dy; btnyhg;kd;l; Ngq;f; PLC - · PDF filetq;fpAldhd Kd;ida fzf; ... flTr;rPl;il rku;g;gpf;fyhk;. 18 taJilatuhfTk; ,yq;ifapy; tuhf ,Uj;jy;Ntz;Lk;. rhj;jpaf;$W tq;fpapy;; itg;gPL cila

ne\dy; btnyhg;kd;l; Ngq;f; PLC Kf;fpa epfo;Tldhd Mtzq;fs;

tq ;f pa pd ; r py ;yiw nfhLf ;fy ; thq ;fy ;fs ;

gz cjtp trjpfs;

jdpg;gl;l fld;fs;

tPl;L fld;fs;

tpyf;F toq;F tpahghuk;

jq;feif mlF gpbj;jy;

thfd jtiz epjp

#upatY njhFjp fld;fs;

tPl;Lfld; nkf;];

tPl;Lfld; nkf;]; - fdTf; fld;

tPl;Lfld; nkf;]; - kpif gw;W

Kf;fpa tpla Mtzk; -gz cjtp trjpfs; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T

cs;slq;fshf epjp kw;Wk; Vida gad;fs;

fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b

cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F

gpd;gw;wNtz;ba eilKiw

Kf;fpa tpjpfs; kw;Wk; epge;jidfs;

NDB gz cjtp trjpfs;

Mff;Fiwthd Mtzq;fSld; fUkg;gPlk; Clhf gzj;ij ngw;Wf;nfhs;sf;$baik.

tq;fpAldhd Kd;ida fzf;F njhlu;Gfs; Njitg;glhJ.

gapw;rp ngw;w fpis Copau;fspD}lhf jdpg;gl;l Nrit

kpif gw;W kw;Wk; fld;fSf;F trjp toq;Fk; Kfkhf 90% &gh itg;gPLk; 85 % ntspehl;L ehza itg;gPLk; toq;fyhk;. kpifg;gw;W kw;Wk; fld;fSf;F (ntspehl;L ehza itg;gPLf;F jw;NghJ tq;fpapd; eilKiwapYs;s nfhs;iff;Fl;gl;lJ)

fld; gj;jpuj;Jf;F 90% tPjKk; tq;fp cj;juthjj;jpw;F 100% tPjKkhf.

epue;ju itg;gPL kw;Wk; Nrkpg;G itg;gPL kPjhd itg;gPL njhlu;G fl;lzk;

kw;iwa gz gj;jpuq;fs; kw;;Wk; ntspehl;L ehzak; njhlu;ghf mwpe;Jnfhs;s jaTnra;J tq;fp ,izaj;jsj;ij mZfTk;.

Kd;dwptpj;jypd;wp tq;fpia tpUg;gj;Jld; khw;wpf;nfhs;tjd; mbg;gilapy; &gh 1500 nray;Kiw fl;lzkhf mwtplg;gLk;

Kd;dwptpj;jypd;wp tq;fpia tpUg;gj;Jld; GJg;gpj;Jnfhs;tjpd;; mbg;gilapy; &gh 750 nray;Kiwfl;lzkhf mwtplg;gLk;.

KOikahf G+u;j;jp nra;g;gl;L ifnahg;;gkplg;gl;l tpz;zg;gg;gbtk;.

rhl;rpAld; KOikahf rupnad ep&gpf;fg;gl;l tpjpfs; kw;Wk; epge;jidapd;; mbg;gilapy; ifnahg;gkply;

fld; gj;jpuj;ij G+uzg;gLj;jp ifnahg;gkplg;gl;Ls;sJ.

%d;whk; gpuptpduhy; fld; gj;jpuj;ij G+uzg;gLj;jp ifnahg;gkplg;gl;Ls;sJ. (Njit Vw;gbd;)

nry;YgbahFk; Njrpa milahs ml;ilapd; gpujp toq;fg;glNtz;Lk;. Njrpa milahs ml;il ,y;yhtplj;J (Njrpa milahs ml;il ,yf;fj;ijnfhz;l) rhujp mDkjp gj;jpuk; / my;yJ flTr;rPl;il rku;g;gpf;fyhk;.

18 taJilatuhfTk; ,yq;ifapy; tjptplj;ij nfhz;ltuhf ,Uj;jy;Ntz;Lk;. rhj;jpaf;$W

tq;fpapy;; itg;gPL cila thbf;ifahsuhf ,Uj;jy;Ntz;Lk;.

Mff;Fiwe;j trjpj;njhif 50f; ,Ug;gJld; Mff;$baJ itg;gPl;L njhifapd; ngWkjpia nghUj;jJ.

Mff;$ba kPs;nrYj;Jk; fhyk; 7 tUlkhFk;.

tq;fpapd; jdpg;gll tpUg;gj;jpd; Ngupy; ,r;rYiffs; fpilf;ff;$bajhf ,Ug;gJld; ,J Njitahd rfy Mtzq;fSk; KOikahf G+u;j;jp nra;J rku;g;gpj;jYf;F cl;gl;lJ.

