ক্রেডিট প্রকল্প

ক্রেডিট লোনের নীতিমালা

(পুনঃ সংশোধিত ও ১ জুলাই, ২০১৯ খ্রীঃ থেকে কার্যকর)

সাধারণ নীতিমালা

01| m`m¨c` jv‡fi 6 gvm ci F‡Yi Av‡e`b Kiv hv‡e| †m‡ÿ‡Î Aek¨B 6 gvm wbqwgZ †kqvi Rgv cÖ`vb Ki‡Z n‡e| 02| mwgwZi Dcwewai 26 aviv g‡Z Drcv`bgyLx, jvfRbK, D”Pwk¶v I RxebhvÎvi gvb Dbœqb-Gi Rb¨ mwgwZi m`m¨-m`m¨v‡`i g‡a¨ FY †`Iqv nq| 03| F‡Yi Av‡e`bcÎ ¯úófv‡e evsjv ev Bs‡iRx‡Z c~iY Ki‡Z n‡e| Am¤ú~Y© ev d¬yBW †`Iqv FY-Av‡e`bcÎ MÖnY‡hvM¨ bq| 04| FY cwi‡kv‡ai mv‡_ mv‡_B bZzb F‡Yi Rb¨ (mvaviY/Riæix) Av‡e`b Kiv hv‡e| 05| FY Av‡e`bKvix I Rvwgb`vi‡`i †µwWU cvkeB‡Z Aek¨B Qwe mshy³ _vK‡Z n‡e| 06| FY-Av‡e`bc‡Î Rvwgb`vi‡`i weei‡Y Rvwgb`vi‡`i bvg, m`m¨ b¤^i, †dvb b¤^i, †nvwìs b¤^imn c~Y© eZ©gvb wVKvbv, eZ©gvb †kqvi I e‡Kqv F‡Yi cwigvY Ges ¯^vÿi w`‡Z n‡e (Av‡e`bc‡Î mwVK I c~Y©v½ Z_¨ †`qv Avek¨K)| 07| Av‡e`bKvixi eZ©gvb wVKvbv Ges Kg©¯’‡ji bvg-wVKvbvi †ÿ‡Î c~Y©v½ Z_¨ w`‡Z n‡e| G †ÿ‡Î †dvb b¤^i I †nvwìs b¤^i Aek¨B D‡jøL Ki‡Z n‡e| eZ©gvb wVKvbv cwieZ©b n‡j, wba©vwiZ dig c~iY K‡i nvjbvMv` K‡i FY-Av‡e`b dig Rgv w`‡Z n‡e| 08| F‡Yi Av‡e`bc‡Î †Kvb mgm¨v Av‡Q wK-bv, Zv Av‡e`bcÎ Rgv †`qvi ci Awdm PjvKvjxb mg‡q wbR `vwq‡Z¡ †R‡b wb‡Z n‡e Ges mgm¨v _vK‡j AwZmZ¡i ms‡kvab K‡i w`‡Z n‡e| 09| FY-Av‡e`bcÎ Rgv †`qvi mgq Av‡e`bcÎ MÖnYKvix Awdmvi KZ…©K DÌvwcZ Av‡e`bc‡Î DwjøwLZ weei‡Yi e¨vL¨v cÖ`vb Ki‡Z n‡e| 10| FY-Av‡e`bKvixi wbR¯^ I cvwiev‡ii Ab¨vb¨ m`m¨‡`i (hw` _v‡K) Ab¨vb¨ mwgwZ‡Z F‡Yi wKw¯Í cÖ`vb †k‡l DØ„‡Ëi Dci wfwË K‡i FY cÖ`vb Kiv n‡e| D‡jøL¨, Ab¨vb¨ mwgwZ‡Z cwiev‡ii m`m¨‡`i F‡Yi Z_¨ (hw` _v‡K) Aek¨B D‡jøL Ki‡Z n‡e| 11| F‡Yi Av‡e`bcÎ Rgv †`Iqvi mgq t K) mvaviY F‡Yi Av‡e`bcÎ gv‡mi 1 ZvwiL †_‡K 23 Zvwi‡Li g‡a¨ Rgv †`Iqv hv‡e| L) Uc-Avc/Riæix F‡Yi Av‡e`bcÎ gv‡mi 1 ZvwiL †_‡K 27 Zvwi‡Li g‡a¨ Rgv w`‡Z n‡e (†deªæqvix I Ryb gvm e¨ZxZ)| 12| FY-Av‡e`bcÎ Rgv †`Iqvi mgq A_ev FY MÖn‡Yi mgq Av‡e`bKvix‡K Aek¨B Dcw¯’Z n‡Z n‡e| 13| F‡Yi Av‡e`bcÎ mwgwZi Awd‡m Rgv n‡j FY gÄyi ev bv-gÄyi n‡jI Av‡e`bcÎ †diZ‡hvM¨ bq| 14| mKj FY Aby‡gv`‡bi c~‡e© Av‡e`bKvixi †`Iqv Z_¨vw` Awdm KZ…©K Z`šÍ mv‡c‡ÿ FY cÖ`vb Kiv n‡e| 15| µqK…Z F‡Yi Av‡e`bc‡Î †Kvb ms‡hvRb/we‡qvRb/cwieZ©b n‡j bZzb di‡g Av‡e`b Ki‡Z n‡e| 16| FY-Av‡e`bKvix I Rvwgb`vi‡`i cvkeB, Av‡e`bKvixi mwgwZi AvBwW. KvW© I RvZxq cwiPqc‡Îi d‡UvKwc Ges GK Kwc m`¨ †Zvjv cvm‡cvU© mvB‡Ri Qwe FY-Av‡e`bc‡Îi mv‡_ Rgv w`‡Z n‡e| e¨emvqx‡`i †ÿ‡Î e¨emvi aiY Abyhvqx (ÿz`ª e¨emvqx, gvSvwi e¨emvqx I e„nr e¨emvqx) nvjbvMv` †UªW jvB‡mÝÕ, ÔwUb mvwU©wd‡KUÕ I Ôe¨vsK †óU‡g›UÕ Rgv w`‡Z n‡e Ges Ab¨vb¨ Avqg~jK cÖgvYcÎ w`‡Z n‡e| 17| c~e©eZx© F‡Y 