20 January

visDl cSad Vsªfuax dkW
dkWys
yt s ] Hkksiky
flyscl desVh dh cSBd
fnukad % 20 Qjojh 2024

le; % nksigj 2%00 cts
LFkku % visDl cSad Vsªfuax dkyst]
Hkksiky
-1-
visDl cSad Vªsfuax dkWyst] Hkksiky
ikB~;Øe o"kZ 202
2024&25
1- visDl cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq izf'k{k.k dk;ZØe

izf'k{k.k uohu tksMs+ tkus okys
dz izf'k{k.k dk;Zdze dk uke fnol fo"k; ist
la[;k o"kZ 2024&2025 uEcj
1- visDl cSad ds vf/kdkfj;ksa SFT,
@deZpkfj;ksa gsrq vk;dj] 03 Hkkjrh; jk"Vªh; Hkqxrku
lsokdj] o`fRrdj ,oa cSadlZ psd 7-9
fuxe] lhVhvkj iksVZy
,oa fMekaM MªkQV dh /kks[kk/kMh
esa lrdZrk laca/kh izf'k{k.k
dk;Zdze
2- visDl cSad ds ys[kkf/kdkjh] Atm/Micro Atm
lgk;d ys[kkf/kdkjh ,oa lkekU; 05 Reconciliation,
10 -13
lgk;dksa gsrq cSafdax ij izf'k{k.k Cyber Security,
dk;Zdze
Insurance, Claim
Settlement and
portals
3- visDl cSad ds vf/kdkfj;ksa gsrq
ftyk cSadksa ,oa vU; lgdkjh 03 14 - 15
laLFkkvksa ds fujh{k.k gsrq izf'k{k.k
dk;ZØe
4- visDl cSad ds vf/kdkfj;ksa dks
foHkkxh; tkap dh izfØ;k ,oa 03
fofHkUu igyqvksa ls voxr djkus 16 -18
laca/kh izf'k{k.k dk;Zdze
5- visDl cSad ds deZpkfj;ksa gsrq Claim Settlement
cSadj xzkgd laca/kksa ij izf'k{k.k 03 21 - 22
dk;Zdze
6- Know your customer,
Prevention of Money 03 23-23
Laundering and customer
protection
-2-
2 ftyk cSadksa ds vf/kdkfj;ksa@deZpkfj;ksa@i;Zos{kdks
kdksa gsrq izf'k{k.k dk;Zdze
dz- izf'k{k.k dk;Zdze dk uke izf'k{k.k Ukohu tksMs tkus okys ist uEcj
fnol fo"k;
la[;k o"kZ 2024&2025
7- ftyk cSadksa ds vf/kdkjh@ 03 Continue Monitoring
deZpkjh gsrq vkarfjd fu;=.k Of Loan
iz.kkyh ,oa xcu /kks[kk/kM+h dh 24-25
jksdFkke ij izf'k{k.k dk;ZØe
ftyk cSadksa ds vf/kdkfj;ksa gsrq
8- foosdiw.kZ ekun.M ,oa /kkjk 11¼1½ 03 26 -27
ij izf'k{k.k dk;Zdze
ftyk cSadksa ds vf/kdkfj;ksa gsrq iz/kkuea=h thou T;ksfr
9- izkstsDV vizsty ,oa ysafMax ij 03 chek ;kstuk (PMJJBY)] 28 -29
izf'k{k.k dk;Zdze iz/kkuea=h lqj{kk chek
;kstuk (PMSBY),
vVy isa’ku ;kstuk
(APY)]
ftyk cSad ds fyfidksa gsrq 06
10- dk;kZRed izf'k{k.k dk;Zdze 30 -33
ftyk lgdkjh cSadksa ds
11- vf/kdkfj;ksa gsrq cSafdax ij ekLVlZ 06 34 - 36
VsªulZ Vªsfuax dk;ZØe
ftyk cSadksa ds vf/kdkfj;ksa gsrq ,uvkj,y,e] ih,e,Q,ebZ
12- Lo;a lgk;rk lewg ,oa ,Qihvks 05 ,oa ,vkbZ,Q,
la;qDr ns;rk lewg ,oa foRrh; 37 - 39
lekos'ku izf'k{k.k dk;Zdze
ftyk cSad ds vf/kdkfj;ksa gsrq
13- ykHkizn fofu;kstu rFkk 03
,l,yvkj fofu;kstu laca/kh 40 - 41
izf'k{k.k dk;Zdze
ftyk cSadksa ds deZpkfj;ksa gsrq cSadksa /kkjk 84&85 vkWuykbu
dh ys[kk i)fr vafre ys[ks rS;kj iksVZy
14- djuk] cSysal'khV fo'ys"k.k] djksa 03
dh x.kuk ,oa dVkSrh djuk C;kt 42 - 43
x.kuk] vkjchvkbZ]ukckMZ ,oa
visDl cSad dks Hksts tkus okys
i=d vkfn ls lacaf/kr izf'k{k.k
dk;Zdze
15- ftyk cSad ds vf/kdkfj;ksa gsrq 03
foHkkxh; tkap dh izfdz;k ,oa 44 - 46
fofHkUu igywvksa ls voxr djkus
-3-
ftyk cSad ds vf/kdkfj;ksa gsrq 47 - 48
16- tksf[ke izca/ku ¼, ,y ,e izca/ku 03
½ ij izf'k{k.k dk;Zdze
ftyk cSad ds deZpkfj;ksa gsrq cSadj
17- xzkgd laca/kksa ij izf'k{k.k 03 Claim settlement 49 - 50
dk;Zdze
ftyk cSad ds lapkydksa gsrq
18- l{kerk fodkl izf'k{k.k dk;Zdze 03 51 - 52
3 izkFkfed d`f"k lgdkjh laLFkkvksa ds laLFkk izca/kdksa gsrq izf'k{k.k
dz- izf'k{k.k dk;Zdze dk uke izf'k{k.k Ukohu tksMs tkus okys fo"k; ist uEcj
fnol o"kZ 2024&2025
la[;k
izkFkfed lfefr ds deZpkfj;ksa
¼izca/kd @ lgk;d izca/kdksa ½ 'kh"kZ laLFkkvksa ds iksVZyl~]
19 ds fy, le:i ys[kakdu iz.kkyh 03 53 - 54
,oa izca/kdh; lwpuk i)fr ij
izf'k{k.k dk;Zdze
izkFkfed lfefr;ksa ds f}rh; leLr chek lacaf/kr izf’k{k.k]
20 iafDr ds deZpkfj;ksa gsrq 06 MhchVh] Mh,evkj] vkSj 55 - 56
uohure dEI;wVj izf'k{k.k ,uMhvkj]uohu lkWQ~Vos;j
dk;Zdze viMs’ku
izkFkfed lfefr;ksa ds lapkydksa
21 gsrq l{kerk fodkl izf'k{k.k 03 Ckh&isDl 57 – 58
dk;Zdze
22 Lkfefr;ksa gsrq VªsulZ vkWQ Vªsfuax 59 - 60
dk;Zdze
vkuykbZu ls vkQykbZu gsrq fodflr fd;s x;s 07 uohu izf’k{k.k ukckMZ@cMZ y[kuÅ
}kjk tkjh
tkjh dk;Zdze &
No. tksMs tkus okys fo"k;
Name of Training Prog. Durati o"kZ 2024&2025 ist uEcj
on
23 Management Development 3 61&61
Programme
24 Banking Law and Practice 3
and Legal aspects in loan 62&62
proposed
25 Internal Checks and control 3 63&64
26 Developing PACS into Multi 3 ,xzks Dyhfud@fctusl
purpose Societies ch&isDl 65&66
27 PROGRAMME ON 3
BUSINESS
DEVELOPMENT, PROFIT 67&68
PLANNING AND
-4-
DIVERSIFICATION
28 Programme on Office 3 le; izca/ku] ;ksxk ,oa
Management esfMVs’ku] izkd`frd fpfdRlk 69&71
29 Know your customer, 3
Prevention of Money
Laundering and customer 72&72
protection.
KYC/CKYC/CFT
73 &74
izf’k{k.k dk;Zdze ds dqy izdkj & 29 ¼2024 &2025½

izf'k{k.k dk;Zdzeksa dh la[;k & 42
izf’k{k.kkFkhZ y{; & 840
4- vU; fo"k;%&
1- vkuykWbZu ¼Vh,u,½ fnukad 02-02-2024 le; 'kke 4 ls 5 cts rd cSBd esa 'kkfey fd;s tkus okys fo"k;%&
visDl cSad%& ,Vh,e MsfcV dkMZ fjdalhys’ku @,uihlhvkbZ dk;Z@lhVhvkj iksVZy@
fjiksVZl~ fo’ys"k.kA
ftyk cSad%& ,Vh,e MsfcV dkMZ fjdalhys’ku /kkjk 84&85 vkuykbZu iksVZyA
iSDl%& ¼uohu½ iSDl dEI;wVjkbZts’ku dk;ZdzeA
2- 'kh"kZ cSad@ftyk cSad@iSDl }kjk ^^QhMcSd QkeZ^^ vUrxZr 'kkfey fd;s tkus okys fo"k;A
visDl cSad%& js’;ksa ,ukfylhlA
ftyk cSad%& fjLd eSusteSaV] b’;ksj iksVZy vkfnA
iSDl%& uohu lkQ~V os;j ij izf’k{k.k@Mh-ch-Vh- dk;Z O;okgj@,u-Mh-vkj-
i=d@Mh,e-vkj vkfnA
3- ftyk cSad eUnlkSj }kjk i= dzekad 4230 fnukad 08-02-2024 vuq:i Vh,u, esa 'kkfey fd;s tkus okys
fo"k;%& Vh-lh-,l-lkQ~Vos;j viMs’ku] olwyh ekxZn’kZuA
4
bl izdkj ukckMZ RO Hkksiky }kjk vuqeksfnr& dsys.Mj o"kZ 2023&24 esa 1&17 u;s dkslZst dks
lfEefyr fd;k x;k FkkA ¼ ist uEcj 73 & 74 ½
5-
vr,o lh&isd y[kuÅ }kjk dzekad 1 ls 7 layXu ¼ist uEcj 61 & 72 ½ dk;Zdzeksa esa ls fdu
dk;Zdzeksa dks lfEefyr fd;k tkuk gS ,oa dkslZ dVsVa esa ifjorZu@tksM+uk gS voxr djkuk visf{kr gSA
-5-
1- visDl cSad ds vf/kdkfj;ksa @deZpkfj;ksa gsrq vk;dj] eky ,oa lsokdj ¼th,lVh½
o`fRrdj ,oa cSadlZ pS
pSd ,oa fMekaM MªkQ~
Q~V dh /kks[kk/kMh esa lrdZrk laca/kh izf'k{k.k dk;Zdze
cSafdax dk;Z esa vk;dj] eky ,oa lsokdj¼th,lVh½ ,oa izksQs'kuy VSDl dk vR;f/kd egRo gS bl n`f"V
ls LVkQ dks mijksDr djksa ds izko/kku] VhMh,l ,oa djksa ls laca/kh 'kadkvksa ds lek/kku laca/kh izf'k{k.k
nsuk rFkk cSad dh 'kk[kkvksa }kjk tkjh fd;s tkus okys cSadlZ pSd ,oa fMekaM Mªk¶V esa gksus okyh
/kks[kk/kM+h ds laca/k esa ldrZrk laca/kh izf'k{k.k miyC/k djkuk A
dk;Zdze m)s'; %
izf'k{k.k lekfIr ij izf'k{k.kkFkhZ fuEufyf[kr esa ;ksX;rk@tkudkjh izkIr dj ldsaxs %&
 orZeku esa vk;dj] eky ,oa lsokdj¼th,lVh½ ,oa izksQs'kuy VSDl ds izko/kkuksa dk Kku djkukA
 L=ksr ij dj dVkSrh ,oa foojf.k;ka tek djus laca/kh izko/kkuksa dk Kku djkuk A
 djksa dh x.kuk] dVkSrh ,oa foojf.k;ka tek djus ds laca/k esa izf'k{k.kkfFk;ksa dh 'kadkvksa dk
lek/kkuk djuk A
 cSadlZ pSd ,oa fMekaM MªkQ~V ,ubZ,QVh ,oa vkjVhth,l tkjh djus ds laca/k esa ,uvkbZ ,DV]
vkbZch,] vkbZvkjMh, ,oa chvkj ,DV izeq[k ds izko/kkuksa dk Kku djkuk A
 bZ&fDy;fjax @lhVh,l pSdksa ds Hkqxrku djus esa vkus okyh leL;kvksa dk fujkdj.k djuk A
dk;ZØe fo"k; %
 izf'k{k.k dk;ZØe esa fuEukafdr fo"k;ksa ij foLrkj ls izdk'k Mkyk tk,xk &
 cSadksa ij ykxw vk;dj] eky ,oa lsokdj¼th,lVh½ ,oa izksQs'kuy VSDl ds izko/kkuksa dks mnkgj.k
lfgr le>kuk A
 djksa dh x.kuk ,oa VhMh,l ls laca/kh leL;kvksa ds fujkdj.k gsrq vH;kl djkuk A
 djksa dh x.kuk] dVkSrh ,oa foojf.k;ka tek djus esa vkus okyh leL;kvksa dk fujkdj.k mnkgj.k
lfgr crkuk A
 QthZ cSadlZ pSd ,oa MªkQ~V] ,ubZ,QVh] vkjVhth,l ds tkjh djus ,oa Hkqxrku ds le; viukbZ
tkus okyh lrdZrkvksa dk Kku vH;kl lfgr djkuk ,oa O;ogkfjd v/;;u gsrq 'kk[kk Hkze.k
djkuk A
 bZ&fDy;fjax ,oa lhVh,l pSdksa ds Hkqxkru esa vkus okyh leL;kvks adk fujkdj.k lkQ~Vos;j
baftfu;j ds ek/;e ls mnkgj.k lfgr le>kuk A
izf'k{k.kkFkhZ & ;g dk;ZØe e-iz-jkT; lgdkjh cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq fu/kkZfjr gS A

dkykof/k
dkykof/k & dk;ZØe dh vof/k 3 fnol gS A
-6-
l= ds m)s'; lfgr fnuizfrfnu dk dk;ZØe
1- visDl cSad ds vf/kdkfj;ksa @deZpkfj;ksa gsrq vk;dj]

vk;dj] eky ,oa lsokdj¼th,lVh½
o`fRrdj ,oa cSadlZ psd ,oa fMekaM MªkQ~
Q~V dh /kks[kk/kMh esa lrdZrk laca/kh izf'k{k.k dk;Zdze
fnukad l= fo"k; l= dk m)s';

izFke 1- iath;u ,oa mn~?kkVu izfrHkkfx;ksa ds ifjp; ds ek/;e ls muds
fnol vuqHko dks le>uk ,oa mUgsa izf'k{k.k dh fo"k;
oLrq ls voxr djkuk rFkk ,aVªh ysoy VsLV
ysdj mudk ewY;kadu djuk
2 vk;dj] eky ,oa lsokdj ¼th,lVh½] vk;dj] eky ,oa lsokdj ¼th,lVh½] izksQs'kuy
izksQs'kuy VSdl ds izko/kku] ,oa bZ& VSDl ds izko/kku] ,oa bZ& vkfMV
vkfMV ,oa ,l,QVh A ds laca/k esa mnkgj.k lfgr izf'k{k.k nsuk
3 vk;dj] eky ,oa lsokdj ¼th,lVh½ vk;dj] eky ,oa lsokdj th,lVh½] izksQs'kuy
izksQs'kuy VSDl laca/kh dj dVkSrh ,oa VSDl dh x.kuk ,oa VhMh,l laca/kh izko/kkuksa
foojf.k;ka tek djuk dks mnkgj.k lfgr le>kkuk rFkk blls lca/kh
izek.k i= tkjh djuk ,oa foojf.k;ka tek
djus laca/kh izko/kku ,oa le;kof/k dks
mnkgj.k lfgr le>kuk A
4 vk;dj] eky ,oa lsokdj ¼th,lVh½ vk;dj] eky ,oa lsokdj ¼th,lVh½] izksQs'kuy
izksQs'kuy VSdl ds izko/kku] ,oa bZ& VSDl ds izko/kku] ,oa bZ& vkfMV ls lacaf/kr
vkfMV ls lacaf/kr 'kadk ,oa lek/kku izf'k{k.kkfFkZ;ksa dh 'kadkvksa dks mnkgj.k lfgr a
lek/kku djuk A
f}rh; 1 ,uvkbZ ,DV] vkbZch,] vkbZvkjMh,] ,oa pSd ,oa MªkQ~V tkjh djus ds laca/k esa ,u
fnol chvkj ,DV ds izeq[k izko/kku ,oa isesaV vkbZ ,DV vkbZch,] vkbZvkjMh,] ,oa chvkj
vkQ lsVsyesaV ,DV ,DV laca/kh izko/kkuksa dk Kku mnkgj.k lfgr
djkuk A
2 pSd@MªkQ~V@,ubZ,QVh@vkjVhth,l cSadksa esa gksus okyh pSd@MªkQ~V@,ubZ,QVh@
laca/kh /kks[kk/kM+h jksduk A vkjVhth,l@vkbZ,eih,l@eksckbZy
cSafdax@lhch,l esa xcu /kks[kk/kM+h ,oa muls
fuiVus dh j.kuhfr dks izdj.k v/;;u lfgr
le>kuk A /kks[kk/kM+h ds ckn djsfDVo ,D'ku
,oa vuq'kklukRed dk;Zokgh A
3 pSd@MªkQ~V] ,ubZ,QVh ] vkjVhth,l visDl cSad ds pSd@MªkQ~V ,ubZ,QVh ]
tkjh djus ls laca/kh funsZ'kksa dk ikyu vkjVhth,l vkbZ,eih,l @eksckbZy cSafdax
,oa ,u-ih-lh-vkbZ tkjh djus laca/kh /kks[kk/kM+h@ xcu izdj.k ,oa
cSad }kjk tkjh funsZ'k rFkk dh tkus okyh
dk;Zokgh ,oa bl laca/k esa cSad ds izdj.kksa dk
v/;;u djuk A
4 bZ&fDy;fjax @lhVh,l pSdksa dk bZ&fDy;fjax @lhVh,l pSdksa ds Hkqxrku ,oa
HkqxrkuA bZ&VhMh,l ,oa lhVhvkj iksVZy] bZ&VhMh,l lac/kh izko/kkuksa dk v/;;u ,oa
O;ogkfjd v/;;u 'kk[kk Hkze.k O;ogkfjd v/;;u gsrq 'kk[kk dk Hkze.k djkuk
A
-7-
r`rh; 1 bZ&fDy;fjax @lhVh,l pSdksa dk Hkqxrku bZ&fDy;fjax @lhVh,l pSdksa ds Hkqxrku ,oa
fnol ,oa bZ&VhMh,l bZ&VhMh,l esa vkus okyh leL;kvksa dk
fujkdj.k lkQ~Vos;j baftfu;j dh lgk;rk ls
djkuk A
2 lewg ppkZ djksa dh x.kuk] dVkSrh ,oa foojf.k;ka tek
djuk rFkk cSadlZ pSd@MªkQ~V tkjh djuk ,oa
bZ&VhMh,l esa viukbZ tkus okyh lrdZrk
laca/kh mik;
3 lewg ppkZ lewg ppkZ izLrqfrdj.k
4 l= lekiu dk;ZØe laca/kh QhMcsd izkIr djuk] ,fDtV