Kf;fpa tpla Mtzk; -jdpg;gl;l fld;fs; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T






NDB fdTf; fld;

FWfpa fhyg;gFjpf;Fs; flid ngw;Wf;nfhs;sf;$baik.

tq;fpAldhd Kd;ida fzf;F njhlu;Gfs; Njitg;glhJ.

gpiz tpyf;fy;. epue;ju kw;Wk; tpj;jpahrkhd tl;b tpfpjq;fis njupT nra;af;$ba nefpo;T

kuzk; kw;Wk; epue;ju mq;ftPdj;Jf;F ,ytr fhg;GWjp

fy;tp eltbf;iffSf;fhf fld;fs; toq;fg;gLk;.

rk;gs nfhLg;gdTfs; jpfjpfis mbg;gilahf nfhz;l nefpOk; jd;ikAlila kPs;nrYj;Jjy;

ve;jnthU rl;l eltbf;ifSf;fhfTk; fld;

mz;kpj;j tl;b tpfpjj;ij mwpe;Jnfhs;tjw;F jaTnra;J NDB ,izaj;jsj;ij ghu;itaplTk;.

nray;Kiw fl;lzq;fs;- njspthd trjpfs;

999,999 tiu ,.& 5,000

1,000,000-1,999,999

,.& 7,500

2,000,000 kw;Wk; mjw;F Nky;

,.& 9,000

Fwpg;G : Nkw;Fwpg;gpl;Ls;s xt;nthU fld; mikg;G kl;lq;fSf;Fk; ,.& 2500 Ntf RtL mbg;gilapy; Nru;f;fg;gLk;. nray;Kiw fl;lzq;fs;- gz cjtpf;fhf mlkhdk; nra;ag;gl;litfs;.

999,999 tiu ,.& 7,500

1,000,000-1,999,999

,.& 9,000


,.& 12,500

rl;leltbf;if fl;lzk; Muk;g mlkhdk;- kPjp

njhifapy; 0.5% kw;Wk; 1.0 kpy;ypad; ,.& 10>0000 tiu.

NkYk; mlkhdk;- kPjp njhifapy; 0.03% kw;Wk; 1.0 kpy;ypad; ,.& 7>500 tiu

Kw; nfhLg;gdT> gFjp / epYitf;F 4% KO nfhLg;gdT

KOikahf G+u;j;jp nra;ag;gl;L ifnahkpg;gkplg;gl;l tpz;zg;gg;gbtk;

rhl;rpAld; KOikahf rupnad ep&gpf;fg;gl;l tpjpfs; kw;Wk; epge;jidapd;; mbg;gilapy; ifnahg;gkply;

rk;gsk; kw;Wk; jtizg;gzj;ij epWj;jp itj;J mij mDg;Gtij cWjpnra;Ak; epiyahd mwpTWj;jy;fSlhd KOikahf G+uzg;gLj;jg;gl;l njhopy; toq;Fdupd; fbjk;

fle;j %d;W khjq;fspd; rk;gs gl;bay;

ifnahg;gkpl;L rhl;rpAld; rupnad ep&gpj;J KOikg;gLj;jg;gl;l Ntz;LNfhSldhd KOikahd thf;FWjp gj;jpuk;.;

nry;YgbahFk; Njrpa milahs ml;ilapd; gpujp toq;fg;glNtz;Lk;. Njrpa milahsml;il ,y;yhtplj;J rhujp mDkjp gj;jpuk; / my;yJ flTr;rPl;il rku;g;gpf;fyhk;. (Njrpa milahs ml;il ,yf;fq;fis nfhz;l)

kpd;rhu fl;lz gw;Wr;rPl;L> jz;zPu; fl;lz gw;Wr;rPl;L> nghUj;jg;gl;Ls;s njh.Ngrp gw;Wr;rPl;L. %d;W khjq;fSf;fhd tq;fpf;$w;Wfs;

Kiwahf ifnahg;gkplg;gl;l cly; eyj;ij cWjp nra;Ak; fbj %yg;gpujp.

Ranjhopy; fld; tpz;zg;gjhup fle;j ,uz;L tUlq;fis tuT nryT tpguk; kw;Wk; Ie;njhif fzf;F tpguk; Kd;itf;fg;glNtz;Lk;.

,yq;if trpg;gplthrpfs; / 18 taJf;F Nkw;gl;l nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAila ntspehl;by; Ntiy nra;Ak; ,yq;ifia trpg;gplkhff;nfhs;shj ,yq;ifau;fs;

rhj;jpa$W Kd;G rupahdtnud mq;fPfupf;fg;gl;l tq;fp Copau.; tq;fpahy; mq;fPfupf;fg;gl;l

njhopy;rhu; FOTldhd gjpTnra;ag;gl;l epGzu;fs;

Ranjhopypy; <Lgl;Ls;s epGzu;fs; njhopy;rhuhjtu;fshd

];jhgdq;fspd; cupikahsu;fs;> gq;fhsu;fs;> mj;jpal;rfu;fs;;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; njhopy; mDkjp gj;jpuj;ijAila ,yq;ifia tprpg;gplkhff;nfhs;shjtu;fs;

Fwpg;G: njhopy;rhuh Copau;fSf;fhd fld;

trjpfs; kw;Wk; Vw;Wf;nfhs;sf;$$ba ghJfhg;gpd; mbg;gilapy;; ,yq;if tjptplhj ntspehl;by; njhopy;GupAk; ,yq;ifau;fs; mDkjpf;fg;gLtu;;.

Mff;Fiwe;j fld; trjp 100>000 kw;Wk; Mff;$ba fld; trjp 4>500>000

kPs; nrYj;Jk; Mff;$ba fhy vy;iy 5-7 tUlq;fshFk;. (kPs; nrYj;Jk; fhy vy;iy tpz;zg;gjhupapd; tifia mbg;gilahf nfhz;bUf;Fk;.)

kPs; nfhLg;gdT fhyk; -55 tUlq;fs; tiu Mdhy; tpahghu ];jhgdj;jpd; Xa;T+jpa nfhs;ifapd; mbg;gilapy;; 60 tUlq;fs; tiu ePbf;fyhk;. -mur cj;jpNahf];ju;fSf;F 65 taJ tiu -mur gy;fiyf;fofq;fs; kw;Wk; gy;fiyf;fof khdpaq;fs; Mizf;FOTld; Nru;e;j gy;fiyf;fof tpupTiuahsu;fSf;F 65 taJ tiu.

