e¨vswKs wnmve BDwbU

f‚wgKv
Bank Account
4
AvaywbK A_© e¨e¯’vq cÖwZwU gvbyl I cÖwZôv‡bi Rb¨ e¨vsK wnmve GKwU ¸iæZ¡c~Y© welq| e¨vsK wnmv‡ei gva¨‡gB
e¨vsK g‡°‡ji UvKv MÖnY K‡i, D‡Ëvj‡bi my‡hvM cÖ`vb K‡i Ges wewfbœ †mev cÖ`vb K‡i| †mevi wfbœZvi Rb¨
e¨vsK wnmve wfbœ n‡Z cv‡i| e¨vsK mywbw`©ó bxwZgvjv Abymib K‡i wnmve cwiPvjbv K‡i| eZ©gv‡b Ab-jvBb
e¨vswKs nIqvq e¨vsK wnmve Av‡iv ¸iæZ¡c~Y© n‡q‡Q| GLv‡b D‡jøL¨ †h, MÖvnK GKwU wnmve e¨envi K‡i †`k-
we‡`‡ki †h‡Kvb RvqMv †_‡K Zvi †mev wb‡Z cv‡i| G BDwb‡U wnmv‡ei cÖK…wZ, †kÖwYwefvM, Gi cwiPvjbv BZ¨vw`
welq Av‡jvPbv Kiv n‡e| Zvn‡j Avmyb, BDwbwU †kl Kwi Ges welq¸‡jv AvqË Kwi|

BDwbU mgvwßi mgq BDwbU mgvwßi m‡e©v”P mgq 2 mßvn

G BDwb‡Ui cvVmg~n
cvV-4.1 : e¨vsK wnmv‡ei msÁv I ¸iæZ¡
cvV-4.2 : e¨vsK wnmve c×wZ, cwiPvjbv I eÜKiY
cvV-4.3 : wnmv‡ei cÖKvi‡f` I mwVK wnmve wba©viY
cvV-4.4 : wnmv‡ei †MvcbxqZv

gyL¨ kãgvjv e¨vsK wnmve, mÂqx wnmve, ¯’vqx wnmve

GBPGmwm †cÖvMÖvg

cvV-4.1 e¨vsK wnmv‡ei msÁv I ¸iæZ¡

D‡Ïk¨
G cvV †k‡l Avcwb-

e¨vsK wnmv‡ei msÁv eY©bv Ki‡Z cvi‡eb|

e¨vsK wnmv‡ei ¸iæZ¡ e¨vL¨v Ki‡Z cvi‡eb|

e¨vsK wnmv‡ei c×wZ eY©bv Ki‡Z cvi‡eb|

e¨vsK wnmv‡ei msÁv

e¨vsK hLb †Kvb e¨w³ ev cÖwZôv‡bi A_© AvgvbZ wn‡m‡e MÖnY K‡i, ZLb H e¨w³ ev cÖwZôv‡bi bv‡g
GKwU wnmve (Account) †Lv‡j| †h wnmv‡ei gva¨‡g e¨vsK AvgvbZKvix‡`i A_© MÖnY, Zv †_‡K
D‡Ëvj‡bi my‡hvMmn mKj †jb‡`‡bi wnmve msiÿY I wb®úwË K‡i, Zv‡K e¨vsK wnmve e‡j| AvMÖnx wewfbœ e¨vw³
I cÖwZôvb wba©vwiZ di‡g Av‡e`b K‡i Ges wba©vwiZ b~¨bZg A_© Rgv w`‡q Giƒc wnmve Lyj‡Z cv‡i|
Rvbv n‡jv e¨vsK wnmv‡ei mvaviY K_v| Gevi Avmyb, wnmv‡ei wKQz msÁv †R‡b wbB|
e¨vsK wnmve m¤ú‡K© cÖ‡dmi nvW©mb e‡jb, Ò†h wnmv‡ei gva¨‡g e¨vsK Zvi MÖvnK‡`i mv‡_ †jb‡`b K‡i Zv‡K
e¨vsK wnmve e‡j|Ó
Dictionary of Banking and Finance Gi g‡Z, Òe¨vsK wnmve n‡”Q e¨vsK I MÖvn‡Ki g‡a¨ GKwU Pyw³MZ m¤§wZ,
hvi gva¨‡g wd-Gi wewbg‡q MÖvnK e¨vsK †mevw` MÖnY K‡i| Giƒc wnmve e¨w³ ev cÖwZôv‡bi bv‡g †Lvjv hvq|Ó
Dc‡ii Av‡jvPbv †_‡K ejv hvq †h, e¨vsK wnmve n‡jv e¨vs‡Ki wbR¯^ bw_c‡Î cÖ‡Z¨K AvgvbZKvixi bvg, wVKvbv
I wnmve b¤^ihy³ Ggb GKwU e¨e¯’v hvi gva¨‡g cÖ‡Z¨‡Ki RgvK…Z A_© MÖnY, D‡ËvjbK…Z A_© Ges Ab¨vb¨ †mevi
mgy`q wnmve myk„•Ljfv‡e msiÿY Kiv nq|
e¨vsK wnmv‡ei ¸iæZ¡ (Importance of Bank Account)
e¨vsK wnmv‡ei ¸iæZ¡ wb‡¤œ Av‡jvPbv Kiv n‡jvt
K. e¨vsK- MÖvn‡Ki myweavewj
1. A‡_©i wbivcËv t e¨vsK wnmv‡ei gva¨‡g †jb‡`b Ki‡j Zv‡Z SzuwK n«vm cvq Ges A_© wbivc` _v‡K| G Qvov
ûwÐ, †c-AW©vi BZ¨vw`i e¨env‡ii my‡hvM cvIqv hvq Ges †jb‡`b mnR I SzuwKgy³ nq|
2. Avq e„w× t e¨vs‡K UvKv Rgv ivLv n‡j e¨vsK †m UvKv w`‡q wb‡R e¨emv K‡i| †m Kvi‡Y e¨vsK AvgvbZKvix‡K
RgvK…Z A‡_©i Dci wba©vwiZ nv‡i my`/gybvdv †`q| GwU AvgvbZKvixi Rb¨ GKwU evowZ Avq| bM` A_© N‡i
Rwg‡q ivL‡j Zv‡Z †Kvb Avq nq bv| wKš‘ e¨vsK wnmv‡e Rgv Kiv n‡j Zvi Dci Avq cvIqv hvq|
3. wgZe¨qxZv t bM` UvKv nv‡Z _vK‡j LiP Kivi cÖeYZv †e‡o hvq| wKš‘ e¨vs‡K UvKv Rgv ivL‡j bM` A_© LiP
Kivi cÖeYZv K‡g hvq| d‡j AcÖ‡qvRbxq LiP K‡g hvq| Gfv‡e MÖvnK wgZe¨qx n‡eb GUvB ¯^vfvweK|
4. av‡i †jb‡`b t e¨vs‡Ki mv‡_ †Kvb MÖvn‡Ki †jb‡`b bv _vK‡j e¨vsK Zvi Avw_©K ¯^”QjZv wbiƒcY Ki‡Z cv‡i
bv| †jb‡`‡bi GK ch©v‡q e¨vsK Rgvi AwZwi³ A_© w`‡qI †PK cwi‡kv‡ai e¨e¯’v K‡i †`q| e¨vsK wnmve _vKvi
Kvi‡YB GgbwU m¤¢e|
5. cÖ‡qvRbxq Z_¨ t e¨vsK wnmv‡ei gva¨‡g †jb‡`b Ki‡j e¨vsK MÖvn‡Ki Z_¨ Ab¨‡K cÖ`vb Ki‡Z cv‡i| Avevi
A‡b¨i Z_¨ mswkøó MÖvnK‡K w`‡Z cv‡i|

BDwbU 4 c„ôv 70
 wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ

6. A_© ¯’vbvšÍi t e¨vsK ûwÐ ev †c-AW©v‡ii gva¨‡g GK¯’vb †_‡K Ab¨ ¯’v‡b A_© †cÖiY K‡i g‡°j‡K mnvqZv
K‡i|
7. cvIbv Av`vq t e¨vsK wnmve _vK‡j e¨vsK MÖvn‡Ki c‡ÿ †Kvb Party-Gi KvQ †_‡K g‡°‡ji A_© Av`vq Ki‡Z
cv‡i| Avevi Zvi c‡ÿ †Kvb †`bvI cwi‡kva Ki‡Z cv‡i|

