Unified Directive 2080 - Final Upload 3 PDF

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ffiq Erqtqq srg{rcr, oroqrd r \. tqrq nq Erfi' st{ ;i. : YYllqoY/{/e Website: www.nrb.org.np 5u'rft yunft tfirr{r E-mail : psdept @nrb.org.np Frfu :- \oco / oc / oY a-{. qbj- Tfirfrffift +,rf Ti er$rkrmeTw r*qr6{ r t{sq : Ttr'rft yurrftc+mft q+t6:il fttrrr, Roe o "11-ft qrcfr Il-ETrtF{T I q-6[qTr[, +.r{ rrf rq +6qrc u-lutomrrw v*Errffirt rrRq+}\u.rfr sqrfi-flq{ft , Rogq, ( qq htqm rrtq6r qd frtqrq nqr Tqrftr+q+ft qfr+.effir;t,.fur T{frr{, at'{ u, (r5rsrE **ql orffi Frtqro M: 1. fr +nq vrsr,r, qef qqlqq ffi{ *r q+enqq rareTrqr R. ,fi tqm q +fi, rnrffi +rqtqq r t. ,fi fuFil q r +s, fu a*rT ffiq {eTr fuqr{ foap1 I v. sft tTre {rg ++, +o gvR?erur hrnrr r {. fr iqm nq t+, ffi h{Fr v 12 months) Value Number Grand Total Value POS Number QR Merchant PAN Number NON PAN Number 39  cg';"rL !)=!=( Transaction Report of Payment Service Provider's Agent Over The Counter Transaction Type - Amount In The Reporting Total Amount In the Agent Wallet Period Agent Agent S.N. Sub- Previous Bill Payments Code Name P2P Transfer Cash Cash agents Reporting Period Current Reporting Including Others Total (Agent Transfer) In Out Balance Period Balance Top-up 40  cg';"rL !)=!=!) Transaction Report of Payment System Operator Greater than Types of Upto 5,000 5,000 - 10,000 10,000 - 25,000 25,000 - 50,000 50,000 - 100,000 1,00,000 Total Category Channel Number Value Number Value Number Value Number Value Number Value Number Value Number Value On-Us ATM Off-Us On-Us POS Off-Us On-Us QR Off-Us On-Us Mobile/Internet Off-Us On-Us Other Channel Off-Us *ON-Us: Issuer and Acquirer are same. *OFF-Us: Issuer and Acquirer are different; to be reported from issuer side only 41  cg';"rL !)=!=!! Transaction Report of Payment System Operator Mobile/ Types of Transaction Category ATM POS QR Other Internet On-Us Number of Successful Non-Financial Transaction Off-Us On-Us Number of Failed Financial Transaction Off-Us On-Us Number of Failed Non-Financial Transaction Off-Us *ON-Us: Issuer and Acquirer are same. *OFF-Us: Issuer and Acquirer are different; to be reported from issuer side only 42  cg';"rL !)=!=!@ Transaction Report of Clearing House Types of Upto 25,000 25,000 - 200,000 200,000 - 2,000,000 2,000,000 -10,000,000 10,000,000 -500,000,000 >500,000,000 Total Transaction Instrument Number Value Number Value Number Value Number Value Number Value Number Value Number Value NPR - Total Presented NPR - Rejected GBP- Total Presented GBP- Rejected Cheque - USD - Total Presented Paper USD - Rejected EUR - Total Presented EUR - Rejected Total Unwind NPR - Total Presented NPR - Rejected GBP- Total Presented GBP- Rejected IPS USD - Total Presented USD - Rejected EUR - Total Presented EUR - Rejected NPR - Total Presented ConnectIPS NPR - Rejected Total Unwind 43  cg';"rL !)=!=!# Number of Transactions Reported to Financial Intelligence Unit (FIU) Particulars Number of Transactions Threshold Transactions Reporting (TTR) Suspicious Transactions Reporting (STR) Suspicious Activity Reporting (SAR) 44  g]kfn /fi6« a}+s e'QmfgL k|0ffnL ljefu c=k|f=lgb]{zg g+=!!÷)*) ;+:yfut ;'zf;g;DaGwL Joj:yf o; a+}saf6 cg'dltkqk|fKt e'QmfgL;DaGwL sfo{ ug]{ ;+:yf -a}+s tyf ljQLo ;+:yf afx]s_ n] kfngf ug'{kg]{ ;+:yfut ;'zf;g;DaGwdf e'QmfgL tyf km:of}{6 P]g, @)&% sf] bkmf $% n] lbPsf] clwsf/ k|of]u u/L b]xfosf lgb]{zg hf/L ul/Psf] 5. 1= ;~rfnsn] kfngf ug'{kg]{ cfr/0f;DaGwL Joj:yf -1_ ;~rfnsn] sfo{ef/ ;DxfNg'eGbf klxn] cfˆgf] ;+:yf;Fu Jofj;flos :jfy{ eP gePsf] ljifodf ;~rfns ;ldltnfO{ lnlvt ?kdf hfgsf/L u/fpg'kg]{ 5. -2_ ;~rfns tyf ;+:yfks z]o/wgLn] cfkm" ;Da4 ;+:yfaf6 s'g} klg k|sf/sf] k]ZsL tyf C0f÷;fk6L ;'ljwf lng kfpg] 5}g. -3_ ;+:yfsf] a}+s vftf ;~rfng ug]{ tyf ;+:yfsf] tkm{af6 kqfrf/ ug]{ nufotsf sfo{ ug]{ u/L ;~rfnsn] ;+:yfsf] b}lgs sfdsf/afxLdf x:tIf]k ug{ / ;+nUg x'g kfpg] 5}g. -4_ ;~rfns k|ToIf jf ck|ToIf ?kdf cfˆgf] ;+:yfsf] lxt ljk/Lt x'g] s'g} klg lsl;dsf] ultljlwdf ;+nUg x'g kfpg] 5}g. -5_ ;~rfnsn] cfˆgf] clwsf/ If]q gf3L u/]sf] s'g} klg sfdsf/afxL k|lt JolQmut ?kdf cfkmF} pQ/bfoL x'g'kg]{ 5. -6_ o; a}+saf6 cg'dltkq÷Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf, dlgr]Gh/, ljk|]if0f sDkgL, e'QmfgL ;]jf k|bfos, e'QmfgL k|0ffnL ;~rfnsdf ;~rfns÷kbflwsf/L sf] ?kdf axfn /x]sf] JolQm Ps} k6s cGo e'QmfgL;DaGwL sfo{ ug]{ ;+:yfdf k|ltlglwTj ug{ jf s'g} klg kbdf axfn /xg kfpg] 5}g. t/ s'g} cg'dltkqk|fKt ;+:yfdf e'QmfgL;DaGwL sfo{ ug]{ csf]{ ;+:yfsf] nufgL /x]sf] cj:yfdf nufgLstf{ ;+:yfsf] tkm{af6 sd{rf/Ln] nufgL /x]sf] ;+:yfsf] ;~rfns ;ldltdf k|ltlglwTj ug{ tyf g]kfn ;/sf/ jf o; a}+sn] lgo'Qm u/]sf] cj:yfdf pko{'Qm Joj:yfn] jfwf k'u]sf] dflgg] 5}g. -7_ ;~rfnsn] ;+:yf ;Da4 sf/f]af/sf] ;"rgfx¿sf] uf]klgotf sfod ug'{kg]{ 5. -8_ ;~rfnsx¿af6 o; lgb]{zgdf tf]lsPsf cfr/0fx¿sf] kfngf;DaGwL ljj/0f ;+:yfn] jflif{s k|ltj]bgdf pNn]v ug'k{ g]{ 5. 45 2= ;~rfns ;ldltsf] st{Jo / pQ/bfloTj -1_ ;~rfns ;ldltn] k|rlnt sfg'g tyf o; a}+ssf] lgb]{zgsf] cwLgdf /xL ;+:yfsf] ;]jf ;~rfngsf] nflu cfjZos gLlt tyf sfo{ljlw th'{df u/L nfu' ug'{kg]{ 5. -2_ ;~rfns ;ldltn] k|rlnt sfg'g / o; a}+saf6 hf/L ePsf gLlt, lgb]{zg tyf lgodgsf] kl/kfngf eP÷gePsf];DaGwdf lgoldt cg'udg x'g] Joj:yf ldnfpg'kg]{ 5. -3_ ;~rfns ;ldltsf ;b:ox¿n] e'QmfgL k|0ffnL;DaGwL k|rlnt P]g, sfg'g, ljlgodfjnL, lgb]{zg cflbsf] 1fg÷hfgsf/L /fVg'kg]{ 5 / ;f]sf] k"0f{ kfngf ug'{kg]{ 5. -4_ ;~rfns ;ldltsf] a}7s jif{df sDtLdf ^ k6s a:g' kg]{5. t/ b'O{ a}7ssf] aLrsf] cGt/ b'O{ dlxgfeGbf a9L x'g] 5}g. -5_ ;~rfns ;ldltn] slDtdf jif{sf] Psk6s hf]lvd Joj:yfkgsf] nflu sfof{Gjogdf NofPsf] cfGtl/s lgoGq0f k|0ffnL / hf]lvd Joj:yfkg dfkb08sf] ;ldIff ug'{kg]{ 5. -6_ ;~rfns ;ldltdf x]/km]/ x'Fbf & lbgleq o; a}+snfO{ hfgsf/L lbg'kg]{ 5. 