evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU

evsjv‡`k e¨vsK
cÖavb Kvh©vjq
XvKv
www.bb.org.bd

02 Avwk¦b, 1424
weGdAvBBD mvK©yjvi bs-19 ZvwiL :
17 „m„Þ¤^i, 2017
e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v
evsjv„`„k Kvh©iZ mKj Zdwmwj e¨vsK

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Zdwmwj

e¨vsKmg~‡ni Rb¨ AbymiYxq wb‡`©kbv RvixKiY cÖm‡½|

gvwbjÛvwis cÖwZ„iva AvBb, 2012 I mš¿vm we„ivax AvBb, 2009 Ges AvBb `ywUi AvIZvq RvixK‚Z wewagvjvi
mswkøó weavbvejx cwicvj„b evsjv„`„k Kvh©iZ mKj Zdwmwj 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)(N) avivq cÖ`Ë
ÿgZv e„j Rvix Kiv n„jv :

1| cwicvjb KvVv‡gv :
1.1 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv :
gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb cÖwZ„iv„a AvšÍR©vwZK gvb`Û, ƒ`„k we`¨gvb AvBb, wewagvjv I evsjv„`k
dvBb¨vwÝqvj B„›Uwj„RÝ BDwbU (weGdAvBBD)-Gi wb„`©kbvejxi mgš^„q cÖwZwU e¨vs„Ki GKwU wbR¯^ bxwZgvjv
_vK„e; hv Zv„`i cwiPvjbv cl©` ev cքhvR¨ ƒÿ„Î e¨vs„Ki m„ev©”P e¨e¯’vcbv KwgwU Aby„gv`b Ki„e| D³
bxwZgvjv mswkøó mK„ji AeMwZ„Z Avb„e I ev¯Íevq„bi Rb¨ cքqvRbxq c`„ÿc MÖnY Ki„e| e¨vsK mgq mgq1
bxwZgvjvwU ch©v„jvPbv Ki„e I cքhvR¨ ƒÿ„Î, ms„kvab/cwigvR©b Ki„e|

1.2 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨e¯’vcbv KZ©„c‡ÿi A½xKvi †NvlYv :
(K) cÖwZwU e¨vs„Ki cwiPvjbv cl©`, m„ev©”P wbev©nx Ges Ab¨vb¨ EaŸ©Zb Kg©KZ©vMY gvwbjÛvwis I mš¿vmx
Kv„h© A_v©qb cÖwZ„iv„a Dch©y³ AvBb `ywU„Z ewY©Z Zv„`i wbR wbR `vwqZ¡ I KZ©„e¨i Av„jv„K
cÖvwZôvwbK cwicvjb e¨e¯’v ƒRvi`vi Kivi wel„q m„Pó _vK„eb|
(L) e¨vs„Ki cÖavb wbe©vnx evrmwiK wfw˄Z e¨vs„Ki mKj Kg©KZ©v/Kg©Pvix„`i D„Ï„k¨ gvwbjÛvwis Ges
mš¿vmx Kv„h© A_©vqb cÖwZ„iv„a my¯úó I Kvh©Ki A½xKvi ƒNvlYv Ki„eb Ges A½xKvi ev¯Íevq„b h_vh_
wb„`©kbv cÖ`vb Ki„eb| cքhvR¨ ƒÿ„Î, cwicvjbxq welqvw`i mvwe©K Ae¯’v ch©„eÿY Ki„eb|

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e¨vs„Ki wbR¯^ ML/TF Risk Assessment Guidelines Gi mv„_ m½wZc~Y©i€„c|

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1.3 Kgcøv‡qÝ Awdmvi wb‡qvM I Ab¨vb¨ :

(1) e¨vswKs LvZ„K gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb welqK SzuwK n„Z gy³ ivLvi Rb¨ Ges GZ`&msµvšÍ
wel„q we`¨gvb AvBb, wewagvjv Ges weGdAvBBD KZ©K mgq mgq RvixK‚Z mvKz©jvi I MvBWjvB„Ý
ewY©Z wb„`©kbvejx h_vh_fv„e cwicvjbv„_© cÖwZwU e¨vs„K wb¤œi€c e¨e¯’vw` _vK„Z n„e :
(K) cÖwZwU e¨vsK GKRb ÒEaŸ©Zb Kg©KZ©viÓ ƒbZ‚„Z¡ cÖavb Kvh©vj„q GKwU ԄK›`ªxq cwicvjb KwgwUÕ
(Central Compliance Committee) cªwZôv Ki„e; Av„jvP¨ KwgwU mivmwi e¨vs„Ki e¨e¯’vcbv
cwiPvjK ev cÖavb wbe©vnx Kg©KZ©vÕi wbKU wi„cvU© Ki„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©vÕi c`bvg e¨vs„Ki
e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi (02) `yB av„ci bx„P n„e bv| Z„e we„`kx e¨vs„Ki
ƒÿ„Î D³ ÔEaŸ©Zb Kg©KZ©vՄK Aek¨B m„ev©”P e¨e¯’vcbv KwgwUi (Management Committee)
m`m¨ n„Z n„e| cÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©vi cwieZ©b n„j Awej„¤^ wjwLZfv„e
bweGdAvBBD-„K AewnZ Ki„Z n„e| cÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©v„K e¨vs„Ki
Ab¨ „Kv„bv `vwqZ¡ Ac©„Yi c~„e© e¨e¯’vcbv KZ©cÿ„K wbwðZ n„Z n„e ƒh Gi d„j e¨vsKwUi
gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb cÖwZ„iva welqK Kvh©µg wewNœZ n„e bv|
(L) cÖwZwU e¨vs„K „K›`ªxq cwicvjb KwgwUÕi mvwPweK `vwqZ¡ cvjb Ges gvwbjÛvwis I mš¿vmx Kv„h©
A_©vqb cÖwZ„iv„a cwicvjbxq welqmg~n m¤úv`„bi j„ÿ¨ Dchy³ msL¨K Kg©KZ©vi2 mgš^„q GKwU
ÒgvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkbÓ _vK„e; D³ wefvM/wWwfk„bi cÖavb
wn„m„e DccÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©v (Deputy Chief Anti Money
Laundering Compliance Officer:D-CAMLCO) `vwqZ¡ cvjb Ki„eb| D„jøL¨, D-
CAMLCO c„` b~¨bZg ÔDcgnve¨e¯’vcKÕ A_ev Ôwmwbqi fvBm ƒcÖwm„W›UÕ A_ev mgc`gh©v`vi
GKRb Kg©KZ©v„K g„bvbqb cÖ`vb Kiv hv„e|
(M) „K›`ªxq cwicvjb KwgwU gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb msµvšÍ SzuwK cÖwZ„iv„a e¨vs„Ki wbR¯^
bxwZgvjvi AvIZvq cÖvwZôvwbK ƒK‡kj I Kg©m~Px wba©viY Ki„e Ges mgq mgq Zv ch©v„jvPbv
Ki„e| „K›`ªxq cwicvjb KwgwU Ges cÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©vi ZË¡veav„b
ÒgvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkbÓ evwl©K wfw˄Z gvwbjÛvwis Ges mš¿vmx
Kv„h© A_©vqb cÖwZ„iva Kg©m~Pxi ev¯Íevqb wbwðZ Ki„e|
(N) cÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©v I DccÖavb 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|
(O) gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfk„bi Kvh©vejx Ges „K›`ªxq cwicvjb KwgwU,
KwgwUi m`m¨ Ges cÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ„iva
cwicvjb Kg©KZ©vi `vwqZ¡ I KZ©e¨ mywbw`©ófv„e wba©vwiZ _vK„Z n„e|

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D³ wefvM/wWwfkb Gi Rbej e¨vs„Ki kvLvi msL¨v, e¨emv„qi we¯Í‚wZ, MÖvnK msL¨v BZ¨vw`i Av„jv„K wba©vwiZ n„e|

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 (P) „K›`ªxq cwicvjb KwgwU b~¨bZg 7(mvZ) m`m¨ wewkó n„e; hv„Z cÖavb gvwbjÛvwis cÖwZ„iva
cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©vmn e¨vs„Ki wewfbœ wefv„Mi
(„hgb: wnDg¨vb wi„mv„m©m wWwfkb, ƒµwWU wWwfkb, wi„Uj I K„cv©„iU e¨vswKs wWwfkb, d„ib
G·„PÄ wWwfkb, Acv„ikb wWwfkb, KvW© wWwfkb, AvBwU wWwfkb BZ¨vw`) cÖavb A_ev EaŸ©Zb
Kg©KZ©vMY m`m¨ n„eb| Z„e Af¨šÍixY wbixÿv wefv„Mi „Kv„bv Kg©KZ©v „K›`ªxq cwicvjb KwgwUi
m`m¨ n„Z cvi„eb bv| „K›`ªxq cwicvjb KwgwU I Af¨šÍixY wbixÿv wefvM m¤ú~Y© Avjv`vfv„e
Zv„`i Dci Awc©Z gvwbjÛvwis Ges mš¿vmx Kv„h© A_©vqb cÖwZ„iva welqK `vwqZ¡ cvjb Ki„e|
(Q) „K›`ªxq cwicvjb KwgwU eQ„i AšÍZ 4 (Pvi) wU mfv3 Av„qvRb Ki„e| D³ mfvq Zviv e¨vs„Ki
gvwbjÛvwis Ges mš¿vmx Kv„h© A_©vqb cÖwZ„iva cwicvj„bi mvwe©K Ae¯’v ch©v„jvPbvc~e©K cքqvRbxq
wm×všÍ MÖnY Ges AbymiYxq wb„`©kbv cÖ`vb Ki„e|

(2) evsjv„`k dvBb¨vwÝqvj B„›Uwj„RÝ BDwbU KZ©K Bm¨yK‚Z ML/TF Risk Assessment Guidelines
for Banking Sector Gi wb„`©kbv Abymv„i GKwU wbw`©ó mgq AšÍi AšÍi cÖwZwU e¨vsK gvwbjÛvwis I
mš¿v„m A_©vqb msµvšÍ wbR¯^ SzuwK wbi€cY Ki„e Ges Zv weGdAvBBD KZ©K Vetting& c~e©K SzuwK
ƒgvKv„ejvi Rb¨ h_vh_fv„e e¨envi Ki„e| GQvovI RvZxq ch©v„q ev e¨vswKs Lv„Zi mv„_ mvgÄm¨c~Y©
Ges wbi€wcZ SzuwKi Av„jv„K, cքhvR¨ wWD wWwj„RÝ Kvh©µg MÖnY Ki„e|
(3) ƒK›`ªxq cwicvjb KwgwU 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 wfw˄Z (Rvbyqvwi-Ryb, RyjvB-wW„m¤^i)
e¨vs„Ki cÖavb wbe©vnx, cքhvR¨ ƒÿ„Î, cwiPvjbv cl©„`i 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 „Kv„bv e¨e¯’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 e¨e¯’vcbv KwgwUi mfvq Dc¯’vcb
Ki„Z n„e Ges cÖwZ„e`bwUi GKwU Kwc mswkøó lvb¥vwmK ƒkl nIqvi 2(`yB) gv„mi g„a¨ weGdAvBBD
eivei ƒcÖiY Ki„Z n„e|
(4) ƒK›`ªxq cwicvjb KwgwUi wb„`©kbv Abymv„i gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb
kvLvmg~„ni Rb¨ AbymiYxq wb„`©kbvejx Rvix Ki„e; hv„Z gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iv„a MÖvnK
cwiwPwZ MÖnY, ƒjb„`b gwbUwis e¨e¯’v, Af¨šÍixY wbqš¿Y e¨e¯’v Ges GZ`&msµvšÍ Ab¨vb¨ cwicvjbxq
bxwZ I c×wZmg~n AšÍfz©³ _vK„e|
(5) „K›`ªxq cwicvjb KwgwU DwjøwLZ 1.3(1)(M) Ges 1.4 Aby„”Q„`i wb„`©kbvi ev¯Íevq„b kvLv ch©v„q
cwicvjb Kg©KZ©v g„bvbq„bi gva¨„g Af¨šÍixY cwiexÿY I wbqš¿Y e¨e¯’v cªwZôv Ki„e| G„ÿ„Î, cÖwZwU
kvLvq GKRb AwfÁ kvLv gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZv© (Branch Anti Money
Laundering Compliance Officer-BAMLCO) g„bvbxZ Ki„e| D„jøL¨, kvLv e¨e¯’vcK, kvLvi
wØZxq Kg©KZ©v A_ev „Rbv„ij e¨vswKs/d„ib G·„PÄ/ƒµwWU BZ¨vw` wel„q 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

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„K›`ªxq cwicvjb KwgwUi mfv …ÎgvwmK wfw˄Z Av„qvRb Ki„Z n„e| Z„e cքqvR„b KwgwU cÖavb ƒh ƒKv„bv mgq mfv Avnevb Ki„Z cvi„eb|

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 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|
(6) kvLv gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó Kg©KZ©v„`i wb„q …ÎgvwmK wfw˄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_ e¨e¯’v MÖnY Ki„eb :
 MÖvnK cwiwPwZ;
 „jb„`b gwbUwis;
 m„›`nRbK ƒjb„`b ev Kvh©µg wPwýZKiY I wi„cvwU©s;
 ¯’vbxq Sanction List mn RvwZms„Ni wbivcËv cwil„`i „iRyjykbmg~„ni ev¯Íevqb;
 ƒmî G¨v„mm„g›U msµvšÍ Kvh©µg;
 „iKW© msiÿY;
 cÖwkÿY BZ¨vw`|
kvLv cwicvjb Kg©KZv© …ÎgvwmK mfvi Kvh©weeiYx gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb
eive„i ƒcÖiY Ki„eb|

2| MÖvnK wbe©vPb bxwZgvjv :

MÖvnK wbe©vP„bi ƒÿ„Î cÖwZwU e¨vs„Ki mywbw`©ó bxwZgvjv _vK„Z n„e; hv e¨vs„Ki gvwbjÛvwis I mš¿vmx Kv„h©
A_©vqb msµvšÍ SzuwK cÖwZ„iva msµvšÍ g~j bxwZgvjvi Ask n„Z cv„i| D³ bxwZgvjvq Ab¨vb¨ cÖvmw½K wel„qi
mv„_ Avewk¨Kfv„e wb„gœv³ welqmg~n AšÍfz©³ _vK„e :
(1) „ebv„g, QÙbv„g ev ïay b¤^ihy³ „Kv„bv MÖvn„Ki wnmve ƒLvjv ev cwiPvjbv Kiv hv„e bv;
(2) RvwZms„Ni wbivcËv cwil„`i wewfbœ ƒiRyjyk„bi4 AvIZvq mš¿vm I mš¿vmxKv„h© A_©vq„b RwoZ m„›`„n
ZvwjKvfy³ „Kv„bv e¨w³ ev mËv Ges evsjv„`k miKvi KZ©K ZvwjKvfy³5 „Kv„bv e¨w³ ev wbwl×
ƒNvwlZ mËvi „Kv„bv wnmve ƒLvjv hv„e bv ev cwiPvjbv Kiv hv„e bv; Ges
(3) Shell Bank6 Gi mv„_ „Kv„bv ai„Yi e¨vswKs m¤úK© ¯’vcb Kiv hv„e bv;
(4) weGdAvBBD KZ©K mgq mgq cÖ`Ë wb„`©kbv AbymiYxq n„e|

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RvwZms„Ni wbivcËv cwil„`i wewfbœ ƒiRyjyk„bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv ej„Z mš¿vm we„ivax wewagvjv, 2013 Gi 2 (Q) bs wewa„Z
msÁvwqZ ƒiRyjyk„bi AvIZvq ZvwjKvfz³ e¨w³ ev mËv„K eySv„e| GB ZvwjKvmg~n http://www.un.org/sc/committees/index.shtml
A_ev http://www.bb.org.bd/aboutus/ dept /bfiu/sanction_list.php I„qewjsK n„Z msMÖn Kiv hv„e|
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evsjv„`k miKvi KZ©K ZvwjKvfy³ „Kv„bv e¨w³ ev wbwl× ƒNvwlZ mËv ej„Z mš¿vm we„ivax AvBb, 2009 Gi 18 b¤^i avivq cÖ`Ë ÿgZve„j
evsjv„`k miKvi KZ©K mgq mgq miKvwi ƒM„RU cªÁvcb Øviv Zdwmjfz³ „Kv„bv e¨w³ ev mËv„K eySv„e|
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Shell bank means a bank that has no physical presence in the country which it is incorporated and licensed, and which is
unaffiliated with a regulated finacial group that is subject to effective consolidated supervision. Physical presence means
meaningful mind and management located within a country. The existance simply of a local agent or low level staff does not
constitute physical presence.