L. mvgvwRK myweavewj
e¨vsK wnmve iÿYv‡eÿ‡Yi Kvi‡Y mgvR mgwóMZfv‡e DcK…Z nq|
1. mÂq msMÖn I g~jab MVb t e¨vsK wnmv‡ei gva¨‡g RbM‡Yi ÿz`ª ÿz`ª AvgvbZ msMÖn K‡i Zv eo AvKv‡ii
g~ja‡b cwiYZ Kiv nq|
2. wewb‡qvM t wewb‡qv‡Mi c~e© kZ© n‡jv g~jab MVb| e¨vsK wnmv‡ei gva¨‡g mÂq‡K GKwÎZ K‡i g~jab MVb K‡i
Zv Avevi Drcv`bkxj I jvfRbK Lv‡Z wewb‡qvM Kiv nq|
3. A_© mieivn t e¨vsK FY AvgvbZ ˆZwi K‡i A‡_©i mvK©y‡jkb evov‡Z cv‡i| G‡Z mgv‡R A‡_©i Zvij¨ †e‡o
hvq|
4. ˆe‡`wkK wewbgq t e¨vsK wnmv‡ei gva¨‡g ˆe‡`wkK †jb‡`b wb®úwË Kiv hvq| G‡Z ˆe‡`wkK evwYR¨ Kvh©µg
Z¡ivvwš^Z nq|
5. Avq I Kg©ms¯’vb e„w× t e¨vsK wnmv‡e RgvK…Z A_© jvfRbK Lv‡Z wewb‡qvM K‡i mgv‡Ri mvgwMÖK Avq I
Kg©ms¯’vb evov‡bv m¤¢e|

wkÿv_©xi KvR Avcbvi Ávb SvjvB Kivi Rb¨ e¨vsK wnmv‡ei 4wU ¸iæZ¡ LvZvq wjLyb|

mvims‡ÿc:
e¨vsK hLb †Kvb e¨w³ ev cÖwZôv‡bi A_© AvgvbZ wn‡m‡e MÖnY K‡i ZLb H e¨w³ ev cÖwZôv‡bi bv‡g GKwU
wnmve (Account) †Lv‡j| e¨vsK wnmve m¤ú‡K© cÖ‡dmi nvW©mb e‡jb, Ò†h wnmv‡ei gva¨‡g e¨vsK Zvi
MÖvnK‡`i mv‡_ †jb‡`b K‡i Zv‡K e¨vsK wnmve e‡j|Ó Dictionary of Banking and Finance Gi g‡Z, Òe¨vsK
wnmve n‡”Q e¨vsK I MÖvn‡Ki g‡a¨ GKwU Pyw³MZ m¤§wZ, hvi gva¨‡g wd-Gi wewbg‡q MÖvnK e¨vsK †mevw` MÖnY
K‡i| Giƒc wnmve e¨w³ ev cÖwZôv‡bi bv‡g †Lvjv hvq|Ó

cv‡VvËi g~j¨vqb-4.1

BDwbU 4 c„ôv 71
GBPGmwm †cÖvMÖvg

mwVK Dˇii cv‡k wUK (√√) wPnb w`b|

1. GKRb MÖvn‡Ki e¨vsK wnmve ivLvi cÖavb myweav Kx?
K. gybvdv AR©b L. Z_¨ mI msiÿY mieivn
M. Kg©ms¯’vb N. A‡_©i wbivc` msiÿY|
2. wnmve Ly‡j e¨vsK Kxfv‡e †`‡ki Drcv`‡bi PvKv‡K mPj iv‡L?
K. MwVZ g~jab wewb‡qv‡Mi gva¨‡g L. m‡qi AvMÖn m„wói gva¨‡g
M. Kg©ms¯’vb I Av‡qi my‡hvM m„wói gva¨‡g N. gybvdv AR©‡bi gva¨‡g
3. evsjv‡`‡k evwYwR¨K e¨vsK¸‡jvi KYC dg© c~iY I msiÿ‡Yi cÖavb KviY Kx?
K. AvBbMZ eva¨evaKZv L. gybvdv e„w×
M. mybvg AR©b N. Zvij¨ msiÿY
4. MÖvn‡Ki e¨vswKs Kvh©µ‡gi D‡Ïk¨ n‡”Q-
i. A_© ¯’vbvšÍi
ii. A_© msiÿY
iii. A_© D‡Ëvjb
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii

BDwbU 4 c„ôv 72
 wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ

cvV-4.2 e¨vsK wnmve c×wZ, cwiPvjbv I eÜKiY

D‡Ïk¨
G cvV †k‡l Avcwb-

wewfbœ ai‡bi e¨vsK wnmve †Lvjv I Zvi cwiPvjbv eY©bv Ki‡Z cvi‡eb|

e¨vsK wnmve Kxfv‡e eÜ Kiv hvq Zv Rvb‡Z cvi‡eb|

e¨vs‡K wnmve †Lvjvi c×wZ (Procedure of Opening Bank Account)

e¨vsK wnmve n‡jv AvgvbZKvixi Identification bv¤^vi hvi gva¨‡g UvKv Rgv I D‡Ëvjb Kiv nq|
e¨vsK wnmve n‡jv AvgvbZKvix I e¨vs‡Ki g‡a¨ †hvMv‡hvM Ges †jb†`‡bi gva¨g| e¨vsK g~jZ wZb cÖKvi wnmve
†Lvjvi e¨e¯’v K‡i _v‡K| h_vt
K) PjwZ wnmve (Current Account)
L) mÂqx wnmve (Savings Account) Ges
M) ¯’vqx wnmve (Fixed Account)

G¸‡jv †Lvjvi Rb¨ cÖwZwU e¨vs‡K wZb i‡Oi Av‡e`bcÎ ev dg© i‡q‡Q| cÖ‡qvRbxq wbqg-Kvbyb †g‡b wnmve Lyj‡Z
nq| wb‡¤œ wnmve †Lvjvi c×wZ we¯ÍvwiZ Av‡jvPbv Kiv n‡jv t
K) PjwZ wnmve Ges mÂqx wnmve †Lvjvi c×wZ (Procedure of Opening Current and Savings Accounts)
D‡jøL¨, e¨vs‡K PjwZ I mÂqx wnmve †Lvjvi c×wZ cÖvq GKB ai‡bi| ïay Av‡e`b c‡Îi is‡qi wfbœZv Qvov †Kvb
cv_©K¨ †bB| ZvB GB `ywU welq‡K GKB mv‡_ Av‡jvPbv Kiv n‡jv t
1. Av‡e`bcÎ msMÖn (Collection of Application Form) t PjwZ ev mÂqx wnmve †Lvjvi Rb¨ AvMÖnx e¨w³‡K
Zvi cQ›` †gvZv‡eK e¨vs‡Ki kvLvq Dcw¯’Z n‡q ev cÖwZwbwai gva¨‡g Av‡e`b cÎ msMÖn Ki‡Z n‡e|
Av‡e`bcÎ e›U‡bi `vwqZ¡cÖvß Kg©KZ©v PjwZ ev mÂqx wnmve †Lvjvi wba©vwiZ Av‡e`bcÎ cÖ`vb K‡ib| Gi
mv‡_ wZwb `¯ÍL‡Zi bgybv KvW© cÖ`vb K‡ib Ges wKiƒ‡c Av‡e`b cÎ I `¯ÍLZ KvW© c~iY Kiv n‡e ZvI e‡j
†`b|
2. Av‡e`bcÎ c~iY (Fill up the Application Form) t Av‡e`b c‡Î K‡qKwU Ask _v‡K| NlvgvRv ev
KvUv‡Quov Av‡e`bcÎ MÖnY‡hvM¨ bq| Av‡e`bc‡Îi AskM‡jv mvaviYZ wb¤œiƒc Z_¨vw` Øviv c~iY Ki‡Z nq t
(i) Av‡e`bKvixi weeiY t GB Ask Av‡e`bKvixi bvg, wcZv-gvZv ev ¯^vgxi bvg, RvZxqZv, †ckv, eqm,
eZ©gvb Ges ¯’vqx wVKvbv msµvšÍ Z_¨vw` Øviv c~iY Ki‡Z nq| eZ©gv‡b RvZxq cwiPqc‡Îi b¤^i Ges
U¨v· dvBj b¤^i †`Iqv eva¨Zvg~jK| G¸‡jvi KwcI mshy³ Ki‡Z nq|
(ii) cwiPq`vbKvixi weeiY t Av‡e`bKvix‡K D³ e¨vs‡K c~e© †_‡KB wnmve i‡q‡Q Giƒc GKRb e¨w³ Øviv
mbv³ Kivi `iKvi nq| GB As‡k mbv³Kvix e¨w³‡K Zvi bvg, wVKvbv, ¯^vÿi Ges Zvi wnmve b¤^i
D‡jøL Ki‡Z nq| cwiP‡qi g~j D‡Ïk¨ n‡jv G bvgxq e¨w³ GB †jvKB wK bv Zv wbwðZ nIqv| cwiPq
`vbKvix cvIqv bv †M‡j e¨vs‡Ki Kg©KZ©v G e¨vcv‡i mvnvh¨ K‡ib|
(iii) g‡bvbxZ e¨w³ ev bwgwbi cwiPq t GB As‡k Av‡e`bKvix‡K Zvi cwiwPZ bwgwb e¨w³i bvg, wVKvbv,
eqm msµvšÍ Z_¨vw` msy³ Ki‡Z nq| AvgvbZKvixi g„Zz¨i ci GB g‡bvbxZ e¨w³ wnmv‡ei me UvKv

