mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt

GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

Abbreviation of AML & CFT Related Terms

AML : Anti-Money Laundering
CFT : Combating Financing of Terrorism
BFIU : Bangladesh Financial Intelligence Unit
FIU : Financial Intelligence Unit
CAMLCO : Chief Anti Money Laundering Compliance Officer
DCAMLCO : Deputy Chief Anti Money Laundering Compliance Officer
BAMLCO : Branch Anti Money Laundering Compliance Officer
CTR : Cash Transaction Report
STR : Suspicious Transaction Report
SAR : Suspicious Activity Report/ Self-Assessment Report
ITP : Independent Testing Procedures
KYC : Know Your Customer
CCC : Central Compliance Committee
TP : Transaction Profile
FATF : Financial Action Task Force
APG : Asian Pacific Group
CAP : Customer Acceptance Policy
PEPs : Politically Exposed Persons
IPs : Influential Persons
CDD : Customer Due Diligence
SCDD : Simplified Customer Due Diligence
EDD : Enhanced Due Diligence
PF : Proliferation Financing
UNCAC : United Nations Convention Against Corruption
UNSCSL : United Nations Security Council Sanctions List
UNSCR : United Nations Security Council Resolution
OFAC : Office of the Foreign Assets Control
TBML : Trade Based Money Laundering
TFS : Targeted Financial Sanctions
WMD : Weapons of Mass Destruction
CPV : Contact Point Verification
LC : Letter of Credit
ADs : Authorized Dealers
BAFT : Bankers Association for Finance & Trade
BE : Bill of Entry
LTR : Loans Against Trust Receipt
NPL : Non-Performing Loan
PI : Proforma Invoice
RBA : Risk Based Approach
AACOBB : Association of Anti Money Laundering Compliance Officers of Banks in Bangladesh
UBO : Ultimate Beneficiary Owner
WMD : Weapons of Mass Destructions
ICC : Internal Control & Compliance

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

weGdAvBBD KZ©„K RvixK…Z wb¤œewY©Z mvKz©jvi I mvK©yjvi †jUvi eZ©gv‡b Zdwmwj e¨vs‡Ki Rb¨ cÖ‡hvR¨;

µwgK mvKz©jvi/ mvK©yjvi †jUvi bs Rvixi ZvwiL welq

01
bs GGgGj mvKz©jvi bs-22 21/04/2009 mš¿vm we‡ivax AvBb, 2009 Rvix cÖm‡½|
02 weGdAvBBD mvKz©jvi bs-02 15/03/2012 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Rvix cÖm‡½|
03 weGdAvBBD mvKy©jvi †jUvi-01 30/01/2012 weGdAvBBD bvgKiY cÖm‡½|
mš¿vm we‡ivax (ms‡kvab) AvBb, 2013 Rvix
04 weGdAvBBD mvKz©jvi bs-07 14/07/2013
cÖm‡½|
gvwbjÛvwis I mš¿vmx Kv‡h© A_v©qb SzuwK
05 weGdAvBBD mvKz©jvi ‡jUvi bs-01 08/01/2015
e¨e¯’vcbv MvBWjvBb cÖm‡½|
06 weGdAvBBD mvKz©jvi ‡jUvi bs-03 09/04/2015 mš¿vm we‡ivax wewagvjv, 2013 Rvix cÖm‡½|
gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi
07 weGdAvBBD mvKz©jvi ‡jUvi bs-06 08/12/2015
ms‡kvabx Rvix cÖm‡½|
RvwZmsN wbivcËv cwil‡`i †iRy‡jkb ev¯Íevqb
08 weGdAvBBD mvKz©jvi ‡jUvi bs-01 11/02/2016
cÖm‡½|
09 weGdAvBBD mvKz©jvi ‡jUvi bs-01 22/04/2018 Z‡_¨i †MvcbxqZv iÿv cÖm‡½|
wi‡cvU© cÖ`vbKix ms¯’vmg~‡ni g‡a¨ Z_¨ wewbgq
10 weGdAvBBD mvKz©jvi bs-22 31/01/2019
cÖm‡½|
Avw_©K MÖæc I we‡`‡k Aew¯’Z kvLv I
11 weGdAvBBD mvKz©jvi bs-23 31/01/2019
mvewmwWqvixi Af¨šÍixY wbqš¿Y cÖm‡½|
gvwbjÛvwis cÖwZ‡iva wewagvjv, 2019 Rvix
12 weGdAvBBD mvKz©jvi ‡jUvi bs-01 24/02/2019
cÖm‡½|
13 weGdAvBBD mvKz©jvi bs-24 10/12/2019 evwYR¨ wfwËK gvwbjÛvwis MvBWjvBb cÖm‡½|
14 weGdAvBBD mvKz©jvi bs-25 08/01/2020 B-‡KIqvBwm MvBWjvBb cÖm‡½|
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a
15 weGdAvBBD mvKz©jvi bs-26 16/06/2020 Zdwmwj e¨vsKmg~‡ni Rb¨ AbymiYxq wb‡`©kbv
RvixKiY cÖm‡½|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

01. me©cÖ_g †Kvb †`k gvwb jÛvwis cÖwZ‡iva AvBb cÖeZ©b K‡i ?
Dt- gvwK©b hy³ivóª |

02. KZ mv‡j cÖ_g gvwb jÛvwis cÖwZ‡iva AvBb cÖewZ©Z nq ?

Dt- 1986 mv‡j|

03. cÖ_g gvwb jÛvwis cÖwZ‡iva AvBb wK bv‡g AwfwnZ ?

Dt- gvwb jÛvwis K‡›Uªvj G¨v± - 1986|

04. gvwb jÛvwis‡K D‡Ïk¨ K‡i KZ mv‡j M„nxZ cÖ_g AvšÍR©vwZK HK¨gZ M„nxZ nq?
Dt- 1988 mv‡j|

05. gvwb jÛvwis‡K D‡Ïk¨ K‡i M„nxZ cÖ_g AvšÍR©vwZK HK¨gZ wK bv‡g AwfwnZ?
Dt- wf‡qbv Kb‡fbkb|

06. FATF wK ?
Dt- Financial Action Task Force, n‡jv GKwU ¯^vaxb AvšÍt‡`kxq ms¯’v hv wek^ e¨vwc gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a KvR K‡i Ges
Gi we‡kl wKQz mycvwik i‡q‡Q hv wek^ e¨vwc e¨vswKs G MÖnY‡hvM¨Zv †c‡q‡Q|

07. FATF gvwb jÛvwis, mš¿vm I Proliferation cÖwZ‡iv‡a KZwU mycvwik cÖYqb K‡i?
Dt- 40 wU| D‡jøL‡hvM¨ mycvwikmg~n- CDD Kiv, PEPs, Wire Transfer, STR Kiv msµvšÍ I cÖ‡Z¨K †`‡k FIU MVb Kiv BZ¨vw`|

08. FATF KZ mv‡j mycvwikmg~n cÖYqb K‡i ?

Dt- 1989 mv‡j|

09. KZwU †`k/ AÂj FATF Gi mycvwikmg~n cÖ‡qv‡Mi wel‡q ivR‰bwZK wm×všÍ MÖnY K‡i‡Q?
Dt- 130 wU|

10. Egmont Group wK?

Dt- RvZxq ch©v‡qi KZK¸wj FIU Gi wb‡R‡`i AvšÍR©vwZK mn‡hvwMZv e„w×i j‡¶¨ GKwU †dvivg MVb K‡i hv Egmont Group bv‡g
cwiwPZ|

11. KZ mv‡j Egmont Group MwVZ nq?

Dt- 1995 mv‡j|

12. KZ mv‡j evsjv‡`k Egmont Group Gi m`m¨c` jvf K‡i ?

Dt- 04 RyjvB 2013 mv‡j|

13. Wolfsberg Anti-Money Laundering Principles wKfv‡e cÖYxZ nq?

Dt- c„w_exi e„nËi 13 wU e¨vsK mw¤§wjZfv‡e AvšÍR©vwZK †emiKvwi e¨vsKmg~‡ni Rb¨ gvwb jÛvwis cÖwZ‡iva wel‡q GK †mU MvBW jvBÝ cÖYqb
K‡i hv Ó Wolfsberg Anti-Money Laundering Principles Ó bv‡g cwiwPZ| MvBW jvBÝ myBRvij¨v‡Ûi Wolfsberg bvgK ¯’v‡b
cÖYxZ nIqvq Giƒc bvgKib n‡q‡Q|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

14. Wolfsberg Anti-Money Laundering Principles cÖYq‡b AskMªnbKvix e¨vsKmg~‡ni bvg wK?
Dt- Wolfsberg Anti-Money Laundering Principles cÖYq‡b AskMÖnb Kvix e¨vsKmg~‡ni bvg wb‡gœ †`Iqv n‡jv t- ABN AMRO
Bank, Barclay bank, Bonco Standard Central Itispano , S.A., The chase manhattan private bank, Citi Bank
N.A., Credit Suisse Group, Deertsche Bank As, HSBC, J.P. Morgan , Inc, Soceity General and UBS AGI
Trans Prancy International (TI).
15. Asia Pacific Group (APG) on Money Laundering wK I Gi KvR wK ?
Dt- Asia Pacific Group (APG) on Money Laundering n‡”Q Gwkqv A‡ji Rb¨ FATF Gi gZ GKwU AÂwjK ms¯’v|
GB ms¯’vi cÖavb KvR n‡jv FATF KZ…©K cÖbqbK…Z 40 wU mycvwik ev¯Íevqb Kiv Ges Zvi AMÖMwZ gwbUwis Kiv|

16. K‡e Asia Pacific Group (APG) on Money Laundering cÖwZwôZ nq I m`m¨ msL¨v KZ?
Dt- 1997 mv‡j I 41 wU †`k Gi m`m¨, evsj‡`k Gi cÖwZóvKvjxb m`m¨|

17. Asia Pacific Group (APG) on Money Laundering m`i `ßi †Kv_vq Aew¯’Z ?
Dt- Sydney, Australia|
18. evsjv‡`‡k K‡e gvwb jÛvwis cÖwZ‡iva AvBb Kvh©Ki nq?
Dt- 30 GwcÖj, 2002 mv‡j|

19. gvwb jÛvwis Gi g~j D‡Ïk¨ wK?

Dt- gvwb jÛvwis Gi g~j D‡Ïk¨ Aciva †_‡K AwR©Z m¤ú‡`i Drm †MvcbKiY|

20. gvwb jÛvwis wK?

Dt- gvwb jÛvwis n‡jv A‡_©i A‰ea Drm †Mvcb Kivi D‡Ï‡k¨ Dnvi n¯ÍvšÍi, iæcvšÍi I ¯’vbvšÍi Kiv‡K eySvq|

21. gvwb jÛvwis cÖwZ‡iva AvBb, 2012 I ms‡kvab AvBb 2015 Abyhvqx gvwbs jÛvwis Gi msÁv wK ?
Dt- “ gvwbjÛvwisÓ A_©
A wbgœewY©Z D‡Ï‡k¨ Aciv‡ai mv‡_ m¤ú„³ m¤úwË ÁvZmv‡i ¯’vbvšÍi ev iƒcvšÍi ev n¯ÍvšÍi
1. Acivajä Av‡qi A‰ea cÖK…wZ, Drm, Ae¯’vb, gvwjKvbv I wbqš¿Y †Mvcb ev QÙve„Ë Kiv; A_ev

2. m¤ú„³ Aciva msNU‡b RwoZ †Kvb e¨w³‡K AvBbMZ e¨e¯’v MÖnY nB‡Z i¶vi D‡Ï‡k¨ mnvqZv Kiv;
Av ‰ea ev A‰ea Dcv‡q AwR©Z A_© ev m¤úwË wbqg ewnf©~Zfv‡e we‡`‡k cvPvi Kiv;
B ÁvZmv‡i Acivajä Av‡qi A‰ea Drm †Mvcb ev Avovj Kwievi D‡Ï‡k¨ Dnvi n¯ÍvšÍi, we‡`‡k †cÖiY ev we‡`k nB‡Z evsjv‡`‡k
†cÖiY ev Avbqb Kiv;
C †Kvb Avw_©K †jb‡`b GBiƒcfv‡e m¤úbœ Kiv ev m¤úbœ Kwievi †Póv Kiv hvnv‡Z GB AvB‡bi Aaxb Dnv wi‡cvU©Kwievi cÖ‡qvRb nB‡e
bv;
D m¤ú„³ Aciva msNU‡b cÖ‡ivwPZ Kiv ev mnvqZv AwfcÖvq †Kvb ‰ea ev A‰ea m¤úwËi iƒcvšÍi ev ¯’vbvšÍi ev n¯ÍvšÍi Kiv;
E m¤ú„³ Aciva msNUb nB‡Z AwR©Z Rvbv m‡Ë¡I GB ai‡bi m¤úwË MÖnY, `L‡j †bIqv ev †fvM Kiv;
F GBiƒc †Kvb Kvh© Kiv hvnvi Øviv Acivajä Av‡qi A‰ea Drm †Mvcb ev Avov‡j Kiv nq;

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

G Dc‡i ewY©Z †h †Kvb Aciva msNU‡b AskMÖnY, m¤ú„³ _vKv, Aciva msNU‡b lohš¿ Kiv, msNU‡bi cÖ‡Póv A_ev mnvqZv Kiv,
cÖ‡ivwPZ Kiv ev civgk© cÖ`vb Kiv;

22. mš¿vmx Kv‡h© A_© †hvMvb msµvšÍ Acivamg~n wK wK ?

