0782 Hindi Sagar AOF Form Non Individual

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1 AH$mCÝQ> ImobZo H$m $m J a-ì {³V BH$mB m Ho$ {be (H $n m $m H$mo ñnï> Ajam ^a. Bg $m H$mo erz Ûmam n T>m Am a EH$ ñh $Za Ho$ JwOmam OmEJm.) H $n m g^r Amdí H$ {ddaum H$mo ñnï> Ajam ^a. Ohm bmjy hmo H$m {ZemZ bjme. *A{Zdm {hñgo The term RBL Bank or the Bank shall mean The Ratnakar Bank Limited. /h EVX²Ûmam Ama ~r Eb ~ H$ {b. go AZwamoY H$aVm hÿ / H$aVo h {H$ AnZr emim oam/h mam AH$mCÝQ> Imob. BH$mB H$ñQ> a AmB S>r New ( m OyXm J«mhH$ Ho$ {be) *BH$mB H$m {ddau *Zm ñwmnzm H$s {V{W D D M M Y Y Y Y ñwmnzm H$m Xoe n Z/OrAmB Ama Z. $m 60/6 hm Zht D D M M Y Y Y Y AmdoXZ H$s {V{W If PAN not available *g mooz nmq> Za{en 2 àmbdoq> {b. 3 gånyu ñdm{ Ëdm{YH$mar 4 npãbh$ {b. 5 npãbh$ go³q>a 6 EM ye $ 7 Q >ñq> ³b~ gmogm Q>r Egmo{eEeZ ñq>oqw>q>ar ~m S>r EbEbnr AÝ (AJa "AÝ ' hmo Vmo ~ H$ H$s Ho$dmB gr nm {bgr Ho$ AZwgma ^a *B S>ñQ >r H$m àh$ma Ý w $³M[a J 2 H $ñq >³eZ 3 EZ~rE $gr 4 Zm Z-àm { $Q> Am J}ZmBOoeZ 5 mbh«$mo E Q>aàm OoµO 6 AÝ (AJa "AÝ ' hmo Vmo ~ H$ H$s Ho$dmB gr nm {bgr Ho$ AZwgma ^a. *dm{f H$ Q>Z Amoda 0-5 bmi bmi bmi 4 25 bmi - H$amo S> 5-5 H$amo S> H$amo S> H$amo S> 8 >00 H$amo S> (Avg. income for corp.) *nvo H$m {ddau àmw{ H$Vm àmßv S>mH$ nvm *nvm bmbz nvm bmbz 2 nvm bmbz 3 *amá *Xoe {nz H$moS> gånh $ {ddau Xoe H$moS> EgQ>rS>r H$moS> µ $moz Z. E³gQ> ez $³g Z. B - ob AmB S>r a{oñq>s> nvm *nvm bmbz nvm bmbz 2 nvm bmbz 3 S>mH$ nvo Ho$ g mz *amá *Xoe {nz H$moS> gånh $ {ddau Xoe H$moS> EgQ>rS>r H$moS> µ $moz Z. E³gQ> ez $³g Z. B - ob AmB S>r *nmq> Za/S>m ao³q>a/q >ñq>r/h$vm /A{YH $V hñvmjar Ho$ {ddau Zm nxzm H$ñQ> a AmB S>r Z. (AJa m OyXm J«mhH$ hm ) *eha *eha S>m ao³q> ~ qh$j M Zb AZwamoY EgE Eg ~ qh$j B Q>aZoQ> ~ qh$j µ $moz ~ qh$j S>o{~Q> H$mS> (H $n m H$m nm}aoq> B Q>aZoQ> ~ qh$j $m ^a ) ( o gw{dyme Ho$db CZ AH$mCÝQ²>g H$mo CnbãY h {OZH$m g MmbZ mü EH$b m "H$moB ^r AWdm CÎmaOrdr' h )

2 *Nature of Account(s) to be open goqd½g AH$mCÝQ> H$a Q> AH$mCÝQ> { $³ñS> {S>nm {OQ> âb ³gr { $³ñS> {S>nm {OQ> [ah$[a J {S>nm {OQ> *AMB/AQB ` *àmmbz H$m mü EH$b g w³v ~mos> g H$ënm Ho$ AZwgma (S>o{~Q> H$mS> Omar Zht {H$ m OmEJm) Ama {^H$ ^wjvmz H$m {ddau Ama {^H$ am{e ` ZH$X am{e MoH$ Z. {XZm H$ D D M M Y Y Y Y Amh[aV ~ H$, { $³ñS> {S>nm {OQ> {ddau am{e ` n go Ad{Y mh {XZ am{e eãxm ZH$X am{e MoH$ Z. {XZm H$ D D M M Y Y Y Y Amh[aV ~ H$, emim S>o{~Q> H$ao oao Ama ~r Eb ~ H$ AH$mCÝQ> ZmoQ> - AJa AH$mCÝQ> ImobZo H$s Ama {^H$ am{e ZH$X Xr OmVr h Vmo J«mhH$ emim ñd OmH$a A{YH $V agrx àmßv H$a H$moB ^r m CÎmaOrdr nhbm m CÎmaOrdr am{e eãxm D D M M Y Y Y Y AÝ ~ H$ {ddau /h KmofUm H$aVm hÿ /H$aVo h {H$ oao/h mao nmg {H$gr AÝ ~ H$ H$s