Presented

By
BANKING INTERVIEW FORUM (BENGAL)

ADMINS

Subhasish Banerjee
Tamoghna Sarkar
Subhankar Dhar
Abhinandan Banik
LIST OF TOPICS COVERED AS ON 12-02-2015:
1) IBPS PO-4 INTERVIEW IMPORTANT TOPICS IN A NUTSHELL
2) BANKER CUSTOMER RELATIONSHIP
3) NON PERFORMING ASSET
4) OPERATIONS IN ACCOUNTS BY BLIND PERSONS
5) JOBS ND RESPONSIBILITIES OF A PROBATIONARY OFFICER
6) BANKING WITH MINOR
7) EXPLAINTN OF A CTS2010 ENABLD CHQ
8) WHY BANKING
9) SUBSIDIARIES OF RBI
10) BANKING ABBREVIATION
11) LOANS v/s ADVANCE
12) KNOW YOUR CUSTOMER (KYC)
13) AAM ADMI BIMA YOJNA
14) BSBDA: BASIC SAVINGS BANK DEPOSIT ACCOUNT IMPORTANT POINTS
15) MEGA VALUATIONS OF 2014
16) HOW DOES UR ENGG WILL HELP BANKING
17) PROMOTIONAL HIERCHY OF BANK OFFICERS
18) PRADHAN MANTRI JAN DHAN YOJNA
19) HIGH, MEDIUM, LOW RISK CUSTOMERS
20) PONZI SCHEME
21) ACCOUNT OPENING OF A PARDANASHIN MUSLIM WOMAN
22) VERY VERY VERY IMPORTANT REGARDING KYC NORMS BY THE RBI
23) INOPERATIVE/ DORMANT AC
24) SHARE v/s BOND v/s DEBENTURES
25) TYPE OF SECURITIES IN LOAN
26) FDI and FII
27) RETAIL INVESTORS v/s INSTITUTIONAL INVESTORS
28) BANK IS BACKBONE OF OUR ECONOMY'- EXPLAIN
29) GST
30) DBTL BECOMES WORLD'S LARGEST DIRECT BENEFIT TRANSFER SCHEME
31) PRIORITY SECTOR LENDING:
32) CABINET MINISTERS 2014
33) PVT LTD V/S PUBLIC LTD COMPANY
34) WEST BENGAL MINISTERS
35) PRE-2005 NOTES WILL NOT WORK AFTER 30TH JUNE 2015
36) CRAR (CAPITAL TO RISK WEIGHTD ASSET RATIO)/CAD(CAPITAL ADEQCY RATIO)
37) 2 LAKH ER UPOR KI NEFT KRA JBE?
38) QUERIES ABOUT RUPAY CARD OF PMJDY
39) BPS- BASIS POINT SYSTEM
40) DEMAND DRAFT & BANKERS CHEQUE
41) COMPONENTS IN BANK'S BALANCE SHEET
42) LAF v/s MSF
43) CLEARING PROCESS OF CHEQUES OF OTHERS BANK
44) NDTL (NET DEMAND AND TIME LIABILITIES)
45) CURRENT ACCOUNT DEFICIT
46) OTHER IMPORTANT POINTS of OTHERS BANK CHQ CLEARING
47) IMPORTANT POINTS REGARDING RBI MONTRY POLCY:
48) SARFAESI ACT 2002
49) RESTRICTION BEFORE PROVDNG LOAN
50) VERY IMPORTANT POINTS REGARDING ATM CARD
51) RBI MONETORY POLICY SPECIALLY FOR NON-COMMERCE STUDENTS
52) WPI & CPI
53) CHQ BOOK FOR MINOR OR ILLITERATE
54) LAND ACQUISITION ORDINANCE
55) GROSS NPA v/s NET NPA
56) LETTER OF CREDIT (LC) & BANK GUARANTEE (BG)
57) TERM LOAN v/s DEMAND LOAN
58) CASH CREDIT v/s OVERDRAFT
59) INTERSET CHARGE IN LOAN ACCOUNT AFTER BECOMING NPA
60) NORMAL v/s PREFERENCE SHARE
61) OBJECTIVE OF SETTING UP RRBS
62) CHEQUE TRUNCATION SYSTEM
63) WHAT IS REVERSE MORTAGE LOAN
64) SECURITY ON EDUCATION LOAN
65) PRIMARY SECURITY v/s COLLATERAL (MAIN 2 TYPES OF SECURITY)
66) BIPARTITE SETTLMNT
67) OBJECTIVE OF NATIONALIZATION
68) PAN PERMANENT ACCOUNT NUMBER
69) CURRENT A/C VS CAPITAL A/C CONVERTIBILITY
70) A. WHAT IS CURRENT & CAPITAL A/C IN BALANCE OF PAYMENT
B. HOW CURRENT A/C DEFICIT IS RELATED TO RUPEE DEPRECIATION
71) HIGHLIGHTS OF BANKING REGULATION ACT1949
72) DAILY CASH MANAGEMENT IN BRANCHES
73) RBI AS A NOTE ISSUING AUTHORITY
74) INR CURRENCY NOTE
75) CBS (CORE BANKING SOLUTION)
76) PROMISSORY NOTE & BILL OF EXCHANGE
77) BAILIEE-BAILOR & LESSOR-LESSEE
78) MONETARY POLICY V/S FISCAL POLICY
79) PARTICIPATORY NOTE (P-NOTE)
80) MONEY LAUNDERING
81) HOW TO PREVENT MONEY LAUNDRNG
82) IPO (INITIAL PUBLIC OFFERING) v/s FPO (FOLLOW ON PUBLIC OFFERING)
83) SOME HR PART EFFECTIVE
84) DBTL (DIRECT BENEFIT TRANSFER FOR LPG CONSUMER)
85) MUTUAL FUND
86) DEMAT ACCOUNT
87) MSME (MICRO, SMALL & MEDIUM ENTERPRISES)
88) CGTMSE (CREDIT GUARANTEE FUND TRUST FOR MICRO AND SMALL ENTERPRISES)
89) CONFUSIONS REGARDING PARTICIPATORY NOTES - ADR GDR
90) IMPORTANT TOPICS FOR UPCOMING INTERVIEW
91) STATEMENT BY DR. RAGHURAM RAJAN ON MONETARY POLICY- 15TH JAN 2015
92) WHAT IS THE REASON BEHIND THE SUDDEN CHANGE OF MONETORY POLICY
93) HOW IS THE PRESENT CONDITION OF INDIAN ECONOMY
94) VIEWS ON BANKING LICENSE FOR POST OFFICES
95) TIER 1 & TIER 2 CAPITAL
96) WB - WORLD BANK & IMF - INTERNATIONAL MONETORY FUND, SDR SPECIAL
DRAWING RIGHT
97) WORLD BANK v/s IMF
98) DIFFERENT TYPES OF CUSTOMERS IN INDIAN BANKING INDUSTRY
99) PARA-BANKING
100) WHAT IS THE DIFFERENCES BETWEEN EPF, GPF AND PPF
101) COAL ALLOCATION SCAM - COALGATE
102) POSSIBLE QUESTIONS ON "NITI AAYOG"
103) SITUATION_BASED_QUESTION_1_RESPONSIBILTY AS A BRANCH HEAD
104) SITUATION_BASED_QUESTION_2_LINK NEI KI KRBE
105) SITUATION_BASED_QUESTION_3_HOW DO YOU INCREASE YOUR BRANCH
BUISNESS
106) SITUATION_BASED_QUESTION_4_HOW DO YOU MANAGE YOUR RURAL
POSTING
107) SITUATION_BASED_QUESTION_5_MANAGER IS NOT WORKING KI KORBE
108) DRUNKEN CUSTOMER K PAYMENT
109) ICICI v/s SBI v/s UBI
110) FUNCTIONS OF BANKING BUSINESS CORRESPONDENTS (BC)
111) MAKE IN INDIA CAMPAIGN SUMMARISED OBJECTIVE
112) SOURCE OF NABARDS FUND
113) JOBS & RESPONSIBILITIES OF A BANK-CLERK
114) FREQUENT_QUESTIONS_IBPS_CLERK_4_INTERVIEW
115) SUKANYA SAMRIDHI YOJANA
116) LATEST MONETORY CHANGE BY THE RBI
117) OVERVIEW OF INVESTMENT BANK
118) PRODUCTS OF BANK
119) SHG SELF HELP GROUP
120) JLG JOINT LIABILITY GROUP
121) SHG V/S JLG
122) #POST_MORTEM_OF_CHEQUE_PART_1_OVERVIEW
123) POST_MORTEM_OF_CHEQUE_PART_2_ENDORSEMENT
124) POST_MORTEM_OF_CHEQUE_PART_3_CROSSING
125) #POST_MRTM_OF_CHQ_PART_4_DISHONR_ELCTRNC_TRUNCTD_CTS_2010_CHQ
126) BASEL NORMS BASEL_1, BASEL BASEL
127) IMPORTANT T PES OF BANK ACCOUNTS AND FEATURES
128) FAKE / COUNTERFEIT NOTES HANDLING PROCESSES AS A BANKER
129) TDS - TAX DEDUCTED AT SOURCE
130) INTEREST IN EDUCATION LOAN
1. IBPS PO-4 INTERVIEW IMPORTANT TOPICS IN A NUTSHELL

1. What is a Bank? How does a Bank earn profit? Types of banks in India with explanation &
examples? Functions of different banks? Bank is the Backbone of our Economy-why? Objectives of
setting up the RRBs?
1. Retail Banking, Relationship Banking, Investment Banking, Overseas banking, Personal Banking?
2. Detailed roles & functions of RBI? How does RBI control our Economy? Name of Governor &
Deputy Governors of RBI. (Dont forget to put SIR before name of the Governor)?
3. Monetary Policy of RBI (both Quantitative & Qualitative measures)? Clear conception of different
Ratios i.e. SLR, CRR, Repo, Reverse Repo, MSF, Bank Rate & relations between them? Effects on
our Economy if RBI changes (increase & decrease both) these ratios?
4. Objectives & Act related to Nationalization in 1969 & 1980?
5. Names of H.O, CMD & Taglines of 10 Public Sector, 5 Private Sector, 5 Foreign banks in India?
6. Differences (must have clear conceptions & detail knowledge of each n every term)
PUBLIC & PVT SECTOR BANKS, SAVINGS & CURRENT A/C, FIXED & RECURRING DEPOSIT
A/C, WPI & CPI, LAF & MSF, NEFT & RTGS, GDP & GNP, GROSS & NET NPA, WORLD BANK &
IMF, SECURED & UNSECURED LOANS, DEMAND LOAN & TERM LOAN, OVER DRAFT & CASH
CREDIT, CAPITAL MARKET & MONEY MARKET, SHARE v/s BOND v/s DEBENTURES, CHEQUE
& DEMAND DRAFT, LIBOR & MIBOR, FISCAL POLICY & MONETARY POLICY, DEBIT & CREDIT
CARD, FISCAL & REVENUE DEFICIT, FOREIGN DIRECT INVESTMENT & FOREIGN
INSTITUTIONAL INVESTOR, INITIAL PUBLIC OFFERING & FOLLOW ON PUBLIC OFFERING,
VOTE ON ACCOUNT & INTERIM BUDGET, SENSEX & NIFTY, NBFC & BANK, WHITE & BROWN
LEVEL ATM, DIRECT & INDIRECT TAX, GENERAL & LIFE INSURANCE, LIMITED & PVT LTD
COMPNAY, EXCISE & CUSTOMS, TIER 1 & TIER 2 CAPITAL.
7. What is a Loan? Pledge, Hypothecation & Mortgage, Reverse Mortgage, 5C? What is NPA? Types
of NPA? Internal & External causes of NPA? Preventive measures before & after sanctioning a loan/
How do you control the NPA of your bank as an Officer? Fundamentals of Asset Reconstruction
Company, SARFAESI Act , Corporate Debt Restructuring, Lok Adalat & Debt Recovery Tribunal?
Priority Sector Lending? Sectors coming under it? Limit of Home & Education Loan under this sector?
8. Highlights of NI Act1881? What are the Negotiable Instruments a/c to NI Act 1881 (Cheque, CP &
Bills of Exchange)? Under which section of NI Act1881, bouncing of a cheque is a criminal offence?
General & Special Crossing, Endorsement & different types of Cheque (Order, Bearer, Crossed etc)?
9. Know Your Customer norms of RBI & Anti Money Laundering, PMLA 2006? Financial Inclusion-
Kisan Credit Card, BSBDA, PMJDY, Relaxation in KYC Norms?
10. Demat, Dormant, Inoperative & Unclaimed Accounts?
11. MSME- Ranges of amount for manufacturing and Service sector? MSMED Act 2006?
12. Line of Credit, Letter of Credit, Bank Guarantees, Garnishee Order?
13. Explain a Balance Sheet? What are the Asset & Liability products are there in a Balance Sheet of
a Commercial Bank?
14. Important Terminologies-
ALM, BULL & BEAR, REER, CAMELS, CRAR, NDTL, CSR, ASBA, CURRENCY CHEST, FEMA,
LIQUIDITY, REVERSE MORTGAGE, WMA, CASA, CBS, CTS-2010 & CTS-2010 CHEQUES
Features, TREASURY BILL, DEPOSITORY RECIEPT, I-BANKING , M-BANKING, E-BANKING, ECS,
EFT, DICGC, IFSC, MICR, SWIFT, IMPS, INFLATION, DEFLATION, STAGFLATION, RECESSION,
DISINVESTMENT, DEVALUATION, SDR, SEZ, CORPORATE GOVERNANCE, E-GOVERNANCE,
OPEN MARKET OPERATIONS, POP, POS, MUTUAL FUNDS, SHG/JLG, BANCASSURANCE,
BANKING OMBUDSMAN, BASIS POINT SYSTEM, BPLR/BASE RATE, NOSTRO, VOSTRO,
DEMAT A/C, MATERIAL ALTERATION, TDS, PLASTIC MONEY, BITCOINS, SDR, SUB PRIME
CRISIS, FOREX (FOREIGN EXCHANGE RESERVE)
U can Refer FAQ section of RBI website for comprehensive concepts
INDIAN ECONOMY & GK
1. CURRENT ACCOUNT DEFICIT (CAD)- Balance of Trade & Balance of payment?
2. Rupee Depreciation & Appreciation? Its causes? Preventing measures? As the Finance Minister of
the Union or RBI Governor how do you control it? Causes for fluctuating price of gold & petroleum
products?
3. Eurozone Crisis? Basel Accords- Objective & Features of Basel I, II, III?
4. Highlights of RBI Act, Banking Regulation Act & Indian Coinage Act?
5. Design of Indian Currency notes, who has invented the design & where? Under which act RBI
issues Coins & Currency Note? Notes & Coins production plants of RBI? Why Govt of India issues 1
Rupee Note & Coin?
6. Objectives of CRISIL, ICRA, CIBIL, CARE, ONICRA (Credit rating agencies)?
7. Existing CAD, WPI, CPI, GDP percentage? Indias growth forecast by IMF, WORLD BANK, ADB
etc?
8. Highlights of Union Budget, Railway Budget, Economic Survey Report of India (2014-15)?
9. PAN, NPS, PDS, ADHAAR, CENSUS & Women Empowerment in India?
10. Planning Commission of India- Current Chief, Objectives/ Functions ?
11. 5 YEAR PLANS of India? Highlights of Current 5 YEAR PLAN?
12. Head Quarters, Current Chiefs & Functions/ Operations of IBA, SEBI, NABARD, IRDA, PFRDA,
UIDAI, FMC , SIDBI, FICCI, CII, ASSOCHAM, NASSCOM, ICC, NSDL, NPCI, NSEL, MCX-SX, MCX,
NMCE, FATF, ADB, WTO?
13. Names of Chief Information, Election & vigilance Commissioner, Chief Justice, Solicitor General,
Attorney General of India, National Security Advisor, Finance Secretary, Comptroller & Auditor
General, Chiefs of Army, Navy, Air Force, Coast Guard, BSF, CBI, RAW, IB, ITBP, NIA, NSG, CRPF,
CISF, BARC, ISRO, DRDO, CBDT?
14. Comparative ranking of officers and different types of salutes in Indian Army, Navy & Air Force,
Coast Guard?
15. Capitals of all States & Union Territories of India? Name of Important Cabinet Ministers of the
Union & States? Name of Governors & Chief Ministers (cover all female CMs) of important States?
Top & least States and Union Territories of India in terms of Population, Area, Literacy, Sex ratio (try
to memorize the figures)?
16. Elections in India? Parliament of India? Seats in Lok & Rajya Sabha? How MP, MLA, Governor,
Chief Minister, Prime Minister & President of India are elected? Salary of PM, CM, President,
Governors, Chief Election/Information Commissioner & Chief Justice of India?
17. Gather some knowledge about our National Anthem, National Flag & Indian Constitution?
18. G-20, G-5, SAARC, BRICS, ASEAN, UNO, NATO, US Federal Reserve, Capital & Leaders of
Super power Countries around the world like Russia, Japan, China etc?
Collect as much as information about India, West Bengal & specially Kolkata & your locality from
Wikipedia, memorize some figures like Population, Area, all India rankings, symbolic birds, flowers,
animal of Bengal etc.
HR & OTHERS
2. Introduce yourself (not more than 1.30 minutes, emphasize on what r your positive achievements
so far)? Family background? Strength, Weakness, Hobby (be very very very specific & informative in
these 3 questions)?
3. Why Banking? Why banking after B.Tech/B.Sc/MCA/M.Sc/any other Technical Degree? Why
should i select you as we have options from B.Com, MBA, CA? How does ur Technical Knowledge
will help our Banking Sector?
4. How will u handle your rural posting? How do you manage your co-workers? How do you handle a
customer shouting at you & even abusing you? How would you sell our Schemes, Products to our
Customers? Explain Customer Relationship Management?
5. Significance of your Name, Surname, Date of Birth, Locality & resemblance with famous persons?
6. 5 or 10 yrs down the line where do you expect yourself?
7. Some examples of your past leadership quality, some memorable & successful moments?
8. What are the Job responsibilities of a PO? Gross Emoluments & Basic pay of a PO (JMGS-I)?
Promotional hierarchy of Officers in a PSB starting from Asst Manager to CMD?
In addition to these u can expect basic questions from your graduation subject whatever it is, the
panel is specialist in each n every field.
Some practical Case Study based questions may be asked which is related to daily branch banking
practices.
Apart from these you must search different websites for more IBPS interview materials & HR related
questions. Refer different groups of FB for last yr interview experiences.
Please note that you can be asked any questions depending upon the Panel & your Graduation
Degree, but still i hope these things will give you a rough idea about IBPS PO interview.
OTHER POINTS TO REMEMBER
1. Make a habit of reading Newspaper, Headlines of the day of interview & 2 days prior to that day.
2. Make a note of all latest Economic, Social, Political happenings in India & World and latest major
moves by RBI of last 3 months.
3. If you have any gap of 2-5 yrs in your education or after graduation or have poor marks in
10th/12th/grad/post grad, be ready to justify that gap with a realistic & smart answer.
4. If you are not fluent in English just try to answer them slowly and in a simple manner, Its not an
interview of Barclays, JP Morgan Chase or Deutsche Bank. So please dont panic.
5. Dont be casual about your dressing, its an Officer Ranked Post, if possible wear a tie, it will cost u
hardly 300/-. Very very careful at the time of entering & exit. Your body language, way of wishing the
panel, gesture, posture, presence of mind, handling capability of a worst situation, way of answering &
explaining any query may carry extra 10-15 marks for you. Be yourself, honest & confident as much
as u can in front of panel & most important keep it simple.
6. The Highly Experienced Panel will mainly check your attitude & potentiality to work as a Bank
Officer rather than your knowledge. They know that you have cleared written exam in this kind of
tough competition means u know something thats why u r sitting in front of them.
7. Last but not the least, always mind that the Persons sitting in front of you are from top Executive
level i.e. Scale 5/6/7 Officers (AGM/DGM/GM) of different Public Sector Banks. They all have avg. 25-
30 yrs experience in banking industry. Never ever try to fool or manipulate them, if you dont know any
answer just say it, no harm in that. So keep all your damn attitude over smartness & Ego outside the
interview room.
8. You have to be an attention seeker in those 15 minutes, so prepare all the answers in your own
way & always try to add some exceptional points in your answer.

2. BANKER CUSTOMER RELATIONSHIP

TRANSCTN BANKER CUSTOMER
Depositor- Debtor Creditor
Laon/CC/OD- Creditor Debtor
Collection faclty- Agent Principal
Mortgage - Mortgagee Mortgagor
DD issue- Agent Principal
Standing instrc- Agent Principal
Payee of DD - Trustee Benefcry
Safe Custody - Bailiee Bailor
Safe dep locker- Lessor Lessee
Hypothctn- Hypothecatee Hypothecator

3. NON PERFORMING ASSET-

When:
1. Interest and/or princpl amount remains over due for more than 90 days in case if term loan
2. Ac remains out of order means no credit for more than 90 days or credits r not enough to cover
intrst debtd during the same period in case of overdraft/cashcredit
3.princpl or untrst overdue for two crop seasons for short duration crop and overdue for one crop
season incase of long duration crop i.e. for crop loans or agri loans.
CAUSES-
1.Internal Facrors:
A. Funds borrowed for a particular purpose but no use for the said purpose
B. Project not complted on time
C. Poor recovery
D. Busns failure
E. Willful default, siphoning of funds, Management disputes
F. Wrong borrower selection, poor monitorng etc
EXTERNAL FACTORS:
A. Industrial recession
B. Shortage of raw material, power resurces
C. Govt policies on excise and customs
D. Overdue in foreign countrt, recession in other country.
PREVENTIVE MEASURES:
1. Before sanctiong lian-
A. KYC COMPLIANCE
B. CREDIT EVALUATION
C. CIBIL REPORT
D. TECHNO ECONOMIC VIABILITY REPORT
E. PROPER DOCUMENTATION
F. FOLLOW 5C of credit i.e. CHARACTR, CAPACITY, CAPITAL, COLLATERAL, CONDITION of
BORROWER
F. PROPER DIAGNOSIS OF THE AC BEFORE IT TURNS TO NPA
G. FOLLOW UP AND MONITORNG RIGHT FROM VERY NEXT DAY OF DISBURSMNT
2. After Sanctiong Loan:
A. SARFAESI ACT
B. ASSET RECONS COMPNY
C. CORPORT DEBT RESTRUC
D. LOK ADALAT
E. DEBT RECOVERY TRIBUNAL
F. COMPROMISE/OTS (One time settlement)
G. RECOVERY AGENTS
TYPES OF NPA
A. SUB STANDARD: <= 12 months
B. Doubtful One: 1-2 years
C. Doubtful Two: 2-4 years
D. Doubtful three or Loss asset: more than 3 yrs

4. OPERATIONS IN ACCOUNTS BY BLIND PERSONS:

o Banks allow the next of kin of a blind customer to operate his account as a
guardian or a representative of the blind person.
o Generally no chequebook is issued. Where chequebooks are issued, the blind
person is advised to issue only crossed and order cheques and not to issue
bearer cheques so that payees could always be traced.
o Cash payments to blind person are made in person in the presence of a
witness (preferably an account holder) who signs the cheque/withdrawal
form/voucher etc., as witness. Branch official, other than paying cashier,
also signs as a witness.
o Cash deposited by the blind customer is accepted in the presence of a
witness (an account holder or an officer of the branch other than the
receiving cashier) and the amount deposited is informed orally to him. This
fact is noted on the pay- in -slip/voucher and under signature of a witness.
o The blind account holder is required to bring passbook for withdrawal and
the entries and balance are read out to him in confidence
RBI guidelines for providing banking facilities to Visually Impaired Persons:
RBI has advised banks to offer banking facilities including cheque book facility / operation of ATM,
Net banking facility, locker facility, retail loans, credit cards etc. to the visually challenged without any
discrimination as they are legally competent to contract.
In the Case No. 2791/2003, the Honourable Court of Chief Commissioner for Persons with Disabilities
had passed Orders dated 05.09.2005 that banks should offer all the banking facilities including
cheque book facility, ATM facility and locker facility to the visually challenged and also assist them in
withdrawal of cash. In the above Order, the Honorable Court has observed that visually impaired
persons cannot be denied the facility of cheque book, locker and ATM on the possibility of risk in
operating / using the said facility, as the element of risk is involved in case of other customers as well.

5. JOBS ND RESPONSIBILITIES OF A PROBATIONARY OFFICER

say u r posted in a scale 2 branch and u r second in command after branch head who is a scale 2
officer den
1. cash officer: posting/verifying of all debit (withdrawl) and credit (reciept) vouchrs through out the
day,,,daily cash mangement i.e. how much cash u will hold in ur vault and how much u will send to
remitnc to currency chest branch or the rbi,,,physical cash verification at the tym of "EOD (end of day
process),,,after verifct put down ur signature in cash summary book daily,,,,,hold the keys of vault on
daily basis and maintain a registr of the same.
# rule is that u can hold 0.25% of ur total deposit of branch in ur vault at the tym of EOD,,bt its nt
possbl to maintain the rule,,if u will continue to ratin excess cash in ur vault den rbi will fine ur bank's
head office ac
2. General banking: issuing demand draft,,all rtgs neft,,,chq buk issue,,atm issue,,collect kyc and
modify customer id's,,,to deal with all cases regarding change of opertn,,name change,,signature
chng cases regarding any account...opening savings, current,,,fixed,,recurng deposit
accounts,,,closure of acs,,,deal with maturity & pre mature paymnts of fixed nd recurrng depst a/cs
after all verifctns and taking care of all documents of the same.,,go for verification in customer's house
for deceased claim related matters, look after pension, tax, excise related matters in large & extra
large branches etc
3. Credit in charge: opening of all loan acs..documentaion,,verification,,pre & post disbursemnt
inspection of loan acs,,,credit monitoring & follow up,,recovery from npa a/cs,,,closure of loan
a/cs,,,send proper loan related documents to ur concerned zonal/cirlce & head office,,,,limit extension
of cash credit a/cs after permsn from branch head,,he will be heading all d loan related docs,,u will
assist him

6. BANKING WITH MINOR:

1. U can open account of an minor aged 10+ with self operational facility
2. U can open a minor ac aged less than 10 yrs with Natural guardianship operational instruction
means ac wl b oprtd by his/her guardian lyk parents or any guardian appointd by court
3. ATM can only be issued to a minor of aged 14+ with restriction of withdrawl max 3000 per day and
15000 per month max
7. EXPLAINTN OF A CTS2010 ENABLD CHQ
1. Payee er name er pase OR BEARER bole ekta kotha thak,,,oitak jodi kete dewa hoi den ota
ORDER CHQ hbe means payee er name chara r kauk dewa jbena except endorsmnt
2. R jdi oi kthata kete na dewa hoi tahle jar name i lekha thakuk na kno ota ekta kukur mukhe kre
bank e nie eleo takeo as per NI ACT paymnt krte baddho bank,,eta BEARER CHQ
3.CROSSED CHQ ALREADY DISCUSSED
4. Very IMP- Barite chq buk thakle bar kre dekh niche total 17 ta digit ache,,,,frst 6 ta digit
INSTRUMENT NUMBER,,Next 3 te CITY CODE,,,Nxt 3 te BANK CODE,,,Nxt 3 te BRANCH
CODE,,,tar pase eldm last e two digit er ekta number ache ota denote kre oi chq ta kon account er
savings/current/cash credit/ over draft,,,,,ei 17 ta digit er uporei ekta alpha number thak like
ABC,,,MYS,,,FFW etc,,etak alpha number ble ,,,ekta instrumnt number k actually denote krte gle oi
alpha numbr die den oi 6 digit er number ta dte hoi lyk alpha numbr hlo MYS and instr numbr
654389,,,,,so actual instr number hlo MYS/654389...

8. WHY BANKING
1. Banking has no doubt fastest promotion policy among all psu sectors,,one bright probationary
officer can go upto the level of general manager within 20 yrs under current scenrio
2. As a banker we can xplore our knwldg through diffrent xams lyk jaiib n caiib and as well as it will
also help us in our promotion (ref www.iibf.org.in for more info regardng these two exams
3. i want to serve the people of my nation through banking as it is alwys related to direct customer
handlng i.e customer reltnshp mangmnt.
4. banking is directly related to our country's overall economic developmnt as banking sector has a
significant contributn in our GDP growth,,and all the govt schemes lyk direct benefit transfr,,all
financial inclusion approachs lyk kcc,pmjdy is nt possbl without banks,,i want to contribute in my
nation's progress
5. i persnly feel that i will luv the life of an bank officer,,the way the get exposure of diffrnt types of
custmrs & diff states as a team leader i lyk dat one
6. i want to be the face of a publc sectr bank aftr becmg an gm/ed/cmd,,,as i m in my early age and
banking sector is also booming nd its possbl to hold those posts dats why i decided to join as a bank
officer
7. last bt nt the least bank po carries a specl social respect in our society and it will also provide us job
security///

9. SUBSIDIARIES OF RBI:
[1] National Housing Bank (NHB):
National Housing Bank was set up on July 9, 1988 under the National Housing Bank Act, 1987 as a
wholly-owned subsidiary of the Reserve Bank to act as an apex level institution for housing. NHB has
been established to achieve, among other things, the following objectives:
1. To promote a sound, healthy, viable and cost effective housing financesystem to all segments of
the population and to integrate the
housing finance system with the overall financial system.
2. To promote a network of dedicated housing finance institutions to adequately serve various regions
and different income groups.
3. To augment resources for the sector and channelise them for housing.
4. To make housing credit more affordable.
5. To regulate the activities of housing finance companies based on regulatory and supervisory
authority derived under the Act.
6. To encourage augmentation of supply of buildable land and also building materials for housing and
to upgrade the housing stock in the country.
7. To encourage public agencies to emerge as facilitators and suppliers of serviced land for housing.
[2] Bharatiya Reserve Bank Note Mudran Private Limited (BRBNMPL):
The Reserve Bank established BRBNMPL in February 1995 as a wholly-owned subsidiary to
augment the production of bank notes in India and to enable bridging of the gap between supply and
demand for bank notes in the country. The BRBNMPL has been registered as a Public Limited
Company under the Companies Act, 1956 with its Registered and Corporate Office situated at
Bengaluru. The company manages two Presses, one at Mysore in Karnataka and the other at Salboni
in West Bengal.
[3] National Bank for Agriculture and Rural Development (NABARD):
National Bank of Agriculture and Rural Development (NABARD) is one of the subsidiaries where the
majority stake is held by the Reserve Bank. NABARD is an apex Development Bank with a mandate
for facilitating credit flow for promotion and development of agriculture, small-scale industries, cottage
and village industries, handicrafts and other rural crafts. It also has the mandate to support all other
allied economic activities in rural areas, promote integrated and sustainable rural development and
secure prosperity of rural areas.
[4] Deposit Insurance and Credit Guarantee Corporation (DICGC):
With a view to integrating the functions of deposit insurance and credit guarantee, the Deposit
Insurance Corporation and Credit GuaranteeCorporation of India were merged and the present
Deposit Insurance andCredit Guarantee Corporation (DICGC) came into existence on July 15,
1978.Deposit Insurance and Credit Guarantee Corporation (DICGC), established under the DICGC
Act 1961, is one of the wholly owned subsidiaries of theReserve Bank. The DICGC insures all
deposits (such as savings, fixed, current,and recurring deposits) with eligible banks except the
following:
(i) Deposits of foreign Governments;
(ii) Deposits of Central/State Governments;
(iii) Inter-bank deposits;
(iv) Deposits of the State Land Development Banks with the State cooperative bank;
(v) Any amount due on account of of any deposit received outside India;
(vi) Any amount, which has been specifically exempted by the corporation with the previous approval
of Reserve Bank of India.
Every eligible bank depositor is insured upto a maximum of Rs.1,00,000(Rupees One Lakh) for both
principal and interest amount held by him.

10. BANKING ABBREVIATION

1. BSBDA - Basic Savings Bank Deposit Account
2. FCNR(B) - Foreign Currency Non-Resident Bank
3. TARC - Tax Administration Reform Commission
4. ITEs: Intra-Group Transactions and Exposures
5. LCR: Liquidity Coverage Ratio
6. NSFR: Net Stable Funding Ratio
7. LRMT: Liquidity risk monitoring tools
8. CBS: Core Banking Solution
9. DEAF: Depositor Education and Awareness Fund
10. CRAR: Capital to Risk-weighted Assets Ratio
11. External Commercial Borrowings (ECB)
12. SWIFT: Society for Worldwide Interbank Financial Telecommunication
13. FSLRC: Financial Sector Legislative Reforms Commission
14. MIBOR: Mumbai Inter-Bank Offer Rate
15. LIBOR: London Inter-Bank Offer Rate
16. LAF Liquidity Adjustment Facility
17. GIRO - Government Internal Revenue Order
18. EEFC - Exchange Earner's Foreign Currency
19. FRBMA: Fiscal Responsibility and Budget Management Act
20. ALM- Asset Liability Management
21. AMFI- Association of Mutual Fund in India.
22. TIEA Tax Information exchange Agreement
23. CAR Cash Adequacy Ratio
24. CCEA Cabinet Committee on Economic Affairs
25. CECA - Comprehensive Economic Cooperation Agreement
26. CEPA Comprehensive Economic Partnership Agreement
27. DTAA Double Taxation Avoidance Agreement
28. DTC Direct Tax Code
29. ECBs - External Commercial Borrowings
30. EEFC - Exchange Earner's Foreign Currency
31. EFSF European Financial Stability Facility
32. FEMA- Foreign Exchange Management Act
33. FII Foreign Institutional Investor.
34. FINO- Financial Inclusion Network Operation
35. FIPB Foreign Investment Promotion board
36. FSLRC Financial Sector Legislative Reforms Commission
37. FTA- Free trade agreement
38. GAAR - General anti avoidance rule
39. GSLV - Geo-Synchronous Launch Vehicle
40. MSF-Marginal Standing Facility
41. NBFC-Non Banking Finance Companies
42. NCTC - National Counter-Terrorism Centre
43. NEFT - National Electronic Funds Transfer
44. NSG Nuclear Suppliers Group
45. PPP Public Private Partnership & Purchasing Power parity
46. PSLV Polar Satellite Launch vehicle
47. RTGS - Real Time Gross Settlement
48. SLR-Statutory Liquidity Ratio
49. TAPI - Turkmenistan-Afghanistan-Pakistan-India.
50. QFI -Qualified Foreign Investors

11. LOANS v/s ADVANCE

Sunte eki rokom kintu valoi diffrnc ache..dekha jak ki ki ache mal 2to te
1. Loan hlo short term nd long term both and its denoted as a DEBT mane pati banglai dhar ba rin..
Bt Advance nly short term and its denoted as a CREDIT FACILITY
2. Loan dewar age custmr e gustier sosti pujo krte hoi lyk income,expenses,cibil
report,documentaion,inspection,disbursmnt,follow up habijabi
bt Advance hlo less formal than Loan,,eto kichu dekhte hoina
3. Loan always secured hoi collateral die,,types of security hlo pledge,hypothecation,mortgage etc
(eta nie details pore discuss kra jbe)
Bt Advance e kno security er backup newa hoina
4. Loan e always interst charge kora hoi
Advance e generly na
Ebr ekta practical xmpl dewa jak
LOAN - home,car,pension,fixed depost er against e various typer hoi either demand or term loan
Tai egulo krar age prochur inspc docmntn cibil esob kre satisfied hle ekta legal agrmnt hbe betwn
lender i.e. bank and borrower i.e. custmr j borrowr wl payback so n so amt with inrst to bank on
demand or after a particular tym period,,,so its a legal contract with duly stamped a/ c to indian
contract act and indian stamp act
ADVANCE- oto besi formality krte hoina,,kichu kichu case e alpo documntn krte hoi bt onkkk kom
Exmple- TA ADVANCE, FESTIVAL ADVANCE to Staff
Say ami kolkatai jokhn traing korte jai den 10000 taka TA ADVNC tuli branch thek,,,dhor trg thk ferar
por amar total trg er bill hlo 16000,,den oi baki 6000 taka amr savings ac e credt hlo tarmane jawar
age amr kche taka nei othocho tickt korte hbe den ami oi ta advnc ta nilam as a short term credit
facility,,,jodi ota na nitam den 16000 takai amr savngs ac e credit hto,,er jnyo no documntn
One more example FESTIVAL ADVNC,,,,pujote jothesto khorcha lyk gola vejano,futani mara etc bt
hat e BP khawar taka nei othcho khte ichha korche 100 pipers typer kichu,,den ami pujor age ekta
advance tullam 14500,,,ekhane amak ekta demand promissory note e revenue stamp er upor sign
krte hoeche j ami taka na dile bank amr salary thk deduct krbe,,dats it ar kichuna,,ebar ami per month
oi advnc account e 1450 kre joma di,,10 month e khotom
Aisob er jaigai ami HOME ,CAR LOAN nile jegulo bllm sob formality i hto jegulo custmr er upor dieo
jai
ASA KORI CLEAR HLO....

12. KNOW YOUR CUSTOMER (KYC)

KYC is an acronym for Know your Customer, a term used for customer identification process. It
involves making reasonable efforts to determine true identity and beneficial ownership of accounts,
source of funds, the nature of customers business, reasonableness of operations in the account in
relation to the customers business, etc which in turn helps the banks to manage their risks prudently.
The objective of the KYC guidelines is to prevent banks being used, intentionally or unintentionally by
criminal elements for money laundering.
KYC has two components - Identity and Address. While identity remains the same, the address may
change and hence the banks are required to periodically update their records.
SOME FREQUENTLY ASKED QUESTIONS:
1. Is there any legal backing for verifying identity of clients?
Yes. Reserve Bank of India has issued guidelines to banks under Section 35A of the Banking
Regulation Act, 1949 and Rule 7 of Prevention of Money-Laundering (Maintenance of Records of the
Nature and Value of Transactions, the Procedure and Manner of Maintaining and Time for Furnishing
Information and Verification and Maintenance of Records of the Identity of the Clients of the Banking
Companies, Financial Institutions and Intermediaries) Rules, 2005. Any contravention thereof or non-
compliance shall attract penalties under Banking Regulation Act.
2. I want to keep a fixed deposit in a bank. Is KYC - applicable to me?
Yes. KYC is applicable to customers of the bank. For the purpose of KYC following are the
Customers of the bank.
a person or entity that maintains an account and/or has a business relationship with the bank;
one on whose behalf the account is maintained (i.e. the beneficial owner);
beneficiaries of transactions conducted by professional intermediaries, such as Stock Brokers,
Chartered Accountants, Solicitors etc. as permitted under the law, and
any person or entity connected with a financial transaction which can pose significant reputational or
other risks to the bank, say, a wire transfer or issue of a high value demand draft as a single
transaction.
3. Is there any procedure specified for Customer Identification?
Customer identification means identifying the customer and verifying his/her identity by using reliable,
independent source documents, data or information. Banks have been advised to lay down Customer
Identification Procedure to be carried out at different stages i.e. while establishing a banking
relationship; carrying out a financial transaction or when the bank has a doubt about the
authenticity/veracity or the adequacy of the previously obtained customer identification data.
4. Once KYC requirements are complied with while opening the account, whether the bank can again
ask for KYC compliance from me?
Yes. To ensure that the latest details about the customer are available, banks have been advised to
periodically update the customer identification data based upon the risk category of the customers.
Banks create a customer profile based on details about the customer like social/financial status,
nature of business activity, information about his clients business and their location, the purpose and
reason for opening the account, the expected origin of the funds to be used within the relationship and
details of occupation/employment, sources of wealth or income, expected monthly remittance,
expected monthly withdrawals etc. When the transactions in the account are observed not consistent
with the profile, bank may ask for any additional details / documents as required. This is just to
confirm that the account is not being used for any Money Laundering/Terrorist/Criminal activities.
5. I had submitted my driving licence as a proof of identity and address but still the bank asked for
telephone / electricity bill.
There are two aspects of Customer Identification. One is establishing identity and the other is
establishing present residential address.
For establishing identity, the bank requires any authentic document carrying photo of the customer
such as driving licence/ passport/ pan card/ voters' card etc. Though these documents carry the
residential address of the customer, it may not be the present address. Therefore, in order to
establish the present address of the customer, in addition to passport/ driving licence / voters' card /
pan card, the bank may ask for utility bills such as Telephone / Electricity bill etc.
6. Whether KYC is applicable for Credit Cards/Debit Cards/Smart Cards?
Yes. Application of full KYC procedure is necessary before issuing Credit Cards/Debit Cards/Smart
Cards and also in respect of add-on/ supplementary cards.
7. If I refuse to give information on KYC asked for by the bank, what action the bank can take against
me?
Where the bank is unable to apply appropriate KYC measures due to non-furnishing of information
and /or non-cooperation by the customer, the bank can consider closing the account or terminating
the banking/business relationship after issuing due notice to the customer explaining the reasons for
taking such a decision.

13. AAM ADMI BIMA YOJNA

Ministry of Finance, Government of India has approved the merger of Social Security Schemes viz.,
Aam Admi Bima Yojana (AABY) and Janashree Bima Yojana (JBY).
The merged scheme is renamed Aam Admi Bima Yojana and has come into effect from 01.01.2013.
A) DETAILS OF THE SCHEME:
Eligibility criteria :
i)The members should be aged between 18 years completed and 59 years nearer birthday.
ii) The member should normally be the head of the family or one earning member of the below
poverty line family (BPL) or marginally above the poverty line under identified vocational group/rural
landless household.
2. Nodal Agency:
Nodal Agency shall mean the Central Ministerial Department/State Government / Union Territory of
India/any other institutionalized arrangement/any registered NGO appointed to administer the
Scheme as per the rules. In the case of Rural Landless Households, the nodal agency will mean the
State Government/Union Territory appointed to administer the Scheme.
3. Age Proof: a) Ration Card
b) Extract from Birth Register
c) Extract from School Certificate
d) Voters List
e) Identity card issued by reputed employer/Government Department.
f) Unique Identification Card (Aadhar Card)
4. Premium:The premium to be charged initially under the scheme will be Rs.200/- per annum per
member for a cover of Rs.30,000/-, out of which 50% will be subsidized from the Social Security Fund
. In case of Rural Landless Household (RLH) remaining 50 % premium shall be borne by the State
Government/ Union Territory and in case of other occupational group the remaining 50% premium
shall be borne by the Nodal Agency and/or Member and/or State Government/ Union Territory.

14. BSBDA: BASIC SAVINGS BANK DEPOSIT ACCOUNT IMPORTANT POINTS

The Basic Savings Bank Deposit Account allows you to bank with a zero minimum balance
requirement. All the existing No-frills accounts opened by the banks are now converted into BSBDA
in compliance with the guidelines issued on August 22, 2012 by the Reserve Bank of India (RBI).
Under the Basic Savings Bank Deposit Account (BSBDA) scheme of Reserve Bank of India:
1.The Basic Savings Bank Deposit Account should be considered as a normal banking service
available to all customers (Any individual, including poor or those from weaker section of the society),
through branches.
2.BSBDA guidelines are applicable to all scheduled commercial banks in India, including foreign
banks having branches in India.
3.The services available in the account will include deposit and withdrawal of cash at bank branch as
well as Free ATMs-cum-Debit Card; receipt/credit of money through electronic payment channels or
by means of deposit/collection of cheques drawn by Central/State Government agencies and
departments.
4.There will be no limit on the number of deposits that can be made in a month, account holders will
be allowed a maximum of four withdrawals in a month, including ATM withdrawals.
5.No charge will be levied for non-operation/activation of in-operative Basic Savings Bank Deposit
Account.
6.Holders of Basic Savings Bank Deposit Account will not be eligible for opening any other savings
bank deposit account in that bank. If a customer has any other existing savings bank deposit account
in that bank, he/she will be required to close it within 30 days from the date of opening a Basic
Savings Bank Deposit Account.
7.One can have Term/Fixed Deposit, Recurring Deposit etc., accounts in the bank where one holds
Basic Savings Bank Deposit Account.
8.The Basic Savings Bank Deposit Account would be subject to RBI instructions on Know Your
Customer (KYC) / Anti-Money Laundering (AML) for opening of bank accounts issued from time to
time. If such account is opened on the basis of simplified KYC norms, the account would additionally
be treated as a Small Account.
9.Limits in BSBDA (Accounts with introduction/ Small Accounts):
1. Aggregate of all credits in a financial year does not exceed Rs.1.00 lac
2. The aggregate of all withdrawals and transfers in a month does not exceed Rs.10,000/-
3. Balance at any point of time does not exceed Rs.50,000/-.
4. The aim of introducing BSBDA is part of the efforts of RBI for furthering financial inclusion
objectives.

15. MEGA VALUATIONS OF 2014-

635 bn $- Tim cook (apple)
385 bn $- Satya nadella(microsoft)
368 bn $- Rez tillersom(Exxon Mobil)
360 bn $-Wareen buffet(Berkshire Hathaway)
349 bn $-Larry page(google)
293 bn $-Zhou jiping(petrochina)
291 bn $-Alex Gorsky(johnson &johnson)
276 bn $-John stumpf(wells fergo)
271 bn $-C douglas mcmilon(walmart)
263 bn $-Yi huiman(icbc).

16. HOW DOES UR ENGG WILL HELP BANKING

Direct kichu bola jabena bt tao u can try these points,,amio eguloi blechlm,,,ektu hat k ans tao attn
seeker to htei hbe karon max engg...
1.Being an engg i am more tech savvy than others (comp/it/ece hole nijer gyan jhoranor sujog thakbe)
which is the x-factor in this age of comptn
2. Probationary ofiicer post i the entry level post in any bank and it requires immense potentiality and
leadership qlty
as exmples:
A. engg college e tech fest or cultural fest sobari hoeche,,,oi din mal kheye pore thakleo intrvw er din
nijk kono ekta departmnt er head bolte hbe nd bolte hbe under e atlest 10-15 ta publc chilo
B. final yr project leader bola jete pare
C. class represntatv etc etc
3. engg college means a bunch of people from various state,,,sarajibon deser murkho theke highly
educated diffrnt languages, culture er customer handling krte hbe,,so u hav a point to say that i
already hv a little expsr of that tht will help me in grooming myself,,,onyo state er lokjon collg e na
thakleo mittha bola jetei pare specialy assam,bihar,up,jharkhand,orissa nie,,keu query korte jbena j
tor batch e kotha thk kota chele chlo.. (jara hostel e chili tader kache suborno sujog,,gaja mod gulo
bad die)
4. count the number of subjects u went through ur 8 semestrs,,den divide it by 8,,say 80 ta subject,,so
per sem almst 10 subject,,,jader marks vlo btech e say cgpa 7.5+ tara bltei pare j sir generly we had
3-4 months in our hand,bt u knw in engg collg people usually do not study upto that extent,,,amader
hat e last one month tai thakto,,tateo extreme syllabs,,viva,,lab egulor pressure k katieo amar final
reslt fair enough,,,thus engg taught me how to handle worst and extrm pressrzd situations which will
defntly help us in banking as pressure never ends in banking sector
17. PROMOTIONAL HIERCHY OF BANK OFFICERS
1 Scale 1- Asst Manager
2. Scale 2- Manger/Dty Manager
3. Scale 3- Senior Manager
4. Scale 4- Chief Manager
5. Scale 5- Asst General Manager
6. Scale 6- Deputy General Manager
7. Scale 7- General Manager
beyond that u will absorbed by Finance Ministry, Govt of India
Next
8. Executive Director
9. Chairman & Managing Director

18. PRADHAN MANTRI JAN DHAN YOJNA

Pradhan Mantri Jan Dhan Yojana is an ambitious scheme for comprehensive financial inclusion
launched by the Prime Minister of India, Narendra Modi on 28 August 2014.He had announced this
scheme on his first Independence Day speech on 15 August 2014.
On the inauguration day, 1.5 Crore (15 million) bank accounts were opened under this scheme.
SBI had opened 11,300 camps for Jan Dhan Yojana over 30 lakhs accounts were opened so far,
which include 21.16 lakh accounts in rural areas and 8.8 lakh accounts in urban areas. On the
contrast, even taking together all the major private sector banks, have opened just 5.8 lakh accounts.
FIVE IMPORTANT FEATURES OF THE PM JAN DHAN YOJNA:
1. Under the scheme, account holders will be provided zero-balance bank account with RuPay debit
card, in addition to accidental insurance cover of Rs. 1 lakh.
2. Those who open accounts by January 26, 2015 over and above the Rs1 lakh accident, they will be
given life insurance cover
of Rs 30,000.
3. Six months of opening of the bank account, holders can avail Rs 5,000 loan from the bank.
4. With the introduction of new technology introduced by National Payments Corporation of India
(NPCI), a person can transfer
funds, check balance through a normal phone which was earlier limited only to smart phones so far.
5. Mobile banking for the poor would be available through National Unified USSD Platform (NUUP) for
which all banks and
mobile companies have come together.

19. HIGH, MEDIUM, LOW RISK CUSTOMERS:

1. HIGH- jesob customer der busns activty,,,source of income thk money laundrng,,terror
finance,,,human trafckng hbar chance khub besi tader k HIGH RISK bole.
EXMPL-
1. Jesob custmr ra CBI,RAW,RBI,INTERPOL er dagi asamir list e ache
2. Custmrs comng u/s 51A of UNLAWFUL ACTIVITIES ACT
3. Politicaly exposed persons and their relatives
4. Trusts, NGO/NPOs specly jegulo interntly connectd bt except jegulo UNITED NATIONS dara
promoted
5. Antique dealer, gold diamnd merchant
6. Arms,ammuntn, explosive manufctr
7. Embassy and consulate
8. Investmnt and money managmnt compny
9. Emn kno company jar situation branch thk onk dure
10. Erokm kno buisnsman jar ac e freqntly high value transctn hoi
11. NRE Acnts
12. High net worth persn
Erokm prochur exmpl chorie chitie ache
MEDIUM-
1. Export import
2. NBFC
3. Restaurants
4. Mobile store
5. Cyber cafe
6. Gas agency
7. Car dealer
8. Wholesale electronics
9. Retail store
10. Food store
11. Movie theatre
12. Chotokhato CA, LAW FIRM
13. Stock brokrg
14. Travel agency
LOW-
Jesob customer high r medium catgry te pore na r jader source of income and indentity nie bank puro
convincd tarai low risk
Exmpl
1. Salaried person jar salary per month nie bank er clear idea ache
2. Ac of govt,psu emplys
3. Govt ownd cmpny, Govt dept ac like corporation er, block devlpmnt ofc er, panchayat er
4. NGO/NPOs promoted by UNITED NATIONS
5. Jsob custmr dr onk din dhre bank er sthe relatn ache bt high and medium catgry te porena
6. Acs of lower middlclss persns whose annual turnover and ac blnc remain alwys low

20. PONZI SCHEME-

Suppose there ar two jat chamarsss,,,so dujone dinner krte krte thik korlm cholo gie desher
hotovaggyo lower middle class somaj k poth e bosai,,,,baes r ki chai,,,kichu boro boro honu er help
nie ekta fake company khola hlo,,,,naturally ki hoi ekta compny khule age nijer capital die r kichu
investor der kach thk taka nie ekta productive kichu kre tar thk j net profit ta earn krbo seta thk investr
der tader share ta dbo jetak dividend bole ble jani,,,etai amader mtn sadamata manush der normal
concept...
BUT ponzi scheme ai janoar gulo age target kore kon area er kon kon manush gulo kom risk nie onk
higher return chai,,,so tara ai lok gulok target kre kichu lovonio offer die jerkm golmaal movie te oi
princpl k dewa hto j ekta 1 ta lighter kinle ekta flat free,,,,lykwise era psu or pvt bank er thk onk besi
intrst provd kre deposit e r bole 5 mas e taka double lyk phir hera pheri 25 din me paisa double etc
etc....
So amra hotovaggyo bharatbasi ra oi lov e paa diei di...
Ebar dhoro ponzi cmpny ta person A,B,C,D,E,F,G,H er thk deposit nieche ebr bleche 15% 20% intrst
dbo,,,amount double kre dbo,,,,so ederk to taka ferot ditei hbe,,,tokhn ai haramzada gulo aro kichu
murgi dhore same toop fele say ntun murgi hlo person X,Y,Z,J,K,L,,,,,,eibarai ntun murgi der thk taka
nie purono murgi der ferot dei and the cycle goes on,,,,,so financiak term e the ponzi compny is
repaying to old investors ( purono murgi) after collecting money from new investors (notun
murgi),,,,,not doing ANY PRODUCTIVE BUISNS,,,,so erm vbei ntun lok er thk taka nie purono lok der
paymnt kra hoi...
Bt prob ta tokhn create hoi jokhn purono investr der paymnt krar jonnyo sufficient money collection
hoina new investor der kach thk,,,,besidin erokm cholle PONZI COMPNY COLLAPSE krbe lyk
SARADHA,,,r tarpor er case to kno bangalir kachei ojana noi...

21. ACCOUNT OPENING OF A PARDANASHIN MUSLIM WOMAN-

1. Normally ac na kholai vlo ,,risk factor high
2. Jodio kholo tao photo nitei hbe ad RBI ble dieche a signature cant b a substitute of photograph
3. So frst ekta photo nao
4. Second signature nao r ota attestd krao guardian k die,,,married hle husband,,,,plus ro ekjn family
member k die attstd krate hbe
4. Parle guardian er ekta photo nie nao
5. Ac khola hoe gelo
6. Withdrw krar tym custmr k aste hbe r ekta discharge letter dte hbe j so n so amt withdrw
krbo,,,,,,plus guardian k aste hbe plus ekjon independnt ekjon witness k die sign krate hbe
## ETO KRAR POR IF U R SATISFIED DEN U CAN PAY...