BDwbU 4 c„ôv 73
GBPGmwm †cÖvMÖvg

†c‡q _v‡K| eZ©gv‡b e¨vsK¸‡jv Av‡e`bc‡Î g‡bvbxZ e¨w³i Qwe mshy³ Kivi e¨e¯’v MÖnY K‡i‡Q|
Avgv‡`i †`‡ki mvaviY I Bmjvgx Dfq ai‡bi e¨vs‡Ki cÖPjb i‡q‡Q| `yÕRvqMv‡ZB bwgwbi cÖ‡qvRb
i‡q‡Q|
(iv) ¯^vÿi t Av‡e`b c‡Îi wba©vwiZ ¯’v‡b Av‡e`bKvix‡K ¯^vÿi cÖ`vb Ki‡Z nq| †hŠ_ bv‡g wnmve †Lvjvi
†ÿ‡Î wba©vwiZ ¯’v‡b cÖ‡Z¨K‡KB ¯^vÿi w`‡Z nq|
(v) Qwe t Av‡e`bc‡Îi mv‡_ Av‡e`bKvix‡K `yB Kwc (cvm‡cvU© mvBR) mZ¨vwqZ Qwe mshy³ Ki‡Z nq hv
cwiPq`vbKvix mZ¨vwqZ K‡i _v‡K|
3. bgybv ¯^vÿi KvW© c~iY t Gici mZK©Zvi mv‡_ bgybv ¯^vÿi KvW© c~iY Ki‡Z nq| GB Kv‡W©i wbw`©ó ¯’v‡b
Zv‡K wbR bvg wZbevi wjL‡Z nq Ges wZbwU ¯^vÿi w`‡Z nq| e¨vsK GB KvW© jKv‡i msiÿY K‡i Ges UvKv
D‡Ëvj‡bi Rb¨ cÖ`Ë †P‡Ki ¯^vÿi GB bgybv ¯^vÿ‡ii mv‡_ wgj‡jB e¨vsK UvKv cÖ`vb K‡i| Kw¤úDUv‡ii
Kj¨v‡Y One stop service cÖ`vb Kiv n‡”Q|
4. cÖ‡qvRbxq `wjj cÎvw` ms‡hvRb t Av‡e`bKvix e¨w³ n‡j Zvi Qwe RvZxq cwiPqcÎ I U¨v· dvBj b¤^i
BZ¨vw` `wjjcÎvw` Av‡e`b c‡Îi mv‡_ mshy³ Ki‡Z nq| wKšÍz cÖwZôv‡bi bv‡g wnmve †Lvjvi †ÿ‡Î wb¤œiƒc
Z_¨vw` Av‡e`bc‡Îi mv‡_ mshy³ Ki‡Z nqt
K) GK gwjKvbv Kviev‡ii †ÿ‡Î t wnmve cwiPvjbvKvixi bvg I ¯^vÿi Ges †UªW jvB‡mÝ| RvZxq
cwiPqcÎ I AvqKi mbv³KiY b¤^i (TIN) Aek¨B Rgv w`‡Z n‡e|
L) Askx`vix Kviev‡ii †ÿ‡Î t Askx`vix e¨emv‡qi Pyw³cÎ, †UªW jvB‡mÝ, wnmve cwiPvjbvKvix e¨w³i
bvg I ¯^vÿi Ges G m¤úwK©Z Askx`vi‡`i mfvq M„nxZ wm×v‡šÍi Kwc| RvZxq cwiPqcÎ I AvqKi
mbv³KiY b¤^i (TIN) Aek¨B Rgv w`‡Z n‡e
M) †Kv¤úvwbi †ÿ‡Î t ¯§viKwjwc, cwi‡gj wbqgvewj, Kvh©vi‡¤¢i AbygwZcÎ, wbeÜbcÎ, wnmve
cwiPvjbvKvix e¨w³i bvg I ¯^vÿi Ges †Kv¤úvwbi mfvq G m¤úwK©Z wm×v‡šÍi Kwc| RvZxq cwiPqcÎ
I AvqKi mbv³KiY b¤^i (TIN) Aek¨B Rgv w`‡Z n‡e
N) mgevq mwgwZi †ÿ‡Î t †UªW jvB‡mÝ, wbeÜbcÎ, Dc-wewa, wnmve cwiPvjbvKvix e¨w³i bvg I ¯^vÿi
Ges mwgwZi mfvq G m¤úwK©Z wm×v‡šÍi Kwc| TIN Aek¨B Rgv w`‡Z n‡e|
O) ¯‹zj, K‡jR, K¬ve mwgwZ Ges mvgvwRK msMV‡bi †ÿ‡Î t wnmve cwiPvjbvKvix e¨w³i bvg I ¯^vÿi
Ges cwiPvjbv KwgwU ev Kvh©wbe©vnx cwil‡`i mfvq G m¤úwK©Z wm×v‡šÍi Kwc|
D‡jøL¨ †h, K¬ve ev mvgvwRK msMV‡bi †ejvq mÂqx wnmve †Lvjv †M‡jI e¨emvq cÖwZôv‡bi †ejvq mÂqx
wnmve †Lvjv hvq bv, PjwZ wnmve Lyj‡Z nq| Z‡e B`vwbs e¨vsK¸‡jv Zv‡`i‡K Short Notice Deposit
(SND) wnmve †Lvjvi my‡hvM w`‡q _v‡K|
5. Av‡e`bcÎ Rgv `vb (Submission of application form) t GB ch©v‡q Av‡e`bKvix‡K c~iYK…Z Av‡e`bcÎ,
bgybv¯^vÿi KvW© Ges cÖ‡qvR‡b cÖ‡qvRbxq `wjjmg~n wnmve †Lvjvi `vwq‡Z¡ wb‡qvwRZ Kg©KZ©vi wbKU Rgv
w`‡Z nq| c~iYK…Z dig Ges mshy³ mKj Z_¨vw`‡Z mšÍzó n‡j wZwb GKwU wnmve bv¤^vi eivÏ K‡i Zv
Av‡e`b cÎ Ges bgybv ¯^vÿi Kv‡W©i wbw`©ó ¯’v‡b wjwce× K‡ib| AZtci g¨v‡bRvi Av‡e`bc‡Î ¯^vÿi
K‡ib Ges Gi mv‡_ mv‡_B Av‡e`bKvix wnmve †Lvjvi AbygwZ cÖvß nq| D‡jøL¨ †h, wnmve †Lvjvi Av‡M
e¨vsK Av‡e`bKvixi mKj Z_¨ hvPvB K‡ib| G‡K Know your customer (KYC) e‡j|
6. Rgvi iwm` msMÖn Ges cÖv_wgK RvgvbZ Rgv t wnmve †Lvjvi AbygwZ cÎ cvevi ciB Av‡e`bKvix UvKv Rgv
†`qvi iwm` msMÖn K‡i Zv c~iY K‡i cÖv_wgK Rgv Zvi bv‡g eivÏK…Z wnmv‡e Rgv †`q| cÖv_wgK Rgv G‡KK
e¨vs‡K G‡KK iKg| Z‡e MÖvgv‡j 10 UvKv w`‡qI mÂqx wnmve †Lvjvi my‡hvM i‡q‡Q|

BDwbU 4 c„ôv 74
 wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ

7. †PK cÖ`vb t cÖv_wgK AvgvbZ e¨vs‡K Rgv †`qvi ci e¨vsK AvgvbZKvix‡K UvKv DVv‡bvi myweavi Rb¨ †PK
eB Ges UvKv Rgv I DVv‡bvi wnmve msiÿ‡Yi Rb¨ cvm eB cÖ`vb K‡i _v‡K|
Dch©y³ cÖwµqvq PjwZ I mÂqx wnmve †Lvjvi Kvh©µg mgvß nq Ges AvgvbZKvix e¨vs‡Ki MÖvn‡K cwiYZ
nq|