H«o${S>Q> gw{dyme Zht h. ~ H$ H$m Zm am{e n go eãxm emim oao Ama ~r Eb ~ H$ AH$mCÝQ> ZmoQ> - AJa AH$mCÝQ> ImobZo H$s Ama {^H$ am{e ZH$X Xr OmVr h Vmo J«mhH$ emim ñd OmH$a A{YH $V agrx àmßv H$a. AÝ (H $n m ñnï> H$a ) H$mo S>o{~Q> H$ao MoH$ ~wh$ hm Zht S>o{~Q> H$mS> àw AmdoXH$ {ÛVr AmdoXH$ V Vr AmdoXH$ (E $S>r/AmaS>r Ho$ {be bmjy Zht) ã mo Ho$ ^wjvmz H$s ~ma ~mavm m{gh$ {V mhr N> mhr n[an³dvm na H $boýs>a df Jm R> 2 AJa H $boýs>a MwZm OmVm h, Vmo ã mo H$m ^wjvmz H $boýs>a {XZm Ho$ AZwgma {H$ m OmEJm. AJa df Jm R> MwZm OmVm h, Vmo ã mo H$m ^wjvmz O mam{e Ho$ df Jm R> Ho$ AZwgma {H$ m OmEJm. n[an³dvm g ~ Yr {ZX}e ybyz Am a ã mo H$m ZdrH$aU H$a ** 2 ybyz H$m ZdrH$aU Am a ã mo H$m ^wjvmz H$a ** 3 ZdrH$aU Z H$a ã mo/n[an³dvm am{e H$m ^wjvmz hm H$a AH$mCÝQ> Z ~a m S>mH$ nvo na S>rS>r/nrAmo ñdrn-bz {ZX}e "ñdrn-bz' goqd½g/h$a Q> AH$mCÝQ> H$mo gmd{y O m AH$mCÝQ> Ho$ gmw Omo S>Zo H$s gw{dym h. An m ßV ~ boýg hmozo na Ow S>o hþe gmd{y O m H$mo g -nyd "A {V g~go nhbo ~mha' AmYma na ("ñdrn BZ' {ZX}e H$s ñwmnzm Ho$ H«$ ) Vmo S>H$a Ano{jV am{e H$mo goqd½g/ H$a Q> AH$mCÝQ> Q >m ñ $a {H$ m OmEJm. h gw{dym V^r CnbãY h AJa H$moB ^r YmaH$ goqdj/h$a Q> AH$mCÝQ> VWm { $³ñS> {S>nm {OQ> AH$mCÝQ> XmoZm gm mý h. AJa goqdj/ H$a Q> AH$mCÝQ> na E $S>r Ho$ {déõ AmoS>r gw{dym CnbãY h, Vmo "ñdrn-bz' gw{dym CnbãY Zht hmojr. [ah$[a J {S>nm {OQ> g ~ Yr {ddau m{gh$ {H$ñV H$s am{e ` goqd½g/h$a Q> AH$mCÝQ> Z. AnZo goqd½g/h$a Q> AH$mCÝQ> Z. na D$na C{ëb{IV {S>nm {OQ> Ho$ {déõ, Eogr gw{dym hovw bmjy {Z m d ev] Ho$ AZwgma Amoda S >mâq> gw{dym bozm MmhVm hÿ. ZmoQ> AJa { $³ñS> {S>nm {OQ> H$s n[an³dvm go nhbo h CgHo$ ~mao Amngo H$moB {d{eï> {ZX}e àmßv Zht hmovm h Vmo h { $³ñS> {S>nm {OQ> H$m ZdrH$aU { $³ñS> {S>nm {OQ> H$s yb Ad{Y Ho$ {be, n[an³dvm Ho$ {XZ/O mam{e Ho$ ZdrH$aU Ho$ {XZ bmjy ã mo Xa na H$a X Jo. Am a AmnH$mo ZB {ddaur {^Odm X Jo. AJa AmnH$mo AnZr O mam{e Ho$ {be E $S>r agrx Omar H$s JB hmo VWm AmnZo ""ZdrH$aU Z H$a '' H$m n[an³dvm {ZX}e {X m hmo Vmo AmnH$mo emim E $S>r agrx H$mo ^ah$a O m H$amZm hmojm, {OgHo$ nímmv n[an³dvm am{e AmnH$mo Xr OmEJr/ AmnHo$ greege AH$mCÝQ> na O m H$s OmEJr. Ad{Y mh Ama ^ {V{W n[an³dvm g ~ Yr {ZX}e (ñdv ZdrH$aU g W Z Zht) n[an³dvm na O mam{e H$m ^wjvmz AH$mCÝQ> Z. H$mo Q >m ñ $a [ah$[a J {S>nm {OQ> Ho$ {be ñwm r {ZX}e /h Ama ~r Eb ~ H$ H$mo AJ«{b{IV m{gh$ {H$ñV S>o{~Q> H$aZo Ho$ {be A{YH $V H$aVm hÿ / H$aVo h ` oao AH$mCÝQ> Z. m S>mH$ nvo na S>rS>r/nrAmo AJa, H$moB ^r m CÎmaOrdr " m' nhbm m CÎmaOrdr oýs>oq> dmbo { $³ñS>/ [ah$[a J {S>nm {OQ²>g Ho$ O mh$vm Am go H$moB EH$ g w³v O mh$vm Xÿgao H$s Ë w H$s Xem Bg O mam{e H$s g -nyd {ZH$mgr MmhVm hmo, Vmo H $n m MwZ. * "hm ' Ho$ m bo, H $n m C³V à mooz hovw g^r O mh$vm Am go EH$ {d{eï> g w³v oýs>oq> àxmz H$a. ( $m }Q>/ H$m nr emim Ho$ nmg CnbãY) hm Zht go, /h KmofUm H$aVm hÿ /H$aVo h {H$ oao/h mao nmg Bg g AÝ ~ H$m H$s {ZåZ{b{IV ~ qh$j gw{dyme h. ~ H$ H$m Zm am{e AJa AmnZo AÝ ~ H$m go H$moB gw{dyme àmßv H$s hm Vmo H $n m CZHo$ Ûmam Omar "Amn{Îm Zht à munì' Omar H$a. Ver. :- CN

