Working capital is that part of the capital which is required to complete the whole operating cycle of an entity by maintaining certain level of inventories (such as raw materials, work -in-process, finished goods, stores and spares etc.), trade receivables and cash balance for its day-to-day operations.

1. Cash Credit:
Hypothecation & Pledge
Md. Saiful Islam
Banker
saifulbau@gmail.com

2. Credit
• The word credit is derived from the Latin word
"Credo", meaning I believe.
• Credit is usually defined as one's ability to buy with
a promise to pay.
• Credit is the system by which goods and services
are provided in return for deferred payment rather
than immediate payment.
• From the banker's point of view, credit is the
confidence of the lender on the ability and
willingness of the borrower to repay the debt as per
schedule of repayment.

3. Types of Borrowers
• Individuals: (Under retail Segments): Retail traders,
Micro, Small and Medium Enterprises, Farmers,
Agricultural, Consumers, Home loan, Credit Card
etc.
• Proprietorship Firms.
• Partnership Firms.
• Private Limited Companies.
• Public Limited Companies.
• Large Corporates.
• Government Entities. (SOEs).

4. Types of Credit Facility
• Commercial banks make loans and advances in
different forms. All types of credit facilities can
be broadly classified into two groups:
• Funded credit
• Non-funded credit

5. Funded Credit
• Any type of credit facility, which involve direct outflow of bank fund
is termed as funded credit facility. Funded credit facilities may be
classified into four major types:
• Loan
• Cash Credit
• Overdraft
• Bill Purchase and Discount
• Other Important Funded Facilities are:
• Consumer Credit
• SME Credit
• Syndicated Loan
• Lease Financing

6. Cash Credit
• Cash credit is the favorite mode of borrowing by
traders, industrialists, agriculturalists etc. for
meeting their working capital requirement.
• Working capital requirement is an elastic form of
borrowing. It is elastic because the limits
fluctuate according to the needs of the business
of the borrower. There are two types of cash
credit:
• Cash Credit Pledge
• Cash Credit Hypothecation

7.  K¨vk †µwWU
 e¨emvq †UªwWs K¨vwcUvj
 Drcv`kxj wkí Lv‡Z Iqv©wKs K¨vwcUvj|
 ‡gqv`: mvaviYZ GK eQi
 bevqb
 nvB‡cvw_‡Kkb
 †QvU FY A_ev gvSvwi
 ‡cøR
 wekvj AvKvi |
K¨vk †µwWU t

8. FY cÖvwßi †hvM¨Zv t
K) PjwZ wnmve
L) ev¯Íe AwfÁZv
M) mr I PwiÎevb
N) Avw_©K m”QjZv
O) chv©ß RvgvbZ

9. cÖv_wgK RvgvbZ t
• e¨emvwqK cY¨
• Drcvw`Z cY¨
• Avg`vbxK…Z KvPvugvj
• K¨vk †µwWU (nvB‡cvw_‡Kkb) A_©vr `Lj wenxb cY¨ eÜKx|
• K¨vk †µwWU (‡cøR) A_©vr cY¨ eÜKx|

