RbZv e vsk wjwg UW cªavb Kvh vjq, XvKv

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1 RbZv e vsk wjwg UW cªavb Kvh vjq, XvKv m~î t AviwmwW-3/bxwZgvjv I eivï ( )/K.I c.f./nvwjg/2015 wi UBj Kv gvi wwcvu g U-3 ZvwiL t 09/08/2015 wlªt gnve e vck Dc-gnve e vck mnkvix gnve e vck RbZv e vsk wjwg UW, mkj wefvmxq/gwiqv Awdm, evsjv `k welq t A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year wcªq g nv`q, K wl evsjv ` ki A_ bxwzi Ab Zg cövykw³ K lk I K wli Dbœq bi m ½ evsjv ` ki wecyj RbmsL vi Lv` wbivcëv cöz ÿfv e RwiZ Lv` wbivcëv, Kg ms vb m wó I A_ bwzk cöe w ervq ivl Z GB Lv Zi iæz A bk ewk Kbbv, ` ki Lv` k m i Pvwn`vi cövq 95% mieivn K ib G ` ki K lk GLbI kzkiv cövq 70 fvm RbmvaviY cöz ÿ I c ivÿfv e K wli Dci wbf ikxj evsjv ` ki cjøx GjvKvq ewkifvm Rbmvavi Yi RxweKv wbe v ni cöavb Dcvq n Q K wl I MÖvgxY Avq Drmvix Kg KvÛ ZvB K wl I cjøx Lv Zi Dbœq bi gva g G ` ki wekvj Rb Mvôxi Kg ms vb m wó, Lv` -wbivcëv I cywó wbwðzkiy m e ZvQvov, K wli Drcv`b e w K i wekvj Rb Mvôxi Lv` -wbivcëv wbwðz Kivi cvkvcvwk cjøx GjvKvq Avq Drmvix Kg KvÛ cömv ii gva g AwaKZi ^Kg ms vb m wó K i RvZxq A_ bwzk cöe w K AviI greyz Kiv m e Avi K wl I cjøx Lv Zi Dbœq bi Rb K wl I cjøx FY iæz c~y DcKiY GQvov, we` gvb Lv` mieivn cwiw wz ervq i L g~j ùxwz mnbxq ch v q ivlv Z_v evsjv `k e vs Ki gy`ªvbxwz ev Íevq bi K wl FY iæz c~y f wgkv ivl Q evsjv `k e vsk KZ K K wl I cjøx F Yi µgea gvb Pvwn`vi K_v we epbvq i L ivóªxq gvwjkvbvaxb evwywr K I we klvwqz e vskmg~ ni ^wba vwiz jÿ gvîv Ges emikvix I we `kx e vskmg~ ni bxu FY I AwMÖ gi GKwU wbw` ó nvi wnmvevqb K i PjwZ A_ eq ii K wl I cjøx FY wezi Yi jÿ gvîv ( lvj nvrvi PvikZ) KvwU UvKv wba viy Kiv n q Q D³ jÿ gvîvi g a Avgv `i e vs Ki A_ eq ii K wl I cjøx FY wezi Yi jÿ gvîv (mvzkz câvk) KvwU UvKv 2.00 evsjv `k e vsk KZ K mikv ii K wl I K wlevüe bxwzi mv _ m½wz i L wemz A_ eq ii ( ) K wl I cjøx FY bxwzgvjv I Kg m~wpi g~j welqmg~n AÿzYœ i L K wl I cjøx FY bxwzgvjv I Kg m~wp Z KwZcq welq ms hvrbc~e K PjwZ A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp cöyqb Kiv n q Q D³ bxwzgvjv I Kg m~wp, dmj Drcv` bi FY wbqgvpvi, dmj Drcv` bi cwäkv I FY cwi kvam~wp, exr Drcv` bi FY wbqgvpvi, exr Drcv` bi cwäkv I FY cwi kvam~wp evsjv `k e vsk Zv `i GwmwW mvk yjvi bs- 04 ZvwiL t 27 RyjvB, 2015 (12 kövey, 1422) Gi gva g Avgv `imn mswkøó mk ji eive i cöiy K i Q evsjv `k e vs Ki D³ mvk yjv ii wb ` kbvi Av jv K AÎ e vs Ki A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp cªyqb KiZt Zv wb œ D jølc~e K mswkøó mkj K cwicvj bi Aby iva Kiv n jv t 2.01 K wl I cjøx FY weziy c wz t cªk Z K lk/fymªnxzv mbv³kiy t kvlvmg~n K wl I cjøx F Yi Av e`bkvix `i RvZxq cwipqcî I K wl DcKiY mnvqzv KvW Gi wfwë Z cªk Z K lk mbv³ Ki e K wl DcKiY mnvqzv Kv W i wecix Z bm` gvî 10/- UvKv Rgv MªnYc~e K Lvjv GKvD Uavix K lk `i FY wezi Yi Î ïaygvî cvkeb Gi wfwë ZB cªk Z K lk mbv³ Kiv hv e RvZxq cwipqcî Av Q wkš K wl DcKiY mnvqzv KvW bb m Î cª qvr b BDwbqb cwil `i Pqvig vb ev vbxq zj/k j Ri cªavb wk K/Aa A_ev e vs Ki Kv Q MªnY hvm e w³i `qv cªz qbcîi cªk Z K lk mbv³ki Yi Kv R e envi Kiv hv e FYMªnxZvi hvm Zv t K wl Kv R mivmwi wb qvwrz cªk Z K lkmy K wl FY cªvwßi Rb hvm e j we ewpz n eb cjøx A j Avq Drmvix Kg Kv Û RwoZivI K wl I cjøx F Yi mswkøó Lv Z FY myweav c Z cv ib Z e, mvaviyfv e Ljvwc FYMªnxZvMY bzzb FY cvevi hvm e j we ewpz n eb bv Av e`b dig mnrxkiy t K wl F Yi Î m ev Ëg MªvnK mev wbwðz Ki Z n e K lk `i K AwaK nv i e vskgylx Ki Z K wl FY, we klzt km /dmj F Yi ÿ Î Av e`b cöwµqv hz`~i m e mnr niqv evãbxq Av e`b dig c~iymn Avbylvw½K Kv R hv Z Kvj cy bv nq m R b Av e`b dig cª`v bi mgqb MªvnK K GZ`msµvšÍ mkj cªkvi wb ` kbv cª`vb Ki Z n e mnvqk Kvb Z _ i cª qvrb n j GKwU gvî ˆeV KB mkj Z_ MªvnK K Rvbv Z n e G cöwÿ Z kvlvq e env ii Rb AbyKiYxq GKwU K wl F Yi (km I dmj F Yi ÿ Î cö hvr ) Av e`bcî cwiwkó- ÔMÕ ms hvwrz Kiv n jv 2q c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 1 -

2 welq t wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year Av e`b dig MªnY, cªvwß ^xkvi I we epbv t mswkøó kvlv wba vwiz FY wbqgvpvi Abyhvqx Av e`bkvixi evwl K cª qvrbxq dmj FY I Ab vb FY GKKvjxb gäyi Ki e Z e, mswkøó dmj Drcv` bi gšmyg ïiæ nevi AšÍZt 15w`b c~ e FY wezi Yi Rb cª qvrbxq e e v MªnY Ki Z n e G j mswkøó kvlvmg~n K lk `i evwl K dmj Drcv`b cwikíbvmn Av e`bcî MªnY Ki e cª qvrb ev a, ciezx Z K lk `i evwl K Drcv`b cwikíbvq hyw³hy³ cwiez bi my hvm `qv hv e Mªvn Ki Av e`bc Îi cªvwß ^xkvi Ki Z n e Av e`bcî cªvwßi ci FY gäyix I wezi Yi g a mg qi e eavb hšw³kxkiy Ges Mªvn Ki Kvb Awf hvm _vk j Zv `ªæZ wb úwëi e e v Ki Z n e we kl K i, km /dmj Pv li Rb F Yi Av e`b `ªæZZg mg q wb úwë Ki Z n e G Î F Yi Av e`b wb úwëki Yi mgqmxgv n e Av e`bcî Rgvi w`b n Z m ev P 10 Kg w`em evwzjk Z Av e`bcî jv evwz ji KviY D jølc~e K iwr v i wjwce K i GKwU dvb j msi Y Ki Z n e evsjv `k e vs Ki cwi`k b `j Ges Avgv `i e vs Ki wbix v ` ji hvpvb qi Rb iwr vimn dvbjwu msi Y Ki Z n e Av e`bcî cªwµqvkiy wd/pvr t K l Ki Av e` bi cöwÿ Z gvî 10 UvKv cöv_wgk Rgvi wewbg q wnmve Lvjv hv e G ai bi wnmve cwipvjbvi ÿ Î Aby Q` G DwjøwLZ kz mg~n cwicvjb Ki Z n e GQvov km /dmj F Yi Av e`bcî cªwµqvki Yi Î kvlv/kvlvmg~ ni mv _ cvu bviwk ci wfwë Z K wl I cjøx FY weziykvix z`ª FY cªwzôvbmg~n KZ K Av e`bcî cªwµqvkiy eve` Kv bv ai Yi wd/pvr avh Kiv hv e bv km /dmj FY (5 GKi ch ší) Av e`bcî cöwµqvkiy Ges FY gäyixi ÿ Î kvlvmg~n wb œwjwlz PvR WKy g U e ZxZ Ab Kvb PvR WKy g U MÖnY Ki Z cvi e bv t wwwc bvu (10 UvKv _ K 50 UvKvi v ú/mikvwi wb ` kbv gvzv ek) juvi Ae nvb cvw_ Kkb ( v ú cö qvrb bb) juvi Ae M vivw U e w³mz ( v ú cö qvrb bb) F Yi m ev P mxgv t dmj Drcv` bi Rb GKRb K lk K mvaviyfv e m ev P 15 wenv (5 GKi ev 2 n±i) Rwg Pvlvev `i Rb wbqgvpv i wba vwiz nv i FY cª`vb Kiv hv e DwjøwLZ cwigv Yi P q e n`vkvi Rwg Z K wl F Yi Av e`b kvlv/gwiqv/wefvmxq Awdmmg~n Zv `i gäyix gzvi AvIZvq cªpwjz k Z we epbv Ki Z cvi e wmavbwe wi cvwu s I wmavbwe Bb K vqvix t ïaygvî km /dmj Pv li Rb m ev P 1.50 j UvKv ch ší ^í gqv`x K wl F Yi Î wmavbwe wi cvwu s I wmavbwe Bb K vqvixi cª qvrb co e bv Z e, Ljvwc FYMªnxZv hv Z K wl FY bv cvb m e vcv i mswkøó FY weziykvix kvlv K wbwðz n Z n e RvgvbZ t mvaviyfv e 5 GKi ch ší Rwg Z Pvlvev `i Rb dmj F Yi Î ïay mswkøó dmj `vqeüb (Crop Hypothection) Gi wecix Z FY cª`vb Kiv hv e Z e 5 GKi Gi ewk Rwg Pvlvev `i Rb FY cª`v bi Î RvgvbZ MªnY Kiv/bv Kivi welqwu kvlvmg~n wb RivB cªpwjz k Z e vsk MªvnK m ú K i wfwë Z wba viy Ki e K wl I cjøx FY Kg m~wpi AvIZvq Avq-Drmvix Kg Kv Û FY cª`v bi Î MÖæc/e w³mz M vivw U Mªn Yi welqwu we epbv Ki Z n e FY wezi Yi Rb eivïk Z GjvKv t ÔjxW e vskõ c wzi AvIZvq mswkøó kvlvmg~n Zv `i AbyK~ j eivïk Z BDwbqbmg~ n dmjmn K wli wewfbœ Lv Z FY cª`vb Ki e Z e, Ab e vsk kvlvi bv g eivïk Z cvk ezx BDwbq b Kvb AvMªnx Av e`bkvix K mswkøó kvlvi AbvcwËcÎ `vwlj mv c FY cª`vb Kiv hv e GRb cvk ez x e vsk kvlvmg~ ni g a FYMªnxZv `i ZvwjKv wewbgq Ki Z n e GQvov, ez gv b emikvix I we `kx e vskmn evsjv ` k Kvh iz mkj Zdwmjx e vs Ki Rb K wl I cjøx FY weziy eva Zvg~jK niqvq jxw e vsk c wzi AvIZvq h BDwbqb h e vsk kvlvi AbyK~ j eivïk Z mb e vsk kvlv n Z AbvcwËcÎ wb q D³ GjvKvq emikvix I we `kx e vskmg~n K wl I cjøx FY weziy Ki e K wl FY cvk eb t K wl FY Kg m~wpi AvIZvq FY cª`v bi Rb Ôcvk ebõ Avek K Ges GZ`&msµvšÍ we` gvb mkj wbqgkvbyb h_vh_fv e cvjb Ki Z n e bzzb FYMªnxZv `i Î Aek B cvk eb Bmÿ i gva g FY weziy Ki Z n e D jøl _v K h, cvk eb qi wekí wn m e e vsk U g U MÖnY hvm n e dmj Drcv`b cwäkv gvzv ek h_vmg q FY weziy t e vsk kvlv KZ K h_vmg q myôzfv e FY weziy, Z`viwK I Av`vq Kvh µg cwipvjbvi j GKwU dmj Drcv`b cwäkv cwiwkó ÔXÕ GZ`&m ½ mshy³ Kiv nj Z e mswkøó dm ji Rb FY weziykvj I cwi kvam~px vbxq Ae vi cªw Z kvlvmg~n wb RivB cwiez b Ki Z cvi e AÂj f ` km ecb/ ivc Yi Av`k mgqkv ji ZviZg I cªvk wzk `y h v Mi Kvi Y km ecb/ ivcy wejw ^Z n j ev cybt ivc Yi cª qvrb n j Zvi Rb hšw³k mgq ch ší FY weziy Kiv hv e wgkª dmj/mv_x dmj/wi j Pvl t h mkj A j g~j dm ji cvkvcvwk GKB mg q GKB Rwg Z Ab GKwU mv_x dmj Drcv`b m e m mkj GjvKvq AvMªnx K lk `i K g~j dm ji Rb cª`ë F Yi mv _ mv_x dmj Pv li Rb AwZwi³ FY cª`vb Kiv hv e G Rb mshy³ cwiwkó ÔYÕ Z ewy Z mv_x dm ji FY wbqgvpvi AbymiY hvm D³ cwiwk ó D jøl bb Ggb wgkª dmj/mv_x dmj/wi j Pv li Î vbxq Dc-mnKvix K wl m úªmviy Kg KZ vi mv _ civgk µ g kvlv cª qvrbxq e e v MªnY Ki e 3q c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 2 -

