Bfiu 26

evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU
evsjv‡`k e¨vsK
cÖavb Kvh©vjq
XvKv
www.bb.org.bd
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02 Avlvp, 1427 e½vã

weGdAvBBD mvK©yjvi bs-26 ZvwiL : 16 Ryb, 2020 wLªóvã
eë¯’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 `yÕwUi 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) I mš¿vm we‡ivax AvBb, 2009 Gi 15(1)(N) avivq cÖ`Ë
ÿgZve‡j Rvix Kiv n‡jv:
1| cwicvjb KvVv‡gv :
1.1 gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb`Û, †`‡k we`¨gvb AvBb, wewagvjv I evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD) KZ©„K RvixK…Z wb‡`©kbvejxi mgš^‡q cÖwZwU e¨vs‡Ki wbR¯^
bxwZgvjv _vK‡e; hv e¨vs‡Ki cwiPvjK cl©` ev cÖ‡hvR¨ †ÿ‡Î m‡ev©”P eë¯’vcbv KwgwU Aby‡gv`b Ki‡e| e¨vsK
D³ bxwZgvjv mswkøó mK‡ji AeMwZ‡Z Avb‡e I ev¯Íevq‡bi Rb¨ cÖ‡qvRbxq c`‡ÿc MÖnY Ki‡e| GQvov e¨vsK
wbR¯^ SzuwK eë¯’vcbvi Ask wn‡m‡e mgq mgq bxwZgvjvwU ch©v‡jvPbv Ki‡e I cÖ‡hvR¨ †ÿ‡Î, ms‡kvab ev
cwigvR©b Ki‡e|
1.2 gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a eë¯’vcbv KZ©„c‡ÿi A½xKvi †NvlYv:
(1) cÖwZwU e¨vs‡Ki cwiPvjK 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 I wewagvjvq ewY©Z Zv‡ì wbR wbR `vwqZ¡ I KZ©‡eï Av‡jv‡K
cÖvwZôvwbK cwicvjb eë¯’v †Rvi`vi Kivi wel‡q m‡Pó _vK‡e|
(2) e¨vs‡Ki cÖavb wbe©vnx evrmwiK wfwË‡Z e¨vs‡Ki mKj Kg©KZ©v/Kg©Pvix‡ì D‡Ï‡k¨ gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb cÖwZ‡iv‡a my¯úó I Kvh©Ki A½xKvi †NvlYv Ki‡e; A½xKvi ev¯Íevq‡b h_vh_ wb‡`©kbv cÖ`vb
Ki‡e Ges cwicvjbxq welqvwì mvwe©K ev¯Íevqb wbwðZ Ki‡e|
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1.3 cwicvjb Kg©KZ©v 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 I weGdAvBBD KZ©„K mgq mgq RvixK…Z mvKz©jvi I MvBWjvB‡b ewY©Z
wb‡`©kbvejx h_vh_fv‡e cwicvjbv‡_© cÖwZwU e¨vs‡K wb¤œiƒc eë¯’vw` _vK‡Z n‡e :
(K) cÖwZwU e¨vsK GKRb ÔEaŸ©Zb Kg©KZ©viÕ †bZ…‡Z¡ cÖavb Kvh©vj‡q GKwU Ô‡K›`ªxq cwicvjb KwgwUÕ
(Central Compliance Committee) cªwZôv Ki‡e; Av‡jvP¨ KwgwU mivmwi e¨vs‡Ki eë¯’vcbv
cwiPvjK ev cÖavb wbe©vnx Kg©KZ©vi 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`gh©v`v e¨vs‡Ki
eë¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi (02) `yB av‡ci bx‡P n‡e bv| Z‡e we‡`kx e¨vs‡Ki
†ÿ‡Î D³ ÔEaŸ©Zb Kg©KZ©vÕ‡K Aek¨B m‡ev©”P eë¯’vcbv KwgwUi (Management Committee)
m`m¨ n‡Z n‡e| cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi cwieZ©b n‡j Awej‡¤^ Zv
weGdAvBBD-‡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© eë¯’vcbv KZ©„cÿ‡K wbwðZ n‡Z n‡e †h, 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 KwgwUi mvwPweK `vwqZ¡ cvjb Ges gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iv‡a cwicvjbxq welqmg~n m¤úv`‡bi j‡ÿ¨ e¨vs‡Ki kvLvi msL¨v, eëmv‡qi we¯Í…wZ
I cwiwa, MÖvnK msL¨v I cÖvwZôvwbK SzuwK BZ¨vw` we‡ePbvq Dchy³ msL¨K Kg©KZ©vi mgš^‡q
GKwU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM (†h bv‡gB AwfwnZ Kiv †nvK) _vK‡e;
D³ wefv‡Mi cÖavb wn‡m‡e DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Deputy Chief
Anti Money Laundering Compliance Officer:DCAMLCO) `vwqZ¡ cvjb Ki‡eb|
D‡jøL¨, DCAMLCO c‡` ÔDcgnveë¯’vcKÕ ev Ôwmwbqi fvBm †cÖwm‡W›UÕ Gi bx‡P †Kvb
Kg©KZ©v‡K c`vqb Kiv hv‡e bv|
(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 †K․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
gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM evwl©K wfwË‡Z gvwbjÛvwis I 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¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM Gi Kvh©vejx Ges ‡K›`ªxq cwicvjb KwgwU,
KwgwUi m`m¨, 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|
(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
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(‡hgb: wnDg¨vb wi‡mv‡m©m wWwfkb, †µwWU wWwfkb, wi‡Uj I K‡cv©‡iU e¨vswKs wWwfkb, d‡ib
G·‡PÄ wWwfkb, Acv‡ikb wWwfkb, KvW© wWwfkb, AvBwU wWwfkb BZ¨vw` ev Abyiƒc wefvMmg~n)
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‡e bv| ‡K›`ªxq cwicvjb KwgwU I Af¨šÍixY wbixÿv wefvM
m¤ú~Y© Avjv`vfv‡e Zv‡ì Dci Awc©Z gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK `vwqZ¡
cvjb Ki‡e|
(Q) ‡K›`ªxq cwicvjb KwgwU ‣ÎgvwmK wfwË‡Z eQ‡i AšÍZ 4(Pvi)wU mfv Ki‡e| Z‡e cÖ‡qvR‡b KwgwU
†h †Kvb mgq †h †Kvb msL¨K mfv Avnevb Ki‡Z cvi‡e| D³ mfvq e¨vs‡Ki gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb cÖwZ‡iva cwicvj‡bi mvwe©K Ae¯’v ch©v‡jvPbvc~e©K cÖ‡qvRbxq wm×všÍ MÖnY Ges
AbymiYxq wb‡`©kbv cÖ`vb Ki‡e|
(2) †K›`ªxq cwicvjb KwgwU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q e¨vs‡Ki M„nxZ c`‡ÿc, G
wel‡q ev¯Íevqb AMÖMwZ I mycvwik m¤^wjZ cÖwZ‡e`b lvb¥vwmK wfwË‡Z (Rvbyqvwi-Ryb, RyjvB-wW‡m¤î)
e¨vs‡Ki cÖavb wbe©vnx, cÖ‡hvR¨ †ÿ‡Î, cwiPvjbv cl©‡ì AeMwZ I wb‡`©kbvi Rb¨ `vwLj Ki‡e| D³
cÖwZ‡e`‡b G mvKz©jv‡ii 8.3 G ewY©Z welqmg~nmn gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q
weGdAvBBD KZ…©K ‡Kv‡bv eë¯’v M„nxZ n‡q _vK‡j Zv AšÍfz©³ Ki‡e| cÖavb wbe©vnxi wb‡`©kbv I
gZvgZmn cÖwZ‡e`bwU e¨vsKwUi cwiPvjbv cl©` ev m‡e©v”P eë¯’vcbv KwgwUi mfvq Dc¯’vcb Ki‡Z n‡e
Ges cÖwZ‡e`bwUi Kwc mswkøó lvb¥vwmK †kl nIqvi 2(`yB) gv‡mi g‡a¨ weGdAvBBD eivei †cÖiY
Ki‡e|
(3) †K›`ªxq cwicvjb KwgwUi wb‡`©kbv Abymv‡i gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM
kvLvmg~‡ni Rb¨ AbymiYxq wb‡`©kbvejx Rvix Ki‡e; hv‡Z gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a
MÖvnK cwiwPwZ MÖnY, †jb‡`b cixÿY eë¯’v, Af¨šÍixY wbqš¿Y eë¯’v Ges GZ`&msµvšÍ Ab¨vb¨
cwicvjbxq bxwZ I c×wZmg~n AšÍfz©³ _vK‡e|
(4) ‡K›`ªxq cwicvjb KwgwU kvLv ch©v‡q cwicvjb Kg©KZ©v g‡bvbq‡bi gva¨‡g Af¨šÍixY cwiexÿY I wbqš¿Y
eë¯’v cªwZôv Ki‡e| G‡ÿ‡Î, cÖwZwU kvLvq GKRb AwfÁ Kg©KZ©v‡K kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZv© (Branch Anti Money Laundering Compliance Officer-BAMLCO)
wn‡m‡e g‡bvbxZ Ki‡e| D‡jøL¨, kvLv eë¯’vcK, kvLvi wØZxq Kg©KZ©v A_ev ‡Rbv‡ij e¨vswKs/d‡ib
G·‡PÄ/†µwWU BZ¨vw` wefv‡Mi `vwqZ¡cÖvß AwfÁ EaŸ©Zb Kg©KZ©v‡K kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZv© wn‡m‡e g‡bvbqb w`‡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 gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv©i
g‡bvbqbc‡Î Zvi Kg©©cwiwa I `vq-`vwqZ¡ mywbw`©ófv‡e D‡jøL _vK‡Z n‡e|
(5) kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó Kg©KZ©v‡ì wb‡q •ÎgvwmK wfwË‡Z
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mfv Ki‡e Ges D³ mfvq wb‡¤œv³ welqmg~nmn
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv I weGdAvBBD Gi Ab¨vb¨
wb‡`©kbvi Av‡jv‡K kvLvi cwicvjb Ae¯’v ch©v‡jvPbvc~e©K h_vh_ eë¯’v MÖnY Ki‡e :
 MÖvnK cwiwPwZ;
 ‡jb‡`b cixÿY (Transction Monitoring);
 m‡›`nRbK †jb‡`b ev Kvh©µg wPwýZKiY I wi‡cvwU©s;
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 ¯’vbxq Sanction List mn RvwZms‡Ni wbivcËv cwil‡ì ‡iRy‡jkbmg~‡ni ev¯Íevqb;
 †mj&d G¨v‡mm‡g›U msµvšÍ Kvh©µg;
 ‡iKW© msiÿY;
 cÖwkÿY BZ¨vw`|
kvLv cwicvjb Kg©KZv© •ÎgvwmK mfvi Kvh©weeiYx gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM eive‡i
†cÖiY Ki‡e|
2| MÖvnK wbe©vPb bxwZgvjv :

MÖvnK wbe©vP‡bi †ÿ‡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 msL¨vhy³ ‡Kv‡bv MÖvn‡Ki wnmve †Lvjv ev cwiPvjbv Kiv hv‡e bv| GQvovI
‡ebv‡g, QÙbv‡g ev ïay msL¨vhy³ ‡Kv‡bv MÖvn‡Ki wnmve †iv‡a h_vh_ mZK©Zvg~jK eë¯’v;
(2) RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRy‡jk‡bi AvIZvq mš¿vm I mš¿vmx Kv‡h© 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×
†NvwlZ mËvi ‡Kv‡bv wnmve †Lvjv ev cwiPvjbv bv Kiv;
(3) Ô‡kj e¨vsKÕ (Shell Bank) Gi mv‡_ ‡Kv‡bv ai‡Yi e¨vswKs m¤úK© ¯’vcb bv Kiv (G‡ÿ‡Î Ô†kj e¨vsKÕ
ej‡Z H mg¯Í e¨vsK-†K eySv‡e hvi †hB ‡`‡k wbewÜZ ev jvB‡mÝ cÖvß †mB †`‡k †Kvb evwn¨K Dcw¯’wZ
bvB ev ‡hwU Kvh©Ki cwi`k©‡bi AvIZvf‚³ I wbqwš¿Z †Kvb Avw_©K MÖæ‡ci m`m¨ bq) Ges
(4) G wel‡q weGdAvBBD KZ©„K mgq mgq cÖ`Ë wb‡`©kbv AbymiYxq n‡e|
3| MÖvnK cwiwPwZ, mZK©Zvg~jK eë¯’v I Ab¨vb¨ :

