kvi‡Y eÜK cÖ`vb bv Ki‡Z cvivq Rvwgb`vi wb‡qv‡Mi gva¨‡g
M„wnZ F‡Yi Dci wKw¯Í wbav©iY K‡i bv †bqv n‡j h_vwbq‡g Re-call ‡bvwUk Bm¨y I wjM¨vj †bvwUk w`‡q h_vh_
AvBbMZ e¨e¯’v MÖnY/ gvgjv `v‡qi Ki‡Z n‡e|

10.4 AwMÖg MÖnYK…Z 12wU gvwmK wKw¯Íi †PK Ges IDCP (Interest during construction period) Gi
UvKv Av`vq cieZx© wKw¯Í †Ljvwc n‡j K‡cv©‡ik‡bi FY Av`v‡qi Rb¨ Aby. 1.0 Ges Aby. 2.0 †gvZv‡eK e¨e¯’v
MÖnY Ki‡Z n‡e|

10.5 d¬¨vU F‡Yi wnmvevqb c×wZ Kw¤úDUvivBRW Kivi Rb¨ m`i `dZi Kw¤úDUvi I Z_¨ wefvM Ges wnmve I
A_© wefvM †hŠ_fv‡e cÖ‡qvRbxq e¨e¯’v MÖnY Ki‡e|

11.0 ‡Ljvwc d¬¨vU FY †KB‡mi wKw¯Í wiwmwWDjKiYt

(K) d¬¨vU F‡Y wKw¯Í ïiæ n‡Z 1g 01 (GK) eQ‡ii Rb¨ AwMÖg †PK Rgv wb‡q wKw¯Íi UvKv wbqwgZ Av`vq Kivi
e¨e¯’v Av‡Q| wKš‘ GZ`&m‡Ë¡I Avw_©K Amyweavi Kvi‡Y MÖwnZvi e¨vsK wnmv‡e chv©ß UvKv bv _vKvi d‡j †PK
wWRAbvi nIqvq ‡Kvb †Kvb †ÿ‡Î MÖwnZv FY †Ljvwc n‡”Qb| †Ljvwc FY wbqwgZ Kivi Rb¨ mvaviY F‡Yi b¨vq
d¬¨vU F‡Yi †ÿ‡Î wiwmwWDj myweav cÖ`vb Kiv hv‡e Ges G‡ÿ‡Î WvDb †c‡g›U Gi nvi Ges WvDb †c‡g›U Gi
cwigvY wbav©iY msµvšÍ wbqgvejx mvaviY F‡Yi Abyiƒc n‡e| wiwmwWD‡ji Rb¨ RgvK…Z WvDb‡c‡g›U n‡Z cÖ_‡g
AwZwi³ PvR©K…Z my`, cieZx©‡Z mvaviY my` Ges me©‡k‡l Avmj mgš^‡qi cÖPwjZ c×wZwU-B cÖ‡hvR¨ n‡e|

Recovery Policy-2014 Circular -8-

 11.1 d¬¨vU F‡Yi RgvZe¨ WvDb‡c‡g‡›Ui UvKv F‡Y mgš^q I cybt wbav©wiZe¨ wKw¯Í wbav©i‡Yi †ÿ‡Î weMZ
20.04.2014 wLªt Zvwi‡L RvwiK…Z 004.1.2014 b¤^i mvK©~jv‡i ewY©Z wbqg AbymiY Ki‡Z n‡e|

12.0 †PK wWRAbv‡ii †ÿ‡Î N.I (Negotiable Instrument) Act G gvgjv `v‡qi:
†PK wWRAbvi n‡j FY MÖwnZvi mv‡_ †hvMv‡hvM K‡i mswkøó gvm ch©šÍ my‡`i e¨v‡jÝmn Avm‡ji wKw¯Í eve` FY
Av`vq wbwðZ Ki‡Z n‡e| 1wU †PK cici 3 (wZb) evi wWRAbvi n‡j ev FY MÖwnZv wKw¯Íi UvKv Rgv bv Kivq
†PK wWRAbvi n‡j n¯ÍvšÍi‡hvM¨ `wjj AvBb (Negotiable Instrument Act) Abyhvqx wjM¨vj †bvwUk w`‡q
h_vwbq‡g †dŠR`vix gvgjv `v‡qi Ki‡Z n‡e|

13.0 d¬¨vU FY Av`v‡q gvgjv `v‡qi msµvšÍ:

