WH$~mH$s ì`ñWmnZ

~°±H$mMo J«mhH$, Ë`m§À`m JaOm `m ~°±H$mÀ`m J«mhH$ godoMo A{Ve` _hËd Amho. J«mhH$m§Zm OmgñVrV OmñV g_mYmZH$maH$nUo ~°±H$sJ godm H$em XoVm `oVrc `m ~m~VrV gd©M ~°±H$m H$gmoerZo à`ËZerc AgVmV.

eŠ` VodT>r CËH$wð J«mhH$ godm XoV AgVm§Zm, {deofV  H$O© {d^mJm_Ü`o ~°±H$mH$S>y>Z MyHU R>odUmè`m A{YH$marUrZmhr H$miOr H$amd`mg cmdUmar Pmcocr Amho  _moR>_moR>`m amï>—>r`H$¥V ~°±H$m, gd© ì`mnmar ~°§H$m VgoM chmZ_moR>`m ghH$mar d ZmJar ~°±H$m `mcm AndmX ZmhrV. gd© ~°±H$mÀ`m ~m~VrV AmOH$c EZ nr E hm ~°±H$mMo Am{W©H Amaom½` Xe© {dUmam nadcrMm eãX Pmcm Amho Am{U åhUyZM WH$JmH$s ì`gñWmnZ   ( Overdues Management ) `m {df`mda {dñV¥V coIm ^maV gaH$ma d [aP©d ~°±H$ `m§Zr `m g§X^m©Vrc Za{gh_ g{_VrMm Ahdmc pñdH$méZ  1992 nmgwZ gd© ~°±H$mZm gXa g{_VrÀ`m {e\$maerÀmr A_§c~OmdZr H$aÊ`mg gm§{JVco. VoìhmnmgwZ EZ nr E (Zm°Z na\$m°{_J A°goQ>) Mr Aä`mgnyU© _mhrVr ì`mnmar VgoM ghH$mar úmoÌmVrc gd© ~°±H$m§Zm Pmcocr Amho .EZ nr E ( CËnmXZ úm_Vm Zgcocr ImVr ) `m g§$m, AnwaonUm, Xmof, d¢Jao ~m~r KS>y>Z H$O©ImVr WH$~mH$s _Ü`o OmÊ`mMm YmoH$m g§^dVmo> .

~°±H$m_Yrc H$O© {d^mJmMr pñWVr g§~§YrV d¢`{º$H  ~°±H$m à_mUoM Ë`mÀ`mda {Z`§ÌH$ënUoImcr ImË`mMo dJr©H$aZ H$aÊ`mnydr© WH$~mH$s à_mU (Q>¸$o$dmarV) `m {ZX©eH$mdéZ  ~°±H$mMo A{W©H$ ñdmñW H$go Amho / hmoVo `mMo kmZ {_iV hmoVo . VWmnr WH$~mH$s à_mU EodOr EZ nr E hm {ZX©em§H$ àË`oúm dmnamV Amë`mnmgyZ  ~°±H$mÀ`m Am{W©H ì`dhmam_Ü`o A{YH$ nmaXe©nUm Amcm Amho.

BVa A{W©H$ {ZH$fm~amo~a EZ nr E {ZX©eH$mMm H$mQ>oH$moa dmna H$éZM ~°H$mÀ`m {dñVmamË_H$ $d {dH$mgmË_H$ àñVmdZm [aP©d ~°§H$o$H$S>¥yZ {hadm H$§{Xc XmIdcm OmVmo Am{U åhUyM ~°±H$mMr gd©gmYmaU Am{W©H  pñWVr Aä`mgVm§Zm $qH$dm {dH$mgË_H$ H$m`©H$«_ am~{dVmZm§ EZ Eg E {ZX©emH$ A{Ve` _hËdmMr d _mocmMr ^y_rH$m ~OmdVmo.

