সঞ্চয়ী প্রকল্প
সঞ্চয়ী প্রকল্পের নিয়মাবলী
bvg I D‡Ïk¨ t
1| GB wewamg~n XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi AvIZvaxb ÔmÂqx cÖKíÕ-Gi Rb¨ ejer _vK‡e|
2| mÂqx wnmve †Lvjvi D‡Ïk¨ UvKv mÂq Kiv, m`m¨‡`i g‡a¨ A_©‰bwZK DbœwZ mvab Kiv Ges mwÂZ A_© XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi gva¨‡g ci¯ú‡ii A_©‰bwZK I mvgvwRK DbœwZ Kiv|
mÂqx wnmve †Lvjv t
3| (K) mÂqx wnmve †Lvjvi Rb¨ wba©vwiZ Av‡e`bc‡Î Av‡e`b Ki‡Z n‡e|
(L) Av‡e`bKvixi 02 (`yB) Kwc ó¨v¤ú mvB‡Ri Qwe I Rb¥wbeÜb mb`/RvZxq cwiPqc‡Îi Abywjwc/d‡UvKwc Rgv w`‡Z n‡e|
(M) mÂqx wnmve †Lvjvi Rb¨ wba©vwiZ fwZ© wd Rgv w`‡Z n‡e|
(N) gvbwmKfv‡e my¯’ †h‡Kvb Lªxwóqvb cÖvß eq¯‹ e¨w³ mÂqx wnmve Lyj‡Z cvi‡eb| AcÖvß eq¯‹ e¨w³i bv‡gI AwffveK mÂqx wnmve Lyj‡Z cvi‡eb| G‡ÿ‡Î Awffve‡Ki 02 (`yB) Kwc ó¨v¤ú mvB‡Ri Qwe Rgv w`‡Z n‡e|
(O) XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi we‡ePbvq cÖ‡qvRbxq AvbyôvwbK wewa c~i‡Yi ci wbi¶i e¨w³I wnmve Lyj‡Z cvi‡eb wKš‘ Abyiƒc †¶‡Î wnmve n‡Z UvKv †Zvjvi mgq H e¨w³i Dcw¯’wZ Ges h‡_vchy³ mbv³Ki‡Yi cÖ‡qvRb n‡e|
hyM¥ wnmve t
4| †h‡Kvb Lªxwóqvb cÖvßeq¯‹ e¨w³ hyM¥ bv‡g mÂqx wnmve Lyj‡Z cvi‡eb| hyM¥ wnmv‡ei †ejvq RgvK…Z UvKv †`qv n‡e Ñ
(K) Zv‡`i †h‡Kvb GKRb‡K A_ev Dfq‡K ev Zv‡`i mKj‡K wKsev DËiRxwe ev DËiRxweMY‡K ev Zv‡`i g‡a¨ †h ev hviv cÖvc¨, Zv †`‡ki cÖPwjZ AvBb Abyhvqx Ges XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi wm×všÍ †gvZv‡eK †`Iqv n‡e|
(L) hw` `yB ev Z‡ZvwaK e¨w³i †KDB RxweZ bv _v‡K, Zvn‡j XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi we‡ePbv †gvZv‡eK †h ev hviv cÖvc¨ Zv‡`i‡KB cÖvc¨ UvKv †`qv n‡e| cÖvc¨ UvKv †dir †`Iqvi †¶‡Î DËivwaKvix mvwU©wd‡KU cÖvcK‡`i `vwLj Ki‡Z n‡e|
5| †Kvb e¨w³ Zvi wbR bv‡g GKvwaK mÂqx wnmve Lyj‡Z cvi‡eb bv| Z‡e bvevjK †Q‡j ev †g‡qi AwffveK wnmv‡e mÂqx wnmve Lyj‡Z cvi‡eb| mÂqx wnmveavixi eqm 18 eQi c~Y© n‡j AwffveK‡K wbR `vwq‡Z¡ wnmveavix‡K †µwWU cÖK‡í m`m¨c` MÖnY Kiv‡Z n‡e|
6| mÂqx wnmve †Lvjvi m‡½ m‡½ GKwU wnmve b¤^i †`qv n‡e Ges D³ wnmve msµvšÍ †h‡Kvb e¨vcv‡i wPwVcÎ †jLvi mgq ev UvKv Av`vb-cÖ`vb Kv‡j cÖ`Ë wnmve b¤^i Aek¨B D‡jøL Ki‡Z n‡e|
UvKv Rgv †`qv t
7| mÂqx wnmveavix (GKvD›U †nvìvi) Zvi wbR¯^ mÂqx wnmv‡e hZevi B”Qv UvKv Rgv w`‡Z cvi‡eb| Z‡e evnK‡K cÖ‡`q A_ev g‡°j eivei cÖ‡`q †PK, WªvdU, †c‡g›U AW©vi, wWwf‡WÛ wKsev my` Iqv‡i›U BZ¨vw` Rgvi Lv‡Z MÖnY‡hvM¨ n‡e bv| mÂqx wnmveavix (GKvD›U †nvìvi) XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi m`m¨ wn‡m‡e Zvi mÂqx wnmv‡ei mv‡_ cÖ‡qvRbxq Av`vb-cÖ`vb Ki‡Z cvi‡eb|