3= sfo{sf/L k|d'vsf] lgo'lQm;DaGwL Joj:yf -1_ ;+:yfsf] ;~rfns ;ldltn] k|rlnt gLltut Joj:yfadf]lhd x'g] u/L ;+:yfsf] sfo{sf/L k|d'vsf] lgo'lQm ug'{kg]{ 5. -2_ sfo{sf/L k|d'vsf] lgo'lQm ul/Psf]df, sfo{sf/L k|d'vn] /flhgfdf lbPdf, avf{:t ePsf]df jf cGo s'g} sf/0fn] kbd'Qm ePsf] cj:yfdf ;+:yfn] & lbgleq o; a}+snfO{ hfgsf/L lbg'kg]{ 5. -3_ sfo{sf/L k|d'vn] cfk"m sfo{/t ;+:yf afx]s cGo s'g} klg ;+:yfdf k"0f{sfnLg ?kdf lgoldt kfl/>lds lng] u/L sfd ug{' x'Fb}g. -4_ sfo{sf/L k|d'v lgo'Qm ug]{ l;nl;nfdf kfl/>lds / cGo ;'ljwf nufotsf laifodf s/f/ ;Demf}tf ubf{ ;]jf ;'ljwf;DaGwL zt{x¿ ls6fgL u/L :ki6 ?kdf pNn]v ug'{kg]{ 5. o;/L s/f/ ;Demf}tf ubf{ æsd{rf/L ljlgodfjnLadf]lhd x'gÆ] h:tf yk JofVofTds zAbfjnL k|of]u ug{ kfO{g] 5}g. -5_ sfo{sf/L k|d'v kb l/Qm ePsf] tLg dlxgf leq kbk"lt{ ul/;Sg' kg]{5. -6_ ;+:yfdf sfo{sf/L k|d'v nuftf/ & lbg jf ;f] eGbf a9L cjlwsf] nflu ljbf a:g] ePdf jf d'n's aflx/ hfg] ePdf o; a}snfO{ hfgsf/L lbg'kg]{ 5. 46 4= sd{rf/L Joj:yfkg tyf cfr/0f;DaGwL Joj:yf -s_ sd{rf/L Joj:yfkg;DaGwL Joj:yf -1_ ;+:yfn] sd{rf/L ;]jf, zt{ / ;'ljwf;DaGwdf pko'Qm gLlt th'{df u/L nfu" ug'{kg]{ 5. -2_ sd{rf/Ln] kfngf ug'{kg]{ Go"gtd cfr/0f;DaGwdf ;bfrf/ gLlt (Code of Conduct) th'{df u/L nfu" ug'{kg]{ 5. -3_ ;+:yfdf sfo{/t sd{rf/LnfO{ Jofj;flos :jfy{ hf]l8Psf] cGo s'g} klg ;+:yfdf sfddf nufpg kfOg] 5}g. -4_ ;+:yfn] cfˆgf sd{rf/Lx¿sf] ;Dk"0f{ kIfsf] hfgsf/Lsf] nflu Know Your Employee (KYE) ;DaGwL gLltut Joj:yf u/L nfu" ug{'kg]{ 5. -v_ sd{rf/Lx¿n] kfngf ug'{kg]{ cfr/0f;DaGwL Joj:yf -1_ sd{rf/Lx¿n] ;+:yfn] hf/L u/]sf] cfr/0f;DaGwL Joj:yf kfngf ug'{kg]{ 5. -2_ sd{rf/Lx¿ k|ToIf jf ck|ToIf ?kdf ;+:yfsf] lxt ljk/Lt x'g] s'g} klg lsl;dsf] ultljlwdf ;+nUg x'g' x'Fb}g. -3_ sd{rf/Ln] u|fxssf] ;"rgf / u|fxs;Fu ePsf] sf/f]af/sf] uf]kgLotf sfod /fVg'kg]{ 5. -4_ o; a}+saf6 cg'dltkq÷Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf, dlgr]Gh/, ljk|]if0f sDkgL, e'QmfgL ;]jf k|bfos, e'QmfgL k|0ffnL ;~rfnsdf ;~rfns÷kbflwsf/L sf] ?kdf axfn /x]sf] JolQm Ps} k6s cGo e'QmfgL;DaGwL sfo{ ug]{ ;+:yfdf k|ltlglwTj ug{ jf s'g} klg kbdf axfn /xg kfpg] 5}g. t/ s'g} cg'dltkqk|fKt ;+:yfdf e'QmfgL;DaGwL sfo{ ug]{ csf]{ ;+:yfsf] nufgL /x]sf] cj:yfdf nufgLstf{ ;+:yfsf] tkm{af6 sd{rf/Ln] nufgL /x]sf] ;+:yfsf] ;~rfns ;ldltdf k|ltlglwTj ug{ tyf g]kfn ;/sf/ jf o; a}+sn] lgo'Qm u/]sf] cj:yfdf pko{'Qm Joj:yfn] jfwf k'u]sf] dflgg] 5}g. 5= ;+:yfks ;]o/ gfd;f/L, vl/b÷laqmL jf xs x:tfGt/0f;DaGwL Joj:yf -1_ ;+:yfks z]o/sf] vl/b÷laqmL jf gfd;f/L ug'{ k"j{ o; a}+ssf] :jLs[lt lng'kg]{ 5. o;k|sf/ :jLs[ltsf] nflu ;~rfns ;ldltsf] l;kmfl/; ;lxt o; a}+sdf cfj]bg ug'{kg]{ 5. -2_ ;fdfGotof cg'dltkqk|fKt ePsf] ldltn] % jif{;Dd ;+:yfks z]o/ vl/b laqmL ug{ kfOg] 5}g. 47  t/, cfw'lgs k|ljlw leq\ofpg k"FhL yk ug{'kg]{ cj:yf jf b'O{ jf b'O{eGbf a9L ;+:yf Ps cfk;df ufleO{ gofF nufgLstf{ yk ubf{ jf cGo s'g} dgfl;j sf/0fn] ;+:yfks z]o/ vl/b÷laqmL ug{'kg]{ cf}lrTo k'i6\ofO{ x'g] cj:yfdf a}+ssf] :jLs[lt lnO{ ;+:yfks z]o/ vl/b laqmL ug{ ;lsg] 5. o;/L z]o/ vl/b laqmL ubf{ ;DklQ÷bfloTjsf] lj:t[t d"NofÍg (Due Diligence Audit) u/L k|lt lsQf z]o/ d"No lgwf{/0f ug{'kg]{ 5. -3_ ;+:yfks z]o/ lnPsf JolQmx¿sf] d[To' ePdf jf k|rlnt sfg'gadf]lhd kfl/jfl/s c+zaG8f ePdf k|rlnt sfg'gsf] l/t k'¥ofO{ lghx¿sf] xsbf/ jf lghx¿n] OR5fPsf] JolQmsf] gfddf o; a}+ssf] :jLs[lt lnO{ gfd;f/L ug{ ;lsg]5. -4_ o;/L gfd;f/L ubf{ a}+ssf] gLltut Joj:yf cg';f/ ;+:yfks z]o/ wf/0f ug{ cof]Uo JolQmx¿sf] gfddf z]o/ gfd;f/L ug{ ldNg] 5}g. b]xfosf] cj:yf ePsf] s'g} klg JolQm jf ;+:yfnfO{ ;+:yfksn] cfˆgf] :jfldTjsf] ;]o/ gfd;f/L jf laqmL ug{ kfpg] 5}gg\. -s_ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf k/L ;f] ;"rLaf6 k'ms'jf ePsf] ldltn] sDtLdf tLg jif{ k"/f gePsf], -v_ ;DalGwt ;+:yfsf] cfGtl/s jf afXo n]vfk/LIfsdf lgo'Qm ePsf], -u_ ;DalGwt ;+:yfsf] sfg'gL jf cGo ;Nnfxsf/ kbdf axfn ePsf], -3_ k|rlnt sfg'gadf]lhd s/ r'Qmf gu/]sf], -ª_ o; a}+sn] ;do ;dodf tf]s]sf] Go"gtd of]Uotf / cg'ej gePsf]. -r_ k|x/L k|ltj]bgdf cfk/flws k[i7e"ld ePsf]. 6= k'FhL j[l4 ug]{ p2]Zon] ;+:yfn] gofF ;+:yfks z]o/wgL yk ug{ rfx]df o; a}+ssf] :jLs[lt lng'kg]{ 5. o;/L gofF ;+:yfks z]o/wgL yk ubf{ k|lt lsQf z]o/ d"No ;DklQ÷bfloTjsf] lj:t[t d"NofÍg (Due Diligence Audit) af6 lgwf{/0f ug{'kg]{ 5. 7= ;+:yfn] k|To]s ^÷^ dlxgfdf ljQLo ljj/0f o; a}+sdf k]z ug'{kg]{ 5 t/ klAns sDkgLsf] xsdf ;+:yfsf] j]a;fO6df nufot cGo pko'Qm dfWodaf6 k|sfzg÷;fj{hlgs ug'{kg]{ 5. 8= ;+:yfdf kl/kfngf (Compliance) ljefu÷OsfO{ u7g u/L ;+:yfsf] k|aGwkq, lgodfjnL, o; a}+saf6 hf/L ul/Psf lgb]{zg, kl/kq, ;"rgf, cfb]zx¿sf] kl/kfngf Pjd\ ;+:yfn] kfl/t u/L nfu" u/]sf gLlt, lgod, dfu{bz{g tyf cfly{s sf/f]af/x¿sf] lg/Gt/ ?kdf kl/If0f ug'{kg]{ 5. 9= :jM3f]if0ff;DaGwL Joj:yf ;~rfns kbdf lgo'Qm ePsf] JolQmn] cg';"rL !!=! adf]lhdsf] :j3f]if0ff ug'{kg]{ 5. lgol'Qm ePsf] !% lbg leq pQm :j3f]if0ffkq ;DalGwt ;+:yfn] o; ljefudf k]z ug'{kg]{ 5. 48 10= sfo{ ;~rfng;DaGwdf -1_ ;+:yfn] ;~rfng ug]{ ;Dk"0f{ sfo{x¿;DaGwdf ;~rfns ;ldltaf6 gLlt tyf sfo{ljlw kfl/t u/L nfu" ug'{kg]{ 5. -2_ ;+:yfn] cfˆgf] d'Vo d'Vo sfo{x¿ klxrfg tyf ljefhg u/L ;f];DaGwL clVtof/L / lhDd]jf/L :ki6 ?kdf tf]Sg' kg]{5. -3_ sf/f]af/df ;+nUg /xg] kIfx¿sf] sfd, st{Jo tyf clwsf/ / kfngf ug'{kg]{ bfloTjsf];DaGwdf :ki6 Joj:yf ug'{kg]{ 5. -4_ ;+:yfsf] tkm{af6 kqfrf/ ubf{ ;+:yfsf] cflwsfl/s n]6/ Kof8df clgjfo{ ?kdf sfo{sf/L k|d'vn] / lgh sfof{nodf pkl:yt g/x]sf] cj:yfdf lghn] tf]s]sf] sd{rf/Ln] b:tvt u/L k7fpg' kg]{5. -5_ ;+:yfn] a}+lsË sf/f]af/ ubf{ o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf;Fu dfq sf/f]af/ ug{ ;Sg]5. -6_ a}+s vftf ;~rfng ubf{ sDtLdf @ hgf sd{rf/Lsf] x:tfIf/ ug]{ Joj:yf ug'{kg]{ 5. 49  cg';"rL !!