BDwbU Awd‡m wnmve cÎ

msi¶‡Yi c×wZ

Presented by
Md. Ruhul Quddus
Executive Director
Rural Services Foundation
BDwbU Awd‡m wnmve cÎ
BDwbU
msi¶‡Yi
ch©v‡q
c×wZ
wnmve wefv‡Mi AvIZvfy³
welqmg~n
 ‡mvjvi wm‡÷‡gi gvjvgvj weµq, wKw¯— Av`vq I Zvi wnmve msi¶Y|
 e¨vsK wnmve cwiPvjbv|
 LyPiv gvjvgvj weµq I Zvi wnmve msi¶Y |
 c¨v‡bj, e¨vUvwi, PvR© K‡›Uªvjvi mn mKj gvjvgv‡ji wecYb I gRy` (óK
†iwRóvi) wnmve|
 BDwbU ch©v‡q gvwmK Li‡Pi wnmve (LyPiv LiP)|
 weµq, wm‡÷g †diZ I †nW Awd‡m ev Ab¨ BDwb‡U ¯’vbvš—i Kivi Rb¨
h_vh_ Bb‡f›Uwi msi¶Y|
 gvwmK weµq, wKw¯— Av`v‡qi Z_¨, e¨vs‡K Rgvi Z_¨ I Ab¨vb¨ gvwmK Z_¨
cÖ`vb|
 ‡gqv` DËxY© I Abv`vqx MÖvn‡Ki ZvwjKv Ẑwi|
 wm‡÷g ‡diZ Gi mwVK wnmve msi¶Y|
 cyivZb wm‡÷g cyYivq weµq Ki‡j Zvi mwVK wnmve msi¶Y |
 BDwb‡Ui Rb¨ AwMÖg cÖ`vb I mgš^q mvab|
 ¯’vqx m¤cwËi wnmve|
 nvwRiv LvZv I gyf‡g›U †iwRóvi msi¶Y|
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
K¨vk †g‡gvi e¨envi
 cÖ‡Z¨K BDwb‡U K¨vk †g‡gv Bmy¨ †iwRóvi bv‡g †QvU GKwU ‡iwRóvi
msiw¶Z _vK‡e
 K¨vk †g‡gv Aek¨B BDwbU g¨v‡bRv‡ii †ndvR‡Z iw¶Z _vK‡e Ges cÖ‡qvRb
Abyhvqx mnKg©x‡`i g‡a¨ Bmy¨ Ki‡eb
 K¨vk †g‡gvi cÖwZwU cvZv wVK Av‡Q wKbv Zv MÖn‡Yi mgq mswkó
Kg©KZ©v/Kg©Pvwi cix¶v K‡i wb‡eb
 K¨vk †g‡gv Bmy¨ Kivi mgq Aek¨B bvg c`wemn MÖnYKvixi ¯^v¶i K¨vk
‡g‡gv Bmy¨ †iwRóv‡i msi¶Y Ki‡Z n‡e
 cÖwZw`b Av`vqK…Z UvKv Awd‡m Rgv †`qvi mgq MÖnYKvix Aek¨B D³
Zvwi‡L Bmy¨K…Z K¨vk †g‡gvi †hvMdj †`‡L wb‡eb
 GKB mv‡_ K¨vk †g‡gvi ZvwiL Ges K¨vk †g‡gvi wmwiqvj b¤^i Abyhvqx
K¨vk
‡g‡gv KvUv †g‡gv
n‡q‡Q wKbvBmy¨ †iwRóv‡ii
ZvI wbwðZ n‡eb bgybv QK
Kg©KZ©v/Kg©Pvi K¨vk †g‡gv eB ch©š ‡gvU MªnYKvixi
ZvwiL †_‡K
xi bvg bs — c„ôv ¯^v¶i
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
 BDwbU Awd‡m wnmve cÎ
MÖvnK †jRvi msi¶‡Yi
msi¶Y c×wZ
 ‡mvjvi wm‡÷g Gi Rb¨ †jRv‡i cÖ‡Z¨K BDwb‡U MÖvn‡Ki µgvbyhvqx MÖvnK
†jRvi msiw¶Z _vK‡e