ysoy VsLV ysuk ,oa l= lekiu
-8-
2- visDl cSad ds ys[kkf/kdkjh@lgk;d ys[kkf/kdkjh ,oa lkekU; lgk;d gsrq
cSafdax ij izf'k{k.k dk;Zdze
rLi/kkZkkZ ds ifjis{; esa cSad

lkekU; lgk;dksa dh n{krk c<kuk] cSafdax ds Kku esa o`f) djuk A orZeku izfrLi/
}kjk csgrj xzkgd lsok nsuk A
dk;Zdze m)s'; %
izf'k{k.k lekfIr ij izf'k{k.kkFkhZ fuEufyf[kr esa ;ksX;rk @tkudkjh izkIr dj ldsaxs %&
 lkekU; cSafdax cSafdax ds fl)kar ,oa cSafdax fjQkeZ dks le>uk ,oa mldk v/;;u
 fofHkUu izdkj ds vekur [kkrksa dks [kksyus dh izfdz;k ,oa ysu&nsu ds le; /;ku j[kus ;ksX;
lrdZrk,sa A
 cSadksa esa xzkgd laca/k dk egRo ,oa dsok;lh ukeZl~ ds ikyu dk m)s'; A
 cSadksa esa fofHkUu izdkj ds ys[kk j[kus dh i)fr ,oa cqd cSysaflax rFkk fjdaflys'ku dk egRo ,oa
vafre ys[ks rS;kj djus dh i)fr fl[kkuk A
 cSadksa esa ykxw fofHkUu izdkj ds vf/kfu;e tSls fusxksf'k;cy bLVªwesaV ,DV cSafdax jsX;wys'ku ,DV]
e-iz-lgdkjh vf/kfu;e ,oa bUQkesZ'ku VsDukykWth ,DV 2002 vkfn dk v/;;u djkuk
 cSad ds fofHkUu _.kksa dks forfjr djus dh izfØ;k dks le>kuk A
 vlsV~l ,oa yk;fcfyfVt dh tksf[ke ,oa blds ykHkns;rk rFkk foRrh; lqn`<+rk ij iM+us okys
izHkko dks le>uk A
dk;ZØe fo"k; %
izf'k{k.k dk;ZØe esa fuEukafdr fo"k;ksa ij foLrkj ls izdk'k Mkyk tk,xk &
 lkekU; cSafdax cSafdax ds fl)kar ,oa cSafdax fjQkeZ dks le>uk ,oa mldk v/;;u
 fofHkUu izdkj ds vekur [kkrs [kksyuk ,oa ysu&nsu ds le; lrZdrk j[kuk] cSadj xzkgd laca/k
,oa dsok;lh ukeZl~ dk v/;;u djkuk A
 Qly _.k iz.kkyh ,oa ds-lh-lh- dh vo/kkj.kk ,oa bl laca/k esa ukckMZ }kjk fu/kkZfjr uhfr dk
fØ;kUo;u laca/kh v/;;u
 cSadksa esa ykxw fofHkUu izdkj ds vf/kfu;e fusxksf'k;cy bLVªwesaV ,DV] cSafdax jsX;wys'ku ,DV] e-
iz-lgdkjh vf/kfu;e ,oa bUQkesZ'ku VsDukykWth ,DV 2002 dk v/;;u djkuk
 izdj.k v/;;u ds ek/;e ls cSadksa ds vafre [kkrs cukuk fl[kkuk A
 cSadksa esa xcu /kks[kk/kM+h jksdus laca/kh mik;ksa ij ppkZ djuk A
 cSadksa esa Hkqxrku iz.kkyh ds ek/;eksa dk Kku gksukA
izf'k{k.kkFkhZ %
;g dk;ZØe e-iz-jkT; lgdkjh cSad ds ys[kkf/kdkjh@lgk;d ys[kkf/kdkjh ,oa lkekU; lgk;dksa
gsrq fu/kkZfjr gS A
dkykof/k %
dk;ZØe dh vof/k 5 fnol gS A
-9-
l= ds m)s'; lfgr fnu izfrfnu dk dk;ZØe
2- visDl cSad ds ys[kkf/kdkjh@lgk;d ys[kkf/kdkjh ,oa lkekU; lgk;d gsrq
cSafdax ij izf'k{k.k dk;Zdze
izFke 1- iath;u ,oa mn~?kkVu izfrHkkfx;ksa ds ifjp; ds ek/;e ls
fnol muds vuqHko dks le>uk ,oa mUgsa
izf'k{k.k dh fo"k; oLrq ls voxr
djkuk rFkk ,aVªh ysoy VsLV ysdj
mudk ewY;kadu djuk
2- lkekU; cSafdax ,oa cSafdax lkekU; cSafdax&cSafdax ds fl)kar] cSad
lq/kkj dk vFkZ ,oa vkfFkZd mnkjhdj.k ds lkFk
cSafdax {ks= esa ifjorZu
3- fofHkUu izdkj ds vekurnkj fofHkUu izdkj ds vekurnkj] [kkrs
[kksyus dh izfdz;k] fofHkUu izdkj ds
[kkrs&O;fDrxr [kkrs] la;qDr [kkrs]
lk>snkjh [kkrs] daifu;ksa ds [kkrs]
Lok;Ÿk'kklh laLFkkvksa ds [kkrs] VªLV
,dkmaV] lgdkjh laLFkkvksa ds [kkrs]
Dyc ds [kkrs A
4- fofHkUu [kkrksa dk ifjpkyu fofHkUu izdkj dh vekursa rFkk [kkrksa dk
,oa fjdkWUflfy,s’ku ¼leLr½ ifjpkyu] [kkrksa ij O;ogkj] uewuk
gLrk{kj tkWap ,oa izek.khdj.k] ukehus'ku
dk oS|kfud i{k] LFkk;h vkns'k [kkrksa
dk ,d 'kk[kk ls nwljh 'kk[kk dks
varj.k] [kkrs can djuk] vekurnkj dh
e`R;q gksus ij mlds [kkrs esa tek jkf'k
dk fuokj.k] fe;knh vekur] Mcy
fMikftV rFkk fjdfjax [kkrs esa tek
jkf'k ds fo:} _.k ifjiDork iw.kZ
Hkqxrku A cSad dh fofHkUu vekur
;kstuk,W ,oa Dyse lsVyesaVA
f}rh; 1 cSadj xzkgd izca/ku cSadj rFkk xzkgd ds ijLij laca/k]
fnol xzkgd ds izfr cSadj ds oS|kfud nkf;Ro
,oa vf/kdkj] xzkgd dks tksMs j[kus dh
vko';drk] xzkgd&ykHkiznrk fo'ys"k.k]
xzkgd lsok ds lanHkZ esa cSad deZpkfj;ksa
dh Hkwfedk (Customr Relation
Management) ds'kysl cSafdax KYC
,oa AML
2- cSad esa eqnzk izca/ku@udyh cSad esa jksdM foHkkx&izkfIr ,oa Hkqxrku
uksV dh igpku lkbZYM uksV@udyh uksV igpkuus ds
rjhds rFkk udyh uksV dk tIr djuk
- 10 -
3- ,u-vkbZ-,DV vkbZch,] psd]Mªk¶V]izkfeljh uksV fcYl vkQ
vkbZvkjMh, ,uihlhvkbZ ds ,Dlpsat dk vFkZ] ijLij varj] js[kkadu
izeq[k izko/kku ,oa i`"Bkadu A pSd] Mªk¶V izkfeljh uksV
,oa fcYl vkQ ,Dlpsat ds laxzg.k rFkk
Hkqxrku ds le; /;ku j[kus ;ksX; eq[;
fcUnq] laxzg.kdrkZ rFkk HkqxrkudrkZ cSadj
ds nkf;Ro] ,u-vkbZ ,DV ds izeq[k
izko/kku & /kkjk 138 ij fo'ks"k rFkk
,DV vkbZch,] vkbZvkjMh, ,uihlhvkbZ
ds izko/kkuksa ij ppkZ
4- ch-vkj-,DV ds izeq[k izko/kku cSafdax jsX;qys'ku ,DV 1949 ¼tks
lgdkjh laLFkkvksa ij ykxw gS½ ds izeq[k
izko/kku A
r`rh; 1 xcu /kks[kk/kM+h ds dkj.k ,oa cSafdax {ks= esa xcu /kks[kk/kMh & dkj.k]
fnol fuokj.k fuokj.k ,oa iz'kklfud ,oa oS|kfud
dk;Zokgh] f'kdk;r ,oa fuokj.k
izfdz;k A lhch,l varxZr vfu;ferrk
dks igpkuuk ,oa jksdus ds mik;A
2 Qly _.k iz.kkyh d`f"k _.k forj.k]Qly _.k
iz.kkyh]fdlku dzsfMV dkMZ] ftyk
lgdkjh dsUnzh; cSad }kjk Mªkoy izkIr
djus fo"k;d] _.k vkosnu i=] ijh{k.k
nLrkost]C;kt nj vkfn e/;kof/k _.k
ifjorZu 'kwU; izfr'kr ij Qly _.k
,oa eq[;ea=h d`"kd _.k lgk;rk
;kstukA iz/kkuea=h Qly chek
;kstukAMh,evkj ,oa dslhlh :is dkMZ
ij ppkZ
3- vd`f"k _.k dh fofHkUu vd`f"k _.k forj.k dh fofHkUu
;kstuk,sa ,oa izkstsDV viszty ;kstuk,W]m)s';]ekftZu]C;kt nj ,oa
nLrkosthdj.kA izkstsDV viszty dk
O;ogkfjd v/;;u djkuk A lh,e, ,oa
,Dlikstj ukeZl
4- dk;Z'khy iwath dk;Z'khy iwath dk fu/kkZj.k ,oa mldk
ifjpkyu A
prqFkZ 1- olwyh izca/ku ,oa lgdkfjrk olwyh izca/ku ,oa rRlaca/kh oS/kkfud
fnol vf/kfu;e ds izeq[k izko/kku izko/kku rFkk flD;wfjVkbts'ku ,DV ds
izeq[k izko/kku Afdzl] yksd vnkyr ,oa
,d eq'r le>kSrk bR;kfnA
2- tksf[ke izca/ku tksf[ke izca/ku (Risk
Management)@ ,lsV~l
yk;fcfyVht eSaustesaVA (ALM)
3- foosdiw.kZ ekun.M foosdiw.kZ ekun.M ,oa ,u-ih-,- izca/ku A
CRAR dk egRo ,oa x.kukA
- 11 -
4 O;fDrRo fodkl vUrZOSfDrd laca/k@ O;fDrRo fodkl dk
vFkZ ,oa mlds fodkl ds rjhds @ Vhe
fcfYaMx A
iape 1- ekMZu cSafdax ,oa Hkqxrku fjVsy cSafdax vFkok ekMZu
fnol iz.kkyh ds u, ek/;e cSafdax@iluZy cSafdax A eqnzk ,oa isesaV
cSad @Hkqxrku iz.kkyh ds ek/;eA
eksckby ,i ,oa baVjusV cSafdax bR;kfn
2- lk;cj ØkbZe ,oa vkbZ-Vh-,DV vkbZ-Vh- ,DV 2002 ds izko/kku 'kk[kk esa
ds izko/kku ,oa lkbcj dEI;wVj dk mi;ksx] O;kogkfjd Kku
flD;wjVh lkbcj dzkbe A lkbcj lqj{kk] lkbcj
bU’;ksjsUlA
3- lewg ppkZ ,oa izLrqrhdj.k lewg ppkZ &ykHkiznrk c<+kus ds mik;
,oa dk;Z fcUnq
4- l= lekiu dk;ZØe laca/kh QhMcsd izkIr djuk]
lewg ppkZ ,oa ,fDtV ysoy VsLV ysuk
A l= lekiu
- 12 -
3- visDl cSad ds vf/kdkfj;ksa ds fy, ftyk cSadksa ,oa vU; lgdkjh laLFkkvksa ds fujh{k.k
gsrq izf'k{k.k dk;ZØe
lgdkjh laLFkkvksa ,oa ftyk lgdkjh cSadksa ds fujh{k.k esa vkus okyh dfBukb;ksa dk fujkdj.k ,oa
xq.kkRed fujh{k.k dh tkudkjh A
dk;Zdze m)s'; %
izf'k{k.k dk;ZØe dh lekfIr ij izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk@tkudkjh izkIr dj ldsaxs %&

 fujh{k.k ds m)s'; ,oa egRo dks le>uk ,oa fujh{k.k ds ekxZn'khZ fcUnqvksa dks le>uk A
 fujh{k.k esa cSaysal'khV ,oa ykHk gkfu [kkrs ,oa vU; i=dksa dk fo'ys"k.k djuk A
 foosdiw.kZ ekun.M ,oa dkuwuh izko/kkuksa ,oa ds-ok;-lh-ukElZ dk Kku izkIr djuk A
 _.kksa ds nLrkosthdj.k ,oa oS/kkfud i{kksa dks le>uk A
 vU; vd`f"k lgdkjh laLFkkvksa esa fujh{k.k ds nkSjku ns[ks tkus okys i{kksa dks le>uk A
dk;ZØe fo"k; oLrq %

 fujh{k.k m)s'; ,oa j.kuhfr
 fujh{k.k gsrq lq>ko ¼fVIl½ D;k djsa ,oa D;k u djsa \
 fujh{k.k gsrq egRoiw.kZ fcUnqvksa dh tkap lwph rqyukRed i=d A
 ykHk gkfu i=d ds dfe;ksa ,oa mudk fo'ys"k.k
 fofHkUu dkuwuksa ds osS/kkfud izko/kku A
 foosdiw.kZ ekunaM ,oa ds-ok;-lh-ukElZ
 nLrkosthdj.k ,oa fu;e izfØ;k
 fujh{k.k vads{k.k vuqikyu
 vU; vd`f"k laLFkkvksa ds fujh{k.k ds igyw
izf'k{k.kkFkhZ %
;g dk;ZØe e- iz- jkT; lgdkjh cSad ds vf/kdkfj;ksa gsrq fu/kkZfjr gS A
dkykof/k %
- 13 -
3- visDl cSad ds vf/kdkfj;ks
vf/kdkfj;ksa ds fy, ftyk cSadksa ,oa vU; lgdkjh laLFkkvksa ds fujh{k.k
gsrq izf'k{k.k dk;ZØe
fnol vuqHko dks le>uk ,oa mUgsa izf'k{k.k dh
fo"k; oLrq ls voxr djkuk rFkk ,aVªh ysoy
VsLV ysdj mudk ewY;kadu djuk
2- fujh{k.k dk m)s'; ,oa egRo fujh{k.k dk m)s';] ftyk lgdkjh cSad ,oa
dEI;wVj okrkoj.k lfgr laLFkkvksa ds fujh{k.k dh j.kuhfr ( strategy)
rS;kj djuk A dEI;wVj okrkoj.k lfgr
foLrkj ls le>kuk A bZ&dksvkijsfVo MkVk
fQfMax rFkk lek/kku vku ykbZu ,oa eq[;ea=h
ekfuVfjax ls lacaf/kr fo"k;ksa ij Hkh fujh{k.k
ds oDr leh{kk djukA 'kk[kk @ eq[;ky;
esa psd dh tkus okyh lhch,l dh izeq[k
fjiksVZl~ ,oa bu’;ksj iksVZy ¼ukckMZ½
3- fujh{k.k dh xq.koRrk ,oa fujh{k.k dh xq.koRrk ,oa ukckMZ ds ekxZn'kZu
ukckMZ ds v|ru funsZ'k laca/kh izeq[k fcanq fujh{k.k izk:i ij ppkZ
4- fujh{k.k izfrosnu rS;kj djuk fujh{k.k vf/kdkfj;kas ds fy, lq>ko ¼fVIl½
D;k djs ,oa D;k ugha djsa ] xq.koRrkiw.kZ
fujh{k.k fjiksVZ rS;kj djuk A
f}rh; 1- fujh{k.k izfrosnu esa ys[kk fujh{k.k gsrq egRoiw.kZ fcUnqvksa dh tkap lwph
fnol i=dksa dk fo'ys"k.k ykHk gkfu [kkrk ,oa cSysal'khV i=dksa dk
ijh{k.k dfe;ka ,oa fo'ys"k.k
2- foosdiw.kZ ekun.M foosdiw.kZ ekun.M ,oa izko/kku laca/kh
nLrkost ,oa vfHker
3- ch-vkj-,DV ds izeq[k izko/kku ch-vkj- ,DV ds egRoiw.kZ izko/kku
4- vkarfjd fu;a=.k iz.kkyh ys[kk iqfLrdk,Wa ,oa vkarfjd fu;a=.k A
vekurs] ds-ok;-lh- ukeZl~ C;kt nj x.kuk ,oa
vU; izek.k ukekadu izfdz;k vk; dk fjlko
jksduk A QaM] xoZesaV flD;wfjVh ,oa
baosLVesaV izca/ku bR;kfnA fjiksfVZax flLVe
r`rh; 1- _.k ,oa vfxze dk ijh{k.k _.k ,oa vfxze & _.kksa dk oS/kkfud i{k
fnol fu;e izfdz;k ,oa nLrkosthdj.k A ds'k ,oa
cSad cSysal & feyku] lwpuk iz.kkyh fujh{k.k
,oa vads{k.k vuqikyuk A
2- vU; lgdkjh laLFkkvksa ds cqudj laLFkkvksa] ekdsZfVax laLFkkvksa lgdkjh
fujh{k.k ds izeq[k izko/kku izfdz;k lkslk;Vh esa ns[ks tkus okys i{kA
,uMhvkj dh x.kukA fujh{k.k izk:i ij ppkZ
A
3- lewg ppkZ ,oa izLrqrhdj.k lewg ppkZ & fujh{k.k dk xq.kkRed cukus gsrq
dk;ZfcUnq ,oa lewg ppkZ izLrqrhdj.k
4- l= lekiu dk;ZØe laca/kh QhMcsd izkIr djuk ,oaa
,fDtV ysoy VsLV ysuk
- 14 -
4 visDl cSad ds vf/kdkfj;ksa dks foHkkxh; tkap dh izfØ;k ,oa fofHkUu igywvksa ls voxr djkus
vf/kdkfj;ksa dks foHkkxh; tkap dh izfdz;k ,oa fofHkUu igywvksa ls voxr djkuk A
dk;Zdze m)s'; %
izf'k{k.k dk;ZØe dh lekfIr ij izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk (skill) izkIr dj