03 (wZb) gv‡mi †ekx AwbqwgZ _vK‡j mvaviY FY wn‡m‡e c~‡e©i F‡Yi mgcwigvY FY cÖ`vb Kiv nq| 03 gv‡mi †ekx AwbqwgZ _vK‡j e¨e¯’vcbv KwgwU eivei Av‡e`b Ki‡Z n‡e| 18| †Kvb FY MÖnxZv cybtZdwmjK…Z F‡Y cybivq AwbqwgZ n‡j, c~‡e©i mgcwigvY F‡Yi †ÿ‡ÎI A‡hvM¨ e‡j we‡ewPZ n‡e| G e¨vcv‡i †ev‡W©i wm×všÍB P‚ovšÍ e‡j we‡ewPZ n‡e| 19| XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW e¨ZxZ Ab¨vb¨ mwgwZi Z_¨ Aek¨B cÖ`vb Ki‡Z n‡e| F‡Yi Av‡e`bc‡Î wg_¨v Z_¨ cÖ`vb Kiv n‡j Ges Zv cÖgvwYZ n‡j, †m mKj m`m¨‡K FY cÖ`v‡bi †ÿ‡Î †evW© wgwUs‡qi wm×všÍB P‚ovšÍ e‡j we‡ewPZ n‡e| D³ FY (†h‡Kvb As‡Ki) cybt Z`‡šÍi Rb¨ 500/- UvKv PvR© cÖ`vb Ki‡Z n‡e| 20| K) mvaviY FYÑ 07 (mvZ) Kg©w`e‡mi g‡a¨ cÖ`vb Kiv n‡e| L) Riæix/Uc-Avc FYÑ 03 (wZb) Kg©w`e‡mi g‡a¨ cÖ`vb Kiv n‡e| 21| F‡Yi Rb¨ kZKiv evwl©K 12% nv‡i my` cÖ`vb Ki‡Z n‡e| 22| Ô†mjd †jv‡biÕ †¶‡Î wbR¯^ †µwWU †kqvi Avgvb‡Zi wecix‡Z 90% FY cÖ`vb Kiv nq (nvDwRs cÖK‡íi 90% AvgvbZ †µwWU †kqv‡ii mv‡_ †hvM Kiv hv‡e)| 23| mvaviY F‡Yi †ÿ‡Î nvDwRs cÖK‡íi 02 (`yB) gvm c~‡e©i AvgvbZ †µwWU †kqv‡ii mv‡_ †hvM K‡i F‡Yi Av‡e`b Kiv hv‡e| Z‡e †µwWU †kqvi Avgvb‡Zi AwZwi³ nvDwRs AvgvbZ †hvM Kiv hv‡e bv| 24| Uc-Avc FY e¨ZxZ FY _vKvKvjxb bZzb FY †`Iqv nq bv| 25| Aby‡gvw`Z FYwU cieZx© gv‡mi g‡a¨ MÖnY bv Ki‡j, Aby‡gvw`Z FYwU evwZj e‡j MY¨ n‡e Ges evwZjK…Z F‡Yi Rb¨ Av‡e`bKvix‡K 200/- UvKv Ômvwf©m PvR©Õ w`‡Z n‡e| cÖ‡qvR‡b Zvi †mwfsm wnmve †_‡K D³ UvKv mgš^q Kiv n‡e| 26| FY-Av‡e`bKvixi Rvwgb`vi‡`i g‡a¨ hw` †KD wKw¯Í †Ljvcx _v‡Kb, Z‡e wb‡gœi wbqgvbymv‡i wKw¯Í cÖ`v‡bi gva¨‡g wbqwgZ n‡Z cvi‡ebÑ K) 1 †_‡K 5 gvm wWdëvi _vK‡jÑ 1 gv‡mi wKw¯Í, my` I Rwigvbvmn bM` cÖ`vb Ki‡Z n‡e| L) 6 †_‡K 10 gvm wWdëvi _vK‡jÑ 2 gv‡mi wKw¯Í, my` I Rwigvbvmn bM` cÖ`vb Ki‡Z n‡e| M) 10 gv‡mi E‡×© n‡jÑ 3 gv‡mi wKw¯Í, my` I Rwigvbvmn bM` cÖ`vb Ki‡Z n‡e| 27| GKvbœeZx© cwiev‡ii †Kvb m`m¨ FY †Ljvcx n‡j, F‡Yi m¤ú~Y© e‡Kqv cwi‡kva mv‡c‡¶ cwiev‡ii Ab¨vb¨ m`‡m¨i FY we‡ePbv Kiv †h‡Z cv‡i| 28| DcvR©bnxb m`m¨‡`i FY MÖn‡Yi mgq DcvR©b¶g m`m¨, wcZvgvZv ev AwffveK‡K FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e| 29| 65 eQ‡ii †ekx eq¯‹‡`i cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (300/- UvKv) FY cwi‡kv‡ai †ÿ‡Î DcvR©bÿg †Kvb e¨w³i A½xKvibvgv cÖ`vb Ki‡Z n‡e| 30| FY-Av‡e`bKvixi eqm 70 eQ‡ii E‡×© n‡j Zv‡K m‡e©v”P 3,00,000.00 (wZb jÿ) UvKv FY cÖ`vb Kiv n‡e Ges FY MÖn‡Yi mgq cwiev‡ii DcvR©bkxj GKRb m`m¨‡K cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (300/- UvKv) FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e (A½xKvi cÖ`vbKvix‡K GB mwgwZi m`m¨ n‡Z n‡e)| 31| 1,00,000 (GK j¶) UvKv ch©šÍ FY Av‡e`bKvixi mÂqx wnmv‡ei gva¨‡g cÖ`vb Kiv nq| DwjøwLZ As‡Ki FY Ôóvd KwgwUi mvwe©K ZZ¡veav‡bÕ cÖ`vb Kiv n‡e| Z‡e Aek¨B FY`vb KwgwUi G·-AwdwmI‡`i Aby‡gv`b _vK‡Z n‡e| 32| we‡`‡k PvKzix Ki‡Qb Ggb m`‡m¨i FY-Av‡e`‡bi m‡½ Zvi cvm‡cv‡U©i cÖ_g c„ôv, wfmv mshy³ c„ôv I me©‡kl evsjv‡`‡k AvMg‡bi wmjhy³ c„ôvi d‡UvKwc Rgv w`‡Z n‡e| Zvi AeZ©gv‡b FY cwi‡kvaKvix e¨w³‡K cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (300/- UvKv) FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e| FY MÖnxZvi AeZ©gv‡b whwb FY cwi‡kva Ki‡eb, Zv‡K Aek¨B GB mwgwZi m`m¨ n‡Z n‡e| Av‡e`bKvix‡K Dcw¯’Z †_‡K F‡Yi †PK& MÖnY Ki‡Z n‡e| †PK wmDwiwUi †ÿ‡Î A½xKvi cÖ`vbKvixi e¨vsK †PK I †óU‡g›U Rgv w`‡Z n‡e| 33| GKUvbv 12 (evi) gv‡mi †ekx †kqvi AwbqwgZ n‡j, cieZx© F‡Yi Rb¨ 01 (GK) gvm (PjwZ) wbqwgZ †kqvi Rgv †`Iqvi c‡i F‡Yi Rb¨ Av‡e`b Kiv hv‡e| 34| FY-Av‡e`bKvixi cwiev‡ii †Kvb m`m¨ (evev-gv, AweevwnZ †Q‡j I †g‡q) Ab¨ †Kvb mwgwZ‡Z FY †Ljvcx/AwbqwgZ _vK‡j, Zv‡K FY cÖ`vb Kiv n‡e bv| 35| cwiev‡ii †Kvb m`m¨ (AweevwnZ †Q‡j/†g‡q) FY MÖnYKv‡j hw` Zvi wbR¯^ Avq †`wL‡q _v‡KbÑ hw` Zvi we‡q n‡q Ab¨ cwiev‡i AšÍfz©³ nq ev Avjv`v cwievi MVb K‡i, Avi †m hw` FY †Ljvcx nq, †m‡ÿ‡Î H cwiev‡ii Ab¨ m`m¨ hw` F‡Yi Av‡e`b K‡ib, Zvn‡j H m`‡m¨i FY nvjbvMv` mv‡c‡ÿ FY Aby‡gv`b Kiv †h‡Z cv‡i| 36| FY-Av‡e`bKvixi c~‡e©i F‡Yi Avq-e¨‡qi Z_¨ hvPvB K‡i FY Aby‡gv`b Kiv n‡e| 37| †h‡Kvb As‡Ki FY gÄy‡ii e¨vcv‡i FY`vb KwgwUi mycvwi‡ki wfwË‡Z P‚ovšÍ wm×v‡šÍi Rb¨ †ev‡W© †cÖiY Kiv n‡e| 38| FY-Av‡e`bKvixi wbR¯^ I cvwievwiK Avq-e¨‡qi wfwË‡Z FY gÄyi Kiv n‡e| 39| 5 jÿ UvKv Ges Z`~×© F‡Yi †ÿ‡Î (ïaygvÎ eyK wmDwiwUi Rb¨) Av‡e`bKvixi wbR e¨vsK wnmv‡ei 6wU GgAvBwmAvi †PK FY-Av‡e`bc‡Îi mv‡_ Rgv w`‡Z n‡e| 40| ¯^vgxi F‡Yi †ÿ‡Î ¯¿x Ges ¯¿xi F‡Yi †ÿ‡Î ¯^vgxi m¤§wZcÎ Aek¨B cÖ`vb Ki‡Z n‡e| ¯^vgx ev ¯¿x/wbKU AvZ¥xq we‡`‡k Ae¯’vb Ki‡j mwgwZi B-‡gBj-Gi gva¨‡g m¤§wZ wbwðZ Ki‡Z n‡e| FY-Av‡e`bKvix AweevwnZ n‡j Zv‡K Zvi evev/gv-Gi m¤§wZcÎ Aek¨B cÖ`vb Ki‡Z n‡e| evev/gv we‡`‡k Ae¯’vb Ki‡j mwgwZi B-‡gBj-Gi gva¨‡g m¤§wZ wbwðZ Ki‡Z n‡e| 41| evsjv‡`‡ki †h‡Kvb mgevq mwgwZ‡Z ev e¨vs‡K FY †Ljvcx n‡j D³ m`m¨ GB mwgwZ n‡Z FY MÖn‡Y A‡hvM¨ e‡j we‡ewPZ n‡eb| 42| †Kvb m`m¨ FY MÖnY ev Rvwgb cÖ`v‡bi †ÿ‡Î hw` †KvbcÖKvi RvwjqvwZ K‡ib, Ggb welq cÖgvwYZ n‡j Dfq m`‡m¨i weiæ‡× kvw¯Íg~jK e¨e¯’v MÖnY Kiv n‡e| G‡ÿ‡Î Dfq‡KB me©wb¤œ 01 (GK) eQi FY MÖnY I Rvwgb cÖ`v‡bi my‡hvM iwnZ Kiv n‡e Ges m‡e©v”P m`m¨c` evwZj Kiv †h‡Z cv‡i| GB wel‡q e¨e¯’vcbv KwgwUi wm×všÍB P‚ovšÍ e‡j we‡ewPZ n‡e| F‡Yi ch©vqµwgK avc t