 D³ MÖvnK ‡jRv‡i MÖvn‡Ki bvg wVKvbvmn weµqK…Z wm‡÷g Gi weeiY

†hgb - wm‡÷‡gi ¶gZv, wm‡÷‡gi g~j¨, mvwf©m PvR©, evwZ I Avbymw½K
myweavi cwigvY, µ‡qi ZvwiL, m¤c~Y© g~j¨ cwi‡kv‡ai mgqmxgv/ ZvwiL,
c¨v‡bj I e¨vUvwii wmwiqvj b¤^i, MÖvnK KZ…©K cÖ`Ë UvKv I Aewkó UvKvi
cwigvY D‡jL _vK‡Z n‡e hv‡Z K‡i MÖvnK m¤c‡K© AeMZ nIqv hvq

 cÖwZw`‡bi Av`vqK…Z WvDb †c‡g›U , wKw¯— I mvwf©m PvR© ewY©Z

MÖvnK †jRv‡i ¯^-¯^ MÖvn‡Ki wnmv‡e Aek¨B Rgv Ki‡Z n‡e| MÖvnK †jRv‡i
†cvwós Gi mgq Aek¨B K¨vk †g‡gvi b¤^i D‡jL Ki‡Z n‡e

 ‡Kvb Ae¯’v‡ZB GKw`b Av`vqK…Z UvKvi †cvwós c‡ii w`‡bi Rb¨ †d‡j ivLv hv‡e
bv| MÖvnK †jRv‡i †cvwós I †hvM-we‡qvM Kivi †¶‡Î Aek¨B mveavbZv
Aej¤^b Ki‡Z n‡e, hv‡Z fyj-åvwš— RwbZ KvUv-KvwU Gov‡bv hvq| GQvovI
MÖvnK †jRv‡i AcÖvmw½K ‡jLv I Nlv-gvRv Ges d¬zB‡Wi e¨envi Aek¨B
cwinvi Ki‡Z n‡e hv‡Z †jRv‡ii cwiP”QbœZv eRvq _v‡K
 BDwbU Awd‡m wnmve cÎ
MÖvnK bs t ---------------------------------
-------------
c¨v‡KR g~j¨ t -------------------

MÖvn‡Ki bvg t ------------------------------ mvwf©m PvR© t -----------

wcZvi bvg msi¶‡Yi c×wZ

----------------------
t ------------------------------- mvwf©m PvR©mn †gvU g~j¨
t --------------------
wVKvbv t MÖvg t ----------- WvKNi t -------------- WvDb †c‡g›Ut -------
----------------------
Dc‡Rjv t ----------- †Rjv t ---------------- WvDb †c‡g›U MÖn‡Yi ZvwiLt -
-----------------
wm‡÷g ¯’vc‡bi ZvwiL t ---------------------------- wWwc MÖn‡Yi K¨vk †g‡gv bs
t-----------------
wm‡÷g ¶gZvt ---------------------------- Aewkó UvKvi cwigvb (mvt
PvR©mn)t -----------
wKw¯—i msL¨v t ---------------------------- gvwmK wKw¯—i cwigvbAvmj -
-----mvt PvR©------ Av`vq
wKw¯— cwi‡kv‡ai †kl ZvwiL t ------------------------
gvwmK wKw¯— Av`vq
weeiYx ‡gvU wKw¯— Av`vq Aewkó UvKvi cwigvb Av`vqKvixi
m^v¶i
g¨v‡bRv†ii
m^v¶i
wKw¯— mvwf©m ‡gvU wKw¯— mvwf ‡gvU wKw¯— mvwf© ‡gvU
wKw¯— K¨vk
ZvwiL PvR© ©m m PvR©
bs †g‡gv bs
PvR©
 BDwbU Awd‡m wnmve cÎ
bM` A‡_©i msi¶‡Yi c×wZ
 †jb‡`b
cÖwZw`b MÖvnK †_‡K Av`vqK…Z UvKv H w`bB e¨vs‡K Rgv w`‡Z n‡e

 e¨vs‡K Rgv †`qvi ci wW‡cvwRU wkc Abyhvqx mgcwigvY UvKv e¨vsK ewn‡Z
Zvr¶wYK fv‡e Rgv ‡`Lv‡Z n‡e Ges K¨vk ewn n‡Z ev` w`‡Z n‡e