GK ev GKvwaK wKw¯Í‡Z d¬¨vU FY MÖnY cieZx©‡Z †hŠw³K mg‡qi g‡a¨ eÜK cÖ`v‡b e¨_© n‡j wc.I 7/1973 Gi
25 aviv Abyhvqx K‡cv©‡ikb mvgwqK wKw¯Í evwZjKiYmn (cÖ‡hvR¨ †ÿ‡Î) Dfq cÿ‡K (FY MÖnxZv Ges cÖ‡hvR¨
†ÿ‡Î mswkøó †W‡fjcvi) wi-Kj †bvwUk w`‡q mg~`q cvIbv UvKv Av`v‡qi e¨e¯’v MÖnY Ki‡Z n‡e| wÎ-cÿxq
Pzw³i gva¨‡g FY cÖ`v‡bi †ÿ‡Î Pzw³ jsNbKvix‡`i weiæ‡× cÖPwjZ AvB‡b (Pzw³ AvBb, mywbw`©ó cÖwZKvi AvBb,
†dŠR`vix AvBb BZ¨vw`) †`Iqvbx Ges †dŠR`vix gvgjv `v‡qic~e©K cÖwZKvi jv‡fi Rb¨ †KBm-Uz-‡KBm wfwˇZ
e¨e¯’vcbv KZ©„c‡ÿi Aby‡gv`b wb‡q gvgjv `v‡qi K‡i FY Av`vq Kvh©µg †Rvi`vi Ki‡Z n‡e|

14.0: P~ovšÍ wb®úwËK…Z FY wnmve FY †jRvi †_‡K ev` †`qvi Kvh©µg:

cÖwZwU Awd‡m A_©eQi †kl nIqvi c~‡e© (Ryb †K¬vwRs Gi c~‡e©) Kgc‡ÿ c~e©eZx© `yB eQ‡ii wnmve wb®úwËK…Z FY
†KB‡mi ZvwjKv cixÿv K‡i h_vwbq‡g FY †jRvi ‡_‡K Account Closed K…Z †KBm¸‡jv Wªc Kiv wbwðZ
Ki‡Z n‡e| G ai‡bi e¨e¯’v bv †bqvi Kvi‡Y Av`vq‡hvM¨ F‡Yi cwigvY e„w× †c‡q _v‡K, hv †gv‡UI MÖnY‡hvM¨
bq| Z‡e Account closed K…Z †KBm¸wji Drop List ZvwjKv Avjv`vfv‡e msiÿY Ki‡Z n‡e| ewY©Z e¨e¯’v
bv †bqvi Kvi‡Y D™¢zZ cwiw¯’wZi Rb¨ mswkøó †Rv‡bi wnmve kvLv cÖavb `vqx _vK‡eb|

15.0: K‡c©v‡ik‡bi Aby‡gv`bwenxbfv‡e n¯ÍvšÍwiZ FY †KB‡mi Av`vq Kvh©µg:

A‡bK †ÿ‡ÎB FY MÖwnZvMY K‡c©v‡ik‡bi wjwLZ Aby‡gv`b MÖnY bv K‡iB A‰eafv‡e eÜKx m¤úwË n¯ÍvšÍi I
Ab¨Î eÜK K‡i _v‡Kb| Gai‡Yi FY †KBm wPwýZ n‡j `ªyZ mswkøó cÿ/ cÿM‡Yi weiæ‡× h_vh_ AvBbMZ
e¨e¯’v/Kvh©Ki c`‡ÿc wb‡Z n‡e| cÖ‡qvR‡b Gwel‡q m`i `dZi AvBb wefv‡Mi civgk© wb‡Z n‡e|

16.0: cwiZ¨³ m¤úwËi cvIbv Av`vq Kvh©µg:

cÖ‡Z¨K †Rvbvj/wiwRIbvj Awd‡m ‡KBm-Uz-†KBm wfwËK nvjbvMv` cvIbvi wnmvemn cwiZ¨³ m¤úwËi ZvwjKv
msiÿY Ki‡Z n‡e| ¯’vbxq cwiZ¨³ m¤úwË e¨e¯’vcbv †ev‡W©i mfvq wbqwgZ Dcw¯’Z ‡_‡K Av`vqKvjZK my`mn
K‡cv©‡ik‡bi mg~`q cvIbv Av`v‡qi †Rvi `vex DÌvcbmn cÖ‡qvRbxq e¨e¯’v wb‡Z n‡e| mg~`q cvIbv Av`vq n‡j
cwiZ¨³ m¤úwË e¨e¯’vcbv †evW© (APMB) Gi wm×všÍ Ges K‡cv©‡ikb KZ©„c‡ÿi Aby‡gv`b MÖnY mv‡c‡ÿ
`wjjcÎ mswkøó cÖwZôv‡bi wbKU cÖ`vb Kiv hv‡e|

17.0 mKj GjvKvi Rb¨ wb‡`©kbv t

17.1 mswkøó †Rvbvj/wiwRIbvj Awd‡mi Av`vq kvLv cÖavb/`vwqZ¡cÖvß Kg©KZ©v gvgjv `v‡q‡ii Rb¨ wnmve msµvšÍ
me©‡kl Ges mwVK Z_¨ msMÖnc~e©K cÖ‡qvRbxq Aby‡gv`‡bi ci bw_ AvBb Awdmv‡ii wbKU †cÖiY Ki‡eb|
G‡ÿ‡Î 1.0 Aby‡”Q‡`i wb‡`©kbvi e¨Z¨q NU‡j †Rvbvj Awd‡mi †ÿ‡Î mswkøó Av`vq kvLv cÖavb‡K `vq-`vwqZ¡
enb Ki‡Z n‡e Ges Av`vq kvLv/wiwRIbvj Awdm n‡Z bw_ cÖvwßi ci AvBb Awdmvi KZ©„K gvgjv `v‡qi
Kvh©µ‡g wej¤^ NU‡j †Rvbvj Awd‡mi †ÿ‡Î mswkøó AvBb Awdmvi I †Rvbvj g¨v‡bRvi Ges wiwRIbvj
Awd‡mi †ÿ‡Î wiwRIbvj g¨v‡bRvi‡K `vq-`vwqZ¡ enb Ki‡Z n‡e|