3.1 MÖvn‡Ki msÁv :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK eë¯’vcbvq MÖvnK ej‡Z wb‡gœv³ e¨w³ ev mËv‡K eySv‡e :
(1) e¨vs‡Ki mv‡_ wnmve msiÿY K‡i ev eëmvwqK m¤úK© i‡q‡Q Ggb †h ‡Kv‡bv e¨w³ ev mËv;
(2) (2) e¨vsK wnmve ev eëmvwqK m¤ú‡K©i cÖK…Z myweav‡fvMx (Beneficial Owner); (cÖZ¨ÿ ev c‡ivÿfv‡e
hvi c‡ÿ wnmve cwiPvwjZ nq| Guidelines on Beneficial Ownership G wel‡q wek` Av‡jvPbv Kiv
n‡q‡Q|)
(3) we`¨gvb AvBbx KvVv‡gvi AvIZvq ‡Kv‡bv wnmveavix, Uªv÷ ev †jb‡`‡bi cÖK…Z myweav‡fvMxi wnmve
cwiPvjbvi Rb¨ wbhy³ ‡Kv‡bv †ckv`vi ga¨¯’ZvKvix (AvBbRxex, AvBb civgk©K cÖwZôvb, PvU©vW©
G¨vKvD‡›U›U BZ¨vw`);
(4) ‡Kv‡bv e¨w³ ev mËv KZ©„K GKK †jb‡`‡b msNwUZ AwaK g~‡jï Occasional Transaction ev
cÖwZôv‡bi mybvg Ges Ab¨ ‡Kvb SzuwK m„wó Ki‡Z cv‡i Ggb Avw_© K †jb‡`‡bi †ÿ‡Î mswkøó e¨w³ ev mËv
(G‡ÿ‡Î mswkøó e¨w³ ev cÖwZôv‡bi ‡ckv/†cÖvdvB‡ji wbix‡L ¯^vfvweK †jb‡`‡bi Zzjbvq ‡Kv‡bv †jb‡`b
A¯^vfvweK cÖZxqgvb n‡j Zv ÔAwaK g~‡jïÕ e‡j we‡ewPZ n‡e); Ges
(5) weGdAvBBD KZ©„K mgq mgq msÁvwqZ e¨w³ ev mËv|
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3.2 SzuwK wfwËK eë¯’v (Risk Based Approach) :
(K) evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU KZ©„K RvixK…Z ML/TF Risk Assessment Guidelines for
Banking Sector Gi wb‡`©kbv Abymv‡i wbw`©ó mgq AšÍi cÖwZwU e¨vsK gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
msµvšÍ wbR¯^ SzuwK wbiƒcY Ki‡e| D³ SzuwK wbiƒc‡Yi †ÿ‡Î eëmv‡qi cÖK…wZ, MÖvnK, cY¨ ev †mev, †`k Ges
†f․MwjK Ae¯’vb BZ¨vw` we‡eP¨ n‡e| Av‡jvP¨ SzuwK wbiƒcY cÖwZ‡e`b e¨vs‡Ki gvwbjÛvwis I mš¿vmx Kv‡h© A_v©qb
SzuwK cÖwZ‡iv‡a eëüZ n‡e|
(L) SzuwK wbiƒcY cÖwZ‡e`b Abymv‡i †h ‡ÿ‡Î gvwbjÛvwis, mš¿vm ev mš¿vmx Kv‡h© A_©vq‡bi D”P SzuwK wPwýZ n‡e,
†m ‡ÿ‡Î e¨vsK‡K AwaKZi mZK©Zvg~jK eë¯’v (Enhanced Due Diligence) MÖnY Ki‡Z n‡e|
(M) SzuwK wbiƒcY cÖwZ‡e`b Abymv‡i †h ‡ÿ‡Î gvwbjÛvwis, mš¿vm ev mš¿vmx Kv‡h© A_©vq‡bi wb¤œ SzuwK wPwýZ n‡e ev
wb¤œ SzuwKi wb‡`©k‡Ki mv‡_ mvgÄm¨c~Y© n‡e, †m ‡ÿ‡Î e¨vsK mnRZi mZK©Zvg~jK eë¯’v (Simplified Due
Diligence) MÖnY Ki‡Z cvi‡e|
(N) we`¨gvb MÖvn‡Ki SzuwK, ¸iæZ¡ I cÖvmw½KZv we‡ePbvq cÖwZwU e¨vsK cÖ‡qvRbxq mZK©Zvg~jK eë¯’v (Due
Diligence) MÖnY Ki‡e| GQvov c~‡e© KLb mZK©Zvg~jK eë¯’v MÖnY Kiv n‡qwQj Ges Kx ai‡Yi ev Kx cwigvY
Z_¨ msMÖn Kiv n‡qwQj Zv we‡ePbvq we`¨gvb MÖvn‡Ki wel‡q mZK©Zvg~jK eë¯’v MÖnY ev cybg©~j¨vqb Kivi mgq
wbav©iY Ki‡e|
3.3 MÖvnK cwiwPwZ (Know Your Customer-KYC) :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK eë¯’vcbvq MÖvn‡Ki cwiwPwZ MÖnY I hvPvB cÖwµqvi ‡ÿ‡Î wb‡¤œv³
welqvejxi cwicvjb wbwðZ Ki‡Z n‡e :
(1) MÖvn‡Ki wnmve †Lvjvi †ÿ‡Î evsjv‡`k e¨vs‡Ki e¨vswKs cÖwewa I bxwZ wefvM KZ©„K RvixK…Z wnmve †Lvjvi
dig eënvi Ki‡Z n‡e| Z‡e AvaywbK cÖhyw³i eënvi myweavRbK we‡ePbvq, cÖ‡hvR¨ †ÿ‡Î, weGdAvBBD
KZ©„K RvixK…Z Guidelines on Electronic Know Your Customer (e-KYC) G ewY©Z AvaywbK
cÖhyw³i eënvi ev mnvqZv MÖnY Ki‡Z n‡e| †h ‡ÿ‡Î B‡jKUªwbK gva¨g eënvi K‡i wnmve †Lvjv m¤¢e
n‡e bv †m ‡ÿ‡Î nvW© Kwc wnmve †Lvjvi dig eënvi Kiv hv‡e|
(2) MÖvn‡Ki cwiwPwZi c~Y©v½ I mwVK Z_¨ msMÖn Ki‡Z n‡e| e¨vswKs eë¯’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 †Lvjvi 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|
GBiƒc c~Yv©½ I mwVK Z_¨ MÖnY ev msiÿ‡Yi †ÿ‡Î c~Y©v½ ej‡Z wnmv‡ei Av‡e`bKvix ev wnmveavix
MÖvn‡Ki cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_ï mwbœ‡ek‡K eySv‡e| Aciw`‡K mwVK ej‡Z c~Y©v½ GB
iƒc Z_¨ eySv‡e hvi mwVKZv wbf©i‡hvM¨ I wbi‡cÿ Drm n‡Z hvPvB Kiv n‡q‡Q;
(2) hw` MÖvn‡Ki c‡ÿ Ab¨ ‡Kv‡bv e¨w³ wnmve cwiPvjbv K‡i †m‡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;
(3) Uªvw÷ I †ckv`vi ga¨¯’ZvKvix KZ©„K MÖvn‡Ki c‡ÿ cwiPvwjZ wnmv‡ei †ÿ‡Î Zv‡ì AvBbMZ Ae¯’vb
ch©v‡jvPbv I Zvi h_v_©Zv wbiƒcYc~e©K mswkøó mK‡ji cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e; Ges
(4) wnmveavix e¨wZZ Aci KvD‡K (Walk-in Customer) †jb‡`b myweav cÖ`v‡bi †ÿ‡Î (‡hgbt wWwW,
wUwU, GgwU, †c-AWv©i ev AbjvBb †jb‡`b BZ¨vw`) G mvKz©jv‡ii Ab¨vb¨ Aby‡”Q‡` ewY©Z wb‡`©kbv AbymiY
Ki‡Z n‡e| G‡ÿ‡Î Walk-in Customer ej‡Z e¨vsK wnmveavix bb Ggb MÖvnK †K eySv‡e|
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3.4 MÖvnK m¤úwK©Z mZK©Zvg~jK eë¯’v (Customer Due Diligence-CDD) :
MÖvnK m¤úwK©Z mZK©Zvg~jK eë¯’v ev CDD ej‡Z wbf©i‡hvM¨ I wbi‡cÿ Drm n‡Z cÖvß Z_¨, DcvË I
`wjjvwì wfwË‡Z MÖvn‡Ki (e¨w³ A_ev mËv) cwiwPwZ wbwðZKiY, msM„nxZ cwiwPwZg~jK Z_¨ ev Dcv‡Ëi
mwVKZv Ges A‡_©i Drm hvPvBKiYmn wnmv‡ei cwiwPwZg~jK Z_¨ ev DcvË I †jb‡`b wbqwgZfv‡e (On-
going) cixÿY Kiv‡K eySv‡e| D‡jøL¨ †h, 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`~aŸ© g~‡jï AwbqwgZ (Occasional) †jb‡`‡bi mgq;
(M) Iq¨vi UªvÝdv‡ii gva¨‡g AwbqwgZ (Occassional) ‡jb‡`b m¤úv`‡bi mgq;
(N) hLb m‡›`n Kivi h‡_ó KviY _vK‡e †h B‡Zvc~‡e© MÖvn‡Ki cwiwPwZi wbwgË †hme Z_¨ ev
`wjjvw` msMÖn Kiv n‡q‡Q Zv ch©vß ev mwVK bq; Ges
(O) ‡Kv‡bv †jb‡`b gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi mv‡_ RwoZ g‡g© m‡›`n n‡j Ges G‡ÿ‡Î
CDD m¤úv`‡bi d‡j Z‡_ï †MvcbxqZv dvum (Tipping-Off) nevi m¤¢vebv _vK‡j CDD
m¤úv`b bv K‡iB m‡›`nRbK †jb‡`b/Kvh©µg cÖwZ‡e`b `vwLj Ki‡Z n‡e|
(2) MÖvn‡Ki cwiwPwZ Ges e¨vs‡Ki mv‡_ m¤úK© ¯’vc‡bi AšÍwb©wnZ D‡Ïk¨ I eëmv‡qi aiY m¤ú‡K© wbwðZ
nIqvi Rb¨ cÖ‡Z¨K e¨vsK Zv‡ì mš‘wó 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) MÖvn‡Ki eëmv‡qi aiY, SyuwKi gvÎv I aiY ev cÖ‡hvR¨ †ÿ‡Î A‡_©i Dr‡mi mv‡_ AmvgÄm¨Zv wPwýZ
Kivi wbwgË On-going CDD Kvh©µg cwiPvjbv Ki‡Z n‡e| D”P SzuwK m¤úbœ MÖvn‡Ki we`¨gvb Z_¨vw`
wbqwgZ g~j¨vqb, ch©v‡jvPbv ev cixÿv wbixÿvc~e©K nvjbvMv` Ki‡Z n‡e|
(4) MÖvnK ev cÖK…Z myweav‡fvMxi cwiwPwZg~jK Z_¨ ev Dcv‡Ëi mwVKZv eëmvwqK m¤úK© ¯’vc‡bi mgq ev
wnmve †Lvjvi ci D³ wnmve n‡Z A_© D‡Ëvj‡bi c~‡e©B hvPvB Ki‡Z n‡e| Z‡e AwbqwgZ MÖvn‡Ki †ÿ‡Î
Giƒc Kvh©µg †jb‡`b cwiPvjbvKv‡jB MÖnY Ki‡Z n‡e| †h ‡ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi
SzuwK wb¤œ ev wPwýZ SzuwK wbqš¿‡Yi eë¯’v we`¨gvb A_ev †h ‡ÿ‡Î eëmvwqK m¤úK© wewNœZ ev wew”Qbœ Kivi
cÖ‡qvRb ‡bB, †m ‡ÿ‡Î m¤úK© ¯’vc‡bi ci `ªæZZg mg‡q cwiwPwZg~jK Z_¨ ev Dcv‡Ëi mwVKZv hvPvB
Ki‡Z n‡e|
(5) cÖwZwU wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner) kbv³ Ki‡Z n‡e| e¨vs‡Ki mš‘wó mv‡c‡ÿ
wbf©i‡hvM¨ I wbi‡cÿ m~Î n‡Z msM„nxZ Z‡_ï wfwË‡Z wnmv‡ei cÖK„Z myweav‡fvMxÕi cwiwPwZ wbwðZ
Ki‡Z n‡e| G‡ÿ‡Î wb‡¤œv³ welqvejx we‡eP¨ n‡e:
(K) hw` ‡Kv‡bv MÖvnK Ab¨ ‡Kv‡bv e¨w³i c‡ÿ wnmve cwiPvjbv K‡i, ‡m †ÿ‡Î MÖvnK QvovI D³
e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e;
(L) AvcvZt`„wó‡Z ‡Kv‡bv e¨w³ hw` ‡Kv‡bv MÖvnK‡K cÖZ¨ÿ ev c‡ivÿfv‡e wbqš¿Y ev cÖfvweZ K‡i
g‡g© cÖZxqgvb nq Z‡e †m †ÿ‡Î D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY
Ki‡Z n‡e;
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(M) ‡Kv¤úvbxi †ÿ‡Î whwb/hv‡ì D³ †Kv¤úvbxi Dci wbqš¿Y ev gvwjKvbvi ¯^v_© (Controlling
/ownership interest) i‡q‡Q, wZwb/Zv‡ì cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY
Ki‡Z n‡e ;
(N) Dchy©³ (L) I (M) `dvi wb‡`©kbv c~iYK‡í ‡Kv‡bv e¨w³ (Natural Person) wPwýZ Kiv m¤¢e bv
n‡j EaŸ©Zb eë¯’vcbv Kg©KZv©i c‡` Avmxb mswkøó Ggb e¨w³i cwiPq kbv³KiYc~e©K Zvi
mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e; Ges
(O) wnmv‡ei cÖK„Z myweav‡fvMx wba©viY I Z`&‡cÖwÿ‡Z M„nxZ c`‡ÿcmg~n MÖn‡Yi †ÿ‡Î weGdAvBBD
KZ©„K RvixK…Z Guidelines on Beneficial Ownership G ewY©Z welqvejx AbymiY Kiv
hv‡e|
3.5 MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK eë¯’v (Simplified Customer Due Diligence) :
wb‡¤œv³ †ÿ‡Î MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK eë¯’v MÖnY Kiv hv‡e :
(K) IqvK-Bb Kv÷gvi (Walk-in Customer) KZ©„K AbyaŸ© 50,000/-(cÂvk nvRvi) UvKv
†jb‡`‡bi ‡ÿ‡Î †cÖiYKvix ev Av‡e`bKvix I cÖvcK ev ‡ewbwdwmqvwii bvg I wVKvbv Ges
†cÖiYKvix ev Av‡e`bKvixi †Uwj‡dvb b¤î msMÖn Ki‡Z n‡e;
(L) †Kv‡bv †jb‡`b 50,000/-(cÂvk nvRvi) UvKv Gi AwaK ev 5,00,000/- (cvuP jÿ) UvKv Gi
bx‡P n‡j (K) Aby‡”Q‡` ewY©Z Z_¨vwì cvkvcvwk †cÖiYKvix ev Av‡e`bKvix ev RgvKvix ev
D‡ËvjbKvixi Qwehy³ AvBwW Gi Kwc mZ¨qbmn msMÖn Ki‡Z n‡e;
(M) Avw_©K AšÍf©yw³i (Financial Inclusion) D‡Ï‡k¨ wb¤œ SzuwK A_ev wb¤œ SzuwKi wb‡`©kK m¤úbœ
wnmve ‡Lvjv ev cwiPvjbvi ‡ÿ‡Î (miKvix mvgvwRK wbivcËv fvZv wnmve, ¯‥zj Qv‡Îi wnmve,
K…l‡Ki wnmve Ges Ab¨vb¨ No-Frill Account); Ges
(N) Guidelines on e-KYC G ewY©Z MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK eë¯’v G‡ÿ‡Î AbymiY
Kiv hv‡e|
3.6 CDD msµvšÍ Ab¨vb¨ wb‡`©kbv:

(1) cÖwZwU e¨vsK MÖvn‡Ki wnmve †Lvjvi †ÿ‡Î MÖvnK cwiwPwZ Ges CDD h_vh_fv‡e m¤úv`bc~e©K Z_¨ I
`wjjvw` msiÿY Ki‡e| G‡ÿ‡Î Guidelines on e-KYC G ewY©Z wWwRUvj bgybv KYC dig ev †h
†ÿ‡Î wWwRUvj KYC dig eënvi Kiv hv‡e bv †m ‡ÿ‡Î cwiwkó -ÒKÓ G mshy³ bgybv KYC dig
eënvi Ki‡Z n‡e;
(2) e¨vsK KZ©„K MÖvn‡Ki KYC m¤úv`‡bi wbwg‡Ë cwiwkó-ÒKÓ G mshy³ bgybv KYC dig/digmg~n
eënviKv‡j †Kvbµ‡gB Zv wnmve †Lvjvi di‡gi Ask wn‡m‡e we‡ePbv Kiv ev MÖvnK KZ©„K c~iYxq n‡e bv;
(2) GK e¨vs‡K GKB MÖvn‡Ki GKvwaK wnmve cwiPvwjZ n‡j MÖvnK cwiwPwZi cybive„wË cwinvi I †jb‡`b
cixÿ‡Yi myweav‡_© e¨vsK D³ MÖvn‡Ki Rb¨ GKwU Unique Customer Identification Code
(UCIC) eivÏ Ki‡Z cvi‡e| D³ UCIC MÖvnK I e¨vsK KZ©„K MÖvnK‡K cÖ`Ë mKj cÖKvi †mev
wPwýZKiY (track) Ges c~Y©v½fv‡e Avw_©K †jb‡`b gwbUwis Gi †ÿ‡Î mnvqZv Ki‡e;
(3) gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi SzuwK eë¯’vcbvq e¨vsK wb‡RB Mªvn‡Ki wnmv‡ei †jb‡`‡bi AbywgZ
gvÎv (Transaction Profile) ‣Zix Ki‡e| G‡ÿ‡Î e¨vsK MÖvn‡Ki AZxZ †jb‡`‡bi ( 6/12 gv‡mi
7
†jb‡`b) Dci wfwË K‡i GKwU wbw`©ó ‡jb‡`‡bi aiY wbiƒcY Ki‡e Ges wbiƒwcZ ai‡Yi wfwË‡Z
MÖvn‡Ki †jb‡`b cixÿY Ki‡e| e¨vsK KZ©„K wba©vwiZ ‡jb‡`‡bi ai‡Y D‡jøL‡hvM¨ nv‡i cwieZ©b ‡`Lv
†M‡j Zv AbymÜvb Ki‡e| cÖ‡hvR¨ †ÿ‡Î, ‡jb‡`‡bi AbywgZ gvÎv ms‡kvab Ki‡e A_ev m‡›`n n‡j
m‡›`nRbK †jb‡`b/Kvh©µg cÖwZ‡e`b `vwLj Ki‡e| G‡ÿ‡Î MÖvnK hv‡Z nqivwbi wkKvi bv nq †m
wel‡q e¨vsK ‡K mZK©Zv Aej¤^b Ki‡Z n‡e ;
(4) MÖvnK cwiwPwZ cÖwµqvq MÖvnK m¤úwK©Z cÖvß Z_¨mg~n nvjbvMv`KiY GKwU Pjgvb cÖwµqv| G‡ÿ‡Î,
KYC di‡g DwjøwLZ SuywK wefvRb gvb`‡Ûi Av‡jv‡K wbiƒwcZ wb¤œ SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î 05
(cvuP) eQi Ges D”P SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î 01 (GK) eQi ci ci nvjbvMv`KiY cÖwµqv m¤úbœ
Ki‡Z n‡e| MÖvn‡Ki cwiwPwZg~jK Z‡_ï †h ‡Kv‡bv cwieZ©b AeMZ nIqvi mv‡_ mv‡_B Zv nvjbvMv`
Ki‡Z n‡e| GQvov wbw`©ó ‡Kv‡bv cÖ‡qvRb Abyf~Z n‡j †h ‡Kv‡bv mg‡qB MÖvn‡Ki cwiwPwZg~jK Z_¨
nvjbvMv` Kiv hv‡e| nvjbvMv`K…Z Z‡_ï wfwË‡Z cybivq Awej‡¤^ Gme wnmv‡ei SuywK wbiƒcY Ki‡Z
n‡e| GQvovI †Kvb wnmve wb¤œ SuywK n‡Z D”P SuywK‡Z ¯’vbvšÍwiZ n‡j Zv wbiƒc‡Yi c×wZI Pvjy _vK‡Z
n‡e;
(5) e¨vsK KZ©„K ‡Kv‡bv MÖvnK‡K AMÖvwaKvi myweav m¤^wjZ (Previlege) e¨vswKs †mev cÖ`vb Kivi †ÿ‡Î
CDD msµvšÍ Ab¨vb¨ wb‡`©kbv Abymi‡Yi cvkvcvwk MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK eë¯’v MªnY
Ki‡Z n‡e;
(6) ‡h me †`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 G¨vKkb Uv¯‥‡dv‡m©i Jurisdictions under Increased Monitoring
Ges High-Risk Jurisdictions subject to a Call for Action wn‡m‡e ZvwjKvfy³ †`k) †m me †`‡ki
‡Kv‡bv e¨w³ ev mËvi (AvBbMZ cÖwZwbwa, Avw_©K cÖwZôvbmn †h ‡Kv‡bv cÖwZôvb) mv‡_ eëmvwqK m¤úK©
¯’vcb I eRvq ivLv Ges †jb‡`b m¤úv`‡bi ‡ÿ‡Î AwaKZi mZK©Zvg~jK eë¯’v MªnY Ki‡Z n‡e Ges
cÖ‡hvR¨ †ÿ‡Î FATF hvwPZ Counter Measures MÖnY Ki‡e;
(7) we‡`kx e¨vs‡Ki mv‡_ m¤úK© ¯’vc‡bi c~‡e© mswkøó †`‡ki gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
eë¯’v we‡ePbvq wb‡Z n‡e;
(8) ‡Kv‡bv we‡`kx ev Awbevmx evsjv‡`kxi wnmve †Lvjvi †ÿ‡Î G mvKz©jv‡ii AwZwi³ wn‡m‡e Foreign
Exchange Regulation Act, 1947 Gi weavbvejx I Gi AvIZvq evsjv‡`k e¨vsK KZ…©K RvixK…Z
wb‡`©kbvmg~n AbymiYxq n‡e; Ges
(9) •e‡`wkK evwYR¨ m¤úwK©Z wnmve ev †jb‡`‡bi †ÿ‡Î weGdAvBBD KZ…©K RvixK…Z Guidelines for
Prevention of Trade Based Money Laundering Gi wb‡`©kbv AbymiY Ki‡Z n‡e|
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3.7 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 cÖ‡qvR‡b wb¤œiƒc
eë¯’v MÖnY Ki‡Z cvi‡e :
(1) e¨vsK D³iƒc MÖvn‡Ki wnmve Lyj‡e bv, eëmvwqK m¤úK© ïiæ Ki‡e bv, †jb‡`b m¤úv`b Ki‡e bv ev
eëmvwqK m¤úK© evwZj Ki‡e;
(2) kvLv Dchy©³ wnmve bv †Lvjv ev eÜ Kiv msµvšÍ Z_¨ msiÿYc~e©K gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva
wefv‡M †cÖiY Ki‡e| cÖ‡qvR‡b gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM Gme Z_¨ Ab¨vb¨ mKj
kvLvi AeMwZ‡Z ‡bqvi eë¯’v MÖnY Ki‡e; Ges
(3) †ÿÎgZ, Giƒc MÖvnK, m¤¢ve¨ MÖvnK, cÖZ¨vLvZ e¨w³ ev mËv m¤^‡Ü m‡›`nRbK †jb‡`b ev m‡›`nRbK
Kvh©µg cÖwZ‡e`b `vwL‡ji welqwU we‡ePbv Ki‡e|
(4) Z‡e mgv‡Ri cðvrc` ev Giƒc we‡kl †Kv‡bv Rb‡Mvôxi wnmve †Lvjv I cwiPvjbvq weGdAvBBD
cÖ‡hvR¨‡ÿ‡Î, mg‡q mg‡q, wb‡`©kbv Rvix Ki‡e|
3.8 MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK eë¯’v (Enhanced Due Diligence-EDD) :

e¨vsK KZ©„K wbiƒwcZ D”P SzuwK m¤úbœ (High Risk) MÖvn‡Ki †ÿ‡Î wb¤œiƒ‡c MÖvnK m¤úwK©Z AwaKZi
mZK©Zvg~jK eë¯’v ev EDD MÖnY Ki‡Z n‡e :
(1) wbf©i‡hvM¨ I wbi‡cÿ Drm ‡_‡K MÖvnK cwiwPwZ m¤úwK©Z AwZwi³ Z_¨vw` msMÖn;
(2) wnmve †Lvjvi D‡Ïk¨, wnmv‡ei A_© ev m¤ú‡ì Drm wbwðZ nIqvi Rb¨ AwaKZi eë¯’v MÖnY;
(3) Zv‡ì wnmv‡ei †jb‡`b wbqwgZfv‡e AwaKZi cixÿY; Ges
(4) cÖ‡hvR¨ ‡ÿ‡Î, e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv©i Aby‡gv`b MÖnY|
3.9 cÖfvekvjx e¨w³i (Influential Persons:IPs) †ÿ‡Î KiYxq :

‡Kvb cÖfvekvjx e¨w³ (Influential Persons:IPs)1 D”P SzuwK m¤úbœ n‡j Zvi wnmve ‡Lvjv I cwiPvjbvi †ÿ‡Î
G mvK©yjv‡ii 3.8 Aby‡”Q‡` ewY©Z wb‡`©kbv AbymiY Ki‡Z n‡e|
3.10 cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons -PEPs) Gi †ÿ‡Î KiYxq:
PEPs2 Gi wnmve ‡Lvjv I cwiPvjbvq cÖ‡hvR¨ †ÿ‡Î, G mvK©yjv‡i ewY©Z cÖ‡hvR¨ wb‡`©kbv Abymi‡Yi cvkvcvwk
wb‡gœv³ eë¯’vw` MÖnY Ki‡Z n‡e :
1
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|
2
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 | 1-2 bs µwg‡Ki Drm: dvBb¨vwÝqvj G¨vKkb Uv¯‥‡dv‡m©i mycvwikmg~n|
9
(1) e¨vsK‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx PEPs wKbv Zv wbav©iY Kivi Rb¨ Dchy³ c×wZ MÖnY
(†hgbt Db¥y³ Z‡_ï Drm, wewfbœ WvUv‡eR eënvi BZ¨vw`);
(2) PEPs Gi mv‡_ eëmvwqK 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 MªnY;
(3) Dc‡iv³ (1) I (2) G ewY©Z eë¯’vw` MÖnY Kiv QvovI G mvKz©jv‡ii 3.8 Aby‡”Q‡ì (1) n‡Z (3) `dvq
ewY©Z MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK eë¯’v MªnY; Ges
(4) PEPs Gi cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI
Dc‡i DwjøwLZ wb‡`©kbvmg~n cÖ‡hvR¨ 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‡e bv|
3.11 AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î KiYxq :