3 Only For Sole Propritorship Zm m H$Z /h C³V AH$mCÝQ> Ho$ {be Zm m H$Z H$aZm MmhVm hÿ / MmhVo h hm Zht (Ho$db EH$ ì {³VJV Zm m H$Z H$s AZw {V h ) $m DA : ^m. [a. ~ H$ Ho$ {Xem{ZX}em Ho$ AZwgma /h nw{ï> H$aVm hÿ /H$aVo h {H$ Ama ~r Eb ~ H$ Ho$ A{YH$mar Ûmam oao/h mao ~ H$ AH$mCÝQ> na Zm m H$Z gw{dym Ho$ $m Xm Ho$ ~mao wpo/ h g Pm m J m h. VWm{n, /h H$hZm MmhVm h /MmhVo h {H$ C³V $m Xm Ho$ ñnï>rh$au Ho$ ~mdoyx ^r h Cnamo³V d{u V ~ H$ AH$mCÝQ> Ho$ {be {H$gr ì {³V H$mo Zm{ V Zht H$aZm h. Amngo AZwamoY h {H$ H $n m oao/h mao AH$mCÝQ> ImobZo Ho$ $m na Zm m H$Z gw{dym Ho$ {~Zm H$ma dmb H$a. ~ H$ O mam Ho$ g ~ Y ~ qh$j H $nzr (Zm m H$Z) {Z 985 Ho$ {Z 2() VWm ~ qh$j {d{z A{Y{Z, 949 H$s Ymam 45 ZA Ho$ A VJ V Zm m H$Z. /h (Zm ) (nvm) {ZåZ{b{IV ì {³V H$mo Zm m {H$V H$aVo h, {OÝh oar/ h mar/ Ad ñh$ H$s Ë w H$s Xem Cnamo³V O m am{e aëzmh$a ~ H$ {b. Ûmam bm Q>m r OmE. Zm AJa àmb ar AmdoXH$ go {^ÝZ hmo nvm àmw{ H$ AmdoXH$ Ho$ g mz O mh$vm Ho$ gmw g ~ Y, AJa H$moB hmo C «AJa Zm m {H$V ì {³V Ad ñh$ hmo, Vmo CgH$s OÝ {V{W D D M M Y Y Y Y *My {H$ Bg {V{W H$mo Zm{ V ì p³v Ad ñh$ h, h (Zm ) H$mo {Z w³v H$aVm hÿ /Vo h Ad ñh$ Ho$ gmw g ~ Y* nvm àmw{ H$ AmdoXH$ Ho$ g mz AJa àmb ar AmdoXH$ go {^ÝZ hmo AJa àmw{ H$ AmdoXH$ go {^ÝZ hmo Omo {H$ Zm m {H$V Ho$ Ad ñh$ ahzo Ho$ Xm amz oar/ h mar/ Ad ñh$ H$s Ë w hmozo na O m am{e H$mo àmßv H$aoJm. Zm m H$Z {ddau H$s {ddaur/nmg~wh$ CëboI {H$ m OmE hm Zht O mh$vm (Am ) Ho$ hñvmja/ A JyR>o Ho$ {ZemZ gmjr Ho$ hñvmja Zm nvm {V{W Ho$db ~ H$ Ho$ BñVo mb Ho$ {be AnZo J«mhH$ H$mo Om{ZE (KYC) {ddau EM ye $ npãbh$ {b. àm. {b. gmogm Q>r Q >ñq> nmq> Za{en gånyu ñdm{. AÝ *H$mJOmV H$m àh$ma *H$mJOmV *H$mJOmV 2 *H$mJOmV 3 *H$mJOmV AmB S>r Z. Omar H$aZo H$m ñwmz Omar H$aZo H$s {V{W ñwmz ** gmjr Ho$ hñvmja g m{ßv H$s {V{W lr/gwlr go ì {³VJV ê$n go { bm hÿ. EVX²Ûmam nhmmz Am a nvo H$s nw{ï> H$aVm hÿ. $m oar m OyXJr ^am Am a hñvmja {H$ m J m h. Zo yb H$mJOmVm H$s Om M H$s h. nw[ï> H$aVm hÿ {H$ Zo BH$mB Ho$ g Mma nvo H$s Om M H$s h VWm nw{ï> H$aVm hÿ {H$ (BH$mB Ho$ A{YH $V hñvmjar H$m Zm ) go AH$mCÝQ> ImobZo Ho$ $m na {XE JE g Mma nvo na { bm Xÿ. ~ H$ Ho$ A{YH$mar H$m Zm ~ H$ A{YH$mar H$m hñvmja H$ Mmar AmB S>r Zm nvm g w³vymah$(h$mo) Ho$ hñvmja *AJa Zm m {H$V ì {³V Ad ñh$ Z hmo Vmo H$mQ> X. **AJa Ad ñh$ Ho$ Zm na O mam{e air OmVr hmo Vmo Zm m H$Z na Eogo ì {³V Ûmam hñvmja {H$E OmZo Mm{hE Omo