8| cÖviw¤¢K Rgv wnmv‡e 100.00 (GKkZ) UvKv w`‡q mÂqx wnmve †Lvjv hv‡e| gv‡m GKvwaKevi UvKv Rgv †`qv hv‡e| wKš‘ Rgvi cwigvY †Kvb ev‡iB 50.00 (cÂvk) UvKvi Kg n‡e bv|
UvKv DVv‡bv t
9| (K) m‡qi UvKv cÖPwjZ †PK-Gi gva¨‡g †c‡Z n‡j h_vh_ cÖwµqvi gva¨‡g wb‡Z n‡e| GB †ÿ‡Î AšÍZt 2 w`b c~‡e© Awdm‡K AewnZ Ki‡Z n‡e|
(L) hw` †Kvb mÂqx wnmveavix mivmwi Awd‡m nvwRi bv n‡q evn‡Ki gva¨‡g UvKv DVv‡Z Pvb, evnK hw` mwgwZi m`m¨ bv nb, †mB †ÿ‡Î evnK‡K Zvi RvZxq cwiPqcÎ/Rb¥wbeÜb mb` cÖ`k©b Ki‡Z n‡e|
(M) †PKeB bv _vK‡j mÂqx wnmve n‡Z UvKv DVv‡bvi Rb¨ mieivnK…Z ÔUvKv †Zvjvi w¯øcÕ A_ev dig Øviv 1,000.00 (GK nvRvi) UvKv ch©šÍ DVv‡bv †h‡Z cv‡i| †h-†¶‡Î UvKv DVv‡bvi w¯øc (DB_Wªqvj) Øviv UvKv DVv‡bv n‡e, †m-†¶‡Î mÂqx wnmveavix‡K e¨w³MZfv‡e Awd‡m nvwRi n‡Z n‡e| mÂqx wnmv‡e me©`v Kgc‡¶ 1,000.00 (GK nvRvi) UvKvi Kg _vK‡j, †m wnmveavix UvKv DVv‡bvi †PK&eB cÖ`v‡bi †hvM¨ e‡j we‡ewPZ n‡e bv|
10| mÂqx wnmveavix Zvi wbR wnmve n‡Z cÖwZev‡i Kgc‡¶ 500.00 (cuvPkZ) UvKv wnmv‡e Rgv †i‡L mßv‡n `yBevi UvKv DVv‡Z cvi‡eb|
11| mÂqx wnmveavix cÖwZ mßv‡n wbR wnmve n‡Z Rgvi kZKiv 25 fvM Abyש 20,000.00 (Kzwo nvRvi) UvKv Zzj‡Z cvi‡eb| Rgv UvKvi kZKiv 25 fv‡Mi AwaK A_ev 20,000.00 (Kzwo nvRvi) UvKvi E‡×© †Kvb As‡Ki UvKv †Kvb mßv‡n DVv‡Z n‡j wjwLZfv‡e XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-†K 02 (`yB) w`b Av‡M AeMZ Kiv‡Z n‡e|
12| (K) †Kvb mÂqx wnmveavix Zvi wnmve n‡Z hw` mßv‡n GKev‡ii AwaK UvKv DVvb A_ev cÖwZ mßv‡n Rgv UvKvi kZKiv 25 fv‡Mi AwaK wKsev 20,000.00 (Kzwo nvRvi) UvKvi AwaK weÁwß QvovB DVvb, Zvn‡j D³ wnmv‡ei H gv‡mi Rb¨ †Kvb my` cÖ`vb Kiv n‡e bv|
(L) †Kvb mÂqx wnmveavix Zvi wnmve n‡Z hw` cÖwZ mßv‡n GKev‡ii AwaK A_ev RgvK…Z UvKvi kZKiv 25 fv‡Mi AwaK wKsev 20,000.00 (Kzwo nvRvi) UvKvi AwaK weÁwß QvovB DVvb, Zvn‡j XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW ¯^xq ¶gZve‡j mÂqx wnmve n‡Z PjwZ wnmv‡ei Abyiƒc nv‡i Ômvwf©m PvR©Õ Av`vq Ki‡Z cv‡i| G Ômvwf©m PvR©Õ (12K)†Z DwjøwLZ my` iwnZKi‡Yi ci AwZwi³ e¨e¯’v wnmv‡e MY¨ n‡e|
(M) mÂqx wnmv‡ei wbqgvejx‡Z hv-B _vKzK bv †Kb, †Kvb m`m¨ Zvi wbR¯^ †µwWU ev Ab¨ †Kvb cÖK‡í FY †Ljvcx _vK‡j, Zv wbqwgZ bv nIqv ch©šÍ Zvi wbR¯^ mÂqx wnmve †_‡K UvKv D‡Ëvjb Ki‡Z cvi‡eb bv|
my` cÖ`vb t
