NFNJQKLCVN JH VLCFQYSKLCMLD

PFSQJHFYS 10;=

Pkck tklddkb . . . . . . . . . . . . . . 10;=, cmlyktkgkl akewk nksmld-nksmld pmekg ykld afrtklck

tkldkl cmakwke mlm?
;. Lknk ? ....................
...........................................
.............................................
............................................
............................................
.............................
.......
Okaktkl ? ...................
..........................................
.............................................
............................................
............................................
..................................
............
Gjltkg ? ....................
..........................................
............................................
............................................
............................................
..................................
............
Kbknkt ? ..........................................
................................................................
............................................
............................................
..................................
............
]kld sfbkloutlyk ckbkn Yurkt Pfroklomkl Gfroksknk mlm, cmsfaut sfakdkm Pmekg Pfrtknk.
1. Lknk ? .......................
..............................................
.............................................
............................................
............................................
..............................
........
Okaktkl ? ....................
..........................................
............................................
.............................................
.............................................
.................................
...........
Gjltkg ? ....................
..........................................
............................................
............................................
............................................
..................................
............
Kbknkt ? ..........................................
................................................................
.............................................
.............................................
.................................
...........
nflyktkgkl afrsfcmk ultug afrpkrtmsmpksm ckbkn kikrk PFSQJHFYS 10;= sfakdkm
spjlsjr.
Oflms gktfdjrm spjlsjr ykld cmpmbme?
 ( ... ) Cmknjlc

 ( ... ) Pbktmlun
 ( ... ) Djbc
 ( ... ) Ymbvfr
 ( ... ) Nkml Fvflt Ypjlsjr
 ( ... ) Cjlktur/Mlcmvmcukb

Gfroksknk ykld cmafrmgkl afrupk ? ...............................................

.......................................................................
...........................
...
Ounbke ? ..........................................
................................................................
................................
..........
Sframbkld ? ..........................................
................................................................
................................
..........
]kld sfbkloutlyk ckbkn Yurkt Pfroklomkl Gfroksknk mlm, cmsfaut sfakdkm Pmekg Gfcuk.
 Pkskb ;
Qukld Bmldgup Gfroksknk
Yfbknk nksk pfroklomkl afrbkgu, Pmekg Gfcuk afrtmlckg sfakdkm pmekg pflcuguld gfdmktkl
ultug gfpfltmldkl Pmekg Pfrtknk ckbkn?
Lknk Kikrk ? PFSQJHFYS 10;=
Sklddkb ? Gknms, 9; Jgtjafr 10;= ’ Ykatu, 1 Ljvfnafr 10;=
Sfnpkt ? Hkgubtks Sfglmg Vlmvfrsmtks Mlcjlfsmk, Cfpjg, Okwk Akrkt

Pkskb 1
Gfwkomakl ckl Ekg
;. Pmekg Pfrtknk sfakdkm pklmtmk pfbkgsklk afrgfwkomakl nfnafrmgkl gjltrkprfstksm
gfpkck Pmekg Gfcuk afrupk?
k. Pbktmlun
 Nflikltungkl lknk pfruskekkl/mlstklsm pkck oucub gfdmktkl.
 Nfnprjnjsmgkl sbmcf pkck mlhjgus sfnuk gfdmktkl
 Nflikntungkl lknk ckl bjdj pfruskekkl pkck MC ikrc, S-semrt, sfrtmhmgkt,
djjcmf akd, ckl abjig ljtf cfldkl ugurkl UB. Gftfrkldkl ugurkl
cmsfsukmgkl cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflikntungkl lknk ckl bjdj pfruskekkl pkck fvflt bfkhbft, fvflt pjstfr,
fvflt ckl strfft akllfr, sfrtk fvflt akigcrjp cfldkl ugurkl UB. Gftfrkldkl
ugurkl cmsfsukmgkl cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflckpktgkl kcbmps pkck sftmkp fvflt sfaklykg 6 gkbm
 Nflikntungkl vmcfj prjhmb pfruskekkl sfaklykg 1 gkbm pkck sftmkp fvflt
(vmcfj prjhmb cmafrmgkl jbfe pfruskekkl gfpkck pklmtmk)
 Nfnkskld x-akllfr spjlsjr sfaklykg tjtkb 8 auke (x-akllfr spjlsjr
cmafrmgkl jbfe pfruskekkl gfpkck pklmtmk)
 Ypjlsjr kgkl nflckpktgkl bkpjrkl gfdmktkl sfikrk rmlim ckrm pklmtmk =0 ekrm
sftfbke sfburue rkldgkmkl gfdmktkl cmbkgsklkgkl.
 Ekb-ekb bkml nfldflkm gfroksknk mlm ckpkt cmgjlhmrnksmgkl bfame bklout.