22. VERY VERY VERY IMPORTANT REGARDING KYC NORMS BY THE RBI-
KYC nie sobari kom besi idea ache so oisb theortcl discsn r krbna borong RBI recently KYC NORMS
e kichu modifictn kreche jeta jana khub drkar as PANEL sob smy updated public der prefer kore...so
ebr bawal gulote asa jak
1. Ekhn r photoid nd addrss prf er jnyo duto separate documnt na dileo cholbe ,,,ekta single docmnt e
jdi id r adrs dutoi thak den one single docmnt is suffcnt to open a bank account like VOTER
ID,,DRVNG LC,,,ADHAR,,,PASSPORT etc
2. Jodi tmar permant r curnt adrs same na hoi ta sotteo tmi ac khulte parbe like banking ekta trnsfrbl
job so amr voter card e kolkatar addrs ache bt ajk assam e ami jdi ekta state bank e ac khulte chai
den amr kolkatar adrs wala voter card suffcnt bt amk ekta self attested declrtn dte hbe j amr current
adrs guwahati bt permnt adrs kolkata,so apnara amr snge communict krte hle kolkata er adrs ei
krben,,,ai ta besi kaj lage migrated daily waged worker der jnyo
3. Jodi amar PNB DUNLOP BR e ekta ac thak ar otak ami SINTHI MORE BR e trnsfr krte chai den
alada kno docs lgbe na jdi DUNLOP BR e amr ac ta fully KYC COMPLIED thak
4. Jodi ekta ooj paragar gorib manush ese tok bole j kono docs nei bt ac khulbo tai tui ac khulte
baddho,,baes or thk ekta self attstd declartn r selfattstd photo nite hbe,,,kntu 1 yr er mddhe ok docs
joma krte hbe,,,within 1 yr o jodi tok valid proof dekhai j ami pan or voter er jnyo apply korechi bt aseni
tahle tmi oi 1 yr period tak aro xtra 1 yr extend krte paro,,,conditn hcche j eisob ac e sara bochor e 1
lakh er upor joma kora jbena,,,ac e net effectv balance kono time ei 50000 cross krbena r ek mas e
10000 er besi withdrawl kra jbena
5. KYC DOCUMENT k ekta time interval er por update krte hoi jtak periodic updatation ble,,,ei time ta
hchhe HIGH RISK CUSTMR er jnyo proti 2 yr,,,MEDIUM RISK CUST er jnyo proti 8 yr r LOW RISK
CUST er jnyo proti 10 yrs ontor update krte hbe
6. SELF HELP GROUP ac e sob member der individual KYC lgbena,,,jara SHG er behalf e bank er
sthe transctn krbe i.e. PRESIDENT and SECRETARY of SHG sudhu ai dujoner full kyc lgbe.
7. Foreign student der khetre ek mas er relaxtn dewa hoi tader ntun local addrs proof joma dbr jnyo...
23. INOPERATIVE/ DORMANT AC-

Je sob ac e continuous 2 yrs kno transctn hoina both debit (taka tola) and credit (taka joma dewa) den
eta inoprtv or dormant ac
1. Ekhn bpar hchhe 3 types of transctn hoi BANK INDUCED ( bank amr ac e taka dhokachhe ba tule
nichhe), CUSTOMER INDUCED ( customer nij ei nijer ac e taka joma dicche,,tulche),3rd PARTY
INDUCED( mane amar kno bndhu amar ac e taka joma dieche after debitng his own ac by
neft/rtgs/m-bnkg/e-bnkng/chq anythng)
2. Ai j dormnt ac e debit credit er bpar ta consdr kra hoi tate kichu concept ache jerkm sobai janis j
bank onk charge kate jeta system time mtn kete nei lyk minimum blnc maintain kreni,atm
charge,inopertv chrg etc,,,,,,jdi erokm kn charge bank kate den ota debit credit e consider kra
hbena,,,,mane ami 2 yrs e ghore bose ghumie chlm and bank ei service chrg gulo amr ac thk debit
kreche ta sotteo amar ac DORMANT hoe jbe,,,bt dhoro amar bndhu taka joma dilo amr ac e dat is 3rd
PARTY INDUCED or ami ekta fixed deposit khulechi ar bole rekhechi j interst ta monthly amr savngs
e credit kre dao,,tokhn kintu eta debit credit er mddhe dhora hbe,,,ami ebr jdi barite 2 yrs ghumie thaki
bt amr ac e ai 3rd PARTY or FIXED DEP intrst credit er case hlo tokhn kntu amar ac DORMANT
HBENA
2. UNCLAIMED DEPOSIT- same as DORMANT sudhu eta hbe jdi kono ac e 10 yrs debit credit na
hoi,,,tarmane etai daralo j kono ac dormant declrd hbar por r o 8 yrs kono transctn na hle otak
UNCLAIMED DEPOSIT ble..
#### SAVINGS R CURRENT AC E KONO OSUBIDHA NEI,,,,FIXED OR RECURRNG DEPOSIT E
MATURITY DATE THK OI 2 or 10 yrs ta CONSIDER KRA HOI

24. SHARE v/s BOND v/s DEBENTURES

Esob onk boro boro.bpar,,,khub depth e na geleo khoti nei
Sohoj vasai egulo ek ekta investmnt option bt 3 ter mddhe diffrnc ache kichu
1. SHARE- Sob thk besi risky invstmnt,,no security at all,,,,puro depend korche market condtn er
upor,,,,jodi vlo thak den expctn er thk besi mal kori ghore dhukte pare bt kopal khrp hle sob taka jole
chole jbe,,,,,bt SHARE e interst sb thk besi dewai hoi comprtv to BOND n DEBENTURES,,,as share e
security tao sb thk kom,,,j compny er share e invst krcho tar financial result vlo hle high dividend (
mane compny er profit thk j vag ta shareholder der dewa hoi) pbe otherwise low paymnt pbe
BOND- Sob thk besi secured tai intrst rate tao sob thk kom,,,bond e invest krle tumi assured kichu
paymnt pbeiii
3. DEBENTURES- eitai invest krle security BOND er thk kom bt intrst BOND er thk besi....
TARMANE COMPANY ER JAI CONDTN HOK FRST PAYMNT PBE BOND HOLDER,,THEN
DEBENTURES HOLDER,,,THEN SHARE HOLDER...
Tai jnyoi SHARE e security nei bt intrst high r BOND sob thk besi secured bt intrst sob thk kom...

25. TYPE OF SECURITIES IN LOAN

Mainly 3 te type...
1. HYPOTHECATION- Defntn paoa jbe SECTION 2(n) of SARFAESI ACT 2002,,,,kichuina
serokm,,,,as an exampl dhora jak CAR LOAN,,,ete ki hcche?
Ekta HYUNDAI I10 kenar jnyo Mr GANGULY loan nieche ABC Bank er kach thk
so jotodin na ABC Bank er puro loan Mr GANGULY Repay krbe totodin oi HYUNDAI I10 er upor ABC
Bank er legal odhikar thakbe that is termed as ' HYPOTHECATED TO ABC BANK',,,,,so etar deftn
erkm daralo j e hypothctn loan e the BORROWER (Mr. Ganguly) takes the actual possession ( mane
jar kche Car ta thkbe) of the asset ( Hyundai10) which is MOVABLE but it will be hypothecated to
LENDER ( ABC BANK) untill the borowr repays all the loan amount with inrst... LENDER has the right
to sell the CAR to recover its loan amount if there will b any DEFAULT ( jodi Mr. Ganguly chuglibazi
mere taka dewa puro bndho kre dei) by the BORROWER (Mr Ganguly)...
RASTA GHATE CHOLTE CHOLTE ONK BUS,TRUCK ER PICHONE 'HYPOTHECTD BY so and so
BANK' dekha jai
2. PLEDGE- eitar defintn dewa ache under section 172 of indian Contract Act...etao pati jinis,,,take an
exmpl- GOLD LOAN, LOAN AGAINST FD, NSC etc
So ei case ta hchhe LENDER takes the actual possession of the MOVABLE ASSET ( FD recpt or
Gold jewlry) mane BANK tomak loan dilo bt tomar fd,sona goina jetak securty rakha hoeche BANK
setak nijer kche rekhe dbe,,,tumi edik chulkani marle paymnt nie r o dik e bank tmar malpotro beche
poisa tule nbe tai ei loan gulo FULLY SECURED
3. MORTGAGE- etar defintn pbe under section 58 of Transfer of Property Act 1882
Etao same as HYPOTHCTN bt ektai VITAL DIFFERNC ACHE jeta hchhe ekhaner BORROWER
takes the Actual Possession of the Asset bt the Asset will be IMMOVABLE jeta HYPOTHCTN e
MOVABLE chilo,,,,mind it.....
Exampl- HOME LOAN
Jotodin loan er taka metabe borrower totodin oi bari ta bank er kche MORTGAGE thkbe ar HOME/
HOUSE ta IMMOVABLE PROPERTY eta bolai bahullyo .
Defintn of IMMOVABLE PROPERTY:
J property ta permantly earth er sthe attachd or j property emn kono jinis er sthe attached jeta earth er
sthe permantly attachd..

26. FDI and FII-

1. FOREIGN DIRECT INVESTMENT:
Jokhon kno foreign head qtrd company amader desh e ese nijeder buisns suru krbe by establshng an
new office or by opening a wholely owned subsidiary den it is called FDI
Exmpl- say IBM er head qtr hlo USA te,,,So IBM india er market e elo named IBM IND PVT LTD jeta
IBM GLOBAL SERVICES er ekta wholely owned subsidiary,,,eta to r oto sohoj bpar noi,,,IBM
elo,,Govt er permsn nilo,,FDI rules mante hlo,,SEZ sanction krate hlo,,etogulo city te erkm five star
office banalo,,employee recruit krlo,,,aro onk kichu,,,so IBM er jnyo possbl noi j hothat kre INDIA the
busns gutie nie nebe as ora ekta huge invstmnt kreche so FDI amader jnyo favourbl as its a STABLE
type of investmnt.
2. FOREIGN INSTITUTIONAL INVESTOR:
Jokhn kono foreign investor amader desh e head qtrd kono cmpny ta invest krlo or kichu ta share
kinlo den etak FII bole
Exmpl-
INFOSYS er head qtrd BENGALURU so eta deshi compny,,jokhn bidesh er kno mal ese INFOSYS er
kichu share kinlo or kno vbe invst krlo den etak FII blbo,,,,but eta FDI er thk onk kom favourable as FII
krte gele oi foregnr k jst ekhankar share market e name regstr kralei hbe,,se j kno din nijer share
beche die tolpitolpa gutie chompot dite pare karon or orkm kno liblty nei FDI er mtn,,,orkm kno
khorchao nei,,,tai eta a type of UNSTABLE investmnt,,,tai FDI is alwys favrbl dan FII

27. WHAT IS THE DIFFERENCE BETWEEN RETAIL INVESTORS AND INSTITUTIONAL

INVESTORS?
There are two categories of investors in the financial markets: retail investors and institutional
investors. The differences between the two dictate not only the size of the trades they make, but also
the types of companies and financial instruments in which they invest their monies.
The term retail investors is synonymous with individual investors. The majority of retail investors
buy and sell stocks in round lots, where a round lot refers to 100 shares. This is not to say an
individual cant place an order to buy or sell 50, 25, or even just a single share of a companys stock,
but it often isnt cost effective to do so because of the commissions that must be paid. It would be
foolhardy to buy one share of a stock that was selling for $10 a share if the fee to do so is almost that
amount, for example.
Institutional investors are just what the name implies: large institutions, such as banks, insurance
companies, pension funds, mutual funds, and exchange-traded funds (ETFs), that buy and sell
securities for their investment portfolios. In contrast to retail investors, institutional investors engage in
block trades, which is an order to buy or sell 10,000 or more shares at a time. As might be expected,
a large trade by an institutional investor can significantly affect the price of the security being bought
or sold.
This being said, most institutional investors are not big players in the market for the stocks of the
smallest companies; that market is largely left to retail investors, who are often attracted to invest in
smaller firms because of their lower prices. An individual may be able to afford to invest in a
diversified portfolio of 10 to 20 stocks in the $5 to $20 price range, while he might have trouble
affording even one round lot of a stock with a 3-digit price tag.
Institutional investors, who trade 10,000 or more shares at a time, tend to avoid investing in
companies that are selling for less than $10 a share. For one thing, these mega-investors are
investing large sums of money when they opt to purchase shares of a firm, and a significant number
of investment dollars directed to a smaller firm could result in the institutional investors acquiring a
high percentage ownership of the company, which is not what most institutional investors want. For
one thing, this adversely affects the liquidity of the investmenti.e., the institutions ability to sell the
shares on the market place for little or no loss in value when and if it chooses to do so. And, for some
institutional investors, its a violation of securities laws to do so. For example, mutual funds, closed-
end funds, and exchange-traded funds that choose to register as diversified funds must meet the
diversification requirements outlined in the Investment Company Act of 1940, which restricts the
percentage of a single companys voting securities that these funds can own.
Both retail investors and institutional investors invest in bonds, options, and futures contracts as well
as in stocks, but some markets, such as the swaps and forward markets, are primarily institutional
investor arenas, largely because of the nature of the instruments and/or the manner in which
transactions take place.

28. ' BANK IS BACKBONE OF OUR ECONOMY' or ' HOW DOES BANKING HELP TO IMPROVE
OUR ECONOMY'???
1. Banking act as a bridge between the people who have surplus money and the people who need
money
2. Bank creates a savings habit amongst people
3. Banking contributes around 12% of overall Indian GDP growth
4. We can do E-share trading, Mutual Funds, paymnt of bills through internet and mobile banking
services which save precious times of Customers
5. Most Imp hlo CAPITAL MOBILISATION:
Asan bhasa me ekta Bank ekjon khub gorib manuser thk taka joma nilo as savings habit already
create kra hoeche by making them financialy literate,,offering various attrctv deposit schemes,atm
etc...
Ebar erokom choto boro sob manuser thk taka nie setak PRODUCTIVE SECTOR e invest krlo loan
hisabe die,,,eisob sector er upor amader Econmy darie,,,ekhane PRIORITY SECTOR LENDING er
concept gulo bjhate hbe....
PS LENDING charai INFRUSTRC Sector eo investmnt kra hoi,,,,jetao Economy as well as amader
STANDRD OF LIVING k increase kre
Den Letter of Credit, Demand draft esob issue kore bank 2to Party er mddhe ekta Intermidry hisabe
kaj kre jeta amader NATIONAL as well as INTEENATIONAL BUISNS k increase kre karon eguloi
boro boro transcrn r busns krar rasta as paymnt gulo to bank i krbe
INTERNTNL BUSNS BARLE AUTOMATIC AMDR FOREIGN EXCHANGE RESERVE BARBE....
6. Banking Sector ekta huge emplymnt generate kre
7. SUMMARY-
Valo kre bojho,,etai sob...
Bank mainly two types of loan dei-
A. RETAIL LOAN i.e. Home,Car,Pension,Personal etc etc
So egulo jodi manush k dewa hoi tarmane tar ekta gari kenar mtn poisa hlo,,,so automatic se jdi
marutir kche gari kinte jai mane Maruti ok gari dbe as bank to poisa die dieche already tar mane erkm
joto RETAIL LOAN ( exmpl- CAR LOAN) sanction hbe toto lokojon er gari kenar capacity barbe ar
lokjoner chahidao din k din barte thkbe i.e. INCREASE IN DEMAND
B. CORPORATE LOAN-Mane boro boro loan,,,RETAIL LOAN er exampl tak continue jdi kori den
lokjoner demand joto barbe
MARUTI COMPNY k toto besi gari tairi krte hbe r tae jnyooo ekta hugeee amt of money drkr ar tokhn
BANK MARUTI K LOAN DEBE r seta hbe CORPORATE LOAN to ensure that MARUTI can achieve
the targetd units of car production i.e. INCREASE IN SUPPLY
Therefore INCREASE IN DEMAND + INCREASE IN SUPPLY= OVERALL ECONOMIC
DEVELOPMNT

29. GST
One of the biggest taxation reforms in India -- the Goods and Service Tax (GST) -- is all set to
integrate State economies and boost overall growth.
GST will create a single, unified Indian market to make the economy stronger.
The implementation of GST will lead to the abolition of other taxes such as octroi, Central Sales Tax,
State-level sales tax, entry tax, stamp duty, telecom licence fees, turnover tax, tax on consumption or
sale of electricity, taxes on transportation of goods and services, et cetera, thus avoiding multiple
layers of taxation that currently exist in India.
But just what is GST all about and how will it impact you?
What is GST?
Goods and Services Tax -- GST -- is a comprehensive tax levy on manufacture, sale and
consumption of goods and services at a national level.
Through a tax credit mechanism, this tax is collected on value-added goods and services at each
stage of sale or purchase in the supply chain.
The system allows the set-off of GST paid on the procurement of goods and services against the GST
which is payable on the supply of goods or services. However, the end consumer bears this tax as he
is the last person in the supply chain.
Experts say that GST is likely to improve tax collections and boost India's economic development by
breaking tax barriers between States and integrating India through a uniform tax rate.
What are the benefits of GST?
Under GST, the taxation burden will be divided equitably between manufacturing and services,
through a lower tax rate by increasing the tax base and minimizing exemptions.
It is expected to help build a transparent and corruption-free tax administration. GST will be is levied
only at the destination point, and not at various points (from manufacturing to retail outlets).
Currently, a manufacturer needs to pay tax when a finished product moves out from a factory, and it is
again taxed at the retail outlet when sold.
How will it benefit the Centre and the States?
It is estimated that India will gain $15 billion a year by implementing the Goods and Services Tax as it
would promote exports, raise employment and boost growth. It will divide the tax burden equitably
between manufacturing and services.
What are the benefits of GST for individuals and companies?
In the GST system, both Central and State taxes will be collected at the point of sale. Both
components (the Central and State GST) will be charged on the manufacturing cost. This will benefit
individuals as prices are likely to come down. Lower prices will lead to more consumption, thereby
helping companies.

30. DBTL BECOMES WORLD'S LARGEST DIRECT BENEFIT TRANSFER SCHEME

The ambitious scheme of giving cash subsidy on cooking gas directly to consumers has become the
world's largest direct benefit transfer with 2.5 crore households getting about 550 crore rupees since
15th of last month. The direct benefit transfer on LPG (DBTL), under which cash subsidy is paid to
consumers so that they can buy cooking gas at market price. The scheme was rolled out in 54
districts and will be extended all over the country from next year 1st of January.
Talking to reporters in New Delhi yesterday, Minister of Petroleum and Natural Gas Dharmendra
Pradhan said that in 54 districts 75 per cent of the population is covered by DBTL. He said, the
scheme has surpassed number of beneficiaries in direct benefit transfer programmes in China and
Brazil. Mr Pradhan said, large number of users joining the scheme and his Ministry has received
3,000 complaints in which 80 per cent have been addressed within 7 days.

31. PRIORITY SECTOR LENDING:

(NICHER SECTOR GULO AMADER ECONMY K DEFINE KRE BT ALWYS NEGLCTD HOI TAI RBI
PS LENDING ER CONCEPT ENECHE JATE OVERALL DEVLPMNT HOI)-
1.Agriculture- Direct and Indirect
2. MSME- Direct and Indirect
3.Education
4.Housing
5.Export credit
6. Others
PARAMETERS:
1.TOTAL PS LENDING MUST BE 40% of ANBC i.e.
Adjusted Net Bank Credit,,easy term e total lendable
resources of bank
2. TOTAL AGRI ADVNC MUST BE 18% of ANBC,,,MIND
IT 18% of ANBC ,,not 18% amongst those 40%..
3. 18% is subdivided- 13.5% in Direct Agri and 4.5% in
Indirect Agri
4. ADVANCES TO WEAKER SECTIONS 10% of ANBC
5. ADVANCES to WOMEN BENEFICIARIES 5% of ANBC
6. Rest under DRI SCHEME i.e. Differential rate of
interest scheme,,,this scheme was started by Govt of
India in 1972,,main focuswas to give loan to weaker
community at an concessional rate 4% p.a,,,40% of
total DRI loan should go to SC/STs,,,,income criteria
under this scheme is Rs 24k/annum in Urban and
Semiurban area,,,,Rs 18k/annum in Rural area,,,2/3rd
of total DRI loan must be through Rural/Semiurban
branches of bank,,,,Maximum Loan amt for DRI is Rs.
15000,,,maximum repaymnt within 5 yrs including 2
yrs of grace period,,,,physical handicapped can avail
25k loan nd sc/st can avail home loan upto 20k......
BANK PS LENDING ER TARGET FULFILL KRTE NA
PARLE BANK K RBI FINE KORBE AR JOTOTA
SHORTFALL THAKBE SEI AMOUNT TAK RIDF i.e.
RURAL INFRUSTRUCTR DEVELOPMNT FUND E
RKHTE HBE which is maintnd by NABARD nd tate interest rate onk kom thakbe around 6.5% jeta
normal er thk jothesto kom
'WEEKER SECTION" means Small and Marginal
farmers,,,beneficiariesof NATIONAL RURAL
LIVELIHOOD MISSION,,SC,ST,SWARNA JAYANTI
SHAHARI ROZGAR YOJAN etc,,,,
Jesob farmer der upto 1 hectare land thak tader
MARGINAL r above 1 hec bt less than 2 hectr land
thakle tader SMALL farmer bole
LIMIT-
1. Housng upto 15 lkhs in RURAL nd 25 lkhs in METRO AREA where popultn is10 lkhs+
Repairng er jnyo upto 1 lkh in RURAL nd 2 lkhs in URBAN
2.,EDU LOAN upto 10 lkhs desh e r bidesh e upto 20 lkhs
3. MSME SECTOR e upto 5 cr PS LENDNG,,,er upore gle PS hbena

32. CABINET MINISTERS 2014

[1] Personnel, Public Grievances and Pensions; Department of Atomic Energy Department of Space;
All important policy issues and all other portfolios not allocated to any Minister ------ Narendra Modi
[2] Home Affairs ------ Rajnath Singh
[3] External Affairs, Overseas Indian Affairs ---- Sushma Swaraj
[4] Finance, Corporate Affairs, Information & Broadcasting ---- Arun Jaitley
[5] Urban Development, Housing and Urban Poverty Alleviation, Parliamentary Affairs ----- M.
Venkaiah Naidu
[6] Road Transport and Highways, Shipping ---- Nitin Jairam Gadkari
[7] Defence ----- Manohar Parrikar
[8] Railways ------ Suresh Prabhu
[9] Law & Justice ------ D.V. Sadananda Gowda
[10] Water Resources, River Development and Ganga Rejuvenation------ Uma Bharati
[11] Minority Affairs ----- Dr. Najma A. Heptulla
[12] Consumer Affairs, Food and Public Distribution ----- Ramvilas Paswan
[13] Micro, Small and Medium Enterprises ------ Kalraj Mishra
[14] Women and Child Development -------- Maneka Sanjay Gandhi
[15] Chemicals and Fertilizers ------ Ananthkumar
[16] Communications and Information Technology ----- Ravi Shankar Prasad
[17] Health & Family Welfare ------ Jagat Prakash Nadda
[18] Civil Aviation ------- Ashok Gajapathi Raju Pusapati
[19] Heavy Industries and Public Enterprises ------ Anant Geete
[20] Food Processing Industries ------- Harsimrat Kaur Badal
[21] Mines, Steel ------ Narendra Singh Tomar
[22] Rural Development, Panchayati Raj, Drinking Water and Sanitation ----- Chaudhary Birender
Singh
[23] Tribal Affairs ------- Jual Oram
[24] Agriculture ----- Radha Mohan Singh
[25] Social Justice and Empowerment ------ Thaawar Chand Gehlot
[26] Human Resource Development ------ Smriti Zubin Irani
[27] Science and Technology, Earth Sciences ----- Dr Harsh Vardhan

33. PVT LTD V/S PUBLIC LTD COMPANY:

1. MINIMUM no of SHAREHOLDERS- 2 for PVT and 7 for PUBLIC
2. MAXIMUM NO OF SHAREHOLDERS- 50 fot PVT and NO LIMIT in PUBLIC
3. MINIMUM NO OF DIRECTORS- 2 for PVT and 3 for PUBLIC
4.INVITATION TO PUBLIC FOR SHARES AND DEBENTURES- Its PROHIBITED for PVT and
PERMITTED for PUBLIC
5. TRANSFER OF SHARES- Its RESTRICTED for PVT and FREELY TRANSFRBL for PUBLIC...

34. WEST BENGAL MINISTERS.

1. Mamata Banerjee- Chief Minister of West Bengal
Also- Ministry of Home Affairs;Ministry of Health & Family Welfare;Ministry of Land & Land
Reforms;Ministry of Information & Cultural Affairs;Ministry of Hill Affairs;Ministry of Minority Affairs &
Madrassah Education;Ministry of Personnel & Administrative Reforms;
2 . Partha Chatterjee- Ministry of Parliamentary Affairs,Ministry of School Education ,Minister of
Higher Education
3. Amit Mitra - Ministry of Finance, Ministry of Excise,Ministry of commerce and industry,Ministry of
industrial reconstruction,Ministry of public enterprise,Ministry of information&technology
4. Madan Mitra-Ministry of sports,Ministry of transport
5. Manish Gupta - Ministry of power
6 . Subrata Mukherjee -Ministry of Public Health Engineering, Ministry of panchayat & rural
development
7. Abdul Karim Chowdhury - Ministry of Mass Education Extension and Library Services
8 . Sadhan Pande -Ministry of Consumer Affairs
9 . Upen Biswas -Ministry of Backward Class Welfare
10. Javed Khan -Ministry of Disaster Management,Ministry of Fire and Emergency Services,Ministry
of Civil Defence
11. Sabitri Mitra- Minister without portfolio
12. Jyotipriya Mallick - Ministry of Food & Supplies
13 . Santiram Mahato - Ministry of Self Help Group & Self Employment
14. Haider Aziz Safwi - Ministry of correctional administration
15. Purnendu Bose - Ministry of Agriculture
16. Bratya Bose- Ministry of Tourism
17. Rachhpal Singh- Ministry of Planning, Statistics & Programme Implementation
18. Binay Krishna Barman - Ministry of Forest
19. Goutam Deb - Ministry of North Bengal Development
20. Sankar Chakraborty- Ministry of pwd
21. Rabiranjan Chattopadhyay - Ministry of Science and Technology,Ministry of Biotechnology
22. Sudarshan Ghosh Dastidar - Ministry of Environmental Affairs
23. Ujjal Biswas - Ministry technical education&training
24. Shyam Mukherjee- Ministry of textiles
25. Firad Hakim - Ministry of Municipal Affairs,Ministry of Urban Development
26. Sukumar Hansda - Ministry of Paschimanchal Unnayan Affairs
27. Somen Mahapatra - Ministry of Water Resources Investigation & Development
28. Aroop Roy - Ministry of Agricultural Marketing
29. Chandranath Singha - Ministry of fisheries
30. Krishnendu Narayan Chowdhury- Ministry of horticulture&food processing industries
31. Rajib Banerjee - Ministry of irrigation &waterways
32. Aroop Biswas - Ministry of housing,Ministry of youth affairs
33. Majulkrishna Thakur- Ministry of refugee,relief&rehabilitation

35. PRE-2005 NOTES WILL NOT WORK AFTER 30TH JUNE 2015
The deadline for exchanging pre-2005 currency notes of various denominations including Rs 500 and
Rs 1,000 has been extended by another six months till June 30, 2015.
"The Reserve Bank of India has stated that the public can do so till June 30, 2015. Earlier in March
2014, it had set the last date for public to exchange these notes was January 1, 2015," the RBI said in
a statement.
The apex bank clarified that all such notes will continue to remain a legal tender. These notes can be
exchanged for their full value, it added.
As per the latest data, 73.2 crore pieces of Rs 100 note (Rs 7,320 crore); 51.85 crore pieces of Rs
500 (Rs 25,925 crore), and 19.61 crore pieces of Rs 1,000 (Rs 19,610 crore) have been shredded in
the the RBI's regional offices from January to October this year.
How to identify notes issued before 2005:
You can easily distinguish the currency notes issued before 2005 as these currencies do not have the
year of printing on reverse side. The year of printing is visible at the middle of the bottom row in notes
issued after 2005.
Will pre-2005 notes have no monetary value after 31 March?
The Reserve Bank has clarified that the notes issued before 2005 will continue to be legal tender.
This means currency would hold monetary value but would be only acceptable at banks where the
public can exchange the notes. In other words, the pre-2005 notes would be acceptable only at
banks.
How to exchange pre-2005 notes:
Old notes will continue to be legal and can be exchanged in any bank. However, from July 1, 2014,
persons seeking exchange of more than 10 pieces of Rs 500 and Rs 1,000 notes will have to furnish
proof of identity and residence to the bank. If you are an account holder of the bank, these proofs are
not needed.
Why the RBI is withdrawing notes issued before 2005:
The RBI has said that notes printed prior to 2005 have fewer security features compared to banknotes
printed after 2005. The RBI has already been withdrawing these bank notes from the market in a
routine manner through banks.

36. CRAR (CAPITAL TO RISK WEIGHTD ASSET RATIO)/CAD(CAPITAL ADEQCY RATIO)-

2008 e all over world e recession eschlo sobai jane seta thk bachar jnyoi ai CONCEPT ta eneche
BASEL COMITE ON BANKING SUPERVISION consistng the Governors of G-10 countries
Bparta hchhe 2008 er age US er onk bank emn prochur custmr dr loan diechlo jader repaymnt
capacty chlona tai bank gulo collapse kore jai ja allover world k effect kore
CRAR e ekta bank er health kirokm ba r bipod er somoy tackle korar jnyo jothest ba adequate capital
ache kina bank er kche ta bojha jai
Formula CRAR=((Tier1+ Tier2 capital)/Risk weightd Asset)*100
According to Basel 3 norms eta 9% ( actualy basel onuzai 8% but RBI indian bank der bleche 9%)
minimum hte hbe so bank chai around 12% thak jate
EBAR BPAR TAK JOL VAT KORA JAK
CAPITAL mane bank jeta thk income generate krte parbe
T1 CAPITAL mane jesob capital k easily liquidate ba cash e convert kra jabe lyk common share,
prefernce share etc,,,T1 capital bank er kno loss k absorb kre without stopping bank's function,,,etak
financial term e CORE CAPITAL o.bole
T2 CAPITAL- eita T1 er thk less liquid,,etak SUBORDINT or SUPPLMNTRY CAPITAL o bole,,,,bank
jodi bndho hoe jai tokhni ai capital ta kichuta loss absorb kre tai er importnc T1 er thk kom,,,examples
hlo Debt (Bond),Loss resrv,fully covrtbl debentures,,emn kno debt ja hoito ekhn payback krte hbena
bt future krte hte pare, off balance sheet items jgulo normly e balnc sht e include kra hoina eisobb r
ki...
Ebar ekta Simple example newa jak BANK XYZ er onk dhoroner Asset ache jerokm dhoro HOME
LOAN,CASH, GOVERMNT SECRTY TE INVSTMNT,,OTHERS COMMERCIAL LOAN,,,CAR LOAN
etc
So eta bojhai jchhe j sob loan er risk mane repaymnt hbr chnc soman noi,,konotar besi konotar kom
jemon HOME LOAN e risk besi,,GOVT SECURTY te kom erokm,,,,so ei RISK involvmnt er upor
depend kre EACH LOAN and OTHER ASSET(Example- INVESTMNT) gulok RBI ekta percntg dieche
according to risk associatd with the same,,,say GOVT SECTRT te risk neii tai 0%,,,HOME LOAN e
compartvly besi risk tai 50% erokm,,,se ek lomba list ache,,amader oto jene luv nei,,let d RBI Officers
handle those things,,amra kichu imagnry figure nie calculation krbo
Jodi BANK XYZ er total 100 taka ASSET thak jarmddhe dhorak jak CASH 20 taka ( risk weightg 0%
as fully secured,,,,GOVT SECRTY 10 taka ( Risk wtg 0%),,HOME LOAN 40 taka ( Risk wtg 50% as
risk onk besi),,,,CAR LOAN 20 taka ( Risk wtgg 40%),,,OTHER COMMERCIAL LOAN 10 taka ( Risk
wtg 10%)...
So total RISK WEIGHTD ASSET = (20*0%)+(10*0%)+(40*50%)+(20*40%)+(10*10%)=29...
MEANS 29= RISK WEIGHTD ASSET(RWA)
CRAR minimum 9% mandatory mane JODI AMAR BANK ER TOTAK RISK WEIGHTD ASSET 100
units hoi then oi bank er CAPITAL ADEQUECY MINIMUM THKTE HBE 9 units,,,mane 100 units RWA
er jnyo 9 units resrvd rkhteiii hbe r taka na thkle market e share charo r taka income kre ni aso
otherws the BANK IS NOT FINANCLY SAFE AT ALL FOR DEPOSITORS,,JEKNO DIN UTHE JETE
PARE,,,,So amader example CRAR 9% fixed,,,RWA hlo 29,, so amader capital requirmnt that is T1
nd T2 hte hobe pati chotobelar patigonit
CAPITAL (T1+T2)= (9*29)/100= 2.62 taka roughly according to mentioned formula....
Jodi 2.62 (TOTAL CAPITAL ADEQCY) er thk kom resrve thak den khorchar khatai chole gelo bank..
Etai ekhn Banking Industry er sob thk boro chlng oi CRAR ta 9% er upor achieve kra mane
COMPLIANCE OF BASEL 3 NORMS
SUMMARY
1. CRAR IS A RATIO BY WHICH FINANCIAL STRENGTH OF A BANK IS EXPRSD
2. FORMULA IS BANK'S CAPITAL(T1 i.e. Net worth+T2 i.e. Subordinate Debt) divided by TOTAL
RISK WEIGHTD CREDIT EXPOSURE i.e. LOANS
3. IF A BANK HAS HIGH CRAR MEANS IF SOME LOANS OF THE BANK TURN INTO NPA THEN
THE BANK CAN MAKE UP FROM IT'S NET WORTH i.e. T1 CAPITAL
4. CRAR INDICATES THE CAPACITY OF A BANK TO MEET IT'S TIME LIABILITY,OPERATIONL
RISK,CREDIT RISK AND MARKET RISK
5. In one single line OBJECTIVE OF CRAR IS TO GIVE THE DEPOSITRS SECURITY THAT THEIR
DEPOSTS SAFE AND TO GIVE BANK A PLATFORM TO COUNTER ANY ADVERSE SITUATION

37. 2 LAKH ER UPOR KI NEFT KRA JBE?

Kra jabe bt ami kndn kre dekhini,,,bt prosno hlo ami krte jbo kno???
NEFT er working is a DNS that is deferrd net settlmnt mane hchhe j eta one hr interval e ekta ekta
batch e hoi,,,29th decembr onwards new circular onuzai revised time frame for NEFT is Mon- Fri 8.00
am to 6.30 pm and Sat 8.00 am to 12.30 pm and incase of RTGS its 8.00 am to 8.00 pm for Mon-Sat
and 8.00 am to 3.30 pm for Sat....
So dhoro ami finacle thk NEFT marlm den ota frst jbe sei bank er TREASURY BRANCH e,,okhane
sob thikthak thkle den ota RBI er through die beneficiary ac e credit hbe tao batch wise mane ekhon
taka dhokale dekhbe gche 1.30-2 hrs por
RTGS eo same route diei transctn hoi bt eta REAL TIME basis e hoi mane transctn krar sthe sthe
cust ac credit hoe jbe
SO JEKHANE NEFT EKTA TIME TAKING BPAR R RTGS REALTIME BPAR,,,TO AMK JKHN 2 lacs
er MTN HIGH VALUE TRANSCTN KRTE HBE,SO AMI OI LONGEST ROUTE TA NEBO KNO,,,AMI
PATI RTGS I KRBO...
CHARGES FOR THE SAME-
NEFT-
Upto 10k its Rs 2.5+ service tax(ST)
10001-1 Lakh its Rs 5 + ST
100001- 2 lacs its Rs Rs 15 + ST
2 lacs and above Rs 25 + ST
RTGS-
2 lacs to 5 lacs its Rs 25-30
5 lacs and above its Rs 50-55

38. QUERIES ABOUT RUPAY CARD OF PMJDY-

1. RuPay Card is indigenous debit card issued by NPCI. India is the 4th only country after US, JAPAN
and China to have its own debit card. RuPay Card comes with in-built insurance coverage of Rs. 1
lakh accidental death and permanent disability. HDFC Ergo is the insurance company for this
purpose.
2. The claim under Accidental Death and / or Permanent Disablement shall be payable only if the
RuPay Card holder has carried out at least one successful financial or non-financial purchase (Point
of Sale) at a merchant establishment or at ATM or Micro ATM or e-commerce transaction, up to 45
days prior to the date of incident resulting into Accidental death / Permanent Disability.
3. Personal Accident Insurance is open to everyone from the age of 18 years to 70 years. It may be
noted that age below 18 and beyond 70 year will not be eligible.
4. Accidental Insurance coverage of Rs 1 lakh is available on each RuPay Card issued before or after
16.08.2014.
5. NPCI (National Payment Corporation of India) will bear the premium of insurance. Neither Bank nor
customer needs to pay the premium.
6. RuPay Card is to be issued to each account opened under PM Jan Dhan Yojna.To personalize the
RuPay Card, name of the Account holder is to be written on the card with Permanent Marker, before
handing over to customer.
Card is to be invariably activated in the CBS on same day after delivery.
7. CLAIM PERIOD WITHIN WHICH CLAIM IS TO BE LODGED BY THE CUSTOMER/ RELATIVES &
REQUIRED DOCUMENTS-
Claim is to be lodged within 60 days of the accident.
1) Duly filled and signed claim form, 2) FIR copy, 3) Post mortem report, 4) Cause of Death -
certificate
5) Death Certificate 6) Viscera report (If done) 7) Passport, Pan card, Aadhaar card, address proof
(KYC documents)

39. BPS- BASIS POINT SYSTEM

1 BASIS POINT= 0.01% ,,,,Mr. Rajan jokhn Monetry Policy declare koren den changes gulo % e na
bole BPS e bolen,,,mane nw REPO hlo 8% ,,jdi etak 8.20% kra hoi den onader vasay 20 BASIS
POINT INCREASE HLO...

40. CHEQUE NIE SOBARI KOM BESI IDEA ACHE EBAR EKTU DEMAND DRAFT & BANKER'S
CHEQUE/MANAGER'S CHEQUE/PAY ORDER NIE VABNA CHINTA KORA JAK-
Let us assume a situation ki Mr.ARNAB is a Engg student of IIT,KANPUR,,,,othocho tar bari
KOLKATA te,,,IIT boleche j semestr fee 30000 taka ta ekta DD banie dite hbe...so ARNAB gie PARK
CIRCUS er UCO BANK thk ekta 30000/- takar DD banalo favouring IIT,KANPUR payable at
KANPUR...ebar tini KANPUR gie IIT te oi DD ta joma dilo...
Say IIT,KANPUR er UCO BANK,KANPUR branch ei account ache,,,tokhn oi DD ta IIT,KANPUR thk
UCO,KANPUR branch e jabe r taka ta IIT er ac e credit hoe jbe aftr clearing the DD...
HIGHLIGHTS OF THE INCIDENT-
1. DRAWER- UCO, PARK CIRCUS BR
2. DRAWEE- UCO, KANPUR BR
3. PAYEE- IIT, KANPUR
BUT,,,jodi IIT KANPUR er UCO te account na thak ,,,borong SBI KANPUR e account thak tahleo no
problm oi DD TA THROUGH CLEARING HOUSE IIT KANPUR ER ACCOUNT E CREDIT HBE...
JUST LIKE CHQ CLEARING OF OTHERS BANK,,ALREADY POSTED IN THIS GROUP...
So main features of DD-
1. It is a prepaid instrument
2. Drawer & Drawee both r Banks
3. It is used for OUTSTATION and LOCAL clearng
4. DD k vangie kokhonoi cash paymnt kora jabena,,,always PAYEE account e credit korte hbe
5. Ami jkno branchei DD banai na kno seta same bank er all india j kno branch e vangate
parbo,,,OTHERS bank hole through CLEARING PROCESS
6. Koni customer jdi PNB te DD banate jai but tar jdi PNB te account na thak den tak cash paymnt
kore DD banate hbe,,bt etar limit hchhe maximum 49999/- strictly,,,mane non-customer ra ei limit
obdhi DD krte parbe,,for customers there is no such limit..
BANKER'S CHEQUE (BC)/PAY ORDER (PO)/ MANAGER's CHQ ( MC) hlo same as DD but duto
VITAL DIFFERENCE ACHE J
1. Eita konodin OUTSTATION CLEARING e use hbena,,,eta sudhu LOCAL CLEARING e use hbe
2. JE BRANCH ISSUE KORBE EITA,,EKMATRO SEI BRANCH EI ETA VANGANO or CLEAR kora
jabe,,,all india te kono branch e noi,,,jodi BC/PO/MC onnyo kono bank ar clearing er through dieo ase
taholeo j branch thk issue kreche oi branch e asbeiii,,,it's mandatry
EBAR IIT KANPUR EXAMPLE TAK ONNYO VBE DEKHA JAK--
ARNAB jodi IIT,KANPUR er samnasamni kno branch say UCO BANK 'ABCD' BRANCH thk BANKR's
CHEQUE banai then ota nie IIT KANPUR e dile IIT otak UCO.BANK KANPUR BR e joma dbe,,tokhn
oi BC ta UCO BANK 'ABCD' branch e asbe vanganor jnyo as BC je branch thk issue kra hoeche one
n only oi branch thekei vangano jbe,,,so vanganor por IIT KANPUR A/c credit (+) hoe jbr,,,so semestr
fee joma hoe jbe..OTHER BANK HOLE Through CLEARING PROCESS- Same concept,,,bt jai hok
na kno BC tak UCO BANK'ABCD' BRANCH e astei hbe,,ultimate orai BC ta vangabe...
In this case, DD na holeo cholbe,,,kintu KOLKATA thk jodi banie nie jete chao then one and only
DD.....

41. COMPONENTS IN BANK'S BALANCE SHEET-

ASSET-
1.FIXED ASSET means bank er chair table, computer, ac, buildg eisob
2. LOANS & ADVANCES as egulor interst thekiii BANK income generate kore
3. CASH means j cash ta bank er nijer kache ache and j resrvd cash ta bank RBI ba onyyo kono
BANK er kche rekheche
4.INVESTMENTS- Bank jodi kothao Invest kore den okhan thko ekta profit generate hbe tai etao
asset
LIABILITY-
1.SHARE CAPITAL means BANK er intial CAPITAL e jesob shareholder der vag chilo
1.PREFERENCE SHARE means jai hok oi shareholder gulok poisa ditei hbe
2.DEPOSITs- Svngs/Current/Recurrng/Fixed
3.UNCLAIMED or DORMANT deposits
3. BORROWINGS- Jodi RBI or other BANK thk dhar kore thak

42. LAF v/s MSF

oi sei short term period er jnyo taka lgle COMRCL BANK gulo RBI er thk nei oi GOVT secrts die
REPO & REVRS REPO agrmnt kore)LAF:
1. LIQUIDITY ADJUSTMNT FACILITY
2. RBI er je kno CLIENT like COMMRCIAL BANK, CENTRAL GOVT & STATE GOVT sobai GOVT
SECURITY kenar jnnyo AUCTION e part nite parbe.
3. Minimum Bidding amount 5 Cr.
4. Bank jototta amount Security dite parbe toto amount obdhi borrow krte parbe RBI er thk
5. SLR quota te jesob GOVT SECRTY ache segulok BANK sell krte parbena that's the restriction
6. REPO & REVRS REPO use hoi,,say REPO RATE hlo x%
MSF:
1. MARGINAL STANDING FACILITY
2. Only SCHEDULED COMMERCIAL BANKs gulo GOVT SECURITY kenar jnnyo AUCTION e part
nite parbe.
3. Minimum Bidding amount 1 Cr.
4. Bank can lend maximum upto 2% of its NDTL..
5. SLR quota te jesob GOVT SECRTY ache segulok BANK sell krte parbe
6. MSF is (x+1)%
OMO (OPEN MARKET OPERATIONS)
1. Same LAF & MSF ,,,,ei dutote one party buys Government security from second party. But second
party has agreed to buy back (repurchase) the same security from first party after some time. So
Government security is not permanently sold, it is only used as a collateral
2. But incase of OMO, first party permanently sells the Government security to second party. Second
party is free to do whatever it wants with that security.
MORAL OF THE STORY:
1. When RBI purchases Government securities =liquidity increased (because RBI is paying that party
some money to buy that security, right? so RBI is pouring additional money into the system.)
2. On reverse, when RBI sells Government securities= liquidity is decreased. (because those players
are giving their cash to RBI to purchase the securities= money is sucked out of the system by RBI).
THATS ALL ABOUT CRR,SLR,REPO,REV REPO,LAF,MSF,OMO
QUANTATV MEASURES OF MONETORY POLICY- CRR, SLR, REPO, REV REPO
QUALATATV MEASURES OF MONETORY POLICY- LAF, MSF, OMO

43. CLEARING PROCESS OF CHEQUES OF OTHERS BANK-

Dhoro amar PNB- DUNLOP te a/c ache,,,ami ekta PVT cmpny te JOB krchi,,,bt amar COMPNY er a/c
ache SBI (SHYAMBAZAR BR) te,,so salary dewar time amar CMPNY amak ekta SBI (SHYMBZR) er
A/C PAYEE CHEQ DILO,,,AMI GIE OTAK AMAR PNB-DUNLOP TE JOMA DILAM AR 3 DINER
MDDHE AMAR PNB A/C E TAKA TA CREDIT HOE GLO,,,,KINTU KIVAB?????????
First PNB-DUNLOP oi CHQ tak nearest SERVICE BRANCH e pathalo,,,ekhane OTHERS BANK er
CHEQUE PROCESS HOI....SERVICE BRANCH er ekjon EMPLOYYE hlo Mr. X,,,,25/11/2014 date e
SERVICE BR e total 200 ta OTHERS BANK ER CHQ JOMA PORECHE,,,,tarmddhe 50 ta SBI, 50 ta
BOB, 50 ta UBI, 50 ta UCO er....SO ekhn Mr.X as a REPRESENTATIVE OF SERVICE BRANCH OF
THAT AREA OF PNB oi sob kota CHQ k bank wise segregate kore nie jabe CLEARING HOUSEe
CLEARING HOUSE e sob BANK nijer name e ekta CURRENT A/C MAINTAIN KORE,,,,like Mr. X
sekhane SBI,BOB,UBI,UCO er o SERVICE BRANCH ER REPRESENTATIVE rao esche,,,Mr. X
tokhn 50 ta CHQ SBI er REPRESNTVE k,,,50 ta UCO er REPRESNTVE k,,50 ta BOB er
REPRESNTVE k,,,50 TA UBI er REPRESNTVE k dile dilo,,,thik serokomiiii oraoo to PNB er kichu
CHQ nie esche,,,say ora total 40 (10 kre eneche each bank) ta PNB er CHQ nie esche,,,tokhon ora oi
40 ta CHEQUE die debe Mr.X ke,,,,
DEWA DEWIR GOLPO SESH HLO,,,Ebr hisab kora hbe kon BANK er koto taka DEBIT (-) hbe r koto
taka CREDIT (+) hbe,,,means say Mr.X je 50 ta SBI CHQ enechlo tar total amount of VALUE is
50000/-,,ar SBI er malta je 10 ta CHQ PNB k dilo tar total VALUE 10000/-,,,EKHN EACH BANK OI
CLEARING HOUSE E CURRENT A/C TA HOLD KORCHE,,,So SBI er oi CURRENT A/C THK
50000/- TAKA DEBIT (-) HBE & CREDIT (+) HBE PNB ER CURRENT A/C TA LIKEWISE PNB ER
CURRENT A/C TA 10000/- TAKA DEBIT (-) HBE & CREDIT (+) HBE SBI ER CURRENT A/C...
EIVABE JOTO GULO BANK ACHE SAY 50 TA,,TARA NIJEDER A/C DEBIT CREDIT KORE EKTA
RECONCILIATION (BALANCED or SAMMONNGOSSYO) KORBE jetak 'INTER BANK NET
SETTLEMENT ' BOLE,,TARPOR NIJER NIJER BANK ER CHEQUE NIE SERVICE BRANCH E
CHOLE ASBE..
EBAR SBI ER MAL TA oi 50 ta CHQ jar mddhe amar SALARY CHQ tao ache seta nie SBI ER
SERVICE BR e chole asbe,,,SERVICE Br tokhn oi CHQ gulok J J BRANCH ER NAME E ACHE
SEKHANE PATHIE DEBE mane DUNLOP, SINTHI, BALLUGUNG, PARK CIRCUS, SHYAMBAZAR
BR erokom r ki,,,,
Erpore ki hobe??????
SBI- SHAYAMBZAR br e amar COMPANY er A/C ache,,ota oi br e jawar por amader COMPANY er
A/C DEBIT(-) hoe jbe and CREDIT(+) hbe SBI-er SERVICE BR er A/C (Eta korbe SHYMBZR
Br),,,then SERVICE BR A/C DEBIT(-) hbe and CREDIT (+) hbe SBI er CLEARING HOUSE er
CURRENT A/C( Eta korbe SBI er SERVICE BR)...er pore FINAL RECONCILIATION jokhn hbe tokhn
oi SBI CLEARNG HOUSE CURRENT A/C DEBIT (-) hbe ar CREDIT(+) hbe PNB CLEARING HOUSE
CURRENT A/C (Eta korbe CLEARNG HOUSE OFFICIALS),,,,Er pore PNB er kache taka ese gelo,,oi
PNB er CLEARNG HOUSE A/C DEBIT(-) hoe PNB SERVICE BR A/C CREDIT(+) HBE,,,FINALLY
PNB-SERVICE Br A/C DEBIT(-) & AMAR PNB DUNLOP Br er A/C CREDIT (+) hbe..
IMPORTANT JDI COMPANY A/C E POISA NA THAK DEN OTA ABAR AMAR PNB DUNLOP E
FIRE ASBE THROUGH SERVICE BR & CLEARING HOUSE ETAK BOLE 'RETURN CLEARING'..ER
JONNYOI OI DEBIT CREDIT (RECONCILIATION) TAO CLEARNG HOUSE ER CURRENT A/C ER
THROUGH TEI HBE,,,EITA KINTU OI 'FINAL RECONCILIATION' ER AGE HBE....R jodi all ok thak
den aramse jevab bollm ovabe CHQ PASSED hoe jbe
AR SAME BANK ER CHQ HOLE KONO PRONLEM I NEI AS NOW SOBIII CORE BANKING
SYTEM,,TAI BRANCH THKEI HOE JEB,,ATO JAHMELA NEI,,,AMAR O SBI TE A/C THAKLE AMI
JODI AMAR COMPNY CHQ TA SBI BALLYGUNG E JOMA DITAM DEN OTA SONGE SONGE
AMAR A/C E CREDIT HOE JTO,,,PROBLEM HOE GCHE AMR A/C TA PNB TE HOWA TE

44. NDTL (NET DEMAND AND TIME LIABILITIES)-

Hope CRR,SLR,REPO,REVR REPO all clear...so CRR r SLR er tym bola hoechlo j 4% and 22% of
NDTL,,,eta ki??eta hlo bank er Net Time & Demand liabilities,,BANK GULOK DAILY RBI ER KACHE
REPORT PATAHTE HOI J AMAR NDTL So n So,,,and we are maintaing So n So % of CRR & SLR
Time Liabilities-
1. Fixed deposits (FD) & Recurring Deposits (RD)
2. Gold Deposits
3. Cash Certificate
4. Kono kono bank PO recruit korar age security money nei say 50k,,otak 2-3 yrs por ferot dite hbe
setao er mddhe pore
Demand Liabilities-
1. Savings a/c deposits
2. Current a/c deposits
3. Demand drafts/Pay order/Managers or Bankers Cheque
4. Deposits in Dormant and Unclaimed A/cs
45. CURRENT ACCOUNT DEFICIT:
er mddhe duto jinis ache balance of paymnt and balance of trade,,,sunte boro boro lgche,,,bt serkm
kichuna,,,ektu concentrt krlei bjha jbe,,,esb core econmcs tai besi details intrvwr rao expect krbe na
but keep ur basics clear
1.balance of trade e ekta country export r import ke nly include kra hoi,,,so formula is BOT= india nijer
deshe toiri mal bideshe bikri kore joto taka income krche- india bidesh thek mal kine joto taka khorcha
krche,,,so eta poriskar j export besi hle BOT always favourble r import besi krle tar ulto mane baansh
hoe jbe jeta ekhn hchhe,,,BOT e nly cost of GOODS consider kra hoi
2.but but but balance of paymnt e export import,,investment,,cash transfer sob kichui include kra hoi
means BOP is nothng but overall cash transfer betwen india and rest of the world,,,so BOP=
BOT(export-import)+ INVSTMNT ( amra bidesh e invest kre joto taka kamachhi- bideshira india te
invest kre joto taka kamie nie jachhe)+CASH TRANSFER like remittance,gift,donation,,kno supportve
help or aid etc,,,,so BOP e cost of GOODS + SERVICE dutoi consider kra hoi
3.BOP te duto account thak CURRENT r CAPITAL
Therefore BOP= CURRENT AC+ CAPITAL AC
so amra sob smy etai chaibo j CURRENT AC e jate excess balance thak jate amra bidesh thk jesb
loan niechi jeta thak CAPITAL ac e seta sob mitie dite pari,,,bt eta hchhena as CURRENT Ac e
amader shortage ache r CAPITAL ac er dhardena metanor jnyo abr foreign thk loan nite hchhe with
higher intrst rate,,,,ei j shortage hcche CURRENT AC e,,,etak CURRENT ACCOUNT DEFICIT bole
4. BOP BOT egulo RBI er balance sheet e thak,,,bt er details e na geleo hbe
5. CURRENT AC DEFICIT ta world er economc condtn,,govt er excise customs duty,,cost of
production,,raw material egulor upor depend kore,,,tai etak limit e ante gle amader domestic product
besi use krte hbe jate import ta komate pari........

46. Those who have gone through the post of OTHERS BANK CHQ CLEARING...
Some more value added points-
1. Amr CHQ ta PNB er jdi hoi,,,ar ami jdi oi CHQ tak SBI er kche joma di as amr ACCOUNT ache SBI
te,,,PNB te kno account nei,,,thes it is a case of OUTWARD CLEARING for SBI...
2. In general,,,finally oi SBI er SERVICE br account DEBIT(-) hoe amar Savings ac CREDIT(+)
hoi,,,ager post e puro process tai bola ache,,,,actually CASE TA EKTU DIFFERENT HOI.
PLEASE NOTE THAT:
CLEARING HOUSE a Sob RECONCILIATION ba thik thak adan prodan er por last e jokhon SBI er
SERVICE BRANCH er account CREDIT HBE den oi CHQ er puro amount ta say 4000 taka
,,,,SERVICE BR amar oi SBI BRANCH (jekhane ekdom suru te joma krechlm) er 'INTER CBS
BRANCH COLLECTION PARKING ACCOUNT' e CREDIT(+) kre debe..
Eto boro name ta sune voi lgche????nothing to fear when CBS is here,,,,,Asole ai account tak
PARKING bolche karon ei account e khub alpo somoy er jnyo taka rakha jai,,,,just CAR PARKING in
SOUTH CITY MALL er sthe compare kro,,,tumi gari nie gele,,parking e rkhle but raat e bari ferar tym
e tomak gari ta bar kre nie parking khali korte hbe,,,,tmi to r sara raat otak parking e fele rkhbena.....ai
account er balance END OF DAY (EOD) PROCESS of individual branch krar age ZERO krte hoi
otherwise tumi day end kortei parbena
So oi SBI er BRANCH ,,,ai INTER CBS ACCOUNT( sob branch er erkm ekta account thak specly for
OUTWARD CLEARING) tak DEBIT (-)krbe,,,,but etar pore ki ora amar SAVINGS AC ta puro 4000
taka diei CREDIT(+) krbe??????? Naaahhhhh..
SBI er ki dorkar porechilo vai amar PNB er CHQ tak CLEARING e pathie etoooo jhamela kre amak
poisa debar!!!! Tai SBI er jnyo ekta charge katbe i.e. SERVICE CHARGE FOR OUTWARD
CLEARING,,,it differs from BANK to BANK and upon AMOUNT of CHQ which was sent for
CLEARING,,,,onk gulo range thak jerokm upto 10000 er CHQ er jnyo 20 taka,,,10k to 1 lakh er jnyo
50 taka,,,1 lakh to 5 lakh er jnyo 100 taka etc etc....
So oi accordng to the random figure given above,,,amar CHQ er value 4000,,,,r upto 5000 service
charge hlo 20 taka
Now SBI will DEBIT(-) the INTER CBS account and erpore 2 to CREDIT (+) hbe,,,1st CREDIT (+) hbe
amar SAVINGS AC by amount of (4000-20)= 3980/- and the 20/- will be CREDITED to "OUTWARD
CHQ CLEARING COMMISSION" account e,,,,,IT IS A SINGLE DEBIT AND DOUBLE CREDIT
OPERATION..
Amio taka pelam,,,SBI nijer mehnat er fol tao pelo..kono kono branch abr eta follow kre na,,,bt keno
janina,,eta BANK er NON INTEREST INCOME (income apart from loan's interst) er mddhe
pore,,,Branch er profit e dhukbe
ATTLAST PROCESS COMPLETE
Asa kori ager post ta jara bujheche eta bujhteo prob hbena..