3 welq t - 3 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year km eûgylxkiy (Crop Diversification) t `k K Lv` Drcv` b `ªæZ ^q i Kiv Ges RbM Yi Rb mylg I cywóki Lv` mieivn wbwðzki Yi j Avjy, Wvj, ˆZjexRRvZ Lv`, fzæv BZ vw`i eûgylx e envi RbM Yi g a Rbwcªq Kivi Rb Ôkm eûgylxkiy Kg m~wpõi gva g D³ dmjmg~ ni Drcv`b e w Kiv GKvšÍ cª qvrb kvlvmg~n Zv `i mvaviy FY Kvh µ gi cvkvcvwk D³ jvfrbk dmjmg~ n FY cª`v b AwaKZi iæz Av ivc Ki e Gwiqv G cªvp c wzi e envi t AÂjwfwËK dmj Drcv`b, dm ji aiy A_v r h GjvKvq h dmj fvj Drcv`b nq m jv K iæz w` q Area Approach c wz Z ev ÍewfwËK K wl FY weziy Ki Z n e h mkj GjvKvq ch vß kvk-mewr, cuqvr, Av`v, imyb, WvjRvZxq km, Kjv, Kgjv, AvMi, cvb-eir, gwip, Avjy BZ vw` dmj Drcv`b nq, m mkj GjvKvq Hme dm ji Rb ch vß FY weziy Ki Z n e G wel q cª qvr b K wl m úªmviy Awa`ßi _ K G msµvší ZvwjKv msmªnc~e K e e v MÖnY Ki Z n e ZvQvov, mswkøó GjvKvq emev mi gva g AwR Z cªz Ávb I AwfÁZv KI G Î Kv R jvmv Z n e K wl F Yi Core Lv Z FY weziy t K wli cªavb (Core) 3wU Lv Z (h_v- km, grm I cªvwy m ú`) Ab vb Lv Zi P q FY wezi Y AMªvwaKvi w` Z n e ^ Q cöwµqvq K wl FY wezi Yi e e v MÖnY t cök Z z`ª K lk Ges em vpvwliv hv Z mn R Ges mgqgz ^ Q cöwµqvq K wl FY we kl K i km I dmj FY cvb Zv wbwðz Kivi Rb hz`~i m e BDwbqb ch v q vbxq RbcÖwZwbwa, K wl mswkøó Kg KZ v, wk K Ges Ab vb MY gvb e w³e M i Dcw wz Z K wl FY weziy Ki Z n e cö qvr b vbxq nv Ui w`b mswkøó e vsk kvlvi Kg KZ viv K v ú K i K wl FY msµvší Z_ cöpvi I FY weziy Ki Z cv ib dvbb vwýqvj BbK yk bi Ask wn m e 10 UvKvq Lvjv K lk wnmveavix `i K D³ wnmve Gi gva g FY weziy Ges wnmve mpj ivl Z Drmvn cª`vb t dvbb vwýqvj BbKy k bi Ask wn m e wewfbœ e vs K 10 UvKvq Lvjv K lk wnmv ei gva g fz ykx Rgv QvovI FY cª`vb, mâq Rgv, iwg UÝ Rgv BZ vw` ^vfvwek e vswks Kvh µg DrmvwnZ Ki Z wb œv³ c` cmg~n MÖnY Ki Z n e t- K wl FY Kvh µ g ^ QZv evov Z h mkj K l Ki G ai bi wnmve i q Q Zv `i K we kl e wzµg Qvov Gme wnmv ei gva g K wl FY weziy Ki Z n e wnmvemg~ ni jb `b e w i j Gme wnmv ei Dci mvaviy mâqx wnmv ei P q 1-2 kzvsk ewk nv i mỳ cö`vb Ki Z n e (wb ` k weáwß bs- 261/11 ZvwiL- 11/01/2011 Abyhvqx) G wecyj cwigvy wnmve mpj ivlvi Rb K l Ki dmj wewµi UvKv ev Zv `i Mw QZ UvKv Gme wnmv e Rgv, iwgu v m Av`vb-cÖ`vb BZ vw` ^vfvwek e vswks Kvh µ g Zv `i DØy Kivi gva g MÖvgv j un-tapped savings msmö n kvlvmg~n K D` gx f~wgkv cvjb Ki Z n e kvlvmg~n K G ai bi wnmv e iw Z mâ qi 90 kzvsk ch ší ^ímy ` A_ vr Avgvb Zi Dci cö `q mỳ nvi A c v gvî 2% ewk nvi my ` FY myweav cö`v bi e e v MÖnY Ki Z n e G Î AviwmwW mvk yjvi bs- 40/13 ZvwiL- 08/01/2013 Gi bxwzgvjv AbymiY Ki Z n e G wnmve jv Z b~ bzg e v jý ivlvi Kvb eva evakzv Ges Kvbiæc PvR ev wd Av ivc Kiv hv e bv G ai bi wnmv e 1 j UvKv ch ší w wzi Î AveMvix ïé/ jwf KZ b iwnz Kiv n q Q K l Ki wnmve jv K KL bvb BbAcv iwuf ev Wi g U Kiv hv e bv K lk `i wkÿvi welqwu we epbvq wb q Zv `i K P Ki e` j bm` D Ëvjb fvdpvi `qv hv e Z e, h mkj K lk PK eb Pvq Zv `i K PK eb `qv hv e 10 UvKvi wnmve jv mpj ivlvi gva g MÖvgxY A_ bwzk Kg KvÛ K AwaKZi MwZkxj Kivi D Ï k Zv `i K mnrzi k Z FY cö`v bi Rb evsjv `k e vsk wbr ^ Drm _ K KvwU UvKvi GKwU AveZ bkxj cybta_ vqb Znwej (Revolving Refinance Fund) MVb K i Q D jøl, mgqgz mikv ii `qv fz ykx Rgv QvovI ^vfvwek e vswks Kvh µ g `k UvKvq Lvjv K lk wnmvemg~n wkfv e e eüz n Q m e vcv i evsjv `k e vs K cªi Yi wbwg Ë mswkøó kvlvmg~n ˆÎgvwmK wfwë Z weeiyx mieivn Ki Q, hv Ae vnz _vk e AveZ bkxj km FYmxgv c wz t K wl FY wezi Yi Aweivg cªevn wbwðz Kivi Rb 3 (wzb) eqi gqvw` GKwU AveZ bkxj km FYmxgv c wz (Revolving crop credit limit system) cªpjb Kiv n q Q Aweivg dmj Drcv` bi m ½ m ú ³ K lkmy G c wzi AvIZvq FY myweav cv eb AveZ bkxj km FY Kg m~wpi AvIZvq FY wezi Yi Î AviwmwW mvk yjvi bs- 20/09 ZvwiL- 16/02/2009 Gi bxwzgvjv AbymiY Ki Z n e Pzw³e Drcv`b ev K U«v± dvwg s (Contract Farming) Gi mv _ mswkøó K lk `i FY cª`vb t Drcv`bKvix K lk Ges e n`vkv i K wl cy e envikvix cöwzôv bi g a cvi úvwik mg SvZvi wfwë Z Pzw³e Drcv`b ev K Uªv± dvwg s e e v evrvirvzki Yi LiP Kwg q Avbvi gva g K lk `i K Zv `i Drcvw`Z c Y i b vh g~j (Fair Price) c Z f~wgkv ivl Z cv i K wl cy cöwµqvrvzkiy wkí, ißvwb Ges evowz fvm Pvwn`v m wó niqvi Kvi Y wkqy c Y i Î K U«v± dvwg s B Zvg a ek RbwcÖq n q D V Q ov gmjv, evzjrvz Zj, Rym, wpcm&, PvbvPzi, cvwëª wdw BZ vw` wk íi mv _ RwoZ D ` v³vmy K YMZ gvb wvk i L mgqgz cö qvrbxq cwigvy KuvPvgv ji mieivn wbwðz Kivi D Ï k K lk `i mv _ Pzw³e Drcv`b ev K U«v± dvwg s e e vq K wl FY cö`vb Kiv hv e 4_ c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 3 -

4 welq t wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year Pyw³ Z hme wel q D jøl _vk e t Pyw³e Drcv`b e e vi AvIZvq cök Z K l Ki m ½ GKK ev MÖæc wfwë Z µzvi GKwU ˆea Pyw³ (300 UvKv g~ j i bb- RywWwkqvj óv ú ccv i m úvw`z) m úv`b Ki Z n e Pyw³wU Aek B K wl cy Drcv` bi c~ e m úvw`z n Z n e Pyw³ Z wb œv³ welq Aek B D jøl _vk Z n e t- MÖæc wfwëk Pzw³ m úv`bkv j GKB ai bi cy Drcv`bKvix K l Ki mwnz Avjv`vfv e Pzw³ m úv`b Ki Z n e A_ vr GKB Pzw³i AvIZvq cy Drcv`bKvix K l Ki mwnz GKvwaK Pzw³ Kiv hv e bv Pyw³ Z gqv`kvj, Rwgi cwigvy, Zdwmj, Drcvw`Z c Y i weeiy, c Y i YMZgvb, Pvl c wz, km mieivn e e v, c Y i g~j, A_ cwi kva c wz, exgv e e v (km exgv Pvjy niqv mv c ÿ) BZ vw` welq D jøl _vk Z n e G ai bi Pyw³ Z K lk K K wl cy Drcv` bi Î hme mn hvwmzv cö`vb Kiv n e Zv úófv e D jøl Ki Z n e A_ vr hw` K l Ki AbyK j FY cö`vb Kiv nq Zvn j F Yi cwigvy, F Yi my `i nvi, FY mgš^q c wz BZ vw` D jøl _vk Z n e GQvov DcKiY ( hgb- exr, mvi, KxUbvkK BZ vw`) mnvqzvi ÿ Î DcKi Yi bvg, cwigvy, DcKi Yi g~j Ges g~j wkfv e FY cwi kv ai mv _ mgwš^z n e Zv D jøl Ki Z n e K l Ki Drcvw`Z cy Pzw³ Z DwjøwLZ Yv Y Abyhvqx n j/bv n j c Y i weµqg~j wkfv e wba vwiz n e, K lk hw` D³ Drcvw`Z cy Z Zxq c ÿi wbku weµq K i m ÿ Î K l Ki AbyK j cö`ë FY I DcKiY mnvqzv wkfv e mgwš^z n e Zv Pzw³ Z D jøl _vk Z n e FY Ges DcKiY mnvqzv e ZxZ Ab vb mnvqzv hgb- cöwkÿy, DbœZ cöhyw³ e env ii myweav cö`vb BZ vw` cö`vb Kiv n j Zv webvg~ j wkbv A_ev g~j wba viy Kiv n j wk cwigvy Zv Pzw³ Z D jøl Ki Z n e cövk wzk `y h v Mi Kvi Y dmj bó n j wzc~iy ev cöwzkvig~jk e e v m ú K K l Ki AbyK~ j wbw` ó kz D jøl Ki Z n e D ` v³v ev µzvi hvm Zv t iwró«vi Ae R q U K Kv úvwbr GÛ dvg m KZ K iwrwó«k Z Kv úvbx n Z n e K wl cy msi Y, wecyb I cöwµqvrvzki Y ch vß AwfÁZv m úbœ n Z n e gvv ch v q K l Ki m ½ KvR Kivi ev Íe AwfÁZv _vk Z n e Ab vb kz mg~n t K wlwfwëk wk ív ` v³v cöwzôv bi AbyK j FY cö`v bi ÿ Î K wl cy Drcv`bKvix K l Ki m ½ GKK ev MÖæc wfwë Z m úvw`z Pzw³i Kwc evsjv `k e vsk K mieivn Ki Z n e Ges G ai bi cöwzwu FY cö`v bi c~ e evsjv `k e vs Ki m wz Aek B MÖnY Ki Z n e K Uªv± dvwg s Gi AvIZvq K l Ki mwnz MÖæc wfwë Z Pzw³ m úv`b Ki j m úvw`z Pzw³i mwnz K l Ki ZvwjKv AÎ wefv M mieivn Ki Z n e ZvwjKvq K l Ki bvg, wvkvbv I gvevbj b ^i Aek B D jøl _vk Z n e K Uªv± dvwg s Gi AvIZvq cö`ë F Yi ÿ Î K lk ch v q cök Z mỳ nvi (reducing balance c wz Z) wba vi Y evsjv `k e vsk KZ K K wl F Yi Rb wba vwiz m e v P mxgv cö hvr n e DcKvi fvmx K lk `i cö qvrbxq Z_ vejx I wnmve weeiyx mswkøó D ` v³v cöwzôvb KZ K msiÿy Ki Z n e Ges Pvwn`vgZ A_ vqbkvix e vsk K Zv mieivn Ki Z n e K Uªv± dvwg s Gi AvIZvq K wl I cjøx FY bxwzgvjvq DwjøwLZ dmjmg~ ni FY wbqgvpvi AbymiYc~e K FY cö`vb Ki Z n e G ÿ Î wbw` ó dmj Pv l GKi cöwz FY mxgv AbymiY Ki Z n e K Uªv± dvwg s Gi AvIZvq K wl I cjøx FY bxwzgvjvq DwjøwLZ LvZ/DcLvZmg~ ni g a Kej dmj Drcv`b, exr Drcv`b, grm Pvl Ges cövwym ú` Lv Zi AvIZvq Kej `y» Drcv`b Lv Z FY cö`vb Kiv hv e G cöm ½ D jøl h, K Uªv± dvwg s Gi AvIZvq cö`ë FYmg~ ni mø envi hvpvbk í evsjv `k e vsk cö qvrb ev a m irwgb cwi`k b Kvh µg cwipvjbv Ki e GQvov e vskmg~n wb RivI FY wezi Yi ci m irwgb cwi`k b Kvh µg cwipvjbvc~e K D³ cwi`k b cöwz e` bi GKwU Kwc evsjv `k e vs K mieivn Ki e gvb µv µwwu i juix A_wiwU (GgAviG) Gi Aby gv`bcövß ÿz`ªfy cöwzôv bi mv _ cvu bviwk ci wfwë Z K wl I cjøx FY Kvh µg t wemz A_ eqi _ K emikvwi I we `kx evwywr K e vskmn evsjv ` k Kvh iz mkj Zdwmjx e vsk K K wl I cjøx FY Kg m~wpi AvIZvq wb q Avmv nq emikvwi I we `kx evwywr K e vskmg~ ni g a h mkj e vs Ki cjøx A j kvlvi msl v AcÖZzj Zviv gvb µv µwwu i juwi A_wiwU (GgAviG)-Gi Aby gv`bcövß ÿz`ªfy cöwzôvb (GgGdAvB)-Gi mv _ cvu bviwk ci wfwë Z K wl I cjøx FY weziy Kvh µ g AskMÖnY Ki Z cv i m ÿ Î e vsk jv K wb œiƒc Kvh µg MÖnY Ki Z n e t K. GgAviGÕi Aby gv`bcövß ÿz`ªfy cöwzôv bi mv _ cvu bviwk ci gva g K wl I cjøx FY weziykvix mswkøó e vsk KB MÖvnK ch v q FY cušqv bvi welqwu wbwðz Ki Z n e AvswkK ev m ú~y iƒ c ÿz`ª FY cöwzôv bi mv _ cvu bviwk ci gva g K wl I cjøx FY weziykvix Dfq ai bi e vs Ki ÿ ÎB G ixwz cö hvr n e G j ÿ K wl I cjøx FY wezi Yi mv _ mswkøó e vsk Ges ÿz`ª FY cöwzôv bi mywbw` ó Kg cwikíbv Ges gwbuwis c wz _vk Z n e Ges mswkøó e vsk KB G e vcv i cö qvrbxq Z_ /weeiyx evsjv `k e vsk K mieivn Ki Z n e L. GgGdAvB n Z F Yi cwigvy, MÖvnK ch v q F Yi m ve AvKvi Ges FYMÖnxZvi msl v, gqv`kvj, e envi (LvZ-DcLvZ), K lk/mövnk ch v q cö hvr mỳ nvi, cökí GjvKv ( Rjv, Dc Rjv) BZ vw`i D jølmn GKwU mywbw` ó FY cö Ívebvi wfwë Z mswkøó e vsk Zv `i K A_ vq bi wel q we epbv Ki e Ges mswkøó gäywicî/pzw³c Î G e vcv i mȳ úó D jøl _vk Z n e 5g c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 4 -

5 welq t wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year M. mswkøó ÿz`ªfy cöwzôv bi mv _ cvu bviwk ci wfwë Z K wl I cjøx FY wezi Yi ÿ Î cö_gevi A_ Qv oi Av e` bi mgq A_ vqb mswkøó Z_ h_v- FYMÖnxZvi msl v, gqv`kvj, e envi (LvZ-DcLvZ), K lk/mövnk ch v q cö hvr mỳ nvi, cökí GjvKv ( Rjv, Dc Rjv) BZ vw`i mgwš^z Z_ mswkøó e vsk K mieivn Ki e Ges ciez x Z cöwzevi cybivq A_ Qv oi Av e` bi ÿ Î c~ e M nxz A_ vqb cök ZB K wl I cjøx FY Kvh µ g e eüz n q Q g g GKwU cöz qbcî mswkøó e vsk K mieivn Ki e N. e vsk KZ K ÿz`ªfy cöwzôvb K A_ Qvo Kivi ci D³ A_ K lk/mövnk ch v q weziy nevi cib Kej Zv mswkøó e vs Ki K wl I cjøx FY weziy wn m e evsjv `k e vs Ki wbku we ewpz n e O. K wl I cjøx FY weziy jÿ gvîvi 60 kzvsk km /dmj Lv Z wezi Yi e vcv i h wb ` kbv `Iqv i q Q Zv AR b AvswkK ev m ú~y iƒ c ÿz`ªfy cöwzôv bi mv _ cvu bviwk ci gva g K wl I cjøx FY weziykvix e vskmg~nmn mswkøó e vsk K m Pó _vk Z n e G ÿ Î cö qvr b mswkøó ÿz`ªfy cöwzôvb K `vwi`ª we gvpb I Avq Drmvix Kg Kv Û FY wezi Yi cvkvcvwk km /dmj Lv ZI FY wezi Y AskMÖnY Ki Z n e P. GgGdAvB wjs K Ri AvIZvq FY wezi Yi ÿ Î F Yi Overlapping ivak í Z_v F Yi mø envi wbwðzki Yi ^v _ GgGdAvB wbe vp b e vskmg~n K mz K n Z n e 2.02 K wl I cjøx FY Kg m~wp t K wl I cjøx FY Kg m~wpi AvIZvq dmj Drcv`bmn cjøx A ji wewfbœ Lv Z FY cª`v bi Rb wb œv³ bxwzgvjv AbymiY Ki Z n e t Kg m~wpi AvIZvf~³ LvZ/DcLvZmg~n t- K wl I cjøx FY Kg m~wpi AvIZvf~³ LvZ/DcLvZmg~n wb œiæc t km /dmj (avb, Mg, Wvj, ˆZjexR BZ vw`mn cwiwkó- ÔWÕ Z DwjøwLZ mkj dmj); grm m ú`; cªvwym ú`; K wl hš cvwz (e envikvix ch v q cª`ë FY); mp hš cvwz (e envikvix ch v q cª`ë FY); exr Drcv`b (cwiwkó- ÔZÕ Ô_Õ Abyhvqx K lk ch v q cö`v bi Rb ) km `vg I evrvirvzkiy (ïaygvî wbr ^ Drcvw`Z dmj `vgrvzkiy I evrvirvzkiy); `vwi`ª we gvpb I Avq Drmvix Kg KvÛ (cjøx A ji `wi`ª Rb Mvwôi Avq Drmvix Kg Kv Û cª`ë FY); Ab vb (FY wbqgvpv i DwjøwLZ nqwb Ggb AcªPwjZ dmj Pvl/K wl Z cª`ë FY) ^í I ga gqvw` F Yi AvIZvq wewfbœ Lv Z m ve dmj, grm, cªvwym ú`, K wl hš cvwz BZ vw` cwiwkó ÔKÕ Z mwbœ ewkz D jøl, K wl wfwëk wkí LvZ K wl F Yi AšÍf ~³ bq FY wbqgvpvi I F Yi cwigvy wba viy t K wl I cjøx FY bxwzgvjvi myôz ev Íevq b K wl gš Yvj qi Aaxb K wl m úªmviy Awa`ßi n Z cªvß wewfbœ dmjwfwëk K wl DcKiY eve` Li Pi wfwë Z evsjv `k e vsk KZ K cªyxz ÔÔFY wbqgvpviõõ Abyhvqx GKi cªwz wba vwiz F Yi cwigvy, dmj ecb I msm«n gšmyg Abyhvqx ÔÔdmj Drcv`b cwäkv I FY cwi kvam~pxõõ Ges ÔÔ kªyxweb vm/wgkª dmj/mv_x dmj/wi j PvlwfwËK evwl K Drcv`b cwikíbvõõ I FY wbqgvpvi kvlvmg~ ni Abymi Yi Rb h_vµ g cwiwkó- W, X I Y GZ`&m ½ mshy³ Kiv nj D jøl, K lk `i cªk Z Pvwn`vi wbwi L FY wbqgvpv i dmjwfwëk wba vwiz F Yi cwigvy kzkiv 10 fvm ch ší n«vm/e w Kiv hv e wbr ^ gvwjkvbvaxb Rwg Z Pvlvev `i Rb wbqgvpv i ewy Z Rwgi fvov cª hvr n e bv km I dmj F Yi Rb A_ eivï t A_ eq ii K wl I cjøx FY Kg m~wpi Aax b cªv wjz gvu j gvîvi b~ bzg 60% km I dmj FY Lv Z weziy Ki Z n e grm m ú` Dbœq b FY cª`vb t grm Pvl Lv Z FY cª`vb t ez gv b grm Pvl GKwU jvfrbk LvZ wn m e we ewpz n Q ` ki A_ bwzk Dbœq bi cvkvcvwk cªvwyr Avwg li NvUwZ c~i Yi j wpswo Pvl I cykz i grm Pvl m úªmviy GKvšÍ Acwinvh gv Qi iyy Drcv`b, cªvq Aejyß `wk gvq (ˆK, gv i I wks), iæb, KvZjv, g Mj I g bv m Zjvwcqv BZ vw` Pv li Rb FY cª`vb Ki Z n e mikv ii grm Pvl bxwzgvjvi Av jv K ` ki ißvwb Avq e w i wbwg Ë kvlvmg~n wb RivB vbxq cwiw wz Z grm Pv li m ve Zv hvpvb Ki e Ges cª qvr b vbxq grm Kg KZ v `i mv _ civgk K i F Yi cwigvy, weziykvj, F Yi gqv` I cwi kvam~px wba viy Ki Z cvi e BRviv cykz i gvq Pv li Î cykzi eükxi cwie Z BRviv g~j K iæz w` q grm Pvl Lv Z FY cª`vb Kiv h Z cv i G Î AviwmwW mvk yjvi bs- 274 ZvwiL- 31/08/2003 Ges cjøx FY wefv Mi cî m~î bs- cfwe/gbb/ grm /92-93/2106 ZvwiL- 26/12/1992 I cî m~î bs- cfwe/wbqgvpvi I bxwzgvjv (wpswo FY)/ Avjvj/2006 ZvwiL- 03/10/2006 G cª qvrbxq w`k wb ` kbv cª`ë n q Q; hv AbymiY hvm n e 6ô c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 5 -