 gv‡mi †kl w`b MÖvnK n‡Z Av`vqK…Z UvKv mswkó gv‡mi g‡a¨ e¨vs‡K Rgv w`‡Z bv
cvi‡j H gv‡mi nv‡Z bM`K…Z UvKv cieZ©x e¨vsK †Lvjvi w`b Rgv w`‡q gvwmK KvMR
c‡Îi mv‡_ cÖ`Ë e¨vsK †óU‡g‡›Ui g‡a¨ †`Lv‡Z n‡e|
 cÖavb Kvhv©j‡qi Aby‡gv`b Qvov BDwbU Awd‡mi K¨vk n‡Z †Kvb AwMÖg †`qv/
†bqv hv‡e bv ev Ab¨ †Kvb Awd‡m ¯’vbvš—i Kiv hv‡e bv

 óªvKPvi ‰Zwi, evwo fvov BZ¨vw` BDwb‡Ui Avbymw½K Li‡Pi Rb¨ UvKv K¨vk eyK
n‡Z LyPiv Li‡Pi ewn‡Z cÖ‡qvRb Abyhvqx ¯’vbvš—i K‡i LyPiv Li‡Pi eB‡qi gva¨‡g
hveZxq e¨q m¤cv`b Ki‡Z n‡e

 cÖ‡Z¨K gv‡mi †k‡l e¨vs‡K Rgv Ges BDwb‡Ui e¨q wbe©v‡ni ci Aewkó UvKv gv‡mi
cÖ_g Zvwi‡L/Kg© w`e‡m DwjwLZ cwigvY UvKv Avjv`v fv‡e Rgv w`‡Z n‡e| hv‡Z
K¨vk eyK Ges LyPiv bM`vb eB‡qi e¨v‡jÝ k~b¨ n‡q hvq|
 BDwbU Awd‡m wnmve cÎ
K¨vk eyK msi¶‡Yi c×wZ
 msi¶Y
cÖ‡Z¨K gv‡mi wnmve wjwce× Kivi ïi“‡ZB c~e©eZ©x gv‡mi nv‡Z bM` (hw`
_v‡K) wjwce× Ki‡Z n‡e (Opening Balance wnmv‡e Avb‡Z n‡e)
 cÖwZw`‡bi Av`vqK…Z UvKv K¨vk †g‡gvi µgvbyhvqx cÖwZw`bB K¨vk eB†Z
wjwce× Ki‡Z n‡e
 K¨vk ey‡K RgvK…Z UvKvi e¨v‡jÝ n‡Z e¨vs‡K Rgv Ki‡j Ges LyPiv Li‡Pi Rb¨
¯’vbvš—i Ki‡j Zv Aek¨B Zvr¶wYK fv‡e K¨vk eyK n‡Z ev` w`‡Z n‡e
 GK mv‡_ GKvwaK †g‡gv eB e¨envi Ki‡j cÖwZw`b mKj †g‡gv eB n‡Z
Av`vqK…Z UvKv H w`bB K¨vk ey‡K wjwce× Ki‡Z n‡e
 K¨vk ey‡Ki mv‡_ GKB eB‡q e¨vsK wnmve wKsev LyPiv LiP msµvš— †Kvb
†jb‡`b wjwce× Kiv hv‡e bv
 †Kvb Ae¯’v‡ZB K¨vk ey‡K KvUv-‡Quov I d¬zBW †`qv MÖnY‡hvM¨ bq|
wnmve wjwce× Kivi cÖ‡Z¨K ch©v‡q Aek¨B cwi”QbœZv eRvq _vK‡Z n‡e
 hw` †Kvb Kvi‡b K¨vk ey‡K wjL‡Z fyj n‡q hvq Zvn‡j GK Uv‡b †K‡U ¯^v¶i I
cÖwZ ¯^v¶i MªnY K‡i cieZx© jvB‡b wjL‡Z n‡e
 cÖ‡Z¨K gv‡mi †k‡l K¨vk ey‡K Rgvi N‡ii ‡hvMdj n‡Z H gv‡mi †gvU Av`v‡qi
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
K¨vk eyK Gi bgybv QK
Cash Ledger
K¨vk RgvKvixi
ZvwiL weeiY
†g‡gv bs
Rgv LiP Aewkó ¯^v¶i