10. 1. wm wm †cøR F‡Yi cb¨ gvwjKvbv n‡”Q FYMÖnxZvi wKš‘ cb¨
e¨vs‡Ki `L‡j _v‡K|
2. GwMÖ‡g›U di †cøR Ae ¸Wm – Ò e¨vsK I FYMÖnxZvi g‡a¨
m¤úvw`Z Pzw³| GB Pzw³i kZ© †gvZv‡eK Aí w`‡bi †bvwUk
w`‡q H cY¨ wewµ K‡i e¨vs‡K F‡Yi UvKv mgš^q Ki‡Z
cv‡i| Av`vj‡Z hvIqvi cÖ‡qvRb nq bv|
3. gvwR©b: 20%-30%
4 ‡cøR F‡Yi ‡ÿ‡Î mnvqK RvgvbZ wb‡Z n‡e bv|
5. GB F‡Yi †¶‡Î WKz‡g‡›Ukb m¤úbœ nIqvi ci wnmve Ly‡j
FYMÖnxZv FY wnmv‡e †jb‡`b Ki‡Z cv‡ibv| †KejgvÎ
cY¨ ‡cøR wnmv‡e RvgvbZ †i‡LB FY D‡Ëvjb Ki‡Z
cv‡i|
6. GB F‡Yi †¶‡Î FYMÖnxZv FY cwi‡kva Ki‡Z e¨_© n‡j
15w`‡bi †bvwUk w`‡q †cøRK…Z cY¨ wbjv‡g weµq K‡i
FY Av`vq Kiv hvq|
1. K¨vk †µwWU nvB‡cvw_‡Kkb F†Yi †¶‡Î c‡Y¨i gvwjKvbv
Ges `Lj Dfq B FY MÖnxZvi wbKU _v‡K|
2. Pzw³: GwMÖ‡g›U di K¨vk †µwWU nvB‡cvw_‡Kkb Ae ¸Wmt
Pzw³‡Z ejv n‡q‡Q e¨vsK hLb PvB‡e ZLbB FYMªnxZv
nvB‡cv Av‡ivcK…Z cY¨‡K †cø‡R iæcvšÍwiZ Ki‡e|
3. gvwR©b: 50%
4. GB F‡Yi ‡ÿ‡Î mnvqK RvgvbZ FY mxgv wظY wb‡Z n‡e |
5. GB F‡Yi †¶‡Î WKz‡g‡›UkY m¤úbœ nIqvi ci wnmve Ly‡j
FYMÖnxZv FY wnmv‡e †jb‡`b Ki‡Z cv‡i|
6. GB F‡Yi †¶‡Î FYMÖnxZv FY cwi‡kva Ki‡Z e¨_© n‡j
Av`vj‡Z gvgjv `v‡qi FY Av`vq Ki‡Z nq|
‡cøR nvB‡cvw_‡Kkb
cv_©K¨ t

11. K¨vk †µwWU t
• FY MÖnxZv t c‡Y¨i gvwjKvbv Ges `Lj |
• FY MÖnxZvi Pzw³ ÒGwMÖ‡g›U di K¨vk †µwWU nvB‡cvw_‡Kkb
Ae ¸WmÓ |
• c‡Y¨i Dci e¨vs‡Ki b¨vq m½Z `vexi AwaKvi |
 nvB‡cvw_‡Kkb SzuwKc~Y© wmwKDwiwU|
 mnvqK RvgvbZ ev †Kv†jUvivj wmwKDwiwU|
nvB‡cvw_‡Kkb

12. FY MÖnxZv wbev©Pbt
• cÖ¯ÍvweZ FY MÖnxZv F‡Yi Rb¨ wjwLZ Av‡e`b|
• wjwLZ Av‡e`‡b
• FY MÖn‡bi Kvib
• F‡Yi cwigvb
• e¨emv‡qi cÖK…wZ
• e¨emv‡qi AwfÁZv
• cÖv_wgK I mnvqK Rvgvb‡Zi weeiY Ges c~Y© wVKvbv
• e¨vs‡Ki mv‡_ Zvi KZ w`‡bi m¤ú©K|
• FY cÖvwß †hvM¨Zv hvPvB|
• FY cÖ¯Íve we‡ePbv|

13. K) e¨w³ msµvšÍ Z_¨t
1) bvMwiK mb`cÎ I †fvUvi AvB wW KvW©
2) AvqKi cwi‡kva iwk`/ wU AvB Gb b¤^i
3) Pvi(4) Kwc cvm‡cvU© mvB‡Ri Qwe
4) `yB Rb ¯’vbxq e¨emvqxi mb`cÎ
5) wk¶vMZ †hvM¨Zvi mvwU©wd‡KU

14. L) e¨emv msµvšÍ Z_¨t
nvjbvMv` †UªW jvB‡mÝ Ges cY¨ wfwËK †Kvb jvB‡mÝ hw` _v‡K:-
1) Lv`¨t- Lv`¨ km¨ jvB‡mÝ(Lv`¨ wbqš¿‡Ki `ßi n‡Z)
2) cvUt- cvU jvB‡mÝ (cvU Awa`ßi n‡Z)
3) mvit- wewmAvBwm wWjvikxc jvB‡mÝ (miKvi wbqwš¿Z mv‡ii †¶‡Î)
4) ‡cmwUmvBW jvB‡mÝ (KxUbvkK e¨emvi †¶‡Î)
5) Ab¨vb¨ mv‡ii Rb¨ K…wl Awa`߇ii jvB‡mÝ|
6) Jlat- WªvM jvB‡mÝ (WªvM mycvi n‡Z)|
7) cqRb jvB‡mÝ(WªvM mycvi n‡Z)|
8) wWwmi Aby‡gv`b (wW‡Rj I GwmW e¨emvi †¶‡Î)|
9) weGmwUAvB mvwU©wd‡KU (Lv`¨ cÖ¯‘ZKvix cÖwZôv‡bi †¶‡Î )|
10) ‡c‡Uªvevsjvi mvwU©wd‡KU (wW‡Rj I AK‡Ub e¨emvi †¶‡Î)|

