<p class="pntext1">**nkgD/ rkje B{z ikD** wkgdzv ns/ **Bedh b?D d/D** d/ ;pzX ftu ;/XK.</p> - ਆਰਬੀਆਈ - Reserve Bank of India
**nkgD/ rkje B{z ikD** wkgdzv ns/ **Bedh b?D d/D** d/ ;pzX ftu ;/XK.
vhHphHUHvhHJ/Hn?wHn?bHphH;hH18|14H01H001|2002-03
16 nr;s, 2002
tZb
;ko/ tgkoe p?IeK d/
w[Zy ekoi ;kXe
;qhwkB ih,
**nkgD/ rkje B{z ikD'** wkgdzv ns/ **Bedh b?D d/D** d/ ;pzX ftu ;/XK.
**nkgD/ rkje B{z ikD'** (e/HthH;hH) d/ f;XKs d/ fjZ;/ ti'I nkoHphHnkJhH B/ nB/eK ;/XK ikoh ehshnK jB i' fe fvgkfiaNoK dh ;aBkyas d/ ;pzX ftu jB ns/ p?IeK B{z fJj w;atok fdZsk j? fe T[j nfijhnK gqDkbhnK s/ ftXhnK ngBkT[D fiBQK Bkb wkbh X'y/pkihnK s/ ezNo'b eoB ftu ;jkfJsk fwb/, XzBok;ah bKvfozr s/ ;aeh rshftXhnK dh ;aBkyas eoB ns/ tZv/ w[Zb d/ Bedh b?D-d/D dh SkDphD|fBrokBh eoB. nkoHphHnkJhHd[nkok ;w/I ;w/I s/ jdkfJsK th ikoh ehshnK rJhnK jB fiBQK ftu p?IeK B{z fJj w;atok fdZsk frnk j? fe T[j Bt/I yaks/ y'bQD ;w/I u[ezB/ ofjD sK fe X'y/pkihnK d/ ngokX bJh p?Ifezr gqDkbh dh d[otos'I B{z o'fenk ik ;e/. jtkb/ nXhB ftf;anK s/ ikoh fgSb/ ;oe[bok dk fBu'V nB[br ftu ;{uhpZX ehsk frnk j?. j[D/ fij/ j'JhnK rshftZXhnK i' xo/b{ ns/ nzsook;aNoh jB B{z fXnkB ftu oZyd/ j'J/ fJj c?;bk ehsk frnk j? fe e/HtkJhH;hHwkgdzvK s/ Bedh b?D-d/D pko/ toswkB jdkfJsK B{z d[jokfJnk ns/ ;zfus ehsk ikt/. fBwB ;/XK fJ; ft;a/ s/ ;kvhnK gfjbhnK jdkfJsK B{z goge eodhnK jB sK fe p?IeK dh ;[oZfynk fJ; rb'I ehsh ikt/ fe T[BQK dh tos'I nDikDg[D/ ftu w[iowkBk rshftZXh bJh (fvgkfiaN s/ eoiadko yakfsnK) d'BK d/ ;pzX ftu iK dfj;astkd B{z ckfJBK; eoB bJh czvK dh jZE-pdbh iK fvgkfiaN bJh Bk ehsh ikt/. ;/XK ftd/;ah eoz;h d/ yakfsnK|b?D-d/D s/ th bkr{ j[zdhnK jB.
2- Bt/I yakfsnK bJh **nkgD/ rkje B{z ikD'** (e/HthH;hH);/XK.
;ko/ Bt/I yakfsnK s/ fBwB e/HtkJhH;hH;/XK s[ozs bkr{ j'DrhnK.
2H1 e/HtkJhH;hHgkfb;h
(i) fe;/ ftnesh|ekog'o/N dk yaksk y'bQD ;w/I T[; dh ;aBkyas bJh **nkgD/ rkje B{z ikD'** (e/HtkJhH;hH) ftZXh w[Zy f;XKs j'Dk ukjhdk j?. rkje dh ;aBkyas ftu w"i{dk yaksk Xkoe|fe;/ ftnesh fi; B{z p?Ie ikDdk j't/ d/ ikD gSkD tkb/ jtkb/ iK rkje d[nkok T[gbpZX ehs/ d;skt/iK d/ nkXko s/ j'Dh ukjhdh j?.
