banking

1. G‡R›U e¨vswKs Kx?
G‡R›U e¨vswKs n‡”Q evsjv‡`k e¨vsK Aby‡gvw`Z GKwU bZzb e¨vswKs e¨e¯’v, hvi
gva¨‡g cÖwZwU ‡jb‡`b Òev‡qv‡gwUªK †gwkbÓ e¨envi K‡i MÖvn‡Ki Av½y‡ji Qvc
mbv³Ki‡bi gva¨‡g cwiPvjbv Kiv nq|
G‡R›U e¨vswKs KZUzKz wbivc`?
DBBL G‡R›U e¨vswKs 100% wbivc`, KviY G‡Z MÖvn‡Ki ¯^vÿ‡ii cvkvcvwk
Av½y‡ji Qvc _vK‡e| ev‡qv‡gwUªK †gwkb KZ©„K MÖvn‡Ki Av½y‡ji Qv‡ci mwVKZv
wba©vi‡bi c‡iB †Kej GKvD›U-G †jb‡`b Kiv hv‡e|
ev‡qv‡gwUªK GKvD›U wK?
DBBL Aby‡gvw`Z G‡R›U e¨vswKs c‡q›U †_‡K MÖvnK Zuvi Av½y‡ji Qvc e¨envi K‡i
†h GKvD›U †Lv‡jb Zv‡K ev‡qv‡gwUªK GKvD›U ejv nq|
DBBL ev‡qv‡gwUªK GKvD›U-Gi myweav mg~n Kx Kx?
Òev‡qv‡gwUªK †gwkbÓ e¨envi K‡i MÖvn‡Ki Av½y‡ji Qvc mbv³Ki‡bi
gva¨‡g 100% wbivc` †jb‡`‡bi e¨e¯’v|
cÖK…Z AbjvBb e¨vswKs †mev hv ‡`ke¨vcx ‡h ‡Kvb mgq ‡h ‡Kvb ¯’v‡b
cvIqv hv‡e|
RgvK…Z UvKvi Dci gybvdv jv‡fi myweav|
UvKv m‡qi GKwU Abb¨ e¨e¯’v|
DBBL ev‡qv‡gwUªK GKvD›U-Gi gva¨‡g Kx Kx †mev cvIqv hv‡e?
mÂqx wnmve †Lvjv
bM` UvKv Rgv`vb/ D‡Ëvjb
wd·W& wW‡cvwRU (FDR)
wW‡cvwRU cøvm ¯‹xg (DPS)
Ab¨ GKvD‡›U UvKv ¯’vbvšZi
†eZb/fvZv cÖ`vb
GKvD›U e¨v‡jÝ Rvbv
we‡`k n‡Z ‡cÖwiZ A_© MÖnb|
ZvQvov wb‡¤oev³ myweav mg~nI cvIqv hv‡e
‡WweU KvW©, hvi gva¨‡g MÖvnK DBBL dv÷& Uª¨vK I ATM †_‡K UvKv
D‡Ëvjb Ges gv‡P©›U †`vKvb †_‡K †KbvKvUv Ki‡Z cvi‡eb|
DBBL Gi †h‡Kvb kvLvq †jb‡`‡bi myweav|
gv‡P©›U ‡c‡gÈ|
†Kv_vq G‡R›U e¨vswKs Gi AvIZvq ev‡qv‡gwUªK GKvD›U Lyj‡eb?