ldsaxs %&
 cSad esa vuq'kklu ,oa foHkkxh; tkap izfdz;k dks le>uk A
 izkjafHkd ,oa foHkkxh; tkap ds fofHkUu igyw ,oa fu/kkZfjr izfØ;k dh tkudkjh izkIr djuk A
 tkap vf/kdkjh ds izLrqrdrkZ vf/kdkjh ds drZO;ksa ds ckjs esa le>uk A
 fofHkUu l{;ksa dk egRo ,oa tkap esa muds izLrqrhdj.k dks le>uk A
 tkap dk;Zokgh fooj.k dks fyf[kuk ,oa tkap fjiksVZ rS;kj djus dh izfdz;k dks le>uk A ,oa
tkap ls lacaf/kr v/;;u izdj.kksa ih ppkZ dj tkap ds xw<+ igywvksa dks le>uk A

 vuq'kklu dh vo/kkj.kk] lkekU; ,oa xaHkhj nqjkpj.k ,oa tkap laLFkkfir djuk A
 izkjafHkd ,oa foHkkxh; tkap
 tkap vf/kdkjh ,oa izLrqrdrkZ vf/kdkjh ds drZO;
 tkap dk;Zokgh lEiUu djuk] tkap dk;Zokgh fooj.k rS;kj djuk A
 tkap fjiksVZ rS;kj djuk A
 izdj.k v/;;ukas dk v/;;u ,oa ppkZ
izf'k{k.kkFkhZ %
;g dk;ZØe e-iz-jkT; lgdkjh cSad ds vf/kdkfj;ksa gsrq fu/kkZfjr gS A
dkykof/k %
- 15 -
4- visDl cSad ds vf/kdkfj;ksa dks foHkkxh; tkap dh izfØ;k ,oa fofHkUu igywvksa ls voxr djkus

fo"k; oLrq ls voxr djkuk rFkk ,aVªh
ysoy VsLV ysdj mudk ewY;kadu djuk
2 tkap dh vo/kkj.kk ,oa vuq'kklu dh vo/kkj.kk A cSad }kjk
rRlaca/kh izko/kku fu/kkZfjr lkekU; ,oa xaHkhj nqjkpj.k A
nqjkpj.k dh fLFkfr esa tkap laLFkkfir
djuk A izkd`frd U;k; dk fl)kar
dkuwuh izko/kku A lsokfu;e ds izko/kku
3 izkjafHkd ,oa foHkkxh; tkap izkjafHkd ,oa foHkkxh; tkap A pktZ'khV
tkjh djus ds iwoZ i= }kjk deZpkjh dks
lwfpr djuk fd mlds mRrj ls cSad
larq"V ugh gS A rRi'pkr pktZ'khV
rS;kj djuk ,oa pktZ'khV dk tkjh djuk
A nLrkost ,oa lk{;ksa dk layXuhdj.k A
tkap vf/kdkjh ,oa izLrqrdrkZ vf/kdkjh
dh fu;qfDr A
4 izLrqrdrkZ ,oa tkap vf/kdkjh tkap vf/kdkjh ds drZO; A tkap esa
ds drZO;] dk;Zokgh fooj.k dh izLrqrdrkZ vf/kdkjh ds drZO; A lk{;ksa
izfØ;k dk egRo ,oa izdkj vkjksikas dk i{k
leFkZu ,oa izfrijh{k.k (Cross
Examination ) tkap dk;Zokgh dk
laiUu djuk A dk;Zokgh fooj.k
(Proceeding) rS;kj djuk A vkjksih
dks tkap esa viuk i{k leFkZu ds fy,
fdlh O;fDr dks vf/kd`r djuk A
f}rh; 1 tkap izfrosnu dk ys[ku tkap fjiksVZ dks rS;kj djuk A fu"d"kZ ds
fnol fy, tkap ds laca/k esa l{ke vf/kdkjh dk
fu.kZ; A f}rh; dkj.k crkvks uksfVl dk
tkjh djuk A vkjksih dks vafre ckj i{k
leFkZu] rRi'pkr~ fu.kZ; lqukuk A
nqjkpj.k ds lerqY;
(PROPORTIONATE) n.M dk
vf/kjksi.k A O;fDrxr Qkby esa ufLr A
fu.kZ; ds fo:) lsokfu;e vuqlkj vihy
dk izko/kku A
2- fofHkUu izdj.kksa dk v/;;u foHkkxh; tkap ds fofHkUu izdj.kksa dk
v/;;u ,oa ppkZ (case studies )
3- vH;kl l= tkap izfdz;k dk Kku ,oa vH;kl djkuk
MOCK- EXCERCISE
- 16 -
r`rh; 1 lewg ppkZ 1- lewg ppkZ & foHkkxh; tkap esa ik;h
fnol tkus okyh lkekU; =qfV;ka ,oa lq>ko
lko/kkfu;ka A
2- lewg ppkZ 2-lewg ppkZ & vf/kdkjh dh dk;Zokgh esa
xokgksa ds c;ku laca/kh lko/kkfu;ka
3- lewg ppkZ izLrqrhdj.k lewg ppkZ ds fu"d"kZ dk izLrqrhdj.k
4 l= lekiu dk;ZØe laca/kh QhMcsd izkIr djuk ,oa

,fDtV ysoy VsLV ysuk A
- 17 -
5 visDl cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq cSadj xzkgd laca/kksa ij izf'k{k.k dk;ZØe
cSafdax dk;Z esa cSadj& xzkgd laca/kksa ds egRo dks le>rs gq, cSadj dks laizs"k.k dkS'ky
cSad izkMDVl +
dh tkudkjh ,oa cSad }kjk xzkgdksa gsrq u, varj.k ek/;eksa dh tkudkjh miyC/k djkukA
dk;Zdze m)s'; %
 cnyrs ifjn`'; esa cSadj& xzkgd laca/kksa dks le>uk dk Kku djkuk A
 laizs"k.k dkS'ky dk Kku djkukA
 cSafdax izkMDVl dk Kku djkukA
 xzkgdksa ls lacaf/kr dkuwuh izko/kkuksa dk KkuA
 Li/kkZ ds ;qx esa cSad dh ekdsZfVax ,oa czkafMax gsrq Kku djkukA

 cSadj xzkgd laca/k & vo/kkj.kk ,oa egRo A
 laiz"k.k dkS'ky
 cSafdax izkMDVl
 Digitilization of Banking
 ekdsZfVax ,oa czkafMax
 dkuwuh izeq[k izko/kku
izf'k{k.kkFkhZ %
;g dk;ZØe visDl cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq fu/kkZfjr gSA
dkykof/k %
- 18 -
5 vis
visDl cSad ds deZpkfj;ksa gsrq cSadj xzkgd laca/kksa ij izf'k{k.k dk;ZØe

izFke 1- iath;u ,oa mn~?kkVu izfrHkkfx;ksa ds ifjp; ds ek/;e
fnol ls muds vuqHko dks le>uk ,oa
mUgsa izf'k{k.k dh fo"k; oLrq ls
voxr djkuk
2 cSadj xzkgd laca/k cSadj xzkgd laca/kksa dh vo/kkj.kk
egRo xzkgdksa dh vko';drk u,
izkMDVl ,oa xzgdks dks cSadksa ls
tksM+s j[kuk ,oa f’kdk;r fuokj.kA
Dyse lsVyesaVA
3 lEizs"k.k dkS'ky cSadksa esa izHkkoh lEisz"k.k dk egRo
izfdz;k ,oa mik;A
4 Digitilization of Banking xzkgdksa ds fy, varj.k ds u,
ek/;e tSls RTGS, NEFT,
Mobile banking ,oa fofHkUu
apps. ,aM ekdsZV czkafMax
f}rh; 1 dkuwuh izko/kku cSadksa esa xzkgdksa ls lacaf/kr izeq[k
fnol izko/kku ,oa ekdsZV czkafMax
2 lgdkjh cSadksa esa xzkgd cSadj lgdkjh cSadksa ds lanHkZ esa cSadj
laca/k xzkgd laca/kksa dh fLFkfr ,oa
lq/kkjus gsrq mik;ksa ij ppkZ A
xksbZiqfj;k desVh dh vuq'kalk,WA
3 ekdsZfVax czkafMax cSadksa esa xzkgd laca/kksa dks lqn`<+
djus gsrq ekdsZfVax ,oa czkafMax dk
egRo ,oa ek/;eA izfrLi/kkZ izca/ku
4 cSafdax izkMDVl~ cSad esa miyC/k vekur ,oa _.k
laca/kh izkMDVl ,oa vU; lsok,WA
r`rh; 1 cSadj xzkgd uhfr ,oa j.kuhfr cSadksa esa lhvkj,e uhfr dk egRo
fnol ,oa fdz;kUo;u gsrq j.kuhfrA
flVhtu pkVZj ,oa dLVej
QhMcSdA
2 cSadj& xzkgd O;ogkj Msoyfiax ikftfVo ,VhV~;wM ,V
odZ Iysl@ Vhe fcfYMax
@Mk;ykWx ,.M usxksf'k,'ku @
LVªsl esustesaV
3 lewg ppkZ ,oa izLrqrhdj.k fo"k; & cSadj xzkgd laca/k lq/kkjus
gsrq dk;Z;kstuk ,oa izLrqrhdj.k
4 l= lekiu ,fDtV VsLV ,oa ewY;kadu l=
lekiu A
- 19 -
6. Know your customer, Prevention of Money Laundering
and customer protection
Duration 3 Days
Participants Executive Assistants of all Cooperative Banks
Objectives To undrstand PMLA its provisions and

KYC
Contents PMLA, KYC, FATF and Reporting system
under PMLA etc
Day to Day schedule

Day Sessions Topics coverd
I 1 Registration and Inaugration
2 Emerging challenges in the banking sector and
expectation of customers
3 Banking Reports and cyber security/audit
4 Redressal of customers grievances
II 1 Main guideline of PMLA Act
2 Concept, need and importance KYC Norms
3 FATF and FATF recommendation of FIU
4 Reporting system under PMLA
III 1 Role of customer in reference KYC
2 KYC policy in Banks
3 Group discussion – Importance of KYC in Bank
4 Evaluation and Velediction
- 20 -
7- ftyk cSadksa ds vf/kdkjh@deZpkjh gsrq vkarfjd fu;a
fu;=.k
a=.k iz.kkyh ,oa xcu /kks[kk/kM+h dh
jksdFkke ij izf'k{k.k dk;ZØe
vkarfjd fu;a=.k iz.kkyh ,oa xcu /kks[kk/kM+h dh jksdFkke gsrq Kku djkuk A
dk;Zdze m)s'; %
izf'k{k.k dk;ZØe dh lekfIr ij izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk@tkudkjh izkIr dj

ldsaxs %&
 vkarfjd fu;a=.k iz.kkyh dk egRo ,oa vko';drk
 vkarfjd ,oa oS/kkfud vads{k.k dk mUu;u ,oa vk{ksiksa dh vuqikyuk rS;kj djus dh izfdz;k dks
le>kuk A
 fujh{k.k dk;Zokgh ds izeq[k vkifRr;ksa ,oa mudk fujkdj.k A
 fofHkUu desfV;ksa dh flQkfj'kksa dk Kku djkuk A
 xcu /kks[kk/kM+h dh oS/kkfud fLFkfr A
 cSad esa xcu /kks[kk/kM+h ds eq[; {ks=ksa dk Kku djkuk ,oa jksdFkke ds mik; le>kuk
 ds-ok;-lh-ukelZ] ,-,y-,e-] lkbcj dk;Zdze ds fofHkUu i{kksa dks le>kuk A

 vkarfjd fu;a=.k iz.kkyh dk egRo
 fujh{k.k ds izeq[k fcUnq vkifRr;ka ,oa mudk fujkdj.k A
 vads{k.k vkifRr;kWa ,oa mudh vuqikyuk A
 ijks{k fuxjkuh iz.kkyh ,oa izc/akdh; lwpuk iz.kkyh A
 ?kks"k @ftykuh desVh dh flQkkfj'ksa A
 xcu /kks[kk/kM+h ds izeq[k {ks= ,oa mudh jksdFkke A
 xcu /kks[kk/kM+h dh oS/kkfud fLFkfr ,oa dk;Zokgh A
 ds-ok;-lh-],-,y-,e- lkbcj Økbe] vk;-Vh-,DV ds izeq[k izko/kku
izf'k{k.kkFkhZ %
;g dk;ZØe ftyk lgdkjh cSad ds vf/kdkjh@deZpkfj;ksa gsrq fu/kkZfjr gS A
dkykof/k %
- 21 -
7- ftyk cSadksa ds vf/kdkjh@deZpkjh gsrq vkarfjd fu;=.k iz.kkyh ,oa xcu /kks[kk/kM+h
dh jksdFkke ij izf'k{k.k dk;ZØe
2 cSadksa esa vkarfjd fu;=a.k vFkZO;oLFkk ds mnkjhdj.k ds lkFk cSadksa esa
iz.kkyh vkarfjd fu;a=.k iz.kkyh dk egRo]
vko';drk] lko/kkfu;ka ,oa tksf[ke
3 vkarfjd ,oa oS/kkfud vad{k.k vkrafjd ,oa oS/kkfud vads{k.k dks etcwr
cukus ds mik; voa vk{ksiksa dh vuqikyuk A
4 fujh{k.k izeq[k vkifRr;ka ,oa fujh{k.k ds izeq[k fcUnq ,oa ik;h tkus okyh
fujkdj.k izeq[k vkifRr;ka ,oa mudk fujkdj.k A
f}rh; 1 ijks{k fuxjkuh iz.kkyh cSad esa ,e-vkbZ-,l-,oa ijks{k fuxjkuh iz.kkyh
fnol ds ek/;e ls lrr fuxjkuh ,oa _.k
ekfuVfjax flLVeAAuxnh ,oa cSad 'ks"k
lR;kiu laca/kh izko/kku ,oa izfdz;k dks
le>kuk ,oa vks ,l ,l iksVZy ij ppkZ
2 ?kks"k ,oa ftykuh desVh dh ?kks"k desVh dh flQkfj'ks A ftykuh desVh
flQkfj'ksa ,oa ukckMZ ds v|ru funsZ'k
3 xcu /kks[kk/kM+h ds eq[; {ks= cSadksa esa xcu /kks[kk/kMh ds eq[; {ks=] mldh
,oa jksdFkke jksdFkke ,oa chek DyseA
4 xcu /kks[kk/kM+h oS/kkfud ,oa cSadksa esa xcu /kks[kk/kMh dh oS/kkfud fLFkfr
iz'kklfud dk;Zokgh ,oa iz'kklfud rFkk oS/kkfud dk;Zokgh A
r`rh; 1 ds-ok;-lh ,oa ,-,e-,y- ukeZl~ K.Y.C. ukeZl E.K.Y.C, C.K.Y.C ,oa
fnol Anti-Money Laundring Norms
2 lkbcj ØkbZe ,oa lkbcj chek lkbcj dzkbe@lwpuk izkS|ksfxdh dkuwu ds
laca/k esa izeq[k izko/kku lhch,l varxZr
'kk[kk@ eq[;ky; esa psd dh tkus okyh
fjiksVZl
3 lewg ppkZ ,oa izLrqrhdj.k dsl LVMh@lewg ppkZ&cSadksa esa xcu
/kks[kk/kMh jksdus ds mik; ,oa iz;kl A
,fDtV ysoy VsLV ysuk] lekiu
- 22 -
8- ftyk cSadksa ds vf/kdkfj;ksa gsrq foosdiw.kZ ekun.M ,oa /kkjk 11¼1½ ij izf'k{k.k dk;ZØe
vf/kdkfj;ksa dks foosdiw.kZ ekun.M ds izko/kku ,oa vuqi;ksT; vkfLr;ksa ds izek.k ds laca/k esa foLr`r
tkudkjh miyC/k djkuk A
dk;Zdze m)s'; %
ldsaxs %&
 foosdiw.kZ ekun.M ds fofHkUu ?kVdksa dh tkudkjh ,oa rRlaca/kh fjtoZ cSad ,oa ukckMZ ds v|ru
funsZ'kksa dk Kku djkuk A
 ch-vkj-,DV dh /kkjk 11¼1½ ds varxZr okLrfod ,oa fofue; ;ksX; ewY; dh x.kuk djuk ,oa
le>kuk ,oa izHkko
 vuqi;ksT; vkfLr;ksa dk Kku djkuk ,oa muds izca/ku dk Kku djkuk A
 /kkjk 11¼1½ ds cSadksa dk foRrh; izc/ku dSls djuk le>kuk A
 e-iz- ds lgdkjh cSadksa dh fLFkfr dk Kku djkuk A

 cSadksa esa foRrh; lq/kkj ds laca/k esa fofHkUu desfV;ksa dh tkudkjh izkIr djuk A
 foosdiw.kZ ekunaM iwath i;kZIrk ch-vkj-,DV dh /kkjk 11¼1½ dk foLrkj ,oa v|ru funsZ'k
 /kkjk 11 ¼1½ds ikyu djus dk izHkko ,oa ikyu djus gsrq mik;
 /kkjk 11 ¼1½ ij izdj.k v/;;u
 detksj cSadksa dk foRrh; izca/ku ;kstuk cukuk ,oa fdz;kUo;u djuk A
 vuqi;kstu vkfLr;ksa dh vo/kkj.kk ,oa mudk izca/ku
izf'k{k.kkFkhZ %
dkykof/k %
- 23 -
8- ftyk cSadksa ds vf/kdkfj;ksa gsrq foosdiw.kZ ekun.M ,oa /kkjk 11¼1½ ij izf'k{k.k dk;ZØe

