evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU

evsjv‡`k e¨vsK
cÖavb Kvh©vjq
XvKv
www.bfiu.org.bd
16 •R¨ô 1430
weGdAvBBD mvK©yjvi bs-28 ZvwiLt
30 †g 2023
e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v
evsjv‡`‡k Kvh©iZ mKj Avw_©K cÖwZôvb

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Avw_©K cÖwZôvbmg~‡ni

Rb¨ AbymiYxq wb‡`©kbv RvixKiY cÖm‡½|

gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I mš¿vm we‡ivax AvBb, 2009 Ges AvBb `ywUi AvIZvq RvixK„Z wewagvjvi mswkøó
weavbvewj cwicvj‡b evsjv‡`‡k Kvh©iZ mKj Avw_©K cÖwZôv‡bi Rb¨ AbymiYxq wb¤œewY©Z wb‡`©kbvmg~n gvwbjÛvwis
cÖwZ‡iva AvBb, 2012 Gi 23(1)(N) Ges mš¿vm we‡ivax AvBb, 2009 Gi 15(1)(N) avivq cÖ`Ë ¶gZv e‡j Rvwi
Kiv n‡jv :

1| cwicvjb KvVv‡gv :

1.1 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv :

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍRv© wZK gvb`Û, †`‡k we`¨gvb AvBb, wewagvjv I evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD) KZ©…K RvixK…Z wb‡`©kbvewji mgš^‡q cÖwZwU Avw_©K
cÖwZôv‡bi GKwU wbR¯^ bxwZgvjv _vK‡e; hv Zv‡`i cwiPvjbv cl©` ev cÖ‡hvR¨ †¶‡Î Avw_©K cÖwZôv‡bi m‡e©v”P
e¨e¯’vcbv KwgwU Aby‡gv`b Ki‡e| D³ bxwZgvjv mswkøó mK‡ji AeMwZ‡Z Avb‡e I ev¯Íevq‡bi Rb¨
cÖ‡qvRbxq c`‡¶c MÖnY Ki‡e| Avw_©K cÖwZôvb mgq mgq bxwZgvjvwU ch©v‡jvPbv Ki‡e I cÖ‡hvR¨ †¶‡Î,
ms‡kvab/cwigvR©b Ki‡e|

1.2 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨e¯’vcbv KZ©…c‡¶i A½xKvi †NvlYv :

(K) cÖwZwU Avw_©K cÖwZôv‡bi cwiPvjbv cl©`, m‡e©v”P wbe©vnx Ges Ab¨vb¨ EaŸ©Zb Kg©KZ©vMY gvwbjÛvwis I
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Dch©y³ AvBb I wewagvjvq ewY©Z Zv‡`i wbR wbR `vwqZ¡ I KZ©‡e¨i
Av‡jv‡K cÖvwZôvwbK cwicvjb e¨e¯’v †Rvi`vi Kivi wel‡q m‡Pó _vK‡eb |
(L) Avw_©K cÖwZôv‡bi cÖavb wbe©vnx evwl©K wfwˇZ cÖwZôv‡bi mKj Kg©KZ©v/Kg©Pvix‡`i D‡Ï‡k¨ gvwbjÛvwis
I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a my¯úó I Kvh©Ki A½xKvi †NvlYv Ki‡eb; A½xKvi ev¯Íevq‡b h_vh_
wb‡`©kbv cÖ`vb Ki‡eb Ges cwicvjbxq welqvw`i mvwe©K Ae¯’v ch©‡e¶Y Ki‡eb|

1.3 †K›`ªxq cwicvjb BDwbU (Central Compliance Unit) :

(1) cÖwZwU Avw_©K cÖwZôv‡b GKRb ÒEaŸ©Zb Kg©KZ©viÓ †bZ„‡Z¡ cÖavb Kvh©vj‡q GKwU Ô‡K›`ªxq cwicvjb
BDwbU' (Central Compliance Unit) cÖwZôv Ki‡e; Av‡jvP¨ BDwbU mivmwi cÖwZôv‡bi e¨e¯’vcbv
cwiPvjK ev cÖavb wbe©vnx Kg©KZ©v'i wbKU wi‡cvU© Ki‡e| DwjøwLZ ÔEaŸ©Zb Kg©KZ©v' cÖavb gvwbjÛvwis

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 cÖwZ‡iva cwicvjb Kg©KZ©v (Chief Anti-Money Laundering Compliance Officer-
CAMLCO) bv‡g AwfwnZ n‡eb| G‡¶‡Î ÔEaŸ©Zb Kg©KZ©v'i c`gh©v`v Avw_©K cÖwZôv‡bi e¨e¯’vcbv
cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi 3 (wZb) av‡ci bx‡P n‡e bv| Z‡e we‡`wk Avw_©K cÖwZôv‡bi †¶‡Î D³
ÒEaŸ©Zb Kg©KZ©v'‡K Aek¨B m‡e©v”P e¨e¯’vcbv KwgwUi (Management Committee) m`m¨ n‡Z
n‡e| cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v cwieZ©b n‡j Awej‡¤^ weGdAvBBD Gi I‡qemvB‡U
Compliance Officer Portal Gi gva¨‡g G msµvšÍ Z_¨vw` nvjbvMv` Ki‡Z n‡e| †K›`ªxq cwicvjb
BDwb‡U DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Deputy Chief Anti-Money
Laundering Compliance Officer- DCAMLCO) wn‡m‡e Dchy³ Kg©KZ©v‡K g‡bvbqb cÖ`vb
Kiv hv‡e|

(2) cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi b~¨bZg 7 (mvZ) eQ‡ii e¨vsK ev Avw_©K cÖwZôv‡b KvR
Kivi AwfÁZv _vK‡Z n‡e, Zb¥‡a¨ Kgc‡¶ 3 (wZb) eQi e¨e¯’vcbv ch©v‡q Kg©iZ n‡Z n‡e| DccÖavb
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v wb‡qv‡Mi †¶‡Î 5 (cuvP) eQ‡ii AwfÁZv (e¨vsK/Avw_©K
cÖwZôv‡b) _vK‡Z n‡e|

(3) cÖavb Ges 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‡`©kbvewj I GZwØl‡q
AvšÍRv© wZK gvb`Ûmg~‡ni Dci mg¨K aviYv _vK‡Z n‡e| D³ Kg©KZ©v‡`i‡K cÖwZôv‡bi Ab¨ †Kv‡bv
`vwqZ¡ Ac©‡Yi c~‡e© e¨e¯’vcbv KZ©…c¶‡K wbwðZ n‡Z n‡e †h Gi d‡j cÖwZôvbwUi gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb cÖwZ‡iva welqK Kvh©µg wewNœZ n‡e bv| cÖavb Ges DccÖavb gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZ©v m¤úwK©Z Z_¨vw` (cwiwkó-ÒKÓ) cÖwZeQi Rvbyqvwi gv‡mi cÖ_gv‡a© wjwLZfv‡e
weGdAvBBD-‡K AewnZ Ki‡Z n‡e|

(4) cÖwZwU Avw_©K cÖwZôvb wbR cÖwZôv‡bi AvKvi, e¨vwß, Kvh©µg, MÖvn‡Ki msL¨v BZ¨vw` we‡ePbvc~e©K †K›`ªxq
cwicvjb BDwb‡U Dchy³ msL¨K Kg©KZ©v/Kg©Pvix wb‡qvM Ki‡e| †K›`ªxq cwicvjb BDwbU I Af¨šÍixY
wbix¶v wefvM m¤ú~Y© c„_K `ywU BDwbU ev wefvM wn‡m‡e gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
welqK Kvh©µg m¤úv`b Ki‡e|

(5) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a Avw_©K cÖwZôvb¸‡jv cÖvwZôvwbK †KŠkj I Kg©m~wP wba©viY
Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e| †K›`ªxq cwicvjb BDwbU gvwbjÛvwis Ges mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iva Kg©m~wPi ev¯Íevqb wbwðZ Ki‡e|

(6) ‡K›`ªxq cwicvjb BDwbU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q Avw_©K cÖwZôv‡bi M„nxZ
c`‡¶c, G wel‡q ev¯Íevqb AMÖMwZ I mycvwik m¤^wjZ cÖwZ‡e`b lvY¥vwmK wfwˇZ (Rvbyqvwi- Ryb I
RyjvB-wW‡m¤^i) cÖwZôv‡bi cÖavb wbe©vnxi AeMwZ I wb‡`©kbvi Rb¨ `vwLj Ki‡e| D³ cÖwZ‡e`‡b G
mvK©yjv‡ii 8.3(1) G ewY©Z welqmg~nmn gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q
weGdAvBBD KZ©…K †Kvb e¨e¯’v M„nxZ n‡q _vK‡j Zv AšÍfy³ © Ki‡Z n‡e| cÖavb wbe©vnxi wb‡`©kbv I
gZvgZmn cÖwZ‡e`bwU cÖwZôv‡bi cwiPvjbv cl©` ev m‡e©v”P e¨e¯’vcbv KwgwUi mfvq Dc¯’vcb Ki‡Z
n‡e Ges cÖwZ‡e`bwUi GKwU Kwc mswkøó lvY¥vwmK †kl nIqvi 2 (`yB) gv‡mi g‡a¨ weGdAvBBD eivei
†cÖiY Ki‡Z n‡e|

(7) †K›`ªxq cwicvjb BDwbU wb‡¤œ DwjøwLZ 1.4 Aby‡”Q‡`i wb‡`©kbv †gvZv‡eK kvLv ch©v‡q cwicvjb Kg©KZ©v
g‡bvbq‡bi gva¨‡g Af¨šÍixY cwiex¶Y I wbqš¿Y e¨e¯’v cÖwZôv Ki‡e| G‡¶‡Î wbw`©ó Kg©KZ©v‡K
g‡bvbqbc~e©K g‡bvbxZ Kg©KZ©v‡K Zvi `vwqZ¡mg~n wjwLZfv‡e AewnZ Ki‡e|

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 (8) †K›`ªxq cwicvjb BDwbU kvLvmg~‡ni Rb¨ AbymiYxq wb‡`©kbvewj Rvwi Ki‡e; hv‡Z gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb cÖwZ‡iv‡a MÖvnK cwiwPwZ MÖnY, †jb‡`b gwbUwis e¨e¯’v, Af¨šÍixY wbqš¿Y e¨e¯’v Ges
GZ`&msµvšÍ Ab¨vb¨ cwicvjbxq bxwZ I c×wZmg~n AšÍfy³© _vK‡e |

(9) gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vqb Ges gvwbjÛvwis cÖwZ‡iva
AvBb, 2012 G DwjøwLZ m¤ú…³ Aciva m¤úwK©Z †Kvb msev` MYgva¨‡g cÖKvk nIqvi mv‡_ mv‡_ D³
Kg©Kv‡Ði mv‡_ RwoZ †Kvb e¨w³ ev mËvi †Kv‡bv wnmve/AvgvbZ/FY cwiPvwjZ n‡q _vK‡j G welqK
we¯ÍvwiZ Z_¨ mswkøó Avw_©K cÖwZôv‡bi †K›`ªxq cwicvjb BDwbU KZ©…K Awej‡¤^ weGdAvBBD eive‡i
†cÖiY Ki‡Z n‡e Ges cÖ‡qvRb‡ev‡a m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Ki‡Z n‡e|

(10) †K›`ªxq cwicvjb BDwbU eQ‡i b~¨bZg 4 (Pvi) wU mfv Av‡qvRb Ki‡e| D³ mfvq Zviv Avw_©K
cÖwZôv‡bi gvwbjÛvwis Ges 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|

1.4 kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v :

(1) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡`©kbvewj
Ges Avw_©K cÖwZôv‡bi wbR¯^ bxwZgvjv ev¯Íevq‡bi Rb¨ †K›`ªxq cwicvjb BDwbU Avw_©K cÖwZôv‡bi
cÖwZwU kvLvq GKRb AwfÁ kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Branch Anti-Money
Laundering Compliance Officer- BAMLCO) g‡bvbxZ Ki‡e|

(2) kvLvi AwfÁ †Kv‡bv EaŸ©Zb Kg©KZ©v‡K kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v wn‡m‡e g‡bvbxZ
Ki‡Z n‡e| D‡jøL¨, kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi b¨~bZg 3 (wZb) eQ‡ii AwfÁZv
_vK‡Z n‡e Ges gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv,
weGdAvBBD Gi mKj wb‡`©kbv Ges cÖwZôv‡bi wbR¯^ bxwZgvjvi wel‡q mg¨K aviYv _vK‡Z n‡e| kvLv
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi g‡bvbqbc‡Î Zvi Kg©cwiwa Ges `vq `vwqZ¡ mywbw`©ófv‡e D‡jøL
_vK‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi Dci Awc©Z `vwqZ¡ h_vh_fv‡e cwicvj‡bi
Rb¨ mswkøó Avw_©K cÖwZôvb KZ©…K D³ Kg©KZ©v‡K me©cÖKvi mn‡hvwMZv wbwðZ Ki‡Z n‡e|

(3) kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v kvLvi Ab¨vb¨ Kg©KZ©v‡`i wb‡q •ÎgvwmK wfwˇZ
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mfv Ki‡eb Ges D³ mfvq wb‡¤œv³ welqmg~nmn
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv Ges weGdAvBBD Gi Ab¨vb¨
wb‡`©kbvi cwicvjb ch©v‡jvPbvc~e©K h_vh_ e¨e¯’v MÖnY Ki‡eb :
 MÖvnK cwiwPwZ;
 ‡jb‡`b cwiex¶Y;
 m‡›`nRbK †jb‡`b ev Kvh©µg wPwýZKiY I wi‡cvwU©s;
 ¯’vbxq Sanction List mn RvwZms‡Ni wbivcËv cwil‡`i †iRy‡jkbmg~‡ni ev¯Íevqb;
 ‡mj&d A¨v‡mm‡g›U msµvšÍ Kvh©µg;
 ‡iKW© msi¶Y;
 cÖwk¶Y BZ¨vw`|
kvLv cwicvjb Kg©KZ©v •ÎgvwmK mfvi Kvh©weeiYx †K›`ªxq cwicvjb BDwbU eive‡i †cÖiY Ki‡eb|