15. L) e¨emv msµvšÍ Z_¨t ...
11) Avw_©K weeibx (BbKvg ‡÷U‡g›U Ges e¨vjvÝkxU)| FYMÖnxZv wjwg‡UW †Kv¤úvbx
n‡j cici wZbeQ‡ii AwWUK…Z e¨vjvÝ kxU|
12) e¨emv wb‡Ri wewìs G n‡j †nvwìs U¨v· cÖ`vb iwk` |
13) BRviv n‡j 3 eQ‡ii BRviv Pzw³i m‡½ fvov cwi‡kva iwk`|
14) BRviv `vZvi KvQ †_‡K BRviv Pzw³ f½ bv Kivi A½xKvi bvgv
15) M¨vm, Iqvmv, we`y¨r wej, ‡Uwj‡dvb wej BZ¨vw` miKvix cvIbv cwi‡kva iwk`|
14) Ab¨ †Kvb Avw_©K cÖwZôvb/ e¨vsK n‡Z †Kvb Fb †bB g‡©g 300/- UvKvi
bbRywWwmqvj óv‡¤úi Dci cÖZ¨qb cÎ|
15)Kg©Pvix‡`i bvg, c`ex, Ges gvwmK †eZ‡bi ZvwjKv|
16) ‡`bv`v‡ii ZvwjKv|
17) cvIbv`v‡ii ZvwjKv

16. L) e¨emv msµvšÍ Z_¨t ...
18) gRy` gvj I Zvi eZ©gvb g~‡j¨i ZvwjKv
19) Z…Zxq e¨w³ Rvwgb`vi n‡j Zvi wjwLZ m¤§wZ/†Nvlbv cÎ I 4 Kwc mZ¨vwqZ
Qwe|
G·‡cv©Uvi Ges B‡¤úvUvi© Gi †¶‡Ît-
20) AvBAviwm Ges BAviwm ( cÖavb Avg`vbx ißvbx wbqš¿K Awa`ßi n‡Z)
wjwg‡UW †Kv¤úvbxi †¶‡Ît-
21) ‡g‡gv‡iÛvg Ae G‡mvwm‡qkb|
22) AvwU©‡Kjm Ae G‡mvwm‡qkb|
23) mvwU©wd‡KU Ae BbKi‡cv‡ikb|
24) mvwU©wd‡KU Ae K‡g݇g›U Ae wewR‡bm (cvewjK wjwg‡UW Gi †¶‡Î)
25) ‡iRy‡jkb dig-G (Gd-183) I we (Gd-184)|

17. L) e¨emv msµvšÍ Z_¨t ...
26) ‡jUvi Ae AvÛvi‡UwKs (Gd-244)(G‡Z †Nvlbv _v‡K †h, Fb cwi‡kv‡ai
c~‡©e †Kv¤úvbx Ab¨ †Kvb e¨vs‡Ki wbKU Zvi m¤úwË `vqeä K‡iwb ev Ki‡e
bv)|
27) e¨vsK †_‡K Fb MÖn‡bi wel‡q †Kv¤úvbxi cwiPvjbv cwil‡` M„nxZ wm×všÍ
msµvšÍ †iRy‡jkb Gi Kwc|
28) ‡Kv¤úvbxi cwiPvjK‡`i wUAvBGb mvwU©wd‡KU|

18. M) cÖv_wgK RvgvbZ msµvšÍ
Z_¨t-
1) c‡Y¨i me©‡kl ÷K wj÷
2) cb¨ µ‡qi Bb‡fqm

19. N) mnvqK RvgvbZ msµvšÍ
Z_¨t
1) g~j gvwjKvbv `wjj
2) evqv `wjj
3) ‡iK©W Ae ivBU A_©vr wm Gm, Gm G, Avi Gm Ges we Gm
cP©vi mvwU©dvBW Kwc|
4) wgD‡Ukb cP©v
5) Wywcø‡KU Kve©b wiwmU( wW wm Avi)
6) nvj bvMv` LvRbvi iwk`
7) ‡gŠRv g¨vc

