evsjv‡`k e¨vsK

(†m›Uªvj e¨vsK Ae evsjv‡`k)

cÖavb Kvh©vjq
gwZwSj, XvKv-1000
‡µwWU M¨vivw›U wWcvU©‡g›U
evsjv‡`k
website: www.bb.org.bd

8 b‡f¤^i 2023
wmwRwW mvKz©jvi bs- 01
ZvwiL : -----------------
23 KvwZ©K 1430

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

evsjv‡`‡k Kvh©iZ mKj Zdwmwj e¨vsK I Avw_©K cÖwZôvb

wcÖq g‡nv`q,
KzwUi, gvB‡µv, ÿz`ª I gvSvwi D‡`¨vM (wmGgGmGgB) Ges Avw_©K
AšÍf©yw³ Lv‡Z †µwWU M¨vivw›U myweav cÖ`vb msµvšÍ gv÷vi mvK©yjvi

KzwUi, gvB‡µv, ÿz`ª I gvSvwi D‡`¨vM (wmGgGmGgB) Lv‡Z bvix D‡`¨v³v‡`i e¨vsK I Avw_©K cÖwZôvb n‡Z FY MÖn‡Yi
†ÿ‡Î RvgvbZ cÖ`v‡bi eva¨evaKZv‡K Ab¨Zg cÖwZeÜKZv wn‡m‡e we‡ePbv Kiv nq| e¨vsK I Avw_©K cÖwZôvb n‡Z bvix
D‡`¨v³v‡`i RvgvbZwenxb FY myweavcÖvwß mnRZi Kivi j‡ÿ¨ United Nations Capital Development Fund (UNCDF)
Gi A_©vq‡b evsjv‡`k e¨vsK KZ©„K ‘Local Finance Initiatives (LFI) Support to SMEs in Bangladesh’ kxl©K GKwU
cvBjU †µwWU M¨vivw›U w¯‹g 2016-2019 mg‡q mdjfv‡e ev¯Íevqb Kiv nq|

2| cieZ©x‡Z, b‡fj K‡ivbv fvBivm Gi cÖv`yf©v‡ei Kvi‡Y ÿwZMÖ¯Í A_©‰bwZK Kg©KvÛ cybiæ¾xweZKi‡Yi j‡ÿ¨ KzwUi,
gvB‡µv I ÿz`ª (wmGgGm) wkí D‡`¨v³v‡`i mÿgZv Aÿzbœ I Drcv`bkxj Kvh©µg Ae¨vnZ ivLvi gva¨‡g A_©‰bwZK cÖe„w×
AR©‡bi j‡ÿ¨ GmGgBGmwcwW mvK©yjvi bs-03, ZvwiL: 27 RyjvB 2020 Gi gva¨‡g ÔKzwUi, gvB‡µv I ÿz`ª (wmGgGm) D‡`¨vM
Lv‡Z ‡µwWU M¨vivw›U w¯‹gÕ Pvjy Kiv nq| D³ w¯‹‡gi AvIZvq 13 GwcÖj 2020 Zvwi‡Li GmGgBGmwcwW mvK©yjvi bs-01 Gi
gva¨‡g wmGgGmGgB Lv‡Z †NvwlZ 20,000 †KvwU UvKvi Avw_©K mnvqZv c¨v‡K‡Ri wecix‡Z wmGgGm D‡`¨vM Lv‡Z ‡µwWU
M¨vivw›U myweav cÖ`vb Kiv nq hvi †gqv` 30 Ryb 2023 Zvwi‡L †kl n‡q‡Q| GiB avivevwnKZvq 23 Rvbyqvwi 2022 Zvwi‡Li
GmGgBGmwcwW mvK©yjvi bs-01 Gi gva¨‡g 10/50/100 UvKvi wnmveavix cÖvwšÍK/f~wgnxb K…lK, wb¤œ Av‡qi †ckvRxex, ¯‹zj
e¨vswKs wnmveavix I ÿz`ª e¨emvqx‡`i Rb¨ 500 †KvwU UvKvi cybtA_v©qb w¯‹g Ges 10 AvM÷ 2022 Zvwi‡Li wmwRwW mvK©yjvi
bs-02 Gi gva¨‡g wmGgGmGgB Lv‡Z 25,000 ‡KvwU UvKvi cÖvK-A_©vqb w¯‹‡gi AvIZvq F‡Yi wecix‡Z †µwWU M¨vivw›U myweav
cÖ`vb msµvšÍ bxwZgvjv Rvwi Kiv nq|

3| m¤úªwZ, GmGgBGmwcwW mvK©yjvi ‡jUvi bs-06, ZvwiLt 25 Ryb 2023 Gi gva¨‡g bvix D‡`¨v³v‡`i Rb¨ ¯§j
G›UvicÖvBR Lv‡Z 3,000 †KvwU UvKvi Ges GmGgBGmwcwW mvK©yjvi ‡jUvi bs-10, ZvwiLt 01 A‡±vei 2023 Gi gva¨‡g
K…wlRvZ cY¨ cÖwµqvRvZ Kivi Rb¨ 1,400 †KvwU UvKvi `ywU cybtA_©vqb w¯‹g MVb Kiv n‡q‡Q| bvix D‡`¨v³v‡`i AbyK~‡j FY
cÖevn e„w× Kivi gva¨‡g A_©‰bwZK Kg©Kv‡Û Zv‡`i AskMÖnY e„w× Ges K…wl Lv‡Z Drcvw`Z cY¨ cÖwµqvRvZKiY wk‡íi weKv‡k
mnvqZv cÖ`vb Kivi gva¨‡g K…wlwfwËK wk‡íi Dbœqb I ißvwb eûgyLxKi‡Yi j‡ÿ¨ D³ `yÕwU w¯‹‡gi AvIZvq D‡`¨v³v‡`i
AbyK~‡j RvgvbZwenxb F‡Yi wecix‡ZI †µwWU M¨vivw›U myweav cÖ`vb Kivi wm×všÍ M„nxZ n‡q‡Q|
4| ewY©Zve¯’vq, Aby‡”Q` bs-3 G DwjøwLZ `yÕwU cybtA_©vqb w¯‹‡gi wecix‡Z †µwWU M¨vivw›U myweavmn ‡µwWU M¨vivw›U
wWcvU©‡g›U KZ©„K †µwWU M¨vivw›U myweavm¤^wjZ B‡Zvc~‡e© RvwiK…Z bxwZgvjvmg~n cwigvR©b K‡i mgwš^Z bxwZgvjv cÖ`vb Kiv n‡jv:
4.1| AskMÖnY Pzw³:
(K) wmGgGmGgB Lv‡Z 25,000 †KvwU UvKvi cÖvK-A_©vqb w¯‹g, 10/50/100 UvKvi wnmveavix cÖvwšÍK/f~wgnxb K…lK,
wb¤œ Av‡qi †ckvRxex, ¯‹zj e¨vswKs wnmveavix I ÿz`ª e¨emvqx‡`i Rb¨ 500 †KvwU UvKvi cybtA_v©qb w¯‹g, bvix D‡`¨v³v‡`i Rb¨
¯§j G›UvicÖvBR Lv‡Z 3,000 †KvwU UvKvi cybtA_©vqb w¯‹g Ges K…wlRvZ cY¨ cÖwµqvRvZ Kivi Rb¨ 1,400 †KvwU UvKvi
cybtA_©vqb w¯‹‡gi AvIZvq Dchy³ D‡`¨v³v‡`i RvgvbZwenxb F‡Yi wecix‡Z ‡µwWU M¨vivw›U myweav MÖn‡Yi j‡ÿ¨
e¨vsK/Avw_©K cÖwZôvbmg~n‡K ‡µwWU M¨vivw›U wWcvU©‡g‡›Ui mv‡_ AskMÖnY Pyw³ (Participation Agreement) m¤úv`b Ki‡Z
n‡e; Ges