Dt- mš¿vmx Kv‡h© A_© †hvMvb msµvšÍ Acivamg~n wbgœiæc t-
1. hw` †Kvb e¨w³ ev mËv †¯^”Qvq, ‰ea ev A‰ea Drm nB‡Z,cªZ¨ÿ ev c‡ivÿ †h †Kvbfv‡e GB AwfcÖv‡q A_©, †mev ev Ab¨ †h †Kvb
m¤úwË mieivn,MÖnb,msMÖn ev Dnvi GB iƒc e¨e¯’v K‡i †h, Dnv m¤ú~Y© ev Askwe‡kl-

K. mš¿vmx Kvh© cwiPvjbvq e¨enZ nB‡e; ev

L. mš¿vmx e¨w³ ev mš¿vmx mËv KZ„©K †h †Kvb D‡Ï‡k¨ e¨eýZ nB‡e, e¨eýZ nB‡Z cv‡i g‡g© ÁvZ _v‡K;
2. mš¿vmx K‡h© A_©vqb msµvšÍ Aciv‡a †`vlx mve¨¯ÍKi‡Yi †ÿ‡Î µwgK (1) G DwjøwLZ A_©, ‡mev ev Ab¨ ‡h †Kvb m¤úwI cªK„ZB
†Kvb mš¿vmx Kvh© m¤ú`‡bi ev cwiPvjbvq ‡ÿ‡Î ev mš¿vmx Kvh© m¤ú`‡bi cª‡Póvi †ÿ‡Î e¨enZ n‡q‡Q wKbv ev †Kvb mywbw`©ó mš¿vmx
Kv‡h©i mwnZ m¤úK©hy³ wQj wKbv,Dnvi Dci wbf©i Kwi‡e bv |
23. evsjv‡`‡ki Avw_©K cÖwZôvbmg~‡ni gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva / wbqš¿b K‡i †K ?
Dt- evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (Bangladesh Financial Intelligence Unit), Bnv evsjv‡`k e¨vs‡Ki GKwU
mZš¿ BDwbU|

24. gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva/wbqš¿‡b Bangladesh Financial Intelligence Unit Gi ¶gZv I `vwqZ¡ wK ?
Dt- wi‡c©vU msMÖn Kiv, Z_¨ wewbgh Kiv, gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wPwýZ Kiv I Zvnv cÖwi‡iva/wbqš¿b Kiv| GQvovI,
1. gvwbjÛvwis I mš¿v‡m A_©vqb m¤úwK©Z Rbmvavi‡Yi wbKU n‡Z cÖvß Awf‡hvM ch©v‡jvPbv I cÖ‡hvR¨ †ÿ‡Î Zv cÖ‡qvRbxq e¨e¯’v MÖn‡Yi
wbwg‡Ë mswkøó AvBb cÖ‡qvMKvix ms¯’v‡K †cÖiY K‡i _v‡K|
2. †Kvb wi‡cvU© cÖ`vbKvix ms¯’v nB‡Z cÖvß bM` †jb‡`b I m‡›`nRbK †jb‡`b m¤úwK©Z Z_¨vw` ch©v‡jvPbv I cÖ‡hvR¨ †ÿ‡Î Zv cÖ‡qvRbxq
e¨e¯’v MÖn‡Yi wbwg‡Ë mswkøó AvBb cÖ‡qvMKvix ms¯’v‡K †cÖiY K‡i _v‡K|
3. gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a Kwievi D‡Ï‡k¨ wi‡cvU© cÖ`vbKvix ms¯’v‡K, mgq mgq cÖ‡qvRbxq wb‡`©kbv, bxwZ I c×wZMZ
Dbœqb gvwbjÛvwis cÖwZ‡iva welqK MvBWjvBÝ, mvK©yjvi cÖYqb I weZiY K‡i _v‡K ;
4. wi‡cvU© cÖ`vbKvix ms¯’vmn BFIU Gi we‡ePbvq †h †Kvb ms¯’v ev cÖwZôv‡bi Kg©KZ©v I Kg©Pvix‡`i Rb¨ cÖwkÿ‡Yi e¨e¯’vmn mfv,
†mwgbvi, BZ¨vw`i Av‡qvRb Kiv ;
5. cÖ‡qvR‡b wi‡cvU© cÖ`vbKvix ms¯’vi Kvh©µg m‡iRwgb cwi`k©b Kiv ;
6. wi‡cvU© cÖ`vbKvix ms¯’vi Kvh©µg Z`viK I ch©‡eÿYmn cÖ‡qvRbxq Ab¨ †h †Kvb Kvh© m¤úv`b Kiv ;
7. †Kvb Aciva msNU‡bi gva¨‡g †Kvb A_© ev m¤úwË †Kvb wnmv‡e Rgv nBqv‡Q ev †Kvb wnmv‡ei A_© †Kvb Aciva msNU‡b e¨eüZ
nBqv‡Q ev nB‡Z cv‡i g‡g© m‡›`n Kwievi hyw³msMZ KviY _vwK‡j †Kvb wi‡cvU© cÖ`vbKvix ms¯’v‡K AbwaK 30 (wÎk) w`‡bi Rb¨
D³ wnmv‡ei †jb‡`b ¯’wMZ ev Aeiæ× ivwLevi wb‡`©k cÖ`vb Ki‡Z cv‡i|

25. Bangladesh Financial Intelligence Unit †jb‡`b ¯’wMZ ev Aeiy× ivwLevi Rb¨ wi‡cvU© cÖ`vbKvix ms¯’v‡K m‡e©v”P
KZevi evi wb‡`©k cÖ`vb Ki‡Z cvi‡e ?
Dt- 30 (wÎk) w`b Kwiqv m‡e©v”P 7 (mvZ) evi|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

26. wi‡cvU© cÖ`vbKvix ms¯’v ej‡Z wK eySvq ?

Dt- gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva/wbqš¿‡b Kvh©µ‡g wi‡cvU© cÖ`vbKvix ms¯’v ej‡Z-e¨vsK, exgv, Avw_©K cÖwZôvb,
gvwb‡PÄvi, †kqvi evR‡ii ga¨¯’ZvKvix cÖwZôvb, A_© g~j¨ ¯’vbvšÍiKvix cÖwZôvb, Avw_©K Kg©Kv‡Ûi mv‡_ RwoZ AvBb †ckvRxex,
†bvUvix, GKvD‡›U›U, wi‡qj G‡÷U †W‡fjcvi I g~j¨evb avZz ev cv_‡ii e¨emvqx wi‡cvU© cÖ`vbKvix ms¯’v wn‡m‡e KvR Ki‡Q|

27. gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨vs‡Ki cÖavb wbe©vnx KZ©„K KLb A½xKvi †NvlYv Kiv nq ?
Dt- e¨vs‡Ki cÖavb wbe©vnx evrmwiK wfwˇZ I wbw`ó †Kvb cÖ‡qvRb Abyf~Z n‡j e¨vs‡Ki 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 K‡ib|
28. gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva / wbqš¿‡b Zdwmwj e¨vsKmg~‡ni Kibxq wK wK ?
Dt- gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva welqK wbwZgvjv cÖbqb, †K›`ªxq cwicvjb KwgwUÕ (Central Compliance
Committee) cªwZôv Kiv, gvwb jÛvwis cÖwZ‡iva wWwfkb (Anti Money Laundering Division-AMLD) MVb Kiv, CAMLCO ,
DCAMLCO I BAMLCO g‡bvbqb Kiv|
29. ‡K›`ªxq cwicvjb KwgwUÕ (Central Compliance Committee) KZ m`m¨ wewkô n‡Z n‡e Ges m`m¨ Kiv ?
Dt- ‡K›`ªxq cwicvjb KwgwU b~¨bZg 7(mvZ) m`m¨ wewkó n‡e; hv‡Z cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (CAMLCO) I DccÖavb
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (DCAMLCO) mn e¨vs‡Ki wewfbœ wefv‡Mi (‡hgbt 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`) cÖavb A_ev EaŸ©Zb
Kg©KZ©vMY m`m¨ n‡eb| Z‡e Af¨šÍixY wbixÿv wefv‡Mi ‡Kv‡bv Kg©KZ©v ‡K›`ªxq cwicvjb KwgwUi m`m¨ n‡Z cvi‡eb bv|
30. ‡K›`ªxq cwicvjb KwgwUÕ (Central Compliance Committee) eQ‡i KqwU mfv A‡qvRb Ki‡e ?
Dt- ‰ÎgvwmK wfwˇZ AšÍZ 4 wU mfv Av‡qvRb Ki‡e|

31. ‡K›`ªxq cwicvjb KwgwUÕ (Central Compliance Committee) eQ‡i KqwU cÖwZ‡e`b w`‡e ?
Dt- 02 wU, lvb¥vwmK wfwˇZ (Rvbyqvwi-Ryb, RyjvB-wW‡m¤^i) e¨vs‡Ki cÖavb wbe©vnx, cÖ‡hvR¨ ‡ÿ‡Î, cwiPvjbv cl©‡`i AeMwZ I wb‡`©kbvi Rb¨
`vwLj Ki‡e|
32. e¨vs‡Ki Af¨šÍixb gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva / wbqš¿b K‡i †K ?
Dt- †K›`ªxq cwicvjb KwgwU Ges cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi ZË¡veav‡b e¨vs‡Ki Af¨šÍixb gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwi‡iva / wbqš¿b K‡i gvwb jÛvwis cÖwZ‡iva wWwfkb (Anti Money Laundering Division-AMLD) |
33. e¨vs‡Ki gvwbjÛvwis cÖwZ‡iva Kg©KZ©v‡K wK bv‡g AwewnZ Kiv nq ?
Dt- e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Chief Anti Money Laundering Compliance Officer-CAMLCO) I
DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Deputy Chief Anti Money Laundering Compliance Officer: D-
CAMLCO) bv‡g AwewnZ Kiv nq|
34. cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Chief Anti Money Laundering Compliance Officer-CAMLCO) Gi
c`gvb †Kgb n‡e ?
Dt- e¨vs‡Ki e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi (02) `yB av‡ci bx‡P n‡e bv| Z‡e we‡`kx e¨vs‡Ki ‡ÿ‡Î D³ ÔEaŸ©Zb Kg©KZ©vÕ‡K
Aek¨B m‡ev©”P e¨e¯’vcbv KwgwUi (Management Committee) m`m¨ n‡Z n‡e|
35. Dc-cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Deputy Chief Anti Money Laundering Compliance Officer-
CAMLCO) Gi c`gvb †Kgb n‡e ?
Dt- D-CAMLCO c‡` b~¨bZg ÔDcgnve¨e¯’vcKÕ A_ev Ôwmwbqi fvBm ‡cÖwm‡W›UÕ A_ev mgc`gh©v`vi GKRb Kg©KZ©v|
36. gvwb jÛvwis cÖwZ‡iva wWwfkb (Anti Money Laundering Division-AMLD) Gi Kvh©vejx wK wK ?
Dt- gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iv‡a †jb‡`b gwbUwis, Af¨šÍixY wbqš¿b, bxwZ I c×wZi mgš^‡q cÖvwZôvwbK †KŠkj I Kvh©m~Px
wba©vib Kiv I kvLv ch©v‡q Zv cwicvj‡bi wb‡`k©bv cÖ`vbmn gwbUwis Kiv|
gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv
 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

37. kvLv ch©v‡q Af¨šÍixb gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva / wbqš¿b K‡i †K ?
Dt- kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Branch Anti Money Laundering Compliance Officer-BAMLCO) kvLvi
Af¨šÍixb gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iva / wbqš¿b K‡i |

38. Branch Anti Money Laundering Compliance Officer (BAMLCO) Gi c`gvb †Kgb n‡e ?
Dt- kvLv e¨e¯’vcK, kvLvi wØZxq Kg©KZ©v A_ev ‡Rbv‡ij e¨vswKs/d‡ib G·.PÄ/‡µwWU BZ¨vw` wel‡q AwfÁ EaŸ©Zb Kg©KZ©v‡K BAMLCO
wnmv‡e g‡bvbqb †`qv Ki‡Z nq|
39. kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© kvLvq KZ gvm ci ci gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mfv
K‡ib Ges mfvq wK wK welq wb‡q Av‡jvPbv Kiv nq ?
Dt- kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó Kg©KZ©v‡`i wb‡q ‰ÎgvwmK wfwˇZ gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iva welqK mfv K‡ib| mfvq (1) MÖvnK cwiwPwZ (Know Your Customer), (2) †jb‡`b gwbUwis
(Transaction Monitoring), (3) m‡›`nRbK ‡jb‡`b ev Kvh©µg wPwýZKiY I wi‡cvwU©s (Identification of
Suspicious Transaction & Reporting) , (4) ¯’vbxq Sanction List mn RvwZms‡Ni wbivcËv cwil‡`i
‡iRyjykbmg~‡ni ev¯Íevqb (Implementation of UNSCR & Local Sanction List ) , (5) ‡mî G¨v‡mm‡g›U msµvšÍ
Kvh©µg (Self-Assessment Report) , (6) †iKW© msiÿY (Records Keeping) , (7) cÖwkÿY (Training) BZ¨vw`
QvovI 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 MÖn‡Yi welqvw` wb‡q Av‡jvPbv Kiv nq |
40. kvLv KZ©„K wK wK weeiYx gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei `vwLj Kiv nq ?
Dt- kvLv KZ©„K wb¤œ ewY©Z weeiYx gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei `vwLj Kiv n‡q _v‡K;
µwgK bs weeiYx wfwË
1 wmwUAvi (CTR) gvwmK
2 GmwUAvi (STR) cÖ‡hvR¨ †ÿ‡Î
3 †mî A¨v‡mm‡g›U wi‡c©vU (Self-Assessment Report) lvb¥vwmK (Rvbyqvwi-Ryb, RyjvB-
wW‡m¤^i)
4 wØ-gvwmK wfwˇZ weeiYx-2 I 3 (Central Task Force Report) evwZj (2018-01-22)
41.
5 ‰ÎgvwmKc×wZ
gvwb jÛvwis msNU‡bi mfvi KqwU
Kvh©weeiYx
I wK (Quarterly
wK ? Meeting Minutes) ‰ÎgvwmK

Dt- 3wU c×wZ: †cøm‡g›U (Placement), †jqvwis (Layering), Bw›U‡MÖkb (Integation)|

42. †cøm‡g›U (Placement) ej‡Z wK eySvq ?

Dt- hLb †Kvb Acivag~jK Kvh© n‡Z D™¢yZ ev DcvwR©Z A_© cÖ_g ev‡ii gZ A_© e¨e¯’vq (Financial System) cÖ‡ek K‡i ZLb Zv‡K †cøm‡g›U
(Placement) ejv nq| D`vniY - `ybxwZ©, Nyh, Pzwi, WvKvwZ BZ¨vw`i A_© cÖ_‡g hLb GKwU e¨vsK wnmv‡e Rgv nq ZLb Gi †cøm‡g›U N‡U|

43. †jqvwis (Layering) wK ?

Dt- †jqvwis (Layering) ej‡Z †cøm‡g›UK…Z A_© ch©vqµ‡g RwUj †jb‡`‡bi gva¨‡g wewfbœ ¯Í‡i miv‡bvi/ ¯’vbvšÍ‡ii cÖwµqv‡K eySvq| D³
cÖwµqvq A‡_©i Drm †Mvcb ev jyKv‡bvi Rb¨ e¨eüZ nq| D`vniY t Aw¯ÍZ¡nxb cÖwZóv‡bi g‡a¨ B‡jKUªwbK UªvÝdvi, we‡`kx e¨vsK WªvdU,
Uªv‡fjvim †PK, GKwU e¨vsK GKvD›U n‡Z wewfbœ e¨vsK kvLvq wewfbœ bv‡g A‡_©i ¯’vbvšÍi ev Rgv Kiv|

44. Õ Bw›U‡MÖkbÕ (Integation) wKfv‡e msNwUZ nq ?