2 cSafdax fjQkeZl vFkZO;oLFkk ds mnkjhdj.k ds lanHkZ esa
cSafdax {ks= ds fjQkeZ
3 foosdiw.kZ ekun.M foosdiw.kZ ekun.M] fofHkUu ?kVd vk; dh
x.kuk] vkfLr;ksa dk oxhZdj.k izko/kku rFkk
iwath i;kZIrrk dk fl)kar A,uih, dh
foLr`r ppkZ A¼izdj.k v/;;u ½
4 ch-vkj-,DV dh /kkjk 11¼1½ ,oa cSadksa }kjk cSafdax jsX;qys'ku ,DV dh /kkjk 11
ukckMZ ds v|ru funsZ'k ¼1½ dh x.kuk ,oa ukckMZ ds funsZ'k ,oa
vis{kk,W A
f}rh; 1 /kkjk 11¼1½] 22¼3,½] 22¼3ch½ /kkjk 11 ¼1½ ds ifjis{; esa 22¼3,½] 22¼3ch½
fnol ,oa 35¼,½ dk cSad ij izHkko ,oa 35¼,½ ds ikyu u djus dk izHkko ,oa
yk;lsaflax gsrq fofHkUu ukeZl~ ikyuA
2 ,u-ih-,- izca/ku ,u-ih-,- izca/ku
3 olwyh izca/ku oS|kfud olwyh ,oa olwyh izca/ku ,oa
flD;wfjVkbts'ku ,DV ds izko/kku A
4 foRrh; izca/ku foRrh; izca/ku@(DAP-MOU) ¼izdj.k
v/;;u ½
r`rh; 1 /kkjk 11¼1½ ij v/;;u izdj.k /kkjk 11 ¼1½ ij v/;;u izdj.k }kjk /kkjk
fnol 11¼1½ ds ikyu djus gsrq mik;A
2- izns'k dh ftyk cSadksa dh /kkjk e-iz- ds lgdkjh cSadksa esa /kkjk 11 ¼1½ ds
11¼1½ laca/kh dk;Z;kstuk ,oa ikyu djus dh fLFkfr;kW@bl lanHkZ esa
lhvkj,vkj dh x.kuk A izns'k Lrj ij rS;kj dh xbZ dk;Z ;kstuk
,oa lq/kkjkRed mik; rFkk mnkgj.k lfgr
lhvkj,vkj dh x.kuk djkuk
3- lewg ppkZ ,oa izLrqrhdj.k lewg ppkZ& ch-vkj-,DV dh /kkjk 11 ¼1½ lss
ckgj vkus ds mik; ,oa dk;ZfcUnq A
4- l= lekiu dk;ZØe laca/kh QhMcsd izkIr djuk] ,oa
- 24 -
9- ftyk cSadksa ds vf/kdkfj;ksa gsrq izkstsDV viz
vizsty
ty ,oa ysafMax ij izf'k{k.k dk;Zdze
cSad vf/kdkfj;ksa dks izkstsDV vizkty dk Kku djkukA
dk;Zdze m)s'; %
 cSadksa }kjk izkstsDV _.k ds ek/;e ls _.k forj.k dk Kku djkukA

 izca/kdh;] rduhdh ,oa cktkj ds vizkty dk Kku djkukA
 vo:) iawth ¼Block capital ) ,oa dk;Z'khy iwath (Working capital ) ds fu/kkZj.k dh
izfdz;k lh[kukA
 okf"kZd ys[kk foojf.k;ksa dk fo'ys"k.k dj le>kukA

 izkstsDV vizksp ¼project approach )
 STEP fo'ys"k.k
 izca/kdh;] rduhdh ekdsZfVax ,oa foRrh; lekU;rk bR;kfnA
 vo:) ,oa dk;Z'khy iwath x.kukA
 foRrh; i=dksa dk fo'ys"k.k
 vuqikr fo'ys"k.k (Ratio Analysis )
 Debt equity Ratio, DSCR, BEP, IRR, NPV Senstitiy
analysis.
izf'k{k.kkFkhZ %
dkykof/k %
- 25 -
9- ftyk cSad ds vf/kdkfj;ksa gsrq izkstsDV vizsty
ty ,oa ysafMax ij izf'k{k.k dk;Zdze

2 izkstsDV vizksp ifj;kstuk _.k ds fofHkUu i{k] izkstsDV
pdz] izkstsDV fuek.kZ] fdz;kUo;u ,oa izkstsDV
vizkty ,oa xOgjesaV QkbusUl flLVe
¼ih,etstsok;]ih,e,lchok;]vVy isa’ku
;kstuk rFkk xzhu Qkbusflax½
3 STEP fo'ys"k.k izkstsDV ds ckgjh okrkoj.k dks STEP dks
fo'sy"k.k ds ek/;e ls le>uk A
4 izkstsDV vizkty ifj;kstuk izca/kdh; rduhdh foRrh; ,oa cktkj laca/kh
laHkkO;rk laHkkO;rk
f}rh; 1 vo:) ,oa dk;Z'khy iwath izkstsDV dh foRrh; vko';drk gsrq vo:)
fnol vkadyu ,oa dk;Z'khy iwath dk vkadyu xzhu
¼Block and working Qk;usflax DykbZesV pSat izHkko ,oa xOgjesaV
capital ) izk;ksftr ;kstuk,sa
2 foRrh; i=dksa dk fo'ys"k.k foRrh; i=dksa dk fo'ys"k.k dj le>ukA
3 vuqikr fo'ys"k.k DEBT Equity ratio DSCR, BEP
NPV IRR ,oa Sensitivity fo'ys"k.k
4 ukckMZ }kjk tkjh fn'kk funsZ'k ukckMZ }kjk tkjh fn'kk funsZ'k ,oa fofHkUu
,oa fofHkUu ekWMy izkstsDV ekWMy izkstsDVA ,vkj,Q fn'kk funsZ'kA
r`rh; 1 ekMy izkstsDVl~ Ms;jh QkfeZax ,oa ikyVjh QkfeZax vkfn dk
fnol ekMy izkstsDV
2 izkstsDV lgdkjh cSadksa ds ek/;e ls izkstsDV _.k
forj.k dk fLFkfr@ fn'kk funsZ'k ,oa ;kstuk
,Vh,y Ldhe dh tkudkjh
3 nLrkosthdj.k vkosnu dk ijh{k.k psdfyLV ,oa lacaf/kr
nLrkost
4 lewg ppkZ & lewg ppkZ& izkstsDV _.k forj.k esa /;ku
j[kus ;ksX; fcUnqA l= lekiu
- 26 -
10- ftyk cSadksa ds fyfidksa gsrq dk;kZRed izf'k{k.k dk;ZØe
cSadksa ds ifjpkyu gsrq fofHkUu fo"k;ksa dk Kku djkuk ,oa egRoiw.kZ izko/kkuksa dh tkudkjh nsuk
n{krk esa o`f) djuk A
dk;Zdze m)s'; %
izf'k{k.k dk;ZØe ds mijkar izfrHkkxhx.k fuEuor Kku izkIr dj ldsaxs %&
 izfrHkkfx;ksa dks cSafdax ifjn`'; esa cnyko ,oa lgdkjh cSadksa dh fLFkfr dk Kku djkuk ,oa bl
laca/k esa ujflage desVh dh vuq'kalkvksa dk Kku djkuk A
 cSafdax dk vk'k; cSafdax O;olk; dk vFkZ fofHkUu izdkj ds cSad ,oa cSadksa ds dzfed fodkl dk
Kku djkuk A
 fofHkUu vf/kfu;eksa ds izeq[k izko/kkuksa dks le>kuk
 Qly _.k iz.kkyh ,oa cSad dh dk;Zokgh dk v/;;u djkuk
 cSafdax esa ys[kkadu i)fr dk Kku djkuk A
 cSadj xzkgd laca/kksa ij foLr`r tkudkjh nsdj le>kuk A
 _.k izca/ku ,oa fofHkUu vd`f"k ;kstukvksa dk Kku djkuk A
 fofHkUu izdkj vekurnkj ,oa vekur [kkrksa laca/kh fu;e ,oa izfdz;kvksa dk Kkuk djkuk
 laizs"k.k ,oa i=kpkj A
 Lo;a lgk;rk lewg] d`"kd Dyc ,oa la;qDr ns;rk lewg dk Kku djkuk A

 cSafdax ,oa cSafdax lq/kkj
 fofHkUu vf/kfu;eksa ds izeq[k izko/kku
 ys[kkadu i)fr
 ch-vkj- ,DV ds izko/kku
 Qly _.k iz.kkyh
 cSafdax ifjpkyu esa xcu /kks[kk/kM+h ,oa mls jksdus ds mik;
 fofHkUu izdkj ds vekurnkj ,oa vekur [kkrs A
 laizs"k.k ,oa i=kpkj
 Lo;a lgk;rk lewg] d`"kd Dyc ,oa la;qDr ns;rk lewg dk Kku djkuk A
izf'k{k.kkFkhZ %
;g dk;ZØe ftyk lgdkjh cSad ds fyfidksa gsrq fu/kkZfjr gS A
dkykof/k %
dk;ZØe dh vof/k 6 fnol gSA

- 27 -
10- ftyk cSadksa ds fyfidksa gsrq dk;kZRed izf'k{k.k dk;ZØe
fnukad l= fo"k;
fo"k ; l= dk m)s';
2 cSafdax fjQkeZl cSafdax dk cnyrk ifjn`'; ,oa lgdkjh
cSadksa dh fLFkfr
3 cSad dk vk'k; ,oa fodkl cSad dk vk'k;] izdkj] fofo/k dk;Z] cSafdax
uoksUes"kh cSafdax O;olk; dk vFkZ Hkkjr esa cSafdax
lajpuk& vYidkyhu lgdkjh lk[k
_.k lajpuk uoksUes"kh cSafdax
4 ,u-vkbZ-,DV ds izeq[k izko/kkufuxksf'k,cy bULVwesaV ,DV ds izeq[k
izko/kku A
f}rh; 1 lgdkfjrk vf/kfu;e e/; izns'k lgdkjh lfefr;kW vf/kfu;e
fnol 1960 ds izeq[k izko/kku ,oa v|ru
la'kks/ku A
2 dk;Z laiknu esa ekuoh; cSad dk;Z laiknu esa ekuo
O;ogkj O;ogkj&vfHkizsj.kk ,oa O;fDrRo fodkl
3 ch-vkj-,DV ds izeq[k izko/kku cSafdax jsX;qys'ku ,DV ds izeq[k izko/kku]
tks fd lgdkjh cSadksa ij ykxw gks A
4 /ku&izs"k.k ds ek/;e ,oa /ku izs"k.k] ,MokbZt] Mh-Mh-]jkT; Lrjh;
lko/kkfu;ka NPCI ,oa mlds ikjLifjd Hkqxrku ;kstuk ,oa /ku izs"k.k ds
dk;Z fofHkUu rjhds A RTGS/NEFT Dyh;fjax
gkml ¼lek'kks/ku x`g½ Hkqxrku ds rjhds
(Mode of payments ) @ ds'k ysl
cSafdax ds ek/;e A
r`rh; 1 Qly _.k iz.kkyh fdlku dzsfMV dkMZ ;kstuk] Qly _.k
fnol iz.kkyh rFkk chek ;kstukA Qly _.k
iz.kkyh dh vo/kkj.kk] ukckMZ }kjk fu/kkZfjr
uhfr dk fdz;kUo;uA Qly _.k gsrq
ukckMZ ls iqufoZRr izkfIr dh izfØ;k ekSleh
vuq'kklu] ukWu vksojM~;wdoj] y?kq d`"kdksa
dks izkFkfedrk] vuqlwfpr tutkfr {ks=
dks _.k forj.k] _.kksa dh C;kt njsa ,oa
C;kt vuqnku Dyse i=d rS;kj djuk ,oa
leL;kvksa dk fujkdj.k A e/;kof/k _.k
ifjorZu ,oa eq[;ea=h d`"kd _.k lgk;rk
;kstuk ,oa 'kwU; izfr'kr ij _.k miyC/k
djkuk A iz/kkuea=h Qly chek ;kstukA
Mh,evkj ,oa dslhlh :ih dkMZA
Mh,evkj ij ppkZ A @Hkkokarj ;kstuk
2 cSadksa esa ys[kkadu iz.kkyh ftyk lgdkjh dsUnzh; cSad esa j[kh tkus
okyh fofHkUu iqfLrdk,W] tujy ystj]
- 28 -
OgkmplZ] jksdM+ fy[kus dh i)fr] C;kt
dh x.kuk] ukckMZ o 'kh"kZ cSad dks Hksts
tkus okys i=d A foRrh; ysa[kkadu ,oa
vafre ys[ks rS;kj djukA
3 fofHkUu fofue; lk/; foys[k psd] MªkQ~V] fcYl vkWQ ,Dlpsat] ijLij
varj.k] js[kkdau& i`"Bkdau o buds
Hkqxrku ds le; /;ku j[kus okys fcUnq@
,u-vkbZ-,DV ds izeq[k izko/kku A
4 cqd cSysaflax ,oa 'kk[kk feyku cqd cSysflax ,oa fjdalhys'ku] eq[;ky; ls
'kk[kk,W o fofHkUu cSadksa ds djaV [kkrs dk
feyku djuk@fofHkUu cSadksa esa [kkrksa dk
feyku ,oa feyku dk egRo ¼izdj.k
v/;;u ½AvkfMVhx dEI;wVj okrkoj.k
prqFkZ 1 xzkgd lsok xzkgd lsok ,oa xksbZiksfj;k desVh dh
fnol flQkfj'ksa A ds'kysl cSafdax A
2 xcu /kks[kk/kM+h jksdFkke ds cSafdax O;ogkj o ifjpkyu esa xcu
mik; /kks[kk/kMh jksdus ds mik; deZpkfj;ksa dks
/;ku j[kus ;ksX; fcUnq A lkbcj dzkbZe
dh igpku ,oa jksdFkke ds mik;A vkj-ch-
vkbZ@ ukckMZ dks Hksts tkus okys i=dA
3 ds'k ØsfMV fyfeV laLFkkvksa dks Lohd`r dh tkus okyh dS'k
dzsfMV fyfeV A
4 dksj cSfdax cSad esa mi;ksx fd;s tkus okys lkQ~Vos;j
ds laca/k esa tkudkjh ,oa mRiUu leL;kvksa
dk lek/kku A
iape 1 foosdiw.kZ ekun.M foosdiw.kZ ekun.M&,u-ih-,- dh x.kuk ,oa
fnol izca/ku Alhvkj,vkj x.kukA
2 Lo;a lgk;rk lewg ,oa d`"kd Lo;a lgk;rk lewg dk xBu ,oa
Dyc PFO ifjpkyu@ foRrh; lekos'ku d`"kd Dyc]
ts-,y-th-dh vo/kkj.kk A
3 _.k fofof/kdj.k _.kksa ds fofo/khdj.k dk egRo ,oa
vko';drk] vd`f"k _.k] d`"ksRrj _.k ,oa
nLrkosthdj.k ,xzksDyhud@,xzks fctusl
4 fofHkUu izdkj ds vekurnkj fofHkUu izdkj ds vekurnkj ,oa [kkrk
,oa fofHkUu [krksa dk ifjpkyu [kksyus esa j[kh tkus okyh lko/kkfu;kW@
K.Y.C. ukeZl ,oa ,-,e-,y-ukeZl A
"k"Be 1 fofHkUu [kkrksa dk ifjpkyu fofHkUu izdkj ds vekursa] [kkrs [kksyus esa
fnol cjrh tkus okyh lko/kkfu;kW] [kkrs can
djuk] ifjiDork iwoZ Hkqxrku] iklcqd esa
,UVªh dk oS|kkfud i{k A DEAF afunsZ'k
,oa ikyukA e`rd [kkrsnkjksa dh Hkqxrku
izfdz;k
2 lEizs"k.k dkS'ky@O;fDrRo lEizs"k.k i=kpkj ,oa dk;kZy;hu izca/k dk

fodkl ds fo"k;A egRo A
- 29 -
3 udyh uksV igpku ,o udyh uksV dh igpku djuk ,oa tIr
tIrhdj.k djuk dVs&QVs uksV ,oa vkjchvkbZ dh
uhfr@dEI;wVj tkx:drk O;kogkfjd
v/;;u A 'kk[kk Hkze.k
4 lewg ppkZ &izLrqfrdj.k ,oa lewg ppkZ &'kk[kk dh ykHkiznrk]fuf/k;ksa
l= lekiu dk ladyu ,oa O;olk; o`f) gsrq
dk;ZfcUnq A dk;ZØe laca/kh QhMcsd izkIr
djuk] lewg ppkZ ,oa
- 30 -
11- ftyk lgdkjh cSadksa ds vf/kdkfj;ksa gsrq cSafdax ij ekLVlZ VsªulZ fjQsz’kj Vªsfuax dk;ZØe
;g dk;Zdze ftyk cSad ls p;fur vf/kdkfj;ksa ds fy, ekLVlZ VªsulZ rS;kj djus gsrq fu/kkZfjr fd;k
x;k gS ftlls fd ekLVlZ VªsulZ vko';drkuqlkj os vius cSadksa esa izf'k{k.k iznku dj ldsA
dk;Zdze m)s'; %
 izf'k{k.k cSadksa ds eq[; fo"k; ;Fkk ch-vkj-,DV ,u-vkbZ ,DV dkWvkijsfVo ,DV dk Kku djkuk
 izf'k{kdksa dks iwath i;kZIrrk ch-vkj-,DV dh /kkjk 11 dk Kku djkuk lkFk gh ykHk vk;kstuk dh
ppkZ djukA
 izf'k{kdksa dks u;s lanHkksZ esa xzkgd cSadj laca/kksa dk Kku djkukA ds'k ysl O;ogkj dk Kku djkuk
A
 foosdiw.kZ ekun.M] ,uih, izca/ku oS/kkfud olwyh dk Kku djkukA
 cSafdax esa (Mode of Payment ) ds ek/;eksa dh tkudkjh nsuk