DBBL g‡bvbxZ †h‡Kvb G‡R›U e¨vswKs c‡q‡›U ev‡qv‡gwUªK GKvD›U †iwR‡÷ªkb Kiv
hv‡e| ZvQvov DBBL dv÷& Uª¨vK †_‡KI ev‡qv‡gwUªK GKvD›U ‡iwR‡ó«kb Ki‡Z
cvi‡eb|
ev‡qv‡gwUªK GKvD›U †iwR‡óªk‡bi Rb¨ cÖ‡qvRbxq KvMRcθ‡jv Kx Kx?
c~iYK…Z KYC evGKvD›U ‡Lvjvi dig (hv g‡bvbxZ G‡R›U‡`i Kv‡Q
cvIqv hv‡e)
MÖvn‡Ki I bwgwbi Qwe
RvZxq cwiPqcÎ A_ev Ab¨ †h †Kvb Qwe m¤^wjZ MÖnY‡hvM¨ cwiPqcÎ
wKfv‡e ev‡qv‡gwUªK GKvD›U †iwR‡÷ªkb Ki‡eb?
MÖvnK DBBL g‡bvbxZ †h‡Kvb G‡R›U e¨vswKs c‡q‡›U G‡m KYC
(GKvD›U ‡Lvjvi dig) c~iY K‡i RvZxq cwiPqcÎ A_ev Ab¨ †h †Kvb
Qwe m¤^wjZ MÖnY‡hvM¨ cwiPqc‡Îi Abywjwc I Zuvi wb‡Ri Ges bwgwbi
Qwemn G‡R‡›Ui Kv‡Q Rgv w`‡eb|
G‡R›U hveZxq KvMRcÎ hvPvB c~e©K ev‡qv‡gwUªK †gwk‡b jM Bb K‡i
MÖvn‡Ki RvZxq cwiPqcÎ A_evAb¨ †h †Kvb Qwe m¤^wjZ MÖnY‡hvM¨
cwiPqc‡Îi bv¤^vi cÖ`vb Ki‡eb Ges MÖvn‡Ki Av½y‡ji Qvc ev‡qv‡gwUªK
†gwk‡b MÖnY Ki‡eb|
cieZ©x‡Z e¨vsK Kg©KZ©vMÖvn‡Ki KvMRc‡Îi mZ¨Zv hvPvB c~e©K
GKvD›UwU Aby‡gv`b Ki‡e| Aby‡gv`‡bi mv‡_ mv‡_ Avcwb GKwU SMS

2. cv‡eb (hw` †gvevBj bv¤^vi †`qv _v‡K)|
GKvD›U Lyj‡Z KZ UvKv cÖ‡qvRb?
gvÎ 10/- (`k) UvKv Rgv w`‡q GKRb MÖvnK DBBL G‡R›U e¨vswKs Gi AvIZvq
ev‡qv‡gwUªK GKvD›U Lyj‡Z cvi‡eb|
GKvD›U †Lvjvi m‡½ m‡½B wK UvKv Rgv I D‡Ëvjb Kiv hv‡e?
GKvD›U †Lvjvi m‡½ m‡½B UvKv Rgv †`qv hv‡e| Z‡e GKvD›UwU Aby‡gv`b nIqvi
ci UvKv †Zvjv hv‡e| e¨vsK Kg©KZ©v †iwR‡óªkb di‡g (KYC) cÖ`Ë Z_¨vejx hvPvB
K‡i GKvD›UwU Aby‡gv`b Ki‡eb| mvavibZ GKvD›U Aby‡gv`‡bi Rb¨ 1-2 Kg©w`em
cÖ‡qvRb nq| ZvQvov G‡R›U c‡q‡›U ev‡qv‡gwUªK GKvD›U †Lvjvi mv‡_ mv‡_ GKvD›U
bv¤^vi m¤^wjZ GKwU KvW© MÖvnK‡K †`Iqv n‡e|
ATM KvW© †Kv_vq, wKfv‡e cvIqv hvq?