1
 (L) †h mKj e¨vsK/Avw_©K cÖwZôvb B‡Zvg‡a¨ ewY©Z w¯‹‡gi AvIZvq †µwWU M¨vivw›U wWcvU©‡g›U Gi mv‡_ AskMÖnY Pzw³
m¤úv`b K‡i‡Q Zv‡`i‡K (Participating Financial Institution, ms‡ÿ‡c wcGdAvB) bZzb K‡i Pzw³ m¤úv`b Ki‡Z n‡e
bv| Z‡e, bvix D‡`¨v³v‡`i Rb¨ ¯§j G›UvicÖvBR Lv‡Z 3,000 †KvwU UvKvi Ges K…wlRvZ cY¨ cÖwµqvRvZ Kivi Rb¨ 1,400
†KvwU UvKvi cybtA_©vqb w¯‹‡gi AvIZvq AÎ mvK©yjv‡ii gva¨‡g bZzbfv‡e ‡µwWU M¨vivw›U myweav cÖ`vb Kiv n‡q‡Q weavq ewY©Z
`ywU w¯‹‡gi AvIZvq M¨vivw›U myweav MÖn‡Yi j‡ÿ¨ e¨vsK/Avw_©K cÖwZôvbmg~n‡K ‡µwWU M¨vivw›U wWcvU©‡g›U Gi mv‡_ AskMÖnY
Pyw³ m¤úv`b Ki‡Z n‡e|
4.2| ‡µwWU M¨vivw›U myweav MÖn‡Yi Rb¨ Dchy³ FYMÖnxZv: GmGgBGmwcwW mvK©yjvi bs-04/2022, GmGgBGmwcwW
mvK©yjvi ‡jUvi bs-06/2023, GmGgBGmwcwW mvK©yjvi ‡jUvi bs-10/2023 Ges GdAvBwW mvK©yjvi bs-01/2021 Gi gva¨‡g
cÖewZ©Z cybtA_©vqb/cÖvK-A_©vqb w¯‹‡gi AvIZvq FY MÖn‡Yi Rb¨ Dchy³ FYMÖnxZvMY ‡µwWU M¨vivw›U myweav MÖn‡Yi Rb¨ †hvM¨
g‡g© we‡ewPZ n‡eb| Z‡e, GKRb FYMÖnxZv ïaygvÎ GKwU w¯‹‡gi AvIZvq GKB D‡`¨vM/cÖK‡íi AbyK~‡j PjwZ g~jab I †gqvw`
F‡Yi wecix‡Z †µwWU M¨vivw›U myweav MÖnY Ki‡Z cvi‡eb|
4.3| †µwWU M¨vivw›Ui †gqv`: cÖv_wgKfv‡e cybtA_©vqb/cÖvK-A_©vqb w¯‹‡gi AvIZvq cÖ`Ë F‡Yi †gqv`B n‡e M¨vivw›Ui
†gqv`| wbav©wiZ ‡gqv‡`i g‡a¨ †Kvb FY m¤ú~Y© Av`vq n‡j mswkøó F‡Yi M¨vivw›Ui †gqv` ¯^qswµqfv‡e †kl n‡e| Z‡e, †Kvb FY
cybtZdwmj/cybM©Vb/bevqb Kiv n‡j, cybtwba©vwiZ †gqv` M¨vivw›Ui †gqv` wn‡m‡e MY¨ n‡e| cybtZdwmj/cybM©Vb/bevqb Gi
gva¨‡g F‡Yi †gqv` e„w×i †ÿ‡Î mswkøó e¨vsK/Avw_©K cÖwZôvb‡K ‡µwWU M¨vivw›U wWcvU©‡g›U n‡Z M¨vivw›Ui †gqv`I e„w× K‡i
wb‡Z n‡e Ges ewa©Z mg‡qi Rb¨ M¨vivw›U wd cÖ`vb Ki‡Z n‡e|
4.4| †µwWU M¨vivw›U K¨vc: ewY©Z ‡µwWU M¨vivw›U w¯‹‡gi AvIZvq cÖ`Ë M¨vivw›U myweavi wecix‡Z M¨vivw›U †cvU©‡dvwjI
K¨vc n‡e G wWcvU©‡g›U KZ©„K GKwU wbw`©ó K¨v‡jÛvi eQ‡i Aby‡gvw`Z †gvU M¨vivw›Ui m‡e©v”P 30 kZvsk| D³ M¨vivw›U
†cvU©‡dvwjI K¨vc Gi AvIZvq †Kvb GKK D‡`¨v³v ev FYMÖnxZvi †ÿ‡Î M¨vivw›U Kfv‡iR Gi nvi n‡e wb¤œiƒc:
(K) wmGgGmGgB Lv‡Z 25,000 †KvwU UvKvi cÖvK-A_©vqb w¯‹g, bvix D‡`¨v³v‡`i Rb¨ ¯§j G›UvicÖvBR Lv‡Z 3,000
†KvwU UvKvi cybtA_©vqb w¯‹g Ges K…wlRvZ cY¨ cÖwµqvRvZ Kivi Rb¨ 1,400 †KvwU UvKvi cybtA_©vqb w¯‹‡gi AvIZvq mswkøó
e¨vsK/Avw_©K cÖwZôv‡bi M¨vivw›U †cvU©‡dvwjI K¨vc Gi wecix‡Z †Kvb GKK D‡`¨v³v ev FYMÖnxZvi †ÿ‡Î M¨vivw›U Kfv‡iR Gi
nvi n‡e ‡gvU e‡Kqv Avmj (Outstanding Principal Amount) FYw¯’wZi m‡e©v”P 70 kZvsk; Ges
(L) Avw_©K †mevfzw³ Lv‡Z 500 †KvwU UvKvi cybtA_©vqb w¯‹‡gi AvIZvq mswkøó e¨vs‡Ki M¨vivw›U †cvU©‡dvwjI K¨vc Gi
wecix‡Z †Kvb GKK D‡`¨v³v ev FYMÖnxZvi †ÿ‡Î M¨vivw›U Kfv‡iR Gi nvi n‡e ‡gvU e‡Kqv Avmj FYw¯’wZi m‡e©v”P 80
kZvsk|
4.5| †µwWU M¨vivw›U myweav cÖvwßi Rb¨ MÖvnK ch©v‡q cÖ‡hvR¨ FYmxgv: ‡µwWU M¨vivw›U myweav cÖvwßi Rb¨ wb¤œewY©Z 4wU
†µwWU M¨vivw›U myweavi AvIZvq MÖvnK ch©v‡q me©wb¤œ FY/wewb‡qvMmxgv n‡e 25,000 UvKv Ges m‡e©v”P FYmxgv n‡e wb¤œiƒc:
(UvKv)
KzwUi D‡`¨vM gvB‡µv D‡`¨vM ÿz`ª D‡`¨vM gvSvwi D‡`¨vM
µwgK
bs M¨vivw›U myweav Drcv`bkxj Drcv`bkxj †mev e¨emv Drcv`bkxj †mev e¨emv Drcv`bkxj †mev
wkí wkí wkí D‡`¨vM wkí wkí D‡`¨vM wkí wkí
25,000 †KvwU UvKvi 15 1 25 25 3 1 1 5 2
1
cÖvK-A_©vqb w¯‹g jÿ ‡KvwU jÿ jÿ ‡KvwU ‡KvwU ‡KvwU ‡KvwU ‡KvwU
K…wlRvZ cY¨ cÖwµqvRvZKi‡Y
15 1 25 25 3 1 1 5 2
2 1,400 †KvwU UvKvi
jÿ ‡KvwU jÿ jÿ ‡KvwU ‡KvwU ‡KvwU ‡KvwU ‡KvwU
cybtA_©vqb w¯‹g
bvix D‡`¨v³v‡`i Rb¨
5 20 20 20 50 50 50
3 3,000 †KvwU UvKvi - -
jÿ jÿ jÿ jÿ jÿ jÿ jÿ
cybtA_©vqb w¯‹g
500 †KvwU UvKvi Avw_©K GKK MÖvn‡Ki †ÿ‡Î m‡e©v”P 5 jÿ UvKv Ges MÖæc F‡Yi †ÿ‡Î 2-5 m`‡m¨i mgš^‡q MwVZ MÖæ‡ci
4
†mevfzw³ w¯‹g m`m¨ cÖwZ m‡e©v”P 4 jÿ UvKv K‡i MÖæc cÖwZ m‡e©v”P 20 jÿ UvKv |