=! ldlt M @)*====÷=====÷======, >L ;~rfns ;ldlt, =========================== ===========================. ljifo M hfgsf/L u/fPsf] af/]. pk/f]Qm;DaGwdf d ======================================= n] e'QmfgL k|0ffnL ;~rfns÷e'QmfgL ;]jf k|bfossf] ?kdf /xL sfo{ ug]{ o; ;+:yfsf] ;~rfnssf] kbdf ldlt @)*===÷=====÷====== af6 axfn u/]sf]n] b]xfosf] :j3f]if0ff ub{5'. -1_ e'QmfgL tyf km:of}{6 ljlgodfjnLdf plNnlvt Joj:yf cg';f/ d o; ;+:yfsf] ;~rfns x'g of]Uo 5'. -2_ o; ;+:yf;Fu d jf d]/f] kl/jf/sf] s'g} ;b:on] s'g} lsl;dsf] s/f/ u/]sf] jf ug{ nfu]sf] 5}g. -3_ ;+:yfsf] sfo{sf/L k|d'v jf n]vfkl/Ifssf] lgo'lQmsf];DaGwdf d]/f] s'g} k|sf/sf] :jfy{ jf ;/f]sf/ 5}g. -4_ d o; afx]s g]kfn /fi6« a}+saf6 cg'dltkqk|fKt s'g} klg e'QmfgL;DaGwL sfo{ ug]{ ;+:yfsf] kbflwsf/L 5}g. -5_ d]/f] kl/jf/sf] ;b:on] o; ;+:yfsf] kbflwsf/L÷sd{rf/Lsf] x}l;otn] sfd u/]sf 5g\÷5}gg\. -u/]sf] eP v'nfpg] =====================================_ -6_ dfly 3f]if0ff ul/Psf÷k]z ul/Psf ljj/0fx¿ 7Ls ;Ffrf] xf], em'¶f 7xl/Pdf sfg'gadf]lhd ;x'Fnf a'emfpFnf. ;~rfnssf] b:tvt M gfd y/ M gful/stf g+=M hf/L lhNnfM :yfoL 7]ufgf M Dff]afO{n g+=M Od]n 7]ufgfM 50  g]kfn /fi6« a}+s e'QmfgL k|0ffnL ljefu c=k|f=lgb]{zg g+=!@÷)*) hf]lvd Joj:yfkg;DaGwL Joj:yf o; a+}saf6 cg'dltkqk|fKt e'QmfgL;DaGwL sfo{ ug]{ ;+:yfx¿sf] sf/f]af/df lglxt hf]lvd Joj:yfkgsf;DaGwdf e'QmfgL tyf km:of}{6 P]g, @)&% sf] bkmf $% n] lbPsf] clwsf/ k|of]u u/L b]xfosf lgb]{zg hf/L ul/Psf] 5. 1= ;+:yfn] cfGtl/s gLlt, cfGtl/s lgoGq0f k|0ffnL (Internal Control System), ;~rfng k|lqmof / ;Defljt hf]lvd lgoGq0fsf pkfox¿ cjnDag u/L hf]lvd/lxt ¿kdf ;]jf ;~rfng ug]{ Joj:yf ldnfpg'kg]{ 5. 2= hf]lvd juL{s/0f tyf Joj:yfkg ;+:yf ;~rfngsf] qmddf cfpg ;Sg] hf]lvd klxrfg u/L d'VotM b]xfoadf]lhd juL{s/0f tyf Joj:yfkg ug'{kg]{ 5 M -1_ ;~rfng hf]lvd (Operational Risk) ;+:yfsf] ;"rgf k|0ffnL jf cfGtl/s k|lqmofx¿df sdL, sd{rf/Laf6 x'g] q'l6, Joj:yfkgdf sdLsdhf]/L jf cGo afXo >f]taf6 cj/f]w l;h{gf eO{ ;]jf k|jfxdf sdLsdhf]/L jf ;d:of pTkGg x'g ;Sg] hf]lvdnfO{ ;~rfng hf]lvd cGtu{t juL{s/0f ug'{kg]{ 5. -s_ e'QmfgL;DaGwL sfo{ lgjf{w ?kdf ;~rfng x'g ;Sg] ljZj;gLo k|0ffnL cjnDag ug'{kg]{ 5. -v_ ;+:yfn] cfGtl/s / afXo If]qaf6 cfpg ;Sg] ;~rfng hf]lvd -;'/Iff hf]lvd, ;"rgf hf]lvd, hgzlQm;DaGwL hf]lvd, ljklQ hf]lvd cflb_ sf] klxrfg u/L To:tf hf]lvdx¿ Go"lgs/0f ug{ cfjZos kg]{ gLlt lgod tyf k|lqmofx¿sf] canDag u/]sf] x'g'kg]{ 5. -u_ ;+:yfn] cfkm\gf] sf/f]af/;Fu ;DalGwt ;~rfng hf]lvdnfO{ Joj:yfkg ug{ k|efjsf/L cfGtl/s lgoGq0f tyf ;"rgf k|0ffnLsf] ljsf; ug'{kg]{ 5. -3_ ;"rgf k|ljlw;Fu ;DalGwt hf]lvdsf] lgoGq0f tyf ;Defljt Iflt Go"gLs/0fsf] nflu cfjZos pkfo cjnDag ug{'kg]{ 5. -ª_ ;+:yfn] c;xh kl/l:yltdf klg lgoldt ?kdf ;]jf k|jfx ug{ Business Continuity Plan (BCP) tof/ ug'{kg]{ 5. 51  -r_ s'g} sd{rf/L k|lt clws lge{/tf, Pp6} sd{rf/L nfdf] ;do Ps} :yfgdf /x]/ sfo{ ug]{ tyf sd{rf/LaLr ldn]dtf]sf sf/0f pTkGg x'g ;Sg] nufot sd{rf/L ;Da4 hf]lvd Go"gLs/0fsf nflu sd{rf/L kb:yfkg Pjd\ ;?jf nufotsf sfo{ k|efjsf/L x'g'kg]{ 5. -2_ t/ntf hf]lvd (Liquidity Risk) ;+:yf jf ;+:yf;Fu ;Da4 kIfx¿n] cfˆgf] ljQLo bfloTj k"/f ug{ kof{Kt >f]t gx'Fbf x'g ;Sg] hf]lvdnfO{ t/ntf hf]lvd cGtu{t juL{s/0f ug{k' g]{ 5. -s_ ;+:yfn] t/ntf hf]lvdsf] k|efjsf/L dfkg, cg'udg / Joj:yfkg ug'{kg]{ 5. -v_ e'QmfgL ;]jf k|bfosn] cfkm\gf] u|fxssf] jfn]6df /x]sf] ljB'tLo /sdsf] bfloTj e'QmfgL ug{ kof{Kt df}Hbft ;]6nd]G6 vftfdf /fVg'kg]{ 5. ;f] k|of]hgsf] nflu ;+:yfn] cfˆgf] sf]ifsf] k|jfx / ;]6nd]G6 vftfdf ePsf] df}Hbft /sdsf] lgoldt cg'udg ug'{kg]{ 5. -3_ Jofj:fflos hf]lvd (Business Risk) ;+:yfdf Joj;flos /0fgLltsf] cefj jf sfof{Gjogdf sdhf]/L, Joj:yfkgdf sdLsdhf]/L, sfo{Ifdtfsf] cefj, k|lti7fdf xflg h:tf afXo kIf;Fu c;DalGwt ;+:yfsf] cfˆg} sf/0fn] cfDbfgLeGbf vr{ a9L eO{ ;+:yfsf] ljQLo cj:yfdf x'g ;Sg] xflg (impairment) nfO{ Jofj;flos hf]lvd ;lDemg'kg]{ 5. -s_ ;+:yfn] Joj:fflos hf]lvdsf cfGtl/s >f]tx¿ klxrfg u/L To;af6 Joj;fodf kg{ ;Sg] c;/sf] cfFsng ug'{kg]{ 5. -v_ ;+:yfsf] ;~rfns ;ldltn] k|efjsf/L ?kdf e'QmfgL ;]jf ;~rfng ug{ cfjZos Jofj;flos of]hgf th'd{ f u/L ;f]sf] sfof{Gjogsf] ;d]t lgoldt cg'udg ug'{kg]{ 5. -4_ qm]l86 hf]lvd (Credit Risk) ;+:yf;Fu ;Da4 ;]6nd]G6 a}+s, ;xefuL ;+:yf nufotsf kIfx¿n] cfˆgf] ljQLo bfloTj k"/f ug{ c;dy{ x'g ;Sg] hf]lvdnfO{ qm]l86 hf]lvd ;lDemg' kg]{5. -s_ cGo ;+:yfnfO{ cfˆgf] k|0ffnLdf cfa4 u/fpFbf s'g} ljQLo bfloTj l;h{gf x'g ;Sg] cj:yfdf pQm bfloTj jxg ug]{ lhDd]jf/L :ki6 x'g] u/L ;Demf}tf ug'{kg]{ 5. -v_ ;+:yf;Fu ;Da4 s'g} kIfn] cfˆgf] ljQLo bfloTj k"/f ug{ g;Sg] cj:yf l;h{gf ePdf ;+:yfnfO{ jf ;+:yf;Fu cfa4 cGo kIfnfO{ pQm sf/0fn] kg{ ;Sg] c;/sf] cfFsng u/L Joj:yfkgsf] pkfo cjnDag ug'{kg]{ 5. 52  -5_ k|0ffnLut hf]lvd (Systemic Risk) s'g} Ps k|0ffnL jf ;++:yfdf ;d:of cfpFbf To;sf] c;/ ;Dk"0f{ e'QmfgL k|0ffnLdf kg{ ;Sg] hf]lvdnfO{ k|0ffnLut hf]lvd (Systemic Risk) cGtu{t juL{s/0f ug'{kg]{ 5. e'QmfgL, lSnol/ª tyf ;]6nd]G6 k|lqmofsf] nflu Ps jf PseGbf a9L ;+:yfx¿;Fu lge{/ /x]/ ;]jf ;~rfng ubf{ s'g} Ps k|0ffnL jf ;++:yfdf ;d:of cfpFbf To;sf] c;/ ;Dk"0f{ e'QmfgL k|0ffnL If]qdf kg{ ;Sg] hf]lvd ;d]t k|0ffnLut hf]lvd cGtu{t kg]{5. -s_ afXo ;]jf (Outsourced Service) k|of]u u/]sf] cj:yfdf jf cGo k|0ffnL tyf ;+:yf;Fu cfa4 eO{ sf/f]af/ ubf{ cfpg ;Sg] Interdependency Risk nfO{ Joj:yfkg u/L Critical ;]jf ;'rf? /fVg j}slNks Joj:yf ug'{kg]{ 5. -6_ sfg'gL hf]lvd (Legal Risk) ;+:yf jf ;+:yfdf cfa4 cGo ;xefuL;Fu ;DalGwt s'g} sfg'g jf lgodsf] ck|Toflzt k|of]uaf6 ;+:yfnfO{ xfgL gf]S;fgL x'g ;Sg] hf]lvd sfg'gL hf]lvd cGtu{t kb{5. sfg'gL hf]lvddf ljQLo ;DklQsf] l/se/Ldf l9nfO jf sfg'gL k|lqmofsf] kl/0ffd:j¿k ;DklQ lk|mh eO{ x'g] gf]S;fgLsf] hf]lvd klg ;dfj]z x'g]5. -s_ ;+:yfn] sfg'gL hf]lvdsf >f]tx¿ klxrfg u/L To;af6 Joj;fodf kg{ ;Sg] c;/sf] cfFsng ug'{kg]{ 5. 