Recovery Policy-2014 Circular -9-

 17.2 Awdm cÖav‡bi we‡ePbvq Aby. 3.0 G cÖ`Ë wb‡`©kbv AbymiY bv K‡iI hw` Ab¨ †Kvb ˆea wbqg/ Dcv‡q FY
Av`vq Kiv m¤¢e nq, Z‡e D³ Kvh©µg MÖn‡Yi we¯ÍvwiZ weeiY/KviY bw_‡Z wjwce× K‡i Awdm cÖavb †Ljvwc
cvIbv Av`v‡qi Rb¨ m‡ev©”P 3 (wZb) gvm (cÖwZ gv‡m wKw¯Í Rgvi k‡Z©) mgq gÄyi Ki‡Z cvi‡eb|

17.3 ‡Kvb gvgjvi ivq K‡cv©‡ik‡bi ¯^v‡_©i wecix‡Z †M‡j nvB‡Kv‡U© Avcxj gvgjv `v‡q‡ii †ÿ‡Î †Rv‡bi `vqxZ¡cÖvß
AvBb Kg©KZv©/kvLv cÖavb mswkøó †Rvbvj g¨v‡bRv‡ii gva¨‡g Ges wiwRIbvj Awd‡mi †ÿ‡Î wiwRIbvj
g¨v‡bRvi Avcxj gvgjv `v‡q‡ii Rb¨ `ªæZZg/wbav©wiZ mg‡qi g‡a¨ iv‡qi Kwcmn mswkøó FY †KB‡mi bw_,
cÖ‡qvRbxq WKz‡g›U I Z_¨kxU m`i `dZi, AvBb wefv‡M †cÖiY Ki‡eb| G‡ÿ‡Î e¨Z¨q NU‡j †Rvbvj Awd‡mi
†ÿ‡Î `vqxZ¡cÖvß/‡KvU© Awdmvi I AvBbKg©KZv© Ges wiwRIbvj Awd‡mi †ÿ‡Î †KvU© Awdmvi I wiwRIbvj
g¨v‡bRvi‡K `vq-`vwqZ¡ enb Ki‡Z n‡e|

17.4 ‡Rvbvj Awd‡mi †ÿ‡Î AvBb kvLv cÖavb Ges wiwRIbvj Awd‡mi †ÿ‡Î wiwRIbvj g¨v‡bRvi/`vqxZ¡cÖvß Kg©KZv©
KZ©„K gvgjv †iwR÷v‡i wePvivaxb Ges wb®úwËK…Z mKj gvgjvi nvjbvMv` Z_¨ msiÿ‡Yi welqwU wbwðZ Ki‡Z
n‡e| †iwR÷v‡i gvgjvi nvjbvMv` Z‡_¨i wfwˇZ †Rv‡bi AvBb kvLv cÖavb I wiwRIbvj g¨v‡bRvi KZ©„K
gvwmK wfwˇZ chv©‡jvPbv K‡i h_vh_ e¨e¯’v MÖn‡Yi gva¨‡g gvgjvi AMÖMwZ mvab Ges Rvix/cybtRvix gvgjv
`v‡qi wbwðZ Ki‡Z n‡e| †Ljvwc FY Av`v‡qi j‡ÿ¨ gvgjv `v‡qi ev AvBbMZ Kvh©µg †Kvbfv‡eB †hb
Zvgvw` AvBb Øviv evwiZ bv nq †mw`‡K mRvM `„wó ivL‡Z n‡e| e¨_©Zvq gvgjv cwiPvjbvKvix Ges AvBb
Kg©KZv© Ges mswkøó †Rvbvj/wiwRIbvj g¨v‡bRvi `vqx _vK‡eb|

17.5 wiwmwWDjK…Z FY †KB‡mi Ges †mv‡jK…Z FY †KB‡mi ZvwjKv c„_K †iwR÷v‡i ivL‡Z n‡e Ges cÖwZgv‡m
Avc-‡WU Ki‡Z n‡e| †Rvbvj Awd‡mi †ÿ‡Î Av`vq kvLv cÖavb Ges wiwRIbvj Awd‡mi †ÿ‡Î wiwRIbvj
g¨v‡bRvi D³ †iwR÷vi msiÿY I Avc-‡WU Kivi welq wbwðZ Ki‡eb| ‡kÖYxK…Z FY †KBm, 03 (wZb) ev
Z`yשevi wiwmwWDjK…Z FY †KBm Ges †mv‡jm~‡Î wb®úwËK…Z FY ‡KBmmg~n wbexo Z`viwK‡Z ivL‡Z n‡e Ges
m‡ev©”P AMÖvwaKvi w`‡q Av`vq Kvh¨©µg cwiPvjbv Ki‡Z n‡e|