~°±H$m_Yrc WH$~mH$sMr Z{dZ n[a^mfoV EZ nr E Mr Q>¸$o$dmar gd©gmYmaUnUo OmñV à_mUmV Amho {XgwZ `oVo (10% noúmm OmñV ) AWm©V AndmXË_H$nUo H$mhr ~°±H$mMr EZ nr E pñWVr hr ImamoImaM H$m¢VwH$mñnX (5% qH$dm Ë`mnoúmm H$_r ) Amho . `m gd© n[apñWMm gmVË`mZo {dMma H$ocm AgVm EZ nr E g§H$ënZm A_§c~OmdUrV Amë`mZ§Va gw_mao 5 dfm©Zr ì`mnmar VgoM ghH$mar úmoÌmVrc ~°H$§mgh gd©M Am{W©H g§ñWmZr EZ nr E Mo à_mU H$_rV H$_r amIZo {H$§dm Ë`mMo A{VpËgËdM Z R>odUo `m~m~VrV Jm§^r`m©Zo {dMma H$aÊ`mMr doi AmVm Amcr Amho. `m~m~VrV XmoZ _w²Úo  {dMmamV Úmdo cmJVrc 

_w²Úm  : 1

EZ.nr.E. _wimVM hmoC Z`o (qH$dm Pmë`mg {H$_mZ nmVirda amhrc ) `mgmR>r à{V~§YmË_H$ qH$dm gmdY{JarMo H$mhr Cnm` `moOZm AmhoV H$m` ?

CËÎma : hmo`  AgoM Amho.

_w²Úm  : 2

ApËgËdmV Agcocm EZ.nr.E. g§ñWoZo VgoM aŠH$_oZo (n`m©`mZo Q>Š¸$o$dmarZo ) H$_r H$aVm `oVmo H$m ?

`mMohr CËÎma  hmo` AgoM Amho .

AWm©VM, XmoÝhrhr àíZ§mMr CËÎmao hmoH$mamWr©M AmhoV  hmo` IaM ho gd© eŠ` Amho. eŠ`M Zìho Va Ë`mMr A_c~OmdZr H$éZ àË`oH$úmmV à{MVr KoVm `oVo Ë`mgmR>r gmdY{JaoMo _mJ© d à{V~YZmË_H$ H$madmB©Mr VËdo ZrQ> g_OmdyZ KoVcr nmhrOo Ë`mMm Aä`mgnyU© AÝd`mW© cmdyZ àË`oH$emV dmnacr nmhrOoV. Ë`mgmR>r Amdí`H$ Vmo nmR>nwamdm H$ocm nmhrOo . H$moUË`mhr A{_fmcm qH$dm X~mdmcm ~ir Z nS>Vm  gd© _mJ© d VËdo `m§Mo H$mQ>oH$moanUmZo nmcZ H$oco nmhrOo. WmoS>mgmhr {ZîH$miOrnUm, {H$MrVer ~o{\$H$sar $qH$dm WmoS>`m à_mUmV XoIrc _mJ© d VËdo  A§dc{~Ê`m_Ü`o h`J` H$ocr qH$dm VËdm nmgwZ Xya amhUo H$oco Va H$miOr H$aÊ`mgmaIr EZ.nr.E.Mr. pñWVr {Z_m©U hmoB©c ho Ü`mZmV R>odmdo.

EZ.nr.E.Mo ApËgËd amhÿ Z`o ($qH$dm eŠ` Ë`m {H$_mZ nmVirda ahmdo ) `mgmR>r CXmhaUXmIcm H$mhr gwMZm XoÊ`m§V `oV AmhoV. Ë`§mMm Jm§^r©`mZo {dMma H$ocë`mg B{ÀNV> \$c Z¸$s {_ioc 

1  H$O©XmamMÀ`m H$O© _mJUr AOm©Vrc gd© Amdí`H _mhrVr d AOm© gmo~V OmoS>cocr Amdí`H  _mhrVrnÌH$o$ `m§Mr gË`Vm , IaonUm H$O©XmamÀ`m ì`dgm` {R>H$mUmg$ àË`úm _§Oyarnyd© ^oQ> Ahdmc OmoS>mdm.

2  àYmZ H$m`m©c`mVrc ($qH$dm emIoVrc ) H$O© {d^m§JmV H$m_ H$aU§mè`m {deofV: H$O© àH$aUmMr N>mZZr H$éZ H$O©XmamÀ`m H$O© _mJUr g§X^m©V H$O© àH$aUmMo _wë`§mH$Z H$aUmè`m ì`H$VrZo ( {cnrH   A{YH$mar à_wI ) H$O© àH$aUmMo N>mZZr H$éZ H$amdo H$O© àH$aU g§X^m©V gH$maË_H$ / ZH$maË_H$ {ím\$mag hr ~°H$oÀ`m _mÝ`Vm àmßá H$O© {Z`_ {Z`_mdcr VgoM [aPd© ~°H$oMr _mJ©Xe©H$ d AmXoe_` n[anÌH$o$ `mÀ§`m Mm¢H$Q>rV ~gUmar Agmdr.