Dt- †jqvwis (Layering) mdj n‡j Bw›U‡MÖkb Gi gva¨‡g A‰ea UvKv / A_© Ggbfv‡e e¨eüZ nq hv‡Z g‡b nq GwU ˆea cš’vq DcvwR©Z|
D`vniY t A‰ea A‡_© µqK…Z m¤úwËi weµq, Mvwo, exgv cwjwmi Nb Nb evwZjKib BZ¨vw`|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

45. BACH Gi gva¨‡g wKfv‡e gvwb jÛvwis nq ?

Dt- BACH Gi gva¨‡g †jqvwis (Layering) K‡i gvwb jÛvwis n‡Z cv‡i|

46. MÖvnK (Customer) Kv‡K e‡j ?

Dt- gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK e¨e¯’vcbvq MÖvnK ej‡Z wb‡¤œv³ e¨w³ ev mËv‡K eySv‡e t
1. e¨vs‡Ki mv‡_ wnmve msiÿY K‡i ev e¨emvwqK m¤úK© i‡q‡Q Ggb ‡h ‡Kv‡bv e¨w³ ev mËv;
2. e¨vsK wnmve ev e¨emvwqK m¤ú‡K©i cÖK„Z myweav‡fvMx (Beneficial Owner); cÖZ¨ÿ ev c‡ivÿfv‡e hvi c‡ÿ wnmve cwiPvwjZ
nq;
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~‡j¨i 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|
47. uwKc~YweGdAvBBD
S~5. KZ©„K mgqwb‡`©
© MÖvnK wPwýZKi‡Yi mgqkKmg~
msÁvwqZ
n wKe¨w³
wK? ev mËv|
Dt- SuywKc~Y© MÖvnK wPwýZKi‡Yi wb‡`©kKmg~n wbgœiƒct-
1. wnmve †Lvjvi mgq cÖ‡qvRbxq Z_¨ mieiv‡n Abxnv/ Mwogwm/A¯^xK…wZ Ávcb|

2. fyj wVKvbv cÖ`vb A_ev †cvó ev· wVKvbv e¨env‡ii Aby‡iva|

3. cÖPwjZ c×wZi evB‡i myweav MÖn‡b AvKvsLv|

4. e¨emvi weeiYvw` A¯úó|

5. ¯^xq Avev¯’j †_‡K `~ieZ©x ¯’v‡b wnmve †Lvjv|
6. A‡b¨i gva¨‡g WªvdU/wUwUi mvnv‡h¨ A_© ¯’vbvšÍi|
7. h_vh_ cwiwPwZ e¨wZ‡i‡LB wnmve †Lvjvi Rb¨ cxovcxwo| BZ¨vw`
48. MÖvnK wbe©vPb bxwZgvjv (Customer Acceptance Policy) Gi wfZi wK wK welqvw` AšÍf~³ _v‡K/ Kv‡`i mv‡_ ‡Kv‡bv
ai‡Yi e¨vswKs m¤úK© ¯’vcb Kiv hv‡e bv ?
Dt- MÖvnK wbe©vP‡bi ‡ÿ‡Î cÖwZwU e¨vs‡Ki GKwU mywbw`©ó bxwZgvjv _v‡K; hv e¨vs‡Ki gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb msµvšÍ SzuwK
cÖwZ‡iva msµvšÍ g~j bxwZgvjvi Ask n‡q _v‡K| D³ bxwZgvjvq Ab¨vb¨ cÖvmw½K wel‡qi mv‡_ Avewk¨Kfv‡e wb‡gv³ welqmg~n
AšÍfz©³ _v‡K t-
1. ‡ebv‡g, QÙbv‡g ev ïay b¤^ihy³ ‡Kv‡bv MÖvn‡Ki wnmve ‡Lvjv ev cwiPvjbv Kiv hv‡e bv
2. RvwZms‡Ni wbivcËv cwil‡`i wewfbœ ‡iRyjyk‡bi AvIZvq mš¿vm I mš¿vmxKv‡h© A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ ‡Kv‡bv e¨w³ ev
mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kv‡bv e¨w³ ev wbwl× ‡NvwlZ mËvi ‡Kv‡bv wnmve ‡Lvjv hv‡e bv ev cwiPvjbv Kiv hv‡e
bv;
3. Shell Bank Gi mv‡_ ‡Kv‡bv ai‡Yi e¨vswKs m¤úK© ¯’vcb Kiv hv‡e bv;
4. weGdAvBBD KZ©„K mgq mgq cÖ`Ë wb‡`©kbv AbymiYxq n‡e|
5. ‡Kv‡bv we‡`kx ev Awbevmx evsjv‡`kx‡`i wnmve ‡Lvjvi ‡ÿ‡Î Foreign Exchange Regulation Act, 1947 Gi weavbvejx I
Gi AvIZvq evsjv‡`k e¨vsK KZ„©K RvixK„Z wb‡`©kbvmg~n AbymiYxq n‡e|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

49. MÖvnK cwiwPwZ wbwðZ nIqvmn wnmve ‡Lvjvi Rb¨ wK wK `wjjvw` Avewk¨K ?
Dt- MÖvnK cwiwPwZ wbwðZ nIqvmn wnmve ‡Lvjvi Rb¨ (1) cvm‡cvU©; (2) RvZxq cwiPqcÎ I (3) Rb¥ wbeÜb mb` Gi g‡a¨ Avewk¨Kfv‡e †h
†Kvb GKwU `wjj msMÖn Ki‡Z nq| Rb¥ wbeÜb mb` cÖ`vbc~e©K wnmve †Lvjvi †ÿ‡Î Rb¥ wbeÜb mb`c‡Îi AwZwi³ MÖvnK/wnmve
cwiPvjbvKvixi Av‡jvKwPÎmn Ab¨ †h †Kvb cwiwPwZ cÎ cÖ`vb Ki‡Z n‡e | Av‡jvKwPÎmn cwiwPwZ cÎ bv _vK‡j †m wel‡q e¨vs‡Ki mš‘wó
mv‡c‡ÿ Zv‡`i wbKU MÖnY‡hvM¨ mgv‡Ri MY¨gvb¨ e¨w³ KZ…©K cÖ`Ë cwiP‡qi cÖZ¨qbcÎ cÖ`vb Ki‡Z n‡e|
"MY¨gvb¨ e¨w³ ej‡Z msm` m`m¨, wmwU K‡c©v‡ik‡bi †gqi, †WcywU †gqi I KvDwÝjiMY, RvZxq †eZb †¯‹‡ji 9g I Z`~aŸ© †MÖ‡Wi †M‡R‡UW
Kg©KZ©v, cvewjK wek¦we`¨vj‡qi wkÿK, Dc‡Rjv cwil‡`i †Pqvig¨vb I fvBm †Pqvig¨vb, BDwbqb cwil‡`i †Pqvig¨vb, †cŠimfvi †gqi I
†cŠi KvDwÝjiMY, †emiKvix wek¦we`¨vj‡qi Aa¨vcK, †emiKvix K‡j‡Ri Aa¨ÿ, †emiKvix D”P we`¨vj‡qi cÖavb wkÿK, RvZxq ‰`wbK
cwÎKvi m¤úv`K, †bvUvwi cvewjK, AvavmiKvix/¯^vqËkvwmZ/ivóªvqZ¡ ms¯’vi RvZxq †eZb †¯‹‡ji 7g ev Z`~aŸ© †MÖ‡Wi Kg©KZ©vMY Ges
evsjv‡`k e¨vs‡Ki RvZxq †eZb †¯‹‡ji 9g I Z`~aŸ© †MÖ‡Wi Kg©KZ©vMY‡K eySv‡e"
50. Introducer Qvov wnmve †Lvjv nq bv †Kb ?
Dt- Introducer Qvov wnmve †Lvjv n‡j wnmv‡ei gva¨‡g †Kvb A‰ea †jb‡`b n‡j e¨vsKv‡ii †Kvb AvBbMZ wbivcËv cvq bv|

51. D”P SuywKm¤úbœ (High Risk) †ckv ev e¨emvmg~n wK wK ?

Dt- (1) Ry‡qjvix / ¯^‡Y©i e¨emv / g~j¨evb avZzi e¨emv, (2) gvwb †PÄvi / Kzwiqvi mvwf©m / ‡gvevBj e¨vswKs G‡R›U, (3) wi‡qj G‡÷U
†Wfjcvi / G‡R›U, (4) wbg©vY cÖKí †cÖv‡gvUvi / wVKv`vi, (5) wkí I cyivZ‡Ë¡i wWjvi, (6) ‡iu‡¯Íviv / evi / bvBU K¬ve / AvevwmK †nv‡Uj
/ cvj©vi e¨emv, (7) Avg`vwb / ißvwb G‡R›U, (8) Rbkw³ ißvwb e¨emv, (9) Av‡Mœqv‡¯¿i e¨emv, (10) Mv‡g©›Um e¨emv/ Mv‡g©›Um
G‡·mwiR/ evwqs nvDR, (11) †kqvi/÷K wWjvi, ‡eªvKvi, †cvU©‡dvwjI g¨v‡bRvi, gv‡P©›U e¨vsKvi (12) mdUIq¨vi/Z_¨ I cÖhyw³ e¨emv
(13) Ad‡kvi/bb-‡iwm‡W›U K‡cv©‡ikb, (14) GbwRI/GbwcI, (15) Pjw”PÎ cÖ‡hvRbv/cwi‡ekbv ms¯’v, (16) ‡gvevBj †dvb

Acv‡iUi/B›Uvi‡bU A_ev K¨vej wUwf Acv‡iUi, (17) Rwg/evwo †Kbv‡ePvi ga¨¯’ZvKvix, (18) BÝy‡iÝ/†eªvKv‡iR G‡RwÝ, (19) agx©q
cÖwZôvb/ms¯’v I wkÿv cÖwZôvb, (20) Uªv÷, (21) e¨emv (†c‡Uªvj cv¤ú/wmGbwR †÷kb), (22) mdUAq¨vi e¨emv I (23) wkc †eªwKs

52. e¨emv
wnmvemg~n‡K SuywKi wfwˇZ †kªYx web¨v‡mi †¶‡Î KZ †¯‹v‡i D”P SuywK wnmv‡e wn‡m‡e wPwýZ nq?
Dt- Rwg/evwo
>=15 (15 †Kbv‡ePvi
ev Giga¨¯’
AwaK)ZvKvixI 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 MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i|
53. KYC ‡cªvdvB‡ji KZwU K¨vUvMwii wfwˇZ SuywK wfwËK wefvRb Kiv nq?
Dt- 6wU|

54. SuywK wfwËK wefvR‡bi K¨vUvMwimg~n wK wK ?

Dt- (1) cb¨/‡mev I P¨v‡bj SzuwK, (2) †fŠMwjK SzuwK, (3) e¨emv I ‡ckv msµvšÍ SzuwK, (4) m¤cK©MZ SzuwK, (5) †jb‡`b msµvšÍ SzuwK
(6) ¯^”QZv msµvšÍ SzuwK |

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

55. D”P SzuwK m¤úbœ (High Risk) MÖvn‡Ki ‡ÿ‡Î kvLv KZ©„K Kibxq welq¸wj wK wK ?
Dt- D”P SuywKc~Y© MÖvn‡Ki ‡ÿ‡Î kvLv KZ©„K wbgœiƒc e¨e¯’v MÖnY Ki‡Z n‡e t-
1. MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v ev EDD MÖnY Ki‡Z n‡e|
2. wbi‡cÿ I wbf©i‡hvM¨ Drm ‡_‡K MÖvnK cwiwPwZ m¤úwK©Z AwZwi³ Z_¨vw` msMÖn Ki‡Z n‡e;
3. wnmve ‡Lvjvi D‡Ïk¨, wnmv‡ei A_© ev m¤ú‡`i Drm Rvbvi Rb¨ AwaKZi e¨e¯’v MÖnY Ki‡Z n‡e;
4. cÖ‡hvR¨‡ÿ‡Î, e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv©i Aby‡gv`b MÖnY; Ges
5. Zv‡`i wnmv‡ei ‡jb‡`b wbqwgZfv‡e AwaKZi gwbUi Ki‡Z n‡e|
6. D”P SzuwK m¤úbœ (High Risk) MÖvn‡Ki GKwU ZvwjKv kvLvq msiÿY Ki‡Z n‡e|
8. D³ MÖvnK‡`i Rb¨ GKwU c„_K bw_ kvLvq msiÿY Ki‡Z n‡e|
56. MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v ev EDD ej‡Z wK eySvq ?
Dt- MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v ev EDD ej‡Z wb‡¤œi welh¸wj eySvq t-
1. MÖvn‡Ki †NvwlZ †jb‡`‡bi mv‡_ msNwUZ †jb‡`‡bi AmgvÄvm¨Zv cwijwÿZ n‡j AmgvÄvm¨ †jb‡`‡bi Kvib Rvbv ev Zvi ¯^c‡ÿ
cÖ‡qvRbxq `wjjvw` msMÖn Kiv|
2. MÖvn‡Ki wPwýZKi‡bi Rb¨ MÖvnK cwiwPwZ m¤úwK©Z AwZwi³ Z_¨, wVKvbv, A_© ev m¤ú‡`i Drm BZ¨vw` m¤ú‡K© Avc‡WU _vK‡Z
n‡e|
3. MÖvn‡Ki cwiwPwZg~jK Z‡_¨i ‡h ‡Kv‡bv cwieZ©b AeMZ nIqvi mv‡_ mv‡_B Zv nvjbvMv` Kiv;
4. wnmve ‡Lvjvi mgq MÖvnK KZ©„K cÖ`Ë ‡jb‡`‡bi AbywgZ gvÎv Ges cÖK„Z ‡jb‡`b D‡jøL¨‡hvM¨ nv‡i ew×i ‡ÿ‡Î MÖvn‡Ki KvQ †_‡K
57. Shell wjwLZ
Bank†Nvlbv
ej‡ZcÎ
wK†bqv|
eySvqBZ¨vw`;
?
Dt- Shell Bank ej‡Z Hme e¨vsK‡K eySv‡e hviv †h‡`‡k wbewÜZ †m‡`‡k Zv‡`i †Kvb kvLv ev Kvh©µg ‡bB Ges †Kvb wbqwš¿Z
Avw_©K MÖæc (Regulated Financial Group) Gi Awafy³ bq (Shell bank means a bank that has no physical
presence in the country which it is incorporated and licensed, and which is unaffiliated with a
regulated financial group that is subject to effective consolidated supervision. Physical presence
means meaningful mind and management located within a country. The existence simply of a local
agent or low level staff does not constitute physical presence)|

58. cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons) ej‡Z wK eySvq ?

Dt- 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| †hgb t wewfbœ ‡`‡ki gš¿x, Ggwc, mwPe, KzUbxwZKe„›`
BZ¨vw`;
e¨vLv t Rbve †Wvbvì U¨v¤ú, Rbve †gv`x BZ¨vw` e¨w³eM© mevB cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons)

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

59. cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons) Gi †ÿ‡Î KiYxq wK wK ?