4.6| †µwWU M¨vivw›U wd: †µwWU M¨vivw›U wWcvU©‡g›U I e¨vsK/Avw_©K cÖwZôvb Gi g‡a¨ m¤úvw`Z wØ-cvwÿK AskMÖnY
Pzw³i AvIZvq cÖ‡Z¨K e¨vsK/Avw_©K cÖwZôvb‡K evrmwiK wfwˇZ M¨vivw›U wd cwi‡kva Ki‡Z n‡e| M¨vivw›U wdÕi nvi n‡e
wb¤œiƒc:
(K) AskMÖnYKvix e¨vsK/Avw_©K cÖwZôvb‡K wmGgGmGgB Lv‡Z M¨vivw›U †iwR‡÷ªkb cÖvß F‡Yi Dci cÖ_g GK eQ‡ii
Rb¨ 1 kZvsk nv‡i M¨vivw›U wd cwi‡kva Ki‡Z n‡e;

2
 (L) M¨vivw›U Pjgvb _vKv mv‡c‡ÿ cÖ_g GK eQi AwZevwnZ nIqvi ci cieZ©x eQi n‡Z Ae¨ewnZ c~e©eZ©x w`‡bi
M¨vivw›UcÖvß F‡Yi †gvU e‡Kqv Avmj w¯’wZi Dci wb¤œewY©Z nv‡i M¨vivw›U wd cwi‡kva Ki‡Z n‡e:
(i) ‡h mKj e¨vsK/Avw_©K cÖwZôv‡bi Ae¨ewnZ c~e©eZ©x eQ‡ii 31 wW‡m¤^i wfwËK †kÖwYK…Z F‡Yi nvi 5 kZvsk ev Gi
Kg Zv‡`i‡K wØZxq eQi n‡Z evwl©K 0.50 kZvsk nv‡i; Ges
(ii) ‡h mKj e¨vsK/Avw_©K cÖwZôv‡bi †kÖwYK…Z F‡Yi nvi 5 kZvs‡ki †ekx wKš‘ 10 kZvs‡ki Kg Zv‡`i‡K wØZxq eQi
n‡Z evwl©K 0.75 kZvsk nv‡i M¨vivw›U wd cÖ`vb Ki‡Z n‡e|
(M) IfviWªvdU FY cybtZdwmj/bevqb Kivi †ÿ‡Î cybtZdwmjK…Z/bevqbK…Z F‡Yi Avmj cwigv‡Yi Dci DwjøwLZ
Aby‡”Q` bs-L G ewY©Z nv‡i M¨vivw›U wd cwi‡kva Ki‡Z n‡e:
(N) wba©vwiZ M¨vivw›U wd mswkøó FYMÖnxZvi wbKU n‡Z Av`vq Kiv hv‡e| Z‡e, 500 †KvwU UvKvi Avw_©K †mevfzw³
w¯‹‡gi AvIZvq cÖ‡Z¨K wcGdAvB‡K wbR¯^ Drm n‡Z evrmwiK wfwˇZ M¨vivw›U wd cwi‡kva Ki‡Z n‡e| G‡ÿ‡Î M¨vivw›U wd
mswkøó FYMÖnxZvi wbKU n‡Z Av`vq Kiv hv‡e bv;
(O) DwjøwLZ M¨vivw›U wd e¨ZxZ Ab¨ †Kvb wd/PvR© Av`v‡qi ‡ÿ‡Î Zdwmwj e¨vsKmg~‡ni Rb¨ evsjv‡`k e¨vs‡Ki e¨vswKs
cÖwewa I bxwZ wefvM KZ©„K 10 Ryb 2021 Zvwi‡L RvwiK…Z weAviwcwW mvK©yjvi bs-11 Ges Avw_©K cÖwZôvbmg~‡ni Rb¨ evsjv‡`k
e¨vs‡Ki Avw_©K cÖwZôvb I evRvi wefvM KZ…©K 3 GwcÖj 2018 Zvwi‡L RvwiK…Z wWGdAvBGg mvK©yjvi bs-01 Ges ZrcieZ©x‡Z
RvwiK…Z mvK©yjvi/mvK©yjvi †jUvi Gi wb‡`©kbv cwicvjbxq n‡e; Ges
(P) ‡µwWU M¨vivw›U wWcvU©‡g›U KZ©„K Bmy¨K…Z M¨vivw›U myweavi wecix‡Z cÖ`Ë M¨vivw›U wd †diZ‡hvM¨ bq|
4.7| ‡µwWU M¨vivw›Ui wecix‡Z F‡Yi my`/gybvdv nvit †µwWU M¨vivw›U myweavcÖvß F‡Yi my`/gybvdvi nvi n‡e mswkøó
cybtA_©vqb/cÖvK-A_©vqb w¯‹‡gi AvIZvq wba©vwiZ my`/gybvdvi nvi| †Kvb F‡Yi wecix‡Z M¨vivw›U cÖ`vb Kiv n‡jI D³ F‡Yi
Rb¨ mswkøó w¯‹‡gi AvIZvq MÖvnK ch©v‡q †h my`/gybvdvi nvi wba©vwiZ _vK‡e †m nviB Kvh©Ki n‡e|
4.8| †µwWU M¨vivw›U wd cwi‡kv‡ai mgqmxgv: M¨vivw›U †iwR‡÷ªk‡bi 15 Kvh©w`e‡mi g‡a¨ mswkøó wcGdAvB‡K †µwWU
M¨vivw›U wWcvU©‡g›U Gi AbyK~‡j M¨vivw›U wd cwi‡kva Ki‡Z n‡e| cieZ©x‡Z, Pjgvb M¨vivw›Ui †ÿ‡Î cÖwZ eQi Zvi Ae¨ewnZ