6 welq t - 6 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year DcK~jxq grm Rxex `i gvq aivi miävg µ q FY cª`vb t ` ki DcK~jxq A j vqxfv e emevmiz DcK~jxq grm Rxex `i gvq aivi U«jvi, bškv, Rvj I Ab vb miävgw` µq/msmª ni Rb Zv `i AbyK~ j AwaKZi mnr k Z ^í/`xn gqvw` FY wezi Y kvlvmg~n Kvh Ki e e v MªnY Ki e ZvQvov, QvU QvU e emv, we klk i- gvq aiv, grm Pvl, ïukx gvq Dcv`b Gi mv _ RwoZ `i cª qvrb Abyhvqx cyuwr mieivn Kiv hv e DcK~jxq grm Rxex `i K cª qvr b MÖæcwfwË Z FY myweav cª`vb Kiv h Z cv i Av jvp Î AviwmwW mvk yjvi bs-02 ZvwiL- 06/12/2007 Gi bxwzgvjv AbymiY Ki Z n e ZvQvov AviwmwW mvk yjvi bs- 215 ZvwiL- 10/04/93 Gi bxwzgvjv AbymiY K ii G Î FY cª`vb Kiv hv e Rjvkq/Rjgnvj/nvI i grm Pv l FY cª`vb t kvlvmg~n Rjvkq/Rjgnvj/nvI i `jwfwë Z grm Pv li Rb grm Rxwe `i FY cª`vb Ki Z cvi e mikvi KZ K grm Pv li Dci AwaK iæz Av iv ci cªw Z grm Pv li Rb FY cª`vb e w i j kvlvmg~n cª qvrbxq c` c MªnY Ki e Ges e vck cªpviyvi gva g welqwu RbMY K AewnZ Ki e grm Rxweiv hv Z FY cªvwßi gva g ^vej ^x n Z cv ib, m wel q Zv `i Dc hvmx cªvwv± D veb K i FY weziy Ki Z n e LuvPvq gvq Pv l FY cö`vb t mv úªwzk mg q cöhyw³mz DrKl Zvi Kvi Y LuvPvq gvq Pvl c wz Avgv `i ` k RbwcÖq n q DV Q wewfbœ ai bi Rjvk q wbqwš Z cwi e k Dc hvmx AvKv ii LuvPv vcb K i AwaK Nb Z evwywr Kfv e gvq Drcv` bi cöhyw³ n jv LuvPvq gvq Pvl m úªwz Puv`cyi Rjvi WvKvwZqv b`x Z _vbj v Ûi cöhyw³ AbyKi Y LuvPvq gvq Pvl me mvavi Yi ` wó AvKl Y K i Q wk kvimä, bî Kvbv, mybvgm Äi nvii GjvKv Ges bv Uv ii Pjbwe j LuvPvq gvq Pv li e vck m vebv i q Q fvmgvb LvuPvq gvq Pvl (Cage Culture) Gi Rb Avgv `i e vsk KZ K AviwmwW mvkz jvi bs- 34/11 ZvwiL- 14/03/2011 Rvix Kiv n q Q D³ mvkz jv i bxwzgvjv I FY wbqgvpvi AbymiYc~e K fvmgvb LuvPvq gvq Pv li Rb FY cö`vb Ki Z n e DcK jxq G KvqvKvjPvi Lv Z FY cö`vb t evsjv ` ki DcK jxq grm Pvl ïaygvî wpswo Pv l mxgve i q Q Z e, DcK jxq A j m vebvgq Av iv A bk gvrm cörvwz K G KvqvKvjPvi Gi AvIZvq G b ` ki cövwub NvUwZ c~iymn ißvwb KiZt ˆe `wkk gy`ªv AR b Kiv m e G ÿ Î Kv`vgvwUi KvuKov Pvl, KuvKov gvuvzvrvkiy (crab fattening), fuwk I evuv RvZxq gvq Pv li m vebv K Kv R jvmv bv h Z cv i G ÿ Î wewb qvm LyeB Aí niqvq DcK jxq A ji `wi`ª Rb Mvôx K h_vh_ cöwkÿy I g~jabx mnvqzv cö`v bi gva g h_vh_ D ` vm bqv n j mgy `ª AcÖPwjZ grm Drcv`b e w K i ` ki ißvwb Avq evov bv m e DcK jxq GjvKvi e vsk kvlvmg~n vbxq grm Pvwl I grm Awa`ß ii Kg KZ v `i mv _ civgk K i F Yi cwigvy, weziykvj, gqv`, cwi kvam~wp I RvgvbZ wel q wm vší MÖnYc~e K G Lv Z FY cö`vb Ki Z cv i cªvwym ú` Lv Z FY cª`vb t evsjv ` ki RvZxq A_ bxwz Z cªvwym ú` LvZ iæz c~y f~wgkv cvjb K i wkš ez gv b ` k cª qvr bi Zzjbvq gvsm I `y» mieiv ni cwigvy AcªZzj cªvwym ú` Dbœq bi j mikv ii cªvwym ú` bxwzgvjvi ev Íevqb I D Ïk AR bi j kvlvmg~n K cªvwym ú `i cªpwjz wb œewy Z LvZ/DcLvZmg~ n FY wezi Yi cª qvrbxq e e v MªnY Ki Z n e t Mevw` cï t K) nv ji ej` µq, `y» Lvgvi vcb, QvMj/ fovi Lvgvi vcb, Miæ gvuvzvrvkiy BZ vw` Z FY cª`v bi cª qvrbxq e e v MªnY Ki Z n e L) Miæi cvkvcvwk gwnl cvjb GKwU jvfrbk LvZ Miæi gz gwnl n ZI `ya I gvsm cviqv hvq cvkvcvwk nvjpvl Ges MªvgxY cwien bi gwn li h _ó iæz i q Q cwi ekmz Ges cª_vmz Kvi Y evsjv ` ki PivÂjmn h mkj GjvKvq gwnl cvjb jvfrbk m mkj GjvKvq gwnl cvj bi Rb cª qvrbxq FY cª`vb Ki Z n e M) e vs Ki wbr ^ cöwkÿy cövß Awdmvi ev GKRb f Uwibvix wpwkrmk KZ K mg q mg q Miæ/QvM ji Lvgvi cwi`k bi e e v Ki Z n e D³ cwi`k b cöwz e` bi Av jv K `ªæZ cö qvrbxq e e v MÖn Yi Rb MÖvnK `i e vsk kvlvi gva g cö qvrbxq civgk `qv h Z cv i Dchy ³ LvZmg~ n FY cö`v bi Rb F Yi cwigvy I gqv` wbiƒcy Ges cwi kvam~wp cöyq bi ÿ Î e vsk/avw_ K cªwzôvb jv wb RivB Ges cª qvrb ev a vbxq cªvwym c` Kg KZ v `i mv _ civgk K i cª qvrbxq e e v MªnY Ki e `y» Drcv`b I K wîg cörbb Lv Z cybta_ vqb xg t ` ki ekvi hyek `i AvZ Kg ms vb, cywó Pvwn`v c~iymn uov`ya I `y»rvz mvgmöxi Avg`vwb wbf izv Kwg q ˆe `wkk gỳ ªv mvköqv _ `y» Drcv` b ^qsm ú~y Zv AR b AZxe cö qvrb G j ÿ Mvfx µq, jvjb-cvjb Ges K wî, cörb bi gva g mski Rv Zi Mvfx cvj bi Rb we` gvb FY myweavi cvkvcvwk Dc ivwjøwlz Lv Z AwaKZi FY cöev ni cö qvrbxqzv Abyf Z n Q m cöwÿ Z evsjv `k e vsk KZ K `y» Drcv`b I K wîg cörbb Lv Z 5 (cuvp) eqi ch ší bevqb/avez b hvm (Revolving) (`ybkz) KvwU UvKvi GKwU cybta_ vqb xg MVb Kiv n q Q bevqb/avez b hvm (Revolving) G x gi gqv` 5 (cuvp) eqi Z e, MÖvnK ch v q F Yi m e v P gqv` n e FY MÖn Yi ZvwiL n Z 3 (wzb) eqi G x gi AvIZvq evsjv `k e vsk n Z e vsk i U (ez gv b 5%, hv cwiewz bkxj) cybta_ vqb myweav cv e MÖvnK ch v q my `i nvi n e m e v P 5% weziyk Z F Yi wecix Z mỳ ÿwz/fz ykx eve` evsjv `k e vs Ki wbku AwZwi³ 5% `vex Ki Z n e cvjwu«lvz t wwg I gvsm mieiv ni gva g ` ki cªvwub NvUwZ c~i Y cvjwu«lvz GKwU iæz c~y f~wgkv cvjb Ki Q B Zvg a wb Ri GKwU Ae vb ˆZwi K i biqv cvjwu«wk íi e vkiqvw Ges diiqvw wjs KR Kg KvÛ Kg ms vb m wói cvkvcvwk evsjv ` ki RvZxq A_ bxwz Z iæz c~y f~wgkv cvjb Ki Q wkš ez gv b ` k wwg I gvs mi Pvwn`vi Zzjbvq mieiv ni cwigvy AcªZzj 7g c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 6 -

7 welq t - 7 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year cvjwu«lv Zi Dbœq bi gva g mikv ii cªvwym ú` bxwzgvjvi ev Íevqb I D Ïk AR bi j kvlvmg~n K cªvwym ú `i cªpwjz wb œ ewy Z LvZ/DcLvZmg~ n FY wezi Yi cª qvrbxq e e v MªnY Ki Z n e t- K) nvum-gyiwmi Lvgvi vcb Ges nvmu-gyiwmi Lv`, wukv, JlacÎ µq BZ vw` Lv Z FY cª`vb Ki Z n e ZvQvov, Kv qj, Li Mvk, wmwbwcm BZ vw`i wewfbœ jvfrbk Lvgvi vc bi Rb FY cª`vb Ki Z n e cvkvcvwk nvum-gymixi Lv` Drcv`b Lv ZI FY cª`vb Ki Z n e L) cwi ekmz Ges cª_vmz Kvi Y evsjv ` ki wej Ges Rjv GjvKvmn h mkj GjvKvq cvwievwik D ` v M nvum cvjb jvfrbk m mkj GjvKvq nvum cvj bi Rb cª qvrbxq FY cª`vb Ki Z n e M) cvjwuª er _ K ev qvm vm I we`ÿ r Drcv`b Kiv h Z cv i Dch y³ LvZmg~ n FY cö`v bi Rb F Yi cwigvy I gqv` wbiƒcy Ges cwi kvam~wp cöyq bi ÿ Î kvlvmg~n vbxq cövwym c` Kg KZ v `i mv _ civgk K i cª qvrbxq e e v MªnY Ki e mp hš cvwz I K wl hš cvwz FY Lv Z FY cö`vb t ` ki wewfbœ GjvKvq cvwbi Afv e Ges nv ji ej `i ^ízvi Kvi Y Pvlvev` e vnz n Q G cªw Z ` ki Pvlvev` c wz hvwš KxKi Yi D Ï k Ges cªvk wzk Drm n Z cªvß cvwbi Dci wbf ikxjzv Kwg q mgqgz dmj Drcv`b wbwðzki Yi Rb Mfxi/AMfxi/n ÍPvwjZ bjk~c, U«Wj cv ú BZ vw`i Rb FY cª`v bi e e v Ki Z n e weávbm Z Pvlvev` c wzi gva g dmj Drcv`b e w i j hš cvwz hgb- U«v±I, cviqvi wujvi, evwi wmwvi (exr ecb hš ), evwi DBWvi (AvMvQv wbovwb hš ), A Uv gwuk wmwwjs bvm vwi gwkb BZ vw` DcLv Z e envikvix ch v q cª qvrbxq F Yi mieivn wbwðz Ki Z n e GZ`&wfbœ, mv ii AcPq iva, Drcv`b LiP n«vm Ges Gi wecix Z Drcv`b e w i ^v _ kvlvmg~n `vbv`vi/ wu BDwiqv ˆZwii gwkb cªm ZKvix `i FY cª`vb we epbv Ki Z cvi e Ges Zgb Î kvlvmg~n K wl m cömviy wefv Mi Kg KZ v `i civgk MªnY Ki Z cvi e G cöm ½ D jøl h, ïaygvî e envikvix ch v q mp hš cvwz I K wl hš cvwz Lv Z cö`ë FY wnmv e MY n e dmj KvUv/gvovB qi hš (Harvester) Lv Z FY cö`vb t cªvk wzk `y h vm Ges Ab vb Kvi Y cvkv dmj N i DVv Z `ix n j A bk mgq K lkmy wzi m ylxb nb dmj KvUv/ gvovb qi hš (Harvester) G mgm v gvkvwejvq K lk K eûjvs k mvnvh Ki Z cv i G Rb K wl hš wn m e dmj KvUv/gvovB qi hš eve` K wl FY weziy Ki Z n e mšikw³ PvwjZ mp hš µ q FY cª`vb t mp hš Pvjv Z mvaviyz we`y r e eüz n q _v K h mkj GjvKvq we`ÿ r bb mlv b mvaviyz ww Rj PvwjZ mp h š i e envi n q _v K A_P mšikw³ e envi K ib m Pi KvR Kivmn evwo Z ˆe`ÿ wzk evj e envi Kiv m e ïk bv gšmy g, hlb cªpzi iv` I V Ges Z ï Zv/Liv `Lv `q ZLbB mvaviyz m Pi cª qvrb c o mb mg q mšikw³ PvwjZ mp h š i gva g Rwg Z mp cª`vb Kiv m e el v gšmy g ev gnjv AvenvIqvq m Pi cª qvrb c o bv ej jb P j mšikw³ PvwjZ mp hš cªvq 20 eqi e envi Kiv hvq; d j cªv_wgk e q wkqyuv ewk n ji cªk Z A _ Zv mvkªqx Kv RB mvjvi nvg wm g Ges mšikw³ PvwjZ mp hš vc b wkqyuv `xn gqv ` K wl FY cö`vb Kiv h Z cv i K wl Z mši kw³i e envi t K wl Lv Z R vjvbx msku gvkv ejv I bevqb hvm R vjvbx e env ii cömv ii j ÿ RvZxq ch v q mši kw³ e e vi Dci iæz v ivc Kiv n Q G avivevwnkzvq AbMÖmi Ges we`ÿ Z ms hvmwenxb GjvKvq e w³ ch v q mši c v bj vc bi gva g mvjvi nvg wm g, mvjvi Bwi Mkb cvw ús wm g Lv Z weziyk Z FYmg~n K wl FY wn m e we epbv Ki Z n e Ku Pv K úv mvi Drcv`b FY cö`vb t µgea gvb RbmsL vi Pvc, Rjevqy cwiez brwbz mgm v, K wl Lv Z mwvk cwikíbv I hvwš KxKi Yi Afve, AcwiKwíZfv e mvi I KxUbvk Ki e envi cöf wz cöwzwbqz Avgv `i K wllvz K ûgwki m ylxb K i Zyj Q K wl Lv Z e vckfv e ivmvqwbk mv ii e envi mvgwqkfv e dm ji Drcv`b e w Z mnvqzv Ki ji Zv ch vqµ g Rwgi De izv kw³ q Ki Q, hv fwel r K wli Rb GKwU SuywK wn m e Avwef~ Z n Z cv i G mgm v DËi Yi j K wlwe` Ges weávbxiv cwi ekevüe ˆRe mvi e env ii Ici iæz v ivc Ki Qb ivmvqwbk mv ii cwiez K wn m e Ku Pv K úv mvi GKwU fvj, m Ív Ges mnrjf wekí wn m e we ewpz n Z cv i Ku Pv K úv mvi (Vermicompost) GK ai bi ˆRe mvi, hv dm ji Drcv`b e w I gvwui De izv kw³ A zbœ ivl Z mzvqzv K i cupbkxj MvQ-MvQov I M ncvwjz cövyxi Mve ii wgkª Y Ku Pv Q o w` j Ku Pv GB wgkªy L q h weôv Z vm K i Zv Ku Pv K úv mvi wn m e cwiwpz Ku Pv K úv mvi hv Z e vckfv e Drcv`b Kiv nq mrb cöpyi cwigv Y FY cö`vb Ki Z n e G ÿ Î GZ`&m ½ mshy³ evsjv `k e vs Ki bxwzgvjv (cwiwkó-ôvõ) A_ev AviwmwW mvk yjvi bs-41/13 ZvwiL-18/11/2013 Gi bxwzgvjv AbymiY hvm n e km /dmj `vg I evrvirvzkiy Lv Z cªk Z K lk `i K FY cª`vb t km /dmj IVv/KvUvi gšmy g K wl c Y i `vg A bk mgq nvvr K g hvq, d j Drcv`bKvix K lk b vh g~j n Z ewâz nb c vší i, gybvdv jvfx e emvqx/dwoqviv jvfevb nq G Ae v Gwo q K lk ch v q mvaviyfv e m ev P 5 GKi Ges Avjyi Î m ev P 2.5 GKi Rwg Z Drcvw`Z c Y i b vh g~j wbwðz Ki Z `vgrvzk Z K wl c Y i wecix Z cªk Z K lk K FY cª`vb Ki Z n e, hv Z myweavgz mg q cy wewµ K i Drcv`bKvix K lk c Y i b vh g~j c Z cv ib mikvi/mikvwi cªwzôv bi gvwjkvbvaxb cwiz ³/Ae eüz `vg cª qvr b Rjv/Dc Rjv K wl FY KwgwUi D ` v M ms vi K i vbxq e e vcbvi gva g km `vg wn m e e envi Kiv n j D³ `v g `vgrvzk Z k m i wecix Z km `vg I evrvirvzkiy Lv Z FY cª`vb Kiv hv e 8g c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 7 -

