Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[...

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kq£va, sNdpInS kwcw`§tfmSpÅ _m¦nsâ {]Xn_²XbpsS \nbamhen BapJw kq£va, sNdpInS, CS¯cw kwcw`§fpsS hnIk\ (FwFkvFwCUn) \nbaw, 2006 {]Imcw \nÀhNn¡s¸«ncn¡p¶ kq£va sNdpInS kwcw`§fp (FwFkvCIÄ) ambpÅ CS]mSpIfn _m¦pIÄ ]ment¡− Gähpw Ipdª s]cpamä \nehmcw \nÝ bn¨ncn¡p¶XmWv Cu \nbamhen. CXv \n§Ä¡v kwc£Ww \ÂIpIbpw \n§fpsS ssZ\wZn\ CS]mSpIfnepw km¼¯nI _p²nap«pÅ kab§fnepw _m¦pIÄ \n§tfmSv F§s\ s]cpamdWsa¶v hniZoIcn¡pIbpw sN¿p¶p. `mcXob dnkÀhv _m¦nsâ (RBI) \nb{´n¡p¶tXm taÂt\m«w hln¡p¶tXm Bb \nÀt±i§sf Cu \nbamhen adnIS¡pItbm amän {]XnjvTn¡pItbm sN¿p¶nsöp am{XaÃ, ImemIme§fn BÀ_nsF ]pds¸Sphn¨n«pÅ C¯cw \nÀt±i§sf/amÀ¤ ZÀi\§sf R§Ä A\pkcn¡pIbpw sN¿p¶XmWv. \nb{´n¡Â AYhm taÂt\m«w hln¡Â \nÀt±i§fn kqNn¸n¨n«pÅXns\¡mÄ DbÀ¶ \nehmcw Cu \nbamhen bpsS hyhØIÄ¡v \nÝbn¡mhp¶XmWv. R§Ä¡v \n§tfmSpÅ {]XnÚm_²X sb¶ \nebn R§Ä kzta[bm ]men¡p¶ Gähpw anI¨ {]hÀ¯\§sf Cu \nb amhen {]Xn\n[m\w sN¿pIbm A¯cw DbÀ¶ \nehmc§Ä \S¸nÂhcnIbpw sN¿pw. Cu \nbamhenbnÂ, "\n§Ä' F¶m FwFkvC F¶pw, "R§Ä' F¶m FwFkvC hym]cn¡p¶ _m¦v F¶pw hnh£. 1.1 \nbamhenbpsS e£y§Ä Cu \nbamhenbpsS e£y§sfs´¶m þ F. efnXhpw ^e{]Zhpamb _m¦nMv tkh\§Ä e`yam¡ns¡m−v FwFkvC taJ ebv¡v \sÃmcp t{]mÕml\w \ÂIpI; _n. \n§fpambpÅ CS]mSnep−mth− Gähpw Ipdª \nehmcw \nPs¸Sp¯n, \ÃXpw DNnXhpamb _m¦nMv \S]SnIÄ t{]mÕmln¸n¡pI;

Transcript of Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[...

Page 1: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kq£va, sNdp-InS kwcw-̀ -§-tfm-SpÅ

_m¦nsâ {]Xn-_-²-X-bpsS \nb-am-hen

BapJw

kq£va, sNdp-InS, CS-¯cw kwcw-`-§-fpsS hnI-k\ (Fw-F-kv-Fw-C-Un) \nb-aw, 2006

{]Imcw \nÀh-Nn-¡-s -̧«n-cn-¡p¶ kq£va- sNdp-In-S- kwcw-`-§-fp- (Fw-F-kv-C-IÄ)

ambpÅ CS-]m-Sp-I-fn _m¦p-IÄ ]men-t¡− Gähpw Ipdª s]cp-amä \ne-hmcw \nÝ-

bn-¨n-cn-¡p-¶-XmWv Cu \nb-am-h-en. CXv \n§Ä¡v kwc-£Ww \ÂIp-Ibpw \n§-fpsS

ssZ\w-Zn\ CS-]m-Sp-I-fnepw km¼-¯nI _p²n-ap-«pÅ ka-b-§-fnepw _m¦p-IÄ \n§-tfmSv

F§s\ s]cp-am-d-W-sa¶v hni-Zo-I-cn-¡p-Ibpw sN¿p-¶p.

`mc-Xob dnkÀhv _m¦nsâ (RBI) \nb{´n¡p-¶tXm taÂt\m«w hln-¡p-¶tXm Bb

\nÀt±-i-§sf Cu \nb-am-hen adn-I-S-¡p-Itbm amän {]Xn-jvTn-¡p-Itbm sN¿p-¶n-söp

am{X-a-Ã, Imem-Im-e-§-fn BÀ_nsF ]pd-s¸-Sp-hn-¨n-«pÅ C¯cw \nÀt±-i-§sf/amÀ¤-

ZÀi-\-§sf R§Ä A\p-k-cn-¡p-Ibpw sN¿p-¶-Xm-Wv. \nb{´n¡Â AYhm taÂt\m«w

hln-¡Â \nÀt±-i-§-fn kqNn-¸n-¨n-«p-Å-Xn-s\-¡mÄ DbÀ¶ \ne-hmcw Cu \nb-am-h-en-

bpsS hy-h-Ø-IÄ¡v \nÝ-bn-¡m-hp-¶-XmWv. R§Ä¡v \n§-tfm-SpÅ {]Xn-Úm-_-²-X-

sb¶ \ne-bn R§Ä kz-ta-[bm ]men-¡p¶ Gähpw anI¨ {]hÀ¯-\-§sf Cu \nb-

am-hen {]Xn-\n-[m\w sN¿p-I-bm A¯cw DbÀ¶ \ne-hm-c-§Ä \S-¸nÂh-cn-Ibpw

sN¿pw.

Cu \nb-am-h-en-bnÂ, "\n§Ä' F¶m FwF-kvC F¶pw, "R§Ä' F¶m FwF-kvC

hym-]-cn-¡p¶ _m¦v F¶pw hnh-£.

1.1 \nb-am-h-en-bpsS e£-y-§Ä

Cu \nb-am-h-en-bpsS e£-y-§-sf-s´-¶m þ

F. efn-Xhpw ^e-{]Zh-p-amb _m¦nMv tkh-\-§Ä e`-y-am-¡n-s¡m−v FwF-kvC taJ-

ebv¡v \sÃmcp t{]mÕm-l\w \ÂIpI;

_n. \n§-fp-am-bpÅ CS-]m-Sn-ep-−m-th− Gähpw Ipdª \ne-hmcw \nP-s¸-Sp-¯n, \ÃXpw

DNn-X-hp-amb _m¦nMv \S-]-Sn-IÄ t{]mÕm-ln-¸n-¡pI;

Page 2: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kn. tkh-\-§-fn \n¶v \n§Ä¡v \ym-b-ambpw {]Xo-£n-¡m-hp-¶Xv Fs´¶v anI¨ coXn-

bn a\-Ên-em-¡p-hm³ ]mI-̄ n kpXm-c-yX hÀ²n-¸n-¡pI;

Un. ^e-{]-Z-amb Bi-b-hn-\n-a-b-¯n-eqsS \n§-fpsS hym-]m-c-s¯-¸-än-bpÅ R§-fpsS

[mcW sa¨-s¸-Sp-¯pI;

C. aÕ-c-§-fn-eqsS anI¨ {]hÀ¯\ \ne-hmcw ssIh-cn-¡p-hm³ hn]-Wn-bnse iàn-Isf

t{]mÕm-ln-¸n-¡pI;

F^v. \n§fpw R§-fp-am-bn-«pÅ bpàhpw kulmÀ±-]qÀW-hp-amb _Ôw t{]mÕm-ln-¸n-

¡p-Ibpw AtXm-sSm¸w \n§-fpsS _m¦nMv Bh-i-y-§Ä¡v bYmkabw {ZpX KXnbnÂ

kam-[m\w Dd-¸p-h-cp-¯p-Ibpw sN¿pI;

Pn. _m¦nMv k{¼-Zm-b-¯n-epÅ hni-zmkw ]cn-t]m-jn-¸n-¡p-I;

(Cu \nb-am-h-en-bnse \ne-hm-c-§Ä hn`mKw 2þse apJ-y-{]-Xn-_-²-X-I-fn DÄs¡m-Ån-¨n-

cn-¡p-¶p.)

1.2 \nb-am-h-en-bpsS {]tbmKw

FwF-kv-Fw-CUn \nb-aw, 2006 \nÀh-Nn-¡p-¶-Xp-t]m-se, km[-\-§-fpsS DXv]m-Z-\w,

XpSÀ{]{Inb, ]cn-]m-e\w F¶n-h-bnepw tkh-\-§Ä e`-y-am-¡p-Itbm \nÀh-ln-¡p-Itbm

sN¿p-¶-Xnepw GÀs¸-«n-cn-¡p¶ kq£va, sNdp-InS kwcw-`-§Ä FwF-kv-C-IfmWv.

aäp hn[-¯n ]d-bm¯ ]£w, \ne-hnse \nb{´W \nÀt±-i-§Ä¡p IognÂ, Xmsg

sImSp-¯n-cn-¡p¶ FÃm DXv]-¶-§Ä¡pw tkh-\-§Ä¡pw, Ah imJ-IÄ apJm-´ctam

A\p-_-Ô-Øm-]-\-§Ä hgn-tbm kwbpà kwcw-`-§tfm GPâp-amtcm hgn-tbm Iu−-dp-

I-fn-eq-sStbm t^m¬ aptJ-\tbm X]m hgntbm Câ-dm-Iväohv Ce-Ivt{Sm-WnIv kwhn-[m-\-

§-fn-eq-sStbm CâÀs\-än-eq-sStbm atä-sX-¦nepw coXn-bntem {]hÀ¯n-¡p-¶h Bbmepw

Cu \nb-am-hen _m[-I-am-Wv.

F. Id−v A¡u-−p-IÄ, \nÝn-X-Ime \nt£-]-§Ä, BhÀ¯n-X \nt£-]-§Ä, asäÃm

\nt£] A¡u-−p-IÄ F¶n-h.

_n. t]bvsaâv HmÀU-dp-IÄ t]mepÅ t]bvsaâv tkh-\-§Ä, Unam³Uv {Um^väp-IÄ,

hbÀ {Sm³kv -̂dp-IÄ F¶nh aptJ-\-bpÅ ]W-sam-Sp-¡-ep-IÄ, dnb ssäw t{Kmkv

skänÂsaâv (BÀän-Pn-F-kv), Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (C-F-̂ vän), \mj-WÂ

Page 3: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³C-F-̂ vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv

CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw.

kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn _Ô-s¸« _m¦nMv tkh-\-§Ä

Un. Unamäv A¡u-−p-IÄ, CI-zn-än, kÀ¡mÀ t_m−p-IÄ

C. C³U-y³ Id³kn t\m«p-I-fpsS hn\n-ab kuI-cyw

F^v. sN¡p-IÄ/C³kv{Spsa³dvkv tiJ-cn-¡Â, skbv^v IÌUn tkh-\-§Ä, skbv v̂

Unt¸m-knäv tem¡À kuI-cy§Ä

Pn. hmbv]-IÄ, \nt£-]s¯ ASn-Øm-\-am-¡n-bpÅ Imjv s{IUn-äv, HmhÀ{Um- v̂äv,

sN¡pw _nÃpw hm§Â/Ingnhv (Xt±-io-bhpw sshtZ-in-Ihpw) t]mepÅ s{IUnäv kuI-c-y-

§Ä, EW]{X-§-fn-eqsS (Xt±-io-bhpw sshtZ-in-Ihpw) kaÀ¸n¨ tcJ-I-fpsS tiJ-c-¯n-

t·-epÅ CS-]m-Sp-sN-¿Â, Xt±-io-bhpw H¸w/AsÃ-¦n sshtZ-in-Ihpw Bb EW-]-{X-§-

fn-eqsS (Un/]n AYhm Un/F) Øm]n-X-am-¡p¶hbn A[n-jvTn-X-amb [t\-X-c-am-b-h,

Pmayw ]pd-s¸-Sp-hn-¡Â (Xt±-io-bhpw sshtZ-in-Ihpw), amdp-¶-Xn-\m-bpÅ Xt±-iobw

AsÃ-¦n sshtZ-in-Iw Bb _ntÃm sNt¡m, kl-k-zo-Im-c-y-Xtbm _nÃp-IÄ D]-tbm-Kn-

¡-tem, hm§p-¶-bm-fpsS EWw, apX-em-b-h.

F¨v. hntZi hn\n-ab \nÀh-lW \nbaw (s -̂a)/ [\hn\n-abw DÄs¸-sS-bpÅ `mc-Xob

dnkÀhv _m¦nsâ amÀK-\nÀt±-i-§Ä F¶n-hbv¡p Iogn A\p-h-Z\ob-amb hntZihn\n-

ab tkh-\-§Ä

sF. tXUv ]mÀ«n C³j-z-d³kpw R§-fpsS imJ-I-fn-eqsS H¸w/AsÃ-¦n R§-fpsS

AwKo-IrX {]Xn-\n-[n-I-fn-eq-sStbm GPâp-amÀ apJm-´-ctam hn]-W\w \S-¯p¶ \nt£]

DXv]-¶-§fpw

sP. FänFw/sU_näv/s{IUnäv ImÀUp-IÄ, kvamÀ«v ImÀUp-IÄ XpS-§nb ImÀUv DXv]-

¶-§fpw tkh-\-§fpw

sI. ^mIvS-dnMv tkh-\-§Ä

FÂ. hym-]mc tkh-\-§Ä

(I«n-¡-dp¸p \nd-̄ n sImSp-¯n-cn-¡p¶ hm¡p-I-fpsS AÀYw i_vZm-h-en-bn \ÂIn-bn-

«p-−v).

2. apJy {]Xn-_-²-X-IÄ

Page 4: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

2.1 R§Ä¡v \n§-tfm-SpÅ apJ-y-{]-Xn-_-²-X-IÄ

2.1.1 Xmsg ]d-bp¶ coXn-bnÂ, R§Ä¡v \n§-tfm-SpÅ FÃm CS-]m-Sp-I-fnepw DNn-

X-ambpw \oXn-bp-à-ambpw {]hÀ¯n-¡pI;

F. _m¦nsâ Iu−-dn ]Ww/sN¡p-IÄ kzo-I-cn-¡p-Ibpw \ÂIp-Ibpw sN¿pI F¶

Gähpw Ipdª _m¦nMv kuI-c-y-sa-¦nepw \ÂIpI

_n. Xma-k-an-Ãm-¯Xpw {]tbm-K-£-a-hp-amb hmbv], tkh\ hnX-cWw GÀ¸m-Sm-¡pI

kn. R§Ä \ÂIp¶ DXv]-¶-§-fnepw tkh-\-§-fnepw R§-fpsS Poh-\-¡mÀ ]n´p-S-

cp¶ \S-]-Sn-{I-a-§-fnepw {]hÀ¯-\-co-Xn-I-fnepw Cu \nb-am-h-en-bn ]d-ªn-cn-¡p¶

{]Xn-_-²-X-Ifpw \ne-hm-c-§fpw \nd-th-äpI

Un. R§-fpsS DXv]-¶-§fpw tkh-\-§fpw cq]-̄ nepw DÅ-S-¡-¯nepw {]k-à-amb \nb-

a-§Ä¡pw \n_-Ô-\-IÄ¡pw A\p-kr-X-am-sW¶v Dd-¸p-h-cp-¯pI

C. \n§-tfm-SpÅ R§-fpsS CS-]m-Sp-IÄ kX-y-k-Ô-X-bp-sSbpw kpXm-c-y-X-bp-sSbpw

[mÀanI XX-z-§-fn Dd-¨p-\n¡p-¶p-sh¶v Dd-¸p-h-cp-¯pI

F^v. kpc-£n-Xhpw hni-z-k-\o-bhpw Bb _m¦nMv, ]W-sam-Sp¡pw XoÀ¸m-¡epw kwhn-

[m-\-§Ä {]hÀ¯n-¸n-¡pI

Pn. km¼-¯nI _p²n-ap-«nsâ hnj-b-§Ä A\p-I-¼-tbmsS ]cn-K-Wn-¡pI (NphsS J-

WvUnI 5.8 ImWpI).

2.1.2 R§-fpsS km¼-¯nI DXv]-¶-§fpw tkh-\-§fpw {]hÀ¯n-¡p-¶Xv F§-s\-

sb¶v a\-Ên-em-¡p-hm³ \n§sf klm-bn-¡p-¶-Xn-te-bv¡mbn;

F. Ahsb kw_-Ôn¨ hnh-c-§Ä C\n-¸-d-bp¶ Ht¶m AXn-e-[n-Itam `mj-I-fnÂ

\n§Ä¡p \ÂIpI þ lnµn, Cw¥njv AsÃ-¦n bpà-amb {]mtZ-inI `mj

_n. R§-fpsS ]c-k-y-þ-t{]m-Õm-lI kmln-Xyw hy-àhpw hgn-sX-än¡m¯-Xp-am-sW¶v Dd-

¸p-h-cp-̄ pI

Page 5: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kn. R§-fpsS DXv]-¶-§-sfbpw tkh-\-§-sf-bpw, Ahbv¡v _m[-I-amb \nb-a-§-sfbpw

\n_-Ô-\-I-sfbpw ]en-i-\n-c-¡p-IÄ/tkh\sNe-hpIÄ F¶n-h-sbbpw kw_-Ôn¨ hy-à-

amb hnh-c-§Ä \n§Ä¡v e`-y-am-Ip-¶p-sh¶v Dd-¸p-h-cp-̄ pI

Un. R§-fpsS DXv]-¶-§-fpsS sXämb hn]-W\w \S-¡p-¶n-söv Dd-¸p-h-cp-¯pI

C. \n§Ä¡pÅ kuI-c-y-§Ä Fs´m-s¡-bm-sW¶pw B kuI-c-y-§sf F§s\ D]-tbm-

K-s¸-Sp-¯m-sa¶pw \n§-fpsS kwi-b-§Ä kwt_m-[\ sN¿p-hm³ Bsc _Ô-s¸-S-W-

sa¶pw F§s\ thW-sa-¶p-apÅ hnh-c§Ä \n§Ä¡p \ÂIp-I

2.1.3 \n§-fpsS A¡u−v AYhm tkh\w D]-tbm-K-s -̧Sp-¯m³ \n§sf klm-bn-

¡p-¶-Xn-te-¡mbn:

F. \n§Ä¡v {Iahpw tbmP-y-hp-amb A¶-¶pÅ hnh-c-§Ä \ÂIpI

_n. ]en-i-\n-c-¡p-IÄ, sNe-hp-IÄ, \n_-Ô-\-Ifpw hy-h-Ø-Ifpw F¶n-h-bnse amä-§Ä

\n§sf Adn-bn-¨p-sIm-t−-bn-cn-¡pI

kn. \n§-fpsS Adn-hn-te-¡mbn R§-fpsS imJ-I-fn {]ZÀin-¸n-¡pI

i. R§Ä \ÂIp¶ tkh-\-§Ä

ii. Id−v A¡u-−p-IÄ¡v Bh-i-y-amb Gähpw Npcp-§nb \o¡n-bn-cn¸pw AXp

\ne-\nÀ¯m-Xn-cp-¶m hcm-hp¶ sNe-hp-Ifpw

iii. \n§Ä¡v ]cm-Xn-bp-s−-¦n kao-]n-¡m-hp¶ imJ-bnse DtZ-ym-K-Øsâ t]cv

iv. \n§-fpsS ]cm-Xn¡v imJ-bn ]cn-lm-c-am-bn-sÃ-¦n kao-]n-¡m-hp¶

tkmWÂ/ doPn-b-WÂ amt\-P-cpsS t]cpw hnem-khpw

v. GXv _m¦nMv Hmw_p-Uvkvamsâ A[n-Im-c-]-cn-[n-bn-emtWm {]kvXpX imJ hcp-

¶Xv Abm-fpsS t]cpw _Ô-s¸-tS− hnh-c-§fpw

vi. eLp-]p-kvX-I-cq-]-̄ n e -̀y-am-Ip¶ hnhcw

Un. R§-fpsS sh_vssk-än Xmsg-¸-d-bp-¶-h-sb-¡p-dn-¨pÅ R§-fpsS \b-§Ä R§Ä

{]ZÀin-¸n-¨n-«p−v

Page 6: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

i. sN¡v tiJ-cWw

ii. ]cmXn ]cn-lmcw

iii. \jvS-]-cn-lmcw

iv. IpSn-ÈnI tiJ-c-Whpw Pmayw hos−-Sp-¡epw

2.1.4 sXäp]äp¶ thf-bn DS-\Sn A\p-`m-h-]qÀhw AXns\ Xmsg- -̧dbpw {]Imcw

ssIIm-cyw sN¿Â

F. sXäp-IÄ IrX-y-ambn Xncp-¯p-I-bpw, R§-fpsS sXäp-Im-cWw Npa-¯s¸« _m¦v sNe-

shs´-¦nepw Ds−-¦n AXv d±m-¡p-Ibpw sN¿pI

_n. \n§-fpsS ]cm-Xn-IÄ DS-\Sn ssIIm-cyw sN¿pI

kn. F¶n«pw \n§Ä Xr]vX-\m-bn-sÃ-¦n ]cm-Xn-bp-ambn F§s\ apt¶m-«p-t]m-Im-sa¶v

]d-ªp-X-cnI (J-WvUnI \¼À 10 I−m-epw)

Un. kmt¦-XnI XI-cm-dp-IÄ aqew D−m-Ip¶ {]iv\-§Ä eLq-I-cn-¡p-hm³ DNn-X-amb

CX-c-amÀK-§Ä e -̀y-am-¡pI

2.1.5 \n§-fpsS FÃm hy-àn-KX hnh-c-§fpw kz-Im-c-y-ambpw cl-k-y-ambpw ssIIm-

cyw sN¿pI

NphsS JWvUnI \¼À 4þ {]Xn-]m-Zn-¨n-cn-¡p¶ Imc-y-§Ä¡p hnt[-b-ambn \n§sf

kw_-Ôn¨ FÃm hy-àn-KX hnh-c-§fpw kz-Im-c-y-ambpw cl-k-y-ambpw R§Ä ssIIm-

cyw sN¿pw.

2.1.6 Cu \nb-am-h-en¡v {]Nm-c-W-ta-Ip-¶-Xn-te-¡mbn R§Ä:

F. Iu−-dn t\cnt«m Ce-Ivt{Sm-WnIv hmÀ¯m hn\n-ab coXn-bntem X]m-entem At]-

£n-¡p¶ ]£w \n§Ä¡v (\n-e-hn-epÅ CS-]m-Sp-Im-c-\v) Cu \nb-am-h-en-bpsS Hcp

]IÀ¸v ku-P-\-y-ambn e`-y-am-¡pw.

_n. \n§-fpsS A¡u−v XpS-§p-t¼mÄ \n§Ä¡v (]pXnb CS-]m-Sp-Im-c-\v) Cu \nb-am-h-

en-bpsS Hcp ]IÀ¸v ku-P-\-y-ambn e`-y-am-¡pw.

Page 7: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kn. Hmtcm imJ-bnepw R§-fpsS sh_vssk-änepw Cu \nb-am-hen e`-y-am¡pw

Un. Cu \nb-am-h-ensb kw_-Ôn¨ {]kàhnh-c-§Ä e`-y-am-¡p-hm\pw CXv \S-¸n hcp-

¯p-hm\pw R§-fpsS Poh-\-¡mÀ¡v ]cn-io-e\w In«p¶p F¶v Dd-̧ p-h-cp-¯pw.

2.1.7 Hcp hnth-N\clnX \bw kzo-I-cn-¡p-Ibpw \S-¸m-¡p-Ibpw sN¿p-¶-Xn-te¡v

{]mbw, hÀKw, enwKw, sshhm-ln-Im-h-Ø, aXw, imco-cn-Im-h-iX DÅ-]£w AXv F¶n-h-

bpsS ASn-Øm-\-¯n R§Ä hnth-N\w Im«n-Ã.

3. hnh-c-§Ä

C\n-¸-d-bp¶ GsX-¦nepw amÀK-¯n-eqsS ]eni \nc-¡p-IÄ, km[m-c-W-bpÅ ^okp-Ifpw

sNe-hp-Ifpw F¶nh kw_-Ôn¨ hnh-c-§Ä \n§Ä¡v e`n-¡p-¶-Xm-Wv.

F. R§-fpsS imJ-I-fntem slÂ]v-þ-sse-\p-I-fntem t^m¬ sN¿p-¶-Xn-eqsS

_n. R§-fpsS sh_vssk-än t\m¡p-¶-Xn-eqsS

kn. R§-fpsS _Ô-s¸« DtZ-ym-K-Ø-t\mSv/slÂ]v sUkvIn tNmZn-¡p-¶-Xn-eqsS

Un. R§-fpsS imJ-I-fnepw sh_vssk-änepw e`-y-amb Np¦- -̧«nI (NphsS JWvUnI 3.3

ImWp-I) ]cn-tim-[n-¡p-¶-Xn-eqsS

3.1 R§Ä:

F. FwF-kv-C-IÄ¡v hnti-jn¨pw hmKvZm\w \ÂIp¶ FÃm ]²-Xn-I-sf-¡p-dn-¨papÅ hnh-

c-§Ä \n§Ä¡v \ÂIpw.

_n. R§-fpsS hmbv], {Zh-y-h-c-hv, XhW hmbv]-IÄ, Pma-y-§Ä, _n Cfhv

\ÂIÂ/hm§Â XpS-§nb DXv]-¶-§-sfbpw \S-¸m-¡m-hp¶ ]cni \nc¡v DÄs¸-sS-bpÅ

hchv sNehv ]«nI C\-§Ä, ]en-iþ^okvþ\nc¡v F¶nh IW-¡p-Iq-«p¶ coXn apX-em-b-

h-sbbpw Ipdn-¨pÅ hnh-c-§Ä \ÂIpIbpw hni-Zo-I-cn-¡p-Ibpw sN¿pw.

kn. \n§Ä Xnc-sª-Sp¯ DXv]-¶-§fpw tkh-\hpw \n§-fpsS Bh-i-y-§Ä¡v tbmPn¨

hn[-¯n km{¼-Zm-bn-I-am-¡p-¶-Xn\v ]cn-{i-an-¡pw.