L) ¯’vqx wnmve †Lvjvi c×wZ (Procedure of Opening Fixed Account)

hv‡`i nv‡Z cÖPyi A_© i‡q‡Q wKšÍz Zv e¨emv‡q wewb‡qv‡M fq cvq, Zv‡`i Rb¨ ¯’vqx wnmve me‡P‡q Dc‡hvMx|
Avmyb ¯’vqx wnmve †Lvjvi c×wZ †R‡b wbBÑ
1. Av‡e`bcÎ msMÖn t ¯’vqx wnmve †Lvjvi Rb¨ wbe©vwPZ kvLvi `vwqZ¡cvÖ ß Kg©KZ©vi wbKU †_‡K wba©vwiZ
Av‡e`bcÎ msMÖn Ki‡Z nq|
2. Av‡e`bcÎ c~iY t Av‡e`‡bi wba©vwiZ ¯’v‡b bvg, wcZv-gvZv /¯^vgxi bvg, wVKvbv, †ckv, RvZxqZv, Avgvb‡Zi
cwigvY, KvswLZ †gqv` BZ¨vw` Z_¨ wjwce× K‡i ¯^vÿi`vb Ki‡Z nq| cÖwZôv‡bi †ÿ‡Î Av‡e`bc‡Îi mv‡_
cÖ‡qvRbxq `wjj I KvMRcÎ Rgv w`‡Z nq|
3. Av‡e`bcÎ Rgv t my›`ifv‡e c~iYK…Z Av‡e`bcÎ Gevi `vwqZ¡-cÖvß Kg©KZ©vi wbKU Rgv w`‡Z nq|
4. AbygwZ Ges Rgvi iwm` msMÖn t `vwqZ¡cvÖ ß Kg©KZ©v c~iYK…Z dig I mv‡_ mshy³ mKj Z‡_¨ mšÍzó n‡j
wnmve †Lvjvi AbygwZ cÖ`vb K‡ib| AZtci Av‡e`bc‡Î DwjøwLZ A_© MÖn‡Yi Rb¨ GKwU iwm` cÖ`vb K‡ib|
5. A_© MÖnY Ges ¯’vqx Rgvi iwm` cÖ`vb t GB ch©v‡q c~iYK…Z UvKv Rgvi iwm`wU wba©vwiZ A_©mn `vwqZ¡cvÖ ß
Kg©KZ©v MÖnY K‡i iwm‡` GKwU bv¤^vi cÖ`vb K‡ib Ges Zvi ¯’vqx wnmve †iwR÷v‡i wjwce× K‡i| AZtci
bv¤^vihy³ ¯’vqx Rgv iwm`wU (FDR) AvgvbZKvix‡K n¯ÍvšÍi K‡i|
GB iwm‡` UvKvi cwigvY, Rgvi †gqv`, my‡`i nvi, RgvKvixi bvg, wVKvbv, ¯^vÿimn Ab¨vb¨ wbqgKvbyb
wjwce× _v‡K| AvgvbZKvix G iwk` †gqv` †k‡l e¨vs‡K Dc¯’vcb Ki‡j e¨vsK my` ev gybvdvmn mKj A_©
cÖ`vb K‡i|

e¨vsK wnmv‡e UvKv Rgv †`qvi c×wZ (Procedure of Depositing Money in Bank Account)
wnmv‡e UvKv †`Iqvi Rb¨ wba©vwiZ iwk` msMÖn Ki‡Z nq| AvgvbZKvix msM„nxZ iwm‡`i gva¨‡g †m bM` UvKv,
†PK, ûwÛ, wewbgq wej, †c-AW©vi, cÖwZÁvcÎ BZ¨vw` Rgv w`‡q _v‡K| mvaviYZ Rgv iwm‡`i cvZv `yB fv‡M
wef³ _v‡K| cÖwZwU As‡k GKB welq I Z_¨vw` wjLv _v‡K| wba©vwiZ ¯’vbmg~‡n RgvKvix‡K wjL‡Z nq; RgvKvixi
bvg, wnmve bv¤^vi, ZvwiL, UvKvi cwigvY (As‡K I K_vq) BZ¨vw`| bM` UvKv Rgvi †ÿ‡Î RgvK…Z UvKvi †bv‡Ui
g~j¨gvb Abyhvqx msL¨v D‡jøL Ki‡Z nq|
e¨vsK n‡Z UvKv D‡Ëvjb c×wZ (Procedure of withdrawal)
wewfbœ wnmv‡ei UvKv D‡Ëvj‡bi Rb¨ wewfbœ c×wZ AbymiY Kiv nq| Avmyb †m¸‡jv †R‡b wbBÑ
K) PjwZ wnmve t G wnmve †_‡K †P‡Ki gva¨‡g Kvh© w`e‡m h‡Zvevi Lywk UvKv D‡Ëvjb Kiv hvq| GRb¨
10, 25 ev 50 cvZvi †PKewn mieivn Kiv nq|
L) mÂqx wnmve t †PKm‡gZ mÂqx wnmve †_‡K †P‡Ki gva¨‡g Ges †PKwenxb mÂqx wnmve †_‡K A_©
D‡Ëvj‡bi wba©vwiZ iwm‡`i gva¨‡g mßv‡n gvÎ `yB evi UvKv D‡Ëvjb Kiv hvq|
M) ¯’vqx wnmve t ¯’vqx wnmv‡e mvaviYZ wbw`©ó †gqv` †kl bv n‡j Zv †_‡K A_© D‡Ëvjb Kiv hvq bv| Z‡e
Riæix cÖ‡qvR‡b †gqv` †k‡li c~‡e©I we‡kl e¨e¯’vq G wnmve †_‡K UvKv D‡Ëvjb Kiv hvq| G †ÿ‡Î
my` ev gybvdv cvIqv hvq bv ev Kg nv‡i cvIqv hvq|

BDwbU 4 c„ôv 75
GBPGmwm †cÖvMÖvg

wnmve eÜ Kivi c×wZ ( Procedure of Closing Account )

†Kvb MÖvnK Zvi e¨vsK wnmve (PjwZ ev ¯’vqx) eÜ Ki‡Z AvMÖnx n‡j e¨vs‡Ki g¨v‡bRvi eivei mv`v KvM‡R
Av‡e`b Ki‡Z nq Ges mv‡_ cvm eyK I Ae¨eüZ †PKeBwU †dir w`‡Z nq| GKB mv‡_ AvgvbZKvixi wnmveI
LwZqvb c„ôvq Ôwnmve eÜ' K_vwU wj‡L ivLv nq| wewfbœ Kvi‡Y Ggwb‡ZB wnmve eÜ n‡q hvq: †hgb, g‡°‡ji g„Zz¨
n‡j, †m cvMj ev †`Dwjqv n‡j, wnmve eÜ Kivi †bvwUk w`‡j, 3q e¨w³i wbKU wnmv‡ei A_© n¯ÍvšÍi Ki‡j,
Av`vj‡Zi wb‡lavÁv Rvwi n‡j BZ¨vw`| cywjk Av`vj‡Zi wb‡`©‡k mvgwqKfv‡e wnmv‡ei †jb‡`b eÜ Ki‡Z cv‡i|

wkÿv_©xi KvR

mvims‡ÿc:
PjwZ I mÂqx wnmve †Lvjvi c×wZi g‡a¨ i‡q‡Q Av‡e`bcÎ msMÖn I c~ib, bgybv ¯^vÿi KvW© c~iY, cÖ‡qvRbxq
`wjjcÎ Rgv`vb, Rgvi iwm` msMÖn I cÖv_wgK AvgvbZ Rgv Ges †PK I cvm ewn cÖ`vb| Aci w`‡K ¯’vqx
wnmve †Lvjvi c×wZi g‡a¨ i‡q‡Q Av‡eb`cÎ msMÖn, Zv c~iY I Rgv`vb, AbygwZ I Rgvi iwm` msMÖn Ges
A_© MÖnY I ¯’vqx Rgvi iwm` cÖ`vb| h_vh_fv‡e dig c~iY K‡iB bM` UvKv, †PK, wewbgq wej, †c-AW©vi
BZ¨vw` Rgv †`qv hvq| Rgv †kl n‡j RgvKvix e¨vsK †_‡K Rgv iwm‡`i cvi‡cv‡iwUs Gi evg Ask ev KvD›Uvi
cvU© MÖnY K‡i _v‡K| PjwZ I mÂqx wnmve †_‡K †P‡Ki gva¨‡g UvKv D‡Ëvjb Kiv hvq|

cv‡VvËi g~j¨vqb-4.2

mwVK Dˇii cv‡k wUK (√ √) wPý w`b|

1. ‡Kv¤úvwb wnmve Lyj‡Z wb‡Pi †KvbwU mswkøó bq?
K. ‡UªW jvB‡mÝ L. Pzw³cÎ
M. wbeÜb cÎ N. ¯§viK wjwc
2. KYC Kx?
K. Know your client L. Know your cook
M. Know our character N. Know your customer
3. MÖvnK‡K h‡_ófv‡e Rvb‡Z wnmve Lyj‡Z Av‡e`bc‡Îi mv‡_ †h dg© cÖ`Ë nq Zv‡K Kx e‡j?
K. AYC dg© L. KYC dg©
M. YKC dg© N. YAC dg©
4. ‡Kvb AvBb cÖeZ©‡bi d‡j e¨vsK wnmve Lyj‡Z KYC dg© c~iY eva¨Zvg~jK Kiv n‡q‡Q?
K. e¨vsK †Kv¤úvwb AvBb L. n¯ÍvšÍi‡hvM¨ `wjj AvBb
M. e¨emvq AvBb N. gvwb jÛvwis AvBb
5. e¨vsKvi I MÖvn‡Ki g‡a¨ m¤ú‡K©i wfwË n‡jv-
K. ‡PK L. e¨vsK wnmve
M. e¨vsK WªvdU N. ATM KvW©