c~e©eZ©x eQi mgvwßi 15 Kvh©w`e‡mi g‡a¨ M¨vivw›U wd AvMvg cwi‡kva Ki‡Z n‡e| Ab¨_vq, evsjv‡`k e¨vs‡K iwÿZ mswkøó
wcGdAvB Gi PjwZ wnmve weKjb K‡i wba©vwiZ M¨vivw›U wd Av`vq Kiv hv‡e|
4.9| †µwWU M¨vivw›U myweavi AvIZvq FY weZi‡Yi jÿ¨gvÎv wba©viY:
(K) cÖ‡Z¨K wcGdAvB K¨v‡jÛvi eQi wfwËK †µwWU M¨vivw›U myweavi AvIZvq FY weZi‡Yi jÿ¨gvÎv eQ‡ii ïiæ‡ZB
‡NvlYv Ki‡e Ges Zv‡`i‡K H eQ‡ii g‡a¨B Zv AR©b Ki‡Z n‡e| wcGdAvB Gi FY cÖ`v‡bi mÿgZv hvPvB-evQvBc~e©K Ges
‡µwWU M¨vivw›U Znwe‡ji ch©vßZv _vKv mv‡c‡ÿ †µwWU M¨vivw›U wWcvU©‡g›U KZ©„K wcGdAvB Gi Rb¨ jÿ¨gvÎv cybtwba©viY Kiv
hv‡e| wba©vwiZ mg‡qi g‡a¨ †Kvb wcGdAvB KZ©„K jÿ¨gvÎv Abyhvqx M¨vivw›U myweavi AvIZvq FY weZiY Kivi ci bZzb K‡i
ewa©Z wjwgU Gi Av‡e`b Kiv n‡j, my‡hvM _vKv mv‡c‡ÿ †µwWU M¨vivw›U wWcvU©‡g›U KZ©„K wjwgU cybtwba©viY Kiv n‡j Zv cÎ
gvidZ mswkøó wcGdAvB‡K AewnZ Kiv n‡e;
(L) †h mKj e¨vsK/Avw_©K cÖwZôvb †µwWU M¨vivw›U cÖ`v‡b mÿgZv cÖ`k©‡b e¨_© n‡e †m‡ÿ‡Î evsjv‡`k e¨vsK cÖ‡qvR‡b
wjwgU n«vm Kivi ÿgZv msiÿY Ki‡e; Ges
(M) bvix D‡`¨v³v‡`i RvgvbZwenxb FY cÖvwß wbwðZ Kivi j‡ÿ¨ wmGgGmGgB Lv‡Z 25,000 †KvwU UvKvi cÖvK-A_©vqb
w¯‹g, K…wlRvZ cY¨ cÖwµqvRvZ Kivi Rb¨ 1,400 †KvwU UvKvi cybtA_©vqb w¯‹g Ges 500 †KvwU UvKvi Avw_©K †mevfzw³ w¯‹‡gi
‡ÿ‡Î wcGdAvBmg~n‡K Zv‡`i Portfolio Guarantee Limit (PGL) Gi 10 kZvsk bvix D‡`¨v³v‡`i AbyK~‡j weZi‡Yi Rb¨
msiÿY Ki‡Z n‡e| eQ‡ii Z…Zxq cÖvwšÍ‡Ki g‡a¨ bvix D‡`¨v³v‡`i wbKU n‡Z Av‡e`b cvIqv bv †M‡j H Ask m¤¢vebvgq
Ab¨vb¨ D‡`¨v³v‡`i F‡Yi wecix‡Z M¨vivw›U cÖ`vb Kiv hv‡e|
4.10| †µwWU M¨vivw›Ui Rb¨ Av‡e`b cÖwµqv I M¨vivw›U †iwR‡÷ªkb Bmy¨i c×wZ:
(K) AskMÖnYKvix e¨vsK/Avw_©K cÖwZôvb KZ©„K ‡µwWU M¨vivw›U †iwR‡÷ªk‡bi Rb¨ ‡h gv‡m Av‡e`b Kiv n‡e Zvi
Ae¨ewnZ c~e©eZx© gv‡m gÄyixK…Z F‡Yi Av‡e`bmg~‡ni Z_¨vw`mn cÖwZ gv‡mi 15 Zvwi‡Li g‡a¨ ‡µwWU M¨vivw›U wWcvU©‡g›U
eivei wba©vwiZ Q‡K (cwiwkó ÔKÕ A_ev cÖ‡hvR¨ †ÿ‡Î cwiwkó ÔLÕ) Av‡e`b Ki‡Z n‡e;
(L) ‡µwWU M¨vivw›U †iwR‡÷ªkb Av‡e`‡bi mv‡_ mswkøó wcGdAvB KZ…©K Zv‡`i Aby‡gvw`Z FY bxwZgvjvi AvIZvq
MÖvn‡Ki F‡Yi Av‡e`bmg~n h_vh_fv‡e hvPvB-evQvBc~e©K cÖv_wgKfv‡e gÄyi Kiv n‡q‡Q g‡g© cÖZ¨qbcÎ `vwLj Ki‡Z n‡e;
(M) Av‡e`bcÎ cÖvwßi ci ‡µwWU M¨vivw›U wWcvU©‡g›U n‡Z cÖ‡qvRbxq hvPvB-evQvB Kvh©µg m¤úv`b K‡i `ªæZZvi mv‡_
‡hvM¨ D‡`¨v³v‡`i M¨vivw›U †iwR‡÷ªkb cÖ`vb K‡i mswkøó wcGdAvB‡K Zv AewnZ Kiv n‡e;