MÖvn‡Ki GKvD›U Aby‡gv`‡bi ci MÖvnK mswkøó †Rjvkn‡i Aew¯’Z DBBL Gi
Ò‡gvevBj e¨vswKs I G‡R›U e¨vswKs AwdmÓ †_‡K GKwU ATM KvW© msMÖn Ki‡Z
cvi‡eb| ATM Kv†W©i Rb¨ cÖ g ermi †Kvb PvR© cÖ‡hvR¨ n‡e bv| Z‡e wØZxq
ermi †_‡K evrmwiK UvKv 345/- (f¨vU mn) PvR© cÖ‡hvR¨ n‡e| DBBL Gi †Kvb
ATM ev dv÷& Uª¨vK-G †jb‡`‡bi Rb¨ †Kvb wd w`‡Z n‡e bv|
wKfv‡e UvKv Rgv w`‡eb?
MÖvnK UvKv Rgv`v‡bi Rb¨ G‡R›U‡K Zuvi ev‡qv‡gwUªK GKvD›U bv¤^vi
ej‡eb Ges G‡R‡›Ui wbKU UvKv Rgv w`‡eb|
G‡R›U ev‡qv‡gwUªK †gwk‡b MÖvn‡Ki GKvD›U bv¤^vi I RgvK…Z UvKvi
cwigvb cÖ‡ek Kiv‡eb|
G‡R›U MÖvnK‡K UvKv Rgv`v‡bi iwk` w`‡eb|
MÖvnK m‡½ m‡½ UvKv Rgv`v‡bi Z_¨ Zuvi †gvevB‡j SMS Gi gva¨‡g
Rvb‡Z cvi‡eb (hw` †gvevBj bv¤^vi †`qv _v‡K)|
wKfv‡e G‡R›U c‡q›U n‡Z UvKv D‡Ëvjb Ki‡eb?
MÖvnK UvKv D‡Ëvj‡bi Rb¨ G‡R›U‡K Zvi ev‡qv‡gwUªK GKvD›U bv¤^vi I
UvKvi cwigvY ej‡eb|
G‡R›U ev‡qv‡gwUªK †gwk‡b MÖvn‡Ki GKvD›U bv¤^vi I D‡ËvjbK…Z UvKvi
cwigvb cÖ‡ek Kiv‡eb Ges MÖvn‡Ki Av½y‡ji Qvc †bqvi gva¨‡g MÖvnK‡K
mbv³ Ki‡eb| Av½y‡ji Qvc cÖ`v‡bi c~‡e© MÖvnK Aek¨B ev‡qv‡gwUªK
†gwk‡bi ¯OEx‡b UvKvi cwigvb I GKvD›U bv¤^vi hvPvB K‡i wb‡eb|
G‡R›U MÖvnK‡K UvKv cÖ`vb Ki‡eb Ges ¯^qswμqfv‡e MÖvn‡Ki GKvD›U
†_‡K mgcwigvb UvKv K‡g hv‡e|
MÖvnK m‡½ m‡½ UvKv D‡Ëvj‡bi Z_¨ Zuvi †gvevB‡j SMS Gi gva¨‡g
Rvb‡Z cvi‡eb (hw` †gvevBj bv¤^vi †`qv _v‡K)|
ev‡qv‡gwUªK GKvD‡›Ui gva¨‡g wKfv‡e Aci e¨vw³i GKvD‡›U UvKv ¯’vbvšÍi
(P2P) Ki‡eb?
ev‡qv‡gwUªK GKvD‡›Ui MÖvnK G‡R›U e¨vswKs c‡q‡›U wM‡q UvKvi cwigvb Ges
MÖnxZvi GKvD›U bv¤^vi ej‡eb| G‡R›U ev‡qv‡gwUªK †gwk‡b jM Bb K‡i dvÛ
UªvÝ&dvi †gby¨‡Z hv‡eb Ges MÖvn‡Ki GKvD›U bv¤^vi I UvKvi cwigvb cÖ`vb
Ki‡eb| MÖvnK, MÖnxZvi GKvD›U bv¤^vi I UvKvi cwigvb wVK Av‡Q wKbv hvPvB
K‡i Av½y‡ji Qvc cÖ`vb Ki‡eb| Av½y‡ji Qvc mbv³Ki‡bi ci wm‡÷g MÖvn‡Ki
GKvD›U †_‡K UvKv †K‡U mgcwigvb UvKv MÖnxZvi GKvD‡›U Rgv Ki‡e| G‡R›U
MÖvnK‡K UvKv cvVv‡bvi iwk` w`‡eb| ZvQvov MÖvnK Ges MÖnxZv `yR‡bB GB
†jb‡`‡bi wbwðZKib SMS cv‡eb (hw` †gvevBj bv¤^vi †`qv _v‡K)|
we‡`k †_‡K wKfv‡e †iwg‡UÝ cvVv‡eb?