Ad ñh$ H$s Amoa go H$X CR>mZo Ho$ {be A{YH $V hmo. **Ho$db A JyR>o Ho$ {ZemZ Ho$ m bo gmjr gë mnz Amdí H$ h. *~«m M H$moS> dm N>Zr H$ñQ> a AmB S>r 2 0 àr[ $³g goqd½g AH$mCÝQ> 3 0 H$a Q> AH$mCÝQ> 4 0 { $³ñS> {S>nm {OQ> 7 0 [ah$[a J {S>nm {OQ> 7 5 âb ³gr { $³ñS> {S>nm {OQ> Sy> Zm Z H$m b {Z m V/Am mv em{ b hm Zht ñh$s H$moS> *J«mhH$ H$m àh$ma àm./npãbh$ {b{ Q>oS> J a ì {³V Omo{I djuh$au H$ Ü CÀM àmo mo H$moS> *Ebgr H$moS> EbOr H$moS> gmo{gªj H$moS> brs> OoZaoQ>a *d ë y {V{W D D M M Y Y Y Y *àmb ar [aboez{en ZoOa AmB S>r amozr{vh$ ê$n go g{h«$ ì {³V amozr{vh$ ê$n go g{h«$ ì {³V Ho$ {ZH$Q> g ~ Yr *~regama àh$ma H$m Am J}ZmBOoeZ *{~OZog joì * $S²>g Bg AH$mCÝQ> na nm³s> * $S²>g Bg na nm³s> 3

4 Ho$db ~ H$ Ho$ BñVo mb Ho$ {be (Omar) *gmbmzm Q >m Oo³eÝg H$s AZw m{zv g» m AZw m{zv Q >m Oo³eZ am{e ( ` bmim ) *H $e O m - gmbmzm (` ) *H $e {ZH$mgr - gmbmzm ( ` ) *FCY BH$mB - gmbmzm (A arh$s S>m ba) *FCY AmCQ>dm S> - gmbmzm (A arh$s S>m ba) *S>mo opñq>h$ BÝdm S> *S>mo opñq>h$ AmCQ>dm S> < > bmi bmi bmi bmi 5 50 bmi - H$amo S> 6-5 H$amo S> H$amo S> 8 >0 H$amo S> 0-5 bmi bmi bmi bmi 5 50 bmi - H$amo S> 6-5 H$amo S> H$amo S> 8 >0 H$amo S> 0-5 bmi bmi bmi bmi 5 50 bmi - H$amo S> 6-5 H$amo S> H$amo S> 8 >0 H$amo S> 0-5 bmi bmi bmi bmi 5 50 bmi - H$amo S> 6-5 H$amo S> H$amo S> 8 >0 H$amo S> 0-5 bmi bmi bmi bmi 5 50 bmi - H$amo S> 6-5 H$amo S> H$amo S> 8 >0 H$amo S> 0-5 bmi bmi bmi bmi 5 50 bmi - H$amo S> 6-5 H$amo S> H$amo S> 8 >0 H$amo S> {~µo-goj MIS H$moS> 5 *Am XZr H$m òmov àmo mo H$moS> MIS H$moS> 3 MIS H$moS> 4 MIS H$moS> 6 MIS H$moS> 7 dovz 2 ì dgm go Am XZr 3 {Zdoe go Am XZr 4 H $fh$ 5 AÝ H $n m ñnï> H$a Om MH$Vm ~ H$ A{YH$mar Ho$ hñvmja H$. ID KmofUm : /h ^mav H$m/Ho$ {Zdmgr hÿ /h. /h KmofUm H$aVm hÿ /H$aVo h {H$ oao/h mao Ûmam Xr JB OmZH$mar gë d ghr h. Zo/h Zo, AYmohñVmjar Zo ~ H$ H$s do~gmbq> na àh$m{ev, Ama ~r Eb ~ H$ oao/h mao g^r ImVm, m OyXm VWm ^mdr Ed {d{^ýz godmam go g ~ {YV, {OZ EQ>rEåg/S>o{~Q> H$mS> / mo~mbb ~ qh$j/b Q>aZoQ> ~ qh$j/µ $moz ~ qh$j/{~b ^wjvmz gw{dym BË m{x em{ b h, bo{h$z BÝht VH$ gr{ V Zht h, Ho$ {Z mo d evm] Ho$ g^r àmdymzm H$mo n T> VWm g P {b m h Am a /h CZH$m nmbz H$aZo Ho$ {be gh V hÿ /h. /h OmZVm hÿ /OmZVo h {H$ ~ H$ AnZo nyu {ddoh$ na VWm wpo/h gy{mv {H$E {~Zm BZ go {H$gr ^r godm H$mo nyu V: m A ev: g mßv H$a gh$vm h. /h gh V hÿ {H$ ~ H$ g -g na bmjy godm à^mam Ho$ {be oao AH$mCÝQ> H$mo S>o{~Q> H$a gh$vm h. /h gh V hÿ /h {H$ AJa oao/h mao AZwamoY na n[an³dvm nyd {ZH$mgr H$s AZw {V Xr OmVr h Vmo g -g na ~ H$/^maVr [aod ~ H$ Ûmam V m OyXm {d{zym aum go O m am{e na ã mo na ^wjvmz {H$ m OmEJm. {dxoer A exmz ({d{z ) A{Y{Z 200 VWm {dxoer A exmz ({d{z ) {Z, 20 Ho$ A VJ V KmofUm. /h