BDwbU 4 c„ôv 76
 wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ

6. GKwU e¨vsK wnmve eÜ n‡Z cv‡i-

i. MÖvnK B”Qv Ki‡jB
ii. e¨vs‡Ki B”Qvq
iii. Av`vj‡Zi wb‡`©‡k
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii
7. GKRb e¨emvqx e¨vsK wnmve †Lvjvi mgq we‡ePbv Ki‡eb-
i. e¨vs‡Ki Ae¯’vb
ii. ‡mevi gvb
iii. e¨vs‡Ki mybvg
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii
8. e¨vsK †_‡K A_© D‡Ëvjb Kiv hvq-
i. ‡P‡Ki gva¨‡g
ii. ‡WweU Kv‡W©i gva¨‡g
iii. ‡µwWU Kv‡W©i gva¨‡g
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii

BDwbU 4 c„ôv 77
GBPGmwm †cÖvMÖvg

cvV-4.3 wnmv‡ei cÖKvi‡f` I mwVK wnmve wba©viY

D‡Ïk¨
G cvV †k‡l Avcwb-

e¨vs‡Ki ¸iæZ¡ eY©bv Ki‡Z cvi‡eb|

e¨vs‡Ki Kvh©vejx Av‡jvPbv Ki‡Z cvi‡eb|

wnmv‡ei cÖKvi‡f` I mwVK wnmve wba©viY

e¨vsK wnmv‡ei cÖKvi‡f` (Types of Bank Account)
c~‡e©i cv‡V Avcwb †R‡b‡Qb †h, e¨vsK cÖavbZ wZb ai‡bi wnmve cwiPvjbv K‡i| G QvovI e¨vsK we‡kl ai‡bi
wnmve Ly‡j _v‡K| h_vt
1. PjwZ wnmve (Current Account)
2. mÂqx wnmve (Savings Account)
3. ¯’vqx wnmve (Fixed Account)
4. we‡kl ai‡bi wnmve (Special Types of Account)
wb‡P G¸‡jv m¤ú‡K© Av‡jvPbv Kiv n‡jv t
1. PjwZ wnmve (Current Account) t †h wnmv‡e h‡Zvevi Lywk UvKv Rgv †`qv Ges D‡Ëvjb Kiv hvq Zv‡K
PjwZ wnmve e‡j| b~¨bZg UvKv Rgv w`‡q G wnmve †Lvjv hvq| mvaviYZ e¨emvqx, wkícwZ, ¯‹zj, K‡jR,
wek¦we`¨vjq Ges Ab¨vb¨ e¨emvq, Ae¨emvq cÖwZôvb GB wnmve Ly‡j _v‡K| ÒPjwZ wnmve n‡jv Ggb GKwU wnmve
†hLv‡b e¨vsK Lye Kg my` cÖ`vb K‡i ev †Kvb my` cÖ`vb K‡i bv Ges †hLvb †_‡K MÖvnK hLb cÖ‡qvRb g‡b K‡i
ZLbB UvKv D‡Ëvjb Ki‡Z cv‡i|Ó
wnmv‡ei cÖK…wZ Abyhvqx PjwZ wnmve‡K 2wU fv‡M fvM Kiv hvq| h_vt
K) mvaviY PjwZ wnmve t PjwZ wnmve ej‡Z g~jZt mvaviY PjwZ wnmve‡KB eySv‡bv nq| GB wnmv‡e MÖvnK
h‡Zvevi Lywk UvKv Rgv w`‡Z Ges D‡Ëvjb Ki‡Z cv‡i| G wnmv‡ei g‡°j †Kvb my` cvq bv|
L) we‡kl PjwZ wnmve t †h PjwZ wnmv‡ei gva¨‡g AvgvbZKvix e¨vsK‡K cÖwZkªæwZ cÖ`vb K‡i †h, wbw`©ó mg‡qi
g‡a¨ wnmve †_‡K UvKv D‡Ëvjb Ki‡e bv, Zv‡K we‡kl PjwZ wnmve e‡j| GB wnmve †_‡K UvKv DVv‡bvi Rb¨ 7
†_‡K 21 w`‡bi †bvwUk w`‡Z nq| GBiƒc wnmve‡K Short term Deposit or Special Time Deposit (STD)
wnmveI ejv nq| G wnmv‡e my` cvIqv hvq| PjwZ wnmv‡ei g~j myweav n‡jv AvgvbZKvix Kvh©w`e‡m h‡Zvevi Lywk
GB wnmv‡e UvKv Rgv w`‡Z Ges G †_‡K D‡Ëvjb Ki‡Z cv‡i| cÖavb mgm¨v n‡jv, me mgq GKwU b~¨bZg UvKv
e¨vsK wnmv‡e Rgv ivL‡Z nq Ges Gi Kg n‡j e¨vsK‡K PvR© w`‡Z nq|
2. mÂqx wnmve (Savings account) t bM` A_© nv‡Z bv †i‡L e¨vs‡K m‡qi jÿ¨ I D‡Ïk¨ wb‡q †h wnmve
†Lvjv nq, Zv‡K mÂqx wnmve ejv nq| mgv‡Ri PvKzixRxex I wbw`©ó Av‡qi ga¨weË Ges wb¤œweË †jvK‡`i m‡qi
jÿ¨ I D‡Ïk¨ wb‡q GB wnmve †Lvjvi e¨e¯’v Kiv nq| evwYwR¨K e¨vsK¸‡jv‡Z MÖvgv‡j 10 UvKv Ges kniv‡j
100 UvKv Rgv w`‡q Ges wba©vwiZ dig c~iY K‡i GB wnmve †Lvjv hvq| GB wnmv‡e w`‡b h‡Zvevi Lywk UvKv Rgv
†`qv hvq| Z‡e mvaviYZ mßv‡n `yBevi GB wnmve †_‡K UvKv D‡Ëvjb Kiv hvq Ges Gi †ewk ev‡ii Rb¨ e¨vsK
g¨v‡bRv‡ii AbygwZ wb‡Z nq| Aci w`‡K e¨vs‡Ki g¨v‡bRv‡ii c~ev© bygwZ Qvov AvgvbZKvix Zvi wnmve †_‡K
GKev‡i wbw`©ó cwigv‡Yi AwZwi³ UvKv D‡Ëvjb Ki‡Z cv‡i bv|

BDwbU 4 c„ôv 78
 wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ

mÂqx wnmv‡ei †kªYx web¨vm (Types of savings account)