3
 (N) †µwWU M¨vivw›U wWcvU©‡g›U n‡Z ‡iwR‡÷ªkb cÖvwßi ci mswkøó e¨vsK/Avw_©K cÖwZôvb h_vh_ WKz‡g‡›Ukb m¤úbœ K‡i
15 Kvh©w`e‡mi g‡a¨ MÖvn‡Ki AbyK~‡j FY weZiY Ki‡e;
(O) †µwWU M¨vivw›Ui Rb¨ Av‡e`b cÖwµqv I M¨vivw›U †iwR‡÷ªkb Bmy¨ c×wZi A‡Uv‡gkb m¤úbœ Kiv n‡q‡Q|
wcGdAvBmg~n †µwWU M¨vivw›U Bmy¨/bevqb/evwZ‡ji Rb¨ AbjvB‡bI (www.cgims.bb.org.bd) Av‡e`b Ki‡Z cvi‡e| G
msµvšÍ we¯ÍvwiZ wb‡`©kbv c„_Kfv‡e e¨vsK I Avw_©K cÖwZôvbmg~n‡K AewnZ Kiv n‡e; Ges
(P) GmGgB GÛ †¯úkvj †cÖvMÖvgm& wWcvU©‡g‡›Ui mv‡_ ‡Kvb wcGdAvB KZ©„K m¤úvw`Z AskMÖnY Pzw³ †Kvb Kvi‡Y
evwZj/¯’wMZ Kiv n‡j D³ wcGdAvB Gi AbyK~‡j G wWcvU©‡g›U KZ©„K bZzbfv‡e †Kvb M¨vivw›U myweav cÖ`vb Kiv n‡e bv|
ZvQvov, G wWcvU©‡g‡›Ui mv‡_ m¤úvw`Z AskMÖnY Pzw³i †Kvb kZ© fsM Kiv n‡j mswkøó wcGdAvB‡K 14 w`‡bi mgq w`‡q †bvwUk
cÖ`vb Kiv n‡e| wba©vwiZ mg‡qi g‡a¨ Reve cvIqv bv †M‡j A_ev KviY `k©v‡bvi Reve cvIqvi ci Zv m‡šÍvlRbK bv n‡j
GZ`&wel‡q evsjv‡`k e¨vs‡Ki wm×všÍB P~ovšÍ e‡j MY¨ n‡e|
4.11| †µwWU M¨vivw›U myweavcÖvß F‡Yi wecix‡Z cÖwfkb msiÿY : FY Abv`v‡q we`¨gvb bxwZgvjv Abyhvqx †kÖwYKiYc~e©K
h_vh_fv‡e cÖwfkb msiÿY Ki‡Z n‡e g‡g© wb‡`©kbv _vK‡jI G w¯‹‡gi AvIZvq M¨vivw›U myweavcÖvß FY †kÖwYK…Z n‡j GKwU
wbw`©ó K¨v‡jÛvi eQ‡i M¨vivw›U myweavcÖvß †gvU e‡Kqv Avmj FYw¯’wZi m‡e©v”P 50 kZvsk ch©šÍ †¯úwmwdK cÖwfkb msiÿ‡Yi
eva¨evaKZv M¨vivw›U †gqv`Kv‡ji Rb¨ Ae¨vnwZ cÖvß n‡e|
4.12| †µwWU M¨vivw›U myweavcÖvß F‡Yi †ÿ‡Î e¨vsK/Avw_©K cÖwZôv‡bi `vq-`vwqZ¡:
(K) A_©vqbKvix e¨vsK/Avw_©K cÖwZôvb wbR¯^ wbqgvPvi (Due diligence) h_vh_fv‡e cwicvjbc~e©K FY
gÄyix/weZiY/Av`vq Ki‡e| FY weZi‡Yi ci e¨vsK/Avw_©K cÖwZôvb ¯^xq D‡`¨v‡M Zv Z`viKx I cwiexÿY Ki‡e Ges F‡Yi
mبenvi wbwðZ Ki‡e; Ges
(L) G wWcvU©‡g›U KZ©„K cÖ`Ë M¨vivw›Ui h_v_©Zv hvPvB‡qi j‡ÿ¨ hvwPZ Z_¨vw`mn cÖ‡qvRbxq `wjjvw` wcGdAvB
evsjv‡`k e¨vsK‡K mieivn Ki‡Z eva¨ _vK‡e| ZvQvov, wcGdAvB‡K AewnZ K‡i ‡µwWU M¨vivw›U wWcvU©‡g›U ‡h †Kvb mgq
mswkøó MÖvnK‡`i e¨emvwqK Kg©KvÛ m‡iRwg‡b cwi`k©b Ki‡Z cvi‡e Ges cwi`k©bKv‡j evsjv‡`k e¨vs‡Ki cwi`k©b `j‡K
wcGdAvB mKj cÖKvi mn‡hvwMZv cÖ`vb Ki‡e|
4.13| ‡µwWU M¨vivw›Ui `vwe Ges wb®úwË cÖwµqv:
(K) †µwWU M¨vivw›U w¯‹‡gi AvIZvq M¨vivw›UcÖvß †Kvb FY we`¨gvb bxwZgvjv Abyhvqx g›`gv‡b †kÖwYK„Z nIqvi ci
evsjv‡`k e¨vsK KZ©„K RvwiK…Z bxwZgvjv Abyhvqx cybtZdwmj/cybM©Vb Kiv hv‡e Ges Zv †µwWU M¨vivw›U wWcvU©‡g›U‡K AewnZ
Ki‡Z n‡e| Z‡e, M¨vivw›UcÖvß FY wZb ev‡ii †ekx cybtZdwmj Kiv hv‡e bv| Z…Zxq evi cybtZdwmj Kivi (cÖ‡hvR¨ †ÿ‡Î) ci
†Kvb FY Av`vq bv n‡q cybivq g›`gv‡b †kÖwYK…Z n‡j †µwWU M¨vivw›U wWcvU©‡g‡›U M¨vivw›Ui wecix‡Z cªvc¨ A_© `vwe (Claim)
Ki‡Z cvi‡e;
(L) M¨vivw›U myweavcÖvß FYMÖnxZv‡`i g‡a¨ hv‡`i 5.00 jÿ UvKv ch©šÍ FYw¯’wZ g›`gv‡b †kÖwYK…Z i‡q‡Q Zv‡`i †ÿ‡Î
A_©FY Av`vjZ AvBb, 2003 Gi AvIZvq AZ¨vek¨Kxqfv‡e gvgjv‡hvM¨ bv n‡j 4.13(K) Aby‡”Q‡` ewY©Z bxwZgvjv
AbymiYc~e©K Av`vj‡Z gvgjv `v‡qi e¨wZ‡i‡K wcGdAvBmg~n †µwWU M¨vivw›Ui wecix‡Z cªvc¨ A_© `vwe Ki‡Z cvi‡e;
(M) †h mKj M¨vivw›U `vex‡hvM¨ FYw¯’wZi cwigvY 5.00 jÿ UvKvi AwaK †m mKj †ÿ‡Î M¨vivw›Ui `vwe cÖvwßi Av‡e`b
Kivi c~‡e© e¨vsK/Avw_©K cÖwZôvb‡K FY Av`v‡qi mKj cÖ‡Póv MÖnYmn cÖPwjZ AvBb Abyhvqx cÖ‡hvR¨ †ÿ‡Î gvgjv `v‡qi Ki‡Z
n‡e| A_©vr wcGdAvB KZ…©K FY Av`v‡qi j‡ÿ¨ mKj e¨e¯’v MÖnY Kivi ciI hw` †Kvb FY wnmve g›`gv‡b †kÖwYK…Z nq †Kej
ZLwb cÖ‡hvR¨ †ÿ‡Î AvBbx cÖwµqv ïiæ (gvgjv `v‡qi) K‡i M¨vivw›Ui wecix‡Z `vwe DÌvcb Ki‡Z cvi‡e| M¨vivw›U myweavi
AvIZvq `vweK…Z A‡_©i cwigvY n‡e wb¤œiƒc:
(i) wmGgGmGgB Lv‡Z 25,000 †KvwU UvKvi cÖvK-A_©vqb w¯‹g, bvix D‡`¨v³v‡`i Rb¨ ¯§j G›UvicÖvBR Lv‡Z 3,000
†KvwU UvKvi cybtA_©vqb w¯‹g Ges K…wlRvZ cY¨ cÖwµqvRvZ Kivi Rb¨ 1,400 †KvwU UvKvi cybtA_©vqb w¯‹‡gi
AvIZvq GKK D‡`¨v³v ev FYMÖnxZvi †ÿ‡Î g›`gv‡b †kÖwYK…Z F‡Yi †gvU Abv`vqx Avmj w¯’wZi (Outstanding
Principal Amount) m‡e©v”P 70 kZvsk A_ev mswkøó wcGdAvB‡K cÖ`Ë †gvU M¨vivw›UK…Z w¯’wZi m‡e©v”P 30
kZvsk Gi A`vweK…Z Ask, G `ywUi g‡a¨ hv Kg;
(ii) Avw_©K †mevfzw³ Lv‡Z 500 †KvwU UvKvi cybtA_©vqb w¯‹‡gi AvIZvq GKK D‡`¨v³v ev FYMÖnxZvi †ÿ‡Î g›`gv‡b
†kÖwYK…Z F‡Yi †gvU Abv`vqx Avmj w¯’wZi (Outstanding Principal Amount) m‡e©v”P 80 kZvsk A_ev mswkøó
wcGdAvB‡K cÖ`Ë †gvU M¨vivw›UK…Z w¯’wZi m‡e©v”P 30 kZvsk Gi A`vweK…Z Ask, G `ywUi g‡a¨ hv Kg; Ges
(iii) Abv`vqx my‡`i Rb¨ G M¨vivw›U Kvh©Ki n‡e bv|