we‡`‡k Aew¯’Z WvP&-evsjv e¨vsK Ges Ab¨vb¨ evsjv‡`kx e¨vs‡Ki g‡bvbxZ †h †Kvb

3. Exchange House †_‡K MÖvnK ev‡qv‡gwUªK GKvD‡›U mivmwi †iwg‡UÝ cvVv‡Z
cv‡ib| MÖvn‡Ki cvVv‡bv UvKv 24-72 N›Uv (WvP&-evsjv e¨vsK g‡bvbxZ Exchange
House Gi †¶‡Î 24 N›Uv) Gi g‡a¨ †ewbwdwmqvix/†iwg‡UÝ MÖnxZvi ev‡qv‡gwUªK
GKvD‡›U Rgv n‡q hv‡e| GB mnR myweav †c‡Z Exchange House G wM‡q wb‡Pi
Z_¨¸‡jv w`b t
UvKvi cwigvb
hvi Kv‡Q UvKv cvVv‡eb Zvi bvg, e¨vs‡Ki bvg (Dutch-Bangla Bank) I
ev‡qv‡gwUªK GKvD›U b¤^i
†iwg‡UÝ MÖnxZv wKfv‡e Zvi GKvD›U †_‡K UvKv D‡Ëvjb Ki‡eb?
UvKv GKvD‡›U Rgv nIqvi mv‡_ mv‡_ †iwg‡UÝ MÖnxZv Zuvi †gvevB‡j SMS Gi
gva¨‡g Rvb‡Z cvi‡eb (hw` †gvevBj bv¤^vi †`qv _v‡K)| AZtci MÖnxZv DBBL
KZ©„K wbhy³ †h‡Kvb G‡R›U e¨vswKs c‡q›U †_‡K we‡`k n‡Z †cÖwiZ UvKv D‡Ëvjb
Ki‡Z cvi‡eb| ZvQvov DBBL Gi †h ‡Kvb kvLv, dv÷& Uª¨vK I ATM †_‡KI UvKv
D‡Ëvjb Ki‡Z cvi‡eb|
wKfv‡e Avcbvi GKvD‡›Ui e¨v‡jÝ/‡÷U&‡g›U Rvb‡eb?
GKvD›U e¨vjvÝ/†÷U&‡g›U Rvb‡Z MÖvnK‡K G‡R›U e¨vswKs c‡q‡›U †h‡Z n‡e| G‡R›U
ev‡qv‡gwUªK †gwk‡b MÖvn‡Ki Av½y‡ji Qvc †bqvi gva¨‡g MÖvnK‡K mbv³ Ki‡eb Ges
e¨vjvÝ/†÷U&‡g›U MÖvnK‡K Rvbv‡eb|
MÖvnK wK ev‡qv‡gwUªK GKvD‡›U RgvK…Z UvKvi Dci gybvdv cv‡eb?
nu¨v| MÖvnK Zuvi ev‡qv‡gwUªK mÂqx GKvD‡›U RgvK…Z UvKvi Dci e¨vsK KZ©„K
wba©vwiZ nv‡i lvb¥vwlK wfwˇZ gybvdv cv‡eb, hv eZ©gv‡b kZKiv 3 fvM nv‡i wba©vib
Kiv n‡q‡Q|
ev‡qv‡gwUªK wW‡cvwRU cøvm ¯‹xg (DPS) wK?