mvaviY mÂqx wnmv‡ei cvkvcvwk wKQy we‡kl mÂqx wnmveI cÖPwjZ i‡q‡Q| mÂqx wnmv‡ei Kvh© cÖK…wZ I †mevi
ai‡bi Av‡jv‡K Avgiv G‡K wb‡¤œv³iƒ‡c web¨¯Í Ki‡Z cvwi| h_v-
K)M„n-mÂqx wnmve (Home savings account)
L) ¯‹zj mÂqx wnmve (School savings account)
M) kªwgK mÂqx wnmve (Workers savings account)
N) gwnjv mÂqx wnmve (Women's savings account)
O) †cbkb mÂqx wnmve (Pension savings account)
P) µg-mÂqx AvgvbZ wnmve (Cumulative savings deposit account)
wb‡P G¸‡jv Av‡jvPbv Kiv n‡jv t
K) M„n-mÂqx wnmve (Home Savings Account) t †h wnmv‡ei gva¨‡g cwiev‡ii cÖwZwU m`m¨ N‡i e‡m UvKv-
cqmv m‡qi my‡hvM cvq, Zv‡K M„nmÂqx wnmve e‡j| GB e¨e¯’vq e¨vsK g‡°j‡`i cÖZxKx e¨vsK †hgb- wQ`ªhy³
Zvjve× I mxj Kiv ev· ev †KŠUv mieivn K‡i Ges AvgvbZKvix Ges Zvi cwiev‡ii m`m¨MY B‡”Qg‡Zv
G¸‡jv‡Z UvKv-cqmv XzwK‡q iv‡L| wbw`©ó mgq ci-ci e¨vs‡Ki `vwqZ¡cvÖ ß Kg©Pvwi g‡°‡ji M„‡n wM‡q ev· Ly‡j
UvKv wb‡q Av‡m Ges Zvi (g‡°‡ji) wbw`©ó wnmv‡e Rgv K‡i| Avgv‡`i †`‡k Giƒc e¨e¯’v †bB| mvaviYZ wb¤œ
Av‡qi †jvKRb †hgb wiKkvPvjK, kªwgK, M„wnbx BZ¨vw` †kªYxi †jv‡Ki Rb¨ GwU we‡kl Dc‡hvMx wnmve|
L) ¯‹zj mÂqx wnmve (School Savings Account) t ¯‹zj I K‡j‡Ri QvÎ-QvÎx‡`i m‡q Drmvnx I Gi Af¨vm
m„wó Kivi jÿ¨ I D‡Ïk¨ wb‡q †h e¨vsK wnmve †Lvjvi e¨e¯’v Kiv nq, Zv‡K ¯‹zj mÂqx wnmve e‡j| GB †ÿ‡Î
¯‹zj K‡j‡R e¨vs‡Ki kvLv †Lvjv nq Ges Zv‡Z QvÎ-QvÎxiv Zv‡`i mwÂZ A_© Rgv †`q| e¨vsK †_‡K QvÎ-QvÎx‡`i
†PK eB †`qv nq Ges Zv w`‡q Zviv UvKv D‡Ëvjb Ki‡Z cv‡i| mvaviYZ wUwdb e¨q Ges Ab¨vb¨ e¨q n«vm K‡i
QvÎ-QvÎxiv Zv‡`i A_© GB wnmv‡e Rgv K‡i|
M) kªwgK mÂqx wnmve (Worker's Savings Account) t kªwgK mgvR‡K m‡q DrmvwnZ Kivi Rb¨ Giƒc wnmve
†Lvjvi e¨e¯’v Kiv nq| mvaviYZ wkív‡j Aew¯’Z evwYwR¨K e¨vsK¸‡jv kªwgK‡`i Rb¨ GB wnmve Ly‡j _v‡K|
kªwgKiv Zv‡`i ¯^í ¯^í mÂq GB wnmv‡e Rgv K‡i|
N) gwnjv mÂqx wnmve (Woman's Savings Account) t GB cš’vq e¨vsK gwnjv‡`i m‡q Drmvn-Aby‡cÖiYv
m„wói Rb¨ ïaygvÎ gwnjv‡`i Øviv e¨vs‡Ki c„_K kvLv ev wefvM cwiPvjbv K‡i _v‡K| d‡j c`©vbmxbmn mKj
†kªYxi gwnjv GLv‡b wnmve cwiPvjbvq ¯^v”Q›`¨ †eva K‡i| Avgv‡`i †`‡ki KwZcq evwYwR¨K e¨vsK gwnjv‡`i
†mev`v‡bi Rb¨ gwnjv kvLv Ly‡j‡Q|
O) †cbkb mÂqx wnmve (Pension Savings Account) t †h wnmv‡e cÖwZgv‡m wbw`©ó cwigvY A_© wbqwgZ Rgv
w`‡q wbw`©ó mgq ci GKKvjxb ev wKw¯ÍwfwËK A_© cÖ`v‡bi my‡hvM †`qv nq, Zv‡K †ckb mÂqx wnmve e‡j| GBiƒc
wnmve‡K wW‡cvwRU †cbkb ¯‹xgI ejv nq| MÖvnK Zvi myweav g‡Zv 5, 10 ev 20 erm‡ii Rb¨ Giƒc mÂqx wnmve
Ly‡j _v‡K|
P) µg-mÂqx AvgvbZ wnmve (Cumulative Savings Deposit Account) t cvwievwiK ev e¨w³MZ †Kvb we‡kl
e¨q wbe©vn Kivi D‡Ïk¨ wb‡q GBiƒc wnmve †Lvjv nq| GB wnmv‡e cÖwZgv‡m µgvb¦‡q UvKv Rgv †`qv nq Ges
wbw`©ó ermi †k‡l Zv D‡Ëvjb K‡i cÖ‡qvRb c~iY Kiv nq| †hgb- †Q‡j‡g‡qi covïbv I we‡qkv`x, evox ˆZwi,
Mvwo µq, nR¡eZ ª cvjb BZ¨vw` Kvh©vw` m¤úv`‡bi Rb¨ µg-mÂqx AvgvbZ wnmve †Lvjv nq|
3. ¯’vqx wnmve (Fixed account) t e¨vsK I g‡°‡ji g‡a¨ wØ-cvwÿK Pyw³i gva¨‡g †h wnmv‡e wbw`©ó †gqv‡`i Rb¨
A_© Rgv ivLv nq Ges mvaviYZ †gqv` c~wZ©i c~‡e© A_© D‡Ëvjb Kiv hvq bv, Zv‡K ¯’vqx ev †gqv`x wnmve ejv nq|
wZb gvm †_‡K ïiæ K‡i m‡e©v”P 5 ermi mg‡qi Rb¨ GB wnmv‡e UvKv Rgv ivLv hvq| GB wnmv‡e mwÂZ