Page 8: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

Un. DXv]-¶-§fpw tkh-\-§fpw H¶n-e-[nIw amÀK-§-fn-eqsS (D-Zm-l-c-W-¯n\v Fän-F-½p-

IÄ, CâÀs\-äv, t^m¬, imJ-IÄ F¶n-X-ymZn amÀK-§-fn-eq-sS) R§Ä e`-y-am-¡ptam

F¶pw Ah-sb-¸än IqSp-X hnh-c-§Ä F§s\ Is−-¯m-sa¶pw ]d-ªp-X-cpw.

C. \nb-aw, \nb-{´-Ww, B´-cnI\bw F¶nh kw_-Ôn¨ Bh-i-y-I-X-IÄ \nd-th-äp-hm³

\n§-fpsS hy-àn-Xzw Xncn-¨-dn-bp-¶-Xn\pw taÂhn-em-kw sXfn-bn-¡p¶Xn\p-ambn

Fs´Ãmw hnh-c-§Ä \n§-fn \n¶v th−n-h-cp-sa¶v ]dbpw

3.2 ]eni \nc-¡p-IÄ

]eni \nc-¡p-I-fnse amä-§Ä

R§-fpsS DXv]-¶-§-fnt·-epÅ ]eni \nc-¡n-t·Â Fs´-¦nepw hyXymkw hcp¶

]£w Xmsg ]d-bp¶ \n§Ä¡-\p-tbm-P-y-amb GsX-¦nepw amÀK-ap-]-tbm-Kn¨v \n§sf

Ggp-Zn-h-k-¯n-\Iw Adn-bn-¡p-¶-Xm-Wv;

F. I¯v,

_n. Fkv-Fw-Fkv AsÃ-¦nÂ

kn. Cþ-sa-bnÂ

R§-fpsS sh_vssk-än {]kvXpX hnhcw {]ZÀin-¸n-¡p-Ibpw ]cn-tim-[-\-¡mbn R§-

fpsS imJ-I-fn e`-y-am-¡p-Ibpw sN¿pw.

3.3 \nc¡p]«nI

3.3.1 ^okpw sNehpw

F. \n§Ä sXc-sª-Sp¯ DXv]-¶-§Ä¡pw tkh-\-§Ä¡pw _m[-I-amb, Ipdª

\o¡p-_m¡n \ne-\nÀ¯m-̄ -Xn-\pÅ sNehv, ]pd-¶m-«nse sN¡n\v ]Ww \ÂIÂ,

Unam³Uv {Um v̂äp-Ifpw sN¡v_p-¡p-Ifpw \ÂIÂ, A¡u−v hnh-c-Ww, A¡u−v AS-

bv¡Â, FänFw tI{µ-§-fn \nt£-]n-¡Â/]n³h-en-¡Â apX-em-bh-bv¡pÅ sNehv

F¶n-X-ymZn FÃm sNehpI-sfbpw Ipdn¨v \n§sf Adn-bn-¡p-¶-Xm-Wv.

_n. hnhn[ tkh-\-§Ä¡pÅ ^okpw hnhn[ tkh-\-§Ä¡m-bpÅ tkh\ \nc-¡p-Ifpw,

FÃm imJ-I-fnepw A[n-Im-c-]-cn-[n-bp-ÅXpw C¡m-c-y-¯n Xocp-am-\-sa-Sp-¡m³ t_mÀUv

Npa-X-e-s¸-Sp-¯n-b-Xp-amb _m¦nsâ t_mÀtUm atä-sX-¦nepw tbmK-y-amb A[n-Im-c-Øm-

\tam AwKo-I-cn-¨n-«pÅXmsW¶pw Ah CtX hn`mKw CS-]m-Sp-Im-cpsS Imc-y-¯n \ym-b-

am-bXpw ]£-]m-X-c-ln-X-hp-am-sW¶pw R§Ä Dd¸p hcp¯pw.

Page 9: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kn. R§-fpsS Np¦-¸-«nI R§-fpsS sh_vssk-än {]-kn-²o-I-cn-¡p-Ibpw \n§-fpsS ]cn-

tim-[-\-bv¡mbn FÃm imJ-I-fnepw Ah-bpsS Hcp ]IÀ¸v kuP-\-y-ambn e -̀y-am-¡p-Ibpw

sN¿pw.

Un. R§fpsS kuP-\y tkh-\-§-fpsS Hcp ]«nI R§-fpsS sh_vssk-änepw FÃm

imJ-I-fnepw {]ZÀin-¸n-¡pw.

C. \n§Ä sXc-sª-Sp¯ DXv]-¶s¯/tkh-\s¯ kw_-Ôn¨ GsX-¦nepw \n_-Ô-\-I-

sftbm hy-h-Ø-I-sftbm ]men-¡m-Xn-cn-¡p¶/ewLn-¡p¶ ]£w _m[-I-am-hp¶ ]ng-Isf

kw_-Ôn¨ hnh-c-§fpw IqSn R§Ä \ÂIpw.

F^v. tImÀ _m¦nMv skme-yq-j³kn-te¡v (kn-_n-F-kv) _m¦ns\ DbÀ¯p¶p F¶-Im-c-

W-¯m R§Ä \nc-¡p-IÄ hÀ²n-¸n-¡p-I-bn-Ã.

3.3.2 ^okp-I-fn-sebpw sNe-hp-I-fn-sebpw amä-§Ä

R§Ä GsX-¦nepw ^otkm \nct¡m amäp-Itbm ]pXp-¡p-Itbm Hcp ]pXnb ^otkm

\nct¡m Ah-X-cn-¸n-¡p-Itbm sN¿p-¶-]-£w, A¡mcyw ]pXp-¡nb \nc-¡p-IÄ {]m_-e-y-

¯n hcp-¶-Xn\v Hcp amkw ap³]p-Xs¶ A¡u−v IW-¡p-hn-h-c-§Ä/Csa-bnÂ/Fkv-

Fw-Fkv ap¶-dn-bn-¸p-IÄ/imJ-I-fnse t\m«okv t_mÀUp-IÄ F¶n-h-bn-eqsS Adn-bn-¡p-

¶-Xm-Wv.

3.4 \n_-Ô-\-Ifpw hy-h-Ø-Ifpw

F. R§-tfmSv \n§Ä¡p \ÂIp-hm³ Bh-i-y-s¸-«n-cn-¡p¶ tkh-\-¯nsâ {]k-à-amb

\n_-Ô-\-Ifpw hy-h-Ø-Ifpw \n§sf Adn-bn-¡pw.

_n. FÃm \n_-Ô-\-Ifpw hy-h-Ø-Ifpw DNn-X-am-bn-cn-¡p-Ibpw Ah-bn {]k-à-amb

Ah-Im-i-§Ä, hnin-jym \ma-\nÀt±i kuI-cyw kw_-Ôn-¨p-Å-hbpw _m[-y-X-I-sfbpw

Npa-X-e-I-sfbpw Ipdn-¨p-Å-hbpw hy-à-ambpw Ign-hXpw efn-Xhpw kc-f-hp-amb `mj-bnepw

{]Xn-]m-Zn-¡pw.

3.4.1 \n_-Ô-\-IÄ¡pw hy-h-Ø-IÄ¡p-apÅ amä-§Ä

F. \n_-Ô-\-IÄ¡pw hy-h-Ø-IÄ¡p-apÅ amä-§Ä Xmsg ]d-ªn-cn-¡p¶, \n§Ä¡v

Gähpw tbmPn¨, amÀK-ap-]-tbm-Kn¨v \n§sf Adn-bn-¡pw.

i. I¯v

ii. Fkv-Fw-Fkv AsÃ-¦nÂ

Page 10: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

iii. Cþ-sa-bnÂ

R§-fpsS sh_vssk-än {]kvXpX hnhcw {]ZÀin-¸n-¡p-Ibpw ]cn-tim-[-\-¡mbn R§-

fpsS imJ-I-fn e`-y-am-¡p-Ibpw sN¿pw.

_n. km[m-c-W-bmbn Hcp amks¯ t\m«okv \ÂIn-b-Xn-\p-ti-j-am-bn-cn¡pw \n_-Ô-\-

IÄ¡pw hy-h-Ø-IÄ¡pw hcpw-Im-e-{]m-_-e-y-t¯msS amäw hcp-¯p¶Xv.

kn. ap¶-dn-bn¸p IqSmsX R§Ä Fs´-¦nepw amäw hcp-¯n-bn-«p-s−-¦nÂ, 30 Znh-k-

§Ä¡p-Ån amäw kw_-Ôn¨v R§Ä \n§sf Adn-bn-¡p-¶-Xm-Wv. B amäw \n§Ä¡v

Aln-X-am-sW-¦nÂ, 60 Znh-k-§Ä¡p-ÅnÂ, ap¶-dn-bn¸p \ÂImsX \n§Ä¡v A¡u−v

Ah-km-\n-¸n-¡p-Itbm A[nI NmÀPp-Itfm ]en-itbm \ÂtI-−-Xn-ÃmsX XpI asämcp

A¡u-−n-te¡p amäp-Itbm sN¿m-hp-¶-Xm-Wv.

Un. GsX-¦nepw Hcp hÀj-¯n R§Ä Hcp henb amätam At\Iw sNdnb amä-§tfm

hcp-¯p-I-bp-−m-bmÂ, ]pXnb \n_-Ô-\-I-fp-sSbpw hy-h-Ø-I-fp-sSbpw Hcp ]IÀ¸v, Bh-i-

y-s¸-Sp-¶]£w, R§Ä \n§Ä¡v \ÂIp-¶-Xm-Wv.

4. kz-Im-c-y-Xbpw cl-kykz-`m-hhpw

F. \n§-fpsS hy-àn-KX hnh-c-§Ä kz-Im-c-y-X-tbm-sSbpw cl-k-y-k-z-`m-h-t¯m-sSbpw

R§Ä ssIIm-cyw sN¿p-¶-Xpw (\n-§Ä R§-fpsS CS-]m-Sp-Im-c³ AÃm-Xmbn

F¦nÂt¸m-epw) Xmsg ]d-bp¶ XX-z-§-fmepw \b-§-fmepw R§Ä \bn-¡-s¸-Sp-¶-Xp-am-

Wv. \n§-fpsS A¡u-−p-I-fp-ambn _Ô-s¸« hnh-c-§Ä AsÃ-¦n Umä, \n§Ä \ÂIn-

bn-«p-Åh Bbmepw AsÃ-¦n-epw, R§-fpsS {Kq¸nÂs¸« aäv I¼-\n-IÄ/Øm]-\-§Ä

DÄs¸sS BÀ¡pw, Xmsg¸d-bp¶ Akm-[m-cW kµÀ`-§-fn Hgn-sI, shfn-s¸-Sp-¯p-¶-X-

Ã.

i. \nb-a-{]-Imcw R§Ä hnhcw \ÂtI−Xps−-¦nÂ

ii. hnhcw shfn-s¸-Sp-t¯-−Xv s]mXp-P-\-t¯m-SpÅ IS-a-bm-bmÂ

iii. hnhcw \ÂtI-−Xv R§-fpsS XmXv]-c-y-§Ä¡v Bh-i-y-ambn h¶m (D-Zm-l-c-

W-¯n-\v, Ir{Xnaw XS-bp-hm³). F¶mÂ, hn]-W-\m-h-i-y-§Ä¡m-bn, R§-fpsS

{Kq¸n se aäp I¼-\n-IÄ DÄs¸sSbpÅ aämÀs¡-¦nepw \n§-sftbm \n§-fpsS

A¡u-−p-I-sftbm kw_-Ôn¨ hnh-c-§Ä (\n-§-fpsS t]cpw taÂhn-em-khpw

DÄs¸-sS) \ÂIp-hm³ R§Ä CXv Hcp Imc-W-am-¡p-I-bn-Ã.

Page 11: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

iv. hnh-c-§Ä shfn-s¸-Sp-¯p-hm³ \n§Ä Bh-i-y-s¸-Sp-t¼mÄ AsÃ-¦n AXn\v

\n§-fpsS A\p-aXn R§Ä¡v DÅ-t¸mÄ

_n. \n§sf kw_-Ôn¨v Hcp _mt¦gvkv d -̂d³kv \ÂIp-hm³ R§-tfmSv Bh-i-y-s¸-

«m AXv \ÂIp-hm³ \n§-fpsS tcJm-aq-e-apÅ ap³IqÀ A\p-aXn Bh-i-y-ap-−v.

kn. \n§sf kw_-Ôn¨v R§-fpsS ssIh-i-apÅ hy-àn-KX tcJ-IÄ t\m¡p-¶-Xn\v

\ne-hn-epÅ \nb-a-¯nsâ N«-¡qSv {]Imcw \n§Ä¡pÅ Ah-Im-i-§-fpsS hym]vXn

R§Ä hni-Zo-I-cn¨p Xcpw.

Un. \n§Ä R§sf {]tX-yIw A[n-Im-c-s¸-Sp-¯m¯ ]£w, R§Ä DÄs¸sS Bcp-

sSbpw hn]-W-\m-h-i-y-§Ä¡v \n§-fpsS hy-àn-KX hnh-c-§Ä R§Ä D]-tbm-Kn-¡n-Ã.

4.1 s{IUnäv C³^Àta-j³ I¼-\n-IÄ

F. s{IUnäv C³^Àta-j³ I¼\n-IfpsS (kn-sF-kn) ]¦v F´m-sW¶pw Ah-cpsS AwK-

§Ä¡v AhÀ e`-y-am-¡p¶ hnh-c-§Ä \n§Ä¡v hmbv] e`n-t¡− km[-y-X-bn-t·epÅ

kzm-[o-\-sa-s´¶pw R§Ä \n§Ä¡v hnh-cn¨p Xcpw.

_n. \n§Ä \n§-fpsS A¡u−v Xpd-¡p-t¼mÄ, R§Ä¡v \n§-fn \n¶v In«m-\pÅ

hym-]mc/kz-Im-cy IS-§Ä, \n§-fpsS A¡u−v \S-¯n¸v, Imem-Im-e-§-fn Ah-tcm-

sSm¸w \nÀan-¡p¶ sN¡p-I-Ä F¶nh DÄs¸-sS-bpÅ \n§-fpsS A¡u−v hnh-c-§Ä

R§Ä knsF-kn-IÄ¡v ssIamdpw.

kn. R§-fn \ns¶-Sp¯ hmbv]-bpsS ]pXp-¡nb hnh-c-§Ä R§Ä knsF-kn-Isf

amkm-amkw Adn-bn-¡pw.

Un. knsF-kn-Isf Adn-bn-¡p¶ hnh-c-§fn \n§Ä R§Ä¡v IS-s¸-«n-cn-¡p¶ hy-àn-

KX IS-§fpw DÄs¸-Sp-¶-Xm-Wv, Xmsg-¸-d-bp¶ kl-N-c-y-§-fnÂt¸mepw

i) \n§Ä hmbv]m Xncn-¨-S-hn hogvN hcp-¯n-bn-cn-¡p¶p

ii) \ÂtI− XpI XÀ¡-¯n-emWv

iii) R§Ä¡v Xr]vXn-h-cm¯ GsX-¦nepw Xncn-¨-S-bv¡Â \nÀt±-i-§-fmWv

\n§fp¶-bn-¡p-I-bp-−m-bXv

Page 12: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

C. \n§-fpsS hmbv]m A¡u-−n hogvN hcn-Ibpw ]n¶oSv {Iao-I-cn-¡p-Ibpw sN¿p-I-bp-

−m-bm ASp¯ {]Xn-amk dnt¸mÀ«n knsF-kn-Isf {]kvXpX hnhcw Adn-bn-¡p-¶-Xn-

\pÅ \S-]-Sn-IÄ ssIs¡m-Åpw.

F^v. \n§-fpsS A¡u−v hni-Zmw-i-§sf¡p-dn-¨pÅ ]pXp-¡nb hnh-c-§Ä R§Ä

knsF-kn-Isf amkm-amkw Adn-bn-¡pw, hnin-jym \n§-fpsS A¡u−v Iptd-Imew '\ne-

hmcw Ipdª'Xmbn-cp-¶-Xn-\p-tijw "\ne-hm-c-ap-Å-Xm-'Ip-t¼mgpw AXp-t]mse/ AsÃ-¦nÂ

A¡u−v R§Ä¡v kwXr]vXn \ÂIp¶ hn[-¯n {Ia-s¸-Sp-¯n-b-Xn\p/\ndp-¯n-b-Xn\p

tijw DS-s\-bpw.

Pn. R§-fn \n¶pw hmbv]m kuI-c-y-§Ä¡v \n§Ä At]-£n-¡p-t¼mÄ, At]-£-bn-

t·epw Bh-i-y-amb ^okv AS-¨-Xn-t·epw knsF-kn-bn \n¶pw R§Ä¡v e`n¨

hmbv]m hnh-c-§-fpsS ]IÀ¸v \n§Ä¡v e -̀y-am-¡pw.

5. hmbv] \ÂIÂ

F. R§-fpsS hmbv]m \bw \mj-WÂ t]mfnkn Bâv Z dKp-te-ädn {]nkv{In-]vjsâ e£-

y-§fpw Bth-ihpw {]Xn- -̂en-¸n-¡p-¶-h-bmbn-cn-¡pw. Hcp GI-Pm-eI kwhn-[m-\-¯n-eqsS

kuI-c-y-§Ä e`-y-am-¡p-hm³ R§Ä ]cn-{i-an-¡pw.

_n. kq£va, sNdp-InS kwcw-`-§-sf-¡p-dn-¨pÅ \bw R§-fpsS sh_vssk-än R§Ä

CSp-Ibpw \n§Ä¡v ]cn-tim-[-\-¡mbn imJ-I-fn e -̀y-am-¡p-Ibpw sN¿pw. Bh-i-y-s -̧

Sp¶ ]£w \ma-am-{X-amb \nc-¡n Hcp ]IÀ¸v R§Ä e -̀y-am-¡pw.

kn. Xmsg-¸-d-bp¶ Imc-y-§-fn-t·-epÅ R§fpsS \b-¯nsâ ]IÀ¸v R§-fpsS

sh_vssk-än {]ZÀin-¸n-¡pIbpw R§-fpsS imJ-I-fn e`-y-am-¡p-Ibpw sN¿pw.

• kq£va, sNdp-InS kwcw- -̀§Ä¡v hmbv] \ÂIÂ

• kq£va, sNdp-InS kwcw- -̀§-Ä¡sf ]p\xØm]n¡Â-

Un. e`-y-amb t\«-§fpsSbpw AS-bvt¡− \nc-¡p-IfpsSbpw AXp-t]mse tbmK-y-cmb

_m¦p-IÄ \ÂIp-¶Xpw FwF-kv-C-IÄ¡pÅ knPn-än-F-kv-FwC Kym-c³dn ]²-Xn-sb¶v

s]mXpsh Adn-b-s¸-Sp¶Xpw Cu ]²-Xn-{]-Imcw ]pXn-bXpw \ne-hn-ep-Å-Xp-amb, NnÃd

hym-]mcw, hnZ-ym-`-ymk Øm]-\-§Ä, ]cn-io-e\ tI{µ-§Ä, kzbw klmb kwL-§Ä

(F-kv-F-¨vPn-IÄ) F¶nh Hgn-sI-bpÅ ]c-am-h[n 100 e£w (\qdv e£w cq]) {]Xn

hmbv]¡m-c³ EW aqe-[-\-apÅ tkh\ kwcw-`-§Ä DÄs¸-sS-bpÅ kq£va, sNdp-InS

kwcw- -̀§Ä¡v Ct¸mÄ e`-y-am-bXpamb kq£va, sNdp-InS kwcw-`-§Ä¡m-bpÅ

Page 13: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

s{IUnäv Kym-c³dn \n[nbnse s{IUnäv Kym-c³dn ]²Xn bpsS hy-h-Ø-IfpsSbpw apJ-y-e-

£-W-§sf¡p-dn¨v R§Ä \n§sf Adn-bn¡pw.

C. \ne-hn-epÅ GsX-¦nepw Cfhv ]²-Xn¡p Iogn DÄs¸-Sp-¯m³ Hcp hmbv] AÀl-am-

sW-¦n A¯cw ]²-Xn-bpsS khntijXIfpw AXv t\Sp-hm³ \n§Ä Ah-iyw

sNt¿−-sX-s´¶pw R§Ä \n§Ä¡v hnh-cn-¨p-Xcpw.

F^v. `mhn-{]Xo£-bpÅ IS-¡m-cpsS km¼-¯nI \S-¯n¸nse Adnhv hÀ²n-¸n-¡m-\p-Å

]cn-]m-Sn-IÄ kwL-Sn-¸n-¡m³ R§Ä ]cn-{i-an-¡pw.

Pn. Bi-b-§fpw \nÀt±-i-§fpw ssIam-dm-\pÅ Hcp hy-h-Øn-X-amb amÀKw F¶ \ne-bnÂ

FwF-kvC hmbv]¡m-cpsS tbmK-§Ä Xn«-amb CS-th-f-I-fn kwL-Sn-¸n-¡m³ R§Ä

]cn-{i-an¡pw.

5.1 At]-£n-¡Â

F. efn-Xhpw hy-h-Øn-Xhpw a\-Ên-em-¡m³ Ffp-¸-hp-amb hmbv]-bv¡m-bpÅ At]£m

t^mdw (-t^md-§Ä) kuP-\-y-am-bn e -̀y-am-¡pw.

_n. FÃm AÀY-¯nepw ]qÀW-amb At]£ kaÀ¸n-¡p-hm³ \n§sf {]m]vX-\m-¡p-¶-Xn-

te-¡mbn hmbv]m At]£m t^md¯n-t\m-sSm¸w (\n-b-a-]-chpw \nb-{´-W-]-c-hp-amb Bh-

i-y-§-fp-ambn _Ô-s¸« ]cm-Xn-IÄ) kaÀ¸n-¡p-hm³ tcJ-I-fpsS H¯p-t\m-¡p-]-«nI e`-y-

am¡pw. Bh-i-y-apÅ]£w, \n§-fpsS At]£m t^mdw ]qcn-¸n-¡p-¶-Xn\v \n§sf

R§Ä klm-bn-¡pw.

kn. \n§Ä¡v At]£m t^mdw e`-y-am-¡p¶ AtX kabw Xs¶ ]eni \nc-¡p-I-tfm-

sS¸w _m[-I-amb hmÀjnIh¡cn¨ ]eni \nc-¡p-I-fpsSbpw, \S-¯n-¸n-\mbn HSp-t¡−

^okv/\nc-¡p-IfpsSbpw, ap³IqÀ AS-bv¡Â Xnc-sª-Sp-¡epw AXn\v \nc-¡p-s−-¦nÂ

AXpw, ]ns¶ \n§-fpsS XmÂ]cys¯ _m[n-¡p¶ Fs´-¦nepw Imcyaps−-¦n AXpw

DÄs¸sS FÃm hnhc§fpw e -̀y-am-¡p-¶-XmWv. X·qew aäp _m¦p-I-fp-am-bpÅ AÀY-

]qÀW-amb Hcp Xmc-X-ayw \S-¯phm\pw _p²n]camb Xocp-am\w FSp-¡p-hm\pw

\n§Ä¡v Ignbpw.

Un. \n§-fpsS hmbv]m At]£ t\cnt«m Hm¬sse-\mtbm kaÀ¸n-¨mepw AXv In«nb

hnhchp-w, F{X Ime-¯n-\p-Ån B At]-£-bn-t·Â \S-]-Sn-sb-Sp¡pw F¶- hn-hchpw

FgpXn Adn-bn¡pw.

Page 14: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

C. At]£ kaÀ¸n-¡p¶ ka-b¯v Xs¶ hmbv]m kuI-cy¯n\m-bpÅ At]£ bpsS

\S-¯n-¸n-\m-h-i-y-amb hnh-c-§Ä km[m-cWKXn-bn tiJ-cn-¡pw. IqSpXembn

Fs´¦nepw hnh-cw Bhiyambn h¶mÂ, At]£ e`n¨v Ggv {]hr¯n Znhk

§Ä¡pÅn \n§-fpambn _\v[s¸Sp¶Xm-bncn-¡pw.

F^v. Xr]vXn-I-c-ambn ssIIm-cyw sNbvXp-h-cp¶ \ne-hn-epÅ Hcp hmbv]m kuI-cyw ]pXp-

¡p-I-bm-sW-¦n R§-fpsS ssIhiw apt¶ CÃm¯ A[nI hnh-c-§-sf-s´-¦n-ep-ap-s−-

¦n Ah \n§-fn \n¶pw tiJ-cn-¡m³ R§Ä ]cn-{i-an-¡pw.

Pn. R§Ä AwKo-I-cn-¨Xpw \n§Ä kzo-I-cn-t¨-¡m-hp-¶-Xp-amb hmbv]m/EW kuI-c-y-

§sf \nb-{´n-¡p¶ Gähpw {][m-\-s¸« hy-hØIfpw \n_Ô\-Ifpw (Fw-sF-än-kn)

R§Ä \n§Ä¡v \ÂIpw.