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2| MÖvnK wbe©vPb bxwZgvjv :

MÖvnK wbe©vP‡bi †¶‡Î cÖwZwU Avw_©K cÖwZôv‡bi mywbw`©ó bxwZgvjv _vK‡Z n‡e; hv cÖwZôv‡bi gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb msµvšÍ SyuwK cÖwZ‡iva msµvšÍ g~j bxwZgvjvi Ask n‡Z cv‡i| D³ bxwZgvjvq Ab¨vb¨ cÖvmw½K wel‡qi mv‡_
Avewk¨Kfv‡e wb‡¤œv³ welqmg~n AšÍfy³© _vK‡e :
(1) †ebv‡g, QÙbv‡g ev †Kej msL¨vhy³ †Kv‡bv MÖvn‡Ki wnmve †Lvjv ev cwiPvjbv Kiv hv‡e bv;
(2) RvwZms‡Ni wbivcËv cwil‡`i wewfbœ †iRy‡jk‡bi1 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 ZvwjKvfy³2 †Kv‡bv e¨w³ ev wbwl× †NvwlZ
mËvi †Kv‡bv wnmve †Lvjv hv‡e bv ev cwiPvjbv Kiv hv‡e bv; Ges
(3) G wel‡q weGdAvBBD KZ©…K mgq mgq cÖ`Ë wb‡`©kbv AbymiYxq n‡e|

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

3.1 MÖvn‡Ki msÁv :

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SyuwK e¨e¯’vcbvq MÖvnK ej‡Z wb‡¤œv³ e¨w³ ev mËv‡K eySv‡e :
(1) Avw_©K cÖwZôv‡bi mv‡_ wnmve msi¶Y K‡i ev e¨emvwqK m¤úK© i‡q‡Q Ggb †h †Kv‡bv e¨w³ ev mËv;
(2) wnmve ev e¨emvwqK m¤ú‡K©i cÖK„Z myweav‡fvMx (Beneficial Owner3) ; cÖZ¨¶ ev c‡iv¶fv‡e hvi c‡¶
wnmve cwiPvwjZ nq;
(3) we`¨gvb AvBwb 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© A¨vKvD‡›U›U BZ¨vw`);
(4) †Kv‡bv e¨w³ ev mËv KZ©…K GKK †jb‡`‡b msNwUZ AwaK g~‡j¨i4 Occasional Transaction ev cÖwZôv‡bi
mybvg Ges Ab¨ †Kv‡bv SyuwK m„wó Ki‡Z cv‡i Ggb Avw_©K †jb‡`‡bi †¶‡Î mswkøó e¨w³ ev mËv; Ges
(5) weGdAvBBD KZ©…K mgq mgq msÁvwqZ e¨w³ ev mËv |

3.2 MÖvnK cwiwPwZ (Know Your Customer-KYC) :

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SyuwK e¨e¯’vcbvq MÖvn‡Ki cwiwPwZ MÖnY I hvPvB cÖwµqvi †¶‡Î wb‡¤œv³ welqvewji
cwicvjb wbwðZ Ki‡Z n‡e :

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RvwZms‡Ni wbivcËv cwil‡`i wewfbœ †iRy‡jk‡bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv ej‡Z mš¿vm we‡ivax wewagvjv, 2013 Gi 2 (Q) bs
wewa‡Z msÁvwqZ †iRy‡jk‡bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv‡K eySv‡e| GB ZvwjKvmg~n
https://www.un.org/securitycouncil/sanctions/information I‡qewjsK n‡Z msMÖn Kiv hv‡e|
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evsjv‡`k miKvi KZ©…K ZvwjKvfy³ †Kv‡bv e¨w³ ev wbwl× †NvwlZ mËv ej‡Z mš¿vm we‡ivax AvBb, 2009 Gi 18 b¤^i avivq cÖ`Ë ¶gZve‡j
evsjv‡`k miKvi KZ©…K mgq mgq miKvwi †M‡RU cÖÁvcb Øviv Zdwmjfy³ †Kv‡bv e¨w³ ev mËv‡K eySv‡e| DwjøwLZ ZvwjKv
https://www.bfiu.org.bd//pdf/local_sanction_list_bangla.pdf I‡qewjsK n‡Z msMÖn Kiv hv‡e|
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Beneficial owner refers to the natural person(s) who ultimately owns or controls a customer and/or the natural
person on whose behalf a transaction is being conducted. It also includes those persons who exercise ultimate
effective control over a legal person or arrangement. Reference to "ultimately owns or controls" and "ultimate
effective control" refer to situations in which ownership/control is exercised through a chain of ownership or
by means of control other than direct control.
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Note: It is required to conduct CDD of settlor, trustee, protector or any person with similar status or any
beneficiary or class of beneficiaries who have hold effective control on trust, in case of identification of
beneficial ownership of a legal arrangement. G‡¶‡Î mswkøó e¨w³ ev cÖwZôv‡bi e¨emv/‡ckv/‡cÖvdvB‡ji wbwi‡L ¯^vfvweK
†jb‡`‡bi Zyjbvq †Kv‡bv †jb‡`b A¯^vfvweK cÖZxqgvb n‡j Zv ÔAwaK g~‡j¨i e‡j we‡ewPZ n‡e|

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 (1) MÖvn‡Ki cwiwPwZi c~Y©v½5 I mwVK6 Z_¨ msMÖn Ki‡Z n‡e| Avw_©K LvZ hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h©
A_©vq‡bi SyuwKi m¤§yLxb bv nq Zv wbwðZ Kivi Rb¨ cÖwZwU Avw_©K cÖwZôv‡b 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| D‡jøL¨, Giƒc c~Y©v½ I mwVK Z_¨ MÖnY ev msi¶‡Yi †¶‡Î myweavRbK we‡ePbvq AvaywbK cÖhyw³i
e¨envi ev mnvqZv MÖnY Kiv hv‡e |

(2) AvaywbK cÖhyw³i e¨envi 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 e¨envi ev mnvqZv
MÖnY Ki‡Z n‡e| †h ‡ÿ‡Î B‡jKUªwbK gva¨g e¨envi K‡i wnmve †Lvjv m¤¢e n‡e bv †m ‡ÿ‡Î nvW© Kwc
wnmve †Lvjvi dig e¨envi Kiv hv‡e|

(3) hw` MÖvn‡Ki c‡¶ Ab¨ †Kv‡bv e¨w³ wnmve cwiPvjbv K‡i †m‡¶‡Î D³ e¨w³ h_vh_fv‡e ¶gZvcÖvß wKbv
Zv wbwðZ n‡q Zvi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e |

(4) Uªvw÷ I †ckv`vi ga¨¯’ZvKvix KZ©…K MÖvn‡Ki c‡¶ cwiPvwjZ wnmv‡ei †¶‡Î Zv‡`i 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|

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

MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v ev CDD ej‡Z wbf©i‡hvM¨ I ¯^vaxb Drm n‡Z cÖvß Z_¨, DcvË I `wjjvw`i
wfwˇZ MÖvn‡Ki cwiwPwZ wbwðZKiY, msM„nxZ cwiwPwZg~jK Z_¨ ev Dcv‡Ëi mwVKZv Ges A‡_©i Drm hvPvBKiYmn
wnmv‡ei cwiwPwZg~jK Z_¨ ev DcvË I †jb‡`b wbqwgZfv‡e (On-going) cwiex¶Y Kiv‡K eySv‡e| D‡jøL¨ †h,
MÖvn‡Ki h_vh_ cwiwPwZ MÖnY I hvPvBKiY (KYC), CDD cÖwµqvi GKwU Ask|

(1) MÖvnK mswkøó SyuwK 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) weGdAvBBD KZ©…K mgq mgq wba©vwiZ †jb‡`‡bi (AwbqwgZ GK ev ci¯úi m¤úK©hy³ GKvwaK †jb‡`‡bi
gva¨‡g) gvÎvi AwaK †jb‡`‡bi mgq;
(M) †Kv‡bv †jb‡`b gvwbjÛvwis ev mš¿vmx Kv‡h© A_vqb mswkøó e‡j m‡›`n n‡j;
(N) hLb m‡›`n Kivi h‡_ó KviY _vK‡e †h (B‡Zvc~‡e© MÖvn‡Ki cwiwPwZi wbwgË †h 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 CDD m¤úv`‡bi †¶‡Î Z‡_¨i
†MvcbxqZv duvm (Tipping Off) nIqvi 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 Avw_©K cÖwZôv‡bi mv‡_ m¤úK© ¯’vc‡bi AšÍwb©wnZ D‡Ïk¨ m¤ú‡K© wbwðZ nIqvi Rb¨ cÖ‡Z¨K
Avw_©K cÖwZôvb Zv‡`i mš‘wó7 mv‡c‡¶ ch©vß Z_¨ msMÖn Ki‡e| D‡jøL¨, Avw_©K cÖwZôvb KZ©…K m¤úvw`Z Av‡jvP¨
CDD Kvh©µg wbqwgZfv‡e (On-going) ch©v‡jvPbv Ki‡Z n‡e|

5
Òc~Y©v½ (complete)Ó ej‡Z wnmv‡ei Av‡e`bKvix/wnmveavix MÖvn‡Ki cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_¨i mwbœ‡ek‡K eySv‡e|
6
ÒmwVK (Accurate)Ó ej‡Z c~Y©v½ Giƒc Z_¨‡K eySv‡e hvi mwVKZv h_vh_ KZ©…c‡¶i wbKU n‡Z hvPvB Kiv n‡q‡Q|
7
ÒAvw_©K cÖwZôv‡bi mš‘wó mv‡c‡¶Ó ej‡Z we`¨gvb wb‡`©kbvi Av‡jv‡K MÖvn‡Ki SyuwK we‡ePbvq wb‡q cÖ‡qvRbxq Z_¨, DcvË I `wjjvw`
msMÖnc~e©K CDD m¤úbœ Kiv n‡q‡Q g‡g© h_vh_ KZ©…c¶‡K mš‘ó Kiv‡K eySv‡e |

5
(3) cÖwZwU wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner) kbv³ Ki‡Z n‡e| G‡¶‡Î cÖwZôv‡bi mš‘wó mv‡c‡¶
¯^vaxb I wbf©i‡hvM¨ m~Î n‡Z msM„nxZ Z‡_¨i wfwˇZ wb‡¤œv³fv‡e wnmv‡ei cÖK„Z myweav‡fvMxi cwiwPwZ wbwðZ
Ki‡Z n‡e :
(K) hw` †Kv‡bv MÖvnK Ab¨ †Kv‡bv e¨w³i c‡¶ wnmve cwiPvjbv K‡i, †m †¶‡Î MÖvnK QvovI D³ e¨w³i cwiwPwZi
mwVK I c~Y©v½ Z_¨ msMÖn I msi¶Y Ki‡Z n‡e;
(L) AvcvZ`„wó‡Z hw` †Kv‡bv e¨w³ †Kv‡bv MÖvnK‡K cÖZ¨¶ ev c‡iv¶fv‡e wbqš¿Y/cÖfvweZ K‡i †m †¶‡Î D³
e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msi¶Y Ki‡Z n‡e;
(M) †Kv¤úvwbi †¶‡Î wnmv‡ei cÖK„Z myweav‡fvMxi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msi¶Y Ki‡Z n‡e;
G‡¶‡Î, whwb/hv‡`i D³ †Kv¤úvwbi Dci wbqš¿Y‡hvM¨ ¯^v_© (Controlling/ownership interest 8) i‡q‡Q,
wZwb/Zviv wnmv‡ei cÖK„Z myweav‡fvMx e‡j we‡ewPZ n‡eb;
(N) Dch©y³ L-M `dvi wb‡`©kbv c~iYK‡í †Kv‡bv e¨w³ (Natural Person) wPwýZ Kiv m¤¢e bv n‡j cÖavb wbe©vnx
Kg©KZ©vi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msi¶Y 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|

3.4 CDD msµvšÍ Ab¨vb¨ wb‡`©kbv :

(1) cÖwZwU Avw_©K cÖwZôvb MÖvnK cwiwPwZ Ges CDD h_vh_fv‡e m¤úv`bc~e©K Z_¨ I `wjjvw` msi¶Y Ki‡e;

(2) Avw_©K cÖwZôvb KZ©„K MÖvn‡Ki KYC m¤úv`‡bi wbwgË cwiwkó-ÒLÓ G mshy³ bgybv KYC dig e¨enviKv‡j
†Kvb µ‡gB Zv wnmve †Lvjvi di‡gi Ask wn‡m‡e we‡ePbv Kiv hv‡e bv ev MÖvnK KZ©„K c~iYxq n‡e bv;

(3) GKB Avw_©K cÖwZôv‡b GKB MÖvn‡Ki GKvwaK wnmve cwiPvwjZ n‡j MÖvnK cwiwPwZi cybive„wË cwinvi I †jb‡`b
gwbUwis Gi myweav‡_© Avw_©K cÖwZôvb D³ MÖvn‡Ki Rb¨ GKwU Unique Customer Identification Code
(UCIC) eivÏ Ki‡e| D³ UCIC MÖvnK I Avw_©K cÖwZôvb KZ©…K MÖvnK‡K cÖ`Ë mKj cÖKvi †mev wPwýZKiY
(track) Ges c~Y©v½fv‡e Avw_©K †jb‡`b cix¶‡Yi †¶‡Î mnvqZv Ki‡e;