01	bs	FY	Ab~aŸ©	1,00,000	UvKv	6 gvm	c~‡e©i	†kqv‡ii	10 ¸Y
02	bs	FY	Ab~aŸ©	2,00,000	UvKv	6 gvm	c~‡e©i	†kqv‡ii	10 ¸Y
03	bs	FY	Ab~aŸ©	5,00,000	UvKv	6 gvm	c~‡e©i	†kqv‡ii	10 ¸Y
04	bs	FY	Ab~aŸ©	7,00,000	UvKv	4 gvm	c~‡e©i	†kqv‡ii	10 ¸Y
05	bs	FY	Ab~aŸ©	9,00,000	UvKv	4 gvm	c~‡e©i	†kqv‡ii	10 ¸Y
06	bs	FY	Ab~aŸ©	12,00,000	UvKv	4 gvm	c~‡e©i	†kqv‡ii	09 ¸Y
07	bs	FY	Ab~aŸ©	15,00,000	UvKv	3 gvm	c~‡e©i	†kqv‡ii	09 ¸Y
08	bs	FY	Ab~aŸ©	20,00,000	UvKv	3 gvm	c~‡e©i	†kqv‡ii	09 ¸Y
09	bs	FY	Ab~aŸ©	25,00,000	UvKv	3 gvm	c~‡e©i	†kqv‡ii	09 ¸Y
10	bs	FY	Ab~aŸ©	30,00,000	UvKv	3 gvm	c~‡e©i	†kqv‡ii	08 ¸Y
11	bs	FY	Ab~aŸ©	35,00,000	UvKv	2 gvm	c~‡e©i	†kqv‡ii	08 ¸Y
12	bs	FY	Ab~aŸ©	40,00,000	UvKv	2 gvm	c~‡e©i	†kqv‡ii	08 ¸Y