 fofHkUu dkuwu & ch vkj ,DV] ,u vkbZ ,DV ,oa dkWvkijsfVo ,DV A
 foosdiw.kZ ekun.M
 ,l ,y vkj fofu;kstu
 cSadj xzkgd laca/k
 tksf[ke izca/ku
 ds-ok;-lh
 fofHkUu djk/kkuksa dh tkudkjh nsuk
 O;k[;ku rS;kj djuk ,oa izLrqrhdj.k A
izf'k{k.kkFkhZ %
;g dk;ZØe ftyk cSad ds vf/kdkjh gsrq fu/kkZfjr gS A
dkykof/k %
- 31 -
11- ftyk lgdkjh cSadksa ds vf/kdkfj;ksa gsrq cSafdax ij ekLVlZ VsªulZ fjQsz’kj Vªsfuax
dk;ZØe

izFke 1- iath;u ,oa mn~?kkVu iath;u ,oa 'kqHkkjaHk
fnol
2 cSafdax cnyrk ifjn`'; cSafdax cnyrk ifjn`';
( Banking Reforms )
3 cSadks ij ykxw gksus okys fofHkUu lgdkjh cSadksa ls lacaf/kr fofHkUu
dkuwu dkuwu ch vkj ,DV] ,u vkbZ ,DV
,oa dkWvkijsfVo ,DV bR;kfn
4 cSadj xzkgd laca/k cSadj xzkgd laca/k u, ifjisz{; esa
cSadksa ds le{k xzkgdksa dks tksM+s
j[kus dh pqukSfrA xzkgdksa ds fy,
Hkqxrku ds fofHkUu ek/;e
(Mode of Payment) ds'kysl
O;ogkj ds ykHkA
f}rh; 1 /kkjk 11¼1½ ch-vkj-,DV dh /kkjk 11¼1½ dh
fnol x.kuk ,oa mldk cSad ij izHkko A
2 foosdiw.kZ ekun.M foosdiw.kZ ekun.M] lh vkj , vkj
dh x.kuk ,oa cSadksa ds fy, mldk
egRo A
3 ,u-ih-,- izc/aku ,u ih , ,oa mldk izca/ku A
oS/kkfud olwyh A
4 tksf[ke izca/ku cSadksa esa fofHkUu izdkj dh tksf[ke
,oa mudk izca/kuA
r`rh; 1 ds-ok;-lh uhfr ds-ok;-lh- uhfr ,oa mlds izko/kku
fnol
2 djk/kku dk Kku cSadksa gsrq vk;dj] lfoZl VsDl ,oa
izksQs'kuy VSDl ds izeq[k izko/kkuA
3 lkbcj lqj{kk lkbcj dzkbZe ,.M flD;wfjVh]
vkbZ-Vh- ,DV ds izeq[k izko/kku
4 cSadksa ds vekur ,oa _.k mRikn cSad ds vekur ,oa _.kksa ds
fofHkUu mRikn ,oa vU; cSadksa ls
rqyukA
prqFkZ 1 izca/kdh; lwpuk iz.kkyh vkj-ch-vkbZ- ukckMZ visDl cSad dks
fnol Hksts tkus okys i=d ,oa mudk
egRoA
2 fujh{k.k ,oa vads{k.k fujh{k.k ,oa vads{k.k dk egRo]
oxhZdj.k ,oa vuqikyukA
3 fuos'k izca/ku ,l ,y vkj fofu;kstu bl laca/k

- 32 -
esa izko/kkuA flD;wjhVh fofu;kstu
ds le; /;ku nsus ;ksX; fcUnq A
4 chek ;kstuk,W cSadksa }kjk lapkfyr fofHkUu chek
;kstuk,W ,oa d`"dksa gsrq cSadksa ds
ek/;e ls lapkfyr 'kklu dh
;kstuk,W A
iape 1 ykHk vk;kstuk ykHk vk;kstuk ykHk dk egRo
fnol
2 izf'k{k.k dkS'ky (Training izf'k{k.k dh vko';drk ,oa
Skills) izf'k{k.k dks'ky
3 varZO;fDrd laca/k @ Vhe varZO;fDrd laca/k @ Vhe fcfYMax
fcfYMax @ usr`Ro fodkl @osY;w @ usr`Ro fodkl @ osY;w ,.M
,.M ,fFkDl bu flLVe ,fFkDl bu flLVe
4 O;k[;ku rS;kj djuk izf'k{k.kkfFkZ;ksa }kjk fofHkUu fo"k;ksa
ij O;k[;ku rS;kj djukA
"k"Be 1 O;k[;ku izLrqrhdj.k izf'k{k.kkfFkZ;ksa }kjk rS;kj O;k[;ku
fnol dk izLrqfrdj.kA
2 O;k[;ku izLrqrhdj.k izf'k{k.kkfFkZ;ksa }kjk rS;kj O;k[;ku
dk izLrqfrdj.kA
3 lewg ppkZ izLrqfrdj.k lewg ppkZ & O;k[;ku rS;kj djus
,oa izLrqrhdj.k esa /;ku j[kus
;ksX; fcanq
4 ewY;kadu l= lekiu ewY;kadu l= lekiu
- 33 -
12- ftyk cSadksksa ds vf/kdkfj;ksa gsrq Lo;a lgk;rk lewg ,oa ,Qihvks la;qDr ns;rk lewg ,oa
foRrh; lekos'k ijij izf'k{k.k dk;ZØe
Lo;a lgk;rk lewg ,oa d`"kd Dyc ds egRo ls voxr djkuk ,oa muds ek/;e ls vkfFkZd
fodkl djkuk A
dk;Zdze m)s'; %
izf'k{k.k dk;ZØe ds mijkar izf'k{.kkFkhZ fuEukuqlkj ;ksX;rk@Kku izkIr dj ldsaxs %&
 cnyrs vkfFkZd ifjn`'; esa lgdkjh cSadksa dh Hkwfedk
 Lo;a lgk;rk lewg dk vk'k; xBu ,oa dk;Zi)fr
 lgdkjh cSadksa dh ykHkiznrk esa Lo;a lgk;rk lewgksa ,oa d`"kd Dycksa ds ;ksxnku dk Kku djkuk
 QhYM foftV ds ek/;e ls Lo;a lgk;rk lewgksa ds dh dk;Z fof/k dks le>uk ,oa xzqi ppkZdj
fjiksVZ izLrqr djuk A

 Lo;a lgk;rk lewg dk vk'k; xBu ,oa dk;Zi)fr
 cSadksa dh O;olk; o`f) esa lewgksa ,oa Dycksa dk ;ksxnku
 ,u-th-vksa-ds dk;Z ,oa lewgksa ls lEc)hdj.k
 QhYM foftV }kjk lewgksa dh dk;Zi)fr dks le>uk A
 la;qDr ns;rk lewg ,oa ukckMZ dh ukuQkeZ lsDVj dh ;kstuk,W A
 _.k fofof/kdj.k A
izf'k{k.kkFkhZ %
;g dk;ZØe ftyk cSadksa ds vf/kdkjh ,oa deZpkjh x.k gsrq fu/kkZfjr gS A
dkykof/k %
- 34 -
12 Lo;a lgk;rk lewg ,oa ,Qihvks ij izf'k{k.k dk;ZØe

izFke fnol 1- iath;u ,oa mn~?kkVu izfrHkkfx;ksa ds ifjp; ds ek/;e ls muds
Lo;a lgk;rk lewg dk vk'k; vuqHko dks le>uk ,oa mUgsa izf'k{k.k dh
,oa egRo fo"k; oLrq ls voxr djkuk rFkk ,aVªh
Lo;a lgk;rk lewg dk vk'k; ,oa egRo
A
2 Lo;a lgk;rk lewg dh dk;Z Lo;a lgk;rk lewg dh igpku] xBu
i)fr rFkk dk;Z i)fr ,oa ewY;kadu rFkk cSadks
ls laca/khdj.k ¼foRrh; lekos'ku ½
3 Lo;a lgk;rk lewg O;olk; lgdkjh lfefr;ksa@cSadksa dh ykHkiznrk
o`f) esa volj ,oa O;olk; o`f) esa Lo lgk;rk lewgksa
dk ;ksxnku ,oa ,uvkj,y,eA
4 xsSj ljdkjh laxBu ,oa Lo;a ,uthvks ds dk;Z] egRo ,oa 'kkldh;
lgk;rk lewg esa Hkwfedk ;kstukvksa ls laca/khdj.k SHG esa NGO
,Qihvks dh Hkwfedk ,uthvks ds izfrfuf/k dk Lo;a
lgk;rk lewg ds laca/k esa O;k[;ku
,Qihvks
f}rh; 1 ukckMZ ds v|ru funsZ'k Lo;a lgk;rk lewg ,oa d`"kd Dycksa ds
fnol laca/k esa ukckMZ dk vuqHko ,oa vis{kk;saA
,oa ih,e,Q,ebZ] ,vkbZ,Q,
2 _.kks dk fofo/khdj.k _.k fofof/kdj.k ,oa nLrkosthdj.k A
3 ts-,y-th-,oa ukuQkeZ lsDVj la;qDr ns;rk lewg] ukuQkeZ lsDVj
;kstuk rFkk 'ks;j dzkizj] VsusaV ;kstuk rFkk 'ks;j dzkizj] VsusaV QkeZj ,oa
QkeZj ,oa vksjy fyth vksjy fyth vkfn dks _.k iznk; djus
laca/kh ;kstukvksa dhs foLrkj ls ppkZ
djuk A ukckMZ dh ,u-,Q-,l- ,o
,l,lihvkbZ ;kstukvksa dks le>kuk
4 Lo;a lgk;rk lewg dh e-iz-esa Lo lgk;rk lewgksa ds ek/;e ls _.k
fLFkfr ,oa iqufoZRr forj.k dh e-iz-esa fLFkfr] lgdkjh cSadksa
ds fy;s izns'k Lrj ij dk;Z
;kstuk@vis{kk,W ,oa iquZfoRr dh fLFkfr A
r`rh; fnol 1&4 fQYM foftV QhYM foftV A
prqFkZ fnol 1 QhYM foftV fjiksVZrS;kj QhYM foftV dh fjiksVZ rS;kj djuk A
djuk A
2 QhYM foftV fjiksVZrS;kj QhYM foftV dh fjiksVZ rS;kj djuk A
djuk
3 QhYM foftV fjiksVZ dk QhYM foftV fjiksVZ dk izLrqrhdj.k
izLrqrhdj.k
4 QhYM foftV fjiksVZ dk QhYM foftV fjiksVZ & izLrqrhdj.k A
izLrqrhdj.k
iape fnol 1- O;fDrRo fodkl O;fDrRo dk rkRi;Z ,oa mlds fodkl ds
- 35 -
mik;
2 lewg ppkZ lewg ppkZ& Lo lgk;rk lewgksa dk csSadksa
dh ykHkns;rk esa egRo laca/kh dk;ZfcUnq A
3 lewg ppkZ izLrqfrdj.k lewg ppkZ izLrqfrdj.k
,fDtV ysoy VsLV ysuk
- 36 -
13- ftyk cSad ds vf/kdkfj;ksa gsrq ykHkizn fofu;kstu rFkk ,l,yvkj fofu;kstu laca/kh
izf'k{k.k dk;Zdze
cSad ds vf/kdkfj;ksa dks ykHkizn fofu;kstu gsrq ,l ,y vkj ,oa ukWu ,l ,y vkj rFkk flD;wfjVh VªsfMax
ds laca/k esa Kku djkuk
dk;Zdze m)s'; %
 ykHkizn fofu;kstu ds egRo dk Kku djkuk
 ,l-,y-vkj- fofu;kstu laca/kh izko/kkuksa dk Kku djkukA
 Hkkjrh; cktkj dk Kku djkuk
 flD;wjhVht Vh-fcYl- ckaMl dk Kku djkukA
 flD;wjVht laca/kh fn'kk funsZ'kksa @i;Zos{k.k dk Kku djkukA
dk;ZØe fo"k; %
 fofu;kstu laca/kh Hkkjrh; fjtoZ cSad ds fn'kk funsZ'kA
 fuos'k uhfr ¼Investment Policy ½
 Hkkjrh; cktkj O;oLFkk
 ,l-th-,y- [kkrs ds ek/;e ls O;ogkj
 flD;wjVh@Vh-fcYl @ ckaM bR;kfn
izf'k{k.kkFkhZ & ;g dk;ZØe ftyk lgdkjh cSad ds vf/kdkfj;ksa gsrq fu/kkZfjr gS A
dkykof/k & dk;ZØe dh vof/k 3 fnol gS A
- 37 -
13- ftyk cSad ds vf/kdkfj;ksa gsrq ykHkizn fofu;kstu rFkk ,l,yvkj fofu;kstu laca/kh
izf'k{k.k dk;Zdze
l= fo"k; l= dk m)s';
fnuka
fnukad
2 Hkkjrh; eqnzk cktkj Hkkjrh; eqnzk cktkj@ Hkkjrh; MsV cktkj
3- Hkkjrh; fjtZo cSad fn'kk funsZ'ka Hkkjrh; fjtZo cSad ds fofu;kstu laca/kh
fn'kk funsZ'ka
4- fofu;kstu uhfr cSad dh fofu;kstu uhfr ,oa lkekU;
fn'kk funsZ'k A
f}rh; 1 fofuos'k izfdz;k ,l-th-,y-[kkrs ds ek/;e ls laO;ogkj A
fofuos'k izfdz;kA
2 Yield ] dwiu jsV Current Yield ,oa Yield dh vo/kkj.kk] dwiu jsV
NPV Kkr djuk Current Yield ,oa NPV bR;kfn Kkr
djuk
3 flD;wjVht VªsfMax flD;wjVht ¼xouZesaV flD;wfjVht½ MsV
cktkj Vh- fcYl ckaMl dh tkudkjh ,oa
flD;wjVht VªsfMax A
4 flD;wjVht VªsfMax Valuation of Investment &
Investment fluctuation reserve /
fofu;kstu dk oxhZdj.kA
r`rh; 1 vkarfjd fu;a=.k vkarfjd fu;a=.k ,oa fofu;kstu ys[kkadu
fnol
2 ukWu ,l-,y-vkj fofu;kstu ukWu& ,l-,y-vkj- fofu;kstu
3 lewgppkZ izLrqrhdj.k A lewg ppkZ fofu;kstu esa /;ku j[kus ;ksX;
fcUnq
4 lewgppkZ izLrqrhdj.k A lewgppkZ izLrqrhdj.k A
- 38 -
14- ftyk cSadksa ds deZpkfj;ksa gsrq cSadksa dh ys[kk i)fr vafre ys[ks rS;kj djuk] cSyal
s 'khV
fo'ys"k.k] djksa dh x.kuk ,oa dVkSrh djuk C;kt x.kuk] vkjchvkbZ]ukckMZ ,oa visDl cSad dks
Hksts tkus okys i=d vkfn ls lacaf/kr izf'k{k.k dk;Zdze
cSadksa dh ys[kk i)fr] vafre ys[ks rS;kj] cSysal'khV fo'ys"k.k] vk;dj] lfoZl VSDl]
o`fRrdj] C;kt x.kuk vkfn dh tkudkjh nsuk A
dk;Zdze m)s'; %
izf'k{k.k dk;ZØe ds mijkar izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk@Kku izkIr dj ldsaxs %&
 ftyk cSadksa dh ys[kk i)fr dkKku djkuk A
 vafre ys[ks rS;kj djuk ,oa mudk fo'ys"k.k
 vk;dj] lfoZl VSDl] o`fRrdj ds izko/kkuksa dh tkudkjh nsuk A
dk;ZØe fo"k; oLrq

oLrq %
 cnyrs vkfFkZd ifjn`'; dk cSafdax O;olk; ij izHkko A
 cSadksa dh ys[kk i)fr
 vafre ys[ks rS;kj djuk A
 cSaysal 'khV ,oa foRrh; vuqikr fo'ys"k.k
 cqd cSysaflax ,oa fjdalhys,'ku
 /ku izs"k.k ds ek/;e
 vkj-ch-vkbZ- ukckMZ ,oa visDl cSad dsk Hksts tkus okys i=d
 vk;dj] o`fRrdj lfoZl VsDl ds izko/kku ,oa dVkS=k A
izf'k{k.kkFkhZ %
;g dk;ZØe ftyk cSadksa ds vf/kdkjh ,oa deZpkjh x.k gsrq fu/kkZfjr gS A
dkykof/k %
- 39 -
14- ftyk cSadksa ds deZpkfj;ksa gsrq cSadksa dh ys[kk i)fr vafre ys[ks rS;kj djuk] cSyal
s 'khV
fo'ys"k.k] djksa dh x.kuk ,oa dVkSrh djuk C;kt x.kuk] vkjchvkbZ]ukckMZ ,oa visDl cSad dks
Hksts tkus
tkus okys i=d vkfn ls lacaf/kr izf'k{k.k dk;Zdze