Kf;fpa tpla Mtzk; - tPl;L fld;fs;

NDB tPl;L fld; rfy tpjkhd tPl;L

Njitf;fhd tPl;L fld; fhzp/fl;blk; nfhs;tdT nra;tjw;F Maj;jk; fl;Lkhd fld; tp];jupg;G fld; Nkk;gLj;jy; fld;fs;

nrhj;Jfs; nfhs;tdT> fl;Lkhdk; kw;Wk; tPl;il Nkk;gLj;Jtjw;F Vw;fdNt fld; ngw;wpUe;jhy; Nkyjpf tplaq;fSf;fhf fld; toq;fyhk;.

epue;ju my;yJ epue;jukw;w tl;b tPjj;jpw;F ,ilapy; njupTnra;Ak; re;hu;g;gk;.

cq;fs; thrw;gbf;Nf tUk; Jupj Nrit.

kypthd tl;b tpfpjk;: CNrep mq;fj;jtu;fSf;F tpNrl Fiwe;j tl;b tpfpjk;.

• Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,iza jsj;ij ghUq;fs;.

Mff;$ba njhif &gh 60>000/- cld; 2% tpfpjk;

fhg;GWjp

- <l;L ghJfhg;G nfhs;if (jdp jtizg;gzk;)

- jiyg;G fhg;GWjp (gpuNahfj;jf;fjhf ,Ug;gpd;)

- nghJ fhg;GWjp (gpuNahfj;jf;fjhf ,Ug;gpd;)

<l;L gpizg;gj;jpuk; epiwNtw;Wtjw;fhf kw;iwa fl;lzq;fis gpuNahfpf;fyhk;.

Kd; nfhLg;gdT> / gFjp> KO nfhLg;gdT epYitf;F 4% tpfpjk;

%y trjpf;F Nky; mguhj tl;b 2%.

tUkhd Mtzq;fs; fld; tpz;zg;gj;ij

KOikahf G+uzg;gLj;jp ifnahg;gkplg;gl;Ls;sJ.

KOikahf mj;jhl;rpg;gLj;jg;gl;l Njrpa milahs ml;il> rhujp mDkjpgj;jpuq;fs; kw;Wk; flTr;rPl;bd; cz;ik gpujpfs;

fle;j khj rk;gs tpguk; (%yg;gpujp my;yJ mj;jhl;rpg;gLj;jg;gl;l gpujp)

rk;gsk;> epue;ju nfhLg;gdTfs;> njhopy;> Nrit nra;j tUlq;fs; kw;Wk; Xa;TngWk; taJ Nghd;witfis cWjpnra;Ak; njhopy; toq;Fduhy; toq;;fg;gl;l fbjj;jpd; %yg;gpujp.

fle;j %d;W khjj;jpd; %yg;gpujpAldhd tq;fp mwpf;if /mj;jhl;rpg;gLj;jg;gl;l gpujpfs;

rl;l Mtzq;fs;

fhzp gjpthsuplkpUe;J 25 tUlj;Jf;fhd %yg;gpujpapd; Fwpg;Gfs;

cg gpuptpd; mDkjpAldhd fhzp tiuglk;

fle;j 25 tUlj;Jf;fhd tiuglk;

25 tUlj;Jf;fhd Gjpa cWjp cs;slq;fshf cWjp gpujpfs;

gpuNjr mjpfhurig rhd;wpjo; (tPjp NfhL / cupkkw;w / cupik rhd;wpjo;)

fzpg;gPL mwptpj;jy; ,Wjp fhyhz;Lf;fhd urPJ

,yq;if FbAupikAilatu; / FbAupikaw;wtu; 18 taJf;F Nkw;gl;ltUk;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAilatu;

rhj;jpaf;$W

Kd;G rupahdtnud mq;fPfupf;fg;gl;l tq;fp Copau;.

tq;fpahy; mq;fPfupf;fg;gl;l njhopy;rhu; FOTldhd gjpTnra;ag;gl;l epGzu;fs;. ;

njhopy;rhu;e;j Ranjhopypy; <Lgl;Ls;stu;.

njhopy;rhuhjtu;fshd ];jhgdq;fspd; cupikahsu;fs;> gq;fhsu;fs;> mj;jpal;rfu;fs;

,yq;if tjptplkw;wtu; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; njhopy; mDkjp gj;jpuj;ijAilatu;

gpd;tUtditfs; mbg;gilapy; Mff;$Ljyhf 20 tUlq;fs; tiu kPsnrYj;Jk; tifapy;

taJ 55 tiu fk;gdpapd; Xa;T+jpa nfhs;if mbg;gilapy; 65 tiu tp];jupj;jy;

mur gy;fiyf;fofq;fs; kw;Wk; gy;fiyf;fof khzpa Mizaj;Jld; ,ize;j gy;fiyf;fof tpupTiuahsu;fSf;F 65 taJ tiu

65 tiu njhopy;rhue;j Ranjhopypy; <Lgl;Ls;stu;fSf;F kw;Wk; ,yq;ifia tjptplkhf nfhz;buhjtu;fSf;F.

mlkhdk; nra;Ak; Mjdj;jpd; mbg;gilapy; (tpad fld; jpl;lk; cs;slq;fshf)

Fwpg;G : . vt;thwhapDk; rl;l Mtzq;fs; Njitg;gLk;NghJ cWjpapd; jd;ik mbg;gilapy; tq;fp mj;jhl;rpg;gLj;jg;gl;l %y rhd;wpjo;fis NfhUk;. njhopDl;g Mtzq;fs; fl;Lkhdk; /

tp];jupj;jy;fSf;F mq;fPfupf;fg;gl;l fl;bl tiuglk; fl;Lkhdk; / tp];jupj;jy; / Nkk;gLj;jy; Nghd;witfSf;F msT tpgu gj;jpuk.;

nfhs;tdT nra;a Maj;jkhf ,Ue;jhy; Mjdj;ij tpw;gid nra;a cld;gLfpwhu; vd;gij cWjpnra;Ak; tpw;gid nra;gtupd; fbjk;

cWjp nra;Ak; rhd;wpjo;

,iltplhJ 5 tUlkhf Copau; ek;gpf;if epjpaj;Jf;F gq;fspg;G toq;fpa tpz;zg;gjhuu; tpad flid ngwf;$batuhf ,Ug;gJld; Fwpj;j tpz;zg;gjhup 2 tUlk; epjp gq;fspg;ig toq;fpatuhf ,Uj;jy;

Njitahd Mf;fFiwe;j ek;gpf;if epjpa kpFjpapd; ghf;fp NfhUk; njhifia nghUj;jJ.