01-06-08 KS/P- 01-Mr. X 0001/1 3,984 00 --- 3,984 00

KS/P- 02- Mr.- Y
02-06-08 0002/1 3,000 00 --- 6,984 00
†cwU K¨vk
02-06-08 984 00 6,000 00
¯’vbvš—i
02-06-08 e¨vs‡K Rgv ----- 6000 00 ---- 00
 BDwbU Awd‡m wnmve cÎ
e¨vsK ‡jRvi msi¶‡Yi c×wZ
 msi¶Y
cÖ‡Z¨K BDwbU Awd‡mi Av`vqK…Z UvKv e¨vs‡K Rgv †`qvi Rb¨ GKwU e¨vsK
wnmve _vK‡e| cÖwZ gv‡m Av`vqK…Z UvKv D³ e¨vsK wnmv‡e Rgv Ki‡Z n‡e
Ges Rgvi ZvwiL Abyhvqx e¨vsK †jRv‡i wjwce× Ki‡Z n‡e e¨vsK †jRvi GKwU
¯^Zš¿ wnmve eB hv K¨vk eyK n‡Z Aek¨B Avjv`v n‡Z n‡e
 GKB BDwb‡U GKvwaK e¨vsK wnmve cwiPvjbv Ki‡j Zvi Rb¨ Avjv`v wnmve
msi¶Y Ki‡Z n‡e Ges Avjv`v cvZv e¨envi Ki‡Z n‡e
 cÖwZ w`bB Rgv/Li‡Pi †jb-‡`b wjwce× Ki‡Z n‡e Ges Gi †hvMdj nvj bvMv` K‡i
ivL‡Z n‡e
 gv‡mi ‡k‡l e¨vsK †_‡K †óU‡g›U wb‡q e¨vsK †jRv‡ii mv‡_ wgwj‡q †`L‡Z n‡e
 e¨vsK †_‡K cÖavb Kvhv©j‡q wWwW/wUwU ‡cÖiY I Gi PvR© Ges gvwmK
†eZ‡bi GWfvBm †gvZv‡eK e¨vsK †_‡K ¯’vbvš—wiZ UvKvi Rb¨I e¨vsK †jRv‡i
†cvwós w`‡Z n‡e
 cÖwZevi e¨vs‡K UvKv Rgv †`qvi mgq wW‡cvwRU wk‡c mswkó e¨vs‡Ki mxj I
Kg©KZ©vi ¯^v¶i Av‡Q wKbv Zv cix¶v K‡i †`L‡Z n‡e
 gvwmK Li‡Pi fvDPv‡ii mv‡_ cÖwZ gv‡mi e¨vsK ‡óU‡g›U †nW Awd‡m cvVv‡Z
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
e¨vsK ‡jRvi Gi
bgybv QK
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
LyPiv bM`vb eB
msi¶Y
 BDwbU Awd‡mi hveZxq Li‡Pi wnmve msi¶‡Yi Rb¨ GKwU Avjv`v LyPiv
Li‡Pi eB (Petty Cash Book) msiw¶Z _vK‡e
 ‡h mKj BDwb‡U g¨v‡bRvi QvovI Ab¨ GK ev GKvwaK Dc-mnKvix
cÖ‡KŠkjx wbhy³ Av‡Qb †m mKj BDwb‡U 2q ¯^v¶iKvix BDwbU
g¨v‡bRv‡ii AbygwZ wb‡q LyPiv LiP wbe©vn Ki‡eb Ges Gi wnmve
msi¶Y Ki‡eb
 Li‡Pi cÖ‡qvRb Abymv‡i g~j K¨vk eyK n‡Z LyPiv bM`vb ewn‡Z UvKv