2 cSfdax fjQkeZl cSad dk vk'k; izdkj fofo/k dk;Z cSafdax
O;olk; dk vFkZ ,oa cSafdax fjQkeZl~
3 ftyk cSadksa dh ys[kk i)fr ftyk cSadksa dh ys[kk i)fr] Ogkmpj
ystj tujy ystj] jksdM+ ,oa lgk;d
cfg;ksa esa izfof"V;kW djus esa lrZdrk,Wa
4 vafre ys[ks] ryiV ,oa vafre ys[ks rS;kj djuk A
f}rh; 1 cqd cSaysal ,oa fjdaflfy,'ku cqd cSysaflax ,oa cSad fjdalhfy,'ku A
fnol
2 oS/kkfud i=d vkjchvkbZ] ukckMZ ,oa visDl cSad dks
Hksts tkus okys oS/kkfud i=d
3 cSaysal'khV fo'ys"k.k cSaysal'khV ,oa foRrh; vuqikr fo'ys"k.k
4 /kuizs"k.k ds ek/;e] ,ubZ,QVh /kuizs"k.k ,MokbZt] Mh-Mh- tkjh djuk]
,oa vkjVhth,l ,e,,l]a ,vkbZ,e,,l] a ,ubZ,QVh]
vkjVhth,l ,oa /ku izs"k.k ds fofHkUu
rjhdksa dh foLrkj ls ppkZ djuk
(Digital Mode of payments)
r`rh; 1&3 cSadksa ij ykxw gksus okys vk;dj eky ,oa lsokdj ¼th ,l Vh ½
fnol djk/kku laca/kh izfdz;kA izksQs'kuy VsSDl ds izko/kku dj dVkSrh
,oa bZ-vkfMV ,oa izf'k{k.kkfFkZ;ksa dh
'kadkvksa dks mnkgj.k lfgr lek/kku
djukA foojf.k;kW tek djus laca/kh
izko/kku ,oa le;kof/k dks mnkgj.k
lfgr le>kukA
4 lewg ppkZ ,oa izLrqrhdj.k lewg ppkZ ys[kk i)fr dks lqn`<+ cukus
l= lekiuA ds dk;Z fcUnq ,oa izLrqrhdj.kA
- 40 -
15 - ftyk cSad ds vf/kdkfj;ksa gsrq foHkkxh; tkap dh izfdz;k ,oa fofHkUu igywvksa ls
voxr djkus laca/kh izf'k{k.k dk;Zdze
vf/kdkfj;ksa dks foHkkxh; tkap dh izfdz;k ,oa fofHkUu igywvksa ls voxr djkuk A
dk;Zdze m)s'; %
izf'k{k.k dk;ZØe dh lekfIr ij izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk ¼Skill) izkIr dj ldsaxs %&
 cSad esa vuq'kklu ,oa foHkkxh; tkap izfdz;k dks le>uk A
 izkjafHkd ,oa foHkkxh; tkap ds fofHkUu igyw ,oa fu/kkZfjr izfØ;k dh tkudkjh izkIr djuk A
 tkap vf/kdkjh ds izLrqrdrkZ vf/kdkjh ds drZO;ksa ds ckjs esa le>uk A
 fofHkUu l{;ksa dk egRo ,oa tkap esa muds izLrqrhdj.k dks le>uk A
 tkap dk;Zokgh fooj.k dks fyf[kuk ,oa tkap fjiksVZ rS;kj djus dh izfdz;k dks le>uk ,oa tkap
ls lacaf/kr v/;;u izdj.kksa ih ppkZ dj tkap ds xw<+ igywvksa dks le>uk A

 vuq'kklu dh vo/kkj.kk] lkekU; ,oa xaHkhj nqjkpj.k ,oa tkap laLFkkfir djuk A
 izkjafHkd ,oa foHkkxh; tkap
 tkap vf/kdkjh ,oa izLrqrdrkZ vf/kdkjh ds drZO;
 tkap dk;Zokgh lEiUu djuk] tkap dk;Zokgh fooj.k rS;kj djuk A
 tkap fjiksVZ rS;kj djuk A
 izdj.k v/;;ukas dk v/;;u ,oa ppkZ
izf'k{k.kkFkhZ %
;g dk;ZØe ftyk lgdkjh cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq fu/kkZfjr gS A
dkykof/k %

- 41 -
15- ftyk cSad ds vf/kdkfj;ksa gsrq foHkkxh; tkap dh izfdz;k ,oa fofHkUu igywvksa ls voxr djkus

2 tkap dh vo/kkj.kk ,oa vuq'kklu dh vo/kkj.kk A cSad }kjk fu/kkZfjr
rRlaca/kh izko/kku lkekU; ,oa xaHkhj nqjkpj.k A nqjkpj.k dh
fLFkfr esa tkap laLFkkfir djuk A izkd`frd
U;k; dk fl)kar dkuwuh izko/kku A
lsokfu;e ds izko/kku A
3 izkjafHkd ,oa foHkkxh; tkap izkjafHkd ,oa foHkkxh; tkap A pktZ'khV tkjh
djus ds iwoZ i= }kjk deZpkjh dks lwfpr
djuk fd mlds mRrj ls cSad larq"V ugh gS
A rRi'pkr pktZ'khV rS;kj djuk ,oa
pktZ'khV dk tkjh djuk A nLrkost ,oa
lk{;ksa dk layXuhdj.k A tkap vf/kdkjh ,oa
izLrqrdrkZ vf/kdkjh dh fu;qfDr A
4 izLrqrdrkZ ,oa tkap vf/kdkjh tkap vf/kdkjh ds drZO; A tkap esa
ds drZO;] dk;Zokgh fooj.k izLrqrdrkZ vf/kdkjh ds drZO; A lk{;ksa dk
dh izfØ;k egRo ,oa izdkj vkjksikas dk i{k leFkZu ,oa
izfrijh{k.k (Cross Examination ) tkap dk;Zokgh
dk laiUu djuk A dk;Zokgh fooj.k
(Proceeding) rS;kj djuk A vkjksih dks tkap
esa viuk i{k leFkZu ds fy, fdlh O;fDr dks
vf/kd`r djuk A
f}rh; 1 tkap izfrosnu dk ys[ku tkap fjiksVZ dks rS;kj djuk A fu"d"kZ ds fy,
fnol tkap ds laca/k esa l{ke vf/kdkjh dk fu.kZ; A
f}rh; dkj.k crkvks uksfVl dk tkjh djuk
A vkjksih dks vafre ckj i{k leFkZu]
rRi'pkr~ fu.kZ; lqukuk A nqjkpj.k ds
lerqY; (PROPORTIONATE) n.M dk
vf/kjksi.k A O;fDrxr Qkby esa ufLr A
fu.kZ; ds fo:) lsokfu;e vuqlkj vihy dk
izko/kku A
2- fofHkUu izdj.kksa dk v/;;u foHkkxh; tkap ds fofHkUu izdj.kksa dk v/;;u
,oa ppkZ (case studies )
MOCK- EXCERCISE
MOCK- EXCERCISE
r`rh; 1 lewg ppkZ 1- lewg ppkZ & foHkkxh; tkap esa ik;h tkus
fnol okyh lkekU; =qfV;ka ,oa lq>ko lko/kkfu;ka A
- 42 -
2- lewg ppkZ 2-lewg ppkZ & vf/kdkjh dh dk;Zokgh esa
xokgksa ds c;ku laca/kh lko/kkfu;ka A
3- lewg ppkZ izLrqrhdj.k lewg ppkZ ds fu"d"kZ dk izLrqrhdj.k
- 43 -
16- ftyk cSadksa ds vf/kdkfj;ksa gsrq tksf[ke izca/ku ¼, ,y ,e izca/ku ½ij izf'k{k.k dk;Zdze
cSad ds vf/kdkfj;ksa dks orZeku esa cSafdax ds varxZr vkus okyh tksf[kekas dk Kku djkuk ,oa izca/ku dh
tkudkjh nsuk A
dk;Zdze m)s'; %
 orZeku ifjn`'; esa cSad dks le{k izLrqr tksf[keksa dk Kku djkukA
 tksf[ke dh fu;a=.k iz.kkyh dks le>ukA
 vkfLr ns;rk izca/kd ds ek/;e ls tksf[ke dks fu;af=r djukA

 cnyrs ifjn`'; esa tksf[ke izca/ku
 vfLr ns;rk izca/ku
 lk[k tksf[ke ,oa mldk izca/ku
 rjyrk tksf[ke ,oa mldk izca/ku
 rjyrk tksf[ke ,oa C;ktnjksa dh tksf[ke
 cSad esa tksf[ke fu;a=.k gsrq izca/kdh; lwpuk iz.kkyh] lwpukvksa dk ladyu] fo'ys"k.k ,oa
fu.kZ; ysukA
 iwath i;kZIrrk ,oa tksf[ke dk laca/k lhvkj,vkj dh x.kukA
 dEI;wVjhd`r okrkoj.k esa tksf[ke izca/ku A
izf'k{k.kkFkhZ %
dkykof/k %
- 44 -
16- ftyk
ftyk cSadksa ds vf/kdkfj;ksa gsrq tksf[ke izca/ku ¼, ,y ,e izca/ku ½ij izf'k{k.k dk;Zdze

izFke 1- iath;u ,oa mn~?kkVu izfrHkkfx;ksa ls ifjp; ds ek/;e ls muds
2 vfLr ns;rk izca/ku vfLr ns;rk izc/aku dk mn~ns';] fofHkUu
tksf[ke ,oa mudk izca/kuA
3 lk[k tksf[ke lk[k tksf[ke dkj.k ,oa fu;=.k iz.kkyh
4 rjyrk tksf[ke ,.oa C;kt njksa cSadesa rjyrk tksf[ke rFkk C;kt njksa
dh tksf[ke ¼bUVjsLV jsV fjLd ½ tksf[ke dkj.k fuokj.k
f}rh; 1 tksf[ke izca/ku gsrq ica/kdh; cSad esa tksf[ke fu;a=.k gsrq izca/kdh; lwpuk
fnol lwpuk iz.kkyh iz.kkyh] lwpukvksa dk ladyu fo'ys"k.k ,oa
fu.kZ; ysukA
2 iwath i;kZIrrk iwath i;kZIrrk ,oa tksf[ke dk laca/k
lhvkj,vkj dh x.kuk dks le>kuk ,oa
lhvkj,vkj vuqikr dks lq/kkjus ds mik;ksa
ij ppkZA
3 dEI;wVjhdj.k okrkoj.k esa cSad esa Lopkfyr cSfadx ls mRiUu tksf[ke
tksf[ke izca/ku ,oa lqj{kkA
4 cSad esa tksf[ke izca/ku gsrq Hkkjrh; fjtoZ cSad ukckMZ }kjk cSadksa esa
vkjchvkbZ@ukckMZ funsZ'k tksf[ke fu;a=.k gsrq fn'kk funsZ'k ,oa lq/kkj
gsrq vis{kk,W
r`rh; 1 tksf[ke izc/aku ,oa ykHk tksf[ke izca/ku ,oa ykHk vfHk;kstuk
fnol vk;kstuk
2 cSadksa esa tksf[ke fu;=.k cSadksa esa tksf[ke fu;=.k
3 lewg ppkZ & rS;kj djuk cSSadksa esa ik;h tksus okys fofHkUu tksf[ke ,oa
muij fu;=.k ds mik;
4 lewg ppkZ & izLrqrhdj.k rS;kj djuk ,oa izLrqrhdj.k l= lekiu
- 45 -
17 ftyk lgdkjh dsUnzh; cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq
cSadj xzkgd laca/kksa ij izf'k{k.k dk;ZØe
cSafdax dk;Z esa cSadj& xzkgd laca/kksa ds egRo dks le>rs gq, cSadj dks laizs"k.k dkS'ky
cSad izkMDVl +
dh tkudkjh ,oa cSad }kjk xzkgdksa gsrq u, varj.k ek/;eksa dh tkudkjh miyC/k djkukA
dk;Zdze m)s'; %
 cnyrs ifjn`'; esa cSadj& xzkgd laca/kksa dks le>uk dk Kku djkuk A
 laizs"k.k dkS'ky dk Kku djkukA
 cSafdax izkMDVl dk Kku djkukA
 xzkgdksa ls lacaf/kr dkuwuh izko/kkuksa dk KkuA
 Li/kkZ ds ;qx esa cSad dh ekdsZfVax ,oa czkafMax gsrq Kku djkukA
dk;Z
 cSadj xzkgd laca/k & vo/kkj.kk ,oa egRo A
 laiz"k.k dkS'ky
 cSafdax izkMDVl
 Digitilization of Banking
 ekdsZfVax ,oa czkafMax
 dkuwuh izeq[k izko/kku
izf'k{k.kkFkhZ
'k{k.kkFkhZ %
;g dk;ZØe visDl cSad @ftyk lgdkjh dsUnzh; cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq fu/kkZfjr
gSA
dkykof/k %
- 46 -
17 ftyk cSadksa ds deZpkfj;ksa gsrq cSadj xzkgd laca/kksa ij izf'k{k.k dk;ZØe

voxr djkuk
2 cSadj xzkgd laca/k cSadj xzkgd laca/kksa dh vo/kkj.kk
egRo xzkgdksa dh vko';drk u,
izkMDVl ,oa xzgdks dks cSadksa ls
tksM+s j[kuk ,oa f’kdk;r fuokj.kA
3 lEizs"k.k dkS'ky cSadksa esa izHkkoh lEisz"k.k dk egRo
izfdz;k ,oa mik;A
4 Digitilization of Banking xzkgdksa ds fy, varj.k ds u,
ek/;e tSls RTGS, NEFT,
Mobile banking ,oa fofHkUu
apps. ,aM ekdsZV czkafMax
f}rh; 1 dkuwuh izko/kku cSadksa esa xzkgdksa ls lacaf/kr izeq[k
fnol izko/kku ,oa Dyse lsVyesaVA
2 lgdkjh cSadksa esa xzkgd cSadj lgdkjh cSadksa ds lanHkZ esa cSadj
laca/k xzkgd laca/kksa dh fLFkfr ,oa
lq/kkjus gsrq mik;ksa ij ppkZ A
xksbZiqfj;k desVh dh vuq'kalk,WA
3 ekdsZfVax czkafMax cSadksa esa xzkgd laca/kksa dks lqn`<+
djus gsrq ekdsZfVax ,oa czkafMax dk
egRo ,oa ek/;e A
4 cSafdax izkMDVl~ cSad esa miyC/k vekur ,oa _.k
laca/kh izkMDVl ,oa vU; lsok,WA
r`rh; 1 cSadj xzkgd uhfr ,oa j.kuhfr cSadksa esa lhvkj,e uhfr dk egRo
fnol ,oa fdz;kUo;u gsrq j.kuhfrA
flVhtu pkVZj ,oa dLVej
QhMcSdA
2 cSadj& xzkgd O;ogkj Msoyfiax ikftfVo ,VhV~;wM ,V
odZ Iysl@ Vhe fcfYMax
@Mk;ykWx ,.M usxksf'k,'ku @
LVªsl esustesaV @Vkbe eSustesaVA
3 lewg ppkZ ,oa izLrqrhdj.k fo"k; & cSadj xzkgd laca/k lq/kkjus
gsrq dk;Z;kstuk ,oa izLrqrhdj.k
4 l= lekiu ,fDtV VsLV ,oa ewY;kadu l=
lekiu A
- 47 -
18- ftyk lgdkjh dsUnzh; cSadksa ds lapkydksa gsrq l{kerk fodkl izizf'k{k.k dk;ZØe
ftyk lgdkjh dsUnzh; cSadksa ds lapkydksa dks laLFkkvksa dks lqn`<+ cukus gsrq l{kerk fodkl djkuk A
dk;Zdze m)s'; %
ldsaxs %&
 cnyrs vkfFkZd ifjn`'; es xzkeh.k Lrj ij isDl dh Hkwfedk dk Kku djkuk A
 lfefr ds O;olkf;d dk;Zdzeksa ds lapkyu dk Kku djkuk A
 iSDl lapkydksa dh Hkwfedk ,oa mRrjnkf;Rokas dk Kku djkuk A
 lgdkjh vf/kfu;e ds izeq[k izko/kkuksa dk Kku djkuk A

 cnyrs vkfFkZd ifjn`'; esa xzkeh.k Lrj ij iSDl dh Hkwfedk
 O;olk; fodkl dk;Z;kstuk
 vYidkyhu d`f"k lk[k iz.kkyh dk lapkyu
 vekur o`f)
 O;olk; fofof/kdj.k ,oa izeq[k vlk[k xfrfof/k;ka
 vPNs dk;Z lapkyu gsrq usr`Ro fodkl
 lapkydksa dh Hkwfedk ,oa nkf;Ro D;k djsa ,oa D;k u djsa A
 lgdkjh dkuwu ds izeq[k izko/kku] fu;e ,oa mifu;e
 olwyh ,oa ,uih, izca/ku A
izf'k{k.kkFkhZ %
;g dk;ZØe iSDl ds lapkydx.k gsrq fu/kkZfjr gS A
dkykof/k %
- 48 -
18- ftyk lgdkjh dsUnzh; cSadksa ds lapkydksa gsrq l{kerk fodkl izf'k{k.k dk;ZØe

voxr djkuk
2 vYidkyhu lk[k lajpuk ,oa ns'k dh laLFkkxr lk[k iz.kkyh esa
iSDl dh Hkwfedk ;Fkk ch&isDl iSDl dh Hkwfedk lgdkjh
vf/kfu;e ds izeq[k izko/kku
3 O;lk; fodkl ;kstuk ,oa leLr O;olk; fodkl ;kstuk rS;kj
'kh"kZ laLFkkvks ds iksVZyl~ djus dh izfdz;k ,oa laxBu pdz
4 iquq)kZj iSdst izkFkfed lfefr;ksa ds vYidkyhu
d`f"k lk[k iz.kkyh dk iquq)kZj
dk;Zdze bldk egRo ,oa
fdz;kUo;u CAS/MIS
f}rh; 1 lalk/ku o`f) lalk/ku o`f) iSDl ds fy,
fnol vekur o`f) D;ks
2 olwyh izca/ku O;kikfjd lk[k fodkl] olwyh ,oa
,u-ih-,-izca/ku
3 O;olk; fofof/kdj.k iSDl ds fy, O;olk; fofof/kdj.k
]izeq[k vlk[k xfrfof/k;k
¼,uMhvkj½] Mh,evkj ,oa dslhlh
:is dkMZ A laLFkkvksa dks
vRefuHkZj ;kstuk cgqmn~
n~ns’kh;
vk;kstu ij ppkZ
4 lq'kklu iz.kkyh iSDl ds fy, vPNs dk;Z lapkyu
gsrq mik; ,oa fl)kar usr`Ro
fodkl
r`rh; 1 lapkydksa dh Hkwfedk ,oa nkf;Ro iSDl lapkydksa dh Hkwfedk ,oa
fnol mRrjnkf;Ro] D;k djsa ,oa D;k
ugh djsa
2 ykHk vk;kstu iSDl ds y{;ksa dh izkfIr gsrq
miyC/k lalk/kuksa dk mi;ksx ,oa
ldkjkRed izxfr gsrq mik; ykHk
vk;kstu
3 lewg ppkZ ,oa izLrqrhdj.k lewg ppkZ & iSSDl ds lapkyu
,oa ykHk esa ykus gsrq dk;Z fcUnq
4 l= lekiu dk;ZØe laca/kh QhMcsd izkIr
djuk
- 49 -
19-
19- izkFkfed lfefr;ks
lfefr;ks ds deZpkfj;kasa ¼izca/kd ,oa lgk;d izca/kd ½ gsrq le:i ys[kk iz.kkyh
,oa izca/kdh; lwpuk i)fr+
i)fr+ laca/kh izf'k{k.k dk;Zdze
izkFkfed lfefr;ks ds vads{kdksa] i;Zos{kdksa ,oa fujh{kdksa dks le:i ys[kk iz.kkyh ,oa
izca/kdh; lwpuk i)fr laca/kh izko/kkuksa ,oa ys[kkvksa dk O;ogkfjd vH;kl djkuk A
dk;Zdze m)s'; %
ldsaxs %&
 izkFkfed lfefr;ksa esa le:i ys[kkiz.kkyh dks viukus dh vko';drk ,oa mlds egRo dks
le>kuk A
 le:i ys[kk iz.kkyh ds egRoiw.kZ fcUnqvksa dh O;k[;k djuk A
 le:i ys[kk iz.kkyh varxZRk egRoiw.kZ ys[kkiqfLrdk,W] iaft;kW ,oa ys[kk cfg;kWa rFkk muds
varZlaca/k dks le>kuk ,oa lwph cukuk A
 lfefr ds vafre ys[kk i=dksa dks rS;kj djus esa tujy ystj dh fofHkUu enksa ds egRo dks
le>kuk A
 le:i ys[kk iz.kkyh varxZr Ogkmpj ds ys[kkadu ds egRo dks bl vk'k; ls le>kuk fd bldk
izHkko vafre ys[ks rS;kj djus rd gksrk gS A
 le:i ys[kk iz.kkyh varxZr ys[kk iqLrdksa dks izk:i lfgr fn[kkuk ,oa le>kuk A
 izca/kdh; lwpuk iz.kkyh varxZr fofHkUu izdkj dh tkudkjh laca/kh i=dksa dks mnkgj.k lfgr
vH;kl djkuk ,oa budk le:i ys[kk iz.kkyh esa D;k egRo gS bldks le>kuk A