a. Cmknjlc
 Nflikltungkl lknk pfruskekkl/mlstklsm pkck oucub gfdmktkl.
 Nfnprjnjsmgkl sbmcf pkck mlhjgus sfnuk gfdmktkl
  Nflikntungkl lknk ckl bjdj pfruskekkl pkck MC ikrc, S-semrt, sfrtmhmgkt,
djjcmf akd, ckl abjig ljtf cfldkl ugurkl B. Gftfrkldkl ugurkl cmsfsukmgkl
cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflikntungkl lknk ckl bjdj pfruskekkl pkck fvflt bfkhbft, fvflt pjstfr,
fvflt ckl strfft akllfr, sfrtk fvflt akigcrjp cfldkl ugurkl B. Gftfrkldkl
ugurkl cmsfsukmgkl cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflckpktgkl kcbmps pkck sftmkp fvflt sfaklykg 6 gkbm
 Nflikntungkl vmcfj prjhmb pfruskekkl sfaklykg ; gkbm pkck sftmkp fvflt
(vmcfj prjhmb cmafrmgkl jbfe pfruskekkl gfpkck pklmtmk)
 Nfnkskld x-akllfr spjlsjr sfaklykg tjtkb 3 auke (x-akllfr spjlsjr
cmafrmgkl jbfe pfruskekkl gfpkck pklmtmk)
 Ypjlsjr kgkl nflckpktgkl bkpjrkl gfdmktkl sfikrk rmlim ckrm pklmtmk =0 ekrm
sftfbke sfburue rkldgkmkl gfdmktkl cmbkgsklkgkl.
 Ekb-ekb bkml nfldflkm gfroksknk mlm ckpkt cmgjlhmrnksmgkl bfame bklout

i. Djbc
 Nflikltungkl lknk pfruskekkl/mlstklsm pkck oucub gfdmktkl.
 Nfnprjnjsmgkl sbmcf pkck mlhjgus sfnuk gfdmktkl
 Nflikntungkl lknk ckl bjdj pfruskekkl pkck MC ikrc, S-semrt, sfrtmhmgkt,
djjcmf akd, ckl abjig ljtf cfldkl ugurkl N. Gftfrkldkl ugurkl cmsfsukmgkl
cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflikntungkl lknk ckl bjdj pfruskekkl pkck fvflt bfkhbft, fvflt pjstfr,
fvflt ckl strfft akllfr, sfrtk fvflt akigcrjp cfldkl ugurkl N. Gftfrkldkl
ugurkl cmsfsukmgkl cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflckpktgkl kcbmps pkck sftmkp fvflt sfaklykg 9 gkbm
 Nfnkskld x-akllfr spjlsjr sfaklykg tjtkb 1 auke (x-akllfr spjlsjr
cmafrmgkl jbfe pfruskekkl gfpkck pklmtmk)
 Ypjlsjr kgkl nflckpktgkl bkpjrkl gfdmktkl sfikrk rmlim ckrm pklmtmk =0 ekrm
sftfbke sfburue rkldgkmkl gfdmktkl cmbkgsklkgkl.
 Ekb-ekb bkml nfldflkm gfroksknk mlm ckpkt cmgjlhmrnksmgkl bfame bklout.