8 welq t - 8 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year GQvov, Avjy Avgv `i GKwU Ab Zg cöavb Lv` km wkš Drcv`b gšmy g Avjyi e vck Drcv` bi d j ` k we` gvb msiÿyvmv i Drcvw`Z Avjyi GK Z Zxqvsk Gi ewk msiÿy Kiv m e nq bv gšmy g Avjyi Pvwn`vi Zzjbvq mieivn AwaK _vkvi d j Avjyi evrvi g~j n«vm cvq Ges ch vß msiÿyvmv ii Afv e Drcbœ Avjyi GKwU eo Ask cu P bó n q hvq G cöwÿ Z M n ch v q ^í Li P h_vh_ cöwµqvq wba vwiz mgq ch ší Avjy msiÿ Yi j ÿ K wl wecyb Awa`ßi mnvqzv I civgk cö`vb Ki Q M n ch v q Avjy msiÿyvmvi wbg vy K i e emvwqk wfwë Z cwipvjbv Kivi ÿ Î AvMÖnx K lkmy K mnr k Z I ^í my ` FY cö`vb Kiv hv e Z e, M n ch v q Avjy msiÿyvmvi wbg v Yi cök Z LiP wba vi Y cö qvrb ev a K wl wecyb Awa`ß ii mycvwik we epbvq bqv h Z cv i D Pg~j dmj (High Value Crops) Lv Z FY cª`vb t Gwkqvb Dbœqb e vsk (GwWwe) KZ K cª`ë ey bvbyhvqx D Pg~j dmj ej Z GKi cöwz Drcvw`Z MZvbyMwZK ev iv (kxzkvjxb) av bi Zyjbvq AwaK 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gzv, e o DVvi Ae v BZ vw` Z_ Rvbv m e n q Q GwU cvu Pv li Î hymvšíkvix f~wgkv ivl e Gi gva g Kg cvwb Z cvu cupv bv, ivm I AvMvQv cªwz ivax, jeyv³zv mnbkxj RvZ D veb Kiv hv e e j weávbxiv Avkv Ki Qb evsjv ` ki AvenvIqv cvu Pv li Dc hvmx niqvq c w_ex Ry o evsjv `kx cv Ui e vck Pvwn`v i q Q cvu Pv li Î h bzzb m vebv ˆZwi n q Q Zv K Kv R jvmv bv cª qvrb myzivs, cvu Pv l FY cª`vb Ki Z n e I qjcvg Pv l FY cª`vb t I qjcvg evsjv ` ki Zij mvbv wn m e Avwe f~z niqvi e vck m vebv i q Q Avg`vwb wbf i fvr Z ji Pvwn`v guv bv Ges ˆe `wkk gy`ªv mvkª q bzzb K wlcy wn m e evsjv ` k I qjcvg Pvl we kl f~wgkv ivl Z cv i cvnvwo GjvKvmn ` ki 27wU K wl AÂj I qjcvg Pv li Rb LyeB Dc hvmx ez gv b ` ki Kvb Kvb GjvKvq I qjcvg MvQ ivcy Kiv n ji evwywr K wfwë Z GLbI I qjcvg Pvl n Q bv Pviv ivc Yi mv o wzb _ K Pvi eq ii g a I qjcvg MvQ _ K Zj Drcv` bi Rb cwic dj cviqv hvq Ges evwywr Kfv e I qjcv gi Pvl Ki j Zv _ K cövq cuqwîk eqi ch ší dj cviqv hvq ez gv b evsjv ` k h I qjcv gi exr Drcvw`Z nq Zv _ K g vbyqvj c wz Z Zj Drcv`b Kiv nq, hv evwywr Kfv e Lye GKUv jvfrbk bq wkš µvkvi gwk bi gva g ^qswµq c wz Z cvg Zj Drcv`b Kiv LyeB jvfrbk ZvB mgmö ` k cwikwízfv e I qjcvg Pvl Qwo q `qv Ges Drcvw`Z I qjcvg AvaywbK cöhyw³ e env ii gva g cöwµqvkiy Kiv m e n j fvr Z ji Af šíixy Pvwn`v wgwu q wecyj cwigvy ˆe `wkk gỳ ªv mvkª qi cvkvcvwk Kg ms vb m wó Z e vck f~wgkv ivl e evwywr Kfv e I qjcvg Pv l mdjzv jv fi Rb G Lv Z e vsk F Yi cö qvrb i q Q e vsk _ K Avw_ K mnvqzv c j K lkmy evwywr K wfwë Z I qjcvg Pv l AvMÖnx n eb ZvB I qjcvg Pv l AvMÖnx `i K kvlvmg~n K FY wbqgvpvi AbymiY K i ga /`xn gqvw` FY cö`vb Ki Z n e Avg I wjpz Pv l FY cö`vb t Avg evsjv ` ki GKwU iæz c~y Ges RbwcÖq dj Avg K evsjv ` ki d ji ivrv ejv n q _v K 2014 mv ji cwimsl vb Abyhvqx, evsjv `k we k i mßg Avg Drcv`bKvix `k evsjv ` ki cövq me ÎB Kg- ewk Avg Drcvw`Z n q _v K Z e, ivrkvnx, PuvcvBbeveMÄ, w`bvrcyi, mvzÿxiv, Kzwóqv, g nicyi cöf wz A j evwywr Kfv e Av gi Pvl Kiv n q _v K Gme A j Drcvw`Z Avg ez gv b we ` ki ißvwb n Q cwikwízfv e Pvlvev `i gva g Av gi Drcv`b e w Kiv m e n j Avg ißvwb K i cöpzi ˆe `wkk gy`ªv AR b Kiv m e Avgv `i ` k mvaviyzt GwcÖj-RyjvB gv m Av gi Drcv`b ïiæ nq Ges g- AvM gv m cvkv Avg evrv i cviqv hvq Z e, G mgq QvovI evwywr Kfv e Avg Pv li Rb cövq mviv eqi Avg evmv bi cwiph v Kivi cö qvrb nq Drcv` bi wewfbœ ch v q GKUz hzœevb n j Av gi djb K qk Y evov bv hvq Avi ZvB Gi hzœ wb Z nq Avg msmö ni ci _ KB gšmy gi ci cib ivmvµvší I giv Wvjcvjv GKUz fvj Askmn K U dj Z nq GQvov, cövq mviv eqi a i Rwg ˆZwi, mp cö`vb, mvi I KxUbvkK cö`vb BZ vw` Kvh µg cwipvjbvi cö qvrb nq ZvB mgmö ` k cwikwízfv e Avg Pvl Qwo q `qvi gva g Av gi Drcv`b e w i j ÿ Avg Pvlx `i AbyK j mviveqi FY cö`vb Kiv hv e Z e, G ÿ Î vbxq K wl m úªmviy Kg KZ vi civgk µ g FY wbqgvpvi wba viy K i m Abyhvqx FY cö`vb Kiv hv e Ab w` K wjpz Avgv `i ` ki GKwU RbwcÖq dj ` ki mkj v bb Kg- ewk wjpz Pvl n q _v K cwikwízfv e wjpz evmvb Ki Z n j Pviv ivcy _ K ïiæ K i mviv eqi a i Rwg ˆZwi, KxUbvkK cö`vb, mvi cö qvm BZ vw` Kvh µg cwipvjbvi cö qvrb nq GQvov, AvenvIqv I gvwui aiy Abymv i wjpz Mv Q dzj Avmvi c i mßvn AšÍi mp w` Z nq wjpz Pv l dj msmö ni ci cib ivmvµvší I giv Wvjcvjv GKUz fvj Askmn K U dj Z nq wjpz d ji gšmyg kl niqvi ci cib wu KjgK Z wjpzi Pviv ivcy Kvh µg ïiæ Ki Z nq ZvB mviveqi a ib wjpz Pv l A _ i hvmvb cö qvrb nq G cöwÿ Z wjpz Drcv`b e w i j ÿ wjpz Pvlx `i AbyK j mviveqi FY cö`vb Kiv hv e 9g c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 8 -

9 welq t - 9 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year bvm vwi vc bi Rb FY cª`vb t ` k giækiy cªwµqv iva K i mvwe K cwi ek msi Yi Rb mikv ii e vck e ivcy Kg m~wp Ges MªvgxY I mvgvwrk ebvqb Kg m~wpi cªw Z Mv Qi Pvivi wecyj Pvwn`v c~i Yi wbwg Ë evwywr K wfwë Z emikvwi Lv Z bvm vix vcb Kivi Rb cª qvrbxq FY mieivn Kivi j kvlvmg~n h_vh_ e e v MªnY Ki e evwywr Kfv e dzj I dj Pvl Ges G `i exr Drcv`b Ges evnvwi Dw `, K vkuvm I AwK W Pv li Rb I Pvwn`v Abyhvqx FY cª`vb Kiv hv e Gme Lv Z FY cª`v bi Rb D` vbzë we` I eb wefv Mi Kg KZ v `i mv _ civgk K i kvlvmg~n wb RivB F Yi cwigvy, gqv` I cwi kvam~px wba viy Ki Z cvi e G wel q AviwmwW mvk yjvi bs- 264 ZvwiL- 22/05/2002 G cª`ë wb ` kbv/bxwzgvjv AbymiY hvm A gšmywg mewr/dj Pv l FY cö`vb t evsjv ` k mviv eqib wewfbœ ai bi mewr/dj Drcvw`Z nq G mkj mewr/dj mvaviyzt gšmyg Abyhvqx Drcvw`Z n q _v K Z e, ez gv b evsjv `k GwMÖKvjPvivj wimvp Bbw wudu, evsjv `k K wl wek we` vjq, gqgbwmsnmn Ab vb K wl wek we` vjq Ges Ab vb emikvwi wimvp Bbw wud Ui µgvmz M elyvi d j G mkj mewr/d ji A gšmyg RvZI Avwe Z n q Q mewr/d ji G ai bi A gšmyg RvZ Pvlvev `i ÿ Î mvaviyzt AÎ bxwzgvjv I Kg m~wp Z ms hvwrz FY wbqgvpv i DwjøwLZ GKi cöwz FYmxgvi AwaK LiP nq µgea gvb Lv` Pvwn`vi welqwu gv_vq i L G ai bi A gšmygx mewr/d ji Pvlvev` DrmvwnZ Kivi j ÿ kvlvmg~n G Lv Z K wl FY cö`vb Ki Z cvi e A gšmygx mewr/d ji Pvlvev ` FY cö`v bi ÿ Î kvlvmg~n FY wbqgvpv i DwjøwLZ GKi cöwz FYmxgv ch ší FY weziy Ki Z cvi e we kl/amªvwakvi LvZmg~n t wbw` ó dm ji Rb iqvwz mỳ nv i FY weziy t ` k Wvj, ˆZjexR, gmjv RvZxq dmj I fzævi cªpzi Pvwn`v _vkv m Ë I Drcv`b m Abyhvqx h _ó bq weavq Avg`vwb eve` cªpzi ˆe `wkk gỳ ªv e q nq G ai bi dmj Pvl K Drmvn w` Z Ges G Lv Z FY wezi Y e vsk jv K Drmvn w` Z mikv ii mỳ wzc~iy myweavi AvIZvq A_ eq ii 01 RyjvB _ K Wvj, ˆZjexR, gmjv RvZxq dmj I fzæv Pv li Rb cª`ë K wl F Yi Dci K lk ch v q we` gvb mỳ nvi 4 kzvsk wbav iy Kiv n q Q G wel q AviwmwW mvk yjvi bs- 35/11 ZvwiL- 15/06/2011 Gi bxwzgvjv AbymiY Ki Z n e iqvwz mỳ nv i jey Pvwl `i K FY cª`vb t evsjv ` k Lvevi Ges wkí Î e env ii Rb je Yi cªpzi Pvwn`v i q Q ` ki mgỳ ª DcK~jxq A j jey Pv li AbyK~j cwi eki we` gvb ` ki mgy`ª DcK~jxq GjvKvq jey Pv li mv _ cªpzi z`ª, cªvwšík I em vpvwliv RwoZ Zvuiv cªvqb N~wY So I R jv Q v mi g Zv cªvk wzk `y h v Mi wkkv ii d j Avw_ Kfv e `ye j niqvq Zv `i K mnr k Z I ^í my ` jey Pv li Rb cª qvrbxq K wl FY cª`vb Kiv cª qvrb G j Gwiqv G cªvp wfwë Z DcK~jxq GjvKvi kvlvmg~n K jey Pv li Rb K lk `i K cª qvrbxq cwigvy FY weziy Ki Z n e G Î AÎ wwcvu g Ui cî m~î bs- AviwmwW-3/jeY FY(cwj)/Avjvj/2011 ZvwiL- 03/02/2011 Gi bxwzgvjv AbymiY Ki Z n e cªk Z jey Pvwl `i K RbcªwZ 0.5 wenv n Z 2.5 GKi ch ší GjvKvq jey Pv li Rb mikvix fz ykx e e vq 4 kzvsk iqvwz mỳ nv i GKK/MÖæc wfwë Z FY cö`vb Ki Z n e Z e kz _v K h, jey PvwlMY KZ K M nxz F Yi A_ cwi kv ai Rb wbav wiz me kl Zvwi Li g a cwi kvwaz n Z n e cvb Pv li Rb FY weziy t cvb Pvl Zyjbvg~jKfv e jvfrbk niqvq RxweKv wbe v ni Rb A bk K lk cvb Pv li mv _ RwoZ Drcvw`Z cvb Af šíixy Pvwn`v c~iy KiZt we ` k ißvwb K i ˆe `wkk gỳ ªv AR bi mnvqzv Ki Q ` k mvaviyfv e ei R cvb Pvl Kiv n q _v K wm ju A j Avw`evmxiv Ab Mv Qi Mv q jzv bv c wz Z cvb Pvl K i RxweKv wbev n K i _v Kb ewikvj, Lyjbv, ivrkvnx Ges PÆMÖvg A ji h _ó cwigvy cvb Pvl n q _v K cvb Pv li Î FY wezi Yi Rb we` gvb FY wbqgvpvi AbymiY Ki Z n e ei R cvb Pv li Rb cö qvrbxq cwigvy FY mieiv ni cvkvcvwk cövk wzk c wz Z cvb Pvwl `i K GKK/`j wfwë Z FY cö`vb Ki Z n e D jøl, 1 (GK) wenv (33 kzvsk) ch ší Rwg Z cvb Pvlvev `i Rb ïay mswkøó cvb `vqeüb (Betel Leaf Hypothecation) Gi wecix Z FY cö`vb Kiv hv e 1 (GK) wenvi ewk Rwg Z cvb Pvlvev `i Rb e vs Ki cöpwjz kz gvzv ek RvgvbZ MÖnY Ki Z n e gay Pv li Rb FY weziy t gay cªk wzi GKwU Abb `vb gay cywóki I mȳ ^v`y evrv i LvuwU gayi h _ó Pvwn`v i q Q Jlwa Yi Kvi YI gayi Pvwn`v e vck Z Ab vb dj/dzj/dmj Pv li cvkvcvwk LvuPvq gšgvwqi PvK m wó K i gay Pvl GKwU jvfrbk LvZ h me GjvKvq gay Pvl n q _v K A_ev gay Pv li m vebv i q Q, m me GjvKvq gšpvwl `i AbyK~ j cª qvrbxq FY wbqgvpvi (cwiwkó- ÔWÕ, µwgk bs- 111) Abymi Y FY weziy Ki Z n e QvU AvKv i gšgvwq cvjb I gay Pvwl `i K GKK/MÖæcwfwË Z FY cö`vb Ki Z n e GKK e w³ K FY cö`v bi Î e vs Ki wbku MªnY hvm Z Zxq c i e w³mz M vivw U Ges MÖæcwfwË Z FY cö`v bi Î MÖæc M vivw U I cö qvr b Z Zxq c i e w³mz M vivw U MÖnY K i m e vcwi e vsk-mövnk m ú K i wfwë Z G Lv Z FY weziy Ki Z n e AbMªmi Ges D cw Z GjvKvq AMªvwaKvi wfwë Z FY cª`vb t K wl I cjøx FY myweav em vpvwlmn ỳ ª I cªvwšík ch v qi K lk `i Kv Q cušqv bvi cvkvcvwk Avq Drmvix Kg KvÛ I `vwi`ª we gvpb Lv Z FY cª`v bi gvav g ^-Kg ms vb m wó I `vwi`ª jvnekiy K wl I cjøx FY bxwzgvjvi Ab Zg D Ïk G D Ïk ev Íevq b A c vk Z AbMªmi Ges D cw Z GjvKvq ( hgb- Pi, nvii, DcK~jxq GjvKv BZ vw`) K wl I cjøx FY wezi Yi Î AMªvwaKvi cª`vb Ki Z n e 10Zg c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc - 9 -