3= ;+:yfn] a'Fbf g+= @ df pNn]v ul/Psf cltl/Qm cGo hf]lvd -Reputation Risk, Strategic Risk nufot_ klxrfg u/L ;f]sf] Joj:yfkg ug{ Go"gtd b]xfosf ljifo ;dfj]z u/L gLlt tyf sfo{ljlw th'{df u/L sfof{Gjog ug{'kg]{ 5 M -s_ hf]lvd klxrfg tyf juL{s/0f (Risk Identification and Categorization) -v_ hf]lvd dfkgsf] cfwf/ (Risk Measurement) -u_ klxrfg ul/Psf hf]lvd lgoGq0f ug{ ckgfOg] k4lt (Control Measures) -3_ hf]lvd Joj:yfkg;DaGwL lhDd]jf/L (Risk Management Responsibilities) -ª_ l/kf]{l6Ë (Reporting) 4= ;+:yfn] hf]lvd Joj:yfkgsf] nflu Principle for Financial Market Infrastructure (PFMI) sf l;4fGtx¿nfO{ ;d]t dfu{bz{gsf] ?kdf lng'kg]{ 5. 5= ;+:yfsf] hf]lvd Joj:yfkg;DaGwL gLlt, k|lqmof tyf ;+/rgfsf] k|efjsfl/tf;DaGwdf lg/Gt/ cg'udg ug{ hf]lvd k'l:tsf (Risk Register) v8f u/L q}dfl;s ?kdf cBfjlws ;d]t ug'{kg]{ 5. 6= ;+:yfn] ljleGg hf]lvdx¿sf] k|efjsf/L Joj:yfkg tyf hf]lvd;DaGwL gLlt lgodx¿sf] th'{df ug{ Ps 5'6} hf]lvd Joj:yfkg OsfO{sf] Joj:yf ug'{kg]{ 5. ;fy}, 53  Ps hgf clws[t:t/sf] sd{rf/LnfO{ hf]lvd Joj:yfkg clws[t (Risk Management Officer) lgo'Qm u/L ;f]sf] lhDd]jf/L lbg'kg]{ 5. 7= ;+:yfsf] pRr Joj:yfkg tyf ;Dk"0f{ sd{rf/L hf]lvd Joj:yfkgsf nflu cf–cfˆgf] lhDd]jf/L k|lt ;hu x'g] u/L Risk Culture sf] ljsf; ug'{kg]{ 5. ;+:yfsf] ;du| hf]lvd Joj:yfkgsf nflu ;~rfns ;ldlt pQ/bfoL x'g]5. 8= hf]lvd Joj:yfkg OsfO{n] ;~rfns ;ldltsf] a}7sdf cfjlws ?kdf hf]lvd;DaGwL ljifodf l/kf]l6{Ë ug'{kg]{ 5. 54  g]kfn /fi6« a}+s e'QmfgL k|0ffnL ljefu c=k|f=lgb]{zg g+=!#÷)*) u|fxs lxt ;+/If0f;DaGwL Joj:yf o; a+}saf6 cg'dltkqk|fKt e'QmfgL;DaGwL sfo{ ug]{ ;+:yfx¿n] kfngf ug'{kg]{ u|fxs lxt ;+/If0f;DaGwL Joj:yf;DaGwdf e'QmfgL tyf km:of}{6 P]g, @)&% sf] bkmf $% n] lbPsf] clwsf/ k|of]u u/L b]xfosf lgb]{zg hf/L ul/Psf] 5. 1= kf/bzL{tf;DaGwL Joj:yf -1_ cg'dltkqk|fKt ;+:yfn] cfˆgf u|fxsnfO{ pknAw u/fpg] ;]jf;Fu ;DalGwt cfjZos ljj/0f tyf hfgsf/L ;a}n] a'‰g]u/L ;+:yfsf] PlKns]zg (App) tyf j]a;fO6 (Website) sf] cu|efudf k|sfzg ug'{kg]{ 5. -2_ o;/L Website df /flvg] ljj/0fx¿ :ki6, ;/n / oyf;Dej g]kfnL efiffdf ;d]t x'g'kg]{ 5. ;fy}, ;]jfu|fxL;Fusf] sf/f]af/df k|of]u x'g] sfuhftx¿ g]kfnL efiffdf ;d]t pknAw x'g] Joj:yf ldnfpg'kg]{ 5. -3_ sf/f]af/sf] l;nl;nfdf ;+:yfn] ;]jfu|fxLsf] JolQmut ljj/0f lnFbf ;f]sf] k|of]hg af/] hfgsf/L u/fpg'kg]{ 5. -4_ ;+:yfn] :ki6 / ;/n efiffdf sf/f]af/sf] nflu ;]jfu|fxLn] ug'{kg]{ Activation, lkg kl/jt{g, ;]jfdf cGtlg{lxt zt{ tyf aGb]h, ;]jfsf ljz]iftf, sf/f]af/ ;~rfng k|lqmof nufotsf ljifodf ;]jfu|fxLnfO{ cBfjlws ;"rgf k|jfx ug'{kg]{ 5. -5_ ;]jfu|fxLsf] jfn]6sf] ;~rfng cj:yf -;lqmo jf lgliqmo_ af/]df ;]jfu|fxLn] :ki6 ?kdf x]g{ ;Sg] Joj:yf ug'k{ g]{ 5. -6_ ljB'tLo e'QmfgL k|fKt ug]{ JolQm÷;+:yfn] k7fpg] JolQm÷;+:yfsf] gfd, Transaction ID/Reference No., ;]jf k|bfossf] gfd tyf sf/f]af/sf] k|of]hg x]g{ ;Sg] Joj:yf ug'{kg]{ 5. 2= sf/f]af/ tyf z'Ns;DaGwL Joj:yf -1_ ;+:yfn] bf]xf]/f] cy{ gnfUg] u/L :ki6 / ;/n efiffdf cfkm\gf] ;]jf z'Nssf] af/]df ;]jfu|fxLnfO{ cBfjlws hfgsf/L lbg'kg]{ 5. -2_ ljB'tLo sf/f]af/ ubf{ lnOg] ;]jf z'Ns;DaGwL ljj/0f ;+:yfsf] j]j;fO6df k|i6 b]lvg] u/L ;fj{hlgs ug{'kg]{ 5. ;fy}, z'Ns kl/jt{g ePsf] cj:yfdf tTsfn cBfjlws ug{'kg]{ 5. 55  -3_ ;+:yfn] ;DalGwt u|fxssf] k"j{ :jLs[lt lnP/ dfq e'QmfgL pks/0fsf] ;]jf pknAw u/fpg'kg]{ 5. u|fxsn] 5gf}6 u/]sf pks/0fx¿sf] ;]jf z'Ns, Aofh tyf xhf{gf;DaGwL Joj:yf ;+:yf / ;]jfu|fxLaLr x'g] ;Demf}tfdf :ki6 ?kdf pNn]v ug{'sf] ;fy}, z'Ns;DaGwL ljj/0f ;]jf ;~rfng k"j{ g} ;DalGwt u|fxsnfO{ ljB'tLo jf ef}lts ?kd} pknAw u/fpg'kg]{ 5. o:tf] z'Ns lnFbf ;]jfu|fxLnfO{ s'g} lsl;dsf] lje]b ug{ kfOg] 5}g. -4_ u|fxs;Fu sf/f]af/df cltl/Qm ;]jf z'Ns lng] p2]Zon] bf]xf]/f] cy{ nfUg] u/L sf/f]af/sf] ;"rgf ;Dk|]if0f ug'{ x'Fb}g. -5_ s'g} klg ;]jf k|bfg ubf{ cltl/Qm z'Ns nfUg] ePdf To:tf] ;]jfnfO{ Default Option /fVg' x'Fb}g. -6_ e'QmfgL sf/f]af/ ubf{ s'g} lglZrt ;]jf k|bfossf] dfq ;]jf k|fKt x'g] u/L Priority lbg] lsl;dsf] sfo{ ug'{ x'Fb}g. -7_ s'g} klg sf/f]af/ kZrft\ pQm sf/f]af/ ;DkGg eP gePsf] :ki6 hfgsf/L tTsfn} ljB'tLo dfWodaf6 lbg] Joj:yf ug'{kg]{ 5. -8_ u|fxsx¿nfO{ ;fljsdf pknAw u/fPsf] ;'ljwfx¿ ;DalGwt u|fxssf] :jLs[lt lagf aGb ug{ kfO{g] 5}g. 3= ;]jfu|fxL;Fu ul/g] Jojxf/;DaGwL Joj:yf -1_ ;+:yfn] ;a} ;]jfu|fxLx¿nfO{ ;dfg / ;Ddfghgs Jojxf/ ug'{kg]{ 5. -2_ lnË, wd{, ;d'bfo, /fhgLlts ljrf/, pd]/ cflbsf] cfwf/df s'g} klg ;]jfu|fxLnfO{ lje]b ug'{ x'Fb}g. -3_ ;+:yfn] cfkm\gf sd{rf/L tyf Ph]G6x¿af6 u|fxs;Fu ul/Psf] sfdsf/afxLsf] lhDd]jf/L jxg ug'{kg]{ 5. 4= u'gf;f] ;'g'jfO{;DaGwdf -1_ ljB'tLo e'QmfgL ;]jf k|of]u ubf{ cfpg ;Sg] sl7gfO{sf;DaGwdf ;]jfu|fxLsf] u'gf;f] ;'g'jfO{ ug{ ;+:yfn] sDtLdf !^ 306f -laxfg ^ ah]b]lv a]n'sf !) ah] ;Dd_ 5'§} 8]:s ;~rfng x'g] Joj:yf ldnfO{ u'gf;f] ;'Gg] clwsf/L ;d]t tf]Sg' kg]{5. ;+:yfn] pQm clwsf/Lsf] gfd, kb, ;Dks{ df]afOn g+= / Od]n 7]ufgf j]a;fO6sf] cu|efudf /fVg'kg]{ 5. o;/L k|fKt u'gf;f] / ;f]sf] cfwf/df ePsf sfd sf/afxLsf] cBfjlws clen]v ;d]t /fVg'kg]{ 5. -2_ sf8{ x/fPdf jf rf]/L ePdf jf sf/f]af/sf]] qmddf cGo ;d:of b]lvPdf u|fxsnfO{ tTsfn ;xof]u ug{ @$ ;} 306f ;~rfng x'g] u/L ;DalGwt ;+:yfn] Helpdesk sf] Joj:yf ug'{kg]{ 5. 56  -3_ ;+:yfn] ;]jfu|fxLsf] u'gf;f] ;'g'jfO{sf nflu x6nfOgsf ;fy} cfˆgf] j]a;fO6df cgnfO{g kf]6{n ;d]tsf] Joj:yf ug'{kg]{ 5. ;fy}, df]afOn Pkaf6 ;d]t u'gf;f] btf{ ug{ ldNg] Joj:yf ug{'kg]{ 5. -4_ e'QmfgL ;]jf k|bfos ;+:yfn] u|fxssf] ;f]wk'5 / u'gf;f] ;'g'jfO{sf] nflu sDtLdf b'O{ j6f b"/;~rf/ ;]jfk|bfossf] Toll Free Number pknAw u/fpg'kg]{ 5. -5_ cg'dltkqk|fKt ;+:yfn] pknAw u/fPsf] ;]jfdf u|fxsx¿nfO{ s'g} u'gf;f] ePdf ;f] ;Daf]wg ug]{ k|of]hgsf] nflu lgdf{0f ul/Psf] o; a}+ssf] u'gf;f] kf]6{n https://gunaso.nrb.org.np/ sf] Link u|fxsn] k|i6 b]Vg]u/L cfˆgf] j]a;fO6df /fVg'kg]{ 5. 5= ljB'tLo e'QmfgL ;fIf/tf;DaGwdf -1_ ljB'tLo sf/f]af/ ubf{ x'g;Sg] hf]lvd, 7uL tyf ck/fwx¿ Aff/] u|fxsnfO{ ;r]t u/fpg leaflet, brochure, frequently asked questions (FAQs), knowledge kit, hfgsf/Ld"ns videos h:tf ;r]tgfsf ;fdfu|L ;Dk|]if0f ug{'kg]{ 5. -2_ ;+:yfn] cfˆgf aflif{s sfo{qmddf ljB'tLo e'QmfgL;DaGwL ;fIf/tf sfo{qmd ;dfj]z ug'{kg]{ 5. -3_ ;+:yfn] cfk'mn] k|bfg ug]{ ;]jf;DaGwdf ;j{;fwf/0fnfO{ lgoldt tj/n] ;';"lrt ug]{ / ljB'tLo e'QmfgL k|0ffnL k|j4{gnfO{ ;xof]u k'Ug] lj1fkg tyf ;fdu|L lgoldt ?kdf k|;f/0f tyf k|f]T;fxg ug'{kg]{ 5. 