FY cwi‡kv‡ai mgqmxgv t

00001	UvKv	†_‡K	1,00,000	UvKv	ch©šÍ	60	wKw¯Í
1,00,001	UvKv	†_‡K	2,00,000	UvKv	ch©šÍ	72	wKw¯Í
2,00,001	UvKv	†_‡K	3,00,000	UvKv	ch©šÍ	84	wKw¯Í
3,00,001	UvKv	†_‡K	7,00,000	UvKv	ch©šÍ	96	wKw¯Í
7,00,001	UvKv	†_‡K	12,00,000	UvKv	ch©šÍ	120	wKw¯Í
12,00,001	UvKv	†_‡K	15,00,000	UvKv	ch©šÍ	144	wKw¯Í
15,00,001	UvKv	†_‡K	25,00,000	UvKv	ch©šÍ	180	wKw¯Í
25,00,001	UvKv	†_‡K	40,00,000	UvKv	ch©šÍ	240	wKw¯Í

জরুরী ঋণ

01| Riæix FY ïaygvÎ wPwKrmv, `yN©Ubv, weevn, D”Pwk¶v I Rwg µq wel‡q cÖ`vb Kiv n‡e|

02| cÖ_g FY †Kvbfv‡eB ÔRiæixÕ wnmv‡e we‡ewPZ n‡e bv|

03| Riæix F‡Yi wd t 0.50%|

2q FY †_‡K 10g FY ch©šÍ m‡e©v”P 20,00,000 UvKv Riæix FY cÖ`vb Kiv n‡e| D‡jøL¨, 20,00,001 n‡Z m‡e©v”P 30,00,000 UvKv FY Riæix n‡e bv|