(ii) p?IeK d/ p'ov nkc vkfJo?eNoia B{z T[fuZs gkfb;hnK bkr{ eoBhnK ukjhdhnK jB i' fe nfijhnK ftXhnK dh ;EkgBk eoB fiBQK s'I yaksk y'bQD tkb/ ftnesh|ekog'o/NK dh tk;sfte ;aBkyas dh s;dhe j' ;e/. p'ov B{z nfijhnK gkfb;hnK th pDkT[DhnK ukjhdhnK jB i' nfijhnK gqfeqnktK s/ ftXhnK B{z ;Ekfgs eoB fiBQK Bkb yakfsnK ftu ;aeh fe;w d/ b?D-d/D dh fBrokBh j' ;e/ ns/ T[fuZs T[dw eoB dhnK gqDkbhnK j'D ns/ nfij/ b?D-d/D dh fog'oN fdZsh ik ;e/.
2H2 rkje dh ;aBkyas
(i) e/HtkJhH;hHYKu/ d/ Nhu/ d' gZyh j'D/ ukjhd/ jB (i) T[fuZs rkje dh ;aBkyas B{z :ehBh pDkfJnk ikt/ ns/ (ii) ;aeh fe;w d/ b?D-d/D s/ fBrokBh oZyh ik ;e/. p?IeK B{z soihjh s"o s/ y[d rkjeK d/ gqrNkftnK d/ nkXko s/ T[j ;koh ikDekoh jkf;b eoBh ukjhdh j? i' fe jo Bt/I rkje dh ;aBkyash ekB{zBh j'Id ;Ekfgs eoB bJh iao{oh j't/. ft;a/; eoe/ ;aBkyas ;Ekfgs eoB d/ ;[ykb/ sohe/ gk;g'oN, vqkJhftzr bkfJ;?_; tor/ d;skt/i j'Dr/. go fiZE/ nfij/ d;skt/i T[gbpZX Bk j'D sK w"i{dk yaksk Xkoe dh s;dhe iK fe;/ nfij/ ftnesh d[nkok ikDekoh jh ekcah j't/rh fi; B{z p?Ie ikDdk j't/. fJj :ehBh pDkT[Dk ukjhdk j? fe i' ftXh ngDkJh ikt/ T[; Bkb nkw iBsk B{z p?IeK dhnK ;/tktK gqkgs eoB ftu fJBekoh Bk j't/.
(ii) fJ; ;pzX ftu n;hI s[jkvh ;/X bJh nkJhHphHJ/Hd[nkok ;Ekfgs fJe ekoih ro[Zg d[nkok fsnko ehshnK ** Gkos ftu p?IeK bJh XzBok;ah bKvfozr fto[ZX ;/XK pko/ fJe fog'oN tZb th fdtkT[Dk ukj[zd/ jK. fJj d/fynk ik ;edk j? fe nkJhHphHekoih ro[Zg B/ e/HtkJhH;hHwkgdzvK B{z wip{s eoB fiBQK ftu XzBok;ah bKvfozr fto[ZX fXnkB e/Idfos ehsk frnk j? bJh nB/eK f;cko;aK ehshnK jB ns/ rkje dh gq'ckJhb, yaksk y'bQD dhnK ftZXhnK, rkjeK dhnK ft;a/; ;q/DhnK Bkb ;pzX ;Ekfgs eoB ns/ ;aeh rshftZXhnK dh fw;kbh ;{uh pko/ ckowK dk ;[MkU th fdZsk j?.
3- w"i{dk rkjeK bJh **nkgD/ rkje B{z ikD'** ftXhnK.
p?IeK s'I fJj T[whd ehsh iKdh j? fe T[j w"i{dk rkjeK d/ ;pzX ftu yaks/ y'bQD d/ ;w/I ;kvhnK w"i{dk jdkfJsK fiBQK dk T[b/y nB[br ftu ehsk frnk j? pko/ T[fuZs T[dw eoB s/ T[fuZs e/HtkJhH;hHwkgdzvK B{z ngBkT[D. go fe;/ rbsh d/ e/; ftu rkje dh ;aBkyas pko/ b'VhIdhnK e/HtkJhH;hHftXhnK B{z ibdh s'I ibdh g{ok eotkfJnk ikt/.