6= c:yfoL ?kdf ;]jf aGb ubf{ ckgfpg'kg]{ k|lqmof -1_ ljB'tLo e'QmfgL;DaGwL ;]jfx¿ dd{t ;Def/, :t/j[l4 jf cGo ljz]if sf/0fj; c:yfoL ?kdf aGb ug'{kbf{ sf/f]af/ sd x'g] ;do -;fdfGotof /ftL !) ah]b]lv laxfg ^ ah];Dd_ df ug'{kg]{ 5. o;/L ;]jf aGb ubf{ @ 306f ;Ddsf] nflu ;]jf cj?4 x'g] ePdf o; ljefunfO{ k"j{ hfgsf/L u/fpg'kg]{ 5. -2_ a'Fbf g+= -!_ df plNnlvt afx]ssf cj:yfdf ;]jf c:yfoL ?kdf aGb ubf{ sDtLdf % lbg cufj} o; a}+ssf] k"j{ :jLs[lt lng'kg]{ 5. t/, c;fwf/0f kl/l:ylt ;[hgf eO{ k"j{ :jLs[lt lng ;Dej geO{ ;]jf cj?4 x'g uPdf ;f]sf] ljj/0f;lxt cljnDa o; a+}snfO{ hfgsf/L u/fpg'kg]{ 5. -3_ ;]jf aGb x'g] af/]df ;DalGwt ;+:yfn] cfˆgf] j]a;fO6 / PlKns]zgaf6 clgjfo{ ?kdf / cfjZostf cg';f/ cGo ;"rgfsf dfWodaf6 ;"rgf k|sfzg ug'{kg]{ 5. 7= uf]kgLotf Pjd\ clen]v ;'/lIft /fVg];DaGwdf -1_ ;+:yfn] sf/f]af/ ;DkGg ePsf] ldltn] sDtLdf kfFr jif{;Dd ljB'tLo ?kdf sf/f]af/sf] clen]v ;'/lIft /fVg'kg]{ 5. 57  -2_ ;+:yfn] ;]jfu|fxL;Fu ul/Psf] ljB'tLo sf/f]af/sf] ;"rgf÷ljj/0fsf] uf]kgLotf sfod ug'{kg]{ 5. t/, k|rlnt sfg'gadf]lhd clVtof/k|fKt lgsfo jf ;+:yfaf6 dfu eO{ cfPdf To:tf] ;"rgf÷ljj/0f lbg eg] o; Joj:yfn] jfwf k'u]sf] dflgg] 5}g. -3_ s'g} ;]jfu|fxLn] cfˆgf] vftf÷jfn]6 aGb ug{ cg'/f]w u/]df ;DalGwt ;]jfu|fxLaf6 lgj]bg lnO{ pQm vftf k'gM ;'rf? ug{ g;lsg] u/L aGb ug]{ Joj:yf ug'{kg]{ 5. t/, aGb ug'{k"j{ pQm vftf÷jfn]6dfkm{t ePsf] sf/f]af/sf] clen]v sDtLdf kfFr jif{;Dd ;'/lIft /fVg'kg]{ 5. 8= ljB'tLo sf/f]af/ ubf{ ;+:yfsf] c;fjwfgL÷nfk/jfxLn] ubf{ ;]jfu|fxLnfO{ s'g} Iflt x'g uPdf ;+:yfn] ;DalGwt u|fxsnfO{ plrt Ifltk"lt{ lbg'kg]{ 5. 58  g]kfn /fi6« a}+s e'QmfgL k|0ffnL ljefu c=k|f=lgb]{zg g+=!$÷)*) ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f;DaGwL Joj:yf o; a}+saf6 cg'dltkqk|fKt e'QmfgL;DaGwL sfo{ ug]{ ;+:yf -a}+s tyf ljQLo ;+:yf afx]s_ nfO{ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f;DaGwdf ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] bkmf &k= / e'QmfgL tyf km:of}{6 P]g, @)&% sf] bkmf $% n] lbPsf] clwsf/ k|of]u u/L b]xfosf lgb]{zg hf/L ul/Psf] 5. 1= gLlt tyf sfo{ljlw th'{df u/L sfof{Gjog ug'{kg]{;DaGwdf -1_ e'QmfgL;DaGwL sfo{ ug]{ ;+:yfx¿n] ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ -o;kl5 o; lgb]{zgdf æP]gÆ elgPsf]_ / ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f lgodfjnL, @)&# -o;kl5 o; lgb]{zgdf ælgodfjnLÆ elgPsf]_ adf]lhdsf k|fjwfgx¿sf] kfngf ug{sf nflu Go"gtd b]xfosf Joj:yfx¿sf];DaGwdf gLlt tyf sfo{ljlw th'{df u/L sfof{Gjog ug'{kg]{ 5 M -s_ u|fxs klxrfg tyf ;Dk'li6 -v_ ;"lrs[t JolQm klxrfg -u_ pRr kb:y JolQm klxrfg -3_ jf:tljs wgL klxrfg -ª_ a[xt\ u|fxs klxrfg -r_ sfof{Gjog clwsf/L -5_ u|fxs tyf jf:tljs wgL klxrfg cBfjlws -h_ z+sf:kb sf/f]af/sf] klxrfg tyf hfgsf/L -em_ hf]lvd Joj:yfkg -`_ k|ljlwut klxrfg tyf ;"rgf ;+sngsf] k|0ffnLut Joj:yf -6_ lg/Gt/ cg'udg -7_ ;"rgfsf] uf]Kotf -8_ cfGtl/s lgoGq0f -9_ clen]v Joj:yfkg 59  -0f_ ;+:yfsf z]o/wgL, ;~rfns ;ldltsf ;b:ox¿ tyf pRr Joj:yfkg / sd{rf/Lx¿nfO{ P]g, lgodfjnL tyf o; lgb]{zgsf] kfngfsf] nflu lgoldt ?kdf Ifdtf clej[l4 sfo{qmddf ;xefuL u/fpg] Joj:yf -t_ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df nufgL lgjf/0f;DaGwL sfg"gadf]lhd ;"rs ;+:yfn] kfngf ug'{kg]{ cGo bfloTj -2_ pka'Fbf -!_ adf]lhd gLlt tyf sfo{ljlw tof/ ubf{ P]g tyf lgodfjnLdf ePsf k|fjwfgx¿sf] cg'kfngf x'g] Joj:yf ug'{kg]{ 5. -3_ o; a}}+sn] hf/L u/]sf u|fxs klxrfg (KYC) ;DaGwL lgb]{zgsf] k"0f{¿kdf kl/kfngf u/]sf] x'g'kg]{ 5. u|fxs klxrfg;DaGwL Joj:yfadf]lhd k"0f{ ?kdf sfuhft tyf ljj/0f k]z gu/L sf/f]af/ ul//x]sf ljBdfg u|fxsx¿sf] xsdf ;+:yfn] @)*! c;f/ d;fGt;Dddf ;Dk"0f{ sfuhft tyf ljj/0f lnO{ u|fxs klxrfg tyf ;Dk'li6 ug]{ Joj:yf ug'{kg]{ 5. -4_ e'QmfgL;DaGwL sfo{ ug]{ ;+:yfn] jfn]6 ;~rfng ug{ u|fxs klxrfg;DaGwL Joj:yfsf] k"0f{ kfngf ug{÷u/fpg cfjZos sfuhft÷ljj/0fx¿sf] ;"rL tof/ u/L Online kmf/fd eg]{÷e/fpg] tyf cBfjlws ug]{ Joj:yf ldnfpg'kg]{ 5. -5_ jfn]6dfkm{t sf/f]af/ ug]{ u|fxsx¿sf nflu o; a+}ssf] a+}s tyf ljQLo ;+:yf lgodg ljefuaf6 hf/L ul/Psf] u|fxs klxrfg (Know Your Customer) ;DaGwL lgb]{zgsf] k"0f{¿kdf kl/kfngf u/]sf] x'g'kg]{ 5. t/, cg'dltkqk|fKt ;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ sf] bkmf &r tyf ;DklQ z'4Ls/0f lgjf/0f lgodfjnL, @)&# sf] lgod ( adf]lhd jflif{s ?=!,)),))).– -cIf/]kL Ps nfv_ ;Ddsf] sf/f]af/ ug]{ dr]{G6nfO{ cfa4 ubf{ ;/nLs[t u|fxs klxrfgsf] k|lqmof cjnDag ug{ ;Sg]5g\. o;/L ;/nLs[t u|fxs klxrfg tyf ;f]sf] ;Dk'li6 ubf{ b]xfoadf]lhdsf dfkb08÷k|lqmof ckgfpg'kg]{ 5 M -1_ ;/nLs[t k4ltaf6 dr]{G6 cfa4 ug{ 5'§} kmf/d tof/ u/L b]xfosf ljj/0f lng'kg]{ 5 M -s_ Joj;fo÷dr]{G6sf] gfd -v_ Joj;fosf] 7]ufgf, -u_ ;Dks{ g+= -3_ Joj;fosf] k|s[lt -ª_ sf/f]af/ ug]{ ef}uf]lns If]q -r_ cg'dflgt dfl;s sf/f]af/ -c_ ;+Vof M -cf_ /sd M 60 -2_ pka'Fbf -!