(4) KYC cÖwµqvq MÖvnK m¤úwK©Z cÖvß Z_¨mg~n nvjbvMv`KiY GKwU Pjgvb cÖwµqv | G‡¶‡Î, wnmve †Lvjvi di‡g
DwjøwLZ gvb`‡Ði Av‡jv‡K wbiƒwcZ wb¤œ SyuwK m¤úbœ MÖvn‡Ki †¶‡Î 05 (cuvP) eQi Ges D”P SyuwK m¤úbœ MÖvn‡Ki
†¶‡Î 01 (GK) eQi ci ci nvjbvMv`KiY cÖwµqv m¤úbœ Ki‡Z n‡e| MÖvn‡Ki cwiwPwZg~jK Z‡_¨i †h †Kv‡bv
cwieZ©b9 AeMZ nIqvi mv‡_ mv‡_B Zv nvjbvMv` Ki‡Z n‡e| GQvov wbw`©ó †Kv‡bv cÖ‡qvRb Abyf~Z n‡j †h
†Kv‡bvmg‡qB MÖvn‡Ki cwiwPwZg~jK Z_¨ nvjbvMv` Kiv hv‡e| nvjbvMv`K„Z Z‡_¨i wfwˇZ cybivq Awej‡¤^ Gme
wnmv‡ei SyuwK wbY©q Ki‡Z n‡e;

(5) GwcÖj 30, 2002 Zvwi‡Li c~‡e© †Lvjv †h mKj wnmv‡ei KYC cÖwµqv m¤úbœ Kiv m¤¢e nqwb †m mKj wnmve
ÔmyßÓ (Dormant) wn‡m‡e wPwýZ n‡e| myß wn‡m‡e wPwýZ G mKj wnmv‡e ïaygvÎ A_© Rgv Kiv hv‡e wKš‘
D‡Ëvjb Kiv hv‡e bv| Z‡e MÖvnK KZ©…K kvLv e¨e¯’vc‡Ki wbKU wjwLZ Av‡e`‡bi †cÖw¶‡Z Avw_©K cÖwZôvb KZ©…K
D³ MÖvn‡Ki KYC cÖwµqv m¤úbœ mv‡c‡¶ MÖvnK wnmvewU‡Z ¯^vfvweK †jb‡`b m¤úv`b Ki‡Z cvi‡eb| †K›`ªxq
cwicvjb BDwbU Giƒc myß wnmv‡ei Z_¨ msi¶Y Ki‡e Ges cÖvwZôvwbK ixwZ-bxwZi evB‡i †Kv‡bv wnmve eÜ
Ki‡e bv ; Ges

8
A controlling ownership interest depends on the ownership structure of the company. It may be based on a
threshold, e.g. any person owning more than a certain percentage of the company (e.g. 20%).
9
cwieZ©b ej‡Z MÖvn‡Ki †ckv/e¨emv‡qi cwieZ©b, gvwjKvbvi cwieZ©b, †jb‡`‡bi c¨vUvb© cwieZ©b, wgwWqv wi‡cvU© BZ¨vw` welq‡K we‡ePbv
Ki‡Z n‡e|

6
(6) †Kv‡bv we‡`wk ev Awbevmx evsjv‡`wk‡`i wnmve †Lvjvi †¶‡Î Foreign Exchange Regulation Act, 1947
Gi weavbvewj I Gi AvIZvq evsjv‡`k e¨vsK KZ©…K RvixK„Z wb‡`©kbvmg~n AbymiYxq n‡e|

3.5 CDD m¤úv`b Kiv m¤¢e bv n‡j Avw_©K cÖwZôv‡bi 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‡¶ CDD m¤úv`b Kiv m¤¢e bv n‡j Avw_©K cÖwZôvb wb¤œiƒc
e¨e¯’v MÖnY Ki‡e :

(1) Avw_©K cÖwZôvb D³iƒc MÖvn‡Ki wnmve Lyj‡e bv/e¨emvwqK m¤úK© ¯’vcb Ki‡e bv/†jb‡`b Ki‡e bv A_ev cÖ‡qvR‡b
we`¨gvb e¨emvwqK m¤úK© evwZj Ki‡e;
(2) we`¨gvb Giƒc wnmve eÜ Kivi †¶‡Î EaŸ©Zb Kg©KZ©vi Aby‡gv`b MÖnY Ki‡Z n‡e Ges wnmve eÜ Kivi c~‡e© wnmve
eÜKi‡Yi KviY e¨vL¨vc~e©K MÖvnK‡K †bvwUk cÖ`vb Ki‡Z n‡e;
(3) kvLv Dch©y³ wnmve bv †Lvjv ev eÜ Kiv msµvšÍ Z_¨ msi¶Yc~e©K †K›`ªxq cwicvjb BDwb‡U †cÖiY Ki‡e| cÖ‡qvR‡b
†K›`ªxq cwicvjb BDwbU Gme Z_¨ Ab¨vb¨ mKj kvLvi AeMwZ‡Z ‡bqvi e¨e¯’v MÖnY Ki‡e; Ges
(4) †¶ÎgZ, Giƒc MÖvnK/m¤¢ve¨ MÖvnK/cÖZ¨vLvZ e¨w³ ev mËvi wel‡q m‡›`nRbK †jb‡`b/Kvh©µg cÖwZ‡e`b `vwLj
Ki‡Z n‡e|

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

Avw_©K cÖwZôvb KZ©…K wbiƒwcZ D”P SyuwK m¤úbœ (High Risk) MÖvn‡Ki †¶‡Î wb¤œiƒ‡c MÖvnK m¤úwK©Z AwaKZi
mZK©Zvg~jK e¨e¯’v ev EDD MÖnY Ki‡Z n‡e :
(1) wbi‡c¶ I wbf©i‡hvM¨ Drm (Independent and reliable sources) †_‡K MÖvnK cwiwPwZ m¤úwK©Z AwZwi³
Z_¨vw` msMÖn Ki‡Z n‡e;
(2) wnmve †Lvjvi D‡Ïk¨, wnmv‡ei A_© ev m¤ú‡`i Drm Rvbvi Rb¨ AwaKZi e¨e¯’v MÖnY Ki‡Z n‡e;
(3) cÖ‡hvR¨ ‡¶‡Î, Avw_©K cÖwZôv‡bi cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi Aby‡gv`b MÖnY; Ges
(4) wnmv‡ei †jb‡`b wbqwgZfv‡e AwaKZi Z`viwK Ki‡Z n‡e|

3.7 Politically Exposed Persons (PEPs) Gi †¶‡Î KiYxq :

PEPs10 Gi wnmve †Lvjv I cwiPvjbvq cÖ‡hvR¨ †¶‡Î, G mvK©yjv‡ii (3.2)-(3.4) b¤^i Aby‡”Q‡` ewY©Z cÖ‡hvR¨
wb‡`©kbv Abymi‡Yi cvkvcvwk wb‡¤œ ewY©Z e¨e¯’vw` MÖnY Ki‡Z n‡e :
(1) Avw_©K cÖwZôvb‡K Zv‡`i MÖvnK ev wnmv‡ei cÖK„Z myweav‡fvMx PEPs wKbv Zv wba©viY Kivi Rb¨ Dchy³ c×wZ
MÖnY (‡hgbt Db¥y³ Z‡_¨i Drm, wewfbœ WvUv‡eR e¨envi BZ¨vw`) Ki‡Z n‡e;
(2) PEPs Gi mv‡_ e¨emvwqK m¤úK© ¯’vcb ev we`¨gvb m¤úK© Ae¨vnZ ivLvi †¶‡Î Avw_©K cÖwZôv‡bi cÖavb
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi Aby‡gv`b wb‡Z n‡e;
(3) GQvovI G mvK©yjv‡ii 3.6 Aby‡”Q‡`i (1) n‡Z (4) G ewY©Z MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MÖnY
Ki‡Z n‡e; Ges

10
Politically Exposed Persons (PEPs) ej‡Z "individuals 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 officials" †K eySv‡e |

7
(4) PEPs Gi cwiev‡ii m`m¨ I Zv‡`i mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) †¶‡ÎI DwjøwLZ
wb‡`©kbvmg~n cÖ‡hvR¨ n‡e| G Aby‡”Q‡` DwjøwLZ PEPs wn‡m‡e †Kv‡bv ga¨g ev Aat¯Íb (Middle ranking or
more junior individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|

3.8 cÖfvekvjx e¨w³i (Influential Persons) †¶‡Î KiYxq :

†Kv‡bv cÖfvekvjx e¨w³i (Influential Persons: IPs)11 wnmve D”P SyuwKm¤cbœ wn‡m‡e wPwýZ n‡j Zv †Lvjv I
cwiPvjbvi †¶‡Î G mvK©yjv‡ii 3.6 Aby‡”Q‡`i (1) n‡Z (4) G ewY©Z hveZxq wb‡`©kbv AbymiY Ki‡Z n‡e|

3.9 AvšÍRv© wZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †¶‡Î KiYxq :

†Kv‡bv AvšÍRv© wZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi12 wnmve D”P SyuwKm¤cbœ wn‡m‡e wPwýZ n‡j Zv †Lvjv I
cwiPvjbvi †¶‡Î G mvK©yjv‡ii 3.6 Aby‡”Q‡`i (1) n‡Z (4) G ewY©Z hveZxq wb‡`©kbv AbymiY Ki‡Z n‡e|

3.10 mkix‡i Abycw¯’Z ev `~ieZ©x MÖvn‡Ki (Non-face-to-face customer) †¶‡Î KiYxq :

Avw_©K cÖwZôvb Zv‡`i mkix‡i Abycw¯’Z MÖvnK‡K13 †mev cÖ`v‡bi †¶‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi SyuwK
wbiƒcY Ges SyuwK wbim‡bi bxwZ I c×wZ cÖYqb Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e|

3.11 bZyb †mev ev cÖhyw³ MÖn‡Yi †¶‡Î KiYxq (New Service or Technology) :

Avw_©K cÖwZôvb KZ©…K bZyb †mev, cÖhyw³ wbf©i bZzb †Kv‡bv †mev ev c×wZ (‡hgb- B›Uvi‡b‡Ui gva¨‡g †jb‡`b,
B‡jKUªwbK KvW© BZ¨vw`) cÖPjb ev cÖPwjZ †mev ev c×wZi Dbœq‡bi †¶‡Î D³ †mev ev c×wZi gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb SyuwK wPwýZ Ki‡e, Zvi gvÎv wbiƒcY Ki‡e Ges Giƒc †mev ev c×wZ n‡Z m„ó SyuwK †gvKv‡ejvi Rb¨
h_vh_ e¨e¯’v MÖnY Ki‡e| D‡jøL¨, Av‡jvP¨ e¨e¯’vw` bZybiƒ‡c D™¢vweZ †mev ev c×wZi cÖPjb ev DbœqbK„Z †mev ev
c×wZi cÖPj‡bi c~‡e©B MÖnY Ki‡Z n‡e|

3.12 †MvcbxqZv i¶v :

m‡›`nRbK †jb‡`b ev Kvh©µg mbv³KiY ev wi‡cvU© Kivi mv‡_ mswkøó Kg©KZ©vMY welqwUi K‡Vvi †MvcbxqZv wbwðZ
Ki‡eb| Ab¨_vq welqwU gvwbjÛvwis cÖwZ‡iva AvBb, 2012, aviv 6(3) Gi AvIZvq kvw¯Í‡hvM¨ e‡j we‡ewPZ n‡e|
wewfbœ mg‡q weGdAvBBD KZ©…K hvwPZ ms‡e`bkxj Z‡_¨i h_vh_ †MvcbxqZv wbwðZ Ki‡Z n‡e|

3.13 Ab¨vb¨ wb‡`©kbv :

(1) Avw_©K cÖwZôvb KZ©…K †Kv‡bv MÖvnK‡K Previlege myweav cÖ`vb Kivi †¶‡Î CDD msµvšÍ Ab¨vb¨ wb‡`©kbv
Abymi‡Yi cvkvcvwk MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MÖnY Ki‡Z n‡e;

11
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|

12
AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v ej‡Z Òpersons who are or have been entrusted with a prominent
function by an international organization refers to members of senior management, i.e. directors, deputy
directors and members of the board or equivalent functionsÓ †K eySv‡e|

13
mkix‡i Abycw¯’Z MÖvnK ej‡Z H mKj MÖvnK‡K eySv‡e hviv kvLvq mkix‡i Dcw¯’Z bv n‡q Avw_©K cÖwZôv‡bi G‡R‡›Ui gva¨‡g ev wb‡Ri
†ckv`vi cÖwZwbwai (AvBbRxex, A¨vKvD‡›U›U BZ¨vw`) gva¨‡g wnmve Ly‡j _v‡K Ges cwiPvjbv K‡i _v‡K|

8
(2) †hme †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai AvšÍRv© wZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q
(‡hgb: dvBb¨vwÝqvj A¨vKkb Uv¯‹‡dvm© (FATF) Gi High-Risk Jurisdictions subject to a Call for
Action I Jurisdictions under Increased Monitoring wn‡m‡e ZvwjKvfy³ †`k14) †mme †`‡ki †Kv‡bv
e¨w³ ev mËvi (AvBbMZ cÖwZwbwa, Avw_©K cÖwZôvbmn †h †Kv‡bv cÖwZôvb) mv‡_ e¨emvwqK m¤úK© ¯’vcb I eRvq
ivLv Ges †jb‡`b m¤úv`‡bi †¶‡Î MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MÖnY Ki‡Z n‡e|