(K) ‡Kvb AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v D”P SzuwK m¤úbœ n‡j Zvui wnmve ‡Lvjv I cwiPvjbvq
G mvK©yjv‡ii 3.8 Aby‡”Q‡` ewY©Z wb‡`©kbvmg~n AbymiY Ki‡Z n‡e (G‡ÿ‡Î D”P ch©v‡qi Kg©KZ©v ej‡Z D³
ms¯’vi ¸iæZ¡c~Y© c‡` AwawôZ cwiPvjK, DccwiPvjK, †ev‡W©i m`m¨ ev mgch©v‡qi Kg©KZ©v‡ì eySv‡e)|
3.12 PEPs msµvšÍ Ab¨vb¨ wb‡`©kbv:

Aby‡”Q` 3.9, 3.10 I 3.11 Gi wewaweavb cwicvj‡bi †ÿ‡Î weGdAvBBD KZ©„K RvixK…Z Guidance Notes on
Politically Exposed Persons (PEPs) for all Reporting Organizations G ewY©Z wb‡`©kbv AbymiY Ki‡Z
n‡e|
3.13 K‡imc‡Û›U e¨vswKs (Correspondent Banking) m¤úK© ¯’vc‡bi †ÿ‡Î KiYxq :

e¨vswKs eë¯’v hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡b eëüZ n‡Z bv cv‡i †m Rb¨ AvšÍt‡`kxq K‡imc‡Û›U
e¨vswKs (Cross Border Correspondent Banking) m¤úK© ¯’vcb I Zv Ae¨vnZ ivLvi †ÿ‡Î wb‡gœi
wb‡`©kbvmg~n cwicvjb Ki‡Z n‡e :
(1) K‡imc‡Û›U e¨vswKs ‡mev cÖ`v‡bi c~‡e© cwiwkó-ÒLÓ †gvZv‡eK Z_¨vw` msMÖnc~e©K K‡imc‡Û›U ev
†imc‡Û›U e¨vs‡Ki eëmv‡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| cÖ‡hvR¨ ‡ÿ‡Î, cwiwkó-ÒLÓ †gvZv‡eK Z_¨vwì AwZwi³ wn‡m‡e Db¥y³ Drm
(Open Source) n‡ZI cÖ‡qvRbxq Z_¨ msMÖn;
(2) K‡imc‡Û›U ev †imc‡Û›U e¨vsKwU mswkøó wbqš¿YKvix KZ©„cÿ KZ©„K Kvh©Kifv‡e Z`viKx Kiv nq, G
e¨vcv‡i mš‘wó mv‡c‡ÿB †KejgvÎ ‡Kv‡bv we‡`kx e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb Kiv ev
eRvq ivLv;
(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) e¨vsK‡K wbwðZ n‡Z n‡e †h, †imc‡Û›U e¨vsK †Kvb Shell Bank†K ‡mev cÖ`vb Ki‡Q bv ev m¤úK©
eRvq ivL‡Q bv|
10
(5) ‡h me †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ
i‡q‡Q (‡hgb: dvBb¨vwÝqvj G¨vKkb Uv¯‥‡dv‡m©i Jurisdictions under Increased Monitoring Ges
High-Risk Jurisdictions subject to a Call for Action wn‡m‡e ZvwjKvfy³ †`k) †m me †`‡ki
e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb ev eRvq ivLvi wel‡q AwaKZi mZK©Zvg~jK eë¯’v MªnY
Ki‡Z n‡e| cÖ‡hvR¨ †ÿ‡Î FATF Av‡ivwcZ Counter Measures ev¯Íevq‡bi Dchy³ I Kvh©Ki eë¯’v
MÖnY 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‡ì bxwZ I c×wZ m¤ú‡K© we¯ÍvwiZ Z_¨ msMÖn Ki‡Z n‡e;
(6) †h mKj †imc‡Û›U e¨vsK Zv‡ì MÖvnK‡ì‡K K‡imc‡ÛU e¨vs‡Ki gva¨‡g mivmwi †jb‡`b m¤úv`b
Kivi my‡hvM cÖ`vb K‡i _v‡K (A_©vr Payable through accounts) Zv‡ì mv‡_ K‡imc‡Û›U e¨vswKs
m¤úK© ¯’vc‡bi ‡ÿ‡Î -
(K) †imc‡Û›U e¨vsK KZ©„K Zv‡ì 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 †cÖwÿ‡Z †imc‡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) we`¨gvb mKj K‡imc‡Û›U e¨vswKs m¤úK© mgq mgq cybg©~j¨vqb Ki‡Z n‡e Ges D³ †ÿ‡ÎI G mvKz©jv‡i
ewY©Z wb‡`©kbvejx cÖ‡hvR¨ n‡e|
3.14 G‡R›U e¨vswKs msµvšÍ wb‡`©kbv :

G‡R›U e¨vswKs Kvh©µg cwiPvjbvi †ÿ‡Î mswkøó e¨vsKmg~n wb¤œiƒc wb‡`©kbv cwicvjb Ki‡e :
(1) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb msµvšÍ cÖ‡hvR¨ mKj wb‡`©kbv cwicvj‡bi `vqfvi G‡R‡›Ui cvkvcvwk
m¤ú~Y©iƒ‡c mswkøó e¨vs‡Ki Dci eZ©v‡e;
(2) G‡R›U I MÖvn‡Ki m‡›`nRbK †jb‡`b ev Kvh©µg kbv³KiY I wi‡cvU© Ki‡Y m‡PZb _vKv;
(3) G‡R›U e¨vswKs msµvšÍ Kgcøv‡qÝ †cÖvMÖv‡gi g‡a¨ gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva Kvh©µg AšÍfy©³
Kiv I G‡R›U‡ì Dchy³ cÖwkÿ‡Yi eë¯’v Kiv Ges
(4) G‡R›U wb‡qvM I Zv‡ì 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)3 AbymiYc~e©K
Zv‡ì c~Yv©½ I mwVK cwiwPwZ wbwðZ KiY;
(L) G‡R›U‡ì †jb‡`‡bi cwigvY I msL¨v, ‡f․MwjK Ae¯’vb, eëmvq I gvwjKvbvi cÖK…wZ Ges
Ab¨vb¨ hyw³hy³ welqvejx we‡ePbvq wb‡q Zv‡ì SzuwKi ¯Íi (D”P, ga¨g I wb¤œ) wba©viY Ges
wbiƒwcZ SzuwKi ¯Íi we‡ePbvq wb‡q G‡R›U‡ì †jb‡`b I Kvh©µg Z`viwK KiY;
(M) cÖwZôvb KZ…©K SzuwKi ¯Íi wba©vi‡Yi KvRwU wbqwgZfv‡e (On-going) m¤úbœ KiY;
(N) G‡R›U‡ì gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva msµvšÍ cwicvjb Ae¯’v hvPvB KiY;
3
hvPvB cÖwµqv Gi g‡a¨ wb‡qv‡Mi Rb¨ wbev©wPZ G‡R‡›Ui e¨w³MZ Z_¨vejx Ges Acivag~jK Kv‡Ri m¤ú„³Zv Av‡Q wKbv Zv hvPvB‡qi welqvejx AšÍfy©³
_vK‡e|
11
(O) evwl©K wfwË‡Z D”P SzuwK m¤úbœ G‡R›U‡ì gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva cwicvjb
Ae¯’v hvPvB‡qi wbwgË cwi`k©b/wbixÿv Kvh©µg cwiPvjbvKiY Ges G msµvšÍ cÖwZ‡e`b
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡M †cÖiY;
(P) ga¨g I wb¤œ SzuwK m¤^wjZ G‡R›U‡ì cwi`k©b/wbixÿv Kvh©µg cÖwZôvb KZ©„K wbav©wiZ weiwZ‡Z
m¤úbœKiY;
(Q) G‡R›U‡ì nvjbvMv` (Rvbyqvwi-Ryb wfwËK) ZvwjKv wbR¯^ I‡qemvB‡U cÖKvk;
(R) wewfbœ Awf‡hvM/Awbq‡gi wfwË‡Z evwZjK…Z G‡R›U‡ì GKwU Avjv`v ZvwjKv (Rvbyqvwi-Ryb
wfwËK) wbR¯^ I‡qemvB‡U cÖKvk; Ges
(S) G‡R›U e¨vswKs Gi †ÿ‡Î weGdAvBBD KZ©„K RvixK…Z Guidelines on e-KYC Gi cÖ‡hvR¨
wb‡`©kbv AbymiY Kiv hv‡e|
3.15 mkix‡i Abycw¯’Z Mªvn‡Ki ( Non face to face customer) †ÿ‡Î KiYxq :
e¨vsK Zv‡ì mkix‡i Abycw¯’Z MÖvn‡Ki wnmve †Lvjv ev †mev cÖ`v‡bi †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi
SzuwK wbiƒcY Ges SzuwK wbim‡bi bxwZ I c×wZ cÖYqb Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e| G ‡ÿ‡Î
weGdAvBBD KZ©„K RvixK…Z Guidelines on e-KYC Gi wb‡`©kbv AbymiY Kiv hv‡e| D‡jøL¨, mkix‡i
Abycw¯’Z MÖvnK ej‡Z H mKj MÖvnK‡K eySv‡e hviv e¨vsK kvLvq mkix‡i Dcw¯’Z bv n‡q B›Uvi‡b‡Ui gva¨‡g,
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/A_ev †jb‡`b cwiPvjbv K‡i _v‡K|
3.16 bZzb ‡mev ev cÖhyw³ MÖn‡Yi †ÿ‡Î KiYxq :

e¨vsK KZ©„K cÖhyw³ wbf©i bZzb ‡Kv‡bv cY¨ ev ‡mev ev cÖhyw³ (†hgb, B›Uvi‡bU e¨vswKs, B‡jKUªwbK KvW©, B-
‡KIqvBwm, myBdU& UªvbRvKkb cø¨vUdg© BZ¨vw`) cÖPjb ev cÖPwjZ cY¨ ev †mev ev cÖhyw³i Dbœq‡bi †ÿ‡Î D³
cY¨ ev ‡mev ev cÖhyw³i gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK wPwýZ Ki‡e; Zvi gvÎv wbiƒcY Ki‡e Ges Giƒc
cY¨ ev ‡mev ev cÖhyw³ n‡Z m„ó SuywK †gvKv‡ejvi Rb¨ h_vh_ eë¯’v MªnY Ki‡e| D‡jøL¨, Av‡jvP¨ eë¯’vw`
bZzbiƒ‡c D™¢vweZ cY¨ ev †mev ev cÖhyw³i cÖPjb ev DbœqbK…Z cY¨ ev †mev ev cÖhyw³i cÖPj‡bi c~‡e©B MÖnY Ki‡Z
n‡e|
3.17 †MvcbxqZv iÿv :

m‡›`nRbK †jb‡`b ev Kvh©µg kbv³KiY I wi‡cvU©KiY msµvšÍ mswkøó Z_¨vwì wel‡q e¨vsK †MvcbxqZv wbwðZ
Ki‡e Ges wewfbœ mg‡q weGdAvBBD KZ©„K hvwPZ Z‡_ï h_vh_ †MvcbxqZvI wbwðZ Ki‡e| G wel‡q
weGdAvBBD KZ©„K 22/04/2018 Zvwi‡L RvixK…Z mvKz©jvi †jUvi b¤î-1 G ewY©Z wb‡`©kbv AbymiYxq 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‡ì kvLv I mvewmwWqvix cÖwZôv‡bi †ÿ‡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;
12
(2) we‡`‡k Aew¯’Z kvLv ev mvewmwWqvix cÖwZôvb hw` ‡Kv‡bv Kvi‡Y 4(1) G ewY©Z wb‡`©kbv h_vh_fv‡e
cwicvj‡b Amg_© nq Z‡e D³ cÖwZôvb gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK eë¯’vcbvi Rb¨
cÖ‡hvR¨ eë¯’v MÖnY Ki‡e Ges AcviMZvi KviY Awej‡¤^ weGdAvBBD‡K AewnZ Ki‡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) †ÿ‡ÎI cÖ‡hvR¨ n‡e|
5| ‡jb‡`b cixÿY :
m‡›`nRbK †jb‡`b kbv³Ki‡Y ‡jb‡`b cixÿ‡Yi ¸iæZ¡ we‡ePbvq cÖwZwU e¨vsK‡K AZ¨šÍ m‡PZbZv I mZK©Zvi
mv‡_ MÖvn‡Ki †jb‡`bmg~n cixÿ‡Yi †ÿ‡Î bx‡Pi welq¸‡jv Z`viKxi AvIZvq Avb‡Z n‡e :
(1) cÖwZwU e¨vsK Mªvn‡Ki †jb‡`b wbqwgZfv‡e g¨vby‡qj Ges/A_ev A‡Uv‡g‡UW c×wZ‡Z Z`viwK;
(2) mKj RwUj, A¯^vfvweK Ges AvcvZ`„wó‡Z †h mKj †jb‡`‡bi ‡Kv‡bv Avw_©K ev `„wóMÖvn¨ •ea D‡Ïk¨ †bB
Giƒc †jb‡`b AwaKZi ¸iæZ¡ mnKv‡i ch©v‡jvPbvc~e©K m‡›`nRbK †jb‡`b/Kvh©µg kbv³Ki‡Yi D‡`¨vM
MÖnY Ki‡e| GQvovI m‡›`nRbK †jb‡`b/Kvh©µg kbv³Ki‡Yi wbwgË Guidance on Reporting
Suspicious Transaction I Guidelines for Prevention of Trade Based Money Laundering
G ewY©Z wb‡`©kKmg~n we‡eP¨ n‡e;
(3) ‡jb‡`b cixÿ‡Yi †ÿ‡Î kvLvq gvwbjÛvwis cÖwZ‡iva AvBb, 2012, aviv 2(d)(C) G ewY©Z Kvh©µg
(Structuring) msMwVZ n‡”Q wK bv e¨vsKmg~n Zv kbv³Ki‡Y m‡Pó _vKv;
(4) ‡jb‡`b cixÿ‡Yi †ÿ‡Î mKj cÖKvi •e‡`wkK gy`vª i †jb‡`b I B‡jKUªwbK Dcv‡q msNwUZ mKj
†jb‡`bmg~nI we‡ePbv; Ges
(5) ‡jb‡`b cixÿ‡Yi ‡ÿ‡Î RvwZms‡Ni wbivcËv cwil‡ì mswkøó †iRy‡jkb, evsjv‡`k miKvi KZ©„K
ZvwjKvfy³ e¨w³ ev wbwl× †NvwlZ msMVb, Ges †h me †`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 †mB msµvšÍ welqvejx we‡ePbvq
†bqv|
6| bM` †jb‡`b weeiYx `vwLj (Cash Transaction Report-CTR) :

weGdAvBBD eive‡i bM` †jb‡`b weeiYx `vwLj Kivi †ÿ‡Î e¨vsKmg~n‡K wb‡¤œv³ welqvejx AbymiY Ki‡Z n‡e :
(1) cÖwZwU e¨vsK kvLvmg~‡ni c~e©eZ©x gv‡mi •`bw›`b †jb‡`b cixÿv K‡i ‡Kv‡bv GKwU wnmv‡e ‡Kv‡bv GKwU
wbw`©ó w`‡b GK ev GKvwaK †jb‡`‡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~‡jï •e‡`wkK
gy`vª q nq Z‡e Zv ¯^ ¯^ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM Gi gva¨‡g gvwmK wfwË‡Z
weGdAvBBD eive‡i bM` †jb‡`b weeiYx wn‡m‡e `vwLj;
(2) cÖwZ gv‡mi bM` †jb‡`b weeiYx cieZx© gv‡mi 21 Zvwi‡Li g‡a¨ goAML web eënvi K‡i goAML
Manual (http://www.bb.org.bd/eservices.php I‡qewjsK n‡Z goAML mswkøó cÖ‡qvRbxq
document WvDb‡jvW Kiv hv‡e) Gi wb‡`©kbv ‡gvZv‡eK wbfz©jfv‡e `vwLj;
(3) bM` †jb‡`b weeiYx wbqwgZfv‡e ch©v‡jvPbv‡šÍ ‡Kv‡bv m‡›`nRbK †jb‡`b cwijwÿZ n‡j m‡›`nRbK
†jb‡`b wi‡cvU© wn‡m‡e weGdAvBBD eivei `vwLj;
13
(4) kvLvi bM` †jb‡`b weeiYx gvwmK wfwË‡Z mswkøó kvLvq msiÿY (Z‡e ‡Kv‡bv e¨vsK KZ©„K G msµvšÍ
Z_¨ †K›`ªxqfv‡e msiÿY Kiv n‡j, cÖ‡qvR‡b Zv‡Z kvLvi cÖ‡ekvwaKvi _vK‡Z n‡e);
(5) miKvwi wnmve (wewfbœ gš¿Yvjq, ¯’vbxq miKvi I miKvix wewfbœ wefvM), miKvwi gvwjKvbvaxb cÖwZôvb,
Avav miKvwi ev ¯^vqËkvwmZ cÖwZôv‡bi wnmv‡e bM` Rgvi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj Kivi
cÖ‡qvRb n‡e bv, Z‡e bM` D‡Ëvj‡bi †ÿ‡Î h_vwbq‡g bM` †jb‡`b weeiYx `vwLj Ki‡Z n‡e;
(6) ¯‥zj, K‡jR, wek¦we`¨vjqmn mKj wkÿv cÖwZôv‡bi ‡eZbvw`/wUDkb wd Ges miKvix BDwUwjwU wej
(we`y¨r, cvwb, M¨vm BZ¨vw`) Gi A_© msMÖ‡ni D‡Ï‡k¨ cwiPvwjZ ‡Kv‡bv wnmv‡e bM` Rgvi ‡ÿ‡Î bM`
†jb‡`b weeiYx `vwLj Kivi cÖ‡qvRb ‡bB| Z‡e bM` D‡Ëvj‡bi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj
Ki‡Z n‡e; Ges
(7) AvšÍte¨vsK Ges AšÍtkvLv bM` †jb‡`‡bi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj Kivi cÖ‡qvRb n‡e bv|
7| m‡›`nRbK †jb‡`b cÖwZ‡e`b (Suspicious Transaction Report-STR) :