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3| MÖvnK, MÖvnK cwiwPwZ, MÖvnK mZK©Zvg~jK e¨e¯’v I Ab¨vb¨ :
3.1 MÖvn‡Ki msÁv :
gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb SzuwK e¨e¯’vcbvq MÖvnK ej„Z wb„gœv³ e¨w³ ev mËv„K eySv„e :
(1) e¨vs„Ki mv„_ wnmve msiÿY K„i ev e¨emvwqK m¤úK© i„q„Q Ggb ƒh „Kv„bv e¨w³ ev mËv;
(2) e¨vsK wnmve ev e¨emvwqK m¤ú„K©i cÖK‚Z myweav„fvMx (Beneficial Owner)7; cÖZ¨ÿ ev c„ivÿfv„e
hvi c„ÿ wnmve cwiPvwjZ nq;
(3) we`¨gvb AvBbx KvVv„gvi AvIZvq „Kv„bv wnmveavix, Uªv÷ ev ƒjb„`„bi cÖK‚Z myweav„fvMxi wnmve
cwiPvjbvi Rb¨ wbhy³ „Kv„bv ƒckv`vi ga¨¯’ZvKvix (AvBbRxex, AvBb civgk©K cÖwZôvb, PvU©vW©
G¨vKvD„›U›U BZ¨vw`); Ges
(4) „Kv„bv e¨w³ ev mËv KZ©K GKK ƒjb„`„b msNwUZ AwaK g~„j¨i8 Occasional Transaction ev
cÖwZôv„bi mybvg Ges Ab¨ „Kvb SzuwK mwó Ki„Z cv„i Ggb Avw_©K ƒjb„`„bi ƒÿ„Î mswkøó e¨w³ ev
mËv|
(5) weGdAvBBD KZ©K mgq mgq msÁvwqZ e¨w³ ev mËv|

3.2 MÖvnK cwiwPwZ (Know Your Customer--KYC) :

gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb SzuwK e¨e¯’vcbvq MÖvn„Ki cwiwPwZ MÖnY I hvPvB cÖwµqvi „ÿ„Î wb„¤œv³
welqvejxi cwicvjb wbwðZ Ki„Z n„e :
(1) MÖvn„Ki cwiwPwZi c~Y©v½9 I mwVK10 Z_¨ msMÖn Ki„Z n„e| e¨vswKs e¨e¯’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 MÖvnK KZ©K wnmve ƒLvjvi
D„Ïk¨ m¤ú„K© mg¨K aviYv Ges MÖvnK cwiwPwZ m¤úwK©Z Z_¨ ev DcvË hvPvB cÖwµqv m¤úv`b Ki„Z
n„e| D„jøL¨, Gi€c c~Yv©½ I mwVK Z_¨ MÖnY ev msiÿ„Yi ƒÿ„Î myweavRbK we„ePbvq AvaywbK cÖhyw³i
e¨envi ev mnvqZv MÖnY Kiv hv„e|
(2) e¨w³ ev cÖvwZôvwbK wnmveavix MÖvn„Ki ƒÿ„Î weGdAvBBD KZ©K RvixK‚Z Awfbœ wnmve ƒLvjvi di„g
(Uniform Account Opening Form) wb„`©wkZ cwiwPwZg~jK Z_¨ ev DcvË msMÖn I Dnvi
mwVKZv hvPvB Ki„Z n„e|

7
Beneficial owner refers to the natural person(s) who ultimately owns or controls a customer and/or the natural person on
whose behalf a transaction is being conducted. It also includes those persons who exercise ultimate effective control over a
legal person or arrangement. Reference to “ultimately owns or controls” and “ultimate effective control” refer to situations
in which ownership/control is exercised through a chain of ownership or by means of control other than direct control.
Note: It is required to conduct CDD of settlor, trustee, protector or any person with similar status or any beneficiary or class
of beneficiaries who have hold effective control on trust, in case of identification of beneficial ownership of a legal
arrangement.
8
G„ÿ„Î mswkøó e¨w³ ev cÖwZôv„bi e¨emv/„ckv/ƒcÖvdvB„ji wbix„L ¯^vfvweK ƒjb„`„bi Zzjbvq „Kv„bv ƒjb„`b A¯^vfvweK cÖZxqgvb n„j Zv
ÔAwaK g~„j¨iÕ e„j we„ewPZ n„e|
9
Òc~Y©v½ (complete)Ó ej„Z wnmv„ei Av„e`bKvix/wnmveavix MÖvn„Ki cwiwPwZ hvPvBK„í cքqvRbxq mKj Z„_¨i mwbœ„ek„K eySv„e|
D`vniY¯^i€ct bvg, ƒckv, Rb¥ ZvwiL I we¯ÍvwiZ wVKvbv, Ges cvm„cvU©/RvZxq cwiPqcÎ/Rb¥ wbeÜb mb`/MÖnY„hvM¨ cwiwPwZg~jK Qwehy³
AvBwW KvW©, „dvb/„gvevBj b¤^i BZ¨vw` Ab¨vb¨ cքqvRbxq Z_¨vw`|
10
ÒmwVK (Accurate)Ó ej„Z c~Y©v½ Gi€c Z_¨„K eySv„e hvi mwVKZv h_vh_ KZ©c„ÿi wbKU n„Z hvPvB Kiv n„q„Q|

5
 (3) hw` MÖvn„Ki c„ÿ Ab¨ „Kv„bv e¨w³ wnmve cwiPvjbv K„i ƒm„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 |
(4) Uªvw÷ I ƒckv`vi ga¨¯’ZvKvix KZ©K MÖvn„Ki c„ÿ cwiPvwjZ wnmv„ei ƒÿ„Î Zv„`i AvBbMZ Ae¯’vb
ch©v„jvPbv I Zvi h_v_©Zv wbi€cYc~e©K mswkøó mK„ji cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki„Z n„e|
(5) wnmveavix e¨wZZ Ab¨ KvD„K (Walk-in Customer11) ƒjb„`„b myweav cÖ`v„bi ƒÿ„Î („hgbt wWwW,
wUwU, GgwU, ƒc-AWv©i ev AbjvBb ƒjb„`b BZ¨vw`) G mvKz©jv„i Ab¨vb¨ Aby„”Q„` ewY©Z wb„`©kbv AbymiY
Ki„Z n„e|

3.3 MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v (Customer Due Diligence--CDD) :

MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v ev CDD ej„Z wbf©i„hvM¨ I ¯^vaxb Drm n„Z cÖvß Z_¨, DcvË I `wjjvw`i
wfw˄Z MÖvn„Ki cwiwPwZ wbwðZKiY, msMnxZ cwiwPwZg~jK Z_¨ ev Dcv„Ëi mwVKZv Ges A„_©i Drm
hvPvBKiYmn wnmv„ei cwiwPwZg~jK Z_¨ ev DcvË I ƒjb„`b wbqwgZfv„e (On-going) gwbUwis Kiv„K eySv„e|
D„jøL¨ ƒh, MÖvn„Ki h_vh_ cwiwPwZ MÖnY I hvPvBKiY (KYC), CDD cÖwµqvi GKwU Ask|
(1) MÖvnK mswkøó 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) IqvK-Bb-Kv÷gvi (Walk-in Customer) KZ©K m¤úvw`Z 5,00,000/-(cvuP jÿ) UvKv ev
Z`yaŸ© g~„j¨i Occasional Transaction12;
(M) hLb m„›`n Kivi h„_ó KviY _vK„e ƒh BZtc~„e© MÖvn„Ki cwiwPwZi wbwg„Ë ƒh Z_¨ ev `wjjvw`
msMÖn Kiv n„q„Q Zv ch©vß ev mwVK bq; Ges
(N) „Kv„bv ƒjb„`b gvwbjÛvwis ev mš¿vmx Kv„h© A_©vq„bi mv„_ RwoZ g„g© m„›`„n CDD m¤úv`„bi
ƒÿ„Î Z„_¨i ƒMvcbxqZv dvum (Tipping-Off) nevi m¤¢vebv _vK„j CDD m¤úv`b bv K„iB
m„›`nRbK ƒjb„`b/Kvh©µg wi„cvU© Ki„Z n„e|
(2) MÖvn„Ki cwiwPwZ Ges e¨vs„Ki mv„_ m¤úK© ¯’vc„bi AšÍwb©wnZ D„Ïk¨ m¤ú„K© wbwðZ nIqvi Rb¨ cքZ¨K
e¨vsK Zv„`i mš‘wó13 mv„c„ÿ ch©vß Z_¨ msMÖn Ki„e| D„jøL¨, e¨vsK KZ©K m¤úvw`Z Av„jvP¨ CDD
Kvh©µg wbqwgZfv„e (On-going) ch©v„jvPbv Ki„Z n„e|
(3) cÖwZwU wnmv„ei cÖKZ myweav„fvMx (Beneficial Owner) mbv³ Ki„Z n„e| G„ÿ„Î e¨vs„Ki mš‘wó
mv„c„ÿ ¯^vaxb I wbf©i„hvM¨ m~Î n„Z msMnxZ Z„_¨i wfw˄Z wb„¤œv³fv„e wnmv„ei cÖKZ myweav„fvMxÕi
cwiwPwZ wbwðZ Ki„Z n„e :
(K) hw` „Kv„bv MÖvnK Ab¨ „Kv„bv e¨w³i c„ÿ wnmve cwiPvjbv K„i, „m ƒÿ„Î MÖvnK QvovI D³
e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki„Z n„e;

11
Walk-in Customer ej„Z e¨vsK wnmveavix bb Ggb MÖvnK ƒK eySv„e|
12
D„jøL¨, Occasional Transaction Gi g„a¨ Wire Transfer mn mKj ai„bi ƒjb„`b AšÍfy©³ n„e|
13
Òe¨vs„Ki mš‘wó mv„c„ÿÓ ej„Z we`¨gvb wb„`©kbvi Av„jv„K MÖvn„Ki SuzwK we„ePbvq wb„q cքqvRbxq 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|

6
 (L) AvcvZt`wó„Z hw` „Kv„bv e¨w³ hw` „Kv„bv MÖvnK„K cÖZ¨ÿ ev c„ivÿfv„e wbqš¿Y/cÖfvweZ K„i
ƒm ƒÿ„Î D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki„Z n„e; Ges
(M) „Kv¤úvbxi ƒÿ„Î wnmv„ei cÖKZ myweav„fvMxi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY
Ki„Z n„e; G„ÿ„Î, whwb/hv„`i D³ ƒKv¤úvbxi Dci wbqš¿Y„hvM¨ ¯^v_©
(Controlling/ownership14interest) i„q„Q, wZwb/Zviv wnmv„ei cÖKZ myweav„fvMx e„j
we„ewPZ n„eb|
(N) Dchy©³ L-M `dvi wb„`©kbv c~iYK„í „Kv„bv e¨w³ (Natural Person) wPwýZ Kiv m¤¢e bv n„j
cÖavb wbev©nx Kg©KZ©vi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki„Z n„e|

3.4 MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v (Simplified Customer Due Diligence) :
(K) IqvK-Bb-Kv÷gvi (Walk-in Customer) KZ©K Abya© 50,000/-(cÂvk nvRvi) UvKv
ƒjb„`„bi ƒÿ„Î ƒcÖiYKvix/Av„e`bKvix I cÖvcK/„ewbwdwmqvixi bvg I wVKvbv Ges
ƒcÖiYKvix/Av„e`bKvixi ƒUwj„dvb b¤^i msMÖn Ki„Z n„e|
(L) Dc„iv³ Aby„”Q„` ewY©Z ƒjb„`b 50,000/-(cÂvk nvRvi) Gi AwaK ev 5,00,000/- (cvuP
jÿ) Gi bx„P n„j ewY©Z Z_¨vw`i cvkvcvwk ƒcÖiYKvix ev Av„e`bKvix ev RgvKvix ev
D„ËvjbKvixi Qwehy³ AvBwW msMÖn Ki„Z n„e|
(M) Avw_©K AšÍ©fyw³i (Financial Inclusion) D„Ï„k¨ wb¤œSzuwK m¤úbœ wnmve „Lvjv ev cwiPvjbvi
„ÿ„Î (¯ˆzj Qv„Îi wnmve, K‚l„Ki wnmve Ges Ab¨vb¨ No-Frill Account15) MÖvnK m¤úwK©Z
mnRZi mZK©Zvg~jK e¨e¯’v MÖnY Kiv hv„e|

3.5 CDD msµvšÍ Ab¨vb¨ wb‡`©kbv:

(1) cÖwZwU e¨vsK MÖvn„Ki wnmve ƒLvjvi ƒÿ„Î weGdAvBBD KZ©K RvixK‚Z Awfbœ wnmve ƒLvjvi di„gi
Av„jv„K cÖYxZ wbR¯^ dig e¨envi Ki„e| MÖvnK cwiwPwZ Ges CDD h_vh_fv„e m¤úv`bc~e©K Z_¨ I
`wjjvw` msiÿY Ki„e;
(2) GKB e¨vs„K GKB MÖvn„Ki GKvwaK wnmve cwiPvwjZ n„j MÖvnK cwiwPwZi cybivewË cwinvi I ƒjb„`b
gwbUwis Gi myweav„_© e¨vsK D³ MÖvn„Ki Rb¨ GKwU Unique Customer Identification Code
(UCIC) eivÏ Ki„e| D³ UCIC MÖvnK I e¨vsK KZ©K MÖvnK„K cÖ`Ë mKj cÖKvi ƒmev wPwýZKiY
(track) Ges c~Y©v½fv„e Avw_©K ƒjb„`b gwbUwis-Gi ƒÿ„Î mnvqZv Ki„e;
(3) e¨vsK Mªvn„Ki wnmv„ei ƒjb„`„bi AbywgZ gvÎv (Transaction Profile) m¤ú„K© MÖvn„Ki ƒNvlYv
wba©vwiZ di„g msMÖn Ki„e| MÖvn„Ki cÖK‚wZ, „ckv, wnmv„ei A„_©i Drm I ƒjb„`„bi aiY
ch©v„jvPbvc~e©K e¨emvwqK m¤úK© ¯’vc„bi 6(Qq) gvm c„i MªvnK KZ©K m¤úvw`Z ƒjb„`„bi h_v_©Zv

14
A controlling ownership interest depends on the ownership structure of the company. It may be based on a threshold, e.g.
any person owning more than a certain percentage of the company (e.g. 20%).
15
'No Frills 'account is a basic banking account. Such account requires either nil minimum balance or very low minimum
balance. Charges applicable to such accounts are low. Services available to such account is limited.