4| SyuwKwfwËK e¨e¯’v AbymiY (Risk-Based Approach) :

weGdAvBBD KZ©…K Bm¨yK„Z Money Laundering and Terrorist Financing Risk Assessment
Guidelines for Financial Institutions Gi wb‡`©kbv Abymv‡i GKwU wbw`©ó mgq AšÍi AšÍi cÖwZwU Avw_©K
cÖwZôvb Dnvi e¨emv‡qi cÖK„wZ, MÖvnK, cY¨ ev †mev, †`k ev †fŠ‡MvwjK Ae¯’vb BZ¨vw` we‡ePbvµ‡g gvwbjÛvwis I
mš¿vmx Kv‡h© A_©vqb msµvšÍ wbR¯^ SyuwK wbiƒcY Ki‡e Ges Zv weGdAvBBD KZ©…K Vetting c~e©K SyuwK †gvKv‡ejvi
Rb¨ h_vh_fv‡e e¨envi Ki‡e| GQvovI RvZxq ch©v‡q ev Avw_©K cÖwZôvb Lv‡Zi mv‡_ mvgÄm¨c~Y© Ges wbiƒwcZ SyuwKi
Av‡jv‡K, cÖ‡hvR¨ wWD wWwj‡RÝ Kvh©µg MÖnY Ki‡e|

5| ‡jb‡`b cwiex¶Y (Transaction Monitoring) :

‡jb‡`b cwiex¶Y m‡›`nRbK †jb‡`b mbv³Ki‡Yi GKwU ¸iæZ¡c~Y© Dcvq weavq cÖwZwU Avw_©K cÖwZôvb‡K AZ¨šÍ
m‡PZbZv I mZK©Zvi mv‡_ MÖvn‡Ki †jb‡`bmg~n Z`viwK Ki‡Z n‡e| †jb‡`b cwiex¶Y Gi †¶‡Î wb‡¤œv³ welq¸‡jv
we‡ePbv Ki‡Z n‡e :

(1) cÖwZwU Avw_©K cÖwZôvb MÖvn‡Ki †jb‡`b wbqwgZ g¨vby‡qj Ges/A_ev A‡Uv‡g‡UW Dcv‡q gwbUi Ki‡e;

(2) mKj RwUj, A¯^vfvweK Ges AvcvZ`„wó‡Z †h mKj †jb‡`‡bi †Kv‡bv Avw_©K ev `„wóMÖvn¨ •ea D‡Ïk¨ †bB Giƒc
†jb‡`b AwaKZi ¸iæZ¡ mnKv‡i gwbUi Ki‡Z n‡e; GQvovI m‡›`nRbK †jb‡`b/Kvh©µg kbv³Ki‡Yi wbwgË
weGdAvBBD KZ©…K RvixK…Z Guidance on Reporting Suspicious Transaction for the Reporting
Organization G ewY©Z wb‡`©kKmg~n we‡eP¨ n‡e;

(3) †jb‡`b cwiex¶Y Gi †¶‡Î cÖwZôvbmg~n gvwbjÛvwis cÖwZ‡iva AvBb, 2012, aviv 2(d)(C) G ewY©Z Kvh©µg
(Structuring) msMwVZ n‡”Q wKbv Zv mbv³Ki‡Y m‡Pó _vK‡e Ges cÖ‡hvR¨ †¶‡Î, G mvK©yjv‡i ewY©Z Aby‡”Q`
7 Gi wb‡`©kbv Abymv‡i weGdAvBBD †Z m‡›`nRbK †jb‡`b cÖwZ‡e`b `vwLj Ki‡e;

(4) †jb‡`b cwiex¶Y Gi †¶‡Î mKj cÖKvi B‡jKUªwbK Dcv‡q msNwUZ †jb‡`bmg~nI we‡ePbv Ki‡Z n‡e; Ges

(5) RvwZms‡Ni wbivcËv cwil‡`i mswkøó †iRy‡jkb Ges †hme †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai
AvšÍRv© wZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q G msµvšÍ welqvewj we‡ePbvq wb‡Z n‡e|

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

weGdAvBBD eive‡i bM` †jb‡`b cÖwZ‡e`b `vwLj Kivi †¶‡Î Avw_©K cÖwZôvbmg~n wb‡¤œv³ welqvewj AbymiY Ki‡e :

(1) cÖwZwU Avw_©K cÖwZôvb c~e©eZ©x gv‡mi •`bw›`b †jb‡`b cix¶v 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‡bi bM` Rgv ev
D‡Ëvjb) cwigvY hw` 10(`k) j¶ UvKv ev Z`~aŸ© A‡_©i nq Z‡e Zv ¯^ ¯^ †K›`ªxq cwicvjb BDwbU Gi gva¨‡g

14
https://www.fatf-gafi.org/en/countries/black-and-grey-lists.html

9
 gvwmK wfwˇZ weGdAvBBD eive‡i bM` †jb‡`b wi‡cvU© wn‡m‡e `vwLj Ki‡e| G‡¶‡Î bM` †jb‡`b ej‡Z
Avw_©K cÖwZôv‡bi e¨vsK wnmv‡e Avw_©K cÖwZôv‡b cwiPvwjZ wnmv‡ei AbyK~‡j Zv‡`i MÖvnK ev Z„Zxq c¶ KZ©…K
m¤úvw`Z bM` †jb‡`b‡K †evSv‡e |

(2) cÖwZ gv‡mi bM` †jb‡`b wi‡cvU© cieZ©x gv‡mi 21 Zvwi‡Li g‡a¨ goAML web e¨envi K‡i goAML
Manual15 Gi wb‡`©kbv †gvZv‡eK `vwLj Ki‡Z n‡e;

(3) Avw_©K cÖwZôv‡bi †Kv‡bv kvLvq Giƒc †Kv‡bv †jb‡`b msNwUZ bv n‡j kvLv n‡Z ÒbM` †jb‡`b cÖwZ‡e`b
`vwLj‡hvM¨ †Kv‡bv †jb‡`b †bBÓ g‡g© †K›`ªxq cwicvjb BDwbU-‡K AewnZ Ki‡Z n‡e| ÒbM` †jb‡`b cÖwZ‡e`bÓ
`vwL‡ji mgq †K›`ªxq cwicvjb BDwbU GmKj kvLvi GKwU ZvwjKv "goAML Message BoardÓ Gi gva¨‡g
weGdAvBBD‡K AewnZ Ki‡e;

(4) kvLv n‡Z bM` †jb‡`b cÖwZ‡e`b `vwLj Kivi c~‡e© †jb‡`bmg~n ch©v‡jvPbv K‡i †Kv‡bv m‡›`nRbK †jb‡`b
msNwUZ n‡q‡Q wKbv Zv wPwýZ Ki‡Z n‡e I m‡›`nRbK †jb‡`b cwijw¶Z n‡j c„_Kfv‡e Òm‡›`nRbK †jb‡`b
cÖwZ‡e`bÓ wn‡m‡e †K›`ªxq cwicvjb BDwbU eivei `vwLj Ki‡Z n‡e| m‡›`nRbK †jb‡`b cwijw¶Z bv n‡j bM`
†jb‡`b cÖwZ‡e`‡bi mv‡_ Òm‡›`nRbK †jb‡`b cvIqv hvqwb Ó g‡g© †K›`ªxq cwicvjb BDwbU‡K AewnZ Ki‡Z
n‡e;

(5) cÖ‡Z¨K Avw_©K cÖwZôvb kvLvi bM` †jb‡`b cÖwZ‡e`b gvwmK wfwˇZ mswkøó kvLvq msi¶Y Ki‡Z n‡e| Z‡e
†Kv‡bv Avw_©K cÖwZôvb KZ©…K G msµvšÍ Z_¨ †K›`ªxqfv‡e msi¶Y Kiv n‡j, we‡kl cÖ‡qvR‡b (‡jb‡`b cwiex¶Y
ev wbqš¿YKvix KZ©…c‡¶i wbKU `vwLj BZ¨vw`) Zv‡Z kvLvi cÖ‡ekvwaKvi _vK‡Z n‡e| G msµvšÍ Z_¨vw`
weGdAvBBD G `vwL‡ji gvm n‡Z Kgc‡¶ 5(cuvP) eQi msi¶Y Ki‡e;

(6) †hme Avw_©K cÖwZôvb †K›`ªxqfv‡e `vwLj‡hvM¨ bM` †jb‡`b AvniY K‡i, †m‡¶‡Î †K›`ªxq cwicvjb BDwbU Avw_©K
cÖwZôv‡bi `vwLj‡hvM¨ mKj bM` †jb‡`b ch©v‡jvPbv K‡i †Kv‡bv m‡›`nRbK †jb‡`b msNwUZ n‡q‡Q wKbv Zv
wPwýZ Ki‡e I m‡›`nRbK †jb‡`b cwijw¶Z n‡j c„_Kfv‡e Òm‡›`nRbK †jb‡`b cÖwZ‡e`bÓ wn‡m‡e
weGdAvBBD eivei `vwLj Ki‡e| m‡›`nRbK †jb‡`b cwijw¶Z bv n‡j Òm‡›`nRbK †jb‡`b cvIqv hvqwb Ó
g‡g© cÖZ¨qb cÎ gvwmK ÒbM` †jb‡`b cÖwZ‡e`bÓ `vwL‡ji mgq goAML Message Board Gi gva¨‡g
weGdAvBBD‡K AewnZ Ki‡e; Ges

(7) miKvwi wnmve (wewfbœ gš¿Yvjq, ¯’vbxq miKvi I miKvwi wewfbœ wefvM), miKvwi gvwjKvbvaxb cÖwZôvb, Avav-
miKvwi ev ¯^vqËkvwmZ cÖwZôv‡bi wnmv‡e bM` Rgvi †¶‡Î bM` †jb‡`b cÖwZ‡e`b `vwLj Kivi cÖ‡qvRb n‡e bv,
Z‡e bM` D‡Ëvj‡bi †¶‡Î h_vwbq‡g bM` †jb‡`b cÖwZ‡e`b `vwLj Ki‡Z n‡e|

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

weGdAvBBD eive‡i m‡›`nRbK †jb‡`b cÖwZ‡e`b `vwLj Kivi †¶‡Î Avw_©K cÖwZôvbmg~n wb‡¤œv³ welqvewj AbymiY
Ki‡e :

(1) gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 25(1)(N) aviv Ges mš¿vm we‡ivax AvBb, 2009 Gi 16(1) avivq ewY©Z
weavb ev¯Íevq‡bi wbwgË Avw_©K cÖwZôv‡bi mKj Kg©KZ©v MÖvn‡Ki •`bw›`b †jb‡`b ev Kvh©µ‡gi m‡›`nRbK
†jb‡`b mbv³Ki‡Y m‡PZb I mZK© _vK‡eb;

15
https://www.bb.org.bd/en/index.php/services/eservices I‡qewjsK n‡Z goAML mswkøó cÖ‡qvRbxq Document WvDb‡jvW
Kiv hv‡e|

10
(2) m‡›`nRbK †jb‡`b mbv³Ki‡Y Avw_©K cÖwZôv‡bi Kg©KZ©vMY gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 2(h) aviv
Ges mš¿vm we‡ivax AvBb, 2009 Gi 2(16) avivq ewY©Z msÁv we‡ePbv Ki‡eb;

(3) Avw_©K cÖwZôv‡bi 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‡eb Ges ch©‡e¶Ymg~n wek`fv‡e wjwce×
Ki‡eb| ewY©Z †jb‡`b ev Kvh©µgwU m‡›`nRbK wn‡m‡e we‡ewPZ n‡j Zv Awej‡¤^ cÖ‡qvRbxq `wjjvw`mn †K›`ªxq
cwicvjb BDwb‡U †cÖiY Ki‡Z n‡e;

(4) †K›`ªxq cwicvjb BDwbU kvLv n‡Z cÖvß m‡›`nRbK †jb‡`b ev Kvh©µgwU h_vh_fv‡e I cÖ‡qvRbxq Z_¨-DcvË ev
`wjjvw` mwbœ‡ewkZ K‡i `vwLj Kiv n‡q‡Q wKbv Zv ch©v‡jvPbvc~e©K Awej‡¤^ goAML web e¨envi K‡i Ges
goAML Manual Gi wb‡`©kbv Abymv‡i weGdAvBBD eivei m‡›`nRbK †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 †K›`ªxq cwicvjb BDwbU 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 weGdAvBBD eivei
`vwLj Ki‡Z n‡e; Ges

(6) Avw_©K cÖwZôvbmg~n m‡›`nRbK †jb‡`b cÖwZ‡e`b Gi Z_¨vw` weGdAvBBD KZ©…K cieZ©x wb‡`©kbv bv †`qv ch©šÍ
msi¶Y Ki‡e|

8| ‡mj&d A¨v‡mm‡g›U I BwÛ‡c‡Û›U †Uw÷s :

8.1 kvLvmg~‡ni KiYxq :

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a GKwU Kvh©Ki e¨e¯’v cÖwZôvi j‡¶¨ Avw_©K cÖwZôv‡bi Af¨šÍixY wbix¶v
wefv‡Mi gva¨‡g kvLvmg~n n‡Z cÖvß ‡mj&d A¨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 wefvMwU‡Z Giƒc ch©vß †jvKej wbwðZ Ki‡Z n‡e hv‡`i gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡`©kbv Ges G welqK Avw_©K cÖwZôv‡bi wbR¯^ bxwZgvjv
m¤ú‡K© mg¨K Ávb i‡q‡Q|
(1) cÖwZwU kvLv KZ©…K ‡mj&d A¨v‡mm‡g›U Gi Rb¨ wba©vwiZ †PKwj÷ (cwiwkó 'M') Gi Dci wfwË K‡i lvY¥vwmK
wfwˇZ wb‡R‡`i kvLvi g~j¨vqb Ki‡Z n‡e;