20. N) mnvqK RvgvbZ msµvšÍ
Z_¨t ...
8) m¤úwË n¯ÍvšÍwiZ nqwb GB g‡g© bb GbKvg eªv mvwU©wd‡KU
(Gb B wm)
9) j¨vÛ G¨vKzBwRkb Awdm †_‡K miKv‡ii nyKzg `L‡j c‡owb
GB g‡g© †bv Ae‡RKkb mvwU©wd‡KU (Gb I wm)
10) wewìs Gi †¶‡Î †cŠimfv/ wmwU K‡cv©‡ikb Aby‡gvw`Z
cøvb|
11) Rwgi g~j¨ gvb mvwU©wd‡KU ( FY MÖnxZv KZ©„K cÖ`Ë)|

21. FY cÖ¯Íve cÖYq‡bi c~‡e©
Kibxqt
Dc‡iv³ mKj Z_¨ I `wjj cÎvw` cvIqvi ci FY cÖ¯Íve cÖYq‡bi
c~‡e© e¨vsK wbgœ wjwLZ KvR m¤ú~b© Ki‡e|
1) PjwZ wnmve weeiYx cÖ¯‘ZKib|
2) Avw_©K weeiYx we‡kølb K‡i wmAviwR/AvBwmAviAviGm
cÖ¯‘ZKib|
3)kvLv e¨e¯’vcK m‡i Rwg‡b cÖv_wgK RvgvbZ cwi`k©b K‡i
cÖ¯ÍvweZ FY MÖnxZv KZ©„K cÖ`Ë ÷K wi‡cv©‡U ewY©Z cY¨ I g~j¨
mwVK Av‡Q g‡g© wbwðZ n‡eb|
4) mnvqK RvgvbZ A_©vr eÜKxZe¨ m¤úwË cwi`k©b K‡i Zvi
g~j¨vqb mb` cÎ cÖ¯‘Z Ki‡e|

22. FY cÖ¯Íve cÖYq‡bi c~‡e©
Kibxqt ...
5) ¯’vei m¤úwËi gvwjKvbv Ges `Lj wbwðZ nIqvi Rb¨ m¤úwËi
†PŠnwÏ wbb©q K‡i †PŠnwÏ dig Gd-444 c~iY Ki‡e|
6) mnvqK RvgvbZ msµvšÍ `wjjvw` e¨vsK Aby‡gvw`Z AvBbRxexi
Øviv cix¶v wbix¶v K‡i gvwjKvbv ¯^Z¡ mwVK Av‡Q g‡g© mb`cÎ
msMÖn Kiv|
7) evsjv‡`k e¨vsK †_‡K wm AvB we wi‡cv©U msMÖn Kiv|
8) ¯’vbxq e¨vsK I Avw_©K cÖwZôvb †_‡K FY MÖnxZv m¤ú©‡K
†Mvcbxq gZvgZ msMÖn Kiv|

23. FY cÖ¯Íve cÖYqb cÖwµqvt
Dc‡iv³ Kvhv©w` m¤ú~b© Kivi ci kvLv KZ©„K 4 cÖ‡¯’ Ges K‡cv©‡iU
kvLv KZ©„K 2 cª‡¯’ FY cÖ¯Íve cÖYqb Ki‡Z †m mKj KvMR cÎvw`
I Z_¨vw` mwbœ‡ek Ki‡Z nq Zv wb‡gœ †`qv n‡jv|
1) F‡Yi Rb¨ wjwLZ Av‡e`b cÎ|
2) e¨vs‡Ki wba©vwiZ Av‡e`b dig (dig¨vU-2) cÖ¯‘Z Kib|
3) ‡µwWU wi‡cv©U cÖ¯‘Z Kib|
4) eÜKxZe¨ m¤úwËi weeiYx †PŠnwÏ Gd-444 cª¯‘ZKib|

26. FY cÖ¯Íve cÖYqb cÖwµqvt
5) kvLv e¨e¯’vcK KZ©„K eÜKxZe¨ m¤úwËi g~j¨vqb mb`cÎ |
6) kvLv e¨e¯’vcK KZ©„K cÖZ¨wqZ FY MÖnxZvi ÷K wi‡cv©U|
7) wm Avi wR wi‡cv©U|
8) wm AvB we wi‡cv©U|
9) ¯’vbxq e¨vsKmg~n n‡Z msMÖnxZ †Mvcbxq gZvg‡Zi Kwc|
10) PjwZ wnmve weeiYx cÖ¯‘ZKib|
11)cÖ¯ÍvweZ FY MÖnxZv KZ©„K cÖ`Ë mKj KvMRcÎ I `wjjvw`i
mZ¨vwqZ Kwc ( g~j Kwc kvLvq msiw¶Z _vK‡e)|