13| e¨e¯’vcbv KwgwU KZ…©K wba©vwiZ mÂqx wnmv‡ei my‡`i nvi Abyhvqx (hv †`‡ki Avw_©K †cÖÿvcU Abyhvqx cwieZ©bkxj) cÖwZ gv‡mi 1 ZvwiL n‡Z 8 ZvwiL ch©šÍ Mw”QZ me©wbgœ bM` Rgvi Dci erm‡i `yBevi A_©vr Ryb I wW‡m¤^i gv‡m mij my` cÖ`vb Kiv n‡e wKš‘ D‡ËvjbK…Z UvKvi Dci my` cÖ`vb Kiv nq bv| my‡`i UvKv bM‡` cÖ`vb bv K‡i mÂqx wnmv‡ei eivei Rgvi N‡i ¯’vbvšÍi Kiv n‡e|
14| UvKv DVvevi Rb¨ weÁwß †`qv n‡qwQj wKš‘ weÁw߇Z cÖ`Ë mgq mxgvi g‡a¨ UvKv DVv‡bv nqwb, †m-†¶‡Î ÔweÁwßi UvKv †Zvjvi cÖ‡qvRb bvBÕÑ GB g‡g© XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-†K h_vmg‡q AeMZ Kiv‡bv bv n‡j, weÁw߇Z DwjøwLZ UvKvi Dci †Kvb my` cÖ`vb Kiv n‡e bv|
15| wnmve n‡Z lvb¥vwmK my‡`i cwigvY 1.00 (GK) UvKvi Kg n‡j, †m my` mswkøó wnmv‡e Rgv n‡e bv|
wnmve eÜ t
16| wnmve †Lvjvi 6 (Qq) gv‡mi g‡a¨ hw` †Kvb wnmveavix (GKvD›U †nvìvi) KZ…©K wnmve eÜ Kiv nq, Zvn‡j XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW Abyש 200.00 (`yBkZ) UvKv Ômvwf©m PvR©Õ wnmv‡e Av`vq Ki‡Z cvi‡e|
17| †Kvb KviY bv †`wL‡q †Kvb wnmve MÖnY bv Kivi ev eÜ Kivi AwaKvi XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi i‡q‡Q|
bgybv ¯^v¶i t
18| cÖ‡Z¨K mÂqx wnmveavix Zvi bgybv ¯^v¶i/wUc mwn XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi Awd‡m msi¶‡Yi D‡Ï‡k¨ h_vwewnZfv‡e cÖ`vb Ki‡eb Ges hveZxq †PK, UvKv †Zvjvi w¯øc Ges XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi Kv‡Q wjwLZ cÎvw`‡Z Aek¨B we‡kl mZK©Zvi m‡½ D³ bgybv ¯^v¶i/wUc mwn Abyiƒc ¯^v¶i e¨envi Ki‡Z n‡e|
cvkeB t
19| cÖ‡Z¨K mÂqx wnmveavix‡K wnmve ivLvi Rb¨ cvkeB cÖ`vb Kiv n‡e| mswkøó mÂqx wnmve msµvšÍ mKj cÖKvi †jb‡`b wjwce× Kivi D‡Ï‡k¨ cÖwZ †jb‡`‡bi mgq XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW Awd‡m cvkeB `vwLj Ki‡Z n‡e| cvkeB‡q †Kvb Rgv †`Lv‡bv bv n‡j, Zvi Rb¨ XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW `vqx n‡e bv| cvkeB erm‡i `yBevi (Rvbyqvix I RyjvB gv‡m) XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW Awd‡m wnmve †PwKs-Gi Rb¨ `vwLj Ki‡Z n‡e|
20| cvkeB nviv‡j ev bó n‡q †M‡j, Wzwcø‡KU cvkeB mieivn Kivi Rb¨ mÂqx wnmveavix‡K 50.00 (cÂvk) UvKv wnmv‡e gvïj cÖ`vb Ki‡Z n‡e|
21| (K) Dc‡i DwjøwLZ wbqgvejx cwieZ©b/cwiea©b/ms‡hvRb/we‡qvRb Kivi AwaKvi XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi i‡q‡Q|
(L) GB wbqgvejxi e¨vL¨v XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW KZ…©K cÖ`Ë e¨vL¨vB me©‡¶‡Î P‚ovšÍ e‡j MY¨ n‡e|
(M) †h-mKj welq GB wbqgvejxi g‡a¨ D‡jøL bvB, †m-mKj wel‡q XvKv Lªxwóqvb eûgyLx mgevq mwgwZ wjwg‡UW-Gi wm×všÍB P~ovšÍ e‡j MY¨ n‡e|