Dt- cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons) Gi †ÿ‡Î KiYxq wb¤œiæc e¨e¯’v MÖnY Ki‡Z n‡e t

1. e¨vsK‡K Zv‡`i MÖvnK ev wnmv‡ei cÖK„Z myweav‡fvMx PEPs wKbv Zv wbav©iY Kivi Rb¨ Dchy³ c×wZ MÖnY (‡hgb t Db¥y³ Z‡_¨i
Drm, wewfbœ WvUv‡eR e¨envi BZ¨vw`) Ki‡Z n‡e;
2. PEPs Gi mv‡_ e¨emvwqK m¤úK© ¯’vcb ev we`¨gvb m¤úK© Ae¨vnZ ivLvi ‡ÿ‡Î e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb
Kg©KZ©vi Aby‡gv`b wb‡Z n‡e;
4. GQvovI MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki‡Z n‡e;
5. PEPs Gi cwiev‡ii m`m¨ I Zv‡`i mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (Close Associates) ‡ÿ‡ÎI Dc‡i DwjøwLZ wb‡`©kbvmg~n
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‡eb bv|
60. cÖfvekvjx e¨w³ (Influential Persons: IPs) ej‡Z wK eySvq ?
Dt- 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| †hgb t Avgv‡`i ‡`‡ki gš¿x, Ggwc, mwPe BZ¨vw`|

e¨vLv t gvbYxq cÖavbgš¿x †kL nvwmbv, †hvMv‡hvM gš¿x Rbve Ievq`yj Kv‡`i, Rbve †kL †mwjg BZ¨vw` e¨w³eM© mevB cÖfvekvjx e¨w³
(Influential Persons) |
61. AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v ej‡Z wK eySvq ?
Dt- 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| †hgb t ‡Kvb we‡`kx ms¯’vi cÖavbMY|
62. cÖfvekvjx e¨w³ (Influential Persons: IPs) I AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi Gi †ÿ‡Î KiYxq wK wK ?
Dt- ‡Kvb cÖfvekvjx e¨w³i (Influential Persons:IPs) I AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi wnmve ‡Lvjv I cwiPvjbv D”P
SzuwK m¤úbœ n‡j wb¤œiæc wb‡`©kbv AbymiY Ki‡Z n‡e|
1. MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v ev EDD MÖnY Ki‡Z n‡e|
2. wbi‡cÿ I wbf©i‡hvM¨ Drm ‡_‡K MÖvnK cwiwPwZ m¤úwK©Z AwZwi³ Z_¨vw` msMÖn Ki‡Z n‡e;
3. wnmve ‡Lvjvi D‡Ïk¨, wnmv‡ei A_© ev m¤ú‡`i Drm Rvbvi Rb¨ AwaKZi e¨e¯’v MÖnY Ki‡Z n‡e;
4. D”P SuywK m¤úbœ MÖvnK n‡j, e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv©i Aby‡gv`b MÖnY; Ges
5. Zv‡`i wnmv‡ei ‡jb‡`b wbqwgZfv‡e AwaKZi gwbUi Ki‡Z n‡e|
63. mkix‡i Abycw¯’Z MªvnK ( Non face to face customer) ej‡Z wK eySvq ?
Dt- mkix‡i Abycw¯’Z MÖvnK ( Non face to face customer) ej‡Z H mKj MÖvnK‡K eySv‡e hviv e¨vsK kvLvq mkix‡i Dcw¯’Z bv n‡q
e¨vs‡Ki G‡R‡›Ui gva¨‡g ev wb‡Ri ‡ckv`vi cÖwZwbwai (AvBbRxex, GKvD›U¨v›U BZ¨vw`) gva¨‡g wnmve Ly‡j _v‡K Ges cwiPvjbv K‡i _v‡K|
64. bM` †jb‡`b wi‡cvU© (CTR) `vwLj Gi †¶‡Î wbgœ mxgv KZ ?
Dt- 10 jÿ UvKv| cÖwZwU e¨vsK kvLvmg~‡ni c~e©eZ©x gv‡mi ˆ`bw›`b †jb‡`b cixÿv K‡i †Kvb GKwU wnmv‡e †Kvb GKwU wbw`©ó w`‡b GK ev
GKvwaK †jb‡`‡bi gva¨‡g Rgv ev D‡Ëvj‡bi (AbjvBb, GwUGgmn ‡h †Kvb ai‡Yi bM` Rgv ev D‡Ëvjb) cwigvY hw` 10 (`k) jÿ UvKv
ev Z`~aŸ© A‡_©i ev mgg~‡j¨i ˆe‡`wkK gy`ªvq nq Z‡e Zv ¯^ ¯^ †K›`ªxq cwicvjb BDwbU Gi gva¨‡g gvwmK wfwˇZ BFIU eive‡i bM` †jb‡`b
wi‡cvU© wn‡m‡e `vwLj Ki‡e|
gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv
 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

65. miKvix wnmve ev miKvix gvjxKvbvaxb cªwZôv‡bi wnmv‡e bM` †jb‡`bi wi‡cvU© (CTR) Kivi cª‡qvRb Av‡Q wK?
Dt- bM` Rgvi †¶‡Î wi‡cvU© Kivi cÖ‡qvRb †bB; Z‡e bM` D‡Ëvj‡bi †¶‡Î h_vwbq‡g bM` †jb‡`b wi‡cvU© `vwLj Ki‡Z n‡e|

66. Structuring ej‡Z wK eySvq Ges Dnv msNwUZ n‡j KiYxq wK ?

Dt- bM` †jb‡`b wi‡c©vU (CTR) cwinvi Kivi Rb¨ MÖvnK KZ©„K cybt cybt bM` †jb‡`b Kiv‡K A_©¨vr bM` †jb‡`b wi‡c©vwUs (CTR) mxgvi
bx‡P †jb‡`b (Structuring) Kiv‡K Structuring e‡j| Structuring msMwVZ n‡j cÖ‡hvR¨ ‡ÿ‡Î, weGdAvBBD‡Z m‡›`nRbK †jb‡`b
wi‡cvU© (STR) `vwLj Ki‡Z n‡e|
67. c~Y©v½ (Complete) I mwVK (Accurate) Z_¨ ej‡Z wK eySvq ?
Dt- 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|
D`vniY¯^iyc t bvg, ‡ckv, Rb¥ ZvwiL I we¯ÍvwiZ wVKvbv, Ges cvm‡cvU©/RvZxq cwiPqcÎ/Rb¥ wbeÜb mb`/MÖnY‡hvM¨ cwiwPwZg~jK Qwehy³
AvBwW KvW©, ‡dvb/‡gvevBj b¤^i BZ¨vw` Ab¨vb¨ cÖ‡qvRbxq Z_¨vw`| ÒmwVK (Accurate)Ó ej‡Z c~Y©v½ Giyc Z_¨‡K eySv‡e hvi mwVKZv
h_vh_ KZ©„c‡ÿi wbKU n‡Z hvPvB Kiv n‡q‡Q|
68. mwVK I c~Yv©½ MÖvnK cwiwPwZ e¨vs‡Ki c‡¶ wK wK Ae`vb iv‡L ?
Dt- mwVK I c~Yv©½ MÖvnK cwiwPwZ e¨vs‡Ki c‡¶ wb¤œ wjwLZ Ae`vb iv‡L -
K. Bnv e¨vs‡Ki mybvg i¶vq mvnvh¨ K‡i|
L. Bnv e¨vswKs c×wZi ï×Zv (integrity) i¶vq mvnvh¨ K‡i hv‡Z e¨vsK Avw_©K Aciva msNU‡bi wkKvi bv nq;
M. Bnv SuzwK e¨e¯’vcbvq ¸iZ¡c~Y© Ask wnmv‡e KvR K‡i|
69. KZ UvKv †jb‡`b n‡j STR Ki‡Z nq ?
Dt- G‡ÿ‡Î wbw`©ô †Kvb cwigvb †bB| ‡h‡Kvb †jb‡`b m‡›`n n‡j STR Kiv nq|
70. MÖvn‡Ki ‡jb‡`b gwbUwis Gi Dcvq mg~n wK wK ?
Dt- ‡jb‡`b gwbUwis m‡›`nRbK ‡jb‡`b mbv³Ki‡Yi GKwU ¸iæZ¡c~Y© Dcvq weavq cÖwZwU e¨vsK‡K AZ¨šÍ m‡PZbZv I mZK©Zvi mv‡_ MÖvn‡Ki
‡jb‡`bmg~n gwbUi Ki‡Z n‡e| ‡jb‡`b gwbUwis Gi ‡ÿ‡Î wb‡¤œv³ welq¸‡jv we‡ePbv Ki‡Z n‡e :
1. cÖwZwU e¨vsK Mªvn‡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 Giyc ‡jb‡`b AwaKZi
¸iæZ¡ mnKv‡i gwbUi Ki‡Z n‡e ;
3. ‡jb‡`b gwbUwis Gi ‡ÿ‡Î e¨vsKmg~n kvLvq gvwbjÛvwis cÖwZ‡iva AvBb, 2012, aviv 2(d)(C) [ †Kvb Avw_©K †jb‡`b GBiƒcfv‡e
m¤úbœ Kiv ev m¤úbœ Kwievi †Póv Kiv hvnv‡Z GB AvB‡bi Aaxb Dnv wi‡cvU© Kwievi cÖ‡qvRb nB‡e bv ] G ewY©Z Kvh©µg
(Structuring) msMwVZ n‡”Q wKbv Zv mbv³Ki‡Y m‡Pó _vK‡e Ges cÖ‡hvR¨ ‡ÿ‡Î, weGdAvBBD‡Z m‡›`nRbK †jb‡`b wi‡cvU©
(STR) `vwLj Ki‡e;
4. ‡jb‡`b gwbUwis Gi ‡ÿ‡Î mKj cÖKvi ‰e‡`wkK gy`ªvi ‡jb‡`b Ges B‡jKUªwbK Dcv‡q msNwUZ mKj ‡jb‡`bmg~nI we‡ePbv
Ki‡Z n‡e; Ges
5. ‡jb‡`b gwbUwis Gi ‡ÿ‡Î RvwZms‡Ni wbivcËv cwil‡`i mswkøó ‡iR¨yjykb Ges ‡hme ‡`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q G msµšÍ welqvejx we‡ePbvq wb‡Z n‡e|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

71. gvwb jÛvwis Gi m¤¢ve¨ wb‡`©kKmg~n wK wK ?

Dt- gvwb jÛvwis cÖwµqv mgq mgq RwUj AvKvi aviY Ki‡Z cv‡i Ges G welqvw` A‡bK mgq ¯úó bvI n‡Z cv‡i| Z‡e we‡kl KZK¸wj
wb‡`©kK Gi gva¨‡g †Kv_vq gvwb jÛvwis n‡q‡Q, n‡”Q ev n‡Z hv‡”Q e‡j aviYv Kiv hvq| wb¤œwjwLZ wb‡`©kK n‡Z gvwb jÛvwis Gi wel‡q
Abygvb Kiv hvq Ges G wel‡q h‡_vchy³ Kvh©Kvix f~wgKv cvjb Kiv hvq|
1. bvbv weqqvw` †MvcbKiY, Dnv ivLv, Q`œveiY ˆKix ev Gwo‡q hvIqvi cÖqvm|
2. wnmve †Lvjvi mgq cÖ‡qvRbxq AZ¨vek¨Kxq Z_¨ cÖ`v‡b Abxnv cÖ`k©b, Am`ycvq Aej¤^b cÖZviYv Kiv|
3. fyj wVKvbv cÖ`vb Kiv ev wVKvbvwU Ggbfv‡e cÖ`vb Kiv hv mZ¨ ev wg_¨v bq, wKš‘ cixÿv Kiv m¤¢e nq bv|
4. e¨emvq¯’j ev wbevm¯’j DfqB e¨vsK kvLv n‡Z A‡bK `~‡i Aew¯’Z; AvcZ`„wó‡Z wbKUeZ©x e¨vsK kvLv †i‡L GZ `~‡i Avmvi Kvib
†evSv hv‡”Q bv|
5. Ab¨ †Kvb e¨vsK wnmve Av‡Q wKbv Zv Rvbv‡Z Abxnv cÖ`k©b|
6. ‡jb‡`‡bi AbywgZ gvÎvq DwjøwLZ Z_¨ Zvi e¨emvi cwiwai mv‡_ mvgÄm¨c~Y©|
7. MÖvn‡Ki e¨emvq¯’j cwi`k©b K‡i m‡šÍvlRbK g‡b bv nIqv|
8. e¨emv‡qi cÖK…wZMZ Kvi‡Y †PK ev Ab¨ Bbóªy‡g›U †jb‡`b m¤úvw`Z n‡jI nVvr K‡i A¯^vfvweK eo As‡Ki bM` Rgv Kiv|
9 ‡Kvb hyw³m½Z Kvib QvovB nVvr K‡i bM` Rgvi cwigvb ‡e‡o hvIqv Ges e¨emvq ev e¨emv‡qi gvwj‡Ki mv‡_ AvcvZ t m¤úK©nxb
Lv‡Z ¯^cø mg‡qi g‡a¨ ¯’vbvšÍi (†P‡K ev bM‡`) n‡q hvIqv|
10. Kv‡iv wnmv‡e bM‡` Ges †QvU †QvU As‡K Rgv n‡jI †gvU Rgvi cwigvb hw` AbywgZ gvÎv ev ¯^vfvwe‡Ki †P‡q AwaK nq|
11. Ab¨Î eo AsK e¨vs‡Ki gva¨‡g ¯’vbvšÍi K‡i †mLv‡b bM‡` cwi‡kv‡ai Aby‡iva ev Ab¨Î n‡Z AvMZ eo AsK bM‡` cwi‡kv‡ai
Aby‡iva|
12. wnmv‡ei ¯^vfvweK cÖK…wZ Abymib bv K‡i bM` †jb‡`‡b AvMÖn cÖ`k©b|
13. g‡°‡ji wewfbœ bv‡g ev wewfbœ cÖwZóv‡bi bv‡g A‡bK¸‡jv wnmve _vKv Ges me¸‡jv wnmve wg‡j cwiPvwjZ †jb‡`‡b A¯^vfvweKZv
cÖ`k©b|
14. e¨vs‡Ki AÁv‡Z A‡bK¸‡jv e¨vsK wnmve cwiPvjbv Kiv; wKš‘ Znwej GKxKi‡Yi ¯^v‡_© ev evisevi Znwej Gw`K †mw`K ¯’vbvšÍi
Kivi †ÿ‡Î e¨vsK KZ©„K Ab¨ wnmve ¸‡jv m¤ú‡K© AewnZ nIqv|
15. hyw³m½Z Kvib QvovB Ab¨ e¨w³i †P‡K evievi eo AsK RgvKiY|
72. kvLv wKfv‡e ev wK Dcv‡q gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iv‡a Zv‡`i wb‡R‡`i Ae¯’vb ev g~j¨vqb K‡i ?
Dt- cÖwZwU kvLv KZ„©K ‡mî G¨v‡mm‡g›U Gi Rb¨ wba©vwiZ ‡PKwjó [22 wU cÖkœ m¤^wjZ] weGdAvBBD mviKz©jvi bs-26 ZvwiL 16-06-
2020 Gi cwiwkó ÔLÕ Gi Dci wfwË K‡i lvb¥vwmK wfwˇZ wb‡R‡`i kvLvi g~j¨vqb K‡i|
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 nq| D³
mfvq kvLv g~j¨vqb cÖwZ‡e`‡bi Lmovi Dci Av‡jvPbv Ki‡Z nq, 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 nq Ges P~ovšÍ cÖwZ‡e`‡b mycvwik wjwce× Ki‡Z nq| 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 nq| cÖwZwU lvb¥vwmKKvj
mgvß nIqvi ci ‡mî G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`b, G wel‡q kvLv KZ©„K M„nxZ/M„nxZe¨ Kvh©µ‡gi weeiY I mycvwikmn cÖavb
Kvh©vj‡qi Af¨šÍixY wbixÿv wefvM I gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM/wWwfk‡b ‡cÖiY Ki‡Z nq|
73. Walk-in Customer ej‡Z wK eySvq ?
Dt- wnmveavix MÖvnK e¨ZxZ Ab¨ †h‡Kvb ai‡bi MÖvn‡K Walk-in Customer e‡j|
74. Walk-in Customer iv e¨vsK †_‡K wK wK ‡mev wb‡q _v‡K ?
Dt- Walk-in Customer iv e¨vsK †_‡K wUwU, GgwU, wWwW, †c-AW©vi Bm¨ Ges AbjvB‡b Rgv ev D‡Ëvjb Gi Rb¨ e¨vs‡K Av‡m|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

