evsjv‡`k e¨vsK

(‡m›Uªvj e¨vsK Ae evsjv‡`k) GmGgB GÛ ‡¯úkvj ‡cÖvMÖvgm& wWcvU©‡g›U

cÖavb Kvh©vjq
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evsjv‡`k|
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‣PÎ 15, 1427

GmGgBGmwcwW mvKz©jvi bs-04 ZvwiLt -------------------
gvP© 29, 2021
e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v
evsjv‡`‡k Kvh©iZ mKj Zdwmwj e¨vsK|

wcÖq g‡nv`q,

evsjv‡`k e¨vsK KZ©„K Ô÷vU©-Avc dvÛÕ bv‡g 500 (cuvPkZ) †KvwU UvKvi cybtA_©vqb
Znwej Ges Zdwmwj e¨vsKmg~n KZ©„K wbR¯^ Ô÷vU©-Avc dvÛÕ MVb cÖm‡½|

'÷vU©-Avc' D‡`¨v³v‡`i D‡`¨vM/cÖK‡íi AbyK~‡j e¨vsK FY/wewb‡qvM mnRjf¨ n‡j A‡bK m¤¢vebvgq '÷vU©-Avc' D‡`¨vM‡K
GwM‡q †bqv m¤¢e n‡e| we‡k¦i A‡bK †`‡kB Ô÷vU©-AvcÕ D‡`¨vM h_vh_ c„ô‡cvlKZvq mdj cÖwZôvb wn‡m‡e Avwef©~Z n‡q‡Q|
evsjv‡`‡kI m¤¢vebvgq '÷vU©-Avc' D‡`¨vM c„ô‡cvlKZv †c‡j Kg©ms¯’vbmn †`‡ki A_©bxwZi AMÖMwZ‡Z D‡jøL‡hvM¨ Ae`vb
ivL‡e g‡g© Avkv Kiv hvq| mnRjf¨ e¨vsK FY/wewb‡qvM cÖ`v‡bi gva¨‡g bZzb D‡`¨v³v ‣Zix Ges ¯^-Kg©ms¯’vb DrmvwnZ Kiv
Avek¨K we‡ePbvq wb¤œewY©Z `ywU Ô÷vU©-Avc dvÛÕ MVb Kivi wm×všÍ MÖnY Kiv n‡q‡Qt
(K) evsjv‡`k e¨vsK KZ„©K Ô÷vU©-Avc dvÛÕ bv‡g 500 (cuvPkZ) †KvwU UvKvi cybtA_©vqb Znwej MVb;
(L) Zdwmwj e¨vsKmg~n KZ©„K Zv‡`i evrmwiK cwiPvjb gybvdv n‡Z 1% A_© ¯’vbvšÍic~e©K wbR¯^ Ô÷vU©-Avc dvÛÕ MVb|

evsjv‡`k e¨vsK KZ©„K MwVZ Ô÷vU©-AvcÕ cybtA_©vqb Znwej Ges e¨vsKmg~n KZ©„K MwVZe¨ wbR¯^ Ô÷vU©-Avc dvÛÕ msµvšÍ
we¯ÍvwiZ bxwZgvjv wb¤œiƒct

(K) evsjv‡`k e¨vsK KZ©„K cÖ¯vÍ weZ Ô÷vU©-AvcÕ cybtA_©vqb Znwej msµvšÍ bxwZgvjv t
(1) cybtA_©vqb Znwe‡ji cwigvYt †gvU 500 (cuvPkZ) ‡KvwU UvKv| Z‡e, fwel¨‡Z cÖ‡qvRbxqZvi wbix‡L G Znwe‡ji cwigvY
e„w× Kiv n‡e|
(2) cybtA_©vqb Znwe‡ji ‡gqv` t G Znwe‡ji ‡gqv` n‡e 05 (cuvP) eQi hv AveZ©b‡hvM¨ (revolving)|
(3) LvZt G bxwZgvjvi AvIZvq '÷vU©-Avc' ej‡Z evRviRvZKi‡Yi j‡¶¨ bZzb cY¨/‡mev/cÖwµqv/cÖhyw³ Gi D™¢veb
(innovation) I AMÖMwZ (development) †K eySv‡e| GB cÖhyw³MZ D™¢vweZ mgvavb¸‡jv we¯Í…wZ‡hvM¨ (Scalable),
e¨emvwqKfv‡e †UKmB, evwYwR¨Kfv‡e mdj wewb‡qvMKvix‡`i wewb‡qv‡Mi Dci AbycvZnxb Avq (Disproportionate
Return on Investment) m„wó K‡i, hv mdj n‡j †`‡ki Af¨šÍ‡i Kg©ms¯’vb m„wó n‡e Ges Af¨šÍixY m¤ú` e„w× cv‡e|
(4) AskMÖnYKvix e¨vsK t mKj Zdwmwj e¨vsK G Znwej n‡Z cybtA_©vqb myweav MÖn‡Yi †hvM¨ e‡j we‡ewPZ n‡e| cybtA_©vqb
MÖn‡Y AvMÖnx e¨vsK‡K GmGgB GÛ †¯úkvj †cÖvMÖvgm& wWcvU©‡g›U, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv Gi mv‡_ AskMÖnY Pzw³
(Participation Agreement) m¤úv`b Ki‡Z n‡e|
Pjgvb cvZv-2
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(5) MÖvnK ch©v‡q FY/wewb‡qvM cÖvwßi ‡hvM¨Zv t