ev‡qv‡gwUªK wW‡cvwRU cøvm ¯‹xg (DPS) n‡”Q `xN©‡gqv`x mg‡qi Rb¨ UvKv
Rgv‡bvi GKwU Abb¨ e¨e¯’v| MÖvnK UvKv 100/- †_‡K ïiæ K‡i UvKv 100/- Gi
¸wYZK †h‡Kvb A‡¼i Dci 3, 5, 8 I 10 eQi †gqv`x ev‡qv‡gwUªK wW‡cvwRU
cøvm ¯‹xg (DPS) Lyj‡Z cvi‡eb| GLv‡b me‡P‡q eo myweav n‡”Q MÖvn‡Ki
ev‡qv‡gwUªK GKvD›U †_‡K wbw`©ó cwigvb UvKv wbw`©ó mg‡q ¯^qswμqfv‡e †K‡U
ev‡qv‡gwUªK wW‡cvwRU cøvm ¯‹xg (DPS) - G Rgv n‡q hv‡e| ZvQvov †gqv` †k‡l
i‡q‡Q AvKl©bxq gybvdv|
ev‡qv‡gwUªK wd·W& wW‡cvwRU wiwmÞ& (FDR)t
G‡R›U e¨vswKs-Gi gva¨‡g UvKv 10,000/- ev Zvi †P‡q †ekx cwigvb UvKvi Rb¨ 3
gvm, 6 gvm ev 12 gvm †gqv`x wd·W& wW‡cvwRU ev FDR Kiv hvq| ev‡qv‡gwUªK FDR
Kivi Rb¨ MÖvnK Zuvi ev‡qv‡gwUªK mÂqx wnmv‡e wba©vwiZ cwigvb UvKv Rgv w`‡q
GKwU dig c~ib Ki‡eb| ev‡qv‡gwUªK mÂqx wnmve †_‡K UvKv wb‡q Avcbvi FDR wU
†Lvjv n‡e Ges Avcbv‡K GKwU iwm` †`Iqv n‡e| †gqv`‡šÍ gybvdvmn mg~`q UvKv
Avcbvi ev‡qv‡gwUªK mÂqx wnmv‡e cÖ`vb Kiv n‡e|
WvP&-evsjv e¨vs‡Ki kvLvq mÂqx wnmve †Lvjv MÖvnKMb wKfv‡e G‡R›U e¨vswKs
†_‡K mvwf©m †c‡Z cv‡ib?
WvP&-evsjv e¨vs‡Ki ‡h‡Kvb kvLvq mÂqx wnmve †Lvjv MÖvnKMb e¨vs‡Ki †h‡Kvb
kvLvq Dcw¯’Z n‡q Zuvi Av½y‡ji Qvc †iwR‡÷ªkb Kivi gva¨‡g G‡R›U e¨vswKs c‡q›U
†_‡K mvwf©m ‡c‡Z cvi‡eb| MÖvnK †iwR‡÷ªk‡bi Rb¨ wb‡¤oev³ c×wZ AbymiY
Ki‡eb|
MÖvnK WvP&-evsjv e¨vs‡Ki †h‡Kvb kvLvq †iwR‡÷ªkb Kivi Rb¨ Avm‡eb|
wbw`©ó †iwR‡÷ªkb dig c~iY K‡i GKvD‡›U cÖ`Ë ¯^vÿi cÖ`vb Ki‡eb |
MÖvn‡Ki ¯^vÿi I Qwe hvPvB K‡i e¨vsK Kg©KZ©vev‡qv‡gwUªK †gwk‡b
MÖvn‡Ki Av½y‡ji Qvc wb‡eb Ges GKvD›UwU ev‡qv‡gwUªK †gwk‡b ‡jb‡`b
Kivi Rb¨ †iwR‡÷ªkb K‡i w`‡eb|
Gici MÖvnK evsjv‡`‡ki †h‡Kvb ¯’v‡b Aew¯’Z WvP&-evsjv e¨vs‡Ki G‡R›U
e¨vswKs c‡q‡›U UvKv Rgv I D‡Ëvjb Ki‡Z cvi‡eb|
G‡R›U e¨vswKs c‡q‡›U UvKv Rgvi Rb¨ †Kvb wd †bB, Z‡e D‡Ëvj‡bi
Rb¨ 0.50% nv‡i wd cÖ‡hvR¨|

4. Gai‡bi GKvD‡›U m‡e©v”P ‰`wbK 2 evi, cÖwZevi UvKv 50,000/- I
gv‡m UvKv 5,00,000/- †jb‡`b Kiv hv‡e|
Territory (GjvKv) wK?
