vdJ Nrkpg;ig ehd; vjw;fhf KjyPlhf khw;wNtz;Lk;?

vk;kpy; mNdfkhNdhu; xu; vjpu;fhy Fwpf;Nfhis ,yf;F itj;J Nrkpg;gpid

Nkw;nfhs;fpd;Nwhk;. ,q;F Nrkpf;Fk; gzk; KOtJk; Nrkpg;Gf;Ff; fzf;fpy;

khj;jpuk; itg;gpYLtjd; %yk; vkJ vjpu;fhy Fwpf;Nfhis milaKbAkh

vd;w Nfs;tp vOfpd;wJ?

jw;NghJ mNdfkhd tq;fpfs; Nrkpg;G itg;gpw;F tUlhe;jk; 4% tiu tl;bia

toq;Ffpd;wd. mNj rkak; ehl;by; epyTk; gztPf;fk; (tho;f;ifr; nryT

cau;T) Nrkpg;gpw;F fpilf;Fk; tl;bf;F xj;jjhf fhzg;gLfpd;wJ. tho;f;ifr;

nryT cau;T my;yJ gztPf;fk; vd;gJ gzj;jpd; ngWkjpia Fwpg;gpl;l

rjtpfpjj;jpdhy; tPo;r;rpaila nra;fpd;wJ. vdNt vkJ Nrkpg;Gf; fzf;Ffspy;

khj;jpuk; itg;gjd; %yk; vkJ vjpu;fhy Fwpf;Nfhs;fis milaKbahJs;sJ.

nka;tl;b = ngausT tl;b - gztPf;fk; vdNt ehk; gztPf;fj;jpYk; ghu;f;f

mjpf tUthia toq;ff;$ba KjyPl;L fUtpfis my;yJ KjyPl;L

tha;g;Gf;fis mwpe;J mtw;wpy; KjyPL nra;tJ mtrpakhfpd;wJ.

mt;thwhapd; gztPf;fj;ij tpl mjpf tUthia ciof;ff;$ba KjyPl;il

vt;thW Nkw;nfhs;syhk;?

Cyfyhtpa uPjpapy; kj;jpa ePz;l fhyj;jpy; gztPf;fj;ij tpl mjpf tUthia

nfhLf;ff;$ba Xu; KjyPlhf gq;Fr;re;ij KjyPL fhzg;gLfpz;wJ.

gq;Fr;re;ij vd;why; vd;d?

gq;Fr;re;ij vd;gJ fk;gdpfspdhy; %yjdj;jpid jpul;Ltjw;fhf

nghJkf;fSf;F toq;fg;gl;l gq;Ffis ifkhw;wk; nra;Ak;

re;ijahFk;. ,q;F fk;gdpaplk; ,Ue;J Xu; Muk;g nghJ toq;fspy;

gq;Ffis nfhs;tdT nra;j xu; KjyPl;lhsu; mg;gq;Ffis tpw;gid

nra;tjw;fhd tha;g;Gfis toq;Fk; jskhfTk; Muk;g gq;Ftoq;fspy;

gq;Ffis nfhs;tdT nra;a Kbahkw; Nghd KjyPl;lhsu;fSf;F

gq;Ffis nfhs;tdT nra;Ak; jskhfTk; fhzg;gLfpd;wJ.

gq;Fr;re;ij KjyPl;bd; %yk; vdf;F fpilf;Fk; mD$yq;fs; vd;d?

gq;Fr;re;ijapy; xU epWtdj;jpd;

gq;Ffis nfhs;tdT nra;Ak; nghOJ

ePq;fs; mf;fk;gdpapd; cupj;Jtj;jpy;

gq;fhspahfpd;wPu;fs;. ,jd; fhuzkhf

fk;gdp ciof;Fk; ,yhgkhdJ

cq;fNshLk; gfpu;e;J nfhs;sg;gLk;.