27. FY gÄyix I `wjjvw`
m¤úv`b:
• FY cÖ¯Zve cvm nIqvi ci mswkøó Kvh©vjq n‡Z gÄyix cÎ
cÖ`vb Kiv nq|
• gÄyix c‡Î †ek wKQy kZ©vejx †`qv _v‡K| D³ kZ©vejx D‡jøL
K‡i FY MÖnxZv‡K GKwU G¨vWfvBm †`qv nq Ges GB
G¨vWfvBR‡K ejv nq KvD›Uvi cÖ‡cvRvj|
• gÄyix c‡Îi kZ©vejx FY MÖnxZvi Kv‡Q MÖnY‡hvM¨ g‡b n‡j
wbgœwjwLZ `wjjvw` m¤úv`b c~e©K FY myweav †fvM Ki‡Z
cv‡ib|

28. Sanction letter
• Name
• Nature
• Limit
• Interest Rate
• Margin
• Disbursement Process
• Date of expiry
• Repayment
• Terms & Conditions
• Should Signed in every page of the sanction letter If the Borrower agree with it.

33. FY gÄyix I `wjjvw`
m¤úv`b:
1) cÖv_wgK Rvgvb‡Zi Rb¨ e¨vsK Ges FY MÖnxZvi †hŠ_bv‡g
exgvKib|
2) mnvqK Rvgvb‡Zi Dci PvR© MV‡bi Rb¨ gU©‡MR wWW hvnvi
Aby‡gvw`Z AvBbRxex KZ©„K WªvdUK…Z Ges mve-†iwRóvi Awdm n‡Z
†iwRwóªK…Z|
3) e¨vs‡K D³ m¤úwË weµ‡qi Rb¨ ÕBwi†fv‡Kej cvIqvi Ae GUb©xÕ
cÖ`vb|
4) RywWwkqvj g¨vwR‡óª‡Ui wbKU FY msµvšÍ njdbvgv m¤úv`b Ges
kvLvq cÖ`vb|
5) e¨vs‡Ki we‡kl ¶gZvi kZ©|

34. FY gÄyix I `wjjvw`
m¤úv`b:
gÄyix c‡Îi kZ© †gvZv‡eK Dc‡iv³ `wjjvw` m¤úv`‡bi ci e¨vs‡Ki
wfZ‡i AviI wKQy `wjjvw` m¤úv`b Ki‡Z nq| †hgbt
• wW wc †bvU
• wW wc †bvU †Wwjfvix †jUvi
• GwMÖ‡g›U di nvB‡cvw_‡Kkb Ae ¸Wm A_ev †cøR n‡j GwMÖ‡g›U di †cøR Ae
¸Wm|
• ‡jUvi Ae A_wiwU (FY wnmv‡e hveZxq LiP Zvi FY wnmve †WweU K‡i
wgUv‡bvi Rb¨|
• Rvwgb`vi _vK‡jt-
• digÓ †KÓ †¯úkvj Ges digÓGÓ †¯úkvj wb‡Z n‡e|
• Ab¨vb¨ `wjjvw` (e¨emv‡qi cÖK…wZ I Rvgvb‡Zi ai‡bi Dci wbf©ikxj)

35. FY weZiY c×wZt
• Dc‡iv³ `wjjvw` m¤úv`‡bi ci FY MÖnxZv/ e¨emv cÖwZôv‡bi
bv‡g FY wnmve †Lvjv n‡e Ges †PK eB cÖ`vb Kiv n‡e| FY
wnmv‡ei cÖ_g †PKwU e¨e¯’vcK wb‡R cvm Ki‡eb|
• GB FY wnmve †_‡K FY MÖnxZv Zvi Kv‡iÝx wcwiqW, Kv‡iÝx
wjwgU Ges Wªwqs cvIqvi Gi g‡a¨ UvKv Zzj‡Z I UvKv Rgv
w`‡Z cvi‡eb|