47. IMPORTANT POINTS REGARDING RBI MONTRY POLCY:

1. NO Maximum & Minimum limit for CRR
2. Max limit for SLR is 40%, No Minimum
# CRR er age UPPER and LOWER LIMIT CHILO r SLR ero LOWER LIMIT CHILO BUT WAS
REMOVED IN AMENDMNT OF BANKING REGULTN ACT 1949,,,,,,in JANUARY 2007
3. Why REPO is alwys higher than REVERSE REPO?
Ans. Age oi 1% or 100 BASIS POINT besi hbe eta fixed chilona,,,RBI pore etak 1% fixed kore
dei,,,,era keno besi rakhe asol explntn hoito orai dite parbe bt tao ja mne hoi
Monetory Policy te REPO RATE barie RBI amader SYSTEM thk taka absorb kore nei,,,ki vabe sobai
jani karon REPO joto besi hbe toto besi Intrst die BANK k RBI thk taka nite hbe otchocho BANK jodi
RBI er kche taka rkhe den Intrst kom pbe,,tar mane hlo BANK er baansh kore dite hbe nahle capital
absorb kora jbena,,,Suppose REPO jdi REVRSE REPO er thk KOM hto den mane ta ektu advut
darabe na j ami RBI er thk KOM intrst e LOAN nicchi othocho BANK nij jokhn RBI er kache taka rkche
tokhn BESI INTRST pachhe,,,tahle ar BANK gulok baansh die system thk excessd CAPITAL ta ki
kore absorb korbe RBI?? borong ULTO CASE hoe jbe....EBAR JDI REPO=REVERSE REPO hoi den
j rate e RBI er thk BANK LOAN nebe abr sei RATE ei INTRST PBE RBI er thk jodi BANK taka rkhe
RBI er kche,,,so eteo to kono luv nei,,,EXCESS TAKA TA ABSORB TO R RBI KORTE
PARBENA,,,TAI HOITO REPO IS ALWYS GREATER THA REVERSE REPO,,,
4. CRR keno kom r SLR keno besi??
CRR er BANK j taka ta RBI er kche e rkhe setai to CASH PAYMNT kora hoi,,mane tomra BANK e
gele sunei thakbe 'TAKA NEI,ASCHE, TAR POR PAYMNT HBE' means VAULT e sufficient taka nei
tai nearby CURRENCY CHEST thk taka ana hchhe,,ai CHEST er TAKA ta puropuri RBI er
sompotti,,BANK eri RSERVE,,,So daily CASH trnsctn to r 500-600 Cr takar hoina tai oi RESERV ta
kom r SLR hlo BORO SORO SENSE e USE hchhe,,SLR er mddhe GOLD, GOVT SECRTY, RBI
BOND esb rakha hoi,,CRISIS er somoy egulok LIQUIDATE (i.e. market e sell kore cash e convert kra)
kre BANK Recovery kore
,,,so ata khub poriskar j EI BOND,GOLD Eder FINANCIAL VALUE onk BESI r BORO BORO CREDIT
FAILURE E EGULO UTILISE KORE tai SLR besi...
##### COMPLTLY AMAR PERSONL MOTAMOT EGULO,,DETAILS & ACCURATE ANS er jnnyo
Contact Mr.Rajan, RBI Buildg,MUMBAI

48. SARFAESI ACT 2002

The full form of SARFAESI Act as we know is Securitisation and Reconstruction of Financial Assets
and Enforcement of Security Interest Act, 2002. Banks utilize this act as an effective tool for bad loans
(NPA) recovery. It is possible where non-performing assets are backed by securities charged to the
Bank by way of hypothecation or mortgage or assignment.
Upon loan default, banks can seize the securities (except agricultural land) without intervention of
the court.
 SARFAESI is effective only for secured loans where bank can enforce the underlying security eg
hypothecation, pledge and mortgages. In such cases, court intervention is not necessary, unless the
security is invalid or fraudulent. However, if the asset in question is an unsecured asset, the bank
would have to move the court to file civil case against the defaulters.
How it works?
The SARFAESI Act, 2002 gives powers of "seize and desist" to banks. Banks can give a notice in
writing to the defaulting borrower requiring it to discharge its liabilities within 60 days. If the borrower
fails to comply with the notice, the Bank may take recourse to one or more of the following measures:
Take possession of the security for the loan
Sale or lease or assign the right over the security
Manage the same or appoint any person to manage the same
The SARFAESI Act also provides for the establishment of Asset Reconstruction Companies (ARCs)
regulated by RBI to acquire assets from banks and financial institutions. The Act provides for sale of
financial assets by banks and financial institutions to asset reconstruction companies (ARCs). RBI
has issued guidelines to banks on the process to be followed for sales of financial assets to ARCs.
Background of the act:
The previous legislation enacted for recovery of the default loans wasRecovery of Debts due to Banks
and Financial institutions Act,1993. This act was passed after the recommendations of the
Narsimham Committee - I were submitted to the government. This act had created the forums such as
Debt Recovery Tribunals and Debt Recovery Appellate Tribunals for expeditious adjudication of
disputes with regard to ever increasing non-recovered dues. However, there were several loopholes
in the act and these loopholes were mis-used by the borrowers as well as the lawyers. This led to the
government introspect the act and this another committee under Mr. Andhyarujina was appointed to
examine banking sector reforms and consideration to changes in the legal system .
This committee recommended to enact a new legislation for the establishment of securitisation and
reconstruction companies and to empower the banks and financial institutions to take possession of
the Non performing assets.
Thus, via the Sarfaesi act, for the first time, the secured creditors were empowered to recover their
dues without the intervention of the court.
However, as soon as the act was passed, its implementation was challenged in the court and this
delayed its coming into force for 2 years. In the Mardia Chemicals v. Union of India, the Supreme
Court upheld the validity of the SARFAESI act was upheld.
Rights of Borrowers:
The above observations make it clear that the SAFAESI act was able to provide the effective
measures to the secured creditors to recover their long standing dues from the Non performing
assets, yet the rights of the borrowers could not be ignored, and have been duly incorporated in the
law.
The borrowers can at any time before the sale is concluded, remit the dues and avoid loosing the
security.
In case any unhealthy/illegal act is done by the Authorised Officer, he will be liable for penal
consequences.
The borrowers will be entitled to get compensation for such acts.
For redressing the grievances, the borrowers can approach firstly the DRT and thereafter the DRAT
in appeal. The limitation period is 45 days and 30 days respectively

49. RESTRICTION BEFORE PROVDNG LOAN-

Dhoro Mr. A hlo BANK XYZ er malik,,,ebr ok thik korte hbe j koto taka loan dite parbo,,,,LOAN tokhni
dite parbo jokhn DEPOSIT thakbe,,,nijer pocket thk to r debona
Ai bpar ta ASSET LIABILITY MANAGMNT DEPT OF EACH BANK handle kore,,,details e jante hole
amaki suicde krte hbe,,ekta pati xmpl nao
XYZ BANK e Rs 100 DEPOSIT ache,,,ebar amader admin SUBHANKAR DA gche Mr A er thk loan
nite,,,,tokhn Mr.A tak 70 taka loan dilo,,khubi savabik karon amr kche already depost ache 100
er,,,,,BUTTTTT vabo oi bank e ARNAB r SUBHASISH er 40 taka deposit ache r LOAN sanction hbr
porer din gie SUBHASIS r ARNAB bllo amar DEPOSIT ta ami tulbo or withdraw krbo tokhon Mr. A
oder taka dite parbena karon Mr. A already 70 taka loan SUBHANKAR k die dieche r baki pore ache
(100-70)=30 taka r oder dujonk dite hbe 40 taka i.e. shortfall of 10 taka,,,,,etak bole ASSET LIABLTY
MISMATCH,,,,,,but ARNAB r SUBHASIS otosoto na bujhe Mr. A k bedhorok kelalo,,,Mr. A ero kichu
krar nei as tar hateo taka nei oder payback krar jnyo,,,so BANK will collapse....
Ai obostha jate na ase tai amader sobar gurudev the RBI chalu krlo CASH RESERVE RATIO ( CRR)
r STATUTRY LIQDTY RATIO (SLR),,,,say ekhn CRR hlo 4% r SLR hlo 22% ,,,,CRR r SLR dutoi
reserved fund in liquid stage mane jetak easily cash e convert kra jai,,CRR rkhte hoi RBI er kche r
SLR rkhte hoi bank er nijer kche
RBI bllo tomader ja Net Demand and Time Liabilities ache i.e. NDTL er 4% r 22% resrvd rkho,,hat dile
hat kete gangai vasie debo...
Let us consider the EXAMPLE of Mr.A,,,,total depost ache 100,,,CRR r SLR deduct krle hbe ((100)-
(22+4)= 74 taka,,,ebar SUBHANKAR gche Loan nite,,,Mr. A er lendable resource Rs.74 only,,,Mr.A
tai SUBHANKR k loan dilo 50 taka,,,,baki pore roilo (74-50)= 24 taka ar oi CRR+SLR= 26
taka,,,,TOTAL 26+24= 50 taka ekhno Mr.A er hat e ache,,so ekhn ARNAB r SUBHASISH nijeder taka
nite ele Mr.A taderk aramse oder 40 taka DEPOSIT ferot dite parbe as Mr.A er hate dewar jnyo 50
taka ache,,,so Mr.A kelanio khelona,,SUBHANKAR nijer LOAN tao nilo,,last e ARNAB r SUBHASIS
nijeder DEPOSIT o ferot pelo,,sobai khushh
Asole ekbar gujob rotechlo ahmedbd e icici bank will collapse,,jehetu pvt tai sobai nijdr deposit
withdrw krchlo,,so to make people convncd that their money are in safe hand tai eto kichu
Atai restriction,,eta bisalllll boro bpar,,,asol jinis jante jante mathai tak pore jbe amader tai ekta khubii
simple exmpl dilm...

50. ATM SOBARI ACHE,,ASA KORI USE O KRA HOI,,,NOW LET US DISCUSS SOMETHING
ABOUT ATM
1. ATM card er pichone ekta 3 digit number thak jetak CVV CARD VERIFCTN VALUE,,etao onekei
jane,,,jekno online trnsctn e eta lage,,,,but CARD er samne ekta 16 digit number thak jetak CARD
NUMBER o bole,,but what does it signify???
Say the number is 4526 5685 2502 6658.....it means 452656 is BIN (BANK INDEXED
NUMBER),,,8525 is SOL ID/BRANCH ID,,,,026658 is CARD SERIAL NUMBER.....
2. Suppose amar ekta UCO BANK ER ATM CARD ache,,,ota jdi ami UCO BANK ER ATM COUNTER
e nie jai then taka tulte parbo,,,,abr jdi ekta SBI ER ATM COUNTER e nie jai tao taka tulte parbo but
kivbe?? UCO to UCO mana jai but UCO to SBI kivabe???? Dekha jak
A. Say ami amar UCO BANK ATM CARD nie ekta UCO BANK ATM COUNTER e dhuklam,,CARD
dhokalam,,PIN dilam,,,songe songe UCO BANK ATM SWITCH signal pathabe UCO BANK CBS
k,,,,CBS tokhn A/C er details check korbe...Name,A/c No,CARD No,Balance availblty etc,,,balance
thakle UCO BANK CBS amar SAVINGS A/C DEBIT (-) korbe ar REPLY SIGNAL pathabe UCO
BANK ATM SWITCH k,,,songe songe taka berie asbe UCO BANK ATM COUNTER thk.....
B. But ami amar UCO BANK ATM CARD nie ekta SBI ATM COUNTER e dhuklam,,kintu tateo to
same time ei taka peye jchhi amra,,,but onk prosno,,kivabe??SBI the UCO er trnsctn kivabe hobe???
Here comes the concept of NFS,,,,,na na NEED FOR SPEED noi,,,,its NATIONAL FINANCIAL
SWITCH which is designed, developed and deployed by the Institute for Development and Research
in Banking Technology (IDRBT) in 2004.... It is run by the National Payments Corporation of India
(NPCI).
FUNCTIONS OF NFS: ami amar UCO BANK ATM CARD nie ekta SBI ATM COUNTER e
dhuklam,,CARD dhokalam,,PIN dilam,,,songe songe SBI ATM SWITCH signal pathabe NATIONAL
FINANCIAL SWITCH (NFS) k,,,,,NFS tokhn oi signal tak forward kore dbe UCO BANK ATM
SWITCH k,,,,,se abr oi signal tak forward korbe UCO BANK CBS k,,,se tokhn sob A/c details check
korbe,,,balance thakle A/c DEBIT (-) korbe ar REPLY SIGNAL pathabe UCO BANK ATM SWITCH
k,,,,se abr REPLY SIGNAL pathabe NATIONAL FINANCIAL SWITCH k,,,,,NFS tokhon FINAL
REPLY SIGNAL pathabe SBI ATM SWITCH k ar oi SBI ATM COUNTER thk taka berie asbe...

51. VERY VERY IMPORTANT SEPCLY FOR NON-COMMERCE STUDENTS:

Amra sobai etodin e eta vlo krei jene gchi j RBI er main kaj hlo amader Financial System e LIQUIDITY
supply tak control kora ar tar jnyoi MONETORY POLICY FORMULATION ar boro boro terms like
REPO,REVERSE REPO,LAF,MSF etc.
1. LIQUIDITY: Etar kono defintn hoi na serokm. Dhoro , tomar kache 20 lakh takar GOLD JEWLRY
ache tao abr PC Chandra er,,,tar manei tumi hevvy borolok,,tai asa kori tmar kche ekta 40 lakh takar
FLAT o ache,,,but konodin tmr prochur taka er dorkar porlo say 15 lakh widin 2 days,,then tumi ki
krbe??? Obossoi GOLD gulo bikri kore taka jogar krbe,,common sense,,,,eita jokhni tumi krte jbe
means u knw wat is LIQUIDITY,,,,tmi FLAT ta keno bikri korbe na?karon frst e ekta buyer khojo,,den
legal formlts, stamp paper etc korte kortei 1 month lege jbe,,so u went for GOLD ,,tarmane eta
poriskar j LIQUIDITY IS SUCH A THING WHICH CAN BE EASILY CONVERTBLE INTO CASH IN A
SHORT TERM PERIOD. Ekhon ei THANDA er Bazaar e prochur sak sobji pawa jai tai PRICE TAO
KOM as SUPPLY BESI,,,Thik ei jinis tai BANKING e applicable,,,jokhn SYSTEM (BAZAR) e
LIQUIDITY/MONEY SUPPLY (VEGETBLS) besi thak tokhn lokjoner kache poisa ese jai tai automtc
LOAN ER INTRST RATE (SOBJI KENAR KHORCHA) o KOME JABE & thik etar ULTO tao
hoi,,,Dutotei BIPOD jdi seta xpctd value er thk khub besi upore ba niche neme jai.
Tai ei LIQUIDTY CONTROL hlo er onyyotomo vital kaj.....Kintu Kivabe seta dekha jak-
Mainly 4 te TOOL RBI use kore-
A. CASH RERVE RATIO (CRR)
B. STATUTRY LIQDTY RATIO (SLR)
C. LIQDTY ADJSTMNT FACLTY (REPO & REVERSE REPO)
D. OPEN MARKET OPERTNS (OMO)
Ekta Situation consider kore egono jak......
Say Mr. SUBHANKAR hlo MOHILA BANK er BRANCH HEAD,,,,BANK er TOTAL DEPOSIT 100 Cr.
Ebar tumi puro 100 Cr konodini loan dite parbe na karon tahle DEPOSITER jokhn nijer taka ferot nite
asbe tokhn tak kichu dite parbena,,,agei discuss hoeche eta nie,,,tai RBI chalu korlo CRR (Je amount
of cash RBI er kche rervd rkhte hoi),,,oi 4% (CRR) of NDTL (Net Demand & Time Liablities) er resrvd
rakha hlo,,,SOKAL E EKJONER QSTN CHILO WHY SLR??WHY SHOULD BANK BORROW WITH
BANK RATE WHICH IS HIGHER THAN REPO??? U will get ur ANS
SUBHANKAR DA valo MANAGER er mtn RBI guidlns mene 4% RERVD rekhe loan debe thik
korlo,,,So hate e ache (100-4)=96 Cr. Eibar VIJAY MALLIYA type keu ekta ese bollo O SUBHNKAR
DA,,AMI AGE DEFAULT KORECHI BT EKHON SUDHRE GECHI,,R KRBONA,,NTUN BUISNS
CHALU KORBO,,,LOAN CHAI,,,AMI AMAR SONA GOINA,GHOR BARI,GARI SOB BANK ER KCHE
SECURTY HISABE DITE RAJI
Baes r ki chai!!!! SUBHANKAR dar to jive e jol,,96 Cr ache Loan debar jnyo,,,Buisns proposal tao
vlo,,,monthly intrst o pbo,,,jdi kichu gorbor kore den or ghor bari beche taka tule anbo...
Manager babu 96 Cr loan dilo with high inrst rate & tarpore ekhon barite nak e tel die
ghumachhe,,,kodn por MALLIYA er puro BUISNS COLLAPSE KORLO,,,,Taka r debe ktha thk??
Manager babu tokhn MALLIYA er SECURITY gulo bechbe bole process suru krlo,,BUT ETA ONK
LOMBA PROCESS,,PROCHUR TIME TAKING,,,SAY 2-3 MONTHS,,,ER MDHHEI KICHU
CUSTOMER ELO BANK E POISA TULTE,,,BT POISA DBE KOTHA THK???SOB TO LOAN E
CHOLE GCHE,,,,SESSHHHH,,,,,GOLAI DORI....
EIBAR ELO SLR ER CONCEPT,,RBI bolche BANK K TAR SOB LOAN Kei RISKY CUTOMER DER
DITE NA,,KICHU TA LOAN K SAFE & LIQUID INVESTMNT KRTE HBE,,,Jate dorkar er smy oi
LIQUID IVESTMNT gulok sell kore bank tar depostr der taka ferot dite pare dat is STATUTORY
LIQUIDITY. SAFE INVESTMNT menas GOVRMNT BOND, GOLD, CORPORATE BONDS OF
REPUTE CMPNY LIKE TCS,INFOSYS etc. LIQUID bole hchhe karon bank er dorkar hole egulok
market e easily & fastsell korte parbe. Tai RBI bolche tomar NDTL er 22% (SLR) tumi SAFE &
LIQUID INVESTMNT kro..
Eibar SUBHANKAR DA TOTAL (22+4)= 26%,,Reservd rkhlo,,,baki pore roilo (100-26)=74 Cr,,,DADA
vbchen eibar to ami total 74 cr LOAN deboi,,karur baap sala atkate parbena,,,DADA er smne
CUSTOMER DER VIR jome gche,,,,,,,,1stly 500 jon FARMER ese bolche apni amdr loan din bt amra
7% er besi inrst dite parbona,,,2ndly 100 jon STUDENT ese blche ENGG porbo loan din,,bt intrst dite
parbo 10%,,,Ebar ekjon AMBANI type 2 jon ese bollo amader din loan,,we will gv u 15% intrst..
Abr SUBHANKAR DA vblo bisalllllll proftble deal diei di loan, RBI er rule to menechi,,NPA hle dekha
jabe,,security to achei plus CRR SLR o ache,,,,,,,KINTU KHOKA tahle oi FARMER & STUDENT der
LOAN ki VOGOBAN ese debe???Ora Loan na pele desh egobe ki kore without EDUCTN &
AGRICLTR.....
THEN COMES THE CONCEPT OF PRIORITY SECTOR LENDING (Details already discsd),,RBI
bollo tui sala total Loan amt er 40% PS LENDING korbi,,,means oi 74% er 40%???? NOPESSSS,,,,,,,
BANK er nijer kono khorcha nei? Electrcty,Comptr,Staff salary ogulo to 74 Cr taka thekei pay korte
hbe,,,DHORA HLO AI KHORCHAGULO (MAINTNC COST) = 14 Cr
SO after maintng CRR, SLR, MAINTNC COST BANKs TOTAL LENDABLE RESOURCE HLO (74-
14)=60 Cr
Ai 60 Cr er 40% means 24 Cr PS LENDING KORA HLO r baki choto boro BUSINS MAN der nie dewa
hlo aro 20 Cr.....Hate pore thkbe (60-(24+20))= 16 Cr.,,Ar to keu nei LOAN NEBAR?? Tahle ki ei 16
Cr takar upor dhulo jombe??? NAHHHHHHH
NOW THE CONCEPT OF REVERSE REPO RATE COMES,,,,say ekhn REVERSE REPO RATE 7%
means MOHILA BANK oi 16 Cr taka k RBI er kche rkhbe jar jnyo RBI,,,MOHILA BANK K 7% INTRST
PAY KRBE..MOHILA BANK bujhte parche j ekhn nah oleo 3 mas por oi 16 Cr taka LOAN nite
customer aste pare so MOHILA BANK tokhn RBI er sthe ekta contract korbe I, MOHILA BANK will
buy GOVT SECURTS/BOND of 16 Cr from RBI and RBI promises to BUYBACK those securts from
me 3 months later and pay me intrst rate of 7% for 3 months upon 16 Cr ETATE BANK INCOME
KORBE AS BEKAR PORE THAKAR THK TAKA TA RBI ER SAFE CUSTDY TE THKLO R INRST O
PAWA GLO.
GOVT BOND....Kichuina serkm Govt jokhn Market thk borrow ba dhar nite chai den ai bond paper k
issue kore But nly GOVT SECRTS KENO???CASH NOI NA KNO? Karon egulo hchhe
COLLATERAL mane ekta PARTY jdi agrmnt venge REPURCHASE ta korte na chai den onyyo party
oi BOND gulok aramse MARKET e SELL KORE TAKA RECOVER KRTE PARBE.
THIK ER ULTO TAI REPO RATE ,,tokhon,,, MOHILA BANK BORROW MONEY FROM RBI AND RBI
ULTO MOHILA BANK K CHARGE KORBE J INTRST RATE E TAKE REPO RATE BLE,,TOKHN
AGRMNT TA HBE lyk
I, MOHILA BANK, selling my GOVT SECURTS/BOND of 10 Cr (Random Figure) from RBI and I
promises to BUYBACK those securts from RBI 3 months later and pay RBI an intrst rate of 8% for 3
months upon 10 Cr ETATE BANK K ULTO INTRST AMT TA RBI K DITE HBE
REPO= REVRS REPO+1%
BANK RATE IS SAME AS REPO RATE BUT BANK RATE IS FOR LONG TERM LENDING AND
REPO IS FOR SHORT TERM LENDING
# MSF, LAF, OMO, BASE RATE EGULO PORE DEKHA JABE

52. WPI ( WHOLESALE PRICE INDEX) & CPI ( CONSUMER PRICE INDEX)-
WPI nd CPI ei duto pati vasai INFLATION rate kto seta decide kre dei,,,,WPI te WHOLESALE
MARKET e j malpotro kena becha hoi tader price fluctuation denote kre,,,ete total 676 ta item
thak,,ederk 3 vag e vag kora jai as PRIMARY articles lyk food,unfood,minerals etc,,,,FUEL AND
POWER lyk lubricant,ekectricity,coal mine,mineral oil etc,,,,last one MANUFACTURED GOODS lyk
wood ,tobacco, paper,rubber,beverags,metal alloy etc....WPI weekly basis e calculate hoi and eta
publish kre Office of Economic Affairs,,MInistry of Commerce and Industry,,Govt of India,,,,WPI ta jst
wholesale level obdhi cost include kra hoi bt cost of service xclude kra thak so ete actual inflation ta
bjha jaina,,,tar jnyo lage CPI,,,ete a basket of goods blte particular kichu items bjhai jara amader
economy k direct effect kre ,,,sei goods er weightd avg bar kre price fluctuation measure kra hoi,,,eta
MONTHLY basis e hoi,,,amra mane CONSUMER ra j INFLATION ta face kori seta CPI die bjha jai...
EXAMPLE-
Suppose ekta GOLD FLAKE er dam 2000 te 5.5 taka chlo,,2010 e hlo 6.2 taka,,,so ekhane BASE
YEAR hlo 2000,,,so WPI of gold flake as on 2010 hbe ((6.2-5.5)/5.5)*100=12.72,,,,,since BASE YR er
WPI 100 assume kra hoi tai 2010 er gold flake et WPI hbe 100+ 12.72= 112.72,,,ei vabe 676 item er
calculate kre tader weightd avg kre final WPI berai...

53. MINOR OR ILLITERATE DER CHQ BOOK DEBO???

A/c to rules u can issue to a ILLITRT but witness lgbe issue krar tym e r each n every transctn er time
e,,,but ami sure 100% banker ei rule mane na includng me karon chakri ta sobar kche priyo,,amra to
dr.salunkhe noi j magnfyng glass die fingr prnt test krbo!!!,,,as fraud hbr chnc khubbb besi tai NO
CHQ BUK TO ILLITRT
And MINOR to konodinii na karon CHQ IS LIKE A CONTRACT JEKHANE DRAWER INSTRUCT
KORCHE BANK means DRAWEE k U PAY THAT AMT OF MONEY TO PAYEE
Ar according to SECTION 11 of INDIAN CONTRACT ACT 1872,,,,A MINOR IS NOT ELIGIBLE TO
MAKE A VALID CONTRACT....
SO MINOR K JODI CHQ BUK DEWA HOI AR SEI CHQ JODI BOUNCED HOI TAHLE TUMI
LEGALLY TAR KICCHHU KRTE PARBENA,,,
AR TUMI TAK SECTION 138 of NI ACT 1881 er according CHQ BOUNCE er jnyyo ACCUSED ba
doshi sabbyosto korte parbena,,,jodioo accordng to SECTION 26 of NI ACT " A MINOR MAY DRAW,
ENDORSE,AND NEGOTIATE A NEGOTIABL INSTRUMNT SO AS TO BIND ALL PARTIES EXCEPT
HIMSELF"
But ACT k guli maro vai,,,amr vai JOB ta frst PRIORTY
SO NO CHQ BUK TO MINOR

54. LAND ACQUISITION ORDINANCE:

India passed an urgent executive order to ease land-acquisition rules in sectors like power,
housing and defence to kick-start hundreds of billions of dollars in stalled projects, though
investments are unlikely to flow in immediately.
Restrictions on buying land, under a law championed by the last Congress government, are
among barriers holding up projects worth almost USD 300 billion. Several states had asked
Prime Minister Narendra Modi to overhaul the law enacted in January.
Finance Minister Arun Jaitley said projects in defence, rural electrification, rural housing and
industrial corridors would not need to seek the consent of 80 percent of the affected landowners
as mandated.
They will also be exempt from holding a social impact study involving public hearings -
procedures that industry executives say can drag out the acquisition process for years.
Compensation to landholders, however, will stay at four times the market price.
An ordinance is an emergency measure that has to be passed by the next parliamentary session.
Modi has already resorted to using it three times in his six months in office due to a lack of
majority in the upper house of parliament.
After the last parliament session ended in a legislative logjam on Dec 23, Modi passed two
orders to let foreign firms raise their stakes in insurance ventures and allow commercial mining of
coal.
Parliament, which reconvenes in February, did not ratify the November ordinance on coal, forcing
Modi to pass another ordinance to let the government auction coal mines and allow private
companies to mine and sell the fuel.
"Governments must act with determination. The government must have the desire to implement
its decisions," said Jaitley, a key lieutenant to Modi, responding to opposition parties' criticism
that such ordinances undermine the parliamentary system in a democracy.
Modi is also considering changes to theMines and Minerals Development and Regulation Act to
auction minerals like iron ore and bauxite. But the government has yet to take a decision on an
ordinance for it, Jaitley said.
Analysts reckon reform through ordinances has its risks.
"While ordinances can be reissued once they lapse, they may not be perceived as a stable
solution by investors wanting secure property rights," HSBC Securities analysts wrote in a note.
"We, however, believe it is an important step to signal the government is serious on reforms."

55. GROSS NPA v/s NET NPA -

Boi te ja lekha ache boro soro economst chara bojha somvob noi,, to sohoj sorol vasai blte-
1. GROSS mane ja bojhai ar ki ,,total OUTSTANDING BALANCE mane total joto taka baki ache loan
account tate,,,,ebar ekhane ekta jinis bujhte hbe---- EXCEPT LOAN ACCOUNT,,,,baki sob account
CREDIT BALANCE e thak,,,,na na mathai hat debar kichu nei,,,suppose ki AMAR SAVINGS A/C e
BALANCE ACHE 5000/- taka,,,,jehetu eta loan account noi tar mane ai 5000/- taka hlo CREDIT
BALANCE,,,sohoj vasai account e taka joma dile seta ADDITION(+) hbe,,,,ami jodi amr oi SAVINGS
AC e 1000 taka joma di then account er BALANCE hbe (5000+1000)= 6000 and it is CREDIT
BALANCE
BUT LOAN AC E THIK ER ULTO,,,LOAN account er BALANCE sobsomoy DEBIT BALANCE e
thak,,,,mane dhoro amar LOAN account ta NPA hoe gche ar ai NPA ACCOUNTer (PRINCIPAL+
INTERST) amount mile total 4000 taka bank k dite baki ache mane TOTAL OUTSTANDING
BALANCE hlo 4000 taka ar eta hlo DEBIT BALANCE karon ami jdi LOAN AC e taka joma di then joto
taka joma debo toto taka oi LOAN AC thk DEDUCTION(-) hbe,,,ebr ami jodi amar NPA LOAN AC te
1000 taka joma kri then amar LOAN AC er balance hbe (4000-1000) = 3000 DEBIT BALANCE,,,,,tar
mane ami joto taka joma debo amar LOAN AC ER BALANCE TOTO KOMTE THAKBE AR AMI JDI
BAKI PURO TAKA TA (OUTSTANDING BALANCE) PAY KORE DI (ekhane 3000) then amar LOAN
ACCOUNT ER BALANCE HOE JBE "ZEROOOO",,,
Loan ac er blnc zero hoe jawa mane customer bank er sob taka mitie dieche,,,tai ekhn account take
close kora jete pare.
SUPPOSE, AMAR LOAN A/C E TOTAL OUTSTANDING BLNC HLO Rs. 4000/-DEBIT
BALNC....Means amk bank k total 4000 taka dite hbe/ bank amar thk total 4000 takaa pai....ekhane
GROSS NPA HLO Rs.4000/-
But amar LOAN ta GOVT sponsored chilo mane GOVT amr BANK k ekta amt SUBSIDY debe ai loan
account e,,,ba,,,,, AMAR LOAN account ta ECGC (Export nd credit guarnte corportn of ind) or
CGTMSE ( Credit guarnte fund trust for micro nd small entrprses) guarntd chlo jekhan thk ami SOME
AMOUNT OF FUND pabo,,,,,ba amar NPA account e kichu taka RECOVERY hoeche as bank er lok
ese amk hevvy pitieche,,,,,ba,,,,,kichudin por ami kichu taka debo,,,,,,,anyways egulor mdhhe jai hok
na kno ami dhrlm j amount ta hlo Rs.500/- jeta FUTURE e aste choleche ba asbe,, but ekhon
BALANCE SHEET e INCLUDED NEI tai sekhetre amar NET NPA HBE (4000-500)= 3500 DEBIT
BALANCE as agei bolechi LOAN AC E TAKA JOMA PORLE SETA DEDUCT(-) hoi,,,r puro taka joma
dile accnt blnc zero hbe as LOAN AC ALWYS REMAINS IN "DEBIT BALANCE"...
So amar LOAN ac e GROSS NPA hbe Rs. 4000/- r NET NPA hbe Rs. 3500/-..

56. LETTER OF CREDIT (LC) & BANK GUARANTEE (BG) :

Suppose Mr. Ashok er ekta Juto toiri korar factory ache,,ekhn to market e hevvy comptn tai Ashok
babu vablen j factory er expansion korben..But er jnyo first j jinis ta lage seta hlo vlo qlty er machines.
Tai tini thik korlen ebar CHINA thk valo kichu importd machines kinben,,,so savabik vbe tini contact
korlen one f d bst companies of CHINA named HO CHI MIN M/C for importing 10 nos. of machine.
Ebar kichu kichu jinis dhora jak-
1. Mr Ashok is an INDIAN & his compny holds an a/c in CANARA BANK
2. HO CHI MIN M/C is a CHINSE cmpny
Kintu problem ta tokhn suru hlo jokhon dekha gelo duto desher culture, law, language, buisns
approach, govt rules e kotota diffrnc.,,,keu kauk biswas korte parchena,,sob thk boro problem e
poreche HO CHI MIN M/C,,,,ora vbche sala age 10 ta machines pathie dilam INDIA te, then Jodi
paymnt na kore ba paymnt korte bawal dei then amak to pothe boste hbe! kintu ki r kora jbe?
ASHOK BABU k to machine kintei hbe nahle expansion krte parben na ar HO CHI MIN M/C ko to
machines bikri kortei hbe karon orao 10 ta m/cs er lovonio offer hat chara krte chaiche na.
THEN AI DUTO PARTY er PROBLEM SOLVE korte elen LETTER OF CREDIT & BANK
GUARANTEE -
LC ar BG dutoi prai same but koekta important defernc ache. Lets c..
LETTER OF CREDIT (LC): EKhane MR.ASHOK holen BUYER ar HO CHI MIN M/C holo SELLER
(BENEFICIARY). Ekhon HO CHI MIN M/C obviously chaibe j se machines pathabe but tar payment
pete jate konorkm chotolokami na hoi,,tokhn HO CHI MIN M/C amader ASHOK babu k bolbe j jao gie
age ekta LC nie aso,,,ASHOK babu tokhon dour marlen CANARA BANK e ar bollen j amak ekta LC
issue kore din,,,ekhon CANARA BANK ekta LC banabe jeta ekta CONTRACT hbe art ate lekha
thakbe I (CANARA BANK), will pay the whole amount to HO CHI MIN M/C after successful completn
of all the terms and conditions (ai T & C gulok maintain krbe HO CHI MIN M/C like time moton delivry
dewa, hasse free trnsfr , shipping ba delvry bill ta present kora etc), and Mr. ASHOK will pay back us
the whole amount AND if there will be any DEFAULT (poth e bose gche juto nie) by Mr. ASHOK then
I , CANARA BANK ON BEHALF OF MR. ASHOK will pay the the REST OF THE AMOUNT or the
WHOLE AMOUNT (whichever is applicable) to HO CHI MIN M/C...Ebar
A. CANARA BANK oi LC tak pathabe HO CHI MIN M/C er kache with all terms n cndtns
B. Ebar HO CHI MIN M/C oi 10 ta machines gulok k ship e kore INDIA te patahlo
C. Next HO CHI MIN M/C will show a STANDARD SHIPPING DOCUMENT (mane jetai machines
gulo pathanor sob details ache,,everything,,, ) to CANARA BANK and the bank will pay HO CHI MIN
M/C
D. Ebar CANARA BANK, Mr. ASHOK k oi SHIPPING DOCUMNT ta die dilo
E. Mr. Ashok oi DOCUMNT ta nie gelo EXPORT COMPNY er kche jar through die e INDIA te
machines gulo esche
D. Finally MR. ASHOK onar machines gulo peye gelen ar tarpor CANARA BANK k oi LC er sob taka
REPAY korlen .
BANK GUARNTEE (BG): Etao same as LC, both are used in international buisns transctn BUT
RESPONSBLTY, LIABILITY & INVOLVEMENT OF BANK onk besi thak BG te jerokom-
1. LC te MR ASHOK r CANARA BANK er mddhe je CONTRACT ta hoechlo, sudhu matro oi
CONTRACT tai chilo BANK er chintar bisoy,,er baire MR ASHOK & HO CHI MIN nijeder moddhe ki
CONTRACT koreche tate CANARA BANK er kono jai asbena. But BG te jai asbe as BG te LIABLITY
of BANK onk besi tai ASHOK & HO CHI MIN er CONTRACT tao BANK er kche soman important
thakto.
Example- Say HO CHI MIN sob documentation thik thak korlo,,shipping document o dekhalo but ekta
kharap M/C pathato ta sotteo LETTER OF CREDIT e ASHOK DA repayment korte badhho chilo
CANARA BANK k karon BANK er ete kichu jai asbe na (# # LC is nly concernd with terms, condtns &
proper presentation of document of SELLER/BENEFICIARY) , but BG hole den BANK ko soman
concerned & responsbl hote hto as BG te BANK intimately ASHOK & HO CHI MIN er CONTRACT e
& PERFORMANCE (like VALO M/c , KHARAP M/c erkm) OF BOTH PARTIES e nijk directly involvd
kore nebe jeta LC te korbe na.
2. LETTER OF CREDIT issue hole CANARA BANK k, oi HO CHI MIN M/C COMPANY k paymnt korte
hobeiiiii but
BANK GUARNTEE te CANARA BANK k tokhoni payment korte hbe jokhn MR ASHOK pothe bose
jabe/ default korbe,, thats why its calld GUARNTEE- a type of INSURANCE,,,, "MAIN HOON NA"
typer bpar spar.
####### Mainly LC r BG eitai ensure kore j BENEFICIARY/SELLER (ekhane HO CHI MIN M/C) jate
thik thak TIME MOTON PAYMENT pai ar BUYER (ekhane MR. ASHOK) jate agreed terms & condtn
e valo sustho sobol obosthai TIME MOTON GOODS er delivry pai...r jar fol hisabe INTERNATIONL
TRADE barte thakbe..
#### uporer example BG er khetre CANARA BANK is SURETY/GUARNTR,,,,ASHOK DA is
PRINCIPAL DEBTOR ,,,,,HO CHI MIN is CREDITOR....

57. TERM LOAN v/s DEMAND LOAN:

A. TERM LOAN-
Defintn sobai jane,,bekar kotha barie luv nei,,,borong ekta example dewa jak jemon.......PENSION
LOAN/HOME LOAN/CAR LOAN etc...
Jodi HOME LOAN consider kori then , AMOUNT= Rs. 25,00,000/- (Twenty five lakhs only),
INTEREST RATE= BASE RATE (say 10.20%) + 4%,,,ar REPAYMENT PERIOD= 25 YEARS (300
MONTHS),,,,So amar monthly instllmnt darabe around Rs. 30,477/- taka,,,hisab ta system thk
automtc hbe,,tumi chaile nijeo korte paro,,,net e onk banking calulatr pawa jai,,but bparta seta
noi,,bparta hlo ai typer er loan er ekta FIXED REPAYMNT PERIOD ache (ekhane 300 months) ar sei
onuzai bank tak monthly EMI charge korbe Rs. 30,477/-...TAI ETAK TERM LOAN bolbe
(TERM=TIME=REPAYMNT PERIOD=25 YR=300 MNTHS)..EI PERIOD ER AGE BANK oi CUSTMR
k thk puro LOAN MITIE DEBAR DEMAND KORBE NA,,,JODIO CUSTMR chaile fixed time er ageo
puro repay korte pare but oto sotisabitri ekhonkar jug e keu nei,,ar krleo onk somoy bank PRE-
PAYMNT penalty \ kate.
Ebar, Jodi 25/12/2014 tarikh e LOAN ta SANCTION hoi then Customer er EMI start hbe 01/02/2015
theke (as 1 month grace period ba char dewa hchhe tak),,,,mane within 01/03/2015 oi customer k tar
frst EMI dite hbe otherwise oi EMI amount (30,477/-) ta OVERDUE hoe jabe,,,,OVERDUE mane
BANK j amount ta demand koreche ar customer dite pareni seta and OUTSTANDNG BLNC mane a/c
e total joto amount baki pore ache.Er thk besi ekhon janar dorkar ache bole mne hoina...
B. DEMAND LOAN-
Example hlo LOAN AGAINST FIXED DEPOSIT RECIEPT
Suppose ami 01/01/2012 te ekta FD khulechi of Rs. 50000/- for the PERIOD of 5 YEARS,So amr FD
er MATURITY DATE hlo 01/01/2017,,,but 10/05/2015 tarikh e amr urgent takar proyojon porlo but
serokm kichu jinis nei ja ami BANK er kche reserve rakhte parbo,,then i will go for a LOAN AGAINS
FD,,,,Dhoro Rs. 30000/- takar ekta LOAN NILAM 10/05/2015 te ,,,,ekahne KONO PARTICULAR
FIXED REPAYMNT PERIOD NEI,,,EKHANE AMAK ON OR BEFORE 01/01/2017 LOAN ER
(PRINCPL+INTRST) METATE HBE,,,,means REPAYMNT PERIOD = ON OR BEFORE ANY TIME
OF MATURITY DATE OF FD,,,,,,,,and 10/05/2015 THK 01/01/2017 ei period er mddhe BANK J
KONO DIN AMAR THK PURO LOAN ER TAKA TA RETURN ba DEMAND KORTE PARE EVEN
WITHIN 24 HOURS (tai etak DEMAND LOAN bole) ar AMI SETA DITE BADDHO THAKBO,,,ebar
mone 2 to QSTN asbe j
1.BANK KI PAGOL NKI J AJK LOAN DIE KALK ABR FEROT CHAIBE???
2. FD TE TO BANK I CUSTMR K INTRST DICHHE TO ABR LOAN NILE CUSTMR O BANK K
INTRST DBE,,TO ATO DEWADEWI CHOLLE BANK PROFIT KORCHE KOTHA THEKE?
ANS of 1. BANK KONODINI DEMAND KORE NA AS TARATARI LOAN MITIE DILE TO BANK ERI
LOKSSAN AS INTERST TA TO PBEN JETA BANK ER MAIN INCOME BUTTTT JODI BANK ER
URGENT TAKA TA LAGE AR BANK JODI DEMAND KORE THEN CUSTMR IS BOUND TO PAY
THAT MONEY
ANS of 2. BANK JODI FD TE CUSMR K 8% INTRST DEI DEN OI LOAN ER JNYO BANK , OI
CUSTOMER ER THK 12% INTRST CHARGE KORBE SO BANK ER PROFIT HLO OI (12-8)=4%
Jotodin na customer banker puro loan amt chukie debe totodin oi FD RECPT ta BANK er kche LIEN
thakbe mane FD ta BANK er sompotti thakbe,,BANK JOKHON CHAIBE OI FD VANGIE TAKA NIE
NITE PARE...

58. CASH CREDIT v/s OVERDRAFT:

Boddo confusing,,,mal dutor serokm kono difference i nei...
Suppose, Mr. RAJESH er ekta mudikhana dokan /grocery store ache,,so se ekhon bank er kche
esche ekta CASH CREDIT a/c ta kholar jnyyo,,,CC mainly ekjoner day to day expenses ba
WORKING CAPITAL maintnc er jnnyo dewa hoi,,,er jnnyo security rakha hoi mainly kono TANGIBLE
ASSET k mane jak chokhe dekha jachhe,,hat die sporso kora jachhe erokm,,,tai CC er main security
thak STOCK,,,,ekhane STOCK hbe RAJESH BABU er mudikhana er joto jinis potro ache tar total
market value like rice,wheat,choclts,biscts,salt,sugar,mustrd oil etc,,tai BANK er kono OFFICIAL gie
dokan ta visit korbe ar notedown korbe ki ki ache ar tar value kto jetak STOCK STATEMNT
bole,,,ebar ei TOTAL AMOUNT OF STOCK er ekta % hisabe RAJESH BABU er CASH CREDIT
LIMIT fixed hbe mane it is a type of LINE OF CREDIT,,,,etar age RAJESH er LAST 5 YRS INCOME
TAX RETURNS, BALANCE SHEET ANLYSIS onk kichu consider korte hbe oi CC LIMIT ba
WORKING CAPITAL calculation korte but ekhn esb mathai ant hbena,,
moddo kotha hlo j OI STOCK GULO BANK ER KCHE HYPOTHECTD thkbe ar tar basis e dhora jak
CC LIMIT fixed hlo Rs. 50000/- taka....Mane RAJESH babu MAXIMUM upto 50000/- obdhi
WITHDRAW korte parben,,etai LOAN AMOUNT,,,etai CASH CREDIT LIMIT....
EITAR KONO REPAYMNT PERIOD NEI,,,RAJESH BABU ER JOKHON ICHHA/JOKHON DORKAR
PORBE UNI AI TAKA TULTE PAREN . EI AMOUNT TA RAJESH BABU WHOLE LIFE ENJOY
KORTE PARBEN BUT OBOSSOI TAR SNGE MAJHE MAJHE TAKA DITEO HBE OI CC ACCOUNT
E..But How?
1. Ekdom STARTING e mane LOAN SANCTION hbar por Ai CASH CREDIT account er balance ta
show korbe like:
Effective Available Balance- 50000/-
2. Ebar kichudin pore se 10000/- taka CC A/c thk WITHDRAW korlo then a/c blnc hbe
Effective Available Balance= (50000-10000)=40000/-
3. Abar kichudin pore se 5000/- taka CC A/c e CREDIT korlo ba JOMA DILO then a/c blnc hbe
Effective Available Balance= (40000+5000)= 45000/-
4. kichudin pore se 15000/- taka CC A/c thk WITHDRAW krlo then a/c blnc hbe
Effective Available Balance= (45000-15000)= 30000/-
5. Abar kichudin pore se 10000/- taka CC A/c e CREDIT korlo ba JOMA dilo then a/c blnc hbe
Effective Available Balance= (30000+10000)= 40000/-
SO, JOKHON RAJESH BABU er taka er dorkar chilo se tokhn WITHDRW krlo abr jokhn BUSINS thk
kichu taka INCOME hlo tokhn se valo manuser mtn ese kichu amount CREDIT(+) krlo,,EIVABE
CHOLTE THAKLE RAJESH BABU WHOLE LIFE OI 50000/- TAKA CASH CREDIT LIMIT ENJOY
KORTE PARBEN..So IT IS A CONTINUOUS PROCESS.....BUT HARAMI GULO er DICTIONRY te
CREDIT(+) namok TERM TAI NEI TAI ETO NPA er jhamela..
VERYY IMP: RAJESH BABU JOTOTA AMOUNT WITHDRAW KORBEN, ONLY OI AMOUNT TAR
UPOREI INTEREST CHARGE HBE,,,BAKI AMOUNT ER UPOR NOI,,,SAY 10000/- TAKA TULLE OI
10000/- ER UPOREI INTRST CHARGE HBE,,,,,BAKI 40000/- ER UPOR NOI......
OVERDRAFT o same as CASH CREDIT but
1. OD ta only for SHORT TERM PERIOD r CC ta SHORT TERM as well as LONG TERM
2. CC te STOCK or TANGIBLE ASSET er upor BANK er HYPOTHECTN thak ar OD te normaly
SHARE, LIC POILCY ER SURRNDR VALUE, MUTUAL FUND SHARE k security hisabe rakha hoi
abr kokhono SECURITY newao hoi na OD te,,depending upon previous & present financial reputation
of the customer.
3. CC te WORKING CAPITAL GAP tak mane day to day expnses k metanor jnnyo dewa hoi r OD er
orkom PARTICULAR KONO PURPOSE thak na
4. CC normaly CUSTOMER der dewa hoi ar se Jodi KHUB CREDIT WORTHY HOI ba ONK DINER
BANK er sthe RELATION THAK then tak ekta OD issue kora jete pare,,,echara BANK ER
PERMANENT STAFF DER OVER DRAFT FACILITY DEWA HOI.
Ekhane Jodi RAJESH BABU khub valo payment kore oi CC a/c e ar tar record khub valo thak ar
tokhoni hothat RAJESH BABU er URGENT 15000/- TAKA dorkar porlo then BRANCH MANAGER
,,RAJESH BABU k ekta 15000/- TAKA ER ekta alada OVER DRAFT Account ISSUE KORAR KOTHA
VABTE PAREN
TA CHARA DUTORI EKTA LIMIT THAK JOTO OBDHI CUSTOMR TAKA TULTE PARE AR JOTO
TAKA TULBE TOTO TA AMOUNT ER UPOREI ONLY INTERST CHARGE KORA HBE &&& DUTOI
CONTINUOUS PROCESS.

59. KONO LOAN A/C NPA HBAR POR TAR UPOR INTRST CHARGE HBE???
Ans. Nah,,konodini na,,,,jodi intrst charge hto then oi intrst thk bank er income generate hto means
accounta ekta PERFORMING ASSET hoe jto,,,but eta NON PERFORMING,tai jedin ac ta NPA ta
hisabe classified hlo tokhoni intrst chrg bondho...

60. NORMAL v/s PREFERENCE SHARE:

Normal share er khetre investor invest korlo mane share kinlo but kichu ferot pabe kina mane
DIVIDEND pbe kina compltly depend korbe company er financial result er upor,,,,result vlo hle pabe
othrws na,,,,kom invest kore besi return o aste pare abr kopal khrp hole sob taka jole chole jete pare
tarmane HIGH RISK, NO SECURTY AT ALL & RETURN is compltly dependng upon MARKET
CONDTN....
PREFERNC SHARE amader moton albal publc kinte parbena,,,company market e prefrnc share
charlo ar tar value normal share er thk besi hoi,,,eta sadharonoto kinte pare HIGH NET WORTH
INDIVDUAL,,,,HIGH CREDITWORTHY CUSTOMERS & "QIB" (QUALIFIED INSTITUTIONL BUYER)
ra,,,,QIB mane suppose NABARD kinlo SBI er prefernc share then NABARD is QIB,,,pati kothai boro
honu ra...
SHARE ar PREFERNC SHARE er main diffrnc hlo,,,,keu PREFRNC SHARE kinle se CONFIRMD
PAYMNT pabei,,,,company er reslt jai hok na kno....reslt khrp hle cmpny DIVIDEND debena but
PREFRNC SHARE holder ra PAYMNT pabeiiiii
So PREF SHARE holder ra NORMAL SHARE holder thk age paymnt pabei ar oder paymnt ta
CONFIRMD,,,,oder ta NORMAL SHARE er mtn MARKET CNDTN er upor dependbl noi..
61. OBJECTIVE OF SETTING UP RRBS:
1.To provide cheap & liberal credit facilities to small & marginal farmers ,agriculture labours & other
weaker sections
2.to save the rural poor from the money lenders
3.to act as a catalyst element & thereby accelerate the economic growth in the particular region
4.to cultivate the banking habbitamong rural people & mobilise savings for the economic development
of the rural areas
5.to increase employment opportunities by encouraging trade and commerce in rural areas
6.to encourage enterpreneurship in rural areas
7.to cater the needs of backward areas which are not covered by the effort of govt
8.to develop under developed regions& thereby remove economic diparity between regions

62. CHEQUE TRUNCATION SYSTEM:

In CTS, the presenting bank (or its branch) captures the data (on the MICR band) and the images of a
cheque using their Capture System (comprising of a scanner, core banking or other application) which
is internal to them, and have to meet the specifications and standards prescribed for data and images.
To ensure security, safety and non-repudiation of data / images, end-to-end Public Key Infrastructure
(PKI) has been implemented in CTS. As part of the requirement, the collecting bank (presenting bank)
sends the data and captured images duly signed and encrypted to the central processing location
(Clearing House) for onward transmission to the paying bank (destination or drawee bank). For the
purpose of participation the presenting and drawee banks are provided with an interface / gateway
called the Clearing House Interface (CHI) that enables them to connect and transmit data and images
in a secure and safe manner to the Clearing House (CH).
The Clearing House processes the data, arrives at the settlement figure and routes the images and
requisite data to the drawee banks. This is called the presentation clearing. The drawee banks
through their CHIs receive the images and data from the Clearing House for payment processing. The
drawee CHIs also generates the return file for unpaid instruments, if any. The return file / data sent by
the drawee banks are processed by the Clearing House in the return clearing session in the same
way as presentation clearing and return data is provided to the presenting banks for processing. The
clearing cycle is treated as complete once the presentation clearing and the associated return
clearing sessions are successfully processed. The entire essence of CTS technology lies in the use of
images of cheques (instead of the physical cheques) for payment processing.

63. WHAT IS REVERSE MORTAGE LOAN?

Ans.Reverse Mortgage Loan (RML) enables a Senior Citizen i.e. above the age of 60 years to avail of
periodical payments from a lender against the mortgage of his/her house while remaining the owner
and occupying the house.
The Senior Citizen borrower is not required to service the loan during his/her lifetime and therefore
does not make monthly repayments of principal and interest to the lender.
Mane pati kothai kono boyosko above 60 bank thke tr assest mortage rekhe loan nilesetake
reverse mortage bola hbe .ekhetre sei boyosko lok k beche thakakalin kono interest ba prinicipal
payment krte hoi natr death r por sei assest ta bank occupy krethen bank sei assest sell kre taka
tule nebe.r ei loan ta monthly/quarterly/annually disbursed hoi bank thke.r er maximum period 20
years.r ei loan amounta different purpose e use hote pare..jamon including up-gradation/ renovation
of residential property, medical exigencies, etc. ...tbe eta business purpose ba trading er jonno
kokhonoi use kora jbe na
64. SECURITY ON EDUCATION LOAN
1. Upto 4 lakhs NO COLLATERAL
2. From 4 lakhs to 7.5 lakhs THIRD PARTY GUARNTE IS REQUIRED
3. From 7.5 to 10 lakhs THIRD PARTY SECURITY & COLLATERAL IS REQUIRED.

65. PRIMARY SECURITY v/s COLLATERAL (MAIN 2 TYPES OF SECURITY)

PRIMARY SECURITY means THE ASSETS CREATED OUT OF BANK'S FINANCE OR CREDIT
FACILITY TO BORROWER means SUPPOSE
1. Ami ekta POULTRY LOAN nillam under PRIORITY SECTOR,,,so oi MURGI gulo hchhe bank er
PRIMARY SECURITY karon MURGI gulor eggs,chicken egulo thk BORROWER ja income korbe
sekhan thk BORROWER repaymnt korbe BANK k.
2. Akta AGRICULTURE LOAN er khetree AGRI LAND ta PRIMARY SECURITY karon okhane
chashbashh kore je crops toiri hbe sekhan thk oi BORROWER ta bank k repaymnt korbe.
3. HOME LOAN er khetre je LAND er upor HOUSE banao hchhe seta PRIMARY SECURITY.
Eta durokom hoi ekta PERSONAL & r ekta IMPERSONAL SECURITY----
PERSONAL: Jerokom ami bank thk ekta FESTIVAL ADVNC niechi tar jnyoo to kono security rakhini
but ekta DEMAND PROMISSRY NOTE e sign korechi,,,r eta hlo PERSONL SECURITY,,,personal ai
sense e j ami etai personal guarntee diechi j ami taka na dile bank amar salary thk taka kete nebe,tai
eta PERSONAL SECURITY
IMPERSONAL: er moddhe porbe HYPOTHCTN, PLEDGE & MORTGAGE egulo,,,agei discuss
hoeche ai 3te nie.
COLLATERAL SECURITY (Name tar mddei er ans lukie ache,,kono kichu imbalance thakle setak
balance kora,,say 10 takar loan nilam,,kintu amr PRIMARY SECURITY hlo 8 takar,,tokhon ami
BORROWER er thk ekta 2 takar COLLATERAL chaibo)
Suppose MR ABC ekta POULTRY LOAN nilo but BANK MANAGER er mne hchhe oi murgi thk j egg,
chicken berachhe ta die oi BORROWER puro repaymnt krte parbena tokhon MANAGER oi
BORROWER er thk ekta COLLATERAL chaibe jate LOAN ta puro secure thak,,,tar mane murgi er
dim,mangso thk to income hbei plus MANGER oi borrower ekta FIXED DEPOSIT k COLLATERAL
hisabe nie rakhlo,,jodi by chance BIRD FLU hoe jai then oi FIXED DEPOSIT thk kichuta holeo taka
recover kora jabe,,,,COLLATERAL onk kchu hote pare like FD, LIC POLICY, GOLD, SHARE,
EQUITABLE MORTGAGE etc.
eta dudhoroner hoi DIRECT & INDIRECT
DIRECT er mddhe jodi BORROWER nijer kono GOLD,FD, LIC POLICY secrty hisabe rakhlo tokhon
INDIRECT er mddhe dhoro oi POULTRY LOAN NIECHE MR.ABC r tar jnyyo guarntee dichhi AMI,,,so
ekhane ami 'THIRD PARTY GUARTNR' ,,,ekhane ami onnyo ekjon er jnyyo bank er kche guarnte
dichhi,,,,MR ABC taka na dite parle BANK ese amr thk taka recover korbe

66. BIPARTITE SETTLMNT:

Less important but jene rakha vlo as groom groom topic..
10th BPS mane 10th BIPARTITE SETTLMNT for the period of (2012-2017) i.e. bangle vasai
DIPAKKHHIKK BOITHOK between UFBU & IBA for WAGE SETTLMNT of BANK EMPLOYEES.
UFBU represent korche amader bankers der,,r er under e total 9ta union ache,,full form hlo UNITED
FORUM OF BANK UNIONS
IBA represent korche Govt of India k,,,full form INDIAN BANKS ASSOCIATION,,,er mddhe different
PSU BANK er CMD,ED & FINANCE MINISTRY er lokjon ache
Achha ebar consfusion j ei 11% j increase er kotha hchhe seta ki jeta 9th BPS (2007-2012) e chilo
17.5%.
Ei increase tak PAY SLIP COMPONENT increase bole mane (NEW BASIC + DA) er upor koto % aro
increase krbe

67. OBJECTIVE OF NATIONALIZATION

To raise the public confidence in banking system
To mobilize savings from the rural and urban areas in terms of deposits
Explanation of banking facilities to rural and semi urban areas
It is a step to break the monopoly control of big industrialist upon the banking system
Nationalization gives more credit to the priority sector
Another objective of nationalization was to ensure enough development for the planned growth of
the country

68. PAN PERMANENT ACCOUNT NUMBER

Understand the PAN (Permanent Account Number)

PAN is a 10 digit alpha numeric number, where the first 5 characters are letters, the next 4
numbers and the last one a letter again. These 10 characters can bedivided in five parts as can
be seen below. The meaning of each number has been explained further.
1. First three characters are alphabetic series running from AAA to ZZZ
2. Fourth character of PAN represents the status of the PAN holder.
C Company
P Person
H HUF(Hindu Undivided Family)
F Firm
A Association of Persons (AOP)
T AOP (Trust)
B Body of Individuals (BOI)
L Local Authority
J Artificial Juridical Person
G Government
3. Fifth character represents first character of the PAN holders last name/surname.
4. Next four characters are sequential number running from 0001 to 9999.
5. Last character in the PAN is an alphabetic check digit.
Nowadays, the DOI (Date of Issue) of PAN card is mentioned at the right (vertical) hand side of
the photo on the PAN card. .........!!!