 le:i ys[kk iz.kkyh ds izk:iksa ds vk/kkj ij blds egRo ,oa vko';drk dks le>kuk ,oa
ys[kk iz.kkyh dks bl izdkj la/kkfjr fd;k tkuk gS mldks mnkgj.k lfgr o.kZu djuk A
 le:i ys[kk iz.kkyh varxZr dSkSu dkSu l sys[kk i=d iaft;kW ,oa ys[kk cfg;kW lfefr;ksa esa
j[kuk vfuok;Z gS mldh fyLV rs;kj djkuk ,oa bu nLrkostks dks fdl izdkj la/kkfjr
fd;k tkos bldk o.kZu djuk A
 ys[kk i)fr ds fl)akrksa dh O;k[;k djuk A
 izkFkfed lfefr;ks ds dkedkt ds fy, vko';d izk:iksa dksa mnkgj.k lfgr le>kkuk ,oa
budk izca/kdh; lwpuk iz.kkyh ess D;k egRo gS bldh O;k[;k djuk
izf'k{k.kkFkhZ %
;g dk;ZØe izkFkfed lfefr;ks ds vads{kdksa] i;Zos{kdksa ,oa fujh{kdksa gsrq fu/kkZfjr gS A
dkykof/k %
- 50 -
19-
19- izkFkfed lfefr;ks ds deZpkfj;ka
kfj;kasa ¼izca/kd@lgk;d
kd@lgk;d izca/kd ½gs
½gsrq le:i ys[kk iz.kkyh
,oa izca/kdh; lwpuk i)fr laca/kh izf'k{k.k dk;Zdze
izFke 1- iath;u ,oa mn~?kkVu izfrHkkfx;ksa ds ifjp; ds ek/;e ls
fnol le:e ys[kk iz.kkyh dk ifjp; muds vuqHko dks le>uk ,oa le:i
ys[kk iz.kkyh dh vo/kkj.kk ls voxr
djkuk A
,UVªhysoy VsLV ysuk A
2 le:i ys[kk iz.kkyh varxZRk le:i ys[kk iz.kkyh ds izk:iksa dh
ys[kkvksa dh ensa ,oa dk;Z dk O;k[;k djuk] ys[kk laca/kh enksa dks
izokg le>kkuk A
3 le:i ys[kk iz.kkyh varxZr le:i ys[kk iz.kkyh varxZr vko';d
ys[kk iqfLrdk,Wa ,oa iaft;kW ys[kk iqfLrdk,W]a iaft;ksa dks lwphc)
djuk ,oa fy[kus dh i)fr dks
le>kuk
4 ys[kk iqfLrdkvksa dk la/kkj.k le:i ys[kk iz.kkyh varxZr ys[kk
iqfLrdkvksa dks la/kkj.k djus ds mik;ksa
dh ppkZ djuk ,oa blds egRo dks
le>kuk A Mh,evkj ,oa dslhlh :is
dkMZ ij ppkZ A
f}rh; 1&2 foRrh; i=d rS;kj djuk le:i ys[kk iz.kkyh varxZr foRrh;
fnol i=d ,oa vafre ys[kk rS;kj djus dh
i)fr dks le>kuk ,oa vH;kl izdj.k
ds ek/;e ls foRrh; i=d rS;kj djkuk
3 iwoZ izpfyr foRrh; i=dksa dks iwoZ esa izpfyr foRrh; i=dksa dh
le:i ys[kk iz.kkyh varxZr tkudkfj;ksa dks uohu i=dksa esa fdl
ifjofrZr djuk izdkj ifjofrZr fd;k tkos blds mik;ks
dh ppkZ djuk ,oa mnkgj.k lfgr
le>kuk A
4 le:i ys[kk iz.kkyh varxZr izca/kdh; lwpuk iz.kkyh ds egRo ,oa
izca/kdh; lwpuk dk ifjp; ,oa vko';drk dh O;k[;k djuk rFkk
dk;Zdze dk izHkko vkadyu le:i ys[kk iz.kkyh esa bldh
mi;ksfxrk ds laca/k esa le>kuk A
r`rh; 1 lEifRr;ksa dk oxhZdj.k lEifRr;ksa dk oxhZdj.k ,oa
fnol izko/kkfudj.k vuqlwph rS;kj izko/kkuhdj.k ds izko/kkuksa dh O;k[;k
djkuk A lhvkj ,vkj x.kukA djuk ,oa vH;kl izdj.k ds ek/;e ls
lwph rS;kj djkuk A
2&3 vkarfjd fu;a=.k gsrq vuqikrksa vuqikr fo'ys"k.k ds egRo dks le>kuk
dks le>uk ,oa vuqikr ,oa vH;kl izdj.k ds ek/;e ls vuqikr
fo'ys"k.k fo'ys"k.k djkuk
4 cSaysal 'khV ,oa uxnh izokg cSysal'khV ,oa uxnh izokg i=dska ds
i=dksa dh laf{kIr lajpuk A egRo dks le>kkuk ,oa rS;kj djkuk A
lewg ppkZ] izLrqrhdj.k ,oa l= lewg ppkZ izLrqrhdj.k] ewY;kadu ,oa
lekiu ,fDtV ysoy VsLV ysuk A l= lekiu
- 51 -
izkFkfed lfefr;ksa ds deZpkfj;ksa gsrq dEI;wVj izf'k{k.k dk;Zdze
20
(Computer Training Program for the PACS Officials )
Objective of Program_ - The participants would be able to
1- narrate basic functions of computer

2- using of MS word
3- prepare worksheets using excel for daily use
4- explain basic features of CBS and banking software
5- using internet effetively
6- Explain about the cyber crime in Bank
7- Explain CAS of PACS
Coverage : Windows, MS office , Internet and CAS of PACS

Target group : PACS Officials
Duration : 6 days program
Day-1
Session wise objective
1 Session Start introcduction of participant & regrestration . Information about
the program & Benefit of program & PACS Computerization
Entry level Test and Share the Experience .
2 Introduction with Mainatenace of hardware and connection. Mouse & Key board
computer work (deep introduction of function keys & other keys and mouse
working and Hand on Experience Exposure to, Key board
,Scanner, Mouse, light Pen, Printer, Monitor etc. Proper
knowledge of input & output devices for easy working Exposure
to Mother board, Ram, storage device , pen drive & CD Rom
Lager printer & Dot matrix, pass book printer Common Problem
for the easy work installing of Driver & other troubles shooting
3 ----- do ----- How to store data in devices & retrieve the data for use
Mouse & Key board work .Deep introduction of function keys &
other keys and mouse working and hands on practice
4 Networking & LAN MAN WAN & Back up procedure with first introduction
storage with computer ( Theory cum Practical )
Day -2
1 General information Operating system : GUI Windows, Linux & NON GUI DOS,
about the OS Unix
2 Widows 9x Process with start & shut down ,Folder Create, short cut, creation
search, working with fonts (in control panel) ,back up Processer
Proper management of the folder for easy & organized work ,
How to search the Data in Computer
3 Widows 9x Hands on practice

4 Widows 9x Hands on practice
Day -3
- 52 -
1 Introduction to word Menu :- File Menu
Page setup, save, file correction
Knowledge about the file menu for file related operation
2 Word Menu:- Edit

Cut, copy, Paste, With find
Other menus
Operation on the edit menu for attractive letter writing
3 Word Hands on practice
4 E- coop. portal E- coop. portal, utility portal (Apex Bank), E-uparjan, KCC (ISS)
portal
Day -4
1 Excel File menu, introduction to the other spreadsheet with lotus &
excel cell, sheet, row Format, Chart
2 Excel Formulas
Arithmetic operation, Complex Calculation
Sheet Reference
3 Internet Mail Received E-Mail address, download. (Computer)

Introduction About networking
Networking & internet knowledge for the easy work in bank
4 PACS computarisation PACS computarisation (NABARD)
Day -5
1 Accounting for PACS Common accounting system
2 Accounting Account opening , Voucher posting ,cash book , ledger , BS, Trial
balance , P&L Etc.
3 Accounting Interest calculation & posting Etc.
4 Accounting Preparation of final accounts.
Day -6
1 Mode of cashless Mode of cashless Banking, Digital Banking (New Concept)
Banking
2 cyber security Intruduction of cyber law and security meesures
3 Problem solving Problem solving with participants

4 Session Exit level Test, Evaluation & valediction
- 53 -
21- izkFkfed d`f"k lgdkjh lk[k laLFkkvksa ds lapkydksa gsrq l{kerk fodkl izf'k{k.k
dk;ZØe
izkFkfed d`f"k lgdkjh laLFkkvksa ds lapkydksa dks laLFkkvksa dks lqn`<+ cukus gsrq
l{kerk fodkl djkuk A
dk;Zdze m)s'; %
ldsaxs %&
 cnyrs vkfFkZd ifjn`'; es xzkeh.k Lrj ij isDl dh Hkwfedk dk Kku djkuk A
 lfefr ds O;olkf;d dk;Zdzeksa ds lapkyu dk Kku djkuk A
 iSDl lapkydksa dh Hkwfedk ,oa mRrjnkf;Rokas dk Kku djkuk A
 lgdkjh vf/kfu;e ds izeq[k izko/kkuksa dk Kku djkuk A

 cnyrs vkfFkZd ifjn`'; esa xzkeh.k Lrj ij iSDl dh Hkwfedk
 O;olk; fodkl dk;Z;kstuk
 vYidkyhu d`f"k lk[k iz.kkyh dk lapkyu
 vekur o`f)
 O;olk; fofof/kdj.k ,oa izeq[k vlk[k xfrfof/k;ka
 vPNs dk;Z lapkyu gsrq usr`Ro fodkl
 lapkydksa dh Hkwfedk ,oa nkf;Ro D;k djsa ,oa D;k u djsa A
 lgdkjh dkuwu ds izeq[k izko/kku] fu;e ,oa mifu;e
 olwyh ,oa ,uih, izca/ku A
izf'k{k.kkFkhZ %
;g dk;ZØe iSDl ds lapkydx.k gsrq fu/kkZfjr gS A
dkykof/k %
- 54 -
21- izkFkfed d`f"k lgdkjh lk[k laLFkkvksa ds lapkydksa gsrq l{kerk fodkl izf'k{k.k
dk;ZØe
voxr djkuk
2 vYidkyhu lk[k lajpuk ,oa ns'k dh laLFkkxr lk[k iz.kkyh esa
iSDl dh Hkwfedk iSDl dh Hkwfedk lgdkjh
vf/kfu;e ds izeq[k izko/kku
3 O;lk; fodkl ;kstuk O;olk; fodkl ;kstuk rS;kj
djus dh izfdz;k ,oa laxBu pdz
4 iquq)kZj iSdst izkFkfed lfefr;ksa ds vYidkyhu
d`f"k lk[k iz.kkyh dk iquq)kZj
dk;Zdze bldk egRo ,oa
fdz;kUo;u CAS/MIS
f}rh; 1 lalk/ku o`f) lalk/ku o`f) iSDl ds fy,
fnol vekur o`f) D;ks
2 olwyh izca/ku O;kikfjd lk[k fodkl ] olwyh
,oa ,u-ih-,-izca/ku
3 O;olk; fofof/kdj.k iSDl ds fy, O;olk; fofof/kdj.k
] izeq[k vlk[k xfrfof/k;k]
Mh,evkj ,oa dslhlh :is dkMZ A
laLFkkvksa dks vRefuHkZj ;kstuk
cgqmn~ns’kh; vk;kstu ij ppkZ
4 lq'kklu iz.kkyh iSDl ds fy, vPNs dk;Z lapkyu
gsrq mik; ,oa fl)kar usr`Ro
fodkl
r`rh; 1 lapkydksa dh Hkwfedk ,oa nkf;Ro iSDl lapkydksa dh Hkwfedk ,oa
fnol mRrjnkf;Ro] D;k djsa ,oa D;k
ugh djsa
2 ykHk vk;kstuk iSDl ds y{;ksa dh izkfIr gsrq
miyC/k lalk/kuksa dk mi;ksx ,oa
ldkjkRed izxfr gsrq mik; ykHk
vk;kstu
3 lewg ppkZ ,oa izLrqrhdj.k lewg ppkZ & iSSDl ds lapkyu
,oa ykHk esa ykus gsrq dk;Z fcUnq
4 l= lekiu dk;ZØe laca/kh QhMcsd izkIr
djuk
- 55 -
22-
22- isDl gsrq lfefr ds lexz lapkyu gsrq ekLVlZ VªsulZ Vªsfuax dk;Zdze
;g dk;Zdze ftyk cSad varxZr lfefr;ksa esa p;fur lfefr izca/kd vkWijsVjksa ds fy, ftyk cSad
@lfefr ds ofj"B vf/kdkfj;ksa gsrq fu/kkZfjr fd;k x;k gS] ftlls fd ekLVlZ VªsulZ vko';drkuqlkj
os vius cSadksa esa izf'k{k.k iznku dj ldsA
dk;Zdze m)s'; %
 izf'k{k.k lfefr;ksa ds eq[; fo"k; ;Fkk ch&isDl] dks&vkWijsfVo ,DV dk Kku djkuk]
 izf'k{kdksa dks iwath i;kZIrrk ,oa ,uMhvkj dk Kku djkuk lkFk gh ykHk vk;kstuk dh ppkZ
djukA
 izf'k{kdksa dks u;s lanHkksZ esa O;olk; fodkl ;kstuk ¼chMhih½ dk Kku djkukA
 foosdiw.kZ ekun.M] ,uih, izca/ku] oS/kkfud olwyh ,oa cpr dkmaVj dk Kku djkukA
 lfefr;ksa esa d`f"k&vd`f"k _.k dh laHkkouk dk Kku djkukA

 ch&isDl
 dks&vkWijsfVo ,DV
 cpr dkmaVj cSadj xzkgd laca/k
 ds-ok;-lh ,oa fofHkUu djk/kkuksa dh tkudkjh nsuk
 O;k[;ku rS;kj djuk ,oa izLrqrhdj.k A
izf'k{k.kkFkhZ %
;g dk;ZØe lfefr ds vf/kdkfj;ksa@deZpkfj;ksa gsrq fu/kkZfjr gS A
dkykof/k %
- 56 -
22-- isDl gsrq lfefr ds lexz lapkyu gsrq ekLVlZ VªsulZ Vªsfuax dk;Zdze
22

izFke 1- iath;u ,oa mn~?kkVu iath;u ,oa 'kqHkkjaHk
fnol
2 Lkfefr;ksa dk cnyrk ifjn`’;% Lkfefr dk cnyrk ifjn`';
ch&isDl
3 Lkfefr;ksa ij ykxw gksus okys lgdkjh cSadksa ls lacaf/kr fofHkUu
fofHkUu dkuwu dkuwu dks&vkWijsfVo ,DV A
4 Ckpr dkmaVj@cSadj xzkgd laca/k Ckpr dkmaVj ls lacaf/kr
fn’k&funsZ’k] cSadj xzkgd ,oa vius
xzkgd dks igpkus uhfr ¼ds-ok;-lh
uhfr½ (Mode of Payment)
ds'kysl O;ogkj ds ykHkA
f}rh; 1 dsl ,Dljlkbt lh vkj , vkj dh x.kuk ,oa
fnol lfefr esa izHkkoA
2 foosdiw.kZ ekun.M foosdiw.kZ ekun.M] dh x.kuk ,oa
cSadksa ds fy, mldk egRo A
3 ,u-ih-,- izc/aku ,u-ih-, ,oa mldk izca/ku A
oS/kkfud olwyh A
4 oS/kkfud olwyh Lkfefr;ksa esa /kkjk 84 iksVZy esa okn
nk;j djus dh fLFkfr ,oa
nLrkosthdj.kA
r`rh; 1 ds-ok;-lh uhfr ,oa lkbcj lqj{kk ds-ok;-lh- uhfr ,oa mlds izko/kku
fnol 2 djk/kku dk Kku lfefr gsrq vk;dj] lfoZl VsDl
,oa izksQs'kuy VSDl ds izeq[k
izko/kkuA
3 d`f"k _.k dsl ,Dljlkbt 'kwU; izfr’kr C;kt nj ;wfVfyVh
¼,uMhvkj½] fdlku dzsfMV dkMZ] ,oa miktZu iksVZyA
:is dkMZA
4 cSadksa ds vekur ,oa _.k mRikn cSad ds fo'ks"k vekurnkj ,oa
,oa izca/kdh; lwpuk iz.kkyhA _.kksa ds fofHkUu mRikn ,oa vU;
cSadksa ls rqyukA
1 dkWeu vdkmafVaXk flLVe izk:i] vuqikr fo’ys"k.k
prqFkZ 2 fujh{k.k ,oa vads{k.k fujh{k.k ,oa vads{k.k dk egRo]
fnol oxhZdj.k ,oa vuqikyukA
3 isDl dEI;wVjkbZts’ku isDl dEI;wVjkbZts’ku ds varxZr

lkWQ~Vos;j dh egRoiw.kZ ckrsaA
4 chek ;kstuk,W ,oa vU; lfefr }kjk lapkfyr fofHkUu chek
‘'kkldh; ;kstuk,a ;kstuk,W ,oa d`"dksa gsrq lfefr ds
ek/;e ls lapkfyr 'kklu dh
- 57 -
;kstuk,W A
iape 1 ykHk vk;kstuk ykHk vk;kstuk ,oa ykHk dk egRo
fnol 2 izf'k{k.k dkS'ky (Training Skills) izf'k{k.k dh vko';drk ,oa
izf'k{k.k dkS'ky
3 varZO;fDrd laca/k @ Vhe varZO;fDrd laca/k@Vhe fcfYMax@
fcfYMax @ usr`Ro fodkl @osY;w usr`Ro fodkl@osY;w ,.M ,fFkDl
,.M ,fFkDl bu flLVe bu flLVe
4 O;k[;ku rS;kj djuk ¼xzqi izf'k{k.kkfFkZ;ksa }kjk fofHkUu fo"k;ksa
fMl~dlu½ ij O;k[;ku rS;kj djukA
"k"Be 1 vd`f"k _.k ,oa _.kksa dk vd~f"k _.kksa ds egRo dks
fnol fofo/khdj.k le>kukA
2 O;k[;ku izLrqrhdj.k izf'k{k.kkfFkZ;ksa }kjk rS;kj O;k[;ku
dk izLrqrhdj.kA
3 lewg ppkZ izLrqrhdj.k lewg ppkZ & O;k[;ku rS;kj djus
,oa izLrqrhdj.k esa /;ku j[kus
;ksX; fcanq
4 ewY;kadu l= lekiu ewY;kadu l= lekiu
- 58 -
Standarization of Training Programme - ABTC - Bhopal_ Madhya pradesh
Inbox
cpec bird <cpec.bird@nabard.org> Nov 1, 2022,