04| Riæix F‡Yi Rb¨ m`m¨MY‡K Awdm KZ…©K Qvcv‡bv Av‡e`b-dig c~iY K‡i e¨e¯’vcbv KwgwU KZ©„K Aby‡gv`b mv‡c‡ÿ Rgv w`‡Z n‡e|

05| FY cwi‡kv‡ai m‡½ m‡½ Riæix F‡Yi Av‡e`b Kiv hv‡e|

06| FY-Av‡e`bcÎ Rgv`v‡bi cieZx© 03 (wZb) Kg©w`e‡mi g‡a¨ Riæix F‡Yi e¨e¯’v Kiv †h‡Z cv‡i|

07| Riæix F‡Yi Rb¨ wbw`©ó wd cÖ`vb K‡i wmj‡gvnihy³ iwk` mshy³ K‡i Av‡e`bcÎ Rgv w`‡Z n‡e|

08| weMZ F‡Y 03 (wZb) gv‡mi †ekx AwbqwgZ _vK‡j Riæix FY cÖ`vb Kiv nq bv|

09| cybtZdwmjK…Z FY cwi‡kv‡ai c‡i cieZx© FYwU Riæix wn‡m‡e we‡ewPZ n‡e bv|

10| Riæix F‡Yi RgvK…Z wd †Kvbµ‡gB †diZ‡hvM¨ bq|

11| Riæix F‡Yi Av‡e`b we‡ePbvi Rb¨ e¨e¯’vcbv KwgwUi wm×všÍB P~ovšÍ e‡j MY¨ n‡e|

12| FY MÖn‡Yi †¶‡Î †h‡Kvb wmwjs‡qi Kgc‡¶ 25% FY MÖnY Ki‡Z n‡e| hw` Gi e¨Z¨q nq, Zvn‡j P‚ovšÍ wm×v‡šÍi Rb¨ †ev‡W© †cÖiY Ki‡Z n‡e|

ঋণের জামিন

01| bZzb m`m¨ nIqvi c‡i 6 (Qq) gvm wbqwgZ n‡jB Rvwgb n‡Z cvi‡eb|

02| GKRb m`m¨ m‡e©v”P 12wU F‡Yi Rvwgb n‡Z cvi‡eb|

03| GKB gv‡m GKwU F‡Yi †ekx Rvwgb n‡Z cvi‡eb bv|

04| GKB gv‡m FY MÖnY I Rvwgb †`Iqv hv‡e bv|

05| F‡Yi cÖ_g wKw¯Í cÖ`vb mv‡c‡¶ Rvwgb cÖ`vb Kiv hv‡e|

06| Ôµm RvwgbÕ F‡Yi Rvwgb wn‡m‡e we‡ewPZ n‡e bv|

07| †h‡Kvb F‡Yi Rb¨ wb‡Rimn Kgc‡¶ 03 (wZb) Rb Rvwgb`vi _vK‡Z n‡e| Gi g‡a¨ cwiev‡ii evB‡ii 01 (GK) Rb Rvwgb`vi _vK‡Z n‡e|

08| Av‡e`bK…Z F‡Yi Rb¨ †gvU UvKvi †P‡q wbR Rgvmn 10% †ekx Rvwgb w`‡Z n‡e|

09| AwbqwgZ m`m¨‡`i Rvwgb MÖnY‡hvM¨ bq| wKš‘ m¤ú~Y© e‡Kqv wKw¯Í, my` I †kqvi cÖ`vb K‡i A‡b¨i Rb¨ Rvwgb n‡Z cvi‡eb|

10| nvDwRs, †mwfsm, †gqv`x AvgvbZ ¯‹xg, wmBGm I wewWGm Avgvb‡Zi kZfvM Rvwgb wb‡Ri Ges wbR cwiev‡ii (¯^vgx, ¯¿x, AweevwnZ †Q‡j I †g‡q) m`m¨‡`i g‡a¨ MÖnY‡hvM¨ n‡e| †m‡ÿ‡Î mswkøó cvkeB I †gqv`x AvgvbZ ¯‹xg-Gi g~j mvwU©wd‡KU mwgwZi Awd‡m Rgv ivL‡Z n‡e| FY cwi‡kva bv nIqv ch©šÍ Rvwg‡b e¨eüZ wmBGm, wewWGm I †gqv`x AvgvbZ ¯‹xg-Gi †gqv` DËxY© n‡jI D‡Ëvjb Kiv hv‡e bv, Z‡e Rvwgb gyw³ MÖnY‡hvM¨ n‡e| cÖKvk _v‡K †h, g„Z e¨w³ e¨ZxZ Rvwgb ¯’vbvšÍi Kiv hv‡e bv|