10 welq t - 10 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year cªvwšík, z`ª K lk I em vpvwl `i AbyK~ j FY cª`vb t f~wgnxb K lk (Rwgi cwigvy GK ii Kg) Ges z`ª I cªvwšík K lk (Rwgi cwigvy GKi _ K 2.47GKi) Ges em vpvwl `i K ( h me K lk A b i Rwg em v Pvl K i Ges wbr ^ gvwjkvbvq Rwgi cwigvy m ev P 1 GKi) FY cª`v bi Î AMªvwaKvi w` Z n e K wl Drcv` bi mv _ mivmwi m ú ³ em vpvwliv G bxwzgvjvi AvIZvq K wl FY MªnY Ki Z cvi eb G Î em vpvwli RvZxq cwipqcî _vk Z n e K wl FY weziykvix kvlvi AvIZvaxb GjvKvi vqx evwm `v Kvb cªk Z K lk Rwgi gvwj Ki KvQ _ K GKwU cªz qbcî msmªnc~e K Zv e vs K Rgv w` q K wl FY wb Z cvi eb K wl m úªmviy Awa`ßi KZ K cª`ë ÔK wl DcKiY mnvqzv KvW Õ _vk j G Î ZvI cª hvr n e m cöwz 10 UvKv Rgv MªnYc~e K Lvjv GKvD Uavix K lk `i K mbv³ki Yi Rb D³ GKvD U/K wl DcKiY mnvqzv KvW e ZxZ c _K Kvb KvMRc Îi cª qvrb n e bv Rwgi gvwj Ki cªz qbcî cvibv bv M j vbxq GjvKvi `vwqz kxj I MY gvb e w³i KvQ _ K msm nxz cªz qbc Îi wecix ZI kvlv em vpvlx `i K K wl FY w` Z cvi e RvZxq cwipqcî Av Q wkš K wl DcKiY mnvqzv KvW bb m Î cª qvr b BDwbqb cwil `i Pqvig vb ev vbxq zj/k j Ri cªavb wk K/Aa A_ev e vs Ki Kv Q MªnY hvm e w³i `Iqv cªz qbcîi cªk Z K lk mbv³ki Yi Kv R e envi Kiv hv e cªk Z em vpvlx mbv³ki Yi ci evwl K km FY wbqgvpvi Abyhvqx Zv `i AbyK~ j FY weziy Ki Z n e em vpvwl hw` mswkøó Rwg fvovi wfwë Ë Pvl K i _v K m Î Rwgi fvovmn F Yi cwigvy wba vwiz n e em vpvlx `i AbyK~ j cªpwjz bxwzgvjvq cvk eb Bmÿ Ki Z n e cªvwšík, z`ª I em vpvwl `i AbyK~ j FY myweav wbwðz Ki Z GKKwfwË Z/MÖæcwfwË Z K wl FY cª`vb Ki Z n e Kvb em vpvwl hw` GKB gvwj Ki Rwg ci ci wzb eqi Pvlvev` K i, m Î ÔAveZ bkxj km FYmxgv c wzõ bxwzgvjv Zv `i ejvq cª hvr n e em vpvwli bv g hv Z Kvb A-K lk FY MªnY Ki Z bv cv i mrb kvlv e e vck wbweo gwbuwis Gi e e v MªnY Ki eb mdj K lk `i AbyK~ j FY cª`vb t mdj K lk `i cö qvrbxq cwigvy K wl FY cª`v bi Rb we kl D ` vm MªnY Ki Z n e G Z K i Zv `i mvd j Ab vb K lkivi DrmvwnZ n eb ` ki wewfbœ A ji mdj K lk `i ZvwjKv K wl gš Yvj qi Aaxb K wl m cªmviy Awa`ßi n Z msmªn K i wewfbœ kvlvq mieivn Kiv i q Q Z e A bk mdj K l Ki bvg ZvwjKvq AšÍfy ³ bv-i _vk Z cv i; ZvQvov, ZvwjKvi evb i _vkv A b K m úªwz mvdj jvf K i _vk Z cv ib m cªw Z ZvwjKvq Abycw Z mdj K lk `i Ki kvlv cª qvrbxq cwigvy K wl FY cª`vb Ki e gvkiæg Pv li Rb FY t Pvwn`v, cywómz w`k I evsjv ` ki AvenvIqvq Pv lvc hvwmzv we epbvq Ges ekviz wbim b z`ª D ` v M gvkiæg Pvl DrmvwnZ Kiv cª qvrb m j gvkiæg Pv l FY cª`vb Ki Z n e FY cª`v bi Î RvZxq gvkiæg Dbœqb I m úªmviy K `ª A_ev K wl m úªmviy Awa`ßi KZ K cwipvwjz cªwzôvb _ K cªwk Ycªvß D ` v³v `i AMªvwaKvi cª`vb Ki Z n e G Î AviwmwW mvk yjvi bs- 293 ZvwiL- 05/04/2007 Gi bxwzgvjv AbymiY hvm n e bwcqvi Nvm Pv l FY cª`vb t ez gv b ` k Mevw` cïi Lv` wn m e Nv mi Pvwn`v e vck e w cviqvq Ges evwywr Kfv e Nvm Drcv`b jvfevb we ewpz niqvq ` ki DËivÂjmn mviv ` k Nv mi Pvlvev` e w c q Q evwywr Kfv e Nvm Pv l mdjzv jv fi Rb G Lv Z e vsk F Yi cö qvrbxqzv i q Q m j ÿ bwcqvi Nvm Pv l FY cö`v bi Rb kvlvmg~n mshy³ FY wbqgvpvi Abymv i K wl FY weziy Ki Z cvi e (cwiwkó- Ô`Õ) ikg Pv l FY cª`vb t ikg RvZxq e i Drcv`b e w i Rb ikl Pvl m úªmvi Yi j ivrkvnxmn h me A j ikg Pv li m vebv i q Q mme GjvKvq kvlvmg~n ikl Pvl/ ikg KxU Drcv`b, ZuyZ Mv Qi Pvl BZ vw` Kg Kv Û FY cª`v bi cª qvrbxq e e v MªnY Ki e ikg Pvl m úªmviy KZ c i mv _ civgk K i Dchy ³ Kg Kv Û F Yi cwigvy, gqv` I cwi kvam~px wba viy Ki Z n e Zzjv Pv l FY cª`vb t Zzjv GKwU A_ Kix dmj GwU evsjv ` ki e Lv Zi Acwinvh KuvPvgvj ` k Pvwn`vi Zzjbvq Drcv` bi wecyj NvUwZ guv Z Zzjv Avg`vwb Z cöpyi cwigv Y ˆe `wkk gy`ªv e q Ki Z nq Pvwn`vi cy ivuvb wu K qk `k _ K Avg`vwb Ki Z nq weavq Avgv `i e wk í eo ai bi SzwuK ˆZix Ki Q fwel Z Zzjv ißvwbkvik `k jv KZ K h Kvb ai bi ms KvPbg~jK bxwz MÖn Yi d j m ó msku gvkv ejvq ` k Zzjv Drcv` bi Dci Rvi w` Z n e G j kvlvmg~n K cª qvrbxq FY mieiv ni Rb Kvh Ki e e v MªnY Ki Z n e G Lv Z FY cª`v bi Rb vbxq Zzjv Dbœqb Kg KZ vi mv _ civgk K i F Yi cwigvy, gqv` I cwi kvam~px wba viy Ki Z n e MªvgxY A_ vqb t K wl FY QvovI MªvgxY A_ bxwz Z MwZmÂvi K i Av_ -mvgvwrk Dbœq bi j K wl/ak wl bvbvwea AvZ -Kg ms vbg~jk Avq- Drmvix Kg Kv Û kvlvmg~n GKK/`jxq wfwë Z FY cª`v bi e e v MªnY Ki e QvU QvU e emv, we kl K i z`ª I KzwUi wkí hgb- euvk I e Zi KvR, avb fv½v bv, wpov/gywo ˆZwi, Kvgvi I Kzgv ii KvR, bškv µq, gšgvwq cvjb/gay Pvl, mjvb gwkb/`wr, K wîg Mnbv ˆZwi, gvgevwz ˆZwi, Kv Vi KvR, gyw` `vkvb, `wi`ª gwnjv `i Kg ms vb BZ vw`i mv _ RwoZ `i cª qvrb Abyhvqx cuywr mieiv ni e e v Ki Z n e G Î AviwmwW mvk yjvi bs- 215 I 281 ZvwiL h_vµ g 10/04/93 I 29/06/2004 Gi bxwzgvjv AbymiY Ki Z n e 11Zg c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

11 welq t - 11 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year ZvuZ wk í FY cª`vb t `kxq e AwaK cwigv Y ˆZixi j K wl F Yi cvkvcvwk MªvgxY ZvuZ wk í FY cª`v bi cª qvrbxq e e v MªnY Ki Z n e G ÿ Î AviwmwW mvk yjvi bs- 232 ZvwiL- 23/09/1995 Gi bxwzgvjv AbymiY hvm K wl I K wl welqk Kg Kv Ûi mv _ m ú ³ bvix `i FY cª`vb t evsjv ` ki gvu RbmsL vi cªvq A a KB bvix RbmsL vi G KvVv gvi Kvi Y UKmB A_ bwzk cªe w i Rb A_ bwzk Dbœq bi g~j mªv Z bvix `i mwµq I A_ c~y AskMªnY GKvšÍfv e Acwinvh K wl I K wli mv _ m úwk Z Avq Drmvix Kg Kv Û bvix `i AšÍf ~³ Kivi gva g Zv `i K gvbe m ú ` iƒcvšíwiz Ki Z n e Mªv gi `wi`ª gwnjviv hv Z A_ bwzk Ae vi Dbœqb Ki Z cv ib m Rb Zv `i K km Drcv`b, QvU AvKv i K wl cy cªwµqvrvzkiy Ges K wl m úwk Z z`ª e emv Kg Kv Û AskMªn Yi Rb FY cª`v bi gva g Drmvn cª`vb Ki Z n e K wl Kg KvÛ hgb- evmvb Kiv, bvm vwi, km D Ëvjb ciezx Kg KvÛ, exr Drcv`b I msi Y gšgvwq cvjb I gay Pvl, Lv` cªwµqvkiy, grm, cövwym ú` BZ vw` Lv Z bvix `i K FY cª`vb Kiv h Z cv i kvixwik cªwzeüx `i FY cª`vb t cªwzeüxiv hv Z gh v`vi mv _ A_ en, djcªm~ I Ae`vbg~jK Rxebhvcb Ki Z cv ib, Zvi Rb cªwzeükzvi aiy we epbv K i K wl/ak wl bvbvwea AvZ -Kg ms vbg~jk Avq-Drmvix Kg Kv Û kvlvmg~n F Yi e e v Ki e evuk I e Zi KvR, avb fv½v bv, bvm vwi, gšgvwq cvjb/gay Pvl, z`ª gyw` `vkvb BZ vw` LvZmn mswkøó Mªvn Ki Rb myweavrbk Lv Z kvixwik cªwzeüx `i FY cª`vb Ki Z n e G Î AviwmwW mvk yjvi bs- 270 ZvwiL- 11/12/2002 Gi bxwzgvjv AbymiY hvm n e 3.00 K wl I cjøx F Yi my `i nvi t K wl I cjøx F Yi Î cªavb Kvh vjq KZ K mgq mgq avh K Z my `i nvi cª hvr n e km /dmj F Yi Î kz mv c mij nv i mỳ Av iv ci cªpwjz weavb envj _vk e (AviwmwW mvk yjvi bs- 220 ZvwiL- 09/09/93 gvzv ek) ez gv b mkj K wl I cjøx F Yi Rb wb ` k weáwß bs- 594/15 ZvwiL- 26/02/2015 Gi gva g cª`ë my `i nvi cª hvr n e 4.00 K wl FY e e vq Z_ cªhyw³i e envi t Z_ cªhyw³i e envi me Í ii gvby li RxebhvÎvi g bvbœq b BwZevPK f~wgkv ivl Z cv i hz`~i m e mkj K wl I cj x FYMªnxZvi gvevbj b ^i kvlv ch v q msi Yi Rb kvlvmg~n K D ` vm wb Z n e h mkj K wl I cjøx FYMªnxZvi wbr ^ gvevbj dvb i q Q, Zv `i gvevbj dvb b ^i kvlvq msi Y Ki Z n e K l Ki wb Ri gvevbj dvb bv _vk j AvZ xq/cªwz ekxi gvevbj dvb b ^ii msi Y Kiv hv e Z e, gvevbj dvb b ^i bv _vkvi ARynv Z Kv bv K lk K K wl FY cª`vb n Z ewâz Kiv hv e bv 5.00 K wl I cjøx FY gwbuwis t 5.01 AÎ e vs Ki wefvm/gwiqv Awdm ch v q gwbuwis t K wl FY bxwzgvjv I FY wbqgvpvi Abyhvqx cªk Z K lkivb hv Z mgqgz K wl FY cvb, K wl FY c Z hv Z Kv bv nqivwbi wkkvi n Z bv nq Ges K wl F Yi wba vwiz weziy j gvîvi cvkvcvwk Av`v qi j gvîv hv Z cy ivcywi AR b Kiv m e nq, m Rb mswkøó wefvm/gwiqv Awdmmg~n K Kvh Ki gwbuwis e e v wbwðz Ki Z n e K wl I cjøx FY gwbuwis Gi g~l D Ïk vejx wb œiƒc t- K) mvgwmªkfv e K wl I cjøx FY wezi Yi j gvîv AR b; L) gvu K wl I cjøx FY wezi Yi 60% km /dmj Lv Z weziy; M) grm I cövwym ú`mn K wli Ab `ywu cªavb Lv Z FY cª`v b iæz Av ivc; N) FY wezi Yi Î Gwiqv G cªvp c wzi e envi A_v r h GjvKvq h dmj fvj nq mw` K iæz Av ivc; O) Pi, nvii, DcK~jxq GjvKvmn AbMªmi GjvKv Ges AbMªmi Rb Mvôx K FY cª`vb; P) cªk Z K lk `i ^ Q FY Av`v qi j F Yi mø envi wbwðzkiy; Q) weziyk Z FY Av`v qi j F Yi mø envi wbwðzkiy kvlv KZ K gäywik Z FY h_vmg q weziy, myôz e envi wbwðzki Yi wel q mswkøó wefvm/gwiqv Awdm wbqwgz ch v jvpbvc~e K cª qvrbxq c` c MªnY Ki e gvv ch v q F Yi Pvwn`vi wbwi L kvlv KZ K FY cª`v bi e vcv i wefvmxq/ Gwiqv Awdm n Z Z`viwKi e e v Ki Z n e, hv Z FY mieiv ni ^ízvi Kvi Y km Drcv`b Kvb µ gb e vnz bv nq mvwe K K wl FY weziy I Av`v qi e vcv i wefvmxq/gwiqv Awdmmg~n cvw K/gvwmK wfwë Z ch v jvpbvi e e v MªnY K i kvlvmg~n K cª qvrbxq wb ` k cª`vb Ki e 5.02 evsjv `k e vsk KZ K gwbuwis t K wl I cjøx FY bxwzgvjv ev Íevq b K `ªxq e vs Ki gwbuwis Kvh µg K AviI Kvh Ki Ki Z evsjv `k e vs Ki cöavb Kvh vj qi K wl FY wefv M gwbuwis DcwefvM Ges kvlv Awdmg~ n gwbuwis BDwbU KvR Ki Q evsjv `k e vs Ki K wl FY gwbuwis Kvh µ gi g~j w`k jv wb œiƒc t- Zdwmjx e vskmg~n _ K K wl I cjøx FY weziy I Av`v qi cö qvrbxq Z_ vw` m wjz gvwmk weeiyx msmö ni gva g AdmvBU gwbuwis m úbœ Kiv nq evsjv `k e vs Ki cöavb Kvh vjq I kvlv Awd mi e vsk cwi`k b wefvm (wwweavb) KZ K Zdwmjx e vskmg~ ni Ab vb FY Kvh µ gi cvkvcvwk K wl I cjøx FY Kvh µ gi Ab-mvBU gwbuwis Kiv nq cvkvcvwk K wl FY I Avw_ K mevfyw³ wefvm KZ KI mgq mgq bgybv wfwë Z K wl I cjøx F Yi mø envi hvpvb Kiv nq 12Zg c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

12 welq t - 12 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year K wl I cjøx FY Kvh µ gi AMÖMwZ wbqwgzfv e ch v jvpbv Kivi Rb ivó«xq gvwjkvbvaxb evwywr K I we klvwqz e vsk jvi mv _ gvwmk wfwë Z Ges emikvwi I we `kx e vsk jvi mv _ wøgvwmk wfwë Z FY wezi Yi AMÖMwZ, j gvîv AR bi Î cöwzeükzv, FY wezi Yi ^ QZv, Zvi YMZgvb wbwðzkiy, FY Av`vq BZ vw` wel q mfv AbywôZ nq FY wezi Y ^ QZv evov bvi Rb vbxq MY gvb e w³ `i Dcw wz Z cökv k FY wezi Yi Rb e vskmg~n K e vckfv e DØy Kiv nq G ai bi Abyôv b evsjv `k e vs Ki cöavb Kvh vjq I kvlv Awd mi wewfbœ ch v qi Kg KZ vmy Dcw Z _vk Qb evsjv `k e vsk KZ K e vsk jv n Z K wl FYMÖnxZvi gvevbj dvb b i msmön K i FY cövwß Z ^ QZv, F Yi e envi, e vsk kvlvi mn hvwmzv cöf wz wel q mivmwi FYMÖnxZv K lk `i mv _ mgq mgq hvmv hvm K i cª qvrb Abymv i wewfbœ c` c MÖnY Kiv n Q MfY i g nv`qi mivmwi K lk `i mv _ gvevbj dv b K_v e j Qb gvevbj dv bi gva g K wl FY gwbuwis Gi G e e v Ae vnz _vk e K wl I cjøx FY msµvší h Kvb Awf hvm wjwlz A_ev dv bi gva g Rvbv bv n j m wel q evsjv `k e vsk cö qvrbxq e e v MÖnY K i _v K 6.00 K wl I cjøx FY Av`vq t 6.01 K wl I cjøx FY Av`v qi iæz t FY cwi kv ai Rb wkw Í Ges mgqmxgv mswkøó kvlv/gwiqv/wefvmxq Kvhv j qi Kg KZ vmy GZ`&m ½ mshy³ FY cwi kvam~pxi Av jv K wb RivB wba viy Ki eb dmj Zvjvi gšmyg ïiæ niqvi ci Z_v wecy bi mgq kvlv FY Av`v qi me vz K cª Póv MªnY Ki e K wl F Yi mvwe K Av`v qi nvi MªnY hvm ch v q Avbqb Ki Z n e iy ivl Z n e, FY Av`vq bv n j weziy e e v e vnz n e FY gikz di gvbwmkzv h_vm e cwinvi Ki Z n e; KviY FY gikzd Kiv n j ciez x Z MªvnK `i g a FY cwi kv a AbvMªn `Lv `q Z e, `y h vm I `ywe cv Ki Kvi Y wzmª Í K lk `i FY Av`vq evsjv `k e vs Ki civgk µ g mvgwqkfv e wmz/wejw ^Z Kiv hv e kvlvmg~n K FY kªwyweb vmki Yi cªw Z Avw_ K wz Gov bvi j FY Av`vq Kvh µg Rvi`vi Ki Z n e, hv Z K wl I cjøx F Yi Rb Zvij msku m wó bv nq Ges Znwe ji m ev Ëg e envi wbwðz Kiv hvq 6.02 K wl I cjøx FY Av`vq msµvší m PZbZv t K wl I cjøx FY Av`v qi iæz D jøl K i mswkøó `i gv S m PZbZvg~jK cöpvi cöpviyvi D ` vm MÖnY Ki Z n e 6.03 K wl I cjøx FY Av`v q we kl e e v MÖnY t K) h mg Í kvlvi gqv `vëxy / Ljvwc F Yi cwigvy 50 kzvs ki ewk m me kvlvi FY Av`v qi D Ï k c _K ÔAv`vq mjõ MV bi e e v Ki Z n e L) K wl FY Av`v qi D Ï k K lk mgvmg nq Ggb GjvKvq c~e n Z cªpvi Pvwj q Gwiqv/wefvMxq Awd mi Kg KZ vi Dcw wz Z kvlv ch vq n Z ÔK wl FY Av`vq K v úõ Gi Av qvrb Ki Z n e M) K wl FY Av`v q Z_ cöhyw³ e envi DrmvwnZ Ki Z n e 6.04 mvwu wd KU gvgjvi msl v n«vmkiy Ges Abv`vqx K wl FY Av`v q wekí Dcvq/c wz t K. Zvgvw` FYmg~n wbqwgzkiyc~e K Av cvlidv/mg SvZv ( mv jbvgv) Gi gva g `v qik Z gvgjv cöz vnvi ev wb úwë Kivi Kvh Ki e e v MÖnY Ges G wel q AwR Z AMÖMwZ gvwmk wfwë Z evsjv `k e vs Ki K wl FY I Avw_ K mevfzw³ wefvm K Rvbv Z n e; L. mvwu wd KU gvgjv Gov bvi j ÿ e vskvi-mövnk Df qi m wz Z Abv`vqx FYmg~ n Balance Confirmation Certificate, Token Money cöf wzi gva g FY Zvgvw` niqv cöwzweav b e e v MÖnY Ki Z n e, hv Z fwel Z mvwu wd KU gvgjvi msl v Kvbµ gb e w bv cvq; M. ivóªxq gvwjkvbvaxb evwywr K I we klvwqz e vskmg~n köyxk Z FYmn mkj K wl FY Av`v q Z`viwK Rvi`viKiY Ges cö qvr b Avjv`v Av`vq mj/bdwbu MVb Ki e; N. K wl F Yi e envi I cwi kv ai iæz Ges gvgjvi fqvenzv I cwiywz m ú K gvv ch v q K lk `i m PZbZv e w i wbwg Ë cö qvrbxq wewfbœ e e v Z_v mfv-mgv e ki Av qvrb Ki Z n e; O. Abv`vqx FY jv Zvgvw` niqvi c~ e wpwýz K i mnr wkw Í Av`v qi gva g wbqwgzki Yi e e v Ki Z n e; P. cövk wzk `y h v M ÿwzmö Í K lk `i K wl FY Av`vq wmzkiy/bzzb FY cö`vb/cybtzdkxj myweav cö`v bi e e v MÖnY Ki Z n e Ges Q. wbqwgzfv e FY cwi kvakvix K lk K cyi vi cö`vb I Zv cöpv ii e e v MÖn Yi gva g Ab vb K lkmy K FY cwi kv a DrmvwnZ Ges DØy Ki Yi Kvh µg MÖnY Ki Z n e 7.00 K wl I cjøx FY msµvší Z _ i mnrjf Zv t K wl FY msµvší cövwv± Ges myweavmg~n Rbmvavi Yi Kv Q mn R cušqvi ^v _ Zv e vs Ki I qemvbumn mn R ` wó MvPi nq Ggb v b cö`k b Ki Z n e K wl FY wezi Y AwaKZi ^ QZv Avbq bi D Ï k K wl FY weziy msµvší Z_ kvlvi bvwuk ev W msi Y I wbqwgz Avc WU Ki Z n e 13Zg c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