18: weeiYx cÖ¯‘Z I †cÖiY msµvšÍt

A_© eQ‡ii ïiæ‡Z-B mKj †Rvbvj I wiwRIbvj Awd‡mi wbR wbR AvIZvaxb GjvKvi FY †KBmmg~‡ni nvjbvMv`
ZvwjKv (mshyw³-1 †gvZv‡eK) msMÖn K‡i cÖwZwU †ÿ‡Î FY Av`vq bxwZgvjv Abyhvqx e¨e¯’v MÖnY wbwðZ Ki‡Z
n‡e| M„wnZ e¨e¯’v/Kvh¨©µg, AMÖMwZ I AR©b msµvšÍ nvj-bvMv` Z_¨vw` m¤^wjZ wb‡¤œv³ weeiYxmg~n wbav©wiZ
di‡g‡U wbqwgZfv‡e m`i `dZi Av`vq wefv‡M (GKB mv‡_ Av`vq wefv‡Mi e-mail:
bhbfc_recovery@yahoo.com Ges Hard Copy) ‡cÖiY Ki‡Z n‡et

18.1: gvwmK weeiYxt

(i) FY Av`vq msµvšÍ gvwmK weeiYx|
(ii) e¨emvwqK jÿ¨gvÎv AR©b msµvšÍ weeiYx|
(iii) Acv‡ikbvj Bwdwm‡qwÝ I B›Uvibvj K‡›Uªvj weeiYx
ewY©Z cÖwZgv‡mi weeiYxmg~n cieZx© gv‡mi 1 Zvwi‡Li g‡a¨ †cÖiY Ki‡Z n‡e|

Recovery Policy-2014 Circular -10-

 18.2: ‰ÎgvwmK weeiYxt
(i) ‡mv‡j wb®úwËK…Z FY †KB‡m e¨e¯’v MÖnY msµvšÍ weeiYx|
(ii) ‡gqv` DËxY© FY †KB‡m e¨e¯’v MÖnY msµvšÍ weeiYx|
(iii) Kg©KZv©-Kg©Pvix‡`i FY †KBm msµvšÍ Z_¨|
(iv) cl©` wm×všÍ ev¯Íevqb msµvšÍ weeiYx|
(v) 2q e܇Ki Aby‡gv`b †`qv FY †KB‡mi weeiYx|
cÖwZ †KvqvUv©‡ii (ˆÎ-gvwmK) weeiYx cieZx© gv‡mi 1g mßv‡n †cÖiY Ki‡Z n‡e|

18.3 lvb¥vwmK weeiYxt

(i) cwiZ¨³ m¤úwËi nvjbvMv` cvIbv D‡jø‡L (my` I Avmj c„_Kfv‡e D‡jøLmn) Z_¨ weeiYx|
(ii) †kÖYxK…Z FY †KB‡m (wb¤œgvb, m‡›`nRbK I g›` Avjv`vfv‡e) e¨e¯’v MÖnY wel‡q Z_¨ weeiYx|
Rvbyqvix Ges RyjvB gv‡mi 1g mßv‡n †cÖiY Ki‡Z n‡e|

AÎ mvKz©jvi Awej‡¤^ Kvh©Ki n‡e Ges GZ`&msµvšÍ 18.09.2004wLªt Zvwi‡Li cwicÎ b¤^i-003/2004 Gi
gva¨‡g RvixK…Z FY Av`vq bxwZgvjv-2004 evwZj e‡j MY¨ n‡e|

(†gvt AvdRvj Kwig)

Dc-gnve¨e¯’vcK (Av`vq)

m~Î b¤^it GBPwe/GBPI/AviwW-289(Ask-1)/ ZvwiLt 04.02.2015wLªt

Kvh©Kix e¨e¯’v MÖnYv‡_© Abywjwct

1| Dc-gnve¨e¯’vcK (mKj),......................................., weGBPweGdwm, m`i `dZi, XvKv |
2| †Rvbvj g¨v‡bRvi, weGBPweGdwm (mKj),..........................................
3| wiwRIbvj g¨v‡bRvi, weGBPweGdwm (mKj),.......................................
4| mnKvix gnve¨e¯’vcK, weGBPweGdwm, Kw¤úDUvi I Z_¨ wefvM, m`i `dZi, XvKv |

m`q AeMwZi Rb¨ Abywjwc t

1| gnve¨e¯’vcK, weGBPweGdwm, m`i `dZi, XvKv|
2| e¨e¯’vcbv cwiPvjK g‡nv`‡qi GKvšÍ mwPe, weGBPweGdwm, m`i `dZi, XvKv |
3| Awdm Kwc|

mnKvix gnve¨e¯’vcK (Av`vq)

Recovery Policy-2014 Circular -11-

 mshyw³-1
evsjv‡`k nvDm wewìs dvBbvÝ K‡c©v‡ikb
†Rvbvj/wiwRIbvj Awdm............................
welq: wewfbœ ai‡bi FY †KB‡mi ZvwjKv|

1| A‡kÖYxK…Z FY †KBm (K) wKw¯Í IfviwWD 12 wKw¯Íi wb¤œ ch©šÍ .......................... wU