_ adf]lhdsf ljj/0fsf] ;Dk'li6sf] nflu b]xfoadf]lhdsf] -s'g} b'O{_ dfkb08÷k|lqmof cjnDag ug'{kg]{ 5 M -s_ Joj;fosf] btf{ -btf{ ePsf] Joj;fosf] xsdf_ -v_ dr]{G6sf] Joj;fosf] cl:tTj tyf ultljlwsf] k'li6 x'g] sfuhft -j8f sfof{no jf :yfgLo lgsfoh:tf ljZj;gLo t];|f] kIfn] pknAw u/fPsf]_ -u_ Joj;fosf] :ynut lg/LIf0f u/]]/ jf e/kbf]{ lel8of] tyf kmf]6f]dfkm{t k|df0fLs/0f, -3_ Joj;fosf] k|s[lt, sf/f]af/ ug]{ ef}uf]lns If]q / cg'dflgt dfl;s sf/f]af/ ;+Vof tyf /sd;DaGwdf k|f]k|fO6/n] u/]sf] lnlvt :jM3f]if0ff, -ª_ VAT/PAN btf{ -pknAw ePdf_ -3_ ;+:yfn] Joj;fosf] k|f]k|fO6/sf] klxrfg tyf ;Dk'li6 ug'{kg]{ 5. klxrfg ubf{ b]xfoadf]lhd ljj/0f tyf ;f]sf] ;Dk'li6sf] nflu sfuhft lng'kg]{ 5 M -s_ k|f]k|fO6/sf] gfd -v_ 7]ufgf -u_ ;Dks{ g+= -3_ gful/stf jf /fli6«o kl/rokq -ª_ PAN btf{ -pknAw ePdf_ -o; lgb]{zgsf] nflu k|f]k|fO6/ eGgfn] pQm Joj;fosf] wgL cyjf ;~rfns ;Demg' k5{._ -4_ o; lgb]{zgadf]lhd cfa4 ul/Psf Joj;fosf] Ps eGbf a9L k|f]k|fO6/ ePsf] cj:yfdf ;a} k|f]k|fO6/sf] pka'Fbf -#_ adf]lhd klxrfg tyf ;Dk'li6 ug'{kg]{ 5. -5_ s'g} Joj;fosf] sf/f]af/df kl/jf/ afx]s cGo s'g} JolQm jf:tljs wgL /x]sf] z+sf nfu]df ;f]sf] ;d]t klxrfg ug'{kg]{ 5. -6_ pko{'Qm Joj:yfadf]lhd cfa4 ul/Psf Joj;fo÷dr]{G6sf] 5'§} ;"rL tof/ u/L cBfjlws u/L /fVg'kg]{ 5. -7_ dr]{G6 cfa4 ubf{ lnO{Psf ljj/0f b]xfosf cj:yfdf cBfjlws ug]{ Joj:yf ug'{kg]{ 5 M -s_ u|fxs klxrfg ljj/0f cg'?k sf/f]af/ d]n gvfPsf] cj:yfdf, -v_ u|fxs klxrfg ljj/0fdf plNnlvt ;"rgf, hfgsf/L tyf tYofª\s ;Totf jf kof{Kttfsf] af/]df ;+:yfnfO{ z+sf nfu]sf] cj:yfdf, -u_ hf]lvd d'Nofª\sg ubf{ pRr hf]lvd b]lvPdf, -3_ ;+:yfn] k|ToIf jf ck|ToIf, cf}krfl/s jf cgf}krfl/s ?kdf k|fKt u/]sf] ;"rgfsf] cfwf/df cBfjlws ug{ cfjZos b]lvPdf. 61  -6_ ljB'tLo jfn]6df u|fxsn] vftf vf]Nbf tyf u|fxs klxrfg ljj/0f cBfjlws ubf{ æk]z u/]sf] ljj/0f l7s ;fFrf] /x]sf] tyf ;f] ljj/0f em'6f] 7xl/Pdf sfg'gadf]lhd ;x'Fnf÷a'emfpFnfÆ eGg] Joxf]/fsf] ljB'tLo ?kdf :jM3f]if0ff ug{ nufpg'kg]{ 5. -7_ ljB'tLo jfn]6df /sd nf]8 ubf{, Ps jfn]6af6 csf]{ jfn]6df /sdfGt/ ubf{ tyf cGo ljB'tLo e'QmfgL sf/f]af/ ubf{ clgjfo{ ?kdf k|of]hg v'nfpg'kg]{ Joj:yf ug'{kg]{ 5. -8_ ;+:yfdf cfa4 x'g] u|fxs :jod\ pkl:yt geO{ Jofj;flos ;DaGw :yfkgf tyf sf/f]af/ x'g] cj:yfdf P]gsf] bkmf &6= / lgodfjnLsf] lgod !) adf]lhd hf]lvd d"NofÍg u/L Joj:yfkgsf cfjZos pkfo canDag ug'{kg]{ 5. -9_ k|To]s ;+:yfn] AML/CFT ;DaGwL hf]lvdsf] ljZn]if0f u/L tof/ ul/Psf] hf]lvd d"NofÍg k|ltj]bgadf]lhd hf]lvd ;fk]If x'g]u/L gLlt tyf sfo{ljlwdf cfjZos kl/dfh{g ug'{kg]{ 5. -10_ ;+:yfn] o; lgb]{zg cGtu{t th'{df ul/Psf] gLlt tyf sfo{ljlwdf cftÍjfbL lqmofsnfk tyf cfdljgfzsf/L xftxltof/sf] lgdf{0f tyf lj:tf/df ljQLo nufgL lgoGq0f;DaGwdf 5'§} k|fjwfg /fVg'kg]{ 5. ;fy}, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] kl/R5]b ^v= df plNnlvt Joj:yf kfngf x'g] u/L cftÍjfbL lqmofsnfk tyf cfdljgfzsf/L xftxltof/sf] lgdf{0f tyf lj:tf/df ljQLo nufgL;DaGwdf lg/Gt/ cg'udg ug{sf] nflu sfo{k|0ffnL cjnDag ug'{kg]{ 5. ;+:yfsf] n]vfk/LIf0f k|ltj]bgdf AML/CFT ;Da4 hf]lvdsf] ;d]t ljZn]if0f ug'{kg]{ 5. -11_ k|To]s sf/f]af/sf] clen]v /fVbf cfjZos k/]sf] cj:yfdf kmf}hbf/L cleof]udf cleof]hg ubf{ k|df0fsf] ?kdf k|of]u ug{ ;lsg] u/L Go"gtd b]xfosf ljj/0f ;dfj]z ug'{kg]{ 5 M -s_ u|fxs -lxtflwsf/L ;d]t_ sf] gfd, 7]ufgf, ;Dks{ g+= tyf klxrfg;DaGwL ljj/0f -v_ sf/f]af/sf] k|sf/ / ldlt -u_ sf/f]af/ /sd, -3_ vftf g+ -ª_ k|of]hg 2= ;Ldf sf/f]af/, z+sf:kb sf/f]af/ tyf z+sf:kb ultljlw k|ltj]bg;DaGwdf -1_ ;+:yfn] ljQLo hfgsf/L O{sfO{n] hf/L u/]sf] TTR Guidelines, STR/SAR Guidelines, goAML Operational Guidelines / cGo Guidelines tyf dfu{bz{gsf] kfngf ug'{kg]{ 5. 62  -2_ ;+:yfn] Joj:yfksLo txsf] Ps sfof{Gjog clwsf/L (Compliance Officer) tf]sL lghsf] gfd, 7]ufgf, of]Uotf, ;Dks{ gDa/, Od]n nufotsf ljj/0f o; ljefu tyf ljQLo hfgsf/L OsfO{nfO{ ;f]sf] hfgsf/L u/fpg'kg]{ 5. ;fy}, sfof{Gjog clwsf/L kl/jt{g ePdf jf lghsf] ljj/0fdf kl/jt{g ePdf ;f]sf] hfgsf/L o; ljefu tyf ljQLo hfgsf/L OsfO{df cljnDa k7fpg'kg]{ 5. -3_ ;Ldf sf/f]af/ k|ltj]bg (Threshold Transaction Reporting- TTR) s'g} u|fxssf] Ps jf PseGbf a9L vftf÷jfn]6df Ps} k6s jf k6s k6s u/L Ps dlxgfdf -g]kfnL Sofn]08/ cg';f/_ ?= !) nfv jf ;f] eGbf a9L /sdsf] sf/f]af/ ePdf ;f];DaGwL ;Ldf sf/f]af/ k|ltj]bg (Threshold Transaction Reporting- TTR) sf/f]af/ ePsf] ldltn] !% lbgleq goAML Software dfkm{t ljQLo hfgsf/L O{sfO{df pknAw u/fpg'kg]{ 5. o;/L k|ltj]bg tof/ ubf{ ;+:yfn] Ps k|fs[lts JolQmsf] s'n ;Ldf klxrfg ug]{ Joj:yf ug'{kg]{ 5. -4_ z+sf:kb sf/f]af/ k|ltj]bg (Suspicious Transaction Report- STR) tyf z+sf:kb ultljlw;DaGwL k|ltj]bg (Suspicious Activity Report- SAR) ;+:yfn] b]xfoadf]lhdsf]] cj:yfx¿ ljBdfg ePdf sf/f]af/ jf ultljlw ePsf] ldltn] # lbgleq oyfzSo rfF8f] z+sf:kb sf/f]af/ k|ltj]bg (Suspicious Transaction Report- STR) jf z+sf:kb ultljlw;DaGwL k|ltj]bg (Suspicious Activity Report- SAR) goAML Software dfkm{t ljQLo hfgsf/L OsfO{df pknAw u/fpg'kg]{ 5 M -s_ ;DklQ z'4Ls/0f tyf cftÍjfbL s[ofsnfkdf ljQLo nufgL;DaGwL s;"/ jf cGo s;"/;Fu ;DalGwt ePsf] zÍf nfu]df jf zÍf ug'{kg]{ dgfl;a cfwf/ ePdf, jf -v_ cftÍsf/L sfo{, cftÍsf/L JolQm jf cftÍsf/L ;+u7g jf cftÍjfbL s[ofsnfkdf ljQLo nufgL;Fu ;DalGwt jf hf]l8Psf] jf To:tf] sfo{df jf To:tf] JolQm jf ;+u7gaf6 k|of]u x'g ;Sg] zÍf nfu]df jf zÍf ug'{kg]{ dgfl;a cfwf/ ePdf. 3= ;+:yfn] P]g, lgodfjnL tyf o; lgb]{zgadf]lhd u/]sf sfo{x¿sf] ;+lIfKt k|ltj]bg tof/ u/L k|To]s cfly{s jif{ ;dfKt ePsf] # dlxgfleq o; ljefudf k]z ug'{kg]{ 5. 4= hf]lvd d"NofÍg;DaGwdf M -1_ ;+:yfn] P]gsf] bkmf &3= adf]lhd AML/CFT ;DaGwL ;+:yfut hf]lvdsf] klxrfg tyf d"NofÍg u/L ;f]sf] k|ltj]bg k|To]s cfly{s jif{ ;dfKt ePsf] klxnf] qodf;leq o; ljefu tyf ljQLo hfgsf/L OsfO{df k]z ug'kg]{5. o;/L hf]lvd d"NofÍg ubf{ ;+:yfn] u|fxs (Customer), ;]jf (Product), ef}uf]lns If]q (Geographic Location) tyf ;]jf k|jfx ug]{ dfWod (Delivery Channel) 63  nufotdf AML/CFT ;DaGwdf x'g;Sg] hf]lvdsf] klxrfg Pjd\ ljZn]if0f u/L ;f]sf] d"NofÍg ug'{kg]{ 5. -2_ pka'Fbf -!_ adf]lhd klxrfg ul/Psf] hf]lvdnfO{ pRr, dWod tyf Go"g hf]lvddf juL{s/0f ug'{kg]{ 5. 5= ;+:yfn] hf]lvdsf cfwf/df ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL lgjf/0f;DaGwdf ug'kg]{ sfo{qmdx¿ to u/L pQm sfo{qmdx¿ cfˆgf] jflif{s jh]6 tyf sfo{of]hgfdf ;dfj]z ug'{kg]{ 5. 6= nlIft ljQLo sf/afxL, pRr kb:y JolQm, pRr hf]lvd /x]sf] d'n's, If]q tyf pRr hf]lvdo'Qm pTkfbg, pks/0f, ;]jf tyf sf/f]af/sf] cg'udg x'g] u/L ;+:yfn] cg'udg k|0ffnL cjnDag ug'{kg]{ 5. ;fy}, pQm cg'udg k|0ffnL hf]lvdsf cfwf/df :jrflnt x'g] Joj:yf ug'{kg]{ 5. 7= g]kfnleq hf/L ul/Psf e'QmfgL pks/0f (Payment Instruments) g]kfnaflx/af6 ;d]t k|of]u x'Fbf To;/L ;Dkfbg x'g] sf/f]af/sf] ;'Id lgu/fgL ug]{ Joj:yf ldnfpg'kg]{ 5. 