F¨v. \n§-fpsS At]-£-bpsS AhØ Fs´¶v Hm¬sse-\n a\-Ên-em-¡m³ \n§sf

{]m]vX-\m-¡m³ ]cn-{i-an-¡pw.

sF. A\p-h-Zn-¨mepw CsÃ-¦nepw 5 e£w cq] hsc-bpÅ hmbv]-IÄ¡v Hcp Xc--¯n

epapÅ \S-¯n¸p ^okv CuSm-¡p-I-bnÃ

sP. A©p e£w cq] hsc-bpÅ hmbv]-bvt¡m \ne-hn-epÅ hmbv]m-XpI A{Xbpw

DbÀ¯p-¶-Xnt\m DÅ \n§-fpsS At]-£-I-fn-t·Â, At]£ FÃm AÀY-¯nepw

]qÀWhpw "H¯p-t\m¡p ]«nI' {]Imcw FÃm tcJ-Ifpw DÅXpam-bmÂ, At]£ e`n¨v 2

BgvN-bv¡Ihpw, 5 e£w cq] apXÂ 25 e£w cq] hsc hmbv]m ]cn-[n-bp-Å-hbnt·Â 4

BgvN-bv¡-Ihpw, 25 e£-̄ n\p ta hmbv]m ]cn-[n-bp-Å-h-bn-t·Â 8 BgvN-bv¡-I-hpw

\S-]-Sn-sb-Sp-¡pw.

5.2 hmbv]m aqe-y-\nÀWbw

F. R§Ä

i) Cu Dt±-i-y-t¯msS R§Ä \nb-an¨ R§-fpsS Poh-\-¡mÀ/GP³kn-IÄ

aptJ\ \n§sf \n§-fpsS hym-]mc taÂhn-em-k-¯nÂ/ho«n _Ô-s¸«v \n§-

fpsS At]-£-bn ]d-ªn-cn-¡p¶ hnh-c-§Ä icn-bmtWm F¶v ]cn-tim-[n¡pw.

ii) \n§Ä¡v Fs´-¦nepw ]Ww hmbv] \ÂIp-¶-Xnt\m, \n§fpsS HmhÀ

{Um v̂änsâtbm hmbv]bpsStbm ]cn[n/IÄ hÀ²n-¸n-¡p-¶-Xnt\m ap³]v X¡Xmb

ipjvIm´ntbmsS hni-Z-ambn Xn«s¸Sp¯n, \n§-fpsS hmbv]m At]-£sb icn-

bmbn hne-bn-cp¯pw.

Page 15: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

iii) \n§Ä \ÂInb Bkq{XWtcJm-Nn-{X-§Ä bpàn-k-l-am-sW¶v R§Ä

kzbw t_m[-yw-h-cp-¯pw.

iv) \n§-fpsS hmbv]m Bh-iyw hne-bn-cp-¯p¶ thf-bnÂ, \n§-fpsS hym-]m-c-

¯nsâ Imen-IXsb AsÃ-¦n Nm{In-I-Xsb IW-¡n-se-Sp¡pIbpw Bh-i-y-apÅ

]£w Gähpw DbÀ¶Xpw A-Ãm-¯-Xp-amb hy-XykvX hmbv]m ]cn-[n-IÄ \nÝ-bn-

¡p-Ibpw sN¿pw.

_n. Hcp DNn-X-amb hne-bn-cp-¯Â \S-¯p-hm³ R§Ä¡v Xmsg-]-d-bp¶ hnh-c-§Ä

\n§Ä \ÂtI-−Xmbn«p−v.

i) hmbv]-bpsS Bh-iyw

ii) \n§-fpsS hym-]m-c-]-²Xn

iii) \n§-fpsS hym-]m-c-¯nse ]W-̄ nsâ Hgp-¡v, em -̀km-[-y-X, Bh-i-y-apÅ

]£w A¡u−v tÌävsaâp-IÄ Iq«n-t¨À¯-Xv hgn \ne-hn-epÅ km¼-¯nI _m[-

y-X-IÄ.

iv) \n§-fpsS hy-àn-]-c-amb km¼-¯nI _m[-y-X-IÄ

v) \n§Ä Ignª Ime-§-fn km¼-¯nI Imc-y-§Ä F§s\ ssIIm-cyw

sNbvXn-cp¶p F¶Xv

vi) s{IUnäv C³^Àta-j³ I¼-\n-I-fn \n¶v R§Ä¡v e`n-¡p¶ hnhcw

vii {]kn-²n-bpÅ s{IUnäv tdänMv GP³kn-IÄ \ÂIn-bn-«pÅ tdän-Mv, GsX¦nepw

DÅ ]£w

viii) hmbv]/s{IUnäv \ÂIp-¶-h-À t]mepÅ aäp-Å-h-cn \n¶pÅ hnh-c-§Ä

ix) hn]-Wn- hnh-c-§Ä

x) \qdp-e£w cq]-bv¡-I-¯mWv hmbv] Bh-i-y-sa-¦n Fs´-¦nepw ]Wbw e`-y-

am-¡n-bn-«pt−m AsÃ-¦n knPn-än-F-kv-FwC Kym-cân ]cn-c£ e -̀y-am-b-XmtWm

xi) asä-s´-¦nepw {]k-à-amb hnhc-§Ä

kn. R§Ä

Page 16: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

i) hmbv]m ]cn[n 10 e£w cq] hsctbm `mc-Xob dnkÀhv _m¦v Imem-Imew hy-

à-X-s¸-Sp-¯p¶ ]cn-[n-h-sctbm DÅhbv¡v A[n-IPm-a-y-¯n\v \nÀ_-Ôn-¡nÃ

ii) \n§-fpsS ap³Ime t\«-§fpw km¼-¯nI ØnXnbpw \¶m-bn-cn-¡p-s¶-¶v

R§Ä¡v t_m[-y-am-Ip¶ ]£w 25 e£w cq] hsc-bpÅ A[n-IPm-a-yc-lnX

hmbv]m ]cn[n e`-y-am-¡p-¶Xv ]cn-K-Wn¡pw

iii) kq£va, sNdp-InS kwcw-`-§Ä¡m-bpÅ s{IUnäv Kym-cân \n[nbnse

s{IUnäv Kym-cân ]²Xnbn³Io-gnepÅ 100 e£w cq]bv¡v (\qdp e£w cq]) DÅn-

epÅ \n§Ä¡-\p-h-Zn¨ hmbv]m kuI-c-y-§Ä DÄs¸-Sp-¯p-¶-Xn\v \n§-fpsS

A\p-hmZw tXSpIbpw AXn³{]-Imcw ]c-am-h[n 100 e£w cq]- (\qdp e£w cq])

]cn-[n-¡p-Ån-epÅ kuI-c-y-§Ä¡mbn A[nI Pmay¯n\v AsÃ-¦nÂ/AYhm

tXUv ]mÀ«n Pmay¯n\v, R§Ä AwKo-I-cn-¨- {]kvXpX kuI-cyw AÀl-amb

kuI-c-yam-sW-¦nepw \n§Ä k½-Xn¨n-«pÅ knPn-än-F-kv-FwC ]²-Xn-bn³Io-gnÂ

hcp-¶Xpw BIp¶ ]£w, \nÀ_-Ôn-¡m-Xn-cn-¡p-Ibpw sN¿pw.

iv) \n§Ä FSp-¯p-Im-«p¶ hmÀjnI {Ib-hn-{Ib¯nsâ Gähpw Npcp-§n-bXv 20

iX-am\¯nsâ ASn-Øm-\-¯n IW-¡p-Iq-«p¶ kq£va, sNdp-InS (\nÀam-W)

kwcw- -̀§Ä¡pÅ {]hÀ¯\ aqe-[\ ]cn-[n-IÄ e -̀y-am¡pw.

v) {Ib-hn-{Ibw, FSp-¯p-Im-«p-¶-Xn-s\-¡mÄ IqSp-X-em-Ip¶ kµÀ`-§-fnepw

{]hÀ¯\ aqe-[-\-¯nsâ {]mcw` hne-bn-cp-¯Â aXn-bm-ImsX ImW-s¸-Sp-t¼mgpw

AXn\v AX-ym-h-iy sXfn-hp-IÄ \n§Ä e`-y-am-¡p-Ibpw sN¿p-t¼mÄ, {]hÀ¯\

ape-[\ ]cn-[n-Ifn A\p-tbm-P-y-amb hÀ²-\-hn-\mbpÅ \n§-fpsS A -̀yÀY\ ]cn-

K-Wn¡pw.

Un. Pmay§Ä

\n§-fpsS _m[-y-X-IÄ¡mbn GsX-¦nepw Hcm-fpsS Hcp Pm-a-y-w AsÃ-¦n Hcp ]W-b-h-

kvXp-hns\ R§Ä kzo-I-cn-¡-W-sa¶v \n§Ä B{K-ln-¡p-t¼mÄ, AhÀt¡m Ah-cpsS

\nb-tam-]-tZ-i-It\m \n§-fpsS km¼-¯nI ØnXn-sb-¡p-dn-¨pÅ cl-k-y-hn-h-c-§Ä

\ÂIm³ \n§-fpsS A\p-hmZw R§Ä tXSpw. AXp-Iq-SmsX R§Ä,

i) Ah-cpsS {]Xn-_-²-X-sbbpw Ah-cpsS Xocp-am\¯nsâ ]cn-Wn-X- -̂e-km-[-y-X-I-

sfbpw Ipdn¨v Dd-¸p-h-cp-¯p-hm³ Ahsc kz-X-{´-amb \nb-tam-]-tZiw kzo-I-cn-¡p-

Page 17: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

hm³ R§Ä t{]mÕm-ln-¸n¡pw. (A-\p-tbm-P-y-amIp-¶]£w, Ah-tcmSv R§Ä

H¸p-h-bv¡p-hm³ ]d-bp¶ tcJ-Ifn Cu ip]mÀi kph-y-àhpw {]X-y-£-hpamb

ap¶-dn-bn-¸mbn D−m-bn-cn-¡pw)

ii) Pma-ytam ]W-btam \ÂIp¶ ]£w \n§-sf-t¸mse Ahcpw _m[-y-Ø-cm-bn-cn-

¡p-sa¶ Imcyw Ah-tcmSv ]d-bpw.

iii) \n§Ä D]-tbm-Kn¨ hmbv]m kuI-c-y-¯n\v Pma-y-¡m-c-³ Bb -BÄ¡v

(BfpIÄ¡v) A\p-h-Zn¨ hmbv]-bpsS/hmbv]m Icm-dnsâ hy-h-Ø-IfpsSbpw D]m-

[n-IfpsSbpw Hcp ]IÀ¸v \ÂIpw.

iv) \n§-fpsS XhW hmbv]-bpsS/Unam³Uv hmbv]-bpsS hmÀjnI IW-¡p-hn-

hc¯nsâ Hcp ]IÀ¸v \n§-fpsS hmbv]-bpsS Pma-y-¡m-c-³ Bb -BÄ¡v

(BfpIÄ¡v) Ab¨p-sIm-Sp-¡pw.

5.3 A\p-h-Zn-¡Â/\nc-kn-¡Â

R§Ä

F. hmbv]m kuI-cyw/kuI-c-y-§Ä A\p-h-Zn-¡p-¶-Xn-te-¡mbn AXn\p ]Icw F¶

\nebv¡v Fs´-¦nepw \nt£-]-̄ n-\mbn \nÀ_-Ôn-¡p-I-bn-Ã.

_n. \n§Ä¡v HmhÀ{Um v̂äv hmKvZm\w sN¿p-t¼mÄ, \n§-fpsS \ne-hn-epÅ HmhÀ

{Um v̂äv ]cn[n hÀ²n-¸n-¡p-t¼mÄ, \n§-fpsS HmhÀ{Um v̂äv Bh-i-y-{]-Imcw Xncn-̈ -S-t¡-

−-XmtWm AÃtbm F¶pÅ Imcyw \n§-tfmSv ]d-bpw.

kn. hmbv]m kuI-c-y-§sf \nb-{´n-¡p¶ AwKo-I-cn¡s¸« hy-h-Ø-Ifpw \n_-Ô-\-Ipfw

aäv ap¶-dn-bn-¸p-Ifpw Fgp-Xn-¯-bm-dm-¡p-Ibpw AXns\ apd-{]-Imcw {]am-Wo-I-cn-¡p-Ibpw

Hcp ]IÀ¸v \n§Ä¡v \ÂIp-Ibpw sN¿pw.

Un. \n§Ä \nÀh-ln¨ FÃm hmbv]m tcJ-I-fp-sSbpw B[n-Im-cn-I-amb ]IÀ¸p-IÄ R§-

fpsS sNe-hn F¯n-¨p-Xcpw.

C. hmbv]bvt¡m s{IUn-änt\m BbpÅ \n§-fpsS At]£ AwKo-I-cn-¡m-̄ -Xn-\p Å

Imc-W-§Ä FgpXn Adn-bn¡pw.

F^v. Hcp hne-bn-SÂ kwhn-[m\w ]n³Xp-S-cp-Ibpw AXnsâ ]cn-[n-IÄ \n§-fp-ambn ]¦p-h-

bv¡p-Ibpw sN¿pw.

Page 18: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

Pn. Hcp ap¶-Shv ]ngbpw Npa-¯msX Ønc\nc-¡n-Â 50 e£w cq] hsc-bpÅ hmbv]-

IÄ¡v ap¶-Shv A\p-h-Zn¡pw.

F¨v. Hcp ap¶-Shv ]ngbpw Npa-¯msX AØnc \nc-¡n-Â 50 e£w cq] hsc-bpÅ hmbv]-

IÄ¡v ap¶-Shv A\p-h-Zn¡pw.

sF. C¯-c-samcp A\p-h-Zn-¡-ens\ B[mcam¡p¶ FÃm \n_-Ô-\-Ifpw hy-h-Ø-Ifpw

]men-¡p¶-X-papX c−p- {]hr¯nZnh--k§Ä¡p-Ån A\p-h-Zn-¡-s¸« hmbv] hybw

sN¿p¶Xv Dd-¸p-h-cp¯pw

sP. \n§Ä¡v Hcp Xncn-¨-Shv ]«nI (Hcp hmbv]m Imem-h-[n-bn Xncn-¨-S-¡p¶ apX-

ensâbpw ]en-i-bp-sSbpw ]«n-I) e`-y-am-¡pw.

sI. \n§Ä¡v \ÂInb A\p-aXn I¯v {]Imcw Xn«amb Imem-h-[n-bnse ]p\-c-h-tem-I-

\hpw ]pXp-¡epw kuI-cyw Dd-¸p-h-cp-¯pw.

5.4 tI{µ cPnkv{Sn

\n§Ä Hcp hmbv]m kuI-cyw D]-tbm-Kn-¡p-t¼mÄ, tI{µ cPn-kv{Sn-bpsS {]hÀ¯-\-s¯-

¡p-dn¨pw GXv hmbv]m ZmXm-hn\pw {]kvXpX hkvXp- ssIIm-cyw sN¿m³ B{K-ln-¡p¶

GsXmcp hy-àn¡pw Ah-cpsS hnh-c-§Ä ]cn-tim-[-\¡v e`-y-am-bn-cn-¡p-sa¶ hkvXp-Xbpw

R§Ä \n§sf Adn-bn-¡pw.

5.5 ]Ww sImSp-¡en\p tijw

R§Ä

F) hmbv] A\p-h-Zn-¡p-¶Xn\v, hmbv]m k½-X-]-{X-̄ nse hy-h-Ø-IÄ Bh-i-y-s¸-Sp¶,

AsÃ-¦n ]pXnb/hn]-co-X-amb hnhc-§Ä R§-fpsS Adn-hnÂs]Sp¶ kµÀ `-§-fn-sem-

gnsI, \n§-fpsS hym-]mc CS-]m-Sp-I-fn \n¶v R§Ä hn«p-\n¡pw.

_n. R§-fpsS [\-Im-cy {]hÀ¯-\-§-fn krjvS-yq-·p-J-am-bn-cn-¡m³ ]cn-{i-an-¡p-Ibpw

R§-tfm-SpÅ CS-]m-Sp-I-fn \n§Ä t\cn-t«-¡m-hp¶ hmkvXhamb _p²n-ap-«p-Isf A\p-

I-¼m-]qÀhw ssIIm-cyw sN¿p-Ibpw sN¿pw.

kn. atä-sX-¦nepw hmbv]-\ÂIp¶ Øm]-\-¯n \n¶pw \n§Ä XpSÀhmbv]m kuI-cyw

D]-tbm-Kn-¨n-«pt−m F¶v R§sf Adn-bn-¡p-hm³ \n§-tfmSv Bh-i-y-s¸Spw.

Un. Hcp XpSÀ- ]-cn-]m-Sn-sbt¶mWw Xmsg-¸-d-bp¶ hnh-c-§Ä \n§-fn \n¶pw k¼m-Zn-

¡pw.

Page 19: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

i) bYmÀ° ^e-§-fp-ambpÅ \n§-fpsS hym-]m-c-s¯-¡p-dn-¨pÅ {]h-N-\-§-fpsS

Xmc-X-a-yw sN¿Â.

ii) \n§-fpsS hym-]mc ]²-Xn-bnse {][m-\-s¸« LS-I-§-fpsS ]ptcm-K-Xn.

iii) _me³kv joäpw em`-\jvS¡W¡pw aäv klm-b-I-amb tcJ-Ifpw t]mepÅ

hmÀjnI A¡u-−p-IÄ.

iv) \n§-fpsS hmbv]-¡m-cpsSbpw ]äp-Im-cp-sSbpw DÄs¸-«n-«pÅ XpI-I-fp-sSbpw Im-

ea-\p-k-cn¨pÅ hn`-P\w.

C. km[m-cWbpÅ kpc£mkwhn-[m-\-a-\p-k-cn¨v \n§-fpsS ]cn-[n-¡p-ÅnÂ\n¶pÅ

]n³h-en-¡Â A\p-h-Zn¡pw.

F^v. \n§-fpsS kml-N-c-y-§Ä amdp-I-bm-sW-¦nÂ, \n§-fn \n¶v R§Ä¡m-h-iyw

ht¶-¡m-hp¶ Fs´-¦nepw ]pXnb hnh-c-¯n-\mbn \n§-tfmSv kwkm-cn-¡pw.

Pn. \n§-fn \nt¶m _m¦n \nt¶m/A¡u−v Gsä-Sp-¡m³ Xocp-am-\n¨ [\-Im-cy

Øm]-\-¯n \nt¶m ISw-hm-§p¶ A¡u-−n \n¶pw ]Ww ssIamäw \S-¯p-hm-\pÅ

At]£ e`n¨v c−m-gvN-bv¡p-Ån R§-fpsS k½Xw AsÃ-¦n k½-X-an-Ãmbva Adn-bn-

¡pw.

F¨v. hmbv] Xncn-¨-S-¡p¶ apdbv¡v FÃm Pma-y-§-sfbpw DS³Xs¶bpw, aäv GXv Imc-y-

¯nepw AwKo-I-cn-¨tXm Icm-dn-teÀs¸-«tXm Bb FÃm IpSn-Èn-I-bp-sSbpw Xncn-¨-S-hn\v

]Xn-\©v Znh-k-¯n-\p-Ånepw kz-X-{´-am¡pw. asä-s´-¦nepw Ah-Im-i-hm-Z-¯n\v Fgp-Xn-

¯-Åm-\pÅ \S-]Sn FSp-t¡-−-Xp-s−-¦nÂ, A¯cw Ah-Im-i-hm-Z-§sf kw_-Ôn¨

FÃm hnh-c-§fpw Im«n-s¡m−v Hcp ap¶-dn-bn¸v \n§Ä¡v \ÂIp-Ibpw {]k-à-amb Ah-

Im-i-hmZw Øm]n-¨p-In-«pw-hsc/HSp¡p¶-Xp-hsc Pma-y-§Ä/ tcJ-IÄ/]W-b-h-kvXp-hnsâ

P·-{]-amWw ssIhiw \ne-\nÀ¯p-Ibpw sN¿pw.

sF. \n§-fpsS At]£ e`n-¡p¶ AtX Znhkw Xs¶ ]W-b-§Ä/hnX-c-W-§Ä {]m_-

e-y-¯n-em-¡pw.

sP. Pmay kaÀ¸-W-¯n\p tijw 24 aWn-¡q-dn-\Iw \n§Ä¡v ]n³h-en-¡Â iàn hÀ²n-

¸n¨p Xcpw.

Page 20: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

sI. ]eniboSm¡Â, ^okp-IÄ, \nc-¡p-IÄ F¶n-h- aptJ\ \n§-fpsS A¡u-−nÂ

hcp¶ ]äp-I-sf-¸än \n§sf Adn-bn-¡p-¶p.

FÂ. {]hÀ¯n-¸n-¡p¶ A¡u-−p-I-fpsS B\p-Im-en-I- IW-¡p-hn-hcw e -̀y-am-¡p-¶-Xn\p

]pd-sa, \n§-fpsS XhW hmbv]-I-fpsS/Unam³Uv hmbv]-I-fpsS hmÀjnI A¡u−v IW-

¡p-hn-h-chpw \n§Ä¡v e`-y-am-¡pw.

Fw. an¡-hmdpw Bh-iyw hcp¶]£w \nc-¡p-]-«n-I-bn tcJ-s]-Sp-¯n-bn-cn-¡p¶ Hcp

hnebv¡v hmbv]m IW-¡p-hn-hcw \n§Ä¡p e`-y-am¡pw.

F³. Xmsg ]d-bp¶ GsX-¦nepw Ht¶m AXn-e-[n-Itam coXn-I-fn-eqsS \n§Ä hcp-¯nb

]ptcm-K-Xn-Isf \nco-£n-¡pw.

i) \n§-fpsS ssIh-i-apÅ Hml-cn-I-fpsS B\p-Im-enI IW-¡p-hn-hcw kq£va ]cn-

tim-[-\ \S-¯Â

ii) R§-fp-am-bpÅ \n§-fpsS A¡u-−nse CS-]m-Sp-IÄ \nco-£n-¡Â

iii) km¼-¯nI klmbw sNbvX Hml-cn-I-sfbpw/IqSmsX BkvXn-I-sfbpw ]cn-

tim-[n-¡m-\mbn R§-fpsS Poh-\-¡mct\m Npa-X-e-s¸-Sp-¯nb {]Xn-\n-[n tbm

\n§-fpsS ]cn-k-c¯v kµÀi\w \S-¯Â

iv) Fhn-sS-bmtWm Bh-iyw hcp-¶Xv AhnsS h¨v \n§-fpsS hym-]mcw F§-s\-

bmWv t]mIp-¶-sX-¶pÅ hn]Wn hmÀ¯-IÄ kwL-Sn-¸n¡pw

H. X]mÂ/I¯v AsÃ-¦n Fkv-Fw-Fkv D]-tbm-Kn¨v F³]nF BIp-¶Xn\v ap³s]

\n§-fpsS A¡u-−nsâ AhØ Fs´¶v \n§sf Adn-bn-¡m³ ]cn-{i-an-¡pw.

]n. Xncn-¨Sthm Icm-dn³ Iogn-epÅ {]I-S-\tam Xncn-¨p-hn-fn-¡m³/hÀ²n-¸n-¡m³ R§Ä

Xocp-am-\n-¡p¶ ]£tam AsÃ-¦n A[nI Pmay§Ä tXSmt\m AX-ym-h-iyw Imte-Iq«n

Xs¶ \n§Ä¡v t\m«okv \ÂIpw.

5.6 ^−n-Xc ASn-Øm-\-¯n-epÅ kuI-c-y-§Ä

F. R§Ä aqe-[\ D]-I-c-W-§Ä AsÃ-¦n Akw-kvIrX hkvXp-¡Ä/Ign-¡m-hp-¶h

apX-em-bh hm§p-¶-Xn-te-¡mbn C³j-z-d³kv, D]-tZ-iw, Ønco-I-c-Ww, IqSn-bm-tem-N-\,

hmbv]m -]{XnI-I-fn (FÂkn-IÄ) Cf-hp-h-cp-̄  F¶n-h-bn-eqsS ^−n-Xc ASn-Øm-\-

¯n-epÅ kuI-c-y-§Ä hmKvZm\w sNbvtX¡pw. tZiob \nb-a-§-sf-¡q-SmsX {]k-à-

amb N«-§fpw Imem-Im-e-§-fmbn {]kn-²o-I-cn-¡p¶ C³À\m-j-W tNw_À Hm v̂

Page 21: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

tImta-gvknsâ (sF-kn-kn) {]mhÀ¯n-I-am-¡m-hp¶ {]kn-²o-I-c-W-§fpw \n§Ä AwKo-I-

cn-¡p-¶-hbpw hmbv]m ]{Xn-I, Pma-yw, tiJ-cWw F¶n-h-sbsbÃmw \nb-{´n-¡p-¶p.

_n. \n§-fpsS [\-Im-cy _m[-y-X-IÄ¡v R§Ä Hcp Pma-y-¡m-c-\mbn \ne-sImÅmw.

kn. Ib-äp-aXn hn -̧\-¨o-«p-IÄ, B`-y-´c Zqc-tZi hym-]m-cw, tkh\ hn¸-\-¨o-«p-IÄ

F¶nh tiJ-cn-¡p-hm³ R§Ä \n§sf klm-bn-¡mw.

5.7. C³j-z-d³kv

F. GsX-¦nepw C³j-z-d³kv I¼-\n-bpsS CS-\n-e-¡m-c³ F¶ \ne-bn R§Ä GsX-

¦nepw hn[-apÅ C³j-z-d³kv hmKvZm\w \ÂIp-I-bm-sW-¦n AXv R§Ä \n§sf Adn-

bn-¡pw.

_n. C³j-z-d³kv DXv]-¶-§Ä D]-tbm-K-s¸-Sp-¯p-¶-Xn\v \n§-fpsS tcJm-aq-e-apÅ A\p-

aXn R§Ä¡v Ds−¶v R§Ä Dd-¸p-h-cp-¯pw.

kn. \n§Ä FSp¯ hmbv]-bv¡pÅ Pma-y-§Ä R§-fpsS ssIh-i-ap-s−-¦n R§Ä

GsX-¦nepw {]tX-yI ZmXm-hn \n¶v C³j-z-d³kv ]cn-c£ kzo-I-cn-¡m³ \nÀ_-Ôn-¡n-Ã.