nw{ï> H$aVm hÿ /H$aVo h {H$ {Z { V àmmbz Ho$ A J Ho$ ê$n, /h {Zdoe go H$moB {dxoer A exmz àmßv Zht H$aVo h Am a ^{dî AJa h h àmßv H$a Jo Vmo ~ H$ H$mo n m ßV Zmo{Q>g Ho$ gmw A{J«ê$n go gy{mv H$a Jo. m 2. /h nw{ï> H$aVm hÿ / H$aVo h {H$ h {dxoe go {dxoer A exmz àmßv H$aVo h. ~ H$ E $gramae AH$mCÝQ> {dxoer A exmz H$mo O m H$aZo Ho$ {be J h m bm Ho$ Ìmb (E EME) go AbJ go ñdrh ${V m Jr JB h, h AH$mCÝQ> Eogo E $gramae H«o${S>Q²>g Ho$ {be {deof ê$n h {H$ Ama ~r Eb ~ H$ AH$mCÝQ> {H$gr {dxoer A exmz H$mo O m Zht {H$ m OmEJm. /h h ^r nw{ï> H$aVm hÿ / H$aVo h {H$ E $gramae AH$mCÝQ> hovw àmßv H$s JB ñdrh ${V AH$mCÝQ> {d{eï> VWm ~ H$ d emim {d{eï> h. /h Ama ~r Eb ~ H$ Ho$ {Z m d evm] H$mo ñdrh$ma H$aVo h VWm CZH$m nmbz H$aZo Ho$ {be gh V h. *nmq> Za/S>m ao³q>a/q >ñq>r/h$vm /A{YH $V hñvmjar Ho$ {ddau àw AmdoXH$ Ho$ hñvmja {ÛVr AmdoXH$ Ho$ hñvmja V Vr AmdoXH$ Ho$ hñvmja MVwW AmdoXH$ Ho$ hñvmja 4

5 AË ÝV hîdnyu {Z Am a ev] goqd½g ~ H$ AH$mCÝQ> BZ AH$mCÝQ²>g YZ-àofU (ao{ Q>oÝg)/MoH$/S >mâq>/s>o{~q>/eq>re H$mS> /B Q>aZoQ> ~ qh$j/ mo~mbb ~ qh$j/{~b ^wjvmz Am{X Ho$ O[aE n gm O m H$am m Am a BZgo {ZH$mbm Om gh$vm h. nmì ì p³v m VWm ^mavr [aµod ~ H$ Ûmam ñdrh $V {H$E JE Hw$N> Am J}ZmBOoeÝg/EOoÝgrµO Ûmam AH$mCÝQ> Imobo Om gh$vo h. m OyXm ã mo Xa 5.5% dm{f H$ h VWm N> mhr AmYma na Xo h. ^m [a ~ H$ Ho$ m OyXm {d{z m Ho$ AZwgma ã mo H$s JUZm X {ZH$ A {V ~ boýg na H$s OmVr h, ~ev] h H$ go H$ ` hmo. Bg AH$mCÝQ> Ho$ O[aE AH$mCÝQ>YmaH$/H$m Ho$ Zm na H$mQ>o JE Ho$db MoH$, {S>{dS>oÝS> dmaêq> hr ñdrh$ma {H$E OmE Jo, AH$mCÝQ>YmaH$/H$m Ho$ Zm dmbo $m ZmpÝe b B ñq > oýq²>g ñdrh$ma Zht {H$E OmE Jo. AH$mCÝQ>YmaH$ H$mo ~ H$ Ho$ à^mam H$s Vm{bH$m Ho$ A VJ V g -g na {d{zym [av AZwgma m{gh$/am gv ~ boýg (MAB/QAB) H$mo AH$mCÝQ> ~ZmE aizm hmojm. BgH$m AZwnmbZ Z H$aZo na g{d g à^ma XoZm n S>oJm. MAB/QAB H$s JUZm Bg àh$ma H$s OmVr h - H $boýs>a mh Ho$ {be, {XZ Ho$ A V ~ boýg Ho$ Am gv Am a Hw$b moj $b H$mo Cg mh/{v mhr Ho$ {XZm H$s g» m go {d^m{ov H$aHo$. gobar AH$mCÝQ> Ho$ {be AJa bjmvma VrZ hrzm VH$ AH$mCÝQ> H$moB gobar (dovz) O m Zht hmovr h Vmo ~ H$ Ho$ nmg wpo m oao Am J}ZmBOoeZ H$mo gy{mv {H$E {~Zm gobar AH$mCÝQ> Ho$ XO} H$mo ~ H$ Ho$ ao½ wba goqd½g AH$mCÝQ> ~XbZo/~ X H$aZo H$m A{YH$ma gwa{jv h VWm Eogo AH$mCÝQ> na CgHo$ XO} H$mo ~XbZo H$s {V{W go ao½ wba goqd½g AH$mCÝQ> na bmjy hmozo dmbo {Z d ev] à^mdr hm Jr. H$a Q> ~ H$ AH$mCÝQ> H$a Q> AH$mCÝQ²>g H$mo ì p³v m /nmq> Za{en $åg /àmbdoq> VWm npãbh$ {b{ Q>oS> H $n{z m /{hýxÿ A{d^³V n[admam (HUFs)/{d{ZYm [av Egmo{eEQ²>g/gmogm {Q> m /Q >ñq²>g Am{X Ûmam àmm{bv {H$ m Om gh$vm h. Eogo AH$mCÝQ²>g Ho$ àmmbz H$mo em{gv H$aZo dmbo {Z m VWm evm] Ho$ A VJ V ~ H$ EH$ Ý yzv ~ boýg H$mo ~ZmE aizm Am Vm a