8= P]g, lgodfjnL, o; lgb]{zgadf]lhd eP÷u/]sf sfd sf/afxL, cg'dltkqk|fKt ;+:yfn] cjnDag u/]sf] AML/CFT k|0ffnL], hf]lvd Joj:yfkg, c:jfefljs ultljlwsf] cg'udg / tf]lsPadf]lhd cfjZos tYofÍ tyf k|ltj]bgx¿ ;DalGwt lgsfodf k]z ug];{ DaGwdf ;~rfns ;ldltn] q}dfl;s ?kdf cfjZos ;dLIff u/L pko'Qm lg0f{o ug'{kg]{ 5. 9= ;+:yfsf] ;~rfns ;ldlt, sfo{sf/L k|d'v tyf sd{rf/Lx¿n] kfngf ug'kg]{ cfr/0f;DaGwdf ;bfrf/ gLlt (Code of Conduct) th'{df u/L nfu" ug{'kg]{ 5. 10= sf/afxL tyf ;hfo;DaGwdf -1_ P]g, lgodfjnL tyf o; lgb]{zgsf] Joj:yf kfngf gug]{ ;+:yf / ;+:yfsf sd{rf/L tyf kbflwsf/LnfO{ P]gadf]lhdsf] sf/afxL x'g]5. -2_ pka'Fbf -!_ adf]lhd sf/afxL ubf{ P]g, lgodfjnL tyf lgb]{zgsf] kfngf gePsf] cj:yf, pNn3+gsf] dfqf / ;f] af6 kg{ ;Sg] k|0ffnLut k|efj nufotsf ljifosf] ufDeLo{tfsf cfwf/df o; a}+sn] b]xfoadf]lhdsf]] sf/afxLx¿ ug{ ;Sg]5. qm=;+= kfngf gePsf] Joj:yf sf/afxL != gLlt tyf sfo{ljlw gePdf -s_ klxnf] k6ssf nflu ;r]t u/fpg] jf gl;xt lbg]. -v_ bf];|f] k6sb]lv ?= !) nfv jf ufDeLo{tfsf] cfwf/df yk hl/jfgf ug]{. 64 qm=;+= kfngf gePsf] Joj:yf sf/afxL @= u|fxs klxrfg;DaGwL -s_ klxnf] k6ssf nflu ;r]t u/fpg] jf Joj:yf sfof{Gjog gePdf gl;xt lbg]. -v_ bf];f| ] k6s ?= !) nfv hl/jfgf ug]{. -u_ t]>f] k6sb]lv ?= @) nfv jf ufDeLo{tf cg';f/ yk hl/jfgf ug]{. #= HffgLa'emL a]gfdL jf -s_ ?=@) nfv jf ufDeLo{tf cg';f/ yk sfNklgs gfddf sf/f]af/ hl/jfgf ug]{. u/]sf] kfOPdf $= jf:tljs wgLsf] klxrfg -s_ klxnf] k6ssf nflu ;r]t u/fpg] jf ug]{, j[xt u|fxs klxrfg gl;xt lbg]. ug]{ tyf u|fxs klxrfg -v_ bf];|f] k6s ?= !) nfv hl/jfgf ug]{. cBfjlws ug]{ Joj:yf -u_ t];|f] k6sb]lv ?= @) nfv jf gePdf ufDeLo{tf cg';f/ yk hl/jfgf ug]{. %= lg/Gt/ cg'udg ;DjGwL -s_ klxnf] k6ssf nflu ;r]t u/fpg] jf Joj:yf gePdf gl;xt lbg]. -v_ bf];|f] k6sb]lv ?= !) nfv jf ufDeLo{tf cg';f/ yk hl/jfgf ug]{. ^= ;LDff sf/f]af/sf] ljj/0f -s_ klxnf] k6ssf nflu ?= !) nfv ljQLo hfgsf/L OsfO{df hl/jfgf ug]{. tf]lsPsf] ;dodf k]z -v_ bf];|f] k6ssf nflu ?= @) nfv gu/]df hl/jfgf ug]{ jf ufDeLo{tf cg';f/ ?= % s/f]8;Dd hl/jfgf ug]{. &= z+sf:kb -s_ klxnf] k6ssf nflu ?= !) nfv sf/f]af/÷ultljlwsf] hl/jfgf ug]{. klxrfg ug]{ ;+oGq÷k|0ffnL -v_ bf];|f] k6sb]lv ?= @) nfv jf gePdf tyf z+sf:kb ufDeLo{tf cg';f/ yk hl/jfgf ug]{. sf/f]af/÷ultljlw k|ltj]bg tf]lsPsf] 9fFrf / ;dodf k]z gu/]df *= sfof{Gjog clwsf/Lsf] -s_ klxnf] k6ssf nflu ;r]t u/fpg] Joj:yf gu/]df jf gl;xt lbg]. -v_ bf];|f] k6sb]lv ?= !) nfv jf ufDeLo{tf cg';f/ yk hl/jfgf ug]{. (= tf]lsPsf ljj/0fx¿sf] -s_ klxnf] k6ssf nflu ;r]t u/fpg] jf clen]v g/flvPdf jf gl;xt lbg]. tf]lsPsf] ;do;Dd ;'/lIft -v_ bf];|f] k6ssf nflu ?= !) nfv jf g/flvPdf ufDeLo{/tf cg';f/ yk hl/jfgf ug]{. 65  qm=;+= kfngf gePsf] Joj:yf sf/afxL !)= P]gsf] kl/R5]b ^ v sf] -s_ klxnf] k6ssf nflu ?= !) nfv Joj:yf kfngf ePsf] hl/jfgf ug]{. gkfOPdf -v_ bf];|f] k6sb]lv ?= @) nfv jf ufDeLo{tf cg';f/ yk hl/jfgf ug]{. -3_ pka'Fbf -@_ adf]lhd s'g} klg ;+:yf jf ;f]sf] kbflwsf/L jf sd{rf/LnfO{ sf/afxL ug'{cl3 ;kmfO{ k]z ug]{ dgfl;j df}sf lbOg]5. -4_ pka'Fbf -@_ adf]lhdsf] sf/afxLsf cnfjf cfjZos b]lvPdf g]kfn /fi6« a}+s P]g, @)%*, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$ / e'QmfgL tyf km:of}{6 P]g, @)&% adf]lhd o; a}+sn] yk sf/afxL ug{ ;Sg]5. -5_ ;+:yfnfO{ o; a'Fbfadf]lhd sf/afxL jf ;hfo ePdf / To:tf] ;hfo pQm ;+:yfsf] s'g} kbflwsf/L jf sd{rf/Lsf] sfd sf/afxLsf] sf/0fn] ePsf] b]lvPdf To:tf] kbflwsf/L jf sd{rf/LnfO{ ;DjlGWft ;+:yfn] k|rlnt sfg'g jf ;+:yfsf] ljlgodfjnLadf]lhd sf/afxL ug'{kg]{ 5. 66  g]kfn /fi6« a}+s e'QmfgL k|0ffnL ljefu c=k|f=lgb]{zg g+= !%÷)*) e'QmfgL k|0ffnLsf] cGt/cfa4tf (Interoperability) tyf kx'Fr (Access) ;DaGwL Joj:yf o; a}+saf6 cg'dltkqk|fKt e'QmfgL;DaGwL sfo{df ;+nUg ;+:yfn] cfˆgf] k|0ffnL (System), ;+oGq (Mechanism) jf pks/0f (Instrument) nfO{ cGo ;+:yfn] k|rngdf NofPsf] k|0ffnL, ;+oGq jf pks/0f;Fu cGt/cfa4tf (Interoperability) u/L e'QmfgL ;]jfnfO{ ;j{;'ne agfO{ ;j{;fwf/0fsf] kx'Fr lj:tf/ ug{] tyf hf]lvd Joj:yfkg ug]{ p2]Zon] e'QmfgL tyf km:of}{6 P]g, @)&% sf] bkmf $% n] lbPsf] clwsf/ k|of]u u/L b]xfosf] lgb{]zg hf/L ul/Psf] 5 M 1= æcGt/cfa4tf (Interoperability)Æ eGgfn] s'g} klg cg'dltkqk|fKt ;+:yfsf] k|0ffnL (System), ;+oGq (Mechanism) jf pks/0f (Instrument) nfO{ cg'dltkqk|fKt cGo ;+:yfsf] k|0ffnL, ;+oGq jf pks/0f;Fu ljgfcj/f]w ;+of]hg u/fpg ;xof]u ug]{ Jofj;flos, k|fljlws, tyf sfg'gL Joj:yf eGg] hgfpF5. o:tf] cGt/cfa4tfn] e'QmfgL ;]jfsf ;xefuLnfO{ s'g} Pp6f k|0ffnLsf] ;b:o eO{ ;f]xL k|0ffnLdfkm{t cGo ;+:yf, pks/0f / k|0ffnL;Fu ;"rgf cfbfg k|bfg ug{ Pjd\ ljQLo tyf e'QmfgL sf/f]af/sf] ;dfzf]wg / km:of}{6 ug{ ;3fpFb5. 2= s'g} klg cg'dltkqk|fKt e'QmfgL ;]jf k|bfos ;+:yf o; a}+saf6 cg'dltkqk|fKt sDtLdf s'g} Ps e'QmfgL k|0ffnL ;~rfns;Fu cfa4 x'g'kg]{ 5. 3= g]kfndf ;~rfng x'g nfu]sf] k|:tfljt National Payment Switch / Domestic Card Scheme df cGt/cfa4tf ug{ o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] cfˆgf] k|ljlwdf cfjZos kl/dfh{g ug{'kg]{ 5. cg'dltk|qk|fKt ;+:yfx¿n] Go"gtd ?kdf ;fgf d"Nosf e'QmfgL k|0ffnL cGtu{t b]xfoadf]lhdsf pks/0f / ;]jfx¿df cGt/cfa4tf nfu" ug{'kg]{ 5 M -s_ df]afOn a}+lsË tyf OG6/g]6 a}+lsËdfkm{t s'g} a}+s tyf ljQLo ;+:yfdf /x]sf] vftfaf6 cGo a}+s ljQLo ;+:yfdf /x]sf] vftfdf /sd 6«fG;km/ x'g;Sg] u/L pQm pks/0fx¿df cGt/cfa4tf sfod ug]{. -v_ Pp6f e'QmfgL ;]jf k|bfosn] ;~rfng u/]sf] jfn]6af6 csf]{ e'QmfgL ;]jf k|bfosn] ;~rfng u/]sf] jfn]6df /sdfGt/ ug{;Sg] u/L ljB'tLo jfn]6df cGt/cfa4tf sfod ug]{. -u_ Nepal QR Standardization Framework and Guidelines adf]lhd hf/L ePsf QR df cGt/cfa4tf sfod ug]{. ;f]sf] nflu e'QmfgL k|0ffnL ;~rfnsx¿n] cfˆgf] 67  Acquiring / Issuing APIs jf Interface cfˆgf ;b:ox¿nfO{ pknAw u/fpg'kg]{. 4= g]kfn ;/sf/sf] s/, hl/jfgf, b:t'/, /lhi6«];g tyf ;]jf z'Ns nufotsf e'QmfgL ug]{ u/L lglZrt ;+:yf tf]lsPsf] cj:yfdf ;d]t To:tf] ;+:yfn] cfˆgf] k|0ffnLdf cGo ;+:yfx¿nfO{ lgjf{w kx'Fr lbg'kg]{ 5. 