4- Bedh b?D-d/D dh jZd s/ fBrokBh
ft;a/ s/ toswkB nkoHphHnkJhH;/XK fBwB nB[;ko jBL-
(i) p?IeK s'I fJj wzr ehsh iKdh j? fe T[j :ksoh u?e, fvwKv vokcaN, vke NqK;coK, s/ N?bhrqkce NqK;coK i' 50,000|-o[gJ/ iK fJ; Bkb'I tZX j'D T[j rkjeK d/ yakfsnK ftu v?fpN okjhI iK u?eK fto[ZX eoB s/ e?;a fto[ZX Bk eoB(;oe[bo vhHphHUHvhHphHghHphH;hH 114|;hH469 (81)-91 fwsh 19 ngq?b, 1991) fJ; s'I fJbktk fpB?eko(i' rkje j'D iK BjhI) T[go'es b?D-d/D bJh i' oew 10,000|-o[gJ/ s'I tZX j't/ B{z fpB? gZsoK s/ ;EkJh (nkwdB eo) yaksk Bzpo fbyDk ukjhdk j? (;oe[bo vhHphHUHvhHphHghHphH;hH92|;h-469-76 fwsh 12 nr;s, 1976) feT[Ife e/HtkJhH;hH s'I j[D fJj T[whd ehsh iKdh j? fe T[j rkje dh ;aBkyas ;Ekfgs eo/ ns/ 50,000|-o[gJ/ s/ fJ; Bkb'I tZX fvwKv vokcaN nkfd ikoh eoBk yaks/ ftu v?fpN okjhI j't/l g?B ;N?IvK B{z g/;a eoB bJh b'V 50,000|-o[gJ/ sZe fJe ;ko tZX rJh j?.
(ii) p?IeK s'I fJj wzr ehsh iKdh j? fe T[j fvgkfiaN, e?;a eo?fvN iK Uto vokcaN d/ yakfsnK ftu 10 bZy o[gJ/ s/ fJ; Bkb'I tZX fvgkfiaNK dh Bed eYtkJh s/ v{zxh Bio oZyD ns/ fJBQK tZv/ e?;a b?D-d/D d/ t/oftnK dk foekov fJe tZyo/ ofi;No ftu oZyD (;oe[bo BzLvhHphHUHvhHphHghHphH;hH 57|21H01H001|95 fwsh 4 wJh, 1995)
(iii) p?IeK dhnK pqkuK s'I fJj wzr ehsh iKdh j? fe T[j 10 bZy o[gJ/ ns/ fJ; s'I tZX ;ko/ Bedh fvgkfiaNK ns/ ;aeh fe;w d/ b?D-d/D dh fog'oN g{o/ t/oftnK ;w/s gzdotkVk fttoDK ftu nkgD/ ezNo'fbzr dcasoK B{z G/iD. fJ; s'I fJbktk ezNo'fbzr dcasoK s'I fJj wzr th ehsh iKdh j? fe T[j ;aZeh fe;w d/ b?D-d/D d/ ;pzX ftu nkgD/ w[Zy dcasoK B{z ;{fus eoB. (;oe[bo vhHphHUHvhH, phHghH,phH;hH 101|21H001|95 fwsh 20 ;szpo, 1995 ) pqKu fog'ofNzr dk ibdh ezfgT{NoheoB nfijhnK fog'oNK B{z g?dk eoB B{z ;[ftXk iBe pDkt/rk.
5- i'yw w?B/iw?IN s/ fBrokBh ftXhnk
p?Ifezr u?Bbk dh r?oekB{zBh s/ ok;aNo fto'Xh rshftZXhnK bJh tos'I B{z o'eD bJh, p'ov B{z ukjhdk j? fe T[j ;g;aN o{g ftu gkfb;h fBoXkos eo/ fi; Bkb T[es b'VK dh gkbDk ehsh ikt/ fiBQK ftu fBwB ;akwb jBL-
5H1 nzdo{Bh ezNo'b gqDkbhnK
fvT{NhnK s/ fizw/tkoh B{z ;g;aN o{g ftu tzfvnk ikt/ sK fe fJj :ehBh pDkfJnk ik ;e/ fe gkfb;hnK s/ ftXhnK dh gkbDk gqGktekoh sohe/ Bkb j't/ ns/ w"i{dk s/ ;zGkth fvgkfiaN yakfsnK d/ ;pzX ftu e/HthH;hH gq'rokw dh g[Zrh tuB pZXsk s/ gkbDk j' ;e/. ezNo'b eoB tkb/ p?IeK d/ dcasoK B[z ;w/I ;w/I s/ fJj d/yDk ukjhdk j? fe pqKu gZXo s/ eowukohnK d[nkok fBoXkos gkfb;hnK dh ;yash Bkb gkbDk ehsh ikt/.