¯’vbvš—i K‡i Avb‡Z n‡e
 cÖ‡Z¨K Li‡Pi µgvbymv‡i ZvwiL Abyhvqx D³ LyPiv bM`vb ewn‡Z
wjwce× Ki‡Z n‡e
 ‰`bw›`b e¨q wbe©vn K‡i D³ bM`vb ewn nvj bvMv` K‡i e¨v‡jÝ
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
LyPiv Li‡Pi
†jRvi
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
ˆ`wbK Av`vq
cÖ‡Z¨K BDwbU Awd‡m‡iwRóvi‰`wbK Av`vq †iwRóvi bv‡g GKwU c„_K
†iwRóvi msi¶Y Ki‡Z n‡e| bgybv QK †gvZv‡eK D³ †iwRóvi msi¶Y Ki‡Z
n‡e | QK wbgœi“ct
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
wm‡÷g †diZ msµvš—
‡iwRóvi
 wm‡÷g †diZ wb‡Z PvB‡j A_ev MÖvnK w`‡Z PvB‡j c¨v‡KR g~‡j¨i Dci evwl©K
20% nv‡i AePq avh© Ki‡Z n‡e
 G‡¶‡Î MÖvn‡Ki wbKU n‡Z Av`vqK…Z UvKv †_‡K wbw`©ó mg‡qi g‡a¨ DwjwLZ
nv‡i AePq ev` w`‡q MÖvnK UvKv cvIbv n‡j †diZ cv‡e A_ev MÖvn‡Ki Kv‡Q
cvIbv _vK‡j mswkó MÖvnK †diZ w`‡e
 wm‡÷g †di‡Zi Rb¨ MÖvn‡Ki †`bv/ cvIbv K¨vjKz‡jkb Kivi mgq MÖvn‡Ki wbKU
†gvU Av`vqK…Z (wWwc+Avmj+mvwf©m PvR©) UvKv ‡_‡K AePq I †h gvm
ch©š— wm‡÷g e¨envi n‡q‡Q H ch©š— mvwf©m PvR© ev` w`‡q ‡h Aewkó
UvKv _vK†e Zv MÖvnK†K cÖ`vb Ki‡Z n‡e| Avi hw` MÖvn‡Ki wbKU cvIbv nq ZvI
MÖvn‡Ki wbKU †_†K Av`v‡qi e¨e¯’v Ki‡Z n‡e
 MÖvn‡Ki wbKU †_‡K †diZK…Z wm‡÷g Gi gvjvgvj óK †jRv‡i Rgv Ki‡Z n‡e Ges D³
cyivZb wm‡÷g cybivq wewµi mgq óK †jRvi †_‡K ev` w`‡Z n‡e
 cyivZb wm‡÷g weµ‡qi Rb¨ MÖvnK †jRv‡i Avjv`v b¤^i emv‡Z n‡e Ges gvwmK
†mjm& †óU‡g†›U bZzb wewµ wnmv‡e †`Lv‡Z n‡e|
 wm‡÷g †di‡Zi Kvi‡Y MÖvnK‡K cÖ`Ë UvKvi Rb¨ MÖvn‡Ki wbKU †_‡K cÖvwß
¯^xKvi wb‡Z n‡e
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
MÖvnK bs t BP - 125 wm‡óg (IqvU wcK) t 50WP
bvg t iwng
wVKvbv t cv_i NvUv