5.8 km¼-¯nI _p²n-ap-«p-IÄ

R§Ä¡v F§s\ klm-bn-¡m-\mIpw

5.8.1 R§Ä km¼-̄ nI _p²n-ap-«nsâ kwK-Xn-IÄ A\p-`m-h-]qÀhhpw A\p-I-¼-tbm-sS-

bpw ]cn-K-Wn-¡pw. km[m-c-W-bmbn \n§fmbn-cn¡pw BZyw {]iv\-§Ä Xncn-¨-dn-bp-¶Xv.

AXv Ign-bp-¶Xpw thKw R§sf Adn-bn-¡-Ww. R§fmWv {]iv\-§-sf-¡p-dn¨v Adn-bp¶

]£w, R§Ä \n§sf FgpXn Adn-bn-¡pw. thK-Xbv¡v {]m[m-\-y-ap-s−¶p ImWp-I-bm-

sW-¦nÂ, R§Ä t^mWntem, ^mIvkv, Csa-bn F¶nh hgntbm \n§sf _Ô-s¸-Spw.

5.8.2 {]tX-y-In¨pw F´mWv kw`-hn-¡p-¶-sX¶v \n§Ä R§tfmSv hni-Z-am-¡m-Xn-cn-¡p¶

]£w, R§sf kw_-Ôn-¨p-ÅXv F´m-sW¶v Cu ]«nIbneqsS Ipsd DZm-l-c-W-§Ä

\ÂImw.

F. hym-h-km-bnI DXv]m-Z\w XpS-§p-¶-Xn Xmakw t\cn-Sp-Ibpw A[n-I-s¨-ehv apX-em-

bh D−m-hp-Ibpw sNbvXmÂ

_n. IS-¸{X IW-¡p-hn-h-cw, ]pXp-¡Â hnh-c-§Ä apX-embh- kma-bn-I-ambn kaÀ¸n-¡p-¶-

Xn {Iam-Xo-X-amb Xmakw D−m-Ip¶ ]£w,

Page 22: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kn. \n§-fpsS Imjv s{IUnänÂ/Id−v A¡u−n sN¡p-IÄ aS-§p-¶-Xnsâ [mcmfw

kw`-h-§-fp-−m-Ip¶ ]£w

Un. \n§Ä \n§-Ä¡p k½-X-amb A\p-h-Z-\ob ]cn-[n-IÄ BhÀ¯n¨v adn-I-S-¡p

s¶¦nÂ

C. \n§-fn \n¶pw icn-bmb hni-Zo-I-c-W-an-ÃmsX henb hÀ²-\-Itfm Ipd-hp-Itfm

\n§-fpsS hym-]mc sam¯-hnÂ]-\-bn D−m-Ip¶ ]£w

F^v. Abp-àn-I-amw-hn[w \o− Hcp Ime-b-f-hn-te¡v tPmen \nÀ¯n-h-bv¡Â/ X¡me

\nÀ¯n-h-bv¡Â D−m-Ip-sa¦nÂ

Pn. \n§Ä \jvSw hcp-¯n-h-bv¡p-Ibm-sW-¦nÂ

F¨v. Hcp hym-]mc ]¦m-fn-sbtbm klØm]-I-s\tbm, {][m-\-s¸« Hcp CS-]m-Sp-Im-c-

s\tbm sXmgn-em-fn-sbtbm \n§Ä¡v s]s«¶v \jvS-s¸-Sps¶¦nÂ

sF. \n§fpsS hym-]m-c-¯nsâ hen-sbmcp `mKw \n§Ä hn¡p-I-bm-sW-¦nÂ

sP. \n§Ä R§-tfmSv k½-Xn¨ e£-y-§-f-Ãm-̄ -h-bv¡mbn \n§-fpsS hmbv]m kuI-

cyw/kuI-c-y-§Ä D]-tbm-Kn-¡p-I-tbm, hym-]m-cm-h-i-y-̄ n-\m-bpÅ XpI-IÄ aäv Bh-i-y-

§Ä¡mbn hgn-Xn-cn-¡p-Itbm sN¿p¶ ]£w

sI. \n§Ä \nÀ±njvS CS-th-f-I-fn ]eni kÀhokv sN¿m-Xn-cn-¡p¶ ]£w

FÂ. k½-Xn¨ hmbv]m Xncn-¨-Shv ]«n-I-bv¡-\p-k-cn¨v \o§p¶ Imc-y-¯n \n§Ä ]cm-P-

b-s¸-«mÂ

Fw. \n§-fpsS CS-]m-Sp-ImcpsS t]cn \n§Ä FSp-¡p¶ _nÃp-IÄ XpSÀ¨-bmbn ]W-an-

ÃmsX aS-§p-t¼mÄ

F³. km[-\-§Ä F¯n-¡p-¶-hÀ \n§fpsS t]cn FSp-¡p¶ _nÃp-Isf \n§Ä

BhÀ¯n¨v kzoIcn¡m-Xn-cn-¡p¶ ]£w

H. \n§-fpsS t]cn R§Ä ]pd-s¸-Sp-hn¨ Pma-y-§sf D]-tbm-Kn-¡p¶ ka-b¯v \n§Ä

Ah kzoIcn¡m-Xn-cn-¡p-I-bm-sW-¦nÂ

Page 23: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

]n. \n§-fpsS ]pkvXI IS-§fpsS/IS-¡mcpsS hen¸w \n§-fpsS A¡u-−nse {Ib-hn-{I-

b-¯n\v ka-RvP-k-ambn hÀ²n-¡m-Xn-cn-¡p-t¼mÄ

Iyp. FÃm hnÂ]-\-Ifpw \n§-fpsS A¡u-−n-eqsS am{Xw AÃmsX \S-¸m-¡p-t¼mÄ

BÀ. hmbv]m Icm-dn Dd-¸n¨ hy-h-Ø-IÄ \n§Ä ]men-¡m-Xn-cn-¡p¶ ]£w

Fkv. \n§Ä k½-Xn¨ hnh-c-§Ä ka-b-̄ n\v e`-y-am-¡m-Xn-cn-¡pIbm-sW-¦nÂ

än. \n§-fpsS hym-]m-c-¯n-s\-Xn-cmbn asämcp hmbv]m-Im-c³ AS-¨p-]q-«Â At]£-

\ÂIpItbm asä-s´-¦nepw \nb-a-]-c-amb \S-]-Sntbm FSp-¡p¶ ]£w

5.8.3 \n§-fpsS _p²n-ap-«p-IÄ adn-I-S-¡m-\mbn R§-fm Ign-bp¶ FÃm klm-bhpw

R§Ä sN¿pw. \n§-fpsS kPo-h-amb kl-I-c-W-t¯msS R§Ä \n§-fpsS km¼-¯nI

_p²n-ap-«p-IÄ ssIIm-cyw sN¿m-\pÅ Hcp ]²Xn X¿m-dm-¡pw. am{X-a-Ã, R§Ä F´mWv

AwKo-I-cn-¨-sX¶ Imcyw \n§sf FgpXn Adn-bn-¡p-Ibpw sN¿pw.

5.8.4 \n§Ä¡v hmbv]m Iu¬k-enMv tkh-\-§Ä e -̀y-am-¡p-¶-Xn\v ]cn-{i-an-¡p-¶-Xn-eqsS,

\n§Ä¡v \n§-fpsS km¼-¯nI {]iv\-§Ä ssIIm-cyw sN¿m³ R§Ä Hcp klm-b-am-

Ipw.

5.8.5 F. \n§Ä _p²n-ap-«n-em-sW-¦nÂ, \n§Ä R§-tfmSv Bh-i-y-s¸-Sp¶ ]£w, R§Ä

\n§-fpsS D]-tZ-i-Itcm-sSm¸w {]hÀ¯n-¡pw. \n§Ä D¯a hni-zm-k-t¯m-sS- {]hÀ¯n-

¡p-¶Xpw, kw`-h-hn-Im-k-§Ä R§sf Adn-bn-¡p-¶Xpw, R§-tfm-SpÅ Icm-dn Dd¨p

\n¡p-¶Xpw, bYmImew Xs¶ Bh-i-y-amb amä-§Ä hcp-¯p-hm³ {ian-¡p-¶Xpw, hfsc

{][m-\-s¸« Imc-y-am-Wv.

_n. \n§-fpsS {]iv\-§Ä a\-Ên-em-¡p-hm-\mbn \n§-tfm-sSm-¶n¨v {]hÀ¯n-¡p-¶Xn\v

klm-b-I-am-tb¡m-sa-¶-Xn-\m R§-sfm-cp-]t£ \n§-tfmSv IqSp-X km¼-¯nI hnh-c-

§Ä/IS-̧ m-Sp-IÄ tNmZn-t -̈¡mw.

5.9 ]oUnX FwF-kv-C-Isf ]cn-Ncn-¡epw sU_näv ]p\x\nÀam-Whpw

\n§Ä IS-sa-Sp¯ XpI Bdp-am-k-¯n-e-[nIw XmW-\n-e-hm-c-̄ n XpSÀ¶mepw, AsÃ-

¦n R§-fpsS _m¦nsâ \b-§Ä A\p-k-cn¨v \n§-fpsS bqWnäns\ ]oUn-X-sa¶v IW-

¡m-¡n-bmepw R§Ä \n§Ä-¡m-bn Hcp ]cn-N-cn-¡Â/sU_näv ]p\x-\nÀamW ]cn-]mSn

]cn-K-Wn¡pw.

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]p\-c-[n-hm-k-¯n\pÅ/sU_näv ]p\x\nÀam-W-¯n\mbp-ff \n§-fpsS At]£ ]cn-tim-[n-

¡p-¶-Xn\v R§Ä

F. \n§Ä {]tbmK-£-a-amtWm/{]-_eamw-hn[w {]tbmK-£-a-amtWm F¶Xv BZyw ]cn-

tim-[n¡pw

_n. \n§Ä {]tbmK-£-a-amsW¶v/{]-_eamw-hn[w {]tbmK-£-a-amsW¶v Is−-¯n-¡-gn-

ªm \n§-fpsS ]p\cp-²m-cW¯n\mbn Xncp-¯Â \S-]Sn¡v XpS¡w Ipdn-¡pw.

kn. \n§fpsS bqWnäv {]-_eamwhn[w {]tbmK-£-a-hpw Iq«p-sI-«n\v/H¶n-e-[nIw _m¦nMv

{Iao-I-cW¯n\p Iogn-epam-Ip¶ ]£w, AXp-t]mse R§Ä¡v ]c-am-h[n _m¡n-bmb

sjbÀ Ds−¦nÂ, ]p\x-\nÀamW ]²-Xn¡v cq]w-sIm-Sp-¡pw.

Un. BÀ_nsF hy-h-Ø-IÄ¡-\p-k-cn-̈ v \n§-fpsS ]¦v DÄs¸-sS-bpÅ Hcp ]p\-c-[n-hmk

]²Xn¡v cq]w sImSp-¡p-Ibpw AXv \n§-fpsS At]£ In«n ]c-am-h[n 60 Znh-k-

§Ä¡p-Ån \S-¸m-¡p-Ibpw sN¿pw.

]p\-c-[n-hmk ]²Xn hnP-bn-¡p-sa¶v R§Ä Icp-Xm¯ ]£w, AXn-\pÅ Imc-W-§Ä

R§Ä hni-Zo-I-cn-¡p-Ibpw \n§-sfbpw \n§-fpsS D]-tZ-i-I-s\bpw aäp amÀK-§Ä

tXSm³ klm-bn-¡p-Ibpw sN¿pw.

R§Ä¡v Hcp tbmPn-¸n F¯n-t¨-cm-\m-Im¯]£w R§Ä¡v ]n´pW \ÂIm³

F´p-sIm−v Ign-bnà F¶-Xnsâ Imc-W-§Ä \n§tfmSv hy-à-am-¡p-Ibpw R§-fpsS

]n´pW Ft¸mÄ ]n³h-en-¡p-sa¶ Imcyw \n§sf Adn-bn-¡p-Ibpw sN¿pw.

5.9.1 IpSn-Èn-I-IÄ XoÀ¸m-¡Â

F. FÃm IpSn-Èn-I-fp-sSbpw Xncn-¨-S-hn-\mbn Hcp Hä-̄ -hW XoÀ¸m-¡Â (H-än-F-kv)

R§Ä \n§Ä¡v hmKvZm\w sN¿p¶]£w, B hmKvZm-\-¯nsâ hni-Zmw-i-§Ä R§Ä

\n§tfmSv hnh-cn-¡pw.

_n. \n§Ä¡v hmKvZm\w sNbvXn-cn-¡p¶ Hän-F-knsâ hy-h-Ø-Ifpw \n_-Ô-\-Ifpw

R§Ä \n§sf FgpXn Adn-bn-¡pw.

kn. Hän-Fkv \nÀt±iw \n§Ä k½-Xn-¡p¶ ]£w, s{IUnäv C³^Àta-j³ I¼-\n-IÄ

(kn-sF-kn-IÄ) ]cn-]m-en-¡p¶ \n§-fpsS hmbv]m Ncn-{X-¯n-t·Â A¯cw Hcp H¯p-

XoÀ¸v D−m-¡n-tb-¡m-hp¶ hnh-£-I-sf-s´-Ãm-sa¶v R§Ä hni-Zo-I-cn-¡pw.

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6. IpSn-ÈnI ]ncn-¡epw Pma-y-¯nsâ ]p\ÀssIh-im-h-Imi \bhpw

6.1 IpSn-ÈnI ]ncn-¡Â

F. R§Ä hmbv] \ÂIp-t¼mÄ XpI, Imem-h[n, Xncn-¨-S-¡Â XhW F¶nh DÄs¸sS

AS-bv¡Â {]{In-bsb kw_-Ôn¨v R§Ä hni-Z-ambn ]d-ªp-X-cpw. F¶mÂ, XncnsI

AS-bv¡p-¶-Xn-\pÅ ka-b-{Iaw \n§Ä ]men-¡m-Xn-cp-¶mÂ, IpSn-ÈnI ]ncn-s¨-Sp-¡p-¶-Xn\v

cmP-ys¯ \nb-a-§Ä A\p-k-cn¨v hy-à-amb Hcp \S-]-Sn-{Iaw kzo-I-cn-¡p-¶-Xm-Wv.

_n. t\m«okv Ab¨v \n§sf HmÀan-¸n-¡p-I, \n§sf t\cn«p h¶p ImWp-I, H¸w/ AsÃ-

¦n GsX-¦nepw Pma-y-hkvXp Ds−¶]£w AXv XncnsI ssIh-i-s¸-Sp-¯pI F¶nh

Cu \S-]-Sn-{I-a-¯n DÄs¸-Spw.

kn. hogvN hcp-¯p¶ Imc-y-§-fnÂ, R§Ä B Imcyw dn¡-hdn GPân\v ssIam-dpw. dn¡-

hdn \S-]-Sn-{I-a-§Ä Bcw-`n¨ hnhcw \n§sf R§Ä Adn-bn-¡pw.

Un. dn¡-hdn \S-]-Sn-IÄ XpS-§p¶ thf-bn \n§Ä¡v C¡m-c-y-s¯-¡p-dn¨v Hcp ]cmXn

\ÂIm-\p-s−-¦n R§-fpsS slÂ]v sse³ \¼-dn _Ô-s¸-Sm-hp-¶-Xm-sW¶

Imcyhpw R§Ä \n§sf Adn-bn-¡pw.

C. R§-fpsS dn¡-hdn GPâp-am-cpsS tami-amb \S-]-Sn-I-sf-¡p-dn-¨pÅ \n§-fpsS ]cm-Xn-

Ifnt·Â R§Ä At\-z-jWw \S¯pw. _m¦nsâ {]Xn-\n[n/dn¡-hdn GPâv A\p-tbm-P-y-

a-Ãm¯ {]hÀ¯-\-̄ n-teÀs¸-s«t¶m AsÃ-¦n \nb-am-h-en¡v hncp-²-ambn {]hÀ¯n-¨p-

sht¶m \n§-fn \n¶v ]cmXn e`n-¡p¶ ]£w, R§Ä A¡m-cyw At\-z-jn-¡p-Ibpw

]cmXn e`n¨v 30 {]hr¯n Zn\-§Ä¡Iw Is−-¯-ep-IÄ \n§sf Adn-bn-¡p-Ibpw \ym-b-

sa¶p ImWp¶ ]£w \n§Ä¡p-−m-tb¡m-hp¶ \jvS-§Ä¡v \jvS-]-cn-lmcw \ÂIp-

Ibpw sN¿pw.

6.2. IpSn-ÈnI ]ncn¡p-¶-Xnepw Pmayw XncnsI ssIh-i-am-¡enep-apÅ

\bw

F. \à s]cp-amäw, ac-ym-Z, A\p-\-bn-¸n-¡Â F¶n-h-bn A[n-jvTn-X-amWv R§-fpsS ]ncn-

s¨-Sp-¡Â \bw. CS-]m-Sp-Im-csâ Bß-hn-i-zm-khpw ZoÀL-Ime_Ôhpw t]män-h-fÀ¯p-¶-

Xn R§Ä hni-z-kn-¡p-¶p. R§-fpsS \b-¯nsâ `mK-ambn þ

i) IpSn-Èn-I-bp-ambn _Ô-s¸« FÃm hnh-c-§fpw R§Ä \n§Ä¡v e`-y-am-¡p-

Ibpw IpSn-ÈnI AS-bv¡p-hm-\mbn Bh-i-y-¯n\v Adn-bn¸v \ÂIp-¶-Xn\v DZ-y-an-¡p-

Ibpw sN¿pw.

Page 26: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

ii) \n§Äs¡-Xnsc dn¡-hdn \S-]-Sn-IÄ kzo-I-cn-¡p-¶-Xn\p ap³]v R§Ä

\n§Ä¡v Fgp-Xp-¶-Xm-Wv.

iii) R§Ä GÀs¸-Sp-¯nb hmbv] hos−-Sp-¡Â GP³kn Øm]-\-§-fpsS/ I¼-

\n-I-fpsS hni-Zmw-i-§Ä R§-fpsS sh_vssk-än {]kn-²-s¸-Sp-¯p-¶-Xm-Wv.

iv) At]-£n-¡p¶]£w, hmbv] hos−-Sp-¡Â GP³kn Øm]-\-§-fpsS/ I¼-\n-

I-fpsS hni-Zmw-i-§Ä R§-fpsS imJm-X-e-¯nepw e`-y-am--¡p-¶-Xm-Wv.

v) XpI-IÄ ]ncn-s¨-Sp-¡p-¶-Xn\v AsÃ-¦nÂ/H¸w Pma-y-hkvXp Xncn-¨p-]n-Sn-¡p-¶-

Xn\v R§sf {]Xn-\n-[m\w sN¿p-hm³ A[n-Im-c-s¸-Sp-¯-s¸« R§-fpsS Poh-\-

¡m-ct\m/Poh-\-¡m-cntbm GsX-¦nepw Btfm, Xs¶ Xncn-¨-dn-bp-hm-\pÅ hnh-c-

§Ä [cn-¨n-«p-−m-hp-I-bpw, _m¦v AsÃ-¦n _m¦nsâ A[n-Im-c-¯n \ÂIn-bn-

«pÅ Xncn-¨-dn-b ImÀUpw I¯pw, \n§Ä Bh-i-y-s¸-Sp¶ ]£w, AhÀ \n§sf

ImWn-¡p-Ibpw t_m[-y-s¸-Sp-¯p-Ibpw sN¿pw.

vi) hogvN-h-cp-¯nb kwKXn ]ncnhp kwL-§Ä¡v ssIam-dp-¶-Xn\p ap³]v ]cn-tim-

[-\-IÄ¡pÅ Hcp kwhn-[m\w R§Ä¡p−v F¶-Xn-\m Xs¶ R§-fpsS `mK-

¯p-\n-¶pÅ hogvN-IÄ ImcWw \n§sf _p²n-ap-«n-¡p-I-bn-Ã.

_n. hmbv] XpI ]ncn-s¨-Sp-¡p-¶-Xn\v AsÃ-¦nÂ/H¸w Pma-y-hkvXp Xncn-¨p-]n-Sn-¡p-¶-Xn\v

R§sf {]Xn-\n-[m\w sN¿p-hm³ A[n-Im-c-s¸-Sp-¯-s¸« R§-fpsS Poh-\-¡m-cn-tem-tcm-cp-

¯cpw AsÃ-¦n atä-sXm-cmfpw Xmsg hnh-cn-¨n-cn-¡p¶ amÀK-\nÀt±-i-§Ä ]men¡pw:

i) \n§-fp-ambn _Ô-s¸-Sp-¶Xv km[m-c-W-K-Xn-bn \n§Ä Xnc-sª-Sp-¡p¶

Øe-¯p-h-t¨m, A§s\ \nÀ±n-jvS-amb Hcp Øe-an-sÃ-¦n \n§Ä Xma-kn-¡p¶

Øe-¯p-h-t¨m, Xma-k-Ø-e¯v \n§sf ImWm-sX- h-¶m hym-]mcw/ sXmgnÂ

sN¿p¶ Øe-¯p-ht¨m Bbn-cn-¡pw.

ii) Xncn-¨-dn-bm-\pÅ hnh-c-§fpw {]Xn-\n-[m\w sN¿p-¶-Xn-\pÅ A[n-Im-cs¯

kw_-Ôn¨pw \n§sf BZyta Xs¶ Adn-bn-¡pw.

iii) \n§-fpsS kz-Im-c-y-Xbpw A´kpw BZ-cn-¡-s¸Spw.

iv) \n§-fp-ambn CS-s]-Sp-¶Xv am\-y-amb coXn-bn Bbn-cn¡pw.

Page 27: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

v) \n§-fpsS _nkn-\-Êp-amtbm sXmgn-ep-amtbm _Ô-s¸«v Bh-i-y-ambn hcp¶

{]tX-yI kml-N-c-y-§-fn-sem-gnsI R§-fpsS {]Xn-\n[n \n§-fp-ambn km[m-cW

_Ô-s¸-Sp-¶Xv c-mhnse 7 aWn¡qw sshIqt¶cw 7 aWn¡pw CS-bv¡m-bn-cn-¡pw.

vi) Hcp {]tX-yI ka-bt¯m Hcp {]tX-yI Øet¯m hnfn-¡p-¶Xv Hgn-hm-¡-W-

sa¶ \n§-fpsS At]-£-IÄ Ign-bp-¶{X am\n-¡-s¸-Sp-¶-Xm-Wv.

vii) GXp ka-b-s¯m-s¡bmbn F{X XhW hnfn-¡p-¶p-sh-¶Xpw kw`m-j-W-

¯nse DÅ-S-¡hpw tcJ-s¸-Sp-¯p-¶-Xm-Wv.

viii) ]ncn-s¨-Sp-¡m-\pÅ XpI-Isf kw_-Ôn¨ XÀ¡-§Ä AsÃ-¦n A`n-{]mb hy-

X-ym-k-§Ä ]c-kv]cw kzo-Im-c-yhpw {Ia-{]-Im-chpw Bb coXn-bn ]cn-l-cn-¡p-¶-

Xn\v FÃm klm-bhpw \ÂIp-¶-Xm-Wv.

ix) IpSn-Èn-I-IÄ ]ncn-s¨-Sp-¡p-¶-Xn\v \n§-fpsS Øew kµÀin-¡p¶ ka-b¯v

A´kpw am\-y-Xbpw ]men-¡p-¶-Xm-Wv.

x) IpSpw-_-¯n ac-Wtam aäv Fs´-¦nepw Zpc-´-§tfm kw`-hn-¨n-cn-¡p¶ A\p-Nn-

X-amb kµÀ`-§-fn XpI ]ncn-s¨-Sp-¡p-¶-Xn-\pÅ hnfn-IÄ/kµÀi-\-§Ä Hgn-hm-

¡p-¶-XmWv

kn. \nb-a-hp-ambn ka-RvP-k-s¸-Sp¶ coXn-bn Pmayw XncnsI ssIh-i-am-¡Â \bw

R§Ä ]n´p-S-cpw. \b-¯nsâ ]IÀ¸v sh_vssk-än {]ZÀin-¸n-¡p-Ibpw A -̀yÀYn-¡p¶

apdbv¡v e -̀y-am-¡p-Ibpw sN¿pw.

7. \nt£] A¡u-−p-IÄ

F. Id−v A¡u-−p-IÄ, XhW \nt£-]-§Ä XpS§n hnhn[Xcw A¡u-−p-IÄ

\n§Ä¡v XpS-§m-hp-¶-Xm-Wv.

_n. apI-fn ]d-ªh A\p-h-Z-\o-b-amb CS-§-fn \ma-\nÀt±i kuI-c-y-t¯m-sS

\n§Ä¡v XpS-§m-hp-¶-Xm-Wv.

kn. ap³]p ]dª A¡u-−p-I-fp-sSbpw AXp-t]mse \ma-\nÀt±i kuI-c-y-§-fp-sS bpw

^e-km-[-y-X-IÄ \n§Ä A¡u−v XpS-§p-t¼mÄ R§Ä hni-Z-am-¡p-¶-Xm-Wv.

Page 28: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

Un. enI-znUv \nt£] ]²-Xn-sbbpw kzo]v A¡u-−n-s\bpw R§-fpsS kam-\-amb aäv

DXv]-¶-§-sfbpw Ah-bpsS hnh-£-I-sfbpw \S-]-Sn-{I-a-§-sfbpw Ipdn¨v \n§sf

_m[Iamb/]cn-K-Wn-¡m-hp¶ ka-b¯v Adn-bn-¡pw.

7.1 A¡u−v Xpd-¡epw \nt£] A¡u-−p-I-fpsS {]hÀ¯-\hpw

\nt£] A¡u−v Xpd-¡p-¶-Xn\p ap³]v R§Ä:

F. _m¦nsâ "CS-]m-Sp-Im-cs\/CS-]m-Sp-Imcnsb Adn-bpI' (sI.-ssh.-kn.) F¶-Xn³ Io-

gnse amÀK-\nÀt±-i-§Ä A\p-k-cn¨v th− ipjvIm´n Im«pw.