weGdAvBBD eive‡i m‡›`nRbK †jb‡`b cÖwZ‡e`b `vwLj Kivi †ÿ‡Î e¨vsKmg~n wb‡¤œv³ welqvejx AbymiY
Ki‡e :
(1) gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 25(1)(N) aviv I mš¿vm we‡ivax AvBb, 2009 Gi 16(1) avivq
ewY©Z wb‡`©kbv ev¯Íevq‡bi wbwgË e¨vs‡Ki mKj Kg©KZ©v MÖvn‡Ki •`bw›`b †jb‡`b ev Kvh©µ‡g
m‡›`nRbK †jb‡`b kbv³Ki‡Y m‡PZb I mZK© _vK‡e;
(2) m‡›`nRbK †jb‡`b kbv³Ki‡Y e¨vsK Kg©KZ©vMY gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 2(h) aviv I
mš¿vm we‡ivax AvBb, 2009 Gi 2(16) avivq ewY©Z msÁv we‡ePbvq wb‡e;
(3) e¨vsK kvLvi ‡Kv‡bv Kg©KZ©v KZ…©K m‡›`nRbK †jb‡`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 †jb‡`b ev Kvh©µg Awej‡¤^ h_vh_fv‡e we‡kølY Ki‡e Ges ch©‡eÿYmg~n
wek`fv‡e wjwce× K‡i msiÿY Ki‡e| ewY©Z †jb‡`b ev Kvh©µgwU m‡›`nRbK wn‡m‡e we‡ewPZ n‡j Zv
Awej‡¤^ cÖ‡qvRbxq `wjjvw`mn gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡M †cÖiY Ki‡e;
(4) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM kvLv n‡Z cÖvß m‡›`nRbK †jb‡`b ev Kvh©µgwU
h_vh_fv‡e I cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw` mwbœ‡ek K‡i wi‡cvU© Kiv n‡q‡Q wK bv Zv
ch©v‡jvPbvc~e©K, cÖ‡hvR¨ †ÿ‡Î mswkøó AwZwi³ Z_¨ (hw` _v‡K) ms‡hvRbc~e©K Awej‡¤^ goAML web
eënvi K‡i Ges goAML Manual Gi wb‡`©kbv Abymv‡i m‡›`nRbK †jb‡`b /Kvh©µg cÖwZ‡e`b
`vwLj Ki‡e;
(5) kvLv ch©v‡q ‡Kv‡bv †jb‡`b ev Kvh©µg m‡›`nRbK wn‡m‡e wPwýZ bv n‡jI gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iva wefvM KZ…©K ‡Kv‡bv †jb‡`b ev Kvh©µg m‡›`nRbK cÖZxqgvb n‡j Zv m‡›`nRbK
†jb‡`b cÖwZ‡e`b wn‡m‡e `vwLj Ki‡e;
(6) e¨vsK m‡›`nRbK †jb‡`b/Kvh©µg cÖwZ‡e`b Gi Z_¨vw` weGdAvBBD KZ©„K cieZ©x wb‡`©kbv bv †`qv
ch©šÍ msiÿY Ki‡e; Ges
(7) e¨vsK m‡›`nRbK †jb‡`b/Kvh©µg kbv³ I wi‡cvU© Kivi †ÿ‡Î weGdAvBBD KZ©„K RvixK…Z Guidance
on Reporting Suspicious Transaction Gi wb‡`©kbv AbymiY Ki‡e|
14
8| ‡mj&d G¨v‡mm‡g›U I BwÛ‡c‡Û›U †Uw÷s :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a GKwU Kvh©Kwi eë¯’v cÖwZôvi j‡ÿ¨ e¨vs‡Ki Af¨šÍixY wbixÿv
wefv‡Mi gva¨‡g kvLvmg~n n‡Z cÖvß ‡mj&d G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`b we‡kølY Ges BwÛ‡c‡Û›U †Uw÷s
h_vh_fv‡e m¤úbœ Kivi Rb¨ D³ wefv‡M GZ`&msµvšÍ AwfÁ Kg©KZ©v envj Ki‡Z n‡e|
8.1 kvLvmg~‡ni KiYxq :

(1) ‡mj&d G¨v‡mm‡g›U Gi Rb¨ wba©vwiZ †PKwjó (cwiwkó- ÔMÕ) Gi Dci wfwË K‡i lvb¥vwmK wfwË‡Z cÖwZwU
kvLv wb‡R‡ì g~j¨vqb Ki‡e;
(2) Av‡jvP¨ g~j¨vqb cÖwZ‡e`b P~ovšÍ Kivi c~‡e© kvLv eë¯’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó Kg©KZ©v‡ì wb‡q
mfv Av‡qvRb Ki‡e| mfvq kvLv g~j¨vqb cÖwZ‡e`‡bi Lmovi Dci Av‡jvPbv Ges Z`‡cÖwÿ‡Z wPwýZ
mgm¨v kvLv ch©v‡q mgvavb Kiv m¤¢eci bv n‡j Zv cÖwZ‡e`‡b D‡jøLc~e©K mgm¨v mgvavbK‡í cÖavb
Kvh©vj‡qi Af¨šÍixY wbixÿv wefvM I gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡M †cÖiY Ki‡e
Ges D`&NvwUZ mgm¨vmg~n mgvav‡b cÖavb Kvh©vj‡q †cÖwiZ mycvwikgvjvi AMÖMwZ cieZ©x ‣ÎgvwmK mfv‡Z
Av‡jvPbv Ki‡e|
8.2 Af¨šÍixY wbixÿv wefv‡Mi KiYxq :

(1) Af¨šÍixY wbixÿv wefvM KZ©„K kvLvmg~n n‡Z cÖvß ‡mj&d 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 eë¯’v Ki‡e Ges
welqwU gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM‡K AewnZ Ki‡e;
(2) Af¨šÍixY wbixÿv wefvM Zv‡ì wbR¯^ I wbqwgZ evwl©K cwi`k©b/wbixÿv Kg©m~Px Abymv‡i wewfbœ kvLvi
cwi`k©b/wbixÿv Kvh©µg m¤úv`bKv‡j BwÛ‡c‡Û›U †Uw÷s cÖwmwWDi Gi wba©vwiZ †PKwj‡ói (cwiwkó-
ÒNÓ) wfwË‡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 kvLvq cÖwZ‡e`b AvKv‡i †cÖiY Ki‡e| GQvov, wbqwgZ evwl©K
cwi`k©b/wbixÿv Kg©m~Pxi AwZwi³ Kgc‡ÿ 10% (`k kZvsk) kvLvq BwÛ‡c‡Û›U †Uw÷s cÖwmwWDi Gi
wba©vwiZ †PKwjó (cwiwkó- ÒNÓ) Gi wfwË‡Z c„_K cwi`k©b Kg©m~Px cwiPvjbvc~e©K 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 †iwUs m¤^wjZ cÖwZ‡e`‡bi Kwc e¨vs‡Ki
gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM eive‡i †cÖiY Ki‡e; Ges
(4) G‡R›U e¨vswKs Kvh©µ‡g wb‡qvwRZ e¨vsKmg~‡ni †ÿ‡Î Af¨šÍixY wbixÿv wefvM Zv‡ì G‡R›U‡ì
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg mswkøó welqvwì cwicvjb Ae¯’v hvPvB‡qi wbwgË
evwl©K wfwË‡Z b~¨bZg 5% (cvuP kZvsk) G‡R‡›Ui Dci cwi`k©b/wbixÿv Kvh©µg cwiPvjbv Ki‡e Ges
G msµvšÍ cÖwZ‡e`‡bi Kwc gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefv‡M †cÖiY Ki‡e|
8.3| gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡Mi KiYxq :

(1) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM kvLvmg~n n‡Z cÖvß ‡mj&d 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
15
K‡i we‡eP¨ lvb¥vwm‡K cwi`wk©Z kvLvmg~‡ni †PKwj÷ wfwËK g~j¨vqb cÖwZ‡e`b (G mvKzj© v‡ii Aby‡”Q`
1.3(2) G DwjøwLZ cÖwZ‡e`‡bi Abyiƒc) 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 †gvU ‡mj&d G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`‡bi msL¨v;
(L) Af¨šÍixY wbixÿv wefvM KZ©„K cwi`wk©Z/wbixwÿZ kvLvi msL¨v Ges kvLvmg~‡ni Ae¯’v
(kvLvIqvix cÖvß b¤î);
(M) cÖvß ‡mj&d G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`‡b AwaK msL¨K kvLvq GKB ai‡Yi †h mKj Awbq‡gi
welq D‡jøL i‡q‡Q Zv D‡jøLc~e©K H mKj Awbqg †iv‡a gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iva wefvM KZ©„K eë¯’v MÖnY;
(N) Af¨šÍixY wbixÿv wefvM KZ©„K `vwLjK…Z cÖwZ‡e`‡b DwjøwLZ mvaviY I we‡kl Awbqgmg~n Ges
H mKj Awbqg †iv‡a gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM KZ©„K eë¯’v MÖnY; Ges
(O) cÖvß wi‡cv‡U© ÒAm‡šÍvlRbKÓ I ÒcÖvwšÍKÓ wn‡m‡e g~j¨vwqZ kvLvmg~‡ni cwicvjb wbwðZKiY I
†iwUs DbœqbK‡í eë¯’v MÖnY|
(2) kvLvmg~n n‡Z cÖvß ‡mj&d 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 eë¯’v
Ki‡e Ges welqwU Dchy³ KZ©„c‡ÿi bR‡i Avb‡e|
9| Iq¨vi UªvÝdvi (Wire transfer) :
ÒIq¨vi UªvÝdvi (Wire transfer)Ó ej‡Z Ggb Avw_©K †jb‡`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 eënvi K‡i Aci ‡Kv‡bv e¨vsK ev
cÖwZôv‡bi kvLvi mnvqZvq †ewbwdwkqvwi e¨w³ ev cÖwZôvb‡K A_© cÖ`vb K‡i|
9.1 mKj ai‡Yi Iq¨vi UªvÝdv‡ii †ÿ‡Î wb‡¤œv³ Z_¨vejx MÖnY wbwðZKiY:
(1) AvšÍt‡`kxq Iq¨vi UªvÝdvi4 :
(K) mvaviY ev we‡kl AbygwZi AvIZvq Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev
mgg~‡jï Acivci •e‡`wkK gy`vª q AvšÍt‡`kxq Iq¨vi UªvÝdv‡ii †ÿ‡Î Av‡e`bKvixi5 mwVK6 Z_¨
msMÖn, msiÿY Ges D³ Z_¨ B›UviwgwWqvwi/‡ewbwdwkqvwi e¨vs‡K †cÖiY Ki‡e| D³ Z‡_ï g‡a¨
Av‡e`bKvixi wnmve b¤î ev wnmve b¤î bv _vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤î ( Unique
Transaction Reference Number) AšÍfy©³ _vK‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R
cvIqv hvq| GQvovI ‡ewbwdwkqvwi m¤úwK©Z Z‡_ï g‡a¨ ‡ewbwdwkqvwii wnmve b¤î ev wnmve b¤î
bv _vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤î (Unique Transaction Reference Number) AšÍfy©³
_vK‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R cvIqv hvq|
4
AvšÍt‡`kxq Iq¨vi UªvÝdvi (Cross-border wire transfer) ej‡Z Giƒc Avw_©K †jb‡`b‡K eySv‡e †h ‡ÿ‡Î Av‡e`bKvix Ges †ewbwdwkqvwi
wfbœ †`‡k Ae¯’vb K‡i| ZvQvov ci¯úi m¤úK©hy³ GKvwaK UªvÝdv‡ii ‡ÿ‡Î b~¨bc‡ÿ GKwU †jb‡`b †`‡ki evB‡i m¤úvw`Z n‡j ZvI
AvšÍt‡`kxq Iq¨vi UªvÝdvi g‡g© MY¨ n‡e|
5
Av‡e`bKvix (Applicant/originator) 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|
6
Av‡e`bKvixi mwVK Z_¨ ej‡Z Av‡e`bKvixi bvg Ges wVKvbv ev RvZxq cwiPqcÎ ev Rb¥ZvwiL m¤úwK©Z Giƒc Z_¨‡K †evSv‡e hvi mwVKZv
hvPvB Kiv n‡q‡Q|
16
(L) (1)(K) Aby‡”Q‡` ewY©Z mxgvi bx‡Pi †jb‡`bmg~‡ni †ÿ‡Î Av‡e`bKvix I ‡ewbwdwkqvwi m¤úwK©Z
Z_¨ (hv hvPvB‡qi cÖ‡qvRb n‡e bv) ‡hgb: bvg, wVKvbv BZ¨vw` Ges wnmve b¤î ev wnmve b¤î bv
_vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤î (Unique Transaction Reference Number) AšÍf‚©³
Ki‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R cvIqv hvq|
(M) AvšÍt‡`kxq Iq¨vi UªvÝdv‡ii A_© †ewbwdwkqvwi7‡K cÖ`v‡bi †ÿ‡Î †ewbwdwkqvwi m¤úwK©Z Z_¨
msiÿY Ki‡e; Ges
(N) ‡h mKj †ÿ‡Î GKK Av‡e`bKvix KZ©„K GKvwaK AvšÍt‡`kxq Iq¨vi UªvÝdv‡ii gva¨‡g GKvwaK
†ewbwdwmqvwii AbyK‚‡j e¨vP dvB‡j ¸”QvKv‡i (Bundled in a batch file) †cÖiY Kiv nq ‡m mKj
†ÿ‡Î e¨vP dvB‡j Av‡e`bKvixi mwVK I †ewbwdwmqvwii c~Y©v½ Z_¨ AšÍf©y³ Ki‡e| GQvovI,
Av‡e`bKvix I †ewbwdwkqvwii wnmve b¤î ev wnmve b¤î bv _vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤î
(Unique Transaction Reference Number) AšÍf©y³ _vK‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R
Lyu‡R cvIqv hvq|
(2) Af¨šÍixY Iq¨vi UªvÝdvi8 :

(K) e¨vsK KZ…©K m¤úvw`Z Af¨šÍixY Iq¨vi UªvÝdv‡ii †ÿ‡Î Av‡e`bKvix ev †ewbwdwkqvwii cwiwPwZ
msµvšÍ Z_¨ MÖnY I hvPvB‡qi mgq G mvKz©jv‡ii Aby‡”Q` 9.1.(1) G ewY©Z cÖ‡hvR¨
wb‡`©kbvmg~n cwicvjb Ki‡e;
(L) †WweU ev †µwWU KvW© eënvi K‡i Iq¨vi UªvÝdv‡ii †ÿ‡Î (cY¨ I †mev µq e¨ZxZ) cwi‡kva
msµvšÍ BÝUªvKkb/evZ©vq Dc‡ii 2(K) Gi Abyiƒc Z_¨ msiÿY Ki‡e; Ges
(M) miKvwi, AvavmiKvwi, ev ¯^vqËkvwmZ cÖwZôv‡bi AbyK‚‡j Iq¨vi UªvÝdv‡ii ‡ÿ‡Î Dchy©³
wb‡`©kbvmg~‡ni cwicvjb eva¨Zvg~jK bq| AvšÍte¨vsK †jb‡`b Kvh©µ‡gi †ÿ‡Î Dc‡ii 2(K)
`dvq ewY©Z wb‡`©kbv cwicvjb Ae¨vnwZ ‡hvM¨ g‡g© we‡ewPZ n‡e|
9.2 Iq¨vi UªvÝdvi msµvšÍ Ab¨vb¨ wb‡`©kbv :

(1) GZ`&mswkøó Kvh©µg cwiPvjbvKv‡j mswkøó mKj cÿ‡K 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 I wewaweavb h_vixwZ AbymiY
Ki‡e; Ges
(2) AvšÍt‡`kxq Iq¨vi UªvÝdvi Ges Af¨šÍixY Iq¨vi UªvÝdv‡ii †ÿ‡Î G mvKz©jv‡ii Aby‡”Q` (2) I (10)
G ewY©Z wb‡`©kbvi cwicvjb Ki‡e|
7
‡ewbwdwkqvwi (Beneficiary) ej‡Z Ggb ‡Kv‡bv e¨w³ ev cÖwZôvb‡K (wnmveavix wKsev wnmveavix bb) eySv‡e hvi AbyK‚‡j A_© †cÖiY Kiv nq|
8
Af¨šÍixY Iq¨vi UªvÝdvi (Domestic wire transfer) ej‡Z Giƒc †jb‡`b‡K eySv‡e †h ‡ÿ‡Î Av‡e`bKvix I ‡ewbwdwkqvwi GKB †`‡k
Ae¯’vb K‡i| G‡ÿ‡Î ci¯úi m¤úK©hy³ GKvwaK UªvÝdv‡i eëüZ cÖwµqv Ab¨ ‡Kv‡bv †`‡k m¤úbœ n‡jI Zv Af¨šÍixY Iq¨vi UªvÝdvi g‡g©
MY¨ n‡e| 4-8 µwg‡Ki Drm: dvBb¨vwÝqvj G¨vKkb Uv¯‥‡dv‡m©i mycvwikmg~n|
17
9.3 AW©vwis, B›UviwgwWqvix I ‡ewbwdwkqvwi e¨vs‡Ki KiYxq :
(1) AW©vwis e¨vsK : AW©vwis e¨vsK‡K Iq¨vi UªvÝdvi msµvšÍ †jb‡`‡bi †ÿ‡Î Av‡e`bKvixi mwVK I c~Y©v½
Z_¨ wbwðZ Ki‡e| GQvov AW©vwis e¨vsK‡K †ewbwdwkqvwii A_©en Z_¨ msMÖn Ki‡Z n‡e| G me 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| GQvovI AW©vwis e¨vsK G mvK©yjv‡ii Aby‡”Q` 9 (1) I (2) ewY©Z wb‡`©kbv c~iY bv K‡i †Kvbiƒc
AvšÍt‡`kxq Ges Af¨šÍixY Iq¨vi UªvÝdvi Kvh©µg m¤úv`b Ki‡e bv|
(2) B›UviwgwWqvix e¨vsK :

(K) AvšÍt‡`kxq I Af¨šÍixY Dfq ai‡Yi Iq¨vi UªvÝdv‡ii †ÿ‡Î AW©vwis e¨vsK I †ewbwdwkqvwi
e¨vs‡Ki gv‡S ‡Kv‡bv e¨vsK †h ‡Kv‡bv ai‡Yi B›UviwgwWqvix wn‡m‡e Kvh© m¤úv`b Kv‡j D³ e¨vsK
KZ©„K Av‡e`bKvix Ges †ewbwdwkqvwi m¤úwK©Z Z_¨vw` msiÿY wbwðZ Ki‡e| Av‡e`bKvix Ges
†ewbwdwkqvwi m¤úwK©Z Ach©vß Z_¨vw` wPwýZ Kivi Rb¨ h_vh_ eë¯’v MÖnY Ki‡e| GQvovI
AW©vwis e¨vsK (cÖ‡hvR¨ †ÿ‡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 Iq¨vi UªvÝdvi m¤úv`‡bi †ÿ‡Î Av‡e`bKvix ev †ewbwdwkqvwii
Z‡_ï Afv‡e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cÖ‡qvRbxq d‡jvAvc
Kvh©µ‡gi Rb¨ mswkøó e¨vs‡K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK‡e|
(3) ‡ewbwdwkqvwi e¨vsK :