:03 PM
to me
The Principal
Apex Bank Training College (ABTC)
Kotra Sultanabad,
Bhopal (M.P)
Sir,
Standardization of Training Programmes – Apex Bank Training College (ABTC), Bhopal
Please refer to your letter no. abtc/2020 dated 23.09.2022 and email dt.20.10.2022 on the captioned
subject. In this connection, we would like to inform you that 6 programmes submitted by you for
standardization have already been standardized by CPEC, BIRD which are available on our website, list of
which is given below:
Sr.no Name of Programme Duration Target Status

Group
1 Management Development Programmes 3 days Officers of Available on
Bank Website
2 Banking law and Practices and Legal aspects 3 days Officers of Available on
in loan proposed Bank Website
3 Internal Checks and Control 3 days Officers of Available on
Bank Website
4 Developing PACS into Multi-Purpose 3 days PACS Available on
Societies Functionaries Website
5* Programme on Business Development, 3 days PACS Enclosed
Profit Planning and Diversification Managers
6 Programme on Office Management 3 days Officers of Available on
Bank Website
7 Know Your Customer, Prevention of Money 3 days Officers of Available on
laundering and Customer Protection Bank Website
We have standardized programme at Sr. no.5 which is “Programme on Business Development,

Profit Planning and Diversification –For PACS Managers”. The slight modifications have been
made in programme design and the revised day-to-day schedule is enclosed with the letter.
We request you to kindly modify the course material as per the changes suggested in programme sr.no.5
and also advise you to access other programmes sr.no. (1, 2,3,4,6 &7) from our website by downloading
from following path:
https://bird-cpec.nabard.org/>>standarization>>standarizedprogrammes>>approved
programmes.
Thanks and regards

(Nidhi Tiwari)
Cooperative Development Officer
- 59 -
List of 07 New Programmes
1 Management Development Programme
2 Banking Law and Practice and Legal aspects in loan

proposed
3 Internal Checks and control
4 Developing PACS into Multi purpose Societies
5 PROGRAMME ON BUSINESS DEVELOPMENT

PROFIT PLANNING AND DIVERSIFICATION
( Prog for PACS Managers )
6 Programme on Office Management
7 Know your customer, Prevention of Money

Laundering and customer protection
- 60 -
23. Management Development Programme
Duration 3 Days
Participants Officers of Bank
Objectives • Role and challenges before the cooperative banks
in the changing scenario
• Skills of effective inter personal communication
• Key skills and qualities of a leader
• List out the important elements of Total Quality
Mangement (TQM) in Banks
Contents • Cooperative Banks in Changing Scenario
• Analyse the SWOT of the Institution
• Effective Communication : Interpersonal
Communication
• Leadership
• Concept of emotional Intelligence
• TQM
Day to Day schedule

I 1 Registration and Inogration
2 Cooperative Banks in Changing scenario
3 Role of HRM in Cooperative Banks & SWOT analysis
4 Coordination
II 1 Effective Communication Inter personal
Communication skills
2 Leadership & Team building
3 Personality Development
4 Proffesional Ethics
III 1 Emotional intelligence and Management
2 Dession making
3 Totl Quality Management (TQM) and steps & process
of TQM in Banks
4 Group discussion – Human behavior in management
Velidiction
- 61 -
24- Banking Law and Practice and Legal aspects in loan
proposed
Duration 3 Days
Objectives • Define the nature of a Cooperative Organisation
and its need while adapting to technological
changes
• Explain the Salient aspects of laws governing
cooperative banks
• Define the various negotiable instruments, types
of crossings, payment in due course, duties of
collecting bankers, and liability of paying
bankers
• Describe the Documentation aspect
• Describe various modes of charging securities
•
Contents • Legal framework governing cooperative banks
• Relationship between Banker and Customer
• Negotiable Instruments
• Documentation of loan proposals
• Creation of charge on securities
Day to Day schedule

I 1 Registraion and Inaugration
2 Introduction to cooperative and the salient features of
the cooperatiove societies Act
3 B R Act (AACS)
4 Main provision of evidence and contract act
II 1 Banker & Customer
2 Negotiable Instruments
3 Documentation
4 SARFACI Act
III 1 Creating charge on securities
2 Group discussion – Importance and attention in
documentation
3 Group discussion presentation by participants
4 Evaluation and valediction
- 62 -
25- Internal Checks and control
Duration 3 Days
Objectives Describe the significance,
elements and tools of Internal
Control System
Explain types of Operational
Risk and its management
State Credit Risk and its
management tools.
List out the Internal Control
Measures for
Investments by banks
List out various types of
inspection and audit
Explain the measures to
prevent frauds
Describe vigilance function in
the bank and preventive
vigilance measures
Describe significance of
Internal Control & risk based
audit
List out operational manuals
Describe KYC, AML norms
and reporting system
List out the areas prone for
frauds, embezzlements,
misappropriation of funds and
measures for their prevention
Explain critical areas of
branch audit and inspection
and norms for rating of
branches
Contents Basics & Significance of
Internal Control System
Operational Risk and its
management (ORM)
Credit risk and its
- 63 -
management
Internal Control Measures for
Investments
KYC and PML Act.
Frauds in Banks
Inspection & audit of branches
and MIS
Training
Day to Day schedule

1 1 Registraion and Inogrration
2 Basics & Significance of Internal Control
System
3 Guide line on ALM
4 Operational Risk and its management (ORM)
I&
2 1 Credit risk and its management
2 Legal Aspects of Documentation
3 Internal Control Measures for Investments

and KYC and PML Act.
4 Frauds in Banks
3 1 II Inspection & audit of branches
2 MIS statement –OSC AND FMS

3 Group discussion – Importance OF Internal
control system and action points
Evaluation and valediction
- 64 -
26- Developing PACS into Multi purpose Societies
Duration 3 Days
Participants PACS Functionaries
Objectives Explain the need and importance of
Businessdiversification for PACS.
Assess the business potentials and determine
thescope for business diversification so as to
convert
PACS into Multipurpose Societies.
Develop a model for Multipurpose PACS for
survival and sustainability.
Identify various types of feasible business
opportunities that can be undertaken by the
PACS for its member
Contents Role of PACS in the changing business

Environment
Business diversification
SWOT Analysis for converting PACS into
Multipurpose Societies
Non-Credit and Non-Fund Business
opportunities, etc
- 65 -
Day to Day schedule

I 1 Registraion and Inogrration
2 Role of PACS in the changing business
Environment; various attributes of Multi-
purpose coop society
3 Need and importance of Business
diversification for PACS and SWOT Analysis
for converting PACS into Multipurpose
Societies
4 I Business Diversification – Products and
Services
And Atamnirbhar Bharat, Agri clinic and
Agri business
1 Business Diversification – Delivery
II Mechanism
2 Non-Credit and Non-Fund Business

opportunities
3 Converting PACS as a Multipurpose Societies

– Case Analysis
4 Plan of Converting PACS as a Multipurpose

Societies ( PACS visit )
III 1 Accounting system
2 Group discussion – Convering PACS as multi
purpose societies plan
4 Evaluation and valediction
- 66 -
27. PROGRAMME ON BUSINESS DEVELOPMENT
PROFIT PLANNING AND DIVERSIFICATION
( Prog for PACS Managers )

I 1 Changing Banking Scenario–SWOT Analysis
2 Interest margin and non-interest expenses-

Mismatch - Cost of Management - Increase in
business/Interest income
3 Branch as profit center – Transfer Price

Mechanism BEL calculation of business
Ratios
4 KCC – E-KCC based on RuPay Cards –

Shadow Accounts or similar mechanism to
issue E-KCC to the member farmers of PACS
DCCBs – Issue of Electronic GCC / SCC-
Benefits to PACS and DCCBs
II 1 Cultivation of commercial crops-medicinal

plants
2 Innovative and need based Loan products –

Retail Loans
3 Financial Inclusion – SHGs / JLGs / Farmers

Clubs/PMFME/AIF/NRLM
4 Mordenaizetion of Banking services and

products
III 1 Non fund business bank guarantees-

improving non-interest income -
Remittance/insurance products and cross
selling
2 Rural Godowns its management and subsidies

- 67 -
3 Impact of NPA on profitability - Preventive
measures in NPA management – Formal and
informal measures in recovery
4 Customer relationship Management -

customer need analysis – Utilising PACS
- 68 -
28. Programme on Office Management
Duration 3 Days
Objectives • To under stand office behaviour , office

procedures
• Communication in office
Contents Cummunication noting drafting mantainace

of discipline filing system
Record management etc.
Day to Day schedule

Inauguration and Objectives expected out of the
Programme
1 • Modern Office and Office management

• Office management in the present scenario
of COVID-19
• Types of Office functions
• Principal of organisation and delegation of
authority
• Scientific management and information
management
1
2 • Types of written forms of communication and
issues thereof: e-mail, office memorandum,
letter, DO letter, Office order, press
communiqué and fax messages etc.
3 Dealing with Receipts, Noting and Drafting Skills

• Introduction
• Preliminary action on a receipt
• Disposal of PUC
• General instruction regarding Noting
- 69 -
• Types of Noting Detailed notes
• Initiation of noting
Concept of Drafting
Stages of preparing a draft
Flagging of drafts
Issue and action thereafter
Despatch number by section
Cabinet memorandum
4 Establishment Matters
Insight into Bank Service Rules
Medical Reimbursement Rules
Travelling/Dearness Allowance Rules
Brief description on calculation of Increments,
Pension and PF
1 Maintenance of Discipline
2 Compliance of orders and instructions of
superior
Sincerity during Business Hours
Minor and major misconducts
Avoiding misconduct and indecency
2 Filing system
Concept
Constituent of a file
Filing of papers
Arrangement of paper in case
Paging and reference
Linking of file
Use of referencing
Heads and Sub- Heads
Opening a new file
Movement of File
Removal of papers from File
3 Office equipments , computer hardware and soft
ware
4 Professional ethics, stress management, time
management and yoga
1 Records Management and Office Security
- 70 -
Concept
3 Classification of Records
Recording
Retention Period
Record room
Consigning of files
Requisition of records
Weeding of records
Safety and security measures to protect records
Measures against fire risk
2 Discussion, General queries and Feedback of the
Participants
3 Group discussion – Inhancement of capacity through
office management
Evaluation and valediction
- 71 -
29. Knowyour customer, Prevention of Money
Laundering and customer protection
Duration 3 Days
Objectives To undrstand PMLA its provisions and

KYC
Contents PMLA, KYC, FATF and Reporting system
under PMLA etc
Day to Day schedule

I 1 Registration and Inaugration
2 Emerging challenges in the banking sector and
expectation of customers
3 Banking Reports and cyber security/audit
4 Redressal of customers grievances
II 1 Main guideline of PMLA Act
2 Concept, need and importance KYC Norms
3 FATF and FATF recommendation of FIU
4 Reporting system under PMLA
III 1 Role of customer in reference KYC
2 KYC policy in Banks, cyber security and cyber
insurance
3 Group discussion – Importance of KYC in Bank
4 Evaluation and Velediction
- 72 -
- 73 -
fo"k; dz- 4 ¼ 5 ½
o"kZ 2023&24 gsrq izLrkfor dk;Z’kkyk,W &

1 izHkkoh miktZu ¼jch@[kjhQ½ ij dk;Zdze
2 d``f"k @vd`f"k _.kksa dh olwyh ij dk;Zdze
3 lhch,l esa xcu /kks[kk/kM+h dsl LVMh ,oa fuokj.k dkjd ¼ftyk cSad½
4 vd`f"k _.k forj.k ij dk;Z’kkyk ¼visDl cSad½
5 lgdkjh cSadksa esa ykxw VSDls’ku ¼leLr½ ij dk;Zdze ¼visDl@ftyk cSad½
6 VeZ&ysafMax ,oa ,yVhvkjlh,Q ij dk;Z’kkyk ¼visDl@ftyk cSad½
7 C;kt lgk;rk jkf’k ,oa Mh-

Mh-,e-
,e-vkj-
vkj- ij dk;Z’kkyk ¼ftyk cSad½
8 lkoZtfud forj.k iz.kkyh ,oa QfVZykbZtj ij dk;Z’kkyk ¼ftyk cSad½
9 vkfQl vflLVsaVl~ ¼deZpkfj;ksa½ gsrq dk;Z’kkyk A
- 74 -
- 75 -

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visDl cSad Vsªfuax dkW

flyscl desVh dh cSBd

fnukad % 20 Qjojh 2024

1- visDl cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq izf'k{k.k dk;ZØe

izf’k{k.k dk;Zdze ds dqy izdkj & 29 ¼2024 &2025½

izf'k{k.kkFkhZ & ;g dk;ZØe e-iz-jkT; lgdkjh cSad ds vf/kdkfj;ksa@deZpkfj;ksa gsrq fu/kkZfjr gS A

1- visDl cSad ds vf/kdkfj;ksa @deZpkfj;ksa gsrq vk;dj]

fnukad l= fo"k; l= dk m)s';

4 l= lekiu dk;ZØe laca/kh QhMcsd izkIr djuk] ,fDtV

rLi/kkZkkZ ds ifjis{; esa cSad

izf'k{k.k dk;ZØe dh lekfIr ij izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk@tkudkjh izkIr dj ldsaxs %&

dk;ZØe fo"k; oLrq %

;g dk;ZØe e- iz- jkT; lgdkjh cSad ds vf/kdkfj;ksa gsrq fu/kkZfjr gS A

izf'k{k.k dk;ZØe dh lekfIr ij izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk (skill) izkIr dj

dk;ZØe fo"k; oLrq %

fnukad l= fo"k; l= dk m)s';

4 l= lekiu dk;ZØe laca/kh QhMcsd izkIr djuk ,oa

dk;ZØe fo"k; oLrq %

fnukad l= fo"k; l= dk m)s';

Objectives To undrstand PMLA its provisions and

Day to Day schedule

izf'k{k.k dk;ZØe dh lekfIr ij izf'k{k.kkFkhZ fuEukuqlkj ;ksX;rk@tkudkjh izkIr dj

dk;ZØe fo"k; oLrq %

dk;ZØe fo"k; oLrq %

fnukad l= fo"k; l= dk m)s';

 cSadksa }kjk izkstsDV _.k ds ek/;e ls _.k forj.k dk Kku djkukA

dk;ZØe fo"k; oLrq %

fnukad l= fo"k; l= dk m)s';

dk;ZØe fo"k; oLrq %

l= ds m)s'; lfgr fnu izfrfnu dk dk;ZØe

2 lEizs"k.k dkS'ky@O;fDrRo lEizs"k.k i=kpkj ,oa dk;kZy;hu izca/k dk

dk;ZØe fo"k; oLrq %

fnukad l= fo"k; l= dk m)s';

3 fuos'k izca/ku ,l ,y vkj fofu;kstu bl laca/k

dk;ZØe fo"k; oLrq %

fnukad l= fo"k; l= dk m)s';

izf'k{k.kkFkhZ & ;g dk;ZØe ftyk lgdkjh cSad ds vf/kdkfj;ksa gsrq fu/kkZfjr gS A

dkykof/k & dk;ZØe dh vof/k 3 fnol gS A

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1- narrate basic functions of computer

Coverage : Windows, MS office , Internet and CAS of PACS

3 Widows 9x Hands on practice

2 Word Menu:- Edit

3 Internet Mail Received E-Mail address, download. (Computer)

4 PACS computarisation PACS computarisation (NABARD)

3 Problem solving Problem solving with participants

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3 isDl dEI;wVjkbZts’ku isDl dEI;wVjkbZts’ku ds varxZr

cpec bird <cpec.bird@nabard.org> Nov 1, 2022,

Standardization of Training Programmes – Apex Bank Training College (ABTC), Bhopal

Sr.no Name of Programme Duration Target Status