_n. AXn-\m-h-i-y-amb tcJ-Itfm sXfn-hp-Itfm e -̀y-am--¡p-hm³ \n§-tfmSv Bh-i-y-s¸-Spw.

kn. \n§-fpsS sI.-ssh.-kn., IÅ-¸Ww -XS-btem AXp-t]m-epÅ atä-sX-¦nepw \nb-am-\p-

krX Bh-i-y-I-X-IÄ \nd-th-äp-¶-Xn-tet¡m th− hnh-c-§Ä am{Xta k¼m-Zn-¡p-I-bp-Åq.

Fs´-¦nepw A[n-I-hn-hcw Bh-i-y-s¸-Sp¶ ]£w AXv {]tX-yIw Bh-i-y-s¸-Sp-¶Xpw

A¯cw A[n-I-hn-hcw Bh-i-y-s¸-Sp-¶-Xnsâ Dt±-iyw hy-à-am-¡p-¶-Xp-am-Wv. A¯cw

hnh-c-§Ä \ÂIp-¶Xv kz-ta-[bm Bbn-cn-¡pw.

Un. A¡u−v Xpd-¡p-¶-Xn-\m-h-i-y-amb t^mdhpw aäpw \n§Ä¡v e -̀y-am-¡pw. AXv ]cn-

tim-[-\-bv¡mbn, H¸w/AsÃ-¦n sI.ssh.kn.bpsS Bh-i-y-§Ä Xr]vXn-s¸-Sp-¯p-¶-Xn-te-

¡mbn kaÀ¸n-t¡− Ah-iyw th−n-h-cp¶ hnh-c-§-fp-sSbpw kaÀ¸n-t¡− tcJ-I-fp-

sSbpw hni-Zmw-i-§Ä DÄs¡m-−n-cn¡pw.

C. \n§Ä \nt£] A¡u−v XpS-§p-t¼mÄ, ]men-t¡− \S-]-Sn-{I-a-§Ä hni-Z-am-¡p-

Ibpw \n§Ä D¶-bn-¡p-¶-hbv¡v Bh-i-y-amb hni-Zo-I-cWw \ÂIp-¶-Xp-am-Wv.

F^v. \n§Ä D]-tbm-Kn-¡p¶ \nt£] kuI-c-y-¯ns\ \nb-{´n-¡p¶, "Gähpw {][m-\-

s¸« hy-h-Ø-Ifpw \n_-Ô-\-Ifpw' (Fw-sF-än-kn) \n§Ä¡v \ÂIpw.

Pn. A¡u−v XpS-§p¶ ka-b-¯v, Unt¸m-knäv C³jp-d³kv B³Uv s{IUnäv Kmcân

tImÀ]-td-j³ Hm v̂ C³Uy (Un-sF-kn-Pn-kn) \nP-s¸-Sp-¯n-bn-«pÅ Nne ]cn-an-Xn-IÄ¡pw

\n_-Ô-\-IÄ¡pw hnt[-b-am-bn, C³jp-d³kv kvIow {]Imcw \ne-hn-epÅ C³jp-d³kv

kwc-£-W-¯nsâ hniZhnh-c-§Ä \n§Ä¡v e`-y-am-¡pw.

7.2 \n§-fpsS A¡u−v amäÂ

F. \n§-fpsS Idâv A¡u−v \nÀ¯p-hm³ \n§Ä Xocp-am-\n-¨mÂ, \n§-fpsS \nÀ t±iw

ssI¸än aq¶v {]hr¯n Znh-k-§Ä¡p-Ån A¡u−v \nÀ¯-em-¡p-¶-Xm-Wv.

Page 29: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

_n. \n§-fpsS A¡u−v R§-fpsS _m¦nsâ asämcp imJ-bn-te¡v amä-W-sa-¶p-s−-

¦nÂ, A{]-Imcw sNbvXp Xcpw. \n§-fpsS At]£ ssI¸än HcmgvN-bv¡p-Ån ]pXnb

imJ-bn Bh-i-y-amb sI.-ssh.-kn. \S-]-Sn-{I-a-§Ä \n§Ä ]qÀ¯n-bm-¡p-¶-Xn-\-\p-k-cn¨v

]pXnb imJ-bnse \n§-fpsS A¡u−v {]hÀ¯-\-£-a-am-Ipw. A¡u−v \ne-hn h¶m-

ep-Ss\ \n§sf A¡m-c-y-a-dn-bn-¡pw. \n§-fpsS Ønc \nÀt±-i-§sf/t\cn-«pÅ EW-_m-[-y-

X-sb-¡p-dn-¨pÅ, A§s\ DÅ-]-£w, hnhcw ]pXnb imJ \n§sf Adn-bn¡pw.

kn. \n§-fpsS imJ-I-fn \nt¶m imJ-I-fn-tet¡m Idâv A¡u−v amäp-t¼mÄ, R§Ä

hcp-¯p¶ sXtäm A\m-h-i-y-amb Ime-X-am-ktam Imc-Ww, \n§Ä AS-bvt¡−n hcp¶

_m¦v NmÀPp-IÄ R§Ä d±m-¡p¶XmWv/XncnsI \ÂIp-¶-Xm-Wv.

7.3 Hcp \nt£] A¡u−v \n§Ä XpS-§p-t¼mÄ:

R§Ä

F. \nÝnX Ime-b-f-hn\p-Ån kuP-\-y-ambn \n§Ä¡v \S-¯m-hp¶ CS-]m-Sp-IÄ, ]Ww

]n³h-en-¡Â apX-em-h-bpsS F®w R§Ä \n§sf Adn-bn-¡pw.

_n. B ]cn[n IS-¶mÂ, Npa-¯m-hp¶ NmÀPp-I-sf-¸än \n§sf Adn-bn-¡pw. NmÀPp-I-fpsS

hni-Z-hn-h-c-§Ä Xmcn v̂ sjU-yq-fn DÄs¸-Sp-¯pw.

kn. \n§-fpsS \nt£-]-§Ä¡v \ÂIp¶ ]en-i-bpsS \nc-¡v, AXv IW-¡m-¡p¶ coXn,

AXnsâ ka-b-{Iaw F¶nh \n§sf Adn-bn-¡pw.

7.4 Gähpw Ipdª \o¡n-_m¡n

tkhnMvkv _m¦v A¡u-−v, Id−v A¡u-−v, AsÃ-¦n aäv GsX-¦nepw Xc-¯n-epÅ

\nt£] A¡u−v F¶nh t]mse-bpÅ \nt£] DXv]-¶-§-fpsS Imc-y-¯n R§Ä

\n§sf Adn-bn¡pw:

F. A¯cw A¡u-−p-I-fpsS {]hÀ¯-\-̄ n\p _m[-I-amb \n_-Ô-\-I-fp-sSbpw hy-h-

Ø-I-fp-sSbpw `mK-ambn \ne-\nÀt¯− Gähpw Ipdª \o¡n-_m-¡nsb kw_-Ôn-¨v.

_n. A¡u-−n Gähpw Ipdª \o¡n-_m¡n \ne-\nÀ¯p-¶-Xn hogvN hcp-¯n-bmÂ

Npa-¯p¶ sNe-hp-I-sf-̧ -än. sNe-hp-I-fpsS hni-Z-hn-h-c-§Ä Np¦-¸-«n-I-bn DÄs¸-Sp-¯n-bn-

«p-−m-Ipw.

Page 30: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kn. Gähpw Ipdª \o¡n-_m¡n \ne-\nÀ¯p-¶-Xn Fs´-¦nepw amä-ap-s−-¦n AXv 30

Znhkw apt¶-Xs¶ \n§sf Adn-bn¡pw Cu t\m«okv Imem-h-[n-bnÂ, ]pXp-¡nb DbÀ¶

\o¡n-_m-¡n-¯pI \ne-\nÀ¯m-¯-Xn\v R§Ä NmÀPp Npa-¯p-¶-X-Ã.

7.5 NmÀPp-IÄ

sN¡v _p¡v hnX-c-Ww, A[n-I-amb/]IÀ¸mb A¡u−v hnh-c-Ww, ]mkv_p-¡nsâ

]IÀ¸v, ]Ww \ÂInb sN¡p-I-fpsS ]IÀ¸p-IÄ, t^mfntbm \nc-¡p-IÄ, sU_näv

ImÀUv, FänFw ImÀUv, H¸nsâ Ønco-I-c-Ww, th−{X _me³kv CÃm-¯-Xn-\m aS-

§p¶ sN¡v, \nÀt±-i-¯ntem A¡u−v coXn-bntem hcp-¯p¶ amäw, ]Ww \ÂIp-¶Xv

\nÀ¯n-h-bv¡Â, AXn-\m-bpÅ \ne-\n¡p¶ \nÀt±-i-§Ä/d±m-¡-ep-IÄ apX-em-b-h-

bv¡pÅ \nÀ±n-jvS-amb \nc-¡p-IÄ R§-fpsS Np¦-¸-«n-I-bn DÄs¸-Sp-¯p¶-Xm-Wv.

7.6 XhW \nt£-]-§Ä

7.6.1 \nt£]w ]pXp-¡Â

F. Imem-h[n ]qÀ¯n-bm-bm \n§-fpsS \nt£-]-̄ n XoÀ¸p I¸n-¡p-¶-Xn-\pÅ

\nÀt±-i-§Ä At]-£m-t^m-d-¯n \n§-fn \n¶pw k¼m-Zn-¡pw.

_n. Imem-h[n ]qÀ¯n-bm-bm \n§-fpsS \nt£-]-̄ n XoÀ¸p I¸n-¡p-¶-Xn-\pÅ

\nÀt±-i-§Ä CÃm-¯-]-£w, Imem-h[n ]qÀ¯n-bm-Ip-hm³ t]mIp¶ hnhcw I¯v/Csa-

bnÂ/Fkv-Fw-Fkv aptJ\ \n§sf R§Ä t\ct¯ Adn-bn-¡pw.

kn. \nt£]w ]pXp-¡p-I-bm-sW-¦n _m[-I-amb ]en-i-\n-c-¡p-I-sf-¡p-dn¨pw \n§sf

Adn-bn-¡pw.

7.6.2 Imem-h[n ]qÀ¯n-bm-Ip-¶-Xn\p ap³]v XhW \nt£]w ]n³h-en-¡Â

R§Ä

F. Imem-h[n ]qÀ¯n-bm-Ip-¶-Xn\p ap³]v XhW \nt£]w ]n³h-en-¡p¶Xn\pÅ \S-]-Sn-

{I-a-§-sf-¸än \n§sf Adn-bn¡pw

_n. Imem-h[n ]qÀ¯n-bm-Ip-¶-Xn\p ap³]v XhW \nt£]w ]n³h-en-¨mepÅ ]eni

\nc¡p \b-s¯-¡p-dn¨v \n§sf Adn-bn¡pw

7.6.3 A[nI IpSn-ÈnI XhW \nt£-]-§-fpsS ]pXp-¡Â

Imem-h[n ]qÀ¯n-bm¡p¶ Xob-Xn¡p tijw \n§Ä \nt£-]-§Ä ]pXp-¡p-I-bm-sW-

¦n _m[-I-amb ]en-i-\n-c-¡p-I-sf-¡p-dn¨v \n§-tfmSv ]d-ªp-X-cpw.

Page 31: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

7.6.4. \nt£-]-§fn-t·Â hmbv]-IÄ

XhW \nt£-]-§-fn-t·Â e`-y-amb hmbv]/HmhÀ{Um^väv kuI-c-y-§-sf-¸än R§Ä hni-

Zo-I-cn-¡pw.

7.7 A¡u−v -hn-h-c-§Ä

F. \n§-fpsS A¡u−v ssIIm-cyw sN¿p-¶-Xn\pw AXnse DÄs¸-Sp-¯-ep-IÄ ]cn-tim-[n-

¡p-¶-Xn\pw \n§sf klm-bn-¡p-hm-\mbn R§Ä, \n§-fpsS A¡u-−v CXn\v A\p-tbm-

P-y-a-à F¶ kml-N-cyw CÃm¯ ]£w (\n-§Ä¡v ]mkv_p¡v DÅ Hcp A¡u−v

t]mse), \n§Ä¡v Hcp {]Xn-amk IW-¡p-hn-hcw Ab-¨p-X-cpw. \n§Ä B{K-ln-¡p¶

]£w, A-¡u−v hnh-c-§Ä Cþ-sa-bn aptJ-\tbm kpc-£n-X-amb CâÀs\äv _m¦nMv

tkh\w hgn-tbm, A¯cw kuI-cyw R§Ä¡v Ds−-¦nÂ, Ab-¨p-X-cp-¶-Xm-Wv.

_n. \n§-fptSXp t-]mepÅ A¡u-−n\v km[m-cW e`-y-am-bXn IqSp-X XhW

A¡u−v hnh-c-§-Ä Hcp \nÝnX \nc¡v Npa¯n \ÂIp-hm³ \n§Ä¡v R§-tfmSv Bh-

i-y-s¸-Sm-hp-¶-Xm-Wv. Np¦¸«n-I-bn Cu \nc¡v kqNn-¸n-¨n-cn-¡pw.

kn. sXm«p ap¼pÅ Ipd¨v CS-]m-Sp-IÄ Iu−-dn¯s¶ \n§Ä¡v ImWm³ Ign-bpw.

IqSm-sX, Fän-F-½nepw CâÀs\-änepw t^m¬h-gnbpw samss_ _m¦nMv hgnbpw,

A¯cw kuI-c-y-§Ä R§Ä¡p FhnsSsbÃmapt−m AhnsSsbpw \n§Ä¡v ImWm³

Ign-bpw.

7.8 kPo-h-a-Ãm¯/{]hÀ¯-\-c-ln-X-amb A¡u-−p-IÄ

R§Ä

F. F{X Imew A¡u−v {]hÀ¯-\-c-ln-X-ambn XpSÀ¶memWv AXv kPo-h-a-Ãm

¯/{]hÀ¯\ cln-X-amb A¡u−v F¶ hn`m-K-¯n DÄs¸-Sp-¯p-sa¶v \n§Ä

A¡u−v XpS-§p-t¼mÄ Xs¶ R§Ä ]d-ªp-X-cpw. \n§-fpsS A¡u−v kPo-h-a-

Ãm¯/{]hÀ¯-\-c-ln-X-amb AYhm Ah-Im-i-s¸-Sm¯ A¡u-−mbn ]cn-K-Wn-¡-s¸-Sp-¶-

Xn\v aq¶p amkw ap³]v A¡m-c-yhpw AXnsâ ]cn-W-X-^-e-§fpw \n§sf Adn-bn-¡p-¶-

Xm-Wv.

_n. A¡u−v {]hÀ¯-\-£-a-am-¡m³ \n§Ä B{K-ln-¡p-I-bm-sW-¦n ]n´p-S-tc− \S-

]-Sn-{I-a-§-sf-¸än \n§-tfmSp ]d-bpw.

kn. {]hÀ¯\ cln-X-amb A¡u−v {]hÀ¯n-̧ n-¡p-hm³ \n§Ä¡v Hcp NmÀPpw Cu-Sm-

¡p-¶-X-Ã.

Page 32: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

7.9 \n§-fpsS A¡u−v Ah-km-\n-¸n-¡Â

km[m-cW kml-N-c-y-§-fnÂ, Ipd-ªXv 30 Znh-ks¯ ap¶-dn-bn¸v \ÂImsX \n§-fpsS

A¡u−v Ah-km-\n-¸n-¡p-¶-X-Ã. "km[m-cWw' AÃm¯ kml-N-c-y-§-fpsS DZm-l-c-W-§-

fn A¡u-−nsâ A\p-Nn-X-amb ssIIm-cyw sN¿Â apX-em-bh DÄs¸-Sp-¶p. A¯cw

kµÀ`-§-fnÂ, \n§Ä t\ct¯ Xs¶ FgpXn \ÂIn-bn-«pÅ sN¡p-IÄ¡v ]Ww \ÂIp-

hm³ aäv GÀ¸m-Sp-IÄ sNt¿-−-Xp-−v. am{X-a-Ã, B A¡u-−n \n¶v XpSÀ¶pw sN¡v

FgpXn \ÂIp-¶Xv Hgnhm¡-Ww.

7.10 ¢nb-dnMv ]cn-hr¯n/]ncn-¡Â tkh-\-§Ä

R§Ä:

F. AXmXv Øes¯ B[m-c-§-fp-sSbpw aäv Øes¯ B[m-c-§-fp-sSbpw ¢nb-dnMv ]cn-

hr-¯n-sb-¸-än, \nt£-]n¨p Ignªv Ft¸mÄ \n§Ä¡v ]Ww ]n³h-en-¡m-\mhpsa¶pw,

R§-fpsS sN¡v tiJ-cW \b -a-\p-k-cn¨v Ime-Xm-ak ]en-ibv¡v \n§Ä Ft¸mÄ

AÀlX t\Sp-sa¶pw DÅ hni-Z-hn-h-c-§Ä DÄs¸sS ]d-ªp-X-cpw.

_n. \n§Ä Bh-i-y-s¸-Sp-¶-Xp-hsc Im¯p\n¡m-sX, R§-fpsS sN¡v tiJ-cWw/

\jvS-]-cn-lmcw \ÂIÂ \b-a-\p-k-cn¨v B[m-c-ti-J-c-W-¯n-ep-−m-Ip¶ GsX-¦nepw hn[-

¯n-epÅ Xma-k-¯n\v \n§Ä¡v \jvS-]-cn-lmcw \ÂIpw.

kn. aäv Øes¯ sN¡p-IÄ DS-\Sn s{IUnäv sN¿p-I-bm-sW-¦nÂ, \n§Ä \nt£-]n-¡p¶

aqe-[-\-¯n-t·Â s{IUnäv sN¿m-hp¶ XpI-bpsS ]cn-[n, A¡u-−nsâ Xr]vXn-I-c-amb

ssIIm-cyw sN¿Â apX-embh _m[-I-am¡n, \n_-Ô-\-Ifpw hy-h-Ø-Ifpw DÄs¸sSbpÅ

hni-Zmwi§Ä \ÂIpw.

Un. R§-fpsS sN¡v tiJ-cW \b-a-\p-k-cn¨v \S-]-Sn-{I-a-§Ä XpS-cp-I-bpw, \n§Ä

\nt£-]n¨ Hcp sN¡v/B[mcw hgn¡v \jvS-s¸-«m Hcp Uyq-¹n-t¡äv sN¡v/B -[mcw e`-

y-am-¡p-¶-Xn\v \n§Ä¡v FÃm klm-b-§fpw \ÂIp-Ibpw sN¿pw.

C. \n§Ä A¡u−v XpS-§p-t¼mgpw \n§Ä tNmZn-¡p-t¼m-sgm-s¡bpw apI-fn ]dª

hnh-c-§Ä \ÂIpw. R§-fpsS \b-¯n Fs´-¦nepw amäw h¶mÂ, ]pXp-¡nb \bw

R§-fpsS sh_vssk-änepw R§-fpsS FÃm imJ-I-fnepw {]ZÀin-¸n-¡p-¶-Xm-Wv.

7.11 ]W-an-S-]m-Sp-IÄ

F. \n§-fpsS A¡u−v DÅ Iu−-dn R§Ä sN¡p-IÄ/]Ww koI-cn-¡p-Ibpw ]Ww

\ÂIp-Ibpw sN¿pw.

Page 33: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

_n. BÀ_nsF \nÀt±-i-§Ä¡-\p-kr-X-ambn apjnª/cq]-`wKw h¶ t\m«p-I-sfbpw

\mW-b-§-sfbpw R§-fpsS C¯cw imJ-I-fn amän \ÂIpw.

kn. Hcp \nÀ±njvS XpI-bv¡p taepÅ CS-]m-Sp-IÄ¡v \n§-fpsS ]m³ \¼À lmP-cm-¡p-

hm³ R§Ä Bh-i-y-s¸-t«-¡mw.

7.12 t\cn-«pÅ sU_näpw \ne-\n¡p¶ \nÀt±-i-§fpw

R§Ä:

A¡u−v XpS-§p-t¼mÄ t\cn-«pÅ sU_n-äp-IÄ/\ne-\n¡p¶ \nÀt±-i-§Ä F§s\

{]hÀ¯n-¡p¶p F¶pw Ah F§s\ tcJ-s¸-Sp¯mw/d±p-sN¿mw F¶pw Ah-bp-ambn

_Ô-s¸« NmÀPp-IÄ F{X F¶pw R§Ä ]d-ªp-X-cpw. Np¦-¸-«nI {]Imcw \nc¡v

CuSm-¡p-¶-Xm-Wv.

_n. t\cn-«pÅ sU_n-äp-IÄ¡pw (D-Zm-l-c-W-¯n\v Ce-Ivt{Sm-WnIv ¢nb-dnMv kÀhokv þ

C-kn-F-kv) aäp \ne-\n¡p¶ \nÀt±-i-§Ä¡pw th−n \n§Ä \ÂInb A\p-aXn A\p-

k-cn¨v {]hÀ¯n-¡pw. \nÀt±-i-§Ä \S-¸n hcp-¯p-¶-Xn\v Ime-Xm-a-ktam hogvNtbm

hcp¯n \n§Ä¡v km¼-¯nI \jvStam A[n-I-s¨-ethm D−m-¡n-bm _m¦nsâ \jvS-]-

cn-lmc \b-a-\p-k-cn¨v \jvS-]-cn-lmcw \ÂIp-¶-Xm-Wv. \n§-fpsS A¡u-−n th−{X

\o¡n-_m¡n CÃm-¯-Xn-\m \nÀt±iw \S-¸m-¡m-\m-ImsX h¶mÂ, Imem-Imew t`Z-KXn

hcp-¯nb {]Im-c-apÅ Npcp-¡-¸-«nI A\p-k-cn¨v \nc-¡p-IÄ Npa-¯p-¶-Xm-Wv.

kn. Hcp t\cn-«pÅ sU_näv {]Im-cw, \n§-fpsS A¡u-−n \n¶v A\-[n-Ir-X-

ambn/sXämbn ]Ww ]n³h-en¨p F¶v \nÀ®-bn-¡-s¸-«mÂ, DS-\Sn ]eni klnXw \n§-

fpsS A¡u-−n-te¡v ]Ww XncnsI AS-bv¡p-¶Xpw _m¦nsâ \jvS-]-cnlmc \bw A\p-

k-cn¨v \jvS-]-cn-lmcw \ÂIp-¶Xpw BWv.

7.13 ]Ww \ÂIp-¶Xv \ndp-̄ n-h-bv¡Â kuI-cyw

R§Ä:

F. \n§Ä \ÂInb sN¡p-I-fn ]Ww \ÂIp-¶Xv \ndp-¯n-h-bv¡m\pÅ \nÀt±iw kzo-I-

cn-¡pw. \n§-fpsS \nÀt±iw ssI¸-än-¡-gn-ªm DS-s\-X-s¶, \nÀt±iw e`n¨ Imcyw

\n§sf Adn-bn-¡p-¶Xpw, B sN¡p-I-fpsS ]Ww t\cs¯ \ÂIn-¡-gn-ªn-«n-Ãm¯

]£w, \S]Sn kzo-I-cn-¡p-¶Xpw BWv.

_n. ]Ww \ÂI \ndp-¯n-h-bv¡Â \nÀ±vtZ-i-¯n-t·-epÅ \S-]-Sn¡v Npa-¯n-tb-¡m-hp¶

Fs´-¦nepw \nc-¡p-s−-¦n AXv Np¦-¸-«n-I-bn DÄs¸-Sp-¯pw.

Page 34: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

kn. ]Ww \ÂIp-¶Xv \ndp-¯n-h-bv¡Â \nÀt±iw In«n-b-Xmbn \n§sf Adn-bn¨ tijw

R§Ä ]Ww \ÂIn-bmÂ, B ]Ww XncnsI \ÂIp-¶Xpw _m¦nsâ \jvS-]-cn-lmc\bw

A\p-k-cn¨v \jvS-]-cn-lmcw \ÂIp-¶Xpw BWv.

7.14 \n§Ä \ÂIp¶ sN¡v/sU_näv \nÀt±-i-§Ä

R§Ä:

F. \n§-fpsS A¡u-−n \n¶v ]Ww \ÂInb Hdn-Pn-\ sN¡p-IÄ/sU_näv \nÀt±-i-

§Ä AsÃ-¦n Ah-bpsS tIm¸n-IÄ AsÃ-¦n Ah-bpsS Nn{X-§Ä, \nbaw A\p-im-kn-

¡p-¶{X Ime-b-f-thmfw kq£n-¨p-h-bv¡pw.

_n. tcJ-IÄ R§-fpsS ssIhiw DÅn-S-t¯mfw Imew sN¡v/sU_näv \nÀt±iw AsÃ-

¦n AXnsâ ]IÀ¸v AXn\v sXfn-hmbn \n§Ä¡v \ÂIpw. \n§-fpsS A¡u−n \n¶v

]Ww \ÂInb sN¡nsâ/sU_näv \nÀt±-i-¯nsâ Imc-y-¯n Hcp XÀ¡w D−m-bmÂ,

At]£ kaÀ¸n-¡p-¶Xv Hcp hÀj-¯n-\p-Ån-em-sW-¦nÂ, \nc-¡p-IÄ H¶pw CuSm-¡p-¶-X-

Ã. Hcp hÀjw Ign-ªm-sW-¦nÂ, Np¦-¸-«nI {]Imcw NmÀPp-IÄ CuSm-¡p-¶-Xm-Wv.

kn. ]Ww \ÂIm¯ sN¡p-Ifpw Imem-h[n Ignª (Im-e-l-c-W-s -̧«) sN¡p-Ifpw

F§s\ ssIIm-cyw sN¿p-sa¶v \n§-tfmSv ]d-bpw. Npa-¯p¶ \nc-¡p-I-fpsS hnh-c-§Ä,

Imem-Imew t`Z-KXn sNbvX {]Im-cw, Np¦-¸-«n-I-bn DÄs¸-Sp-¯pw.