(K) Iq¨vi UªvÝdvi msµvšÍ †jb‡`b Kvh©µ‡g RwoZ ‡ewbwdwkqvwi e¨vsK Av‡e`bKvixi ev
†ewbwdwkqvwii c~Y©v½ Z‡_ï ‡Kv‡bv NvUwZ Av‡Q wK bv Zv hvPvB Kivi Rb¨ GKwU SzuwKwfwËK
c×wZi cÖeZ©b Ki‡e| †ewbwdwkqvwii c~Y©v½ Z‡_ï ‡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 Acivci
•e‡`wkK gy`vª i †jb‡`‡bi †ÿ‡Î] cÖ‡qvRb‡ev‡a mswkøó cÿmg~n cvi¯úwiK †hvMv‡hv‡Mi gva¨‡g ev
Ab¨vb¨ m~Î eënvi K‡i Z_¨ msMÖn Ki‡e ev cwiwPwZ hvPvB Ki‡e| cÖvcK/ †ewbwdwkqvwi‡K A_©
cwi‡kv‡ai mgq ‡ewbwdwkqvwi e¨vsK‡K cÖvcK/ †ewbwdwkqvwii c~Y©v½ I mwVK Z_¨ msMÖn I mswkøó
Z_¨ b~¨bZg 05 (cvuP) eQi msiÿY Ki‡Z n‡e; Ges
(L) cÖwZwU †ewbwdwkqvwi e¨vsK KZ©„K Iq¨vi UªvÝdvi m¤úv`‡bi †ÿ‡Î Av‡e`bKvix ev †ewbwdwkqvwii
Z‡_ï Afv‡e D³ UªvÝdvi m¤úv`b ev ¯’wMZKiY ev iwnZKiY Ges cÖ‡qvRbxq d‡jvAvc
Kvh©µ‡gi Rb¨ mswkøó e¨vs‡K GKwU SuywKwfwËK bxwZgvjv I c×wZ _vK‡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‡ì †iRy‡jkb 1267 I Zvi AbyeZx© †iRy‡jkbmg~n, RvwZms‡Ni wbivcËv cwil‡ì
†iRy‡jkb bs 1373 Ges e¨vcK aŸsmvZ¥K A¯¿ we¯Ívi I Dnv‡Z A_© ms¯’vb cÖwZ‡iva, `gb Ges e¨vnZKiY
m¤úwK©Z †iRy‡jkbmg~‡ni ev¯Íevq‡bi Rb¨ e¨vsKmg~n wb‡¤œv³ c`‡ÿc MÖnY Ki‡e :
18
(1) cÖ‡Z¨K e¨vsK cwiPvjbv cl©‡ì Aby‡gv`bµ‡g mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i
A_©vqb msµvšÍ †jb‡`b cÖwZ‡iva I kbv³ Kivi j‡ÿ¨ GKwU c×wZ cÖwZôv Ki‡e, e¨vs‡Ki Kg©KZ©v‡ì
`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 wK bv Zv wbwðZ Ki‡e;
(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 cÖKvwkZ 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 Awej‡¤^ weGdAvBBD eive‡i ‡cÖiY Ki‡e;
(3) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRy‡jk‡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× †NvwlZ mËvi nvjbvMv` Z_¨ B‡j±ªwbK c×wZ‡Z msiÿY
I Zvi h_vh_ eënvi wbwðZ Ki‡e;
(4) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡ì ‡Kv‡bv †iRy‡jk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K
ZvwjKvfz³ ev wbwl× †NvwlZ ‡Kv‡bv e¨w³ ev mËvi bv‡g A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì wbqš¿Yvaxb
A_ev ‡Kv‡bv mn‡hvMx e¨w³ ev mËvi bv‡g e¨vsK wnmve i‡q‡Q wK bv ev ‡Kv‡bv †jb‡`b msNwUZ n‡q‡Q
wKbv Zv wPwýZ Kivi Rb¨ wbqwgZ Kvh©µg MÖnY Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e| GQvovI
G cÖwµqvq cÖvß False Positive9 msµvšÍ Z_¨ msiÿY Ki‡e| ZvwjKvfz³ ev wbwl× †NvwlZ ‡Kv‡bv
e¨w³ ev mËv A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì wbqš¿Yvaxb A_ev ‡Kv‡bv mn‡hvMx e¨w³ ev mËvi ‡Kv‡bv
e¨vsK wnmve ev †jb‡`b10 wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ wnmv‡ei ‡jb‡`b ev †jb‡`bwU
¯’wMZ K‡i cieZx© Kg© wè‡mi g‡a¨ G welqK we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e; Ges
(5) RvwZms‡Ni wbivcËv cwil‡ì mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vqb msµvšÍ
†iRy‡jkbmg~‡ni ev¯Íevq‡bi †ÿ‡Î weGdAvBBD KZ©„K RvixK…Z Guidance Notes for Prevention of
Terrorist Financing and Financing of Proliferation of Weapons of Mass Destruction Gi
wb‡`©kbv AbymiYxq n‡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 †ÿ‡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¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡M Dchy³ msL¨K mg¨K wel‡q `ÿ Kg©KZ©vi c`vqb Ki‡e|
9
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 (Source: Guidance Notes for Prevention of Terrorist Financing and Financing of Proliferation of
Weapons of Mass Destruction).
10
e¨vsK wnmve ev †jb‡`b wPwýZ Kivi †ÿ‡Î e¨vsK KZ…©K cÖ`Ë mKj cÖKvi †mev 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) e¨vs‡Ki mKj Kg©KZ©v‡ì 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 cÖwkÿY11 cÖ`v‡bi eë¯’v Ki‡e| G‡ÿ‡Î Dchy³ cÖwkÿY ej‡Z wewfbœ ¯Íi
I wefv‡Mi Kg©KZ©v‡ì Rb¨ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK †g․wjK I Zv‡ì
Kvh©µ‡gi mv‡_ mswkøó gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK cÖwZ‡iva welqK Ges GKwU wbw`©ó mgq
AšÍi AšÍi Refresher Training †K eySv‡e;
(2) cÖavb I 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 eë¯’v Ki‡e; Ges
(3) 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‡ì m‡PZbZv
e„w×i j‡ÿ¨ e¨vsKmg~n wb‡¤œv³ c`‡ÿcmg~n MÖnY Ki‡e t
(1) e¨vsK Zv‡ì MÖvnK‡ì wnmve †Lvjvi cÖv°v‡j hvwPZ wewfbœ Z_¨ mwbœ‡ek I `wjjvw` `vwL‡ji †h․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‡ì m‡PZbZv e„w×i j‡ÿ¨ mgq mgq wjd‡jU weZiY Ges cÖwZwU e¨vsK
kvLvq `„k¨gvb ¯’v‡b G welqK †cv÷vi ¯’vc‡bi eë¯’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 eë¯’v Ki‡e|
12| ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY :

(1) e¨vsK ‡Kv‡bv MÖvnK mswkøó wb‡¤œ ewY©Z cÖ‡qvRbxq Z_¨vw`/`wjjvw` wnmve eÜ nIqvi ci Ab~¨b 05 (cuvP)
ermi msiÿY Ki‡e :
(K) Af¨šÍixY I •e‡`wkK †jb‡`b msµvšÍ Z_¨vw` ev `wjjvw`, 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 †h †Kv‡bv ai‡Yi wnmve ev †jb‡`‡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
(L)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) cÖ‡hvR¨ ‡ÿ‡Î, msiwÿZ Z_¨vw` Aciva Kvh©µ‡gi wePvwiK cÖwµqvq `vwjwjK cÖgvY wn‡m‡e Dc¯’vcb Ki‡e
Ges msiwÿZ mKj Z_¨vw` I `wjjvw` weGdAvBBD Gi Pvwn`v ev wb‡`©kbv †gvZv‡eK mieivn Ki‡Z n‡e|
11
Dchy³ cÖwkÿY ej‡Z wewfbœ ¯Í‡ii Ges wewfbœ wefv‡Mi Kg©KZ©v‡ì Rb¨ wewfbœ ai‡Yi (Target Oriented) cÖwkÿY Ges GKwU wbw`©ó mgq
AšÍi AšÍi Refresher Training †K eySv‡e|
20
13| Ab¨vb¨ :
(1) wb¤œewY©Z mvKz©jvi I mvK©yjvi †jUvi e¨wZZ B‡Zvc~‡e© weGdAvBBD KZ©„K RvixK…Z Zdwmwj e¨vs‡Ki Rb¨
cÖ‡hvR¨ mKj mvKz©jvi I mvKz©jvi †jUv‡ii wb‡`©kbv G mvKz©jvi Øviv cÖwZ¯’vwcZ e‡j MY¨ n‡e;
mvKzj
© vi/ mvK©yjvi †jUvi bs Rvixi ZvwiL welq
GGgGj mvKz©jvi bs-22 21/04/2009 mš¿vm we‡ivax AvBb, 2009 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi bs-02 15/03/2012 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Rvix cÖm‡½|
weGdAvBBD mvKy©jvi †jUvi-01 30/01/2012 weGdAvBBD bvgKiY cÖm‡½|
weGdAvBBD mvKz©jvi bs-07 14/07/2013 mš¿vm we‡ivax (ms‡kvab) AvBb, 2013 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 08/01/2015 gvwbjÛvwis I mš¿vmx Kv‡h© A_v©qb SzuwK eë¯’vcbv MvBWjvBb cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 03 09/04/2015 mš¿vm we‡ivax wewagvjv, 2013 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 06 08/12/2015 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi ms‡kvabx Rvix cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 11/02/2016 RvwZmsN wbivcËv cwil‡ì †iRy‡jkb ev¯Íevqb cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 22/04/2018 Z‡_ï †MvcbxqZv iÿv cÖm‡½|
weGdAvBBD mvKz©jvi bs-22 31/01/2019 wi‡cvU© cÖ`vbKix ms¯’vmg~‡ni g‡a¨ Z_¨ wewbgq cÖm‡½|
weGdAvBBD mvKz©jvi bs-23 31/01/2019 Avw_©K MÖæc I we‡`‡k Aew¯’Z kvLv I mvewmwWqvixi Af¨šÍixY wbqš¿Y cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 24/02/2019 gvwbjÛvwis cÖwZ‡iva wewagvjv, 2019 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi bs-24 10/12/2019 evwYR¨ wfwËK gvwbjÛvwis MvBWjvBb cÖm‡½|
weGdAvBBD mvKz©jvi bs-25 08/01/2020 B-‡KIqvBwm MvBWjvBb 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‡ì wek¦¯,Í
ms‡hvRbx t eY©bv †gvZv‡eK|
(†gv: RvwKi †nv‡mb †P․ayix )

gnveë¯’vcK
‡dvbt 9530118
cÖwZwjwc bs-weGdAvBBD(cwjwm)-3/2020- 131 ZvwiL t DwjøwLZ
AeMwZ I cÖ‡qvRbxq eë¯’v MÖn‡Yi Rb¨ cÖwZwjwc †cÖwiZ n‡jv : (‡R¨ôZvi µg Abyhvqx bq)
1. wmwbqi mwPe, Avw_©K cÖwZôvb wefvM, A_© gš¿Yvjq, evsjv‡`k mwPevjq, XvKv|
2. †Pqvig¨vb, evsjv‡`k wmwKDwiwUR GÛ G·‡PÄ Kwgkb, AvMviMvuI, †ki-B-evsjvbMi XvKv|
3. mKj wefvMxq cÖavb, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
4. wbev©nx cwiPvjK/gnveë¯’vcK, evsjv‡`k e¨vsK, gwZwSj,
XvKv/PÆMÖvg/ivRkvnx/Lyjbv/e¸ov/wm‡jU/ewikvj/iscyi/gqgbwmsn/ mìNvU,XvKv|
5. wbev©nx cwiPvjK, evsjv‡`k e¨vsK ‡Uªwbs GKv‡Wgx, wgicyi, XvKv|
6. †Pqvig¨vb, evsjv‡`k G‡mvwm‡qkb Ae e¨vsKm, ReŸvi UvIqvi, 42 ¸jkvb GwfwbD, XvKv|
7. †Pqvig¨vb, G‡mvwm‡qkb Ae e¨vsKvm© evsjv‡`k, 73 B÷vY© Kgvwk©qvj Kg‡cø·, KvKivBj, XvKv|
8. gnvcwiPvjK, evsjv‡`k Bbw÷wUDU Ae e¨vsK g¨v‡bR‡g›U, wgicyi, XvKv|
9. gnvmwPe, w` Bbw÷wUDU Ae e¨vsKvm© evsjv‡`k, wW.Avi UvIqvi (13 Zjv), MvRx †Mvjvg `¯ÍMxi †ivW, cëb, XvKv|
10. gnveë¯’vcK, Mfb©i g‡nv`‡qi mwPevjq, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
11. Mfb©i g‡nv`‡qi e¨w³MZ Kg©KZ©v, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
12. †WcywU Mfb©i g‡nv`qM‡Yi mv‡_ mshy³ DccwiPvjK/mnKvix cwiPvjK, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
13. 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|
(‡gvt gvmy` ivbv)

hyM¥cwiPvjK
21
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
............e¨vsK/ e¨vsK wj.
.............kvLv
MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form)
(e¨w³K wnmv‡ei †ÿ‡Î eënvh©)
wnmve b¤î: .............................
BDwbK AvBwW †KvW: ..................
1. wnmv‡ei bvg :
2. wnmv‡ei cÖK…wZ :
3. wnmve †Lvjvi D‡Ïk¨ :
4. MÖvn‡Ki †ckv (we¯ÍvwiZ) :
5. MÖvn‡Ki gvwmK m¤¢ve¨ Avq :
6. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) :
7. wnmveavixi A‡_©i Drm/Drmmg~n wKfv‡e hvPvB Kiv n‡q‡Q (`wjjvw`mn we¯ÍvwiZ):......................
8. wnmveavixi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ):........................................
...............................................................................................................................
9. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) Av‡Q wK bv:
nüv bv
(DËi nüv n‡j cÖ‡Z¨K cÖK…Z myweav‡fvMx m¤úwK©Z Z_¨vw` mshyw³-1 †gvZv‡eK ‡KIqvBwm m¤úv`b Ki‡Z n‡e)
10. cwiwPwZ cÎ (‡h‡Kv‡bv GKwU):
Kwc M„nxZ hvPvBK…Z [wUK (√) w`b]
K) RvZxq cwiPq cÎ b¤î : . ............................ (cÖ‡hvR¨ †¶‡Î)
L) cvm‡cvU© b¤î : ............................. (cÖ‡hvR¨ †¶‡Î)
M) Rb¥ wbeÜb mb`cÎ b¤î : ............................ (cÖ‡hvR¨ †¶‡Î)
N) Ab¨vb¨ : .................................
11. Awbevmx (Non-resident) Ges we‡`kx‡ì †ÿ‡Î :
(K) wfmvi cÖK…wZ:............................................. †gqv` DËx‡Y©i ZvwiL:.............................
(L) Kg©vbygwZ (Work Permit) cÖvß‡ì wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ msMÖn I
e¨vsK wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b MÖnY Kiv n‡q‡Q wK bv:
nüv bv
(Awbevmx evsjv‡`kxi ‡ÿ‡Î cvm‡cv‡U©i Kwc Ges we‡`kx †ÿ‡Î wfmvmn cvm‡cv‡U©i Kwc Avewk¨Kfv‡e
MÖnY Ki‡Z n‡e|)
12. MÖvnK Politically Exposed Person (PEP)/cÖfvekvjx e¨w³ (IP)/ AvšÍR©vwZK ms¯’vi cÖavb ev
D”P ch©v‡qi Kg©KZ©v Ges Zv‡ì cwiev‡ii m`m¨ ev close assosiates wK bv:
n¨vu bv
DËi nu¨v n‡j:
K. EaŸ©Zb KZ…©cÿ n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv: nüv bv
L. MÖvn‡Ki gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q wK bv: nüv bv
22
13. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡ì wewfbœ
†iRy‡jk‡bi AvIZvq mš¿vmx Kvh©, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡ii A_©vq‡b
RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv ev evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kv‡bv e¨w³ ev
wbwl× †NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvBevQvBc~e©K †Kvbiƒc wgj cvIqv wM‡q‡Q wK bv:
nüv bv
K) DËi nu¨v n‡j G welqK M„nxZ eë¯’vi weeiY :
14. wi¯‥ †MÖwWs(mshyw³-2 Abyhvqx):
wi¯‹ ‡¯‹v‡ii †hvMdj mvgwMÖK wi¯‹ †iwUs

>=15 D”P
<15 wb¤œ
gšÍe¨ :
(* wi¯‥ †iwUs 15 Gi Kg n‡jI Beneficial Owner -mn Ab¨vb¨ SuywK we‡ePbvq wb‡q KviY D‡jøLc~e©K Subjective we‡ePbvq
MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i)
cÖ¯‘ZKvix : ch©v‡jvPbv I wbwðZKvix Kg©KZ©v :

(kvLv eë¯’vcK/ kvLv gvwbjÛvwis
(wnmve †Lvjvi Kg©KZ©v/wi‡jkbwkc g¨v‡bRvi) cÖwZ‡iva cwicvjb Kg©KZ©v)
¯^vÿi (wmjmn) :
bvg : ¯^vÿi (wmjmn) :
ZvwiL : bvg :
ZvwiL :
.................................................................
(PEP/IP/AvšÍR©vwZK ms¯’vi EaŸ©Zb Kg©KZ©v Gi †ÿ‡Î Aby‡gv`bKvix EaŸ©Zb Kg©KZ©v)
bvghy³ wmjmn ¯^vÿi I ZvwiL
15. wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiL:
ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©v :
¯^v¶i (wmjmn) :
bvg :
ZvwiL :
23
............e¨vsK/ e¨vsK wj.

.............kvLv
(cÖwZôv‡bi wnmv‡ei †ÿ‡Î eënvh©)
wnmve b¤î: .............................
BDwbK AvBwW †KvW: ..................
1. wnmv‡ei bvg :
2. wnmv‡ei cÖK…wZ :
3. cÖwZôv‡bi cÖK…wZ (we¯ÍvwiZ) :
4. cÖwZôv‡bi wbU m¤ú` (Net Worth) :
5. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) : ............
6. A‡_©i Drm wbwðZ Kivi †¶‡Î †hme `wjjvw` msMÖn Kiv n‡q‡Q :
1| .................
2| ..................
3| ..................
msM„nxZ `wjjvw` hvPvB Kiv n‡q‡Q wK bv : nüv bv
7. cÖwZôv‡bi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ): .............................................
...............................................................................................................................
8. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) wba©viY Kiv n‡q‡Q wK bv:
nüv bv
DËi nüv n‡j cÖ‡Z¨K cÖK…Z myweav‡fvMx m¤úwK©Z Z_¨vw` mshyw³-1 †gvZv‡eK ‡KIqvBwm m¤úv`b
Ki‡Z n‡e :
(‡Kv¤úvwbi †ÿ‡Î 20% ev Gi AwaK GKK †kqvi‡nvìvi Gi mshyw³-1 †gvZv‡eK msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e|
GQvovI †Kv¤úvwbi wbqš¿YKvix †kqvi‡nvìvi Gi †KIqvBwm m¤úv`b Ki‡Z n‡e|)

9. B‡jKUªwbK-U¨v· AvBwW (E-TIN) b¤î : .......... (cÖ‡hvR¨ †¶‡Î)
10. f¨vU †iwR. b¤î : ...................................... (cÖ‡hvR¨ †¶‡Î)
11. cÖwZôv‡bi wbeÜb b¤î : .............................. (cÖ‡hvR¨ †¶‡Î)
12. Ab¨vb¨ bw_ : ---------------------------------- (cÖ‡hvR¨ †¶‡Î)
13. we‡`kx †Kv¤úvwb/cÖwZôv‡bi wnmve †Lvjvi D‡Ïk¨: (cÖ‡hvR¨ †ÿ‡Î)
...............................................................................................................................
(K) mswkøó wbqš¿YKvix KZ…©c‡ÿi bvg : ............................................................................