na {ZYm [av H$aoJm. Eogo Ý yzv ~ boýg H$mo AH$mCÝQ> ~ZmE aizo na {d $b hmozo na ~ H$ Ûmam g -g na {ZYm [av AZwgma à^ma {b m OmEJm. VH$ Ho$ AH$mCÝQ> H$m g MmbZ VH$ Ho$ O m AH$mCÝQ> Xo am{e m H$m {ZnQ>mam O~ O mam{e g w³v Zm m na hmo VWm ^wjvmz Ho$ àmmbz {ZX}e ""H$moB ^r m CÎmaOrdr'' hmo, Vmo g w³v YmaH$m go {H$gr EH$ H$s Xþ^m ½ de Ë w hmozo na, ^wjvmz CÎmaOrdr/ m H$mo n[an³dvm na m n[an³dvm go nhbo m J {H$E OmZo na {H$ m OmEJm VWm ~ H$ VH$ Ho$ CÎmam{YH$m[a m go {H$gr Xmdo go CÝ wp³v ({S>ñMmO ) àmßv H$aoJm. AJa O mh$vm H$m ~ H$ a{oñq>s> Zm m {H$V ì p³v h Vmo VH$ O mh$vm Ho$ AH$mCÝQ> ~H$m m O m am{e H$m ^wjvmz, Zm m {H$V ì p³v H$s ~ H$ Ûmam g VmofOZH$ VarHo$ go nhmmz {H$E OmZo Ho$ ~mx, Zm m {H$V Ho$ AH$mCÝQ> Q >m ñ $a/cgo ^wjvmz Ho$ O[aE {H$ m OmEJm. H$moB Zm m H$Z Z hmozo H$s pñw{v, O~ XmdoXmam Ho$ ~rm H$moB {ddmx Z hmo, VH$ ì p³v Ho$ AH$mCÝQ> ~H$m m am{e H$m ~ H$ Ûmam ^wjvmz g w³v AmdoXZ na g^r {d{yh$ CÎmam{YH$m[a m m {d{yh$ CÎmam{YH$m[a m Ûmam A{YH $V {H$E JE ì p³v m H$mo ~ H$ Ho$ à~ YZ Ûmam ñdrh $V gr m VH$ H$aHo$ CÝh j{vny[av {H$ m OmEJm VWm {H$Ýht H$myZZr H$mJOmVm H$s m J Zht H$s OmEJr. Eogm h gw{zpímv H$aZo Ho$ {be h {H$ H$mZyZr Am nmm[ah$vmam H$mo nyam H$aZo {dbå~ Ho$ H$maU Am O mh$vm Am H$mo H$mooB naoemzr Z PobZr n S>o. AH$mCÝQ> H$s {ddaur goqd½g ~ H$ VWm H$a Q> {S>nm {OQ> AH$mCÝQ>YmaH$m H$mo ~ H$ Ûmam AH$mCÝQ> ImobZo Ho$ {Z m Am a evm] Ho$ AZwgma Amd{YH$ én go AH$mCÝQ> H$s {ddaur CnbãY H$am r OmEJr. goqd½g ~ H$ AH$mCÝQ>YmaH$m H$mo AZwamoY na nmg~wh$ gw{dym ^r CnbãY H$am r OmEJr. Ad ñh$ H$m AH$mCÝQ> Ad ñh$ Ûmam goqd½g ~ H$ AH$mCÝQ> Imobm Om gh$vm h VWm Bgo àmh ${VH$ Am a/ m {d{yh$ A{^^mdH$ m H$moQ> Ûmam {Z w³v A{^^mdH$ Ûmam g Mm{bV {H$ m Om gh$vm h. nyd dvu Ad ñh$ H$mo, d ñh$vm àmßv H$aZo na Ho$dmB gr H$mJOmVm Ho$ gmw Z m AH$mCÝQ> ImobZo Ho$ {be gymzm {^Odm r OmEJr, BZ H$mJOmVm H$mo [ah$m S> VWm g^r àmmbz Ho$ à moozm Ho$ {be gwa{jv aim OmEJm. Zm m H$Z gw{dym Ho$db ì {³VJV j Vm (AWm V EH$b/g w³v AH$mCÝQ²>g VWm gånyu ñdm{ Ëddmbr H $n{z m Ho$ AH$mCÝQ²>g na ^r) Zm m H$Z gw{dym CnbãY h VWm à{v{z[yëd j Vm Imobo JE AH$mCÝQ²>g na CnbãY Zht h. AH$mCÝQ>YmaH$ Ûmam AnZo OrdZH$mb Ho$ Xm amz H$^r ^r Zm m H$Z {H$ m, Cgo aô {H$ m m ~Xbm Om gh$vm h. Zm m H$Z H$aVo, aô H$aVo m ~XbVo g gmjr H$m hmozm Oê$ar h VWm AZwamoY na g^r AH$mCÝQ>YmaH$m Ho$ hñvmja hmozo Mm{hE. Ad ñh$ Ho$ nj ^r Zm m H$Z {H$ m Om gh$vm h. J«mhH$m go AZwamoY h {H$ AJa CÝhm Zo A^r VH$ Zm m H$Z gw{dym Zht br h Vmo BgH$m bm^ CR>mE. 5