69. CURRENT A/C VS CAPITAL A/C CONVERTIBILITY

Currency convertibility means the freedom to convert one currency into other internationally accepted
currencies, wherein the exporters and importers were allowed a free conversion of rupee.But still
none was allowed to purchase any assets abroad.
Capital Account Convertibility means that rupee can now be freely convertible into any foreign
currencies for acquisition of assets like shares, properties and assets abroad. Further, the banks can
accept deposits in any currency.
so if a foreigner buys a building in India, and after 5 yrs its selling price rises so sells it at five times
the cost he collected, now he has rupees in hand, can he easily convert these rupees into say yen
easily?
Considering that exchange rate is better in terms of INR-JPY, the foreigner would want to convert the
currency into yen..and this can be done if complete capital a/c convertibility takes place..
Remittance to foreign countries from india is restricted by RBI. for import of machines you are
remitting abroad means it is capital account convertibility. if you remit money to your son or relative
living abroad means current account convertibilty.

70. A. WHAT IS CURRENT & CAPITAL A/C IN BALANCE OF PAYMENT

B. HOW CURRENT A/C DEFICIT IS RELATED TO RUPEE DEPRECIATION

BALANCE OF PAYMENT= CURRENT A/C+ CAPITAL AC (Follow the post of CURRENT A/C
DEFICIT)
CURRENT A/C e COUNTRY er total GOODS & SERVICES er TRADING er descrptn ta thak mane
CURRENT A/C = EXPORT & IMPORT OF GOODS (TANGIBLE/VISIBLE TRADE) + EXPORT &
IMPORT OF SERVICES (INTANGIBLE/INVISIBLE) Like PROFIT EARNED ON INVSTMNTS,
BANKING, INSURANCE, REMITTANCES etc.
So, CURRENT A/C BALANCE = (EXPORT - IMPORT) OF GOODS & SERVICES
Jodi IMPORT besi hoi EXPORT er thk tokhon CURRENT A/C DEFICIT (CAD) hoi ar etak ekta
"PERCENTAGE (%) of GDP" die denote kora hoi
Ebar CAPITAL A/C e COUNTRY er total LOAN & INVESTMENT jeta amra FOREGIN SOIL theke
NICHHI and DICHHI (BOTH INFLOW & OUTFLOW) dutori record thak. INVESTMNT bolte tmi FDI,FII
egulo dhorte paro...tarmane CAPITAL A/C e COUNTRY er CAPITAL INCOME & EXPENDITURE
dutori record thak
Ebar Amra GOODS & SERVICES er trading ta kore ekta income generate korchi,,bt import besi hole
to ulto taka chole jchhe ar tokhon ai CURRENT A/C e ekta SHORTFALL thakbe (Upore jeta CAD nie
bola hlo)...KINTU ami CAPITAL A/C e JESOB LOAN NIECHI FOREIGN THK SEGULO TO METATE
HBE,,,BUT metabo ki kore??oi CURRENT A/C e to poisai nei,,,tokhon ai condtn k CURRENT A/C
DEFICIT bolbo.
Ai CURRENT A/C DEFICIT hole amader FOREIGN thk aro LOAN nite hbe karon ager LOAN gulo
chokate hbe to (Current a/c e to taka nei)..tar mane obososoi FOREIGN CURRENCY US DOLLAR,
BRITISH POUND STERLNG, EURO esob er DEMAND high thakbe AND IMPORT jodi besi hoi tahole
amader to FOREIGN THK JESOB CRUDE OIL, GOLD kinechi segulor jnnyo besi FOREIGN
CURRENCY (US DOLLAR) PAY korte hbe FOREIGN COMPNY gulok jader thk kinechi mal
gulo.....ER JNNYO amader RBI er j FOREIGN EXCHANGE RESERVE (FOREX) ache seta kome
jabe karon US DOLLAR to sob amader desh thk berie jachhe PAYMENT korte korte ,,,tai RBI er
FOREX RESERVE (Mainly US DOLLAR) o kome jabe..
EROKOM EKTA SITUATIION e-----
Amader INDIAN RUPEE (INR) er VALUE kome jbe as INDIAN RUPEE er DEMAND less r FOREIGN
CURRENCY (USD) er DEMAND high (Sobai US Dollar chaiche tokhon karon LOAN metate hobe
USD te,,FOREX kome jchhe setao mainly USD tei thak)...aivabe CURRENT A/C DEFICIT is related
to RUPEE DEPRECIATION.

71. HIGHLIGHTS OF BANKING REGULATION ACT1949-

1. SECTION 9: A bank cant hold immovable property (except for its own use) for any period more
than 7 yrs (Jodio RBI chaile exceptional case e ei period ta extend korte pare but setao 5 yrs er besi
hbena)
2. SECTION 10- Period in Office of a MANGING DIRECTOR / WHOLE TIME CHAIRMAN cant
exceed 5 yrs at a time (Etao extend kora jai but oi not more than 5 yrs at a time)
3. SECTION 20- No Banking company shall grant any loan/advances on the security of ITS OWN
SHARES.
4. SECTION 24- Defines STATUTORY LIQUIDITY RATIO (SLR)
5. SECTION 25- Each & every Calender Year (January to December) sesh hobar 30days er mddhe
sob bank k RBI er kche oisob account er details pathate hoi jegulo 10 yrs+ dhore operate hoini (FD er
khetre ei 10 yrs time ta maturity date thk calculate kora hbe)

6. SECTION 31- Sob bank k BALANCE SHEET & AUDITORS REPORT submit korte hbe within 3
months FROM THE DATE OF BALANCE SHEET
7. SECTION 35- RBI jokhon chaibe jekono BANK er upor INSPECTION korte pare
8. SECTION 35(A)- RBI jekno bank k kono direction issue korte pare ba order dite pare r bank gulo
seta mante ba korte baddho thakbe like KYC compliance, Banking Ombudsman, validity of CHQ for 3
months, clean note policy etc etc.
9. SECTION 45ZA to ZE- Nomination for deposit a/c, safe custody articles & safe deposit lockers

72. DAILY CASH MANAGEMENT IN BRANCHES

Generally branch er vault e total deposit er 0.25% rakha ta obdhi permitted as per baba RBI...but eta
practically kno brnch serkm vbe maintain krte pare na karon---
Hisab moto ajk ami amr vault e 5 lakhs er besi rkhte parbona,,,but nxt day jdi keu 8 lkhs withdrwl krte
ase den ki hbe????
Tokhon branch er kono official nearest CURRENCY CHEST thk gie taka nie asbe....
Sadharonoto kaj korte korte bojha jai j kobe taka withdrwl besi hbe tai se moto age thki manager
chest thk taka nie tobei branch e dhok.
Ar jotokhn chest thk taka asbe totokhn ager din er taka thk paymnt hbe,,,eta vule gleo hbena sudhu
paymnt noi bank e recieve o hoi,,,tai jdn taka shrt sedn oi reciept thk o kichuta manage kra jbe chest
thk taka asa obdhi..

73. RBI AS A NOTE ISSUING AUTHORITY:

A/c to Section 24 of RBI ACT , Bank notes can be issued in the denominations of Rs.
2,5,10,20,50,100,500,1000,5000 & 10000. Ekhon nly upto 1000 hoi. Ei Note gulote RBI GOVERNOR
er signature thak
#### 1 takar note print kore GOVT OF INDIA & it carries signature of FINANCE SECRETARY.
Because, Rs. 1/- is our BASE CURRENCY UNIT. Ei 1 taka er DENOMINATION die je kono amount
amra PAY korte parbo.Tachara ai Rs. 1/- tak amader ASSET dhora hoi as eta BASE CURRENCY.
Kintu RBI je NOTE gulo issue kore tate lekha thak I PROMISE TO PAY THE BEARER THE SUM OF
ONE HUNDRED RUPEES (Incase of a Rs. 100/- NOTE). AI KOTHA TA LEKHAR MANE sei NOTE
ta amader LIABILITY hoe gelo as ami promise korchi ota PAY korte. TAI RBI Rs. 1/- er NOTE
ISSUE KORENA,,,Govt of India kore.
A/c to Section 31 of RBI ACT , No person other than CENTRAL GOVT & RBI can issue a
PROMISSORY NOTE or BILL OF EXCHANGE made payable to bearer on demand.
Tar mane RBI amader desher CURRENCY NOTE er CIRCULATION ta maintain korche but sob jaigai
to RBI nei..to gram e gonj e taka asbe ki kore,,SO ai khetre RBI nijer substitute hisabe CURRENCY
CHEST er FUNDA eneche.
RBI act anouzai, RBI appoints PSU Banks to act as RBIs AGENT for distribution of money through
CURRENCY CHESTS
Ai CURRENCY CHEST BRANCH gulo te JOTO TAKA thak sob RBI er PROPERTY,,,Diffrnt PSU
banks er DIFFERENT BRANCHES AS A CURRENCY CHEST hisabe kaj kore ACCORDING to their
SERVICE AREA.
Say ekta EXAMPLE: Amr BRANCH er name XYZ BANK, BARRACKPORE BRANCH,,,,Ai BRANCH
e ekta CURRENCY CHEST ache,,amar SERVICE AREA entire DUNLOP to
BARRACKPORE,,,So oi AREA te jokhon XYZ BANK er KONO BRANCH er TAKA KOM PORE
JABE (SHORTAGE) tokhon sei BRANCH er KONO OFFICIAL amar BARRACKPORE BR er
CURRENCY CHEST thk TAKA nie jabe,,,thik er ulto tao hoi,,,,sobai jano hoito j EKTA BRANCH er
CASH HOLDING limit hochhe 0.25% of TOTAL DEPOSIT of the BRANCH,,,Mane ekta branch er
total deposit Rs. 10000/- hole sei branch tar VAULT e maximum (10000*0.25%)= Rs. 25/- taka rakhte
parbe AFTER END OF THE DAY PROCESS mane Protteyk din BRANCH bondho korar age...EI
LIMIT ER THK BESI CASH HOLD KORLE RBI FINE KORBE,,,RBI bose bose sob dekhte pai....EBAR
jdi BRANCH er kche Rs. 35/- taka thak then ki kora hobe???tokhon oi excess (35-25)=10/- taka RBI
er kache pathie dewa hbe through CURRENCY CHEST. Ei khetre CHEST e ese branch ( j branch e
taka besi thakbe) official excess 10 taka joma die jbe.
Ei vabe amra CURRENCY CHEST er through die RBI er thk taka nichhi abr besi thakle excess
amount ta joma die dichhi (Please er sthe CRR,REPO RATE esob guile felis na,,ogulo alada
jinis)...MIND IT ...PSB Banks are ACTING ON BEHALF OF RBI..CUREENCY CHEST & tar ENTIRE
AMOUNT holo RBI er PROPERTY...
Diner seshe ja taka pore thaklo seta CURRENCY CHEST thk RBI er kche chole jai...Ar RBI er kche
PSB bank gulok DAILY REPORT submit korte hoi (REPORT ta via CONTROLLING OFFICE & HEAD
OFFICE chole jai RBI er kche) j CHEST thk kto TRANSCTN (Both DEBIT & CREDIT) hlo as on
dated..

74. INR CURRENCY NOTE

RBI NOTE e lekha thak " I PROMISE TO PAY THE BEARER THE SUM OF SO N SO RUPEES",,,,tar
mane ei noi j CURRENCY NOTE ekta PROMISSORY NOTE
CURRENCY NOTE is a MONEY,,,It is not a PRMISSORY NOTE karon CURRENCY NOTE gulo RBI
print krche as per RBI ACT,,,Ar PROMISSORY NOTE issued hoi according to NEGOTIABLE INSTR
ACT'1881,,,,ar CURRENCY NOTE is a MONEY and it does not carry any of the features of
PROMSRY NOTE
So CURRENCY NOTE is not a PROMISSORY NOTE (a/c to SECTION 21 OF INDIAN CURRENCY ACT)
Ar ekta kotha j CURRENCY NOTE ta print korar sole responsblty RBI er,,,NOTE er security
features,design,circulation eisob kichu RBI control kore and eta GOVT OF INDIA er snge consult kore
kora hoi
BUT,,RBI j coin issue krche seta "AS AN AGENT OF GOVT OF INDIA",,,,according to COINAGE
ACT,,,,COINT mint or issue korche GOVT OF INDIA,,,,RBI is acting as AN AGENT OF
GOVT,,,,,COING ACT ONUZAI UPTO 1000 denomination er COIN issue krte pare RBI ( MAXIMUM
1000)

75. CBS (CORE BANKING SOLUTION):

Ai term tar sthe sobai kom besi familier but the thing is that what do you mean by CBS? Amio besi
janina but ai 7 month e jotota bujhte perechi setai bolchi
1983-84 te DR. C. RANGARAJAN COMMITTEE first tym Banking industry te computerisation and
Mechanisation recommend kore. As etar main motive chlo better service & to achieve more profit.
COMPUTERISATION ---- BETTER (CUSTOMER SERVICE + DECISION MAKING +
HOUSEKEEPING) -----INCREASED PROFITABILITY (Etai main flow)
So, 1980s er jug e first time introduced hlo automation in banking industry that is ALPM (ADVANCED
LEDGER POSTING MACHINE),,,Ei ta amra keui chokhe dekhini but main bparta hlo ALPM er khetre
EACH & EVERY WORK er jnyyo ekta alada alada COMPUTR thakto like
SAVINGS,CC,OD,FD,LOAN,CHQ CLEARING sober jnnyo alada alada machine thakto and egulo
INTER CONNECTED chilo na,,,just manual work tak COMPUTERSD kora hlo,,,dhoro MACHINE 1 e
hbe SAVINGS A/C er kaj, MACHINE 2 te hbe FIXED DEPOSIT er kaj erokom r ki.
ALPM ta chilo WITHIN BRANCH
Er pore 21st CENTURY te elo CORE BANKING SOLUTION or CBS:
SBI first bank j CBS k fully implement kore,,ai term CBS er mddhei er mane ta lukie ache.
CBS e C stands for CORE = CENTRALISED ONLINE REALTIME EXCHANGE
1. CENTRALISED means j puro BANKING ACTIVITIES tak ekta kono CENTRE thk control kora
hchhe. Ei CENTRE ta holo BANK HEAD QUARTER er DATA CENTRE,,Ora puro matter ta handle
korche,,Head office e bose sob dekhte pachhe k ki korche ar chaile j kno BRANCH er kaj e interfere o
korte parbe,,BRANCH e kono CBS related problem hole seta DATA CENTRE oi HEAD OFFICE e
bose bose solve kore dichhe otherwise PHONE e instruct o kore dichhe j ki korle problem ta solved
hobe.
CENTRALISED refers to CONTROL OVER EVERY ACTIVITIES OF EVERY BRANCHES
THROUGH CENTRAL SERVER in DATA CENTRE
2. ONLINE mane ar alada kore kauk bolar dorkar nei,,eta bolai bahuullyo j full bpartai ONLINE nahle
KOLKATA HEAD OFFICE te bose MUMBAI er kono BRANCH er PROBLEM SOLVE ki vabe korbe!
3. REALTIME mane j puro bpartai SONGE SONGE or koek micro second e hoe
jachhe,,KEYBOARD e 4 te KEYS PRESS korle puro ACCOUNT er balance songe songe ZERO hoe
jbe! Kono WAITING PERIOD nei,,ja korbo tar result songe songe show korbe
4. EXCHANGE means BANK e sob jinis er ektai funda seta hlo DEBIT (-) & CREDIT (+)
TRANSACTIONS,,Mane EKTA ACCOUNT KHALI HOCCHE AR EKTA ACCOUNT E SEI TAKA TA
JOMA PORCHE...BANK e SINGLE TRANSCTN kichu nei,,,sobi DOUBLE TRANSCTN DEBIT kro,
tarpor CREDIT koro ...PATI Bangla vasai ADAN-PRODAN ar ingrizzi te EXCHANGE.
So, CBS ta hlo WITHIN BANK
CBS is a combination of (COMMUNICATION + INFORMATION) technology.
CBS e ai j DATA TRANSFER hochhe ba ai sob j TRNSCTN hchhe seta mainly duto typer
CONNECTION die hoi. Karon BRANCH,ZONAL OFFICE, CIRCLE OFFICE, HEAD OFFICE er
mddhe INFORMTN SHARE korar ekta "MEDIUM" to dorkar....
So,,,Ekta hlo LEASED LINE & ar ekta hlo VSAT (VERY SMALL APERTURE TERMINAL)
LEASED LINE e CABLE CONNECTION thak,,,normally BSNL provide kore,,,URBAN & METRO
BRANCHES e use hoi,,,KHUBBBII FAST CONNECTION
VSAT e SATELLITE CONNECTION thak,,,,NO CABLE,,,,only SATELLITE..RURAL & ghater mora
branches (REMOTE AREA) e use hoi jerokom amar BRANCH ,,,,,COMPARTVLY ONK SLOW
CONNECTION.
Why CBS:
1. MANUAL & ALPM er time e tmar j branch e account only sekhan theki transctn korte parte but CBS
asate esob golpo vule gie elo ANY WHERE BANKING mane PNB AGRA te ACCOUNT thakle
tumi PNB TALLYGUNG thko nijer ACCOUNT FULL OPERATE korte parbe,,,Karon CBS e sob kota
BRANCH er COMPUTER oi HEAD OFFICE er CENTRAL SERVER sthe connected.
but CBS na thakle tomak sei AGRA te chutte hoto.
Tarmane CBS asa te tmi ar "CUSTMR OF PNB-AGRA BRANCH" thakle na,,tumi ekhn " CUSTOMER
OF PNB BANK" hoe gele,,,tomar ekhn PNB BANK e ektai CUTOMER ID thakbe ja die jkno branch e
jkno BANKING ACTVTS korte parbe lyk ac opening,depost, withdrwal,,loan...each n evry thing..
2.CBS er lej dhore market e elo ALTERNATIVE DELIVARY CHANNELS- ATM, MOBILE BANKING,
INTERNET BANKING,,,,,So concept ta change hoe holo ANY WHERE , ANY TIME (24*7)
BANKING
Ar lomba line e na darie ghore bosei fund trf,neft,ac open korte parbe...

76. PROMISSORY NOTE & BILL OF EXCHANGE

A. PROMISSORY NOTE:
Mr. SOURAV GANGULY ekta 50000/- taka er LOAN nieche STATE BANK OF INDIA,
THAKURPUKUR Branch thk. Loan ta sanctioned hobar age SOURAV ekta PROMISSORY NOTE e
SIGN korbe and tate lekha thakbe:
I, Mr SOURAV GANGULY (MAKER/PAYER) promise to PAY the sum of Rupees (50000/ +
INTEREST ) with a interest rate of 4% above the BASE RATE which is now 10.20% to the STATE
BANK OF INDIA, THAKURPUKUR BRANCH (PAYEE) on DEMAND or after a particular FIXED
PERIOD
### HOPE j eta bojha gche INTERST RATE hlo (10.20+4)=14.20%
So, in brief PROMISSORY NOTE -
1. Definition pabe SECTION 4 of NI ACT1881
2. It is an NEGOTIABLE INTRMNT in WRITING tai eta transferable mane negotiable.
3. It is an UNCONDITIONAL UNDERTAKING
2. Duto PARTY ache- MAKER/PAYER & PAYEE
3. Ete Sign korbe MAKER ar sign ta hobe akta REVENUE STAMP er upor die mane across.
2. BILLS OF EXCHANGE:
Mr. SOURAV GANGULY ekta 10000/- takar LOAN DIECHE, Mr. RAHUL DRAVID k. Tarmane eta
khubii sposto j SOURAV oi 10000/- taka ta DRAVID er kach thk ferot pbe. But,,,
Mr. SOURAV GANGULY nijei age ekta 10000/- takar LOAN nie rekheche Mr. VIRAT KOHLI er kach
thk. Tarmane etao sposto j SOURAV k oi 10000/- taka ta KOHLI k ferot dite hbe. Erokom ekta
situation e MR. SOURAV GANGULY ekta BILL OF EXCHANGE issue korben art ate lekha thakbe-
I, Mr. SOURAV GANGULY (DRAWER) orders Mr. RAHUL DRAVID (DRAWEE) to pay the sum of
rupees 10000/- to MR. VIRAT KOHLI (PAYEE) on DEMAND or after a particular FIXED PERIOD
So, in brief BILLS OF EXCHANGE -
1. Definition pabe SECTION 5 of NI ACT1881
2. It is an NEGOTIABLE INTRMNT in WRITING tai eta transferable mane negotiable.
3. It is an UNCONDITIONAL ORDER (Jekhane PROMSRY NOTE e eta chilo UNDERTKNG)
2. Tinte (3 Nos.) PARTY ache- DRAWER, DRAWEE, PAYEE
3. Ete Sign korbe MAKER/DRAWER
## Ektu vebe dekhbe j BILL OF EXCHANGE puro CHEQUE er CONCEPT means CHQ is a type of
BILL OF EXCHNG
CHQ e jemon ORDER and BEARER er concept ta ache ekhaneo serokmi bparta,,,,ei BILL OF
EXCHNG ta DRAVID chailei HARBHAJAN k trnsfr korte pare jodi DRAVID o HARBHAJAN er thk taka
pai,,,,tokhon HARBHAJAN finally taka ta PAY korbe...
Abr erokomo hote pare j ai BILL ta VIRAT KOHLI trnsfr kore dilo VIRENDR SEHWAG er name jodi
SEHWAG kichu taka pai KOHLI er thk,,,tokhn KOHLI er bodole finally taka ta SEHWAG pbe
Erokm vbe ghurte thkbe...

77. BAILIEE-BAILOR & LESSOR-LESSEE:

BAILIEE-BAILOR:
Eta hlo BANKER-CUSTOMER relationship in case of SAFE CUSTODY OF ARTICLES
....Dhoro amar kche kichu antique ache jegulo ami kodin por bideshe nie jbo but ai kodiner jnnyo ota
ghore e rakha safe noi tai otak ami bank er safe custody te rkhbo.bole thik korlm
So, oi ANTIQUE gulor OWNER hlo AMI but etar TEMPORARY POSSESSION nichhe BANK,,,not
ACTUAL OWNRSHP,,mind it,,,,ar AMI ei BANK k oi ANTIQUE gulor TEMPORARY POSSESSION er
RESPINSBLTY ta diccchi.
Tai in this case of SAFE CUSTODY OF ARTICLES,,,,,the BANK is BAILIEE who has the temporary
possession of the antqs and I AM the BAILOR who temporarily trnsfr the possession of the antqs to
the BANK....
LESSOR-LESSEE:
It is also a BANKER- CUSTOMER relationship in case of ' SAFE DEPOSIT LOCKER' ,,it is difrnt from
SAFE CUSTODY.
Say ami vblm ami amar golden jewllry gulo barite rkhbona,,its not safe...tokhon ami BANK er kche jbo
ekta LOCKER nite on RENT BASIS....BANK e various SIZE r DIFFERENT PERIOD er jnnyo
LOCKER bhara ba rent e pawa jai,,,,rent amount tai size r period er upor depend kore,,,LOCKER gulo
bank er sb thk safe r strong area te hoi,,,2 to key thak,,ekta Customer r ekta Bank er kche thak,,,ekta
single key die locker khulbena,,2 to key lagale tobei khulbe....
EKHANE LOCKER er MALIK holo BANK ar seta VARA nicchi AMI,,,
Pati BANK hlo LANDLORD ar AMI hlam TENANT ba VARATE
So in case of SAFE DEPOSIT LOCKER,,,BANK is LESSOR who is the owner of LOCKER and I AM
the LESSEE who rent the LOCKER from BANK or LESSOR....

78. MONETARY POLICY V/S FISCAL POLICY

MONETARY POLICY :
1.monetary policy is the process by which the monetary authority of a country controls the supply of
money,setting different rates(crr,slr,repo reverse repo etc)to attain set of objectives oriented towards
the growth & stability of the economy
2.manipulating the supply of money to influence outcomes like economic growth,inflation,exchange
rate with other currencies & unemployment
3.policy maker reserve bank of india
4.policy tools :CRR,SLR,repo,reverse repo
FISCAL POLICY:
1.fiscal policy is the government expenditure & revenue collection to influence the economy
2.manipulating the level of aggregate demand in the economy to achieve economic objective of price
stability,full empolyment,economic growth
3.policy maker:government of india
4.policy tools:taxes,amount of government spending

79. PARTICIPATORY NOTE (P-NOTE):

Vai ebong boneder kache onurodh vul kreo jate etar sthe PROMISSORY NOTE mixed up na hoe
jai,,ekta sumeru r ekta kumeru.Tai ektar mddhe r ekta k tanar dorkar nei. Ebr topic e asa jak-
Prothomei bole di ai P-NOTE kintu multi million der jnnyo,,bangla er banker der jnnyo noi.
Suppose Mr. SMITH hlo FRANCE er ekjon boro honu , valo vasai HIGH NET WORTH INDIVIDUAL.
So tini vblen j kom somoy e onk besi taka pete hbe mane onk taka invest korben ar kom time e onk
high return pete chan. So er jnnyo onak SHARE/BOND er invest korte gele DEMAT A/c khulte hbe ar
tar jnyyo sei document,Income tax, ei oi onk kichu lagbe bt SMITH er main motive MAXIMUM
POSSIBLE RETRUN IN MINIMUM TIME, Ebar erokm bpar spar korar jnnyo onak FOREIGN
COUNTRY te invest korte hbe TAO ABR ONK HIGH RISKY SHARE / BOND e karon jekhane RISK
besi okhane RETURN besi. Kintu sob deshei Jodi SMITH ekta kore DEMAT A/c khule rakhe then or
PROFIT to kome jabe as DEMAT er ekta fees o dite hbe r time o lage esb korte. Tokhon SMITH ekta
shortcut nilo.
Say, Mr. SMITH thik korlen INDIA te INVEST korben,, but tar jnnyo to onak SEBI er sthe registrd hote
hbe ar tokhni tini ekta FOREIGN INST INVESTOR (FII) er title paben. But oto jhamela te uni jaben
na,,uni amader desh e emn ekta compny/individual k dhorben jar already DEMAT A/C ache, jeta
already ekta SEBI REGISTRD FII (Say ekta random example nilam DEUTSCHE BANK). Ebar Mr.
SMITH nijer taka poisa ja debar die dilen DEUTSCHE k ar DEUTSCHE k SMITH order dilen j Tumi
TCS er 1000 ta SHARE/BOND kine rakho. SMITH er kotha moton DEUTSCHE oi TCS er 1000 ta
SHARE KINE DEUTSCHE er DEMAT A/C er rekhe dilo,,SMITH k kintu dilo na ar tar poriborte
DEUTSCHE tokhn MR.SMITH k ekta RECIEPT DEBE AR TATE LEKHA THAKBE ON BEHALF OF
MR. SMITH, DEUTSCHE BANK TCS ER 1000 TA SHARE KINE REKEHCHE AR SETA DEUTSCHE
ER DEMAT A/C E JOMA KORA ACHE......This Reciept is called PARTICIPATORY NOTE
So, PARTICIPATORY NOTES are issued by REGISTRD FOREIGN INST INVESTR (DEUTSCHE) to
OVERSEAS INVESTOR ( Mr. SMITH) who wish to invest in INDIAN STOCK MARKET without
registrng with Apex Body SEBI
Etak OFFSHORE DERIVATIVE INSTRUMENT o bole karon
A. OFFSHORE Mr. SMITH bideshi mal, edesh e invest korche othocho INDIA te na ese ba
ekhane office na khule
B. DERIVATIVE - Mane ei j TCS er 1000 ta share kinlo DEUTSCHE,,er value to kal komteo pare abr
barteo pare,,puro market condtn er upor depend korche...mane ei share gulo er value FIXED noi,,the
value will be DERIVED from present market condtn..ajk per share 500 taka hole kalk ota 400 o hote
pare abr 600 o hote pare.
C. INSTRUMENT- Eta bojhai jachhe j P-NOTE ekta self explntry financial instrument.
Mr. SMITH duto jinis korte pare-
1. Jokhon dekhlo TCS er share er dam bere gche tokhon DEUTSCHE k bollo j tumi amar 1000 ta
share bikri kore dao,,ja poisa pawa gelo sekhan thk DEUTSCHE nijer commission kete bakita SMITH
k die dilo ar SMITH oi P-NOTE ta DEUTSCHE k return kore dilo
2. Ar ekta case hote pare j SMITH oi P-NOTE ta k bikri kore dilo ar ekta bideshi k say Mr. RICHARD
k.
PROBLEMS WITH P-NOTES:
SEBI ai sob FII gulo jara P-NOTES issue korche tader k bole dieche j 3 mas ontor tara jeno tader P-
NOTE HOLDER der details SEBI k dei..BUT ai 3 mas e oi P-NOTE ta SMITH to RICHARD,
RICHARD to CHARLIE, CHARLIE to ROBERT erokom kotojoner mddhe die circulate hote thakbe tai
P-NOTE er orgnl owner obdhi jawa khub kothin, tai P-NOTE k MONEY LAUNDRNG & TERROR
FINANCNG e USE kora hchhe.
A. MONEY LAUNDRNG: Boro boro BLACK MONEY HOLDER ra tader taka bidesh e pathie DOLLAR
e convert kore P-NOTE er dara INDIA te INVEST korche ar eto LAYER thakar jnnyo orgnl owner k
jana tao khubi problmtc
B. TERROR FINANCE: As Mr. SMITH taka ta jkno smy INDIA thk tule nite pare tai etak HOT MONEY
bole,,Say ajk SMITH 2000 ta TCS er share kinlo but kal bikri kore dilo tokhn SHARE market down hoe
jbe ar SMITH nijer taka nie chompot dbe,,,TERRORIST ra FAKE INR CURRENCY print kore
DOLLAR e CONVERT kore P-NOTES er through die INDIA te invest korche ar MARKET
FLUCTUATION kore j PROFIT ta korche ota ANTI-NATIONAL ACTVTY te kaj e lagachhe....

80. MONEY LAUNDERING:

Soja bangle vasai kalo taka k sada kora. Kintu kivabe??? Khub ekta osubidha hoina jara onk din esob
jholjhal korche. Taderk matro 3 te step follow korte hoi. Say, ami nije ekta XYZ CHARITABLE
TRUST chalai but actually ami ekta DRUG-SMUGGLER. New year & X-Mass er time Goa te
smuggling kore prochur taka kamiechi dhoro 50 Lakhs. Kintu osubidha hochhe taka to kamie nilam
but khorcha kortei to problem. Jodi FLAT kini ba LUXURY CAR kini tao to BANK er through tei hbe ar
BANK e hothat amar a/c e oto taka credit(+) korle savabik vabei BANKERS, INCOME TAX, POLICE
even CBI obdhi amak dhore chorom kelani dite pare. Ar Jodi etogulo taka khorchai na kori tahole are
smuggling kore luv ki....
Erokom ekta situation e amak bachate elen MR. MONEY LAUNDERING je amak 3 te osudh die
amar ai kothin rog ta sarie debe. Ai 3 te holo PLACEMENT LAYERING INTEGRATION.
Ami 10 jon nesha khor, laedhkhor sango pango k jogar korlam ar bollam amar ai kalo taka k sada
korte help kor, ami toder per head 50000/- kore debo, kutta gulo ek barei raji. Ebar ami maidan e
namlam
1. FIRST STEP (PLACEMENT):
Ami amar oi 10 ta gadha der prottyek er name e 10 ta DIFFERENT BANK e ACCOUNT khullam with
full KYC as sobar VOTER ID ache. So, total no of gadhas = 10 Nos., No of Bank = 10 Nos., 1 ta
gadha er name e 10 ta different BANK e SAVINGS ACCOUNT khullam, so erom vabe baki 9 joner
name eo oi 10 ta different BANK e ACCOUNT khullam. So total no of ACCOUNTS holo (10*10) = 100
ta as 1 joner ACCOUNT ache 10 ta alada alada BANK e, So 10 joner ache (10*10)=100 ta, khubi
simple hisab.
Ekhon oi 50 Lakh taka k ai 10 joner mddhe divide kore dilam mane per head 5 lakh taka. SO,,,,
I. Prottyek er kache ache 5 Lakhs
II. Prottyek er BANK ACCOUNT ache 10 ta
III. So Prottyek ta gadha PER BANK ACCOUNT e joma dite parbe 50000/- KINTUUUU
Ami agei jantam j Ekta SINGLE DEPOSIT e Jodi 50000/- OR ABOVE joma dewa hoi tahle
PAN details MUST. Tai ami agei safeside hoe glam ar oi 10 jon k instruct korlam-
IV. Tomra prottyek e NIJEDER 1 TA BANK ACCOUNT e duto (2 Nos.) 25000/- takar INSTALLMNT e
taka ta joma dao, emn kichu high value o noi tai karor doubt o hobe na Jodi i ami 3-4 diner mddhe 2
to 25000 er instlmnt joma di.
V. So Each n every gadhas tader 10 ta different BANK er account e 5 lakh kore joma dilo (25000 er
duto instalmnt e 1 ta bank e joma dilo mane 1 ta BANK ACCOUNT e joma porlo 50000 taka , thik
eivabei 10 ta BANK Account e joma porbe 50000*10= 5 LAKHS taka)
VI. 10 jon ei SAME RASTA nilo taka joma korar, TOTAL TAKA JOMA PORLO (5 LAKHS*10)= 50
LAKHS tao abr within ONE WEEK
TARMANE, EKTA DRUG SMUGGLING KORA 50 LAKHS TAKA K AMI KHUB EASILY 1
WEEK ER MDDHE AMADER FINANCIAL SYSTEM/ECONOMY te ENTRY KORIE DILAM & SOB
THK BORO KOTHA BANK OFFICIALS & INCOME TAX DEPT ER CHOKH E DHULO DIE, SO KEU
JANTEO PARLONA J TAKA TA ACTUALLY KOTHA THK ESCHE & AMAK KEU DOUBT O
KORLONA
THIS IS CALLED THE VERY FIRST STEP OF MONEY LAUNDERING PLACEMENT
Techincally speaking PLACEMENT is the STAGE where ILLEGAL FUNDS (i.e. 50 LAKHS) are
INITIALLY PLACED (i.e 10 ta Bank a/c e 10 jon er taka joma dewa) into FINANCIAL SYSTEM
(BANKING SYSTEM) by SEPARATING the IDENTITY from its ORIGINAL ILLEGAL SOURCE (i.e.
DRUG SMUGLNG)
BAES EBAR AMAR KAJ ONK TA HALKA HOLO, ATLEAST 50 LAKH TAKA SOBAR CHOKH ERIE
BANK E DEPOSIT TO KORE DILAM. Kintu only DEPOSIT kore ki hbe, amar main motive to taka ta
USE kora.
2. SECOND STEP (LAYERING):
Second step e ami amar gadha gulok bollam Tora toder BANK A/C er through die amar XYZ
CHARITABLE TRUST er ACCOUNT e oi 50 LAKHS taka ta SEND kor as DONATION/ AID/ HELP
Ebar 10 jon ache,, prottyek er 10 ta kore ACCOUNT,,,Ebr sobai NEFT, RTGS, CASH DEPOSIT, ECS
erokom MULTIPLE WAY te & onk bar e say 5-6 bar e amar XYZ CHARITABLE TRUST A/C e SO
CALLED DONATION pathalo ba send krlo ba joma korlo. Ai process ta korte oi 10 joner hardly 1
WEEK lagbe. Lokjon vabche ami hevvy somaj seva korchi othocho ami GOVERNTMNT er chokhe e
dhulo die amar SMUGLNG kora 50 LAKHS taka khub buddhi kore edik odik e ghurie abr NIJER
KACHEI nie elam. 1 week er mddhe amar oi 50 Lakh taka ta ghure fire as a DONATION abr amar
kachei fire elo, keu prosno korar nei, afterall somaj seva bole ktha, puro sada taka, kono gondogol
nei. Ami kalo taka k asian paints die rong kore sada kore nijer ACCOUNT e nie elam, keu amar ekta
chul o baka korte parbe na as these are legal source i.e. DONATION.
THIS PROCESS IS CALLED LAYERING
Technically speaking LAYERING IS A PROCESS THROUGH WHICH MONEY LAUNDERER (AMI
nijei) TRIES TO DISGUISE THE TRUE ORIGIN (i.e DRUG SUMGLNG) OF TRANSACTION
THROUGH A SERIES OF REPEATED TRANSACTIONS (NEFT/RTGS/ECS etc) FROM ONE
ACCOUNT (100 Accounts of 10 gadhas) TO OTHERS (Account of XYZ CHARITABLE TRUST)
Eibar GADHA der kaj ses, oder prottyek k ami 50000/- taka die bari pathie dilam, orao khus, serokm
kono labour na diei 50000 kamie nilo. Amar account e Baki pore roilo (50 LAKHS (50K*10))= 45
LAKHS.
3. THIRD STEP (INTEGRATION):
Ebara i 45 LAKHS taka ta puro WHITE MONEY jeta naki 2 weeks ageo SMUGLNG kora BLACK
MONEY chilo,,Ami oi 45 LAKHS taka ta onk gulo choto choto instlmnt e 30 days er mddhe amr NIJER
(SELF) name e j 5 ta BANK ACCUNT ache ogulote TRANSFER korlam ar jehetu TRUST account tai
5-10 Lakhs transaction emon kichu boro bpar noi tao abr 1 month e, tai ebareo karur nojor e elam na.
Ses mes ami aro 15 diner mddhe puro 45 Lakhs ta ekta SINGLE BANK ACCOUNT e TRANSFER
korlam ar oi taka die ekta AUDI er LUXURIOUS CAR kinlam. BAES khel khotom, poisa hojom.
PURO 50 LAKHS BLACK MONEY AMI 2 MONTHS ER MDDHE WHITE KORE ABR AMADER
LEGAL ECONOMY TEI DHUKIE DILAM, kono sala ektuo ter pelo na j GOVT r BANK er nak er nich
die kivabe 50 LAKH ta circulate hoe ekjon SMUGLR ekta AUDI kine fello, ar Ami eto safeside
khelechi j amak keu dhorteo parbena.
So, Technically speaking INTEGRATION IS THE STAGE WHERE ILLEGAL FUNDS ARE
INTEGRATED INTO FINANCIAL SYSTEM AS TRUE LEGITIMATE FUNDS (i,e PURCHASING AUDI
CAR)
SO, MISSION IMPOSSIBLE ACCOMPLISHED.
MONEY LAUNDERING CYCLE COMPLETED

81. HOW TO PREVENT MONEY LAUNDRNG

Asole purotai depend korche ekjon BANKER er approach er upor. Dekha jak ki vabe etak atkano
jabe-
1. Every BANK & FINANCIAL INST er BRANCH gulok nijeder CONTROLLING OFFICE
(ZONAL/CIRCLE/REGIONAL OFFICE) e 3 te report submit korte hoi, then ai report gulo VIA
CONTROLLING OFFICE & HEAD OFFICE chole jai RESERVE BANK OF INDIA er kache & ekta
copy jai FINANCIAL INTELLIGENCE UNIT, GOVT OF INDIA, NEW DELHI er kache. Ai 3 te REPORT
hlo-
I) CASH TRANSACTION REPORT (CTR): Kono BANK account e (whether it is DEBIT or CREDIT
and DEPOSIT A/C or LOAN A/C ) ek mash e Jodi 10 LAKHS & ABOVE Transction hoi then seta ai
CTR report e included hobe, Emon ki ALL SERIES OF CASH TRANCSTN WHICH ARE
INTEGRALLY CONNECTED TO EACH OTHER mane 10 ta close friends er total aggregate trnsctn
hlo 12 lakhs then etao CTR report e included hobe (Ai 10 lakhs transctn is applicable in case of both
INDIAN CURRENCY-INR & FOREGIN CURRENCY-USD, YEN, POUND etc). Ar 50000 above
DEPOSIT hole to PAN CARD MUST eta janai ache. CTR report ta MONTHLY basis e SEND korte hoi
II) SUSPICIOUS TRANSACTION REPORT (STR): According to PREVENTION OF MONEY
LAUNDERING ACT 2002 ai STR report tao send korte hoi but eta puropuri BANKER er APPROACH
er upor depend kore, Ai report e sei sob trnsctn included hobe jegulo sondeho jonok like EKTA AUTO
WALA ESE hothat 4 LAKHS TAKA JOMA DILO & JODI QUERY KORA HOI THEN FUMBLE
KORCHE, ba EKTA CUSTOMER K DEKHE MONE HLO AI MAL TA TERROR FINANCNG e
INVOLVED ba EKTA MISTI-er DOKANER LOK ESE ROJ 20000/- TAKA KORE JOMA DICHHE. So it
is depending upon BANKERs SHARPNESS & EXPERIENCE. Ai STR report ta jokhoni gondogol
mone hobe tokhni pathate hbe.
III) COUNTERFEIT CURRENCY REPORT (CCR): Jesob transctn e FAKE NOTE ba FORGED NOTE
er quantity besi or any type of FRAUD realted to CURRENCY NOTE besi ba doubtful then seta CCR
REPORT e asbe. Ai report tao jokhn mone hbe then pathate hbe.
2. REVISED PREVENTION OF MONEY LAUNDERING ACT which defines THE ACT OF
TERRORISM and eta ager thk onk ta paka pokto and tough....
3. FINANCIAL INTLGNC UNIT (FIU) ai sob REPORT gulo analysis kore ekta DATABASE maintain
kore jeta according to INTERNATIONAL STANDARD as recommended by FINANCIAL ACTION
TASK FORCE for ANT MONEY LAUNDERING & COMBATING FINANCING OF TERRORISM.
4. POLITICLY EXPOSED PERSON & NGO-NON GOVRMNTL ORG/NPO-NON PROFIT ORG er
ACCOUNT gulote khub FOREIGN thk taka er adan prodan hoi tai ai account gulo r HIGH RISK
CUSTMR der ACCOUNT gulo SPECIAL MONITOR kora hoi
5. FULL KYC COMPLIANCE (agei details e discussion hoeche) specly for HIGH RISK CUSTMRS.
6. DEMAND DRAFT/PAY ORDER/FIXED DEPOSIT egulo 49999/- er upor hole CASH PAYMNT e
hobe na,,,tokhon direct CUSTOMER ACCOUNT DEBIT (-) KORE DRAFT ACCOUNT or FIXED
DEPOSTI ACCOUNT CREDIT (+) hbe mane TRANSFER TRANSCTN hbe not CASH TRANSCTN
jate SOURCE OF MONEY ta jante para jai.....
7. CLOSE MONITORING OF FOREIGN EXCHANGE or FOREX MARKET jekhane ai kalo taka sada
korar bparta besi hoi & FOREIGN thk frequently HIGH VALU TRANSCTN/REMMITNCE holeo
seguloteo RBI, FIU, FOREIGN EXCHNG MNGMNT BOARD nojor rakhe..

82. IPO (INITIAL PUBLIC OFFERING) v/s FPO (FOLLOW ON PUBLIC OFFERING):
Say amar ekta PRIVATE LIMITED COMPANY ache (Say ekta MANUFACTURING FACTORY ache)
and ami ekhon vabchi j buisns to valoi hchhe so ekhn best time ai COMPNY tak SHARE MARKET e
entry koranor. Ar kono CMPNY jokhoni SHARE market e ENLISTED hobe tokhon seta PRIVATE
theke PUBLIC LIMITED COMPANY hoe jabe. Ami thik korlam j amar ai COMPNY tak BOMBAY
STOCK EXCHANGE (BSE) te ENLISTED korabo ba dhokabo.
Airokom ekta condition e amak j PROCESS tar help nite hbe seta holo IPO- Initial Public Offering
er,,,etak PRIMARY OFFERING o bole..karon IPO sobsomoy PRIMARY MARKET e hoi jekhane
generally NOTUN/FIRST TIME/INITIAL SHARE/BOND launch korar bpar spar hoi.
Tahle ebar ami ki krbo??
Ami ebar amar COMPNY er 10,000 ta SHARES, market e charlam for PUBLIC for the FIRST TIME
and per share er price hlo 20/- taka. Songe songe Lokjon amar share gulo hurhur kore kine fello.
Erpore, amar COMPNY er CAPITAL mane OWN ASSET/NIJER TAKA te ADDITION holo
(10000*20)= 2 LAKHS taka. Ami eta dhore nilam j total 10000 jon lok amar oi 10000 ta SHARE
kineche i.e. Number of SHARE-HOLDERS= 10000 jon. Amak kintu ai 2 LAKHS taka ta oi 10000 jon
SHARE-HOLDER der RETURN dite HOBENA,,,BUTTTT jokhon amar CMPNY PROFIT korbe ar ami
FINANCIAL RESULT announcd korbo then sei PROFIT theke ai 10000 jon SHARE-HOLDERS der
PROFIT er VAG dite hobe (Ei profit er vag tak bola hoi DIVIDEND jeta SHARE-HOLDER der dewa
hoi) karon era amak amar COMPNY er initial CAPITAL RAISE korte help korechlo through IPO. Era
tokhon amar oi 10000 ta SHARE i.e 2 LAKHS takar SHARE na kinle amar CMPNY hoito aj ai
PROFIT ta korto na.
Technically speaking IPO is nothing but SALE OF SHARES (i.e 10000 Nos share of my Company)
OF A UNLISTED PVT LTD COMPANY (i.e My Company) TO THE GENERAL PUBLIC IN PRIMARY
MARKET FOR THE VERY FIRST TIME TO GET ENLISTED IN ANY OF THE STOCK EXCHANGE
(Bombay Stock Exchange)
Ebar ami j eto kichu korbo but amar to SHARE MARKET nie kono IDEA i nei j WHAT SHOULD BE
THE PERFECT TIME FOR LAUNCHING IPOs? ,,,,KON STOCK EXCHANG E ENLISTED KORABO
(i.e Bombay Stock Exchange)?,,,,KOTA SHARE ISSUE KORBO (i.e 10000 ta)?,,,,PER SHARE
VALUE KOTO HOBE (i.e. 20 taka)?,,,Hote pari ami SHARE MARKET nie murkho tai bole ki ami IPO
launch korte parbona?..keno parbna? Obossoi parbo,,,erkm condition e ami gie ekta VALO
INVESTMENT BANKING CONSULTANTS/FIRM er songe contact korbo,,ora amak eisob jinis gulo
calculate korte help kore debe & they will guide me through out the process..ai FIRM gulok
UNDERWRITING FIRM o bola hoi
IPO vlo hole jerokom amar CAPITAL barche serokom chulke gele onk jhamelo ache like
I) Onk lomba chowra process
II) Ami vabchi amar 10000 ta SHARE i bikri hobe but Jodi only 5000 ta hoi?,,loss kheye jabo
III) INVESTOR point of view thk IPO te RISK high as amar COMPANY FIRST time entry marche
STOCK MARKET e,,,,FUTURE kirokom bola muskil,,tai INVESTOR rao ektu CHAP e thak as STOCK
kirokom othanama korbe keu janena.
IV) Tachara IPO te jehetu RISK besi tai INVESTOR der ASSURED korar jnnyo amak amar
COMPNAY er PRESENT FINANCIAL CONDTN disclose korte hbe jate lokjon amar SHARE kinte
voi na pai,,,bt eta amar COMPETITORS der HELP korbe amar pichone lath marar jnnyo.
JAK AR NEGTAIVE NA VEBE EGIE JAWA JAK,,,,Amar COMPANY sesmes IPO er dara BOMBAY
STOCK EXCHANGE e ENLISTED holo,,ebar theke roj amar SHARE er TRADING hochhe mane
KENA-BECHA cholche..means my COMPANY is now aPUBLICLY TRADED COMPANY..
Every thing is going good BUTT SUDDENLYYY....
AMAR ekta instant 20 Crores takar dorkar porlo as ami ekta PRESTIGIOUS CONTRACT peyechi
ekjon SAUDI ARAB er CRORE-PATI er theke, but ORDER complete korte gele amak EXPANSION
korte hbe amar FACTORY er...To ami to IPO launch kore agei MARKET thk FUND-RAISE kore
niechi,,tahle ki ami amar ORDER complt korte parbona?, boro boro batela mere ORDER to nie
niechi.....!
Ebar ami ki korbo??
Now I wil go for FPO- Follow On Public Offering which is also called SECONDARY OFFERING
karon eta SECONDARY MARKET e hoi jekhane ALREADY ISSUED/TRADED SHARE/BOND
esob nie KENA-BECHA kora hoi.
Technically speaking FPO is nothing but SALE OF SHARES/STOCKS/BONDS OF A PUBLIC LTD
COMPANY/PUBLICLY TRADED COMPANY (Which is ALREADY ENLISTED in any of the
NATIONAL STOCK EXCHANGE ) IN SECONDARY MARKET FOR FURTHER BUSINS EXPANSION
or TO MEET URGENT FUND REQUIRMNT (AFTER LAUNCHING IPO)
Eta generly duto typer hoi I) DILUTIVE, II) NON-DILUTIVE
I) DILUTIVE Ei khetre AMI and amar BOARD OF DIRECTORS thik korlam j amader COMANY er i
SHARE bikri korbo MARKET e ar seta thekei ja FUND-RAISE korar ba taka tolara tulbo. OTHOBA...
II) NON-DILUTIVE - AMI and amar DIRECTOR ra thik korlam j amader means AMAR & AMAR
DIRECTOR der NIJEDER NAME E JESHOB SHARE ache segulor KICHUTA bikri korbo MARKET e
ar seta theke ja TAKA TOLAR tulbo.
IPO r FPO er JODI COMPARASION KORTE JAI THEN:
1. IPO- Initial Public Offering,,,,,,FPO- Follow On Public Offering
2. Kono Company IPO launch korar pore ei ONLY,,,FPO launch korte parbe,,tar age noi...
3. IPO is for COMPILING MONEY mane MARKET theke TAKA TOLAR jnnyo,,,,,,,,,FPO is for
ADDING TO INITIAL PUBLIC OFFERNG mane EXPANSION, URGENT FUND REQRMNT metanor
jnnyo
4. IPO holo FIRST-SALE,,,,,,,,FPO holo SECOND-SALE mainly for BUISNS EXPNSN.
5. IPO te RISK besi Jodi INVESTOR point of view theke dekhte chai as COMPNY FRST TIME
SHARE charlo MARKET e,,,kirokom khel dekhabe STOCK EXCHNG e kichu bola jaina,,,,,,,,,BUT
FPO is less RISKY as COMPNY ta ALREADY SHARE MARKET e ENLISTED tai INVESTOR der
ekta IDEA thak j er SHARE gulo kirokm FLUCTUATE korte pare
6. IPO is more PROFITABLE than FPO as kono COMPNY Jodi FPO launch kore then bujhte hbe
tader FUND-SHORTAGE ache ba kono LIABLITIES er PAYMENT korte hobe ba FINANCIAL CRISIS
er mddhe die jachhe tai FPO thk PROFIT ta kom ,,,,,,,,r IPO er khetre COMPNY er condtn onk
STABLE thak ar IPO te RISK o besi,,ar jekhane RISK besi sekhane PROFIT o besi hoi....
7. IPO & FPO dutotei COMPNY k PUBLIC der oi CAPITAL er taka ta mane jeta MARKET thk UTHE
elo ota FEROT DITE HOINA but oi DIVIDEND dite hbe jodi COMPNY PROFIT kore tobe...
83. SOME HR PART - EFFECTIVE
Why should we hire you? / How are you different from rest of the candidates sitting outside? / What
are your strengths? / Why Banking?...Frnds these type of qstns if asked might prove to be the turning
point of an interview process...based on your answer you can drive the intrviewer in your comfort
zone and create a solid impression so prepare them well..
Niche kichu Points dewa roilo...je jar moto kore ekta compact answer toiri kre rakhte paro..
Professional Skills: i gel well and work efiiciently in a group...i always chalk out an achievable plan bfr
starting any endeavour and put in all my strength to execute that plan properly with special emphasis
on doing so within d stipulated time..i have leadership ability...i am entrepreunerial...i believe in
networking.Sathe bolbi i am a staunch believer of the saying" your net worth is your network"...i am a
good listener..
i always pay heed to any kind of advice and always strain on accepting those that's worth including in
my agenda..
ar last point taa khub important je..i feel responsible and extremely accountable for the post or
hierarchy i am holding in a comany(mainly jader work xperience ache tara eta obossoi bolis)..
ar ekta jinis keu post er nam konodin mention korbi na(lyk 20 bochor por ami hard work kre General
Manager hote chai or sumthng lyk that..)karon kon interviewer ki bhabe nebe tui bujhbina...tui ekta
post bolli hoyto ekjon bhablo tui over ambitious r ekjon vablo tui under confident tai ota khub dicy
hoye jaabe...bolbi ten years down the line i aspire to see myself in some hierarchy in the banking
industry..i want to have led some very successful ventures..i want to see myself having contributed
significantly to the company...to have carried out my all my responsibilities dilligently and definitely
want to have imparted service to this organisation beyond the boundaries of work..egulo proffessional
terms and mentioning them will make u sound important and credible..
ato kichhu bollam karon ja i question koruk edik odik kore kichhu akta uttor ditei parbii..