36. my‡`i nvi I my` Av‡ivc
c×wZt
eZ©gvb K¨vk †µwWU wnmv‡e my‡`i nvi 9 % | Z‡e GB my‡`i
nvi cwieZ©b †hvM¨| FY wnmv‡e †WweU e¨vjv‡Ýi Dci ˆ`wbK
wfwˇZ GB my` wbb©q Kiv nq Ges ˆÎgvwmK wfwˇZ Av‡ivc
Kiv nq|
F‡bi gvwR©b
cÖv_wgK Rvgvb‡Zi 50%|

37. F‡Yi †gqv`t
K¨vk †µwWU FY GK eQ‡ii Rb¨ gÄyix †`qv nq Z‡e Bnv
bevqb‡hvM¨|
cwi‡kva c×wZt
cÖwZ 60 w`b AšZi mvgwqKfv‡e Ges wba©vwiZ mg‡q m¤ú~b©
cwi‡kva‡hvM¨|
Z`viwK I d‡jv Avct K¨vk †µwWU GKwU Pjvgvb FY, FY
MÖnxZv F‡Yi A_© h_vh_fv‡e e¨emv‡q wewb‡qvM, FY wnmv‡e
m‡šZvlRbK †jb‡`‡bi e¨e¯’v Ges fwel¨‡Z FYwU
†kªYxweb¨vwmZ bv nq †m wel‡q wbweo fv‡e Z`viwKi Rb¨
GKRb Kg©KZ©v‡K wb‡qvwRZ K‡i ivL‡Z n‡e Ges kvLv
e¨e¯’vcK‡K gv‡S gv‡S e¨emv cÖwZôvbwU cwi`k©b Ki‡Z n‡e|

38. Pledge Godown Management

39. • FY ev AwMÖg cÖ`v‡bi †¶‡Î ¸`vg I ¸`vg e¨e¯’vcbvi welqwU
Awbevh©fv‡e Av‡jvPbvq P‡j Av‡m| we‡kl K‡i c‡Y¨i wecix‡Z
†h mKj FY wnmve †Lvjv nq, †m¸‡jvi †¶‡Î ¸`vg e¨e¯’vcbv
Acwinvh© n‡q c‡o|
• mvaviYZt ¸`vg ej‡Z Avgiv Ggb GKwU myiw¶Z ¯’vb‡K eywS
†hLv‡b weµ‡qi D‡Ï‡k¨ gvjvgvj gRy` ivLv nq| GB ¸`v‡gi
mvwe©K Kg©KvÛ cwiPvjbv Kiv‡KB ¸`vg e¨e¯’vcbv e‡j|

40. DËg ¸`v‡gi ‰ewkó¨t-
• ¸`v‡gi gvwjKvbv mywbw`©ó n‡Z n‡e| A_v©r ¸`v‡gi gvwjKvbv FY
MÖnxZv A_ev e¨vs‡Ki nv‡Z _vK‡Z n‡e|
• ¸`vg gReyZfv‡e wbwg©Z, wbivc` ¯’vb, `yÕw`‡K †Lvjv Ges
hvbevnb PjvP‡ji gZ fvj iv¯Ív _vK‡Z n‡e|
• ¸`vgwU gvjvgvj ivLvi Rb¨ Dchy³ n‡Z n‡e| A_v©r gvjvgvj
ivLvi Rb¨ ¸`v‡gi †g‡Si Dci KvV A_ev evuk w`‡q gvPvb ˆZix
K‡i Dnvi Dci gvjvgvj msi¶Y Ki‡j gvjvgvj bó nq bv |

41. • ¸`v‡gi GKwU gvÎ `iRv _vK‡e|
• ¸`v‡gi KvQvKvwQ cvwbi e¨e¯’v _vK‡Z n‡e|
• ¸`v‡g AwMœ-cÖwZ‡iva e¨e¯’v _vK‡Z n‡e|
• ¸`vgwU exgvK…Z n‡Z n‡e|

42. • ¸`v‡gi gvwjKvbv n¯ÍvšÍi `wjj ( Gd-218 I Gd-219)
wb‡Z n‡e|
• ¸`v‡gi Bbmy‡iÝ cwjwm|
• ¸`vg cvnviv †`qvi R‡b¨ FY MªnxZvi m¤§wZ wb‡q cÖ‡qvRbxq
msL¨K †MvWvDb †PŠwK`vi wb‡qvM |
• ¸`v‡gi evB‡i I †fZ‡i e¨vs‡Ki mvBb ‡ev‡W© AÎ ¸`v‡gi
gvj-Ó †mvbvjx e¨vsK wjwg‡UW--------------kvLvq `vqeä
Av‡QÓ wj‡L Ggbfv‡e ¯’vcb Ki‡Z n‡e hv‡Z mn‡R mK‡ji
†Pv‡L c‡o|