Kf;fpa tpla Mtzk;- tpyf;F toq;F tpahghuk; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp

cau;T cs;slq;fshf epjp kw;Wk; Vida gad;fs;





NDB tpyf;F toq;F tpahghuk;

nfhs;tdT / ,yhgk; <l;Ltjw;F gq;F tpahghuk;

NDBS gq;F juF FOtpypUe;J KjyPl;L MNyhridfs;

tq;fpAldhd Kd;ida fzf;F cwTfs; Njitg;glhJ.

gapw;wg;gl;l Copau;fs; Clhf jdpg;gl;l Nrit

kypT fl;lzq;fs;

Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.

cwT rhu;e;j fzf;if Muk;gpf;Fk; gbtk; (tq;fp KYC gbtj;Jld;)

facility. tpyf;F toq;F tpahghu trjpf;fhd tpz;zg;gg;gbtk;

Fwpj;j tpjj;jpy; KOikg;gLj;jf;$ba CDS cld; njhlu;Gila gbtq;fs;

Fwpj;j tpjj;jpy; KOikg;gLj;jf;$ba fle;j gz Gwy;T Mjhuk;

fle;j gz Gwy;T fzf;F tpguk; kw;Wk; rk;gs gl;bay; Mjhuk;

fk;gdpnahd;W fld; thq;Fkhapd; 3 tUlj;Jf;fhd epjp tpguk;

KOikahf mj;jhl;rpg;gLj;jg;gl;l Njrpa milahs ml;ilapd; gpujp / my;yJ nry;YgbahFk; flTr;rPl;L

tpyf;F toq;F tpahghu xg;ge;jk;

ml;Nlhu;dp mjpfhuk; (POA).

jdpg;gl;ltu;fSf;F rj;jpaf;fljhrp/ fk;gdpfSf;fhf nghWg;Ngw;Fk; fbjk;

fk;gdpfSf;fhd jPu;T rig CDS fzf;Ffspy; ,Uf;Fk;

,dq;fz;l gq;FfSf;F cWjpnkhopia ngw;Wf;nfhs;sy;

trjp toq;Fk; jpfjpf;F my;yJ rl;l eguhf (fk;gdp/ $l;Ljhgdk;) taJ 18f;F Nkw;gl;lJk; 60 taij flf;fhj NDB tq;fpAld; jw;NghJ ,Uf;Fk; thbf;ifahsu; kw;Wk; Gjpa thbf;ifahsu;fs;

tjptpl my;yJ tjptplkw;w ,yq;if gpui[ (tjptplkw;wtUf;F Kd; xOq;FgLj;Jk; (CBSL) mq;fPfhuk; ,Uj;jy; mtrpak;)

mgha mstPl;L re;ij ngWkjp (RWMV) vd;w uPjpapy; 50% tPj gq;Ff;F trjpfs; toq;fg;gLk;. (guhkupg;gjw;fhd tpyf;F). vt;thwhapDk; ,e;j tpfpjk; Kd;dwptpj;jypd;wp khw;wYf;F cl;gl;lJ.

Fwpg;G guhkupg;gjw;fhd tpyf;F midj;J NtisapYk; eiKiwapypUf;Fk;. mt;thwhd tpfpjq;fs; elj;jg;glhj re;ju;g;gj;jpy; Fwpj;j RWMV guhkupg;ig Nkw;nfhs;tjw;F gq;Ffis ,y;yhnjhopf;Fk; cupikia tq;fp nfhz;bUf;Fk;.

KjyPL 3 tpj;jpahrkhd fk;gdpfSld; fye;Jnfhz;L KjyPl;il gy;tifg;gLj;Jk;.

jdpg;gl;l fk;gdpapd; KjyPL 33.33% tPjj;ij flf;ff;$lhJ..

Mff;Fiwe;j fld; trjp 2>000>000 MfTk; Mff;$baJ 200>000>000 MFk;.

12 khjj;jpw;F trjpfs; fpilf;ff;$bajhf ,Ug;gJld; mjd;gpd; kPsha;Tk; GJg;gpj;jYk; nra;ag;gLk;.

nray;Kiw kw;Wk; GJg;gpj;jy; Nghd;witfSf;F fl;lzk; mwtplg;gLtJld; fhyj;Jf;F fhyk; mj;njhif njhlu;ghf mwptpf;fg;gLk;.

midj;J Njitahd Mtzq;fs; G+uzg;gLj;jg;gl;ljd; mbg;gilapy;> tq;fpapd; fld; kjpg;gPl;L msTld; tq;fp jdpg;gl;l tpUg;gj;jpd; Ngupy; fld; trjpfs; fpilf;f$bajhf ,Uf;Fk;.

Kf;fpa tpla Mtzk;- mlF gpbj;jy; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T






NDB mlF gpbj;jy;

jq;fj;ij <L itg;gjd; %yk; gzk; ngw;Wf;nfhs;sy;

Jupj nraw;ghLk; kPs toq;fYk; trjpahdJk; rhjhuzkhdJkhd Mtzq;fs;.

tq;fpAldhd Kd; fzf;;F njhlu;Gfs; Njitg;glhJ.

gapw;wg;gl;l Copau;fs; Clhf jdpg;gl;l uPjpapy; ftdpj;jy;

nraw;ghl;L fl;lzk; my;yJ Neuj;NjhL kPl;fg;gl;ljw;fhd fl;lzq;fs; ,y;iy.

kypthd Kw;gzk; kw;Wk; njhif

Gjpa tl;b tpfpjk; kw;Wk; Kd;gzj;njhifia mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.