(L) wKw¯Í IfviwWD 12 †_‡K 24 wKw¯Íi wb¤œ ch©šÍ .......................... wU
2| †kÖYxK…Z wb¤œgvb (K) wb¤œgvb (wKw¯Í IfviwWDÕi cwigvY 24 wKw¯Íi .......................... wU
mgvb ev AwaK wKš‘ 36 wKw¯Íi Kg)|
(L) m‡›`nRbK (wKw¯Í IfviwWDi cwigvY 36 wKw¯Íi .......................... wU
mgvb ev AwaK wKš‘ 60 wKw¯Íi Kg)
(M) g›` (wKw¯Í IfviwWDÕi cwigvY 60 wKw¯Íi mgvb .......................... wU
ev AwaK)
3| †gqv` DËxY© FY †KBm .......................... wU
4| gvgjvaxY FY †KBm .......................... wU
(ZvwjKv-wgm, Rvix, nvB‡KvU© Ges 5 eQ‡i‡ii D‡aŸ© gvgjvaxb †KB‡mi ZvwjKv)
5| cwiZ¨³ m¤úwË (FY †KBm b¤^i, evwoi wVKvbv Ges nvjbvMv` my`mn cvIbv .......................... wU
UvKvi cwigvY D‡jø‡L)

6| K‡cv©‡ikb Gi Kg©KZv©-Kg©Pvix‡`i FY †KB‡mi ZvwjKv

(K) 85t15 mgš^q myweav m¤^wjZ .......................... wU
(L) Avmj k~b¨ .......................... wU
7| †mv‡j wb®úwËK…Z FY †KBm (ZvwjKv) .......................... wU
8| 2q e܇Ki Aby‡gv`bcÖ`Ë FY †KBm (ZvwjKv) .......................... wU
9| mvaviY wiwmwWDj MÖnYK…Z FY †KBm (ZvwjKv) .......................... wU
10| K‡c©v‡ik‡bi Aby‡gv`b e¨wZZ n¯ÍvšÍwiZ FY †KB‡mi ZvwjKv (hw` _v‡K) .......................... wU
11| AwWU AvcwËhy³ FY †KBm (ZvwjKv) .......................... wU
12| 2(`yB) eQi c~‡e© P~ovšÍ wb®úwË nIqv m‡Ë¡I †jRv‡i Pjgvb Ggb ‡KB‡mi .......................... wU
ZvwjKv
13| weµq Aby‡gvw`Z (GKKvjxb/wKw¯Í‡Z) Lwi`vevwoi ZvwjKv| .......................... wU
(cl©` wm×všÍ Ges ev¯Íevqb AMÖMwZi nvjbvMv` Z_¨mn)
14| Lwi`vevwo weµq Aby‡gv`b cieZx©‡Z cÖ‡qvRbxq WvDb †c‡g›U Rgv bv nIqv
Ges wewµi Pzw³ †iwRw÷ª bv nIqv FY †KB‡mi weeiYx|

d¬vU FY
14| (1) wÎ-cÿxq Pzw³i ci e܇Ki A‡cÿvaxY ...................... wU
(K) wba©vwiZ mgq (2/3 eQi) g‡a¨ eÜK nq bvB ...................... wU
(ZvwjKv)
(2) e܇Ki ci †P‡Ki gva¨‡g wKw¯Í Rgv n‡”Q (1g eQi)
Ggb †KBm msL¨v ...................... wU
(ZvwjKv)
(3) N.I Act-Gi gvgjv Pj‡Q Ggb †KBm msL¨v ...................... wU
(ZvwjKv)
(4) eÜK cieZx© 2q eQi Pj‡Q Ggb †KBm msL¨v ...................... wU
(Rgvi eB‡Z wKw¯Í Rgv n‡”Q)
(5) wÎ-cÿxq Pzw³i kZ© jsNb K‡i Ab¨Î weµq n‡q‡Q/
weµ‡qi Pzw³ n‡q‡Q Ggb †KBm msL¨v ...................... wU

Recovery Policy-2014 Circular -12-

 mshyw³-2
evsjv‡`k nvDm wewìs dvBbvÝ K‡c©v‡ikb
‡Rvbvj/wiwRIbvj Awdm..........................
wVKvbv...........................................................
†Uwj‡dvb b¤^i.................................................
1g ZvwM`cÎ
m~Ît ZvwiLt...........................

Rbve/‡eMg.........................................
.......................................................
.......................................................
.......................................................

welqt FY †KBm b¤^i............................................................ Gi †Ljvwc UvKv cwi‡kva cÖms‡M|

Rbve/‡eMg,
Avcbvi/Avcbv‡`i.............................................. b¤^i FY †KB‡m wbqwgZ/cÖwZgv‡m gvwmK
wKw¯Í Rgv bv Kivq............................ ZvwiL ch©šÍ †Ljvwc wKw¯Íi msL¨v I †Ljvwc UvKvi cwigvY
wb¤œiæct
µwgK K¨vUvMix †Ljvwc wKw¯Í †Ljvwc UvKvi cwigvY
msL¨v
1.
2.
3.
‡gvU= ...........................................UvKv (wnt ct mvt)