11| 3q FY wKš‘ 1,00,001 n‡Z m‡e©v”P 12Zg FY 30,00,000 UvKv ch©šÍ FY-Av‡e`‡bi †ÿ‡Î †gvU Rvwg‡bi 60% Rvwgb wbR¯^ e¨vsK wnmv‡ei 6wU GgAvBwmAvi †P‡Ki gva¨‡g cÖ`vb Kiv hv‡e| Aewkó 40% eyK wmDwiwU wn‡m‡e cÖ`vb Ki‡Z n‡e| †m‡ÿ‡Î Kgc‡ÿ 3 Rb Rvwgb`vi _vK‡Z n‡e| Gi g‡a¨ cwiev‡ii evB‡ii 1 Rb Rvwgb`vi _vK‡Z n‡e| ïaygvÎ c~‡e©i F‡Y wbqwgZ m`m¨B GgAvBwmAvi †PK wmDwiwUi myweav cv‡eb|

12| GgAvBwmAvi †P‡Ki Rvwg‡b F‡Yi †ÿ‡Î Av‡e`bKvix hw` DcvR©bnxb nb, †m‡ÿ‡Î FY-Av‡e`bKvixi cwiev‡ii/evB‡ii GKRb wbqwgZ m`m¨‡K mwgwZi cÖavb Kvh©vj‡q Dcw¯’Z n‡q cÖPwjZ bb-RywWwkqvj ó¨v‡¤ú (300/- UvKv) FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e Ges A½xKvi cÖ`vbKvix‡K Zvi wbR¯^ e¨vsK wnmv‡ei 6wU GgAvBwmAvi †PK cÖ`vb Ki‡Z n‡e| mwgwZi 2 Rb wbqwgZ m`m¨‡K mwgwZi cÖavb Kvh©vj‡q Dcw¯’Z n‡q mvÿx wn‡m‡e ¯^vÿi w`‡Z n‡e|

13| FY MÖn‡Yi A½xKviKvix Rvwgb cÖ`vb Ki‡Z cvi‡eb|

14| GgAvBwmAvi †PK myweav MÖnYKvix‡`i †h‡Kvb As‡Ki F‡Yi †ÿ‡Î FY-Av‡e`bcÎ Rgv †`qvi mgq 800/- UvKvi K¨vk †PK cÖ`vb Ki‡Z n‡e (ó¨v¤úÑ330/Ñ UvKv, †bvUvixÑ100/- UvKv I cÖ‡mwRs PvR©Ñ370/-UvKv)|

15| FY-Av‡e`bKvix‡K FY MÖn‡Yi c~‡e©i gvm mn wbR¯^ e¨vsK wnmv‡ei 3 gv‡mi †óU‡g›U FY-Av‡e`bc‡Îi mv‡_ Rgv w`‡Z n‡e|

16| †Kvb m`m¨ A_©eQ‡i 03 (wZb) gv‡mi †ekx ÔwKw¯ÍiwnZ (wU/G)Õ myweav wb‡j (e¨e¯’vcbv KwgwUi Aby‡gv`b mv‡c‡¶) FY cwi‡kva bv nIqv ch©šÍ Ab¨ KvD‡K Rvwgb w`‡Z cvi‡eb bv|

17| †h gv‡m ÔwKw¯Í iwnZ (wU/G)Õ myweav MÖnY Ki‡eb, †mB gv‡m KviI F‡Yi Rvwgb n‡Z cvi‡eb bv| cieZx© gv‡m wU/G _vK‡j PjwZ gv‡m wKw¯Í cÖ`vb mv‡c‡ÿ Rvwgb Kvh©Ki n‡e|