4
 (N) M¨vivw›Ui `vwe wb®úwËi ciI FY Av`v‡qi e¨vcv‡i mswkøó e¨vsK/Avw_©K cÖwZôvb‡K AvBbx c`‡ÿcmn mKj ai‡bi
cÖwµqv Ae¨vnZ ivL‡Z n‡e| M¨vivw›Ui `vwe wb®úwËi ci F‡Yi wecix‡Z D‡`¨v³v/MÖvnK n‡Z †Kvb A_© Av`vq Kiv n‡j †m‡ÿ‡Î
M¨vivw›U Kfv‡iR Gi AvbycvwZK nv‡i evsjv‡`k e¨vs‡Ki AbyK~‡j D³ Av`vqK…Z A_© †diZ cÖ`vb Ki‡Z n‡e; Ges
(O) ‡Kvb e¨vsK/Avw_©K cÖwZôvb KZ©„K M¨vivw›Ui AvIZvq SuywK wbY©‡q mnvqK Ggb †Kvb Z_¨ B”QvK…Zfv‡e †Mvcb Ki‡j
A_ev fzj Z_¨ cÖ`vb Ki‡j evsjv‡`k e¨vsK we`¨gvb AvBb/wewa/bxwZgvjvi AvIZvq cÖ‡qvRbxq e¨e¯’v MÖnY Ki‡e|
4.14| wi‡cvwU©s:
M¨vivw›U myweavcÖvß F‡Yi Z_¨ evsjv‡`k e¨vs‡Ki †µwWU Bbdi‡gkb ey¨‡iv (CIB)-†Z wi‡cvU© Kivi mgq CGS wn‡m‡e
wjwce× Ki‡Z n‡e|
5| wewea:
(K) FY weZiY I Av`vq msµvšÍ evsjv‡`k e¨vsK KZ©„K mgq mgq RvwiK…Z wb‡`©kbvejx h_vh_fv‡e AbymiY Ki‡Z n‡e;
(L) G bxwZgvjvq D‡jøL †bB Giƒc †h †Kvb wel‡q A_ev bxwZgvjvq ewY©Z †Kvb wel‡q AwaKZi ¯úóxKi‡Yi Avek¨KZv
†`Lv w`‡j evsjv‡`k e¨vs‡Ki wm×všÍB P~ovšÍ e‡j MY¨ n‡e;
(M) G bxwZgvjvi cwieZ©b ev ms‡kva‡bi ÿgZv evsjv‡`k e¨vsK msiÿY K‡i; Ges
(N) FY cÖ`v‡bi †ÿ‡Î h_vh_ c×wZ AbymiY Kiv bv n‡j ev †Kvb kZ© jsNb Kiv n‡j ev M¨vivw›U cÖvwßi Av‡e`‡bi mgq
†Kvb Z_¨ †Mvcb Kiv n‡j ev wg_¨v Z_¨ cÖ`vb Kiv n‡j ev M¨vivw›U wd cwi‡kva bv Kiv n‡j mswkøó F‡Yi wecix‡Z cÖ`Ë M¨vivw›U
evsjv‡`k e¨vsK evwZj/iwnZ Ki‡Z cvi‡e|
6| Bmjvgx kixqvn& wfwËK cwiPvwjZ e¨vsK I Avw_©K cÖwZôvbmg~n Dc‡i ewY©Z †µwWU M¨vivw›U myweavmg~‡ni AvIZvq
wewb‡qvM myweav cÖ`v‡bi †ÿ‡Î G bxwZgvjv AbymiYc~e©K M¨vivw›U myweav MÖnY Ki‡Z cvi‡e|
7| e¨vsK I Avw_©K cÖwZôvb KZ©„K †µwWU M¨vivw›U myweav cÖvwßi j‡ÿ¨ DwjøwLZ mKj wb‡`©kbv AbymiY Ki‡Z n‡e|
GZبZxZ, GmGgBGmwcwW mvK©yjvi bs-04/2020 Gi gva¨‡g RvwiK…Z Manual of Credit Guarantee Scheme Ges
ZrcieZ©x‡Z GZ`&msµvšÍ Ab¨vb¨ wb‡`©kbv Aek¨B AbymiYxq n‡e|
8| G wb‡`©kbv Awej‡¤^ Kvh©Ki n‡e|
e¨vsK ‡Kv¤úvbx AvBb, 1991 (2023 ch©šÍ ms‡kvwaZ) Gi 45 aviv Ges Avw_©K cÖwZôvb AvBb, 1993 Gi 18 avivq
cÖ`Ë ÿgZve‡j G wb‡`©kbv Rvwi Kiv n‡jv|