7
 wbi€cYc~e©K cքqvRbxq ms„kvabx mv„c„ÿ ƒjb„`„bi AbywgZ gvÎv e¨vsK wb„RB wbav©iY Ki„e| Z„e
wnmve ƒLvjvi mgq MÖvnK KZ©K cÖ`Ë ƒjb„`„bi AbywgZ gvÎv Ges 6(Qq) gv„mi cÖK‚Z ƒjb„`b
D„jøL¨„hvM¨ nv„i ew×i ƒÿ„Î MÖvn„Ki mv„_ Av„jvPbvc~e©K „jb„`„bi AbywgZ gvÎv ms„kvab Ki„e Ges
cքhvR¨ ƒÿ„Î m„›`n n„j m„›`nRbK ƒjb„`b/Kvh©µg wi„cvU© Ki„e;
(4) „KIqvBwm cÖwµqvq MÖvnK m¤úwK©Z cÖvß Z_¨mg~n nvjbvMv`KiY GKwU Pjgvb cÖwµqv| G„ÿ„Î, Awfbœ
wnmve ƒLvjvi di„g DwjøwLZ gvb`„Ûi Av„jv„K wbi€wcZ wb¤œ SuywK m¤úbœ MÖvn„Ki ƒÿ„Î 05 (cvuP) eQi
Ges D”P SuywK m¤úbœ MÖvn„Ki ƒÿ„Î 01 (GK) eQi ci ci nvjbvMv`KiY cÖwµqv m¤úbœ Ki„Z n„e|
MÖvn„Ki cwiwPwZg~jK Z„_¨i ƒh „Kv„bv cwieZ©b16 AeMZ nIqvi mv„_ mv„_B Zv nvjbvMv` Ki„Z n„e|
GQvov wbw`©ó „Kv„bv cքqvRb Abyf~Z n„j ƒh „Kv„bvmg„qB MÖvn„Ki cwiwPwZg~jK Z_¨ nvjbvMv` Kiv
hv„e| nvjbvMv`K‚Z Z„_¨i wfw˄Z cybivq Awej„¤^ Gme wnmv„ei SuywK wbY©q Ki„Z n„e;
(5) GwcÖj 30, 2002 Zvwi„Li c~„e© ƒLvjv ƒh mKj wnmv„ei KYC cÖwµqv m¤úbœ Kiv m¤¢e nqwb ƒm 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 e¨e¯’vc„Ki wbKU wjwLZ Av„e`„bi ƒcÖwÿ„Z
e¨vsK KZ©K D³ Mªvn„Ki KYC cÖwµqv m¤úbœ mv„c„ÿ MÖvnK wnmvewU„Z ¯^vfvweK ƒjb„`b m¤úv`b
Ki„Z cvi„eb| gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb Gi€c myß wnmv„ei Z_¨ msiÿY
Ki„e; Ges
(6) „Kv„bv we„`kx ev Awbevmx evsjv„`kx„`i wnmve ƒLvjvi ƒÿ„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|

3.6 CDD m¤úv`b Kiv m¤¢e bv n‡j e¨vs‡Ki KiYxq :

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¤œi€c e¨e¯’v
MÖnY Ki„e :
(1) e¨vsK D³i€c MÖvn„Ki wnmve Lyj„e bv ev ƒjb„`b Ki„e bv A_ev cքqvR„b we`¨gvb wnmve eÜ K„i w`„e;
(2) we`¨gvb Gi€c wnmve eÜ Kivi „ÿ„Î EaŸ©Zb Kg©KZ©vi 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 ƒbvwUk cÖ`vb Ki„Z n„e;
(3) kvLv Dchy©³ wnmve bv ƒLvjv ev eÜ Kiv msµvšÍ Z_¨ msiÿYc~e©K gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva
wWwfkb/wefv„M ƒcÖiY Ki„e| cքqvR„b gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb Gme Z_¨
Ab¨vb¨ mKj kvLvi AeMwZ„Z Avb„e; Ges
(4) ƒÿÎgZ, Gi€c MÖvn„Ki wel„q m„›`nRbK ƒjb„`b/Kvh©µg wi„cvU© `vwLj Ki„Z n„e|

16
cwieZ©b ej„Z MÖvn„Ki ƒckv/e¨emv„qi cwieZ©b, gvwjKvbvi cwieZ©b, ƒjb„`„bi c¨vUvb© cwieZ©b, wgwWqv wi„cvU© BZ¨vw` welq„K we„ePbv
Ki„Z n„e|

8
3.7 MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v (Enhanced Due Diligence--EDD) :
e¨vsK KZ©K wbi€wcZ D”P SzuwK m¤úbœ (High Risk) MÖvn„Ki ƒÿ„Î wb¤œi€„c MÖvnK m¤úwK©Z AwaKZi
mZK©Zvg~jK e¨e¯’v ev EDD MÖnY Ki„Z n„e :
(1) wbi„cÿ I wbf©i„hvM¨ Drm (Independent and reliable sources) „_„K MÖvnK cwiwPwZ m¤úwK©Z
AwZwi³ Z_¨vw` msMÖn Ki„Z n„e;
(2) wnmve ƒLvjvi D„Ïk¨, wnmv„ei A_© ev m¤ú„`i Drm Rvbvi Rb¨ AwaKZi e¨e¯’v MÖnY Ki„Z n„e;
(3) cքhvR¨„ÿ„Î, e¨vs„Ki cÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZv©i Aby„gv`b MÖnY; Ges
(4) Zv„`i wnmv„ei ƒjb„`b wbqwgZfv„e AwaKZi gwbUi Ki„Z n„e|

3.8 cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons --PEPs) Gi †ÿ‡Î KiYxq:
PEPs17 Gi wnmve „Lvjv I cwiPvjbvq cքhvR¨ ƒÿ„Î, G mvK©yjv„ii (3.2) - (3.5) b¤^i Aby„”Q„` ewY©Z cքhvR¨
wb„`©kbv Abymi„Yi cvkvcvwk wb„gœ ewY©Z e¨e¯’vw` MÖnY Ki„Z n„e :
(1) e¨vsK„K Zv„`i MÖvnK ev wnmv„ei cÖK‚Z myweav„fvMx PEPs wKbv Zv wbav©iY Kivi Rb¨ Dchy³ c×wZ MÖnY
(ƒhgbt Db¥y³ Z„_¨i Drm, wewfbœ WvUv„eR e¨envi BZ¨vw`) Ki„Z n„e;
(2) PEPs Gi mv„_ e¨emvwqK m¤úK© ¯’vcb ev we`¨gvb m¤úK© Ae¨vnZ ivLvi „ÿ„Î e¨vs„Ki cÖavb
gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©vi Aby„gv`b wb„Z n„e;
(3) GQvovI G mvKz©jv„ii 3.7 Aby„”Q„`i (1) n„Z (4) G ewY©Z MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK
e¨e¯’v MªnY Ki„Z n„e; Ges
(4) PEPs Gi cwiev„ii m`m¨ I Zv„`i mv„_ wbweofv„e m¤úwK©Z e¨w³i (close associates) „ÿ„ÎI
Dc„i DwjøwLZ wb„`©kbvmg~n cքhvR¨ n„e| G Aby„”Q„` DwjøwLZ Ô PEPsÕ wn„m„e „Kv„bv ga¨g ev Aat¯Íb
(Middle ranking or more junior individuals) ch©v„qi e¨w³ we„ewPZ n„eb bv|

3.9 cÖfvekvjx e¨w³i (Influential Persons:IPs) †ÿ‡Î KiYxq :

„Kvb cÖfvekvjx e¨w³i (Influential Persons:IPs)18 wnmve „Lvjv I cwiPvjbv D”P SzuwK m¤úbœ n„j G
mvK©yjv„ii 3.7 Aby„”Q„`i (1) n„Z (4) G ewY©Z hveZxq wb„`©kbv AbymiY Ki„Z n„e|

3.10 AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î KiYxq :

„Kvb AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v„qi Kg©KZ©vi19 wnmve „Lvjv I cwiPvjbv D”P SzuwK m¤úbœ n„j G
mvK©yjv„ii 3.7 Aby„”Q„`i (1) n„Z (4) G ewY©Z hveZxq wb„`©kbv AbymiY Ki„Z n„e|

17
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|
18
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|

9
3.11 K‡imc‡Û›U e¨vswKs20 (Correspondent Banking) Gi †ÿ‡Î KiYxq :
e¨vswKs e¨e¯’v hv„Z gvwbjÛvwis ev mš¿vmx Kv„h© A_©vq„b e¨eüZ n„Z bv cv„i ƒmRb¨ AvšÍt„`kxq K„imc„Û›U
e¨vswKs (Cross Border Correspondent Banking) m¤úK© ¯’vcb Ges Zv Ae¨vnZ ivLvi ƒÿ„Î wb„gœi
wb„`©kbvmg~n Avewk¨Kfv„e cwicvjbxq n„e :
(1) K„imc„Û›U e¨vswKs „mev cÖ`v„bi c~„e© cwiwkó-ÔKÕ ƒgvZv„eK Z_¨vw` msMÖnc~e©K K„imc„Û›U ev
ƒimc„Û›U e¨vs„Ki e¨emv„qi cÖK‚wZ m¤ú„K© wbwðZ n„q cÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©vi
Aby„gv`b MÖnY Ki„Z n„e| cքhvR¨„ÿ„Î, cwiwkó-ÔKÕ ƒgvZv„eK Z_¨vw`i AwZwi³ wn„m„e Db¥y³ Drm
(Open Source) n„ZI cքqvRbxq Z_¨ msMÖn Ki„Z n„e;
(2) K„imc„Û›U ev ƒimc„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 ƒKejgvÎ „Kv„bv we„`kx e¨vs„Ki mv„_ K„imc„Û›U e¨vswKs m¤úK© ¯’vcb Kiv
hv„e ev eRvq ivLv hv„e;
(3) „Kv„bv Shell Bank Gi mv„_ K„imc„Û›U e¨vswKs m¤úK© ¯’vcb Kiv hv„e bv ev eRvq ivLv hv„e bv;
(4) ƒh me K„imc„Û›U ev ƒimc„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 ƒmev cÖ`vb K„i Zv„`i mv„_ K„imc„Û›U e¨vswKs m¤úK© ¯’vcb Kiv hv„e bv ev
eRvq ivLv hv„e bv;
(5) „hme ƒ`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: dvBb¨vwÝqvj A¨vKkb Uv¯ˆ„dv„m©i cvewjK WKz„g„›U High Risk and Non-
Cooperative Jurisdictions wn„m„e ZvwjKvfy³ ƒ`k) ƒmme ƒ`„ki e¨vs„Ki mv„_ K„imc„Û›U e¨vswKs
m¤úK© ¯’vcb ev eRvq ivLvi e¨vcv„i MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki„Z n„e|
Gme e¨vs„Ki cÖK‚Z myweav„fvMx Ges gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb cÖwZ„iv„a Zv„`i bxwZ I c×wZ
m¤ú„K© we¯ÍvwiZ Z_¨ msMÖn Ki„Z n„e;
(6) ƒh mKj ƒimc„Û›U e¨vsK Zv„`i MÖvnK„`i„K K„imc„ÛU e¨vs„Ki gva¨„g mivmwi ƒjb„`b m¤úv`b
Kivi my„hvM cÖ`vb K„i _v„K (A_©vr Payable through accounts21) Zv„`i mv„_ K„imc„Û›U e¨vswKs
m¤úK© ¯’vc„bi „ÿ„Î -
(K) ƒimc„Û›U e¨vsK KZ©K Zv„`i MÖvn„Ki CDD h_vh_fv„e m¤úv`b Kivi welqwU wbwðZ n„Z
n„e; Ges
(L) K„imc„ÛU e¨vs„Ki Aby„iv„ai ƒcÖwÿ„Z ƒimc„Û›U e¨vsK KZ©K mswkøó MÖvn„Ki CDD welqK
Z_¨vw` mieivn Kiv m¤¢e g„g© wbwðZ n„Z n„e|
(7) G mvKz©jv„i ewY©Z wb„`©kbvejx we`¨gvb mKj K„imc„Û›U e¨vswKs m¤úK© cybtg~j¨vq„bi ƒÿ„ÎI cքhvR¨
n„e|

19
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|
20
K„imc„Û›U e¨vswKs ej„Z „h „Kv„bv GK e¨vsK (K„imc„Û›U) KZ©K Ab¨ e¨vsK„K (ƒimc„Û›U) e¨vswKs ƒmev cÖ`vb„K eySv„e| Gi€c e¨vswKs ƒmev ej„Z
ƒµwWU, wW„cvwRU, Kv„jKkb, wK¬qvwis, ƒc„g›U, K¨vk g¨v„bR„g›U, AvšÍR©vwZK Aq¨vi UªvÝdvi, wWgvÛ WªvdU& Gi Rb¨ Wªwqs A¨v„iĄg›U ev Abyi€c Ab¨
„Kv„bv ƒmev cÖ`vb„K eySv„e|
21
ÒPayable through accountsÓ ej„Z ÒCorrespondent accounts that are used directly by third parties to transact business on their
own behalfÓ eySv„e|

10
3.12 G‡R›U e¨vswKs msµvšÍ wb‡`©kbv :
G„R›U e¨vswKs Kvh©µg cwiPvjbvi ƒÿ„Î mswkøó e¨vsKmg~n wb¤œi€c wb„`©kbv cwicvjb Ki„e :
(1) gvwbjÛvwis I mš¿v„m A_©vqb msµvšÍ mKj wb„`©kbv cwicvj„bi `vqfvi G„R„›Ui cvkvcvwk mswkøó
e¨vs„Ki Dci eZ©v„e;
(2) G„R›U Ges MÖvnK„`i wnmve „Lvjvi „ÿ„Î weGdAvBBD KZ©K RvixK‚Z Awfbœ wnmve ƒLvjvi dig
e¨envi;
(3) G„R›U I MÖvn„Ki m„›`nRbK ƒjb„`b ev Kvh©µg mbv³KiY I wi„cvU©Ki„Y m„PZb _vKv;
(4) G„R›U e¨vswKs msµvšÍ Kgcøv„qÝ ƒcÖvMÖv„gi g„a¨ gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva Kvh©µg AšÍfy©³
Kiv I G„R›U„`i Dchy³ cÖwkÿ„Yi e¨e¯’v Kiv Ges
(5) G„R›U wb„qvM I Zv„`i Kvh©µg gwbUwis Gi Rb¨ wb„¤œv³ c`„ÿc MÖnY Ki„Z n„e :
(K) G„R›U wbev©P„b h_vh_ hvPvB ev evQvB cÖwµqv (Screening Mechanism)22 AbymiYc~e©K
Zv„`i c~Yv©½ I mwVK cwiwPwZ wbwðZKiY;
(L) G„R›U„`i ƒjb„`„bi cwigvY I msL¨v, „f‡MwjK Ae¯’vb, e¨emvq I gvwjKvbvi cÖK‚wZ Ges
Ab¨vb¨ hyw³hy³ welqvejx we„ePbvq wb„q Zv„`i SzuwKi ¯Íi (D”P, ga¨g I wb¤œ) wba©viY Ges
wbi€wcZ SzuwKi ¯Íi we„ePbvq wb„q G„R›U„`i ƒjb„`b I Kvh©µg Z`viKxKiY;
(M) cÖwZôvb KZ‚©K SzuwKi ¯Íi wba©vi„Yi KvRwU wbqwgZfv„e (On-going) m¤úbœKiY;
(N) G„R›U„`i gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva msµvšÍ cwicvjb Ae¯’v hvPvBKiY;
(O) evwl©K wfw˄Z D”P SzuwK m¤úbœ G„R›U„`i gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva cwicvjb Ae¯’v
hvPvB„qi wbwg„Ë cwi`k©b/wbixÿv Kvh©µg cwiPvjbvKiY Ges G msµvšÍ cÖwZ„e`b gvwbjÛvwis I
mš¿v„m A_©vqb cÖwZ„iva wWwfkb/wefv„M ƒcÖiY;
(P) ga¨g I wb¤œ SzuwK m¤^wjZ G„R›U„`i cwi`k©b/wbixÿv Kvh©µg cÖwZôvb KZ©K wbav©wiZ weiwZ„Z
m¤úbœKiY;
(Q) G„R›U„`i nvjbvMv` (Rvbyqvwi-Ryb wfwËK) ZvwjKv wbR¯^ I„qemvB„U cÖKvk; Ges
(R) wewfbœ Awf„hvM/Awbq„gi wfw˄Z evwZjK‚Z G„R›U„`i GKwU Avjv`v ZvwjKv (Rvbyqvwi-Ryb
wfwËK) wbR¯^ I„qemvB„U cÖKvk|

3.12 Ab¨vb¨ wb‡`©kbv :

(1) e¨vsK KZ©K „Kv„bv MÖvnK„K Previlege e¨vswKs myweav cÖ`vb Kivi ƒÿ„Î CDD msµvšÍ Ab¨vb¨
wb„`©kbv Abymi„Yi cvkvcvwk MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki„Z n„e;
(2) „hme ƒ`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 : dvBb¨vwÝqvj A¨vKkb Uv¯ˆ„dv„m©i cvewjK WKz„g„›U High Risk and Non-

22
hvPvB cÖwµqv Gi g„a¨ wb„qv„Mi Rb¨ wbev©wPZ Kg©KZ©vi e¨w³MZ I Avw_©K Z_¨vejx Ges Acivag~jK Kv„Ri m¤ú³Zv Av„Q wKbv Zv hvPvB„qi
welqvejx AšÍfy©³ _vK„e|

11
 Cooperative Jurisdictions23 wn„m„e ZvwjKvfy³ ƒ`k) ƒmme ƒ`„ki „Kv„bv e¨w³ ev mËvi
(AvBbMZ cÖwZwbwa, Avw_©K cÖwZôvbmn ƒh „Kv„bv cÖwZôvb) mv„_ e¨emvwqK m¤úK© ¯’vcb I eRvq ivLv
Ges ƒjb„`b m¤úv`„bi „ÿ„Î MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki„Z n„e; Ges