84. DBTL (DIRECT BENEFIT TRANSFER FOR LPG CONSUMER):

Suppose tumi PANTALNS e gcho JEANS kinte ar sekhane SALE cholche FLAT 40%...Ebar Tumi
tmar pchhndo moton ekta JEANS dekhle jar ORIGINAL PRICE/MARKET PRICE holo Rs. 1000/- ar
etak 40% DISCOUNT die holo (1000-(1000*40%)=600 taka...Ai Rs. 600/- holo DISCOUNTED
PRICE. Tarmane eta bojha gelo j ORIGINAL & DISCOUNTED PRICE ta ki jinis. But PANTLNS
decide korlo j tomak JEANS ta SHOW ROOM thk Rs. 1000/- diei kinte hobe but oi j DISCOUNTED
VALUE i.e RS. 400/- ta 2-3 din por e tomar BANK ACCOUNT e TRANSFER hoe jabe. Tai tumi
tomar SAVINGS BANK ACCOUNT Number ta PANLTNS SHOW ROOM e die ele ar 2 din por dekhle
tomar MOBILE e ekta MESSAGE elo YOUR SAVINGS ACCOUNT HAS BEEN CREDITED WITH
RS.400/- AS DISCOUNTED PRICE OF PANTALONS. But tarmane to ei noi j tumi gie 50 ta JEANS
kinbe ar ora tomak 1000 takar bodle 600 takai BRANDED JEANS DEBE!!!!! Tai PANTLNS tokhon
ekta LIMIT fixed kore dilo j MAXIMUM 20 TA JEANS kinle tomar jnnyo ei OFFER ta
APPLICABLE...Jokhoni tumi tmar 21 NUMBER JEANS ta kinte jabe tokhon tomak kintu 1000 taka
diei JEANS kinte hobe but UPTO 20 Nos. JEANS, tumi 600 takai kinte paro.
SAME CONCEPT is APPLICABLE for DIRECT BENEFIT TRANSFER FOR LPG CONSUMER
(DBTL)..Ei khetre LPG GAS means LIQUIFIED PETROLIUM GAS CYLNDR holo PANTLNS er
JEANS,,,,,,Dhoro Etar ORIGINAL PRICE/MARKET PRICE holo Rs. 800/- taka jeta tumi GAS
DEALER/DISTRIBUTOR (Jar theke gas kena hoi) er theke kinle ei takai kinte hobe but ekhane
PANTLNS er SALE er bodole MINISTRY OF PETROLEUM & NATURAL GAS, UNION GOVT OF
INDIA er SUBSIDY applicable hobe, SUBSIDY mane VORTUKI/DISCOUNT....So ebar dhora jak j
LPG CYLNDR er DISCOUNTED or SUBSIDISED PRICE holo 300/ taka. Ebar PANTLNS er moton
GOVT OF INDIA bollo j tumi GAS DEALER er thk LPG CYLNDR ta 800 takatei keno but oi j
DISCOUNTED VALUE that is (800-300)=500/- taka ta seta tomar BANK ACCOUNT e DIRECT
CREDIT hoe jabe.Like wise 2-3 din por tomar mobile e same mesg asbe. But oi j PANTLNS ekta 20
ta JEANS er LIMIT rekhechlo serokom GOVT OF INDIA o ekta LIMIT rekehche j 1 YEAR e UPTO
12 LPG CYLNDR obdhi tumi ai FACILITY ta pabe kintu BEYOND 12 CYLNDRs mane ek year e 12
ta cylndr tomar kena hoe gche but tumi erokom vukkhar typer j aro 2 to cylndr same calendr year e
kinte hobe then tomak oi MARKET PRICE that is 800 taka,,oi taka tei DEALER er thk GAS kinte hbe,
kono SUBSIDY er golpo thakbe na 13th No. GAS CYLNDR theke.
So, ETA BOJHA GELO j FUNDA ta ki,,,,ekhon ai DBTL SCHEME er FEATURES gulo dekha jak-
1. It is worlds largest cash subsidy under the Direct Benefit Transfer Scheme with effect from January
1, 2015
2. Ei SCHEME ta CONGRESS GOVT er time ei hoechlo (on June 1, 2013) but BJP etak MODIFIED
korlo ar name holo PRATYAKSH HANSTANTARIT LABH or PAHAL-DBTL (Direct Benefit Transfer
of LPG),,HINDI theke etak BANGLA korle hoi j tumi ekta LADDU onnyer hath thk na kheye nijer hath
diei khabe.
3. Eibar ai j SUBSIDISED VALUE ta tomar BANK ACCOUNT e DIRECT CREDIT j hobe seta kivae
hobe???? GOVT boleche er 3 te METHOD ache,,jekno ekta follow korlei hobe,,egulo holo
A. PRIMARY OPTION (WITH AADHAR CARD): TUMI NIJER AADHAR CARD BANAO AR SETA
TOMAR SAVINGS BANK ACCOUNT ER SATHE LINKED KORE DAO,,,EI KAJ TA BANK
OFFICIALS RA KORBE,,TUMI JUST BANK E GIE FORM FILL UP KORE TOMAR AADHAR CARD
SUBMIT KORBE,,BAES TAKA AUTOMTC DHUK JABE
B. SECONDARY OPTION-I (WITHOUT AADHAR CARD): TUMI TOMAR SAVINGS BANK
ACCOUNT DETAILS, NAME, BANKs IFSC CODE EGULO LPG DEALER ER KACHE SUBMIT
KORO JAR THEKE TUMI LPG GAS CYLNDR NAO,,,BAESSS BAKI TA DEALER DEKHE NEBE &
TOMAR SAVINGS ACCOUNT E SUBISDY ER TAKA DHUK JABE.
C. SECONDARY OPTION-II (WITHOUT AADHAR CARD): TUMI BANK E ESE TOMAR J 17 DIGIT
LPG CONSUMER ID ACHE OTA & TOMAR SAVINGS ACCOUNT DETAILS JOMA DAO,,BAKITA
BANK ER OFFICIAL RA DEKHE NEBE THROUGH CORE BANKING SOLUTION,,TOMAK AR
CHINTA KORTE HBE NA,,,TAKA AUTOMTC DHUK JABE.
Ei DBTL Scheme e ELIGBLE hote gele:
1. Toma ekjon CTC-CONSUMER hote hobe. CTC mane CASH TRANSFR COMPLIANT
CONSUMER,,,aita hote gele tomak upore j 3 te STEP bolechi tar mddhe jekno ekta follow korte hobe.
Thats it. All done. AND tumi CTC CONSMR hoe jawa mane DBTL er moddhe chole ele,,tokhon
tomak ekta ONE TIME ADVNC dewa hobe jeta tomar kache totodin thakbe jotodin tumi LPG er
CONSUMER thakbe
2. Ar jara egulo kichui kore uthte pareni tader k bola hobe NON-CTC CONSUMER,,,Eder jonnyo ekta
GRACE PERIOD & PARKING PERIOD ache. Confusing???? Let me clarify it-
A. GRACE PERIOD:- NON-CTC CONSUMER der 3 MONTHS er ekta grace period dewa hobe from
the date of LAUNCHING this DBTL,,ei 3 month e era chaile nijeder CTC CUSTOMER hisabe
REGISTRD korar time pabe (ki kore??? Uporer j kno 3 step follow kore),,Ei time e era SUBSIDSD
PRICE ei LPG CYLNDR kinbe but CTC hisabe registrd korar por SUBSIDY ta BANK ACCOUNT e
dhuke jabe.
B. PARKING PERIOD:- Ai GRACE PERIOD er 3 month eo Jodi kichu korte na paro then tomak aro 3
month time dewa hobe as a parking period. Ai parking period e kintu tomak MARKET PRICE ei LPG
CYLNDR kinte hbe,,,not SUBSDZD PRICE,,,,,Ai parking period er mddhe tumi CTC CUSTMR hoe gle
then SUBSDY ta tmar BANK ACCOUNT e dhuk jabe (Ar jotodin na CTC CONSUMR hochho totodin
tomar SUBSIDY AMOUNT ta OIL MARKETING COMPNY gulor kache STORED/PARKED/JOMA
thakbe) butttttt Er moddheo jodi tumi kichu korte na paro then tomar PARKED SUBSIDISED FUNDS
ta LAPSE kore jabe mane nosto hoe jabe mane ar pelena oi taka. Ei PARKING PERIOD er pore
Jodi tumi CTC CONSUMR hoe jao then tomak ekta ONE TIME PERMANENT ADVANCE and TOTAL
CASH SUBSIDIZED CYLINDERS OF THAT FINANCIAL YEAR dewa hobe.
##### GRACE PERIOD CROSS KORE GELEI TOMAK MARKET PRICE E GAS CYLNDR KINTE
HBE JOTODIN OBDHI NA TUMI CTC-CONSUMER HOE UTHBE....

BENEFITS OF THE SCHEME:-

1. CTC LPG CONSUMER der khetre FIRST BOOKING er CYLNDR ta DELIVARY pawar porei NEXT
SUBSIDY amount ta ADVANCE tader BANK ACCOUNT e dhuke jabe
2. BLACK e besi dam e GAS bikri kora bondho hobe ar majhkhan theke jara SUBSIDY amount ta
churichamari korto setao bondho hobe
3. GAS DISTRIBUTOR der sthe CUSTMR der direct LINK toiri hobe,,kono middleman lagbe na jeta
CUSTMR RELATNSHP valo korte help korbe.
4. Govt er uporeo subside r chap kombe,,ar onk mohapurush achen jader name e ektar besi GAS
CONNECTION ache,,segulooo bondho hobe.
DBTL IS ONLY APPLICABLE FOR BHARAT PETROLEUM- BPCL,,,,HINDUSTN PETROLEUM-
HPCL,,,,,INDIAN OIL- IOCL,,,THESE 3 AUTHORISED PUBLIC SECTOR UNDERTKNGS...
THESE ARE CALLED "OIL MARKETING COMPANIES (OMO)"
85. MUTUAL FUND:
Tumi jokhon first DOMINOZZ e PIZZA khete dhoko tokhon oder thk ekta CATALOGUE nao art tate
lekha thak how many types of pizza are there, tader taste er variation, kontai cheese besi kontai kom,
tader price koto, konta ektu spicy, kontai onion besi kontai kom etc etc. Eisob er upor depend kore ora
onk typer pizza bar kreche like BARBIQUE CHICKEN, SPICY CHICKEN, CHICKEN FIESTA
etc.,,,Egulo holo DOMINOZZ er VARIOUS PRODCUTS. Eisob details tumi peye jabe oi
CATALOGUE theke. Then tumi sob kota typer pizza er list dekhe nie gf/bf k bolle j nao sonamoni
konta khabe bolo?,,15 min torkatorki cholar por tomra tomader pocket bujhe ar nijer taste onuzai ekta
pizza order korle, payment korle, khele, last e hat e hat dhore berie gele.
SAME CASE hochhe MUTUAL FUND er khetre. MUTUAL mane DUJONER mddhe ekta
UNDERSTANDING...Ei DUJON er mddhe EKJON hlo INVESTOR and r ekjon holo FUND
MANAGER. Eita mainly ekta professnly managed financial firm jekhane various field er FINANCIAL
EXPERTS der recruit kora hoi ar tader designation hoi FUND MANAGER. Ekhane dhoro
DOMINOZZ er bodole asche SBI MUTUAL FUND. Ar BARBIQUE CHICKEN er boodle asche SBI
PREMIUM (Random example kintu, mathai thak jate)...Tarmane DOMINOZZ er moton SBI MUTUAL
FUND ero VARIOUS PRODCUTS ache like SBI PREMIUM,,,,jerokom PIZZA er sob details dewa
thakto CATALOGUE e thik sirokom SBI PREMIUM er sob details jekhane dewa thakbe tar name
holo PORTFOLIO,,,Eitak FUND MANAGER/PORTFOLIO MANAGER maintain kore. Tumi SBI
MUTUAL FUND e gie sob PRODUCT er PORTFOLIO dekhle just like DOMINOZZ,,,Sob kichu dekhar
por tumi SBI PREMIUM ta kei pochhndo korle according to your AUWKAD,,but eta to tmi ar pizza er
moton gilte parbena,,,tai ekhane KHAWA-DAWA er bodole je jinis ta elo seta holo INVESTMENT.
Tumi ses obdhi SBI PREMIUM scheme e investment korle. But PIZZA te jerokm taste, price, spicy,
cheese esob lekha thakto CATALOGUE e,,ekhane PORTFOLIO te to r osob lekha thakbe
na,,ekhane lekha thakbe financial bpar mane oi scheme er features gulo like KON KON COMPNY
TE TOMAR TAKA TA INVEST KORA HBE,,,MINIMUM KOTO TAKA INVEST KORTE HBE,,,KON
KON SECTOR E KOTO % INVEST KORA HBE,,,SHARE, BOND, DEBENTURES KISE INVSTMNT
KORA HOBE ,,KOTO INVEST KORLE KOTO RETURN ASBE,,,"INVESTMNT DURATION",,
erokom onk kichu,,oto na janleo hobe atleast for intrvw purpose.
##### TUMI TOMAR SCHEME POCHHONDO KORE INVESTMNT KORBE BUT KON SECTOR E
TUMI TAKA DHALBE/INVEST KORBE BA SHARE/PREFRNC SHARE/BOND/DEBENTURES KISE
INVEST KORBE ETA TUMI DECIDE KORTE PARBENA,,ETA KORBE OI FUND MANAGER...
Ebar ektu technicality te asa jak--
1. Jekono Mutual Fund e onk FUND MANAGER thak ar prottyeker responsibility te thak erokom ek
ekta SCHEME like SUBHANKAR DHAR ekta FUND MANAGER ar or under e ache SBI 100
(random scheme) scheme er sob responsibility,,,,,,TAMOGHNA SARKAR o ekta FUND MANAGER ar
or under e ache SBI 200 scheme er sob responsiblty,,,,Likewise SUBHASISH BANERJEE er under
e ache SBI PREMIUIM scheme er sob respnsblty.
2. Ebar dhora jak j SUBHASISH er ai SBI PREMIUM scheme e total 25 jon INVESTOR ache ar total
INVESTMNT hoeche 25 LAKH taka,,,tar mane ai noi j 25 jon prottyek 1 lakh kore dieche!!!!! Keu
50000 dieche, keu 1 lakh,,,keu 5 lakh,,,keu 3 lakh erokom,,,je jerokom invest koreche se serkm
RATIO te tader PROFIT share hobe. INVESTOR ra taka joma dilo,,ebar SUBHASISH er kaj suru.
3. SUBHASISH is an IIM-KOLKATA graduate and no doubt is a FINANCIAL EXPERT,,,or kache
STOCK MARKET er sob update ache like KON COMPANY er SHARE koto UP & DOWN e
ache,,,KON SECTOR PROFIT e ache , kon SECTOR LOSS e ache,,,"PERFECT TIMING OF
INVESTMNT",,,,So SUBAHSISH er kache aita decide kora khubii easy j oi SBI PREMIUM er 25
LAKH taka ta KON KON SECTOR e,,KON KON COMPANY te,,kise kise like
SHARE/BOND/DEBENTURES e INVESTMNT korbe.
4. Ebar SUBHASISH oi 25 LAKH taka ta MANUFACTURNG, SERVICE, INFRUSTRCTR sector er
DIFFERENT COMPANIES e INVESTMNT korlo ..kivabe??? oi SECTOR gulor total 1 LAKH ta
SHARE/BOND kine,,,Ebar aisob INVESTMNT krteo ekta KHORCHA ache jeta obviously LIABILITY er
moddhe porbe,,say ai 25 LAKH taka INVEST korte SUBHASISH er khorcha holo total 1 LAKH taka...
5. Ebar ai 25 LAKH taka INVESTMNT kore SUBHASISH RETURN pelo total 30 LAKH taka...
SO, TOTAL ASSET VALUE = 30 LAKHS
LIABILITY = 1 LAKH
TOTAL NO OF SHARES ISSUED = 1 LAKH
Therefore NET ASSET VALUE = (30-1) = 29 LAKHS
So, NET ASSET VALUE PER SHARE = (29 LAKHS/1 LAKH) = 29 taka that is called NAV
Ai NAV die jekono MUTUAL FUND k denote kora hoi,,eta day to day basis e vary kore,,tai MUTUAL
FUND CMPNY roj SCHEME wise ai NAV value ta PUBLISH kore,,,karon aj o 25 LAKH INVEST
KORE 30 LAKH RETURN PEYECHE,,But kal JODI SERVICE SECTOR er SHARE by chance FALL
kore jai tokhon 30 LAKH ta 28 LAKH o hote pare,,tokhon NAV er value tao sei moto kome jabe,,abr er
ulto tao hote pare mane NAV er value barteo pare Jodi SHARE er dam FALL na kore UTHE jai.
5. JODI ULTMTLY SUBHASISH 25 LAKHS INVEST kore 40 LAKHS TAKA RETURN PAI THEN
FUND MANAGER nijer commission ar others EXPENSES bad die oi RETURN ta INVESTOR der
moddhe DISTRIBUTE kore debe according to the RATIO (Je jerokom taka invest korechlo sei
onuzai),,,Abr ulto tao hote pare like 25 LAKHS INVEST KORE RETURN PELO 20 LAKHS,,,Tokhon
LOSS khabe SUBHASISH,,,but oi 20 LAKH taka thek LIABLTY like FUND MANAGERs
COMMISSION,,INVESTMNT korar EXPENSES bad die ja pore thakbe seta oi 25 joner mddhe
DISTRIBUTE kora hbe (LOSS hole dekha jabe j ami 50000 invest korlam ar return pelam 35000 taka
eirkokm ark i,,,PROFIT hole dekhlam ami 50000 INVEST kore RETURN pelam 70000 taka).
MUST REMEMBER POINTS REGARDING MUTUAL FUND:
1. Eitai koekta subidha ache like AMI ekdom murkho SHARE MARKET nie kno idea nei/AMAR
saradin eto KAJ j SHARE MARKET kokhon up-down korche tar khobor rakhar time nei othocho poisa
valoi ache,,invest korte chai,,,se khetre MUTUAL FUND is the BEST OPTION,,,SCHEME pochhondo
kore FUND e INVEST kro,,bakita FUND MANAGER dekehe nbe,,se PROFIT-LOSS jai hok na
kno,,,LOSS hole atleast ekta shanty thakbe j nije gadhamo na mere ekjon FINANCIAL EXPERT er
through die LOSS khelam...r PROFIT holeo raat ei PARKSTREET..
2. Ami Jodi nije thek STOCK BROKER er through die INVEST kortam then jekno ekta SINGLE
COMPANY or SECTOR ei INVEST kortam,,Jodi oi COMPNY/SECTOR by chance LOSS kheye jeto
then gelo amar sob taka!!!! BUTTT MUTUAL FUND er through die ai LOSS er RISK ta
DIVIDE/SHARE hoe jachhe (Techncly DIVERSIFICATION OF A FUND) as FUND MANAGER nijer
EXPERTISE use kore VARIUOS COMPNY/SECTOR e amar TAKA ta INVEST korbe,,,,ei khetre ekta
duto COMPNY/SECTOR LOSS kheye jete pare but sob COMPNY to khabe na,,So, I CAN EXPECT
SOME RETURN instead of NOTHING..
3. Tomar kache hoito ekta MANUFCTRNG SECTOR e INVEST korar khub ichha as PROFIT e jachhe
SECTOR ta,,,hat e ache only 50000 taka,,,but minimum okhane INVEST korte hbe 10 LAKHS,,,tahleo
tumi to eka seta parbe na,,tokhon MUTUAL FUND kaj e asbe as MUTUAL FUND POOLS MONEY
FROM DIFFERENT INVESTOR,,,Tai tomar sthe aro 500 joner taka COLLECT kora hlo MUTUAL
FUND er through die,,,Total collection hlo 15 LAKHS,,,ebar ai puro 15 LAKH ta FUND MANAGER gie
MANUFCTRNG SECTR e invest korlo (Obviously according to SCHEME PORTFOLIO),,,,r PROFIT ja
hbe tumi tomar 50000 er RATIO onuzai ferot pabe....So tomak 10 LAKH dite holo na but tumi INVEST
korte parle ar PROFIT er SHARE tao pele..
5. MUTUAL FUND onk typer hoi according to INVESTMNT options, INVESTMNT period, RETURN
kokhon kirokm pabe etc etc.
4. DEMAT A/c nie pore discsn hobe but eta sobai jane ekhon SHARE er kena becha korle DEMAT
A/C MANDATRY,,,,,,MUTUAL FUND er khetre TOMAR NAME e kintu DEMAT ACCOUNT
LAGBENA,,,,only tomar SCHEME er FUND MANAGER (ekhane SUBHASISH) er NAME ei LAGBE
because TUMI DIRECT SHARE gulo KENA BECHA/TRADING korchona,,,eta korche FUND
MANAGER on behalf of YOU. Tumi jodi persnly SHARE TRADING korte then tomar name e DEMAT
A/C lagto
5. ALL MUTUAL FUNDS must be REGISTRD by SEBI (Securities & Exchange Board of India) and
abide by SEBIs the rules & regulations.

86. DEMAT ACCOUNT:

Eita bojhar age duto jinis mathai dhokate hobe- ekta holo DEPOSITORY and ar ekta holo
DEPOSITORY PARTICIPANTS (DP). Bookish defintn e ar gelam na.
Let us assume the HEAD OFFICE OF UCO BANK- Ekhane amader DATA CENTRE ache jekhane
BANK er total INFORMATION ache. But ei INFORMATION gulo asche kader jnnyo?? Obossoi
CUSTOMER der jnnyo,,karon ora na thakle amra to ar employee der informtn store korte jabona!!!,
But CUSTOMER anche ke???HEAD OFFICE er to oto time nei j gie customer jogar korbe, buisns
barabe etc etc!!! Tai HEAD OFFICE ei sob kaj er jonnyo APPOINT koreche BRANCH OFFICE gulok
jara direct CUSTOMER der sthe deal korche ar jabotio ja CUSTOMER REQRMNT segulo fulfil korche
& HEAD OFFICE upormohol thk bose INSTRUCTION, ADVICE esob dichhe.
Eita bujhe gele DEPOSITORY & DEPOSITORY PARTICIPANT tao bujhte ar problem hbena..
DEPOSITORY = It is like HEAD OFFICE OF UCO BANK
DEPOSITORY PARTICIPANT = It is like BRANCH OFFICES OF UCO BANK
Ebar technicalty te asa jak....
Amader desh e only 2 to DEPOSITORY ache i.e.
1. NATIONAL SECURITIES DEPOSITORY LTD (NSDL)
2. CENTRAL DEPOSITORY SERVICES LTD (CDSL)
Ar DEPOSITORY PARTICIPANTS onk ache jegulo either NSDL or CDSL registered
Examples of DEPOSITORY PARTICIPANTS (DPs)
1. DIFFERENT PUBLIC, PRIVATE SECTOR BANKS/FINANCIAL INSTITUTIONs
2. INDIA BULLS SECURITIES LTD
3. BNP PARIBAS
4. PEERLESS SECURITIES LTD
5. MUTHOOT SECURITIES LTD & many more.... (Egulor full list ache NSDL & CDSL website e)
DEPOSITORY der under e DEPOSITORY PARTICIPANTs (DP) gulo thak eta to bojhai gelo
Ebar asa jak amader main topic DEMAT ACCOUNT e-----
Mr. XYZ chaiche share market e INVEST korte. So INVEST korbe bollei to ar kora jabe na, er jonnyo
kotogulo procedure ache. First j kaj seta holo DEMAT A/C opening. But eta ki jinis??
Agekar din e jokhon SHARE/BOND egulo SHARE MARKET e KENA-BECHA/TRADING hoto tokhon
tomar kache j ABC COMPANY er 50 ta SHARE ache OR, TUMI ABC COMPNY er 50 ta SHARE
KINECHO (Ek i jinis duto) setar to ekta PROVE lagbe..Sei PROVE ta holo BOND PAPER ba STAMP
PAPER....Jerokom BARIR DOLIL/STAMP PAPER/COURT PAPER to sbai dekheche asa
kori,,orokomii jinis eita,,Ei khetre tumi joto taka er SHARE hold korbe tomak sei AMOUNT er 0.5%
taka er Stamp Duty die STAMP PAPER e oi SHARE or STOCK STATEMENT mention korte
hbe,,Say tumi INFOSYS er 1000 ta SHARE kinecho ba HOLD korcho,,,INFOSYS er per share price
holo say 50 taka,,tar mane tomar kache (1000*50)= Rs. 50000/- takar share ache,,so tomak ekta
(50000*0.5%)= 250 taka er STAMP PAPER banate hobe ar tate lekha thakbe j I, Mr XYZ IS
HOLDING 1000 SHARES OF INFOSYS LTD VALUED Rs. 50000/-...Tachara aro jhamela chilo like
SHARE PAPER/CERTIFICATE (That is called PHYSICAL SHARE) gulo harie jete pare, keu churi
korte pare, fake paper banie chulkani marte pare, barite idur thakle daant die kete dite pare..Tai
GOVT OF INDIA bollo ekhon thk ar keu PHYSICAL SHARE hold korbena tar bodole ai
SHARE/BOND esob er hisab ELECTRONICLY rakha hbe rather than PHYSICALY ar SHARE er
KENA-BECHA (TRADING) o hobe ELECTRNCLY ba ONLINE.
Erokom ekta situation e introduced holo DEMAT ACCOUNT i.e DEMATERIALIZED
ACCOUNT,,,,,Bangla vasai bolte gele ekta PHYSICAL jinis (i.e MATERIAL/SHARE CERTIFICATE ) k
ELECTRONIC (i.e DE-MATERLSD) kora holo.
DEMAT ACCOUNT is like a SAVINGS BANK ACCOUNT..Kivabe???
SAVINGS ACCOUNT = Transaction of MONEY
DEMAT ACCOUNT = Transaction of SHARE.
So, Mr. XYZ ebar ki korben???
1. Tini jaben ekta DEPOSITORY PARTICIPANT (DP) er kache,,That may be any DP registered by
NSDL or CDSL like UBI, PNB, UCO, ICICI, AXIS, INDIA BULLS, MUTHOOT anything jegulo listed
ache.
2. Dhoro Mr. XYZ elen UCO BANK er ekta BRANCH e,,,,ekta DEMAT ACCOUNT khulte. Ekhon UCO
BANK ekta DEMAT ACCOUNT khule debe Mr. XYZ er name e, after getting APPLICATION FORM,
KYC, PHOTOGRAPH & OTHER NECESSARY DOCUMENTS. Ei DEMAT ACCOUNT er sthe UCO
BANK ekta TRADING ACCOUNT o khule debe Mr. XYZ er name e...Ar Mr. XYZ er SAVINGS
ACCOUNT already ache UCO BANK e....Account khola hoe gelo,,,Ebar SHARE-TRADING hobe ai
3 te ACCOUNT er through die-
A. SAVINGS ACCOUNT (With Internet Banking facility)
B. TRADING ACCOUNT
C. DEMAT ACCOUNT
No .of Participants in SHARE-TRADING-
A. INVESTOR (Mr. XYZ)
B. STOCK/SHARE BROKER (Member of any STOCK EXCHANGE who buys/sells SHARES in
STOCK EXCHANGE on behalf of his CLIENTS,,,,UCO BANK nijei ekhane BROKER hisabe kaj
korbe,,Ar BROKERAGE CHARGE tao nebe UCO BANK,,,,,,,,,,,othoba Mr. XYZ Jodi UCO BANK e na
asto then se ekta BROKER er through die DEMAT ACCOUNT khulte parto,,But BROKER ki kore
khulbe???yess BROKER er sthe ekta kono DEPOSTRY PARTICIPANTS er linked up thkbe like
INDIA BULLS, MUTHOOT etc,,,BROKER egulor through die DEMAT ACCOUNT khulie debe,,,,then
BROKERAGE CHARGE ta nebe oi BROKER tai,,,,,,JODI Mr. XYZ chai j oi BROKER er linked up
DEPOSTRY PARTICIPNTS er sthe busins korbena then Mr.XYZ nijer pochhondo moton ekta DP
choice kortei pare,,,but eto complications e jawar dorkar nei ei muhurte)
C. DEPOSITORY PARTICIPANT (UCO Bank)
TRADING PROCESS THROUGH DEMAT ACCOUNT:
Mr. XYZ,, UCO BANK e DEMAT & TRADING ACCOUNT kholar por,, UCO BANK tak ekta
BENEFICIAL OWNER IDENTIFICATION NUMBER (like an ID) debe jeta onar future transaction
gulo korar time e lagbe.
TRADING ACCOUNT asole SAVINGS ACCOUNT & DEMAT ACCOUNT er mddhe ekta BRIDGE
er moton kaj kore..kivabe dekha jak.
1. Mr.XYZ first nijer ID & PASSWORD die TRADING ACCOUNT e login korlo,,okhane sob
COMAPNY er SHARE/BOND er INFORMATION ache,,Konta UP & Konta DOWN,,,,Kon SHARE er
VALUE/PRICE koto ,,,Market er CONDITION,,,,EVERYTHING....
2. Ebar Mr.XYZ oi TRADING ACCOUNT er through TCS er 50 ta SHARE (Per SHARE price say 10
taka),,,ONGC er 20 ta SHARE (Per SHARE price say 20 taka) kinlo..TOTAL PRICE LAGLO =
(50*10)+(20*20)=900 taka....
3. Ei 900 taka ta DEBIT/DEDUCT (-) hobe Mr.XYZ er SAVINGS ACCOUNT theke jeta TRADING &
DEMAT ACCOUNT er sthe LINKED kora ache
4. Ar TCS er 50 ta SHARE & ONGC er 20 ta SHARE STORE/JOMA hobe Mr.XYZ er DEMAT
ACCOUNT e..
Ebar Mr. XYZ er DEMAT ACCOUNT khulle dekha jabe j or name e TCS er 50 ta & ONGC er 20 ta
SHARE ache & tader VALUE/PRICE tao dekhabe (Ai jinistai age SHARE/BOND/STAMP PAPER e
LEKHA THAKTO jetak amra PHYSICAL SHARE bolchilam).
So bojha gelo j ki kore PHYSICAL SHARE gulo ELECTRNCLY converted holo through DEMAT
ACCOUNT.
Ekhon Jodi Mr. XYZ ,,,2-3 din por othoba oi din ei dekhen j TCS er per SHARE er PRICE ta 10
taka theke bere 15 taka hoe gche then Mr. XYZ onar TCS er 50ta SHARE bikri kore deben.
Kivabe?? Through TRADING ACCOUNT...Ekhon
1. TRADING ACCOUNT e gie Mr. XYZ oi TCS er 50 ta SHARE bikri korlen @Rs. 15 /SHARE jeta uni
kinechilen @ Rs. 10/SHARE e.
2.TCS er SHARE gulo bikri korar por uni total (50*15)=750 paben (PROFIT holo 750-500=250 taka)
3. Ai 750 taka ta gie DIRECT onar SAVINGS ACCOUNT e CREDIT (+) hobe
4. Ar DEMAT ACCOUNT e ekhon only ONGC er 20 SHARE dekhabe,,Etao Jodi uni beche diten then
DEMAT ACCOUNT e kichui dekhato na.
Eivabei SHARE TRADING ba KENA-BECHA hote thakbe. Summarised korle-
1. TRADING ACCOUNT die ami SHARE gulo KENA-BECHA/TRADING korchi
2. DEMAT ACCOUNT e amar SHARE gulo STORED hocche
3. SAVINGS ACCOUNT die amar TRANSCTN gulo hchhe either CREDIT(+) or DEBIT (-).
SOME OTHER POINTS TO REMEMBER:
1. DEMAT ACCOUNT er sob theke boro FACILITY hochhe j INVESTOR k kono STAMP DUTY dite
hobena jeta age dite hoto & jar value tao valoiii.
2. No Minimum Balance for OPENING & MAINTAING a DEMAT ACCOUNT
3. Eisob korar jnyyo DEPOSITRY PARTICIPANT (In our example its UCO BANK) K e account
opening, annual account maintenance fees and transaction charges dite hoi jeta DP to DP depend
kore
4. Nominations facility ache
5. BANK er PASSBOOK r moton DP tomak ekta PERIODIC STATEMENT dbe jate mention kora
thakbe tomar kache KON COMPNY er KTO SHARE ache & eder VALUE kto

87. MSME (MICRO, SMALL & MEDIUM ENTERPRISES)-

We will discuss what is MSME, LOAN FACILITY under MSME, TARGETS of PRIROTY SECTOR
LENDING under MSME, Special GOVT GUIDLINES in MSME LENDING & Why Govt of India is too
much concerned in MSME Sector. Ek ekta kore asa jak.
1. WHAT IS MSME:
Government of India 16th June 2006 te introduce korlo MSMED ACT2006 which was notified on 2nd
October, 2006. Ei ACT ta asar por INDUSTRY kothata replaced hoe holo ENTERPRISE. Ai 3 te
Sector i.e MICRO, SMALL, MEDIUM er kichu ELIGIBILTY CRITERIA ache according to its
INVESTMENT AMOUNT.
A. MANUFACTURING ENTERPRISES:-
Je sob ENTERPRISES gulo PRODUCTION, MANUFACTURING, PROCESSING & PRESERVATION
of GOODS Eisob kaj korme engaged tader PLANT & MACHINERY te TOTAL INVESTMENT er
upor MICRO, SMALL & MEDIUM ai 3 te CLASSIFICATION depend korche.
( Example- Dhoro MARATHON CYLCES holo ekta Cycle Manufacturing Company jekhane puro
Cycle tar Production hochhe mane RAW MATERIAL theke FINAL OUTPUT/ PRODUCT/ CYCLE
berochhe. THIS IS A TYPE OF MANUFACTURING ENTERPRISE)
(I) MICRO INVESTMENT in PLANT and MACHINERY DOES NOT EXCEED RS. 25 LAKH
MEANS UPTO 25 LAKHS.
(II) SMALL INVESTMENT in PLANT and MACHINERY is MORE THAN RS. 25 LAKH BUT DOES
NOT EXCEED RS. 5 CRORE.
(III) MEDIUM INVESTMENT in PLANT and MACHINERY is MORE THAN RS.5 CRORE BUT
DOES NOT EXCEED RS.10 CRORE
B. SERVICE ENTERPRISES:-
Other than MANUFACTURING UNITS jara SERVICE dicche but DIRECT MANUFACTURING e
involved noi sei sob ENTERPRISES er EQUIPMENTS e TOTAL INVESTMENT er upor MICRO,
SMALL & MEDIUM ai 3 te CLASSIFICATION depend korche.
(Example- Dhoro RAJU CYCLE SERVICING holo MARATHON CYLCES er AUTHORISED
SERVICE CENTRE ba amra to barir ase pase onk CYCLE/ BIKE / SCOOTER REPAIRING or
SERVICING CENTRE, GARRAGE eisob dekhi. Eigulo kintu CYCLE/ BIKE/ SCOOTER kichui
DIRECT - MANUFACTURE korche na kintu MANUFACTURED GOODS mane CYCLE/ BIKE
egulo te kono problem hole segulo SERVICING kore thik kore dichhe. THESE ARE TYPES OF
SERVICE ENTERPRISES)
(I) MICRO INVESTMENT in EQUIPMENT DOES NOT EXCEED RS. 10 LAKH MEANS UPTO 10
LAKHS
(II) SMALL - INVESTMENT in EQUIPMENT is MORE THAN RS.10 LAKH BUT DOES NOT EXCEED
RS. 2 CRORE.
(III) MEDIUM - INVESTMENT in EQUIPMENT is MORE THAN RS. 2 CRORE BUT DOES NOT
EXCEED RS. 5 CRORE
Ai j INVESTMENT in EQUIPMENT bola hochhe ekhane kintu ORIGINAL COST OF
EQUIPMENT k ei ONLY CONSIDER kora hobe. Ete kono LAND, BUILDING, FURNITURE,
FITTINGS, TAX, MAINTAINC FEES, INSTALLATION, TRANSPORTATION CHARGES etc etc kichui
dhora HOBE NA. (Means SERVICE er sthe related nei erokom kono jinis COST e add kora
jaben,,,details list MSMED ACT2006 e ache.)
So, Summarised korle ENTERPRISE of INDIA is divided into MANUFACTURING &
SERVICE Sectors & These two are sub-divided into MICRO, SMALL & MEDIUM Sectors.
2. CREDIT/ LOAN FACILITY UNDER MSME:
PRIORITY SECTOR LENDING to sobar jana hoei gchi. So MICRO & SMALL ENTERPRISES
(Both MANUFACTURING & SERVICE Sectors) gulok dewa jekno LOAN/CREDIT facility PRIORITY
SECTOR (PS) er moddhe porbe. MEDIUM ta porbe na karon UPTO 5 CRORES LOAN k ei ONLY
PS-LENDING dhora hoi ar MEDIUM ENTERPRISES er CRITERIA holo ABOVE 5 CRORES. Buttttt,
MEDIUM er under e jesob LOAN dewa hobe mane ABOVE 5 CRORES jesob LOAN dewa hobe
ogulokeooo ekta jaigai CALCULATE kora hbe ba COUNT kora hobe but kothayyy??? It will be
counted in assessing the performance of the banks with regard to their achievement of targets
prescribed by the PRIME MINISTERS TASK FORCE ON MSMES FOR LENDING TO MSE
SECTOR.
Now,,,,,MSE (MICRO & SMALL) SECTOR e LOAN/CREDIT dewa hoi du vabe- DIRECT CREDIT &
INDIRECT CREDIT-
A. DIRECT CREDIT under MSE:
(I) LOAN to MICRO & SMALL Manufacturing Sectors specified in the first schedule to the Industries
(Development and regulation) Act, 1951 and notified by the Government from time to time.
(II) LOANS Upto 5 CRORES in MICRO & SMALL SERVICE Sectors
(III) LOANS for FOOD AND AGRO PROCESSING Units according to INVESTMENT CRITERIA of
MSMED ACT2006
(IV) EXPORT CREDIT/LOAN to MSE (Both MANUFACTURING & SERVICES) for EXPORTING
GOODS & SERVICES Produced/Rendered by them
(V) ALL LOANS sanctioned to UNITS in the KVI (KHADI AND VILLAGE INDUSTRIES) SECTORS,
irrespective of their size of operations and location and amount of original investment in Plant and
Machinery.
B. INDIRECT CREDIT under MSE:
(I) LOANS to ARTISANS VILLAGE and COTTAGE INDUSTRIES.
(II) LOANS to such INDUSTRIES which is not directly related to Production/Manufacturing of Goods
but it HELPS PRODUCING GOODS like RAW MATERIAL SUPPLIERS, "SPARE PARTS
SUPPLIERS, PACKEGING INDUSTRIES etc etc.
3. TARGETS OF MSE LOANS UNDER PRIORITY SECTOR:
A. PRIORITY SECTOR LENDING must be 40% of ANBC (ADJUSTED NET BANK CREDIT), easy
vasai NET LENDABLE RESOURCES OF A BANK- Eta agei bola hoeche,,,ar ekhon eta bola holo j
MSE LOAN er MAXIMUM LIMIT holo RS.5 CRORE PER BORROWER / UNIT
B. According to RECOMMENDATIONS of the PRIME MINISTERS TASK FORCE ON MSMES,
BANKS are advised to achieve a 20% YEARONYEAR GROWTH IN CREDIT TO MICRO AND
SMALL ENTERPRISES and a 10% ANNUAL GROWTH IN THE NUMBER OF MICRO
ENTERPRISE ACCOUNTS.
C. To ENSURE SUFFCIENT CREDIT FACILITY to MSE SECTOR, GOVT OF INDIA kichu
PARAMETERS FIXED kore dieche like-
(I) 40% of the TOTAL LOANS TO MSE SECTOR should go to MICRO (MANUFACTURING)
ENTERPRISES having INVESTMENT IN PLANT & MACHINERY - UP TO RS. 10 LAKHS and
MICRO (SERVICE) ENTERPRISES having INVESTMENT IN EQUIPMENT UP TO RS. 4
LAKHS
(II) 20% of the TOTAL LOANS TO MSE SECTOR should go to MICRO (MANUFACTURING)
ENTERPRISES with INVESTMENT IN PLANT AND MACHINERY - ABOVE RS. 10 LAKHS AND
UP TO RS. 25 LAKHS, and MICRO (SERVICE) ENTERPRISES with INVESTMENT IN
EQUIPMENT - ABOVE RS. 4 LAKHS AND UP TO RS. 10 LAKHS.
So, (40% + 20%) = 60% OF MSE LOANS/ ADVANCES SHOULD GO TO THE MICRO
ENTERPRISES (Mathai thake jeno,,,,,Very Very IMPORTANT)
4. SOME SPECIAL INSTRUCITON BY GOVT OF INDIA IN MSE LENDING:
A. COLLATERAL-
(I) BANKS are MANDATED NOT TO ACCEPT COLLATERAL SECURITY IN THE CASE OF LOANS
UPTO RS.10 LAKH extended to UNITS in the MSE SECTOR.
(II) BANKS are also advised to extend COLLATERALFREE LOANS UPTO RS. 10 LAKH to all
UNITS financed under the PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME OF
KHADI & VILLAGE INDUSTRIES
(II) Banks may, on the basis of GOOD TRACK RECORD and FINANCIAL POSITION of the MSE
UNITS, INCREASE the LIMIT OF DISPENSATION OF COLLATERAL REQUIREMENT FOR LOANS
UP TO RS.25 LAKH (But with permission from CONTROLLING OFFICE/HEAD OFFICE).
B. COMPOSITE LOAN-
A COMPOSITE LOAN LIMIT OF RS.1 CRORE can be sanctioned by BANKS to enable the MSE
ENTREPRENEURS to avail of their WORKING CAPITAL (Day to Day Expenses) and TERM LOAN
REQUIREMENT through Single Window.
C. SPECIALISED MSE BRANCH
PUBLIC SECTOR BANKS have been advised to OPEN AT LEAST ONE SPECIALISED BRANCH IN
EACH DISTRICT. Further, BANKS have been permitted to CATEGORISE THEIR MSME GENERAL
BANKING BRANCHES HAVING 60% OR MORE OF THEIR ADVANCES TO MSME SECTOR in
order to encourage them to open MORE SPECIALISED MSME branches for providing BETTER
SERVICE to this sector AS A WHOLE.
5. WHY MSE FINANCING
MSME Sectors (Alomst 26 MILLION Enterprise ache INDIA te) play a vital role for the GROWTH OF
INDIAN ECONOMY by contributing ROUGHLY-
(I) 45% of THE INDUSTRIAL OUTPUT
(II) 40% of EXPORTS
(III) 42 MILLION in EMPLOYMENT
(IV ) Create ONE MILLION JOBS EVERY YEAR
(IV) Produces MORE THAN 8000 QUALITY PRODUCTS for the INDIAN AND INTERNATIONAL
MARKETS.
Eto kichu er poreo ai MSME SECTOR Neglected thakto karon ei sob khetre SECURITY onk
kom chilo, tai BANK er LOSS khabar chance besi chlo,,,so BANK easily LOAN ditona,,,tai GOVT OF
INDIA ekta separate MSME MINISTRY i khule bose ai sob GUIDLINES issue korte thaklo,,specially
COLLATERAL-FREE LOAN er bparta,,,mane FACTORY korar poisa BANK dilo but oi FACTORY &
FACTORY te toiri PRODUCT er uporei BANK er odhikar thakbe (valo vasai ASSETS CREATED
OUT OF BANKS FINANCE or PRIMARY SECURITY er upor odhikar),,,,,,alada kore kono kichu
(COLLATERAL) dite hobena,,,kintu GOVT sudhu MSME er kotha vebeche setao noi,,,BANK er
kothao vebeche,,,jate COLLATERAL-FREE ai sob MSE-LOAN gulo NPA na hoe jai.....
But seta kivabe?? that we will see in NEXT POST.
88. CGTMSE (CREDIT GUARANTEE FUND TRUST FOR MICRO AND SMALL ENTERPRISES):-
So, From the post of MSME we have come to know that COLLATERAL or THIRD PARTY
GUARANTEE FREE CREDIT FACILITY is one of the main PURPOSE of MSME- LENDING.
Ar ektu easy vabe bolte gele, dhoro ami ekta garrage er mechanic, last 10 yrs dhore garrage e kaj
korchi, so obviously ekta soddo passed B.Tech Mechanical Engineering student er theke amar
practical knowledge onk besi, ar buisns sob somy practcl knwldg die hoi,,,theory lage but kom. Kintu
problem ta hcche ami class VIII e school chere diechi due to financial problem, tai amar kache kono
degree nei. Erokom ekta condition e ami SBI er XYZ BANK er Manager er kche approach korlam-
Me Sir, ami last 10 yrs dhore garrage e mechanic er kaj korchi, exprnc onk amar, kintu amar kno
degree nei, supportive prove nei amar technical skill er, kintu ami jani ami ekta garrage khule sekhan
thk valo income krte parbo, ami ekta LOAN pete pari????
Branch Manger Dekho ami to tomak valo korei jani, tumi kaj valoi koro, kintu tomak j LOAN debo
tar against e SECURITY ki ki dite parbe tumi????
Me- Sir, ami to jama kapor o dhar kore pori, SECURITY debo ki kre???
Branch Manager Tahole to tomak ami LOAN dite parbna, jdi tmar garrage buisns fail kore jai, ar
tomar ACCOUNT NPA hoe jai then ZONAL OFFICE to amar ghar motkabe. Na parlam na go, I am
very sorry...
Me Ami mukh gomra kore fire elam, amar ar garrage khola holona,,hoito ami LOAN ta pele future e
ekjon AUTOMOBILE COMPNY er mailik hote partam, je COMPANY may be puro WORLD e INDIA
k represent korto, But ki ar kora jai, RULES are RULES. Sob sesh hoe gelo.
Eirokom SITUATION jate na ase tai GOVERNMENT OF INDIA & SIDBI (SMALL INDUSTRIES
DEVELOPMENT BANK OF INDIA) mile SET UP korlo-
CGTMSE (CREDIT GUARANTEE FUND TRUST FOR MICRO AND SMALL ENTERPRISES)
Now how can CGTMSE can resolve these kind of ISSUES. Let us c-
1. In the event of a MSE UNIT, which availed COLLATERAL FREE CREDIT FACILITIES, fails to
discharge its liabilities to the lender means DEFAULT korlo/ BUISNS fail korlo tai LOAN
REPAYMENT korte parlona, then CGTMSE would pay the LOSS INCURRED BY THE LENDER
(BANK) up to 75 / 80/ 85 PER CENT of the credit facility.
2. Bank er mainly 2 to OBJECTIVE thaka dorkar-
A. PROJECT VIABILITY & LOAN PROPOSAL k valo kore STUDY kora and LOAN ta PURELY
PRIMARY SECURITY (Assets Created out of Banks Finance) er upor base kore dewa, NO
COLLATERAL.
B. BANK has to give COMPOSITE CREDIT to the borrowers so that the borrowers obtain BOTH
TERM LOAN (pati banglai MSE LOAN ta) AND WORKING CAPITAL FACILITIES (pati banglai oi
MSE LOAN debar por DAY TO DAY EXPENSES er jnnyo ekta CASH CREDIT dewa) from a single
agency.
COMPOSITE LOAN mane TERM LOAN (MSE LOAN) ta die BORROWER nijer PRIMARY SETUP
kore FACTORY chalu korlo, But sudhu chalu korlei to hobena, day to day onk khorcha ache like
Electricity Bill, Maintnc charge, Daily Labour der wages etc etc,,etar jnnyo ekta CASH CREDIT o
dewa dorkar JODI oi TERM LOAN er REPAYMENT SATISFACTORY hoi tobei.
C. (I) MSE Loan Jodi CGTMSE coverage er mddhe ELIGIBLE hoi then BANK MANAGER k ai
CGTMSE coverage tak CBS SYSTEM e ENTRY korate hbe & eta VERIFY korbe CONTROLLING
OFFICE/ ZONAL OFFICE.
(II) Jedin GAUARNTEE FEE payment kora hobe CGTMSE k sedin thekei ai COVERAGE ta chalu hoe
jabe. Ai FEES ta BORROWER k dite hobe.
(III) FINANCIAL YEAR er jei QUARTER e LOAN SANCTION hobe sei QUARTER er moddhei LOAN
tak CGTMSE te REGISTRD korte hobe COVERAGE er jnnyo.
(IV) TERM LOAN / COMPOSITE Loan er khetre LOAN er j TOTAL DURATION say 7 years, through
out this DURATION ai CGTMSE COVERAGE ta thakbe.
(IV) Jesob khetre BORROWER k WORKING CAPITAL FACILITY or CASH CREDIT facility ta TERM
LOAN er thk ALADA/ SEPERATE vabe dewa hobe sekhetre ai GUARANTEE COVERGAE ta thakbe
5 YEARS er jnnyo.
3. AMOUNT OF GUARANTEE COVERAGE under CGTMSE
A. Any COLLATERAL / THIRD PARTY GUARANTEE FREE CREDIT FACILITY extended/ given/
provided by ELIGIBLE INSTITUTION (BANKs/ FINANCIAL INSTITUIONs), to NEW as well as
EXISTING MICRO AND SMALL ENTERPRISES, including SERVICE ENTERPRISES, with a
MAXIMUM CREDIT CAP OF RS.100 LAKHS (RUPEES HUNDRED LAKHS ONLY) are ELIGIBLE to
be COVERED under CGTMSE.
B. The GUARANTEE COVER available UNDER THE SCHEME is to the extent of 75% / 80% of the
SANCTIONED AMOUNT of the CREDIT FACILITY, with a MAXIMUM GUARANTEE CAP OF
RS.62.50 LAKH / RS. 65 LAKH
Mane ai daralo j MAXIMUM 1 CRORE er LOAN PROPOSAL obdhi BANK ai CGTMSE coverage
nite pare but MAXIMUM GUARNTEE coverage by CGTMSE holo 75%/80% of SANCTIOND LOAN
AMOUNT which is MAXIMUM payable Upto 62.5 lakhs/65 Lakhs.
##### Ai duto jinis - LOAN PROPOSAL & MAXIMUM GUARANTEE jate guile na jai.
C. The extent of GUARANTEE COVER is 85% of the SANCTIONED CREDIT FACILITY for MICRO
ENTERPRISES FOR CREDIT UP TO RS.5 LAKHS.
D. The extent of GUARANTEE COVER IS 80% for -
(i) MICRO and SMALL ENTERPRISES operated and/or OWNED BY WOMEN
(ii) All CREDITS/LOANS in the NORTH EAST REGION (NER)
In case of default, CGTMSE settles the CLAIM UP TO 75% (OR 80%) of the AMOUNT IN DEFAULT
of the CREDIT FACILITY extended by the LENDING INSTITUTION (BANKs/FIs).

89. CONFUSIONS REGARDING PARTICIPATORY NOTES - ADR GDR

Ans. First ei bole di eisob nie amar knwldg khubii limited,,tai besi depth e qstn ask kore lojja deben
na...
Eta to amra jani j INDIAN COMPNAY gulo COMPANIES ACT mene chole. Ebar ekta INDIAN
COMPANY Jodi MARKET thk FUND-RAISE ba TAKA tulte chai tahole tak SHARE, PREFERENCE
SHARE, BOND, DEBENTURES esob issue korte hbe through IPO/FPO. Ai sob mal potro gulo
INDIAN ra kinbe ar er through tei COMPANY nijer jnnyo necessary FUND-RAISE korte parbe
market theke. Esob nie age details e discussion hoeche. Ami details e jachhina. Uporer bola TERM
gulor sthe keu oporichito thakle he/she may refer PINNED POST.
Esob to gelo INDIAN PUBLIC der theke FUND RAISE er golpo. But jokhon FOREIGN COUNTRY er
PUBLIC gulo theke INDIAN COMPANY gulo FUND-RAISE korte chaibe then to r SHARE issue korle
cholbena, karon INDIA & FOREIGN COUNTRIES er ECONOMICAL RULES & REGULATION
onektai DIFFERENT. So, ai problem solve korar jnnyo mane INDIAN COMPANY gulok FOREIGN
PUBLIC der theke FUND-RAISE korar jnnyoi ai 3te sample er abirbhab ghoteche i.e
1. PARTICIPATORY NOTES
Foreigner keu Jodi ei desh e invest korte chai WITHOUT REGISTRNG HIMSELF with SEBI, then sei
Foreigner ei desh e SEBI listed kono COMPANY er through die INVESTMNT korte parbe ar tar
MEDIUM hobe PARTICIPATORY NOTES. (PINNED POST e P-NOTE er FULL DETAILS ache,
karor ojana thakle refer koro ota, full clear hoe jbe).
2. ADR (AMERICAN DEPOSITORY RECIEPT)
P-NOTE onk risky, MONEY LAUNDRNG er hevvy chance ache. Tai Ebar INDIAN COMPANY Jodi ar
ektu safest way the UNITED STATES OF AMERICA er kono PUBLIC er theke FUND-RAISE korte
chai then ki korte hobe??? Obviuosly USA STOCK EXCHANGE e REGISTRD hote hobe ar tader
sala hevvy jhamela, mal der Financial Year i hoi JANUARY to DECEMBER. So savabik vabe oder ar
amader ACCOUNTING norms o alada, Erokom condtn e oder STOCK EXCHNG e REGNSTRD hoe
INVESTMNT kora somvob noi karon INDIAN COMPANY k edesher COMAPNIES ACT o mante hobe
abr AMERICAN ACT o mante hbe.
Now, the concept of ADR comes. What is ADR??-
Ekta example newa jak i.e. HDFC BANK. Ei HDFC Bank chaiche USA er PUBLIC der thk FUND-
RAISE korbo. Tahle ebar HDFC BANK ki korbe????
(I) HDFC BANK first kono AMERICAN BANK say CITI BANKer kache nijer (i.e. HDFC er) kichu
INDIAN SHARES k DEPOSIT korbe
(II) CITI BANK ebar HDFC BANK er PROFILE ta VALO KORE (valo kore mane 500 yr er history o
tule nie asbe) STUDY korbe, Jodi CITI BANK satisfied hoi then oi HDFC BANK er INDIAN SHARES
er EQUIVALENT VALUE er ekta RECIEPT ISSUE korbe. It is called ADR - AMERICAN
DEPOSITORY RECIEPT. Erokom onk gulo ADR issue korlo CITI BANK.
(III) Now, HDFC BANK oi sob ADR gulo die AMERICAN PUBLIC gulo er kache theke FUND-RAISE
korte parbe karon ei ADR gulo k OPENLY TRADING (PURCHASE & SELL) kora jabe USA CITIZENs
der mddhe AND er jnnyo USA STOCK MARKET er kono RULES/REGULATIONS/ACCOUNTING
LAWs ai HDFC BANK er pothe kanta hoe aste parbena
(IV) Eivabei INDIAN COMPANY gulo AMERICAN der kach thk FUND-RAISE korte parbe without any
LEGAL RESTRICTIONs between INDIA & USA.
3. GDR (GLOBAL DEPOSITORY RECIEPTS)
Etaro FUNDA same i,,,serokom bisal kichu noi,,,HDFC BANK Jodi vabe j ami ebar USA chere
EUROPE, AFRICA er PUBLIC der theke FUND-RAISE korbo. Then HDFC BANK je FINANCIAL
INSTRUMENT er through die EUROPE er PUBLIC der kache bikri korte parbe mane TRADING
(SELL & PURCHASE) korte parbe seta holo GDR- GLOBAL DEPOSITORY RECIEPTS.
Summarised korle hobe
1. P-NOTE, ADR, GDR 3 tei FOREIGN thk FUND-RAISE korar MEDIUM
2. P-NOTE e KONO BANK er INVOLVEMENT thake na but ADR & GDR e thak
3. ADR ta holo kono NON-US COMPANY Jodi USA te INVEST korte chai then ADR COMPULSARY
lagbei ar GDR ta holo ALL-OVER WORLD e acceptable so,
4. GDR is NEGOTIABLE all over the WORLD but ADR is NEGOTIABLE ONLY in USA
5. ADR can be a SUBSTITUE of GDR but GDR cant be a SUBSTITUTE of ADR

90. IMPORTANT TOPICS FOR UPCOMING INTERVIEW:

MH370, Airasia 8501, MH 17

Swachh Bharat
ISIS
ISRO's MOM
Jan Dhan Yojna
NITI Aayog
Fall in Oil Prices
India's current Economic Situation
Bodo Militants
Peshawar Attack
Russian Ruble Crisis
Ordinance for FDI in Insurance, Land Acqusition , PIO OIC Merger,
Coal Block Auction
Your views on Government formation in J&K
Your views on Government formation in Delhi

91. STATEMENT BY DR. RAGHURAM RAJAN ON MONETARY OLIC - 15TH JAN 2015:

Since July 2014, inflationary pressures (measured by changes in the consumer price index) have
been easing. The path of inflation, while below the expected trajectory, has been consistent with
the assessment of the balance of risks in the Reserve Banks bi-monthly monetary policy
statements. To some extent, lower than expected inflation has been enabled by the sharper than
expected decline in prices of vegetables and fruits since September, ebbing price pressures in
respect of cereals and the large fall in international commodity prices, particularly crude oil.
Crude prices, barring geo-political shocks, are expected to remain low over the year. Weak
demand conditions have also moderated inflation excluding food and fuel, especially in the
reading for December. Finally, the government has reiterated its commitment to adhering to its
fiscal deficit target.
These factors have significantly reduced the momentum of inflation, compensating for the widely
anticipated ending of favourable base effects. Households inflation expectations have adapted,
and both near-term and longer-term inflation expectations have eased to single digits for the first
time since September 2009. Inflation outcomes have fallen significantly below the 8 per cent
targeted by January 2015. On current policy settings, inflation is likely to be below 6 per cent by
January 2016.
These developments have provided headroom for a shift in the monetary policy stance. It may be
recalled that the fifth bi-monthly monetary policy statement of December had stated that if the
current inflation momentum and changes in inflation expectations continue, and fiscal
developments are encouraging, a change in the monetary policy stance is likely early next year,
including outside the policy review cycle. In its public interactions, the RBI had committed to
initiate the process of monetary easing as soon as data indicated that medium term inflationary
targets would be met. Keeping this commitment in mind, it has been decided to:
reduce the policy repo rate under the liquidity adjustment facility (LAF) by 25 basis points from
8.0 per cent to 7.75 per cent with immediate effect;
keep the cash reserve ratio (CRR) of scheduled banks unchanged at 4.0 per cent of net demand
and time liabilities (NDTL);
continue to provide liquidity under overnight repos at 0.25 per cent of bank-wise NDTL at the LAF
repo rate and liquidity under 7-day and 14-day term repos of up to 0.75 per cent of NDTL of the
banking system through auctions; and
continue with daily variable rate repos and reverse repos to smooth liquidity.
Consequently, the reverse repo rate under the LAF stands adjusted to 6.75 per cent, and the
marginal standing facility (MSF) rate and the Bank Rate to 8.75 per cent with immediate effect.
The fifth bi-monthly monetary policy statement also stated that once the monetary policy stance
shifts, subsequent policy actions will be consistent with this stance. Key to further easing are
data that confirm continuing disinflationary pressures. Also critical would be sustained high
quality fiscal consolidation as well as steps to overcome supply constraints and assure
availability of key inputs such as power, land, minerals and infrastructure. The latter would be
needed to ensure that potential output rises above the projected pick-up in growth in coming
quarters so as to contain inflation.