75. Walk-in Customer Øviv †jb‡`‡bi †ÿ‡Î e¨vsK KZ©„K wK mZK©Zvg~jK e¨e¯’v MÖnb Kiv nq ?
Dt- Walk-in Customer Øviv †jb‡`‡bi †ÿ‡Î e¨vsK KZ©„K wb¤œiæc mZK©Zvg~jK e¨e¯’v MÖnb Ki‡Z n‡e ;
µwgK ‡jb‡`‡bi cwigvb KiYxq
1 Abya© 50,000/-(cÂvk nvRvi) UvKv ‡cÖiYKvix/Av‡e`bKvix I cÖvcK/‡ewbwdwmqvixi bvg I wVKvbv Ges
‡cÖiYKvix/Av‡e`bKvixi ‡Uwj‡dvb b¤^i msMÖn Ki‡Z n‡e|
2 50,000/-(cÂvk nvRvi) Gi AwaK ‡cÖiYKvix/Av‡e`bKvix I cÖvcK/‡ewbwdwmqvixi bvg I wVKvbv Ges
ev 5,00,000/- (cvuP jÿ) Gi bx‡P ‡cÖiYKvix/Av‡e`bKvixi ‡Uwj‡dvb b¤^i msMÖn Kivi cvkvcvwk ‡cÖiYKvix ev
Av‡e`bKvix ev RgvKvix ev D‡ËvjbKvixi Qwehy³ AvBwW msMÖn Ki‡Z n‡e|
3 5,00,000/-(cvuP jÿ) UvKv ev e¨vsK Zv‡`i mš‘wói ¯^c‡ÿ MÖvn‡Ki KYC cÖwµqv m¤úbœ Ki‡e| Òe¨vs‡Ki mš‘wó
Z`yaŸ© g~‡j¨i mv‡c‡ÿÓ ej‡Z we`¨gvb wb‡`©kbvi Av‡jv‡K MÖvn‡Ki SuzwK 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©„cÿ‡K
mš‘ó Kiv‡K eySv‡e|
76. MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v (Simplified Customer Due Diligence) ej‡Z wK eySvq ?
Dt- wKQz MÖvnK‡`i †ÿ‡Î mnRZi mZK©Zvg~jK e¨e¯’v †hgbt Walk-in Customer ‡`i †ÿ‡Î Short KYC, Avw_©K AšÍ©fyw³i (Financial
Inclusion) D‡Ï‡k¨ wb¤œSzuwK m¤úbœ wnmve ‡Lvjv ev cwiPvjbvi ‡ÿ‡Î (¯‹zj Qv‡Îi wnmve, K„l‡Ki wnmve Ges Ab¨vb¨ No-Frill
Account) MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v MÖnY Ki‡Z nq|
77. Non Frills Accounts ej‡Z wK eySvq ?
Dt- ‡hme wnmv‡ei Nill Minimum Balance/Very Low Minimum Balance _v‡K †mme wnmvemg~n‡K Non Frills
Accounts e‡j|
78. Aq¨vi UªvÝdvi (Wire Transfer) Kv‡K e‡j ?
Dt- ÒAq¨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 e¨envi K‡i Aci ‡Kv‡bv e¨vsK ev cÖwZôv‡bi kvLvi mnvqZvq ‡ewbwdwkqvwi e¨w³ ev cÖwZôvb‡K
A_© cÖ`vb K‡i|
79. Aq¨vi UªvÝdvi (Wire Transfer) Gi †ÿ‡Î KiYxq wK ?
Dt- Af¨šÍixY Iq¨vi UªvÝdvi I AvšÍt‡`kxq †ÿ‡Î Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev mgg~‡j¨i ‰e‡`wkK gy`ªvq
AvšÍt‡`kxq Aq¨vi UªvÝdv‡ii ‡ÿ‡Î Av‡e`bKvixi mwVK msMÖn, msiÿY Ges D³ Z_¨ B›UviwgwWqvwi/‡ewbwdwkqvwi e¨vs‡K ‡cÖiY Ki‡Z
n‡e|
80. MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v (Customer Due Diligence--CDD) ej‡Z wK eySvq ?
Dt- MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v (Customer Due Diligence--CDD) ej‡Z wbf©i†hvM¨ I ¯^vaxb Drm n‡Z cÖvß Z_¨,
DcvË I `wjjvw`i wfwˇZ MÖvn‡Ki cwiwPwZ wbwðZKiY, msMynxZ 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) gwbUwis Kiv‡K eySv‡e| D‡jøL¨ ‡h, MÖvn‡Ki h_vh_ cwiwPwZ
MÖnY I hvPvBKiY (KYC), CDD cÖwµqvi GKwU Ask|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

81. cÖK„Z myweav‡fvMx (Beneficial Owner) ej‡Z wK eySvq ?

Dt- cÖK„Z myweav‡fvMx (Beneficial Owner) ej‡Z

1. hw` ‡Kv‡bv MÖvnK Ab¨ ‡K‡bv e¨w³i c‡ÿ wnmve cwiPvjbv K‡i ;
2. AvcvZt `„wó‡Z hw` ‡Kv‡bv e¨w³ hw` ‡Kv‡bv MÖvnK‡K cÖZ¨ÿ ev c‡ivÿfv‡e wbqš¿Y / cÖfvweZ K‡i ;
3. ‡Kv¤úvbxi ‡ÿ‡Î, whwb/hv‡`i D³ ‡Kv¤úvbxi Dci wbqš¿Y‡hvM¨ ¯^v_© (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%) i‡q‡Q, wZwb/Zviv wnmv‡ei cÖK„Z
myweav‡fvMx e‡j we‡ewPZ n‡eb ;
82. cÖK„Z myweav‡fvMx (Beneficial Owner) Gi †ÿ‡Î e¨vs‡Ki KiYxq wK wK ?

Dt- e¨vs‡Ki mš‘wó mv‡c‡ÿ ¯^vaxb I wbf©i‡hvM¨ m~Î n‡Z msM„nxZ Z‡_¨i wfwˇZ wb‡gœv³fv‡e wnmv‡ei cÖK„Z myweav‡fvMxÕi cwiwPwZ wbwðZ Ki‡Z
n‡e ;
1. hw` ‡K‡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;
2. AvcvZt `„wó‡Z hw` ‡Kv‡bv e¨w³ hw` ‡Kv‡bv MÖvnK‡K cÖZ¨ÿ ev c‡ivÿfv‡e wbqš¿Y/cÖfvweZ K‡i ‡m‡‡ÿ‡Î D³ e¨w³i cwiwPwZi
mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e;
3. ‡Kv¤úvbxi ‡ÿ‡Î wnmv‡ei cÖK„Z myweav‡fvMxi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e; G‡ÿ‡Î, whwb/hv‡`i D³
‡Kv¤úvbxi Dci wbqš¿Y‡hvM¨ ¯^v_© (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%) i‡q‡Q, wZwb/Zviv wnmv‡ei cÖK„Z myweav‡fvMx e‡j we‡ewPZ n‡eb ;
83. GKB e¨vs‡K GKB MÖvn‡Ki GKvwaK wnmve cwiPvwjZ n‡j MÖvnK cwiwPwZi cybive„wË cwinvi Kivi Rb¨ e¨vsK wK Dcvq MÖnb K‡i
_v‡K ?
Dt- GKB e¨vs‡K GKB MÖvn‡Ki GKvwaK wnmve cwiPvwjZ n‡j MÖvnK cwiwPwZi cybive„wË cwinvi I ‡jb‡`b gwbUwis Gi myweav‡_© e¨vsK D³
MÖvn‡Ki Rb¨ GKwU Unique Customer Identification Code (UCIC) eivÏ Ki‡e| D³ UCIC MÖvnK I e¨vsK KZ©„K MÖvnK‡K cÖ`Ë
mKj cÖKvi ‡mev wPwýZKiY (Track) Ges c~Y©v½fv‡e Avw_©K ‡jb‡`b gwbUwis-Gi ‡ÿ‡Î mnvqZv Ki‡e;
84. MÖvn‡Ki KYC Profile I Transaction Profile weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv ‡gvZv‡eK KZ eQi ci ci
nvjbvMv` Kivi wb‡`©kbv i‡q‡Q ?
Dt- 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
nq| GQvovI, MÖvn‡Ki cwiwPwZg~jK Z‡_¨i ‡h ‡Kv‡bv cwieZ©b †hgb t 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|

85. MÖvn‡Ki Dsm Gi mg_©‡b wK wK `wjjvw` msMÖn Kiv nq ?

Dt- MÖvn‡Ki Dsm Gi mg_©‡b wb¤œ wjwLZ `wjjvw` msMÖn Kiv †h‡Z cv‡i;
1. m¨vjvwi mvwU©wd‡KU (Salary Certificate), †c-w¯øc (Pay Slip), †cbkb eyK (Pension Book), dvBbvÝwmqvj †÷U‡g›U
(Financial Statement), eZ©gvb Kg©iZ cÖwZôv‡bi AvBwW KvW© (Present Employment Identity)|
2. Ab¨vb¨ `wjjvw` †hgb t weµ‡qi iwk` (Bills of Sale), Dwqj (Will) I †`vKv‡bi †mj&m †iwRªóvi (Extracts from various
registers), †UªW jvB‡mÝ (Trade Licenses) BZ¨vw`|
3. AvqKi cÖZ¨vqb cÎ hvnv‡Z Tax ‡hvM¨ Av‡qi †Nvlbv _v‡K (Income Tax Return which declares taxable income)|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

86. ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` e¨vsK KZ eQi I wK wK Z_¨/`wjjvw` msiÿY K‡i ?
Dt- e¨vsK ‡Kv‡bv MÖvnK mswkøó wb‡¤œ ewY©Z cÖ‡qvRbxq Z_¨vw`/`wjjvw` wnmve eÜ nIqvi ci Ab~¨b 5 (cuvP) ermi msiÿY Ki‡e :
1. Af¨šÍixY I ‰e‡`wkK ‡jb‡`b msµvšÍ Z_¨vw` ev `wjjvw`;
2. 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‡bi 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
3. Walk-in Customer KZ©„K msNwUZ ‡jb‡`b msµvšÍ Z_¨vw` ev `wjjvw`|

87. K‡imc‡Û›U e¨vswKs ej‡Z wK eySvq?

Dt- K‡imc‡Û›U e¨vswKs ej‡Z GK e¨vsK (K‡imc‡Û›U) KZ…©K Ab¨ e¨vsK (†imc‡Û›U) †K †µwWU, wW‡cvwRU, Kv‡jKkb, wK¬qvwis, †c‡g›U,
K¨vk g¨v‡bR‡g›U, AvšÍR©vwZK Aq¨vi UªvÝdvi, wWgvÛ WªvdU& Gi Rb¨ Wªwqs A¨v‡ićg›U ev Abyiƒc Ab¨ †Kvb †mev cÖ`vb‡K eySvq|
88. evsjv‡`k e¨vs‡Ki wb‡`©‡kbv Abyhvqx bZzb K‡imc‡Û›U e¨vswKs m¤ú©K ¯’vc‡bi c~‡e© wK wK e¨e¯’vw` Aej¤^b Kwi‡Z nB‡e ?
Dt- evsjv‡`k e¨vs‡Ki wb‡`©kbv Abyhvqx bZzb K‡imc‡Û›U e¨vswKs m¤ú©K ¯’vc‡bi c~‡e© wbgœwjwLZ e¨e¯’vw` Aej¤^b Kwi‡Z nB‡e-
1. e¨vswKs e¨e¯’v hv‡Z gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb Gi D‡Ï‡k¨ e¨eüZ n‡Z bv cv‡i †mB Rb¨ e¨vsK mg~n
Correspondent Banking ‡mev cª`vb c~‡e© Respondent e¨vs‡Ki e¨emvi cÖK…wZ m¤ú‡K© wbwðZ nB‡e|
2. bZzb Correspondent Banking m¤ú‡K© ¯’vc‡bi c~‡e© e¨vs‡Ki cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi (CAMLCO)
Aby‡gv`b MÖnb Kwi‡Z nB‡e|
3. ‡imc‡Û›U e¨vsKwU mswkøó KZ…©c¶ KZ…©K Kvh©Kifv‡e Z`viK Kiv nq, GB e¨vcv‡i mš‘wó mv‡c‡¶ †KejgvÎ †Kvb we‡`kx e¨vs‡Ki
mwnZ K‡imc‡Û›U m¤úK© ¯’vcb Kiv hvB‡e ev eRvq ivLv hvB‡e|
4. ‡hme †`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 ‡mme ‡`‡ki
e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb ev eRvq ivLvi e¨vcv‡i MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki‡Z
n‡e|
5. ‡h mKj ‡imc‡Û›U e¨vsK Zv‡`i MÖvnK‡`i‡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‡`i mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vc‡bi ‡ÿ‡Î-
 ‡imc‡Û›U e¨vsK KZ©„K Zv‡`i MÖvn‡Ki CDD h_vh_fv‡e m¤úv`b Kivi welqwU wbwðZ n‡Z n‡e; Ges
 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
89. evwbR¨ wfwËK gvwb m¤¢ e g‡g© (Trade
jÛvwis Based
wbwðZ n‡Z n‡e| Money Laundering) Kv‡K e‡j ?