3.13 mkix‡i Abycw¯’Z Mªvn‡Ki ( Non face to face customer) †ÿ‡Î KiYxq :
e¨vsK Zv„`i mkix„i Abycw¯’Z MÖvnK„K24 ƒmev cÖ`v„bi ƒÿ„Î gvwbjÛvwis I mš¿vmx Kv„h© A_©vq„bi SzuwK wbi€cY
Ges SzuwK wbim„bi bxwZ I c×wZ cÖYqb Ki„e Ges mgq mgq Zv ch©v„jvPbv Ki„e|

3.14 bZzb ‡mev ev cÖhyw³ MÖn‡Yi †ÿ‡Î KiYxq :

e¨vsK KZ©K cÖhyw³ wbf©i bZzb „Kv„bv „mev ev c×wZ (ƒhgb, B›Uvi„bU e¨vswKs, B„jKUªwbK KvW© BZ¨vw`) cÖPjb
ev cÖPwjZ ƒmev ev c×wZi Dbœq„bi ƒÿ„Î D³ „mev ev c×wZi gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb SzuwK wPwýZ
Ki„e, Zvi gvÎv wbi€cY Ki„e Ges Gi€c „mev ev c×wZ n„Z mó SuywK ƒgvKv„ejvi Rb¨ h_vh_ e¨e¯’v MªnY
Ki„e| D„jøL¨, Av„jvP¨ e¨e¯’vw` bZzbi€„c D™¢vweZ ƒmev ev c×wZi cÖPjb ev DbœqbK‚Z ƒmev ev c×wZi cÖPj„bi
c~„e©B MÖnY Ki„Z n„e|
3.15 †MvcbxqZv iÿv :
m„›`nRbK ƒjb„`b ev Kvh©µg mbv³KiY ev wi„cvU© Kivi mv„_ mswkøó Kg©KZ©vMY welqwUi K„Vvi ƒMvcbxqZv
wbwðZ Ki„eb| Ab¨_vq welqwU gvwbjÛvwis cÖwZ„iva AvBb, 2012, aviv 6(3) Gi AvIZvq kvw¯Í„hvM¨ e„j
we„ewPZ n„e| wewfbœ mg„q weGdAvBBD KZ©K hvwPZ ms„e`bkxj Z„_¨i h_vh_ ƒMvcbxqZv wbwðZ Ki„Z n„e|

4| we‡`‡k Aew¯’Z e¨vsK kvLv I mvewmwWqvix cÖwZôv‡bi †ÿ‡Î KiYxq :

(1) cÖwZwU e¨vsK we„`„k Aew¯’Z Zv„`i kvLv I mvewmwWqvix cÖwZôv„bi ƒÿ„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` „Kv„bv 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; Ges
(3) GB mvKz©jv„i ewY©Z wb„`©kbv evsjv„`k e¨vsK KZ©K jvB„mÝcÖvß „Kv„bv e¨vs„Ki Off-Shore
Banking Unit (OBU) ƒÿ„ÎI cքhvR¨ n„e|

23
http://www.fatf-gafi.org/publications/high-riskandnon-cooperativejurisdictions/?hf=10&b=0&s=desc(fatf_releasedate)
24
mkix„i Abycw¯’Z 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|

12
5| ‡jb‡`b gwbUwis :
„jb„`b gwbUwis m„›`nRbK ƒjb„`b mbv³Ki„Yi GKwU ¸iæZ¡c~Y© Dcvq weavq cÖwZwU e¨vsK ƒK AZ¨šÍ m„PZbZv
I mZK©Zvi mv„_ MÖvn„Ki ƒjb„`bmg~n gwbUi Ki„Z n„e| ƒjb„`b gwbUwis Gi ƒÿ„Î wb„¤œv³ welq¸„jv we„ePbv
Ki„Z n„e :
(1) cÖwZwU e¨vsK Mªvn„Ki ƒjb„`b wbqwgZ g¨vby„qj Ges/A_ev A„Uv„g„UW Dcv„q gwbUi Ki„e;
(2) mKj RwUj, A¯^vfvweK Ges AvcvZ`wó„Z ƒh mKj ƒjb„`„bi „Kv„bv Avw_©K ev `wóMÖvn¨ …ea D„Ïk¨ ƒbB
Gi€c ƒjb„`b AwaKZi ¸iæZ¡ mnKv„i gwbUi Ki„Z n„e;
(3) „jb„`b gwbUwis Gi ƒÿ„Î e¨vsKmg~n kvLvq gvwbjÛvwis cÖwZ„iva AvBb, 2012, aviv 2(d)(C) G ewY©Z
Kvh©µg (Structuring) msMwVZ n„”Q wKbv Zv mbv³Ki„Y m„Pó _vK„e Ges cքhvR¨ „ÿ„Î, G
mvKz©jv„i ewY©Z Aby„”Q` 7 Gi wb„`©kbv Abymv„i weGdAvBBD ƒZ wi„cvU© `vwLj Ki„e;
(4) „jb„`b gwbUwis Gi ƒÿ„Î mKj cÖKvi …e„`wkK gy`vª i ƒjb„`b Ges B„jKUªwbK Dcv„q msNwUZ mKj
ƒjb„`bmg~nI we„ePbv Ki„Z n„e; Ges
(5) „jb„`b gwbUwis Gi „ÿ„Î RvwZms„Ni wbivcËv cwil„`i mswkøó ƒiR¨yjykb Ges ƒhme ƒ`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 G msµvšÍ
welqvejx we„ePbvq wb„Z n„e|

6| bM` †jb‡`b wi‡cvU© (Cash Transaction Report-CTR) :

weGdAvBBD eive„i bM` ƒjb„`b `vwLj Kivi ƒÿ„Î e¨vsKmg~n wb„¤œv³ welqvejx AbymiY Ki„e :
(1) cÖwZwU e¨vsK kvLvmg~„ni c~e©eZ©x gv„mi …`bw›`b ƒjb„`b cixÿv K„i „Kv„bv GKwU wnmv„e „Kv„bv GKwU
wbw`©ó w`„b GK ev GKvwaK ƒjb„`„bi gva¨„g Rgv ev D„Ëvj„bi (AbjvBb, GwUGgmn „h „Kv„bv
ai„Yi bM` Rgv ev D„Ëvjb) cwigvY hw` 10(`k) jÿ UvKv ev Z`~aŸ© A„_©i ev mgg~„j¨i …e„`wkK
gy`vª q nq Z„e Zv ¯^ ¯^ gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb Gi gva¨„g gvwmK wfw˄Z
weGdAvBBD eive„i bM` ƒjb„`b wi„cvU© wn„m„e `vwLj Ki„e;
(2) cÖwZ gv„mi bM` ƒjb„`b wi„cvU© cieZx© gv„mi 21 Zvwi„Li g„a¨ goAML web e¨envi K„i goAML
Manual25 Gi wb„`©kbv „gvZv„eK `vwLj Ki„Z n„e;
(3) e¨vs„Ki „Kv„bv kvLvq Gi€c „Kv„bv ƒjb„`b msNwUZ bv n„j kvLv n„Z ÒbM` ƒjb„`b wi„cvU© ƒhvM¨ „Kv„bv
ƒjb„`b ƒbBÓ g„g© gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb„K AewnZ Ki„Z n„e| ÒbM`
ƒjb„`b wi„cvU©Ó `vwL„ji mgq gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb GmKj kvLvi GKwU
ZvwjKv ÒgoAML Message BoardÓ Gi gva¨„g weGdAvBBD„K AewnZ Ki„e;
(4) kvLv n„Z bM` ƒjb„`b wi„cvU© `vwLj Kivi c~„e© „jb„`bmg~n ch©v„jvPbv K„i „Kv„bv m„›`nRbK ƒjb„`b
msNwUZ n„q„Q wKbv Zv wPwýZ Ki„Z n„e I m„›`nRbK ƒjb„`b cwijwÿZ n„j c_Kfv„e Òm„›`nRbK
ƒjb„`b wi„cvU©Ó wn„m„e gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wWwfkb/wefv„M `vwLj Ki„Z n„e|
m„›`nRbK ƒjb„`b cwijwÿZ bv n„j bM` ƒjb„`b wi„cv„U©i mv„_ Òm„›`nRbK ƒjb„`b cvIqv hvqwbÓ
g„g© gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb„K AewnZ Ki„Z n„e;

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http://www.bb.org.bd/eservices.php I„qewjsK n„Z goAML mswkøó cքqvRbxq Document WvDb„jvW Kiv hv„e|

13
 (5) cքZ¨K e¨vsK kvLvi bM` ƒjb„`b wi„cvU© gvwmK wfw˄Z mswkøó kvLvq msiÿY Ki„Z n„e| Z„e „Kv„bv
e¨vsK KZ©K G msµvšÍ Z_¨ ƒK›`ªxqfv„e msiÿY Kiv n„j, we„kl cքqvR„b („jb„`b gwbUwis ev
wbqš¿YKvix KZ©c„ÿi wbKU `vwLj BZ¨vw`) Zv„Z kvLvi cքekvwaKvi _vK„Z n„e| G msµvšÍ Z_¨vw`
weGdAvBBD G `vwL„ji gvm n„Z Kgc„ÿ 5(cuvP) eQi msiÿY Ki„e;
(6) „hme e¨vsK „K›`ªxqfv„e wi„cvU©„hvM¨ bM` ƒjb„`b AvniY K„i, ƒm„ÿ„Î gvwbjÛvwis I mš¿v„m A_©vqb
cÖwZ„iva wefvM/wWwfkb e¨vs„Ki wi„cvU©„hvM¨ mKj bM` „jb„`b ch©v„jvPbv K„i „Kv„bv m„›`nRbK
ƒjb„`b msNwUZ n„q„Q wKbv Zv wPwýZ Ki„e I m„›`nRbK ƒjb„`b cwijwÿZ n„j c_Kfv„e
Òm„›`nRbK ƒjb„`b wi„cvU©Ó wn„m„e weGdAvBBD eivei `vwLj Ki„e| m„›`nRbK ƒjb„`b cwijwÿZ
bv n„j Òm„›`nRbK ƒjb„`b cvIqv hvqwbÓ g„g© cÖZ¨qb cÎ gvwmK ÒbM` ƒjb„`b wi„cvU©Ó `vwL„ji
mgq goAML Message Board Gi gva¨„g weGdAvBBD„K AewnZ Ki„e;
(7) miKvwi wnmve (wewfbœ gš¿Yvjq, ¯’vbxq miKvi I miKvix wewfbœ wefvM), miKvwi gvwjKvbvaxb cÖwZôvb,
Avav miKvwi ev ¯^vqËkvwmZ cÖwZôv„bi wnmv„e bM` Rgvi ƒÿ„Î bM` ƒjb„`b wi„cvU© `vwLj Kivi
cքqvRb n„e bv, Z„e bM` D„Ëvj„bi ƒÿ„Î h_vwbq„g bM` ƒjb„`b wi„cvU© `vwLj Ki„Z n„e; Ges
(8) AvšÍte¨vsK Ges AvšÍtkvLv bM` ƒjb„`„bi ƒÿ„Î bM` ƒjb„`b wi„cvU© `vwLj Kivi cքqvRb n„e bv|

7| m‡›`nRbK †jb‡`b wi‡cvU© (Suspicious Transaction Report-STR) :

weGdAvBBD eive„i m„›`nRbK ƒjb„`b `vwLj Kivi ƒÿ„Î e¨vsKmg~n wb„¤œv³ welqvejx AbymiY Ki„e :
(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 e¨vs„Ki mKj Kg©KZ©v MÖvn„Ki …`bw›`b ƒjb„`b ev Kvh©µ„g
m„›`nRbK ƒjb„`b mbv³Ki„Y m„PZb I mZK© _vK„eb;
(2) m„›`nRbK ƒjb„`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 „Kv„bv Kg©KZ©v KZ‚©K m„›`nRbK ƒjb„`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 ƒjb„`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 ƒjb„`b ev Kvh©µgwU m„›`nRbK wn„m„e we„ewPZ n„j
Zv Awej„¤^ cքqvRbxq `wjjvw`mn gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfk„b ƒcÖiY Ki„Z
n„e;
(4) gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb kvLv n„Z cÖvß m„›`nRbK ƒjb„`b ev Kvh©µgwU
h_vh_fv„e I cքqvRbxq Z_¨-DcvË ev `wjjvw` mwbœ„ewkZ K„i wi„cvU© Kiv n„q„Q wK bv Zv
ch©v„jvPbvc~e©K Awej„¤^ goAML web e¨envi K„i Ges goAML Manual Gi wb„`©kbv Abymv„i
weGdAvBBD eivei m„›`nRbK ƒjb„`b /Kvh©µg wi„cvU© `vwLj Ki„e;
(5) kvLv ch©v„q „Kv„bv ƒjb„`b ev Kvh©µg m„›`nRbK wn„m„e wPwýZ bv n„jI gvwbjÛvwis I mš¿v„m
A_©vqb cÖwZ„iva wefvM/wWwfkb KZ‚©K „Kv„bv ƒjb„`b ev Kvh©µg m„›`nRbK cÖZxqgvb n„j Zv
m„›`nRbK ƒjb„`b wi„cvU© wn„m„e weGdAvBBD eivei `vwLj Ki„Z n„e; Ges
(6) e¨vsKmg~n m„›`nRbK ƒjb„`b wi„cvU© Gi Z_¨vw` weGdAvBBD KZ©K cieZ©x wb„`©kbv bv ƒ`qv ch©šÍ
msiÿY Ki„e|

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8| ‡mî G¨v‡mm‡g›U26 I BwÛ‡c‡Û›U †Uw÷s27 :
gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb cÖwZ„iv„a GKwU Kvh©Kwi e¨e¯’v cÖwZôvi j„ÿ¨ e¨vs„Ki Af¨šÍixY wbixÿv
wefv„Mi gva¨„g kvLvmg~n n„Z cÖvß „mî G¨v„mm„g›U msµvšÍ cÖwZ„e`b we„kølY Ges Bwۄc„Û›U ƒUw÷s
h_vh_fv„e m¤úbœ Kivi Rb¨ D³ wefvMwU„Z Ggbi€c ch©vß „jvKej wbwðZ Ki„Z n„e hv„`i 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 :
(1) cÖwZwU kvLv KZ©K ƒmî G¨v„mm„g›U Gi Rb¨ wba©vwiZ ƒPKwjó (cwiwkó ÔLÕ) Gi Dci wfwË K„i
lvb¥vwmK wfw˄Z wb„R„`i kvLvi g~j¨vqb Ki„Z n„e;
(2) Av„jvP¨ g~j¨vqb cÖwZ„e`b P~ovšÍ Kivi c~„e© kvLv e¨e¯’vc„Ki mfvcwZ„Z¡ kvLvi mswkøó Kg©KZ©v„`i wb„q
mfv Ki„Z n„e| D³ mfvq kvLv g~j¨vqb cÖwZ„e`„bi Lmovi Dci Av„jvPbv Ki„Z n„e, wPwýZ mgm¨v
kvLv ch©v„q mgvavb Kiv m¤¢eci bv n„j kvLv KZ©K Awej„¤^ e¨e¯’v MÖnYc~e©K P~ovšÍ Ki„Z n„e Ges
P~ovšÍ cÖwZ„e`„b mycvwik wjwce× Ki„Z n„e| gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb cÖwZ„iva welqK
cieZ©x †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¨ „mî G¨v„mm„g›U msµvšÍ cÖwZ„e`b,
G wel„q kvLv KZ©K MnxZ/MnxZe¨ Kvh©µ„gi weeiY I mycvwikmn cÖavb Kvh©vj„qi Af¨šÍixY wbixÿv
wefvM I gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfk„b ƒcÖiY Ki„Z n„e |