Avcbv‡`i wek¦¯Í,

(bvwn` ingvb)
cwiPvjK (wmwRwW)
‡dvbt 9530179

5
cwiwkó : K
wcGdAvB bvg ----
cÖavb Kvh©vjq
XvKv

m~Î: ZvwiLt . . ./ . . ./. . . .

cwiPvjK
‡µwWU M¨vivw›U wWcvU©‡g›U
evsjv‡`k e¨vsK, cÖavb Kvhv©jq, XvKv

wcÖq g‡nv`q,

---------------------------------------------------------- w¯‹‡gi AvIZvq

FY/wewb‡qv‡Mi wecix‡Z M¨vivw›U myweav cÖ`v‡bi Av‡e`b

‡µwWU M¨vivw›U wWcvU©‡g›U (wmwRwW) Gi mv‡_ ...../..../.... Zvwi‡L m¤úvw`Z AskMÖnY Pzw³i AvIZvq M¨vivw›U Bmy¨i
k‡Z© wb¤œewY©Z FY/wewb‡qvM gÄyi Kiv n‡q‡Q| wmwRwW KZ…©K M¨vivw›U Bmy¨ Kiv n‡j mswkøó FY/wewb‡qvM MÖnxZvi AbyK~‡j
FY/wewb‡qvM weZiY Kiv n‡e| wb¤œewY©Z FY/wewb‡qvMmg~‡ni wecix‡Z M¨viw›U cÖ`vb Kivi Rb¨ Aby‡iva Rvbv‡bv hv‡”Qt
µt FY/wewb‡qvM FY/wewb‡qvM kvLvi D‡`¨v‡Mi aiY e¨emvi aiY D‡`¨v³vi cÖZ¨vwkZ FY/wewb‡qvM
bs MÖnxZvi bvg AvBwW bvg (KzwUi/gvB‡µv/ (Drcv`b/ aiY M¨vivw›U Kfv‡iR cwigvY
ÿz`ª/gvSvwi) ‡mev) (cyiæl/bvix) Gi nvi (%) (UvKvq)
1
2
3
†gvU FY/wewb‡qvM Gi cwigvY

Avcbv‡`i wek¦¯Í,

¯^vÿi:

(e¨e¯’vcbv cwiPvjK/¯^vÿi
ÿgZvcÖvß)
Kg©KZv©i bvg I c`ex
†gvevBj b¤^i I B-‡gBj wVKvbvt

mshyw³:
1| cÖ‡Z¨K FY/wewb‡qvM Gi wecix‡Z cÖ¯‘ZK…Z M¨vivw›U Av‡e`b [ms‡hvRbx K(1) I K(2)]

i
ms‡hvRbx: K(1)

Guarantee Application under _____________________________ Scheme

A loan/investment facility has been approved subject to the issuance of a credit guarantee
under the participation agreement between Name of PFI and the Credit
Guarantee Department (CGD) of Bangladesh Bank, subject to the Terms and Conditions outlined in
the Agreement dated DD/MM/YYYY.

1. Loan identification number (if any) :

2. Branch Address:
Branch Name: Branch Code :
Division: District: Upazilla:
3 Name of the Enterprise/Borrower :
4. Business Address:
Division: District: Upazilla:
Contact Number:
5. Trade License Number of the Enterprise:
6. Tax Identification Number (TIN) of the Enterprise:
7. Business Identification Number (BIN) of the Enterprise (if available) :
8. Information of Owner(s):
Owner's Owners’ Owners’ Gender Educational Contact Residence
Name TIN NID Background Number Address
Male/Female 0-5/6-10/11-12/
Graduate/ Masters
9. Category of the Enterprise:
 Cottage  Micro  Small  Medium
10. Nature of the Business:
 Manufacturing  Service
11. Establishment Date of the Enterprise: DD/MM/YYYY
12. Years in Operation:
13. Ownership Type:  Sole Proprietorship  Partnership  Limited Liability Company
14. Borrower Type:  First Time Borrower Repeated Borrower
15. Purpose of the Loan:  Term Loan  Others (Mention) --------
16. No. of Existing Employees of the Enterprise
a. Total ________ b. Male: _____ c. Female: ____
17. a. Total Liability: b. Total Assets:
c. Owners’ Equity: d. Outside liabilities:
e. Annual Sales: f. Annual Income:
g. Net Income (previous year)
18. a. Amount of the Loan b. Expected Guarantee Coverage (%):
19. Interest Rate:
20. Final Repayment Date: DD/MM/YYYY
21. Duration of the loan/investment: (Month)
21. Personal Guarantee of the Owner(s):  Yes  No
22. Third-Party Guarantee:  Yes  No
23. Other collateral (if any):
24. Forced Sale Value of other collateral:
(Annexure # 1 Continued)

ii
(From previous page)

Undertaking

We, on behalf of the Name of PFI , hereby, confirm that this application falls
within the terms and conditions of the participation agreement. Proper due diligence and
documentation have been made by following our CMSME Credit Policy as well as annexure:
2 of the Manual of Credit Guarantee Scheme. We will pay the guarantee fees against this
application's registration as per the provision of CGD circular no. ______, dated
DD/MM/YYYY and its’ subsequent amendments.
We also understand that in the event of any claim under the participation agreement,
failure to provide documents and/or certifications as per the Manual of Credit Guarantee
Scheme and relevant circulars of Bangladesh Bank, the claim against the guarantee may be
rejected.