(L) Aby‡gv`b msµvšÍ Z_¨ : ..........................................................................................
24
14. MÖvnK cÖwZôv‡bi mv‡_ †Kv‡bv Politically Exposed Person (PEP)/cÖfvekvjx e¨w³ (IP)/
AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v Ges Zv‡ì cwiev‡ii m`m¨ ev close assosiates
mswkøó wK bv (cÖ‡hvR¨ †ÿ‡Î):
nüv bv
DËi nüv n‡j-
K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv: nüv bv
†iR‡jyk‡bi AvIZvq mš¿vmx Kvh©, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡ii A_©vq‡b
RwoZ m‡›`‡n ZvwjKvfy³ †Kv‡bv e¨w³ ev mËv ev evsjv‡`k miKvi KZ©„K ZvwjKvfy³ †Kv‡bv e¨w³ ev
wbwl× †NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvBevQvBc~e©K †Kvbiƒc wgj cvIqv wM‡q‡Q wK bv:
nüv bv
K) DËi nu¨v n‡j G welqK M„nxZ eë¯’vi weeiY :
16. wi¯‥ †iwUs (mshyw³-2 Abyhvqx) :

>=15 D”P
<15 wb¤œ
gšÍe¨:
(*wi¯‥ †iwUs 15 Gi Kg n‡jI Beneficial Owner -Gi D”P SuywK we‡ePbvq wb‡q KviY D‡jøLc~e©K Subjective we‡ePbvq

(wnmve †Lvjvi Kg©KZ©v/wi‡jkbwkc g¨v‡bRvi) (kvLv eë¯’vcK/kvLv gvwbjÛvwis
cÖwZ‡iva cwicvjb Kg©KZ©v)
¯^vÿi (wmjmn) :
¯^vÿi (wmjmn) :
bvg :
bvg :
ZvwiL :
ZvwiL :
.................................................................
17. wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update) Kivi ZvwiL:
¯^v¶i (wmjmn) :
bvg :
ZvwiL :
25
............e¨vsK/ e¨vsK wj.
.............kvLv
(we‡kl w¯‹g/¯’vqx AvgvbZ wnmv‡ei †¶‡Î eënvh©)
1. wnmv‡ei bvg : wnmve b¤î: .............................
2. wnmv‡ei cÖK…wZ : BDwbK AvBwW †KvW: ..................
3. MÖvn‡Ki †ckv (we¯ÍvwiZ) :

4. MÖvn‡Ki gvwmK m¤¢ve¨ Avq :
1| .................
2| ..................
3| ..................
msM„nxZ `wjjvw` hvPvB Kiv n‡q‡Q wK bv: nu¨v bv
7. wnmveavixi wVKvbv wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ): ....................................................
8. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) wba©viY Kiv n‡q‡Q wK bv:
nu¨v bv
DËi nüv n‡j cÖ‡Z¨K cÖK…Z myweav‡fvMx m¤úwK©Z Z_¨vw` mshyw³-1 †gvZv‡eK ‡KIqvBwm m¤úv`b
Ki‡Z n‡e
(‡Kv¤úvwbi †ÿ‡Î 20% ev Gi AwaK GKK †kqvi‡nvìvi Gi mshyw³-1 †gvZv‡eK msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e|
GQvovI †Kv¤úvwbi wbqš¿YKvix †kqvi‡nvìvi Gi †KIqvBwm m¤úv`b Ki‡Z n‡e|)
9. cwiwPwZcÎ :
K) cvm‡cvU© b¤î : ........................................ (cÖ‡hvR¨ †¶‡Î)
L) RvZxq cwiPq cÎ b¤î : ............................. (cÖ‡hvR¨ †¶‡Î)
M) Rb¥ wbeÜb mb`cÎ b¤î : ............................ (cÖ‡hvR¨ †¶‡Î)
N) B‡jKUªwbK-U¨v· AvBwW (E-TIN) b¤î : ....... (cÖ‡hvR¨ †¶‡Î)
O) f¨vU †iwR. b¤î : ...................................... (cÖ‡hvR¨ †¶‡Î)
P) cÖwZôv‡bi wbeÜb b¤î : ................................ (cÖ‡hvR¨ †¶‡Î)
Q) Ab¨vb¨ : ...............................................................................................
10. Awbevmx (Non-resident) Ges we‡`kx‡ì †ÿ‡Î wnmve †Lvjvi D‡Ïk¨:
...................................................................................................................
(K) wfmvi cÖK…wZ.......................................... †gqv` DËx‡Y©i ZvwiL:.............................
(L) Kg©vbygwZ (Work Permit) cÖvß‡ì wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ I e¨vsK
wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b i‡q‡Q wK bv: nüv / bv (cÖ‡hvR¨ †ÿ‡Î)
..................................................................................................................................
(Awbevwm evsjv‡`kx‡ì †¶‡Î Avewk¨Kfv‡e cvm‡cv‡U©i Kwc Ges we‡`kx‡ì †¶‡Î Avewk¨Kfv‡e wfmvmn cvm‡cv‡U©i Kwc msMÖn Ki‡Z n‡e)
26
11. MÖvnK Politically Exposed Person (PEP)/cÖfvekvjx e¨w³ (IP)/ AvšÍR©vwZK ms¯’vi cÖavb ev D”P
ch©v‡qi Kg©KZ©v Ges Zv‡ì cwiev‡ii m`m¨ ev close assosiates wK bv:
n¨vu bv
DËi nu¨v n‡j :
K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv: nüv bv
†iRy‡jk‡bi AvIZvq mš¿vmx Kvh©, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡ii 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×
†NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvBevQvBc~e©K †Kvbiƒc wgj cvIqv wM‡q‡Q wK bv:
nüv bv
K) DËi nu¨v n‡j G welqK M„nxZ eë¯’vi weeiY:
13. wi¯‥ †MÖwWs(mshyw³-2 Abyhvqx):

>=15 D”P
<15 wb¤œ
gšÍe¨ :
(* wi¯‥ †iwUs 15 Gi Kg n‡jI Beneficial Owner -mn Ab¨vb¨ SuywK we‡ePbvq wb‡q KviY D‡jøLc~e©K Subjective we‡ePbvq

(wnmve †Lvjvi Kg©KZ©v/wi‡jkbwkc g¨v‡bRvi) (kvLv eë¯’vcK/ kvLv gvwbjÛvwis
cÖwZ‡iva cwicvjb Kg©KZ©v)
¯^vÿi (wmjmn) :
bvg : ¯^vÿi (wmjmn) :
ZvwiL : bvg :
ZvwiL :
.................................................................
14. wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi
ZvwiL: ......................................................................................................................
ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©vi

bvg (wmjmn) ¯^v¶i I ZvwiL
27
............e¨vsK/ e¨vsK wj:
.............kvLv
(miKvwi/AvavmiKvwi/¯^vqËkvwmZ cÖwZôv‡bi wnmv‡ei †ÿ‡Î eënvh©)
1. wnmv‡ei bvg : wnmve b¤î: .............................
2. wnmv‡ei cÖK…wZ : BDwbK AvBwW †KvW: ..................
3. cÖwZôv‡bi cÖK„wZ (we¯ÍvwiZ) :
1| .................
2| ..................
3| ..................
msM„nxZ `wjjvw` hvPvB Kiv n‡q‡Q wK bv : nüv bv
6. cÖwZôv‡bi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ): ...........................
...............................................................................................................................
7. cÖwZôvb msµvšÍ bw_mg~n:
(K) B‡jKUªwbK-U¨v· AvBwW (E-TIN) b¤î : ....... (cÖ‡hvR¨ †¶‡Î)
(L) f¨vU †iwR. b¤î : .................................. (cÖ‡hvR¨ †¶‡Î)
(M) e¨vs‡K wnmve cwiPvjbv msµvšÍ wm×všÍ :........ (cÖ‡hvR¨ †¶‡Î)
(N) Ab¨vb¨ bw_ : ...................................... (cÖ‡hvR¨ †¶‡Î)
8. wi¯‥ †MÖwWs:
D”P SuywK/ wb¤œ SuywK
(* Subjective we‡ePbvq MÖvn‡Ki SuywK cwieZ©b n‡Z cv‡i)

(wnmve †Lvjvi Kg©KZ©v/wi‡jkbwkc (kvLv eë¯’vcK/kvLv gvwbjÛvwis
g¨v‡bRvi) cÖwZ‡iva cwicvjb Kg©KZ©v)
¯^vÿi (wmjmn) : ¯^vÿi (wmjmn) :
bvg : bvg :
ZvwiL : ZvwiL :
9. wnmve msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update) Kivi ZvwiL:
¯^v¶i (wmjmn) :
bvg :
ZvwiL :
28
mshyw³-1
wnmv‡ei cÖK…Z
myweav‡fvMxi
Qwe
( wnmv‡ei cÖK…Z myweav‡fvMxi Rb¨ c~iYxq|)
ZvwiLt............................... wnmve b¤ît ..................................

BDwbK AvBwW †KvWt ..........................
1| wnmv‡ei wk‡ivbvg (evsjvq) : .....................................................................................................
In English (Block Letter) .................................................................................................
2| cÖK…Z myweav‡fvMxi bvg (evsjvq) :............................................................................................
In English (Block Letter) : ...............................................................................................
3| Rb¥ ZvwiL :.....................................................................................................................
4| wcZvi bvg :....................................................................................................................
5| gvZvi bvg :.....................................................................................................................
6| ¯^vgx/¯¿xi bvg :.....................................................................................................................
7| RvZxqZv :.................................................................... 8| wj½: ...................................
9| †ckv (we¯ÍvwiZ) :...................................................................................................................
10| gvwmK Avq :.....................................................................................................................
11| A‡_©i Drm (we¯ÍvwiZ) : ..........................................................................................................
12| U¨v· AvBwW b¤î(TIN)(hw` _v‡K) : .........................................................................................
13| (K) eZ©gvb wVKvbv : †ivW/MÖvg :.......................†cv :................................ _vbv :..........................
‡Rjv :..........................‡dvb/‡gvevBj b¤î :................................B‡gBj :......................................
(L) ¯’vqx wVKvbv : †ivW/MÖvg :..............................†cv :................................_vbv :............................
‡Rjv :........................... ‡dvb/‡gvevBj b¤î :................................B‡gBj :.....................................
14| cwiwPwZ cÎt (K) RvZxq cwiPq cÎ b¤î :.................................................................................
A_ev,(L) cvm‡cvU© b¤î/ Rb¥ wbeÜb bg¦i/ Ab¨vb¨ (wbw`©ófv‡e D‡jøL Ki‡Z n‡e) : ...................
29
³
-
MÖvn‡Ki SzuwK wbiƒcY dig: mshyw³-2 2
cb¨/‡mev I P¨v‡bj SzuwK †¯‹vi
cY¨/‡mevi aiY m¤cK©MZ SzuwK †¯‹vi
mÂqx wnmve 1 weGdAvBBD Gi mvK©zjvi Abyhvqx, MÖvnK wK PEPs /
IPs/AvšÍR©vwZK ms¯’vi cÖavb A_ev D”Pc`¯’ Kg©KZ©v:
PjwZ wnmve 4
GdwWAvi 3 bv 0
wW‡cvwRU w¯‹g (12 jÿ ch©šÍ) 1 n¨vu 5
wW‡cvwRU w¯‹g (12 jÿ DaŸ©) 3
Gdwm wnmve 5 weGdAvBBD Gi mvK©zjvi Abyhvqx, MÖvnK wK PEPs /
Gm.Gb.wW 3 IPs/AvšÍR©vwZK ms¯’vi cÖavb A_ev D”P c`¯’ Kg©KZ©vi
Avi.Gd.wm.wW 5 cwiev‡ii m`m¨/ Close associates:
bv 0
Ab‡evwW©s Gi aiY n¨vu 5
kvLv eë¯’vcK /wi‡jkbkxc
Gi gva¨‡g 2
weµq cÖwZwbwai gva¨‡g 3
†jb‡`b msµvšÍ SzuwK †¯‹vi
B›Uvi‡bU/bb-‡dm-Uz-‡dm 5
IqvK-Bb 3 MÖvn‡Ki evrmwiK Mo †jb‡`b KZ: e¨w³ cÖwZôvb
Ab~aŸ© UvKv 10 jÿ 1 0
UvKv 10 jÿ n‡Z 50 jÿ ch©šÍ
2 1
†fŠMwjK SzuwK †¯‹vi UvKv 50 jÿ n‡Z 5 †KvwU ch©šÍ 3 2
Awbevmx SzuwK UvKv 5 †KvwU Gi †ewk 5 4
MÖvnKt
wbevmx evsjv‡`wk 1
Awbevmx evsjv‡`wk 2
we‡`wk bvMwiK 3 ¯^”QZv msµvšÍ SzuwK †¯‹vi
MÖvnK wK A‡_©i Dr‡mi wek¦vm‡hvM¨ Z_¨
we‡`wk bvMwiK‡ì Rb¨: mieivn K‡i‡Q:
Rb¥¯’vb/Avevm‡bi wfwË‡Z SzwKi †kªwYweb¨vm n¨vu 1
MÖvnK †h †`‡ki bvMwiK †m ‡`k wK GdGwUGd Gi
bv 5
Jurisdiction under increased monitoring Ges
High-risk jurisdictions subject to a call for action
Gi AšÍfz©³ ev, MÖvnK wK BDGb ev Ab¨ †Kv‡bv Sanctioned
List G ZvwjKvfz³ wK bv:
n¨vu 5
bv 1
eëmv I ‡ckv msµvšÍ SzuwK †¯‹vi

eëmv
mshy³ ZvwjKv-1 n‡Z mwbœ‡ek Kiæb .....
Kvh©Kjvc msµvšÍ
mshy³ ZvwjKv-1 n‡Z mwbœ‡ek Kiæb .....
30
ZvwjKv-1
eëmv I ‡ckv msµvšÍ SzuwK wbiƒc‡Y wb‡¤œv³ ZvwjKv AbymiY Kiæb:
MÖvn‡Ki eëmvi aiY †¯‹vi eëmv (weÁvcb) 3
Ry‡qjvwi/¯^Y©/gyjëvb avZzi eëmv 5 mvwf©m ‡cÖvfvBWvi 3

gvwb †PÄvi/Kzwiqvi mvwf©m/†gvevBj e¨vswKs G‡R›U 5 ZvgvK Ges wmMv‡i‡Ui eëmv 3
wi‡qj G‡÷U †W‡fjcvi/G‡R›U 5
GwgDR‡g›U cvK©/we‡bv`b eëmv 3
wbg©vY cÖKí †cÖv‡gvUvi/wVKv`vi 5 †gvUi cvU©m †UªWvi/IqvK©kc 3
wkí I cyivZ‡Ë¡i wWjvi 5
†i‡¯Íviv/evi/bvBU K¬ve/cvj©vi/AvevwmK ‡nv‡Uj eëmv 5 †cvwëª/‡WBwi/wdwks dvg© 2
Avg`vwb/ißvwb I Avg`vwb/ißvwb G‡R›U 5 G‡MÖv weR‡bm/ivBm wgj/†efv‡iR 2

Rbkw³ ißvwb eëmv 5 †QvU eëmv (wewb‡qvM UvKv 50 jÿ Gi Kg) 2
Av‡Mœqv‡¯¿i eëmv 5 Kw¤cDUvi/‡gvevBj †dvb wWjvi 2
Mv‡g©›Um eëmv/Mv‡g©›Um G‡·mwiR/c¨v‡KwRs/evwqs
nvDR 5 Drcv`K (A¯¿ e¨ZxZ) 2
†kqvi/÷K wWjvi, ‡eªvKvi, †cvU©‡dvwjI g¨v‡bRvi,
gv‡P©›U e¨vsKvi 5 Ab¨vb¨ (mywbw`©ófv‡e) 1-5
mdUIq¨vi/Z_¨ I cÖhyw³ eëmv 5
Ad‡kvi/bb-‡iwm‡W›U K‡cv©‡ikb 5
MÖvn‡Ki †ckv †¯‹vi
GbwRI/GbwcI 5
Pjw”PÎ cÖ‡hvRbv/cwi‡ekbv ms¯’v 5 cvBjU/d¬vBU G‡Ub‡W›U 5
‡gvevBj †dvb Acv‡iUi/B›Uvi‡bU A_ev K¨vej wUwf
Acv‡iUi 5 Uªvw÷ 5
Rwg/evwo †Kbv‡ePvi ga¨¯’ZvKvix 5 †ckvRxex (mvsevw`K, AvBbRxex, Wv³vi, BwÄwbqvi,
PvU©vW© GKvD‡›U›U BZ¨vw`) 4
BÝy‡iÝ/†eªvKv‡iR G‡RwÝ 5 cwiPvjK (cÖvB‡fU/cvewjK wjwg‡UW †Kv¤cvwb) 4
agx©q cÖwZôvb/ms¯’v I wkÿv cÖwZôvb 5
eûRvwZK cÖwZôv‡bi D”Pc`¯’ Kg©KZ©v (GgGbwm) 4
Uªv÷ 5
M„wnYx 4
eëmv (†c‡Uªvj cv¤ú/wmGbwR †÷kb) 5
Z_¨ cÖhyw³ (AvBwU) Lv‡Zi PvKzixRxex 4
mdUAq¨vi eëmv 5
wkc †eªwKs eëmv 5 µxovwe`/wgwWqv †mwj‡eªwU/cÖ‡hvRK/cwiPvjK 4
e¨vsK/wjwRs/dvBb¨vÝ †Kv¤úvwb 4 wd«j¨vÝ mdUIq¨vi †W‡fjcvi
eëmv (Bb‡Ww›Us) 4 4
eëmv (AvDU‡mvwm©s) 4 miKvwi PvKzixRxex 3
j dvg©/BwÄwbqvwis dvg©/Kbmvj‡UwÝ dvg© 4 Rwg`vi/evwoIqvjv 3
R¡vjvbx I we`ÿr Drcv`b †Kv¤úvbx 4 †emiKvwi PvKzixRxext eë¯’vcbv m¤cwK©Z 3
wcÖ›U I B‡jKUªwbK wgwWqv 4
wk¶K (miKvwi/‡emiKvwi/¯^vqËkvwmZ wk¶v cÖwZôvb) 2
Uªv‡fj G‡R›U/Uz¨wiRg †Kv¤úvbx 4
†emiKvwi PvKzixRxex 2
UvKv 10wgwjqb Gi †ewk wewb‡qvMKvix gv‡P©›U 4
¯^wbf©i †ckvRxex 2
‡PBb †÷vi/ kwcs gj 4
†d«BU/wkwcs/Kv‡M©v G‡R›U/wmuGÛGd G‡R›U 4 QvÎ 2
†gvUiKv‡ii eëmv (bZzb/wiKwÛkb) 4 AemicÖvß 1
Pvgov/PvgovRvZ c‡Yï eëmv 4 K…wlRxex/grm¨Rxex/kªgRxex 1
wbg©vY mvgMÖxi eëmv 4 Ab¨vb¨ (mywbw`©ófv‡e) 1-5
eëmvq G‡R›U 3
myZv/SzU eëmvqx 3
cwienY Acv‡iUi 3
eëmv (Jla cÖ¯‘Z I evRviRvZKiY) 3
wngvwqZKiY eëmv (†Kvì †÷v‡iR) 3
31
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

processes that they have in place to prevent, detect and report Yes / No
suspicious transactions?
12. Does your institution have a policy prohibiting accounts/relationships