Njrpa milahs ml;il ,y;yhtpbd; Njrpa milahs ml;il ,yf;fq;fis nfhz;l rhujp mDkjpgj;jpuk; my;yJ flTr;rPl;bd; gpujpfs; rku;g;gpf;fg;glNtz;Lk;.

epiw> nful; kw;Wk; Kw;gzj;ij jPu;khdpj;j gpd; jq;f eiffis itg;gpyplyhk;.

mlF gj;jpuk;

tpz;zg;gjhup ,yq;if gpui[ahfTk; kw;Wk; ,yq;ifapy; trpf;Fk; 18 taJf;F Nkw;gl;ltuhf ,Uj;jy; Ntz;Lk;.

Mff;Fiwe;jJ nfhLg;gdT &gh 5>000 MFk;.

trjpfs; 12 khjj;jpw;Nf fpilf;ff;$bajhf ,Uf;Fk;

Kw;gzj;jpd; msT cWjpg;gLj;jy; jq;f eiffspd; ngWkjpia mbg;gilahf nfhz;bUf;Fk;.

Njitahd midj;J Mtzq;fs; G+uzg;gLj;jg;gl;L kw;Wk; tq;fpapd; fld; kjpg;gPl;L msTNfhSf;F cl;gl;L tq;fpapd; jdp tpUg;gj;jpd; mbg;gilapNyNa gzf;nfhLg;gdTfs fpilf;f$bajhf ,Uf;Fk;.

Kf;fpa tpla Mtzk; – thfd jtiz fld; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T






NDB Fj;jif/fld; /thlif nfhs;tdT

tu;j;jf FwpA+l;Lldhd Gjpa/ kPs;gjg;gLj;jpa my;yJ gjpTnra;ag;gl;l thfdq;fis ifafg;gLj;jy;.

Jupj nraw;ghLk; kPs toq;fYk;

tq;fpAldhd Kd; fzf;;F njhlu;Gfs; Njitg;glhJ.

gapw;wg;gl;l Copau;fs; Clhf jdpg;gl;l uPjpapy; ftdpj;jy.;

cj;juthjpfs; ,y;iy xNu jlitapy; nrYj;j Njitapy;iy (epge;jidfSf;F cl;gl;lJ)


nraw;ghl;L fl;lzq;fs; Fj;jiffs;

1.0 kpy;ypad; ,yq;if &gh 9>050/- tiu (ngWkjp Nru; tup cs;slq;fshf)

xt;nthU 100>000 f;F 1.0 kpy;ypad; - 0.02% f;F Nky;.

Kj;jpiu fl;lzk; Fj;jif kw;Wk; thlif nfhs;tdTf;F trjp njhif 1%

fld;fSf;F Kj;jpiu tup fld; ngWkjpapypUe;J 0.01%.

Fj;jif /fld; tpz;zg;ggbtk;

%yg;gpujp /gjpT rhd;wpjopd; gpujp

rhu;ghd – gw;Wr;rPl;L gbtk; tq;fpahy; epakpf;fg;gl;l kjpg;gPl;L FOtpd; kjpg;gPl;L mwpf;if (kjpg;gPl;L FO gl;baiy fpisapypUe;J ngw;Wf;nfhs;syhk;.)

Njrpa milahs ml;ilapd; gpujp ,y;yhtpbd; Njrpa milahs ml;il ,yf;fq;fis nfhz;l rhujp mDkjpgj;jpuk; my;yJ flTr;rPl;bd; gpujpfs;

jdpg;gl;l thbf;ifahsu;fs;

fle;j 3 khjq;fspd; rk;gs gl;bay;

epue;ju tpyhrj;jpd; cWjpg;gLj;jy;

fle;j 6 khjq;fspd; tq;fp fzf;F tpguk;

njhopy; toq;fdupd; fbjk;.

tpahghu gjpT (tu;j;jf thbf;ifahsu;fSf;F)

$l;bizg;G rhd;wpjo; (tu;j;jf thbf;ifahsu;fSf;F)

SME thbf;ifahsu;fs;

6 khjq;fSf;fhd tq;fp fzf;F tpguk;

fzf;fha;T nra;ag;gl;l / cUg;gb nra;ag;gl;l fle;j 3 tUl fzf;F

jdpg;gl;l SME kw;Wk; $l;L thbf;ifahsu;fSf;F trjpfs; cz;L

jdpg;gl;l tpz;zg;gjhupfs; ,yq;if gpu[hTupikAila FbapUg;ghsu;fshf ,Uj;jy; Ntz;Lk;.

jdpg;gl;l thbf;ifahsu;fs; trjp toq;Fk; ,Wjp jpfjpapy; Mff;Fiwe;jJ 18 tajhf mj;NjhL 55/ 60 taij flf;fhjtuhf ,Uj;jy; Ntz;Lk;.

Mff;Fiwe;j trjp 100>000 kw;Wk; jdpg;gl;ltu;fSf;fhd Mff;$ba njhif 5>000>000 kw;Wk; SME thbf;ifahsu;fSf;F &gh 7>500>000

Mff;Fiwe;jJ 12 khjq;fs; trjpia mDgtpg;gJld; Mff;$baJ 5-6 tUlq;fs; mDgtpf;fyhk;.

Fj;jif trjpf;;fhd cj;juthjk; thfdj;jpd; cz;ikahd cupikahsUf;F toq;fg;gLtJld; Mjdj;jpd; mlkhdk; mbg;gilapNyNa fld;fs; toq;fg;gLk; mj;Jld; Nkyjpf cj;juthjk; Nfhug;glyhk;.

nfhLg;gdTfs; Njitahd midj;J Mtzq;fs; G+uzg;gLj;jy; kw;Wk; tq;fpapd; fld; kjpg;gPl;L msTNfhSf;F cl;gl;L tq;fpapd; jdp tpUg;gj;jpd; mbg;gilapNyNa fpilf;f$bajhf ,Uf;Fk;.