13 welq t - 13 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year Rjevqy cwiez bi bwzevpk cöfve gvkvwejv t c w_ex Ry o wkí ÿ Î AwZgvÎvq Kve b-wvb-a vbw M vmmn wewfbœ wmöb nvdr M vm wbtmiy I ebf wg aÿs mi Kvi Y evqygû ji ZvcgvÎv w`b w`b e w cv Q G ˆewk K DòvqbB Rjevqy cwiez bi g~j KviY g~jzt fšmwjk Kvi YB evsjv `k Rjevqy cwiez brwbz SuywKc~Y `k jvi g a Ab Zg wek Ry o evqygû ji DòZv e w i Kvi Y mgỳ ª c ôi D PZv e w cv Q d j mvb K vb, eb v, R jv Q vm I jeyv³zv m wó n Q cvkvcvwk Rjevqy cwiez bi d j FZz cwiez bi ^vfvwek wbq g ˆewPÎ `Lv w` Q ` ki ga vâ ji eb v I Rjve Zv, DËi-c~e vâ ji AvKw K eb v, DËi-cwðgvÂj Ges `wÿy-cwðgvâ ji Liv I jebv³zv Ges DcK jxq A ji R jv Q vm fwel Z evsjv ` ki K wli Rb cöku mgm v m wó Ki Z cv i h nzz dm ji wz n j cö`ë K wl FY Av`vq SuzwKi m ylxb nq, m nzz e vsk jv K wl Z cövk wzk `y h vm Z_v Rjevqy cwiez bi weiƒc cöfve gvkv ejvi Rb wb Riv m PZb niqvi cvkvcvwk jebv³ GjvKvq jebv³zv mwnòz dmj Pvl; Rjve I eb vcöey GjvKvq cvwb-mwnòz dmj Pvl; LivcÖeY GjvKvq Liv-mwnòz dmj Pvl; wecyj djb n«vm I dmj nvwb Gov Z Livi mgq m ú~ik mp cö`vb; mp Kv Ri Rb f -wb œ cvwbi cwie Z f -Dcwiw Z cvwbi e envi DrmvwnZKiY; ivmvqwbk mvi I KxUbvk Ki cwie Z ˆRe mvi I cövk wzk c wz Z evjvb/kxu bvkkiy Ges Rjevqy cwiez brwbz mgm v gvkv ejvi Rb wekí I KŠkjMZ Pvlvev `i wewfbœ c wz hgb- jebv³ GjvKvq av bi ci gym Wv ji Pvl, cvnv oi cv` ` k mwilvi ci Lwic-1 gšmy g evwigym-5 Pvl, ivcv Avgb av bi mv _ mvw_ dmj Pvl (wi j µc), ï f wg A j cövbg c wz Z gmyi Pvl AbymiY Kivi Rb K lkmy K DrmvwnZKiYmn G mkj dmj Pv li Rb FY myweav cö`vb Ki Z n e Rjevqy cwiez bi bwzevpk cöfve gvkvwejv m úbœ KwZcq dm ji GKwU bgybv ZvwjKv wb œiæc t µt bs dmj Rjevqy cwiez b Awf hvr bi mvg_ /myweav 1 evwimg-21 (kzvãx) cvzvi `vm ivm mnbkxj, gwipv ivm cöwz ivax Ges Zvc mnbkxj 2 evwimg-23 (werq) cvzvi `vm ivm mnbkxj, gwipv ivm cöwz ivax Ges Zvc mnbkxj 3 evwimg-25 cvzvi `vm ivm mnbkxj Ges gwipv ivm cöwz ivax jebv³zv mwnòz 4 evwimg-26 cvzvi ivm mnbkxj, gwipv ivm cöwz ivax Ges Zvc mnbkxj 5 evwimg wuªwuk vwj-1 Liv mwnòz Ges cöwzk~j AvenvIqv mnbkxj 6 evwi evwj -4 jebv³zv mnbkxj Ges ivm evjvb Kg 7 ivb-5 (mwilv) Liv I wkqzuv jebv³zv mnbkxj 8 evwi mwilv-7 AjUvi bwuqv eøvbu ivm Ges mvgwqk Rje Zv mnbkxj 9 evwi mwilv-8 AjUvi bwuqv eøvbu ivm Ges mvgwqk Rje Zv mnbkxj 10 evwi mwilv-11 Avgb avb KvUvi ci G RvZwU bvwe RvZ wnmv e mn R Pvl Kiv hvq Liv I jebv³zv mnbkxj 11 evwi mwilv-16 Liv I jebv³zv mwnòz AjUvi bwuqv ivm I A ivevswk cirxex mnbkxj 12 evwi Avjy-1 (nxiv) Zvc mwnòz cwi e ki cöwzk j Ae v wkqzuv wkqzuv mn Ki Z cv i RvZwU fvbivm ivm mnbkxj 13 evwi Avjy-22 (ˆmKZ) jebv³ GjvKvi Rb Dc hvmx fvbivm ivm mnbkxj 14 evwi U g Uv-4 D P Zvc mnbkxj 15 evwi U g Uv-6 (ˆPZx) D P Zvc mn Ki Z cv i e vk UwiqvRwbZ X j cov ivm mnbkxj 16 evwi U g Uv-10 (Abycgv) D P Zvc I e vk UwiqvRwbZ X j cov ivm mnbkxj 17 evwi nvbweªw U g Uv-3 (MÖx Kvjxb) D P Zvc mwnòz MÖx Kvjxb mski RvZ e vk UwiqvRwbZ X j cov ivm mnbkxj 18 cvu Kbvd-3 (eu Kbvd) I 4 Rjve Zv mwnòz 19 Bÿz-39 Liv, Rjve Zv, eb v Ges jebv³zv mwnòz 20 Bÿz-40 Liv, Rjve Zv, eb v Ges jebv³zv mwnòz 21 evwi wpbvev`vg-9 D P djbkxj I ^í gqv`x 22 evwi Avg-5 D P djbkxj I AvMvg RvZ 23 evwi Avg-6 D P djbkxj I gšmygx RvZ 24 evwi Avg-7 D P djbkxj I gšmygx RvZ 25 evwi Avg-8 D P djbkxj I bvex RvZ 26 evwi jvd-3 evsjv ` ki me Î Pvl hvm 27 evwi jvd-4 evsjv ` ki me Î Pvl hvm 28 evwi iv ^yuvb evsjv ` ki me Î Pvl hvm Dc iv³ dmjmg~ ni g a h jv K wl FY wbqgvpv i bb m jv Z FY cö`v bi ÿ Î mswkøó K wl we klá/k wl m úªmviy Kg KZ v `i mv _ civgk µ g Ges e vskvi-mövnk m ú K i wfwë Z FY wbqgvpvi wba viy Kiv h Z cv i 9.00 K wl I cjøx FY Kvh µ g mvd j i Î cö Yv`bv t K wl FY wezi Yi jÿ gvîv AR b K mswkøó e vs Ki e e vcbv KZ c ÿi mvdj wn m ei `Lv n e d j G AR b K mswkøó e vs Ki bzzb kvlv Lvjv, Aby gvw`z wwjvi kvlv, we ` k G PÄ nvdr Lvjvi Aby gv` bi ÿ Î Ab Zg BwZevPK gvckvwv wn m e we epbv Kiv n e GQvov, evsjv `k e vsk KZ K CAMELS Rating Gi ÿ Î Ab vb wel qi mv _ K wl FY wezi Y e vsk jvi mvdj KI we epbv Kiv n e Agri Financing Performance K CAMELS Gi "M" A_ vr e e vcbv ev Management Component Gi iwus G jÿ gvîv AR b, km Lv Z FY weziy, 4% iqvwz nv i FY weziy, wbr ^ kvlvi gva g FY weziy Ges Av`vq hvm F Yi wecix Z Av`v qi nvi K we epbv Kiv n e we kl Zvij mg_ bi ÿ ÎI K wl FY Kvh µ g cvi`k x e vsk jv AMÖvwaKvi cv e 14Zg c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

14 welq t - 14 wi UBj Kv gvi wwcvu g U A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year GQvovI AÎ e vs Ki wb œv³ Av iv wkqy wbr ^ FY Kg m~wp Z FY weziy I Av`vq Kvh µg Z ivwš^z Ki Z n e t ^wbf i FY Kg m~wp t ^wbf i FY Kg m~wp e vs Ki GKwU cyi bv FY Kg m~wp `vwi`ª we gvp bi j Mªv gi weënxb I Kg g gwnjv I cyiæl `i K mvsmvwbk KvVv gvi AvIZvq G b Ô ^wbf i evsjv `kõ Gi mn hvwmzvq G FY weziy Kiv n Q G FY Kg m~wp Z FY weziy Z ivwš^z Ki Z n e G Kvh µgwu K MwZkxj Kiv I myôzfv e ev Íevq bi j Kwgkb wfwëk gvvkgx A_v r FY mn hvmx/bdwbqb mn hvmxi cwie Z ch vqµ g ^wbf i evsjv `k KZ K AwaKvsk A j ezbf~³ gvvkgx hgb- µwwu mycvifvbrvi, BDwbU g v brvi BZ vw` wb qvm Kiv n q Q ^wbf i FY Kg m~wpi myôz I mdj ev Íevq b kvlv ch v q mkj Kg KZ v/kg Pvix `i m ú ³ Ki Z n e Ges vbxq ^wbf i evsjv `k Gi Kg x `i mv _ wbweo hvmv hvm i v Ki Z n e weaviwwwe FY Kg m~wp t weaviwwwe FY Kg m~wpi AvIZvq weaviwwwe Ges RbZv e vsk wjwg UW (mv ek RbZv e vsk) Gi g a 25 Ryb, 1995 Zvwi L m úvw`z Pzw³ (Banking Plan-cum-Agreement) gvzv ek weaviwwweõi AvIZvf~³ BDwmwmG mg~ ni AbyK~ j FY cª`v bi e e v Ki Z n e QvMj/ fov cvjb FY Kg m~wp t QvMj/ fov Drcv`b e w i gva g `vwi`ª we gvp bi j QvMj/ fov cvjb FY Kg m~wpi AvIZvq cö`ë eiv Ïi 100% FY weziy wbwðz Ki Z n e G wel q B Zvc~ e h mg Í wb ` kvejx `qv n q Q Zvi Av jv K eªxwws Lvgvi vcb, Avav wbweo c wz Z QvMj cvjb I ÿz`ª F Yi AvIZvq QvMj cvj b FY cö`vb wbwðz Ki Z n e Liv cxwoz GjvKvi Rb we kl FY Kg m~wp t e nëi iscyi, dwi`cyi I Rvgvjcyi A ji 12wU Rjvq `vwi`ª cxwoz Rb Mvôxi Kg ms vbmn Avqea K Kg Kv Û 8% my ` `vwi`ª cxwoz GjvKvi Rb we kl FY Kg m~wp bv g GKwU FY Kg m~wp cwipvwjz n Q G Kg m~wp Z AwaK iæz cö`vb K i FY cöevn e w Ki Z n e G e vcv i mv ek cjøx FY wefv Mi cî m~î bs- cfwe/we kl FY Kg m~wp/2006 ZvwiL- 09/01/2006 Bs Gi wb ` kbv AbymiY hvm n e mỳ gy³ FY Kg m~wp t ` ki wmwi I AvBjv AvµvšÍ, g½vcxwoz, Pi, nvii-evio Ges AbMÖmi GjvKvq f~wgnxb I cªvwšík K lk `i Rb Ômỳ gy³ FY Kg m~wpõ Z cªavb Kvh vj qi wb ` kbv Abyhvqx FY weziy Ki Z n e Ges weziyk Z FY wba vwiz mg q Av`v qi Rb Rvi cª Póv Pvjv Z n e GbwRI FY Kg m~wp t `vwi`ª we gvpb Kg m~wp Z FY cªevn e w i j GbwRI wjs KR Ges GbwRI `i Whole Sale wfwë Z FY cª`v b iæz Av ivc Ki Z n e K úv (wgkª ˆRe mvi) ˆZix FY Kg m~wp t K úv (wgkª ˆRe mvi) ˆZix FY Kg m~wp e vs Ki GKwU bzyb FY Kg m~wp gvwui De izv msi Y I Rwg Z ˆRe c`v _ i cwigvy evov bv dmj Drcv` bi c~e kz wbweo km Drcv`b, ˆRe mv ii Afve, ivmvqwbk mv ii AZ vwak e envi, Amg Drcv`b DcKiY e e vcbvi d j gvwui Drcv`b gzv µgk n«vm cv Q gvwui De izv Z_v Drcv`b gzv msi Y Ges e w i Rb Rwg Z mv ii e envi Acwinvh gvwui De izv Z_v Drcv`b gzv A zyœ Ges e w i gva g K wl Drcv`b evov bv Ges MÖxY e vswks Kvh µg ev Íevq bi j Avgv `i e vsk KZ K Av jvp FY Kg m~wp Pvjy Kiv n q Q G FY Kg m~wp Z FY weziy I Av`vq Kvh µg Rvi`vi Ki Z n e G Î AviwmwW mvk yjvi bs- 38/12 ZvwiL- 26/07/2012 Gi bxwzgvjv I wb ` kbv AbymiY Ki Z n e MÖvgxY bvix Kg ms vb FY Kg m~wp t ` ki A_ bwzk Kg Kv Û bvix `i m ú ³KiY I UKmB A_ bwzk cöe w i Rb A_ bxwzi g~j mªvzavivq bvix `i mwµq AskMÖnY, bvix-cyiæ li ˆelg `~ixkiy, bvixi gzvqb, bvix wbh vzb eü, bvix cvpvi cöwz iva Ges Kg Î bvixi wbivcëv weavbmn mvgwmök Av_ -mvgvwrk Dbœq b bvixi AskMÖnY GKvšÍ Avek K G welqwu we epbv K i AvMÖnx I K g v` gx MÖvgxY bvix `i cuywr mieiv ni j ÿ ÔMÖvgxY bvix Kg ms vb FYÕ bv g GKwU FY Kg m~wp Pvjy Kiv n q Q D³ FY Kg m~wpi bxwzgvjv I FY wbqgvpvi AviwmwW mvk yjvi bs- 42/14 ZvwiL- 27/01/2014 Gi gva g Rvix Kiv n q Q D³ mvk yjv ii bxwzgvjv AbymiYc~e K MÖvgxY bvix `i K FY cö`v bi wel q cö qvrbxq e e v MÖnY Ki Z n e cöwkwÿz hye `i Rb FY Kg m~wp t GKwU ` ki Av_ -mvgvwrk Dbœq bi g~j PvwjKv kw³ n jv m ` ki Kg g Rbkw³ Avi G Rbkw³i me P q iæz c~y Ask hyemgvr evsjv ` ki b vq Dbœqbkxj ` ki Î hyekw³ K ` ki mvwe K Av_ -mvgvwrk Dbœq b m ú ³ Kivi welqwu AZ ší iæz c~y hyemgvr AvZ wek vmx I m Rbkxj Zv `i K Dchy³ cwi ek m wói gva g wbqš Y I Kv R jvmv Z cvi j Dbœq bi MwZaviv emevb n e GR b B hyemgvr K RvZxq Dbœq bi cöwzwu Í i m ú ³ Kiv Acwinvh G welqwu we epbv K i hye Dbœqb Awa`ßi KZ K cöwk YcÖvß ekvi hye `i AvZ -Kg ms vb m wói wbwg Ë cuywr mieiv ni j ÿ ÒcÖwk YcÖvß hye `i Rb FYÓ Kg m~wp Pvjy Kiv n q Q; hvi bxwzgvjv I FY wbqgvpvi AviwmwW mvk yjvi bs- 44/14 ZvwiL- 05/08/2014 Gi gva g Rvix Kiv n q Q D³ mvk yjv ii bxwzgvjv AbymiYc~e K hye Dbœqb Awa`ßi n Z cöwk YcÖvß hye `i K FY cö`v bi wel q cö qvrbxq e e v MÖnY Ki Z n e 15Zg c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