with shell banks? (A shell bank is defined as a bank incorporated in a Yes / No
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
not conduct transactions with or on behalf of shell banks through any Yes / No
of its accounts or products?
15. Does your institution have policies covering relationships with
32
cwiwkó-L
Politically Exposed Persons (PEP‟s), their family and close Yes / No
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?
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?
33
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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: ___________________________________
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----- 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¯^ gvwbjÛvwis 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‡ì Ae¯’vb wbY©q Ki‡e :
cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZ 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¿vmx Kv‡h© 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) ‡R¨ô I AwfÁ  KYC Kvh©µ‡gi
h_v_©Zv cix¶Y Kiv
wK bv? weMZ `yB eQ‡i wZwb gvwbjÛvwis nq wK bv?
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva  h_vh_fv‡et-
welqK †Kvb cÖwkÿY †c‡q‡Qb wK bv? †jb‡`b cix¶Y Ges
m‡›`nRbK †jb‡`b
L) kvLvq gvwbjÛvwis cÖwZ‡iva Kvh©µg wi‡cvU© (B›Uvibvj
h_vwbq‡g cwicvwjZ n‡”Q G welqwU wi‡cvU©©mn) Kiv nq wK
bv?
wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw`©ó
 h_vh_fv‡e †iKW©
I MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki msiÿY Kiv nq wK
cÖwµqvq cix¶Y I ch©v‡jvPbv K‡i bv?
_v‡Kb wK bv?  CTR hvPvB Ges
STR kbv³Ki‡Y
eë¯’v †bqv nq wK bv?
 ‰e‡`wkK gy`ªvi
BbIqvW© I
AvDUIqvW© †jb‡`b
cix¶Y Kiv n‡”Q wK
bv?
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¯^ gvwbjÛvwis
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
bxwZgvjv m¤ú‡K© AewnZ Av‡Qb wK?
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4. kvLv ch©v‡q ‣ÎgvwmK wfwË‡Z gvwbjÛvwis  mfvi Av‡jvP¨m~wP
I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mK‡ji AeMwZi Rb¨
eÈb Kiv nq wK bv?
mfv AbywôZ nq wK bv?  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 gvwbjÛvwis 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 wK bv ? Drm hvPvB Kiv nq
wK bv?
 wnmv‡ei cÖK…Z
myweav‡fvMx
(Beneficial
Owner) kbv³ Kiv
nq wK bv Ges Zv
hvPvB Gi cÖwµqv
m‡šÍvlRbK wK bv?
 D”P SzuwKwewkó
MÖvnK‡ì †ÿ‡Î
SuywKi wbix‡L
AwZwi³
mZK©Zvg~jK eë¯’v
(EDD) MÖnY Kiv
nq wK bv?
6. K) SzuwKi wfwË‡Z kvLv Zv‡ì MÖvnK‡ì  G ch©šÍ KZwU D”P
†kªYxweb¨vm/†kªYxKiY K‡i wK bv? SzuwK m¤úbœ wnmve
kvLvq †Lvjv n‡q‡Q?
L) D”P SzuwKm¤úbœ wnmv‡ei †jb‡`b  G ai‡bi wnmve †Lvjv
cix¶Y Kiv nq wK bv? I cwiPvjbvi †ÿ‡Î
kvLv Kx c`‡ÿc MÖnY
K‡i‡Q?
 Kx c×wZ‡Z D”P
SzuwKm¤úbœ wnmv‡ei
†jb‡`b cix¶Y 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 wK bv?
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb  D³ bxwZgvjv kvLvq
msµvšÍ SzuwK cÖwZ‡iv‡a h_vh_ eë¯’v wKfv‡e ev¯ÍevwqZ
MÖnY Kiv n‡q‡Q wK bv? n‡”Q?
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 wK bv?
36
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9. kvLv Walk-in-Customer-‡ì †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¨ †Kv‡bv 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
cix¶Y K‡i _v‡K? wbav©wiZ mxgvi
Dc‡ii †jb‡`‡bi
(Threshhold)
wfwË‡Z A_ev Ab¨
†Kv‡bv c×wZ‡Z;
 †jb‡`‡bi AbywgZ
gvÎv (TP) MÖvn‡Ki
†ckv I Av‡qi mv‡_
msMwZc~Y© wK bv Zv
hvPvB Kiv nq wK bv?
 †NvwlZ AbywgZ gvÎvi
mv‡_ cieZx©‡Z MÖvnK
KZ©„K m¤úvw`Z cÖK…Z
†jb‡`b hvPvB Kiv nq
wK bv ?
 kvLv KZ©„K GKwU
wba©vwiZ
Thershhold Gi
wfwË‡Z cÖwZw`‡bi
†jb‡`b cix¶Y Kiv
nq wK bv?
 kvLvq GKwU wbw`©ó
mgq ci ci bgybv
wfwË‡Z MÖvn‡Ki
KYC Profile G
cÖ`Ë Z‡_ï mv‡_
†jb‡`‡bi mvgÄm¨Zv
hvPvB Kiv nq wK bv?
12. mš¿vm we‡ivax AvBb, 2009 Gi Aaxb  RvwZms‡Ni wbivcËv
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai j‡ÿ¨ cwil‡ì wewfbœ
†iRy‡jk‡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
†Kv‡bv e¨w³ ev
wbwl× †NvwlZ mËvi
bv‡gi ZvwjKv kvLvq
msiÿY I Z`bymv‡i
wnmve I †jb‡`b
Kvh©µg hvPvB Kiv
nq wK bv?
37
cwiwkó-M
 kvLv G welqK wbR¯^

†Kvb c×wZ AbymiY
K‡i wK bv?
 kvLv KZ…©K †Kv‡bv
False Positive
ZvwjKv msiÿY Kiv
nq wK bv?
 Giƒc †Kv‡bv e¨w³ ev
mËvi bv‡g kvLvq
cwiPvwjZ wnmv‡ei (hw`
_v‡K) wel‡q
weGdAvBBD †K AewnZ
Kiv nq wK bv?
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
†Kv‡bv c×wZ AbymiY
Kiv nq wK bv?
 kvLvq m‡›`nRbK
†jb‡`b wi‡cvwU©s Gi
Rb¨ Af¨šÍixb wi‡cvwU©s
eë¯’v Pvjy i‡q‡Q wK bv?
 kvLv ch©v‡q wb®úwËK…Z
Af¨šÍixb wi‡cvU©
msiÿY Kiv nq wK
bv?
 G hver KZ¸‡jv STR
mbv³ Kiv n‡q‡Q?
KZ¸‡jv AML/CFT
Division/Dept. G
†cÖiY Kiv n‡q‡Q?
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¨ †Kv‡bv
(Structuring) kbv³ Kivi †Kvb c×wZ kvLv
wi‡cvU© ‰Zix Kiv n‡”Q
KZ©„K cÖewZ©Z n‡q‡Q wK bv? wK bv ev †Kvb c×wZ
i‡q‡Q wK bv? (we¯ÍvwiZ
wjLyb)
15. kvLv KZ©„K wbqwgZ I mwVKfv‡e CTR  †cÖwiZ Z‡_ï
†K›`ªxq cwicvjb BDwb‡U †cÖiY Kiv mwVKZv wKfv‡e
hvPvB Kiv n‡”Q?
n‡”Q wK bv?  †K›`ªxqfv‡e CTR
wi‡cvU© Kivi †ÿ‡Î
kvLv wbR¯^ CTR
wi‡cvU© msMÖnc~e©K
cix¶Y Kvh©µg
Ae¨vnZ iv‡L wK bv
?
16. gvwbjÛvwis cÖwZ‡iva AvBb, mš¿vm Kx Kx msi¶Y Kiv
we‡ivax AvBb, G msµvšÍ wewagvjv, n‡”Q (we¯ÍvwiZ) wjLyb|
mvK©yjvi, cÖwkÿY †iKW©, weeiYx I
Ab¨vb¨ GGgGj/wmGdwU msµvšÍ
welqvejxi Avjv`v bw_ kvLv KZ©„K
38
cwiwkó-M
msiÿY Kiv nq wK bv? AvBb, mvKzj © vi
BZ¨vwì Kwc kvLvi mKj
Kg©KZ©v/Kg©Pvix‡ì mieivn Kiv nq wK
bv?
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 †Kv‡bv wnmve msiÿY Kiv n‡”Q?
n‡”Q wK bv?
18. kvLvq Aq¨vi UªvÝdvi msµvšÍ †jb‡`‡bi
†ÿ‡Î weGdAvBBD Gi wb‡`©kbv
h_vh_fv‡e AbymiY Kiv n‡”Q wK bv?
19. cÖavb Kvh©vjq, evsjv‡`k e¨vsK I 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
gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iva cwicvjb welqK
`~e©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q
wK bv?
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 cix¶Y Kiv nq wK bv? cÖ‡hvR¨ †ÿ‡Î,
weGdAvBBD KZ©„K
mg‡q mg‡q mieivnK…Z
mš¿vmx msMVb/ e¨w³i
ZvwjKv hvPvB Kiv n‡”Q
wK bv?
21. kvLvq •e‡`wkK evwYR¨ mswkøó †jb‡`b
(Gjwm, M¨vivw›U BZ¨vw`) h_hv_fv‡e
cix¶Y Kiv n‡”Q wK bv?
22. kvLvq FY wnmve I G mswkøó Ab¨vb¨

†jb‡`b h_hv_fv‡e cix¶Y Kiv n‡”Q wK
bv?
kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb kvLv eë¯’vc‡Ki

Kg©KZv©i bvghy³ mxjmn ¯^vÿi I ZvwiL bvghy³ mxjmn ¯^vÿi I ZvwiL
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cwiwkó-N
Af¨šÍixY wbixÿv wefvM
-------- e¨vsK wjt
cÖavb Kvh©vjq
Independent Testing Procedures

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¯^ gvwbjÛvwis 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~e©K kvLvi gvwbjÛvwis 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 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) gvwbjÛvwis I mš¿vmx Kv‡h© 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 †Kv‡bv wel‡q m¤ú~Y©iƒ‡c cwicvwjZ n‡j m¤c~Y© †¯‥vi, AvswkK cwicvj‡b AvswkK †¯‥vi Ges †bwZevPK cwicvj‡bi
†¶‡Î k~b¨ †¯‥vi cÖ`vb Ki‡Z n‡e|)
e¨vs‡Ki bvg t wfwË ZvwiLt