7.15 imJ \ndp-̄ -em-¡Â/Øew-am-dÂ

R§-fpsS imJ ]q«p-hmt\m asämcp Øe-t¯¡v amäp-hmt\m ]²-Xn-bn-Sp-I-bm-sW-¦nÂ

R§Ä:

F. \n§-fpsS Øe¯v GsX-¦nepw _m¦nsâ asämcp imJbpw {]hÀ¯n-¡p-¶nÃ

F¦nepw, \n§Ä¡v _m¦nMv tkh-\-§Ä e -̀y-am-¡m³ R§Ä¡m-Inà F¦nepw c−p-am-

ks¯ t\m«okv \ÂIpw.

_n. asäÃm kw`-h-§-fnepw Hcp-am-ks¯ t\m«okv.

kn. imJ amäp-I-bm-sW-¦n R§-fpsS imJ-bpsS ]pXnb Øes¯ taÂhn-emkw

\n§sf R§Ä Adn-bn-¡pw.

Un. imJ-bpsS {]hÀ¯\ ka-b-¯n Fs´-¦nepw amä-ap-s−-¦n A¡m-cyw \n§sf

Adn-bn-¡pw.

Page 35: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

7.16 acWw kw`-hn¨ A¡u-−p-S-a-bpsS Imc-y-¯n Ah-Im-i-§Ä¡p

XoÀ¸p-I¸n-¡Â

acWw kw`-hn¨ A¡u-−p-S-a-I-fpsS A¡u-−p-IÄ¡v XoÀ¸v I¸n-¡p-hm³ efn-X-

h¡cn¨ Hcp \S-]-Sn-{Iaw R§Ä ]men-¡pIbpw, FwF-kv-C-IÄ¡v _m[-I-am-Ip-¶-Xnsâ

]c-am-h[n, CS-]m-Sp-Im-tcm-SpÅ {]Xn-_-²-X-bpsS _m¦v tImUnepÅ hy-h-Ø-IÄ R§Ä

A\p-k-cn-¡pw.

8. \n§-fpsS A¡u-−p-IÄ kwc-£n-¡Â

8.1 kpc-£n-Xhpw hni-z-k-\o-bhpw Bb _m¦nMv, ]Ww sImSp-¡Â kwhn-

[m-\-§Ä

_m¦nMv kwhn-[m-\-¯nsâ `mK-ambn R§Ä {]hÀ¯n¡pw F¶-Xn-\m kpc-£n-Xhpw

hni-z-k-\o-bhpw Bb _m¦n-Mv, ]Ww sImSp-¡Â F¶-o kwhn-[m-\-§Ä \n§Ä¡p

{]tbm-P-\-s¸-Sp-¯mw. kpc-£n-X-Xz kwhn-[m-\-§-fpsS `mK-ambn kq£va amb Pm{KX

]peÀ¯p-¶-Xn\v knkn-Snhn R§Ä Øm]n-¡p-¶-Xm-Wv.

8.2 amä-§Ä A¸-t¸mÄ R§sf Adn-bn-¡Â

Xmsg ]d-bp-¶-Xn amä-ap-−m-bmÂ, F{Xbpw thKw R§sf Adn-bn-¡p¶p F¶v Dd-¸p-h-

cp-¯p-I.

F. t]cv, LS\ (]-¦m-fn-I-fnÂ/Ub-d-IvSÀam-cn DÅ amäw DÄs¸-sS)

_n. taÂhn-emkw

kn. t^m¬ \¼À

Un. Cþ-sa-bn hnemkw (C-{]-Im-camWv R§-Ä \n§-fp-ambn _Ô-s¸-Sp-¶-sX-¦nÂ)

8.3 \n§-fpsS A¡u−v ]cn-tim-[n-¡Â

F. \n§-fpsS IW-¡p-hn-hcw AsÃ-¦n ]mkv _p¡v Ønc-ambn ]cn-tim-[n-¡-W-sa¶v

R§Ä ip]mÀi sN¿p-¶p. GsX-¦nepw tcJ-s¸-Sp-¯Â sXäm-sW¶p tXm¶n-bmÂ, Bhp-

¶Xpw thKw R§sf Adn-bn-¡-Ww. At¸mÄ R§Ä¡v AXn-s\-¡p-dn¨v At\-z-jn-¡m-\m-

Ipw. t\cn-«pÅ ]äp-Ifpw Ønc\n-\nÀt±-i§fpw ]Xn-hmbn ]cn-tim-[n-¡p-¶-Xv, t]mtI−

Øm\-t¯¡p Xs¶-bmtWm ]Ww t]mIp-¶-sX¶v Dd-¸m-¡p-hm³ klm-b-I-am-Ipw.

Page 36: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

_n. \n§-fpsS A¡u-−nse Hcp CS-]mSv R§Ä¡v At\-z-jn-t¡-−-Xp-s−-¦nÂ, \n§Ä

R§-fp-ambpw s]meo-kns\/aäv At\-z-jW GP³kn-Isf DÄs¸-Sp-t¯-−-Xp-s−-¦nÂ

Ah-cp-ambpw kl-I-cn-¡-Ww.

8.4 {i²sNep-̄ Â

\n§-fpsS A¡u-−n Ir{Xnaw ImWn-¡p-¶Xp XS-bp-¶-Xnepw AXv kwc-£n-¡p-¶-Xnepw

klm-bn-¡p-hm³, \n§-fpsS sN¡v, ]mkv_p¡v, ImÀUv, ]n³, ]mkvthUv, aäp kpc£m

hnh-c-§Ä F¶n-h-bn {i² hbvt¡-−Xv {][m-\-am-Wv. Xmsg sImSp-¯n-cn-¡p¶ D]-

tZiw ]men-¡p¶p F¶v Zb-hmbn Dd¸p hcp-¯p-I.

F. sN¿-cpXv

i) \n§-fpsS sN¡v _p¡pw FänFw/sU_näv/s{IUnäv ImÀUp-Ifpw H¶n¨v kq£n-

¡p-I.

ii) H¶pw Fgp-Xm¯ sN¡v eo^p-IÄ H¸n«p kq£n-¡pI

iii) \n§-fpsS ]n³, ]mkvthUv, aäv kpc£m hnh-c-§Ä F¶nh asäm-cmÄ D]-tbm-

Kn-¡p-hm³ A\p-h-Zn-¡pI

iv) \n§-fpsS A¡u−v hnh-c-§Ä, ]mkvthUv, ImÀUv, ]n³ AsÃ-¦n aäv

kpc£m hnh-c-§Ä F¶nh asäm-cmÄ¡v sImSp-¡Â

_n. Ft¸mgpw

i) \n§Ä sN¡v aptJ\ ]Ww \ÂIp¶ Bfnsâ t]cv hy-à-ambn Fgp-Xp-I.

X]m hgn sN¡v Ab-¡p-I-bm-sW-¦nÂ, Ir{Xnaw ImWn-¡p-¶Xv XS-bp-¶-XnÂ

AXv klm-bn-¡pw. DZm-l-c-W-am-bn, cmk-h-kvXp-¡Ä D]-tbm-Kn¨v Xncp-¯p-¶Xv Hgn-

hm-¡m³ A¯cw sN¡p-IÄ¡v ]n¶n ImÀ_¬ t]¸À h¨v Fgp-Xp-hm³ R§Ä

ip]mÀi sN¿pw.

ii) \n§Ä ]n³ amäp-I-bm-sW-¦n ]pXn-bXv {i²-tbmsS sXc-sª-Sp-¡p-I.

iii) ]n³, ]mkvthUv, adv kpc£m hnh-c-§Ä F¶nh HmÀa-bn kq£n-¡p-Ibpw

Ah-bn GsX-¦nepambn _Ô-s¸« I¯v ssI¸n-än-bm-ep-Ss\ \in-¸n-¡p-Ibpw

sN¿p-I.

Page 37: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

iv) ImÀUv kpc-£n-X-ambn ssIhiw kq£n-¡p-hm\pw ]n³, ]mkvthUv, aäv

kpc£m hnh-c-§Ä F¶nh FÃm ka-b¯pw cl-k-y-ambn kq£n-¡p-hm\pw DNn-X-

amb \S-]-Sn-IÄ kzo-I-cn-¡p-I.

v) ImÀUv cko-Xp-IÄ kpc-£n-X-ambn kq£n-¡p-Ibpw {i²-tbmsS \in-¸n-¡p-Ibpw

sN¿p-I.

vi) _m¦v A¡u-−n-te¡v sN¡v AS-bv¡p-I-bm-sW-¦nÂ, A¡u−v DS-a-bpsS t]cv

(F-_nkn _m¦v A¡u−v þ FIvkvsshskUv) sN¡n Fgp-Xp-I. A\-[n-Ir-X-

cmb Bfp-IÄ A[nI \¼-cp-Itfm t]cp-Itfm Iq«n-t¨À¡m-Xn-cn-¡p-hm-\mbn

sN¡nse D]-tbm-Kn-¡m¯ Øe¯v Hcp hc hc-bv¡p-I.

kn. \n§-fpsS sN¡v _p¡v, ]mkv _p¡v AsÃ-¦n FänFw/sU_näv ImÀUv \jvS-s¸-«-

Xmtbm tamjvSn-¡-s¸-Sp-I-tbm, AsÃ-¦n \n§-fpsS ]n³, aäv kpc£m hnh-c-§Ä F¶nh

asäm-cmÄ Adn-bp-Itbm sNbvXmÂ, \n§Ä R§sf Adn-bn-¡p¶ apdbv¡v, Ch Zpcp-]-

tbmKw sN¿-s¸-Sp-¶Xv XS-bp-hm³ R§Ä s]s«-¶pÅ \S-]-Sn-I-sf-Sp-¡pw.

Un. \n§-fpsS sN¡v _p¡v, ]mkv_p¡v, ImÀUv F¶nh \jvS-s¸-«-Xmtbm tamjvSn-¡-s¸-«-

Xm-tbm, AYhm \n§-fpsS ]n³, ]mkvthUv, AsÃ-¦n aäv kpc£m hnh-c-§Ä asäm-cmÄ

Adn-bm-\n-S-bm-b-Xmtbm kwibw tXm¶p-Itbm Is−-¯p-Itbm sNbvXm {]kvXpX

hnhcw km[-y-am-hp-¶{X t\cs¯ R§-tfmSv Ah-iyw ]d-tb-−-Xp-−v.

C. \n§Ä¡v \ÂIn-bn-cn-¡p¶ R§-fpsS 24 aWn-¡qÀ tSmÄ{^o \¼-cn t^mWn-eqsS

R§sf \jvS-s¯-¸än Adn-bn-¡p-I-bpw, DS-s\-Xs¶ B hnhcw Ønco-I-cn¨v R§Ä¡v

Fgp-Xp-Ibpw sN¿mw. AsÃ-¦nÂ, Cu Bh-i-y-¯n-\mbn \n§Ä¡p \ÂIn-bn-«pÅ hnem-k-

¯n Cþ-sa-bn aptJ\ hnhcw Adn-bn-¡mw.

F^v. R§sf hnh-c-a-dn-bn-¡p¶ ka-bw hsc, Zpcp-]-tbm-K-¯n-\pÅ _m[-yX \n§Ä¡m-

bn-cn-¡pw.

8.5 CâÀs\äv _m¦nMv

efn-X-amb Hcp-]nSn ap³I-cp-X-ep-I-sf-Sp-¡p-¶n-S-t¯mfw Imew Hm¬sse³ _m¦nMv kpc-

£n-Xhpw kuI-c-y-{]-Z-hp-am-Wv.

Xmsg sImSp-¯n-cn-¡p¶ D]-tZ-i-§Ä \n§Ä ]men-¡p¶p F¶v Zb-hmbn Dd-¸p-h-cp-

¯pI:

Page 38: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

F. R§-fpsS CâÀs\äv _m¦nMv sskän t\cn«p {]th-in-¡p-I. asämcp sskän-setbm

Hcp Cþ-sa-bn-en-setbm en¦n-eqsS IS-¡p-¶Xv Hgn-hm-¡p-I. sskänsâ t]cv hmbn¨v Ønco-

I-cn-¨v, X«n¸v sh_vssk-äp-Isf Hgn-hm-¡p-I.

_n. \n§-fpsS ]mkvthUv AsÃ-¦n ]n³ Bh-i-y-s¸-«p-sIm-−pÅ GsX-¦nepw Cþ-sa-

bn h¶m Ah-K-Wn-¡p-Ibpw AsX-¡p-dn¨v At\-z-jn-¡m³ R§sf Adn-bn-¡p-Ibpw

sN¿p-I. \n§-fpsS Hm¬sse³ _m¦nMv AsÃ-¦n t]bvsaâv ImÀUv ]n¶p-IÄ AsÃ-

¦n ]mkvthUv hnh-c-§Ä shfn-s¸-Sp-¯p-hm³ Bh-i-y-s¸-«p-sIm−v s]meotkm

R§tfm \n§-fp-ambn Hcn-¡epw _Ô-s¸-Sp-I-bn-Ã.

kn. R§-fpsS CâÀs\äv _m¦nMv sskäp-ambn _Ô-s¸-Sp-hm³ ssk_À It^-Itfm aäp-

Å-h-cp-ambn ]¦p-h-bv¡p¶ I¼-yq-«-dp-Itfm (]n.-kn.) D]-tbm-Kn-¡m-Xn-cn-¡p-hm³ R§Ä D]-

tZ-in-¡p-¶p.

Un. Gähpw ]pXnb Bân sshd-kv, kvss]sh-bÀ tkm^vävshbÀ sIm−v \n§-fpsS

]n.kn. ]Xn-hmbn A]vtUäv sN¿p-hm³ R§Ä D]-tZ-in-¡p-¶p. lmt¡-gvkv, sshdkv

B{I-aWw AsÃ-¦n D]-{Z-h-Im-cn-I-fmb "t{SmP³ tlmgvkv' t{]m{Km-ap-IÄ F¶n-h-s¡-

Xnsc kwc-£-W-¯n\v skI-yq-cnän t{]m{Km-ap-IÄ Øm]n-¡mw. CâÀs\-änse ie-y-¡m-cnÂ

\n¶v \n§-fpsS ]n.kn.¡pw AXnse DÅ-S-¡-¯n\pw kwc-£Ww \ÂIp-hm³ I¼-yq-«-dnÂ

tbmPn¨ Hcp ^bÀhmÄ Øm]n-¡-W-sa¶v ip]mÀi sN¿p-I-bm-Wv.

C. \n§-fpsS Hm¸-td-änMv knÌ-¯nse "^b B³Uv {]nânMv sjb-dnMv' kwhn-[m\w

{]hÀ¯-\-c-ln-X-am-¡p-I.

F^v. D]-tbmKw Ign-ªm \n§-fpsS ]n.kn. temKv Hm^v sN¿p-I.

Pn. CâÀs\äv FIvkvt¹-m-dÀ {_uk-dn \n§-fpsS sFUn/]n³ tiJ-cn¨p hbv¡-cp-Xv.

F¨v. \n§-fpsS A¡u−pw CS-]mSp hnh-c-§fpw ]Xn-hmbn ]cn-tim-[n-¡p-I.

sF. R§-fpsS D]-tZiw ]n´p-S-cpI þ R§-fpsS sh_vssk-äp-IÄ km[m-c-W-bmbn

Hm¬sse-\n F§s\ kpc-£n-X-cm-bn-cn¡mw F¶-Xn\v klm-bhpw amÀK-\nÀt±-ihpw

e`n-¡p¶ \sÃmcp Øe-am-Wv.

8.6 ]Ww \ÂIp-¶Xv d±m-¡Â

\n§Ä A[n-Im-c-s¸-Sp-¯n-bn-«pÅ Ht¶m XpSÀ¨-bm-bp-ÅtXm Bb ]Ww \ÂI CS-]m-

Sp-IÄ d±v sN¿-W-sa-¶p-s−-¦nÂ, Xmsg ]d-bp¶ Imc-y-§Ä sN¿-Ww.

Page 39: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

F. Hcp sN¡nsâ ]Ww \ÂIp-¶Xv \nÀ¯n-h-bv¡-W-sa-¦nÂ, AsÃ-¦n \n§Ä \ÂIn-

bn-cn-¡p¶ \S-]-Sn-{Iaw kw_-Ôn¨ \nÀt±-itam t\cn-«pÅ sU_ntäm d±v sN¿-W-sa-¦nÂ

tcJm-aqew R§tfmSv Bh-i-y-s¸-S-Ww.

_n. t\cn-«pÅ sU_näv d±v sN¿p-hm³ R§sf Adn-bn-t¡-−-Xp-−v. t\cn-«pÅ sU_n-

änsâ Imc-W-¡-mcs\bpw hnhcw Adn-bn-¡p-hm³ R§Ä ip]mÀi sN¿p-¶p.

kn. d±v sN¿p-hm-\pÅ \n§-fpsS Xocp-am\w R§sf ap³Iq«n Adn-bn-¡m-Xn-cp-¶m ]Ww

\ÂIp-¶Xv d±v sN¿p-hm-\m-sb¶p hcn-Ã.

8.7 \jvtSm- -̄c-hm-Zn¯w

F. \n§Ä hym-P-amb {]hÀ¯-\-¯n GÀs¸-«mÂ, \n§-fpsS A¡u-−nse FÃm \jvS-

§Ä¡pw D¯-c-hm-Zn¯w \n§Ä¡m-bn-cn-¡pw.

_n. \n§Ä th−{X {i²-bn-Ãm-sX s]cp-am-dp-Ibpw AXv \jvS-§Ä¡p Imc-W-am-Ip-Ibpw

sNbvXmÂ, Ah-bpsS D¯-c-hm-Zn¯w \n§Ä¡m-tb-¡mw.

kn. hym-P-amtbm th−{X {i²-bn-Ãm-sXtbm {]hÀ¯n-¨n-«n-Ãm-sb-¦nÂ, \n§-fpsS

ImÀUnsâ Zpcp-]-tbmKw sIm−v \n§Ä¡p-−m-Ip¶ _m[-y-X, ImÀUv A\p-h-Zn-¨-Xp-ambn

_Ô-s¸« \n_-Ô-\-I-fnepw hy-h-Ø-I-fnepw \nP-s¸-Sp-¯n-bn-cn-¡p¶ XpI-bmbn ]cn-an-X-

s¸-Sp-¯pw.

Un. \n§-fpsS ]n³ \jvS-s¸-Sp-Itbm \n§-fpsS ]mkvthtUm aäv kpc£m kwhn-[m-\-

§tfm ssIhn-«p-t]m-Ip-Itbm sNbvX-Xp-aqew D−m-Ip¶ Zpcp-]-tbm-K-§-fpsS _m[-y-X,

hnhcw R§sf Adn-bn-¡p-Ibpw Ah-bpsS Zpcp-]-tbmKw XS-bp-¶-Xn\v \S-]-Sn-IÄ kzo-I-cn-

¡p-Ibpw sN¿p¶ kabw hscbpw \n§Ä¡m-bn-cn-¡pw.

9. tkh-\-§Ä

9.1 hntZ-i-\m-Wy hn\n-ab tkh-\-§Ä

F. \n§Ä hntZi \mWbw hm§p-Itbm hn¡p-Itbm sN¿p-t¼mÄ, B tkh-\-§Ä,

hn\n-a-b-\n-c-¡p-IÄ, hntZi \mWb CS-]m-Sp-IÄ¡v _m[-I-amb aäv NmÀPp-IÄ F¶nh

kw_-Ôn¨ hnh-c-§Ä R§Ä \ÂIp-¶-Xm-Wv. AXv km[-y-a-sÃ-¦nÂ, Ah IW-¡m-¡p¶

coXn R§Ä ]d-ªp-X-cpw.

Page 40: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

_n. \n§Ä¡v hntZ-i-t¯¡p ]Ww Ab-¡-¡-W-sa-¶p-s−-¦nÂ, AXv F§s\ thW-

sa¶v ]d-ªp-X-cn-Ibpw Xmsg ]d-bp¶ Imc-y-§Ä hni-Z-am-¡p-Ibpw sN¿pw:

i) Imc-y-\nÀh-l-W-¯n-\m-h-i-y-amb Imc-y-§fnte¡v Asæn hy-h-Ø-Ifn te¡v

\n§Ä Bh-i-y-s¸-Sp-¶Xv Ft¸m-gmtWm At¸mÄ hgn-Im-«pw

ii) Cu tkh-\-§-fp-sSbpw Ah D]-tbm-Kn-t¡− coXn-bp-sSbpw Hcp hnh-cWw

iii) \n§Ä Ab-¡p¶ ]Ww Ft¸mÄ hntZ-i¯v F¯p-sa¶pw, Xma-k-ap-s−-¦nÂ

AXnsâ Imc-Whpw þ A§-s\-sb-s´-¦nepw Ds−-¦n þ AXp kw_-Ôn¨ hnh-c-

§Ä

iv) hntZi Id³kn-bn-te¡p amäp-t¼mÄ _m[-I-amb hn\n-ab \nc¡v (C-S-]mSp \S-

¯p¶ ka-b¯v AXv km[-y-am-Ip-¶n-sÃ-¦n \nc¡v F{X-bm-sW¶v R§Ä ]n¶o-

S-dn-bn-¡pw)

v) \n§Ä \ÂtI-−-XpÅ {]Xn- -̂e-¯pI-bpsS AYhm \nc-¡p-I-fpsS hnh-c-§fpw

IqSmsX, hntZ-i¯p ]Ww ssI¸-äp¶ BÄ hntZi _m¦nsâ NmÀPp-IÄ \ÂtI-

−n-h-cp-sa¶ ap¶-dn-bn¸pw

vi) hntZ-i¯v ]Ww F¯n-¨p-sIm-Sp-¡p-¶-Xn\v Bh-i-y-amb hnh-c-§-f-{Xbpw

\n§Ä \ÂIn-bn-«pt−m CÃtbm F¶v R§Ä ]d-ªp-X-cpw. GsX-¦nepw ]ng-hp-

IÄ ]äp-Itbm, ]qÀW-amb tcJ-IÄ CÃmsX hcp-Itbm sNbvXmÂ, \n§sf

R§Ä DS-s\-Xs¶ hnhcw Adn-bn-¡p-Ibpw sXäp Xncp-¯p-¶-XnÂ/tcJ-IÄ

]qÀW-am-¡p-¶-Xn \n§sf klm-bn-¡p-Ibpw sN¿pw.

kn. Ct§m-t«-¡pÅ ]Ww HSp-¡m-\msW-¦nÂ,

i) hntZ-i-¯p-\n¶v \n§-fpsS _m¦v A¡u-−n-te¡v ]Ww ssIam-dn-sb-¦nÂ

R§Ä ssI¸-änb bYmÀ° XpIbpw Npa-¯nb \nc-¡p-IÄ Ds−-¦n Ahbpw

\n§sf Adn-bn-¡pw. FÃm \nc-¡p-Ifpw \ÂIp-hm³ ]Ww Ab-¡p¶ BÄ k½-

Xn-¨n-«p-s−-¦nÂ, ]Ww \n§-fpsS A¡u-−n \ÂIp-t¼mÄ bmsXmcp \nc¡pw

R§Ä CuSm-¡p-¶-X-Ã.

ii) XpI IW-¡n sImÅn-t¡− Znh-k-¯n-\-¸pdw Fs´-¦nepw Ime-Xm-akw

D−m-bm \n§Ä¡v

Page 41: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

(F) \nÝnX Xob-Xn¡v A¸p-d-apÅ Ime-Xm-akw sIm−v D−m-tb-¡m-hp¶ ]eni \jvS-

¯n\pw (_n) hntZi \mWb hn\n-ab \nc-¡nse {]Xn-Iq-e-amb hy-Xn-bm-\-§Ä sIm−v

D−m-Ip¶ \jvS-¯n-\pw, R§-fpsS sh_vssk-än e`-y-amb _m¦nsâ \jvS-]-cn-lmc

\bw A\p-k-cn-¨pÅ \jvS-]-cn-lmcw, \n§Ä Bh-i-y-s¸-Sp-¶Xp-hsc Im¯p\n-¡msX

Xs¶, \ÂIp-¶-Xm-Wv.

Un. IrX-y-\nÀh-l-W-{]-Im-chpw \nb-a-{]-Im-chpw ]pd-s¸-Sp-hn-t¡− FÃm {]am-W-§fpw

R§Ä ]pd-s¸-Sp-hn-¡p-¶-Xm-Wv.

9.2 C -́y-bv¡p-Ån ]W-a-S-bv¡Â

C´-y-bv¡p-Ån \n§Ä¡v ]W-a-S-bv¡-W-sa-¦n AXv F§s\ thW-sa¶v R§Ä

\n§sf Adn-bn-¡pw. IqSmsX R§Ä:

F. tkh-\-§-sfbpw Ahsb F§s\ D]-tbm-Kn-¡-W-sa-¶-Xn-s\bpw kw_-Ôn¨v hnh-

cn¡pw

_n. \n§-fpsS Bh-i-y-§Ä¡v tbmPn¨ ]W-a-b-¡p-hm³ ]änb Gähpw \à coXn \nÀt±-

in¡pw

kn. Imem-Imew t`Z-KXn sN¿p¶ Np¦-¸-«n-I-bn ]d-ªn-cn-¡p¶ {]Im-cw, Cu tkh-\-

¯n\v \n§Ä \ÂtI− {]Xn-^ew DÄs¸sS FÃm \nc-¡p-I-fp-sSbpw hnh-c-§Ä shfn-s -̧

Sp¯pw

Un. Fs´-¦nepw Ime-Xm-a-k-ap-−m-hp-I-bm-sW-¦nÂ, \n§Ä¡p-−m-Ip¶ \jvS-

¯n\v/A[nIs¨e-hn\v _m¦nsâ \jvS-]-cn-lmc \bw A\p-k-cn-¨pÅ \jvS-]-cn-lmcw,

\n§Ä Bh-i-y-s¸-Sp-¶Xv Im¡msX \n§Ä¡v \ÂIp-¶-Xm-Wv.