15 - 15 wi UBj Kv gvi wwcvu g U-3 welq t A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year A_ eq ii Rb evwl K K wl I cjøx FY Kg m wp h_vixwz 1 RyjvB, 2015 ZvwiL _ K Kvh Ki e j MY n e Ges 30 Ryb, 2016 ch š Pj e gvv ch v q K wl I cjøx FY Kvh µg myôzfv e cwipvjbv I ev Íevq bi wbwg Ë KwZcq welq I Z_ cwiwkó AvKv i wb œ D jøl c~e K GZ`&m ½ mshy³ Kiv nj t evsjv `k e vs Ki K wl I cjøx FY Kg m~wpi LvZ/DcLvZ cwiwkó- ÔKÕ, Avgv `i e vs Ki AviwmwW-3 I 4 Gi wbqš Yvaxb Kg m~wpi ZvwjKv cwiwkó- ÔLÕ Ges ^í gqvw` K wl (dmj) FY/wewb qv Mi Av e`b cî cwiwkó- ÔMÕ A_ eq ii evwl K K wl/cjøx FY Kg m~wpi Aaxb wi UBj Kv gvi wwcvu g U-3 I 4 Gi wbqšyvaxb Kg m~wpf~³ LvZ/DcLvZmg~ ni wefvm/gwiqviqvix j gvîv/eivï m wjz cwiwkó- N, O, P, Q, R, S Ges cªavb Kvh vj q msiw Z cwiwkó-ôtõ (hv ciezx Z cª qvrbxqzvi wfwë Z e eüz n e) GQvov, cybta_ vqb xg Gi AvIZvq 10 UvKv wnmveavix `i Rb F Yi eivï cwiwkó-ôuõ Z cö`vb Kiv n q Q Ku Pv K úv mvi (Vermicompost) Drcv` bi FY wbqgvpvi cwiwkó- ÔVÕ, dmj Drcv` bi wbqgvpvi FY wbqgvpvi cwiwkó- ÔWÕ, dmj Drcv`b cwäkv I FY cwi kvam~px cwiwkó- ÔXÕ, FY wbqgvpvi (wgkª dmj/mv_x dmj/wi j Pvl) cwiwkó- ÔYÕ, dmjwfwëk exr Drcv`b FY wbqgvpvi cwiwkó-ôzõ, dmjwfwëk exr Drcv`b cwäkv I FY cwi kvam~px cwiwkó- Ô_Õ Ges bwcqvi Nvm Drcv`b weeiyx cwiwkó- Ô`Õ GZØ ZxZ, K wl I cjøx FY Kvh µg myôzfv e ev Íevq bi j Dc iv³ bxwzgvjv I Kg m~wp Ges wb ` kbv AbymiY I cwicvj bi cvkvcvwk PjwZ A_ eq ii FY wezi Yi j gvîv kzfvm AR b, FY Av`vq Rvi`viKiY I Ab vb wel q Kvh Kix c` ÿc MÖn Yi wbwg Ë wb œv³ wb ` kbvejx cwicvj bi Rb I Aby iva Kiv n jv t gvv ch v qi eivï/j gvîv wba viykv j MZ eq ii FY weziy Ae v ch v jvpbvmn evsjv `k e vs Ki wb ` kbv AbymiY Kiv n q Q fëd e L kñ mu LaѪL PjwZ A_ eq ii evwl K K wl I cjøx FY Kg m~wpi AvIZvq hi N ( p mv I h ln m)/h lu A gppj ql Ae L m fëcš gvu hl Ÿ (AviwmwW-3 I 4 Gi gvu eivï) a cl wbqš Yvaxb mswkøó kvlv I Zv `i GjvKvaxb L fñ lv kvlv-2 Gi fël«a GZ Q qc l i š Z Rjv I kvlvwfwëk Kg m~wpiqvix f exhèe Ll h Ges wei N u A gpmg~n Zv `i AbyK~ j cö`ë gvu eivï a cl wefv Mi GjvKvaxb K c v iu kvlv-1 Hl cök Z FY Pvwn`vi wfwë Z LjÑp wqju l f exh¾ve Ki e wefvm/gwiqv Awdmmg~n eivï cybte Ub c~e K kvlvmg~ n cöiy KiZt Gi Abywjwc h_vixwz wi UBj Kv gvi wwcvu g U-3 I 4 eive i cªiy Ki e D jøl, bzzbfv e h mkj kvlv Lvjv n Q m mkj kvlv jv ZI cjøx FY, z`ª FY, eûgylx Z`viKx FY I PvKzixRxexmn wewfbœ `vwi`ª we gvpb F Yi Rb eivï cö`vb Ki Z n e ÙÛ e ui h fël«a Q qc l fë r a wefvm ( p mv I h ln m)/h luv A gppj q a cl Ae L m fëcš j V hlvï (AviwmwW-3 I 4 Gi gvu eivï) Gi AvIZvq B ¹xgpm, B ¹xM a/ljñp wq I AvšÍtkvLvi eivï mgš^qc~e K GK kvlvi eivï Ab kvlv K cö`vb Ges Kvb kvlvi gvu eiv Ïi AvIZvq B ¹xgpm, B ¹xM a/ljñp wqi eivï mgš^qc~e K GZ hal Yi Aby gv`b cö`vb Ki Z cvi e Abyiƒcfv e wefvmxq Awdmmg~n AvšÍtGwiqv Awd mi eivï mgš^qc~e K GK Gwiqv Awd mi eivï Ab Gwiqv Awdm K cö`vb KiZt FY weziy L kñœ²j f lq me Ll a f l h z H dl bl pjš^ ul ho u fëd e L kñ m ul Ae j c el fë u Se q h e D jøl, Kb&Rygvm µwwu, mvbevi K v d FY I W±i&m jvb K wl I cjøx F Yi LvZmg~ ni AvIZvf ³ bq weavq G eiv Ïi Aaxb D³ LvZmg~ n FY weziy Kiv hv e bv HL V M al hl Ÿ AeÉ M a héhq l Ll l f hñ Eš² M al m isela h hqe Ll a q hz Ae j ca hl Ÿl BIZvq j W fkñ u GZ j l rja kb kbi h héhq l Ll q µr Le, acú ho u wefvmxq/ H lu Awdm q a ac l L Ll a q hz wi UBj Kv gvi wwcvu g U-3 Ges 4 pçfªš² M apj ql G Zl SeÉ fëd e L kñ mu LaѪL pju pju d kñél«a p cl q l fë k SÉ q hz K wl F Yi Î kz mv c mij nv i mỳ Av iv ci cöpwjz weavb envj _vk e (AviwmwW mvk yjvi bs- 220 ZvwiL- 09/09/1993 Abyhvqx) L«o I fõ GZ hal Z k a L e Ah ac A euj, `yb a J S mu a pwo Va e qu p ho u mswkøó plm L palñ cª ø l M pq fë u Se u e h Û NËqZ Ll a q h H ho u Bl p X p LÑ m l ew- 286 a lm-28/05/2005 Hhw fœ p œ ewfg h/a euj/`yb Ñ a/2005 a lm- 07/07/2005 Cw j lga fë la wb ` kvejx h_vh_fv e f lf me Ll a q hz GZ hal Zl cvkvcvwk GZ Bc ul ho uj iæaä B l f Ll a q hz AbÑ v GZ hal Zl mréj œ kzfvm ASÑe Ges GZ Bc ul Rb mev Z K cö Póv Pvjv Z q h Kvb FY hv Z Ljvcx/ kªyxk Z/Zvgvw` bv nq, m wel q we kl mzkz v Aej b Ki Z n Z wefvmxq Awdm (wm ju I ewikvj)/gwiqv Awdmmg~n Zv `i Aaxb mswkøó kvlvmg~ ni K wl I cjøx FY weziy I Av`vq msµvší k ha u abé hm pð ma mwvk I wbf yj GKxf~Z j pl/ˆîgvwmk weeiyx h_vmg q wi UBj Kv gvi wwcvu g U-3 Ges 4 G cöiy e ða Ll a q h z ZvQvov, wefvmxq Awdmmg~n Zv `i GjvKvaxb K c v iu kvlv-1 Gi K wl I cjøx FY weziy I Av`vq msµvší k ha u abé hm pð ma mwvk I wbf yj GKxf~Z j pl/ˆîgvwmk weeiyx h_vmg q wi UBj Kv gvi wwcvu g U-3 Ges 4 G cöiy e ða Ll a q hz n M pj q LaѪL p hñl GZ L kñœ²j k a kb kb J pjuja f lq ma qu p hou V hi N u/h lu A gp LaѪL e hs ac ll l j dé j e ÕQa Ll a q hz 16Zg c t `ªt C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

16 - 16 wi UBj Kv gvi wwcvu g U-3 welq t A_ eq ii K wl I cjøx FY bxwzgvjv I Kg m~wp Agricultural & Rural Credit Policy and Programme for the Fiscal Year K wl FY e e vq Z_ cªhyw³i e env ii j h mkj K wl I cjøx FYMªnxZvi wbr ^ gvevbj dvb i q Q, Zv `i gvevbj dvb b ^i kvlvq msi Y Ki Z n e K l Ki wb Ri gvevbj dvb bv _vk j AvZ xq/cªwz ekxi gvevbj dvb b ^ii msi Y Kiv hv e Z e, gvevbj dvb b ^i bv _vkvi ARynv Z Kvb K lk K K wl FY cª`vb n Z ewâz Kiv hv e bv K wl I cjøx FY kzfvm weziy I Av`v qi Rb K wl FY e e vq Z_ cöhyw³ I gvevbj dv bi e envi DrmvwnZ Ki Z n e K wl I cjøx FY Kg m~wp ev Íevq b Kvbiƒc civgk cª qvrb n j wi UBj Kv gvi wwcvu g U-3 Ges wi UBj Kv gvi wwcvu g U-4 Gi mv _ hvmv hvm Kivi Rb Aby iva Kiv hv Q Avcbvi wek Í, gvt Avn&mvb Djøvn& Dc-gnve e vck gvt bvwrg DwÏb gnve e vck Ae m fx 1. Kv úvbx mwpe, Kv úvbx G v dqvm wwcvu g U, Sea hé wl wjwg UW, fëd e L k Ñmu, Y L z 2. wc Gm Uz wmbi Ges GgwW, Sea hé wl wjwg UW, fëd e L k Ñmu, Y L z 3. e w³mz Kg KZ v, Dc-e e vcbv cwipvjk, Sea hé wl wjwg UW, fëd e L k Ñmu, Y L z 4. e w³mz Kg KZ v, mkj gnve e vck, RbZv e vsk wjwg UW, cöavb Kvh vjq, XvKv/wefvMxq Kvh vjq, XvKv-DËi/XvKv- `w Y/PUªMÖvg/ivRkvnx/Lyjbv/iscyi/Kywgjøv/gqgbwmsn/wm ju/ewikvj/dwi`cyi/ jvkvj Awdm/RbZv feb K cv iu kvlv 5. Awdm bw_ C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

17 cwiwkó- ÔKÕ RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv evwl K K wl/cjøx FY Kg m~wpt LvZ/DcLvZ 1 ^í gqvw` FY t 2 gqvw` FY t 1.1 dmj FY (Pv e ZxZ) 2.1 mp hš cvwz (K) ivcv Avgb K) Mfxi bjk~c (L) iwe dmj L) AMfxi bjk~c 1) ev iv M) Gj Gj wc 2) Mg N) n ÍPvwjZ bjk~c/iqvuvi cv ú/ UªWj cv ú 3) Avjy 2.2 cövwym ú` Dbœqb 4) AvL K) nv ji Miæ, gwnl 5) mwilv/ev`vg 6) Ab vb iwe dmj (Wvj, kxzkvjxb L) cövwym ú` Dbœqb kvk-mwâ BZ vw`) 1) Miæ gvuvzvrvkiy (M) MÖx Kvjxb dmj 2) `y» Lvgvi 1) AvDk/ evbv Avgb 3) QvMj/ fovi Lvgvi 2) cvu M) nuvm/gyimx Lvgvi ( cvjwuª) 3) fyæv N) Ku Pv K úv mvi Drcv`b 4) Ab vb MÖx Kvjxb dmj (wzj, MÖx Kvjxb kvk-mwâ BZ vw`) (N) Zzjv 2.3 K wl hš cvwz (O) exr Drcv`b K) cviqvi wujvi (P) Ab vb dmj (Av`v, KPz BZ vw`) L) Uªv±i M) dmj KvUv I gvovb qi hš N) Ab vb K wl hš cvwz 1.2 grm m ú` Dbœqb 2.4 bvm vix I D` vbwfwëk dmj (Kjv, Avbvim, evdkzj, I qjcvg BZ vw`) (K) grm Pvl (L) wpswo Pvl (M) G KvqvKvjPvi (N) iyy Drcv`b 1.3 jey Pvl 1.4 Ab vb ^í gqvw` Kg KvÛ (Kjv Pvl I wewea) 1.5 km `vg I evrvirvzkiy 2.5 cvb eir 2.6 gvkiæg Pvl 2.7 Avq Drcv`b g Kg KvÛ 2.8 MÖvgxY cwienb ( bškv, wi v, f vb, Miæi Mvwo BZ vw`) 2.9 Rjgnj e e vcbv 2.10 Ab vb gqvw` Kg KvÛ ( ikg wu Drcv`b, jv vmvq, L qi MvQ Drcv`b, ikg Pvl, ZuyZ MvQ Pvl BZ vw`) C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

18 RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv wi UBj Kv gvi wwcvu g U-3 cwiwkó- ÔLÕ wi UBj Kv gvi wwcvu g U-3 I 4 Gi AvIZvaxb K wl I cjøx FY m ú ³ Kg m wp/lvzmg n wb œ D jøl Kiv nj t wi UBj Kv gvi wwcvu g U-3 Gi AvIZvaxb K wl I cjøx FY m ú ³ Kg m~wp/lvzmg n t 1.01 wewfbœ gšmygx dmj Drcv`b FY Kg m~wp; (BUvc- ivcv Avgb, AvBAviwmwc-iwekm I AvBGmwmwc- MÖx Kvjxb dmj); % nvi my ` Wvj, ˆZjexR, gmjv RvZxq dmj I fyæv Pvl FY Kg m wp; 1.03 mp I K wl hš cvwz FY Kg m wp; 1.04 cykz i grm Pvl FY Kg m wp; 1.05 mbvzb c wz Z wpswo Pvl FY Kg m wp; 1.06 wpswo Pvl (wmwm-nvt) FY Kg m~wp; 1.07 D` vb Dbœqb FY Kg m wp (Kjv Pvl, Avbvim, cu c, cvb eir BZ vw`); 1.08 Kjv Pvl FY Kg m~wp; 1.09 cvb eir FY Kg m~wp; 1.10 cqviv Pvl FY Kg m~wp; 1.11 ZuvZ FY Kg m wp; 1.12 jey FY Kg m wp; 1.13 MÖvgxY cwienb; 1.14 Rwg eükx FY Kg m wp; 1.15 dyj Pvl; 1.16 Gg.Gm.Gd.Gm.wm.AvB.wc; 1.17 djr, ebr I Jlwa FY Kg m wp; 1.18 bvm vix I ebvqb; 1.19 Mvfx/gwnl cvjb FY Kg m wp; 1.20 mỳ gy³ FY Kg m~wp; 1.21 QvMj/ fov cvjb FY Kg m wp; 1.22 `vwi`ª cxwoz GjvKvq we kl FY Kg m wp; 1.23 grm Awa`ß ii mv _ grm FY Kg m wp; 1.24 fvmgvb LuvPvq grm Pvl; 1.25 K wl wfwëk cökí I K wl wfwëk cök í PjwZ g jab FY 2.00 wi UBj Kv gvi wwcvu g U-4 Gi AvIZvaxb K wl I cjøx FY m ú ³ Kg m~wp/lvzmg~n t 2.01 eûg Lx Z`viwK FY Kg m wp; 2.02 cwievi wfwëk z`ª FY Kg m wp; 2.03 N ivqv FY cökí; 2.04 ^wbf i FY Kg m wp; 2.05 cöwzeüx `i Rb we kl FY Kg m wp; 2.06 weaviwwwe; 2.07 gwnjv D ` v³v Dbœqb FY Kg m wp; 2.08 z`ª e emv Dbœqb FY Kg m wp; 2.09 km `vg FY Kg m~wp; 2.10 K wl wfwëk wkí FY I K wl wfwëk wk í PjwZ g~jab FY; 2.11 GbwRI wjs KR FY Kg m wp; 2.12 K úv (wgkª ˆRe mvi) ˆZix FY Kg m~wp; 2.13 Ku Pv K úv mvi Drcv`b FY Kg m~wp; 2.14 mvjvi c v bj; 2.15 ev qvm vm cø v U vcb; 2.16 MÖvgxY bvix Kg ms vb FY Kg m~wp; 2.17 cöwkwÿz hye `i Rb FY Kg m~wp; 2.18 PvKzixRxwe FY Kg m wp; 2.19 cjøx M n wbg vy FY Kg m~wp; 2.20 GmGdwWwc BZ vw` C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