(i) D‡`¨v³vi cÖ¯vÍ weZ D‡`¨vM m¤ú~Y© bZzb I m„Rbkxj n‡Z n‡e;
(ii) Av‡e`bKvix bZyb D‡`¨v³v‡K miKvwi wKsev h_vh_ KZ©„cÿ KZ©„K Aby‡gvw`Z †emiKvwi D‡`¨v³v Dbœqb cÖwZôvb n‡Z
D‡`¨v³v Dbœqb, e¨emv cwiPvjbv, evRviRvZKiY BZ¨vw` wel‡q A_ev Ab¨vb¨ KvwiMwi welq (cY¨ Drcv`b, cÖwµqvRvZKiY,
hš¿cvwZ †givgZ BZ¨vw`)-G mvdj¨RbKfv‡e cÖwkÿY MÖn‡Yi mvwU©wd‡KU _vK‡Z n‡e| cÖvwZôvwbK KvwiMwi wkÿv bv _vK‡j
D‡`¨v³vi mswkøó wel‡q h_vh_ ev¯Íe wfwËK Ávb, AwfÁZv I bZzb D‡`¨vM cwiPvjbvi mÿgZv _vK‡Z n‡e;
(iii) cÖ¯Íve `vwL‡ji mg‡q D‡`¨v³vi eqm Kgc‡ÿ 21 n‡Z m‡e©v”P 45 eQi n‡Z n‡e;
(iv) cÖ¯vÍ weZ D‡`¨vM/cÖK‡í mve©ÿwYK wb‡qvwRZ _vK‡Z n‡e; Ges
(v) wmAvBwe wi‡cvU© Abyhvqx AvMÖnx D‡`¨v³vMY †Kvb e¨vsK/Avw_©K cÖwZôv‡bi wbKU FY †Ljvwc wn‡m‡e MY¨ n‡eb bv|
(6) MÖvnK ch©v‡q FY/wewb‡qv‡Mi ‡gqv` t MÖvnK ch©v‡q F‡Yi †gqv` n‡e m‡e©v”P 05 (cuvP) eQi| e¨vsKvi-MÖvnK m¤úK© Ges
Ô÷vU©-Avc D‡`¨vMÕ Gi aib we‡ePbvq †MÖm wcwiqW wba©viY Kiv hv‡e; Z‡e, Zv 01 (GK) eQ‡ii †ekx n‡e bv| FY/wewb‡qvM
cwi‡kv‡ai j‡ÿ¨ ‣ÎgvwmK/lvb¥vwmK wfwˇZ wKw¯Í wba©viY Kiv hv‡e|
(7) e¨vsK ch©v‡q cybtA_©vq‡bi my`/gybvdv nvi t
(i) evsjv‡`k e¨vsK KZ©…K AskMÖnYKvix e¨vsKmg~n‡K cÖ`Ë cybtA_©vq‡bi Dci 0.50% nv‡i my`/gybvdv cÖ‡hvR¨ n‡e;
(ii) G Znwe‡ji AvIZvq e¨vsK KZ©„K cÖ`Ë cybtA_©vq‡bi A_© ev Gi †Kvb Ask mبenvi nqwb g‡g© cÖZxqgvb n‡j evsjv‡`k
e¨vsK KZ…©K †m cwigvY A‡_©i Dci mswkøó e¨vs‡Ki wbKU n‡Z AwZwi³ 2% nv‡i my`mn GKKvjxb Av`vq Kiv n‡e|
(8) MÖvnK ch©v‡q FY/wewb‡qv‡Mi my`/gybvdv nvi t MÖvnK ch©v‡q FY/wewb‡qv‡Mi evrmwiK mij my`/gybvdv nvi n‡e m‡e©v”P 4%
(0.50%+3.50%) |
(9) MÖvnK ch©v‡q FY/wewb‡qvM mxgv t
(i) MÖvnK wfwËK FY/wewb‡qv‡Mi cwigvY n‡e m‡e©v”P 1(GK) †KvwU UvKv| Aby‡gvw`Z FY/wewb‡qvM GKKvjxb weZiY Kiv hv‡e
bv| cÖK‡íi AMÖMwZ ch©v‡jvPbv‡šÍ FY/wewb‡qv‡Mi mبenvi wbwðZ n‡q b~¨bZg 03 (wZb) wKw¯Í‡Z weZiY Ki‡Z n‡e;
(ii) GKB MÖvnK GKvwaK cÖKí ev GKvwaK e¨vsK n‡Z FY/wewb‡qvM cÖvwßi Rb¨ †hvM¨ e‡j we‡ewPZ n‡eb bv|
(iii) GKRb MÖvnK‡K G Znwej n‡Z GKeviB FY/wewb‡qvM cÖ`vb Kiv hv‡e| Z‡e, cÖK‡íi m¤¢vebv we‡ePbvq we`¨gvb
FY/wewb‡qv‡Mi cwigvY 9(i) G ewY©Z cwigv‡Yi †P‡q Kg n‡j e¨vsK KZ…©K cÖKí m‡iRwg‡b cwi`k©b K‡i FY/wewb‡qv‡Mi
Pvwn`vi wel‡q wbwðZ n‡q Zv e„w× Kiv hv‡e| Z‡e, Zv †Kvb fv‡eB 1(GK) †KvwU UvKvi AwaK n‡e bv|