(Signature of Focal Point officer) (Signature of Authorized Signatory)

(for further correspondence)
Name and Designation Name and Designation
Contact Number and Email Contact Number and Email

iii
ms‡hvRbx: K(2)

Guarantee Application under _________________________________ Scheme

Name of the Enterprise/Borrower :

Customer ID :
Branch Name :
PFI Name :

Due Diligence Checklist: The following are the requirements for due diligence of a credit guarantee
facilitated loan/investment and documents attesting to the same need to be on file and shall be
made available to the CGD upon request:
1. Loan Application according to the Manual of Credit Guarantee Scheme
2. The document that certifies the enterprise falls under CMSME Category
3. On-site visit report
4. Financial statements (Balance Sheet/Income Statement, Cash Flow
Statement) or any written statement(s) based on
production/sales/turnover of the previous year (one/more) of CMSME
5. Credit analysis report including-
a) Overall credit rating,
b) Discussion on industry/competitive environment,
c) Projected income or cash flow statement,
d) Assessment of management capacity/competency,
e) Evaluation of previous business performance,
f) Supplier checks as to borrower’s adherence to payment
arrangements,
g) Comments on capital adequacy and composition of balance sheet
including changes in inventory, account receivable and accounts
payable,
h) Trends in sales, operating income, and net income
i) Summary and recommendation/approval by authorized bank
officers including all exposure to proposed borrower and group, if
any
6. The borrower is regular on all credit facilities from Bank/FI
7. Satisfactory CIB report of the Borrower
8. Proposed facilities are not a rescheduling of existing facilities
9. Verification that borrower’s premises or address are in place, and
machinery (if any) are working in orderly
10. The borrower is not subject to any court proceedings, and is not the
subject of any legal actions either in process or pending and
11. The borrower’s fixed assets are free from any liens or encumbrances.

Documentary Checklist: In addition to the requirements for due diligence stated above for each
loan, the PFI needs to certify the following documents available in the concerned file, which may be
verified by the CGD:
1. Loan Application Form
2. Trade License
3. Partnership Deed (For Partnership business only)
4. Board Resolution (For Partnership business /Limited Company only)
(Annexure # 2 Continued)

iv
(From previous page)

5. Certificate of Incorporation (For Limited Company only)

6. Memorandum & Articles of Association (For Limited Company only)
7. Form XII/Schedule X (if applicable) (For Limited Company only)
8. T & T phone number of the residence/office
9. Latest 12 months Business Account Statement
10. Photograph of Proprietor/Key Partner/Managing Director
11. TIN Certificate/Tax Return Receipt
12. Utility Bill of business address
13. Attested photocopy of Possession/Rental Deed/consecutive three months’
rent paid receipt
14. Photocopy of Nationality Certificate/Passport/Certificate of SSC/Voter ID
Card/ID Card of the loan/investment applicant
15. Environment Policy Compliance
16. CIB report
17. Acknowledgment of the borrower for guarantee application
18. Personal guarantee form (Joint/Several Guarantee)
19. A declaration of the CMSME owner(s), partner(s) and shareholder(s) on
their non- involvement of ineligible business activities and non-duplication
of loan/investment under Credit Guarantee facilities
20. Other (specify):
If yes:

(Signature of Focal Point officer) (Signature of Authorized Signatory)

(for further correspondence)
Name and Designation Name and Designation
Contact Number and Email Contact Number and Email

v
cwiwkó : L
e¨vs‡Ki bvg I wVKvbv
------
(500 †KvwU UvKvi Avw_©K †mevfzw³ w¯‹‡gi AvIZvq M¨vivw›U Av‡e`b dig)
m~Î t ZvwiLt . . ./ . . ./. . . .
cwiPvjK
‡µwWU M¨vivw›U wWcvU©‡g›U
evsjv‡`k e¨vsK, cÖavb Kvhv©jq, XvKv
‡µwWU M¨vivw›U wWcvU©‡g‡›Ui mv‡_ .../../.... Zvwi‡L m¤úvw`Z AskMÖnY Pzw³i AvIZvq M¨vivw›U Bmy¨i k‡Z© wb¤œewY©Z FY/wewb‡qvM myweav¸‡jv gÄyi Kiv n‡q‡Q| wmwRGm BDwbU KZ…©K M¨vivw›U Bmy¨ Kiv n‡j FY/wewb‡qvMmg~n mswkøó MÖvn‡Ki AbyK~‡j weZiY Kiv
n‡e| wb¤œewY©Z FY/wewb‡qvMmg~‡ni wecix‡Z M¨viw›U Bmy¨ Kivi Rb¨ Aby‡iva Kiv n‡jvt
‡mKkb-1t mvaviY Z_¨
µt FY/wewb‡qvM MÖvn‡Ki wVKvbv I e¨vsK kvLvi bvg MÖvn‡Ki RvZxq cwiPqcÎ MÖvn‡Ki aiY MÖvn‡Ki e¨emvi aiY e¨w³MZ M¨vivw›U FY/wewb‡qvM FY/wewb‡qv‡Mi cÖZ¨vwkZ M¨vivw›U
bs MÖnxZvi bvg (MÖvnK) †gvevBj b¤^i (NID) b¤^i (K…lK, wb¤œ Av‡qi †ckvRxex, (Drcv`b/‡mev/ MÖnY Kiv n‡q‡Q P~ovšÍ cwi‡kv‡ai cwigvY Kfv‡iR (kZvsk)
gvB‡µv/ÿz`ª D‡`¨v³v, ¯y‹j e¨emv) (n¨uv/bv) ZvwiL (UvKvq)
e¨vswKs, Ab¨vb¨)
1
2
me©‡gvU FY/wewb‡qv‡Mi cwigvY
me©‡gvU FY/wewb‡qv‡Mi cwigvY (K_vq)
‡mKkb-2t cÖZ¨vqb
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mxj :

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