(2) Av‡jvP¨ g~j¨vqb cÖwZ‡e`b P~ovšÍ Kivi c~‡e© kvLv e¨e¯’vc‡Ki mfvcwZ‡Z¡ kvLvi mswkøó Kg©KZ©v‡`i wb‡q mfv
Ki‡Z n‡e| D³ mfvq kvLv g~j¨vqb cÖwZ‡e`‡bi Lmovi Dci Av‡jvPbv Ki‡Z n‡e, wPwýZ mgm¨v kvLv ch©v‡q
mgvavb Kiv m¤¢eci bv n‡j kvLv KZ©…K Awej‡¤^ e¨e¯’v MÖnYc~e©K P~ovšÍ Ki‡Z n‡e Ges P~ovšÍ cÖwZ‡e`‡b mycvwik
wjwce× Ki‡Z n‡e| gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK cieZ©x •ÎgvwmK mfv¸‡jv‡Z GZ`&mswkøó
wel‡qi AMÖMwZ wb‡q Av‡jvPbv Ki‡Z n‡e; Ges

(3) cÖwZwU lvY¥vwmKKvj mgvß nIqvi cieZ©x gv‡mi 15 Zvwi‡Li g‡a¨ ‡mj&d A¨v‡mm‡g›U msµvšÍ cÖwZ‡e`b, G wel‡q
kvLv KZ©…K M„nxZ/M„nxZe¨ Kvh©µ‡gi weeiY I mycvwikmn cÖavb Kvh©vj‡qi Af¨šÍixY wbix¶v wefvM I †K›`ªxq
cwicvjb BDwb‡U †cÖiY Ki‡Z n‡e

11
8.2 Af¨šÍixY wbix¶v wefv‡Mi KiYxq :

(1) Af¨šÍixY wbix¶v wefvM KZ©…K kvLvmg~n n‡Z cÖvß ‡mj&d A¨v‡mm‡g›U msµvšÍ cÖwZ‡e`b hvPvB K‡i †Kv‡bv kvLvq
†Kv‡bv SyuwKc~Y© welq cwijw¶Z n‡j Zvr¶wYKfv‡e kvLvwU cwi`k©‡bi e¨e¯’v Ki‡Z n‡e Ges welqwU †K›`ªxq
cwicvjb BDwbU‡K AewnZ Ki‡Z n‡e;

(2) Af¨šÍixY wbix¶v wefvM Zv‡`i wbR¯^ Ges wbqwgZ evwl©K cwi`k©b/wbix¶v Kg©m~wP Abymv‡i wewfbœ kvLvi
cwi`k©b/wbix¶v Kvh©µg m¤úv`bKv‡j BwÛ‡c‡Û›U †Uw÷s cÖwmwWDi Gi wba©vwiZ †PKwj÷ (cwiwkó ÒNÓ) -Gi
wfwˇZ mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg mswkøó welqvw` cix¶v Ki‡e I kvLvi
†iwUs wba©viYc~e©K mswkøó kvLvi cÖwZ‡e`b cÖYqb Ki‡e| GQvov, wbqwgZ evwl©K cwi`k©b/wbix¶v Kg©m~wPi AwZwi³
Kgc‡¶ 10% kvLvq c„_K cwi`k©b Kg©m~wPi AvIZvq BwÛ‡c‡Û›U †Uw÷s cÖwmwWDi Gi wba©vwiZ †PKwj÷
(cwiwkó ÒNÓ) -Gi wfwˇZ mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg msµvšÍ cwicvjbxq
welqvw` cix¶v Ki‡e I kvLvi †iwUs wba©viYc~e©K cÖwZ‡e`b cÖYqb Ki‡e; Ges

(3) Af¨šÍixY wbix¶v wefvM cwi`wk©Z/wbixw¶Z kvLvmg~‡ni †iwUs m¤^wjZ cÖwZ‡e`‡bi Kwc Avw_©K cÖwZôv‡bi †K›`ªxq
cwicvjb BDwbU eive‡i †cÖiY Ki‡e|

8.3 †K›`ªxq cwicvjb BDwb‡Ui KiYxq :

(1) †K›`ªxq cwicvjb BDwbU kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b Ges Avw_©K cÖwZôv‡bi Af¨šÍixY wbix¶v
wefvM KZ©…K `vwLjK„Z cwi`k©b/wbix¶v cÖwZ‡e`‡bi Dci wfwË K‡i we‡eP¨ lvb¥vwm‡K cwi`wk©Z kvLvmg~‡ni
†PKwj÷ wfwËK g~j¨vqb cÖwZ‡e`b cÖ¯yZ Í Ki‡e| D³ cÖwZ‡e`‡b Ab¨vb¨ wel‡qi mv‡_ Avewk¨Kfv‡e wb‡¤œi
welqmg~n AšÍfy³
© _vK‡e :
(K) †gvU kvLvi msL¨v Ges kvLv n‡Z cÖvß †gvU ‡mj&d A¨v‡mm‡g›U wi‡cv‡U©i msL¨v;
(L) wi‡cvU©Kv‡j Af¨šÍixY wbix¶v wefvM KZ©…K cwi`wk©Z/wbixw¶Z kvLvi msL¨v Ges kvLvmg~‡ni Ae¯’v
(kvLvIqvix cÖvß b¤^i);
(M) cÖvß ‡mj&d A¨v‡mm‡g›U wi‡cv‡U© AwaK msL¨K kvLvq GKB ai‡bi †h mKj Awbq‡gi welq D‡jøL i‡q‡Q Zv
D‡jøLc~e©K H mKj Awbqg †iv‡a †K›`ªxq cwicvjb BDwbU KZ©…K M„nxZ e¨e¯’v;
(N) Af¨šÍixY wbix¶v wefvM KZ©…K `vwLjK„Z cÖwZ‡e`‡b DwjøwLZ mvaviY I we‡kl Awbqgmg~n Ges H mKj
Awbqg †iv‡a †K›`ªxq cwicvjb BDwbU KZ©…K M„nxZ e¨e¯’v; Ges
(O) cÖvß wi‡cv‡U© ÒAm‡šÍvlRbKÓ I ÒcÖvwšÍKÓ wn‡m‡e g~j¨vwqZ kvLvmg~‡ni cwicvjb wbwðZKiZ †iwUs
DbœqbK‡í M„nxZ e¨e¯’v |
Av‡jvP¨ cÖwZ‡e`bwU 1.3(6) G DwjøwLZ cÖwZ‡e`‡b AšÍfy³
© n‡e |

(2) kvLvmg~n n‡Z cÖvß kvLv g~j¨vqb cÖwZ‡e`b hvPvB K‡i †Kv‡bv kvLvq SyuwKc~Y© welq cwijw¶Z n‡j Zvr¶wYKfv‡e
kvLvwU Af¨šÍixY wbix¶v wefv‡Mi gva¨‡g cwi`k©‡bi e¨e¯’v Ki‡Z n‡e Ges welqwU Dchy³ KZ©…c‡¶i bR‡i Avb‡Z
n‡e |

9| 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) :

RvwZms‡Ni wbivcËv cwil‡`i mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vqb msµvšÍ †iRy‡jkbmg~‡ni
ev¯Íevq‡bi Rb¨ wb‡¤œv³ c`‡¶c MÖnY Ki‡e :
(1) cÖ‡Z¨K Avw_©K cÖwZôvb cwiPvjbv cl©‡`i Aby‡gv`bµ‡g mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i
A_©vqb msµvšÍ †jb‡`b cÖwZ‡iva I mbv³ Kivi j‡¶¨ GKwU c×wZ cÖwZôv Ki‡e, cÖwZôv‡bi Kg©KZ©v‡`i `vq-

12
 `vwqZ¡ m¤úwK©Z wb‡`©kbv Rvwi Ki‡e, mgq mgq Zv ch©v‡jvPbv Ki‡e Ges weGdAvBBD KZ©…K RvixK„Z wb‡`©kbv
h_vh_fv‡e cwicvjb Kiv n‡”Q wKbv Zv wbwðZ Ki‡e;

(2) mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vqb m¤úwK©Z msev` MYgva¨‡g cÖKvk nevi mv‡_ mv‡_ D³
Kg©Kv‡Ûi mv‡_ RwoZ †Kv‡bv e¨w³ ev mËvi †Kv‡bv wnmve cwiPvwjZ n‡q _vK‡j G welqK we¯ÍvwiZ Z_¨ mswkøó
Avw_©K cÖwZôvb KZ©…K Awej‡¤^ weGdAvBBD eive‡i †cÖiY Ki‡Z n‡e;

(3) cÖwZwU Avw_©K cÖwZôvb RvwZms‡Ni wbivcËv cwil‡`i 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 msi¶Y Ki‡e| RvwZms‡Ni
wbivcËv cwil‡`i wewfbœ †iRy‡jk‡bi AvIZvq ZvwjKvfy³ e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©…K ZvwjKvfy³
†Kv‡bv e¨w³ ev wbwl× †NvwlZ mËvi msÁv G mvK©yjv‡ii 2(2) Aby‡”Q‡` cÖ`vb Kiv n‡q‡Q;

(4) cÖwZwU Avw_©K cÖwZôvb RvwZms‡Ni wbivcËv cwil‡`i †Kv‡bv †iRy‡jk‡bi AvIZvq ev evsjv‡`k miKvi KZ©…K
ZvwjKvfy³ ev wbwl× †NvwlZ †Kv‡bv e¨w³ ev mËvi bv‡g A_ev cÖZ¨¶ ev c‡iv¶fv‡e Zv‡`i wbqš¿Yvaxb A_ev
†Kv‡bv mn‡hvMx e¨w³ ev mËvi bv‡g wnmve (AvgvbZ/FY) i‡q‡Q wKbv ev †Kv‡bv †jb‡`b msNwUZ n‡q‡Q wKbv Zv
wPwýZ Kivi Rb¨ wbqwgZ †jb‡`b Z`viwK Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e I False Positive16
msµvšÍ Z_¨ msi¶Y Ki‡e| ZvwjKvfy³ ev wbwl× †NvwlZ †Kv‡bv e¨w³ ev mËv A_ev cÖZ¨¶ ev c‡iv¶fv‡e Zv‡`i
wbqš¿Yvaxb A_ev †Kv‡bv mn‡hvMx e¨w³ ev mËvi †Kv‡bv wnmve (AvgvbZ/FY) ev †jb‡`b17 wPwýZ nIqvi mv‡_
mv‡_ mswkøó Avw_©K cÖwZôvb D³ wnmv‡ei †jb‡`b ¯’wMZ K‡i cieZ©x Kg© w`e‡mi g‡a¨ G welqK we¯ÍvwiZ Z_¨
weGdAvBBD‡K AewnZ Ki‡e; Ges

(5) RvwZms‡Ni wbivcËv cwil` KZ©…K M„nxZ †iRy‡jkb 1373 (2001) Gi AvIZvq we‡`wk miKvi ev we‡`wk
GdAvBBD Gi Aby‡iv‡a weGdAvBBD n‡Z †cÖwiZ ev D³ †iRy‡jk‡bi AvIZvq evsjv‡`k miKvi KZ©…K
ZvwjKvfy³ ev wbwl× †NvwlZ †Kv‡bv e¨w³ ev mËvi mv‡_ wnmve (AvgvbZ/FY) ev Ab¨ †Kv‡bv m¤úK© i‡q‡Q wKbv
Zv wPwýZ Kivi Rb¨ Avw_©K cÖwZôvbmg~n wbqwgZ †jb‡`b gwbUi Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e|
ZvwjKvfy³ ev wbwl× †NvwlZ †Kv‡bv e¨w³ ev mËvi †Kv‡bv wnmve (AvgvbZ/FY) wPwýZ nIqvi mv‡_ mv‡_ mswkøó
Avw_©K cÖwZôvb D³ wnmv‡ei †jb‡`b ¯’wMZ K‡i cieZ©x Kg© w`e‡mi g‡a¨ we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ
Ki‡e|

10| wb‡qvM I cÖwk¶Y :

10.1 wb‡qvM :

gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vq‡bi SyuwK wbim‡bi j‡¶¨ Kg©KZ©v/Kg©Pvix
wb‡qv‡Mi †¶‡Î Avw_©K cÖwZôvbmg~n wb‡¤œv³ welqvewj we‡ePbv Ki‡e :

(1) wb‡qvM cÖwµqvq h_vh_ hvPvB cÖwµqv (Screening Mechanism) AbymiY Ki‡e; Ges

(2) †K›`ªxq cwicvjb BDwb‡U Dchy³ msL¨K mg¨K wel‡q `¶ Kg©KZ©v c`vqb Ki‡e|

16
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.