c. Ymbvfr
 Nflikltungkl lknk pfruskekkl/mlstklsm pkck oucub gfdmktkl.
 Nfnprjnjsmgkl sbmcf pkck mlhjgus sfnuk gfdmktkl
  Nflikntungkl lknk ckl bjdj pfruskekkl pkck MC ikrc, S-semrt, sfrtmhmgkt,
djjcmf akd, ckl abjig ljtf cfldkl ugurkl Y. Gftfrkldkl ugurkl cmsfsukmgkl
cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflikntungkl lknk ckl bjdj pfruskekkl pkck fvflt bfkhbft, fvflt pjstfr,
fvflt ckl strfft akllfr, sfrtk fvflt akigcrjp cfldkl ugurkl Y. Gftfrkldkl
ugurkl cmsfsukmgkl cfldkl cfsmdl jbfe tmn cfsmdl pklmtmk PFSQJHFYS
 Nflckpktgkl kcbmps pkck sftmkp fvflt sfaklykg 6 gkbm
 Nfnkskld x-akllfr spjlsjr sfaklykg tjtkb ; auke (x-akllfr spjlsjr
cmafrmgkl jbfe pfruskekkl gfpkck pklmtmk)
 Ypjlsjr kgkl nflckpktgkl bkpjrkl gfdmktkl sfikrk rmlim ckrm pklmtmk =0 ekrm
sftfbke sfburue rkldgkmkl gfdmktkl cmbkgsklkgkl.
 Ekb-ekb bkml nfldflkm gfroksknk mlm ckpkt cmgjlhmrnksmgkl bfame bklout.

f. Nkml Fvflt Ypjlsjr

 Cmpuabmgksmgkl pkck skkt kikrk afrbkldsuld nfbkbum BIC
 Nfnkskld x-akllfr spjlsjr nkml fvflt cm Fvflt ykld afrskldgutkl.
 Bjdj spjlsjr tfrikltun akigcrjp, spklcug, pjstfr, akllfr, mc-ikrc cfldkl
gftfltukl ?
- Nktfrmkb ckl cfskml cmsfcmkgkl jbfe pklmtmk, gfiukbm sucke cmtfltugkl cfldkl
gftfltukl unun. Pflkwkrkl mlm afrsmhkt hbfgsmafb, amsk cmktur sfsukm
gfsfpkgktkl afrsknk.
- Pkokg ykld cmsfakagkl jbfe pfnkskldkl skrklk prjnjsm cmtkldduld jbfe
spjlsjr
 Pkrtmimpktmjl ckpkt afgfrok sknk ckbkn afltug?

- pflyfcmkkl gjlsunsm
- pflyfcmkkl skrklk ckl prkskrklk kikrk
- pfbkyklkl oksk ykld nflcuguld gfdmktkl
- pfnafrmkl prjcug ckrm pfruskekkl/mlstklsm ykldafrskldgu
ykldafrskldgutkl
tkl
 Akrtfr prjnj.
prjnj.

h. Cjlktur/Mlcmvmcukb

1. Pmekg Pfrtknk sfakdkm pklmtmk pfbkgsklk afrekg nflckpktgkl prfstksm ckrm Pmekg

Gfcuk afrupk?
 k. Nktfrm mgbkl afrafltug bjdj, lknk pfruskekkl, lknk prjcug ckl cfskmllyk tfbke
cmtfrmnk pklmtmk pkbmld bknakt ; nmlddu sftfbke pflklcktkldklkl gjltrkg, nfbkbum
fnkmb ktku cmsfrkegkl bkldsuld pkck skkt afrtfnu cfldkl pklmtmk