GgZve¯’vq, AÎ cÎ Bm¨yi ZvwiL n‡Z 30 (wÎk) w`‡bi g‡a¨ D‡jøwLZ UvKv cwi‡kva Kivi Rb¨
Aby‡iva Kiv nj| e¨_©Zvq F‡Yi mg~`q UvKv (my`mn) GKKvjxb Av`v‡qi e¨e¯’v †bqv n‡e|

Avcbvi wek¦¯Í,

Awdmvi/wmwbqi Awdmvi/wc.I
Av`vq kvLv

wet `ªt D‡jøL¨ B‡Zvg‡a¨ mg~`q †Ljvwc UvKv cwi‡kva Kiv n‡j AÎ †bvwUk cÖ‡hvR¨ n‡ebv| G‡ÿ‡Î UvKv
Rgvi †g‡gvi Kwc AÎ Awd‡m `vwLj Kivi Rb¨ Aby‡iva Kiv nj|

Recovery Policy-2014 Circular -13-

 mshyw³-3
evsjv‡`k nvDm wewìs dvBbvÝ K‡c©v‡ikb
2q ZvwM`cÎ
‡Rvbvj/wiwRIbvj Awdm..........................
wVKvbv...........................................................
†Uwj‡dvb b¤^i.................................................

m~Ît ZvwiLt...........................

Rbve/‡eMg.........................................
.......................................................
.......................................................
.......................................................

welqt FY †KBm b¤^i............................................................ Gi †Ljvwc UvKv cwi‡kva cÖms‡M|

m~Ît 1g ZvwM`cÎ b¤^i t ................................................................. ZvwiLt .........................

Rbve/‡eMg,
Avcbvi/Avcbv‡`i................................................ b¤^i FY †KB‡m wbqwgZ/cÖwZgv‡m
gvwmK wKw¯Í Rgv bv Kivq............................ ZvwiL ch©šÍ ‡gvU †Ljvwc.................. UvKv cwi‡kv‡ai
Rb¨ m~‡Î D‡jøwLZ c‡Îi gva¨‡g Aby‡iva Kiv n‡qwQj| GZ`m‡Ë¡I Avcwb h_vmg‡q †Ljvwc UvKv
cwi‡kva bv Kivq ............................. ZvwiL ch©šÍ †Ljvwc wKw¯Íi msL¨v I †Ljvwc UvKvi cwigvY
wb¤œiæct
µwgK K¨vUvMix †Ljvwc wKw¯Í †Ljvwc UvKvi cwigvY
msL¨v
1.
2.
3.
‡gvU= ...........................................UvKv (wnt ct mvt)

GgZve¯’vq, AÎ cÎ Bm¨yi ZvwiL n‡Z 21 (GKzk) w`‡bi g‡a¨ D‡jøwLZ UvKv cwi‡kva Kivi Rb¨
cybivq we‡kl fv‡e Aby‡iva Kiv nj| e¨_©Zvq wewa Abyhvqx Avcbvi/Avcbv‡`i weiæ‡× AvBbvbyM e¨e¯’v
MÖnY Kiv n‡e|

Avcbvi wek¦¯Í,

Awdmvi/wmwbqi Awdmvi/wc.I
Av`vq kvLv

wet `ªt D‡jøL¨ B‡Zvg‡a¨ mg~`q †Ljvcx UvKv cwi‡kva Kiv n‡j AÎ †bvwUk cÖ‡hvR¨ n‡ebv| G‡ÿ‡Î UvKv
Rgvi †g‡gvi Kwc AÎ Awd‡m `vwLj Kivi Rb¨ Aby‡iva Kiv nj|
Recovery Policy-2014 Circular -14-
 mshyw³-4
evsjv‡`k nvDm wewìs dvBbvÝ K‡c©v‡ikb
3q ZvwM`cÎ
‡Rvbvj/wiwRIbvj Awdm..........................
wVKvbv.......................................................
†Uwj‡dvb b¤^i.............................................

3q ZvwM`cÎ
m~Ît ZvwiLt...........................

Rbve/‡eMg.........................................
.......................................................
.......................................................
.......................................................
welqt FY †KBm b¤^i............................................................. Gi †Ljvwc UvKv cwi‡kva cÖms‡M|
m~Ît (1) 1g ZvwM`cÎ b¤^i t ................................................... ZvwiLt ....................
(2) 2q ZvwM`cÎ b¤^i t ................................................... ZvwiLt ....................