Dt- A‰ea A_© cÖPwjZ evwbwR¨K †jb‡`‡bi gva¨‡g Avov‡j ˆea Kiv ev Gi Drm †Mvcb Kiv ev Kivi †h cÖ‡Póv/cÖqvm‡K evwbR¨ wfwËK gvwb
jÛvwis e‡j| ev¯Í‡e evwbwR¨K cY¨ ev †mevi g~j¨, cwigvb I Gi ¸YMZgvb m¤ú‡K© wg_¨v †Nvlbvi gva¨‡g evwbR¨ wfwËK gvwb jÛvwis
msNwUZ n‡Z cv‡i|
90. evwbR¨ wfwËK gvwb jÛvwis (Trade Based Money Laundering) G Abym„Z †KŠkj ¸‡jv wK wK ?
Dt- evwbR¨ wfwËK gvwb jÛvwis (Trade Based Money Laundering) G Abym„Z †KŠkj ¸‡jv wb¤œiæc t
1. cY¨ ev †mev †jb‡`‡b AwZ ev Ae-g~j¨vwqZ Pvjvb Bmy¨KiY [Over Invoicing- Under Invoicing]
2. GKB cY¨ ev †mevi GKvwaK Pvjvb Bmy¨KiY [Multiple Invoicing of same Goods & Services]
3. ‡Nvlbvi Zzjbvq cY¨ ev †mev †ekx ev Kg RvnvRxKiY [Over and Under Shipment]
4. cY¨ ev †mevi wg_¨v †Nvlbv cÖ`vb [Falsely Descrived Goods & Services]
gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv
 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

91. evwbR¨ wfwËK gvwb jÛvwis (Trade Based Money Laundering) Gi †ÿ‡Î Red Flag Indicators ¸‡jv wK wK ?
Dt- evwbR¨ wfwËK gvwb jÛvwis (Trade Based Money Laundering) Gi †ÿÎ I c×wZ wPwýZ Kiv I cÖ‡qvRbxq
Suspicious Transaction Reporting (STR) ‰Zix Kivi wbwg‡Ë wb¤œiæc wb‡`©kK mg~n Abymib Kiv †h‡Z cv‡i t
1. MÖvn‡Ki e¨emvi mv‡_ mw½Znxb cb¨ RvnvRxKiY; †hgb : ˆZix †cvlvK we‡µZv KZ©„K nVvr K‡i evBmvB‡Kj ißvwb ïiæ Kiv, Z_¨
cÖhyw³ e¨emvqx KZ…©K nVvr K‡i Jla ißvwb BZ¨vw`;
2. gvwb jÛvwis Gi w`K †_‡K AZ¨waK SuywKc~b© †`‡ki mv‡_ e¨emv ïiæ Kiv;
3. gvwb jÛvwis Gi w`K †_‡K AZ¨waK SuywKc~b© †`‡ki wkwcs †Kv¤úvwb ev UªvbwRU e¨envi K‡i Avg`vbx-ißvwb Kiv;
4. MÖvnK KZ©„K Avg`vwb ißvwbi †ÿ‡Î msiwÿZ / wbwl× cb¨ ev †mevi †hgb t A¯¿, †Mvjveviæ`, mvgwiK evwnbx KZ©„K e¨eýZ
hš¿cvwZ e¨emv ïiæ Kiv;
5. m‡PZbfv‡e c‡Y¨i ev †mevi AwZ ev Ae g~j¨vwqZ Pvjvb Bmy¨KiY;
6. cY¨ ev †mevi cwigvb I cªK…wZ m¤ú‡K© evievi wg_¨v †Nvlbv cÖ`vb;
7. ‡jb‡`‡bi cÖwµqvwU AcÖ‡qvRbxqfv‡e RwUjKiY ev †jb‡`‡bi cÖK…wZ jyKv‡bvi cªqvm MÖnb;
8. A_©‰bwZK w`K †_‡K hyw³nxb RvnvRxKiY; †hgb t A‡cÿvK„Z Kg g~‡j¨i, Kg cwigvb c‡Y¨I Rb¨ hv 20 dzU K‡›UBbv‡i cwienb
m¤¢e Zv 40 dzU K‡›UBbv‡i cwienb Kiv;
9. Avg`vwbKviK-ißvwbKvi‡Ki wbqwgZ e¨emvi mv‡_ m½wZnxb cwigvb RvnvRxKiY:
10. evwbwR¨K †jb‡`b e¨emvi mv‡_ ms‡kølnxb Z…Zxq †Kvb e¨w³ ev cÖwZôv‡bi wbKU n‡Z bM` A_© MÖn‡bi e¨e¯’v ivLv;
11. evwbwR¨K †jb‡`‡b †fŠZ AeKvVv‡gv wewnb †kj †Kv¤úvwbi †mev MÖnY;
12. FYc‡µi mv‡_ m½wZnxb wkc‡g›U †jv‡Kkb ev c‡Y¨i eY©Yv;
13. ïé KZ…©c‡ÿi wbKU †NvlbvK…Z ev Avg`vwbKviK KZ©„K cwi‡kvwaZ g~‡j¨i †P‡q RvnvRx `wj‡j †ekx ev Kg g~j¨ cÖ`k©b;
14. A‡hŠw³Kfv‡e ev h_vh_ Kvib e¨wZ‡i‡K GKwU Gjwm evievi ms‡kvab;
15. wej Ae †jwWs Ges evwbwR¨K Pvjv‡b c‡Y¨I weei‡Yi †ÿÎ ¸iæZ¡c~Y© µzwU wePz¨wZ;
17. wej Ae †jwWs Ges cÖK…ZB †h cY¨ RvnvRxKiY Kiv n‡q‡Q Zvi g‡a¨ ¸iæZ¡c~Y© µzwU wePz¨wZ;
18. Avg`vwbKviK †`‡ki cwie‡Z© Z…Zxq †Kvb †`k (‡hLv‡b cÖPzi I‡qR Avb©vi i‡q‡Q ev gvwb jÛvwis cÖwZ‡iva e¨e¯’v wkw_j ) †_‡K
ißvwb Avq cÖZ¨vevmb;
92. gvwb
19. jÛvwis cÖwZ‡iva
AcÖPwjZ AvBbevGAvg`vbx;
cb¨ ißvwb KZwU aviv we`¨gvb Av‡Q?
Dt- 31 wU aviv|

93. gvwb jÛvwis cÖwZ‡iva AvBb Abyhvqx wnmve e‡Üi ci KZw`b ch©šÍ wnmve msµvšÍ Z_¨ msi¶Y Ki‡Z n‡e?
Dt- 5 eQi|

94. Aeiæ×KiY ev †µvK Av‡`k jsN‡bi kvw¯Í wK ?

Dt- †Kvb e¨w³ GB Aa¨v‡`‡ki Aax‡b †Kvb Aeiæ×KiY ev †µvK Av‡`k jsNb Kwi‡j wZwb AbwaK 3 (wZb) ermi ch©šÍ Kviv`Û ev Aeiæ×KiY
ev †µvK Av‡`kK…Z m¤úwËi g~‡j¨i mgcwigvY A_©`Û ev Dfq `‡Û `wÛZ nB‡eb|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

95. Z_¨ duvmKi‡bi kvw¯Í wK ?

Dt- AbwaK 2 (`yB) ermi Kviv`Û ev Ab~aŸ© 50(cÂvk) nvRvi UvKv A_©`Û ev Dfq `‡Û `wÛZ nB‡eb|

96. Z`‡šÍ evav ev Amn‡hvwMZv, cÖwZ‡e`‡b †cÖi‡Y e¨_©Zv ev Z_¨ mieiv‡n evav ‡`Iqvi kvw¯Í wK?
Dt- AbwaK 1 (GK) ermi Kviv`Û ev AbyaŸ© 25 (cuwPk) nvRvi UvKv A_©`Û ev Dfq `‡Û `wÛZ nB‡eb|

97. wg_¨v Z_¨ cÖ`v‡bi kvw¯Í wK ?

Dt- AbwaK 3 (wZb) ermi Kviv`Û ev Ab~aŸ© 50 (cÂvk) nvRvi UvKv A_©`Û ev Dfq `‡Û `wÛZ nB‡eb|

98. gvwb jÛvwis cÖwZ‡iva AvBb, 2012 I ms‡kvab AvBb 2015 Gi Aax‡b Acivamg~‡ni Z`šÍ I wePvi Ki‡e †K?
Dt- gvwb jÛvwis cÖwZ‡iva AvBb Gi Aax‡b Acivamg~‡ni Z`šÍ I wePvi Ki‡e wbgœiƒc e¨vw³eM© I Z`šÍKvix `j :
1. evsjv‡`k cywj‡ki Aciva Z`šÍ wefvM (Criminal Investigation Department) I BFIU KZ…©K ÿgZvcÖvß GK ev GKvwaK
Z`šÍKvix ms¯’v|
2. Criminal Law (Amendment) Act, 1958 (Act XL of 1958) Gi section 3 Gi Aaxb wbhy³ †¯úkvj RR KZ©„K wePvh©
99. gvwb jÛvwis
nB‡e|cÖwZ‡iva AvBb Gi Aaxb Acivamg~n †Kgb n‡e ?
Dt- gvwb jÛvwis cÖwZ‡iva AvBb Gi Aaxb Acivamg~n Avgj‡hvM¨ (Cognizable), A-Av‡cvl‡hvM¨ (Non‐Compoundable) Ges A-
Rvwgb‡hvM¨ (Non‐Bailable) nB‡e|
100. gvwb jÛvwis cÖwZ‡iva wi‡cvU© cÖ`vbKvix ms¯’vi `vq-`vwqZ¡ wK ?
Dt- gvwb jÛvwis cÖwZ‡iva wi‡cvU© cÖ`vbKvix ms¯’vi wbgœiƒc `vq-`vwqZ¡ _vwK‡e, h_v t-
Dnvi
K MÖvn‡Ki wnmve cwiPvjbvKv‡j Mªvn‡Ki cwiwPwZ mwVK I c~b©v½ Z_¨ msi¶Y Kiv;

L †Kvb MÖvn‡Ki wnmve eÜ nB‡j eÜ nIqvi ZvwiL nB‡Z 5(cvuP) ermi ch©šÍ D³ wnmv‡ei †jb‡`b msµvšÍ Z_¨ msi¶Y KivÕ;

M Mªvn‡Ki cwiwPwZ mwVK I c~b©v½ Z_¨ I wnmv‡ei †jb‡`b msµvšÍ Z_¨ weGdAvBBD Gi Pvwn`v †gvZv‡eK, mgqmgq, mieivn Kiv;

N †Kvb wnmve gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡b RwoZ _vwK‡Z cv‡i GBiƒc m‡›`n nB‡j ¯^-D‡`¨v‡M Awej‡¤^ BFIU ‡K AewnZ
101. †Kvb wi‡cvU©
Kiv| cÖ`vbKvix ms¯’v weavb jsNb Kwi‡j evsjv‡`k e¨vsK wK e¨e¯’v wb‡Z cv‡i?
Dt- (K) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v weavb jsNb Kwi‡j evsjv‡`k e¨vsK D³ ms¯’v‡K Ab~¨b 50 (cÂvk) nvRvi UvKv Ges m‡e©v”P 25(cuwPk)
j¶ UvKv ch©šÍ Rwigvbv Kwi‡Z cwi‡e; Ges
(L) Rwigvbvi AwZwi³ ms¯’v ev ms¯’vi †Kvb kvLv, mvwf©m †m›Uvi, ey_ ev G‡R›Ui e¨emvwqK Kvh©µ‡gi AbygwZ ev jvB‡mÝ evwZj Kwi‡Z
cvwi‡e ev †¶ÎgZ, wbeÜbKvix ev jvB‡mÝ cÖ`vbKvix KZ…©c¶‡K D³ ms¯’vi weiæ‡× h_vh_ e¨e¯’v MÖn‡Yi wbwg‡Ë welqwU AewnZ
Kwi‡e|
102. †Kvb ‡Kv¤úvbx cªZ¨¶ I c‡iv¶fv‡e gvwb jÛvwis Gi mv‡_ RwoZ _vwK‡j D³ †Kv¤úvbxi weiæ‡× wK e¨e¯’v †bqv n‡e?
Dt- †Kvb †Kv¤úvbx cÖZ¨¶ ev c‡iv¶fv‡e gvwbjÛvwis Gi mv‡_ RwoZ _vwK‡j D³ †Kv¤úvbxi wbeÜb evwZj‡hvM¨ nB‡e|

103. gvwb jÛvwis AvBb †`vlx mve¨¯Í nIqvi KZ w`‡bi g‡a¨ Avwcj Ki‡Z nq ?
Dt- 30 w`b|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

104. mš¿vm we‡ivax AvB‡bi KZwU aviv Av‡Q ?

Dt- 45 wU |

105. Zdwmj ms‡kva‡bi ÿgZv Kvi ?

Dt- miKv‡ii, miKvix †M‡R‡U cÖÁvwcZ Av‡`k Øviv, GB AvB‡bi Zdwmj ms‡kvab Kwi‡Z cvwi‡e|

106. wewa cÖYq‡bi ÿgZv Kvi ?

Dt- miKv‡ii, miKvix †M‡R‡U cÖÁvcb Øviv, GB AvB‡bi D‡Ïk¨c~iYK‡í, wewa cÖYqb Kwi‡Z cvwi‡e|

107. msMVb wbwl× Kivi ¶gZv Kvi ?

Dt- MYcÖRvš¿x evsjv‡`k miKv‡ii|

108. Òc~Y©v½ (complete)Ó Z_¨ ej‡Z wK eySvq ?

Dt- Òc~Y©v½ (complete)Ó Z_¨ ej‡Z †cÖiYKvix/Av‡e`bKvix Ges cÖvcK/‡ewbwdwmqvixi cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_¨i
mwbœ‡ek‡K eySv‡e| D`vniY¯^iƒc t †cÖiYKvix/Av‡e`bKvix Ges cÖvcK/‡ewbwdwmqvixi bvg I we¯ÍvwiZ wVKvbv, e¨vsK wnmve b¤^i (hw`
_v‡K), cvm‡cvU©/RvZxq cwiPqcÎ/Rb¥ wbeÜb mb`/MÖnY‡hvM¨ cwiwPwZg~jK Qwehy³ AvBwW KvW©, ‡dvb/‡gvevBj b¤^i BZ¨vw`| ÒmwVK
(Accurate)Ó ej‡Z c~Y©v½ Giƒc Z_¨‡K eySv‡e hvi mwVKZv hvPvB Kiv n‡q‡Q|
109. m‡›`nRbK †jb‡`b ej‡Z wK eySvq?
Dt- m‡›`nRbK †jb‡`b ej‡Z-
1. hvnv ¯^vfvweK †jb‡`b aib nB‡Z wfbœ;
2. ‡hB †jb‡`b m¤ú‡K© GBiƒc aviYv nq †h, (K) Dnv †Kvb m¤ú³ Aciva (Predicate offence) nB‡Z D™¢~Z I (L) Dnv †Kvb
mš¿vmx Kv‡h© A_©vqb ev †Kvb mš¿vmx e¨w³ ev mš¿vmx mËv‡K A_©vq‡bi mwnZ m¤úK©hy³;
3. gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwi‡iv‡a, evsjv‡`k e¨vsK KZ…©K, mg‡q mg‡q, RvwiK…Z wb‡`©kbvq ewY©Z Ab¨ †Kvb †jb‡`b ev
†jb‡`‡bi cÖ‡Póv;

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

110. gvwb jÛvwis cÖwZ‡iva AvBb Abyhvqx gvwb jÛvwis AvIZvfy³ m¤ú³ Acivamg~n (Predicate offence) KqwU I wK wK?