8.2 Af¨šÍixY wbixÿv wefv‡Mi KiYxq :

(1) Af¨šÍixY wbixÿv wefvM KZ©K kvLvmg~n n„Z cÖvß „mî G¨v„mm„g›U msµvšÍ cÖwZ„e`b hvPvB K„i „Kv„bv
kvLvq „Kv„bv SuywKc~Y© welq cwijwÿZ n„j ZvrÿwYKfv„e kvLvwU cwi`k©„bi e¨e¯’v Ki„Z n„e Ges
welqwU gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb„K AewnZ Ki„Z n„e;
(2) Af¨šÍixY wbixÿv wefvM Zv„`i 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 Bwۄc„Û›U ƒUw÷s cÖwmwWDi Gi wba©vwiZ ƒPKwj„ói (cwiwkó
ÒMÓ) wfw˄Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb cÖwZ„iva Kvh©µg mswkøó welqvw` cixÿv
Ki„e I kvLvi „iwUs wbav©iYc~e©K 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 Bwۄc„Û›U
ƒUw÷s cÖwmwWDi Gi wba©vwiZ ƒPKwjó (cwiwkó ÒMÓ) Gi wfw˄Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx
Kv„h© A_©vqb cÖwZ„iva Kvh©µg msµvšÍ cwicvjbxq welqvw` cixÿv Ki„e I kvLvi „iwUs wbav©iYc~e©K
cÖwZ„e`b cÖYqb Ki„e;
(3) Af¨šÍixY wbixÿv wefvM cwi`wk©Z/wbixwÿZ kvLvmg~„ni ƒiwUs m¤^wjZ cÖwZ„e`„bi Kwc e¨vs„Ki
gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb eive„i ƒcÖiY Ki„e; Ges

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ƒmî G¨v„mm„g›U ej„Z G mvKz©jv„ii mv„_ mshy³ cwiwkó-L ƒgvZv„eK kvLv KZ©K wbR¯^ gvwbjÛvwis cÖwZ„iva cwicvjb Ae¯’v hvPvB
Kiv„K ƒevSv„e|
27
Bwۄc„Û›U ƒUw÷s ej„Z G mvKz©jv„ii mv„_ mshy³ cwiwkó-M ƒgvZv„eK e¨vs„Ki Af¨šÍixb wbixÿv wefvM KZ©K kvLvi gvwbjÛvwis
cÖwZ„iva cwicvjb Ae¯’v hvPvB Kiv„K ƒevSv„e|

15
 (4) G„R›U e¨vswKs Kvh©µ„g wb„qvwRZ e¨vsKmg~„ni ƒÿ„Î Af¨šÍixY wbixÿv wefvM Zv„`i G„R›U„`i
gvwbjÛvwis I mš¿vmx Kv„h© A_©vqb cÖwZ„iva Kvh©µg mswkøó welqvw`i cwicvjb Ae¯’v hvPvB„qi wbwg„Ë
evwl©K wfw˄Z b~¨bZg 10% G„R„›Ui Dci cwi`k©b/wbixÿv Kvh©µg cwiPvjbv Ki„e Ges GmsµvšÍ
cÖwZ„e`„bi Kwc gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfk„b ƒcÖiY Ki„e|

8.3| gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wWwfkb/wefv‡Mi KiYxq :

(1) gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb kvLvmg~n n„Z cÖvß „mî G¨v„mm„g›U msµvšÍ
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 ƒPKwj÷ wfwËK g~j¨vqb cÖwZ„e`b28 cÖ¯‘Z Ki„e| D³
cÖwZ„e`„b Ab¨vb¨ wel„qi mv„_ Avewk¨Kfv„e wb„gœi welqmg~n AšÍf©y³ _vK„e :
(K) „gvU kvLvi msL¨v Ges kvLv n„Z cÖvß ƒgvU „mî G¨v„mm„g›U msµvšÍ cÖwZ„e`„bi 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¤^i);
(M) cÖvß „mî G¨v„mm„g›U msµvšÍ cÖwZ„e`„b AwaK msL¨K kvLvq GKB ai„bi ƒh mKj Awbq„gi
welq D„jøL i„q„Q Zv D„jøLc~e©K H mKj Awbqg ƒiv„a gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva
wefvM/wWwfkb KZ©K M‚nxZ e¨e¯’v;
(N) Af¨šÍixY wbixÿv wefvM KZ©K `vwLjK‚Z cÖwZ„e`„b DwjøwLZ mvaviY I we„kl Awbqgmg~n Ges
H mKj Awbqg ƒiv„a gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wefvM/wWwfkb KZ©K M‚nxZ e¨e¯’v; Ges
(O) cÖvß wi„cv„U© ÒAm„šÍvlRbKÓ I ÒcÖvwšÍKÓ wn„m„e g~j¨vwqZ kvLvmg~„ni cwicvjb wbwðZKiY I
ƒiwUs DbœqbK„í MnxZ e¨e¯’v|

(2) kvLvmg~n n„Z cÖvß „mî G¨v„mm„g›U msµvšÍ cÖwZ„e`b hvPvB K„i „Kv„bv kvLvq „Kv„bv SuywKc~Y© welq
cwijwÿZ n„j ZvrÿwYKfv„e kvLvwU cwi`k©b ev Af¨šÍixY wbixÿv wefv„Mi gva¨„g cwi`k©„bi e¨e¯’v
Ki„Z n„e Ges welqwU Dchy³ KZ©c„ÿi bR„i Avb„Z n„e|
9| Aq¨vi UªvÝdvi (Wire transfer) :
ÒAq¨vi UªvÝdvi (Wire transfer)Ó ej„Z Ggb Avw_©K ƒjb„`b„K eySv„e hv„Z „Kv„bv Av„e`bKvix e¨w³ ev
cÖwZôv„bi Aby„iv„a „Kv„bv e¨vsK ev Avw_©K cÖwZôvb B„j±ªwbK gva¨g e¨envi K„i Aci „Kv„bv e¨vsK ev
cÖwZôv„bi kvLvi mnvqZvq ƒewbwdwkqvwi e¨w³ ev cÖwZôvb„K A_© cÖ`vb K„i|
9.1 mKj ai‡bi Aq¨vi UªvÝdv‡ii †ÿ‡Î wb‡¤œv³ Z_¨vejx MÖnY wbwðZ Ki‡Z n‡e :
(1) AvšÍt‡`kxq Aq¨vi UªvÝdvi29 :
(K) mvaviY ev we„kl AbygwZi AvIZvq Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev
mgg~„j¨i …e„`wkK gy`vª q AvšÍt„`kxq Aq¨vi UªvÝdv„ii ƒÿ„Î Av„e`bKvixi30 mwVK31 Z_¨

28
G mvKz©jv„ii Aby„”Q` 1.3(3) G DwjøwLZ cÖwZ„e`„bi Abyi€c|
29
ÒAvšÍt„`kxq Aq¨vi UªvÝdvi (Cross-border wire transfer)Ó ej„Z Gi€c Avw_©K ƒjb„`b„K eySv„e ƒh „ÿ„Î Av„e`bKvix Ges
ƒewbwdwkqvix wfbœ wfbœ ƒ`„k Ae¯’vb K„i| ZvQvov ci¯úi m¤úK©hy³ GKvwaK UªvÝdv„ii „ÿ„Î b~¨bc„ÿ GKwU ƒjb„`b ƒ`„ki evB„i
m¤úvw`Z n„j ZvI AvšÍt„`kxq Aq¨vi UªvÝdvi g„g© MY¨ n„e|

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 msMÖn, msiÿY Ges D³ Z_¨ B›UviwgwWqvwi/„ewbwdwkqvwi e¨vs„K ƒcÖiY Ki„Z n„e| GQvovI
ewY©Z mxgvi bx„Pi ƒjb„`bmg~„ni ƒÿ„Î Av„e`bKvixi Gi€c msiÿY Ki„Z n„e hv„Z
Av„e`bKvix„K mbv³ Kiv m¤¢e nq;
(L) AvšÍt„`kxq Aq¨vi UªvÝdv„ii A_© ƒewbwdwkqvwi32„K cÖ`v„bi ƒÿ„Î ƒewbwdwkqvwi m¤úwK©Z Z_¨
msiÿY Ki„Z n„e; Ges
(M) ƒh mKj ƒÿ„Î GKK Av„e`bKvix KZ©K GKvwaK AvšÍt„`kxq Aq¨vi UªvÝdv„ii gva¨„g GKvwaK
ƒewbwdwmqvwii AbyK„j e¨vP dvB„j ¸”QvKv„i (Bundled in a batch file) ƒcÖiY Kiv nq „m
mKj ƒÿ„Î e¨vP dvB„j Av„e`bKvixi mwVK I ƒewbwdwmqvixi c~Y©v½ Z_¨ AšÍf©y³ Ki„Z n„e|
GQvov, Av„e`bKvixi wnmve b¤^iI G„ÿ„Î e¨vsK AšÍf©y³ Ki„e|

(2) Af¨šÍixY Iq¨vi UªvÝdvi33 :

(K) e¨vsK KZ‚©K m¤úvw`Z Af¨šÍixY Aq¨vi UªvÝdv„ii ƒÿ„Î Av„e`bKvix ev ƒewbwdwkqvwii cwiwPwZ
msµvšÍ Z_¨ MÖnY I hvPvB„qi ƒÿ„Î G mvKz©jv„ii Aby„”Q` 3 G ewY©Z cքhvR¨ wb„`©kbvmg~n
cwicvjb Ki„Z n„e;
(L) ƒWweU ev ƒµwWU KvW© e¨envi K„i Aq¨vi UªvÝdv„ii ƒÿ„Î (cY¨ I ƒmev µq e¨ZxZ) cwi„kva
msµvšÍ BÝUªvKkb/evZ©vq Dc„ii 2(K) Gi Abyi€c Z_¨ msiÿY Ki„Z n„e; Ges
(M) miKvwi/AvavmiKvwi/¯^vqËkvwmZ cÖwZôv„bi AbyK„j Aq¨vi UªvÝdv„ii „ÿ„Î Dchy©³
wb„`©kbvmg~„ni cwicvjb eva¨Zvg~jK bq| AvšÍte¨vsK ƒjb„`b Kvh©µ„gi ƒÿ„Î Dc„ii 2(K)
`dvq ewY©Z wb„`©kbv cwicvjb Ae¨vnwZ„hvM¨ we„ewPZ n„e|

9.2 Aq¨vi UªvÝdvi msµvšÍ Ab¨vb¨ wb‡`©kbv :

(1) GZ`&mswkøó Kvh©µg cwiPvjbvKv„j mswkøó mKj cÿ„K Avewk¨Kfv„e evsjv„`k e¨vsK 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; Ges
(2) AvšÍt„`kxq Aq¨vi UªvÝdvi Ges Af¨šÍixY Aq¨vi UªvÝdv„ii ƒÿ„Î G mvKz©jv„ii 2(3) Ges 10 b¤^i
Aby„”Q„` ewY©Z wb„`©kbvi cwicvjb Ki„Z n„e|

9.3 AW©vwis, B›UviwgwWqvix I ‡ewbwdwkqvwi e¨vs‡Ki KiYxq :

30
ÒAv„e`bKvix (Applicant/originator)Ó ej„Z Ggb „Kv„bv 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|
31
Av„e`bKvixi mwVK Z_¨ ej„Z Av„e`bKvixi bvg Ges wVKvbv ev RvZxq cwicÎ ev Rb¥ZvwiL m¤úwK©Z Gi€c Z_¨„K ƒevSv„e hvi mwVKZv
hvPvB Kiv n„q„Q|
32
҄ewbwdwkqvix (Beneficiary)Ó ej„Z Ggb „Kv„bv e¨w³ ev cÖwZôvb„K (wnmveavix wKsev wnmveavix bb) eySv„e hvi AbyK„j A_© ƒcÖiY Kiv
nq|
33
ÒAf¨šÍixb Aq¨vi UªvÝdvi (Domestic wire transfer)Ó ej„Z Gi€c ƒjb„`b„K eySv„e ƒh„ÿ„Î Av„e`bKvix I „ewbwdwkqvix GKB ƒ`„k
Ae¯’vb K„i| G„ÿ„Î ci¯úi m¤úK©hy³ GKvwaK UªvÝdv„i e¨eüZ cÖwµqv Ab¨ „Kv„bv ƒ`„k m¤úbœ n„jI Zv Af¨šÍixY Aq¨vi UªvÝdvi g„g©
MY¨ n„e|

17
 (1) AW©vwis e¨vsK : AW©vwis e¨vsK„K Aq¨vi UªvÝdvi msµvšÍ ƒjb„`„bi ƒÿ„Î Av„e`bKvixi mwVK Ges c~Y©v½
Z_¨ wbwðZ Ki„Z n„e| GQvov AW©vwis e¨vsK„K ƒewbwdwkqvwii A_©en Z_¨ msMÖn Ki„Z n„e| Gme
Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki„Z n„e Ges Dchy³ KZ©c„ÿi Aby„iv„a Zv Awej„¤^ mieivn
Ki„Z n„e|
(2) B›UviwgwWqvix e¨vsK :
(K) AvšÍt„`kxq Ges Af¨šÍixY Dfq ai„bi Aq¨vi UªvÝdv„ii ƒÿ„Î AW©vwis e¨vsK I ƒewbwdwkqvwi
e¨vs„Ki gv„S „Kv„bv e¨vsK ƒh „Kv„bv ai„Yi B›UviwgwWqvix wn„m„e Kvh© m¤úv`bKv„j D³ e¨vsK
KZ©K Av„e`bKvix Ges ƒewbwdwkqvwi m¤úwK©Z Z_¨vw` msiÿY wbwðZ Ki„Z n„e| Av„e`bKvix
Ges ƒewbwdwkqvwi m¤úwK©Z Ach©vß Z_¨vw` wPwýZ Kivi Rb¨ h_vh_ e¨e¯’v MÖnY Ki„e| GQvovI
AW©vwis e¨vsK (cքhvR¨ ƒÿ„Î Ab¨ „Kv„bv 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; Ges
(L) cÖwZwU B›UviwgwWqvix e¨vsK KZ©K Aq¨vi UªvÝdvi m¤úv`„bi ƒÿ„Î Av„e`bKvix ev ƒewbwdwkqvwii
Z„_¨i Afv„e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cքqvRbxq d„jvAvc
Kvh©µ„gi Rb¨ mswkøó e¨vs„K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK„Z n„e|

(3) ‡ewbwdwkqvwi e¨vsK :

(K) Aq¨vi UªvÝdvi msµvšÍ ƒjb„`b Kvh©µ„g RwoZ „ewbwdwkqvwi e¨vsK„K Av„e`bKvixi ev
ƒewbwdwkqvwii c~Y©v½ Z„_¨i „Kv„bv NvUwZ Av„Q wK bv Zv hvPvB Kivi Rb¨ GKwU SzuwKwfwËK
c×wZi cÖeZ©b Ki„Z n„e| ƒewbwdwkqvwii c~Y©v½ Z„_¨i „Kv„bv NvUwZ A_ev cwiwPwZ hvPvB bv
Kiv n„q _vK„j {Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev mgZzj¨ cwigvY
…e„`wkK gy`vª i ƒjb„`„bi ƒÿ„Î} cքqvRb„ev„a mswkøó cÿmg~n cvi¯úwiK ƒhvMv„hv„Mi gva¨„g ev
Ab¨vb¨ m~Î e¨envi K„i Z_¨ msMÖn Ki„e ev cwiwPwZ hvPvB Ki„e| cÖvcK/ ƒewbwdwkqvix„K A_©
cwi„kv„ai mgq „ewbwdwkqvwi e¨vsK„K cÖvcK/ ƒewbwdwkqvwii c~Y©v½ I mwVK Z_¨ msMÖn I mswkøó
Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki„Z n„e; Ges
(L) cÖwZwU ƒewbwdwkqvwi e¨vsK KZ©K Aq¨vi UªvÝdvi m¤úv`„bi ƒÿ„Î Av„e`bKvix ev ƒewbwdwkqvwii
Z„_¨i Afv„e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cքqvRbxq d„jvAvc
Kvh©µ„gi Rb¨ mswkøó e¨vs„K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK„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
RvwZms„Ni wbivcËv cwil„`i mš¿vmx Kv„h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív„i A_©vqb msµvšÍ
ƒiRyjykbmg~„ni ev¯Íevq„bi Rb¨ wb„¤œv³ c`„ÿc MÖnY Ki„e :
(1) cքZ¨K e¨vsK cwiPvjbv cl©„`i Aby„gv`bµ„g mš¿vmx Kv„h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív„i
A_©vqb msµvšÍ ƒjb„`b cÖwZ„iva I mbv³ Kivi j„ÿ¨ GKwU c×wZ cÖwZôv Ki„e, e¨vs„Ki Kg©KZ©v„`i
`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 cwicvjb Kiv n„”Q wKbv Zv wbwðZ Ki„e;