Kf;fpa tpla Mtzk; - #upa tY fld;fs; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp






NDB #upatY mD$yk;

<L Njitapy;iy.

cj;juthjpfs; ,y;iy.

#upa rf;jp njhFjp %yk; cw;gj;jp nra;ag;gLk; myFfspd; njhif fzf;fPL %yk; kpd;rhu fl;lzk; Fiwf;fg;gLk;.

fld; jtiz uPjpapy; eilKiw gzg;Gof;fj;jpw;F Rikahf ,Uf;fhky; Nrkpg;G %yk; KOikahf my;yJ ghupa msT nrYj;jf;$bajhf ,Uf;Fk;.

Fwpj;j Mtzq;fs; njspthf ,Ug;gpd; FWfpa fhyj;Jf;Fs; epjpia ngw;Wf;nfhs;sf;$bajhf ,Uj;jy;.

mq;fPfupf;fg;gl;l my;yJ ,yq;if jur;rhd;wpjo; gupe;Jiu nra;ag;gl;l tpepNahf];j;juplkpUe;J cgfuzj;ij ngw;Wf;nfhs;sy;.


Kd; nfhLg;gdtpd; gFjp / nkhj;j epYitapy KOtJkhf 4%

nraw;ghL fl;lzk; - Neu;j;jpahd trjp

to 999,999 tiu

,.& 5,000

1,000,000-1,999,999

,.& 7,5000

2,000,000 kw;Wk; mjw;FNky;

,.& 9,000

• fdTf;fld; tpz;zg;ggbtk; • cly;;eyk; njhlu;ghd cWjp • fdTf;fld; ngWgtupd; jdpg;gll fld;fSf;F nghUj;jkhd Kiwapy; mjDld; njhlu;Gila Vida Fwpj;j Mtzq;fs;

• tpw;gidahsupd; gw;Wr;rPl;bd; %yg;gpujp • #upatY njhFjpia nghUj;jg;gLk; ,lj;jpd; cupikahsu; vd;w uPjpapy; cWjpg;gLj;Jtjw;fhd rhd;Wfs;

•,yq;if kpd;rhu rig my;yJ

LECO tplkpUe;J mjpfhu rig mDkjp;. (#upatY mikg;gpw;F khj;jpuk;)

• Ranjhopypy; <Lgl;bUg;gtuhapd; 3 khj kpd;rhu fl;lz gw;Wr;rPl;L (epYitfs; rhl;rpahfhJ) • jdpg;gl;l tUkhd tpguk;

,yq;if FbAupikAilatu; / FbAupikaw;wtu; 18 taJf;F Nkw;gl;ltUk;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAilatu;

njupTnra;ag;gl;l #upatY tpepNahf];j;ju; NDB gjpTnra;ag;gl Ntz;Lk;.

cgfuzj;Jf;fhd nrytpy; 25% tpz;zg;gjhuu; Vw;Wf;nfhs;sNtz;Lk;.

&gh 4.5 kpy;ypad; tiu fld; trjp

kPs;nrYj;jy; 60 khjq;fs; tiu nra;ayhk;.

tpepNahf];jUf;F Neupilahf kPs; nrYj;Jjy; nra;ag;gLk;. VjhtJ xU tpjj;jpy; kPs; nrYj;Jjy; thbf;ifahsUld; nra;aNtz;Lkhapd; rhl;rp Mtzq;fs; rku;g;gpf;fNtz;Lk;.

Kf;fpa tpla Mtzk; –fy;tp fld; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; rYiffs;






fy;tpapy; fw;gtu;fSf;F NDB

<L my;yJ cj;juthjp ,y;yhky; fld; trjp toq;fg;gLk;.

tpj;jpahrkhd nefpOk; jd;ikAila ,uz;L Kiwfs; toq;fg;gl;Ls;sd.

Kiwik 1 rYif fhyg;gFjpapy; kPs; nrYj;jNtz;ba fld; njhifapd; tl;bia khj;jpuk; nrYj;Jk; nghWg;ig tpz;zg;gjhhp njhlu; fhyg;gFjpapy; nfhz;bUg;ghu;. Kiwik II rYif fhyg;gFjpapy;yhJ kPs; nrYj;Jjy.;


Kd; nfhLg;gdtpd; gFjp / nkhj;j epYitapy KOtJkhf 4%

nraw;ghL fl;lzk; - Neu;j;jpahd trjp

999,999 tiu ,.& 5,000

1,000,000-1,999,999

,.& 7,5000


,.& 9,000

Njitahd Mtzq;fs; • fld; tpz;zg;ggbtk;

Njrpa milahs ml;ilapd; gpujp /nry;Ygbahd flTr;rPl;L

•njhopy; toq;Fdupd; fbjk; •mz;ikahf toq;fg;gl;l rk;gs gl;bay; • tpUk;gpa fy;tp jtizf;F Fwpj;j epjpia Neubahf mDg;Gtjw;F thbf;ifahsupdhy;; mjpfhukspf;fg;gl;l fbjk;.

• ,Wjp %d;W khjq;fSf;fhd tq;fp $w;W gpujpfs;.

•25% nfhLg;gdit cWjpnra;jy; • ghlnewp tpguq;fis cWjpnra;Ak; fy;tp epWtdj;jpd; fbjk;.

khztd; njhopy;GupahjpUg;gpd; ngw;Nwhu;fs; (njhopy; nra;Ak; ngw;Nwhu;fs;) fld; trjpfs; toq;Ftjw;fhd gpujhd tpz;zg;gjhupahf fUjg;gl;L khztid (taJ 18f;F Nkw;gl;l) rf tpz;zg;gjhupahf Vw;Wf;nfhs;sg;gLk;.

ngw;Nwhu;fs; Xa;TngWk; jpfjp my;yJ mjw;F Kd; my;yJ mtu;fspd; 65 taJ tiuapyhd fhyg;gFjpapy; fld; nrYj;jg;glNtz;Lk;.