Dt- gvwb jÛvwis cÖwZ‡iva AvBb Abyhvqx gvwb jÛvwis Gi AvIZvfy³ m¤ú³ Acivamg~n (Predicate offence) 27 wU Ges Gi A_© wb‡gœ
D‡jøwLZ Aciva, hvnv †`‡k ev †`‡ki evwn‡i msNU‡bi gva¨‡g AwR©Z †Kvb A_© ev m¤ú` jÛvwis Kiv ev Kwievi †Póv Kiv, h_vt wbgœiƒc t-
1. `~b©xwZ I Nyl ;
2. gy`ªv RvjKiY;
3. `wjj `¯Ív‡eR RvjKiY;
4. Pvu`vevwR;
5. cÖZviYv;
6. RvwjqvwZ;
7. A‰ea A‡¯¿i e¨emv;
8. A‰ea gv`K I †bkv RvZxq `ª‡e¨I e¨emv;
9. †PvivB I Ab¨vb¨ `ª‡e¨i A‰ea e¨emv;
10. AcniY, A‰eafv‡e AvUKvBqv ivLv I cYe›`x Kiv;
11. Lyb. gvivZ¡K kvixwiK ¶wZ;
12. bvix I wkï cvPvi;
13. †PvivKvievi;
14. †`kx I we‡`kx gy`ªv cvPvi;
15. Pzwi ev WvKvwZ ev `my¨Zv ev Rj`my¨Zv ev wegvb `my¨Zv;
16. gvbe cvPvi ev †Kvb e¨w³‡K ˆe‡`wkK Kg©ms¯’v‡bi wg_¨v Avk¦vm cÖ`vb Kwiqv †Kvb A_© ev g~j¨evb `ªe¨ MÖnY Kiv ev Kwievi †Póv;
17. †hŠZyK;
18. ‡PvivPvjvbx I ïé msµvšÍ Aciva;
19. Ki msµvšÍ Aciva;
20. ‡gav¯^Z¡ jsNb;
21. mš¿vm I mš¿vmx Kv‡h© A_© †hvMvb;
22. ‡fRvj ev ¯^Z¡ jsNb K‡i cY¨ Drcv`b;
23. cwi‡ekMZ Aciva;
24. ‡hŠb wbcxb (Sexual Exploitaation);
25. cyuwR evRvi m¤úwK©Z g~j¨ ms‡e`bkxj Z_¨ Rbm¤§y‡L cÖKvwkZ nIqvi c~‡e© Zvnv Kv‡R jvMvBqv †kqvi †jb‡`bi gva¨‡g evRvi
myweav MÖnb I e¨w³MZ ev cÖvwZôvwbK myweavi j‡¶¨ evRvi wbqš¿‡bi †Póv Kiv (Insider Trading & Market
Manipulation);
26. msNe× Aciva (Organised Crime) ev msNe× Acivax `‡j AskMÖnY;
27. fxwZ cÖ`k©‡bi gva¨‡g A_© Av`vq; Ges
28. GB AvB‡b D‡Ïk¨ c~iYK‡í evsjv‡`k e¨vsK KZ…©K miKv‡ii Aby‡gv`bµ‡g †M‡R‡U cÖÁvc‡bi gva¨‡g †NvwlZ Ab¨ †h †Kvb
m¤ú„³ Aciva ;

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

111. mš¿vmx Kvh© ej‡Z wK eySvq ?

Dt- hw` †Kvb e¨w³ ev mËv ev we‡`kx bvMwiK -
K. evsjv‡`‡ki ALÛZv, msnwZ, wbivcËv ev mve©‡fŠgZ¡ wecbœ Kwievi Rb¨ Rbmvavi‡Yi †Kvb As‡ki g‡a¨ AvZsK m„wói gva¨‡g
miKvi ev Ab¨ †Kvb Kvh© Kwi‡Z ev Kiv weiZ ivwL‡Z eva¨ Kwievi D‡Ï‡k¨-
A Ab¨ †Kvb e¨w³‡K nZ¨v, ¸iæZi AvNvZ, AvUK ev AcniY K‡i ev Kwievi cÖ†Póv MÖnb K‡i; A_ev

Av Ab¨ †Kvb e¨w³‡K nZ¨v, ¸iæZi RLg, AvUK ev AcniY Kivi Rb¨ Aci †Kvb e¨w³‡K lohš¿, ev mnvqZv ev cÖ‡ivwPZ
K‡i; A_ev
B Ab¨ †Kvb e¨w³ ev mËv ev cÖRvZ‡š¿i †Kvb m¤úwËi ¶wZ mvab K‡i ev Kwievi cÖ‡Póv MÖnY K‡i; A_ev
C Ab¨ †Kvb e¨w³, mËv ev cÖRvZ‡š¿i †Kvb m¤úwËi ¶wZ mvab Kwievi D‡Ï‡k¨ lohš¿ ev mnvqZv ev cÖ‡ivwPZ K‡i; A_ev
D µwgK (A),(Av),(B) ev (C) Gi D‡Ïk¨ mvabK‡í †Kvb we‡ùviK `ªe¨, `vn¨c`v_© I †Kvb Av‡Mœqv¯¿ e¨envi K‡i ev wbR
`L‡j iv‡L;

L. Ab¨ †Kvb iv‡óªi wbivcËv wewNœZ ev Dnvi m¤úwË webó Kwievi AwfcÖv‡q µwgK (K) Gi (A),(Av),(B) ev (C) Gi Abyiyc †Kvb
Aciva msNUb K‡i ev msNU‡bi cÖ‡Póv K‡i ev D³iæc Aciva msNU‡bi Rb¨ cÖ‡ivwPZ, lohbͪ ev mnvqZv K‡i;

M. †Kvb AvšÍRvwZK ms¯’v‡K ‡Kvb Kvh© Kwi‡Z ev Kiv nB‡Z weiZ ivwLevi Rb¨ µwgK (K) Gi (A),(Av),(B) ev (C) Gi Abyiyc
†Kvb Aciva msNUb K‡i ev msNU‡bi D‡`¨vM MÖnb K‡i ev D³iæc Aciva msNU‡bi Rb¨ cÖ‡ivwPZ,lohbͪ ev mnvqZv K‡i;
N. ÁvZmv‡i †Kvb mš¿vmx m¤úwË e¨envi K‡i ev AwaKvi iv‡L;
O. RvwZmsN Kb‡fbk‡b ewY©Z †Kvb Aciva Kwi‡Z mnvqZv, cÖ‡ivwPZ ev lohbͪ K‡i ev msNUb K‡i ev msNUb Kwievi cÖ‡Póv K‡i;
P. †Kvb mk¯¿ msNvZgq ؇›Øi ˆeix cwiw¯’wZ‡Z mwµq AskMÖnY K‡ib bvB GBiyc †Kvb †emvgwiK,wKsev Ab¨ †Kvb e¨w³i g„Zy¨
NUvBevi ev gvivZœK kvixwiK RLg NUvBevi AwfcÖv‡q GBiæc †Kvb Kvh© K‡I,hvnvi D‡Ïk¨,Dnvi cªK„wZMZ ev e¨vwcÍi Kvi‡Y,‡Kvb
Rb‡Mvóx‡K fxwZ cª`k©b ev Ab¨ †Kvb miKvi ev ivóª ev †Kvb AvšÍRvwZK ms¯’v‡K ‡Kvb Kvh© Kwi‡Z ev ‡Kvb Kvh© Kiv nB‡Z weiZ
112. mš¿vmx _vwK‡Z
Kv‡h© A_©
eva¨†hvMvb
K‡i ;msµvšÍ Acivag~jK kvw¯Í wK ?
Dt- mš¿vmx Kv‡h© A_© †hvMvb msµvšÍ Acivag~jK kvw¯Í wbgœiæc t-
(A) hw` †Kvb e¨w³ mš¿vmx Kv‡h© A_© †hvMvb msµvšÍ Aciv‡a †`vlx mve¨¯Í nb,Zvn‡j wZwb Ab~aŸ© 20 (wek) ermi I Ab~¨b 4 (Pvi)
erm‡ii mkªg Kviv`‡Û `wÛZ nB‡eb Ges Dnvi AwZwi³ D³ Aciv‡ai mwnZ mswkøó m¤úwIi g„‡j¨i wظb cwigvb A_© ev
10(`k) jÿ UvKv,hvnv AwaK,A_©`Û Av‡ivc K‡i |
(Av) hw` †Kvb mIv mš¿vmx Kv‡h© A_© †hvMvb msµvšÍ Aciv‡a †`vlx mve¨¯Í nb,Zvnv nB‡j-
(K) D³ mIvi weiy‡Ø c`‡ÿc Mªnb Kiv hvB‡e (wbwl× †NvlYv I ZvwjKvf~³KiY) Ges Dnvi AwZwi³ D³ Aciv‡ai mwnZ
mswkøó m¤úwIi g„‡j¨I wZb¸b cwigvb A_© ev 50(cÂvk) jÿ UvKv,hvnv AwaK,A_©`Û Av‡ivc Kiv hvB‡e; Ges
(L) D³ mIvi cªavb,wZwb †Pqvig¨vb,e¨e¯úvcbv cwiPvjK,cªavb wbe©vwn ev Ab¨ †h †Kvb bv‡g AwfwnZ Kiv †nvK bv †Kb,
Ab~aŸ© 20 (wek) ermi I Ab~¨b 4 (Pvi) erm‡ii mkªg Kviv`‡Û `wÛZ nB‡eb Ges Dnvi AwZwi³ D³ Aciv‡ai mwnZ
mswkøó m¤úwIi g„‡j¨I wظb cwigvb A_© ev 20(wek) jÿ UvKv,hvnv AwaK,A_©`Û Av‡ivc Kiv hvB‡e, hw` bv wZwb
cªgvb Kwi‡Z e¨_© nb †h D³iƒc Aciva Zvnvi AÁvZmv‡I msNwUZ nBqvwQj ev Dnvi msNUb wbe„I Kwievi Rb¨ wZwb
mev©ZœK cª‡Póv Mªnb KwiqvwQ‡jb |

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

113. wbwl× e¨w³ ev mËv ej‡Z wK eySvq ?

Dt- wbwl× e¨w³ ev mËv ej‡Z eySvq-
1. miKvi †Kvb e¨w³ ev mËv ‡K mš¿vmx Kv‡h©i mwnZ RwoZ iwnqv‡Qb g‡g© hyw³m½Z Kvi‡Yi wfwˇZ, miKvwi †M‡R‡U cÖÁvcb Øviv
D³ e¨w³ ev mËv ‡K Zdwm‡j ZvwjKvfy³ Kwiqv, wbwl× Kwi‡j|
2. miKvi, miKvwi †M‡R‡U cÖÁvcb Øviv, †h †Kvb e¨w³ ev mËv ‡K Zdwm‡j ms‡hvRb ev Zdwmj nB‡Z ev` w`‡Z A_ev Ab¨
†Kvbfv‡e Zdwmj ms‡kvab Kwi‡j|
114. evsjv‡`k miKvi KZ©„K wbwl× msMVb KqwU I wK wK ?
Dt- evsjv‡`k miKvi KZ©„K wbwl× msMVb 7 wU hvnv wb¤œiæc t
µwgK bs mË¡vi bvg wVKvbv wbwl×Ki‡Yi ZvwiL
R‰bK wgRvbyi ingv‡bi evox,
noMÖvg bZzb cvov evBcvm
1 kvnv`vZ-B-Avj wnK&gv cvwU© evsjv‡`k 09/02/2003
moK, _vbv-ivRcvov, ivRkvnx
gnvbMi
2 RvMÖZ gymwjg RbZv evsjv‡`k (‡RGgwe) wbw`©ó wVKvbv †bB 23/02/2005
3 Rvgv'Zzj gyRv‡n`xb wbw`©ó wVKvbv †bB 23/02/2005
4 niKvZzj wRnv` Avj Bmjvgx wbw`©ó wVKvbv †bB 17/10/2005
GBP, Gg wmwÏK g¨vbmb,
55/G cyivbv cëb, XvKv Ges
5 wnReyZ Zvn&ixi evsjv‡`k 201/wm cëb UvIqvi (3q 22/10/2009
Zjv), 27 cyivbv cëb †jb,
XvKv|
115. wbwl× e¨w³ ev mËv
6 ‡K mg_© ‡ bi Aciva msNU‡bi Dcvqmg~
Avbmviæjøvn evsjv wUg (GwewU) n wK wK ? wbw`©ó wVKvbv †bB 25/05/2015
7 Avbmvi-Avj-Bmjvg wbw`©ó wVKvbv †bB 12/02/2017
Dt- wbwl× e¨w³ ev mËv ‡K mg_©‡bi Aciva msNU‡bi Dcvqmg~n wbgœiæc t-
1. hw` †Kvb e¨w³ wbwl× e¨w³ ev mËv ‡K Kwievi D‡Ï‡k¨ Kvn‡KI Aby‡iva ev Avnevb K‡ib, A_ev wbwl× e¨w³ ev mËv ‡K mg_©b
ev Dnvi Kg©KvÛ‡K MwZkxj I DrmvwnZ Kwievi D‡&χk †Kvb mfv Av‡qvRb, cwiPvjbv ev cwiPvjbvq mnvqZv K‡ib, A_ev e³„Zv
cÖ`vb K‡ib, Zvnv nB‡j wZwb Aciva msNUb Kwi‡eb|

2. hw` †Kvb e¨w³ wbwl× e¨w³ ev mËv Gi Rb¨ mg_©b Pvwnqv A_ev Dnvi Kg©KvÛ‡K mwµq Kwievi D‡Ï‡k¨ †Kvb mfvq e³„Zv K‡ib
A_ev †iwWI. †Uwjwfkb A_ev gy`ªY ev B‡jKUªwbK gva¨‡g †Kvb Z_¨ m¤cÖPvi K‡ib, Zvnv nB‡j wZwb Aciva msNUb Kwi‡eb|
116. wbwl× e¨w³ ev mËv Gi kvw¯Ímg~n wK wK ?
Dt- hw` †Kvb e¨w³ wbwl× e¨w³ ev mËv Gi mg_©‡b Aciv‡a †`vlx mve¨¯Í nb, Zvnv nB‡j wZwb AbwaK mvZ ermi I Ab~b¨ `yB ermi ch©šÍ †h
†Kvb †gqv‡`i Kviv`‡Û `wÛZ nB‡eb Ges Bnvi AwZwi³ A_©`Û I Av‡ivc Kiv hvB‡e|