mvavibZ cÖwZwU Dc‡Rjv‡K GKwU Territory ev GjvKv ejv nq| MÖvnK †h
Dc‡Rjv †_‡K GKvD›U Lyj‡eb wZwb †mB Territory evGjvKvi ev‡qv‡gwUªK
GKvD‡›Ui MÖvnK wn‡m‡e we‡ewPZ n‡eb| GKB Territory evGjvKvq †jb‡`‡bi
†ÿ‡Î †Kvb wd jvM‡e bv| Ab¨ Territory ev GjvKv -‡Z UvKv Rgv ev ATM - G
†jb‡`‡bi Rb¨I †Kvb wd †bB| Z‡e Ab¨ GjvKvi G‡R‡›Ui KvQ †_‡K UvKv †Zvjvi
†ÿ‡Î wd cÖ‡hvR¨| we¯ÍvwiZ wb‡Pi †Uwe‡j †`Iqv njt
ev‡qv‡gwUªK GKvD‡›U wd I mvwf©m PvR©t
weeiY wbR¯^ GjvKvq Ab¨ GjvKvq
†iwR‡÷ªkb wd wd « wd «
G‡R›U e¨vswKs c‡q‡›U UvKv Rgv`vb wd « wd «
G‡R›U e¨vswKs c‡q‡›U UvKv D‡Ëvjb wd « D‡ËvjbK…Z UvKvi 0.50%
DBBL kvLv/dv÷& Uª¨v‡K UvKv Rgv/ D‡Ëvjb wd « wd «
DBBL ATM n‡Z UvKv D‡Ëvjb wd « wd «
P2P UvKv ¯’vbvšiÍ wd « ¯’vbvšwÍ iZ UvKvi 0.25%
e¨v‡jÝ AbymÜvb wd « wd «
†iwg‡UÝ cÖ`vb (ev‡qv‡gwUªK GKvD‡›U) wd « wd «
†eZb weZiY wd « wd «
G‡R›U c‡q‡›U ev‡qv‡gwUªK GKvD‡›U †jb‡`‡bi mxgv KZ? (MÖvn‡Ki Rb¨)
‰`wbK
Rgv/ D‡Ëvjb (msL¨v) m‡e©v”P 2 evi
ATM ‡jb‡`b (msL¨v) m‡e©v”P 5 evi
P2P (msL¨v) m‡e©v”P 5 evi
cÖwZ
Rgvi cwigvb m‡e©v”P 1,00,000/-
D‡Ëvj‡bi cwigvb m‡e©v”P 50,000/-
ATM D‡Ëvj‡bi cwigvb m‡e©v”P 20,000/-
P2P-Gi cwigvb m‡e©v”P 50,000/-
cÖwZw`b ATM D‡Ëvj‡bi cwigvb m‡e©v”P 50,000/-
gvwmK
Rgvi cwigvb m‡e©v”P 10,00,000/-
D‡Ëvj‡bi cwigvb m‡e©v”P 5,00,000/-
P2P-Gi cwigvb m‡e©v”P 5,00,000