17
Avw_©K wnmve ev †jb‡`b wPwýZ Kivi †¶‡Î Avw_©K cÖwZôvb KZ©…K cÖ`Ë mKj cÖKvi †mev cÖ`vb we‡eP¨ n‡e|

13
10.2 cÖwk¶Y-Avw_©K cÖwZôv‡bi Kg©KZ©v :

gvwbwjÛvwis, 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‡¶¨ Avw_©K cÖwZôvbmg~n wb‡¤œv³ c`‡¶c MÖnY Ki‡e :
(1) mKj Kg©KZ©v‡`i gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva mswkøó
wel‡q Dchy³ cÖwk¶Y18 cÖ`v‡bi e¨e¯’v Ki‡e ;
(2) cÖavb Ges DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v I mswkøó Ab¨vb¨ Kg©KZ©vM‡Yi Kg©`¶Zv e„w×i Rb¨
Dchy³ cÖwk¶Y cÖ`vb Ges/A_ev †ckvMZ mb` AR©‡bi e¨e¯’v Ki‡Z n‡e; Ges
(3) cÖwk¶Y msµvšÍ Z_¨ I `wjjvw` msi¶Y Ki‡e|

10.3 wk¶Y-Avw_©K cÖwZôv‡bi MÖvnK :

gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva wel‡q MÖvnK‡`i m‡PZbZv e„w×i
j‡¶¨ Avw_©K cÖwZôvbmg~n wb‡¤œv³ c`‡¶cmg~n MÖnY Ki‡e :
(1) Avw_©K cÖwZôvb Zv‡`i MÖvnK‡`i wnmve †Lvjvi cÖv°v‡j hvwPZ wewfbœ Z_¨ mwbœ‡ek I `wjjvw` `vwL‡ji †hŠw³KZvi
wel‡q MÖvnK‡K AewnZ Ki‡e Ges gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb
cÖwZ‡iva wel‡q MÖvnK‡`i m‡PZbZv e„w×i j‡¶¨ mgq mgq wjd‡jU weZiY Ges cÖwZwU kvLvi `„k¨gvb ¯’v‡b G
welqK †cv÷vi ¯’vc‡bi e¨e¯’v Ki‡e; Ges
(2) GQvovI gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a wewfbœ MYgva¨g, mvgvwRK †hvMv‡hvM gva¨gmn Ab¨vb¨
gva¨‡g G welqK m‡PZbZvg~jK weÁvcb, Z_¨wPÎ BZ¨vw` cÖPv‡ii e¨e¯’v Ki‡e|

11| †iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msi¶Y :

(1) MÖvn‡Ki wnmve (AvgvbZ/FY) msµvšÍ mKj cÖ‡qvRbxq Z_¨ ev `wjjvw` wnmve/e¨emvwqK m¤úK© eÜ nIqvi ZvwiL
n‡Z Ab¨~b 5(cuvP) eQi ch©šÍ msi¶Y Ki‡Z n‡e;
(2) MÖvn‡Ki KYC mn CDD cÖwµqv m¤úv`bKv‡j msM„nxZ mKj Z_¨ I `wjjvw`, wnmve (AvgvbZ/FY) msµvšÍ
`wjjvw`, e¨emvwqK cÎ †hvMv‡hvM Ges †Kvb MÖvn‡Ki wel‡q †Kvb cÖwZ‡e`b cÖYxZ n‡j G mKj Z_¨vw`/`wjjvw`
MÖvn‡Ki wnmve/AvgvbZ/FY eÜ nIqvi ZvwiL n‡Z Ab¨~b 5 (cuvP) eQi ch©šÍ msi¶Y Ki‡Z n‡e|
(3) msiw¶Z Z_¨vw` Aciva Kvh©µ‡gi wePvwiK cÖwµqvq `vwjwjK cÖgvY wn‡m‡e Dc¯’vcb Kivi †¶‡Î h‡_ó n‡Z n‡e|
(4) MÖvn‡Ki KYC mn CDD cÖwµqv m¤úv`bKv‡j M„nxZ mKj Z_¨ I `wjjvw` Ges †jb‡`b msµvšÍ Z_¨ I `wjjvw`
weGdAvBBD ev h_vh_ Av`vj‡Zi Av‡`‡k mswkøó †Kv‡bv Z`šÍKvix ms¯’vi Pvwn`v ev wb‡`©kbv †gvZv‡eK mieivn
Ki‡e|
(5) cÖ‡hvR¨ †¶‡Î AbymÜvb ev Z`šÍ mswkøó wnmve ev †jb‡`‡bi Z_¨ I `wjjvw` gvgjv P~ovšÍ wb®úwË bv nIqv ch©šÍ
msi¶Y Ki‡Z n‡e|

18
Dchy³ cÖwk¶Y ej‡Z wewfbœ ¯Í‡ii Ges wewfbœ wefv‡Mi Kg©KZ©v‡`i Rb¨ wewfbœ ai‡Yi (Target Oriented) cÖwk¶Y Ges GKwU wbw`©ó
mgq AšÍi AšÍi Refresher Training †K eySv‡e|

14
12| Ab¨vb¨ :

(1) wb¤œewY©Z mvK©yjvi I mvK©yjvi †jUvi e¨ZxZ B‡Zvc~‡e© weGdAvBBD KZ©…K 29/06/2015 Zvwi‡L RvixK„Z
weGdAvBBD mvK©yjvi bs-12 G ewY©Z mKj wb‡`©kbv G mvK©yjvi Øviv cÖwZ¯’vwcZ e‡j MY¨ n‡e;
mvK©yjvi/mvK©yjvi †jUvi bs Rvwii ZvwiL welq
GGgGj mvK©yjvi bs-22 21 GwcÖj, 2009 mš¿vm we‡ivax AvBb, 2009 Rvwi cÖm‡½ |
weGdAvBBD mvK©yjvi ‡jUvi-01 30 Rvbyqvwi, 2012 weGdAvBBD bvgKiY cÖm‡½|
weGdAvBBD mvK©yjvi bs- 02 15 gvP©, 2012 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I mš¿vm we‡ivax
(ms‡kvab) AvBb, 2012 Rvwi cÖm‡½ |
weGdAvBBD mvK©yjvi bs- 04 16 †m‡Þ¤^i, Avw_©K cÖwZôv‡bi Rb¨ Guidance Notes on
2012 Prevention of Money Laundering and
Terrorist Financing RvixKiY cÖms‡M |
weGdAvBBD mvK©yjvi bs- 07 14 RyjvB, 2013 mš¿vm we‡ivax (ms‡kvab) AvBb, 2013 Rvwi cÖm‡½|

weGdAvBBD mvK©yjvi †jUvi- 09 GwcÖj, 2015 gvwbjÛvwis cÖwZ‡iva wewagvjv, 2013 Ges mš¿vm
03/2015 we‡ivax wewagvjv, 2013 Rvwi cÖm‡½ |

(2) GZ`&mswkøó Kvh©µg cwiPvjbvKv‡j mswkøó me c¶‡K Avewk¨Kfv‡e evsjv‡`k e¨vsK KZ©…K Bm¨yK„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 mvK©yjv‡ii wb‡`©kbvmg~n Awej‡¤^ Kvh©Ki n‡e|

Avcbv‡`i wek¦¯,Í
ms‡hvRbx : eY©bv †gvZv‡eK (10 c„ôv)|

(†gvt iwdKzj Bmjvg)

cwiPvjK (weGdAvBBD)
‡dvb: 9530170

cÖwZwjwc bs-weGdAvBBD(cwjwm)-03/2023- 1192 ZvwiL t DwjøwLZ

AeMwZ I cÖ‡qvRbxq e¨e¯’v MÖn‡Yi Rb¨ cÖwZwjwc †cÖiY Kiv n‡jv (‡R¨ôZvi µgvbymv‡i bq)t
1. Mfb©i g‡nv`‡qi e¨w³MZ Kg©KZ©v, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
2. †WcywU Mfb©i g‡nv`qM‡Yi e¨w³MZ Kg©KZ©v, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
3. wPd B‡Kvbwg÷/wbe©vnx cwiPvjK g‡nv`qM‡Yi e¨w³MZ Kg©KZ©v, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
4. wbev©nx cwiPvjK/ cwiPvjK, evsjv‡`k e¨vsK, gwZwSj, XvKv/PÆMÖvg/ivRkvnx/Lyjbv/e¸ov/wm‡jU/ewikvj/iscyi/gqgbwmsn/ m`iNvU,XvKv|
5. wbe©vnx cwiPvjK, evsjv‡`k e¨vsK ‡Uªwbs GKv‡Wwg, wgicyi-2, XvKv|
6. mKj wefvMxq cÖavb, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|
7. gnvcwiPvjK, evsjv‡`k Bbw÷wUDU Ae e¨vsK g¨v‡bR‡g›U, wgicyi-2, XvKv|
8. †Pqvig¨vb, evsjv‡`k wjwRs GÛ dvBb¨vÝ ‡Kv¤úvbxR G‡mvwm‡qkb, (weGjGdwmG), mviv UvIqvi, 11/G U‡qbwe mvK©yjvi
†ivW, gwZwSj, XvKv-1000|

(‡gvt Rqbyj Av‡e`xb)

hyM¥cwiPvjK
†dvbt 02-55665001-6/20314

15
 cwiwkó-K

Avw_©K cÖwZôv‡bi bvg

cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© (CAMLCO) m¤úwK©Z Z_¨vw`

bvg evsjvq t
Bs‡iwR‡Z t
c`we
e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx
Kg©KZ©v †_‡K KZ avc wb‡Pi c`
wkÿvMZ †hvM¨Zv
GGgGj/wmGdwU welqK cÖwkÿY
Rb¥ ZvwiL
RvZxq cwiPqcÎ/cvm‡cvU© b¤^i
wcZvi bvg
gvZvi bvg
wVKvbv eZ©gvb t
¯’vqx t
d¨v· bs
j¨vÛ †dvb bs
‡gvevBj †dvb bs
B-‡gBj

DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© (DCAMLCO) m¤úwK©Z Z_¨vw`

bvg evsjvq t
Bs‡iwR‡Z t
c`we
wkÿvMZ †hvM¨Zv
GGgGj/wmGdwU welqK cÖwkÿY
Rb¥ ZvwiL
RvZxq cwiPqcÎ/cvm‡cvU© b¤^i
wcZvi bvg
gvZvi bvg
wVKvbv eZ©gvb t
¯’vqx t
d¨v· bs
j¨vÛ †dvb bs
‡gvevBj †dvb bs
B-‡gBj

16
 cwiwkó-L

MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form) t

1. wnmv‡ei bvg t

2. wnmv‡ei aib I b¤^i t

3. BDwbK MÖvnK AvBwW †KvW t

4. wnmve cwiPvjbvKvixi bvg t

5. Rb¥ wbeÜb b¤^i......................................d‡UvKwc M„nxZ wKbv? t n¨vuu / bv (cÖ‡hvR¨ †ÿ‡Î)

6. cvm‡cvU© b¤^i ........................................ d‡UvKwc M„nxZ wKbv? t n¨vu / bv (cÖ‡hvR¨ †ÿ‡Î)

7. RvZxq cwiPqcÎ b¤^i .............................. d‡UvKwc M„nxZ wKbv? t n¨vu / bv (cÖ‡hvR¨ †ÿ‡Î)

8. wUAvBGb b¤^i......................................... d‡UvKwc M„nxZ wKbv? t n¨vu / bv (cÖ‡hvR¨ †ÿ‡Î)

8. weAvBGb b¤^i........................................ d‡UvKwc M„nxZ wKbv? t n¨vu / bv (cÖ‡hvR¨ †ÿ‡Î)

9. f¨vU †iwRt b¤^i .................................... d‡UvKwc M„nxZ wKbv? t n¨vu / bv (cÖ‡hvR¨ †ÿ‡Î)

10. WªvBwfs jvB‡mÝ b¤^i ............................. d‡UvKwc M„nxZ wKbv? t n¨vu / bv (cÖ‡hvR¨ †ÿ‡Î)
11. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) m¤úwK©Z Z_¨vw` (‡Kv¤úvwbi †ÿ‡Î 20% ev
Gi AwaK GKK †kqvi‡nvìvi Gi we¯ÍvwiZ Z_¨vw` msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e| GQvovI
†Kv¤úvwbi wbqš¿YKvix †kqvi‡nvìvi Gi we¯ÍvwiZ Z_¨vw` msMÖnc~e©K †KIqvBwm m¤úv`b Ki‡Z n‡e| e¨w³K
wnmv‡ei †ÿ‡Î wnmv‡ei A‡_©i Drm wnmveavix e¨ZxZ Ab¨ †Kv‡bv e¨w³ n‡j †m †ÿ‡Î wnmv‡ei A_©
†hvMvb`vZvi †KIqvBwm m¤úv`b Ki‡Z n‡e) t

.......................................................................................................................
12. cÖ‡`q A‡_©i Drm wK? Znwe‡ji Drm wKfv‡e wbwðZ Kiv n‡q‡Q? (cÖ‡hvR¨ †ÿ‡Î)
....................................................................................................................
13. MÖvn‡Ki †ckvi mv‡_ cÖ‡`q A‡_©i Drm mvgÄm¨c~Y© wKbv ?
MÖvn‡Ki ‡ckvi we¯ÍvwiZ eY©bvc~e©K mvgÄm¨Zv wbwðZ Kiæb t

17
 cwiwkó-L

14. wi¯‹ †MÖwWst D”P wb¤œ

gšÍe¨t

(gšÍe¨ As‡k Subjective we‡ePbvq MÖvn‡Ki SzuwK m¤ú‡K© Avewk¨Kfv‡e gšÍe¨ Ki‡Z n‡e| MÖvn‡Ki SzuwK wbiƒc‡Yi
†ÿ‡Î MÖvn‡Ki †ckvi we¯ÍvwiZ aviYv we‡kølYKiZ e¨emv‡qi †ÿ‡Î e¨emv‡qi cÖK…wZ, A‡_©i gvÎv, e¨emv‡qi GjvKv,
e¨emv‡qi AvKvi, wnmv‡ei cÖK…Z myweav‡fvMx BZ¨vw`mn Ab¨vb¨ we‡kl w`K we‡ePbvq wb‡q MÖvnK‡K D”P ev wb¤œ SzuwK m¤úbœ
wn‡m‡e †kªwYKiY Ki‡Z n‡e| PvKwii †ÿ‡ÎI Abyiƒcfv‡e we¯ÍvwiZ aviYv jvfKiZ we‡kl K‡i PvKwii cÖK…wZ I `vq
`vwq‡Z¡i wbwi‡L SzuwK wbiƒcY Ki‡Z n‡e| MÖvnK D”P SzuwKc~Y© n‡j wbqwgZ Z`viwK Ki‡Z n‡e)