kvLvi bvg t
µ. cwi`k©b welq hvPvB‡qi Dcvq gšÍe¨ †gvU cÖvß
bs. †ÿÎ b¤î b¤î
1 2 3 4 5 6 7
1 kvLv cwicvjb 1 K) kvLvq GKRb cwicvjb Kg©KZ©v me©‡kl Awdm AWv©i †`Lyb Ges Awdm Av‡`‡k BAMLCO Gi 1
Kg©KZ©v (BAMLCO) Av‡Qb wK bv? Job Responsibities AšÍfz©³ i‡q‡Q wK bv hvPvB Kiæb|
g~j¨vqb
L) BAMLCO AwfÁ I †R¨ô wK bv? weGdAvBBD mvKz©jv‡ii wb‡`©kbvi Av‡jv‡K hvPvB Kiæb|
2
2 BAMLCO Gi Dci Awc©Z `vwqZ¡ BAMLCO Gi mvwe©K Kvh©µg cixÿv Kiæb|
h_vh_fv‡e cwicvjb K‡i wK bv? 3
2 MÖvnK cwiwPwZ 1 K) wnmve †Lvjvi dig c~iY Kivi Rb¨ kvLvq wnmve †Lvjvi ‡ÿ‡Î cÖ‡qvRbxq Kvh©µg h_vh_fv‡e m¤úbœ
(KYC) cÖ‡qvRbxq mKj Z_¨ MÖnY Kiv n‡q‡Q wK Kiv n‡q‡Q wK bv Zv wbwðZ nIqvi Rb¨ mKj ai‡Yi wnmv‡ei
2
bv? Kgc‡ÿ 3 wU K‡i dig hvPvB Kiæb| msM„nxZ Z_¨ wKfv‡e hvPvB
Kiv n‡q‡Q, Zv cixÿv Kiæb|
2 K) MÖvn‡Ki e¨w³ msµvšÍ Z_¨ h_vh_fv‡e Kx c×wZ‡Z hvPvB Kiv n‡q‡Q Ges hvPvB Gi mc‡ÿ msiwÿZ
hvPvB Kiv n‡q‡Q wK bv? `wjjvw` ch©v‡jvPbv Kiæb| bgybv wfwË‡Z AšÍZ 10wU wnmv‡ei 2
KYC dig I mswkøó `wjjvw` hvPvB Kiæb|
L) MÖvn‡Ki Znwe‡ji Drm hvPvB Kiv Risk Based Approach Gi wfwË‡Z AšÍZ 10wU wnmv‡ei 4
n‡q‡Q wK bv? Znwe‡ji Dr‡mi mwVKZv hvPvB Kiæb|
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M) wnmv‡ei cÖK…Z myweav‡fvMx weGdAvBBD mvKz©jvi I MvBWjvBbm Gi wfwË‡Z 10wU wnmv‡ei
(Beneficial Owner) mbv³ Kiv nq wK KYC di‡gi mv‡_ mshy³ KvMRcÎvw`/Z_¨vw` hvPvB K‡i †`L‡Z
4
bv Ges Dnv hvPvB cÖwµqv wK? n‡e|
K) kvLv KZ…©K MÖvnK wbe©vPb/wnmve wi¯‥ †iwR÷vi †gvZv‡eK kvLv wK eë¯’v wb‡q‡Q Zv cixÿv Kiæb|
†Lvjv/†mev cÖ`v‡bi Rb¨ e¨vs‡Ki cÖavb
Kvh©vjq KZ…©K cÖYqbK…Z wi¯‥ g¨v‡bR‡g›U 2
MvBWjvB‡Ý DwjøwLZ wb‡`©kvejx kvLvq
cwicvjb Kiv nq wK bv?
L) kvLvq SuywKwfwËK MÖvnK wnmve †Lvjvi di‡g cÖ`Ë wi¯‥ †MÖwWs As‡k D‡jøwLZ wb‡`©kbvi
3 wefvRb/†kªYxweb¨vm/ †kªYxKiY Kiv nq wK mv‡_ kvLvq SuywKwfwËK MÖvnK wefvRb/†kªYxweb¨vm/†kªYxKiY c×wZ 1
bv Ges Zv h_vh_ wK bv? msMwZc~Y© wK bv Zv cixÿv Kiæb|
M) D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î SuywKi kvLvq msiwÿZ D”P SzuwKwewkó MÖvnK‡ì ZvwjKv msMÖnc~e©K
wbix‡L AwZwi³ Z_¨ I GZ`msµvšÍ mswkøó wnmvemg~n ch©v‡jvPbvKiZ Kx ai‡Yi Z_¨ msMÖn Kiv nq
Ges Zv h‡_ó wK bv cixÿv Kiæb|
1
`wjjvw` msiÿY I hvPvB (EDD) Kiv nq
wK bv?
4 K) wbw`©ó mgq ci ci/cÖ‡qvRb Abymv‡i weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK KvMRcÎvw`/Z_¨vw`
KYC nvjbvMv` Kiv nq wK bv ? 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‡ì hvPvB Kiæb|
(wWwW, wUwU, ‡c AW©vi, AbjvBb Rgv, 2
AbjvBb D‡Ëvjb BZ¨vw`) †ÿ‡Î KYC
cÖwµqv AbymiY Kiv nq wK bv?
Wire transfer Gi †ÿ‡Î kvLv KZ©„K weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK cwicvwjZ n‡q‡Q wK
KYC cÖwµqv AbymiY Kiv nq wK bv? bv Zv mswkøó KvMRcÎvw`/Z_¨vw` hvPvB Kiæb|
5 1
MÖvnK cwiwPwZ Politically Exposed Persons weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK bgybvi wfwË‡Z hvPvB
(KYC) (PEPs), cÖfvekvjx e¨w³ I AvšÍRvwZ©K Kiæb|
6 ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi ‡Kvb 3
wnmve kvLvq msiÿY Kiv n‡”Q wK bv?
K) Credit Card myweav cÖ`v‡b Credit Card Bmÿi †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© wK bv hvPvB Kiæb| kvLv KZ…©K
†KIqvBwm nvjbvMv` Kiv nq wK bv hvPvB Kiæb|
7
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 eë¯’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|
Non face to face customer m¤úwK©Z wnmve †Lvjvi ‡ÿ‡Î MÖvnK cwiwPwZ mwVKfv‡e MÖnY Kiv nq wK bv
8 weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq hvPvB Kiæb Ges MÖvn‡Ki SuywK we‡ePbvq Kx/‡Kvb ai‡Yi 1
wK bv| AwZwi³ Z_¨vw` †bqv n‡q‡Q Zv hvPvB Kiæb|
3 †jb‡`b cix¶Y 1 kvLvq †jb‡`b cix¶Y (Transaction cix¶Y Gi c×wZ D‡jøL Kiæb (cÖ‡hvR¨ †ÿ‡Î cÖgvY msMÖn
(Transaction Monitoring) Gi †Kvb Kvh©Kix c×wZ Kiæb)|
4
Monitoring) Pvjy Av‡Q wK bv?  g¨vbyq¨vj c×wZ‡Z †jb‡`b cixÿv Kiv n‡j Zv wKfv‡e
Kiv nq Zv we¯ÍvwiZ hvPvB Kiæb|
41
cwiwkó-N
 A‡Uv‡g‡UW n‡j wm‡÷g †Rbv‡i‡UW wi‡cvU©
msMÖnc~e©K ch©v‡jvPbv Kiæb|
 weMZ mg‡qi †jb‡`b cix¶Y Gi bw_ msMÖnc~e©K
hvPvB Kiæb|
2 K) MÖvn‡Ki †ckv I Av‡qi mv‡_ cÖ‡hvR¨ †ÿ‡Î AšÍZ 10wU wnmv‡ei bgybv †Km cixÿv K‡i †`Lyb|
msMwZc~Y©fv‡e †jb‡`‡bi AbywgZ gvÎv 2
(TP) MÖnY Kiv nq wK bv?
L) †jb‡`‡bi AbywgZ gvÎvq (TP) mvK©zjv‡ii wb‡`©kbv hvPvB Kiæb|
cÖ‡qvRbxq mKj Z_¨ mwbœ‡ek Kiv n‡q‡Q 1
wK bv ?
M) AbywgZ gvÎvi mv‡_ cÖK…Z †jb‡`b b~¨bZg 10wU wnmv‡ei †jb‡`‡bi cix¶Y c×wZi bgybv cixÿv
hvPvB Kiv nq wK bv ? Kiæb Ges cÖ‡qvR‡b e¨vs‡Ki A‡Uv‡g‡UW c×wZ‡Z DwjøwLZ TP 2
Gi mv‡_ †jb‡`‡bi wgj Av‡Q wK bv hvPvB Kiæb|
N) wnmve †Lvjvi 6 gv‡mi g‡a¨ MÖvn‡Ki weGdAvBBD mvKz©jvi †gvZv‡eK b~¨bZg 10wU wnmv‡ei TP hvPvB
†jb‡`b ch©v‡jvPbv c~e©K TP wba©viY Kiv Kiæb| 1
n‡q‡Q wK bv?
O) wbw`©ó †Kvb cÖ‡qvRb Abyf‚Z n‡j A_ev b~¨bZg 10wU wnmv‡ei TP hvPvB Kiæb|
kvLv KZ…©K wbqwgZ cix¶Y Kvh©µ‡gi
1
AvIZvq mg‡q mg‡q TP nvjbvMv` Kiv
n‡q‡Q wK bv?
3 kvLvq cwiPvwjZ D”P SuywKc~Y© wnmvemg~‡ni D”P SzuywKm¤úbœ wnmvemgy‡ni ZvwjKv msMÖn Kiæb Ges
ZvwjKv msiÿY Kiv nq wK bv Ges D³ weGdAAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK GZ`msµvšÍ bw_
3
wnmv‡ei †jb‡`b cix¶Y ch©vß wK bv ? msMÖnc~e©K D³ wnmvemg~‡ni †jb‡`b cix¶Y ch©vß wK bv hvPvB
Kiæb|
4 K) mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a kvLvq  wnmve †Lvjv, ‡jb‡`b cix¶Y Ges Af¨šÍixY I
UN Security Council resolution •e‡`wkK evwY‡Rï †ÿ‡Î Dfq ZvwjKv hvPvB Kiv nq
Gi AvIZvq sanction list I mš¿vm wK bv|
we‡ivax AvBb 2013 Gi ms‡hvRbx‡Z  G wel‡q kvLv ¯^qswµq (Automated) †Kvb c×wZ 2
D‡jøwLZ ¯’vbxq mš¿vmx ZvwjKv msiÿY Kiv AbymiY K‡i wK bv hvPvB Kiæb| AšÍZ 10wU bgybv
nq wK bv Ges †m ‡gvZv‡eK wnmve †Lvjv I †Km cixÿv K‡i †`Lyb|
†jb‡`b Kvh©µg hvPvB Kiv nq wK bv?
L) False Positive Gi ZvwjKv kvLvq  UN sanction list I ¯’vbxq mš¿vmx ZvwjKv hvPvB G
msiÿY Kiv nq wK bv? kvLv KZ…©K †Kvb False Positive n‡q‡Q wK bv Zv 1
cixÿv K‡i †`Lyb|
512 •e‡`wkK I Af¨šÍixY evwY‡Rï A_©vq‡bi bgybvwfwË‡Z 4/5 Rb MÖvn‡Ki Gjwm WKy‡g›Umn mswkøó MÖvn‡Ki
. †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb Ab¨vb¨ mKj wnmv‡ei bw_ msMÖnc~e©K wb‡¤œi welqvw` hvPvB Kiæbt
cÖwZ‡iv‡a kvLv KZ©„K wK eë¯’v MÖnY Kiv  Letter of Credit -G ewY©Z c‡Yï g~j¨ AvšÍRv©wZK
n‡q‡Q?** gvb`‡Ûi mv‡_ hvPvB Kiv n‡q‡Q wK bv cix¶v Kiæb|
 Supplier/Beneficiary Gi Credit report msMÖn
K‡i kvLv KZ…©K ch©v‡jvPbv Kiv n‡q‡Q wK bv hvPvB
Kiæb|
5
 Beneficiary/Applicant Gi country FATF
KZ©„K wPwýZ Jurisdiction under Increased
Monitoring and High-risk Jurisdictions
subject to a Call for Action Gi AšÍf³ z© n‡j
EDD Kiv nq wK bv hvPvB Kiæb|
 Bill of Entry Gi original copy msiÿY Kiv
nq wK bv hvPvB Kiæb|
12
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¤î‡K kZKiv iƒcvšÍi K‡i mvwe©K
†iwUs wbY©q Ki‡Z n‡e|
42
cwiwkó-N
 Shipping document Letter of
Credit/Proforma invoice Gi mv‡_ msMwZc~Y© wK
bv hvPvB Kiæb|
6 kvLv •e‡`wkK †iwg‡UÝmn Ab¨vb¨  BbIqvW© I AvDUIqvW© †iwg‡UÝ msµvšÍ †jb‡`b
BbIqvW© I AvDUIqvW© †iwg‡UÝ cix¶Y MÖvn‡Ki †KIqvBwm msµvšÍ Z_¨vw` bgybvwfwË‡Z hvPvB 1
K‡i wK bv? Kiæb|
4 bM` †jb‡`b 1 K) gvwmK wfwË‡Z Ges wbf©yjfv‡e CTR ‡iKW©/bw_/†iwR÷vi hvPvB Kiæb| †hmKj e¨vs‡Ki cÖavb Kvh©vjq
wi‡cvU© Kiv nq wK bv ? KZ…©K †K›`ªxqfv‡e wmwUAvi Kiv nq †m †ÿ‡Î kvLvq gvwmK 3
(CTR) Ges wfwË‡Z wmwUAvi msiÿY Kiv nq wK bv hvPvB Kiæb|
m‡›`nRbK L) cÖwZ gv‡m †cÖwiZ wmwUAvi Gi Kwc wi‡cvwU©s ZvwjKv/dvBj cixÿv K‡i †`Lyb| weGdAvBBD mvKz©jvi
†jb‡`b kvLvq msiÿY Kiv nq wK bv Ges Dnv †gvZv‡eK ch©v‡jvPbv Kiv nq wK bv Zv GZ`msµvšÍ bw_
4
wi‡cvwUs wbqwgZ ch©v‡jvPbv Kiv nq wK bv? hvPvBc~e©K cixÿv Kiæb| †K›`ªxqfv‡e wmwUAvi Kiv n‡jI kvLv
(STR) KZ…©K wmwUAvi ch©v‡jvPbv Kiv nq wK bv 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¨ wnmvemg~n
cybt †jb‡`b (Structuring) Kivi †ÿ‡Î wPwýZKiZt Zv ch©v‡jvPbv Kiæb| GZ`&wel‡q kvLv KZ…©K †Kvb
5
Zv kbv³ Kivi †Kvb c×wZ kvLvq cÖewZ©Z wi‡cvU© †Rbv‡iU Kiv nq wK bv hvPvB Kiæb|
n‡q‡Q wK bv?
2 K) kvLvq m‡›`nRbK †jb‡`b m‡›`nRbK †jb‡`b (STR) Gi wewfbœ wb‡`©kKmg~‡ni wfwË‡Z
(STR)/SAR wPwýZKi‡Yi †Kv‡bv c×wZ m‡›`nRbK †jb‡`b (STR) wPwýZKi‡Yi †Kvb c×wZ Pvjy Av‡Q 5
Pvjy Av‡Q wK bv ? wK bv hvPvB Kiæb |
L) mswkøó mKj Kg©KZ©v STR/SAR kvLvi Kg©KZ©v‡ì m‡›`nRbK †jb‡`b wPwýZKiY I wi‡cvU©KiY
m¤ú‡K© AewnZ Av‡Qb wK bv ? m¤ú‡K© ch©vß aviYv Av‡Q wK bv cixÿv Kiæb| 3
5 gvwbjÛvwis 1 kvLv KZ©„K cÖ‡qvRbxq msL¨K weeiYx  gvwmK wfwË‡Z wmwUAvi (cÖ‡hvR¨†ÿ‡Î GmwUAvi
cÖwZ‡iva gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei weeiYx) Ges lvb¥vwmK wfwË‡Z †mî A¨v‡mm‡g›U
wefvM/wWwfkb `vwLj Kiv nq wK bv ? kvLv wK h_vmg‡q weeiYx gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eive‡i
eivei weeiYx weeiYx `vwLj K‡i ? 2
‡cÖwiZ nq wK bv cixÿv Kiæb|
`vwLj  wej‡¤^ `vwLj A_ev weeiYx `vwLj Kiv bv n‡q _vK‡j
Zv Am‡šÍvlRbK e‡j we‡ewPZ n‡e|
2 weeiYx‡Z cÖ`Ë Z_¨ mwVK I c~Y©v½ wK bv ? GZ`&msµvšÍ bw_ cixÿv Kiæb| Z_¨vw` mwVK I cwic~Y© bv n‡j
1
Zv Am‡šÍvlRbK e‡j we‡ewPZ n‡e|
6 ¯^wba©viYx 1 ¯^wba©viYx c×wZ‡Z (†mî A¨v‡mm‡g›U) weGdAvBBD mvKz©jv‡ii mv‡_ mshy³ †PKwjó eënvic~e©K g~j¨vqb 1
c×wZ kvLvi g~j¨vqb eë¯’v Pvjy Av‡Q wK bv ? cÖwZ‡e`b Kiv n‡q‡Q wK bv hvPvB K‡i †`Lyb|
2 Av‡jvP¨ g~j¨vqb cÖwZ‡e`b P‚ovšÍ Kivi c~‡e© 1
kvLv eë¯’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó bw_ hvPvB Kiæb|
Kg©KZ©v‡ì wb‡q mfv Kiv n‡q‡Q wK bv?
3 K) g~j¨vqb cÖwZ‡e`‡b `~e©jZvmg~n wPwýZ 2
Kiv n‡q‡Q wK bv?
L) M„nxZ wm×všÍ ev¯Íevq‡b kvLv KZ…©K Kx
c`‡ÿc MÖnY Kiv n‡q‡Q Ges cieZx© bw_ hvPvB Kiæb|
•ÎgvwmK mfv¸‡jv‡Z c~e©eZx© mfvi
GZ`mswkøó wel‡qi AMÖMwZ wb‡q Av‡jvPbv
Kiv n‡q‡Q wK bv?
4 kvLvi wbR¯^ g~j¨vqb h_vh_ wK bv? bw_ hvPvB Kiæb Ges ‡PKwj‡÷i cÖwZwU c‡q›U ch©v‡jvPbv c~e©K 1
g~j¨vqb Kiæb|
7 AML/CFT 1 kvLvq KZRb Kg©KZ©v gvwbjÛvwis cÖwZ‡iva GZ`wel‡q kvLvi mswkøó ‡iKW© †`Lyb| GGgGj/wmGdwU welq
wel‡q welqK AvbyôvwbK cÖwkÿY MÖnY K‡i‡Qb? AvšÍR©vwZK gvb`Û,RvZxq bxwZgvjv I AvBbKvbyb, weGdAvBBD
Kg©KZ©v‡ì KZ…©K RvixK…Z MvB‡WÝ †bvUm& I mvK©yjvi BZ¨vw` welq
1
Ávb I AšÍfwy© ³KiYmn Gi SzuwK eë¯’vcbvi Kjv‡K․kj Ges wi‡cvwU©s
m‡PZbZv c×wZ m¤ú‡K© AšÍZ 1(GK)w`b e¨vcx AbywôZ gvwbjÛvwis welqK
AvbyôvwbK cÖwkÿY g‡g© we‡eP¨ n‡e|
2 cÖavb wbe©vnx KZ…©K evrmwiK wfwË‡Z bw_ ch©v‡jvPbv Kiæb|
GGgGj/wmGdwU welqK A½xKvi †NvlYvi 1
Kwc mKj Kg©KZ©v‡K AewnZKiYc~e©K
43
cwiwkó-N
kvLvq msiÿY Kiv nq wK bv Ges
Ge¨vcv‡i kvLvi Kg©KZ©vMY h_vh_fv‡e Zv
cwicvjb K‡i‡Qb wK bv?
3 kvLvi Kg©KZ©vMY GGgGj/wmGdwU welqK kvLvi Kg©KZ©v‡ì mv‡_ mvÿvrKv‡ii wfwË‡Z g~j¨vqb Kiæb|
bxwZ, c×wZ I †cÖvMÖvg Ges RvZxq
1
bxwZgvjvmn weGdAvBBD Gi MvBWjvBÝ
m¤ú‡K© AewnZ wK bv?
4 cÖwkÿY msµvšÍ Z_¨ I `wjjvw` bw_ ch©v‡jvPbv Kiæb|
1
h_vh_fv‡e msiÿY Kiv nq wK bv?
8 †iKW© msiÿY/ 1 gvwbjÛvwis cÖwZ‡iva AvBb-2012 Ges gvwbjÛvwis cÖwZ‡iva AvBb-2012 Ges weGdAvBBD Gi mvKz©jvi
mieivn e¨vs‡Ki wbR¯^ bxwZgvjv Abyhvqx MÖvn‡Ki †gvZv‡eK wnmv‡ei †jb‡`‡bi Z_¨vw` (†hgb wnmve †Lvjvi dig,
2
†jb‡`b m¤úwK©Z †iKW© h_vh_fv‡e †jb‡`b weeiYx, †PK/fvDPvi BZ¨vw`) cixÿv K‡i †`Lyb|
msiÿY Kiv nq wK bv ?
2 Mªvn‡Ki KYC mn CDD cÖwµqv GZ`&msµvšÍ bw_ cixÿv Kiæb| h_vmg‡q I mwVKfv‡e Z_¨
m¤úv`bKv‡j msM„nxZ Z_¨ I `wjjvw` Ges mieivn bv Ki‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e|
†jb‡`b msµvšÍ Z_¨ I `wjjvw` 3
weGdAvBBD Gi Pvwn`v †gvZv‡eK
h_vmg‡q mieivn Kiv nq wK bv ?
9 wbixÿv, 1 kvLv eë¯’vcK BAMLCO bv n‡j wZwb kvLvq Av‡qvwRZ mfvi Av‡jvP¨m~Px I kvLv eë¯’vc‡Ki mv‡_
cwi`k©b I AML/CFT ‡cÖvMÖvg ev¯Íevq‡b h_vh_ mvÿvrKv‡ii wfwË‡Z g~j¨vqb Kiæb| 1
Ab¨vb¨ f~wgKv cvjb K‡ib wK bv ?
2 B‡Zvc~‡e© kvLvq cwiPvwjZ wbixÿv/cwi`k©b me©‡kl wbixÿv cÖwZ‡e`b cixÿv K‡i †`Lyb Ges cÖwZ‡e`‡b ewY©Z
cÖwZ‡e`‡b DwjøwLZ Awbqg/mycvwikmg~n Awbqgvw` ms‡kva‡b kvLv wKiƒc eë¯’v MÖnY K‡i‡Q Zv hvPvB
h_vh_fv‡e cwicvwjZ n‡q‡Q wK bv ? K‡i †`Lyb|
 e¨vs‡Ki Af¨šÍixY wbixÿv wefvM KZ…©K me©‡kl wbixÿv
wi‡cvU© ch©v‡jvPbv Kiæb Ges cwicvj‡bi Ae¯’v hvPvB
Kiæb|
 evsjv‡`k e¨vs‡Ki e¨vsK cwi`k©b wefvM KZ©„K
cwi`k©b Kvh©µg m¤úbœ n‡j Gi wi‡cvU©wU
4
(gvwbjÛvwis AskwU we‡klfv‡e) ch©v‡jvPbv Kiæb Ges
cwicvj‡bi Ae¯’v hvPvB Kiæb|
 evsjv‡`k e¨vs‡Ki ‣e‡`wkK gy`ªv cwi`k©b wefvM KZ©„K
wbixÿv (hw` n‡q _v‡K) Gi wi‡cvU©wU ch©v‡jvPbv
Kiæb Ges cwicvj‡bi Ae¯’v hvPvB Kiæb|
 weGdAvBBD Gi wbixÿv (hw` n‡q _v‡K) Gi
wi‡cvU©wU ch©v‡jvPbv Kiæb Ges cwicvj‡bi Ae¯’v
hvPvB Kiæb|
3 MÖvnK m‡PZbZv e„w×K‡í wK eë¯’v MÖnY MÖvnK m‡PZbZv e„w×K‡í kvLv Kx ai‡bi Kvh©µg MÖnb K‡i‡Q Zv
Kiv n‡q‡Q? hvPvB Kiæb| G e¨vcv‡i MÖvnK‡ì wjd‡jU weZiY Ges kvLvi 3
`„k¨gvb ¯’v‡b G welqK †cv÷vi Av‡Q wK bv hvPvB Kiæb|
me©‡gvUt 100
44
cwiwkó-N
kvLvi g~j¨vqbt
µ cwi`k©b ‡ÿÎ eivÏK…Z †gvU b¤î cÖvß b¤î
1 kvLv cwicvjb Kg©KZ©v g~j¨vqb 6
2 MÖvnK cwiwPwZ (KYC) 26
3 †jb‡`b cix¶Y 23
4 m‡›`nRbK †jb‡`b Ges bM` †jb‡`b wi‡cvwU©s 20
5 gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei weeiYx `vwLj 3
6 ¯^wba©viYx c×wZ (Self Assessment) 5
7 GGgGj/wmGdwU wel‡q Kg©KZ©v/Kg©Pvix‡ì Ávb I m‡PZbZv 4
8 †iKW© msiÿY 5
9 wbixÿv, cwi`k©b I Ab¨vb¨ 8
me©‡gvUt 100
‡¯‹vi †iwUs
+
90 -100 kw³kvjx
70+-90 m‡šÍvlRbK
55+-70 †gvUvgywU fvj
40+-55 cÖvwšÍK
40 I Gi bx‡P Am‡šÍvlRbK
45

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evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU

02 Avlvp, 1427 e½vã

e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v

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

2| MÖvnK wbe©vPb bxwZgvjv :

3| MÖvnK cwiwPwZ, mZK©Zvg~jK e¨e¯’v I Ab¨vb¨ :

3.6 CDD msµvšÍ Ab¨vb¨ wb‡`©kbv:

3.8 MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v (Enhanced Due Diligence-EDD) :

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

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

3.12 PEPs msµvšÍ Ab¨vb¨ wb‡`©kbv:

3.13 K‡imc‡Û›U e¨vswKs (Correspondent Banking) m¤úK© ¯’vc‡bi †ÿ‡Î KiYxq :

3.14 G‡R›U e¨vswKs msµvšÍ wb‡`©kbv :

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

3.17 †MvcbxqZv iÿv :

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

6| bM` †jb‡`b weeiYx `vwLj (Cash Transaction Report-CTR) :

7| m‡›`nRbK †jb‡`b cÖwZ‡e`b (Suspicious Transaction Report-STR) :

8.1 kvLvmg~‡ni KiYxq :

8.2 Af¨šÍixY wbixÿv wefv‡Mi KiYxq :

8.3| gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡Mi KiYxq :

(2) Af¨šÍixY Iq¨vi UªvÝdvi8 :

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

(2) B›UviwgwWqvix e¨vsK :

(3) ‡ewbwdwkqvwi e¨vsK :

11| wb‡qvM I cÖwkÿY :

11.3 wkÿY- e¨vsK MÖvnK :

12| ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY :

(†gv: RvwKi †nv‡mb †P․ayix )

(‡gvt gvmy` ivbv)

14. wi¯‥ †MÖwWs(mshyw³-2 Abyhvqx):

wi¯‹ ‡¯‹v‡ii †hvMdj mvgwMÖK wi¯‹ †iwUs

cÖ¯‘ZKvix : ch©v‡jvPbv I wbwðZKvix Kg©KZ©v :

............e¨vsK/ e¨vsK wj.

Kwc M„nxZ hvPvBK…Z [wUK (√) w`b]

(K) mswkøó wbqš¿YKvix KZ…©c‡ÿi bvg : ............................................................................

16. wi¯‥ †iwUs (mshyw³-2 Abyhvqx) :

wi¯‹ ‡¯‹v‡ii †hvMdj mvgwMÖK wi¯‹ †iwUs

cÖ¯‘ZKvix : ch©v‡jvPbv I wbwðZKvix Kg©KZ©v :

3. MÖvn‡Ki †ckv (we¯ÍvwiZ) :

13. wi¯‥ †MÖwWs(mshyw³-2 Abyhvqx):

wi¯‹ ‡¯‹v‡ii †hvMdj mvgwMÖK wi¯‹ †iwUs

cÖ¯‘ZKvix : ch©v‡jvPbv I wbwðZKvix Kg©KZ©v :

ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©vi

(* Subjective we‡ePbvq MÖvn‡Ki SuywK cwieZ©b n‡Z cv‡i)

cÖ¯‘ZKvix : ch©v‡jvPbv I wbwðZKvix Kg©KZ©v :

( wnmv‡ei cÖK…Z myweav‡fvMxi Rb¨ c~iYxq|)

ZvwiLt............................... wnmve b¤^it ..................................

e¨emv I ‡ckv msµvšÍ SzuwK †¯‹vi

MÖvn‡Ki e¨emvi aiY †¯‹vi e¨emv (weÁvcb) 3

Ry‡qjvwi/¯^Y©/gyj¨evb avZzi e¨emv 5 mvwf©m ‡cÖvfvBWvi 3

Avg`vwb/ißvwb I Avg`vwb/ißvwb G‡R›U 5 G‡MÖv weR‡bm/ivBm wgj/†efv‡iR 2

C. ANTI-MONEY LAUNDERING AND TERRORIST FINANCING CONTROLS

11. Has your institution developed written policies documenting the

12. Does your institution have a policy prohibiting accounts/relationships

15. Does your institution have policies covering relationships with

II. Risk Assessment

20. Does your institution have a requirement to collect information Yes / No

23. Does your institution complete a risk-based assessment to understand Yes / No

IV. Reportable Transactions for Prevention and Detection of ML/TF

IV. Transaction Monitoring

Space for additional information:

----- e¨vsK wjt