3. {Z`_ {Z`_mdcrÀ`m Mm¢H$Q>rV ~gUmar {e\$mag {Z^©`nUo H$aVm `mdr `mgmR>r ~°H$o$Zo H$O© àH$aUmMm Aä`mg H$aUmè`m ì`H$Vrg _wŠº$ dmVmdaU§mV {Z^©`nUo H$m_ H$aÊ`mMr _moH$irH$ Úmdr. Aem {e\$maer H$O©  _§Oya  H$aUmè`m A{YH$mè`mZo $qH$dm AYrH$maUrZo ( H$O©   g{_Vr g§MmcH$ _§S>i {deof Aä`mgJQ ) H$amdr d H$O© àH$aUmg§~YrVrc {e\$maer h`m nwd©J«h d X~md `mnmgwZ IamoMaM _wŠº$ Agë`mMr ImÌr H$éZM {e\$maer§Mm pñdH$ma  H$amdm.

4. ~°H$o$À`m A{YH$§mè`mZo $qH$dm g§MmcH$mZo H$O© àH$aU XmIc hmoÊ`mnydr© qH$dm Pmë`mda  H$O© àH$aU g§~YrV AmñWm d Img AmJ«h XmI[dcm Agoc Va {e\$mag Ahdmcm_Ü`o gXa A{YH$mè`mÀ`m / g§MmcH$mÀ`m Zmdm§Mm ñnï  C„oI H$amdm

5  _§OwanyV© g§nyU© à{H$`oVr V§VmoV§V g_mYmZH$maH$ nyV©Vm Pmë`m{edm` H$O© àH$aU _§OyargmR>r gmXa H$amdo cmJocM Va {e\$mag Ahdmcm_Ü`o gXa H$maUo ñnîQ  H$éZ H$O© _§Oya  Pmë`mda  gXa H$maUmMo {ZamH$aU H$éZ AO© _§OwarÀ`m eVr© d AQ>r§Mr nyUV©`m Pmë`mdaM H$O© dmQ>n H$aÊ`mgmR>rMr {e\$mag  gwñnîQ>nUo H$amdr.>

6 H$O© àH$aUmgmR>r ZH$maË_H$ {e\$mag Agoc Va H$O© _§Owa H$aUmè`m A{YH$mè`mMr qH$dm A[YH$marUrMr _mÝ`Vm KoCZM aÚ  H$éZ AO©Xmamg naV H$amdo.

7  H$O© _§Owa Pmcoë`m àH$aU§mMr `mXr, Á`m {R>H$mUr H$O© dmQ>n hmoVmo Ë`m{R>H$mUr (àYmZ H$m`m©c` / emIm ) ZmoQ>rg ~moS>©da cmdmdr H$O© _§Oya Pmcë`m~X²Úc, H$O© a¸$_ d H$O© _§OyarÀ`m eVr© d AQ>rgh H$O©Xmamg coIr H$idmdo.

8 H$O© _§OwarÀ`m gd© eVr© d AQ>r `§mMr nyV©Vm Pmë`mdaM H$O© dmQ>n H$amdo.

9 Amdí`H  Vo gd© H$O©amoIo / XñVmdoO H$Oo}Xma d Om{_ZXma  `§mZr nyU© H$oë`mdaM H$O© dmQ>n H$amdo .

10 H$O© àH$aU a{OñQ>a , H$O© _`m©Xm a{OñQ>a, H$O© _`m©Xm a{OñQ>a , H$O© _wXV VmarI a{OñQ>a , VmaU Vnerc a[OñQ>a , {d_m a{OñQ>a , H$O© hám a{OñQ>a  Om{_ZHr a{OñQ>a  d¢Jao gd© a{OñQ>g© ( eŠ` Vmo H$O© dmQ>M H$aÊ`mnydr© ) H$O©dmQ>n VmaIo {XderM {chÿZ AÚ`mdV H$amdrV.

11 H$O© _wOyarÀ`m eVr© AQ>r à_mUoM H$Om©Mm _m{gH$ / Ì¢_m{gH$ hám {Z`_rV dgwc H$ocm OmB©c `m~Úc Xúm Agmdo .

12H$°e H$«$o{S>Q , hm`nmo[WH$oeZ \o$O , AmoìhaS>—>ßQ  dJ¢ao  MoH$Zo dmna  H$aÊ`mV `oUmè`m ImË`mdadarc ì`dhma H$O©_§Owar  eVr©VwgmaM H$aÊ`mg nadmZJr Úmdr.