10. ]cm-Xn-Ifpw Bh-em-Xn-Ifpw {]Xn-I-c-W-§fpw

10.1 B -́cnI \S-]-Sn-{I-a-§Ä

F. \n§Ä¡v Hcp ]cmXn kaÀ¸n-¡-W-sa-¶p-s−-¦n R§Ä ]d-ªp-Xcpw:

i) F§s\ AXv sN¿-W-sa¶v

ii) FhnsS ]cmXn kaÀ¸n-¡m³ Ign-bp-sa¶v

iii) adp-]Sn Ft¸mÄ {]Xo-£n-¡m-sa¶v

iv) ]cmXn ]cn-lm-c-¯n\v Bsc kao-]n-¡-W-sa¶v

Page 42: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

v) ^ew Xr]vXn-I-c-a-sÃ-¦n F´p-sN-¿-W-sa¶v

_n. \n§-Ä¡p−m-hp¶ GXp tNmZ-y-¯n\pw R§-fpsS Poh-\-¡mÀ klm-bn-¡pw.

kn. ]cm-Xn-IÄ \ym-b-ambpw thK-¯nepw ssIIm-cyw sN¿p-¶-Xn-\pÅ R§-fpsS \S-]-Sn-{I-

a-§-fpsS hniZhnh-c-§Ä FhnsS Is−-¯m-sa¶v R§Ä \n§Ä¡v ]d-ªp-X-cpw. R§-

fpsS ]cmXn ]cn-lmc \bw R§-fpsS sh_vssk-än {]kn-²o-I-cn-¡p-Ibpw sN¿pw.

Un. \n§Ä¡v ]cmXn DÅ ]£w kao-]n-¡m-hp¶ DtZ-ym-K-Øsâ t]cv imJ-bn {]ZÀin-

¸n-¡pw. imJm-X-e-¯n \n§-fpsS ]cm-Xn¡v ]cn-lm-c-am-bn-sÃ-¦nÂ, imJ-bn {]ZÀin-̧ n-

¨n-cn-¡p¶ taÂhn-em-k-¯n R§-fpsS doPn-b-W amt\-Psc/ tkmW amt\-Psc

\n§Ä¡v kao]n-¡m-hp-¶-Xm-Wv.

C. \n§-fpsS ]cmXn tcJm-aq-e-amWv ssI¸-än-b-sX-¦nÂ, AXv ssI¸-änb hnhcw/ {]Xn-I-

cWw Hcm-gvN-bv¡p-Ån Ab-bv¡p-hm³ R§Ä ]c-am-h[n {ian-¡p-¶-Xm-Wv. R§-fpsS

\nÀ±njvS sSen-t^m¬ slÂ]vsU-kvIntem D]-t`màr tkh\ \¼-cn tem sSen-t^m¬

aptJ-\-bmWv ]cmXn \ÂIn-bn-cn-¡p-¶Xv F¦nÂ, Hcp ]cmXn kqN\m kwJy \n§Ä¡v

Xcp-¶Xpw \ym-b-amb Ime-b-f-hn-\p-Ån ]ptcm-KXn \n§sf Adn-bn-¡p-¶Xpw BWv.

F^v. {]iv\w ]cn-tim-[n-̈ -Xn\p tijw, R§-fpsS A´na {]Xn-I-cWw \n§Ä¡v Ab-¨p-

Xcp-I-tbm, Xocp-am\w Adn-bn-¡p-hm³ IqSp-XÂ kabw th−-Xnsâ Bh-i-y-IX hni-Zo-I-cn-

¡p-Itbm sN¿psa¶v am{X-aÃ, \n§-fpsS ]cmXn In«n ap¸Xv Znh-k-¯n-\Iw AXv sN¿p-

hm³ {]b-Xv\n-¡p-Ibpw F¶n«pw Xr]vXn tXm¶n-bn-sÃ-¦n ]cm-Xn-bp-ambn F§s\

apt¶m«v t]mI-W-sa¶v ]d-ªp-X-cp-Ibpw sN¿p-¶-Xm-Wv.

10.2 _m¦nMv Hmw_p-Uvkvam³ ]²Xn

F. 2006þse `mc-Xob dnkÀhv _m¦v Hm^v C³Uy _m¦nMv Hmw_p-Uvkvam³ ]²-Xn- {]-

Imcw R§fp-w DÄs¸-Sp-¯s¸-«n-«p-s−¶pÅ hkvXpX, R§Ä Hcp ]c-k-y-¯n eqsS

R§-fpsS sh_vssk-änepw a-säÃm imJ-I-fnepw {]ZÀi¸n-¡p-w. \ma-am{X \nc-¡nÂ

CXnsâ ]IÀ¸v e`-y-am-¡p-¶-Xm-Wv.

_n. Hcp ]cmXn \ÂIn 30 Znh-k-¯n-\pÅn R§-fn \n¶v Xr]vXn-I-c-amb Hcp {]Xn-I-

cWw In«m-Xn-cn-¡p-Ibpw \n§-fpsS ]cm-Xn-IÄ¡v ]cn-lmcw ImWp-hm³ aäp coXn-IÄ

]n´p-S-c-W-sa¶v \n§Ä B{K-ln-¡p-Ibpw sNbvXmÂ, _m¦nMv Hmw_p-Uvkvam³ ]²Xn

2006 {]Imcw `mc-Xob dnkÀhv _m¦v \ntbm-Kn¨ _m¦nMv Hmw_p-Uvkvams\ kao-]n-¡m-hp-

¶-Xm-Wv. CXp-kw-_-Ôn¨ \S-]-Sn-{I-a-§Ä R§-fpsS DtZ-ym-K-ØÀ \n§Ä¡v hni-Zo-I-

cn¨p Xcpw.

Page 43: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

10.3 \nb-am-h-en-bpsS hy-h-Ø-IÄ FX-f-hp-hsc \S-¸m-¡p¶p F¶Xpw D]-t`màr kwXr-

]vXnbpw XoÀ¨-s¸-Sp-¯p-¶-Xn\v Hcp D]-t`màr kwXr]vXn HmUnäv kwhn-[m-\-¯n\v th−n-

bpÅ amÀK-\nÀt±-i-§Ä R§Ä kaÀ¸n-¡pw.

11 ]c-k-yhpw hn]-Wnbpw hnÂ]-\bpw

F. FÃm ]c-k-y-þ-{]-Nm-cW kma-{Kn-Ifpw hy-à-am-sW¶pw sXän-²-cn-¸n-¡p-¶-X-sà ¶pw

R§Ä Dd-¸p-h-cp¯pw

_n. GsX-¦nepw _m¦nMv tkh-\-¯n-tet¡m DXv]-¶-¯n-tet¡m {i² £Wn-¡p-¶-hbpw,

]eni \nc-¡n-s\-¸än ]cm-aÀiw DÄs¡m-Åp-¶-hbpw Bb GsX-¦n-epw am[-y-a-¯nse

GsX-¦nepw ]c-k-y-¯nepw {]Nm-c-W-teJbn-epw, aäp ^okpw sNe-hp-Ifpw _m[-I-amtWm

F¶pw, {]k-à-amb \n_-Ô-\-I-fp-sSbpw hy-h-Ø-I-fp-sSbpw ]qÀW-hn-h-c-§Ä At]-£n-

¡p¶ ]£w e`-y-am-Iptam F¶pw R§Ä kqNn-¸n-¨n-cn-¡pw.

kn. Ah-ew_ tkh-\-§Ä \ÂIp-¶-Xn\v aq¶mw I£n-I-fpsS tkh-\-§Ä R§Ä

{]tbm-P-\-s¸-Sp-¯p¶ ]£w, \n§-fpsS hy-àn-KX hnh-c-§Ä aq¶mw I£n-IÄ ssII.-

cyw sN¿p-¶Xv (Ah A-̄ cw aq¶mw I£n-IÄ¡v e`-y-am-sW-¦nÂ) R§Ä ssIIm-cyw

sN¿p-am-bn-cp¶ AtX tXmXn-epÅ cl-ky kz-̀ m-h-t¯m-sSbpw `{Z-X-tbm-sSbpw thW-am-

th-−-sX¶v R§Ä Bh-i-y-s¸-Spw.

Un. R§Ä¡p-th−n {]hÀ¯n-¡p-Itbm R§-fpsS DXv]-¶-§Ä hnev¡p-Itbm sN¿p¶

GsX-¦nepw aq¶mw-I-£ntbm GPtâm Cu \nb-am-h-en-bpsS ]cn-[n-bn hcp¶ FÃm

DXv]-¶-§-fp-sSbpw tkh-\-§-fp-sSbpw Imc-y-¯n {]kvXpX \nb-am-h-en-¡-\p-kr-X-ambn

{]hÀ¯n-¡p-sa¶v R§Ä Dd-¸p-h-cp-¯pw.

C. \n§Ä {]tbm-P-\-s¸-Sp-¯n-bn-cn-¡p¶ R§-fpsS DXv]-¶-§-fpsS hnhn[ khn-ti-j-X-

IÄ Imem-Imew R§Ä \n§sf Adn-bn-t¨-¡mw. R§-fpsS DXv]-¶-§sf/ tkh-\-

§sfbpw, R§-fpsS aäv DXv]-¶-§-sfbpw Ahbp-sS {]Nm-cW B\p-Iq-e-y-§-sfbpw

kw_-Ôn-¨ hnh-c-§Ä, \n§Ä X]m aptJ-\tbm, R§-fpsS sh_vssk-än AsÃ-¦nÂ

t^m¬ _m¦nMv/IÌ-aÀ kÀ-hokv \¼-cn cPn-ÌÀ sN¿Â- aptJ-\tbm, A¯cw hnh-c-

§Ä ssI¸-äp-¶-Xn\v k½Xw \ÂIn-bn-«p-s−-¦n am{X-ta, \n§sf Adn-bn-¡p-I-bp-Åq.

F^v. R§-fpsS DXv]-¶-§Ä/tkh-\-§Ä hn]-W-\w \S-¯p-¶-Xn-\mbn R§Ä {]tbm-

P\s¸-Sp-¯n-tb-¡m-hp¶- R§-fpsS t\cn«phnÂ]\ \S-¯p-¶- GP³kn-I-Ä¡v (Un-F-kv-F-

IÄ) R§Ä Hcp s]cp-am䨫w \nP-s¸-Sp-¯n-bn-«p-ÅXpw, aäp Imc-y-§-tfm-sSm¸w R§-

fpsS DXv]-¶-§Ä hn¡p-¶-Xn\v t\cnt«m t^m¬ aptJ-\tbm \n§sf kao-]n-¡p-t¼mÄ,

Page 44: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

Ahsc Xncn-¨-dn-bp-hm³ th− hnh-c-§Ä, \n§Ä¡v \ÂI-W-sa¶v AXn \njvIÀjn-¨n-

«p-Å-Xp-am-Wv.

Pn. R§-fpsS {]Xn-\n[n/Ipc-nbÀ AsÃ-¦n UnF-kvsF A\p-Nn-X-amb {]hÀ¯-\-̄ n-

teÀs¸-«p-sht¶m, Cu \nb-am-h-en¡p hncp-²-amb coXn-bn {]hÀ¯n-¨p-sht¶m, \n§-

fnÂ\n¶v Fs´-¦nepw ]cmXn e`n¡p¶ Ah-k-c¯nÂ, At\-z-jWw \S-¯p-hm\pw ]cmXn

ssIIm-cyw sN¿p-hm\pw, R§-fpsS \jvS-]-cn-lmcw\ÂIÂ \b-¯n-\-\p-kr-X-ambn

\n§Ä¡p-−mb \jvSw ]cn-l-cn-¡p-hm\pw, \n§-Ä Bh-i-y-s¸-Sp-¶Xphsc Im¯p-\n¡m-

sX Xs¶, R§Ä kµÀt`m-Nn-X-amb \S-]-Sn-IÄ kzo-I-cn-¡p-¶-Xm-Wv.

12. taÂt\m«w

Cu \nb-am-h-en-bpsS taÂt\m«w Zv _m¦nMv tImUvkv B³Uv Ìm³UmÀUvkv t_mÀUv

Hm^v C³Uy \nÀhln-¡p-¶-Xm-Wv.

13. klmbw e`-y-am-¡Â

Cu \nb-am-hen kw_-Ôn¨v Fs´-¦nepw At\-z-jWw Ds−-¦nÂ, AXn-\mbn \ntbm-Kn-¨n-

cn-¡p¶ sSen-t^m¬ slÂ]v sUkv¡p-amtbm, D]-t`m-àr-tk-h\ \¼-cntem, Xmsg ]d-

bp¶ hnem-k-¯n C³U-y³ _m¦vkv Atkm-kn-tb-j-\p-amtbm _Ô-s¸-tS-−XmWv.

C³U-y³ _m¦vkv Atkm-kn-tb-j³

skâÀ 1, thÄUv t{SUv skâÀ tImw¹-Ivkv, I v̂ ]tcUv, apwss_ þ 400 005

t^m¬ \w: 022-þ22174040; ^mIvkv: 022-þ22184222 sh_vsskäv: www.iba.org.in

AsÃ-¦nÂ, Xmsg ]d-bp¶ hnem-k-̄ n _m¦nMv tImUvkv B³Uv Ìm³tUÀUvkv

t_mÀUv H^v C³U-y-bp-ambn _Ô-s¸-Sp-I.

_m¦nMv tImUvkv B³Uv Ìm³tUÀUvkv t_mÀUv H^v C³U-y-,

dnkÀhv _m¦v Hm^v C³Uy _nÂUn-Mv,

kn þ 7, \memw \ne, _m{µ IpÀf tImw¹-Ivkv, apwss_ þ 400 051

t^m¬ \w: 022-þ26573724/26573371; ^mIvkv: 022-þ26573719

Csa-bnÂ: [email protected], sh_vsskäv: www.bcsbi.org.in

13.1 Cu \nb-am-h-en-bpsS ]IÀ¸v e`-y-am-sW¶pw AXv F§s\ In«p-sa¶pw At]-£n-

¡p¶ ]£w ]IÀ¸v e -̀y-am-¡p-sa¶pw hni-Z-am-¡p¶ Adn-bn-¸p-IÄ R§-fpsS FÃm imJ-

I-fnepw R§-fpsS sh_vssk-änepw D−m-bn-cn-¡p-¶-Xm-Wv.

Page 45: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

14. \nb-am-h-en-bpsS ]p\-c-h-tem-I\w

Cu \nb-am-hen Htcm- c−p hÀjhpw- ]p\-c-h-tem-I-\-¯n\p hnt[-b-am-¡p-¶-Xm-Wv. ]p\-c-h-

tem-I\w \S-¯p-¶Xv kpXm-c-y-ambn coXn-bn Bbn-cn-¡pw.

Page 46: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

A\p-_Ôw: i_vZm-hen

FänFw

Hcp D]-t`m-àm-hn\v Xsâ ImÀUpw ]n³ \¼cpw \ÂIn, ]Wtam hnh-c-§tfm tkh-\-

§tfm e`n-¡p-¶-Xn-\mbn D]-tbm-Kn-¡m-hp-¶, kzbw {]hÀ¯n-¡p¶ bt{´m-]-I-c-WamWv

Hmt«m-am-säUv sSÃÀ sajo³ AYhm FänFw.

_m¦v Kym-cân

_m¦v AXnsâ CS-]m-Sp-Im-c\v th−n, Hcp aq¶mw I£n¡v, Pma-y-h-y-h-Ø-bn hy-à-am-¡n-

bn-«pÅ IS-a-IÄ ]men-¡p-¶-Xn CS-]m-Sp-Im-c³ hogvN-h-cp-¯p¶ ]£w AXn ]d-ªn-cn-

¡p-¶- XpI \ÂIm-sa¶v Dd-¸p sImSp-¡p¶ hmKvZm-\w.

_m¦nMv Hmw_p-Uvkvam³

hy-àn-IÄ¡v Nne _m¦nMv tkh-\-§-fnse A]-c-ym-]vX-X-bvs¡-Xnsc D−m-Im-hp¶ ]cm-

Xn-IÄ ssIIm-cyw sN¿p-hm-\mbn `mc-Xob dnkÀhv _m¦v cq]w-sIm-Sp¯ Hcp kz-X{´

XÀ¡ ]cn-lmc AtYm-dnän.

_nÃp-IÄ

ssIamä _nÃp-IÄ AsÃ-¦n t{]man-kdn t\m«p-IÄ t]mepÅ km¼-¯nI H¯p-XoÀ¸v

D]-I-c-W-§fmWv _nÃp-IÄ. e`yam-¡nb hkvXp-¡Ä¡v/\ÂInb tkh-\-§Ä¡v Hcp

hnÂ]-\-¡m-c³ Abm-fpsS D]-t`m-àm-hn-t\mSv ]W-sam-Sp-¡m³ Bh-i-y-s¸-Sp-¶-XmWv

ssIamä _nÃv. hm§p-¶-bmÄ e`n-¡p¶ km[-\-§Ä¡v/\nÀh-ln¨ tkh-\-§Ä¡v ]Ww

\ÂIp-¶-Xn-\pÅ Dd-¸n-\mbn hn¡p-¶-bmÄ¡v sImSp-¡p¶XmWv t{]man-kdn t\m«nsâ

cq]-¯n-epÅ _nÃv.

_n hm§Â/Ingn-hp-sN-¿Â

_n hm§Â/Ingn-hp-sN-¿Â F¶nh, DbÀ¶ Bh-i-y-IX/bqk³kv ssIamä _n DÅ

km[-\-§Ä hn¡p-¶-bmÄ¡v hmbv] \o«n\ÂIp¶ am\-§-fmWv. Bh-i-y-IXm _nÃp-IÄ

hne-bv¡p-hm-§s¸Sp-Ibpw bqk³kv _nÃp-IÄ Ingnhv sN¿-s¸-Sp-Ibpw sN¿p-¶p.

ImÀUv

km[-\-§Ä¡pw tkh-\-§Ä¡p-ambn ]Ww \ÂIp-hm\pw AXp-t]mse ]Ww ]n³h-en-¡p-

hm-\p-ambn Hcp D]-t`m-àm-hn\v D]-tbm-Kn-¡m-hp¶ GsX-¦nepw ¹mÌnIv ImÀUn-\pÅ

s]mXp-hmb kmt¦-XnI ]Zw. Cu \nb-am-h-en-bn FänFw, sU_n-äv, s{IUn-äv F¶o

ImÀUp-IÄ DÄs¸-Sp-¶p.

Page 47: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

Imjv s{IUnäv/HmhÀ{Um^väv

Hcp ISsaSp-¡p-¶-bmÄ¡v ap³Iq«n Hcp-¡nb ]cn-[n-¡p-Ån Bh-i-ym-\p-k-cWw ]Ww IS-

sa-Sp-¡p-hm³ kzm-X-{´-y-apÅ Hcp-Xcw hmbv]m kuI-c-y-am-Wv Imjv s{IUnäv/HmhÀ{Um v̂äv.

A¡u-−n-te¡v hmbv]-bpsS Hgp-¡p-−m-Ip¶]£w, A\p-h-Z-\ob ]cn-[n-¡p-Ån -\n-¶p

AbmÄ¡v ho−pw ]Ww ]n³h-en¡mw. AXp-t]m-se, ]cn[n Hcp Npän¡-d-§p¶ hmbv]m

tcJ-t]mse {]hÀ¯n-¡p-¶p. \ne-hnse \o¡p-_m-¡n¡v _m¦v ]eni CuSm-¡pw.

[\-\-jvS-§Ä

[\-\-jvS-§Ä F¶-Xp-sIm−v AÀY-am-¡p-¶Xv aqe-y£bw Hgn-sI-bpÅ sam¯w

\jvSamWv.

sN¡v tiJ-cW \bw

Hcp A¡u-−n hchp hbv¡p-hm-\mbn \nt£-]n-¡p¶ \m«n-sebpw ]pd-s¯bpw ]e-Xcw

sN¡p-I-fp-sSbpw {]am-W-§-fp-sSbpw Imc-y-̄ n _m¦v ]n´p-S-cp¶ \b-s¯-bmWv sN¡v

tiJ-cW \bw ]cm-aÀin-¡p-¶-Xv. Cu \bw, aäp ]e-Xnsâbpw Iq«-¯nÂ, Xmsg¸dbp¶h

ssIIm-cyw sN¿p-¶-p--:

• sN¡v hm§Â At]-£-IÄ

• sN¡p-I-fpsS hc-hp-h-bv¡-en-\pÅ ka-b-ssZÀLyw

• sN¡p-IÄ tiJ-cn-¡p-¶-Xn Ime-Xm-akw h¶m ]eni \ÂIÂ

• \m«n-sebpw ]pd-s¯bpw sN¡p-IÄ¡v DS-\Sn hc-hp-h-bv¡Â

• k©mcas²y sN¡v D]-I-c-W-§Ä \jvS-s¸-SÂ

\jvS-]-cn-lmc \bw

_m¦nsâ `mK-¯p-\n-¶pÅ {]hr¯nbpsS ^eamtbm hogvNsImt−m CS-]m-Sp-ImÀ¡v

D−m-tb-¡m-hp¶ km¼-¯nI \jvS-§Ä¡v \jvS-]-cn-lmcw \ÂIm³ _m¦v ]n´p-S-cp¶

\b-s¯-bmWv \jvS-]-cn-lmc \bw F¶p- ]-d-bp-¶-Xv.

hmbv]m kuI-c-y-§Ä/_m¦v hmbv]

Hcp XhWhmbv]-bpsS cq]-¯ntem HmhÀ{Um v̂äv AsÃ-¦n ]W-hmbv]bpsS cq]-¯ntem

_m¦n \n¶pw AXnsâ CS-]m-Sp-Im-c\v Hcp {]tXyI Imemh[n¡v e`n-t¨-¡m-hp¶

hmbv]m kuI-c-y-§fnse \ne-hn-epÅ _m¡n¡v Abm-fnÂ\n¶pw ]eni CuSm-¡p-Ibpw

sN¿pw.

Page 48: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

s{IUnäv C³^Àta-j³ I¼-\n-IÄ (kn-sF-kn-IÄ)

1956 se I¼\n \nbaw A\p-k-cn¨v cPn-ÌÀ sNbvX I¼-\n-I-fmWv s{IUnäv C³^À ta-

j³ I¼-\n-IÄ. Ahbv¡v `mc-Xob dnkvÀhv _m¦v Hcp kÀ«n-^n-¡äv H v̂ cPn-kv t{S-j³

\ÂIp-I-bp-−m-bn. AwK-§-fmb hmbv]m Øm]-\-§-fn \n¶pw hmbv]-sb-¸-än-bpÅ hnh-c-

§Ä tiJ-cn-¡p-¶-Xn\pw, hni-I-e-\-¯n\p tijw Ah AXnsâ AwK-§Ä¡pw FSp-¯p-]-

d-b-¯¡ D]-t`m-àm-¡Ä¡pw {]Nm-c-s¸-Sp-¯mhp-¶-Xn\pw Cu I¼-\n-Isf A[n-Im-c-s¸-Sp-

¯nbn«p−v.

Idâv A¡u−v

A¡u-−n-epÅ \o¡n-_m-¡nsb B{i-bnt¨m AsÃ-¦n k½-Xn¨ Hcp {]tX-yI XpIbnÂ

Ihnbm-sXtbm- F{X XhW thW-sa-¦nepw ]Ww ]n³h-en-¡p-hm³ Ign-bp¶ Unam³Uv

\nt£-]-̄ nsâ Hcp cq]w.

D]-t`m-àmhv

Hcp A¡u-−pÅ, AsÃ-¦n _m¦n \n¶v aäv DXv]-¶-§Ä/tkh-\-§Ä {]tbm-P-\-s¸-Sp-

¯p¶ Hcp FwF-kvC AsÃ-¦n AXnsâ AwKo-IrX {]Xn-\n-[n.

arXnbSª A¡u−v

GI-h-y-àn-KX A¡u−v tlmÄUÀ ac-W-a-Sª AYhm kwbpà A¡u-−p-I-fpsS

Imc-y-¯n-em-sW-¦nÂ, kwbpà A¡u−v tlmÄUÀam-cn Hcmtfm H¶n-e-[nIw t]tcm

ac-W-a-Sª Hcp \nt£] A¡u-−mWv arXnbSª A¡u-−v.

Unamäv A¡u-−p-IÄ

`u-Xn-tI-X-c-am¡n amänb A¡u-−n-s\-bmWv Unamäv A¡u-s−¶v hnh-£n-¡p-¶-Xv.

CXn \nt£-]-I-cpsS aqe-[\w Ce-Ivt{Sm-WnIv cq]-¯n-emWv kq-£n-¨n-cn-¡p-¶-Xv.

\nt£] A¡u-−p-IÄ

• ""k¼m-Zy \nt£-]-§Ä'' þ GsX-¦nepw Hcp \nÝnX Ime-b-f-hn-te¡v ]Ww ]n³h-

en-¡-ep-I-fpsS F®-¯n\pw ]n³h-en-¡p¶ XpIbv¡pw \nb-{´-W-§-tfm-Sp-IqSn

A\p-h-Zn-¡-s¸-«n-«pÅ Unam³Uv \nt£-]-¯nsâ Hcp cq]-amWv k¼m-Zy \nt£-

]§Ä.

• ""Ime-mh[-n \nt£-]-§Ä'' þ BhÀ¯nX \nt£-]-§Ä/{lk-z-Ime \nt£-]-

§Ä/Ønc \nt£-]-§Ä/amk-h-cp-am\ kÀ«n-^n-¡äv/ss{Xam-knI hcp-am\ kÀ«n-

^n-¡äv apX-em-bh DÄs¸-Sp-¶, \nÝnX Ime-b-fhv Ign-ª-Xn\p tijw am{Xw

Page 49: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

]n³h-en-¡m-\m-hp-¶Xpw Hcp \nÝnX Ime-b-f-hn-te¡v _m¦p-IÄ kzo-I-cn-¡p-¶-Xp-

amb \nt£-]-amWv Ime-mh[-n \nt£-]-§Ä.