wm‡óg msµvš— Z_¨

weeiY UvKvi cwigvb (1) ‡gvU Av`v‡qi cwigvb (2) Aewkó UvKvi cwigvb (3=1-2)
c¨v‡KR g~j¨ 21750 5830 15920
mvwf©m PvR© 3328 308 3020
‡gvU 25078 6138 18940

wm‡óg †di‡Zi ZvwiL

wm‡óg e¨envi wm‡óg ¯’vc‡bi ZvwiL (gvm) (gvm) ‡gvU e¨envi (gvm/eQi)
26/02/08 08/09/08 7 gvm

AePq wbY©q
ermi c¨v‡KR g~j¨ AeP‡qi nvi I gvm AeP‡qi cwigvb
1g eQi 21750 20% / 12 *7 2538
2q eQi 20% / 12 * ------
3q eQi 20% / 12 *-------
4_© eQi 20% / 12*-------
5g eQi 20% / 12 * ------

‡gvU AeP‡qi cwigvb 2538

‡`bv/cvIbvi wnmve
MÖvn‡Ki wbKU †_‡K wWwc I Avmj (1) mvwf©m PvR© (2) ‡gvU Av`vq (3=1+2)
Av`vq 5830 308 6138
wm‡óg ¯’vc‡bi gvm †_‡K
‡gvU AePq (4) †diZ gvm ch©š— ‡gvU cvIbv (6=4+5)
MÖvn‡Ki wbKU cvIbv mvwf©m PvR© (5)
2538 648 3186
MÖvnK cvIbv ev MÖvn‡Ki wbKU cvIbv (7= 3-6) 2952
wm‡óg †di‡Zi KviY t
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
óK i¶Yv‡e¶Y I gvwmK
Pvwn`v
 cÖavb Kvh©vjq ev Ab¨ BDwbU Awd‡m †_‡K cvVv‡bv M„nxZ gvjvgvj, MÖvnK ‡_‡K
†diZ AvwbZ wm‡÷‡gi gvjvgvj Ges BDwbU Awd‡m ¯’vbxq fv‡e µqK…Z gvjvgvj Pvjvb
Abyhvqx óK †jRv‡i Rgv Ki‡Z n‡e
 G msµvš— Pvjvb Ges ¯’vbxq µ‡qi †¶‡Î Pvjvb bv _vK‡j we‡ji d‡UvKwc GKwU dvB‡j
msi¶Y Ki‡Z n‡e
 weµqK…Z gv‡ji Pvjvb MÖvnK n‡Z cÖvwß ¯^xKvi wb‡q Pvjv‡bi µwgK b¤^i I ZvwiL mn
óK †jRvi n‡Z ev` w`‡Z n‡e
 gvjvgvj cÖvwß/ cÖ`vb óK †jRv‡i Rgv Kiv wKsev ev` †`Iqvi †¶‡Î ZvwiL Ges mg‡qi
µgvbyewZ©Zv Aek¨B wVK ivL‡Z n‡e
 óK ‡jRv‡i wjwce×Kvix Aek¨B †jRv‡ii mswkó Kjv‡g ¯^v¶i Ki‡e Ges ¯^v¶‡ii wb‡P ZvwiL
D‡jL Ki‡eb
 cÖ‡Z¨K BDwbU Awd‡mi cieZx© gv‡mi gvjvgv‡ji Pvwn`v eZ©gvb gv‡mi 20 Zvwi‡Li
g‡a¨ Aek¨B cÖavb Kvhv©j‡q cvVv‡Z n‡e| Avi gvjvgv‡ji Pvwn`v _vKzK wKsev bv _vKzK
cÖ‡Z¨K gv‡mi †kl Zvwi‡Li e¨v‡jÝ mn óK wi‡cvU© eva¨Zvg~jKfv‡e cÖavb Kvh©vj‡q
‡cÖiY Ki‡Z n‡e
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
óK i¶Yv‡e¶Y I gvwmK
Pvwn`v
 GK BDwbU n‡Z Ab¨ BDwb‡U gvjvgvj cvVv‡bv n‡j Zvi Pvjv‡bi GKwU Kwc †nW Awd‡m
cvVv‡Z n‡e
 fyjµ‡g cÖavb Kvh©vjq †_‡K gvjvgvj †ewk †M‡j ev GK BDwb‡Ui gvjvgvj Ab¨ BDwbU
Awdm †i‡L w`‡j Zv mswkó BDwbU Awdm-†K cÖvwß ¯^xKvi w`‡q óK †jRv‡i Gw›Uª w`‡Z
n‡e Ges cÖavb Kvhv©j‡qi †óvi wWwfk‡b Pvjv‡bi Kwc cvVv‡Z n‡e / wjwLZ fv‡e Rvbv‡Z
n‡e