5= ljz]if k|s[ltsf cGo s'g} pks/0fnfO{ clgjfo{ ?kdf cGt/cfj¢ ug]{ u/L o; a}+sn] lgb]{zg lbPdf ;f]xLadf]lhd cGt/cfa4tf sfod ug{' u/fpg'kg{] 5. 6= e'QmfgL k|0ffnL ;~rfnsx¿aLr cGt/cfa4tfsf] nflu ;+:yfx¿n]] Joj;flos tyf k|fljlws ;Demf}tf u/L sfof{Gjog ug{ ;Sg]5g\. o;/L ;Demf}tf ubf{ slDtdf b]xfoadf]lhdsf ljifo ;dfj]z u/]sf] x'g'kg]{ 5 M -s_ ;xefuL ;+:yf aLrsf] ;Demf}tfdf k|fljlws, Jofj;flos tyf sfg"gL ljifo 5'§f5'§} v08df pNn]v ug{'kg]{ 5, -v_ b"/;~rf/ ;~hfn (Telecommunication Networks) sf] ;femf pkof]u / k|of]u ul/g]] ljB'tLo ;fwgx¿ aLr x'g] sf/f]af/sf] tYofÍ tyf ;"rgf cfbfg k|bfg;DaGwL ;femf dfkb08, -u_ sf/f]af/sf] ;dfzf]wg tyf km:of}{6 ug{ k|of]udf NofOg] ljlw, ;+/rgf / cGt/cfa4tf sfod ubf{ nfUg] z'Ns, z'Ns afF8kmfF8 tyf ;Demf}tf pNn+3g ubf{ x'g] sf/afxL jf Ifltk"lt{ nufotsf ljifo, -3_ Pscsf{sf u|fxssf]] u'gf;f] ;'g'jfO{;DaGwL Joj:yf. 7= o; a}+sn] cGoyf tf]s]sf]] cj:yfdf afx]s, g]kfndf ;fgf d"Nosf e'QmfgL k|0ffnL ;~rfng ug{] jf ;fgf d"Nosf e'QmfgL pks/0f hf/L ug]{ ;a} cg'dltkqk|fKt e'QmfgL k|0ffnL ;~rfns tyf e'QmfgL ;]jfk|bfos ;+:yfn] o;;DaGwL cGt/f{li6«o c;n cEof;åf/f :yflkt k|fljlws tyf Jofj;flos dfkb08x¿sf] kfngf ug'{kg]{ 5. s'g} ;+:yfn] ;]jf ;~rfng ubf{ o:tf] dfkb08 kfngf ug{ g;Sg] l:ylt ;[hgf ePdf o; a}+ssf] k"j{ :jLs[lt lnP/ ;]jf ;~rfng ug'{kg]{ 5. 8= ;fgf d"Nosf e'QmfgL k|0ffnL ;~rfn ug{ cg'dltkqk|fKt ;+:yfn] cGo s'g} klg cg'dltkqk|fKt ;+:yfnfO{ cfˆgf] e'QmfgL k|0ffnLdf kx'Fr /f]Sg] u/L lgodx¿ agfpg jf k|ljlwsf] k|of]udf /f]s nufpg kfpg] 5}g. t/ To:tf] kx'Fr lbFbf cGo e'QmfgL k|0ffnL jf ;+:yfaf6 t/ntf hf]lvd, ;~rfng hf]lvd, nufot k|0ffnLut hf]lvd cfpg] ;Sg] b]lvPdf jf k|0ffnLsf] ;'/Iffdf gs/fTds k|efj kg{] kof{Kt cfwf/ b]lvPdf cg'dltkqk|fKt ;+:yfn] cfˆgf] k|0ffnLdf tf]lsPsf] ;do;Ddsf] nflu kx'Frdf /f]s nufpg ;Sg]5. o;/L kx'Frdf /f]s 68  nufOPsf] cj:yfdf ;f]sf] :ki6 cfwf/ / sf/0f v'nfO{ ;DalGwt ;+:yf / o; a+}snfO{ oyfzL3| hfgsf/L u/fpg'kg{] 5. 9= e'QmfgL k|0ffnL ;~rfnsn] e'QmfgL ;]jf k|bfos, cGo e'QmfgL k|0ffnL ;~rfns jf e'QmfgL ;]jf k|of]ustf{nfO{ a}+s tyf ljQLo ;+:yfaf6 cfˆgf] e'QmfgL k|0ffnLdf ;xefuL x'g k|ltaGw nufpg, ;xefuL ;+:yfaLr lje]b x'g] u/L lgod agfpg jf ;+:yfsf] cfsf/ jf e'QmfgL sf/f]af/sf] cfwf/df kx'Fr /f]Sg] sfo{ ug{ kfpg] 5}g. 10= o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] Settlement a}+ssf] ?kdf sfo{ ubf{ u}/—a}s + e'QmfgL ;]jf;DaGwL ;+:yfnfO{ e]befj gx'g] tyf ;+:yfn] k|jfx ug{] ;]jf cj?4 gx'g] u/L cfˆgf] ;+:yfdf Settlement vftf ;~rfng ug{ lbg'kg]{ 5. t/ o:tf] sfo{af6 e'QmfgL k|0ffnL tyf ;DalGwt a}+s tyf ljQLo ;+:yfnfO{ hf]lvd x'g] kof{Kt cfwf/ b]lvPdf tf]lsPsf] ;do;Ddsf] nflu Settlement vftf ;~rfng ug{ /f]s nufpg ;Sg]5. o;/L vftf ;~rfngdf /f]s nufOPsf] :ki6 cfwf/ / sf/0f v'nfO{ ;DalGwt ;+:yf / o; a+}snfO{ oyfzL3| hfgsf/L u/fpg'kg{] 5. 11= e'QmfgL k|0ffnL ;~rfns tyf e'QmfgL ;]jf k|bfosx¿n] cGt/cfa4tf;DaGwL ;]jf k|bfg ubf{ ;]jfu|fxLaf6 k|fKt x'g cfPsf tYofÍsf] ;'/Iff tyf uf]kgLotf sfod ug{'kg]{ 5. ;fy}, tf]lsPsf] ;]jf k|jfx ubf{ jfx]s cGoq To:tf] tYofÍsf] k|of]u gx'g] ;'lglZrttf ug{'kg]{ 5. 69  g]kfn /fi6« a}+s e'QmfgL k|0ffnL ljefu c=k|f=lgb]{zg g+= !^÷)*) ljljw Joj:yf;DaGwdf o; a+}saf6 cg'dltkqk|fKt e'QmfgL;DaGwL sfo{ ug]{ ;+:yfn] kfngf ug'{kg]{ ljljw Joj:yf;DaGwdf e'QmfgL tyf km:of}{6 P]g, @)&% sf] bkmf $% n] lbPsf] clwsf/ k|of]u u/L of] lgb]{zg hf/L ul/Psf] 5. 1= o; a}+saf6 cg'dltkqk|fKt ;+:yf -a}+s tyf ljQLo ;+:yfafx]s_ n] cfˆgf] ;fOgaf]8{ tyf n]6/Kof8df ;+:yfsf] gfdsf] 7Ls tn clgjfo{¿kdf sf]i7df b]xfoadf]lhdsf]] jfSof+z pNn]v ug'{÷u/fpg'kg]{ 5. cg'dltkqk|fKt ;+:yf pNn]v ug'{kg]{ jfSof+z e'QmfgL k|0ffnL ;~rfns g]kfn /fi6« a}+saf6 æe'QmfgL k|0ffnL ;~rfnsÆ sf] sfo{ ug{ cg'dltkqk|fKt ;+:yf e'QmfgL ;]jf k|bfos g]kfn /fi6« a}+saf6 æe'QmfgL ;]jf k|bfosÆ sf] sfo{ ug{ cg'dltkqk|fKt ;+:yf 2= o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] e'QmfgL ;]jf ;~rfng ug{ Digital Payment Partner sf] ¿kdf cGo ;+:yf;Fu cfa4tf ug'{ kbf{ o; a}+saf6 cg'dltkqk|fKt u/]sf ;+:yfx¿;Fu dfq ug{'÷u/fpg'kg]{ 5. 3= o; a}+saf6 cg'dltkqk|fKt ;+:yfn] ;xsf/L ;+:yfsf u|fxs ;b:onfO{ ;/sf/L /fh:j e'QmfgL / Utility Payment k|of]hgsf nflu ;DalGwt ;xsf/L ;+:yfnfO{ dr]{G6sf] ?kdf cfˆgf] k|0ffnLdf cfa4 ug{ ;Sg]5g\. 4= o; a}+saf6 Ohfhtkqk|fKt æ3Æ ju{sf] n3'ljQ ljQLo ;+:yf cfkm}Fn] ljB'tLo e'QmfgL ;]jf ;~rfng ug{ tf]lsPadf]lhd sfuhft k]z u/L o; a}+saf6 cg'dlt lng'kg]{ 5. t/, o; a}+snfO{ hfgsf/L u/fO{ cg'dltkqk|fKt e'QmfgL ;]jf k|bfos÷e'QmfgL k|0ffnL ;~rfns ;+:yf;Fu cfa4 eO{ ljB'tLo e'QmfgL;DaGwL sfo{ ug{ pko'{Qm Joj:yfn] afwf k'¥ofPsf] dflgg] 5}g. 5= o; a}+saf6 Ohfhtkqk|fKt ævÆ / æuÆ ju{sf ljQLo ;+:yfn] cfˆgf u|fxsx¿nfO{ ljB'tLo e'QmfgLsf] dfWodsf] ?kdf sDtLdf df]afOn a}+lsË ;]jf pknAw u/fpg'kg]{ 5. 6= 8]la6 sf8{, qm]l86 sf8{, So"cf/ sf]8, Scan-to-Pay nufot cGo ljB'tLo dfWodaf6 e'QmfgL u/L j:t' tyf ;]jf vl/b ubf{ lt/]sf] d"No clej[l4 s/sf] !) -bz_ k|ltztn] 70  x'g] /sd pkef]Qmfn] tTsfn} lkmtf{ kfpg] Joj:yfsf] nflu cfˆgf] k|0ffnLdf ;'wf/ u/L plNnlvt Joj:yf sfof{Gjog ug'{kg]{ 5. 7= cg'dltkqk|fKt a}+s tyf ljQLo ;+:yfx¿n] ljB'tLo e'QmfgLsf pks/0fx¿ ;~rfng ubf{ o; a}+ssf] a}+s tyf ljQLo ;+:yf lgodg ljefu / ;DalGwt ;'kl/j]If0f ljefusf] lgb]{zg / gLltut Joj:yf cg'?k x'g] u/L ;~rfng ug{'kg]{ 5. 71 sf/afxL, s;'/ / b08 ;hfo;DaGwL Joj:yf 1= PsLs[t lgb]{zgdf plNnlvt Joj:yfx¿sf] kl/kfngf gePdf e'QmfgL tyf km:of}{6 P]g, @)&% / e'QmfgL tyf km5\of}{6 ljlgodfjnL -klxnf] ;+zf]wg, @)*)_, @)&& adf]lhd sf/afxL x'g]5. vf/]hL tyf arfpm 1= e'QmfgL k|0ffnL;DaGwL PsLs[t lgb]{zg–@)&( / ;f] ldlt kZrft\ of] lgb]{zg k"j{ o; ljefuaf6 e'QmfgL k|0ffnL;DaGwdf hf/L ul/Psf ;Dk"0f{ kl/kqx¿ vf/]h ul/Psf] 5. 2= pka'Fbf -!_ cg';f/ vf/]h ul/Psf lgb]{zg tyf kl/kqadf]lhd eP u/]sf sfd sf/afxL o;} lgb]{zgadf]lhd eP u/]sf] dflgg]5. 72