13H$O© _§Owa H$aUmè`m A{YH$m§è`mZo / A{YH$maH$[UZo _§Owar {Xë`m {edm` MoH$Zo ì`dhma H$aÊ`mV `oUmè`m ImË`mda H$O© _`m©Xonoúmm OmXm CMc H$aÊ`mg nadmZJr Xody Z`o H$O© _`m©Xonoúmm OmXm CMc XoVm§Zm àË`oH  ì`dhmamgmR>r ñdV§Ì$ H$O©amoIo H$O©Xma  d Om{_ZXma `m§MoH$S>y>Z nyU© H$éZ ÚmdoV .

14 àË`oH  àH$maÀ`m H$O© ImË`mdarc$Ì¢_mgrH$ ì`mO ho Á`m {V_mhrMo Agoc Vr Vr_mhr g§ncë`mnmgyZ 30 {XdgmV dgyc H$amdo.

15 ì`mO ho CËnÝÞmMo gmYZ Amho d EZ.nr.E. Imcr ImË`mMo dJr©H$aU H$aÊ`mMm {ZH$f Agë`m_wio ì`mO dgycr~m~V H$moUVrhr VS>OmoS> H$é Z`o $qH$dm H$gcrhr gdcV Xody Z`o

16 EZ.nr.E. _Ü`o `oUma Zmhr Aem àH$mao MoH$Zo dmna H$aÊ`mV `oUmè`m H$O© ImË`mdarc ì`dhma d CcmT>mc  g_mYmZH$maH$ amhVrc `m ~Úc gV©H$ Agmdo .

17 {~c ì`dgm`mV ([~ nr. {S>ñH$mCQ>r§§J dJ¢ao ) {ZXo}erV H$mcmdYr _Ü`oM {~cmMr (MoH$hþ§S>r, S>—>mßQ> dJ¢ao ) a¸$_ dgyc H$amdr H$moUË`mhr narñWrVrV gXaMr a¸$_ H$_mc 180 {XdgmV dgwc hmoB©c `m~Úc Xúm Amgdo {~c a¸$_  Ceram gwé hmoUma  Agoc Va Ë`mdarc Ì¢_mgrH$ ì`mO _mÌ Z MwH$Vm doioda  dgyc H$amdo

18 H$Om©gmR>r {Xcoë`m VmaU§mMr R>amdrH$ H$mcmdYrZo (eŠ`Vmo _mgrH$ ) VnmgZr H$amdr àË`oH$ H$O©ImË`mMr Xáar R>odmdm   Ë`mMr EH$ àV darîR  AYrH$mè`mg / H$m`m©c`mg Úmdr. gXa Ahdmc VmaUmMr ({gŠ`warQ>r ) gYpñWVr Vmam§Umg§~Yr , ~°H$o$Mo [hV OnÊ`mÀ`m ÑíQ>rH$moUmVyZ Agcoco Amnco _V VnmgZr A{YH$mè`mZo ñnï> {chmdo .

darc gd© gwMZm§Mr A_§c~OmdZr _ZmnmgwZ Iè`m AWm©Zo H$mQ>oH$moa nUo H$oë`mg ~°H$mMr EZ.nr.E. pñWVr AnoúmrV nmVirnoúmmhr H$_r amhrc H$O© _§Oya Pmë`mda , H$O© aŠ¸$_ AXm H$aVm§Zm {H$§dm VËnydr© darc gyMZm§Mr A_§c~OmdZr H$amdr  `m g§~YmV VgoM `m coIm§Vrc _w²Úm  H$«2 gmR>r _XV _mJ©Xe©Z ghH$m`© hdo Agë`mg Q>—>o{Z§J B{ÝñQ>Q>`wQ Am°\$ ~°H$s§J$qH$dm B{ÝñQ>Q>`wQ Am°\$ AmoìhaS>`wO _°ZoO_o|Q> `m g§ñWoer  7 gw{Zc AnmQ>©_o|Q> , Q>o[c\$moZ EŠMo|O_mJo, EZ.S>r. nQ>oc amoS>, Zm[eH$ 422 001 ( Q>o{c\$moZ Z§. 0253  77285) `m nË`mda g§nH$©$ gmYmdm .

_w»`nmZ    ghH$mar g§ñWm      e¢úm{UH$    B-_oc     ghH$mar H$m`Xo     ghH$ma  gm{hË`    ghH$ma {dÎmghmæ`    BVa g§ñWm     gÌ d àXe©Z

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