92. WHAT IS THE REASON BEHIND THE SUDDEN CHANGE OF MONETORY POLICY???

A. The large fall in global commodity prices has result in a sharp decline in domestic goods prices...
(mainly due to the increased sources of oil n crude products in usa )... now this is the perfect time for
a growing country like india to boost its confidence both financially and om business purpose... GOI
will obviously target in lowering fiscal deficit target.... thats why FM asked rbi to cut rates .... which
will lead to more money in the hands of common people like us... cut prices of essential
commodities like vegetables oil etc.... it will lead to greater spendings also... BENEFITS OF COMMON
PEOPLE : cheaper home loans , car loans,, more interest on FD RD ..... From businessmen point of
view,,,, this rate cuts will result increase in FII....... increase in domestic investment.... all the small
and big business will be benefitted..... "make in india" campaign will also be successful... india will
thus be a better place of doing business... hence due to RBI's this rate cut decision,, both govt, and
common people will be benefitted.

B. Actually simply saying,,,,, india has to spent less amounts in buying oil and petrolium prodeucts
.... less in import prices... which means more money in the hands of GOI.. thus RBI can easily lend
money to commercial banks... thus it cut rates (repo, bank rate).... now banks thus have more
money,, thus they can lend more to common people at cheaper rates....thus people willl take home
loans personal loans etc etc.... thus econommy will boost up.... again people will be attracted to save
money in banks in FD and RD (due to more interest)

93. HOW IS THE PRESENT CONDITION OF INDIAN ECONOMY?

it is progressing as rbi expected it to br 6.4 % for the next financial years and right now we have 2
billion USD economy after us and japan and it is expected to be 3 billion USD in 2019.

94. VIEWS ON BANKING LICENSE FOR POST OFFICES:

A. I think banking license dewa ucht ebong both GOI and RBI raji hye ache dewar jone... jder kache
ato deposit amount ryche,tara banking sector a dhukle financial inclusion aro barbe, postoffce bank
er thke onk kom facility dey tao tder kache ato sum deposits,tale bnking er license pele kto hobe
seta bojhai jae, so overall economy upliftment to hbei amar mone hye

B. Financial inclusion-----huge number of branch----rural connectivity---high productivity of postal

workers----insurance--to rural people---n-cheap rate loan to farmers and shg----etc...
C. Also the image of post office to the senior citizens is much better than many psu (like idbi, dena,
p&s bank). So in rural areas they can build better network than other banks... so they should be
given.

95. TIER 1 & TIER 2 CAPITAL:

(Refer POST 36 CRAR of PINNED PDF FILE for more details)
Suru tei bole di eibpar e amar ekdom upor upor knwldg tai khubii simito level obdhi jani,,ja
bjhechi motamuti setai likhlm
TIER 1 CAPITAL- (Main Financial Strength of a Banks Point of view)

1. T1 CAPITAL mane jesob Capital k easily LIQUIDATE ba cash e convert kra jabe like Common
Share, Prefernce share, All disclosed Reserves, Retained Earnings means mane Bank nijer Net
Income er je portion ta Share holders der Dividend hisabe debe na, borong nijer kachei rekhe
debe. (Jodi loss hoi tahle case khabe , setao nijer kachei rkhte hbe then bparta negative hoe
jabe).
2. T1 CAPITAL, BANK er kono LOSS k ABSORB kre without stopping Bank's function.
3. Etak Financial term e CORE CAPITAL bole .
TIER 2 CAPITAL-
1. Eita T1 er thk LESS LIQUID
2. Examples hlo Debt (Bond), Loss reserve, Fully convertible Debentures, Emn kono Debt ja
hoito ekhn payback krte hbena bt future e krte hte pare, Undisclosed Reserves, off balance sheet
items jgulo normly e balance sheet e include kra hoina eisobb.
3. Etak SUBORDINATE or SUPPLIMENTARY CAPITAL bole
4. Bank jodi bndho hoe jai tokhni ai Capital ta kichuta loss absorb kre tai er importnc T1 er thk
kom
### IMPORTANT
A. Kono Bank Jodi pothe bose jawar moton obsthai ase mane financial crisis er mddhe chole ase
then sei SHOCK tak ABSORB krar khomota T1 CAPITAL er onk besi T2 CAPITAL er thek tai T1
CAPITAL always more reliable that T2CAPITAL.
B. Tai CRAR/CAD/CAPITAL ADEQCY RATIO te BANK k je TOTAL AMOUNT OF CAPITAL
Reserved rakhte hoi according to RISK WEIGHTED ASSETS tate, TIER-1 CAPITAL er
AMOUNT (%) ta TIER-2 er theke onk besi.
C. Tomar kache dhoro 10 taka ache that is your CAPITAL, Er moddhe 7 taka tomar nijer tumi
jano,,er upor karur odhikar nei,,,but baki 3 taka er mddhe 1 taka tmar bed e keu fele rekhe die
gche, 1 taka tomar bndhu tomar kche rkhe gchlo kintu onkdin hoe glo nite aseni, Last 1 taka ta
tomak kauk dite hbe bt moneiii porchena j kak dite hbe,,,,jai hok gie ai 3 taka ta now tmr kche
ache tai etao tomar CAPITAL er mddhe dhora hobe. KINTU future e tmar bed e j rekhe gchlo se
oi 1taka ta chaitei pare ese, tomar bndhu sei onk din dhore rakha 1 taka tao ese ferot chaite
pare, tomar mone pore gelo j tomak last 1 taka ta kak dite hbe.
Tai ai 3 taka tar upor besi depend kora jaina but jehetu eta ekhon amar kache ache tai fele to ar
dewa jaina ai jnnyo eta TIER 2 CAPITAL bola holo & oi j 7 taka jar upor karur odhikar nei seta
amar main strength ja die ami amr future ta secure korte parbo Jodi konodin hothat kre amar
taka er dorkar pore jai to, tai ei 7 taka ta amar TIER 1 CAPITAL .
Eita ekta patii example jar sthe reality ba actual financial world er kno somporko nei, but uporer
example e Jodi tumi AMAR sthe BANK k compare koro then T1 & T2 CAPITAL kichuta holeo
bojha jabe. Ai stage e etotai onek. Ark hub kopal kharap holei esob qstn ask korbe PI te.

96. WB - WORLD BANK & IMF - INTERNATIONAL MONETORY FUND, SDR SPECIAL
DRAWING RIGHT:

1. WORLD BANK (WB):-

MAIN OBJECTIVE:-
World er joto Developing/Under-developed/Poor Countries ache taderk Financial assistance
dewa. Kivabe??? Interest free loan, Subsidised rate e loan die and tar sthe various financial bpar
e as a consultant/policy-formulator/ technical & financial assistant mane bangla vasai gyanodata
hisabe kaj kore. But ai Loan/Fund gulok ai sob country gulo kivabe kaje lagai??? Onk vabe like
road constrctn project, school/college toiri te, gorib der jnnyo ghor bari toiri korte, food er jekhane
crisis ache sekhane kom dam e manusder ration supply kore, agriculture field e farmer der chas-
bas korar jnnyo jabotio jinis potro kenar jnnyo help kore, various financial project launch kre etc
etc. World Bank abr majhe majhe aisob under-developed desh gulor Government & Bank gulor
sthe collaboration kre nanarokom er financial help kore.
FEATURES:-
A. The World Bank was established in July - 1944 after World War II
B. Headquartered at Washington D.C. , United States
C. Present President Jim Yong Kim
D. Present Chief Economist Kaushik Basu
E. The World Bank is a component of the World Bank Group
F. The World Bank is a member of the United Nations Development Group
G. Official Goal is Reduction of Poverty
H. The World Bank is a composition of 2 Organization IBRD & IDA
I. WORLD BANK = IBRD + IDA
J. IBRD International Bank for Reconstruction and Development
K. IDA International Development Association
L. No. of Member Countries at present: IBRD 188 Countries, IRD 172 Countries
M. IBRDs Aim Reduce poverty in middle-income and creditworthy poorer countries
N. IDAs Aim Focuse exclusively on the worlds poorest countries
O. 188 Countries are represented by a Board of Governors
P. Members of Board of Governors are mainly Finance/Development Ministers of the Member
Countries
Q. This Board of Governors is the main Policy maker of World Bank (WB).
R. They meet once a year at the Annual Meetings of the Boards of Governors of WB Group.
S. No. of Executive Directors (ED) under the Board of Governors = 25 Nos.
T. 5 EDs are appointed from 5 largest Share Holder Countries France, Germany, Japan, the
United Kingdom and the United States.
U. Rest of the Member Countries are Represented by 20 Nos. Elected EDs.
V. Main Source of Asset/ Capital/ Malkori Selling WB Bonds to Investors
2. INTERNATIONAL MONETORY FUND (IMF):-
MAIN OBJECTIVE:-
IMF er main kaj holo puro world er Monetory condition k control kora, RBI jerokom amader
desher Monetory policy k control kore serokom IMF puro duniar kore jate world e financial crisis
tak jotota obdhi para jai avoid kora jai. IMF er member countries gulo eksthe aisob bpar spar gulo
dekhe ar ei monetory condition Jodi stable thak then world er overall economic growth hbe,
,,Foreign Exchange rate improve korbe,,,,employment barbe, international trade barbe as a
whole poverty kombe. So ghure fire sei gie WB & IMF er objective ta eki gie daralo just sudhu
APPROACH ta alada.
FEATURES:-
A. The IMF was formed in 27 December 1945 after World War II
B. Headquartered at Washington D.C. , United States
C. Present Managing Director Christine Lagarde
D. Official Goal is Oversees the international monetary system
E. Number of Member Countries = 188.
F. Main Source of Capital/Asset/ Malkori IMF-QUOTA
Kono CLUB e MEMBERSHIP nite gele ekta taka joma dite hoi as an ENTRY FEE/ MEMBERS
CONTRIBUTION. Now suppose, RAM, SHYAM, MADHU - 3 jon eksthe ekta CLUB join korlo but
RAM dilo 50/- taka, SHYAM dilo 75/- taka ar MADHU dilo 1000/- taka. Eisob Members der taka
gulo Club er FUND e gie joma hoi. Ekhon naturally, baki 2 joner theke MADHU er palla vari
thakbe as MADHU er Contribution onk besi, club er jkno important kaj e Madhu er kotha k besi
patta dewa hbe, or view tai sobai besi prefer korbe, kono new member k club er dhokanor age
Madhu er permission nite hobe mane vota-vuti hole Madhu is the King, na chaileo baki member
der Madhu k support kortei hbe as MONEY = POWER.
Thik ei jinis tai hchhe IMF e,,,,,,IMF e jokhon kono NEW COUNTRY entry kore then take e EKTA
AMOUNT joma dite hoi ba reserved rkhte hoi IMF er kche as per the Countrys ECONOMIC
CONDITION. Je joto besi taka dhalbe mane JOMA/ RESERVED rakhbe se toto boro honu hoe
darabe. Ai joma howa taka tak IMF er vasai IMF-QUOTA bole. Sob Country eri ekta QUOTA
ache je jar auwkad moton taka dheleche. Ai IMF-QUOTA er upor base/ nirovor kore IMF tader
Member Country gulo SDR-SPECIAL DRAWING RIGHT issue kore. Eta k IMFs CURRENCY-
UNIT bole but actually eta kono CURRENCYi noi, eta ONLY IMF ei use kora hoi specily for
FOREIGN EXCHANGE purpose. Let us see,,,,,,,,ekta kotha jene rakho j ai SDR k only USD,
EURO, YEN, STERLING ai charte CURRENCY te exchange kora jai,,,Ai SDR onk WEAK
COUNTRY er FOREX RESERVE barate help kore ar tar MIDDLEMAN hisabe kaj kore IMF..
IMF tar FOREX-STRONG Country gulok ai SDR gulo kinte bole WEAK COUNTRY gulor theke -
jerokom USA kichu SDR kinlo INDIA er thk ar tar poriborte INDIA k kichu USD dil ,,,,tar fole
INDIA er FOREX reserve barlo. IMF er ekta weightd formula ache j 1 SDR = So n So USD,
EURO, YEN, STERLNG ,,ei formula/conversion formula tar upor base kore EXCHANGE ta hoi,
IMF er wbsite e gele exact formula gulo ta peye jabe.
Ekta random exmpl Jodi nao, say 1 SDR = 2.5 USD (US Dollar) tar mane USA Jodi india er
FOREX - FOREIGN EXCHANGE RESERVE er SDR thk 1000 ta SDR kine fele then tar
poriborte INDIA k (1000*2.5) = 2500 USD debe. So that INDIA er jokhon FOREX er shortage
porbe tokhon ai SDR gulo Exchange kore INDIA kichuta recovery korte parbe,,USD charao
EURO, YEN, STERLNG e ai exchange hobe (INDIA er main FOREX RESRV kintu USD tei thak)
,,,ar onnyo kichute noi...Ebar kotogulo prosno ache-----
A. INDIA er FOREX er shortage keno porbe?
Ans. Sei jokhon CURRENT A/C DEFICIT hobe mane IMPORT besi hobe EXPORT er thk ar
excess IMPORT er jnnyo bideshi der USD te paymnt korte hbe,,ai kore kore FOREX er stock
komte thakbe
B. INDIA er FOREX RESERVE e ai SDR gulo kotha theke elo?
Ans. INDIA jokhn IMF er Member hoi tokhn IMF k kichu taka diechlo that is IMF-QUOTA,,,ar tar
poriborte IMF tokhn INDIA k SDR issue korechlo.
C. Ai SDR gulo kivabe INDIA bikri korbe ba EXCHANE korbe USA er kche?
Ans. Through MIDDLE-MAN The IMF
Etao amra sobai jani IMF e sob thk besi taka k dhalte pare?? That is UNITED STATES OF
AMERICA & Amader INDIA er haal USA er tulonai khubi kharap. Je Country er IMF-QUOTA joto
besi sei country er VOTING-RIGHT toto besi. Club er motoni jekno NEW COUNTRY entry korar
age IMF er SDR-DEPARTMENT e voting hoi (Mean new country er name e SDR issue korar
age) & sei vote e oi country k 85% majority pete hoi,tobei tak SDR issue kora hbe.

97. WORLD BANK v/s IMF

Ager POST e details ache halka er upor die are tai summarised kore dilam
1. Dutoi amader WORLD er overall Economic Develpmnt er jnnyo formed kora hoi after World
War-II just dutor APPROACH ta alada
2. World Bank er main kaj TO REDUCE POVERTY by giving intrst free credit, subsidizd crdit,
financial & technical assistant, policy formulation to UNDER-DEVELOPD Countries. So WB er
main FOCUS hchhe WORLD r Poor Country & Less Developed Region gulo
IMF er main kaj hlo puro WORLD er Monetory Condition k control kora to enhance sustainable
econmc growth, better exchange rate, high emplymnt i.e overall Econmc devlpmnt. So, IMF er
main FOCUS hchhe All over WORLD
3. WORLD Bank er main RESOURCES OF FUND hchhe WB BOND jegulok INVESTOR der
kache sell kore FUND generate kora hoi
IMF er main RESOURCES OF FUND hcche IMF-QUOTA

98. DIFFERENT TYPES OF CUSTOMERS IN INDIAN BANKING INDUSTRY:

According to Risk agei discussion kora hoeche HIGH, MEDIUM, LOW Risk Customers (Refer
#19 of PINNED POST). Eta charao according to types of Account, amra CUSTOMER der
different vabe distinguish korte pari. One by One asa jak,ekdom upor upor die jabo.
1. INDIVIDUAL GENERAL: Mane ekdom normal public, KYC nao, A/C opening form valo kore
fillup koro, Nomination nao, Initial Deposit joma nao, Signature Card with Photo nao ar A/c open
koro.
2.MINOR- Refer PINNED POST #6 & #53 for exceptions & baki sob kichui INDIVIDUAL-
GENERAL er moton hbe
3. ILLITERATE- No ATM, No CHQ BOOK, Male hole LEFT THUMB IMPRESSION (LTI), Female
hole RIGHT THUMB IMPRESSION (RTI), A/c Opening Form e ekjon Witness/Introducer must
jei manush ta Acoount Form er sob terms & condtions nije pore oi Illiterate Customer k bujhie
debe ar nijer Signature debe. Iliiterate Customer er LTI/RTI ta newa hobe ekjon Bank Officer er
Presence e. Future e Withdrawl korte hole every time customer k bank e present thakte hbe,
sarir kharap/hospitalized hole bank official gie THUMB nie asbe ar Doctor er Certificate o niet
pare Jodi mone hoi.
4. MARRIED WOMEN Everything as per INDIVIDUAL GENERAL But Jodi Passbook e eta
print korate hoi j WIFE OF So and So then ekta valid proof dekhate hobe j onar husband er
name ta ki hbe. Baki sob same.
5. PARDANASHIN MUSLIM WOMEN- Refer #21 of PINNED POST
6. AUTISM, CEREBRAL PALSY, MENTAL RETARDATION: Acoount operate korbe LEGAL
Guardian as per Guardianship Certificate issue by District Court or, Local Level Committee
setup under Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation & Multiple
Disabilities Act 1999.
7. VISUALLY IMPAIRED PERSONS- Refer #4 of PINNED POST
8. PERSONS WHO CANT SIGN DUE TO LOSS OF BOTH HANDS- Alternative way is TOE
IMPRESSION of Customer in presence of Bank Officer and Witness. Ekta Power of Attorney nite
parle valo jate ei customer er behalf e onnyo er kono relative/blood relation er keu Customer er
Account operate korte pare. Aita rarest of rare case. But A/c open kora jete pare as Supreme
Court & Indian Banks Association guidlines.
9. OLD & SICK PERSON: Onk age hoe gche say 80-85, khub condition kharap but kono karon e
Account open korte hbe. As per RBI Guidlines, tumi a/c open korte parbe. Jodi THUMB/TOE
Impression nite hoi then 2 jon Witness er samne nite hbe & eder mddhe ekjon Bank Officer hbe.
Jodi etoi condition kharap j Bank e aste parchena then bari/hospital gie ante hbe, oi same 2 to
Witness, 1 jon Officer. Future e taka tulteo same condtion applicable hobe. Sick Customer nijer
choice ba Power of Attorney dite pare j onar behalf e k a/c operate korbe. Khub risky egulo. Eitao
rare case.
10. LUNATICS: Indian Contract Act bolche j ekjon LUNATIC minded person ekta VALID
CONTRACT e participate korte parbena tai eisob a/c na kholia valo. Jodi present kono a/c holder
Lunatic hoe jai then khobor pawa matro Account Freeze kore dite hbe, Jodi future e valo hoe jai
then transaction resume korbe otherwise a/c close kore debo. Exceptional case e Jodi kono
COURT ekjon Legal Guardian appoint kore dei on behalf of that LUNATIC then Banker may
allow to open an account. Oi Guardian tai a/c operate korbe.
11. DRUNKARDS or MATALS: As per law keu Jodi besi nesha kore then tar decision newar
khomota chole jai tai seo kno Contract e participate korte parbena ar korleo seta Invalid hobe.
Ebar prosno holo Jodi kono Existing Customer erokom neshakhor hoe jai then? Then
CHQ/Withdrawl Slip die Payment kno Witnesser samne hob ear New Customer Approach korle
tak dekhe Jodi mone hoi se ai duniate ache then a/c open kora jete pare ar Jodi mone hoi j a
khorchar khatai chole gche then pati refuse kore dao.
12. HUF - HINDU UNIDIVIDED FAMILY: The HUF carries out ANCESTRAL BUSINESS &
POSSESSES ANCESTRAL PROPERTIES. Ancestral Property mane matrivasai POITRIK
SOMPOTTI..The Hindu Succession Act 1956 onuzai HUF chole. As per HINDU Law duto jinis
ache- DAYABHAGA & MITAKSHARA. Amader Bengal e ai DAYABHAGA ta follow kora hoi
and baki desh e MITAKSHARA follow kora hoi. DAYABHAGA te FATHER acquires
ABSOLUTE RIGHT & SONS der jonmo thekei kono odhikar nei means baap i sorbesorba.
MITAKSHARA te A MALE - MEMBER acquires the RIGHT. HUF er Senior Most Person/
Father k KARTA bola hoi ar baki MALE-MEMBER der CO-PARCENERS bola hoi. FEMALE
members ra CO-PARCENERS hote pare na a/c to Law except in Tamil Nadu & Andhra Pradesh.
Ai KARTA ai Family Business & Property ta dekhval korbe, Jodi bikri korte gele mane kono
CONTRACT banate gele baki members ba CO-PARCENERS der signature lagbe. Jodi KARTA
er death hoe jai then Next Senior Most Person tar jaiga nebe. CO-PARCENER Jodi bidesh e
chole jai ta sotteo tar odhikar thakbe & KARTA er Jodi erokom case hoi then se ALTERNATIVE-
KARTA appoint korte pare baki sobar consent/permission nie.
HUF er name e BANK-ACCOUNT khulte gele sei ACCOUNT ta KARTA & FAMILY BUISNESS
er name e hobe. Current a/c hobe. PARTKARTA & HUF er sob adult members ra Account
Opening Form e sign korbe. Main operator of the Account hobe KARTA. Jodi HUF er Business
Branches onk jaigai thak then KARTA ekjon kono ADULT CO-PARCENER k MANAGER
hisabe appoint korte pare. KARTA er poriborte HUF er jekno ADULT CO-PARCENERS ai HUF
operate korte pare but tar jnnyo KARTA k ekta LETTER OF AUTHORITY & INDEMNITY BOND
PAPER sign kore submit korte hobe. Kono FEMALE member operate korte parbena but Jodi
kono ADULT COPARCENERS na theke then MOTHER operate korte pare.
13. SOLE-PROPRIETARY CONCERNS: Name sunei as kori bojha geche. Current a/c hobe.
Kono Shop, Buisness Concerns er Jodi ekjon i malik hoi then ai a/c open kora jabe. Say tomar
ekta Misti er dokan ache ABC SWEETS ar tomar name XYZ. Tahle tumi tomar dokan ABC
SWEETS er name eirokom ekta a/c open korte parbe. Tomar dokan er ekta STAMP thakbe
jeta CHQ/WITHDRWL SLIP er marar por tomak Sign korte hobe. A/c open korte gele PAN Card,
Trade License, Income Tax Returns, Full KYC, Evidence of Sole-Proprietorship etc etc lgbe
14. PARTNERSHIP: Section 4 of Indian Partnership Act bolche j A partnership is the
relationship between persons who have agreed to share the profits of a business carried on by
all or any of them acting for all. PARTNESRSHIP A/c ta obossoi Current a/c hobe. FIRM er
name e Account ta hbe. Kono particular partners er name e noi. Account er Mode of operation er
Undertaking/ Declaration dite hbe sob Partner der eksthe. It may be All jointly/ Any two jointly/
First Two Jointly/ Any one etc etc. Ai a/c khulte gele PARTNERSHIP DEED/ PARTNERSHIP
LETTER er copy bank k dite hobe. Banker k ai deed ta valo kore study korte hbe j kono golpo to
nei...!!! Ar Firm ta registered hole REGISTRATION CERTIFICATE lgbe. Tachara PAN/Form 60
to achei.
15. TRUST: Indian Contract Act1882 er Section 3 te TRUST er definition pawa jabe. Aitao
Current a/c hobe. Main 3 te Document must for opening Trust A/c Trust Deed, Certificate of
Registration Under Local Public Trusts Act, A Resolution signed by all the Trustees for
OPENING & OPERATION of Account. Accordingly mode of operation thik kora hbe. Valo vabe
docs scrutiny korte hbe & enquiry korte hobe before opening a/c.
16. CLUBS, SOCIETIES, ASSOCIATIONS & SCHOOLS: Same Current a/c hobe. Valo kore
convinced hoe then a/c open korte hobe. Mandatory kichu Documents holo Constituition/
Bye-Laws, Certificate of Registration, A Resolution signed by all the Members, President,
Secretary, Treasurer for OPENING & OPERATION of Account. Accordingly mode of operation
decide hobe. Co-operative Society er a/c e Approval of Registrar of Co-operative Societies
lgbe.
17. PUBLIC & PRIVATE LIMITED COMPANY: Khubiiii careful thakte hobe eisob a/c khulte.
ZONAL & HEAD OFFICE er permission lagbe or Company er Director/Representative Branch
Manager er khub porichito hote hbe. No doubt Current A/c. Important Documnets holo (I)
Certificate of Incorporation Issued by Registrar of Companies after being satisfied that the
newly formed Limited Company fulfilled all the regularions of Companys Act.,,,,,,(II)
Memorandum of Association Ai document theke jana jabe j ai company toiri korar purpose ta
ki ar company er business operations kotodur obdhi chorie chitie ache,,,,,(III) Articles of
Association Eita theke Company er internal affairs sompork idea pawa jai specially
Managment regulations er bpar e,,,,(IV) Board Resolution Ete Board of Directors er
permission thakbe j ekta account open kora hbe ar a/c ta k k operate korben etc,,,,(V) Certificate
of Registration,,,,(VI) List of Directors....
18. LOCAL BODIES: Gram Panchayat, Municipal Corporation, Block Development Offices, Port
Trust or any other Quasi-Government Bodies. Eisob A/c gulo Authorise Signatory die operate
hoi as an example j BDO A/c ta BDO er sign diei operate hbe, PANCHAYAT A/c ta PANCHAYAT
er SECRETARY k die operate hbe etc. Etao Current A/c hobe.
## Very_Important Sob CURRENT A/C ei Signature er sthe ekta Seal/Stamp thakbe se jei a/c
hok na keno, without Stamp amra kono signature accept korbo na.

99. PARA-BANKING:

Bank er main kaj public thk deposit newa r proyojonio lokder sekhan thk loan dewa,,,bank jdi custmr
k deposit e 4% intrst dei then ulto 12% intrst o chrg kore loan custmrdr thk ai (12-4)% = 8% hlo bank
er income,,,etai traditionl banking,,,,,but ekhon bank etar sthe aro anusangik kaj suru kreche like
MUTUAL FUND, BANCASSURANCE, INTERNET BANKING, ATM CUM DEBIT CARD, PENSION FUND
MANAGMNT, UNDERWRITING OF BONDS OF PSUs etc. Egulo kei PARA-BANKING bole. So, day-to-
day banking activities theke alada jesob kaj Bank kore seguloi PARA-BANKING e add hoi.

100. WHAT IS THE DIFFERENCES BETWEEN EPF, GPF AND PPF:

EPF- Employees Provident Fund

GPF General Pension Fund (GPF -Frequently Asked Questions Below)
PPF Public Provident Fund
GPF General Provident Fund which is for the Government Employees
PPF Individuals can save to a maximum of Rs.60000/- in a year in the account. Account can be
maintained in a Post Office.
EPF Employees Provident Fund for Private sector where 12% of Employees share and 12 % of
Employers share of Basic Salary + DA is deducted and remitted to PF Authorities
PF vs PPF: Whats the difference ?
1. What is PPF and PF?
EPF/ PF (Employees Provident Fund / Provident Fund)
The Employee Provident Fund, or provident fund as it is normally referred to, is a retirement
benefit scheme that is available to salaried employees.
Under this scheme, a stipulated amount (currently 12%) is deducted from the employees salary
and contributed towards the fund. This amount is decided by the government.
The employer also contributes an equal amount to the fund.
However, an employee can contribute more than the stipulated amount if the scheme allows for
it. So, lets say the employee decides 15% must be deducted towards the EPF. In this case, the
employer is not obligated to pay any contribution over and above the amount as stipulated, which
is 12%.
PPF (Public Provident Fund)
The Public Provident Fund has been established by the central government. You can voluntarily
decide to open one. You need not be a salaried individual, you could be a consultant, a
freelancer or even working on a contract basis. You can also open this account if you are not
earning.
Any individual can open a PPF account in any nationalised bank or its branches that handle PPF
accounts. You can also open it at the head post office or certain select post offices.
The minimum amount to be deposited in this account is Rs 500 per year. The maximum amount
you can deposit every year is Rs 70,000.
2. What is the return on this investment?
EPF: 8.5% per annum
PPF: 8% per annum
3. How long is the money blocked?
EPF
The amount accumulated in the PF is paid at the time of retirement or resignation. Or, it can be
transferred from one company to the other if one changes jobs.
In case of the death of the employee, the accumulated balance is paid to the legal heir.
PPF
The accumulated sum is repayable after 15 years.
The entire balance can be withdrawn on maturity, that is, after 15 years of the close of the
financial year in which you opened the account.
It can be extended for a period of five years after that. During these five years, you earn the rate
of interest and can also make fresh deposits.
Save tax and get rich
4. What is the tax impact?
EPF
The amount you invest is eligible for deduction under the Rs 1,00,000 limit of Section 80C.
If you have worked continuously for a period of five years, the withdrawal of PF is not taxed.
If you have not worked for at least five years, but the PF has been transferred to the new
employer, then too it is not taxed.
The tenure of employment with the new employer is included in computing the total of five years.
If you withdraw it before completion of five years, it is taxed.
But if your employment is terminated due to ill-health, the PF withdrawal is not taxed.
PPF
The amount you invest is eligible for deduction under the Rs 1,00,000 limit of Section 80C.
On maturity, you pay absolutely no tax.
5. What if you need the money?
EPF
If you urgently need the money, you can take a loan on your PF.
You can also make a premature withdrawal on the condition that you are withdrawing the money
for your daughters wedding (not son or not even yours) or you are buying a home.
To find out the details, you will have to talk to your employer and then get in touch with the EPF
office (your employer will help you out with this).
PPF
You can take a loan on the PPF from the third year of opening your account to the sixth year. So,
if the account is opened during the financial year 1997-98, the first loan can be taken during
financial year 1999-2000 (the financial year is from April 1 to March 31).
The loan amount will be up to a maximum of 25% of the balance in your account at the end of
the first financial year. In this case, it will be March 31, 1998.
You can make withdrawals during any one year from the sixth year. You are allowed to withdraw
50% of the balance at the end of the fourth year, preceding the year in which the amount is
withdrawn or the end of the preceding year whichever is lower.
For example, if the account was opened in 1993-94 and the first withdrawal was made during
1999-2000, the amount you can withdraw is limited to 50% of the balance as on March 31, 1996,
or March 31, 1999, whichever is lower.
If the account extended beyond 15 years, partial withdrawal up to 60% of the balance you
have at the end of the 15 year period is allowed.

GPF FREQUENTLY ASKED QUESTION

1. What is a GPF Advance ?
GPF Advance is an interest free loan from your savings in General Provident Fund Account for
specified reasons. You need to repay the same into your account in equated monthly
installments. No interest shall be charged on the amount so taken as advance. However, you will
not be paid any interest on GPF amount taken as advance. Such advances are covered under
terms as per sub Rule (1) of Rule 12 of GPF (CS) RULES, 1960.
2. What are the reasons for which GPF Advance can be taken ?
One can take GPF Advance for the reasons of higher education of self, children, legal
expenditure, religious vow, obligatory expenses towards betrothal, marriage and other like
ceremonies, for purchase of consumer durables such as TV, VCR, washing machines,
computers etc.
3. How many times in a year GPF Advance can be taken ? Is there any limit in the same during
whole of our service?
One can take GPF Advance any number of times in our career. However, At least 4 months time
gap will between two advances and 6 months time gap for withdrawals have to be maintained.
The sanctioning authority, may relax this rule in exceptional cases depending on the merits of the
application.
4. What is the maximum amount that can be taken as GPF Advance ?
The amount taken as GPF Advance at a time cannot exceed one-half of available balance or
three months pay, whichever is less. The sanctioning authority may, however, permit advance in
excess of this limit (up to 75 % of the available balance), in exceptional cases depending upon
the merits of the application.
5. If I am still repaying the GPF advance taken earlier, can I take another GPF Advance ?
One can take another GPF Advance when an earlier advance is yet to be repaid completely.
However, the amount pending from earlier advance and the proposed next GPF advance shall
be consolidated and installments should be re worked and paid accordingly.
6. Is it possible to convert a GPF Advance to a part final withdrawal ?
Yes. A GPF Advance taken can be converted into part-final withdrawal, subject to the fulfillment
of conditions / approval of the competent authority.
7. What is GPF Part-final withdrawal ?
GPF Part final Withdrawal means withdrawal of fund from your savings in GPF Account, for
specified reasons. This amount need not repaid back to your account. The amount withdrawn
shall stand debited from your account forever. Such withdrawals are covered under terms and
conditions as per Rule 15 (1)(A) and (B) of GPF (CS) RULES, 1960.
8. What are the reasons for which GPF Withdrawal can be made ?
One can make GPF withdrawal for the reasons of higher education of self, children, legal
expenditure, expenses towards betrothal, marriage, purchase of consumer durables such as TV,
VCR, washing machines, computers etc. Moreover, withdrawal can also be made for purchase or
construction of house, repairs or renovation of house etc. If the applicant has less than 12
months to retire, there is no need to give any reason for withdrawal.
9. Is there any qualifying service ( or minimum length of service) for an employee to make
withdrawal from fund ?
Yes. As per Rule 15 (1)(A) of the GPF Rules, the applicant should have completed 15 years of
service, or should have less than 10 years to retire, as the case may be for making withdrawals.
10. Are there any chances of making withdrawal even if the applicant does not posses the
qualifying service ?
Yes. As per Rule 15 (1)(B) of the GPF Rules, for purchase of a ready built house/flat, purchase
of housing site and/or construction of a house, repairs, reconstruction of housing property
already owned by employee, and / or for repaying any loan expressly taken for the above
purposes etc. the condition of qualifying service does not apply.
11. Should we submit any utilization certificate or completion certificate after taking GPF
withdrawal ?
Yes. One has to furnish a certificate that the amount withdrawn from GPF have been utilized for
the purpose for which it was taken. In case of failure to do so, sanctioning authority may recover
the entire advance from the pay in one lump, or in as many instalments he decides fit.
12. What is the maximum amount that can be withdrawn from GPF ?
The amount withdrawn from GPF at a time cannot exceed one-half of available balance or six
months pay, whichever is less. The sanctioning authority /Head of the Department may,
however, permit an advance upto 75% of the available balance, in exceptional cases depending
upon the grounds of application. The withdrawal upto 90 % of the available balance is permitted
in case of purchase/construction of house / arranging marriage of son or daughter etc.
13. How the rate of interest for GPF is fixed?
Rate of Interest for General Provident Fund is fixed every year by the Government. The present
rate of interest is 8%.
14. Whether deposits made in General Provident Fund is exempted from attachment?
In terms of Section 60(1) of Civil Procedure Code, 1908 Deposits made in General Provident
Fund has got immunity with regard to attachment under a decree or order of a court of law.
15. Whom should be we nominate for receiving the amount remains in our GPF account after our
death ?
Every government servant should submit nomination in the prescribed form immediately on
joining the Fund. While an employee not having family may nominate any other person, the
nomination should be in favour of family member(s) only in the case of one having family. The
subscriber may provide in the nomination that the nomination shall become invalid in the event of
the happening of a contingency specified therein e.g. a bachelor may nominate his father or
mother. He can specify in the nomination that the nomination will become invalid in the event of
his subsequently getting married. If the nomination is made in favour of more than one person,
the proportionate share in which the amount will be payable should be specified clearly in the
relevant column. At any time, the nomination may be canceled by the government servant.
16. Who are all our family members as per General Provident (CS) Rules 1960 ?
Family includes, spouse, parents, children (including adopted child/ward), minor brothers,
unmarried sisters, deceased sons widow and children and where no parents of the subscriber is
alive, a paternal grandparent.

101. COAL ALLOCATION SCAM - COALGATE

In a nutshell, the coal allocation scam, or Coalgate as it is popularly referred to in the media, is a
political scandal that engulfed the UPA government in 2012. The scam came to light after the
Comptroller and Auditor General of India (CAG) accused the government of India for allocating
194 coal blocks to public and private enterprises for captive use in a flawed, ad hoc manner
between 2004 and 2009.
#2 What did the CAG allege?
The premise of the CAGs argument was that the exchequer suffered a huge loss and public and
private entities enjoyed windfall gains, because the governments policy of allocating coal blocks
was non transparent. It alleged that despite having the opportunity to bring in transparency, the
government did not introduce the process of competitive bidding. It also found that many
politicians lobbied for allotment to certain private players raising questions about crony
capitalism. The CAG also said some private players got more coal blocks than needed for their
captive operations and several companies sold coal meant for internal use in the open market.
Many firms were also found to be squatting on blocks for years on end.
#3 What was the presumptive loss?
The CAG initially estimated a Rs. 10.6 lakh crore loss to the exchequer, but the final report tabled
in the parliament put the figure at Rs. 1.86 lakh crore
4 What was the governments defence?
The government contended that the delay in introducing the auction process was a result of
coalition politics. It also alleged that opposition ruled states opposed the auction methodology.
The government defended its allocation policy saying maximization of revenue shouldnt
necessarily be the governments prime motive, as an auction can lead to higher prices hurting
consumers. Prime Minister Manmohan Singh has rebutted the CAGs report and claims there
was no misdoing.
#5 What has been the fallout?
A complaint filed by the BJP resulted in the CBI initiating a probe into alleged corruption in the
allocation of coal blocks. The CBI has so far lodged 14 cases against individuals and firms
including high profile industrialists like Naveen Jindal and his company JSPL, Kumaramangalam
Birla, Congress MP Vijay Darda and his brother Rajendra Darda, JLD Yavatmal Energy Limited,
AMR Iron & Steel Private Limited, Vini Iron & Steel Udyog among others. The CAG report also
resulted in the formation of an Inter-Ministerial Group (IMG) to decide on de-allocation of coal
blocks that were not developed on time. The IMG recommended de-allocation of 13 blocks and
forfeiture of bank guarantees of 14 allottees including the likes of Tata Sponge, GVK, Arcelor
Mittal, Monnet Ispat & Energy, Adhunik Metaliks etc. A Standing Committee report has
suggested that allocation of all coal blocks between 1993 and 2008 was unlawful, seeking
licenses of those mines where production hadnt started to be cancelled, in effect indicting both
the NDA and UPA regimes.
6 What was Prime Minister Manmohan Singhs role in all this?
Former Coal Secretary P C Parakh who has now been charged by the CBI along with Birla hit
out at the PM last year for overruling his call for auctions and continuing arbitrary allotments of
coal blocks. 142 blocks were allotted during the PMs tenure as Coal Minister. These allegations
emboldened the BJP which has repeatedly demanded the PMs resignation.
#7 What was that brouhaha on the missing files?
As many as 157 files, crucial evidence for the CBI probing the scam, have gone missing
including those containing minutes of screening committee meetings, allocation records etc.
While the coal ministry says it has deposited a bulk of the files with the CBI, reports suggest 18-
20 crucial files still remain untraceable. The CBI has instituted preliminary enquiries into the
mysterious disappearance. Without these files, the probe could be stuck in a limbo.

102. POSSIBLE QUESTIONS ON "NITI AAYOG":

1) Expand 'NITI' in NITI Aayog? - National Institution for Transforming

India
2) Who heads the NITI Aayog as its chairperson? - Prime Minister of
India
3) Government had announced formation of NITI Aayog on?
- 1 January 2015
4) What is the structure of Governing Council of NITI Aayog?
- Chief Ministers of all the States and Lieutenant Governors of Union Territories
5) Who appoints the Vice-Chairperson? - Prime Minister
6) What is the composition of Part time members in NITI Aayog? -
Maximum of 2.They will from leading universities research organizations and other relevant
institutions on a rotational basis.
7) What is the composition of Ex Officio members in NITI Aayog? -
Maximum of 4 members of the Union Council of Ministers to be nominated by the Prime Minister.
8) Who was recently appointed as the Vice Chairperson of NITI Aayog? - Arvind Panagariya
9) Who are the present Ex-Officio Members of NITI Aayog? - Rajnath Singh,Arun Jaitley,Suresh
Prabhu and Radha Mohan
Singh
10) Who are the present Special Invitees of NITI Aayog? - Nitin Gadkari, Smriti Zubin Irani and
Thawar Chand Gehlot
11) Who are the present Full-time Members of NITI Aayog? - Bibek Debroy & V. K. Saraswat
12) Who was recently appointed as the CEO of NITI Aayog? - Sindhushree Khullar

103. SITUATION_BASED_QUESTION_1_RESPONSIBILTY AS A BRANCH HEA :

Jodi tumi kono branch e as a BRANCH HEAD (BH) Posting pao then oi Branch e giei to ar Babu er
moton bose porebna! First e tomak koekta jinis check kore nite hbe, sob kichu thikthak thakle tobei
tumi as a BH charge nebe, chotokhato problem thakle nijei solve kore nebe butt ager BH Jodi kichu
locha pakie rekhe jai ar tumi seta dhorte paro then inform your CONTROLLING OFFICE asap. So
ektu dekhe newa jak ki ki jinis dekhte hbe-
1. Furniture & Fixture Equipment:- Sob kotar Physical verification korte hbe ar Registar er sthe milie
nite hbe
2. Security Printing & Stationery Items:- Demand Draft, Fixed Deposit Reciept egulo Physical
verification korte hbe
3. Loan & Advance Documents Physical verification
4. Equitable Mortgage Register & Documents Mortgage er Title Deed, Lawyers Opinion, Non-
encumbrance Certificate (jetai lekha thak j mortgage newa non-agricuture land er upor oi Borrower
chara ar karur odhikar nei),,,,Eisob kichur Physical verification korte hbe
5. Past Insepction Report Branch Office e majhe majhe ei Inspection hoi ar eta kore Bank er
Insepction Dept er Inspector. Era sobai Officer hoi, keu PO hoe join kre Inspector hote pare. Sei
Inspection er report gulo dekhte hbe & report e jesob fault bereichilo segulo kotota rectify/compliance
hoeche segulo dekhte hbe
6. Branch premises- Branch ta je jaigai ache setar Landlord er sthe dekha korte hbe, Lease
agreement, Monthly rent & aro ja ja docs ache sesob dekhe nite hbe. Kothao nongra hoe thakle,
painting na hole ba kono kichu kaj na korle segulok thik korar initiative nite hbe
7. Instruction Manual & Important documents: Sob branch ei Instruction Manual thak like DEPOSIT
er ekta, LOAN er ekta, PRIORITY SECTOR er ekta erokom. Egulo ache kina sob dekhe nite hbe as
egulo thk onk help pawa jai karon sob kichui prai mention kora thak boi gulote. Egulo chara Important
Circulars, Inspection Manual esob kichu dekhe nite hbe ache ki nei.
8. CashVault- Vault er chabi gulo dekhe nite hbe all ok ache kina like master keys, duplicate keys
etc,,,, Physical Cash mane jeta vault e ache tar sthe System e mane Finacle er Cash ta match korche
kina dekhte hbe, Vault e Gold-Loan er jnnyo jesob sona goina pledge hisabe rakha ache tar packet
gulo check korte hbe
9. Vouchers- Debit, Credit, Transfer jekono typer Voucher and documents gulok 10 years store korte
hoi. Segulo check korte hbe. Echara daily voucher gulok eksthe guchi rakha hchhe kina dekhte hbe.
10. Closing Report - Past quarterly/half yearly closing er sob documents & reports check korte hbe
11. Safe Custody Articles & Branch er sob staff der Service-Record File gulo er physical verification
korte hbe.
12. Jesob boro bor Borrower ache tader sthe jotodur somvob contact korte hbe & jesob CC a/c er limit
Hypothecation of Stock er upor depended,,,segulo k nije gie visit kore Stock statement er sthe milie
nite hobe
13. Jodi Branch e kono Gun thak then setar License tak verify korte hbe and branch er armed guard j
sei gun tak duty hours e retain korche sei registr tao check kore nte hbe
104. SITUATION BASE UESTION LINK NEI KI KRBE:

Common problem rural branch gulote, urban branch o majhe majhe rehai paina. Tumi jano j Link aste
ghonta duek baki, kichu ekta fault hoeche oi area te. Ei muhurte ekjon Customer ese bollo j onar wife
pregnant, hospital e vorti kore eschen, doctor blche age fees then operation, onar instant lagbe
70000/- taka. As an Cash-officer tumi kivabe situation ta handle korbe?
Ans- Link Jodi na thak tahle tomar kichu korar nei karon tumi system on korte parbena jekhane
Customer er signature ta ache. Ebr lokta Jodi tomar porichito hon then tumi hoito oi muhurte hardly
10000/- taka obdhi dite paro (Jodi chenasona hoi tobeiiii otherwise to 1 taka erooo kno prosno
aschena). Jodi chenasona hoi tateo 60000 shortage hobear ochena hole to 70000 i shortage. Tomar
o fault nei as link na thakle tumi ki korbe? Atlast tomak to banking rule menei cholte hbe & tar upor
erokom ekta boro amount. Job er chinta ta to sobsmyii hoi banker hisabe j kokhno case jate na khai.
But ektaLINK er jnnyo ki amra CUSTOMER, His WIFE & Ar ekjon j ai prithibite aste choleche tak
evabe HELPLESS vabe reject korte pari????? No way dear, We are in the age of CORE BANKING,
EMAIL, FB, MESSENGER & WHATSAPP. Rejection age hoto,, we are young bankers association.
Innovative & Tech-savvy hobar jnnyo amra sobar thk egie. So, as an Young, Dynamic Officer ami ki
krbo?
1. Kono ekta URBAN BRANCH/ZONAL OFFICE/ HEAD OFFICE e phone korbo ar bolbo j
CUSTOMER er NAME XYZ, ACCOUNT NUMBER 123, Please amk ai A/c id er Signature ta and
A/c balance information ta computer e khule seta scan kore/crop kore/mobile thek pic tule jekorei hok
na kno amr BRANCH MAIL ID/ EMAIL/ FB MESSENGER e/WHATSAPP e or MMS hisabe send
korun as soon as possible. Jehetu CBS er jug tai jekno Branch thekei CUSTOMER er SIGNAURE
dekha jabe, no problem at all & jake phone korbo take case ta khule bolle se onnyo kaj chere ai kaj tai
age korbe no doubt. Ebar mone e kichu qstn aste pare-
A. Ami to Customer er Signature Card ta physically branch thk khuj e nie dekhte pari Eita korte
minimum 500 yrs lagbe kom kore.
B. Jodi amar mobile e tower na thak? karur na karur to thkbei/ba kono na kono cyber cafe to samne
pbo/ baire rastai kono na kno local publc er kche net pawa jbe/ branch e to manager er computer e
alltym broadband thak. Sob options to aksthe bondho hote pare na. Ichha thakle upai hoi
C. Jodi All India sob branch ei link na thak? Call to your Head Office Data Centre,,ora sob kichu
korte pare,,oder rastai kono badha nei,,erokom case sunle CMD obdhhi help korbe. Data Centre to
bachha.

#######Other Important points:-

A. Suppose subhankar er bou pregnt,,,so subhankar amr kche ekta withdrawl slip or chq likhe
eneche,,,,ami subhankar er sign ta aisob kore match korie nilam ar vault thk ok 70000 taka die
dbo,,,,jokhon link asbe tokhon system e entry korbo,,,,ebr prosno aste pare subhnkr mittha kotha
bolche, o sala 70000 taka nie gelo bank thk,,kono proof to nei amr kche j ami subhnkr k otogulo taka
diechi as finacle e kno entry nei,,,tar mane subhnkr er account debit hoini tao or hat e taka ese
gche,,,fraud case hle o to baire atm thk taka tule nie pore boltei pare j ami.bank thk kno taka nini,,,ei
bipod eranor jnnyo subhnkr bank thk taka nie beranor age or thk ekta declrtn nebo j o or bou er
opertn er jnjyo ai taka taka nie jchhe,,system e or ac debit hoini,,,so o atm thk pore taka tulle bank
ok case die dbe,,purely.emergency te eta kora hoeche,,,declaration er niche cashier ar officer er sign
thkbe,,ekta witness and ekta revenue stamp er upor subhnkr er sign thkbe..done!

B. Ami oi revenue stamp er bawal e nao jete pari,,jodi zonal office/other branch/data centre er
lokjon uncomfortable feel na kore ba aisob jaigai amr kno chena porichito thake then j lok ta
signature ta dekhe dichhe takei bolbo subhnkr er account thk 70000 taka debit kore de,,,tahole ami
100% nischinto thaklam j oisob declrtn er jhamelao thaklona, customer takao pelo, account o debit
holo, amr job o secure thaklo and last but not d least subhankr baba o hoe glo,,,,,kintu generally
voucher.na dekhe keu easily account debit korte chaina tao onnyo branch er,,eta ekta boro liabilty
hoe jbe,,jodi bondhu bandhob thak then alada bpar otherwise oi declartn er rasta tei hat te
hbe,,,,main kotha ai hochhe duto options,,jeta kaj lage r ki....

C. Je signature dekhe amak debe se to account debit kortei pare as eta cbs but se korbena karon ete
chap ache,,bahut chap ache,,,ami amr bndhu k ph kore bllam signtr patha, ac debit kor,,,se valo
manuser mtn kore dilo,,,pore dekha gelo ami.nij ei ekta fraud,,,oi taka ta ami.nie niechi,,,amr to
chakri jabei,,songe bndhu tar o jbe,,ok show cause krbe j tumi sala voucher na dekhe debit marte
gcho kon dukkhe,,sokal sokal ganja mere bank e gchile???? this is called the RISK associated with a
FINANCIAL INSTITUTION,,,LOVE hote pare BLIND but in a BANK never trust anybody
blindly.........Asole CBS USER duto typer hoi CAPTIVE & FREE,,,,amar bndhu CAPTIVE USER hole se
or.nijer branch chara onnyo kono.branch er account DEBIT marte parbena,,eta ekta restrictn,,,but
FREE USER hole parto,,,,ami nij ei ekhon CAPTIVE USER as amra banking e.bachha,,tai jate keu
amader finacle id tak misuse korte na pare

105. SITUATION BASE UESTION HO O OU INCREASE OUR BRANCH BUISNESS:

Ans. As an Officer/PO/Branch Head (BH) first j kothata tomak mathai rakhte hobe seta holo j tumi
OFFICER ar baki ra CLERK- ai mentality theke sore aste hbe. You are only a TEAM-LEADER &
People do not work UNDER YOU; They work WITH YOU. Jokhon ai quality ta developed hoe jabe
then tumi business baranor kotha vaba suru korte paro. Kivabe? Dekha jak-
1. Branch er business barate hole first j jinis ta dorkar seta holo co-workers der motivate kora ar
branch er mddhe ekta positive atmosphere toiri kora jate keu ei kothata na bole j Nahh parbona mne
hchhe!. Er jnnyo first dorkar discipline & punctuality. Dhoro branch er sob staff ra 10.30-11.00 tai
asche, okhanei to customer service er gusti uddhar hoe gelo, mal gulo sob boyosko, tmi bolleo sunbe
na, ekta kaj koro- tumi daily 9.30 er mddhe branch e dhoko & 9.45 thekei eksthe 2-3 te counter
handle koro like token issue, passbook, payment etc., dekhbe 1-2 month er mdhhe bakira lojjai time e
ese tomar kaj e help korche atleast 5 joner mdhhe 2 jon to korbei, karon kichu harami chirokal haramii
thak. Eta bollam karon ami nijei age roj 10.15 tai dhuktam, amar Manager roj 9.25 e ese jeto, onak
dekhe lojjai ekhon 9.55 ei pouche jai, chokkhu lajja bole ekta jinis ache to!. So Attendence with
Punctuality is the most imp factor.
2. Ebar jokhon dekhbe sobai motamuti line e ese gche then nijer Manager er Cabin e thutto jogonnath
er moton bose na theke deho tak ektu norie baire ghure ghure dekho j k kirokom kaj korche, customer
der sthe interaction kro, tate j counter samlachhe tar o ekta voi thakbe j manager amak watch korche.
Erokom koekdin watch korar por tumi bujhe gele j k kon kaj ta valo krche, so divide all the duties
accordingly to extract maximum productivity. Ekjon taratari cash gunte pare ar tak tumi passbook
update korte bosale, tahleo to tomar branch upor e uthe jabe! Tai Managerial judgment ta khub dorkar
ekhane. But ekbar job assign korar por 6-9 month ontor duties/jobs roation o korte hbe jate sobai sob
rokom kaj e paka pokto hote pare.
3. Fisrt Counter tai ekjon knowledgeable, polite & smart staff k bosao & use that counter as a May I
Help You Desk. Obossoi erjonnyo sufficient no of staffs dorkar jeta Head Office k take care korte
hbe.
4. Branch er somosto important customer der name listed out kore rakho with mobile number,
Important mane not necessary tar kache taka er godown thakte hbe. 3 different te Class e divide kore
like Hevvy Borolok, Medium Borolok, Chunoputi (Eder kache mal kori kom thakte pare but erai
maximum customer tante help kore karon eder number ta besi).. Majhe majhei phone e contact rakho
eder sthe. Ederk majhe moddhye branch e dako jokhon kaj kormo er pressure kom thkbe, tea biscuit
khawao, chinta nei bill ta bank er a/c debit korei hbe.
5. LAUNCHING NEW PRODUCT / SCHEME -
Kono notun scheme ba product (both for deposit & loan products) launch korle ekta boro flex/banner
banie branch er entrance e jhulie rakho and tate oi scheme er main TRP ki ki segulo mention kora
thakbe only, jeita onnyo sob bank er product er theke tomar ai product/scheme tak aro attractive kore
tulbe. Like ekta scheme berolo Loan er jerokom PNB SUBIDHA HOME LOAN SCHEME, onnyo
bank ero to home loan scheme ache abr intrst rate o kom dchhe onk bank, to lokjon ai scheme e PNB
thk HOME LOAN nebe kno? Karon ai schme er ekta IMPORTANT FACILITY holo j NO LOAN
PROCESSING FEE. Dhoro ekta 25 lakh er home loan e processing fee lagto 25000 taka, seta puro
baad ai scheme. So this is the TRP, Ar kichu thakuk na thakuk oi flex er mdhhe ai point ta jate boro
boro horof e lekhe thak. Echara ai scheme tar onkgulo choto choto catalogue typer banate hobe ar
segulok branch er fisrt counter i.e. May i help you counter e rkhte hbe jate customer der k ogulo on
arrival dewa jai & er sthe bank er niche paan er dokan, misti er dokan eo eirokm 50-100 ta catalogue
sajie rekhe dte hbe jate keu paan, misti kinte ele ei jinis ta chokhe pore & drokar porle catalogue gulo
bari nie jete pare. Amar sob important customer jader mobile number er list banie rekhechlm sobaik
phone korbo ar scheme ta bikri korar ba convinced korar amoron try korbo eita person to person er
marketing capability er upor depend korbe. Eisob er sthe sthe as a Officer tumi bank er niche Camp
organize korte paro jekhane customer der age thekei invitation janano hbe through
corporation/municipality/panchayat/local offices - jar dara ai scheme tak tumi launch korbe, ete sobaik
er subidha gulo bolbe, public awareness onk barbe. Aisob camp e tumi Zonal Manger, Lead District
Manager, Local PS er Officer Incharge k invite korte paro, tahole lokjon er vir aro barbe & bparta onk
sajano gochano hbe.
6. Tomar special & credit worthy customer der sthe tomar front-line staff der intro korie dao, ete
overall communication onk better hbe karon tumi tomar important customer der service dewar jnnyo
sob somoy present nao thakte paro.
7. Single Window system k 100% implement korte hobe maximum productivity & best customer
service achieve korar jnnyo, Single window te ekjon SWO thakbe j eksthe sob kaj korbe like
passbook, payment, receive, chq book, atm, neft, rtgs etc. Ete customer rao khusi thakbe j tak ekta
kaj er jnnyo ekta INDIVIDAL counter ei ghontar por ghonta darie thakte hbena ar!
8. Ekta Branch level Customer Service Committee banate hobe jetai Branch Head, Assisstant
Manger & Customer der torof thke representatives thakben from various fields like pensioners, senior
citizen, shg, student, minor, illiterate etc etc. Month e atleast ekbar meeting kortei hbe jekhane branch
er service related sob merit-demerit, satisfaction-desatisfaction, difficulties/ problems faced,
improvement measures nie alochona kora hobe. Ete Customer relationship 200% improved hobe.
9. Staff der mddhe positivity ante hole each and every Saturday nijeder staff der mddhe ekta meeting
korte hbe jekhane cbs related, cash related security issues, new circulars & HO/RBI er latest guidlines
nie discussion hbe, each month e business kirokom hlo- barlo na komlo, barle aro kto barano jai &
komle keno komlo, ki korle barbe esob nie alochona hbe. Ete overall knowledge gain to hbei plus
nijeder mdhhe co-operation tao barbe.
10. Jesob Staff valo kaj korbe tader sobar samne prosongsa koro,,ar jara faki mare taderk khisti na
mere nijer chamber e deke frankely but khub buddhhi kore bojhate hbe
11. Eta bolai bahhullyo j house keeping & branch er interior and exterior er decoration sob somoy up
to the mark thaka uchit jate lokjon tomar branch e aste baddho hoi. Branch er condition mora er
moton thakle jotoi service dao kichuuuu hobena!
12. Tachara majhe majhe branch e valo tiffin & lunch er arrangmnt korte hbe karon sudhu kaj korlie
hobena, amra manus, tai ektu refreshment, hasi, iarki o lage.....