117. mš¿vm we‡ivax AvBb, 2009 (2009 m‡bi 16 bs AvBb ) Gi ms‡kvabK‡í cÖYxZ AvBb 2012 I 2013 Abyhvqx Aciva
msNU‡bi loh‡š¿i kvw¯Í wK ?
Dt- hw` †Kvb e¨w³ Aciva msNVb‡K lohš¿ K‡ib, Zvnv nB‡j wZwb Aciva Kwiqv‡Qb ewjqv MY¨ nB‡eb Ges wZwb D³ Aciv‡ai Rb¨ wba©vwiZ
m‡e©v”P kvw¯Í wek ermi `yB Z…Zxqvs‡k †gqv‡`I †h †Kvb Kviv`‡Û, A_ev A_©`‡Û, A_ev Dfq `‡Û `wÛZ nB‡ebÕ Ges hw` D³ Aciv‡ai
Rb¨ wbav©wiZ kvw¯Í g„Zz¨`Û nq, Zvnv nB‡j Aciv‡ai kvw¯Í hve¾xeb Kviv`‡Û A_ev Ab~aŸ© †PŠÏ erm‡ii Kviv`Û nB‡e, wKš‘ Dnv 4 (Pvi)
erm‡ii Kg nB‡e bv|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

118. mš¿vm we‡ivax AvBb, 2009 (2009 m‡bi 16 bs AvBb ) Gi ms‡kvabK‡í cÖYxZ AvBb 2012 I 2013 Abyhvqx Acivax‡K
Avkªq cÖ`v‡bi kvw¯Í wK ?
[

Dt- hw` †Kvb e¨w³, †Kvb e¨w³ GB AvB‡bi Aax‡b Aciva msNUb Kwiqv‡Qb RvwbqvI ev D³ e¨w³ Acivax Bnv wek¦vm Kwievi hyw³m½Z KviY
_vKv m‡Ë¡I, kvw¯Í nB‡Z i¶v Kwievi AwfcÖv‡q D³ e¨w³‡K Avkªq`vb K‡ib ev jyKvBqv iv‡Lb Zvnv nB‡j wZwb

119. Kv‡`i
(A) †¶‡Î
D³ Acivax‡K Avkªg„qZcÖ
Aciv‡ai kvw¯Í `v‡bi
z¨`Û nB‡jkvw¯Í cÖ‡hvR¨
AbwaK cvuP n‡e bv ? Kviv`‡Û `wÛZ nB‡eb, Ges Bnvi AwZwi³ A_©`ÛI Av‡ivc Kiv
erm‡ii
Dt- ¯^vgx, ¯¿x, cyhvB‡e;
Î, Kb¨v,
A_evwcZv ev gvZv KZ„©K nB‡j Acivax‡K Avkªq cÖ`v‡bi kvw¯Í cÖ‡hvR¨ nB‡ebv|

D³ Aciv‡ai
(Av)Aby‡gv`b
120. Kvi e¨wZ‡i‡Kkvw¯Í
†Kvbhve¾xeb
e¨vs‡KiKviv`Û ev †h †Kvb
†Kvb `wjj †gqv‡`i
ev bw_‡Z †KvbKviv`Û
AvBb nB‡j, AbwaK
cÖ‡qvMKvix ms¯’wZb
vi cÖerm‡ii Kviv`‡Û
‡ekvwaKvi _vK‡e`wÛZ
bv ?nB‡eb;
Ges Bnvi
Dchy³ Av`vjZ ev UªAwZwi³
vBey¨bv‡jiA_©Av‡`kµ‡g
`ÛI Av‡ivcwKsev
Kiv evsjv‡`k
hvB‡e| e¨vs‡Ki Aby‡gv`b e¨wZ‡i‡K †Kvb e¨vs‡Ki †Kvb `wjj ev bw_‡Z †Kvb AvBb
Dt-
cÖ‡qvMKvix ms¯’vi cª‡ekvwaKvi _vwK‡e bv|

121. †Kvb e¨w³ ev mËv mš¿vmx Kv‡h©i mv‡_ RwoZ ewjqv Mb¨ nBevi wb‡`©kKmg~n wK wK ?
Dt- GB AvB‡bi D‡Ïk¨ c~iYK‡í, †Kvb e¨w³ ev mËv mš¿vmx Kv‡h©i mwnZ RwoZ ewjqv MY¨ nB‡e, hw` Dnv
(K) mš¿vmx Kvh© msNwUZ K‡i ev D³ Kv‡h© Ask MÖnY K‡i;
(L) mš¿vmx Kv‡h©i Rb¨ cÖ¯‘wZ MÖnY K‡i;
(M) mš¿vmx Kvh© msNU‡bi mvnvh¨ K‡i ev DrmvwnZ cÖ`vb K‡i ;
(N) mš¿vmx Kv‡h©i mwnZ RwoZ †Kvb mËv‡K mg_©b Ges mnvqZv cÖ`vb K‡i; A_ev
(O) RvwZms‡Ni wbivcËv cwil‡`i †iRy‡jkb bs 1373 (UNSCR 1373) G D‡jøwLZ wb¤œewY©Z ZvwjKvfzw³ ev wbwl‡×i gvb`‡Ûi
AvIZvfz³ nq, h_v t-
(1) hw` †Kvb e¨w³ ev mËv mš¿vmx Kvh© K‡I ev cÖ‡Póv MÖnb K‡i ev AskMÖnb K‡I ev mš¿vmx Kvh© msNU‡bi mn‡hvwMZv K‡i ;
(2) ZvwjKvfz³ ev wbwl× †NvwlZ †h †Kvb e¨w³ ev mËvi cÖZ¨ÿ ev c‡ivÿ gvwjKvbvaxb ev wbqš¿vbvaxb †Kvb mËv ;
(3) ZvwjKvfz³ ev wbwl× †NvwlZ †h †Kvb e¨w³ ev mËvi c‡ÿ ev wb‡`©‡k KvR K‡i GBiæc Ab¨ †Kvb e¨w³ ev mËv ;
(P) †Kvb mš¿vmx e¨w³ †K AvkÖq cÖ`vb K‡i ; A_ev
(Q) Ab¨ †Kvbfv‡e mš¿vmx Kv‡h©i mwnZ RwoZ _v‡K|
122. ZvwjKvfz³ e¨w³ ev wbwl× mËvi weiæ‡× miKvi wK wK e¨e¯’v MÖnY Kwi‡e ?
Dt- †Kvb e¨w³ ev mËv‡K wbwl× Kiv nB‡j miKvi, GB AvB‡b ewY©Z Ab¨vb¨ e¨e¯’v MÖnY QvovI, wbgœewY©Z c`‡¶c MÖnY Kwi‡e, h_v t-
(K) D³ mËvi Kvh©vjq, hw` _v‡K, eÜ Kwiqv w`‡e ;
(L) e¨vsK Ges Ab¨vb¨ wnmve, hw` _v‡K, Aeiæ× (freeze) Kwi‡e Ges Dnvi mKj m¤úwË Rã ev AvUK Kwi‡e ;
(M) wbwl× mËvi m`m¨‡`I †`k Z¨v‡M evav wb‡la Av‡ivc Kwi‡e ;
(N) mKj cÖKv‡ii cÖPvicÎ, †cvóvi, e¨vbvi, ALev gyw`ªZ, B‡jKUªwbK, wWwRUvj ev Ab¨vb¨ DcKiY ev‡Rqvß Kwi‡e ; Ges
(N) wbwl× mËv KZ„©K ev Dnvi c‡¶ ev mg_©‡b †h †Kvb †cÖm wee„wZi cÖKvkbv, gy`ªY ev cÖPviYv, msev` m‡¤§jb ev Rbm¤§y‡¶ e³…Zv
cÖ`vb wbwl× Kwi‡e|
123. ‡K Aciva wePv‡ii D‡Ï‡k¨ mš¿vm we‡ivax we‡kl UªvBeybvj MVb Kwi‡Z cvwi‡e?
Dt- miKvi, mivmwi †M‡R‡U cÖÁvcb Øviv, msNwUZ Aciv‡ai `ªyZ I Kvh©Ki wiPv‡ii D‡Ï‡k¨, GK ev GKvwaK mš¿vm we‡ivax we‡kl UªvBeyb¨vj
MVb Kwi‡Z cvwi‡e|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

124. we‡kl UªvBeyb¨vj KZ…©K gvgjv wb¯úwËi wba©vwiZ mgqmxgv KZ ?

Dt- 06 (Qq) gvm|

125. mš¿vmx Kg©Kv‡Û jä m¤ú` Ges mš¿vmx Kg©KvÛ nB‡Z D™¢…Z m¤ú` ev‡RqvßKi‡Yi c×wZ wK ?
Dt- mš¿vmx Kg©Kv‡Û jä m¤ú` Ges mš¿vmx Kg©KvÛ nB‡Z D™¢…Z m¤ú` ev‡RqvßKi‡Yi c×wZ wbgœiƒc t
1. †h‡ÿ‡Î wePviK GB g‡g© mš‘ó nb †h, mš¿vmx Kvh© nB‡Z m„ó ev mš¿vmx Kg©KvÛ nB‡Z D™¢…Z nBevi Kvi‡Y †Kvb m¤úwË Rã ev
†µvvK Kiv nBqv‡Q, †mB‡ÿ‡Î wZwb D³ m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡Z cvwi‡eb|
2. µwgK (1) Gi Aax‡b mš¿vmx Kg©Kv‡Û jä m¤ú` Ges mš¿vmx Kg©KvÛ nB‡Z m„ó †Kvb m¤úwË ev‡Rqvß Kiv nB‡j, †h mËvi wbKU
nB‡Z D³ m¤úwË ev‡Rqvß nB‡e, †mB mËvi weiæ‡× mš¿vm we‡ivax AvB‡bi aviv 18 I 20 G ewY©Z AvBbvbyM e¨e¯’v (wbwl× †NvlYv
I ZvwjKvf~³KiY) miKvi KZ©„K MÖnY Ki‡Z cv‡i|
3. mš¿vm we‡ivax AvB‡bi aviv 34 Gi Dc-aviv (4) Abyhvqx RãK…Z m¤ú` mswkøó Pzw³, Kb‡fbkb ev RvwZms‡Ni wbivcËv cwil`
KZ©„K M„nxZ mswkøó †iRy‡jk‡bi Av‡jv‡K mswkøó Av`vjZ KZ©„K ev‡Rqv߇hvM¨ I wb®úwˇhvM¨ nB‡e|
4. ev‡RqvßK…Z m¤ú‡` †`vlx e¨w³ ev mËv e¨ZxZ Ab¨ †Kvb e¨w³ ev mËvi ¯^Z¡, ¯^v_© ev AwaKvi _vwK‡j Dnv mswkøó Av`vjZ KZ„©K
†diZ‡hvM¨ nB‡e|
126. m¤úwË ev‡RqvßKiY Av‡`‡ki KZ w`‡bi g‡a¨ Avcxj Kiv hvq ?
Dt- ev‡RqvßKiY Av‡`k Øviv ms¶y× †Kvb e¨w³ D³ Av‡`k cÖvwßi ZvwiL nB‡Z 30 w`‡bi g‡a¨ nvB‡KvU© wefv‡M Avcxj Kwi‡Z cvwi‡e|

127. we‡lk UªvBeyb¨vj Kvh©µ‡g wKfv‡e Kvh©wewa cÖ‡qvR¨ nB‡e ?

Dt- we‡lk UªvBeyb¨vj Kvh©µ‡g Kvh©wewa wb¤œwjwLZfv‡e cÖ‡qvR¨ nB‡et-

(K) †dŠR`vix Kvh©wewai weavbvejx, hZ`~i m¤¢e, GB AvB‡bi weavbejxi mwnZ AmsMwZc~Y© bv nIqv mv‡c¶, we‡kl UªvBeyb¨v‡ji
Kvh©µ‡g cª‡hvR¨ nB‡e, Ges Avw` GLwZqvi cÖ‡qvMKvix `vqiv Av`vj‡Zi mKj ¶gZv D³ we‡kl UªvBeyb¨v‡ji _vwK‡e|

(L) we‡kl UªvBeyb¨v‡ji miKvi c‡¶ gvgjv cwiPvjbvKvix e¨w³ cvewjK cÖwmwKDUi ewjqv MY¨ nB‡eb|

128. evsjv‡`k e¨vsK KZ bs mvKz©jvi †jUv‡i Õgvwb jÛvwis cÖwZ‡iva wefvMÕ Gi ¯’‡j evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbUÕ
e¨envi Ki‡Z ejv n‡qwQj ?
Dt- weGdAvBBD mvKz©jvi †jUvi bs-1/2012, ZvwiL: 30 Rvbyqvix, 2012|
|
129. evsjv‡`k e¨vsK KZ bs mvKz©jvi †jUv‡i Õgvwb jÛvwis cÖwZ‡iva wefvMÕ Gi ¯’‡j evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbUÕ
e¨envi Ki‡Z ejv n‡qwQj ?
Dt- weGdAvBBD mvKz©jvi †jUvi bs-1/2012, ZvwiL: 30 Rvbyqvix, 2012|

130. |False Positive wK ?

Dt- ÒBwZevPK c`‡ÿ‡ci fzj cÖ‡qvM (False Positive) A_© GBiƒc Kvh©µg hvnv‡Z †Kv‡bv wnmve cÖv_wgK Z‡_¨i wfwˇZ Aeiæ×
ev ¯’wMZ Kiv nB‡jI cieZ©x ch©v‡jvPbv ev AwZwi³ we‡køl‡Y D³ Aeiæ×KiY ev ¯’wMZKiY mwVK nqwb g‡g© cÖZxqgvb nq|

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv

 mvD_ evsjv GwMÖKvjPvi GÛ Kgvm© e¨vsK wjt
GGgGj GÛ wmGdwU wWwfkb, cÖavb Kvh©vjq, XvKv|

131. Af¨šÍixY wbixÿv wefvM I gvwb jÛvwis cÖwZ‡iva wWwfkb KZ©„K wK‡mi wfwˇZ ev wK Dcv‡q gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwi‡iv‡a kvLvi Ae¯’vb g~j¨vqb K‡ib ?
Dt- Af¨šÍixY wbixÿv wefvM I gvwb jÛvwis cÖwZ‡iva wWwfkb Independent Testing Procedures Gi wba©vwiZ †PKwjó Gi wfwˇZ mswkøó
kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg mswkøó welqvw` cixÿv K‡i I kvLvi ‡iwUs wbY©q K‡i|
µwgK cwi`k©b †ÿÎ eivÏK…Z †gvU b¤^i
1 kvLv cwicvjb Kg©KZ©v g~j¨vqb 6
2 MÖvnK cwiwPwZ (KYC) 26
3 †jb‡`b gwbUwis 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 5
7 GGgGj/wmGdwU wel‡q Kg©KZ©v/Kg©Pvix‡`i Ávb I m‡PZbZv 4
8 †iKW© msiÿY 5
9 wbixÿv, cwi`k©b I Ab¨vb¨ 8
kvLvi ‡iwUs t
‡¯‹vi †iwUs

90+-100 kw³kvjx (Strong)

70+-90 m‡šÍvlRbK (Satisfactory)

55+-70 †gvUvgywU fvj (Fair)

40+-55 cÖvwšÍK (Marginal)
40 I Gi bx‡P Am‡šÍvlRbK (Unsatisfactory)

gvwb jÛvwis I mš¿vmx Kv‡h© A_©vqb wehqK cÖkœ I DËi gvjv