Mff;Fiwe;j fld; njhif &gh 400>000 mj;Jld; Mff;$ba fld; njhif &gh 4>500>000 MFk;.

miu tUlj;Jf;F ghlnewp fl;lzkhf tq;fp 75% tPjj;ij fldhf toq;FtJld; kpFjp 25% tPjj;ij khztu; Vw;Wf;nfhs;sNtz;Lk;.

Mff;$baJ> 96 khjq;fNs toq;fg;gl;l fld;fis mDgtpf;fyhk;. (Mff;$ba 48 khj rYif fhyk; cs;slq;fshf)

fld; trjpfs; fl;lk; fl;lkhf nrYj;jg;gLtJld; mJ Neuhf fy;tp epWtdj;Jf;Nf mDg;gg;gLk;.

Kf;fpa tpla Mtzk; –tPl;Lf;fld; nkf;]; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp






NDB tPl;L fld; nkf;];

tPlikg;G NjitfSf;F my;yJ Vida jdpg;gl;l epjpj;Njitf;fhf ngw;Wf;nfhs;syhk;.

kpfTk; rhjhuz nraw;ghLfs; Clhf FWfpa fhyg;gFjpf;Fs; gzj;ij ngw;Wf;nfhs;syhk;.

Njitfs; ntspg;gil jd;ikia nfhz;litahfTk; rPuhfTk; fhzg;gly;

mu;g;gzpg;Gila tpw;gid FO tPl;Lf;Nf jdJ Jupj Nritia toq;Fk;.

fld; njhifapy; 1% tPjj;Jld; Mff;Fiwe;j njhif &gh 7>500 kw;Wk; Mff;$ba njhif &gh 60>000 MFk;.

fhg;GWjp

- <l;L ghJfhg;G cj;juthjk; (xU jtiz)

- cupj;J fhg;GWjp (nghUj;jkhf ,Ug;gpd;)

- nghJ fhg;GWjp (nghUj;jkhf ,Ug;gpd;)

<l;L cWjpg;gj;jpuj;ij epiwNtw;Wtjw;F Njitahd kw;iwa fl;lzq;fs;

gFjpasthd> nrYj;Jjy;fs; Kd; / nkhj;j epYitapy; 4%I KOtJkhf nrYj;Jtjw;fhd fl;lzq;fs;

%y fld; trjpf;F Nky; jz;l tl;b 2%

Njitahd Mtzq;fs;

Kiwahf G+uzg;gLj;jg;gl;l tpz;zg;ggbtk;

njhopy; Gupgtu;fshapd; mz;ikapy; toq;fg;gl;l rk;gs gl;baypd; %yg;gpujp.

njhopy;Gupgtu;fshapd; %d;W khjq;fSf;fhd tq;fp $w;Wfs;;.

Ranjhopy; nra;gtuhf ,Ug;gpd; 6 khjj;jpw;fhd fk;gdp $w;Wfs;

Njitg;ghlhdJ tPlikg;G njhlu;ghdJ vd;gjid ntspg;gLj;Jfpd;w rj;jpaf;fljhrp my;yJ cWjpf;fbjk;.

,Wjp kjpg;gPl;L mwpf;if jpdj;Jf;F jw;Nghija kjpg;gPl;L mwpf;if 4 tUlq;fs; ,Ug;gpd; tq;fp mq;fPfupf;fg;gl;l kjpg;gPl;L FO %yk; kPs; kjpg;gPl;il ngw;Wf;nfhs;sNtz;Lk;.

,Wjp Fwpg;gpd; %yg;gpujp

fld; gzk; toq;fg;gLtjw;F Kd; cs;@uhl;rp rigapd; rhd;wpjo; ngw;Wf;nfhs;sg;glNtz;Lk;.

nkhj;j fld; trjpfs; Mjdj;jpd; eilKiw tpw;gid ngWkjpapy; 75% tPjj;ij tpl mjpfkhf ,Uf;ff;$lhJ

mlF ghJfhg;G nfhs;if mj;Jld; jP fhg;GWjp ngw;Wfnfhs;sNtz;Lk;.

Mff;Fiwe;jJ fld; trjp &gh 250,000/- MfTk; Mff;$baJ 10,000,000/- Mf ,Uf;Fk;

fld; kPsr;nrYj;Jk; fhyg;gFjp 7 tUlq;fs; tiu.

Kf;fpa tpla Mtzk;- tPl;Lf;fld; nkf;]; - fdTf;fld;

cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T cs;slq;fshf epjp kw;Wk; Vida gad;fs;





NDB tPl;Lf;fld; nkf;]; - fdTf;fld;

Njitg;ghLfs; ntspg;gil jd;ikia nfhz;litahfTk; rPuhfTk; fhzg;gLjy;

FWfpa fhyg;gFjpapy; ngw;Wf;nfhs;sf;$bajhf ,Uj;jy;.

rpf;fyw;wJk; NtfkhdJk; nraw;ghL

mu;g;gzpg;Gldhd tpw;gid FO

tpjptpyf;fhd re;ju;g;gj;jpy; fhzpg; gjptfj;jpypUe;J ,Wjp Fwpg;gpd; %yg;gpujpia ngw;Wf;nfhs;sNtz;Lk;.


Fwpj;j fhyj;Jf;F Kd; nrYj;jg;gLtjw;fhd fl;lzk; (KO my;yJ gFjp) - 4%.

nraw;ghL fl;lzk; - <l;L gz cjtp

999,999 tiu ,.& 7,500

1,000,000-1,999,999

,.& 9,000


,.& 12,500

(Valuation fee and the legal charges are not included in the above figure) (NkNy Fwpg;gplg;gl;Ls;s njhifapy; kjpg;gPl;L fl;lzk; kw;Wk; rl;l cjtpfSf;fhd fl;lzq;fs; cs;slf;fg;gltpy;iy.)