,t;thW gq;Fjhuu;fSld; ,yhgj;ij

gfpu;tjw;fhf fk;gdpfs; gq;Fyhgj;ij

toq;Ffpd;wd. ,jw;Fk; Nkyhf

fk;gdpfspd; ,yhgk; ciof;Fk;

nraw;jpwd; mjpfupf;Fk; nghOJ

,f;fk;gdpfspd; gq;FfSf;fhd Nfs;tp

re;ijapy; cau;tile;J mg;gq;Ffspd;

tpiyahdJ mjpfupf;Fk;.

,j;jUzj;jpy; gq;Ffis nfhs;tdT

nra;j KjyPl;lhsu;fs; mg;gq;fpd;

tpiyahdJ jhd; nfhs;tdT

nra;j mjpf tpiyapy; nfhLf;fy;

thq;fy; nra;ag;gLk; nghOJ mtu;

mg;gq;Ffis tpw;W Xu; ,yhgj;jpid

mila KbAk; ,jid %yjd

,yhgk; vdf;Fwpg;gplyhk;.

,jw;Fk; Nkyhf fk;gdpfs; jkf;F

Nkyjpf %yjdk; Njitg;gLk;

nghOJ Vw;fdNt gq;Ffis

itj;Js;s gq;FjhuUf;F re;ij

tpiyapYk; ghu;f;f Fiwe;j tpiyapy;

gq;Ffis nfhs;tdT nra;tjw;fhd

cupikapid toq;fyhk; ,jid ehk;

cupik toq;fs; vdf;Fwpg;gpLNthk;.

mj;Jld; fk;gdpfs; fhyh fhyk; jkJ

xJf;fj;jpy; ,Ue;J ,ytrkhfTk;

gq;Fjhuu;fSf;F gq;Ffis

toq;fyhk;. ,jid cgfhu toq;fs;

vdf;Fwpg;gpLNthk;. gq;F KjyPl;by;

,Ue;J ehk; gq;Fyhgk; %yjdyhgk;

cupik toq;fy cgfhu toq;fs;

Nghd;w gy;NtW mD$yq;fis

ngw;Wf;nfhs;syhk;.

gq;Fr;re;ij KjyPl;by; ehd; mtjhdpf;f

Ntz;ba tplaq;fs; vd;d?

,lu;Neu;if

,lu;Neu;if vd;gJ gq;Fr;re;ijapy; gq;Ffspd; tpiyapy; Vw;gLk;

Vw;wj;jho;T fhuzkhf vkJ vjpu;ghu;g;gpy; khw;wq;fshFk;. ,t;

,lu;Neu;ifahdJ gq;Fr;re;ijAld; xd;wpize;j Xu; gz;ghFk;. FWfpa

fhyj;jpy; ,t;thwhd Vw;wj;jho;Tfs; Vw;gl;lhYk; rpwe;J ,aq;Fk;

fk;gdpfspy; KjyPL nra;J mtw;wpy; ePz;l fhyk; epiyj;jpUg;gjd;

%yk; ,t; ,lu;Neu;ifia jtpu;f;fyhk;.

1.

mwpT G+u;tkhd KjyPL

ehk; Vw;fdNt Fwpg;gpl;lJ Nghy xU fk;gdpapy; gq;Ffis nfhs;tdT

nra;Ak; nghOJ ehk; mf;fk;gdpapd; gFjpastpy; cupikahsuhf

khWfpd;Nwhk;. Xu; fk;gdpapd; cupikahsu; vd;w uPjpapy; mf;fk;gdpapd;

,yhgj;jpYk; el;lj;jpYk; gq;Nfw;fpd;whu;. vdNt xu; fk;gdpapd;

gq;Ffspy; KjyPL nra;tjw;F Kd;du; mf;fk;gdpapd; ,yhgj;jpYk;

el;lj;jpYk; gq;Nfw;fpd;wdu;. vdNt xu; fk;gdpapd; gq;Ffspy; KjyPL

nra;tjw;F Kd;du; mf;fk;gdp <Lgl;Ls;s tzpfj;ij gw;wpAk; ciof;ff;

$ba ,yhgj;ij gw;wpAk; ehk; fUj;jpw;nfhs;tJ mtrpak;. ,j;jifa

jfty;fis Xu; gq;Fj;juF epWtdq;fspy; fhzg;gLk; Ma;Tg;gpuptpy;

,Ue;J ngw;Wf;nfhs;syhk;.