Pkskb 9
Ikrk Pfnakykrkl
;. Pfnakykrkl ukld nugk gjltrkg nmlmnkb 30% ckrm gfsfburuekl ounbke ykld ekrus
cmakykrgkl ckl cmbkgugkl nkgsmnkb 1 nmlddu sftfbke pflklcktkldkl gjltrkg, ktku
sfakdkmnklk cmcmsgusmgkl kltkrk pmekg pfrtknk ckl pmekg gfcuk.
1. Pfbulkskl sfafskr 80% ckrm amkyk tjtkb cmakykr pkbmld bknakt 1 nmlddu sfafbun
pfbkgsklkkl gfdmktkl.
9. Pfnakykrkl ckpkt cmbkgugkl cmtuouggkl gfpkck?
Lknk ? Qkmsk Kubmk Eklmhke
Okaktkl ? Cmrfitjr jh Hmlklif
Aklg/Lj. Qfgflmld ? ALM/043=59;393
ALM/043=59;393
3. Gjlhmrnksm pfnakykrkl ckpkt cmbkgugkl cfldkl nfldeuauldm?
 Yfptmklk Irmstk Cfajrk (Nklkdfr jh Ypjlsjrsemp)
+815655;8151=5
 Qkmsk Kubmk Eklmhke (Cmrfitjr jh Hmlklif)
+8154455163131

Pkskb 3
Pfnaktkbkl Gfroksknk
;.
Pfnaktkbkl jbfe pmekg spjlsjr cmbkgugkl sfbknakt-bknaktlyk pkck tklddkb 90
Yfptfnafr 10;=. Akdm spjlsjr ykld tfbke nfnakykr
nfnak ykr ukld nugk, nkgk ;00% nflokcm
ekg pklmtmk.
1. Pfnaktkbkl ykld cmbkgugkl jbfe pklmtmk, nkgk amkyk kgkl cmgfnakbmgkl sfpfluelyk
tklpk kck dkltm rudm.

Pkskb 6
Okldgk Tkgtu

Pfroklomkl gfroksknk mlm afrbkgu sfokg cmtklcktkldklmlyk Yurkt Pfroklomkl Gfroksknk sknpkm
gfcuk afbke pmekg nflyfbfskmgkl gfwkomakl ykld tfbke cmsfpkgktm afrsknk.
 Pkskb 8
H jr if N ko fur
urff
Gfcuk afbke pmekg sfpkgkt ultug nfldkckgkl pfruakekl ckbkn NJV mlm, kpkambk
cmgfnucmkl ekrm tfrokcm Hjrif Nkofurf
Nkofurf,, ykmtu ekb-ekb ykld ckpkt nfnpfldkruem okbkllyk
kikrk pkck tklddkb ckl kikrk pflulokldlyk, sfpfr
sfpfrtm?
tm? dfnpk, aklomr, tklke bjldsjr, euru-ekrk
sfrtk gfokcmkl ckl hfljnflk bkml ykld cmbukr gfnknpukl gfcuk afbke pmekg.

Pkskb 4
Bkml-Bkml
Yfdkbk sfsuktu ykld pfrbu ckl afbun cmktur ckbkn Yurkt Pfroklomkl Gfroksknk mlm, kgkl cmktur
ckl cmtfltugkl gfnucmkl sfikrk nusykwkrke nuhkgkt sfrtk eksmblyk kgkl cmtukldgkl gf
ckbkn suktu kccflcun (pfroklomkl tknakekl) ckl nfrupkgkl akdmkl ykld tmckg tfrpmskegkl
ckrm surkt pfroklomkl gfroksknk mlm.

Pkskb 5
Pflutup
Cfnmgmkl Yurkt Pfroklomkl Gfroksknk mlm cmaukt rkldgkp cuk ykld sknk aulymlyk ckl cmtklck
tkldklm gfcuk afbke pmekg cfldkl nktfrkm Qp 8.000,00 ckl nfnpulykm gfguktkl eugun ykld
sknk.

Okgkrtk, . . . . . . …10;=

( ) ( )
Pmekg Pfrtknk Pmekg Gfcuk