--------------------------------------------------- -----------------------------------------------
wnmve †Lvjvi Kg©KZ©v/wi‡jkbkxc g¨v‡bRv‡ii Aby‡gv`bKvix Kg©KZ©vi bvg, ¯^vÿi (mxjmn)
bvg, ¯^vÿi (mxjmn) I ZvwiLt I ZvwiLt

15. wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv/nvjbvMv` Kivi ZvwiL t

---------------------------------
ch©v‡jvPbv/nvjbvMv`Kvix Kg©KZ©vi
bvg (wmjmn) ¯^vÿi I ZvwiLt

18
 cwiwkó- M

Avw_©K cÖwZôv‡bi bvg

ÑÑÑÑ kvLv|
kvLv KZ©„K Self Assessment c×wZi gva¨‡g wbR¯^ Ae¯’vb wbY©q

cÖwZwU Avw_©K cÖwZôv‡bi 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 cÖwZôv‡bi wbR¯^ gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iva bxwZgvjvi Av‡jv‡K wb¤œewY©Z cÖkgœ vjvi we¯ÍvwiZ DËi cÖ`v‡bi gva¨‡g Self Assessment c×wZ‡Z
wb‡R‡`i Ae¯’vb wbY©q Ki‡e t
cÖkœgvjv hvPvB‡qi gvb`Û kvLvi eZ©gvb M„nxZ Kvh©µg
Ae¯’v ev mycvwik
1. kvLvq †gvU Kg©KZ©vi msL¨v KZ (c`vbyhvqx)? KZRb cÖwkÿY msµvšÍ †iKW©
Kg©KZ©v gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva hvPvB Ki‡Z n‡e|
welqK AvbyôvwbK cÖwkÿY MÖnY K‡i‡Qb ? (kZKiv nvi)

2. K) kvLvi gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v BAMLCO KZ©„K KYC

(BAMLCO) ‡R¨ô I AwfÁ wKbv? Kvh©µ‡gi h_v_©Zv Z`viwK Kiv nq
weMZ `yB eQ‡i wZwb gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© wKbv?
h_vh_fv‡e †jb‡`b cwiex¶Y Ges
A_©vqb cÖwZ‡iva welqK †Kvb cÖwkÿY †c‡q‡Qb wK bv?
m‡›`nRbK †jb‡`b cÖwZ‡e`b
L) kvLvq gvwbjÛvwis cÖwZ‡iva Kvh©µg h_vwbq‡g cwicvwjZ
`vwLj (B›Uvibvj wi‡cvU©mn) Kiv
n‡”Q G welqwU wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw`©ó I
nq wKbv?
MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki cÖwµqvq Z`viwK I
h_vh_fv‡e †iKW© msiÿY Kiv nq
ch©v‡jvPbv K‡i _v‡Kb wKbv? wKbv?
STR mbv³Ki‡Y e¨e¯’v †bqv nq
wKbv?
3. BAMLCO mn kvLvi Kg©KZ©vMY gvwbjÛvwis I mš¿vmx Kv‡h© welqwU hvPvB‡qi c×wZ Kx?
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 bxwZgvjv
m¤ú‡K© AewnZ Av‡Qb wK?
4. kvLv ch©v‡q ‰ÎgvwmK wfwˇZ gvwbjÛvwis I mš¿vmx Kv‡h© mfvi Av‡jvP¨m~wP mK‡ji AeMwZi
A_©vqb cÖwZ‡iva welqK mfv AbywôZ nq wKbv? Rb¨ eÈb Kiv nq wKbv?
mfvq Kx Kx ¸iæZ¡c~Y© wm×všÍ M„nxZ
n‡q‡Q?
mfvq M„nxZ wm×všÍ wKfv‡e
ev¯ÍevwqZ nq?
5. mKj cÖKvi wnmve †Lvjv I †jb‡`b cwiPvjbvi †ÿ‡Î MÖvnK cwiwPwZi h_v_©Zv wKfv‡e
gvwbjÛvwis cÖwZ‡iva AvBb, mš¿vm we‡ivax AvBb Ges mg‡q hvPvB Kiv nq?
mg‡q weGdAvBBD KZ©„K RvixK„Z wb‡`©kbv Abymv‡i MÖvnK wKfv‡e Zv kvLvq msiÿY Kiv
cwiwPwZ m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ? n‡”Q?
KYC m¤úv`bKv‡j MÖvn‡Ki
Znwe‡ji Drm hvPvB Kiv nq wKbv?
wnmv‡ei cÖK…Z myweav‡fvMx

19
 cwiwkó- M

cÖkœgvjv hvPvB‡qi gvb`Û kvLvi eZ©gvb M„nxZ Kvh©µg

Ae¯’v ev mycvwik
(Beneficial Owner) mbv³
Kiv nq wKbv Ges Zv hvPvB Gi
cÖwµqv m‡šÍvlRbK wKbv?
D”P SzuwKwewkó MÖvnK‡`i †ÿ‡Î
SuywKi wbwi‡L AwZwi³ Z_¨
(EDD) msMÖn Kiv nq wKbv?
6. SzuwKi wfwˇZ kvLv Zv‡`i MÖvnK‡`i †kªwYweb¨vm/†kªwYKiY K‡i _vK‡j G ch©šÍ KZwU D”P
K‡i wKbv? SzuwK m¤úbœ wnmve kvLvq †Lvjv
n‡q‡Q?
G ai‡bi wnmve †Lvjv I
cwiPvjbvi †ÿ‡Î kvLv Kx c`‡ÿc
MÖnY K‡i‡Q?
7. weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv Ges cÖwZôv‡bi wbR¯^ G welqK wbR¯^ bxwZgvjv cÖYqb
bxwZgvjv Abyhvqx gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb msµvšÍ Kiv n‡q‡Q wKbv?
SzuwK cÖwZ‡iv‡a h_vh_ e¨e¯’v MÖnY Kiv n‡q‡Q wK bv? n‡j D³ bxwZgvjv kvLvq wKfv‡e
ev¯ÍevwqZ n‡”Q?
8. kvLv MÖvn‡Ki KYC Profile Gi Z_¨ weGdAvBBD KZ©„K Kx c×wZ‡Z Giƒc g~j¨vqb
RvixK…Z wb‡`©kbv ‡gvZv‡eK wbw`©ó mgq ci ci m¤úvw`Z n‡q _v‡K?
cybtg~j¨vqbc~e©K nvjbvMv` K‡i wKbv?

9. mš¿vm we‡ivax AvBb, 2009 Gi Aaxb mš¿vmx Kv‡h© A_©vqb RvwZms‡Ni wbivcËv cwil‡`i
cÖwZ‡iv‡ai j‡ÿ¨ kvLv Kx ai‡bi c`‡ÿc MÖnY K‡i‡Q?
10. G hver kvLv KZ©„K KZ¸‡jv m‡›`nRbK †jb‡`b (STR) kvLvq m‡›`nRbK †jb‡`b wPwýZ
kbv³ Kiv n‡q‡Q?
wewfbœ †iRy‡jk‡bi AvIZvq mš¿vm,
mš¿vmx Kvh© 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 bv‡gi ZvwjKv kvLvq
msiÿY I Z`bymv‡i wnmve I
†jb‡`b Kvh©µg hvPvB Kiv nq
wKbv?
kvLv G welqK wbR¯^ †Kv‡bv
Mechanism AbymiY K‡i wKbv?
Giƒc †Kv‡bv e¨w³ ev mËvi bv‡g
kvLvq cwiPvwjZ wnmv‡ei (hw`
_v‡K) wel‡q weGdAvBBD †K
AewnZ Kiv nq wKbv?
Kivi †Kv‡bv c×wZ AbymiY Kiv
nq wKbv?
kvLvq m‡›`nRbK †jb‡`b `vwL‡ji
Rb¨ Internal Reporting

20
 cwiwkó- M

cÖkœgvjv hvPvB‡qi gvb`Û kvLvi eZ©gvb M„nxZ Kvh©µg

Ae¯’v ev mycvwik
Mechanism Pvjy i‡q‡Q wKbv?
kvLv ch©v‡q wb®cwËK…Z Internal
Report msiÿY Kiv nq wKbv?
11. gvwbjÛvwis cÖwZ‡iva AvBb, mš¿vm we‡ivax AvBb, mvK©yjvi, msiwÿZ n‡q _vK‡j n¨vu A_ev bv
cÖwkÿY †iKW©, weeiYx I Ab¨vb¨ GGgGj/wmGdwU msµvšÍ n‡q _vK‡j bv, AvswkK n‡j Kx Kx
welqvewji Avjv`v bw_ kvLv KZ©„K msiÿY Kiv nq wKbv? msiwÿZ Av‡Q Zv wjLyb|
AvBb, mvKz©jvi BZ¨vw`i Kwc kvLvi mKj
Kg©KZ©v/Kg©Pvix‡`i mieivn Kiv nq wKbv?
12. weGdAvBBD Gi mvKy©jvi Abymv‡i kvLvq PEPs, DËi n¨vu n‡j GB wnmve ‡Lvjv I
cÖfvekvjx e¨w³, AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi cwiPvjbvi †ÿ‡Î Kx Kx ai‡bi
Kg©KZ©vi †Kvb wnmve msiÿY Kiv n‡”Q wKbv? mZK©Zv Aej¤^b Kiv n‡”Q?
13. Avw_©K cÖwZôv‡bi cÖavb Kvh©vjq, evsjv‡`k e¨vsK I bv n‡q _vK‡j cÖwZeÜKZvmg~n Kx
weGdAvBBD-Gi cwi`k©b cÖwZ‡e`‡b D‡jøwLZ gvwbjÛvwis Kx?
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva cwicvjb welqK
`ye©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q wKbv?

kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb kvLv e¨e¯’vc‡Ki

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

21
 cwiwkó-N

Af¨šÍixY wbixÿv wefvM

Avw_©K cÖwZôv‡bi bvg
cÖavb Kvh©vjq

Independent Testing Procedure

kvLv cwi`k©‡bi †PKwj÷

Avw_©K cÖwZôv‡bi 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 cÖwZôv‡bi 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~wPi AvIZvq ïaygvÎ Independent Testing Procedure wfwËK cÖwZ‡e`b cÖYxZ n‡e) gvwbjÛvwis cÖwZ‡iva 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 m¤c~Y©iƒ‡c cwicvwjZ n‡j m¤c~Y© †¯‹vi, AvswkK cwicvj‡b AvswkK †¯‹vi Ges DËi †bwZevPK n‡j
k~b¨ †¯‹vi cÖ`vb Ki‡Z n‡e|)
µwgK cwi`k©b †¶Î cÖkœgvjv hvPvB‡qi gvb`Û †¯‹vi cÖvß gšÍe¨
bs †¯‹vi
1. kvLv cwicvjb 1. kvLvq GKRb AwfÁ I †R¨ô cwicvjb Kg©KZ©v Awdm AWv©i †`Lyb| kvLvi wØZxq 1
BDwbU (BAMLCO) i‡q‡Qb wK? Kg©KZ©v ev AwfÁ ‡Kvb EaŸ©Zb
Kg©KZ©v‡K BAMLCO g‡bvbxZ Kiv
mgxPxb n‡e|
2. weMZ `yB eQ‡i wZwb gvwbjÛvwis cÖwZ‡iva I mvÿvrKvi I bw_c‡Îi wfwˇZ hvPvB 2
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK †Kvb Kiæb|
cÖwkÿ‡Y AskMÖnY K‡i‡Qb wK? 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 MvB‡WÝ †bvUm Ges
cÖwZôv‡bi wbR¯^ gvwbjÛvwis cÖwZ‡iva I
mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv
m¤ú‡K© wZwb h‡_ó AewnZ wK?
3. gvwbjÛvwis cÖwZ‡iva AvBb, mš¿vm we‡ivax BAMLCO KZ©„K Z`viwK I 3
AvBb Ges Gi AvIZvq RvixK…Z cwjwm ch©v‡jvPbvi cÖwµqv hvPvB I Gi
Ges/A_ev wb‡`©kbv h_vwbq‡g cwicvwjZ n‡”Q- h_v_©Zv cixÿvc~e©K g~j¨vqb Kiæb|
G welqwU wbwðZ nIqvi j‡ÿ¨ BAMLCO
wbw`©ó I MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki
cÖwµqvq Z`viwK I ch©v‡jvPbv K‡i _v‡Kb wK?
4. weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv Ges gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb 4
cÖwZôv‡bi wbR¯^ bxwZgvjv Abyhvqx gvwbjÛvwis msµvšÍ SzuwK cÖwZ‡iv‡a kvLvi M„nxZ
I mš¿vmx Kv‡h© A_©vqb msµvšÍ SzuwK cÖwZ‡iv‡a c`‡ÿc g~j¨vqb Kiæb|
h_vh_ e¨e¯’v MÖnY Kiv n‡q‡Q wKbv?