• fdTf;fld; tpz;zg;ggbtk;. mz;ikf;fhy rk;gs

gl;baypd; %yg;gpujp %d;W khjq;fSf;fhd tq;fp $w;Wfs;

• cly; ey rhd;wpjo;

njhopy; toq;FduplkpUe;J fbjk;

rj;jpaf;fljhrp my;yJ tPlikg;G Njit jtpu;e;j jdpg;gl;l Njitia Fwpg;gpLfpd;w cWjpf;fbjk;.

kjpg;gpPl;L mwpf;if

rj;jpaf;fljhrp my;yJ tPlikg;G Njit jtpu;e;j Njitia Fwpg;gpLfpd;w cWjpf;fbjk;.

cs;@uhl;rp rigapd; rhd;wpjo;fs;

Ranjhopypy; <Lgl;Ls;stu;fs; mz;ikf;fhy epjp epiyik

MW khjj;jpw;fhd tq;fp $w;W

,yq;ifapy; tjptplj;ijnfhz;ltuhf ,Uj;jy; / tjptplj;ijnfhz;buhjtu; ,yq;ifau;fs; 18 taJf;F Nkw;gl;ltuuhFk;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAilatuhf ,Uj;jy;.

Mff;Fiwe;j fld; trjp &gh 250,000/- MfTk; Mff;$baJ 10,000,000/- Mf ,Uf;Fk;

kPs;r;nrYj;Jk; fhyg;gFjp 7 tUlq;fs; tiu.

jw;NghJ ,Uf;Fk; kjpg;gPl;L mwpf;if 4 tUlq;fSf;F Nkyhdjhf fhzg;gbd; Ntiyapy; tq;fpahy; mq;fPfupf;fg;gl;l kjpg;gPl;L FOtplk; kPs;; kjpg;gpPl;il ngw;Wf;nfhs;sg;glNtz;Lk;.

Kf;fpa tpla Mtzk;- tPl;Lf;fld; nkf;]; - kpifg;gw;W cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp






tPl;Lf;fld; nkf;]; -kpifg;gw;W

cj;juthjkspg;gtu; Njitapy;iy

Njitg;ghLfs; ntspg;gil jd;ikia nfhz;litahfTk; rPuhfTk; fhzg;gLjy;

FWfpa fhyg;gFjpapy; ngw;Wf;nfhs;sf;$bajhf ,Uj;jy;

rpf;fyw;wJk;; NtfkhdJkhd nray;Kiw

mu;g;gzpg;Gldhd

tpw;gid FO

nraw;ghl;L fl;lzk; mwtplg;glkhl;lhJ

. jw;Nghija tl;b tPjj;ij mwpe;Jnfhs;tjw;fhf jaTnra;J NDB apd; ,izaj;jsj;Jf;Fs; gpuNtrpAq;fs;

Kd; nfhLg;gdtpd; gFjp

/ nkhj;j epYitapy; KOtJkhf 4%

Njitahd Mtzq;fs;

• eilKiw fzf;F fl;lis (tPl;Lf;fld; nkf;]; kpif gw;W ug;gu; Kj;jpiuAld;)

filrp rk;gs gl;baypd; %yg;gpujp

kpif gw;W trjpf;fhd Ntz;LNfhs; fbjk;

6 khjj;jpw;fhd eilKiw fzf;F $w;W

Mff;Fiwe;j 100>000/- kw;Wk; Mff;$ba 1>000>000/-

xU kpifg;gw;W trjp toq;FtJ njhlu;gpy; tPl;Lf;fldhf ,.& 5.0 kpy;ypad; my;yJ mjw;F Nky; gad;gLj;jpf;nfhz;ltu;fs; khj;jpuNk fUj;jpw;nfhs;sg;gLthu;fs;

Kiwg;ghL nray;Kiw

thbf;ifahsu;fs;; KiwghLfis Kd;itg;gjw;F gpd;tUkhW Kiwikfis gad;gLj;jyhk;.. fpis Kfhikahsu;; my;yJ tplak; njhlu;ghd Kfhikahsu;fs; %yk;.

vkJ njhiyj;njhlu;G epiyaj;jpD}lhf

vkJ kpd;dQ;ry; Kftup : [email protected]

vOJtJ Clhf - Kftup : Kfhikahsu;> Efu;Nthu; njhlu;G epu;thf rig> ne\dy; btnyhg;kd;l; Ngq;f; PLC ,y.40> etk; khtj;ij> nfhOk;G 02.

VNjh xU re;ju;g;gj;jpy; jpUg;jpahd jPu;khdk; tq;fpapd; %yk; toq;fg;gltpy;iyahapd;> thbfi;fahsu; mtupd; Kiwg;ghl;il ,yq;if epjp xk;gl;];kd;; mYtyfj;jpw;F mDg;gKbAk;. jpU. Mde;j Fkhujh] epjp xk;gl;];kd;; epjp xk;gl;];kd; mYtyfk; 143 A> t[pu tPjp> nfhOk;G 05. njhiyNgrp ,yf;fk; : +94 11 259 5624 njhiyefy; : +94 11 259 5625 kpd;dQ;ry; Kftup: [email protected] ,izaj;jsk; : www.financialombudsman.lk

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dy; btnyhg;kd;l; Ngq;f; PLC - · PDF filetq;fpAldhd Kd;ida fzf; ... flTr;rPl;il rku;g;gpf;fyhk;. 18 taJilatuhfTk; ,yq;ifapy; tuhf ,Uj;jy;Ntz;Lk;. rhj;jpaf;$W tq;fpapy;; itg;gPL cila