(10) RvgvbZt FY/wewb‡qv‡Mi †ÿ‡Î e¨w³MZ M¨vivw›U A_ev wkÿvMZ †hvM¨Zvi mb` A_ev KvwiMix cÖwkÿ‡Yi mb` †K
RvgvbZ wn‡m‡e we‡ePbv Kiv hv‡e|
(i) e¨w³MZ M¨vivw›U t e¨w³MZ M¨vivw›U ej‡Z FY`vbKvix cÖwZôvb I FYMÖnxZvi g‡a¨ m¤úvw`Z Pzw³i AvIZvq M„nxZ F‡Yi
Av`vq myi¶vi j‡¶¨ Dfq c‡¶i wbKU MÖnY‡hvM¨ †Kvb e¨w³i A½xKvibvgv‡K eySv‡e| Z‡e, `yÕR‡bi AwaK e¨w³MZ
M¨vivw›U‡K eva¨Zvg~jK Kiv hv‡e bv|
(ii) wWMÖxavix D‡`¨v³v‡`i †ÿ‡Î Zv‡`i wkÿvMZ ‡hvM¨Zvi g~j mb` A_ev KvwiMix cÖwkÿ‡Yi g~j mb` RvgvbZ wn‡m‡e
e¨vs‡K Rgv ivL‡Z n‡e|
(11) cwi‡kva c×wZ t
(i) FY cÖ`v‡bi †ÿ‡Î e¨vsK KZ…©K †MÖm wcwiqW cÖ`vb Kiv n‡j cybtA_©vqb myweav cÖ`v‡bi †ÿ‡ÎI †MÖm wcwiqW cÖ`vb Kiv
n‡e| evsjv‡`k e¨vsK KZ©„K cybtA_©vqbK…Z A_© †MÖm wcwiqW †k‡l •ÎgvwmK/lvb¥vwmK wKw¯Í‡Z Av`vq Kiv n‡e; hv cwi‡kvam~Px
Abyhvqx wba©vwiZ Zvwi‡L my`/gybvdvmn evsjv‡`k e¨vs‡K iwÿZ mswkøó e¨vs‡Ki PjwZ wnmve n‡Z Av`vq Kiv n‡e;
Pjgvb cvZv-3
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(ii) MÖvnK ch©v‡q weZiYK…Z FY/wewb‡qvM Av`v‡qi mKj `vq-`vwqZ¡ mswkøó e¨vs‡Ki Dci b¨¯Í _vK‡e|
(12) FY/wewb‡qvM Aby‡gv`b cÖwµqvt
(i) G Znwe‡ji AvIZvq FY/wewb‡qvM MÖn‡Yi j‡ÿ¨ Dchy³/†hvM¨ e¨w³ e¨vs‡K Av‡e`b Kivi ci e¨vsK cÖ¯vÍ weZ cÖKí h_vh_
cÖwµqvq g~j¨vq‡bi gva¨‡g cÖKíwU D”P m¤¢vebvgq, gvSvwi m¤¢vebvgq ev Kg m¤¢vebvgq wKbv Zv wba©viY Ki‡e;
(ii) FY/wewb‡qvM cÖ¯vÍ e g~j¨vqb Kivi ci e¨vsK mswkøó cÖK‡í FY cÖ`vb Ki‡e wKbv †m wel‡q wm×všÍ MÖnY Ki‡e;
(iii) FY/wewb‡qvM cÖ¯vÍ e e¨vs‡Ki wbR¯^ FY bxwZgvjv Abyhvqx Aby‡gvw`Z n‡e;
(iv) FY cÖvwßi D‡Ï‡k¨ e¨vs‡Ki wbKU ÷vU©-Avc D‡`¨v‡Mi AvBwWqv †kqvi Kiv n‡j A_©vqb Kiv ‡nvK ev bv †nvK Zv †Kvb
fv‡eB wWm‡K¬vR bv Kivi wel‡q A½xKvive× _vK‡Z n‡e|
(13) wi‡cvwU©s I gwbUwis t
(i) AÎ wefvM KZ…©K wba©vwiZ QK Abyhvqx AskMÖnYKvix e¨vsKmg~n‡K lvb¥vwmK wfwˇZ (Ryb I wW‡m¤^i) Znwe‡ji w¯’wZ
wbwðZKiY mb` (Balance Confirmation Certificate) `vwLj Ki‡Z n‡e;