BDwbU 4 c„ôv 79
GBPGmwm †cÖvMÖvg

Avgvb‡Zi Dci m‡e©v”P my` ev gybvdv †`qv nq| Z‡e †gqv‡`i cwigv‡Yi Dci nvi Kg-†ewk n‡q _v‡K| GB
wnmv‡e A_© Rgv ivLvi ¯^xK…wZ ¯^iƒc e¨vsK g‡°j‡K GKwU ¯’vqx AvgvbZ iwk` (Fixed Deposit Receipt ev RDR)
cÖ`vb K‡i| †gqv` †k‡l AvgvbZKvix Zv fvswM‡q UvKv D‡Ëvjb K‡i _v‡K| Z‡e we‡kl cÖ‡qvR‡b AwMÖg †bvwUk
w`‡q AvgvbZKvix Zv fvsMv‡Z cv‡i| G‡ÿ‡Î †m †Kvb gybvdv cvq bv| eis Dëvfv‡e e¨vsK wKQy PvR© †K‡U iv‡L|
G‡ÿ‡Î AvgvbZKvix g‡b Ki‡j e¨vsK †_‡K mwÂZ Avgvb‡Zi m‡e©v”P 80% ch©šÍ FY MÖnY Ki‡Z cv‡i| D‡jøL¨
†h, b~¨bZg 1,000 UvKv e¨vs‡K Rgv w`‡q ¯’vqx wnmve †Lvjv hvq| ZvB hv‡`i wbKU cÖPyi A_© i‡q‡Q; wKšÍz
jvfRbK wewb‡qvM SzuwKc~Y© e‡j g‡b K‡i ZvivB GB wnmv‡e wbwð‡šÍ A_© wewb‡qvM K‡i _v‡K| G wnmve bv fvw½‡q
bevqbI Kiv hvq|
we‡kl †gqv`x ¯’vqx wnmve t g‡°j‡`i myweavi Rb¨ hLb 7 w`b ev wbw`©ó ¯^í mg‡qi †bvwU‡ki g‡a¨ A_© D‡Ëvj‡bi
my‡hvM †`qv nq, ZLb Giƒc ¯’vqx wnmve‡K we‡kl †gqv`x ¯’vqx wnmve ejv nq| GBiƒc wnmv‡e UvKv Rgv †`qvi
†Kvb wbw`©ó mgq _v‡K bv, my‡`i nvi Kg nq Ges UvKv D‡Ëvj‡bi Rb¨ †PK eB mieivn Kiv nq| †h‡Kvb g‡°j
B‡”Q Ki‡j GB wnmv‡ei myweav MÖnY Ki‡Z cv‡i|
4. we‡kl ai‡bi wnmve (Special types of account) t Dc‡i wnmv‡ei cÖavb wZbwU †kªwY wb‡q we¯ÍvwiZ Av‡jvPbv
Kiv n‡jv| G wZbwU †kªwY QvovI †hme wnmv‡ei gva¨‡g MÖvnK‡`i †mev †`qv hvq Zv‡K we‡kl ai‡bi wnmve ejv
nq| we‡kl ai‡bi wnmve‡K wb¤œiƒ‡c †kªwYweb¨vm Kiv hvq t
K. wW‡cvwRU †cbkb ¯‹xg L. WvKNi mÂqx wnmve
M. exgv mÂqx wnmve N. †cŠbtcywbK wnmve
O. FY AvgvbwZ wnmve P. ˆe‡`wkK gy`vª wnmve
Q. ˆe‡`wkK gy`ªv †gqv`x wnmve
wb‡P G mKj wnmve m¤ú‡K© Av‡jvPbv Kiv n‡jvt
K. wW‡cvwRU †cbkb ¯‹xg t e¨vsK hLb Zvi †Kvb MÖvnK‡K cÖwZgv‡m GKwU wbw`©ó cwigvY UvKv GKwU wbw`©ó †gqv`
ch©šÍ mÂq †k‡l GK‡hv‡M ev wKw¯Í‡Z D‡Ëvj‡bi my‡hvM cÖ`vb K‡i, Zv‡K wW‡cvwRU †cbkb ¯‹xg e‡j| GB
wnmv‡ei Aax‡b cÖwZgv‡m me©wb¤œ 100 (GKkZ) UvKv cÖwZ gv‡m 10 ev 20 ermi †gqv‡` Rgv †`qv hvq| †gqv`
c~wZ©i Av‡MB AvgvbZKvix UvKv D‡Ëvjb Ki‡Z PvB‡j mÂqx wnmv‡ei b¨vq my` †c‡q _v‡K|
L. WvKNi mÂqx wnmve t WvKN‡ii gva¨‡g GB wnmve †Lvjv I cwiPvjbv Kiv nq| cÖwZwU WvKN‡i Giƒc wnmve
†Lvjvi weavb i‡q‡Q| WvKN‡i gvÎ 100 (GKk) UvKv Rgv w`‡qB GBiƒc wnmve †Lvjv hvq| GB mÂqx wnmv‡e
my‡`i nvi †h †Kvb wnmv‡ei †P‡q †ekx| GK bv‡g GKB wnmv‡e wbw`©ó As‡Ki †ewk UvKv ivLv hvq bv| my‡`i nvi
miKvix bxwZgvjvi cwieZ©‡bi Kvi‡Y gv‡S gv‡S cwiewZ©Z n‡Z cv‡i|
M. exgv mÂqx wnmve t GB wnmv‡ei gva¨‡g mÂqx wnmv‡ei cvkvcvwk exgvi myweavI cÖ`vb Kiv nq| G‡ÿ‡Î 18
†_‡K 49 ermi eqmx †h‡Kvb my¯’ gvbyl (cyiæl ev gwnjv) wbw`©ó cwigvY UvKv wbqwgZ Rgv w`‡q mÂqx wnmv‡ei
myweavmn exgv myweav †c‡q _v‡K| Zvn‡j Avgiv ej‡Z cvwi, †h wnmv‡ei gva‡g mÂqx wnmv‡ei mv‡_ mv‡_ exgv
myweavI †fvM Kiv hvq Zv‡K exgv mÂqx wnmve ejv nq| GBiƒc wnmve Gi gva¨‡g wnmve MÖnxZv ev Zvi g‡bvbxZ
e¨w³‡K Pyw³i kZ©vbyhvqx Amy¯’Zv, `yN©Ubv ev g„Zz¨i wec‡ÿ exgv myweav cÖ`vb Kiv nq| Avgvb‡Zi cwigvY h‡Zv
†ekx nq, cieZx©‡Z cÖvc¨ myweavi cwigvYI Z‡Zv †ekx nq|
N. †cŠbtcywbK wnmve t AvgvbZKvix †h wnmv‡ei gva¨‡g GKwU wbw`©ó mg‡qi g‡a¨ evievi UvKv Rgv w`‡Z cv‡i
Ges Pyw³i kZ© †gvZv‡eK †gqv` †k‡l GKevi A_ev wKw¯Í‡Z UvKv DVv‡Z cv‡i Zv‡K †cŠbtcywbK wnmve ejv nq|
UvKv D‡Ëvj‡bi my‡hvM Kg _vKvq mÂqx wnmv‡ei †P‡q GB wnmv‡e †ekx nv‡i my` cvIqv hvq|
O. FY AvgvbwZ wnmve t e¨vsK hLb FY MÖnxZv‡K bM‡` FY bv w`‡q wnmv‡ei gva¨‡g cÖ`vb K‡i, ZLb Zv‡K FY
AvgvbwZ wnmve ejv nq| GB e¨e¯’vq FY MÖnxZv‡K FY MÖn‡Yi D‡Ï‡k¨ e¨vs‡K GKwU wnmve Lyj‡Z nq Ges D³

BDwbU 4 c„ôv 80
 wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ

wnmv‡ei gva¨‡g e¨vsK FY cÖ`vb K‡i| FYMÖnxZv D³ wnmve †_‡K cÖ‡qvR‡bi Av‡jv‡K †P‡Ki gva¨‡g A_© D‡Ëvjb
K‡i|
P. ˆe‡`wkK gy`ªv wnmve t we‡`‡k PvKzixiZ †Kvb e¨w³ †h wnmv‡ei gva¨‡g †`‡k-A_© †cÖiY I Rgv K‡i, Zv‡K
ˆe‡`wkK gy`ªv wnmve ejv nq| cÖevmx e¨w³ Zvi PvKzwii KvMRcÎvw` Rgv w`‡q GBiƒc wnmve Ly‡j| G‡ÿ‡Î †Kvb
cÖviw¤¢K Rgvi cÖ‡qvRb nq bv| AvgvbZKvix ev Zvi g‡bvbxZ †`kxq e¨w³ Øviv Giƒc wnmve cwiPvwjZ nq| G
wnmv‡ei Dci wba©vwiZ nv‡i my` †`qv nq|
Q. ˆe‡`wkK gy`ªv †gqv`x wnmve t we‡`‡k Kg©iZ e¨w³ †h wnmv‡ei gva¨‡g ˆe‡`wkK gy`vª h_vt Wjvi, cvDÛ, BD‡iv
BZ¨vw` wbw`©ó †gqv‡`i Rb¨ Rgv Ki‡Z cv‡i, Zv‡K ˆe‡`wkK gy`vª †gqv`x wnmve e‡j| Kgc‡ÿ 2 gvm †_‡K
m‡e©v”P GK ermi †gqv‡` GB wnmv‡e cvDÛ Ges Wjvi Rgv †`qv hvq| †gqv` †k‡l my`mn Avmj ˆe‡`wkK gy`vª
cvIqv hvq|
DwjøwLZ wnmve¸‡jvi gva¨‡g e¨vsK Zvi MÖvnK‡`i cÖ‡qvRb I cwiw¯’wZi Av‡jv‡K wewfbœ cÖKvi †mev`vb K‡i
_v‡K| e¨vs‡Ki †mevi cwigvY h‡Zv e„w× cvq, Gi AvgvbZ Ges FY`vb ÿgZvI Z‡Zv e„w× cvq|

wkÿv_©xi KvR wZb cÖKvi wnmv‡ei weeiY LvZvq wjLyb|

mvims‡ÿc:
†h PjwZ wnmv‡ei gva¨‡g AvgvbZKvix e¨vsK‡K cÖwZkªæwZ cÖ`vb K‡i †h, wbw`©ó mg‡qi g‡a¨ wnmve †_‡K UvKv
D‡Ëvjb Ki‡e bv, Zv‡K we‡kl PjwZ wnmve e‡j| bM` A_© nv‡Z bv †i‡L e¨vs‡K m‡qi jÿ¨ I D‡Ïk¨ wb‡q
†h wnmve †Lvjv nq, Zv‡K mÂqx wnmve ejv nq| †h wnmv‡ei gva¨‡g cwiev‡ii cÖwZwU m`m¨ N‡i e‡m UvKv-
cqmv m‡qi my‡hvM cvq, Zv‡K M„nmÂqx wnmve e‡j| e¨vsK I g‡°‡ji g‡a¨ wØ-cvwÿK Pyw³i gva¨‡g †h
wnmv‡e wbw`©ó †gqv‡`i Rb¨ AZ© Rgv ivLv nq Ges mvaviYZ †gqv` c~wZ©i c~‡e© A_© D‡Ëvjb Kiv hvq bv, Zv‡K
¯’vqx ev †gqv`x wnmve ejv nq|

cv‡VvËi g~j¨vqb-4.3

√) w`b|
mwVK Dˇii cv‡k wUK (√
1. ‡Kvb ai‡bi wnmv‡e e¨vsK †Kvb jvf ev my` †`qv bv?
K. PjwZ L. we‡kl PjwZ
M. mÂqx N. ¯’vqx
2. ‡PK eB cÖ`vb Kiv nq bv †Kvb ai‡bi wnmv‡e?
K. ¯’vqx L. mÂqx
M. PjwZ N. M„n-mÂqx
3. ‡Kvb wnmv‡ei wec‡ÿ e¨vsK RgvwZwi³ FY gÄyi K‡i?
K. PjwZ L. mÂqx
M. ¯’vqx N. FY AvgvbwZ
4. ‡Kvb ai‡bi wnmv‡e gvwjK‡K ATM KvW© mieivn K‡i bv?
K. ¯’vqx L. PjwZ
M. mÂqx N. we‡kl PjwZ

BDwbU 4 c„ôv 81
GBPGmwm †cÖvMÖvg

5. wb‡¤œi †Kvb wnmv‡e my‡`i nvi me‡P‡q Kg?