6 { $³ñS> {S>nm {OQ> AH$mCÝQ> dv mz, AJa {H$gr { $³ñS> {S>nm {OQ> H$mo Imobo OmZo Ho$ 7 {XZmo Ho$ A Xa n[an³dvm nyd Cgo g mßv H$a {XE OmZo na Cg na ~ H$ Ûmam H$moB ã mo Zht {X m OmVm h. AJa { $³ñS> {S>nm {OQ> H$mo Xo {V{W go nhbo, bo{h$z 3 {XZm Ho$ ~mx n[an³dvm nyd g mßv {H$ m OmVm h Vmo ~ H$ O m am{e H$mo {Og Ad{Y Ho$ {be aim J m Wm, Cg na Cg {V{W H$mo Xo ã mo Xa na % H$m XÊS>mË H$ ã mo {b m OmEJm. ã mo Xam H$m CëboI dm{f H$ AmYma na {H$ m OmVm h VWm EH$ df {XZm H$s dmñv{dh$ g» m H$mo {b m OmVm h (O go {H$ A{Y df 366 {XZ) O mam{e m na ã mo {V mhr m MH«$d {Õ AmYma (AWm V ã mo H$m nwz {Zdoe) m O mh$vm H$s BÀN>m na {S>ñH$mCÝQ>oS> yë na m{gh$ {X m OmVm h. ã mo Xam H$mo g -g na g emo{yv {H$ m OmVm h VWm OZVm H$s OmZH$mar Ho$ {be BÝh ~ H$ H$s emimam Ho$ {S>ñßbo ~mos>, do~gmbq> na {S>ñßbo {H$ m OmVm h. {Z m Am a evm] Ho$ AZwgma n[an³dvmnyd AXm Jr X S> bmjy hmojm. g w³v Zm m go aio JE { $³ñS> {S>nm {OQ²>g: { $³ñS> {S>nm {OQ> Ho$ n[an³dvmnyd ^wjvmz H$s AZw {V Ho$db H$^r g w³v O mh$vm Am Ûmam hñvmj[av AZwamoY {H$E OmZo na h. oýs>oq> ""H$moB ^r m CÎmaOrdr H$mo Xo '' Ho$db O mam{e H$s n[an³dvm Ho$ g bmjy h. bmoz/ AmodaS >mâq>, AJa { $³ñS> {S>nm {OQ> na bmoz H$s m J H$s OmVr h, bmoz/ AmodaS >mâq> AmdoXZ na g^r g w³v O mh$vm Am Ho$ hñvmja hmozo Mm{hE. ~ H$ Ûmam ã mo H$s JUZm df {XZm H$s dmñv{dh$ g» m Ho$ AmYma na H$s OmVr h. O mam{e H$m $bmd A{Y df VWm J a-a{ydf na hmozo H$s pñw{v ã mo H$s JUZm dmñv{dh$ {XZm H$s g» m AWm V A{Y df 366 {XZm Am a J a-a{ydf 365 {XZm Ho$ AmYma na H$s OmVr h. O mh$vm H$s Ë w H$s pñw{v, gmd{y O mam{e m H$mo n[an³dvmnyu g mßv H$aZo H$s AZw {V hmojr. Eogr n[an³dvmnyu {ZH$mgr na H$moB XÊS> Zht bjm m OmEJm. /h gh V hÿ /h {H$ g w³v AH$mCÝQ> Ho$ àmmbz H$m mü "H$moB ^r m CÎmaOrdr' hmozo na, h go H$moB ^r, AH$mCÝQ>YmaH$ Ho$ ê$n, emimam, EQ>rE, µ $moz ~ qh$j, B Q>aZoQ> ~ qh$j m Ama ~r Eb ~ H$ Ûmam g -g na CnbãY H$amE JE mo~mbb ~ qh$j M Zb Ho$ mü go { $³ñS> {S>nm {OQ>/ [ah$[a J {S>nm {OQ> ewé H$aZo Ho$ {be AZwamoY H$a gh$vm hÿ / gh$vo h. /h gh V hÿ /h {H$ Eogo { $³ñS> {S>nm {OQ>/ [ah$[a J {S>nm {OQ> g^r AH$mCÝQ>YmaH$m Ho$ Zm na "H$moB ^r m CÎmaOrdr' àmmbz mü Ho$ gmw ~ZmE OmE Jo VWm / h Eogo { $³ñS> {S>nm {OQ>/ [ah$[a J {S>nm {OQ> na bmjy m {H$gr { $³ñS> {S>nm {OQ> Ho$ ZdrH$aU/ ñdv ZdrH$aU Ûmam ~ZmE JE { $³ñS> {S>nm {OQ> na bmjy {Z m d evm] H$mo nmbz H$aZo Ho$ {be ~mü hÿ /h. /h > h ^r OmZVm hÿ / OmZVo h {H$ C³V { $³ñS> {S>nm {OQ> na bmoz àmßv H$aZo m Eogo { $³ñS> {S>nm {OQ>/[aH$[a J {S>nm {OQ> H$mo n[an³dvm nyd g mßv H$aZo m {H$gr { $³ñS> {S>nm {OQ> Ho$ ZdrH$aU/ ñdv ZdrH$aU Ûmam ~ZmE JE {H$gr { $³ñS> {S>nm {OQ> na bmoz bozo Ho$ {be g^r [ $³ñS> {S>nm {OQ>/ [ah$[a J {S>nm {OQ>YmaH$m H$s {b{iv gh {V Ama ~r Eb ~ H$ Ûmam {d{zym[a V VarHo$ go Ano{jV hmojr. /h Cnamo³V {d{zym[a V VarHo$ go {H$gr { $³ñS> {S>nm {OQ>/ [ah$[a J {S>nm {OQ> H$mo ~ZmE OmZo/ g mßv {H$E OmZo Ho$ {be Ama ~r Eb ~ H$ Ho$ {déõ H$moB {ddmx/ Ûmam