45. • †MvWvDb †PŠwK`vi Ges †MvWvDb wKcvi Gi †eZb Mªvn‡Ki wnmve †_‡K
Av`vq Ki‡Z n‡e|
• ‡cøR ¸`vg e¨vs‡Ki Zvjve× Ae¯’vq _vK‡e| hZevi gvj Pledge A_ev
†Wwjfvix †`qv n‡e ZZ evi Zvjv‡K Kvco gy‡o mxjMvjv K‡i Zvjve×
Ki‡Z n‡e|
• ¸`v‡gi Pvwe _vK‡e kvLvi ÷ªs iæ‡g| †Kvb Ae¯’v‡ZB Pvwe Mªvn‡Ki nv‡Z
†`qv hv‡ebv| †MvWvDb wK †iwR÷v‡i (we-76) ZvjvPvwei †iK©W ivL‡Z
n‡e| ‡MvWvDb wKcvi Pvwe D‡Ëvj‡bi mgq H †iwR÷v‡i ZvwiL Ges mgq
D‡jøL K‡i ¯^v¶i w`‡q Pvwe D‡Ëvjb Ki‡eb Ges Rgv †`qvi mgqI Z`ªc
ZvwiL I mgq D‡jøL Ki‡eb|

46. gvj Pledge Mªnb Ges msi¶Yt-
• ‡cøR K…Z cY¨ c¨v‡KU AvKv‡i / AwiwRbvj Kb‡UBbvi / e¨vM / †ej / Wªvg
BZ¨vw`‡Z ivL‡Z n‡e Ges cÖwZwUi AvKvi I IRb mgvb n‡e| †Kvb
Ae¯’vq LyP‡iv gvj †cøR wnmv‡e ivLv hv‡ebv|
• gvj ‡cøR ¸`v‡g ivLvi mgq, FY MªnxZv KZ…©K cÖ`Ë Ges ¯^v¶wiZ ‡cøR
†jUvi (Gd-216) G ewb©Z gvjvgvj m¤ú©‡K Òc‡Y¨i ¸bMZgvb I IRb
mwVK Av‡Q, cY¨¸‡jv ¸`vgRvZKiY Kiv n‡q‡Q, AbyMÖnc~e©K ‡cøR wU Mªnb
Kiv nDKÓ wj‡L †MvWvDbwKcvi KZ…©K ¯^v¶wiZ n‡Z n‡e Ges kvLv
e¨e¯’vcK KZ…©K ÒM„nxZ n‡jvÓ g‡©g ¯^v¶wiZ n‡Z n‡e|
• kvLv e¨e¯’vcK KZ…©K ‡cøR †jUvi M„nxZ nIqvi ci Dnv ÷K †iwR÷vi (we-
83) †Z wjwceä Ki‡Z n‡e Ges WªBs cvIqvi †iwR÷vi (we-71) G ‡cøR
c‡Y¨i †gvU evRvi g~j¨ - gvwR©b = cÖ‡`q FY wjwceä K‡i Aby‡gvw`Z FY
D‡Ëvjb mxgv †P‡Ki gva¨‡g FY MªnxZv‡K cÖ`vb Ki‡Z n‡e|

49. • cÖwZ †¶‡Î Kv‡iÝx wcwiqW, Kv‡iÝx wjwgU Ges WªBs cvIqvi
we‡ePbvq Avb‡Z n‡e|
• ‡cøR ¸`v‡g Pledge K…Z cY¨ mvwie×fv‡e mvwR‡q ivL‡Z n‡e
Ges `yB mvwii gvSLv‡b dvKv _vK‡e hv‡Z Awdmvi KZ…©K cÖwZwU
e¨vM / c¨v‡KU (cÖ‡hvR¨ †¶‡Î wewfbœ iKg we‡ePbvq wb‡Z n‡e)
¸‡b cix¶v Ki‡Z cv‡ib (cÖ_g chv©‡q Pledge Mªn‡bi mgq
kvLv e¨e¯’vcK Dcw¯’Z _vK‡eb)|
• †MvWvDb B݇c±i ¸`v‡gi Pledge c‡Y¨i mvRv‡bvUv cix¶v
Ki‡eb Ges †Kv_vI †Kvb AmsMwZ Av‡Q wKbv Zv †`L‡eb|