K. we‡kl PjwZ L. mÂqx
M. ‡cbkb mÂqx N. ¯’vqx
6. me‡P‡q Kg cwigvY A_© w`‡q wb‡Pi †Kvb wnmve †Lvjv hvq?
K. PjwZ L. mÂqx
M. ¯’vqx N. we‡kl PjwZ
7. ‡Kvb wnmv‡e †Kvbiƒc wbKvk myweav cvIqv hvq bv?
K. PjwZ L. mÂqx
M. ¯’vqx N. we‡kl wnmve
8. FY AvgvbZ wnmve †Kvb ai‡bi wnmve?
K. PjwZ L. mÂqx
M. ¯’vqx N. we‡kl
9. wewb‡qvM myweav we‡ePbvq wb‡j e¨vs‡Ki Rb¨ †Kvb ai‡bi wnmve DËg?
K. PjwZ L. mÂqx
M. ¯’vqx N. we‡kl PjwZ
10. ÒnR¡ G¨vKvD›UÓ †Kvb ai‡bi wnmv‡ei D`vni‡YÑ
K. wegv mÂqx L. ‡cbkb mÂqx
M. FY AvgvbZ N. ‡cŠb: cywbK
11. ¯’vqx wnmv‡ei myweav n‡jvÑ
i. G wnmv‡ei my‡`i nvi †ewk ii. Lye mn‡R FY cvIqv hvq
iii. G wnmve †_‡K MÖvnK †ewk Avq Ki‡Z cv‡e
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii
12. mÂqx wnmv‡ei ˆewkô¨ n‡jv-
i. w`‡b hZevi B”Qv UvKv Rgv †`qv hvq ii. w`‡b hZevi B”Qv UvKv DVv‡bv hvq
iii. w¯’i Av‡qi †jvK‡`i Rb¨ Giƒc wnmve DËg
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii
13. ‡PK cÖ`vb Kiv nq-
i. mÂqx wnmve ii. ¯’vqx wnmve
iii. PjwZ wnmve
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii
14. hvi cÖPzi Ajm A_© i‡q‡Q Zvi Rb¨ Dchy³ n‡”Q-
i. ¯’vqx ii. mÂqx
iii. PjwZ
wb‡Pi †KvbwU mwVK?
K. i I ii L. i, ii I iii
M. ii I iii N. i, ii I iii

BDwbU 4 c„ôv 82
 wdb¨vÝ, e¨vswKs I wegv wØZxq cÎ

cvV-4.4 wnmv‡ei †MvcbxqZv

D‡Ïk¨
G cvV †k‡l Avcwb-

wnmv‡ei †MvcbxqZv eY©bv Ki‡Z cvi‡eb|

wnmv‡ei †MvcbxqZv
mÂqx wnmv‡e mwÂZ Avgvb‡Zi cwigvY e¨vsK me mgq †Mvcb iv‡L| d‡j AvgvbZKvix wbwðšÍ _v‡K|
Av`vj‡Zi wb‡`©k Qvov †Kvb e¨w³i e¨vsK wnmv‡ei Z_¨ `ybx© wZ `gb Kwgkb‡KI †`qv hv‡e bv| Z_¨
wb‡Z n‡j Av`vj‡Zi wjwLZ AbygwZ jvM‡e| GB AvBbwU myPviƒfv‡e cwicvj‡bi Rb¨ Avw_©K c«wZôvb¸‡jv‡K
wb‡`©k w`‡q‡Q evsjv‡`k e¨vsK| G msµvšÍ c«Ávc‡b ejv n‡q‡Q, Awf‡hvM AbymÜvb-Z`‡šÍi ¯^v‡_© Awfhy³ e¨w³
ev e¨w³e‡M©i wnmve msµvšÍ Z_¨ mieiv‡ni wel‡q 2009 mv‡ji 23 Ryb Rvwi Kiv `y`‡Ki Av‡`k †g‡b Pj‡Z
n‡e| `y`‡Ki H Av‡`‡k ejv n‡q‡Q, wewfbœ Awf‡hvM m¤ú‡K© `y`K KZ©…K myôy AbymÜvb Ges gvgjv Z`‡šÍi ¯^v‡_©
`y`K AvBb 2004-Gi 19(1)(N) avivi ÿgZve‡j wewfbœ mg‡q ivó«xq/evwYwR¨K e¨vsK †_‡K Awfhy³
e¨w³/e¨w³e‡M©i e¨vsK wnmve msµvšÍ Z_¨ PvIqv n‡q _v‡K| c«K…Zc‡ÿ e¨vsKvm© eyKm Gwf‡WÝ A¨v± (weweBG)
1891-Gi 5I 6(1)aviv Ges †KvW Ae wµwgbvj c«wmwWDi 1898-Gi 94(1) aviv Abyhvqx Av`vj‡Zi mywbw`©ó
Av‡`k e¨ZxZ AvgvbZKvix/wnmveavixi wnmve msµvšÍ Z_¨ Ab¨ †Kvb cÿ‡K c«`v‡bi my‡hvM †bB| Z‡e Av`vjZ
ev _vbvi fvic«vß Awdmvi Kvh©wewa Abymv‡i Z`šÍ I wePv‡ii ¯^v‡_© c«‡qvRb g‡b Ki‡j mgb I Av‡`‡ki wjwLZ
mgq I ¯’v‡b mswkøó e¨w³‡K `wjjcÎ wb‡q nvwRi n‡Z Av‡`k w`‡Z cv‡ib| GB msµvšÍ Z_¨ hw` †Kvb e¨vsK ev
e¨vsKv‡ii †ndvR‡Z _v‡K Zvn‡j `vqiv R‡Ri c~ev© bygwZ wb‡q `Ûwewai mywbw`©ó aviv Abyhvqx Aciva Z`‡šÍi Rb¨
Z_¨ w`‡Z Av‡`k w`‡Z cv‡ib| Ab¨vb¨ †ÿ‡Î nvB‡KvU© wefv‡Mi wjwLZ c~ev© bygwZ jvM‡e|
e¨w³i m¤ú` ev e¨vs‡K Rgv ivLv A‡_©i cwigvY Kvh©Z e¨w³i GKwU †Mvcbxq welq| AvšÍR©vwZKfv‡eI G‡ÿ‡Î
h‡_ó †MvcbxqZv Aej¤^b Kiv nq|

wkÿv_©xi KvR

mvims‡ÿc:
mÂqx wnmv‡e mwÂZ Avgvb‡Zi cwigvY e¨vsK me mgq †Mvcb iv‡L| d‡j AvgvbZKvix wbwðZ _v‡K|
†MvcbxqZv iÿvi e¨vcviwU AvBb Øviv ¯^xK…Z | Z‡e kZ© _v‡K †h, GBiƒc †Kvb Awdmvi Bankers’ Books
Evidence Act. 1891 (XVIII of 1891) Gi msÁv Abymv‡i †Kvb e¨vsK ev e¨vsKv‡ii †ndvR‡Z iwÿZ †Kvb
`wjj ev Ab¨ †Kvb wRwbm hvnv †jv‡Ki e¨vs‡Ki wnmve m¤úwK©Z †Kvb Z_¨ c«`vb Kwi‡Z cv‡i Zvnv wbgœiƒc
†ÿ‡Î `vwLj Kwievi †Kvb Av‡`k w`‡eb bv |

BDwbU 4 c„ôv 83
GBPGmwm †cÖvMÖvg

cv‡VvËi g~j¨vqb-4.4

√) wPý w`b|
mwVK Dˇii cv‡k wUK (√
1. e¨vsKvi eyK Gwf‡WÝ G¨v± †Kvb mv‡ji?
K. 1891 L. 1890
M. 1889 N. †KvbwUB bq|

P~ovšÍ g~j¨vqb

iPbvg~jK cÖkœvejx
1. e¨vsK wnmve wK? e¨vsK wnmve‡K KZfv‡M fvM Kiv hvq?
2. wewfbœ cÖKvi e¨vsK wnmve †Lvjvi c×wZ¸‡jv mswÿßfv‡e eY©bv Kiæb|
3. e¨vsK cvm ewni cÖ‡qvRbxqZv wK?
4. wKfv‡e e¨vsK wnmve wbe©vPbv Kiv hvq?

DËigvjv

cv‡VvËi g~j¨vqb- 4.1 : 1. N 2.K 3.K 4.N

cv‡VvËi g~j¨vqb- 4.2 : 1. L 2.N 3.L 4.N 5.L 6.L 7.N 8.N
cv‡VvËi g~j¨vqb- 4.3 : 1.K 2.K 3.K 4.K 5.K 6.L 7.M 8.N 9.M 10.L 11.N 12.L 13.L 14.K
cv‡VvËi g~j¨vqb- 4.4 : 1.K

BDwbU 4 c„ôv 84