Rbve/‡eMg,
Avcbvi/Avcbv‡`i D‡jøwLZ FY †KB‡mi †Ljvwc cwi‡kv‡ai Rb¨ m~‡Î D‡jøwLZ cÎ mg~‡ni
gva¨‡g ZvwM` †`qv m‡Ë¡I Avcwb/ Avcbviv h_vmg‡q †Ljvwc UvKv cwi‡kva K‡ib bvB| eZ©gv‡b A_v©r
.................... ZvwiL ch©šÍ Avcbvi/Avcbv‡`i FY wnmv‡e †Ljvwc wKw¯Íi msL¨v I †Ljvwc UvKvi cwigvY
wb¤œiæct
µwgK K¨vUvMix †Ljvwc wKw¯Í †Ljvwc UvKvi cwigvY
msL¨v
1.
2.
3.
‡gvU= ...........................................UvKv (wnt ct mvt)

GgZve¯’vq, AÎ cÎ Bm¨yi ZvwiL n‡Z 15 (c‡bi) w`‡bi g‡a¨ D‡jøwLZ UvKv cwi‡kva Kivi Rb¨
cybivq we‡kl fv‡e Aby‡iva Kiv nj| e¨_©Zvq wewa Abyhvqx Avcbvi/Avcbv‡`i weiæ‡× AvBbvbyM e¨e¯’v
MÖnY Kiv n‡e|

Avcbvi wek¦¯Í,

wiwRIbvj/‡Rvbvj g¨v‡bRvi

wet `ªt D‡jøL¨ B‡Zvg‡a¨ mg~`q †Ljvwc UvKv cwi‡kva Kiv n‡j AÎ †bvwUk cÖ‡hvR¨ n‡ebv| G‡ÿ‡Î UvKv
Rgvi †g‡gvi Kwc AÎ Awd‡m `vwLj Kivi Rb¨ Aby‡iva Kiv nj|
Recovery Policy-2014 Circular -15-
 wjM¨vj †bvwUk
cÖvwß ¯^xKvi cÎmn †iwRw÷ªK…Z
evsjv‡`k nvDm wewìs dvBbvÝ K‡cv©‡ikb
‡Rvbvj/wiwRIbvj Awdm...................................
FY †KBm b¤^i........................ ZvwiL t..............................

evsjv‡`k nvDm wewìs dvBbvÝ K‡cv©‡ikb AWv©i 1973 (†cÖwm‡W›U AWv©i b¤^i: 7, 1973) Gi 25 aviv g‡Z
†bvwUk t

Rbve/‡eMg........................................................
......................................................................
......................................................................
......................................................................
......................................................................

Avcbv‡K AÎ †bvwUk Øviv AeMZ Kiv hv‡”Q †h t

1| Avcwb/Avcbviv/Avcbv‡`i c~e©m~ix evsjv‡`k nvDm wewìs dvBbvÝ K‡cv©‡ik‡bi AbyK~‡j †i‡nb `wjj m¤úv`b I
†iwRw÷ª KiZt M„n wbgv©Y FY eve`-
K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
‡gvU =.............................................. UvKv FY MÖnY K‡i‡Qb|

2| ‡i‡nb `wj‡ji kZ© †gvZv‡eK wbqwgZfv‡e gvwmK wKw¯Í‡Z D³ FY cÖwZgv‡m -

K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
‡gvU =.............................................. UvKv my`mn cwi‡kva Kivi Rb¨ †iwRw÷ª †i‡nb `wj‡ji
gva¨‡g Pzw³e× i‡q‡Qb|

3| evi evi ZvwM`cÎ †cÖiY Ges e¨w³MZ †hvMv‡hv‡Mi gva¨‡g ZvwM` †`qv m‡Ë¡I Avcwb/Avcbviv FY cwi‡kva bv Kivq
........................................... ZvwiL ch©šÍ-
K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
‡gvU =.............................................. UvKv FY †Ljvwc n‡q‡Q| †Ljvwc FY cwi‡kva bv Kivi
Kvi‡Y K‡cv©‡ik‡bi ms‡M †iwRw÷ªK…Z †i‡nb `wj‡ji kZ© f½ K‡i‡Qb|

AZGe, Avcbvi/Avcbv‡`i F‡Yi wKw¯Í ei‡Ljvc Ges †i‡nb `wj‡ji kZ© f‡½i †cÖwÿ‡Z AÎ K‡cv©‡ikb
Avcbvi/Avcbv‡`i wbKU n‡Z m¤ú~Y© UvKv GKKvjxb Av`v‡qi `vex Kivi AwaKvix n‡q‡Q| .................................
ZvwiL ch©šÍ Avcbvi/Avcbv‡`i wbKU my` Avm‡j K‡cv©‡ik‡bi mg~`q cvIbvi cwigvY wb¤œiƒct
K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
K¨vUvMix # ......... G =...............................................UvKv
‡gvU =.............................................. UvKv (wnt wbt mvt) Ges Av`vq KvjZK my`|

4| AZGe Avcbv‡K/Avcbv‡`i‡K AÎ †bvwUk Øviv A`¨ n‡Z 21 (GKzk) w`‡bi g‡a¨ ........................... ZvwiL ch©šÍ
my` Avm‡j K‡cv©‡ik‡bi mg~`q cvIbv ................................. (K_vq..............................
.................................) UvKv Ges Av`vq KvjZK my` GKKvjxb cwi‡kva Kivi Rb¨ ejv nj| ewY©Z mg‡qi g‡a¨
Dc‡ivwjøwLZ `vexK…Z UvKv cwi‡kva bv Ki‡j Avcbvi/Avcbv‡`i weiæ‡× AvBb Abyhvqx †Rjv RR/A_©FY Av`vj‡Z
K‡cv©‡ikb gvgjv `v‡qi Ki‡Z eva¨ n‡e| G‡ÿ‡Î Avcwb/Avcbviv AÎ K‡cv©‡ik‡bi mg~`q cvIbvmn gvgjvi hveZxq LiP
enb Ki‡Z eva¨ _vK‡eb|