BAMLCO KZ©„K kvLvq cwiPvwjZ D”P BAMLCO KZ©„K D”P SzuywKhy³

SzuywKhy³ wnmvemn mKj wnmv‡ei †jb‡`b wnmvemn mKj wnmv‡ei †jb‡`b
cwiex¶Y ch©vß wK? cwiex¶Y c×wZ hvPvB I Gi h_v_©Zv
cixÿvc~e©K g~j¨vqb Kiæb|
5. weGdAvBBD Gi mvKz©jvi Abymv‡i kvLvq G ai‡bi wnmve ‡Lvjv I cwiPvjbvi 3

22
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PEPs, cÖfvekvjx e¨w³, AvšÍR©vwZK ms¯’vi †ÿ‡Î weGdAvBBD Gi mvKz©jvi

cÖavb ev D”P ch©v‡qi Kg©KZ©vi †Kvb wnmve Abymv‡i mZK©Zv Aej¤^b Kiv n‡”Q
msiÿY Kiv n‡”Q wKbv? wKbv Zv hvPvB Kiæb| Z‡e PEPs,
cÖfvekvjx e¨w³, AvšÍR©vwZK ms¯’vi
cÖavb ev D”P ch©v‡qi Kg©KZ©vi †Kvb
wnmve bv _vK‡jI hw` weGdAvBBD Gi
mvKz©jvi G cÖ`Ë wb‡`©kbv ev¯Íevq‡bi
cÖwµqv we`¨gvb _v‡K Zvn‡j kvLv c~Y©
b¤^i cÖvß n‡e|
6. weGdAvBBD cÖ`Ë †mjd& A¨v‡mm‡g›U kvLv kvLvi †mjd& A¨v‡mm‡g›U wi‡cvU© 6
KZ©„K KZUzKz mwVK I Kvh©Kifv‡e m¤cvw`Z ch©v‡jvPbv Kiæb|
n‡”Q? mwVK I Kvh©Kifv‡e †mjd& A¨v‡mm‡g›U
wi‡cvU© cÖYqb I ev¯Íevq‡bi wfwˇZ
b¤^i cÖ`vb Kiæb|
2. gvwbjÛvwis 1. kvLvq KZRb Kg©KZ©v gvwbjÛvwis cÖwZ‡iva I 100% Kg©KZ©vi cÖwkÿY m¤úbœ n‡j Zv 3
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK m‡šÍvlRbK e‡j we‡ewPZ n‡e|
mš¿vmx Kv‡h© AvbyôvwbK cÖwkÿY MÖnY K‡i‡Qb? cÖwkÿ‡Yi nvi Abymv‡i b¤^i cÖvß n‡e|
A_©vqb cÖwZ‡iva 2. kvLvi Kg©KZ©vMY gvwbjÛvwis I mš¿vmx Kv‡h© kvLvi mswkøó Kg©KZ©v‡`i mvÿvrKv‡ii 4
wel‡q A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wfwˇZ g~j¨vqb Kiæb|
Kg©KZ©v‡`i Ávb wewagvjv, weGdAvBBD KZ©„K mgq mgq
I m‡PZbZv RvixK…Z wb‡`©kbv I MvB‡WÝ †bvUm Ges
e„w× Ges SzuwK cÖwZôv‡bi wbR¯^ gvwbjÛvwis cÖwZ‡iva I
cÖwZ‡iv‡a M„nxZ mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv m¤ú‡K©
e¨e¯’v AewnZ Av‡Qb wK?
3. gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva mfvi Av‡jvP¨m~wP msMÖn I Gi 5
Kvh©µg g~j¨vq‡bi Rb¨ GKwU •ÎgvwmK wfwˇZ Kvh©KvwiZv cixÿv Kiæb|
kvLv e¨e¯’vc‡Ki †bZ…‡Z¡ Kg©KZ©vM‡Yi mfv
Av‡qvRb Kiv nq wKbv?
4. weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv Ges Kx ai‡bi e¨e¯’v MÖnY Kiv n‡q‡Q hvPvB 3
e¨vs‡Ki wbR¯^ bxwZgvjv Abyhvqx gvwbjÛvwis I Kiæb|
mš¿vmx Kv‡h© A_©vqb msµvšÍ SzuwK cÖwZ‡iv‡a
h_vh_ e¨e¯’v MÖnY Kiv n‡q‡Q wKbv?
3. MÖvnK cwiwPwZ 1. mKj cÖKvi wnmve †Lvjv I †jb‡`b cwiPvjbvi cÖ‡Z¨K ai‡bi 4/5 wU wnmv‡ei bgybv 6
(KYC) wbiƒcY †ÿ‡Î gvwbjÛvwis cÖwZ‡iva AvBb, mš¿vm cixÿv Kiæb| wb‡¤œv³ wel‡q
c×wZ we‡ivax AvBb Ges weGdAvBBD KZ©„K mš‘wómv‡c‡ÿ b¤^i cÖ`vb Kiæbt
RvixK„Z mvKz©jv‡ii wb‡`©kbv Abymv‡i MÖvnK MÖvnK cwiwPwZi h_v_©Zv wKfv‡e hvPvB
cwiwPwZ m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ? Kiv nq?
wKfv‡e Zv kvLvq msiÿY Kiv n‡”Q?
KYC m¤úv`bKv‡j MÖvn‡Ki Znwe‡ji
Drm hvPvB Kiv n‡q‡Q wKbv?
wnmv‡ei cÖK…Z myweav‡fvMx
(Beneficial Owner) mbv³ Kiv
n‡q‡Q wKbv Ges Zv hvPvB Gi cÖwµqv
m‡šÍvlRbK wKbv?
D”P SzuwKwewkó MÖvnK‡`i †ÿ‡Î SuywKi
wbwi‡L AwZwi³ Z_¨ (EDD) msMÖn
Kiv nq wKbv?

23
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2. weGdAvBBD KZ©„K RvixK„Z mvKz©jv‡ii weGdAvBBD KZ©„K RvixK„Z mvKz©jv‡ii 6

wb‡`©kbv Abymv‡i kvLv h_vh_fv‡e SzuwKi wb‡`©kbv cwicvwjZ nq wKbv hvPvB
wfwˇZ Zv‡`i MÖvnK‡`i †kªwYweb¨vm/ †kªwYKiY Kiæb|
K‡i wK?
3. D”P SzuwKwewkó MÖvnK‡`i †ÿ‡Î cÖ‡qvRbxq Kx ai‡bi Z_¨ msMÖn Kiv nq Ges 5
AwZwi³ Z_¨ msMÖn Kiv nq wK? Zv h‡_ó wKbv cixÿv Kiæb|
4. kvLv wK MÖvn‡Ki KYC Profile wbw`©ó mgq KYC Profile cybtg~j¨vqb I 5
ci ci cybtg~j¨vqbc~e©K nvjbvMv` K‡i _v‡K? nvjbvMv` c×wZ g~j¨vqb Kiæb|
4. mš¿vm we‡ivax mš¿vm we‡ivax AvBb, 2009 Gi Aaxb mš¿vmx wb‡¤œv³ wel‡q mš‘wómv‡c‡ÿ b¤^i cÖ`vb 5
AvBb, 2009 Kv‡h© A_©vqb cÖwZ‡iv‡ai j‡ÿ¨ kvLv Kx ai‡bi Kiæbt
Gi cwicvjb Kvh©Ki c`‡ÿc MÖnY K‡i‡Q? RvwZms‡Ni wbivcËv cwil‡`i wewfbœ
†iRy‡jk‡bi AvIZvq mš¿vm, mš¿vmx Kvh©
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 bv‡gi ZvwjKv kvLvq
msiÿY I Z`bymv‡i wnmve I †jb‡`b
Kvh©µg hvPvB Kiv nq wKbv?
kvLv G welqK wbR¯^ †Kv‡bv
Mechanism AbymiY K‡i wKbv?
Giƒc e¨w³ ev mËvi bv‡g kvLvq
cwiPvwjZ wnmv‡ei (hw` _v‡K) wel‡q
weGdAvBBD †K AewnZ Kiv nq wKbv ?
5. m‡›`nRbK 1. kvLvi Kg©KZ©vMY m‡›`nRbK †jb‡`b cÖwZ‡e`b kvLvq m‡›`nRbK †jb‡`b `vwL‡ji 5
†jb‡`b cÖwZ‡e`b (STR) m¤ú‡K© AewnZ Av‡Qb wK? Rb¨ Internal Reporting
(STR) I Mechanism Pvjy Av‡Q wKbv? Zv
bM` †jb‡`b mKj Kg©K©Zv Rv‡bb wKbv?
cÖwZ‡e`b 2. kvLvq gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb kvLvq m‡›`nRbK †jb‡`b msNwUZ 4
(CTR) msµvšÍ m‡›`nRbK †jb‡`b wPwýZKi‡Yi nIqv m‡Ë¡I hw` BAMLCO KZ…©K
Kvh©Ki c×wZ Pvjy Av‡Q wK? G hver KZ¸‡jv CCU Gi wbKU †Kv‡bv STR bv Kiv
m‡›`nRbK †jb‡`b cÖwZ‡e`b (STR) n‡q _v‡K Zvn‡j Zv Am‡šÍvlRbK
BAMLCO KZ…©K CCU Gi wbKU wi‡cvU© we‡ewPZ n‡e|
Kiv n‡q‡Q? bw_ I wm‡÷g cixÿv K‡i kvLvq STR
mbv³Ki‡Yi Rb¨ †Kv‡bv c×wZi cÖeZ©b
Kiv n‡q‡Q wKbv Zv hvPvB Kiæb|
wb‡¤œv³ wel‡q mš‘wó mv‡c‡ÿ b¤^i
cÖ`vb Kiæbt
kvLvq m‡›`nRbK †jb‡`b wPwýZ Kivi
†Kvb c×wZ AbymiY Kiv nq wKbv?
kvLv ch©v‡q wb®cwËK…Z Internal
Report h_vh_fv‡e msiÿY Kiv nq
wKbv?
3. kvLv KZ©„K h_vh_ I mwVKiƒ‡c bM` †jb‡`b GZ`&msµvšÍ bw_ cixÿv Kiæb| 2
cÖwZ‡e`b (CTR) Kiv nq wKbv? (Kgc‡ÿ GK gv‡mi bM` †jb‡`b)
K¨vk †iwR÷vi/weeiYx n‡Z cixÿv
Kiæb Ges Gi wfwˇZ H gv‡m

24
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`vwLjK…Z bM` †jb‡`b cÖwZ‡e`b

cixÿvc~e©K bM` †jb‡`b cÖwZ‡e`b
`vwL‡ji mwVKZvi wel‡q g~j¨vqb
Kiæb|
6. CCU eivei 1. kvLv KZ©„K KZwU weeiYx CCU eivei `vwLj GZ`&msµvšÍ bw_ cixÿv Kiæb| wej‡¤^ 3
weeiYx `vwLj Kiv n‡q‡Q? A_ev weeiYx `vwLj bv Ki‡j Zv
kvLv wK h_vmg‡q weeiYx `vwLj K‡i? Am‡šÍvlRbK we‡ewPZ n‡e|
2. kvLv KZ©„K wbqwgZfv‡e †mj&d A¨v‡mm‡g›U GZ`&msµvšÍ weeiYx cixÿv Kiæb| 3
Kiv nq wKbv? Z_¨vw` mwVK I cwic~Y© bv n‡j Zv
cÖ¯‘ZK…Z weeiYx h_vh_ wKbv? Am‡šÍvlRbK we‡ewPZ n‡e|
7. ‡iKW© msiÿY 1. MÖvnK cwiwPwZ (KYC) Ges †jb‡`b m¤úwK©Z 5wU eÜ wnmve cixÿv Kiæb| 4
†iKW© h_vh_fv‡e msiÿ‡Yi weavb Av‡Q wK? G‡ÿ‡Î gvwbjÛvwis cÖwZ‡iva AvBb Gi
weavb h_vh_fv‡e AbymiY Kiv n‡q‡Q
wKbv hvPvB Kiæb|
2. wbqš¿YKvix KZ©„cÿ ev CCU Gi Pvwn`v GZ`&msµvšÍ bw_ cixÿv Kiæb| 3
†gvZv‡eK †iKW©mg~n mieivn Kiv nq wK? h_vmg‡q I h_vh_ Z_¨ mieivn bv
Ki‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e|
8. AML/CFT 1. kvLv e¨e¯’vcK (BAMLCO bv n‡j) kvLvq Av‡qvwRZ mfvi Av‡jvP¨m~wP 5
m¤úwK©Z kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva I kvLv e¨e¯’ v c‡Ki mv‡_ mvÿvrKvi
mvwe©K Kvh©µg welqK Kg©m~wP ev¯Íevq‡b h_vh_ f~wgKv cvjb Ges G wel‡q kvLvi cwicvjb Ae¯’vi
K‡i wK? wfwˇZ g~j¨vqb Kiæb|
2. c~e©eZ©x Af¨šÍixY I ewnt wbixÿv cÖwZ‡e`b me©‡kl wbixÿv msµvšÍ wi‡cvU© cixÿv 4
cixÿvKv‡j AML/CFT welqK †Kv‡bv Kiæb Ges Kx ai‡bi ms‡kvabg~jK
Awbqg I `ye©jZvi D‡jøL Av‡Q wKbv Ges kvLv e¨e¯’v †bIqv n‡q‡Q hvPvB Kiæb|
†Kv‡bv ms‡kvabg~jK e¨e¯’v MÖnY K‡i‡Q wKbv?
3 kvLvi mvwe©K Kvh©µg m‡šÍvlRbK wK? kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb 6
. cÖwZ‡iva msµvšÍ mvwe©K Kvh©µg Ges
kvLv e¨e¯’vc‡Ki cvidig¨v‡Ýi wfwˇZ
g~j¨vqb Kiæb|

kvLvi mvwe©K g~j¨vqb t

†¯‹vi †iwUs
90+-100 kw³kvjx (Strong)
70+-90 m‡šÍvlRbK (Satisfactory)
55+-70 †gvUvgywU fvj (Fair)
40+-55 cÖvwšÍK (Marginal)
40 I Gi wb‡P Am‡šÍvlRbK (Unsatisfactory)

25