18
 (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 „Kv„bv e¨w³ ev mËvi „Kv„bv 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„`i wewfbœ ƒiRyjyk„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 „Kv„bv e¨w³ ev mËv Ges evsjv„`k
miKvi KZ©K ZvwjKvfy³ „Kv„bv e¨w³ ev wbwl× ƒNvwlZ mËvi nvjbvMv` Z_¨ B„j±ªwbK c×wZ„Z msiÿY
Ki„e| RvwZms„Ni wbivcËv cwil„`i wewfbœ ƒiRyjyk„bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv Ges
evsjv„`k miKvi KZ©K ZvwjKvfy³ „Kv„bv e¨w³ ev wbwl× ƒNvwlZ mËvi msÁv G mvKz©jv„ii 2(2)
Aby„”Q„` cÖ`vb Kiv n„q„Q;
(4) cÖwZwU e¨vsK RvwZms„Ni wbivcËv cwil„`i „Kv„bv ƒiRyjyk„bi AvIZvq ev evsjv„`k miKvi KZ©K
ZvwjKvfz³ ev wbwl× ƒNvwlZ „Kv„bv e¨w³ ev mËvi bv„g A_ev cÖZ¨ÿ ev c„ivÿfv„e Zv„`i wbqš¿Yvaxb
A_ev „Kv„bv mn„hvMx e¨w³ ev mËvi bv„g e¨vsK wnmve i„q„Q wKbv ev „Kv„bv ƒjb„`b msNwUZ n„q„Q
wKbv Zv wPwýZ Kivi Rb¨ wbqwgZ „jb„`b gwbUi Ki„e Ges cքqvR„b ƒjb„`b ch©v„jvPbv Ki„e I
False Positive34 msµvšÍ Z_¨ msiÿY Ki„e| ZvwjKvfz³ ev wbwl× ƒNvwlZ „Kv„bv e¨w³ ev mËv A_ev
cÖZ¨ÿ ev c„ivÿfv„e Zv„`i wbqš¿Yvaxb A_ev „Kv„bv mn„hvMx e¨w³ ev mËvi „Kv„bv e¨vsK wnmve ev
ƒjb„`b35 wPwýZ nIqvi mv„_ mv„_ mswkøó e¨vsK D³ wnmv„ei „jb„`b ev ƒjb„`bwU ¯’wMZ K„i cieZx©
Kg© w`e„mi g„a¨ G welqK we¯ÍvwiZ Z_¨ weGdAvBBD„K AewnZ Ki„e; Ges
(5) RvwZms„Ni wbivcËv cwil` KZ‚©K MnxZ ƒiRyjykb 1373 (2001) Gi AvIZvq we„`kx miKvi ev
we„`kx GdAvBBD Gi Aby„iv„a weGdAvBBD n„Z „cÖwiZ ev D³ ƒiRyjyk„bi AvIZvq evsjv„`k miKvi
KZ©K ZvwjKvfy³ ev wbwl× ƒNvwlZ „Kv„bv e¨w³ ev mËvi mv„_ e¨vsK wnmve ev Ab¨ „Kv„bv m¤úK© i„q„Q
wKbv Zv wPwýZ Kivi Rb¨ e¨vsK wbqwgZ „jb„`b gwbUi Ki„e Ges cքqvR„b ƒjb„`b ch©v„jvPbv Ki„e|
ZvwjKvfz³ ev wbwl× ƒNvwlZ „Kv„bv e¨w³ ev mËvi „Kv„bv e¨vsK wnmve wPwýZ nIqvi mv„_ mv„_ mswkøó
e¨vsK D³ wnmv„ei „jb„`b ¯’wMZ K„i cieZx© Kg© w`e„mi g„a¨ we¯ÍvwiZ Z_¨ weGdAvBBD„K AewnZ
Ki„e|

11| wb‡qvM I cÖwkÿY :

11.1 wb‡qvM :
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¨ Kg©KZ©v/Kg©Pvix
wb„qv„Mi ƒÿ„Î e¨vsKmg~n wb„¤œv³ welqvejx we„ePbv Ki„e :
(1) wb„qvM cÖwµqvq h_vh_ hvPvB cÖwµqv (Screening Mechanism) AbymiY Ki„e; Ges
(2) gvwbjÛvwis I mš¿v„m A_©vqb cÖwZ„iva wWwfkb/wefv„M Dchy³ msL¨K mg¨K wel„q `ÿ Kg©KZ©vi c`vqb
Ki„e|

34
False positive means a situation whereby a freeze action is taken on the basis of available information and upon further
inquiry and receipt of additional clarifying information, such freeze action is determined not to be the correct course of
action. An example is a freeze action taken on the basis of mistaken identity.
35
e¨vsK wnmve ev ƒjb„`b wPwýZ Kivi ƒÿ„Î e¨vsK KZ‚©K cÖ`Ë mKj cÖKvi ƒmev cÖ`vb we„eP¨ n„e|

19
11.2 cÖwkÿY- e¨vsK Kg©KZ©v :
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¨ e¨vsKmg~n wb„¤œv³ c`„ÿc MÖnY Ki„e :
(1) mKj Kg©KZ©v„`i 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 cÖwkÿY36 cÖ`v„bi e¨e¯’v Ki„e ;
(2) cÖavb Ges DccÖavb gvwbjÛvwis cÖwZ„iva cwicvjb Kg©KZ©v Ges mswkøó Ab¨vb¨ Kg©KZ©vM„Yi Kg©`ÿZv
ew×i Rb¨ Dchy³ cÖwkÿY cÖ`vb Ges/A_ev „ckvMZ mb` AR©„bi e¨e¯’v Ki„Z n„e; Ges
(3) GQvovI e¨vsK cÖwkÿY msµvšÍ Z_¨ I `wjjvw` msiÿY Ki„e|
11.3 wkÿY- e¨vsK MÖvnK :
gvwbjÛvwis, mš¿vmx Kv„h© A_©vqb I e¨vcK aŸsmvZ¥K A„¯¿i we¯Ív„i A_©vqb cÖwZ„iva wel„q MÖvnK„`i m„PZbZv
ew×i j„ÿ¨ e¨vsKmg~n wb„¤œv³ c`„ÿcmg~n MÖnY Ki„e t
(1) e¨vsK Zv„`i MÖvnK„`i wnmve ƒLvjvi cÖv°v„j hvwPZ wewfbœ Z_¨ mwbœ„ek I `wjjvw` `vwL„ji ƒh‡w³KZvi
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„`i m„PZbZv ew×i j„ÿ¨ mgq mgq wjd„jU weZiY Ges cÖwZwU e¨vsK
kvLvi `k¨gvb ¯’v„b G welqK ƒcv÷vi ¯’vc„bi e¨e¯’v Ki„e; Ges
(2) GQvovI 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 e¨e¯’v Ki„e|
12| ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY :
(1) e¨vsK „Kv„bv MÖvnK mswkøó wb„¤œ ewY©Z cքqvRbxq Z_¨vw`/`wjjvw` wnmve eÜ nIqvi ci Ab~¨b 5 (cuvP)
ermi msiÿY Ki„e :
(K) Af¨šÍixY I …e„`wkK ƒjb„`b msµvšÍ Z_¨vw` ev `wjjvw`;
(L) KYC mn CDD cÖwµqv m¤úv`bKv„j/nvjbvMv`Kv„j msMnxZ mKj Z_¨ I `wjjvw` Ges „Kv„bv
MÖvn„Ki wel„q „Kv„bv cÖwZ„e`b ev ƒh ƒKv„bv ai„bi wnmve ev ƒjb„`„bi Z_¨ ch©v„jvPbv A_ev
e¨vs„Ki mvwe©K cwicvjb Ae¯’vi wel„q „Kv„bv cÖwZ„e`b cÖYxZ n„j G mKj Z_¨vw`/`wjjvw`; Ges
(M) Walk-in Customer KZ‚©K msNwUZ „jb„`b msµvšÍ Z_¨vw` ev `wjjvw`|
(2) gvwbjÛvwis I mš¿v„m A_©vqb msµvšÍ cÖwkÿY, mfv, wbixÿv/cwi`k©b Ges we„kl cwi`k©b msµvšÍ Z_¨ I
`wjjvw` msiÿY Ki„e; Ges
(3) cքhvR¨ „ÿ„Î, msiwÿZ Z_¨vw` Aciva Kvh©µ„gi wePvwiK cÖwµqvq `vwjwjK cÖgvY wn„m„e Dc¯’vcb Ki„Z
n„e Ges msiwÿZ mKj Z_¨vw` I `wjjvw` weGdAvBBD Gi Pvwn`v ev wb„`©kbv ƒgvZv„eK mieivn Ki„Z
n„e|
13| Ab¨vb¨ :
(1) wb¤œewY©Z mvKz©jvi I mvK©yjvi ƒjUvi e¨wZZ BZtc~„e© weGdAvBBD KZ©K 28/12/2014 Zvwi„L RvixK‚Z
weGdAvBBD mvKz©jvi b¤^i-10 G ewY©Z mKj wb„`©kbv Ges Ab¨vb¨ wb„`©kbv G mvKz©jvi Øviv cÖwZ¯’vwcZ
e„j MY¨ n„e;

36
Dchy³ cÖwkÿY ej„Z wewfbœ ¯Í„ii Ges wewfbœ wefv„Mi Kg©KZ©v„`i Rb¨ wewfbœ ai„Yi (Target Oriented) cÖwkÿY Ges GKwU wbw`©ó mgq
AšÍi AšÍi Refresher Training ƒK eySv„e|

20
 mvKzj
© vi/ mvK©yjvi †jUvi bs Rvixi ZvwiL welq
weGdAvBBD mvKy©jvi ƒjUvi-01 30 Rvbyqvwi, 2012 weGdAvBBD bvgKiY cÖm„½|
weGdAvBBD mvKz©jvi bs-07 14 RyjvB, 2013 mš¿vm we„ivax (ms„kvab) AvBb, 2013 Rvix cÖm„½|
weGdAvBBD mvKz©jvi „jUvi bs- 06 8 wW„m¤^i, 2015 gvwbjÛvwis cÖwZ„iva AvBb, 2012 Gi ms„kvabx Rvix cÖm„½|
weGdAvBBD mvKz©jvi „jUvi bs- 01 16 Rvbyqvwi, 2017 Awfbœ wnmve ƒLvjvi dig cÖm„½|
weGdAvBBD mvKz©jvi „jUvi bs- 03 30 Rvbyqvwi, 2017 weGdAvBBD mvKz©jvi „jUvi bs- 01 Gi ms„kvabx cÖm„½|
(2) GZ`&mswkøó Kvh©µg cwiPvjbvKv„j mswkøó me cÿ„K Avewk¨Kfv„e evsjv„`k e¨vsK KZ©K Bmy¨K‚Z wb„`©kbv, G BDwbU KZ©K
mgq mgq RvixK‚Z wb„`©kbv Ges G m¤úwK©Z me AvBb ev wewaweavb AbymiY Ki„Z n„e; Ges
(3) G mvKz©jv„ii wb„`©kbvmg~n Awej„¤^ Kvh©Ki n„e|
Avcbv„`i wek¦¯,Í

ms„hvRbx t ƒgvU 15 (c„bi) côv|

(„`ecÖmv` ƒ`ebv_)
gnve¨e¯’vcK I Acv„ikbvj cÖavb
„dvbt 9530118
cÖwZwjwc bs-weGdAvBBD(cwjwm)-3/2017- ZvwiL t DwjøwLZ
AeMwZ I cքqvRbxq e¨e¯’v MÖn„Yi Rb¨ cÖwZwjwc ƒcÖiY Kiv n„jv : („R¨ôZvi µg Abyhvqx bq)
1. wmwbqi mwPe, e¨vsK I Avw_©K cÖwZôvb wefvM, A_© gš¿Yvjq, evsjv„`k mwPevjq, XvKv|
2. „Pqvig¨vb evsjv„`k wmwKDwiwUR G·„PÄ Kwgkb, Rxeb exgv UvIqvi, 10 w`jKzkv, XvKv|
3. e¨e¯’vcbv cwiPvjK, Bb„f÷„g›U K„c©v„ikb Ae evsjv„`k, wkí e¨vsK feb, 8 wWAvBwU GwfwbD, XvKv|
4. „Pqvig¨vb, exgv Dbœqb I wbqš¿Y KZ©cÿ, mvaviY exgv feb-2, 139, gwZwSj, XvKv|
5. ƒiwR÷ªvi, ƒiwR÷ªvi Ae R„q›U ÷K ƒKv¤úvbxR, XvKv
6. „Pqvig¨vb/e¨e¯’vcbv cwiPvjK, XvKv ÷K G·„PÄ wjt, 9/Gd, gwZwSj, XvKv|
7. „Pqvig¨vb/e¨e¯’vcbv cwiPvjK, PÆMÖvg ÷K G·„PÄ wjt, 1080, ƒkL gywRe ƒivW, AvMÖvev`, PÆMÖvg|
8. mKj wefvMxq cÖavb, evsjv„`k e¨vsK, cÖavb Kvh©vjq, XvKv|
9. wbev©nx cwiPvjK/gnve¨e¯’vcK, evsjv„`k e¨vsK, gwZwSj,
XvKv/PÆMÖvg/ivRkvnx/Lyjbv/e¸ov/wm„jU/m`iNvU,XvKv/ewikvj/iscyi/gqgbwmsn|
10. mfvcwZ, gv„P©›U e¨vsKvm© G„mvwm„qkb, BDmydƒP¤^vi (7gƒd¬vi), 20 w`jLykv, XvKv|
11. „Pqvig¨vb/„cÖwm„W›U, G¨v„mU g¨v„bR„g›U ƒKvs GÛ wgDPz¨qvj dvÛm, cÖh„Zœt ƒim ƒcvU©„dvwjI GÛ Bmy¨ g¨v„bR„g›U wjt,
ƒj„fj-13, wewWweGj feb, 8 ivRDK GwfwbD, XvKv|
12. ƒPqvig¨vb, evsjv„`k G„mvwm„qkb Ae e¨vsKm, 42 Kvgvj AvZvZzK© GwfwbD, ebvbx, XvKv|
13. ƒPqvig¨vb, G„mvwm„qkb Ae e¨vsKvm© evsjv„`k, 73 B÷vb© Kgvwk©qvj Kg„cø·, KvKivBj, XvKv|
14. cÖavb wbev©nx Kg©KZv©, mKj Zdwmjx e¨vsK I mKj Avw_©K cÖwZôvb|
15. wbe©vnx cwiPvjK, Mfb©i g„nv`„qi mwPevjq, evsjv„`k e¨vsK, cÖavb Kvh©vjq, XvKv|
16. Mfb©i g„nv`„qi e¨w³MZ Kg©KZ©v, evsjv„`k e¨vsK, cÖavb Kvh©vjq, XvKv|
17. ƒWcywU Mfb©i g„nv`qM„Yi mv„_ mshy³ Dc-cwiPvjK/mnKvix cwiPvjK, evsjv„`k e¨vsK, cÖavb Kvh©vjq, XvKv|
18. Pxd B„Kv„bvwg÷/A_©†bwZK Dc„`óv/wbe©vnx cwiPvjK g„nv`qM„Yi e¨w³MZ mnKvix, evsjv„`k e¨vsK, cÖavb Kvh©vjq, XvKv|
19. gnvcwiPvjK, evsjv„`k Bbw÷wUDU Ae e¨vsK g¨v„bR„g›U, wgicyi, XvKv|
20. gnvmwPe, w` Bbw÷wUDU Ae e¨vsKvm© evsjv„`k, weGmAviGm feb, 10g Zjv, 12, KvIivb evRvi, ƒZRMuvI, XvKv|
21. wcÖwÝcvj, evsjv„`k e¨vsK cÖwkÿY GKv„Wgx, wgicyi, XvKv|

(„gvt gvmy` ivbv)

hyM¥-cwiPvjK
ƒdvb : 255665001-20/20290

21
 cwiwkó-K
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?

1
 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?