(ii) FY/wewb‡qv‡Mi mبenvi wbwðZK‡í mswkøó e¨vs‡Ki wbR¯^ mywbw`©ó Kg©cwiKíbv Ges gwbUwis c×wZ _vK‡Z n‡e|
evsjv‡`k e¨vsK mgq mgq m‡iRwg‡b cwi`k©b Ges Z_¨vw` hvPvB‡qi gva¨‡g FY/wewb‡qv‡Mi mبenvi g~j¨vqb Ki‡e;
(iii) mvgwMÖKfv‡e †`‡ki Av_©-mvgvwRK Dbœq‡b '÷vU©-Avc' D‡`¨vM Gi AbyK~‡j cÖ`Ë FY/wewb‡qv‡Mi ¸iæZ¡ we‡ePbvq Zv hv‡Z
mdj nq †m j‡ÿ¨ e¨vsK mvwe©K mn‡hvwMZv cÖ`vb Ki‡e|
(14) Znwej e¨e¯’vcbv t G Znwe‡ji mvgwMÖK Z`viwK/cwiPvjbv/e¨e¯’vcbvi KvR G wefvM KZ©…K m¤úvw`Z n‡e Ges G j‡ÿ¨
mg‡q mg‡q cÖ‡qvRbxq kZ©/wewa Abymi‡Yi wb‡`©kbv cÖ`vb Ki‡e|
(15) Ab¨vb¨ kZ©vw` t
(i) MÖvnK h_vmg‡q FY/wewb‡qvM cwi‡kv‡a e¨_© n‡j Zv we`¨gvb bxwZgvjvi AvIZvq †kÖwYKiY Ki‡Z n‡e| Z‡e, mswkøó e¨vsK
mve-÷¨vÛvW© gv‡b †kÖwYK…Z FY/wewb‡qv‡Mi wecix‡Z 5%, m‡›`nRbK gv‡b †kÖwYK…Z FY/wewb‡qv‡Mi wecix‡Z 20% I
g›`/ÿwZRbK gv‡b †kÖwYK…Z FY/wewb‡qv‡Mi wecix‡Z 30% cÖwfkb msi¶Y Ki‡e;
(ii) G cybtA_©vqb Znwe‡ji AvIZvq MÖvnK chv©‡q FY/wewb‡qvM cÖ`v‡bi †ÿ‡Î ewY©Z kZ©vw` cwicvjbmn Ab¨vb¨ welqvw`
†hgb-Av‡e`bcÎ MÖnY I cÖwµqvKi‡Yi mgqKvj, FY/wewb‡qvM weZiY, F‡Yi mبenvi, Z`viwK I Av`vq cÖwµqvi †ÿ‡Î
we`¨gvb bxwZgvjv Abym„Z n‡e;
(iii) G Znwe‡ji AvIZvq cÖ‡Z¨K e¨vsK KZ…©K cÖ‡`q FY/wewb‡qv‡Mi g‡a¨ b~¨bZg 10 (`k) kZvsk bvix D‡`¨v³v‡`i AbyK‚‡j
weZiY Ki‡Z n‡e;
(iv) evsjv‡`k e¨vs‡Ki Pvwn`vi ‡cÖwÿ‡Z e¨vsK cÖ‡qvRbxq Z_¨, KvMRcÎ Ges `wjjvw`i Kwc evsjv‡`k e¨vsK‡K mieivn
Ki‡Z eva¨ _vK‡e;
(v) cybtA_©vqb msµvšÍ Ab¨vb¨ cÖ‡qvRbxq wb‡`©kbv cieZ©x‡Z mvK©yjvi †jUvi AvKv‡i Rvwi Kiv n‡e|