 cÖavb Kvhv©jq †_‡K †cÖwiZ gvjvgv‡ji Pvjv‡b ¯^v¶i Kivi c~‡e© Aek¨B cÖavb
Kvh©vj‡qi cÖwZwbwa/Mvwo Pvj‡Ki mb¥y‡L †cÖwiZ gvjvgvj MYbv K‡i ¯^v¶i Ki‡Z n‡e
 BDwbU Awd‡m ¯’vcbK…Z wm‡÷g óK †_‡K ev` hv‡e Ges G m¤ú`wU ¯’vqx m¤c‡`i
†iwRóv‡i Rgv Ki‡Z n‡e
 j¨v¤c †mW, wUDe, myBP, myBP †evW©, PvR© K†›Uªvjvi, mvwK©U BZ¨vw` bó n‡q
BDwbU Awd‡m c‡o _vK‡j Dchy³ KviY mn 2q ¯^v¶iKvix,BDwbU g¨v‡bRvi I AviGg Gi
¯^v¶i K‡i óK †jRvi †_‡K ev` w`‡Z n‡e
 evwZjK„Z gvjvgv‡ji we¯—vwiZ weeiY cÖavb Kvhv©j‡qi wnmve wefv‡M cvVv‡Z n‡e Ges
D³ gvjvgvj cieZ©x AwWU ch©š— BDwb‡U msi¶Y Ki‡Z n‡e
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
óK
‡iwRóvi
 BDwbU Awd‡m wnmve cÎ
¯’vqx m¤cwËi msi¶‡Yi c×wZ
†iwRóvi msi¶Y
cÖavb Kvhv©jq †_‡K †cÖwiZ ev BDwbU †_‡K µqK…Z ¯’vqx m¤cwË mg~‡ni h_vh_ wnmve
msi¶‡Yi Rb¨ GKwU †iwRóvi ewn msiw¶Z _vK‡e
 †iwRóv‡i mswkó m¤cwËi LvZ Abyhvqx Avjv`v Avjv`v c„ôv e¨envi Ki‡Z n‡e hv‡Z ZvwiLmn
we¯—vwiZ weeiY _vK‡e
 †Kvb m¤cwË bZzb µq ev cÖavb Kvh©vjq ‡_†K †cÖi‡Yi ci Dnv mswkó cvZvq wjwce× Ki‡Z
n‡e
 cÖwZ eQi eva¨Zvg~jK fv‡e 30 †k Ryb Zvwi‡Li ¯’vqx m¤cwËi wnmve cÖavb Kvhv©j‡qi
wnmve wefv‡M cvVv‡Z n‡e
¯’vqx m¤úwË †iwRóv‡ii bgybv QKt
 ¯’vqx m¤cwËi Mv‡q ms‡¶‡c BDwb‡Ui bvg, wmwiqvj b¤^i I ZvwiL D‡jL Ki‡Z n‡e|
µ‡qi fvDP msL GKK ‡gvU c‡Y¨i
weeiY AvBwW bs
ZvwiL vi bs ¨v g~j¨ g~j¨ cwiw¯’wZ
Kv‡Vi 4500/ 4500/ e¨envi
1135 1wU SP/Table/05-01
†Uwej - - †hvM¨/Lvivc
 BDwbU Awd‡m wnmve cÎ
gvwmK wnmve c‡Îi
wewµ msi¶‡Yi c×wZ
wewfbœ di‡gU
weeiYx
BDwbU Awd‡m wnmve cÎ
gvwmK UvKv cÖvwß I
msi¶‡Yi
Li‡Pi mvgvix kxU c×wZ
BDwbU Awd‡m wnmve cÎ
gvwmK Li‡Pi
msi¶‡Yi
mvgvix kxU c×wZ
BDwbU Awd‡m wnmve cÎ
‡Uªwbs msµvš— Li‡Pi
msi¶‡Yi
mvgvix kxU
c×wZ
BDwbU Awd‡m wnmve cÎ
‡Uªwbs msµvš— Li‡Pi
msi¶‡Yi
mvgvix kxU
c×wZ
 BDwbU Awd‡m wnmve cÎ
msi¶‡Yi
Av`vq nvi
c×wZ
wba©viYx di‡gU
wKw¯— Av`vq 100% wbwðZ Kivi Rb¨ cÖ‡Z¨K BDwbU Awdm‡K eva¨Zvg~jK wb‡gœv³
di‡gU †gvZv‡eK Av`vq nvi wba©viYx kxU I mvgvix kxU cÖavb Kvh©vj‡q cÖ`vb Ki‡Z n‡e|
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi
Av`vq nvi
c×wZ
wba©viYx di‡gU
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ
Calculation of Portfolio at Risk Rate
BDwbU Awd‡m wnmve cÎ
msi¶‡Yi c×wZ