2.

gd;Kfg;gLj;jy; -

gq;Fr;re;ijapy; KjyPL nra;Ak; nghOJ ehk; mjpy; gl;bay;gLj;jg;gl;Ls;s

fk;gdpapdhy; toq;fg;gl;Ls;s gq;FfSf;F khj;jpuk; kl;Lg;gLj;jhJ

gyJiwfis rhu;e;j gy fk;gdpfspd; gq;Ffspy; KjyPL nra;tJ rpwe;jJ.

(jw;NghJ gq;Fr;re;ijapy; fhzg;gLk; 298 fk;gdpfs; 20 Jiwfshf

tFf;fg;gl;Ls;sd) ,jid ehk; gd;Kfg;hLj;jy; vdf;$WNthk;. ,jd;

%yk; gqFr;re;ijapy; fhzg;gLk; ,lu;Neu;ifia Xustpw;F Fiwf;f

KbAk;.

3.

gq;Fr;re;ij KjyPLfs; kj;jpa ePz;lfhy

,yf;if nfhz;ljhf fhzg;glNtz;Lk;

gq;Fr;re;ijapy; ifkhw;wk; nra;ag;gLk; gq;Ffspd; tpiyfs;

mtw;wpw;fhd Nfs;tp epuk;gy; mbg;gilapy; jPu;khdpf;fg;gLfpd;wd. xU

fk;gdpapdJ ,yhgk; mjpfupf;Fk; nghOJ mf; fk;gdpapd; gq;fSf;fhd

Nfs;tp re;ijapy; mjpfupj;J mjd; tpiyfs; mjpfupf;fyhk; ,J

kj;jpa ePz;l fhyq;fspNyNa vjpu;ghu;f;fyhk;. Xu; fk;gdpahdJ XU

Gjpa tzpfj;jpy; KjyPL nra;Ak; nghOJ cldbahf ,yhgj;ij

vjpu;ghu;f;f KbahJ mk;KjyPl;bd; %yk; tpahghuk; tpUj;jpaile;J

,yhgkPl;Ltjw;F rpy fhyk; nry;yyhk;.

4.

Fog;gkiljiy jtpu;j;J nfhs;sy;

gq;Fr;re;ijapy; kj;jpa ePz;l fhy ,yf;Fld; jftywpe;J KjyPL

nra;Ak; nghOJ re;ijapy; jw;fhypfkhf Vw;gLk; tpiy tPo;r;rpiaapl;L

Fog;gkilahky; ,Ug;gJ Xu; KjyPl;lhsUf;Fwpa rpwe;j gz;Gfspy;

xd;whFk;. Ehk; Fog;gkilAk; nghOJ vk;khy; rpwe;j jPu;khdq;fis

vLf;f Kbahky; Nghfyhk;. ,jd;fhuzkhf rpyrkaq;fspy; ehk;

gq;Fffis tpw;f Ntz;ba gq;Ffis tpw;fhkYk; tplyhk;.

5.

ehd; vt;thW gq;Fr; re;ijapy; KjyPL

nra;tJ?

gq;Fr; re;ijapy; KjyPL nra;tjw;F ehk; xU gq;Fj;jufu; Clhf

kj;jpa itg;Gj;jpl;l fzf;nfhd;iw Muk;gpj;jy; Ntz;Lk;. kj;jpa

itg;Gj;jpl;l fzf;fhdJ ehk; nfhs;tdT nra;Ak; kw;Wk;; tpw;gid

nra;Ak; gq;Ffs; gw;wp gjpTnra;Ak; fzf;fhFk;. ,f;fzf;nfhd;iw

,ytrkhf VjhtJ Xu; gq;Fj;jufu; epWtdj;jpd; Clhf Muk;gpf;fyhk;

(jw;NghJ 32 gq;Fj;jufu; epWtdq;fs; ,yq;ifapy; cs;sd)

kj;jpa itg;Gj;jpl;l fzf;nfhd;iw Muk;gpg;gjw;fhd Mtzq;fs; vd;d?