(L) Zdwmwj e¨vsKmg~n KZ©„K Ô÷vU©-Avc dvÛÕ MVb msµvšÍ bxwZgvjv t

(1) e¨vsKmg~n 2021 mvj n‡Z cieZ©x 05(cuvP) eQi mg‡q cÖwZ eQi Zv‡`i cwiPvjb gybvdv (wbixwÿZ Avw_©K weeiYx
Abyhvqx) n‡Z 1% nv‡i A_© '÷vU©-Avc' D‡`¨v³v‡`i AbyK~‡j weZi‡Yi j‡ÿ¨ Znwej wn‡m‡e msiÿY Ki‡e| 2020 mv‡ji
wW‡m¤^i wfwËK evrmwiK wnmve P~ovšÍKv‡j cwiPvjb gybvdv n‡Z eva¨Zvg~jKfv‡e D³ 1% Znwej ¯’vbvšÍi ïiæ Ki‡Z n‡e;
(2) e¨vsKmg~‡ni wbR¯^ Ô÷vU©-Avc dvÛÕ n‡Z '÷vU©-Avc' D‡`¨v³v‡`i AbyK~‡j FY/wewb‡qvM weZi‡Yi j‡ÿ¨ evsjv‡`k e¨vsK
KZ©„K MwVZ DwjøwLZ Ô÷vU©-Avc dvÛÕ cybtA_©vqb Znwej bxwZgvjvi mv‡_ msMwZc~Y© GKwU mywbw`©ó bxwZgvjv cÖYqb Ki‡Z n‡e
hv mswkøó e¨vs‡Ki cwiPvjbv cl©` KZ©„K Aby‡gvw`Z n‡Z n‡e;
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(3) Aby‡”Q` bs-L(1) G ewY©Z c×wZ‡Z e¨vsK KZ©„K m„ó dvÛ n‡Z Ô÷vU©-Avc' D‡`¨v³v‡`i AbyK~‡j cÖ‡`q FY/ wewb‡qv‡Mi
Dci evrmwiK mij my`/gybvdv nvi n‡e m‡e©v”P 4%;
(4) Ô÷vU©-Avc dvÛÕ bv‡g GKwU bZzb wnmve/LvZ m„wó KiZt DØ„Ëc‡Î Ab¨vb¨ `vq Gi AvIZvq cÖ`k©b Ki‡Z n‡e;

(5) 2021 mv‡ji wW‡m¤^i ch©šÍ e¨vsKmg~n ¯^-¯^ Ô÷vU©-Avc dvÛÕ n‡Z FY/wewb‡qvM weZi‡Yi cvkvcvwk evsjv‡`k e¨vs‡Ki
cybtA_©vqb Znwej Gi AvIZvq FY/wewb‡qvM cÖ`vb Ki‡Z cvi‡e| Z‡e, 2022 mv‡ji Rvbyqvwi n‡Z ¯^-¯^ e¨vs‡Ki Ô÷vU©-Avc
dvÛÕ G iwÿZ w¯’wZ n‡Z FY/wewb‡qvM cÖ`vb Kivi ci evsjv‡`k e¨vs‡Ki cybtA_©vqb myweavi AvIZvq FY cÖ`vb Kiv hv‡e;
(6) G Znwe‡ji AvIZvq cÖ‡Z¨K e¨vsK KZ…©K cÖ‡`q FY/wewb‡qv‡Mi g‡a¨ b~¨bZg 10 (`k) kZvsk bvix D‡`¨v³v‡`i AbyK‚‡j
weZiY Ki‡Z n‡e|

(M) Ô÷vU©-Avc dvÛÕ msµvšÍ DwjøwLZ bxwZgvjvq evsjv‡`k e¨vsK mg‡q mg‡q cÖ‡qvRbxq ms‡kvabx Avbqb Ki‡Z cvi‡e|

e¨vsK †Kv¤úvbx AvBb, 1991 Gi 45 avivq cÖ`Ë ÿgZve‡j G wb‡`©kbv Rvwi Kiv n‡jv |

G wb‡`©kbv Awej‡¤^ Kvh©Ki n‡e|

Avcbv‡`i wek¦¯Í,

(ûm‡b Aviv wkLv)

gnve¨e¯’vcK
‡dvbt 9530502