• ""ap¶-dn-bn¸v \nt£-]-§Ä'' þ Hcp {]tX-yI Ime-b-f-hn-te-¡pÅh-bpw, F¶mÂ

Ipd-ª-]£w Hcp ]qÀW _m¦nMv Zn\-¯n\p ap¼m-sb-¦nepw Adn-bn¸v \ÂIn-bmÂ

]n³h-en-¡m-hp-¶-hb-pam-b \nt£-]-§Ä.

Ce-Ivt{Sm-WnIv ¢nb-dnMv tkh\w

_m¦pI-fn \n¶v/{_m©p-I-fn \n¶v ]W-sam-Sp-¡Â hnhcw Ce-Ivt{Sm-WnIv ssIamä

kmt¦-XnI hnZy D]-tbm-Kn¨v Hmt«m-ta-äUv ¢nb-dnMv lukn (F-kn-F-¨v) Hcp Ia-yq-Wn-

t¡-j³ s\ävhÀ¡neqsS Adn-bn-¡p¶ Hm¬sse³ kwhn-[m-\-amWv Ce-Ivt{Sm-WnIv ¢nb-

dnMv tkh\w (C-kn-F-kv) F¶p ]d-bp-¶-Xv.

Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À

C-F-^vän tkh\w e`-y-amb Øe-§-fnÂ, Hcp A¡u-−n \n¶pw asämcp A¡u-−n-

tebvt¡m, Hcp imJ-bn \n¶pw asäm¶ntebvt¡m CS-]m-Sp-ImÀ¡v XpI-IÄ amäp-hm-\pÅ

kuI-cyw _m¦p-IÄ¡v hmKvZm\w sN¿m³ BÀ_nsF Ah-X-cn-¸n¨ ]²-Xn-bmWv Ce-

Ivt{Sm-WnIv ^−vkv {Sm³kv^À (C-F- v̂än).

CI-znän

`uXn-Itam `uXn-tI-X-c-am-¡n-btXm Bb cq]-¯n I¼-\n-bpsS Hml-cn-sb¶ \ne-bne-

pÅ Hcp tImÀ]-tdäv Øm]-\-¯nsâ aqe-[-\-s¯-bmWv CI-znän F¶p-]-d-bp-¶-Xv.

^mIvS-dnMv

kzo-Im-c-y-am-b-hsb ssIIm-cyw sN¿p-¶-Xn-\m-bpÅ Hcp [\-Im-cy sXc-sª-Sp-¡Â BWv

^mIvS-dn-Mv. EW hnev]-\sb ]W-am¡n amäp¶ {]{In-b-bm-W-Xv.

kÀ¡mÀ t_m−v

s]mXp-P\ hmbv] kwL-Sn-¸n-¡m-\mbn tI{µ-¯n-setbm kwØm-\-¯n-setbm kÀ¡mÀ

\nÀ½n¨v ]pd-s¸-Sp-hn-¡p¶ Pma-yamWv kÀ¡mÀ t_m−v F¶-Xp-sIm−v AÀY-am-¡p-¶-Xv.

Kym-cân

Hcp hyàn \ÂIp¶ hmKvZm\w

Page 50: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

A\pNnXam-b A¡u-−p-]-tbmKw

A¡u-−n Bh-i-y-̄ n\v ]W-an-Ãm-Xn-cns¡ sN¡v sImSp-¡p-¶Xv; A¡u-−n-te¡pw ]pd-

t¯-¡pw DÅ sN¡p-IÄ BhÀ¯n¨v XncnsI hcp-¶Xv; A¡u-−n \n¶v A-[n-Iam-bn

]Ww ]n³h-en-¡p--¶Xv, AsÃ-¦n A¡u−v DSa AwKo-I-cn¨ hmbv]m ]cn[n ewLn--

¡p¶Xv; sIsshkn \S-]-Sn-{I-a-§Ä ]men-¡m-Xn-cn-¡p¶Xv; CS-]m-Sp-Im-c³ Ir{Xn-a-w/A]-

cm[w AsÃ-¦n Ir{Xn-a-Xzw Im«m-\pÅ Dt±-i-yw {]I-Sn-¸n-¡p¶Xv, 2002 - se ]nFw-FÂF

\nb-a-¯n\v Bkv]-Z-amb kwi-b-I-c-amb CS-]m-Sp-IÄ/IÅ-¸W{]hÀ¯-\-§fnÂ

GÀs¸Sp¶Xv F¶nh A¡u-−nsâ Zpcp-t]m-b-K-¯n\v ZrjvSm-´-§-fm-Wv.

seäÀ Hm^v s{IUnäv

seäÀ Hm v̂ s{IUn-än {]kvXm-hn-¨n-cn-¡p¶ tcJ-IÄ kaÀ¸n-¡p¶ apdbv¡v KpW-t`m-

àmhn\v ]Ww \ÂI-W-sa¶v \nÝbw sN¿p¶Xpw ]n³hen-¡m-\m-hm¯Xpam-b

hmKvZm\apÅ _m¦v ]pd-s¸-Sp-hn¨ Hcp tcJ.

sabnÂ

`uXoI cq]-¯ntem Ce-Ivt{Sm-WnIv cq]-¯ntem DÅ Hcp I¯mWv sabnÂ.

hym-]mcn tkh-\-§Ä

s{IUnäv/sU_näv ImÀUp-IÄ D]-tbm-Kn¨v ]W-sam-Sp-¡p-IÄ \S¯p¶Xv kzo-I-cn-¡p-hm³

hym-]mc, tkh\ Øm]-\-§Ä¡v A\p-h-Zn-¨n-«pÅ hym-]mcn A¡u-−p-Isf s]mXpsh

hym-]mcn tkh-\-§Ä F¶v ]d-bp-¶p. ImÀUv sSÀan-\-en-eqsS Iu−-dn ImÀUp-IÄ kzo-

I-cn-¡-s¸-Sp¶p, AXm-bXv t]mbnâv Hm^v skbv (]n-H-F-kv) D]-I-c-W-§tfm t^m¬

apJm-´-ctam C³Às\täm hgntbm.

kq£va, sNdp-InS kwcw- -̀§Ä

\nÀ½mW, tkh\- \nÀh-lW {]hÀ¯-\-§-fn GÀs¸-«n-cn-¡p¶ kwcw- -̀§-sf-bmWv

kq£va, sNdp-InS kwcw- -̀§Ä F¶p ]d-bp-¶-Xv.

Hcp kq£va kwcw-`-¯ns\ C{]-Imcw \nÀh-Nn¡mw:

GsX-¦nepw hy-h-km-b-hp-ambn _Ô-s¸« km[-\-§-fpsS \nÀ½mW, DXv]m-Z\ {]hÀ¯-\-

§-fn-teÀs¸-«n-cn-¡p¶Xpw, ]Wn-im-ebv¡pw D]-I-c-W-§Ä¡p-ambpÅ \nt£]w 25 e£w

cq]-bn Ihnbm-¯-Xp-amb Hcp kwcw-`w

AsÃ-¦nÂ

Page 51: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

D]-I-c-W-§Ä¡mbpÅ \nt£]w 10 e£w cq]-bn Ihnbm-¯¯-, tkh-\ \nÀh-l-W-

¯n GÀs¸-«n-cn-¡p¶ Hcp kwcw-`w.

Hcp sNdp-InS kwcw- -̀¯ns\ C{]-Imcw \nÀh-Nn¡mw:

GsX-¦nepw hy-h-km-b-hp-ambn _Ô-s¸« km[-\-§-fpsS \nÀ½mW, DXv]m-Z\ {]hÀ ¯-\-

§-fn-teÀs¸-«n-cn-¡p¶Xpw ]Wn-im-ebv¡pw D]-I-c-W-§Ä¡p-ambpÅ \nt£]w 25 e£w

cq]-bn IqSp-Xepw F¶m A©p tImSn cq]-bn Ihnbm-¯-Xp-amb Hcp kwcw-̀ w.

AsÃ-¦nÂ

tkh\- \nÀh-lW {]hÀ¯-\-§-fn GÀs¸-«n-cn-¡p¶Xpw, D]-I-c-W-§Ä¡mbpÅ

\nt£]w 10 e£w cq]-bn IqSp-Xepw F¶m c−p tImSn cq]-bn Ihnbm-¯-Xp-amb

Hcp kwcw-`w.

tZiob Ce-Ivt{Sm-WnIv [\ssIamäw

Hcp _m¦v imJ-bn \n¶v cmP-ys¯ atäsXmcp _m¦v imJ-bn-te¡pw [\w ssI amäw

sN¿m-\pÅ kuI-c-y-sam-cp-¡p¶ tZi-h-ym-]I [\ssIamä kwhn-[m-\-s¯-bmWv \mj\Â

Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³.-C.-F- v̂.-än.) kwhn-[m\w F¶p-]-d-bp-¶-Xv.

Ak hne

aqe-[-\-hpw kz-X{´ tiJ-c-hpw Iq«n-¡n-«p¶ XpI-bn- \n¶v, Iq¶pIqSn-b \jvS-§Ä

Ipdbv¡pt¼mÄ e`n¡p¶ XpI-bmWv Ak hne.

\ma-\nÀt±i kuI-cyw

\ma-\nÀt±i kuI-cyw Hcp _m¦ns\ CÆn[w kÖ-am-¡p¶p: ac-W-a-Sª \nt£-]-I³,

Abm-fpsS t]cnepÅ A{Xbpw ]Ww \ma-\nÀt±iw sNbvXn-cn-¡p¶ hy-àn¡v \ÂIm³;

_m¦nsâ ssIhiapÅXpw ac-W-a-Sª hy-àn-bptSXpamb km[-\-§Ä \ma-\nÀt±iw

sN¿-s¸-«n-cn-¡p¶ hy-àn¡v aS¡n \ÂIm³; hy-àn- ac-W-s¸-Sp¶ kw`-h-§-fn At±lw

hmS-I-bvs¡-Sp¯ tk^vän tem¡-dnse km[-\-§Ä \ma-\nÀt±iw sN¿-s¸-«n-cn-¡p¶ Ah-

Im-in¡v \ÂIm³.

[t\-X-cm-Sn-Øm-\-¯n-epÅ kuI-cyw

CS-]m-Sp-Im-c³ Cu kuI-c-y-§Ä {]tbm-P-\-s¸-Sp-¯p-t¼mÄ _m¦n \n¶v XpI-IÄ ]pd-

t¯bv¡v t]mIp-¶nÃmsb¦nepw, Cu kuI-c-y-§Ä D]-tbm-Kn-¡p-¶Xn-eqsS \S-¯p¶

{]Xn-_-²-X-Isf A\m-Z-cn-¡p-¶-Xp-aqew Ah ]n¶o-sSm-cp-\mÄ km¼-¯nI _m[-y-X-bmbn

Jccq]w {]m]n-¡p¶Xpamb H¶mWv _m¦p-IÄ \ÂIp¶ [t\-X-cm-Sn-Øm-\-¯n-epÅ

kuI-cyw.

Page 52: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

BZmbP\yaÃm¯ BkvXn

Fhn-sS-bmtWm AhnsS Hcp hmbv] AsÃ-¦n ap³IqÀXpI Xmsg-¸-d-bp-¶h BIp-¶Xv

AXn-s\-bmWv BZmbP\yaÃm¯ BkvXn (F³]n-F) F¶p-]-d-bp-¶-Xv.

i) Hcp XhW hmbv]-bn-t·Â ]eni H¸w/AsÃ-¦n apX-ensâ XhW 90 Znh-k-

¯n-e-[nIImew XhW sXän-bn-cn-¡p-¶Xv

ii) Hcp HmhÀ{Um^väns\/Iymjv s{IUnäns\ (HUn/knkn) kw_-Ôn-¨n-S-t¯mfw

A¡u−v "icn-bmbn {]hÀ¯n-¡m¯Xv' Bbn XpS-cp-¶Xv

iii) hm§n-btXm Cfhv hcp-¯n-btXm Bb _nÃp-I-fpsS Imc-y-¯n 90 Znh-k-¯n-e-

[nIImew _nÃnsâ XhW sXän-bn-cn-¡p-¶Xv

Hdn-Pn-t\-äÀ

CS-]m-Sp-Im-csâ \nÀt±-im-\p-k-cWw Abm-fpsS A¡u-−n \n¶pÅ AS-hp-IÄ tiJ-cn-

¡p¶ Hcp Øm]-\w.

aäv kpc£m hnh-c-§Ä

A¡u−v D]-tbm-Kn-¡p¶ ka-b¯v Xncn-¨-dn-b-en-\mbn D]-tbm-Kn-t¨-¡m-hp¶ kz-Im-cy

hkvXp-X-I-fpsSbpw hnh-c-§-fp-sSbpw Hcp Xnc-sª-Sp¸v (D-]-t`m-àmhv Adn-bp¶ {Ia-

¯nÂ).

Ime-l-c-W-s¸« (]-g-©-\mb) sN¡v

hnX-cWw sNbvX Xob-Xn¡v aq¶-p- am-k-¯n\p tijw tiJ-c-W-¯n-\mbn kaÀ¸n-¡-s¸«

Hcp sN¡v.

"{Iahn-cp²w' Bb AhØ

IpSn-Èn-I-bmb \o¡n-_m¡n XpSÀ¨-bmbn A\p-h-Z-\ob ]cn-[n-bnepw/]n³h-en-¡Â tijn-

bnepw A[n-Iambn XpS-cp-I-bm-sW-¦n B A¡u-−ns\ "{Iahn-cp²w' Bbn ssIIm-cyw

sN¿m-hp-¶-Xm-Wv. {]hÀ¯n-¡p¶ apJy A¡u-−n IpSn-Èn-I-bmb \o¡n-_m¡n, A\p-h-Z-

\ob ]cn-[n-bnepw/]n³h-en-¡Â tijn-bnepw Ipdhpw AtX-k-abw _m¡n ]{X¯nse

XobXn {]Imcw XpSÀ¨-bmbn 90 Znh-k-§Ä bmsXmcp s{IUnäpw CÃm-Xn-cn-¡p-Itbm,

AtX Ime-b-f-hn GÀs¸-Sp-¯nb ]enisb DÄs¡m-Åm³ X¡ s{IUnäv D−m-ImXn--cn-

¡p-Itbm sN¿p¶ ]£w, C¯-cw A¡u-−p-Isf "{Iahn-cp²w' Bbn IW-¡m-¡-Ww.

Page 53: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

Ah[n hfsc IgnªXv

_m¦v Dd-¸n¨ XhW Xob-Xn-¡p-Ån hmbv]m kuI-c-y-¯n³ Iogn-epÅ GsX-¦nepw

XpI AS-bv¡p-¶-Xn hogvN-h-cp-¯p-I-bm-sW-¦n AXv "Ah[n hfsc IgnªXv' Bbn

IW-¡m-¡pw.

]m³ (]n.-F.-F³.)

`mcX kÀ¡m-cnsâ C³Iw SmIvkv hIp¸v A\p-h-Zn-¡p-¶, ]¯v A£-c-§-fpÄs¸«, C´y-

bn-em-I-am\w _m[-I-amb Hcp khn-tij kwJ-y-bmWv s]Àa-\âv A¡u−v \¼À. eman-

t\äv sNbvX ImÀUnsâ cq]-¯n-emWv CXv hnX-cWw sN¿p-¶-Xv. ssIh-i-¡m-csâ taÂhn-

emkw amdn-bmepw AsÊÊ-nMv Hm^o-kÀ amdn-bmepw Cu ImÀUv amdmsX Ømbn-bmbn

\ne-sIm-Åp-¶-Xm-Wv.

]mkvthUv

Hcp t^mtWm CâÀs\äv _m¦nMv tkh-\tam D]-tbm-Kn-¡p-hm-\pÅ A\p-a-Xn-¡mbn D]-

t`m-àmhv kzbw Xnc-sª-Sp¯ {]th-i-\ hmt¡m A¡-§tfm Ch-bpsS k¦-e-\tam

BWv ]mkvthUv. CXv Xncn-¨-dn-b-en-\mbpw D]-tbm-Kn-¡p-¶p.

]Ww \ÂIepw H¯p-XoÀ¸m-¡epw kwhn-[m\w

km[m-c-W-bmbn [\-Im-cy Øm]-\-§Ä¡n-S-bn sU_n-äp-Ifpw s{IUn-äp-Ifpw ssIamäw

sN¿p-¶-Xn-eqsS ]W-¯nsâ hnX-c-W-¡mÀ¡pw D]-tbm-àm-hn-\p-an-S-bn ]Ww ssIamäw

sN¿p-¶-Xn-\pÅ amÀK-§Ä krj-Sn-¡p¶ km¼-¯nI kwhn-[m-\-§-fmWv ]Ww \ÂIepw

H¯p-XoÀ¸m-¡epw kwhn-[m-\w.

]n-³ (]n.-sF.-F³.)

Hcp cl-k-y-kw-J-y-bmb Cu \¼À Hcp ImÀUn-t\m-sSm¸w D]-tbm-Kn-¡p-¶-Xn-eqsS hkvXp-

¡Ä¡v/tkh-\-§Ä¡v ]Ww \ÂIm\pw, ]Ww ]n³h-en-¡m\pw, _m¦v hmKvZm\w

sN¿p¶ aäv Ce-Ivt{Sm-WnIv tkh-\-§Ä D]-tbm-Kn-¡m\pw CS-]m-Sp-Imsc A\phZ-n ¡p¶p.

dnb ssäw t{Kmkv skänÂsaâv

BÀ.-än.-Pn.-F-kv. F¶ Npcp-s¡-gp¯v dnb ssäw t{Kmkv skänÂsaâv F¶-Xn-s\-bmWv

{]Xn-\n-[o-I-cn-¡p-¶-Xv. _m¦nMv Nm\Â hgn ]Ww ssIamäw sN¿m-\pÅ Gähpw thK-X-

tb-dnb amÀKamWv BÀ.-än.-Pn.-F-kv. kwhn-[m\w hmKvZm\w sN¿p-¶Xv. H¶n-s\m¶v F¶

ASn-Øm-\-¯n-emWv BÀ.-än.-Pn.-F-kn\p Iogn CS-]m-Sp-IÄ XoÀ¸m-¡p-¶-Xv. AXm-bXv

bmsXmcp Im¯n-cn-¸nsâbpw ka-b-an-ÃmsX "bYmÀ° ka-b-¯n-\p-ÅnÂ' "t{Kmkv' AYhm

sam¯w XoÀ¸m-¡Â kw`-hn-¡p-¶p.

Page 54: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

bpà-ambXv

bpàn-Nn-´-bmtem _p²n-]qÀh-I-amb Btem-N-\-bmtem \nb-{´n-¡-s¸-Sp-Itbm AXp-ambn

s]mcp-¯-s¸-«p-t]m-Ip-Itbm sN¿Â; kmam-\-y-_p²n-bpsS AXn-cp-IÄ¡p-Ån Bbn-cn-

¡Â; A[n-Itam Xo{htam BIm-Xn-cn-¡Â.

XncnsIssIh-i-s -̧Sp-¯Â

ISw hm§nb BÄ hy-hØIÄ {]Imcw hmbv] Xncn-¨-S-¨n-sÃ-¦nÂ, hotSm hkvXp-¡tfm

(DZm: ImÀ) Pma-y-ambn kzo-I-cn-¨p-sIm−v ISw sImSp-¯-bmÄ, Pma-y-h-kvXp-¡-fpsS ssIh-

im-h-Imiw FSp-¡p-¶-XmWv XncnsI ssIh-i-s¸-Sp-¯Â.

]p\-c-[n-hmk ]mt¡Pv

]oUnX LS-Is¯ ]p\-c-[n-h-kn-¸n-¡p-¶-Xn-\mbn X¿m-dm-¡nb ]mt¡-Pn-s\-bmWv ]p\-c-[n-

hmk ]mt¡Pv F¶v ]d-bp-¶-Xv. BÀ_nsF \n_-Ô-\-IÄ¡-\p-kr-X-ambn thWw

]mt¡Pv X¿m-dm-¡m³. AXn Xmsg-¸-d-bp¶ Imc-y-§Ä km[m-cW DÄs¸-«n-cn¡pw:

i) {Iao-I-cW amÀK-\nÀt±-i-§Ä¡-\p-kr-X-amb \nc-¡n-epÅ ]en-i-bn Cf-h-\p-h-

Zn-¨p-sIm-−pÅ {]hÀ¯\ aqe-[\w

ii) ]eni [\-k-lm-b-apÅ XhW hmbv]

iii) {]hÀ¯\ aqe-[\ XhW hmbv]

iv) XhW hmbv]

v) ASn-b-´c hmbv]m klmbw

kvamÀ«v ImÀUp-IÄ

hnh-c-§Ä ssIIm-cyw sN¿m³ Ign-bp¶ ssat{Im- Nn¸v DÅn LSn-¸n-¨n-«p-ÅXpw, Hcp

s{IUnäv ImÀUn-t\mfw hen-¸-ap-Å-Xp-amb ¹mÌnIv ImÀUmWv kvamÀ«v ImÀUv. CXv Xncn-¨-

dn-bÂ, B[n-Im-cn-I-am-¡Â, hnhc kw -̀cWw F¶o amÀK-§Ä hfsc kpc-£n-X-ambn e`-y-

am-¡p-¶p. t^m¬ hnfn-¡m\pw Ce-Ivt{Sm-WnIv ]W-a-S-bv¡-ep-IÄ¡pw aäv Bhiy

§Ä¡pw D]-tbm-Kn-¡m-hp-¶-Xm-Wv.

]Wbw

Hcp hmbv]bvt¡m aäv _m[-y-Xbvt¡m ]n´p-WtbIp¶ BkvXn-Isf {]Xn-\n-[m\w sN¿p-

¶p. hmbv]-bn-t·Â ISw hm§p-¶-bmÄ apS¡w hcp-¯p¶ ]£w, hmbv] \ÂIp¶

Page 55: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

_m¦n\v Cu BkvXn-I-fn-t·Â Int«− XpI-bv¡p ]-Icambn Ah-Im-i-hmZw D¶-bn-¡m-hp-

¶-Xm-Wv.

{]mY-anI ]Wbw F¶Xv ISwhm§p¶-bmÄ¡v e`-y-am-¡p¶ hmbv]m kuI-c-y-¯n \n¶v

cq]w-sIm-Sp¯ BkvXn-bmWv. {]mY-anI ]Wbw, H¸w/AsÃ-¦nÂ, hmbv]m kuI-cyw \o«n-

bn-cn-¡p-¶Xv F´n-\mtWm B hym-]m-chpambn/ISw-hm-§p-¶-bm-fpsS ]²Xn bpambn

t\cn«v _Ô-s¸-«n-cn-¡pw.

taÂ]-dª hmbv]m kuI-c-y-¯n-\mbn hmKvZm\w sN¿p¶ atä-sXmcp ]W-b-s¯bpw

]mÀi-zkvY ]Wbw F¶v ]d-bp-¶p. DZm-l-c-W-am-bn, B`-c-W-§-fpsS Nq−n-¸-W-bw, hoSv

Hän-sIm-Sp-¡Â apXembh)

tkh-\-§Ä

i) kq£va, sNdp-InS kwcw-`-§sf kw_-Ôn-¨n-S-t¯m-fw, tkh-\-§Ä F¶-Xp-

sIm−v AÀY-am-¡p-¶Xv, sNdnb tdmUp--Pe -K-Xm-KXw \S¯p¶hÀ, sNdp-InS hym-

]m-c-nIÄ, s{]m -̂j-W-ep-Ifpw kzbw sXmgn sN¿-¶h-cpw, ]ns¶ asäÃm tkh\

kwcw- -̀§fpamWv.

ii) ]Ww HSp¡Â (Un-Un-IÄ, Fwän-IÄ, än-än-IÄ apX-em-b-h-bpsS hnX-c-Ww),

]Ww kzo-I-cn-¡epw sImSp-¡-epw, ]Ww ssIamäw sN¿Â, hntZ-i-\m-Wb hn\n-

abw apX-embh DÄs¸« _m¦p-IÄ Ah-bpsS CS-]m-Sp-ImÀ¡v \ÂIp¶ hy-X-y

kvX tkh-\-§Ä.

]oUnX LSIw

Bdp amk-¡m-e-¯n-te-sd-bmbn XmW-\n-e-hm-c-¯n XpS-cp-¶ A¡u-−pÅ LS-I-s -̄,

AsÃ-¦n Ignª A¡u-−nMv hÀj-¯n Ak aqe-y-¯nsâ 50 iXam\ t¯mfw

ASn-ªp-Iq-Snb [\-\-jvS-§Ä ImcWw Ak aqe-y-¯n tNmÀ¨ hcnIbpw B LSIw

Ign-ª c−p-hÀj-¡mew hmWn-Py DXv]m-Z\w \S-¯n-s¡m-−n-cn-¡p-Ibpw sN¿p-I-bm-sW-

¦n AXns\, ]oUnX LSIw F¶v ]d-bp-¶p.

\ne-hmcw IpdªXv

]{´t−m AXn Xmsgtbm amk-§Ä BZmbP\yaÃm¯Xv (F³]nF) Bbn XpSÀ¶

BkvXn--bmWv \ne-hmcw Ipdª BkvXn.

Np¦¸«nI

D]-t`m-àm-¡Ä¡v e`-y-am-¡p¶ DXv]-¶-§Ä¡pw tkh-\-§Ä¡pw _m¦v GÀs¸-Sp-¯n-bn-

cn-¡p¶ \nc-¡p-Isf hni-Z-am-¡p-¶-XmWv Np¦-¸-«n-I.

Page 56: Code of Bank's Commitment · Ce-Ivt{Sm-WnIv ^−vkv {Sm³kv^À (F³CF^vän) t]mepÅ FÃm-hn[ Ce-Ivt{Sm-WnIv CS-]m-Sp-Ifpw asä-s´-¦nepw coXn-Ifpw. kn. kÀ¡mÀ CS-]m-Sp-I-fp-ambn

aS-¡nb sN¡v

]Ww \ÂImsX _m¦v Xncn-¨-bbv¡p¶ (a-S-§n-h-cp¶) sN¡mWv CXv.

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