106. SITUATION BASE UESTION 4 HO O OU ANAGE OUR RURAL OSTING:

Ans- Rural-Posting ai duto word i manuser life hell kore dewar jnnyo jothesto & er thk intrvw teo onk
cross-question raised hoi. Let us discuss sumthng abt Rural Posting of an Entry level Bank officer-
1. According to Government of India guidelines, tomak minimum 2 years rural branch e service korte
hobe for next promotion that is Scale-2 Manager
2. Interview ask korte pare j rural e dile kanna korbe nato? Then kichu boro boro batela marte hbe
jerokom-
A. Amar main motive hchhe public k service dewa & amar mone hoi j ekta gram holo er jonnyo
adorsho jaiga karon charity jerokom nijer ghor thekei start hoi thik serokomi public-service tao abr
Indian public-service suru hoi farmer/agriculturist der serve kore as amader economy er base holo
agriculture & rural banking er through die ami amr desher economical growth er sthe nijeke direct
involve korte parbo. Jawaharlal Nehru nijei bolechilen j if agriculture doesn't go right nothing else will .
B. Rural e kaj korle ami onk kom din er mddhe agriculture, retail & MSE sector ai 3 te eri exposure
pabo but urban/semi urban branches e ei sujogta comparatvly less as urban branch e mainly amak
ekta particular segment dekhte hbe say Deposit or, Credit or, Pension etc etc. But Rural e at a time
ami onk dept er exposure pbo as kaj er chap kom but variety besi, so overall development ta onk besi
hbe rural branch e.
C. Rural- assignment er experience future e aro high level er Agri/MSE Loan processing korte amak
help korbe.
D. Rural er Customer ra maximum illiterate, so amar first duty hobe to make them understood what
does a bank do, benefits of savings & different fd/rd accounts rather than keeping money in any chit
fund. I will assist them in filling up the vouchers, will prepare some instruction manual and egulok
branch er vitore er wall e lagiye rakhbo jekhane local language e lekha thakbe how to fill up
forms/documents/vouchers with photo-animation to make it interesting, Importance of KYC, Safety
regarding ATM/ E-BANKING/ M-BANKING/ Fake Currency Notes/ Forged Signatures etc, Benefits
under PMJDY, BCSBI er instruction gulo like kon kaj korte koto time lagbe e.g. making dd- 15 mins,
passing chq- 10 mins, opening accounts- 30 mins etc, Banks new Deposit & Credit Schemes.
E. Month e ekbar kore FINANCIAL LITERACY Camp organize korbo with the help of local
administrative office. Amar branch er service area er mddhe j kota village pore segulote gie ai camp
organize korbo & banking er benefit gulo non-banking mane ekdom pati laymans language e local
people der bojhabo & will make sure that era jeno ese finally amar branch a/c khule branch er casa
deposit barai.
F. Local business man der cash credit facility die tader business aro expand korate help korbo , area
er sob SHG gulok promote korbo credit facility die. Amar main target thakbe kisan credit card, waivers
credit card, crop loan & loans related to agriculture, Micro & Small Enterprise Loan etc. Specially
jesob sector gulo least developed ogulo diei start korte hbe. Ami esob i korbo but obossoi according
to my banks circulars & guidlines.
F. Jehetu gram er manus er financial literacy ta ektu kom tai rural customer handle kore ami j
experience ta gain korbo seta future e amar customer management skill tak onk tai better korbe.
G. Amar final target ektai thakbe j ai branch e amr working period er mdhhe jeno amar service area er
sob kota family directly/indirectly bank er sthe involved thak.
3. Aro ekta problem ache Jodi outside Bengal er rural posting pao i.e. Language/Cultural mismatch.
But er thekeo bachar upai ache-
A. Language problem to state er baire paa rkhlei face korte hbe, rural e aro besi, PO is an all india
post so esob vebe luv nei, sikhte tomak hbei. First branch er ekjon er sthe valo kore bondhutto kro je
alpo solpo bangle/English/hindi bolte pare, jokhoni kono customer ese local lang e vat bokbe then call
that person and ask him j custmr ta ki blche, erokom kore 15-20 din katao. Er po bank ses hoe gle 30-
45 mins oi lok tar sthe bose local lang nie tmar ja ja query ache solve koro. Local lokjon, dokan,
restaurant er sthe alap porichoy barao, Local/Regional news channel and newspaper poro. Vanga
vanga jotota paro new language bolar try koro. Lokjon ki vablo dekhte hbena, just etai dekho j
customer tomar kotha kotota bujhte parche, kothai khamti royeche dekho. Aivabe 2-3 month tumi
sikhe jabe motamuti local lang, hoito fluent noi but custmr k convicned korar mtn hoe jbe.
B. New culture er sthe match khete gele melamesa barao ntun jaigai, bndhu banao, local festival
gulote active vbe participate koro, kono occasion e invitation dao, ar invitation pele to kotahi nei-dour
lagie jete hbe. Jto paro para protibeshi der snge vab jomate hbe
Eisob korei motamuti rural posting katate hbe........

107. SITUATION_BASED_QUESTION_5_MANAGER IS NOT WORKING KI KORBE:

Manager kaj na krle ami to onak kichu direct blte parbona as uni amr thk age,exprnc,designtn sob dik
thekei senior person,,,he or she will guide me as i will be an infant in banking after joing,,,i hv to learn
many thngs both theortcl and practcl aspects from him/her,,so if my manager is not wrkng,,then i will
defntly try my level best to make him work in my own way,,,like evrythng will be new to me,,or may b
after sum yrs of servc i will nt b able to knw everythng,,atleast upto that level of my manager,,,i will go
to my manager's cabin in every 30 mins interval to know that Sir eta ki vabe hbe, ota ki vbe hbe, eta
kno erkm hbe, orkm kno hbena, ai concept ta ektu layman's language amk bujhie din,,,,thus i would
be able to increase my knwldg as well as i will make my manager working without creating a hostile
relation with him rather it will improve our relation.

108. DRUNKEN CUSTOMER K PAYMENT:

Fit thakle paymnt korte paris,,gram e gonje gele erkm onk maal pbi,,bangla khabar jnnyo taka tulte
ase but matlami krle cholbena,,,,if u find him mentally fit then u can pay,,,contract act atkabena but
se jodi addicted hoi tahle kokhnoi noi.

109. ICICI v/s SBI v/s UBI:

Differences in Lending/Loan processing approaches like

ICICI- Industrial Credit

SBI- Retail Credit

UBI- Agriculture Credit

110. FUNCTIONS OF BANKING BUSINESS CORRESPONDENTS (BC):

1. Create awareness about savings.

2. Give advice to villagers, about how to save/invest money and how to arrange/manage loans.
3. Help the villagers to open bank accounts.
4. Collect loan applications, forward them to bank.
5. Preliminary processing of loan applications for example: verification of persons identity, home-
address etc.
6. Help the Self Help Groups (SHG), to get loans.
7. Help the bank to collect EMIs and recover loan money.
111. MAKE IN INDIA CAMPAIGN SUMMARISED OBJECTIVE:

Make in india campaign mainly prpose kora hyche for two reasons- to reduce current account deficit
and to prevent reduction in foreign reserves.. make in india r mdhye manufacturing in india and
more use of domestic products ta pore... tate import ta kombe ,export barbe tate foreign reserves o
barbe and current account deficit ta kombe..

112. SOURCE OF NABARDS FUND:

Main resource hlo RIDF - Rural Infrastructure Development Fund ,,,,bank gulo ps lending er target
fulfill krte na parle shortfall amount ta RIDF e rakhte hoi ,,,,echara NABARD bond issue kore ,,,Central
Govt & RBI er thk borrow kore,,,,eiguloi main source NABARD er capital ,,RIDF ta direct NABARD er
supervision ei thak

113. JOBS & RESPONSIBILITIES OF A BANK-CLERK:

Most Important JOB/DUTY of a CLERK is to attend each and every customer with a smile and to
guide them where to go or, whom to meet for different kind of problems . Ekta jinis mathai rekho j
CUSTOMER jokhon Bank e dhok then tak BRANCH-MANAGER attend kore na,,,kore FRONT DESK
CLERK ra,,,So CLERK hochhe ekta BANK-BRANCH er VABMURTI ba inggrizzi te
REPRESENTATIVE OF A BRANCH - Clerk Jodi Customer k galagali kore then hazar gun valo
MANAGER o konodin BANK BUSINESS k INCREASE korte parbena. So,
Dont Underestimate the Power of a Bank-Clerk
OFFICER & CLERK ai dui projati er prani er mddhe ektai difference-
I) CLERK always je kno FINANCIAL TRANSACTION k system e ENTRY kore i.e. A CLERK acts as
a MAKER whereas,
II) An OFFICER always je kno FINANCIAL TRANSACTION k system e VERIFY kore i.e. An
OFFICER acts as a CHECKER.
Example hisabe bola jai j ekta CHEQUE esche payment er jnnyo, so CLERK samner desk e bose oi
CHQ tak FINACLE e entry korlo (Entry means Customer account theke DEBIT -/CREDIT + hobena).
Erpore CHEQUE ta OFFICER er kache gelo, tini signature & other necessary field gulo CHECK kore
system e oi transaction tak VERIFY korben i.e. Customer A/c DEBIT or, CREDIT hobe.
So eta bojha gelo j BANK ER JEKONO TYPER TRANSACTION ALWAYS 2 JONER UPOR DIE
JETEI HOBE.
Details job e dhokar age PSU Bank e CLERICAL GRADE er Promotional-Hierarchy ta dekhe newa
jak-
1. SWO-A (Single Window Operator A) - Entry Level e ei Post e dhukbe sobai
2. SWO-B (Single Window Operator B)
3. HEAD CASHIER I
4. HEAD CASHIER II
5. SPECIAL ASSISTANT (Clerk er highest Designation)
Now, point e aschi i.e. Detailed Job-Profile of a SWO-A
1. Token Issue kora jesob branch gulote token er jnnyo machine nei specially rural branch e.
2. Passbook uptodate ei kaj die sobar hatekhori hobe bank e.
3. DEBIT (Bank Account theke taka tola or, Withdrwal) Voucher gulok Entry kora.
4. CREDIT (Bank Account e Taka joma dewa or, Deposit) Voucher gulok Entry kora.
Jodi j Head Cashier taka joma nichhe se computer na jane or, voucher system e marte icchuk noi
erkm case hoi otherwise head cashier taka joma nebar songe songe voucher system e mere account
credit kore dei,,,kintu agei bolechi j jekno transctn dujoner upor die jai,,tai account e taka joma pore
geleo oi TRANSACTION ID tak arekbar finacle e verify krte hbe,,seta SWO krbe,,,etao bole di j bank
er jekno transaction er ekta reference ID thak,,jeknoo transctn ei,,,ekhane oi ID tar kothai bollam,,voy
pawar kichu nei...
5. CASH COUNTER- Boro soro kaj,,both Cash Payment & Reciept ei boste hote pare.
6. GENERAL BANKING- (Sob kichu kintu entry level obdhi):
I. ACCOUNT Opening (Savings/Current/FD/RD/Term Loan/ Demand Loan/ Overdraft/Cash Credit)
II. KYC Entry
III. NOMINATION Entry
IV. RTGS/NEFT
V. ATM CARD Issue
VI. CHEQUE BOOK Issue
VII. DEMAND DRAFT Making & DD Printing
VIII. FIXED DEPOSIT Making & FD RECIEPT Printing
IX. GOVERNMENT BUISNESS (Mainly Pension)
7. VOUCHER MAKING- Daily Bank er Internal kaj er jnnyo prochur voucher banate hoi seigulo
banao.
8. OTHERS- Any kind of job assigned to him by his/her Senior Official (Clerk or, Officer).
##### jene rakha valo
Ekta kotha bole dichhi j SWO-A theke suru kore OFFICER obdhi sobari ekta SANCTIONED
LIMIT/AUTHORITY/POWER ache mane dhoro ekjon SWO-A chaile kono Customer Account k Upto
Rs. 10,000/- obdhi DEBIT (-) marte pare ar SPECIAL ASST/HEAD CASHIER/OFFICER er POWER
ta obviously onk tai besi thak. But DIRECT-DEBIT always risky as j debit marbe tar LIABILITY or,
DAITTYYO 200% bere jai,,,kichu gondogol hole oi beta er gola tipbe sobai,,but ENTRY & VERIFY
stage die je kono TRANSACTION hole seta dujoner chokh er upor die jachhe tai vul hobar chance tao
onktai kome ase. So, after entering in Bank always try to avoid Direct-Debit except in some special
cases but that too with extreme and utmost care.

114. FRE UENT UESTIONS IB S CLERK 4 INTER IE :

I). IBPS-PO Clear korecho?

Ans- Chokh nak kan aro ja ja ache sob bondho kore ans hobe NO- keu jante aschena tumi PO clear
korecho kina. Cause ask korle bolbe sectional clear hoechlo but overall hoini- ete subidha hobe j
tomak particular kono subject nie chatte parbena. Ar keu Jodi life e adventure pochhondo koro then
YES bolte paro but tar por oi question ta Agni-5 er moton tere asbe tomar dik j PO pele CLERK
chere dbe? etak samlano bipod hobe as tumi jai bolona keno onara convinced hoben na ar direct
Jodi bole dao j clerk chere debo tate abr honesty er bodole boro soro case khete paro. Better to avoid
these complications & say NO but facial expression jate tomar ans er sthe match kore, tumi Jodi NO
bolar por mone mone vabo Ebaba mittha kotha bole fellam!,,tahle panel tomak songe songe dhore
nebe ar tate bipod aro barte pareSo, choice is yours! Mitthya bolbe but smartly, bank e dhuk lok er
chokhe chokh rekhe erokm bahu kaj korte hbe tai ekhn thekei practice e thaka valo.

II). Why BANK-CLERK?

Ans- PDF e je ans ta ache why banking er otai ghurie firie bole debe plus nijer personal kichu
motamot thakle alwys welcome. Bolbe clerk hisabe join krleo tomar long term goal holo officer howa
ar seta tumi jaiib, caiib clear korle aramse 3-4 yrs er mddhe hoe jbe. Ultimate goal hochhe bank e
dhuk service dewa ar jehetu sobai Infant/Baby in Banking Industry tai better to start from grass root
level i.e. CLERK,,,,Sob concept aste aste grow korbe ar jokhon tumi officer hoe lead korbe then keu
tomak boka banate parbena as clerk hisabe tumi branch banking tak valo moton ropto kore niecho
(B.Tech & Tech student der jnnyo valo point). Er sathe Clerk er JOBS & RESPONSIBILITY te j
CLERK as a REPRESENTATIVE OF BRANCH er bparta bolechi otao explain kore debe. Say, You
want to be the Face of your Branch. Jodi tomader chena sona keu thaken jinni Clerk to Officer hoe aj
valo jaigai achen onar inspiration tao bole debe & obossoi tar details ta jene nebe j kon bank, kon
branch, present scale & designation, uni tomar k hon like parents, uncle, neighbour etc etc. Thats all.

III). How does your ENGINEERING will help us?

Ans- ENGINEER der opor name MULTI-TALENTED, Being a SWO tomar first kaj hobe counter e
bose energtc and polite way te fast, flawless various kaj kora that is MULTI-TASKING. Engineer der
theke eta valo kore k jane jara per semester almost 9-10 ta paper er exam dieche both theory &
practical. Echara PDF er points gulo bole debe plus nijer jar jar personal opinion gulo. CUSTOMER
RELATIONSHIP MANAGMNT nie ektu porasona kre nio.

IV) Are not u OVER-QUALIFIED for the POST of CLERK?

Ans-
I. May be B.Tech/M.Tech/M.Sc/MBA is a professional course but degree is not every thing, kaj korar
jonnyo jeta dorkar seta holo kaj korar ICHHA or, DEDICATION & WILLINGNESS TO DO A JOB
&&& ami jani eta mar mddhe ache. Ar tomar Degree kivbe bank e kaj aste pare alpo solpo vatie dio..
II. Kono post k ami choto boro hisabe dekhina. Kaj holo kaj it may varies according to its TYPE but
not like CHOTO or BORO / CLERK or OFFICER,,,Every PROFESSION has its own respect, i do
believe in this theory.
III. Er pore karur ekta example die dbe j clerk thk officer hoe senior manager/chief manager/agm hoe
ache (if possible),,,,abar oitai bole dbe j ki kore 3-4 yrs e offcr hoe jbe ar sob kichu first theke sikhte
parbe jeta future e onk help korbe....THEN YOU WILL NOT ONLY BE AN OFFICER RATHER YOU
WILL BECOME AN "HIGHLY- EXPERIENCED" OFFICER Having Knowledge of Everything i.e.
FINANCE, BANKING, HUMAN RESOURCE MANAGEMNT, OPERATIONS, HOUSE KEEPING,
CUSTOMER & STAFF MANAGMNT etc

115. SUKANYA SAMRIDHI YOJANA

This small-deposit scheme is subpart of Beti Bachao campaign.

(Minor) bank account for girl child below the age of 10.
She can withdraw 50% of the money after reaching age of 18 e.g. for higher education. 18
years deadline will also help preventing child-marriages. (Although scheme is silent- on whether
account money will be forfeited if child marriage done.)
For initial account opening, minimum deposit Rs.1000 required.
Later, any amount in multiple of 100 can be deposited, but maximum Rs. 1.5 lakh per year.
Interest rate: 9.1% compounded annually. No income tax for this year.
Account can be opened via post office or commercial banks, Account will remain operative until
she reaches 21 age.
Why in News? Modi launched this scheme in January 2015.

116. LATEST MONETORY CHANGE BY THE RBI

The Reserve Bank of India held interest rates steady at 7.75 per cent on Tuesday after easing
monetary policy just three weeks ago, leaving its next move probably until after the government
presents its annual budget at the end of this month.
Instead, the RBI cut the statutory liquidity ratio (SLR) - or the amount of bonds that lenders must
set aside - by 50 basis points to 21.5 per cent of deposits from the two-week cycle starting on
February 7 in a bid to spur banks to inject more credit into the economy.
Most economists polled by Reuters had expected the RBI to keep its repo lending rate steady,
and reduce rates later so long as the budget, due to be unveiled by Finance Minister Arun Jaitley
on February 28, does not disappoint.

117. OVERVIEW OF INVESTMENT BANK

Investment bank : A Financial Institution jeta individual,corporate othoba govt ke help kore fund
raise krte ..either by unwriting or acting as client agent in the issuance of securities(or both).tachar
eta bank gulo ke merger ,acquisition e assist kre..tacharao market making,trading of derivatives &
equity securities & ficc services(fixed income instruments,currencies & commodities) egulo
investment bank er function.

118. PRODUCTS OF BANK

Mainly 4 types of Product hoi ekta Commercial Bank er

1. DEPOSIT PRODUCTS: -
Different Schemes of Savings, Current, Recurring & Fixed Deposit Accounts of a Bank. Eta
Bank to Bank vary kore. As an example in UCO BANK, amader kichu Deposit Product er name
holo-
A) Savings Deposit Product-
i. UCO SARAL SAVINGS SCHEME
ii. UCO SUVIDHA SALARY
iii. UCO VEER SHAKTI for Armed Forces
B) Current Deposit Product-
i. UCO CARE.
C) Cumulative Fixed Deposit (CFD) Product-
i. UCO KUBER YOJONA
ii. UCO DHANVARSHA
iii. UCO DHANLAXMI
C) Recurring Deposit (RD) Product-
i. UCO DOUBLE
ii. UCO SUNSHINE
iii. UCO SOWBHAGYO
iv. UCO LAKHPATI
Different Products er different Features, Interest rate & Facility,,Customer bujhe tomak gochate
hbe. Tmi jdi 24 yrs er chele k UCO VEER SHAKTI er under e Account khulte bolo tahole hoe
gelo sorbonash! Offer him a lovonio scheme like UCO LAKHPATI - Recurring, ete per month
550/- taka kore dao & 10 Yrs e tomar taka 1 lakh er ektu besiii hobe OR, UCO DOUBLE CFD
offer krte paro jate 94 months e tomar full amount ta double hoe jbe. So puropuri eta tomar upor
depend korbe. Being an front line official you have to market your Banks Product. It will help you
to increase your Branchs CASA Deposit.
Eirkokom different BANK jerokom SBI, PNB, BOB, BOI er different DEPOSIT PRODUCTS
ache. Majhe majhe tomra TV te ba rasta ghate poster e, bank er vitore er banner gulote,
newspaper e dekhtei pao....Thats all about Deposit Products.
2. RETAIL PRODUCTS:-
Ebar ese gelam Loan er mddhe. Direct line ei aschi na bhatie. Retail Loan er mddhe porbe-
I. HOME LOAN
II. CAR LOAN
III. EDUCATION LOAN
IV. TWO WHEELER LOAN
V. PENSION LOAN
VI. GOLD LOAN etc.
3. PRIORITY SECTOR PRODUCTS:-
Retail Products er sob kotai ei PRIORITY SECTOR -LENDING er under eo porbe but oi kota
charao aro kichu Products ache jegulo PS_LENDING er mddhe pore but not in RETAIL
SECTOR, tar moddhe kichu kichu holo
I. MSME LOAN
II. COMMERCIAL VEHICLE FINANCE
III. KISAN CREDIT CARD
IV. WAIVERS CREDIT CARD
4. TECHNOLOGY PRODUCTS:-
Eita to more or less sobai janei. Er moddhe porbe
I. DEBIT CARD:
Both Personalised (Jegulo normally use kori amra) & Non-Personalised Cards (Eigulote
Customer er Name, Photo, Signature thakbe but ei Card gulo pete hole kichu criteria fulfil korte
hoi like Average Account Balance, Minimum Balance maintain korte hoi etc etc,,jara korte pare
tara apply korle pabe). Ei Card gulo VISA, Ru-Pay ja khusi hote pare but main holo DEBIT-
CARD is a Tech. Product.
II. MOBILE BANKING
III. INTERNET BANKING
IV. RTGS
V. NEFT
VI. DEMAT i.e. E-TRADING of SHARES
VII. E LOBBY:
Electronic Kiosk typer jekhane Customer nije theke gie Cash Deposit, Cash Withdrawl, Cheque
Deposit, Passbook Printing etc etc kaj korte pare.

119. SHG SELF HELP GROUP

Boi te ja porecho seigulo kichukhoner jnnyo matha theke bar kre, dao. Ekdom khati banglai
likhchi. Eita ektu poro...
SHG (SELF HELP GROUP):-
Rough idea ekta sobari ache tao ektu chotto kore features gulo dekhe newa jak-
A. Ideal no. of Members = 10-20 Nos.
B. Homogenous Group = Either group er sobai MALE hobe or, sobai FEMALE hbe,,chele meye
eksthe cholbena,,sekhane financial inclusion er bodole prem amar suru hoe jbe. Statistics bolche
j FEMALE group er Performance opekkhakrito valo MALE der thk.
C. 1 Member / Family = 1 ta family theke keu ekjoni ekta particular SHG er member hote parbe
D. 1 Particular Person only in 1 SHG = 1 jon lok say Raju kebol matro ekta single SHG er say
RUPA SHG er Member hote parbe,,se onnyo ekta SHG say RAGHU SHG er Member hote
parbena.
E. Same Socio-Economic background = Sob Members der auwkat jaate same hoi keu jate boro
baper beta na hoi. Sobar mddhe valo coordination o thaka chai nahle kelakeli lege jbe.
Ebar dekha jak era actually ki kore, ba amra hothat kore egulo nie porchi keno & bank er sthe
eder kirokomer somporko?. One by one aschi.
1. First Step GROUP FORMATION:
Upore je kota features ami bollam segulor sthe STRICTLY match korie ba, manie nie first e 10-
12 ta lokjon jogar krte hbe, hoe gelo Group toiri.
2. Second Step
MEETINGS, RECORDS & REGISTERS:
Sudhu group banie bose ki hbe? Kushti khelte to keu namchena so, do something Productive!
Group toiri hobar por Daily Basis e or Atleast ekbar per Week e MEETING arrange korte
hbe. Seta jekno member er barite , rastai, mathe ghate jekhane ichha hote pare. But prosno holo
ei meeting gulote hoi ki?? Maidan cholo to ar hoina. So, ekhane jeta hoi seta hlo sobai nijeder
mddhe nijeder subidha-osubidha, motamot gulo alochona kore, prottyek member tar saddhyo
moton joto taka jomate pare may be 10-20 takao........ei taka gulok sobai eksthe ei meeting
gulote joma dei. Say 10 ta members ache ,,sobai 20 taka kore dileo (20*10)= 200/- taka
hobe,,gram e gonje ei taka tai onkkkk. So eto kichu j hobe seta to ar mukhe mukhe hote parena!
Er jnnyo maintain korte hoi ekta REGISTER . Ei Register er mddhye (Date of Meeting - Place of
Meeting - Meeting e present each and every members der Name Signature Meeting e ki ki
topics nie discussion hoeche Group er sobar sommoti nie ki ki decision newa hoeche) esob
lekha thak, eita SHG gulok STRICTLY regular meeting basis e maintain korte hoi. Ei Register er
eto kichu INFORMATION gulok k eksthe RESOLUTION ba, PROCEEDING o bola hoi. Sobiii
to bojha gelo but ekhono ekta prosno ache j oi Members der joma kora Rs. 200/- ta kothai jabe
ba, k hold korbe????
Baessss,,,eikhanei Entry mere dilo amader PUBLIC SECTOR BANK
3. Third Step OPENING BANK ACCOUNT:
Jekhanei savings seikhanei bank but SHG account open korar kichu rules ache jerokom-
I. REGISTER of RESOLUTION First & most important j jinista lagbe seta holo SHG er
Resolution er ekta Xerox copy and oi Resolution e lekha thakbe j SHG er sob Members ra mile
thik koreche j STATE BANK BANK OF INDIA , BASIRHAT BRANCH e SHG er NAME e ekta
account open kora hbe, Jodi SHG er name hoi AJANTA SHG then Bank Account er name o
hobe AJANTA SHG, aro lekha thakbe j - kobe , kothay ai meeting ta hoyeche jeta howar somoy
ai Resolution ta newa/banano hoeche. But abar ekta prosno ese gelo j SHG te to 12 jon
Member!, Taka joma dite problem nei but withdraw korte ele ki 12 jon ki aste hobe????
Nopesss..kokhoni noi,,ei problem theke bachar jonnyo oi SAME MEETING ei GROUP MEMBER
ra 3 JON MEMBERS (maximum time e 2 jon i hoi) der NOMINATE korben jader modhhe ANY
TWO, ON BEHALF of the SHG, ALL BANKING TRANSACTION gulo korben- starting from
ACCOUNT OPENING to EVERY FINANCIAL TRANSACTION in future. Ai kothata tao
RESOLUTION e PORISKAR MENTION kora thakbe. Ai 3 jon ELECTED MEMBERS der
normally DESIGNATION dewa hoi PRESIDENT, SECRETARY & TREASURER....Generally
PRESIDENT & SECRETARY i sob transaction kore. Ai 3 joner NAME, DESIGNATION & enara
sob Group members der sommoti te ELECTED hoechen eta oi RESOLUTION e CLEARLY
mention kora thakbe. Another Important point j SHG er name e ekta RUBBER STAMP SEAL
thakte hobeiiiii jeta onekta erokom dekhte hobe j PRESIDENT/AJANTA
SHG,,,,,SECRETARY/AJANTA SHG,,,,,TREASURER/AJANTA SHG.....SOB KOTA
RESOLUTION, FINANCIAL TRANSCATION, APPLICATION, ACCOUNT OPENING FORM,
SIGNATURE CARD e EI RUBBER STAMP gulor upor e ai 3 jon nijeder SIGNATURE
korben,,,,without RUBBER-STAMP we will NOT ACCEPT any kind of SIGNATURE...Onk somoy
FIRST TIME ACCOUNT OPENING ER TIME AI RESOLUTION e BDO - BLOCK
DEVELOPMENT OFFICER ba GRAM PANCHAYAT SECRETARY er SIGNATURE with STAMP
nite bola hoi, tahole bparta aro authentic hobe.
II. KYC Group er sob member der ekta GROUP-PHOTO lagbe but KYC lagbe only
PRESIDENT & SECRETARY er , Jodi TREASURER thaken tahle onaro,,enader FULL KYC
lagbe,,baki member der lagbe na. Ei PRESIDENT/SECRETARY/TREASURER eder k bank er
vasai AUTHORISED SIGNATORY bola hoi mana jara SIGNATURE kore poisa tulte ba joma dite
OFFICIALLY AUTHORISED.
III. ACCOUNT OPENING FORM Form e Account er name hbe SHG er name,,1st Applicant e
PRESIDENT (PRS) & 2nd Applicant e SECRETARY (SEC) er NAME, PHOTO, SIGNATURE
thakbe
#### Hoe gelo Account Opening-
A. Taka joma dite to kono subidha nei
B. Taka tulte ba, withdraw kortei sommyossa. EACH & EVERY WITHDRAW er khetre abr sei
RESOLUTION ta lagbe jekhane lekha thakbe j kono ekta particular dokrar e 2000/- taka
withdraw korte hbe SBI, BASIRHAT Branch er 123456 Account Number thke jeta AJANTA SHG
er account & Group er sobar sommoti nie ai taka tolar RESPONSIBLTY dewa holo PRESEDENT
& SECRETARY k JOINTLY.
C. Abr ekta proso elo j taka tulte jbe keno??? Karon,,, group er hothat karur taka er dorkar
poreche say 5000/- taka er,,,dekha gelo SHG account e 15000/- taka joma ache,,then sobai mile
decision nilo j oi 15000/- theke 5000/- taka tule onak ekta LOAN dewa hbe (onak means jar taka
er dorkar poreche) ar er jnnyo onak proti 100/- taka er jnnyo 4/- taka kore INTEREST dite hobe.
Mane ai LOAN dewar bpar ta puropuri GROUP er mddhe hobe & kak, koto taka, koto % interest
e Loan dewa holo seta sobai eksthe decide korbe & etao Resolution e mention kora thkbe.
Buttttt,,,not only LOAN,,,echara daily basis expenses, festival, ceremony esob er jnnyo eo taka
tulte pare but oi same process RESOLUTION e EVERY DETAILS mention kora thkbe & sei
PRS and SEC er upor responsibility.
D. Kintu prosno er list ekhaneo sesh holo na,,,SHG er oi group member ta hothat kore group
theke loan nte gelo keno??? Uni to bank er kache aste parten loan er jnnyo,,bparta aro legally &
systematic hto,,may be % intrst o kom hto,,,,kintu bank er credit proposal & documentation er ja
jhamela tate joto din e loan pass hobe totodin e onar oi taka er dorkar er time perie jabe. Tai less
formal, comfortable, convenient, easier & short way holo SHG thekei LOAN newa Eita SHG
FORM KORAR ONE OF THE MOST IMPORTANT OBJECTIVE . This is called SELF-HELP.
4. Fourth Step - LOAN/CREDIT FACILITY FROM BANK:
Jodi 6 month (Six Months) por, SHG tar BANK er sathe TRANSACTION , ACTIVITY OF SHG
MEMBERS satisfactory hoi & GROUP ta venge na jai then ai SHG ta puro GROUP er NAME e
BANK theke LOAN nite parbe. LOAN Amount normally 4-10 Times of SHGs SAVINGS in Bank
hoi, depending upon PROJECT TYPE & VIABILITY. Dhoro SHG er sobai mile decide korlo j
POULTRY FARM khulbe then sei PROJECT REPORT, RESOLUTION COPY, PROJECT COST
& VIABILTY by Authorised GOVT. AGRICULTURE OFFICER er COPY with LOAN
APPLICATION , Bank e submit korte hbe, ebar MANAGER decision nebe ki korbe & koto ta loan
deben,,,adeoo deben kina!!!. Ei khetre SHG er sob members der BANK e aste hbe. Normally
kono COLLATERAL newa hoina, oi POULTRY er MURGI gulo & PREMISES tai PRIMARY
SECURITY thakbe.
# Group e kono LOAN-DEFAULTER thakleo oi SHG bank theke LOAN pete pare but aisob mal k
GROUP er mddhe internally kono LOAN dewa uchit noi
5. Fifth Step CHANGE IN AUTHORISED SIGNATORY:
Jodi PRS/SEC/TREAS change hoi then OLD PRS/SEC/TREAS er NO OBJECTION
CERTIFICATE , RESOLUTION (jekhane baki SHG members der onumoti thakbe), New & Old
Authorised Signatory er KYC, PHOTO, SIGN, APPLICATION lagbe.
#### Eita interview te na bolle ba, na janleo hobe but halka jene rakho - Onk SHG abar Govt
Sponsored hoi mane dhoro BDO Office ba FISHERY Office theke Authorised thak for any kind of
Developmental Activity like Irrigation, Pisciulture etc etc, Ei sob SHG gulo ai developmntl kaj
korar jnnyo Govt theke Loan pai and tar jnnyo Bank e Account khole. Ei khetre Documents aro
besi lage like ai Project er Copy in Govt Letter Head, BDO or FISHERY DEV OFFICER er Letter
head e Account Opening & Project er details with GOVT. OFFICERs Stamp & Signature & aro
habijabi.....

120. JLG JOINT LIABILITY GROUP

Ekhaneo boi te ki porecho bhule jao & ager SHG er post porar por eta poro. Lets start......
JLG Joint Liability Group sunte & kajkormo gulo upor thk dekhle onk ta SHG er mtn lage butt ai
vul koro na konodin, dutor mddhe valo differences ache, ki?? Seta dekhbo ebr...Abr sei kichu
preliminary info theke start kora jak
1. JLG te No. oF MEMBERS howa uchit = 4-10 No of INDIVIDUALS,,,, jodio maximum upto 20
hote pare kintu eikhetre besi lokjon hole group otota effective hoina.
2. JLG-MEMBERS der sobaik SIMILAR type of activity te thakte hbe i.e. AGRICULTURE (Both
Farm & Non-Farm based Sector),,,Farm mane direct chash-bash korche ar Non-Farm mane
allied Sector like seeds, pesticide esob supply dichhe i.e. which are directly related to chash-
bash.
3. Same SOCIO-ECONOMIC Background hote hobe sob JLG-MEMBERS der just like SHG.
4. JLG-MEMBERS ra sobai same gram ei thakte hbe, pasapasi kom distance er duto gram holeo
osubidha nei temon, but sobai jate ek-opork valo kore chene & biswas kore jeta JLG er base.
5. JLG-MEMBERS der AGRICULTURE Activity te engage thakte hbe for not less than 1 YEAR
mane 1 YEAR er besi somoy dhore Agriculture er exposure & experience thakte hbei.
6. JLG er kono ekta single member ero Past - DEFAULTER howa cholbe na (Je kno BANK/ FI)
e.
7. Abr sei SHG er motoni EKTA FAMILY er EKJON i sudhu JLG er Member hote parbe & Ekta
Full Family er Members der nie keu ekta JLG Form korte parbena.
8. Mainly Small, Marginal Farmers, Micro-Enterpreneurs / Artisans in Non-Farm Sectors era JLG
formed kore.
9. JLG group gulo form korte NGO, State Govt er Agriculture Dept gulo er ekta important role
ache.
10. OBJECTIVE of JLG - JLG er MAIN TARGET HOLO BANK THEKE LOAN NEWA Ei
Loan newa ta SINGLY o hote pare mane JLG Group e Jodi 6 ta member thak then prottyek
member individually 10000, 15000 taka taka kore loan nite pare (dhoro 1 no member nilo 10000/-
taka, 2 no nilo 8000 taka, ai vabe 3, 4, 5, 6 no member nilo 12000, 11000, 14000, 9000 taka loan
respectvly).....
Abr eta na kore oi 6 jon eksthe puro JLG er name e ekta 60000/- er loan o nite pare simply like
SHG. Ei amount ta abr oi Individual Loan gulor sum o hote pare i.e (10+15+12+11+14+9) =
71000/- taka,,,jeta MANAGER thik korbe sob kichu study korar por....
11. But,,, JOINT LIABILITY GROUP er Main Punch etai hlo j JLG er under e LOAN ta
Individualy/As a Group jevabei neo na kno sei Loan Repayment korar Responsibility / Liability
thakbe whole Group er ba, Sob JLG Members der,,,,,karon Je kno typer LOAN nebar age sob
Members ra mile ekta JOINT UNDERTAKING or, MUTUAL GUARANTEE joma korbe BANK
e ar tate ei JOINT-LIABILITY er golpo ta lekha thakbe,,,,,,,Mane bpar ta kirokm hchhe
dekho,,,,,say 1 no. Member Loan nieche 10000/- taka kintu mal ta DEFAULT kore boslo tokhon
baki 5 jon members der nijder individual loans gulo to metate hobei tar songe oi 1 no er chulke
jawa 10000/- takar liability tao sobar mddhe vag hoe jabe, pati kothai baki 5 jon k mile oi 10000/-
taka ta metate hobe.....thats it...AND puro JLG Group hisabe LOAN nile to automatic sobar
liability cholei asbe.....THIS IS CALLED JOINT LIABLITY......Etai Main Difference with
SHG,,,,SHG te Members ra ek ek kore individually LOAN nite parbena,,SHG te one & only
GROUP er name ei LOAN hbe,,,,But ekhane ek ek kore Individually & JLG Group duto er basis
ei LOAN newa jabe & Individually holeo liability sob JLG_Members der uporei thakbe......Jar fole
LOAN er RISK ta onek tai kome jai.....
12. Thik SHG er moton ekhaneo jeno 2 jon member hbe PRESIDENT & SECREATRY and
erai puro JLG er behalf e sob banking transaction korbe, 100% similar to SHG operation.
13. Tumi ai JLG er baki member der prottyek k ekta ekta kore NO-FRILL Account kholar jnnyo
request korte paro,,khulbe ki khulbe na tder bpar!
14. JLG er under e LOAN gulo mainly duto Model e dewa hoi MODEL-A i.e. Financing
INDIVIDUALS in the Group & MODEL-B i.e. Financing the JLG as a Group Ei duto nie agei
bolechi halka kore (Refer Sl No. 10).......... MAXIMUM AMOUNT OF LOAN/INDIVIDUAL holo
Rs. 50,000/- for Farm sector & Rs. 25,000/- for Non-Farm sector (Both in Model-A & Model-
B),,,,,,,,,very very careful....MIND it eta kintu JLG er Loan er Maximum Limit noi,,,eta PER
INDIVIDUAL er MAXIMUM LIMIT.....Mane oi j 10000/-, 15000/-, 12000/- dhorechlm ogulor
Maximum Limit bola hoeche......JLG er as a whole 60000/- or, 70000/- er Max Limit kintu noi....
15. Ei JLG Loan eo kno Collateral newa hoina & Loan mane Term Loan or, Cash Credit facility
dewa hoi. Ar ai Loan gulok CGTMSE coverage er mddheo ana jete pare.
16. Eta bolai bahullyo j LOAN bollei to ar LOAN pawa jbena,,,all depends on Project Report,
Viability & Branch Managers view....PROJECT basis ei fixed hobe koto Credit/Loan facility dewa
hbe..

121. SHG V/S JLG

SHG & JLG er post duto Jodi pora hoe thake then eta bujhte kno osubidha hobar kotha noi, tao
interview te ask korle to besi vatanot time pabe na so to cut a very long story short
1. OBJECTIVE:-
SHG ta pore valo motoni bujhe gecho j SHG form korar main objective holo below poverty line er
manuser mddhe Savings habit ta create kora, nijeder moddhe coordination barano, dorkar er
somoy jate puro group er deposit thk kauk kono help kora jai etc etc. Eivabe Jodi group ta 6
months satisfactory running kore then SHG may apply for a LOAN to Bank.....So, main objective
of SHG formation is choto choto savings kore sei deposit tak properly utilize kora, tar por e asche
Loan er golpo, if required (Jodio ajkal Loan ta soabri reqrmnt hoe darieche). SHG = SAVINGS +
LOAN

JLG ta porleo eta poriskar hoe jbe j JLG form korar main motive holo Bank theke LOAN newa,
Onara Jodi chan then ekta ekat No-Frill khulte paren but oto vodro keu noi, Loan pass hole tikki
tao dekha jabena... JLG = LOAN
2. CREDIT APPROACH
SHG er khetre Jodi Loan newa hoi then seta ONE & ONLY as a whole oi SHG er NAME ei
LOAN Sanctioned hobe,,,,Individually hbena
But JLG er post ta dekhbe j JLG-LOAN er khetre duto MODEL e Loan dewa hoi, MODEL-A te
INDIVIDUALLY & MODEL B te JLG AS A GROUP ....But Jodi JLG er total 5 ta members
thak & Individually ekta ekta kore Jodi 5 jon 5 ta different amount er Loan nijder individual name
e sanctioned korai ar by chance ekjon tader mddhe chulkani mere dei ba, default kore jai tahole
kintu oi defaulted amount ta baki 4 jon k metate hobe that is called MUTUAL GUARANTEE or
you can say JOINT LIABILITY....
Moreover JLG is more effective than SHG....

122. OST ORTE OF CHE UE ART 1_OVERVIEW

CHEQUE bparta ageo discuss hoeche but clerk e chq nie uttal bawal debe tai abr hok but this
time we will discuss CHQ in two different different posts so that mathar tar jate na kete jai.
Contents of Part_1: DRAWER, DRAWEE, PAYEE , OPEN CHQ - ORDER & BEARER,
POSTDATED - ANTI DATED - STALE - INCHOATE - MUTILATED CHQ , REVALIDATION,
MATERIAL ALTERATION
1. CHEQUE Define kora hoeche Negotiable Instrument Act 1881 er Section-6 er mddhe.
Dekhe nio.
2. General sense e CHQ k amra duto vag e bivokto korte pari OPEN CHEQUE & CROSSED
CHEQUE
3. OPEN CHEQUE mane a chq which is payable at counter or, cash counter of any bank mane
pati kothai j chq tak bank e nie gie vangie counter thk cash taka tulte parbo. Etak abar du vage
sub-divided kora hoi jerokom ORDER CHEQUE & BEARER CHEQUE........
Amar name ABHINANDAN BANIK
Amar j bank e account & chq book ache tar name UCO BANK
Ami jar name e ekta chq likhe debo tar name GOURAB SARKAR
Koto taka er chq likhe debo mane amount of chq In Figures : 5000/- (Etak COURTESY
AMOUNT bole as per CTS-2010 guidelines)
Koto taka er chq debo mane amount of chq In Words : FIVE THOUSAND ONLY (Etak LEGAL
AMOUNT bole as per CTS-2010 guidelines)
Kobe chq ta likhechi , dhoro 05/08/2014
In that case-
ABHINANDAN BANIK = DRAWER
GOURAB SARKAR = PAYEE
UCO BANK = DRAWEE
Ebar je je jinis gulo mone rakhte hbe segulo hlo-
i) GOURAB Jodi 05/08/2014 theke upto 3 MONTHS obdhi jekno din bank e jai then se oi chq
ta k clear korte parbe, no problem at all i.e chq is valid upto 04/11/2014. So 04-11-2014 obdhi
gourab jekno din (except the date 05/08/2014) chq ta bank e nie jak, sei chq tak ANTI-DATED
CHEQUE bola hbe which is valid untill the instrument becomes INVALID (I.e. Valid upto 04-11-
2014).
ii) GOURAB jod chq tak 04/11/2014 er por e bank e nie jai then eta clear hobe na, as eta tokhon
invalid hoe jabe, it is called STALE CHEQUE. Ebar GOURAB ki korbe??
iii) GOURAB amar kche CHQ ta nie asbe say 06/11/2014 tarikh e, then ami oi ager date
05/08/2014 tak change kore 06/11/2014 kore debo,,so chq ta abr 06/11/2014 theke 3 months
er jonnyo valid hoe jbe..Ei process tak REVALIDATION bole. Eta jate mathai thak j jei date e ami
chq tak revalidate korbo, sei date thekei chq tar notun 3 months er validity start hbe..ami Jodi chq
tak 10/11/2014 te revalidate kortm then chq ta 10/11/2014 theke 3 months obdhi valid thakto.
iv) GOURAB Jodi ajk 04-02-2015 te ekta chq nie bank e ase ar tate date lekha thak 07-02-
2015 then sei chq tar o paymnt hobena as it carries future date i.e POST- DATED CHEQUE,
etar payment on or, after 07-02-2015 er hobe but obossoi upto 3 months.
v) Kono CHQ Jodi duto ba tar besi vag e chire gie thak den etak MUTILATED CHQ
bole,,payment kora uchit noi bt JODI ACCIDENTLY hoe thak r khubbbbbbbbbb urgent hoi tahole
j taka tulte esche mane PAYEE er thk declartn dite hbe with signature r likhe dite hbe
MUTILATION CONFIRMED,,,Jodi CHQ ta SBI er hoi r ota CLEARING er jnnyo UBI te jai then
SBI likhe dbe MUTILATION GUARANTEED with official seal , jate CLEARING e CHQ ta na
atkai ba UBI jate kono bawal na dei.
vi) Kono CHQ Jodi BANK e present korar tym incomplete thak like date nei / Account No nei /
Amount nei / Signature nei / Date nei etc etc then etak INCHOATE / INCOMPLETE CHQ bole.
Sec 20 of NI act e etar kotha mention kra ache,,,incomplete chq er paymnt obossoi krbena bank
but jodi setak complte kre bank e represent kora hoi then bank paymnt korbe like CHQ e first e
DATE ta chilona,,,tokhn eta INCHOATE i.e paymnt hbena but pore date ta likhe dilei eta
COMPLT CHQ hoe jbe,,tokhn er payment kora jbe
vii) Jodi AMOUNT IN WORDS & AMOUNT IN FIGURE er moddhe differences thak then i will
go by AMOUNT IN WORDS as per Section 18 of NI Act.
Example- Dhora jak j chq er Amount in Figure ache Rs. 5000/- but in Amount in Words lekha
ache Five hundred only,,tumi chokh kan buj e 500/- taka debe....Kintu Jodi Rs. 5000/- lekha
ache othocho, Amount in words er jaiga ta faka ba, Amount in words ta lekha kintu Amount in
figures er jaiga ta faka,,,then erokokm chq er payment tumi KORBENA as it is INCHOATE or,
INCOMPLETE.
viii) JODI CHQ er mddhe PAYEE NAME/DATE/AMOUNT/ ACCOUNT NUMBER / OR
BEARER / OR ORDER / Conversion of ORDER to BEARER CHEQUE - ei bpar gulo ba,
jaiga gulo te kono katakuti ba manipulation or, alteration thak then etak MATERIAL
ALTERATION (Sec 89 of NI Act) bole,,besi katakuti thakle onnyo CHQ ante bolo otherwise
alposolpo hle j MANUSH TA CHQ issue koreche mane DRAWER er ekta FULL SIGNATURE
with date nie nao oi katakuti er jaigai. Only DRAWER can correct MATERIAL ALTERATION,
nobody else can do.
Kintu dhoro keu PAYEE NAME ba DATE ta blank obosthai tomak CHQ ta bank e present korlo
ar tumi tak MATERIAL ALTERATION nie hevvy gyan diccho,,,then tomar Manager ese tomar
pichone sopate ekta lathi chalabe as et MATERIAL ALTERAION er mddhe porbena,,,,Kono
FIELD BLANK thakle seta fill up korie nao but CORRECTION/OVERWRTING thakle seta
MATERIAL ALTERATION hobe.
4. BEARER CHEQUE Barite CHQ book thakle bar kore dekho j PAYEE er name er pase OR
BEARER bole ekta kotha lekha ache...Er mane eta BEARER CHQ i.e. je manush ta bank e oi
CHQ tak BEAR ba CARRY kore nie asbe , tumi as a Banker take i payment korte baddho hobe
a/c to NI Act. Even ekta kukur mukhe e kore nie eleo. But OR BEARER kothata strike out kore it
will become ORDER CHEQUE ,,,,Ei khetre tumi only takei payment korte parbe jar name PAYEE
er jaigai mention kora ache.
5. ORDER CHEQUE - Jodi oi OR BEARER kothata strike out ka kete dao then eta ORDER CHQ
hoe jbe abar onk Chq e OR BEARER er bodole OR ORDER o lekha thak ,,,setao ORDER
CHEQUE,,,,,Aisob chq e PAYEE er jaigai jar name lekha thakbe only tak ba PAYEE jodi through
Endorsmnt CHQ tak karur name e transfer kore i.e. ORDER of PAYEE ,,,,sudhu takei payment
kora hbe...
AND MOST IMPORTANT bparta hlo j jodi 'OR ORDER' tak tumi strike out kre dao only taholei
kintu ei chq ta ORDER theke BEARER e CONVERT hobe na ,,,,,Strike out kore jodi PAYEE, Oi
CHQ tar pichone ba, BACKSIDE e ONLY FULL SIGNATURE with DATE mere dei then it will
become BEARER,,,but that FULL SIGNATURE of PAYEE is must. Jodi PAYEE er CBS
SOFTWARE e SHORT SIGNATURE Upoloaded thak then both SHORT & FULL Signature
marte hbe tao 2 to.
Significance of 2 Nos Signatures at Backside of CHEQUE or WITHDRAWL SLIP
A. First Signature er mane holo j Customer Bank e ese Counter e CHQ ta present korechen &
token niechen
B. Second Signature er mane holo j Customer oi CHQ ta passed hobar por CASH COUNTER
theke PHYSICAL CASH niechen.
Payment of Order Cheque
Uporer Exmple tai jodi dhori j ami gourab k ORDER CHQ diechi then ONLY Gourab jdi chq ta
bank e nie jai taholei sudhu paymnt hbe ,,onnyo keu gele payment kora hobena but ekhane
prosno ektai j chq ta to ARNAB nie gie bank e bolte pare j I AM GOURAB SARKAR ,,,Banker
hisabe tumi ki kore bujhbe j ORDER CHQ ta ORIGINAL PAYEE i.e ACTUAL GOURAB SARKAR
kei dewa hchhe kina???? Naki keu ekta FRAUD ese I AM GOURAB bole payment nite
esche!!!!
A. GOURAB jodi UCO tei chq ta nie jai ar sekhane GOURAB er NIJER NAME e EKTA SAVINGS
ACCOUNT thak then NO PROBLM ,,,FINACLE theke GOURAB er SB Account er SIGNATURE
CARD theke Gourab er PHOTO ar SIGNATURE match korie newa jbe...No Problem.
B. Butttttt,,,,,Problem tokhni hobe jodi GOURAB er UCO BANK e Account na thak ,,,,then as a
banker tomak with due diligence and utmost care nie bparta samal dte hbe ,,,account na thakle
pati refuse kore dao or, GOURAB k bolo chq ta ABHINANDAN er kache nie jete &
ABHINANDAN k bolte CHEQUE er pichone likhe dite PLEASE PAY THE SUM OF AMOUNT TO
MR.GOURAB SARKAR WHOSE SIGNATURE IS ATTESTED BELOW AND TAR NICHE
ABHINANDAN AND GOURAB DUJONER SIGNATURE THKBE, TAO 2 TO KORE ,,,Ete
subidha hbe tumi atleast GOURAB k die tomar samne duto sign korie seta match korate parbe
plus ekta photo I'd proof o nebe ,,,,but onk jhamela esb krte ,,,ar ekta korte paro j gourab er
theke or PAN card nao ,,sekhan thekeo tumi photo r sign ta melate parbe ,,,,but esob korar oto
time Karur kache nei,,,,risk onk jodi account na thak ,,,risk nile vlo ar na nile gourab k bolo vai
tomar j bank e account ache say PNB te sekhane gie CHQ ta joma dao ,,,ota CLEARING
Process er through die tomar Oi PNB er Savings Account e credit hoe jbe...Tai maximum CHQ e
PAYEE er pase OR BEARER i lekha thak i.e BEARER CHQ,,,Ete Bank er headache onek
kome jai.

123. OST ORTE OF CHE UE ART EN ORSE ENT

Definition pabe Section 15 of NI Act1881. Soja vasai Endorsement mane holo kono Negotiable
Instrument (NI) k ekjon person er theke onnyo karur name e transfer kora by signing at the back
of NI. Ekta example newa jak abr.
Example- Amar name e UCO te ekta Saving A/c with CHQ Book facility ache. Ami ebar ARNAB
CHATTERJEE er name e ekta CHQ issue kore dilam. Kintu ARNAB khub busy person tai o chai
j GOURAB ai CHQ ta BANK e nie gie encash koruk. But how is it possible???
Ebar 2 to case hote pare j either CHQ ta BEARER or, ORDER.So,
BEARER CHQ Kono Endorsement lagbena as under section 85(2) of NI Act Once a Bearer,
Always a Bearer- Jei lok ekta bearer chq bank e nie jabe, bank take i paymnt korbe and ete
banker k full protection dichhe NI Act . ARNAB Jodi oi CHQ ta GOURAB k die dai & CHQ e
pichone Jodi ARNAB Sign NA o kore tao GOURAB oi CHQ ta bank e nie gie vangate parbe, no
issue, but BANK thk vanganor time e GOURAB k oi CHQ tar pichone 2 to signature korte hbe,
keno? Seta Part_1 POST e bole diechi. Thus a Bearer chq does not need an endorsement to get
transferred or, cleared. So ekta bearer chq k without endorsement tumi negotiate korte paro (Sec
47).
ORDER CHQ Ei CHQ k Jodi transfer korte hoi then Endorsement must. Ami Jodi ARNAB k
Order Chq ditam ar tokhon Jodi ARNAB seta transfer korte chaito GOURAB er name e then
Endorsement lagbei. Endorsement is must for negotiating a ORDER CHQ (Section 48). Now
Endorsement ta kivabe hobe?
ARNAB oi CHQ er pichone nijer 2 to full signature kore debe ar seta GOURAB k die debe.
Eivabe ARNAB ei CHQ tak GOURAB er kache endorsd ba transfer kore dilo. Ebar onk kichu
vabar bpar ache-
1. ARNAB is ENDORSER
2. GOURAB is ENDORSEE.
3. BLANK-ENDORSEMENT = ARNAB Jodi oi CHQ tar pichone nijer 2 to full signature kore dei &
chq er samner dik Payee (i.e. Arnab) er name er paseOR ORDER kotha tak strike out kore dei
then it will become a BEARER CHQ Under Section 54 of NI Act. Ai j Arnab chq er backside e
ONLY FULL SIGNATURE korche and tar sthe ar kichu instruction er kotha likhche NA ba,
mention korchena,,,,this is called BLANK-ENDORSEMENT (Section 16 of NI Act). Thus an
Order chq becomes a Bearer chq THROUGH BLANK-ENDORSEMENT according to Section 54
of NI ACT..
4. ENDORSEMENT in FULL = ARNAB Jodi chq tar back side e nijer 2 to full signature er sthe
etao mention kore dito j PAY THE AMOUNT MENTIONED IN THE INSTRUMENT TO GOURAB
OR, TO ORDER OF GOURAB i.e Arnab ei khetre Bank k instruction dilo j amount ta Gourab k
or Gourab Jodi onnyo kauk pay korar order dei one & only sei person k ei jate pay kora hoi. This
is called ENDORSEMENT in FULL. Ei khetre Gourab nije chaile further kauk transfer korte
parbe instrument tak through Endorsement.
5. RESTRICTIVE ENDORSEMENT = ARNAB Jodi ebar eta likhe dei j Pay the amount
mentioned in the Instrument to Gourab ONLY then it will be RESTRICTIVE ENDORSEMENT.
Restrictive ai sense ei bola hochhe j ai instrument ta further NEGOTIABLE/TRANSFRBL noi (It
Prohibits FURTHER NEGOTIABLITY of the INSTRUMENT). So Gourab chaileo ei chq tak onnyo
karur name e endorsmnt er through die transfer korte parbena. Only Gourab k ei Bank payment
korbe.
6. PARTIAL ENDORSEMENT = Jodi CHQ tar amount hoi 5000/- and ARNAB chq er pichone
signature kore likhe dei Pay only 2000/- to Gourab that is called PARTIAL ENDORSEMENT.
This is INVALID ENDORSEMENT. This is NOT VALID for NEGOTIATION u/s 56 of NI ACT . So,
BANK WILL NOT PAY THAT CHQ.
6. CONDTIONAL ENDORSEMENT = ARNAB Jodi erkom kichu mention kore dei Pay the
amount mentioned in the Instrument to Gourab ONLY WHEN GOURAB will attend an AGE of 25
yrs, or Pay the amount mentioned in the Instrument to Gourab ONLY WHEN GOURAB will
complete his GRADUATION or, erokom aro onk condition dite para jai. Etak CONDITIONAL
ENDORSEMENT bola hoi. Ei khetre Bank k payment korar age ultimate level er care nite hobe j
condition ta fulfil hoeche kina & condition fulfil hobar supporting documents dite hbe Gourab k. Ai
document gulo er genuineness tao Bank kei verify korte hbe.
Must Remember bullet points regarding Endorsement
I) WHO CAN ENDORSE = Holder or, Payee of Instrument
II) LIABILITY OF ENDORSER = NI Act er Section 35 bolche j Endorsement korle , The
Endorser IMPLIEDLY promises that Jodi oi instrument ta dishonoured / bounced hoi and
Dishonour Notice Jodi issue kora hoi then that Endorser will compensate the Holder/Payee of
that Instrument. IMPLIED mane holo j kono ktha k directly express na kora. Uporer example e
Jodi chq bounce hoi and notice issue hoi then liability hobe Endorser er mane ARNAB er, Jodi oi
chq ta GOURAB further SUBHANKAR k endorsed kore ditooo ar tokhon CHQ ta bounce hoto,
then sei khetre liability hoto GOURAB er.
III) Banker er responsibility holo kichu kichu care newa like
A) Endorsement er Signature jate BLOCK LETTER er NA HOI, always SIGNATURE = SMALL-
LETTER
B) SIGNATURE ta jate PAYEE er name er sthe 100% Similar hoi. Amar name ABHINANDAN
The Payee & ami Endorsement korar time Signature korchi AVINANDAN e...Tahle Bank eta
accept korbena.
C) CHQ e Account Payee Crossing / Special Crossing / Restrictive Endorsement thakle sei
CHEQUE k ENDORSED kora jabena.