2
 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:
 Head Office and all domestic branches
 Overseas branches
 Domestic subsidiaries
 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: ___________________________________

3
 cwiwkó-L

----- 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 cÖkgœ vjvi we¯ÍvwiZ DËi cÖ`v‡bi gva¨‡g Self Assessment c×wZ‡Z wb‡R‡`i Ae¯’vb wbY©q Ki‡e t
cÖkgœ vjv 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
h_v_©Zv gwbUwis Kiv
wKbv? weMZ `yB eQ‡i wZwb gvwbjÛvwis nq wKbv?
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva  h_vh_fv‡et-
welqK †Kvb cÖwkÿY †c‡q‡Qb wK bv? Transaction
gwbUwis Ges
L) kvLvq gvwb jÛvwis cÖwZ‡iva Kvh©µg m‡›`nRbK †jb‡`b
h_vwbq‡g cwicvwjZ n‡”Q G welqwU wi‡cvU© (B›Uvibvj
wi‡cvU©©mn) Kiv nq
wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw`©ó wKbv?
I MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki  h_vh_fv‡e †iKW©
cÖwµqvq gwbUwis I ch©v‡jvPbv K‡i msiÿY Kiv nq wKbv?
_v‡Kb wKbv?  CTR hvPvB Ges
STR mbv³Ki‡Y
e¨e¯’v †bqv nq wKbv?
 ‰e‡`wkK gy`ªvi
BbIqvW© I
AvDUIqvW© †jb‡`b
gwbUwis Kiv n‡”Q
wKbv?
3. BAMLCO mn kvLvi Kg©KZ©vMY
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb welqwU hvPvB‡qi c×wZ
cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, Kx? (we¯ÍvwiZ wjLyb)
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?

1
 cwiwkó-L

cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZe¨ Kvh©µg/mycvwik

4. kvLv ch©v‡q ‣ÎgvwmK wfwˇZ 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?
 KYC m¤úv`bKv‡j
wb‡`©kbv Abymv‡i MÖvnK cwiwPwZ MÖvn‡Ki Znwe‡ji
m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ? 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‡`i †ÿ‡Î
SuywKi wbix‡L
AwZwi³ Z_¨
(EDD) msMÖn Kiv
nq wKbv?
6. K) SzuwKi wfwˇZ kvLv Zv‡`i MÖvnK‡`i  G ch©šÍ KZwU D”P
†kªYxweb¨vm/†kªYxKiY K‡i wKbv? SzuwK m¤úbœ wnmve
kvLvq †Lvjv n‡q‡Q?
L) D”P SzuwKm¤úbœ wnmv‡ei †jb‡`b  G ai‡bi wnmve †Lvjv
gwbUwis Kiv nq wKbv? 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  D³ bxwZgvjv kvLvq
SzuwK cÖwZ‡iv‡a h_vh_ e¨e¯’v MÖnY Kiv wKfv‡e ev¯ÍevwqZ
n‡q‡Q Kx bv? n‡”Q?

2
 cwiwkó-L

cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZe¨ Kvh©µg/mycvwik

8. kvLv MÖvn‡Ki KYC Profile Gi Z_¨ Kx c×wZ‡Z Giƒc
g~j¨vqb m¤úvw`Z n‡q
weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv _v‡K?
‡gvZv‡eK wbw`©ó mgq ci ci
cybtg~j¨vqbc~e©K nvjbvMv` K‡i wKbv?
9. kvLv Walk-in-Customer-‡`i †ÿ‡Î wKfv‡e Av‡jvP¨
cÖwµqvwU m¤úbœ K‡i
KYC cÖwµqv AbymiY K‡i wK? _v‡K?

10. Online e¨vswKs Gi †ÿ‡Î wnmveavix n‡q _vK‡j Kx

cÖwµqvq Zv
e¨ZxZ Ab¨ †Kvb e¨w³ A_© Rgv Ki‡j m¤úvw`Z n‡”Q?
‡m‡ÿ‡Î †Kvb ai‡bi KYC cÖwµqv
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 )
wfwˇZ A_ev
 MÖvnK KZ©„K †NvwlZ
†jb‡`‡bi AbywgZ
gvÎv (TP) Gi
wfwˇZ; A_ev Ab¨
†Kvb c×wZ‡Z ;
 M„nxZ †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 MÖvnK
KZ©„K m¤úvw`Z cÖK…Z
†jb‡`b hvPvB Kiv nq
wKbv ?
 kvLv KZ©„K GKwU
wba©vwiZ
Thershhold Gi
wfwˇZ cÖwZw`‡bi
†jb‡`b gwbUi Kiv
nq wKbv?
 kvLvq GKwU wbw`©ó
mgq ci ci bgybv
wfwˇZ MÖvn‡Ki
KYC Profile G
cÖ`Ë Z‡_¨i mv‡_
†jb‡`‡bi mvgÄm¨Zv
hvPvB Kiv nq wKbv?

3
 cwiwkó-L

cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZe¨ Kvh©µg/mycvwik

12. mš¿vm we‡ivax AvBb, 2009 Gi Aaxb  RvwZms‡Ni wbivcËv
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai j‡ÿ¨ cwil‡`i 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`bymv‡i
wnmve I †jb‡`b
Kvh©µg hvPvB Kiv
nq wKbv? wi‡cvwU©s
 kvLv G welqK wbR¯^
†Kvb c×wZ AbymiY
K‡i wK bv?
 kvLv KZ…©K †Kvb
False Positive
ZvwjKv msiÿY Kiv
nq 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?

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 wi‡cvwU©s Gi
Rb¨ Af¨šÍixb wi‡cvwU©s
e¨e¯’v Pvjy i‡q‡Q wKbv?
 kvLv ch©v‡q wb®úwËK…Z
Af¨šÍixb wi‡cvU©
msiÿY Kiv nq wKbv?
 G hver KZ¸‡jv STR
mbv³ Kiv n‡q‡Q?
KZ¸‡jv AML/CFT
Division/Dept. G
wi‡cvU© Kiv n‡q‡Q?

4
 cwiwkó-L

cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZe¨ Kvh©µg/mycvwik

14. MÖvnK KZ©„K cybt cybt bM` †jb‡`b cÖwZw`‡bi †jb‡`‡b
wi‡cvwU©s (CTR) mxgvi bx‡P †jb‡`b Structuring kbv³
Kivi Rb¨ ‡Kvb wi‡cvU©
(Structuring) kbv³ Kivi †Kvb c×wZ kvLv ‣Zix Kiv n‡”Q wKbv ev
KZ©„K cÖewZ©Z n‡q‡Q wKbv? †Kvb c×wZ i‡q‡Q wKbv?
(we¯ÍvwiZ wjLyb)
15. kvLv KZ©„K wbqwgZ I mwVKfv‡e CTR  †cÖwiZ Z‡_¨i
†K›`ªxq cwicvjb BDwb‡U †cÖiY Kiv mwVKZv wKfv‡e
hvPvB Kiv n‡”Q?
n‡”Q wKbv?  †K›`ªxqfv‡e CTR
wi‡cvU© Kivi †ÿ‡Î
kvLv wbR¯^ CTR
wi‡cvU© msMÖnc~e©K
gwbUwis Kvh©µg
Ae¨vnZ iv‡L wKbv ?
16. gvwb jÛvwis cÖwZ‡iva AvBb, mš¿vm n‡q _vK‡j n¨vu A_ev bv
we‡ivax AvBb, mvK©yjvi, cÖwkÿY †iKW©, n†q _vK‡j bv, AvswkK
weeiYx I Ab¨vb¨ GGgGj/wmGdwU n‡j Kx Kx msiwÿZ
msµvšÍ welqvejxi Avjv`v bw_ kvLv Av‡Q Zv wjLyb|
KZ©„K msiÿY Kiv nq wKbv? AvBb,
mvKzj
© vi BZ¨vw`i Kwc kvLvi mKj
Kg©KZ©v/Kg©Pvix‡`i mieivn Kiv nq
wKbv?
17. weGdAvBBD gv÷vi mvKy©jvi Abymv‡i DËi n¨vu n‡j GB wnmve
‡Lvjv I cwiPvjbvi
kvLvq PEPs, cÖfvekvjx e¨w³, †ÿ‡Î Kx Kx ai‡Yi
AvšÍRv© wZK ms¯’vi cÖavb ev D”P ch©v‡qi mZK©Zv Aej¤^b Kiv
Kg©KZ©vi †Kvb wnmve msiÿY Kiv n‡”Q n‡”Q?
wKbv?
18. kvLvq 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
cÖwZeÜKZvmg~n Kx Kx?
evsjv‡`k dvBb¨wÝqvj B‡›Uwj‡RÝ
BDwbU-Gi cwi`k©b cÖwZ‡e`‡b D‡jøwLZ
gvwb jÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb
cÖwZ‡iva cwicvjb welqK
`~e©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q
wKbv?
20. kvLv KZ©„K •e‡`wkK †iwg‡UÝmn Ab¨vb¨ n‡q _vK‡j wKfv‡e?
BbIqvW© †iwgU¨vÝ
BbIqvW© I AvDUIqvW© ‣e‡`wkK gy`ªvi
msµvšÍ †jb‡`‡b,
†jb‡`b gwbUwis Kiv nq wKbv? cÖ‡hvR¨ †ÿ‡Î,

5
 cwiwkó-L

cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZe¨ Kvh©µg/mycvwik

weGdAvBBD KZ©„K
mg‡q mg‡q mieivnK…Z
mš¿vmx msMVb/ e¨w³i
ZvwjKv hvPvB Kiv n‡”Q
wKbv?
21. kvLvq •e‡`wkK evwYR¨ mswkøó †jb‡`b
(Gjwm, M¨vivw›U BZ¨vw`) h_hv_fv‡e
gwbUwis Kiv n‡”Q Kx bv?

22. kvLvq FY wnmve I G mswkøó Ab¨vb¨

†jb‡`b h_hv_fv‡e gwbUwis Kiv n‡”Q
Kx bv?

kvLv gvwb jÛvwis cÖwZ‡iva cwicvjb kvLv e¨e¯’vc‡Ki

Kg©KZv©i bvghy³ mxjmn ¯^vÿi I ZvwiL bvghy³ mxjmn ¯^vÿi I ZvwiL

6
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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~te©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
wfwË ZvwiLt
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
cÖYxZ 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|)

e¨vs‡Ki bvg
kvLvi bvg t
µ. cwi`k©b welq hvPvB‡qi Dcvq gšÍe¨ †gvU cÖvß
bs. †ÿÎ b¤^i b¤^i
1 2 3 4 5 6
1 kvLv 1 K) kvLvq GKRb cwicvjb Kg©KZ©v me©‡kl Awdm AWv©i †`Lyb Ges Awdm Av‡`‡k 1
cwicvjb (BAMLCO) Av‡Qb wK bv? BAMLCO Gi Job Responsibities AšÍfz©³ i‡q‡Q
Kg©KZ©v wKbv hvPvB Kiæb|
g~j¨vqb L) BAMLCO AwfÁ I †R¨ô wK weGdAvBBD mvKz©jv‡ii wb‡`©kbvi Av‡jv‡K hvPvB Kiæb|
bv? 2
2 BAMLCO Gi Dci Awc©Z `vwqZ¡ BAMLCO Gi mvwe©K Kvh©µg cixÿv Kiæb
h_vh_fv‡e cwicvjb K‡i wKbv? 3

2 MÖvnK 1 K) Awfbœ wnmve †Lvjvi dig kvLvq wnmve †Lvjvi ‡ÿ‡Î cÖ‡qvRbxq Kvh©µg h_vh_fv‡e
cwiwPwZ Abyhvqx wnmve †Lvjv nq wK bv ? m¤úbœ Kiv n‡q‡Q wK bv Zv wbwðZ nIqvi Rb¨ mKj ai‡Yi
(KYC) L) wnmve †Lvjvi dig c~iY Kivi Rb¨ wnmv‡ei Kgc‡ÿ 3 wU K‡i dig hvPvB Kiæb| msM„nxZ Z_¨ 2
cÖ‡qvRbxq mKj Z_¨ MÖnY Kiv n‡q‡Q wKfv‡e hvPvB Kiv n‡q‡Q, Zv cixÿv Kiæb|
wK bv?
2 K) MÖvn‡Ki e¨w³ msµvšÍ Z_¨ wK c×wZ‡Z hvPvB Kiv n‡q‡Q Ges hvPvB Gi mc‡ÿ
h_vh_fv‡e hvPvB Kiv n‡q‡Q wK bv? msiwÿZ `wjjvw` ch©v‡jvPbv Kiæb| bgybv wfwˇZ AšÍZ 2
10wU wnmv‡ei KYC dig I mswkøó `wjjvw` hvPvB Kiæb|
L) MÖvn‡Ki Znwe‡ji Drm hvPvB Kiv Risk Based Approach Gi wfwˇZ AšÍZ 10wU
n‡q‡Q wK bv? wnmv‡ei Znwe‡ji Dr‡mi mwVKZv hvPvB Kiæb|
4

1
 cwiwkó-M

µ. cwi`k©b welq hvPvB‡qi Dcvq gšÍe¨ †gvU cÖvß

bs. †ÿÎ b¤^i b¤^i
M) wnmv‡ei cÖK…Z myweav‡fvMx ewY©Z weGdAvBBD mvKz©jvi I MvBWjvBbm Gi wfwˇZ 10wU
(Beneficial Owner) mbv³ Kiv nq wnmv‡ei KYC di‡gi mv‡_ mshy³ KvMRcÎvw`/Z_¨vw` hvPvB
4
wKbv Ges Dnv hvPvB cÖwµqv wK? K‡i †`L‡Z n‡e|

K) kvLv KZ…©K MÖvnK wbe©vPb/wnmve
†Lvjv/†mev cÖ`v‡bi Rb¨ e¨vs‡Ki cÖavb
Kvh©vjq KZ…©K cÖYqbK…Z wi¯‥ g¨v‡bR‡g›U
MvBWjvB‡Ý DwjøwLZ wb‡`©kvejx kvLvq
cwicvjb Kiv nq wKbv?
L) kvLvq SuywKwfwËK MÖvnK
3 wefvRb/†kªYxweb¨vm/ †kªYxKiY Kiv nq wK
bv Ges Zv h_vh_ wK bv?
M) D”P SzuwKwewkó MÖvnK‡`i †ÿ‡Î SuywKi
wbix‡L AwZwi³ Z_¨ I GZ`msµvšÍ
`wjjvw` msiÿY I hvPvB Kiv nq wK bv
(EDD)?
4 K) wbw`©ó mgq ci ci/cÖ‡qvRb Abymv‡i
KYC nvjbvMv` Kiv nq wK bv ?
wi¯‥ †iwR÷vi †gvZv‡eK kvLv wK e¨e¯’v wb‡q‡Q Zv cixÿv Kiæb|
2
Awfbœ wnmve †Lvjvi di‡g cÖ`Ë wi¯‥ †MÖwWs As‡k D‡jøwLZ
wb‡`©kbvi mv‡_ kvLvq SuywKwfwËK MÖvnK wefvRb/†kªYxweb¨vm/ 1
†kªYxKiY c×wZ msMwZc~Y© wK bv Zv cixÿv Kiæb|
kvLvq msiwÿZ D”P SzuwKwewkó MÖvnK‡`i ZvwjKv msMÖnc~e©K
mswkøó wnmvemg~n ch©v‡jvPbvKiZ Kx ai‡Yi Z_¨ msMÖn Kiv nq
Ges Zv h‡_ó wK bv cixÿv Kiæb|
1
weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK KvMRcÎvw`/Z_¨vw`
hvPvB Kiæb| 1

L) kvLv KZ©„K fvmgvb/PjšÍ (walk- weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK KvMRcÎvw`/Z_¨vw`

in/one-off customers) MÖvnK‡`i hvPvB Kiæb|
(wWwW, wUwU, ‡c AW©vi, AbjvBb Rgv, 1
AbjvBb D‡Ëvjb BZ¨vw`) †ÿ‡Î KYC
cÖwµqv AbymiY Kiv nq wK bv?
30GwcÖj 2002 Zvwi‡Li c~‡e© †Lvjv †h 30GwcÖj 2002 Zvwi‡Li c~‡e© †Lvjv †h mKj wnmv‡ei †KIqvBwm
mKj wnmv‡ei †KIqvBwm cÖwµqv m¤úbœ cÖwµqv m¤úbœ Kiv nqwb ‡m mKj wnmv‡ei ZvwjKv msMÖn Kiæb|
5 Kiv nqwb †mmKj wnmvemg~‡ni eZ©gvb we‡kl K‡i G ai‡Yi wnmvemg~‡n †KIqvBwm cÖwµqv Am¤úbœ †i‡L 1
Ae¯’v Kx? 30†k gvP©, 2010 Gi c‡i †Kvb D‡Ëvjb Av‡Q wKbv bgybv wfwˇZ
cixÿv Kiæb|
MÖvnK Wire transfer Gi †ÿ‡Î kvLv weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK cwicvwjZ
cwiwPwZ KZ©„K KYC cÖwµqv AbymiY Kiv nq n‡q‡Q wK bv Zv mswkøó KvMRcÎvw`/Z_¨vw` hvPvB Kiæb|
6 wK bv? 1
(KYC)