CËnÝZ Zht H$é Jm VWm h go {H$gr m {H$gr WS> nmq>u Ûmam CR>mE JE {H$gr {ddmx/ Xmdo Ho$ H$maU aëzmh$a ~ H$ Ûmam CR>m r OmZo dmbr {H$gr hm{z/ j{v Ho$ {be aëzmh$a ~ H$ H$s j{vny{v H$é Jm/H$é Jo. {d{dy ~ H$ Ûmam Xr OmZo dmbr {d{^ýz godmam / gw{dymam Ho$ BñVo mb Am a $m Xm na hîdnyu OmZH$mar hovw J«mhH$m Ho$ à{v ~ H$ H$s à{v~õvm Ho$ H$moS> VWm à^mam H$s gymr H$s H$m nr m J na VWm ~ H$ H$s do~gmbq> na CnbãY h. VH$ J«mhH$m Ho$ AH$mCÝQ²>g ~ boýg am{e H$m CÎmaOr{d m / XmdoXmam H$mo ^wjvmz Ho$ m bo ~ H$ H$mo ao½ wboq>g Ûmam {XE JE C{MV mj Xe Zm H$mo AnZmZm hmojm. AnZo J«mhH$m H$mo Om{ZE (KYC) {Xem{ZX}e ~ H$ H$moB AH$mCÝQ> ImobVo g AH$mCÝQ> ImobZm Mmh aho ì {³V( m ) Ho$ nvo, nhmmz Ho$ ~mao ñd H$mo g Vwï> H$aoJm VWm YmoIoK S>r Ed ~ qh$j {gñq> Ho$ AÝ Xþén mojmo go g ^m{dv J«mhH$m, OZVm Ed AnZo H$mo gwa{jv aizo XX H$aoJm. ~ H$ AH$mCÝQ> ImobZo/ àmm{bv H$aZo dmbo ì {³V( m ) Ho$ hmb hr Ho$ $moq>moj«m $ àmßv H$aoJm. {Og ì {³V/ BH$mB H$mo Am H$a {d^mj Ûmam n Z Z ~a Am~ {Q>V {H$ m J m hmo, Cgo AH$mCÝQ> ImobZo Ho$ $m Bg Z ~a H$m CëboI H$aZm hmojm. m { $a $m 60 (J a-h ${f) m $m 6 (H ${f) KmofUm H$aZr hmojr. Ad ñh$ Ho$ m bo, {OgH$s H$moB Am H$a mo½ Am XZr Z hmo. Cgo ~ H$ AH$mCÝQ> ImobVo g pñw{v AZwgma AnZo {nvm m mvm m A{^^mdH$ Ho$ n m ZoÝQ> AH$mCÝQ> Z ~a (n Z) m OZab B S>o³g a{oñq>a Z ~a (OrAmB AmaEZ) H$m CëboI H$aZm hmojm. Ho$dmB gr H$mJOmVmo H$s ZdrZV ñdrh $V gymr emim CnbãY h, H $n m BgHo$ {be AnZr ZOXrH$s emim go gånh $ H$a. J«mhH$m H$s {eh$m Vm Ho$ erk«ed gj VarHo$ go g mymz Ho$ {be ~ H$ Ûmam EH$ gwñnï> {eh$m V g mymz à{h«$ m AnZm r JB h. AnZr {eh$m Vm H$mo XO H$aZo Ho$ {be, H $n m ~«m M ZoOa m h mao µ $moz ~ qh$j E{½O³ y{q>ìg go gånh $ H$a. AnZr {eh$m V XO H$amZo Ho$ {be Amn h na {d{oq> H$a gh$vo h. AJa Amdí H$ hmo Vmo {eh$m V H$mo AmJo AmnHo$ joì Ho$ arozb ZmoS>b Amo{ $ga Am a qàgrnb ZmoS>b Am { $ga Ho$ nmg nhþ Mm m Om gh$vm h. ZmoS>b A{YH$m[a m Ho$ gånh $ {ddau h mar emimam VWm do~gmbq> na {S>ñßbo {H$E JE h. nmdvr goqd½g H$a Q> { $³ñS> {S>nm {OQ> [ah$[a J {S>nm {OQ> AH$mCÝQ> Ho$ {be AmdoXZ àmßv hþam. Ama {^H$ ^wjvmz H$m {ddau Ama {^H$ am{e ` eãxm MoH$ Z. Amh[aV ~ H$ {XZm H$ D D M M Y Y Y Y g X^ g. emim oao aëzmh$a ~ H$ AH$mCÝQ> na S>o{~Q> H$a ZH$X am{e ` ZmoQ> AJa AH$mCÝQ> H$s Ama {^H$ am{e H$m ZH$X ^wjvmz {H$ m OmVm h Vmo J«mhH$ H$mo emim ñd OmH$a BgH$s A{YH $V agrx àmßv H$aZr Mm{hE. S>rS>r/nrAmo/MoH$ dgybr Ho$ {df myrz h. am{e Ho$db E $S>r m AmaS>r Ho$ {be. m{gh$ {H$ñV Ad{Y {d{ydv ^am hþam Zm m H$Z $m DA àmßv hþam hm Zht ã mo Xa ~ H$ A{YH$mar H$m Zm ~ H$ A{YH$mar Ho$ hñvmja H$ Mmar AmB S>r {XZm H$ D D M M Y Y Y Y {H$gr g Mma-g dmx Ho$ {be H $n m AnZo ao $aoýg Z. X. Phone Banking No. 7 Days a week 9AM to 7 PM to 99 6