124. OST ORTE OF CHE UE ART CROSSING

One of the most important topics for any type of Banking Interview.
1. CROSSED CHQ mane hochhe je CHQ tak vangie ami CASH COUNTER theke PHYSICAL
CASH payment nite PARBONA. Crossed Chq one & only PAYEE er ACCOUNT e gie direct
CREDIT (+) hbe i.e. TRANSFER TRANSACTION (Drawers Account ta Debit hbe & Payees
Account ta Credit hbe), No CASH TRANSACTION at all (Drawers Account Debit kore CASH
payment newa cholbe na). Technically as per Section 126 of NI Act Crossing is a direction to
Paying Bank not to pay the chq across the counter i.e. cash paymnt, it should be directly credited
to Payees account.
Debit Credit Jader ekhno DEBIT-CREDIT nie sommyossa tader k bole di j CREDIT mane (+)
i.e Account e taka dhoka - RECIEPT and DEBIT mane (-) i.e. Account theke taka tule newa
WITHDRAWL.
2. CROSSING Mainly 2 typer hoi GENERAL & SPECIAL
GENERAL CROSSING (Section 123 of NI Act):
(I) Ekta CHEQUE er ekdom LEFT HAND SIDE er TOP MOST CORNER e duto TRANSVERSE
PARALLAL LINE draw kore dilei sei Cheque ta GENERALLY CROSSED CHQ hoe jabe .
Tarmane ai CHQ ta te j AMOUNT ta lekha ache seta PAYEE er ACCOUNT e direct CREDIT
hbe.
(II) Ei khetre oi Parallal Line dutor majhkhane kichu lekha thakuk ar na thakuk seta matter
korena. Ekhane IMPORTANT holo LINE DUTO, Not WORDS between 2 LINES. Duto Line
draw kore dile mane hoe gelo GENERAL CROSSING.
(III) GENERAL CROSSING e ENDORSMNT korte parbe but CROSSED CHQ k Endorsd kora
HIGH-RISKY,,,,Hardly kono Bank hoito in Practice General Crossed Chq e Endorsmnt k accept
korbe but as per ACT kono badha nei. You may Endorse a Genrally Crossed CHQ.
SPECIAL CROSSING (Section 124 of NI Act):
(I) Ekta CHEQUE er ekdom LEFT HAND SIDE er TOP MOST CORNER e Jodi kono SPECIFIC
BANK er NAME mention kora thake then eta hobe SPECIAL CROSSING. Ekhane 2 to
Transverse Parallal Lines thakteo pare abar nao thakte pare, does not matter. Main thing is
NAME OF BANK, Not 2 TRANSVERS PARALLAL LINES. But ei bparta ektu golmele ache.
Ekta example die bojha jak
EXAMPLE:
A) RAM er ekta SAVINGS A/C ache SBI te & SHYAM er ekta SAVINGS A/C ache PNB te.
B) Ekhon RAM ekta SBI er CHEQUE issue kore dilo SHYAM er name e
C) Drawer= RAM, Payee= SHYAM, Drawee= SBI
D) Kintu SHYAM er to ar SBI te a/c nei tai SHYAM tokhon oi CHQ ta nie gie PNB te joma dilo.
E) So ei CHQ ta ekhon CLEARING-PROCESS er through die SHYAM er PNB Account e
CREDIT hobe. Er jonnyo PNB k oi CHQ tak CLEARING HOUSE e pathate hobe. (CLEARING
PROCESS jante hole refer #43 of pinned post)
F) Clearing e send korar age PNB Jodi oi CHQ er upor e Top most Left side e ekta CLEARING
STAMP & NAME OF THE BANK i.e PNB mention kore dei then, that will be a SPECIAL
CROSSING.
G) Etar mane ei daralo j THAT CHEQUE SHOULD BE PAID TO PNB or, ANY AUTHORISED
COLLECTION AGENT OF PNB ONLY, NO ONE ELSE as the CHQ is having a SPECIAL
CROSSING In favour of PNB.
H) Special Crossing korle oi CHQ ta nie UBI, UCO, BOI, CANARA keu vangate parbena. THIS
CHQ IS ONLY PAYABLE TO PUNJAB NATIONAL BANK.
(II) Jodi SPECIAL CROSSING e 2 TO BANK er NAME thak say PNB & UBI then Sei CHQ ta
PAYABLE NOI ba PAY kora jabe na as per Sec 127 of NI Act,,,Unless PNB & UBI er mddhe
jekno ekta bank eta mention kore dei j oder moddhe ekjon keu say UBI, tokhn PNB er AS A
AGENT hisabe kaj korche. Eta mention kore dile its ok as agei bolechi j Either Payable to PNB
or its Agent for collection (i.e. UBI in this case).
Summary General and Special Crossing
a) General Crossing e Important holo Two Parallal Lines & tar moddhe kichu likhteo paro abar
nao likhte paro, whereas Special Crossing e important holo Name of Bank & ei khetre ai Bank
er Name ta 2 to Parallal Lines er mddhe thakteo pare abar nao thakte pare, doesnt matter.
b) Special Crossing k General Crossing e convert korte parbo but with Drawers signature as eta
Material Alteration hoe jabe. Esob onk boro bpar but just jene rakho.
c) Specially Crossed Cheques are NOT ELIGBLE FOR ENDORSEMENT ( Important)
3. ACCOUNT-PAYEE CROSSING:
I) Ei jinis tar sthe onekei kom besi porichito but dukkher bpar NI ACT e kothao mention kora nei
Account Payee Crossing er kotha. Eta BY PRACTICE esche.
II) Etak General Crossing o bolte paro abr Special Crossing o bolte paro.
III) Meaning ta to bujhtei perecho sobai asa kori j CHQ er Amount ta only PAYEE er ACCOUNT
ei CREDIT hobe but ekhon mone e nischoy ekta Question asche j General Crossing eo to same
case chilo to alada kore Account Payee Crossing er dorkar ki chilo??? Ans hlo-
Attention GENERALLY CROSSED CHEQUE k amra ENDORSEMENT korte parbo mane it is
TRANSFERABLE
But, ACCOUNT PAYEE CROSSED CHEQUES are not Transferable i.e ENDORSEMENT IS
NOT ALLOWED in A/c payee CHQ
RBI GUIDLINES RBI Sob Bank k strictly instruct kore dieche j A/c payee CHQ gulok other than
Payee jate onnyo karur Account e Credit na kora hoi as per Section 35A of Banking Regulation
Act. Er mane RBI, Bank gulok A/c payee Chq gulor 3rd Party Account e Credit bondho kore dilo
(Ekhane bole dite chai j 3rd Party sune voi pawar kichu nei, actually Drawer= 1st Party, Payee
=2nd Party, so ebar Payee Jodi onnyo kauk ai CHQ ta Endorsd kore dei then jar name e
endorsmnt holo se hobe 3rd Party). So, 3rd Party payment bondho mane Endorsement/Transfer
bondho. Jodi ekantoi most urgent case e Drawer or, Payee ese bole j other than Payee kauk
payment korte then Bank , oi Payee/Drawer k ekta MANDATE ante bolbe jate oi Account
Payee Crossing ta Cancelled kora holo eta mention kora thakbe. But eto jhamela na kore ar ekta
CHQ issue kore dilei to hoi...!
4. NOT NEGOTIABL CROSSING:
Sune mone hote pare j ai typer crossing mane chq taka r negotiate/endorsement kora jabena.
But seta kokhoni noi, amaro first e atai dharona chilo but Not-Negotiable CHQs are also eligible
Endorsement. Section 130 of NI Act e er ullekh ache but ota pore kono matha mundui bojha
jabena so ei khetre pati example e chole asi. Tahole Jodi bparta bojhano jai.
Example:
I) Dhoro RAM ekta CYCLE kinlo SHYAM er theke.
II) So, RAM cycle er payment korar jnnyo ekta NOT-NEGOTIABLE crossed cheque dilo
SHYAM k.
III) SHYAM to already cycle bikri kore dieche tai oi CHQ er upor SHYAM er odhikar ache. CHQ
Jodi insufficient balance er jnnyo bounced hoi then SHYAM chaile RAM er against e case korte
pare.
IV)Ebar dhoro SHYAM oi CHQ tak MADHU bole ekjoner name e ENDORSD kore dilo ba transfer
kore dilo in favour of MADHU.
V) Er pore e Jodi oi CHQ ta bounce kore (as SHYAM to age jante parbe na j RAM er a/c e taka
ache ki nei?),,,,,then MADHU kintu RAM or, SHYAM dujoner moddhe jekno ekjon karur name ei
case dite pare as MADHU to oi CHQ tar boodle SHYAM k kichu ekta jinis (Value) dieche &
MADHU Good Faith ei CHQ ta accept koreche.
VI) Now dhoro MADHU, ai CHQ tak harie fello & seta pelo JADU. Golpo suru ekhan thekei...
VII)JADU sala chamar er bachha, se beta MADHU er Signature nokol kore ba forged kore ei
CHQ tak AMAL bole ekjoner name e ENDORSMNT kore dilo mane pati jali signature kore
MADHU er CHQ ta JADU transfer kore dilo AMAL er name e.
VIII) Now Jodi CHQ ta bounce kore then AMAL chaile JADU er against e CASE korte parbe but
RAM/SHYAM/MADHU er kichhhuuuu korte parbena sudhu oi Not Negotiable kotha tar jnnyo.
Jodio AMAL Good Faith ei CHQ ta nieche & kichu VALUE o dieche tar poriborte, but tao
parbena...
IX) Not-Negotiable lekha na thakle AMAL tokhon RAM/SHYAM/JADU er name e CASE korte
parto but MADHU er name e parto na as or CHQ ta harie gechilo & MADHU er name e
ENDORSMNT ta FORGED ENDORSEMENT chilo. Seta korechilo JADU.
X) Like wise CHQ ta Jodi AMAL abar transfer/endorsed kore dei SOMANATH er name e then
SOMNATH chaile JODU & AMAL er name e CASE korte parbe but RAM/SHYAM/MADHU er
Name e CASE KORTE PARBENA. Erokom vbe bparta hbe r ki...
Main kotha AI DARALO J TUMI JODI CHURI KORA JINIS KENO THEN TUMIO CHOR
5. CANCELLATION OF CROSSING & PROTECTION TO A BANKER IN CROSSED CHEQUE:
I) CANCELLATION of CROSSING- One & Only DRAWER kono Crossing k cancel korte pare by
adding the words CROSSING CANCELLED or, PAY CASH & Seta te with Signature proper
authentication thakbe. Eisob CHQ e vorpur fraud hoi tai always be very very very very careful.
II) Jodi CROSSED CHQ er payment with utmost care, due diligence & chq er sob field gulok valo
kore verify korar por payment kora hoi & tar poreo Jodi dekha jai fraud hoeche but emn typer
fraud hoeche j jetak khali chokh e dekhe bojha somvob noi ,,,Erokom case eo kintu BANKER
SAFESIDE thakbe under section 128 of NI ACT which gives protection to Paying Banker in case
of Crossed CHQ.
Ebar boltei paro emn ki fraud jeta khali chokhe dekhe bojha jaina?? Simple - Signature ta
Forged/Nokol kora. Tumi to apparently dekhcho signature ta mane chokhe e dekhe jotota bojha
jai ar ki,,flow of signature tai main dekha hoi. Tumi to Dr.Salunkhe na j 100% Signature match
korate parbe. So in that case NI Act will protect the Banker u/s 128.

125.# OST ORT OF CH ART 4 ISHONR ELCTRNC TRUNCT CTS 1 CH

1. DISHONOUR OF CHEQUES:
Sobai motamuti term tar sthe porichito, Dishonour mane chq bounce kora. But the qstn is chq
kokhon bounce korbe??? Onkgulo cause ache but most common cause holo INSUFFICIENT
FUND in DRAWERS ACCOUNT & MISMATCH OF DRAWERS SIGNATURE,,,Echara CHQ er
kothao Jodi Material Alteration hoe thak or, CHQ er validity Jodi sesh hoe jai then chq
dishonoured hote pare. Ebar CHQ Jodi DISHONOURED hoi then ki hbe? Let us take an
example-
I) RAJU ekta CHQ likhe dieche SHYAMAL er name e. RAJU= DRAWER & SHYAM = PAYEE
II) SHYAM ei CHQ ta nie gie BANK e joma dilo, dujoner same bank hole valo but different banks
hole Clearing Process er through die CHQ ta SHYAM er Account e Credit hbe.
III) Now dekha gelo j RAJU er Account e Insufficiency of FUNDS er jonnyo SHYAM k dewa oi
CHQ ta bounced holo i.e. Dishonoured holo. Ekhon SHYAM ki korbe? 2 to upai ache-
A) IN CASE RAJU IS NOT A FRAUD = Jokhon CHQ ta Clearing e gechilo tokhon hoito RAJU er
Account e Balance chilona but ekhon ache i.e. RAJU ekjon Genuine Person. Jokhon i CHQ
dishonoured hoi tokhoni Bank ekta CHEQUE RETURN MEMO issue korbe jar mddhe payment
na howar jabotio details thakbe. Raju Jodi genuine person hoi then SHYAM ai RETURN MEMO
tar moddhe j DATE ta ache tar 3 months er moddhe CHQ ta RE-SUBMIT korte pare as SHYAM
jane j ekhon RAJU er Account e taka ache.
B) IN CASE RAJU IS A FRAUD = Raju Jodi fraud hoi then SHYAM chaile RAJU er against e
case korte pare but tar kichu steps ache-
i) SHYAM oi CHQ RETURN MEMO ta receive korar 30 days er moddhhe RAJU k ekta LEGAL
NOTICE patahbe. Ei Notice A to Z sob details thakbe puro case tar, kobe CHQ deposit hoeche,
kobe bounced hoeche, keno hoeche everything.
ii) RAJU Jodi a NOTICE ta receive korar 30 days er moddhe FRESH CHEQUE issue korte ba,
FRESH PAYMENT korte na pare then SHYAM chaile RAJU er against e CRIMINAL
COMPLAINT korte pare under Section 138 of NI Act-1881. NI Act er Section 138 to 142 te
DISHONOUR OF CHEQUE jinis ta mention kora ache, but case korte parbe u/s 138 of NI Act.
Case ta first uthbe Metropolitan Magistrate or, 1st Judicial Magistrate Court e. But SHYAM k oi
30 Days er moddhe case file korte hobe otherwise time chole gele court or case accept korbena
unless sumthng strong reason of delay. (Important_Last_Yr_IBPS_Clerk_Interview_Question)
iii) Court e case other por Court will issue summon & dui party er view sonar por Jodi RAJU i.e.
DRAWER k dosi promanito kore then RAJU er Upto 2 Years IMPRISONMENT or, FINE
AMOUNT which can be TWICE of the CHQ AMOUNT or BOTH hote pare
iv) RAJU chaile Lower Court er decision er 30 days er mddhye Higher Court i.e. Session Court e
apply korte pare or, RAJU-SHYAM out of court ekta COMPROMISE Settlement o korte pare...
C) CHEQUE-DISHONOUR in SPECIAL ACCOUNTS-
i)COMPANY ACCOUNT er CHQ bounced hole only DIRECTORS RESPONSIBLE or,
DIRECTLY LIABLE FOR THE CHQ er i ONLY Punishment hobe,,,Others DIRECTORS der
hobena.
ii) PARTNERSHIP ACCOUNT hole ONLY the PARTNER INCHARGE will be liable, not OTHER
PARTNERS.
2. TRUNCATED CHEQUE & ELECTRONIC CHEQUE
I) Mr. ABC ekta SBI er Cheque likhe dilo in favour of Mr. XYZ & enar Account ache UBI te. So,
Mr. XYZ oi CHQ ta nie gie UBI te joma dilo. Ebar UBI ei CHQ tak Clearing er joonnyyo patahbe.
In that case UBI ai CHQ tak PHYSICALLY na pathie ai CHQ er ELECTRONIC IMAGE pathalo
SBI te with ELECTRONIC SIGNATURE of UBI i.e. COLLECTING BANK for AUTHENTCIATION.
So, ai j PNB oi E-IMAGE tak send korlo and PHYSCIAL CHEQUE tak nijer kache RETAIN kore
dilo ba rekhe dilo, THIS PHYSICAL CHEQUE or, PAPER CHEQUE is called TRUNCATED
CHEUQE
II) Ebar, Mr. ABC Jodi SBI er oi CHQ tak Physically Mr. XYZ k na die first ei oi CHQ tar
ELECTRONIC or, SCANNED IMAGE ditto by attaching his DIGITAL SIGNATURE then eta hoto
ELECTRONIC CHEQUE.
3. SECURITY FEATURES OF A CTS-2010 STANDARD CHEQUES
I) PAPER Quality Chemical composition of the Paper material emon hobe jate kono Fraud /
Alteration hole seta easily visible hoi. UV LAMP i.e Ultraviolet Lamp er niche rakhle CTS-2010
STD CHQ glow korbena
II) WATERMARK Barite CTS CHQ thakle khule dekho j otak Currency Note er moton Light e
fele dekhle ekta 2.6-3.0 cms diameter er OVAL SHAPE er moddhe CTS - INDIA kothata lekha
ache, one of most important safety features of CTS cheques. Each & Every CHQ e atleast ekta
FULL CTS-INDIA er WATERMARK thaka uchit.
III) BANKS LOGO Same as CTS-INDIA Watermark,,Je BANK er CHQ sei Bank er NAME &
LOGO ta dekha jabe . Ai LOGO ta UV-LAMP/SCANNER e VISIBLE hobe. Other Important
Safety Feature.
IV) BANKS NAME - CHQ er upor e i.e Face of the CHQ e CHEQUE ISSUING BANK er LOGO,
NAME & CHEQUE ISSUING BRANCH er FULL ADDRESS with PIN CODE & IFSC CODE
thkbe.
V) SIGNATURE LINE - Signature Line er niche lekha thakbe PLEASE SIGN ABOVE THIS
LINE
VI) VOID PANTOGRAPH - Account Number Lekhar niche thak.
VII) PROHIBITON OF ANY CORRECTION CTS Cheques e except Date-Validation konorokm
correction/alteration kora uchit noi,,,but kichu korar nei,,,in practice esob hoei thak..
VIII) CORPORATE CUSTOMER CURRENT A/c & CORPORATE A/c er CHQ gulote Account
Number Pre-Printed thaka uchit.
4. PRE-CAUTION IN CASE OF CHEQUE-PAYMENT:
I) Insane, Insolvent, Company in Liquidation Eisob khetre Payment korte gelo Court Order &
Onk Legal Foramilities lage,,,Otherwise no Direct Payment.
II) Account Holder i.e. Drawer , Stop-Payment Request koreche erokom kon CHQ er payment
kora jabena. Mainly CHQ harie gele ba churi hoe gele Customer ese Bank e Stop-Payment
Request kore.
III) Jodi kono CHQ kono Company er favour e thak then etar payment konodin CASH e hobena,
BEARER CHQ holeo NA,,,Always Comaony-Account e Credit hobe,,,Kono Individual Director er
Account eo Credit hobena,,,only Valid Company-Account e hobe.
IV) Dearth of Drawer- Instrument er date jodi date of death er age hoi then you can pay but jodi
tar porer date hoi then NEVER as after death banker customer er debtor-creditor er contract
sesh hoe jai... But bpar hcche tumi as a banker janbe ki kore j se mara gche ??,,,local hole kan e
khobor esei jbe but jodi na jano then signature thik thakle tumi payment kore debei ,,,kichu korar
nei ,,we are bankers not God,,,but pore jodi jante paro then you can take legal action against the
payee j date of death er pore er date wala cheque er payment nieche as it is a type of fraud but
legal action nile banker er o problem j hbe j chq ta pass koreche ,,tai compromise tai better
rasta...

126. BASEL NORMS BASEL_1, BASEL_2, BASEL_3

First ei boli j Clerk er Interview er age besi heavy weight software download kora thik noi, hard
disk crash kore jete pare, tao halka er upor die dichhi jate ask korle kichu bolte para jai.
Binito Onurodh Eita porar age #36 & #95 ta pore neben Pinned PDF er otherwise sob matha er
upor die jabe.
BASEL ACCORD BASEL 1:-
1) 1980 er dosok e sara duniar financial system e ekta boro somoyssa dekha jai jeta holo bank
gulor Asset Quality aste aste kharap hote thak. Sobai asa kori jano j Bank er ASSET = LOAN.
Ar etao bolai bahullyo j sob Loan er Risk-Factor ta soman noi. Konota kom ar kono ta besi like
Staff der Loan dile Risk Jodi 10% hoi serkom ekta boro Corporate loan dile tar Risk hoe jbe 75%.
2) Asset quality kharap mane Borrower er Risk Catgory kirokom seta ja jenei Loan dewa hoto
tai Bank eta thik kore calculate kortei parbona j hothat konodin financial crisis ele sei tak
overcome korar moton CAPITAL tader reserve e ache kina.
3) Prosno holo financial crisis asbe keno? Tar karon ami janina kon borrower k loan dewa amar
kache besi risky hobe & kak dile risk kom hbe i.e. Kon Borrower Loan Repayment korbe ar k
korbena eta bojha jhamela chilo Credit Risk - Loan die to dilam but maal ta poisa ferot korbe
to?????
4) Ei sommyossya er somadhan er jonnyo 1988 saal e BIS - BANK FOR INTERNATIONAL
SETTLEMENT (Central Bank of all Central Banks of the World) er under e BCBS- BASEL
COMMITTEE OF BANKING SUPERVISION market e anlo BASEL I jeta mainly focused chilo
CREDIT RISK er upor. Ai BIS er HEADQUARTER holo SWITZERLAND er BASEL City te tai
erokom name.
5) BASEL I Norms ei first time Introduce kora holo CAPITAL ADEQUACY RATIO (CAR) or
CAPITAL TO RISK WEIGHTED ASSET RATIO (CRAR) er concept. According to BASEL-I,
CAR/CRAR should be atleast 8%.
6) CAR = (TIER 1 + TIER 2) CAPITAL / RISK WEIGHTED ASSET = 8% i.e Jodi tomar TOTAL
RISK WEIGHTED ASSET = 100 Crores hoi then kono FINANCIAL CRISIS k overcome korar
jnnyo tomar kache minimum RESERVED (TIER 1 + TIER 2) CAPITAL thakte hobe = 8 Crores.
7) Risk Weighted mane each & every Asset or, Loan k tar RISK FACTOR die multiply kore sob
kota Loan k Risk onuzai prokash kora hbe. (Mr. ABC ekjon khub valo Borrower, good credit
history, so onak jodi 50000/- taka Loan di & er Risk Factor Jodi 10% hoi then Loan/Asset Amount
holo = 50000/- taka but Risk Weighted Asset hobe (50000*10%) = 5000/- taka,,,,,,,,,,, Abar ei
same amount Loan dilam Mr. XYZ k but onar credit history valo noi, age NPA korar record ache
then in that case Loan 50000/- taka holeo er Risk Factor hoe jabe 50%, then Loan/Asset Amount
holo = 50000/- taka but Risk Weighted Asset hobe (50000*50%) = 25000/- taka......erokom ar ki).
Tahole bujhtei parle j RISK WEIGHTAGE ta koto ta Important.
8) BASEL-I e mainly Asset gulok 4 te Risk-category te vag kora hoi according to
Debtor/Borrowers Category i.e. 0%, 20%, 50%, 100%.
9) INDIA ei BASEL I implement korte suru korlo April 1992 te, ar 1994 er moddhe implement
hoe jai. According to RBI, India te CAR er minimum requirement chilo 9%.
10) MERITS of BASEL I:
a) First time world er sob bank er jnnyo erokom ekta Internationl Standard toiri hlo
b) Worldwide accepted holo
c) Simple Structure & Calculation
d) Internationally active bank gulor CAPITAL ADEQUACY increase korlo ager tulonai tai nijder
moddhe Competetion o onktai bere gelo
e) Ekta Benchmark pawa gelo i.e. 8% CAR jar upor base kore bojha jabe kon Bank er haal
kirokom, je Bank er CAR % joto besi tar Financial Stability toto besi hobe.
11) DEMERITS of BASEL I:
a) BASEL I e Capital Adequacy Ratio ta ONLY CREDIT RISK er upor base kore hoi jeta ekta
boro weakness chilo at that time not to include MARKET RISK & OPERATIONAL RISK.
b) Borrower/Debtor er j Classification ta chilo seta appropriate chilo na as ete different debtor er
Credit Rating & Credit Quality k include kora hoini.
c) Market onuzai na gie theoretical approach newa hoechlo onekta.
12) Aisob drawbacks gulor jonnyo sesh obdhi 1994 saal e Capital adequacy calculation korar
jonnyo CREDIT RISK er sthe MARKET RISK takeo INCLUDE kora holo.
Market Risk Present market er adverse condition Jodi kono vabe bank er business k affect
kore, mainly 2 to typer risk ache Change in Interest Rate i.e. rate barle ba komle seta bank er
upor pressure create kore & Forex Risk i.e. Foreign Currency Exchange rate besi up-down korle
setao bank er upor provab fele.
BASEL ACCORD BASEL 2 :-
1) The Basel Committee on Banking Supervision, 26TH June 2004 e market e introduce korlo
BASEL II Norms.
2) BASEL II te Capital Adequacy Ratio Calculation korar jonnyo BASEL-I er CREDIT &
MARKET RISK er sthe OPERATIONAL RISK takeo include kora holo
Operational Risk Failure of operating system in the bank due to certain reasons like fraudulent
activities, natural disaster, human error, Loss of fixed asset, Link failure, omission, sabotage etc.
3) BASEL-II Norms gulo mainly 3 te PILLARS er upor based chilo.
4) PILLAR 1 i.e. Minimum Capital Requirement
a) Oi sei CAR/CRAR er golpo, jeta BASEL I e chilo minimum 8% seta BASEL-II teo 8% thaklo
but ai 8% (i.e. TIER 1 + TIER 2 CAPITAL) er moddhe TIER-1 Capital er minimum requirement
hoe daralo 4%.
b) According to RBI, India te CAR er minimum requirement 9% chilo, BASEL-II teo tai thaklo but
ai 9% CAR/CRAR er moddhe 6% TIER -1 CAPITAL Mandatory kora hlo.
c) CAR Calculation e Operation Risk k include kora holo
d) Different Borrower & Loans er RISK WEIGHTAGE gulo k aro improved & standardized korar
jnnyo onk gulo approved External Credit Rating Agencies k die assessment korano holo and
finally Various Asset k aro venge venge diversified way te Risk catrgory te vag kora hlo jeta
BASEL I e onkta broadly chilo setak aro improved kora holo.
e) BASEL I jeta only 4 te vag chilo i.e. 0%, 20%, 50%, 100% setak aro choto choto vage e
venge venge kora hlo jate Credit-Analysis ta better hoi
f) BASEL II te total Risk category er span ta holo 0% to 150% jar moddhe onk choto choto vage
minutely different category te Borrower k weighatge (%) dewa holo according to their Risk-
Factor.
g) Kono Loan/Asset Jodi Unrated theke thak then setar Weightage 100% dhora holo.
5) PILLAR 2 i.e. Supervisory Review
a) BASEL II Norms somosto Central Bank gulok ei power ta dieche j des her sob bank gulo
adequate Capital thik thak maintain korche kina setak supervise kora & check kora.
b) Mainly duto jinis er upor Central Bank er interest thakbe i.e. Banks Risk Management System
and Capital Assessment Policy.
c) India te RBI bole dieche j sob bank k better risk management er jonnyo ekta INTERNAL
PROCESS k implement korte hobe i.e ICAAP Internal Capital Adequecy Assessment Process.
d) ICAAP er main objective holo Identification and measurement of Risks, Assessment of Capital
Adequacy according to Risk-Profiles and Preparing strategies for maintaining the Adequate
Capital Levels.
e) Sob milie RBI er overall evaluation process k SREP Supervisory Review & Evaluation
Process bole.
6) PILLAR 3 i.e. MARKET DISCIPLINE
a) PILLAR 1 & 2 k aro effective way te implement korar jonnyo PILLAR 3 k introduce kora hoi
b) Etar mane holo Ekta Bank er Present Asset Quality, Capital Adequacy Ratio, & Overall
Financial Heath er Information gulo k Market e Supply korte hobe or, disclose krte hbe jate
Investor ra Invest korar age eta bujhe jai kon Bank financially koto ta strong.
c) Ei jonnyo quarterly & yearly Bank jesob Financial Statement gulo through Press Conferation,
Market e release kore tate gustir sob information thak.
7) IMPLEMENTATION of BASEL II in INDIA -
a) First Phase: 2008: Foreign Banks in India, Indian Banks with presence outside India: Basic
Approaches
b) Second Phase:2009: Other Scheduled Commercial Banks
c) Till 2014: Complete Implementation
8) MERITS OF BASEL-II
a) Inclusion of OPERATIONAL RISK for CAR calculation
b) Better Flexibilty & differentiation in Risk weighted categorization
c) Better Asset Quality as compare to BASEL I
9) DEMERITS OF BASEL-II
a) Capital Requirement ta barlo as Opeartional Risk ta included holo
b) Market Discipline k implement korte gie Technology upgradation, Information system &
disclosure er jonnyo High Cost included holo.
c) Ar ekta sommyossa chilo j BASEL-II te je CAPITAL ta REQUIRED chilo seta only CREDIT +
MARKET + OPERATIONAL RISK gulokei COVER korte parto . Onnyo kono Risk ese gele
BASEL-II er CAPITAL setak makeup korte partona. Thik etai holo 2008 e SUB-PRIME CRISIS =
Global Financial Crisis.
BASEL ACCORD BASEL 3 :-
1) 2008 e je Global Crisis hoi tate BASEL II er drawbacks gulo dhora pore jai tai 2010 saal e
BCBS introduce korlo BASEL III norms with more effectiveness.
2) CREDIT, MARKET, OPERATIONAL Risk er sthe LIQUIDITY & COUNTER CYCLICAL Risk
takeo Inlcude kora hlo.
3) 4 te Vital Financial Parameter er upor besi guruttyo dewa holo i.e .CAPITAL, LEVERAGE,
FUNDING & LIQUIDITY
4) CRAR & BASEL II er 3 te PILLAR chara aro kichu TOOLS introduce kora holo i.e. Liquidity
Coverage Ratio, Counter Cycle Buffer, Capital Conservation Buffer & Leverage Ratio.
5) CRAR er Minimum Requirement hoe daralo 10.5% to 13%, Er moddhe minimum TIER-I
Capital should be = 6% (According to BCBS)
6) India te CRAR er Minimum Requirement hoe daralo 11.5%, Er moddhe minimum TIER-I
Capital should be = 7% (According to RBI)
7) India te 2019 er moddhe Implement korar Plan ache ar sekhane ja Capita lagbe setai jogar
korte problem hchhe, Ei jonnyoi Bank Privatisation er golpo sona jachhe jate Govt Stake komie
sekhane Pvt Players der ene Market theke besi Fund Raise kora jai.
( Doya kore eta nie keu comment korte jaben na)
8) Capital Conservation Buffer = Additional 2.5% Reserve Buffer to Withstand Future Periods of
Stress.
9) Counter Cycle Buffer = It Preserves National Economy from Excess credit growth.. Jodi kono
Country er Credit growth tar GDP er theke faster hoi then bank gulor besi Capital lagbe as credit
bere jachhe tao GDP er thk faster. Tokhon ai Counter Cycle Buffer er dara Bank
Regulator/Central Bank can increase their Capital requirements. Eta vary kore 0% - 2.5%.
10) Leverage Ratio = Ratio of TIER 1 CAPITAL to TOTAL ASSETS.
11) Liquidity Coverage Ratio = Etak introduce korar ektai objective j Jodi kono ekta time e khub
urgent liquidity er requirement hoi then ai ratio er under e jate Adequate High Quality & Higly
Liquid Asset reserve kora thake & setak songe songe cash e convert kore jate sei requirement ta
fulfil kora jai. The standard requires that the ratio be no lower than 100%.
12) MERITS OF BASEL III:-
a) #2, #3, #4 theke bojhai jachhe j Asset Qulaity aro better hochhe
b) Risk exposure aro better hbe
c) CAR er % barai ete Financially Bank gulo aro strong and healthy hobe
13) MERITS OF BASEL III:-
a) Besi porimane Capital lagbe as CAR er % bere gche, etak market theke tola ta ekta boro
challenge jeta Indian Banking System ekhon face korche.

127. IMPORTANT TYPES OF BANK ACCOUNTS AND FEATURES

A. DEMAND DEPOSITS:
(I) Savings Bank Account
a) Kon kon khetre Savings A/c khola jabe & kon khetre noi seta as kori sobai jane, na janleo Net
e search mere dekhe nite paro. Lomba List ache. Ami ekhane koekta bole dichhi.
b) You Can Open Individual, Minor, illiterate, SHG etc
c) You Can Not Open Jegulo niche Current Account e bolbo ogulo, Any kind of Business
Concern, Municipal Corporation, Panchayat sammittee, State Electricity/ Housing Board,
Government Departments, Water/Drainage/Sewage Board, Industrial Development Authorities,
Metropolitan Development Authorities etc etc
d) Savings A/c onk typer MODE OF OPERATION hoi FOR DEBIT (-) / WITHDRAWL Only,
Account e taka joma je keu ese korte pare Jodi Voucher thikthak fillup kora thak. Different Mode
of Operations er moddhe kichu Important holo-
SELF Nijer name e account khulle nijei operate korbe,
 JOINTLY Dujoner Name e account khulle dujon eri signature lagbe,
EITHER Or SURVIVOR Dujoner Name e account khola hoeche but jekno ekjoner Signature
holei cholbe.
FORMER Or SURVIVOR Ram (1st Holder) & Shyam (2nd Holder) er Name e Account
Open kora hoeche to withdrawl korte hole Ram er signature mandatory, Shyam er ta na holeo
cholbe. But Ram more gele then oi Survivorship Clause e Shyam operate korte parbe after
submitting Death Cert of Ram & Proper verification by bank officials.
LATER Or SURVIVOR Jodi Shyam 1st Holder & Ram hobe 2nd Holder hoi then ekhane
Ram er bodole Shyam er signature lagbe withdrawl e, Shyam more gle Ram authority pabe like
previous one.
FIRST TWO JOINTLY (More than 2 Account holder hole)
FIRST THREE JOINTLY (More than 3 Account holder hole)
ANY TWO JOINTLY
ALL JOINTLY
Erokom aro onk ache, list er sesh nei.
e) Interest calculate kora hoi daily basis e.
f) Interest ta Account e Credit hoi Half-yearly basis e i.e. JULY & JANUARY month e. JULY te
Credit hoi Interest for (January to June), JANUARY te Credit hoi Interest for (July to December)
g) Jodi Account Open korar 3 month er moddhe Account Close kora hoi or, Oi Particular half-
year e Interest less than Rs. 1/- hoi then Kono Interest Credit hobena.
h) Maximum No. of Withdrawls allowed = 50 times in a Calendar Year (January to December) i.e.
Ekta Single Calendar Year e Jodi 50 barer besi ekta Savings A/c theke taka Withdraw kora hoi
then sei customer k proper Service Charge dite hbe & System automatic ai charge ta account
theke kete nebe.
i) First time PASSBOOK ta free of cost e dewa hoi, but harie gele DUPLICATE PASSBOOK
issue korte Proper Service Charge dite hobe Customer k.
j) Mainly 2 vabe Withdraw kora hoi Savings A/c theke CHEQUE & WITHDRAWL SLIP.
k) CHEQUE hole withdraw te kono problem nei, Payee k payment korbo
l) But WITHDRAWL SLIP e payment nite hole Customer k nijkei aste hobe Bank e tao with
Passbook, otherwise payment hobena
m) In urgent case, Jodi Customer aste na pare but Withdrawl e signature ache Customer er,
kintu onnyo keu ekjon payment nite eseche oi Customer er behalf e. Erokom hole Jodi Branch
Manager er chena porichito ba, Local lok hoi then Branch Manager tak upto Maximum 5000/-
obdhi taka withdraw korar jnnyo permission dite pare. Etak bole THIRD PARTY PAYMENT. Er
Maximum Limit 5000/- with Managers Permission. Ekhane Payment korar age oi Withdrawl er
pichone 3rd Party er 2 to Signature nite hobe.
n) Metropolitan/Urban/Semi-Urban/Rural Area onuzai & Only Savings Account/ Savings
Account with Cheque Book Facility / Savings Account without Cheque Book Facility / Pension
Account with Cheque Book Facility / Pension Account without Cheque Book Facility Eigulor
Upor Depend kore Savings Bank Account e ekta MINIMUM ACCOUNT BALANCE Maintain
korte hoi, jeta korte na parle MINIMUM BALANCE CHARGE kata hobe Account theke (Except
Zero-Balance Account). Eta system katbe.
o) Account Jodi INOPERATIVE/DORMANT thak taholeo INOPERATIVE CHARGE kata hobe.
Etao System Automatic kete nebe.
p) Account Jodi Open korar within 12 Months er moddhe Close kora hoi then ekta Penalty
Charge kata hobe.
q) ACCOUNT HOLDER er death hole sei taka pabe NOMINEE or, LEGAL HEIR Etak
DECEASED CLAIM SETTLEMENT bole.
Claim amount Upto Rs. 50000/- hole koekta format ache ogulo fillup korte hobe Legal-Heir k,
Jodi more than one Heir thak then legally je first payment pabe tak dewa hobe & baki der No-
Objection Cert nite hobe tao abar Samp-Paper e, Branch theke Inspection e jawa hobe maal ta
adeo moreche kina seta dekhte, Deceased/Legal-Heir/Family Members sobar FULL KYC submit
korte hbe.
Claim amount more than Rs. 50000/- hole ekta INDEMNITY BOND nite hobe & formality aro
bere jabe & Claim more than Rs. 1,00,000/- hole respective Controlling Office sanction kore
normally.
r) Ajk Jodi tomar name e ekta account thak and pore tumi tomar bou er sthe joint account korte
chao then tar jnnyo tomak service charge dite hobe, abar er ulto tao hoi j bou er name chilo,
ekhon ota kete die chele er name dhokabe sekhaneo charge dite hobe. Mane Addition/Deletion
of name er jnnyo taka dite hbe & sob khetre 1st Holder of that Account er kothai sona hobe.
(II) Current Account
a) No Limitaion in Withdrwal frequency UNLIKE 50 times of Savings a/c ( imp)
b) Interest pay kora hoina UNLIKE Savings a/c (#imp)
c) But RRB Jodi kono Current Account maintain kore then ete interest pay kora jai as advised by
the Head Office of Bank.
d) Minimum balance maintain korte hbe as per Types mentioned in Savings Account.
e) Individual, Sole-proprietorship, Partnership Firm, HUF, Limited Company, Clubs, Societies,
Associations, Schools, Trust eder name e Current account khola jabe. For details,,
( Please Refer 98 of Pinned Post)
f) Illiterate Person k die khola jabena Current Account.
B. TERM DEPOSIT:
(I) FIXED DEPOSIT
a) Sobai jano eta nie asa kori, Ekta Lump sum amount at a time joma dite hobe for a particular
period.
b) Dui dhoroner jinis ache ekta TDR (Term Deposit Receipt) & another one is STDR (Special
Term Deposit Reciept)
c) Jodi tumi chao j Rs. 50000/- taka k 5 years er jnnyo fixed korbe but Interest ta jate monthly
basis e tomar Savings Account e Credit hoe jai then it will be treated under TDR & ete tumi
SIMPLE INTEREST pabe. But,,,,Jodi tumi chao j Rs. 50000/- taka k 5 years er jnnyo fixed korbe
kintu Interest ta tumi ekdom 5 yrs sesh e eksthe tulbe, monthly interest tomar chaina , then it will
be treated under STDR & ete tumi COMPOUND INTEREST pabe. Compounding ta Quarterly
hobe mane, first First 3 month er interest ta principal er sthe add hoe jbe and 4 no month theke oi
combined Principal + Interest Amount er upor Interest Calculated hobe. Erokom vbe cycle ta
cholbe upto maturity date.
d) So, eta bojhai gelo j STDR is more profitable than TDR
e) You Can Open Individual, Jointly, Minor of 10 yrs and above Self Operations, Minor of less
than 10 years hole under Natural Guradianship hobe, Illiterate, Club, Society, Association,
Partnership Farms etc etc.
f) Passbook debona, Fixed Deposit Reciept debo
g) Nomination Facility ache.
h) Interest earned on Fixed deposit is TAXABLE i.e TAX LIABILITY ache
i) Minimum & Maximum Deposit Amount and Interest rate depend upon Deposit- Scheme &
Period of Deposit
j) Maximum = 10 years, Minimum = 7 days (For Amount more than 15 Lakhs) otherwise,
Minimum = 15 days (For Amount less than 15 Lakhs)
k) Staff/Ex-Staff/Senior Citizen hole Extra % Interest dewa hobe
l) Extension kora jabe Jodi maturity hoe jai But, jodi Pre-mature withdrawl hoi then Penal Interest
Charge hobe.
m) Upto 49,999/- obdhi amount er Jodi FD korte chao then CASH-PAYMENT kore korte paro but
er upore gelei Customer er SAVINGS ACCOUNT thaka MANDATORY, Taka ta direct SAVINGS
ACCOUNT DEBIT (-) hoe FD ACCOUNT CREDIT (+) hobe i.e. TRANSFER TRANSACTION & in
that case Customer er PAN CARD thaka mandatory.
n) Maturity hole upto Rs. 20000/- obdhi Jodi Matured Amount hoi then CASH-PAYMENT kora
jabe mane oi Customer er Savings Account na thakleo cholbe But Rs. 20000/- er besi matured
amount hole Customer er Savings Account thaka MANDATORY, 20000/- er upor jekno payment
korte hole direct Customer er SAVINGS ACCOUNT e TRANSFER i.e. CREDIT korte hobe ,
Debit hobe FD A/c.
o) Kono ekta SINGLE CUSTOMER er sob kota FIXED DEPOSIT mile YEARLY INTEREST Rs.
10000/- er besi hole tar thke Form 15G / 15H (Senior Ctzn) Joma nite hobe & system e entry
korte hobe otherwise TDS (Tax Deducted at Source) kete nebe Income Tax Dept, then Customer
ese tomak khisti korbe so eta jate alltime mathai thak.
p) FD er against e Loan newa jbe that will be Demand Loan, Loan er maturity period hobe FD er
maturity date. Type Of Security holo -PLEDGE
(II) RECURRING DEPOSIT-
a) Jader kache at a time besi taka nei tara monthly basis e taka joma korte pare for a particular
period that is called Recurring Deposit,,,best for Salaried Person.
b) Nomination ache
c) Passbook debo
d) You Can Open Individual, Jointly, Minor of 10 yrs and above Self Operations, Minor of less
than 10 years hole under Natural Guradianship hobe, Illiterate, Club, Society, Association,
Partnership Farms etc etc.
e) Minimum & Maximum Deposit, Interest rate depen korbe oi Deposit scheme & Period of
Deposit er upor.
f) Staff/Ex-Staff/Senior Citizen hole Extra % Interest dewa hobe
g) Minimum Period = 12 Months, Maximum Period = 120 Months.
h) Exception = Minor with Natural Guardianship account e more than 120 Months er jonnyo khola
jbe but in multiples of 3 Months jate Minor ta Majority attain korar time pai (With Special
Permission from Manager).
i) Recurring er Interest gulo NOT TAXABLE i.e. NO TAX LIABILITY.
j) Every month e time moton installement na dile Penalty charge hobe as LATE FINE
k) Pre mature Closure hole Penal Interest Charge hobe i.e 9% interest debar kotha bolle seta 8%
dewa hobe erokom.
l) Matured amount Rs. 20,000/- er besi hole taka ta like FD customer er Savings e Credit korte
hbe
m) RD er against e Loan.newa jbe..Demand Loan hbe,,,,Loan Period hbe upto RD er maturity
date

128. FAKE / COUNTERFEIT NOTES HANDLING PROCESSES AS A BANKER

Tumi Jodi Cashier hisabe Cash-reciept e boso ar tomar kache Fake Note ase then tomar ki ki
koronio ache seta amra alochona korbo. Bparta onkgulo level e hoi
1) BANK BRANCH LEVEL
2) CURRENCY CHEST / BACK OFFICE LEVEL
3) REPORTING TO POLICE
4) BANK HEAD OFFICE LEVEL
5) COMPENSATION LEVEL
1. BANK BRANCH LEVEL :-
A. Fake Note dhorte parle seta konodin vul koreo sei Customer k ferot debena. Tumi Machine e
ba, manually check kore bujhte parle j Note ta fake/counterfeit. Songe songe note tak nie nebe &
customer k bolbe j ata fake note, eta amra nie nilam, as RBI er kache pathate hbe according to
Master Circular of the RBI. Customer k bolbe j ar ekta alternative Note dite otherwise ai fake note
ta count hobena. Ar er jonnyo Customer k kichu receipt copy/slip/acknowledgement typer kichu
dite hbena. Ebar prosno holo onk branch e machine thakena to manually ki ki features dekhte
hobe Note er?? Emnite onk features ache but sob dekhle customer tomak juto khule kelabe. So
Faster way te dekhte gele Note er bundle e note gulo count korte korte mainly 4 jinis dekhte hbe
jeta by Practice asbe, theory pore hbena. 3 te jinis holo-
GREEN STRIP = Most Important > 500 & 1000 er Note e j GREEN STRIP ache seta light e
felle COLOUR-CHANGE hobe & oi STRIP tak angul die or, onnyo kichu die ghosle seta uthe
asbe NA as ota inbuilt thak ORIGINAL NOTE e. Fake Note hole NO-COLOUR CHANGE &
GREEN STRIP TA GHOSLE UTHE ASBE.
NUMBER SIZE = Note er Right hand top & Left hand bottom e NOTE er NUMBER printed
thak. FAKE NOTE hole sei NUMBER ta ektu choto-boro hobe, ORIGINAL e seta ekdom
UNIFORM thakbe, 0.0005 micro centimetre er o kono choto-boro hbena.
PAPER-QUALITY = Fake Note er Paper ta ektu mota ba thick hobe original er tulonai.
RESERVE BANK OF INDIA bole jeta lekha thakbe ekdom majhkhane uporer dik e sei khane
haat dile ektu ROUGH ba, KHOSKHOSH e bole mone hobe ORIGINAL NOTE e,,,But FAKE
NOTE e seta Rough thakbena.
B. Achha to tumi ebar Fake Note dhorte parle , now send it to Local Currency Chest/ Back Office.
Maintain a Registar for that.
Important Branch Level e tumi Jodi fake note dhorte na paro ar seta pore currency chest e
dhora pore then dhora hbe j bank o ete samil ache ar concerned Head Cashier k oi Fake Note er
equivalent taka pay korte hbe tao nijer pocket theke
2. CURRECNCY CHEST LEVEL:-
A. Chest e ai Note gulor detailed verification kora hbe through advanced machines & to judge
that kon kon security features k violate kora hoeche. Finally chest theke confirmation asbe j Note
ta satti fake ki noi..! Ulitimate Confirmation Chest i debe.
B. Now, Chest bole dilo j Note ta Fake & as per RBI guidlines ai Note er upor ekta STAMP mara
hobe jeta hbe COUNTERFEIT BANK NOTE IMPOUNDED, dimension hobe 5 cm 5 cm and ai
STAMP e aro lekha thakbe like BANK/TREASURY Name, BRANCH/CURRENCY CHEST NAME
with Concerned Officials Signture & Date.
3. REPORTING TO POLICE STATIONS:-
A. Chest confirm kore dilo j hae Note gulo Fake. Next step holo j Jodi ekta SINGLE
TRANSACTION e Upto 4 PIECES Fake Note pawa jai then er ekta CONSOLIDATED
REPORT prottyek month er sesh e LOCAL POLICE STATION or, NODAL POLICE STATION e
pathate hobe. Ar eta jabe through DESIGNATED NODAL BANK OFFICER.
B. Jodi number ta 5 PIECES OR, MORE hoi then eisob habijabi report er sthe sthe FIR o lodge
korte hbe....Ebar koekta prosno asche nischoi-
Prottyek BANK, District wise ekjon NODAL BANK OFFICER k designate korbe & seta LOCAL
REGIONAL OFFICE of the RBI & LOCAL POLICE STATION e janate hbe. Fake Note er sob
kichu ai Officer er upor die jabe.
NODAL POLICE STATION er list o pawa jabe Local RBI Office theke.
CONSOLIDATED mane holo per month e orkom typer (type means each & every
transactions where you have detected fake Note upto 4 pieces / 5 or, more than 5 pieces) kota
transaction hoeche tar ekta sommilito report.
4. BANK HEAD OFFICE LEVEL:-
RBI guidlines onuzai sob Bank k tar HEAD OFFICE e ekta FORGED NOTE VIGILANCE
CELL established korte hobe.
Designated Nodal Officer k eisob j branch wise COUNTERFEIT NOTE er report gulo Nodal
Police station e pathate hoi,,,seisob report er ekta CONSOLIDATED REPORT send korte hoi ai
Forged Note Vigilance Cell, Head Office e.
Ai CELL sob Report gulok eksthe compile kore ekta COMPILED REPORT send korbe
RESERVE BANK OF INDIA & FINANCIAL INTELLIGENCE UNIT, MINISTRY OF FINANCE,
GOVERNMENT OF INDIA er kache
Forged Note Vigilance Cell k abar Chief General Manager, RBI er kache Quarterly basis e
sob Counterfeit Note er progress report send korte hoi.
Ai Forged Note Vigilance Cell , Bank er Chief Vigilance Officer k time to time inform kore jai.
Variuos Currency Chest gulote surprise visit kore & check kore kichu gorbor ache kina.
Branch gulote proper infrastructure like ULTRA-VIOLET LAMP, NOTE COUNTING MACHINE
(With Dual-Display Facility: One Display for Cashier & One for Customer), FAKE NOTE
DETECTION MACHINE esob ache kina seta dekha.
RBI Guidlines gulo thikthak implement kora & Police authorities and Nodal Officers er sthe
cooperate kore Counterfeit Note er Follow up case gulo dekha.
5. COMPENSATION LEVEL:-
Bank TOTAL AMOUNT OF COUNTERFEIT NOTES DETECTED & Reported to RBI &
POLICE AUTHORITY er 25% Commission pabe RBI er theke. Ei Commssion kintu TOTAL
NOTIONAL/THEORETICAL AMOUNT OF COUNTERFEITED NOTES OF RS. 100/-
DENOMINATION AND ABOVE er upor hobe, No of Notes er upor noi.
Ai Compensation/Commission ta claim kora hobe only Individual Bank-Head Office er
FORGED NOTE VIGILANCE CELL er through die , era each & every month er total Commission
Amount ta claim korar jnnyo E-Mail korbe RESERVE BANK OF INDIA k tao abar next month er
15 days er moddhe.
RBI er Department of Currency Management; ei Reimbursement ta korbe.
Must Remember Points
A. Fake Note er jonnyo ekta alada Registar banate hobe both Branch Level & Chest Level
B. Jodi konodin FOREIGN CURRENCY fake dhora pore (Normal Branch level e hoina, Foreign
exchange er kaj jesob branch e hoi sekhane hote pare), then report krte hbe INTERPOL DEPT,
CBI er kache.
C. Cash Counter e bosle always DEBIT-CREDIT sob dhoroner Voucher er back side e
Denomination of Notes likhe debe like tumi kauk 10000/- taka payment korle then likhe dao ki ki
denomination er Note kota diecho like 500/- takar 20 ta naki 1000/- takar 10 ta naki 100/- takar
100 ta.
D. Cash-Counter er Gate always lock and key kore rakhbe jokhon tumi counter e thakbena.
E. Physical cash sobsomoy drawer er mddhe rakhbe jate jono chor customer baire haat barie nie
na nei.
F. 50000/- and above trabsaction e PAN CARD Must.....

129. TDS - TA E UCTE AT SOURCE

1. TDS is applicable for all Term Deposits except Recurring Deposit

2. Applicable to all Accounts opened on or, after 01-07-1995 & renewed on, or after 01-01-1996
3. Exceptions (kokhon TDS katbena i.e. ZERO TDS)
I. Form 15G / 15H (Senior Citizen) submit korle TDS katbe na
II. If Depositor is Bank, Cooperative Bank, Central & State Finance Corporation, LICI, GIC, Any
Company or Co-operative Society enagaged in Insurance Buisness etc.
4. TDS is applicable on the Aggregate Amount i.e. Total Amountof Interest Paid , Per Depositor,
Per Branch, Per Financial Year Basis. Means eta per Branch basis e calculation kora hoi. Tai
Different Bank hole alada alada 15G/15H joma dite hobe. Same bank er different branch hole
onkgulo FD thakle ekta branch e 15G/15H joma die tate oi Bank er sobkota FD er Account
Number er Declaration dilei hobe, oi branch tokhon customer er CBS-ID te e 15G/15H dhukie
debe,,,sob branch e gie alada kore r joma dite hbena. 15G/15H joma dewar mane holo your
income is below the taxable income.
5. Joint Account hole 1st Holder er PAN Number will be liable for TDS .
6. Jodi kono manusher ekta single financial year er total amount of interest earned Rs. 10,000/-
ba tar beshi hoi tokhoni seta TDS er under e payable i.e. TDS-PAYABLE slab er moddhe pore
jbe.
7. TDS Eligible hole then Total Interest Amount er 10% (For Individual Account) / 23% (For
Company Account) amount TDS hisabe kete newa hobe.
8. Jodi PAN number na thak then 20% of total interest amount , TDS kete newa hobe jeta PAN
thakle hoto 10%, as mentioned above (With effect From 01-04-2010).
8. Jokhoni Customer account e Interest ta Credit hobe tokhnoi TDS kete newa hobe.

130. INTEREST IN EDUCATION LOAN

1. "Repayment holiday" bole ekta jinis ache jeta holo REPAYMENT HOLIDAY = (Course Period
+ Moratorium Period)
2. Moratorium period hcche course sesh hbar por student k ekta time dewa hoi jate se chakri
peye settle hte pare that is called MORATORIUM PERIOD,,,,Sob loan ei erkm ekta grace period
thak jetak moratorium period ble
3. MORATORIUM PERIOD in Education loan = "1 yr" or. "6 months after getting the job"
whichever is earlier.
4.Normally 1 yr i hoi moratorium,,,then suppose course is B.Tech i.e. 4 yrs Course and
Moratorium is 1 yr.....In that case REPAYMENT HOLIDAY = 4 + 1 = 5 years
5. During this "5 years" INTEREST hobe SIMPLE
6. Ai "5 years" er por theke EMI start hobe as well as INTEREST ta hbe COMPOUND...