Politically Exposed Persons weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK bgybvi wfwˇZ

(PEPs), cÖfvekvjx e¨w³ I AvšÍRvwZ©K hvPvB Kiæb|
8 ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi ‡Kvb 3
wnmve kvLvq msiÿY Kiv n‡”Q wKbv?
K) Credit Card myweav cÖ`v‡b Credit Card Bm¨yi †ÿ‡Î MÖvnK cwiwPwZ mwVKfv‡e MÖnY I
weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq hvPvB Kiv nq wK bv hvPvB Kiæb| Credit Card Gi FY mxgv
1
wK bv| MÖvn‡Ki Av‡qi mv‡_ msMwZc~Y© wKbv hvPvB Kiæb| kvLv KZ…©K
†KIqvBwm nvjbvMv` Kiv nq wKbv hvPvB Kiæb|
9
L) Internet banking myweav cÖ`v‡b Internet banking myweav cÖ`v‡b kvLv KZ…©K wK
weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq mZK©Zvg~jK e¨e¯’v ‡bqv n‡q‡Q Zv hvPvB Kiæb Ges MÖvn‡Ki
1
wK bv| SuywK we‡ePbvq ‡Kvb AwZwi³ Z_¨vw` †bqv n‡q‡Q wK bv Zv
hvPvB Kiæb|

2

µ. cwi`k©b welq
bs. †ÿÎ
Non face to face customer m¤úwK©Z
10 weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq
wK bv|
3 †jb‡`b gwbUwis 1 kvLvq †jb‡`b gwbUwis (Transaction
(Transaction Monitoring) Gi †Kvb Kvh©Kix c×wZ
Monitoring) Pvjy Av‡Q wK bv?
2 K) MÖvn‡Ki †ckv I Av‡qi mv‡_
msMwZc~Y©fv‡e †jb‡`‡bi AbywgZ gvÎv
(TP) MÖnY Kiv nq wK bv?
L) †jb‡`‡bi AbywgZ gvÎvq (TP)
cÖ‡qvRbxq mKj Z_¨ mwbœ‡ek Kiv n‡q‡Q
wK bv ?
M) †NvwlZ AbywgZ gvÎvi mv‡_ cÖK…Z
†jb‡`b hvPvB Kiv nq wK bv ?
N) wnmve †Lvjvi 6 gv‡mi g‡a¨ MÖvn‡Ki
†jb‡`b ch©v‡jvPbv c~e©K TP nvjbvMv`
Kiv n‡q‡Q wK bv?
O) wbw`©ó †Kvb cÖ‡qvRb Abyf‚Z n‡j A_ev
kvLv KZ…©K wbqwgZ gwbUwis Kvh©µ‡gi
AvIZvq mg‡q mg‡q TP nvjbvMv` Kiv
n‡q‡Q wKbv?
3 kvLvq cwiPvwjZ D”P SuywKc~Y© wnmvemg~‡ni
ZvwjKv msiÿY Kiv nq wK bv Ges D³
wnmv‡ei †jb‡`b gwbUwis ch©vß wK bv ?
4 K) mš¿v‡m A_©vqb cÖwZ‡iv‡a kvLvq UN
Security Council resolution Gi
AvIZvq sanction list I mš¿vm we‡ivax
AvBb 2013 Gi ms‡hvRbx‡Z D‡jøwLZ
¯’vbxq mš¿vmx ZvwjKv msiÿY Kiv nq wK
bv Ges †m ‡gvZv‡eK wnmve †Lvjv I
†jb‡`b Kvh©µg hvPvB Kiv nq wKbv?
L) False Positive Gi ZvwjKv kvLvq
msiÿY Kiv nq wK bv?
51. •e‡`wkK I Af¨šÍixY evwY‡R¨i A_©vq‡bi
†ÿ‡Î gvwbjÛvwis I mš¿v‡m A_©vqb
cÖwZ‡iv‡a kvLv KZ©„K wK e¨e¯’v MÖnY Kiv
n‡q‡Q?**
1
we‡kl `ªóe¨t Aby‡”Q` bs 3(5) ïaygvÎ GwW kvLvi Rb¨ cÖ‡hvR¨ n‡e| bbGwW kvLvi †ÿ‡Î 95 b¤^‡ii g‡a¨ cÖvß b¤^i‡K kZKiv iƒcvšÍi K‡i mvwe©K †iwUs wbY©q
Ki‡Z n‡e|
cwiwkó-M
hvPvB‡qi Dcvq gšÍe¨ †gvU cÖvß
b¤^i b¤^i
wnmve †Lvjvi ‡ÿ‡Î MÖvnK cwiwPwZ mwVKfv‡e MÖnY Kiv nq wK bv
hvPvB Kiæb Ges MÖvn‡Ki SuywK we‡ePbvq Kx/‡Kvb ai‡Yi 1
AwZwi³ Z_¨vw` †bqv n‡q‡Q Zv hvPvB Kiæb|
gwbUwis Gi c×wZ D‡jøL Kiæb (cÖ‡hvR¨ †ÿ‡Î cÖgvY msMÖn
Kiæb)|
 g¨vbyq¨vj c×wZ‡Z †jb‡`b cixÿv Kiv n‡j Zv wKfv‡e
Kiv nq Zv we¯ÍvwiZ hvPvB Kiæb|
4
 A‡Uv‡g‡UW n‡j wm‡÷g †Rbv‡i‡UW wi‡cvU©
msMÖnc~e©K ch©v‡jvPbv Kiæb|
 weMZ mg‡qi gwbUwis Gi bw_ msMÖnc~e©K hvPvB
Kiæb|
cÖ‡hvR¨ †ÿ‡Î AšÍZ 10wU wnmv‡ei bgybv †Km cixÿv K‡i †`Lyb|
2
Awfbœ wnmve †Lvjvi di‡gi mv‡_ mshy³ TP dig hvPvB Kiæb|
1
b~¨bZg 10wU wnmv‡ei gwbUwis c×wZi bgybv cixÿv Kiæb Ges
cÖ‡qvR‡b e¨vs‡Ki A‡Uv‡g‡UW c×wZ ‡Z DwjøwLZ TP Gi mv‡_ 2
TP di‡g †NvwlZ AbywgZ gvÎvi wgj Av‡Q wKbv hvPvB Kiæb|
weGdAvBBD mvKz©jvi †gvZv‡eK Risk Based Approach Gi
wfwˇZ b~¨bZg 10wU wnmv‡ei wUwc hvPvB Kiæb| 1
b~¨bZg 10wU wnmv‡ei wUwc hvPvB Kiæb|
1
D”P SzuywKm¤úbœ wnmve mgy‡ni ZvwjKv msMÖn Kiæb Ges
weGdAAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK GZ`msµvšÍ bw_
3
msMÖnc~e©K D³ wnmvemg~‡ni †jb‡`b gwbUwis ch©vß wKbv hvPvB
Kiæb|
 wnmve †Lvjv, ‡jb‡`b gwbUwis Ges Af¨šÍixY I
•e‡`wkK evwY‡R¨i †ÿ‡Î Dfq ZvwjKv hvPvB Kiv nq
wK bv|
 G wel‡q kvLv ¯^qswµq (Automated) †Kvb c×wZ 2
AbymiY K‡i wK bv hvPvB Kiæb| AšÍZ 10wU bgybv
†Km cixÿv K‡i †`Lyb|
 UN sanction list I ¯’vbxq mš¿vmx ZvwjKv hvPvB G
kvLv KZ…©K †Kvb False Positive n‡q‡Q wKbv Zv 1
cixÿv K‡i †`Lyb|
bgybvwfwˇZ 4/5 Rb MÖvn‡Ki Gjwm WKy‡g›Umn mswkøó MÖvn‡Ki
Ab¨vb¨ mKj wnmv‡ei bw_ msMÖnc~e©K wb‡¤œi welqvw` hvPvB Kiæbt
5
 Letter of Credit -G ewY©Z c‡Y¨i g~j¨ AvšÍRv©wZK
gvb`‡Ûi mv‡_ hvPvB Kiv n‡q‡Q wK bv cixÿ Kiæb|
3
 cwiwkó-M

µ. cwi`k©b welq hvPvB‡qi Dcvq gšÍe¨ †gvU cÖvß

bs. †ÿÎ b¤^i b¤^i
 Supplier/Beneficiary Gi Credit report msMÖn
K‡i kvLv KZ…©K ch©v‡jvPbv Kiv n‡q‡Q wKbv hvPvB
Kiæb|
 Beneficiary/Applicant Gi country FATF
KZ©„K wPwýZ High-risk and non-cooperative
jurisdictions Gi AšÍfz©³ n‡j EDD Kiv nq wK
bv hvPvB Kiæb|
 Bill of Entry Gi original copy msiÿY Kiv
nq wKbv hvPvB Kiæb|
 Shipping document Letter of
Credit/Proforma invoice Gi mv‡_ msMwZc~Y©
wKbv hvPvB Kiæb|
6 kvLv •e‡`wkK †iwg‡UÝmn Ab¨vb¨  BbIqvW© I AvDUIqvW© †iwg‡UÝ msµvšÍ †jb‡`b
BbIqvW© I AvDUIqvW© †iwg‡UÝ gwbUwis MÖvn‡Ki †KIqvBwm msµvšÍ Z_¨vw` bgybvwfwˇZ hvPvB 1
K‡i wK bv? Kiæb|
4 bM` †jb‡`b 1 K) gvwmK wfwˇZ Ges wbf©yjfv‡e CTR ‡iKW©/bw_/†iwRóvi hvPvB Kiæb| †hmKj e¨vs‡Ki cÖavb Kvh©vjq
wi‡cvU© Kiv nq wKbv ? KZ…©K †K›`ªxqfv‡e wmwUAvi Kiv nq †m †ÿ‡Î kvLvq gvwmK 2
(CTR) Ges wfwˇZ wmwUAvi msiÿY Kiv nq wKbv hvPvB Kiæb|
m‡›`nRbK L) cÖwZ gv‡m †cÖwiZ wmwUAvi Gi Kwc  wi‡cvwU©s ZvwjKv/dvBj cixÿv K‡i †`Lyb|
†jb‡`b kvLvq msiÿY Kiv nq wKbv Ges Dnv weGdAvBBD mvKz©jvi †gvZv‡eK ch©v‡jvPbv Kiv nq
wi‡cvwUs wbqwgZ ch©v‡jvPbv Kiv nq wKbv? wKbv Zv GZ`msµvšÍ bw_ hvPvBc~e©K cixÿv Kiæb| 4
(STR) †K›`ªxqfv‡e wmwUAvi Kiv n‡jI kvLv KZ…©K wmwUAvi
ch©v‡jvPbv Kiv nq wKbv ZvI hvPvB Kiæb|
M) MÖvnK KZ©„K wi‡cvwU©s mxgvi bx‡P cybt  kvLvi K¨vk ‡iwR÷vi ch©v‡jvPbvc~e©K m¤¢ve¨
cybt †jb‡`b (Structuring) Kivi †ÿ‡Î wnmvemg~n wPwýZKiZt Zv ch©v‡jvPbv Kiæb|
Zv kbv³ Kivi †Kvb c×wZ kvLvq cÖewZ©Z GZ`&wel‡q kvLv KZ…©K †Kvb wi‡cvU© †Rbv‡iU Kiv nq 3
n‡q‡Q wK bv? wKbv hvPvB Kiæb|

2 K) kvLvq m‡›`nRbK †jb‡`b  m‡›`nRbK †jb‡`b (STR) Gi wewfbœ wb‡`©kKmg~‡ni

(STR)/SAR wPwýZKi‡Yi †Kvb c×wZ wfwˇZ m‡›`nRbK †jb‡`b (STR) wPwýZKi‡Yi 3
Pvjy Av‡Q wK bv ? †Kvb c×wZ Pvjy Av‡Q wKbv hvPvB Kiæb |

L) mswkøó mKj Kg©KZ©v STR/SAR kvLvi Kg©KZ©v‡`i m‡›`nRbK †jb‡`b wPwýZKiY I wi‡cvU©KiY
wm‡÷g m¤ú‡K© AewnZ Av‡Qb wK bv ? m¤ú‡K© ch©vß aviYv Av‡Q wKbv cixÿv Kiæb| 2

5 gvwbjÛvwis 1 kvLv KZ©„K cÖ‡qvRbxq msL¨K weeiYx
cÖwZ‡iva gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei
wefvM/wWwfkb `vwLj Kiv nq wK bv ? kvLv wK h_vmg‡q
eivei weeiYx weeiYx `vwLj K‡i ?
`vwLj
2 weeiYx‡Z cÖ`Ë Z_¨ mwVK I c~Y©v½ wK bv ?
6 ¯^wba©viYx 1 ¯^wba©viYx c×wZ‡Z (†mî A¨v‡mm‡g›U)
c×wZ kvLvi g~j¨vqb e¨e¯’v Pvjy Av‡Q wK bv ?
2 Av‡jvP¨ g~j¨vqb cÖwZ‡e`b P‚ovšÍ Kivi c~‡e©
kvLv e¨e¯’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó
Kg©KZ©v‡`i wb‡q mfv Kiv n‡q‡Q wKbv?
 gvwmK wfwˇZ wmwUAvi (cÖ‡hvR¨†ÿ‡Î GmwUAvi
weeiYx), wØ-gvwmK wfwˇZ weeiYx-2 I 3, Ges
lvb¥vwmK wfwˇZ †mî A¨v‡mm‡g›U weeiYx gvwbjÛvwis
cÖwZ‡iva wefvM/wWwfkb eive‡i ‡cÖwiZ nq wKbv 2
cixÿv Kiæb|
 wej‡¤^ `vwLj A_ev weeiYx `vwLj Kiv bv n‡q _vK‡j
Zv Am‡šÍvlRbK e‡j we‡ewPZ n‡e|
GZ`&msµvšÍ bw_ cixÿv Kiæb| Z_¨vw` mwVK I cwic~Y© bv n‡j
1
Zv Am‡šÍvlRbK e‡j we‡ewPZ n‡e|
weGdAvBBD mvKz©jv‡ii mv‡_ mshy³ †PKwjó e¨envic~e©K g~j¨vqb 1
cÖwZ‡e`b Kiv n‡q‡Q wKbv hvPvB K‡i †`Lyb|
1
bw_ hvPvB Kiæb|

4

µ. cwi`k©b welq
bs. †ÿÎ
3 K) g~j¨vqb cÖwZ‡e`‡b `~e©jZvmg~n wPwýZ
Kiv n‡q‡Q wKbv?
L) M„nxZ wm×všÍ ev¯Íevq‡b kvLv KZ…©K Kx
c`‡ÿc MÖnY Kiv n‡q‡Q Ges cieZx©
•ÎgvwmK mfv¸‡jv‡Z c~e©eZx© mfvi
GZ`mswkøó wel‡qi AMÖMwZ wb‡q Av‡jvPbv
Kiv n‡q‡Q wKbv?
4 kvLvi wbR¯^ g~j¨vqb h_vh_ wK bv?
7 AML/CFT 1 kvLvq KZRb Kg©KZ©v gvwb jÛvwis
wel‡q cÖwZ‡iva welqK AvbyôvwbK cÖwkÿY MÖnY
Kg©KZ©v‡`i K‡i‡Qb?
Ávb I
m‡PZbZv
2 cÖavb wbe©vnx KZ…©K evrmwiK wfwˇZ
GGgGj/wmGdwU welqK A½xKvi †NvlYvi
Kwc mKj Kg©KZ©v‡K AewnZKiYc~e©K
kvLvq msiÿY Kiv nq wKbv Ges Ge¨vcv‡i
kvLvi Kg©KZ©vMY h_vh_fv‡e Zv cwicvjb
K‡i‡Qb wKbv?
3 kvLvi Kg©KZ©vMY GGgGj/wmGdwU welqK
bxwZ, c×wZ I †cÖvMÖvg Ges RvZxq bxwZgvjvmn
weGdAvBBD Gi MvBWjvBÝ m¤ú‡K© AewnZ wK
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