18| cybtZdwmjK…Z FY MÖnxZvi †¶‡Î FY cwi‡kva bv nIqv ch©šÍ Rvwgb Kvh©Ki n‡e bv|

ঋণ পরিশোধ

01| FY cwi‡kv‡ai Rb¨ wbR¯^ I cwiev‡ii Avq-e¨q ev` w`‡q h‡_ó DØ„Ë _vK‡Z n‡e|

05| FYMÖnxZv m`m¨ Zvi gvwmK F‡Yi wKw¯Í cÖ`v‡b e¨_© n‡j, cieZx©‡Z wKw¯Í cÖ`v‡bi mgq e‡Kqv F‡Yi Dci 50% nv‡i Ômy‡`i Dci RwigvbvÕ I wba©vwiZ nv‡i GjwcGm cÖ`vb Ki‡Z n‡e|

06| FYMÖnxZv Zvi gvwmK wKw¯Í Rgv w`‡Z AcviM n‡j, e¨e¯’vcbv KwgwUi Kv‡Q ïay my`, †kqvi I GjwcGm cÖ`vb Kivi Rb¨ ÔUvBg G‡jvU‡g›U (wU/G)Õ ev ÔwKw¯ÍiwnZÕ myweav †bqvi Rb¨ Av‡e`b Ki‡Z cvi‡eb| D‡jøL _v‡K †h, Pzw³ †gvZv‡eK mgqmxgvi g‡a¨B FY cwi‡kva Ki‡Z n‡e|

07| GK A_©eQ‡i 2wUi †ekx ÔwKw¯ÍiwnZ (wU/G)Õ myweav MÖnY Ki‡j Ôwi‡eUÕ cÖ`vb Kiv n‡e bv Ges 3wUi †ekx ÔwKw¯Í iwnZ (wU/G)Õ myweav wb‡j KviI F‡Yi Rvwgb nIqv hv‡e bv|

08| †Kvbµ‡gB F‡Yi cÖ_g wKw¯Í, ÔwKw¯ÍiwnZ (wU/G)Õ wn‡m‡e we‡ewPZ n‡e bv|

10| mwgwZi Kg©GjvKvi evB‡i PvKzixiZ FYMÖnxZv‡`i †¶‡Î Kg©GjvKvq Ae¯’vbiZ Zvi wbKU¯’ AvZ¥xq/eÜz GB mwgwZi wbqwgZ GKRb m`m¨‡K FY cwi‡kv‡ai A½xKvibvgv cÖ`vb Ki‡Z n‡e|

11| GgAvBwmAvi †PK cÖ`vbK…Z FY MÖnxZv hw` 1 gvm AwbqwgZ nb, Zvn‡j mwgwZ 1g mZKx©KiY wPwV cÖ`vb Ki‡e, 2 gvm AwbqwgZ n‡j 2q mZKx©KiY wPwV cÖ`vb Ki‡e Ges 3 gvm AwbqwgZ n‡j P‚ovšÍ mZKx©KiY wPwV cÖ`vb Ki‡e| 4_© gv‡m e‡Kqv Av`v‡qi Rb¨ mwgwZ GgAvBwmBAvi †PK e¨vs‡K Rgv †`‡e| D³ †PK wWRAbvi n‡j, AvBbx c`‡ÿc MÖnY Kiv n‡e|

জামিন মুক্তি

†Kvb FYMÖnxZv 1 gvm AwbqwgZ n‡j hw` Zvi †Kvb Rvwgb`vi Rvwgb gyw³ wb‡Z Pvb, Zvn‡j Rvwgb`viMY Awdm KZ©„K Qvcv‡bv Av‡e`bc‡Îi gva¨‡g e‡Kqv F‡Yi my` I Rwigvbv AvbycvwZK nv‡i bM` cÖ`vb K‡i Rvwgb gyw³ wb‡Z cvi‡eb| Z‡e D³ FY cwi‡kv‡ai †gqv‡`i g‡a¨ n‡Z n‡e|

(Wvt webq †Mv¯^vgx) (`vwb‡qj wmK`vi) (wbZ¨ AwaKvix) (cÖ`xc miKvi)

m¤úv`K †Kvlva¨ÿ mn-mfvcwZ mfvcwZ

D³ bxwZgvjv XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi e¨e¯’vcbv KwgwU KZ…©K cÖYxZ weavq fwel¨‡Z cÖ‡qvRb‡ev‡a †Kvb cwieZ©b/cwiea©b/ms‡hvRb/we‡qvRb m¤ú~Y© mwgwZi GLwZqvifz³|

XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW

`ªæZ ea©bkxj I Dbœq‡bi GKwU `„óvšÍ