1. tpz;zg;gg; gbtk;

2. milahs ml;il gpujp

3. Kftupia cupg;gLj;Jtjw;fhd Mtzk;

4. KYC vdg;gLk; thbf;ifahsu; gw;wpa jfty;

gq;F nfhs;tdtpid ehk; ,Utpjkhf Nkw;nfhs;syhk;. xU

fk;gdpahdJ jdf;Fj;Nitahd %yjdj;jpid jpul;Ltjw;fhd gq;F

toq;fiy Nkw;nfhs;Sk;NghJ mg;gq;Ffis nfhs;tdTnra;tjw;fhd

tpz;zg;gj;jpid Nkw;nfhz;L mf;fk;gdpfsplkpUe;J gq;Ffis

nfhs;tdT nra;jy;.

,t;thW fk;gdpfspdhy; tpw;fg;gLk; gq;Ffs; nfhOk;G gq;Fr; re;ijapy;

gl;bayplg;gl;L tu;j;jfk; ,lk;ngWfpd;wd. ,jid ,uz;lhk; jur;re;ij

vd;W miof;fpd;Nwhk;. ,r;re;ijapd; Clhf ehk; tpUk;Gk; gq;Ffis

Xu; gq;Fj;jufu; Clhf md;iwa tpiyapy; nfhs;tdT nra;ayhk;.

1. gq;FjufUld; fye;jhNyhrpj;J nfhs;tdT nra;tjw;fhd gq;Ffis

njupTnra;jy; (,yq;ifapy; jw;NghJ gl;bay;gLj;jg;gl;Ls;s 292

fk;gdpfspy; VjhtJ xd;W my;yJ xd;Wf;F Nkw;gl;l fk;gdpfis

njupTnra;jy;)

2. njupTnra;ag;gl;l gq;Ffis nfhs;tdTnra;AkhW

nfhs;tdTf;fl;lis xd;iw gq;Fj;jufu; epWtdj;jpw;F gpwg;gpj;jy;

(cq;fsJ tpUg;gj;jpw;Nfw;g tpUg;gkhd vz;zpifapyhd gq;Ffis

nfhs;tdTnra;ayhk;)

3. gq;F nfhs;tdT cWjpnra;ag;gl;ljd; gpd;du; mjw;Fupa

nfhLg;gdtpid gq;Fj;jufUf;F nrYj;Jjy; (T+3 - nfhs;tdT ,lk;ngw;W 3 Ntiy ehl;fSf;Fs; nrYj;Jjy; Ntz;Lk;)

4. nfhs;tdT nra;ag;gl;l gq;Ffs; cq;fsJ kj;jpa itg;Gj;jpl;l

fzf;fpy; tuT itf;fg;gLk; (nfhLf;fy; thq;fy; ,lk;ngWk; gl;rj;jpy;

kj;jpa itg;Gj;jpl;l fzf;fpd; $w;W cq;fSf;F mDg;gpitf;fg;gLk;)

fzf;fpid Muk;gpj;j gpd;du; ehk;

vt;thW gq;FKjyPl;bid njhluyhk;?

vt;thW ehd; kj;jpa itg;Gj;jpl;l

fzf;fpy; cs;s vdJ gq;Ffis

tpw;gid nra;ayhk;?

1. ehd; tpw;f ,Uf;Fk; gq;Ffspd; md;iwa jpdk; fhzg;gLk; re;ij

tpiyia mwpe;Jnfhs;sy; (jufu; Clhf my;yJ CSE ,izaj;jpd;

Clhf)

2. gq;Ffis tpw;gid nra;tjw;fhd tpw;gid fl;lis xd;wpid

(gq;Ffspd; vz;zpf;if kw;Wk; tpw;gid tpiy) gq;Fj;jufu;

epWtdj;jpw;F gpug;gpj;jy;

3. gq;Ffs; tpw;fg;gl;ljd; gpd;du; (T+3 - 3 ehl;fspd; gpd;du; ) mjw;Fupa

gdj;ij fhNrhiy %ykhf gq;Fj;jufu; epWtdj;jplkpUe;J

ngw;Wf;nfhs;sy;