AvBb Awdmvi/`vwqZ¡cÖvß Kg©KZv

Recovery Policy-2014 Circular -16-

 evsjv‡`k nvDm wewìs dvBbvÝ K‡c©v‡ikb mshyw³-5
†Rvbvj Awdm, †Rvb-
c~Y© wVKvbv t----------------------------
AZxe Riæix
m~Î b¤^i t ZvwiL t
Without prejudice
cÖvcK t
-----------------------------------
-----------------------------------
-----------------------------------
-----------------------------------

welq t †Ljvwc FY (Over-due) cwi‡kv‡a e¨_©Zvq AvBbMZ e¨e¯’v MÖn‡Yi we‡kl †bvwUk|
(FY †KBm b¤^i t-----------------------------|

AÎ K‡cv©‡ikb n‡Z FY MÖnY K‡i Avcwb eÜK `wj‡ji kZ© †gvZv‡eK F‡Yi gvwmK wKw¯Í wbqwgZ
cwi‡kva Ki‡Qb bv| Avcbvi FY †KB‡mi/wnmv‡ei cÖwfkbvj Z_¨ we‡køl‡Y †`Lv hvq †h,
..............................Lªxt ZvwiL/gvm ch©šÍ D³ FY †KB‡m K¨vUvMixIqvBR †Ljvwc F‡Yi (Over-
due) cwigvY wb¤œiƒc t
1| K¨vUvMix # ................ †Z ................ wU Acwi‡kvwaZ wKw¯Í eve` ......................... UvKv|
2| K¨vUvMix # ................ †Z ................ wU Acwi‡kvwaZ wKw¯Í eve` ......................... UvKv|
3| K¨vUvMix # ................ †Z ................ wU Acwi‡kvwaZ wKw¯Í eve` ......................... UvKv|
‡gvU ........................................ UvKv|
FY cwi‡kv‡ai G AvPiY g~j FY Pzw³bvgvi ev †i‡nb `wj‡ji k‡Z©i cwi¯‹vi ei‡Ljvd| mg‡q mg‡q
ZvwM`cÎ †cÖiY I e¨w³MZ †hvMv‡hvM Kiv m‡Ë¡I †Ljvwc cvIbv UvKv cwi‡kva c~e©K FY wnmve wbqwgZ
bv Kivq Avcbvi FY †KB‡m h_vmZ¡i gvgjv `v‡q‡ii welqwU eZ©gv‡b cÖwµqvaxb Av‡Q|

D‡jøL¨, cÖ‡qvRb‡ev‡a miKvi cÖ`Ë we‡kl ÿgZve‡j (WvD‡i± †mjm& iæjÕm-1977 †gvZv‡eK) gvgjv
`v‡qi Kiv QvovB ˆ`wbK cwÎKvq weÁvcb w`‡q F‡Y wbwg©Z evwo mivmwi weµ‡qi AwaKviI K‡cv©‡ikb
msiÿY K‡i| AwaK †Ljvwc FY MÖnxZv‡`i bvg cwÎKvq cÖKv‡ki welqwUI eZ©gv‡b we‡ePbvaxb Av‡Q|

myZivs, Avcbvi wbR ¯^v‡_©-B AÎ cÎ cÖvwßi 15 (c‡bi) w`‡bi g‡a¨ mgy`q †Ljvwc cvIbv UvKv cwi‡kva
c~e©K FY wnmve nvj-bvMv` K‡i AvBbMZ Sv‡gjv/mivmwi weµ‡qi SzuwK cwinvi Kivi Rb¨ Avcbv‡K
we‡klfv‡e Aby‡iva Kiv hv‡”Q| e¨_©Zvq Avi †Kvb cÖKvi †hvMv‡hvM Qvov-B gvgjv `v‡qi/mivmwi weµ‡qi
e¨e¯’v MÖnY Ki‡Z K‡cv©‡ikb eva¨ n‡e|

wiwRIbvj g¨v‡bRvi Gi ¯^v¶i †Rvbvj g¨v‡bRvi

(bvgmn mxj‡gvni ) †Rvbvj Awdm
†dvb t------------------------ †Rvb----------------
†dvb t --------------

wet `ªt BZ¨em‡i †Ljvwc FY (AvswkK ev m¤ú~Y© ) cwi‡kva Kiv n‡q _vK‡j Ges Avcbvi FY wnmv‡ei/
†KB‡mi †Ljvwc (Over-due) UvKvi cwigvY wKsev mgy`q cvIbvi cwigvY (Outstanding Amount)
m¤ú‡K© †Kvb wRÁvmv _vK‡j F‡Yi wKw¯Í Rgvi †g‡gvmn mswkøó †Rvbvj/wiwRIbvj Awd‡m AwZmË¡i
†hvMv‡hvM Kivi Rb¨ Avcbv‡K we‡klfv‡e Aby‡iva Kiv hv‡”Q|

Recovery Policy-2014 Circular -17-