50. • Pledge K…Z cY¨mg~n h_vh_fv‡e ¸`vgRvZ Kivi ci †MvWvDb
Bb‡W· KvW© ev †MvWvDb PvU© (Gd-213) c‡Y¨i weeiY wj‡L
Zv‡Z mswkøó Kg©KZ©v ¯^v¶i K‡i ¸`vg Zvjve× Ki†eb Ges G
†¶‡Î kZ© _v‡K †h, ¸`vg Zvjve× Kivi ci Aek¨B mxjMvjv
Ki‡Z n‡e Ges cªwZevi ¸`vg †_‡K cY¨ †ei Kiv wKsev ¸`v‡g
cY¨ XyKv‡bvi mgq mxjMvjv Ki‡Z n‡e|
• ¸`v‡gi Pvwe kvLvi wK †iwR÷vi( we-76) G wjwce× K‡i ÷ªs
iy‡g msi¶Y Ki‡Z n‡e|
• ‡MvWvDb B݇c±I wbqwgZ c‡Y¨i cwi`k©b Ki‡eb|

51. Pledge K…Z gvj †Wwjfvixi c×wZt-
• Pledge ¸`vg †_‡K gvj Qvo Kiv‡Z PvB‡j hZ gvj wb‡e Zvi Rb¨
MªvnK wjwLZfv‡e Av‡e`b Ki‡eb Ges cÖ‡qvRbxq UvKv FY wnmv‡e Rgv
Ki‡eb|
• e¨vsK Mªvn‡Ki c‡¶ †MvWvDb wKcv‡ii bv‡g g¨v‡bRv‡ii ¯^v¶wiZ
†Wwjfvix AWv©i (Gd-220) Bmy¨ Ki‡eb Zv‡Z cwi¯‹vifv‡e D‡jøL _vK‡e
wK cY¨ Ges wK cwigvb †Wwjfvix †`qv n‡”Q|
• gvj †Wwjfvix †bqvi ci MªvnK †Wwjfvix AWv©‡ii wecixZ c„ôvq cY¨
h_vh_fv‡e eywSqv cvBqv‡Q g‡g© ¯^v¶i K‡i †Wwjfvix AWv©iwU e¨vs‡K
†diZ w`‡eb|
• wWI †jUvi †diZ cvIqvi ci †Wwjfvix AWv©i †iwR÷v‡i Gw›Uª w`‡Z n‡e
hv‡Z g¨v‡bRvi ¯^v¶i Ki‡eb|

54. • ‡MvWvDb wKcvi I Mªvn‡Ki †hŠ_ ¯^v¶‡ii †WBwj ÷K cwRkb †g‡gv (Gd-238)
cÖ¯‘Z K‡i kvLv e¨e¯’vcK Øviv ¯^v¶i mbv³ K‡i kvLvq msi¶Y Ki‡Z n‡e |
• g¨v‡bRvi A_ev fvicÖvß Awdmv†ii ¯^v¶wiZ wWI Qvov gvj †Wwjfvix †`qv hv‡ebv
Ges wWI ‡Z Aek¨B MªnxZvi AbyKz‡j cY¨ cª`v‡bi K_v ¯úófv‡e D‡jøL _vK‡Z
n‡e|
• gvj †Wwjfvix †`qvi ci wbgœ ewb©Z dig I †iwR÷vi Avc-Uz-‡WU Ki‡Z n‡e-
K) †MvWvDb PvU© Gd-213|
L) ÷K †iwR÷vi we-83
M) WªBs cvIqvi †iwR÷vi we-71

56. Renewal of Loan
• Application from the borrower .
• Board Resolution
• Trade license
• Financial statement for last one year.
• Credit Report
• CIB Report
• CRG
• Stock Report

57. Banking Professional Examination
[Module-B: Principles of Sound Lending and Credit Process & Investigation]
• State the activities associated with credit operations of a
bank.
• Draw a diagram showing the different stages of credit
operations.
• What are the functions of the relationship manager (RM) of a
bank?
• What are the functions of the credit administration
department (CAD) of a bank?
• What are the different types of credit that are currently
extending by Bangladeshi commercial banks? Discuss briefly.

58. THANK YOU