19 - 19 wi UBj Kv gvi wwcvu g U-3 cwiwkó- ÔMÕ ^í gqvw` K wl (dmj) FY/wewb qv Mi Av e`b cî e e vck RbZv e vsk wjwg UW... kvlv kvlvi Rb cö qvr t cvm eb b ^i t... `ilv Í MÖn Yi ZvwiL t... FY wnmve b ^i t... Qwe welq t... Pv li Rb FY cö`vb cöm ½ Avwg/Avgiv Avcbvi e vsk kvlv n Z... A_ eq i km FY/wewb qvm MÖn Y B QzK Ges GZ`& Ï k wb œwjwlz Z_ vejx mieivn Kwi ZwQ 1 Av e`bkvixi bvg t... eqm t... 2 wczv/ ^vgxi bvg t... 3 gvzvi bvg t... 4 c~y wvkvbv t MÖvg t... WvKNi t... BDwbqb t... _vbv/dc Rjv t... Rjv t... 5 RvZxq cwipq cî bs t... 6 gvevbj dvb bs t... 7 Av e`bk Z F Yi mswkøó Pvlvaxb Rwg I Drcvw`Z dm ji we ÍvwiZ weeiy t- (K) wbr gvwjkvbvaxb gšrvi bvg LwZqvb bs `vm bs Rwgi cwigvy Drcvw`Ze dm ji bvg cöv_ xz FY/ wewb qv Mi cwigvy (L) em v Pvlvaxb (M) wjr Rwg 8 FY/wewb qv Mi RvgvbZ t cö`ë FY/wewb qv Mi wecix Z Drcvw`Ze /Drcvw`Z km e vs Ki wbku eük _vwk e 9 cwi kva c wz I FY/we b qv Mi gqv` t mswkøó km FY/wewb qvm MÖn Yi w`b nb Z e vsk KZ K wba vwiz mg qi g a mỳ /gybvdvmn cwi kva hvm 10 ez gvb `vq `bvi cwigvy t Acwi kvwaz FY/wewb qv Mi cwigvy t K) ^í gqvw` FY/wewb qvm t L) gqvw` FY/wewb qvm t 11 Avwg/Avgiv GB g g NvlYv Kwi ZwQ h, AÎ Av e`b c Î `vwljk Z mgmö Z_ vejx m ú~y wbf yj I mz Avwg/Avgiv GB g g cöwzköæwz I AsMxKvi Kwi ZwQ h, gäixk Z FY/wewb qvm Drcvw`Ze wbw` ó dmj Drcv` bi Kv R h_vh_fv e e envi Kwie Ges GB A_ Kvbµ gb Ab Kvb Kv R e envi Kwie bv Avwg/Avgiv Av iv AsMxKvi Kwi ZwQ h, gäyixk Z FY/wewb qv Mi cwi cöwÿ Z e vsk Av ivwcz mkj kz vejx h_vh_fv e gvwbqv Pwje Ges M nxz FY/wewb qvm Drcvw`Z dmj weµq Kwiqv mgqgz mỳ mn m ú~y iƒ c FY/wewb qvm cwi kva Kwie Ab _vq cöpwjz AvB bi AvIZvq Av`vj Z gvgjv `v qi/ K mi gva g e vsk Avgvi wbku nb Z mgỳ q cvibv Av`v qi e e v MÖnY Kwi Z cvwi e Av e`bkvixi ^vÿi/wucmwni mbv³kvixi ^vÿi Av e`bkvixi ^vÿi/wucmwn bvg t... wczvi bvg t... c~y wvkvbv t... C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

20 gvvkgx /cwi`k bkvix/mswkøó K wl Kg KZ vi mycvwik t Av e`bkvix KZ K Dc iv³ Z_ vejx Avwg m irwg b cwi`k b/ `vwljk Z Z_ vw` I `wjjvw` ch v jvpbv Kwiqv mš ó nbqv mb` cö`vb Kwi ZwQ h, ewy Z Z_ vejx mz I wbf yj Av e`bkvix K PjwZ gšmy g wb œv³ km vw` Drcv` bi j ÿ... UvKv FY gäywii mycvwik Kwi ZwQ dm ji bvg Rwgi cwigvy FY/wewb qv Mi cwigvy K) L) M) ZvwiL t gvvkgx /cwi`k bkvix/mswkøó K wl Kg KZ vi ^vÿi I mxj 13 FY/wewb qvm gäyikvix Kg KZ v KZ K c~iyxq t K) gäyixk Z gvu FY/wewb qv Mi cwigvy UvKv... (K_vq...gvÎ) L) gäyixi ZvwiL t... M) RvgvbZ t Drcvw`Z km I gryz km N) mỳ /gybvdv nvi t evwl K t... % nv i mij mỳ /gybvdv cö hvr nb e mỳ /gybvdv nvi cwiez bkxj e vsk KZ K mỳ /gybvdv nvi cwiez b Kiv nb j cwiewz Z mỳ /gybvdv nvi cö hvr nb e O) FY/wewb qv Mi aiy t P) FY/wewb qv Mi gqv` I cwi kva c wz t Q) dmjiqvix FY/wewb qv Mi cwigvy t 1) 2) 3) dm ji bvg bm` UvKv DcKiY (UvKvq) gvu UvKv FY/wewb qv Mi cwigvy wezi Yi ZvwiL cwi kv ai ZvwiL t ZvwiL t FY/wewb qvm gäyikvix Kg ZK vi ^vÿi I mxj 14 h nzz Avgv K/Avgvw`M K RbZv e vsk wjwg UW n Z 13bs Aby Q ` ewy Z kz vejx Z gvu UvKv... (K_vq t gvî) km FY/wewb qvm gäyi Kiv nbqv Q, m nzz Avwg/Avgiv GZØviv A½xKvi Kwi ZwQ h, Avgiv/Avgv `i Av e`bc Î ewy Z Rwg Z h km vw` Drcbœ nb e Zrmgỳ q Drcvw`Z Ges gryz km vw` hv Avgvi/Avgv `i wbr ndvr Z ev Ab Kvnv iv ndvr Z Av Q/_vwK e ev Ab v b biqv nb Z Q ev nb e Zvnv D³ FY/wewb qv Mi RvgvbZ ^iƒc MY n e Ges FY/wewb qvm cwi kva bv Kiv ch ší e vs Ki wbku `vqe _vwk e cö qvrb ev a e vsk D³ km vw` A_ev Av e`bc Î DwjøwLZ wbr gvwjkvbvaxb Rwg weµq Kwiqv e vs Ki FY/wewb qvm eve` cvibv Avmj I mỳ /gybvdv Av`vq Kwiqv wb Z cvwi e Bnv Z Avgvi/Avgv `i Kvb IRi AvcwË _vwk e bv, Kvb AvcwË _vwk j Zvnv AvBbMZ AMÖvn nb e e vsk n Z M nxz FY/wewb qvm cwi kva bv Kiv ch ší Zdmxj ewy Z wbr gvwjkvbaxb Rwg Kvnv iv wbku `vqe /n ÍvšÍi Kwie bv Ges Rwgi LvRbvw` wbqwgz cwi kva Kwie Dch y³ kz vejx Z e vsk KZ K gäyixk Z gvu UvKv... (K_vq t... gvî) FY/wewb qv Mi Rb AÎ `wjj ^ Qvq I ^Áv b m úv`b Kwijvg Pzw³ m úv` bi ZvwiL t Av e`bkvixi ^vÿi/wucmwn C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

21 (K) Rvwgb`v ii njdbvgv t (em v Pvlx `i ÿ Î Rwgi gvwjk I Ab vb ÿ Î cö qvrb ev a cwiev ii m`m e `/ AvZ xq ^Rb A_ev BDwbqb cwil `i Pqvig vb/ g ^vi A_ev mswkøó e vs Ki MÖvnK Rvwgb`vi nb Z cvwi e) Avwg GB g g wbðqzv cö`vb Kwi ZwQ h, Dch y³ FY/wewb qvm MÖnxZvi AbyK~ j gäyixk Z FY/wewb qv Mi UvKv... (K_vq t... gvî) h_vmg q mỳ /gybvdv I Ab vb LiPvw`mn cwi kva Kiv bv nb j Avwg FY/wewb qvm MÖnxZvi c ÿ Rvwgb`vi wn m e D³ FY/wewb qv Mi mgỳ q UvKv mỳ /gybvdvmn e vsk KZ K PvwnevgvÎ cwi kva Kwi Z eva _vwke ZvwiL t Rvwgb`v ii ^vÿi/wucmwn (wucmb nb j mbv³ Kwi Z nb e) wucmwni mbv³kvixi ^vÿi Rvwgb`v ii bvg t... mbv³kvixi bvg t... wczvi bvg t... wvkvbv t... c~y wvkvbv t gvevbj bs (L) em v Pvlx `i FY/wewb qvm cö`v bi ÿ Î Rvwgb`vi bv cviqv M j vbxq MY gvb e w³/e vs Ki wbku MÖnY hvm e w³i cöz qb cî t GB g g cöz qb Kiv hvb Z Q h, Dc iv³ FY/wewb qvm MÖnxZv e w³mzfv e Avgvi c~e cwiwpz wzwb Dc i ewy Z Zdmx ji Rwg Z Pvl Kwi Z Qb Ges M nxz FY/wewb qvm m mgqgz cwi kva Kwi eb cwi kva bv Kwi j Zvnvi KvQ _ K e Kqv Av`v q Avwg e vsk K mev Z Kfv e mnvqzv Kwie cöz qbkvixi ^vÿi/wucmwn (wucmb nb j mbv³ Kwi Z nb e) wucmwni mbv³vixi ^vÿi cöz qbkvixi bvg t... mbv³kvixi bvg t... wczvi bvg t... wvkvbv t... c~y wvkvbv t... c~y wvkvbv t gvevbj bs FY/wewb qvm Av e`b we epbv Kiv bv nb j Zvnvi KviY t ZvwiL t FY/wewb qvm gäikvix Kg KZ vi ^vÿi I mxj C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

22 - 22 RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv welq t A_ eq ii AviwmwW-3 m c ³ LvZ/DcLv Zi wefvm/gwiqv wfwëk eivï cwiwkó- ÔNÕ K) ^í gqv`x km F Yi LvZmg~ ni eivï t (j UvKvi As K) kxz I wefvm/ AvDk/ 4% iqvzx nvi my ` K wl FY Mªx µt ivcv Gwiqvi ev iv Mg Avjy evbv cvu Kvjxb bs Avgb bvg Avgb Wvj ˆZjexR gmjv fzæv dmj I kvkmerx gvu 01. XvKv c~e XvKv cwðg XvKv DËi XvKv `w Y bvivqbmä gyýxmä biwms`x dwi`cyi gv`vixcyi gqgbwmsn wk kvimä Uv½vBj Rvgvjcyi PÆMªvg-G PÆMªvg-we PÆMªvg-wm K evrvi Kzwgjøv `w Y Kzwgjøv DËi eªvþyevoxqv Puv`cyi bvqvlvjx dbx wm ju mybvgmä gšjfxevrvi nwemä Lyjbv mvz xiv h kvi wsbvb`n gv iv Kzwóqv PzqvWv½v ewikvj fvjv cuyqvlvjx ivrkvnx Puvt bevemä bv Uvi bimuv cvebv wmivrmä e ov iscyi MvBevÜv w`bvrcyi VvKziMuvI KzwoMªvg gvu = C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

23 RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv cwiwkó- ÔOÕ welq t A_ eq ii AviwmwW-3 m c ³ LvZ/DcLv Zi wefvm/gwiqv wfwëk eivï L) ^í gqv`x K wl F Yi LvZmg~ ni eivï t (j UvKvi As K) µt bs Gwiqv/AÂ ji bvg grm Awa`ß ii mv _ grm FY Kg m~wp/fvmgvb LvuPvq grm Pvl cykz i grm Pvl mbvzb c wz Z wpswo Pvl dzj Pvl gvkiæg jeb gvu 01. XvKv c~e XvKv cwðg XvKv DËi XvKv `w Y bvivqbmä gyýxmä biwms`x dwi`cyi gv`vixcyi gqgbwmsn wk kvimä Uv½vBj Rvgvjcyi PÆMªvg-G PÆMªvg-we PÆMªvg-wm K evrvi Kzwgjv `w Y Kzwgjv DËi eªvþyevoxqv Puv`cyi bvqvlvjx dbx wm ju mybvgmä gšjfxevrvi nwemä Lyjbv mvz xiv h kvi wsbvb`n gv iv Kzwóqv PzqvWv½v ewikvj fvjv cuyqvlvjx ivrkvnx Puvt bevemä bv Uvi bimuv cvebv wmivrmä e ov iscyi MvBevÜv w`bvrcyi VvKziMuvI KzwoMªvg gvu = C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

24 RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv wi UBj Kv gvi wwcvu g U-3 welq t A_ eq ii AviwmwW-3 m c ³ LvZ/DcLv Zi wefvm/gwiqv wfwëk eivï cwiwkó- ÔPÕ M) gqv`x K wl/cjøx F Yi LvZmg~ ni (KwZcq `vwi`ª we gvpb LvZmn) eivï t (j UvKvi As K) Mvfx/gwnl/Pjb `vwi`ª cxwoz cvb, wjpy µt wefvm/ Gwiqvi mp/k wl QvMj/ fov djr, ebr, wej GjvKvq nvum GjvKvq we kl Kzj, cqviv bs bvg hš cvwz cvjb Jlwa cvjb FY Kg m~px BZ vw` ZuvZ gvu 01. XvKv c~e XvKv cwðg XvKv DËi XvKv `w Y bvivqbmä gyýxmä biwms`x dwi`cyi gv`vixcyi gqgbwmsn wk kvimä Uv½vBj Rvgvjcyi PÆMªvg-G PÆMªvg-we PÆMªvg-wm K evrvi Kzwgjøv `w Y Kzwgjøv DËi eªvþyevoxqv Puv`cyi bvqvlvjx dbx wm ju mybvgmä gšjfxevrvi nwemä Lyjbv mvz xiv h kvi wsbvb`n gv iv Kzwóqv PzqvWv½v ewikvj fvjv cuyqvlvjx ivrkvnx Puvt bevemä bv Uvi bimuv cvebv wmivrmä e ov iscyi MvBevÜv w`bvrcyi VvKziMuvI KywoMªvg gvu = C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

25 wi UBj Kv gvi wwcvu g U-3 RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv cwiwkó- ÔQÕ welq t A_ eq ii AviwmwW-4 m c ³ LvZ/DcLv Zi wefvm/gwiqv wfwëk eivï K) ^í/ gqv`x F Yi `vwi`«we gvpb LvZmg~ ni eivï t (j UvKvi As K) hye Dbœqb Awa`ßi n Z cwievi MÖvgxY bvix µt Gwiqv/ eûgylx cöwzeüx N ivqv ^wbf i weaviwwwe cöwkÿycövß hye `i wfwëk Kg ms vb bs wefv Mi bvg FY AvZ Kg ms vb FY FY FY FY FY z`ª FY FY gvu 01. XvKv c~e XvKv cwðg XvKv DËi XvKv `w Y bvivqbmä gyýxmä biwms`x dwi`cyi gv`vixcyi gqgbwmsn wk kvimä Uv½vBj Rvgvjcyi PÆMªvg-G PÆMªvg-we PÆMªvg-wm K evrvi Kzwgjøv `w Y Kzwgjøv DËi eªvþyevoxqv Puv`cyi bvqvlvjx dbx wm ju mybvgmä gšjfxevrvi nwemä Lyjbv mvz xiv h kvi wsbvb`n gv iv Kzwóqv PzqvWv½v ewikvj fvjv cuyqvlvjx ivrkvnx Puvt bevemä bv Uvi bimuv cvebv wmivrmä e ov iscyi MvBevÜv w`bvrcyi VuvKziMuvI KzuwoMªvg gvu = C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

26 RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv wi UBj Kv gvi wwcvu g U-3 cwiwkó- ÔRÕ welq t A_ eq ii AviwmwW-4 m c ³ LvZ/DcLv Zi wefvm/gwiqv wfwëk eivï L) Ab vb ^í/ gqv`x F Yi LvZmg~ ni eivï t (j UvKvi As K) µt bs wefvm/ Gwiqvi bvg mšikw³, mgwš^z Miæ cvjb, ev qvm vm cø v U ˆRe mvi I Ku Pv K úv PvKzixRxwe FY gwnjv D ` v³v km `vg FY 01. XvKv c~e XvKv cwðg XvKv DËi XvKv `w Y bvivqbmä gyýxmä biwms`x dwi`cyi gv`vixcyi gqgbwmsn wk kvimä Uv½vBj Rvgvjcyi PÆMªvg-G PÆMªvg-we PÆMªvg-wm K evrvi Kzwgjv `w Y Kzwgjv DËi eªvþyevoxqv Puv`cyi bvqvlvjx dbx wm ju mybvgmä gšjfxevrvi nwemä Lyjbv mvz xiv h kvi wsbvb`n gv iv Kzwóqv PzqvWv½v ewikvj fvjv cuyqvlvjx ivrkvnx Puvt bevemä bv Uvi bimuv cvebv wmivrmä e ov iscyi MvBevÜv w`bvrcyi VuvKziMuvI KzuwoMªvg gvu = gvu C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc

27 RbZv e vsk wjwg UW cöavb Kvh vjq, XvKv cwiwkó- ÔSÕ welq t A_ eq ii wefvmxq Awd mi RywimwWKk bi g a mkj K c v iu kvlv-1 Gi eûgylx, gwnjv D ` v³v I PvKzixRxwe FY Kg Kv Ûi Rb wefvmxq Awd mi eivï (j UvKvi As K) µt bs wefvmxq Awdm eûgylx Z`viKx PvKzixRxwe gwnjv D ` v³v gvu 01. XvKv DËi XvKv `w Y PÆMªvg wefvm Lyjbv wefvm gvu = cwiwkó- ÔTÕ 01. cöavb Kvh vj q msiw Z t K wl wfwëk cªkí = j UvKv ( cvwë«lvgvi I n vpvix = j UvKv, WBix Lvgvi = j UvKv, grm Lvgvi I n vpvix j UvKv ) GbwRI = j UvKv, z`ª e emvqx Dbœqb cökí = j UvKv, gwnjv D ` v³v = j UvKv, mỳ gy³ FY = j UvKv (ciezx Z gvv ch v q e Ub Kiv n e) gvu = j UvKv (j UvKvi As K) t cwiwkó- ÔUÕ ** cybta_ vqb xg Gi AvIZvq 10 UvKv wnmveavix `i Rb F Yi eivï; hv B Zvg a gvv ch v q cöiy Kiv n q Q (j UvKvi As K) t *** gvu eivï (cwiwkó = N + O + P + Q + R + S + T + U) = j UvKv Md. Abdul Halim Khan Senior Executive Officer Retail Customer Department-3 Janata Bank Ltd., Head Office, Dhaka. gvt Avjvj DwÏb Avn g` G vwmmu v U Rbv ij g v brvi C:\Users\Abdul Halim\Desktop\Credit Policy and Prog for Web site.doc