5H2 dfj;astkdh ckfJBK; nkoHphHnkJhH Gkos d[nkok nfX;{uBk dfj;astkdh ti{dK dhnK ;{uhnK p?IeK B{z G/idk fojk j? sK fe p?Ie u[ezB/ ofjD i/eo e'Jh b?D d/D fJBQK ti{dK Bkb ;kjwD/ nkT[Idk j?. pqKu gZXo s/ e'Jh gqDkbh j'Dh ukjhdh j? sK fe fJj :ehBh pDkfJnk ik ;e/ fe nfijhnK ;{uhnK B{z d/fynk ikt/ sK fe fJj fBoXkos ehsk ikt/ fe e'Jh ftnesh|;zrmB i' fe ;zGkth s/ iK w"i{dk eko'pko ftu bZrk j't/ T[j nfijh ;{uh ftu Bk j't/. T[j nEkoNh fi; B{z p?Ie ;aZeh yakfsnK pko/ fog'oN d/ ;ed/ jB i' fe dfj;astkdh ti{dK Bkb ;pzXs j'D B{z ;oeko Bkb w;ato/ Bkb B;hjs fdZsh ik ;edh j?.
5H3 nzdo{Bh nkfvN|w[nkfJBk
(i) p?IeK ftu nzdo{Bh nkfvN i' ub fojk j't/ d[nkok T[uZ w[Zb d/ b?D-d/D dh ;aBkyas eoB bJh ;[szso w[bKeD eoBk ukjhdk j?.
(ii) ;fjtosh|nzdo{Bh nkfvNoK B{z e/HthH;hHwkgdzvK dh ;thfeqsh ftu pqKuK d[nkok ehs/ T[gktK dh gqGkftesk bJh ehs/ T[gktK dh fB;au/ jh ft;a/; T[gkn ns/ XBok;ah bKvfozr dh o'eEkw bJh edw u[ZeD/ ukjhd/ jB. nfijh gkbDk fog'oN fszB wjhfBnK pknd p?IeK d/ p'ov dh nkfvN ew/Nh nZr/ oZyDk ukjhdk j?. fJ; B{z w[bKeD d/ ezbvoK ftu ;akwb eoBk ukj[zdk j? fi; dk w;atok ;kv/ ;oe[bo vhHphHUHvhHBzL phHghHphH;hH3|21H03H038|2000 fwsh 14 i[bkJh, 2000 ftZu fdZsk frnk j?.
5H4 ;aZeh b?D-d/D dh ;aBkyas s/ fog'ofNzr
p?IeK B{z ukjhdk j? fe T[j fJj :ehBh pDkT[D fe ezNo'fbzr dcasoK dhnK pqKKk ;aZeh fe;w d/ b?D-d/D dh fog'oN ekB{zB B{z bkr{ eoB tkb/ T[fuZs nfXekohnK e'b eoB i' fe nfijhnK rshftXhnK s/ ezNo'b eod/ jB. yakfsnK B{z ikw eoB bJh mhe fBoXkos gqDkbhnK j'DhnK ukjhdhnK jB fijk fe nfij/ nfXekoh d[nkok jdkfJs ehsh rJh j? s/ T[; dh fog'oN ezNo'fbzr dcaso ns/ w[Zy dcaso B{z d/Dh ukjhdh j?. Bkia[e fe;w d/ wkwb/ j'D eoe/ nfij/ gZyK dh fog'oN p'ov dh nkfvN ew/Nh s'I p'ov nkc vkfJo?eNoia B{z d/Dh ukjhdh j?.
5H5 ftd/;ah :'rdkB ftfB:w n?eN (n?cH;hHnkoHJ/H) 1976 dh gkbDk
(i) p?Iek B{z ftd/;ah :'rdkB ftfB:w n?eN 1976 d/ T[gpzXK dh gkbDk th eoBh ukjhdh j? fiBQK ftu T[BQK B{z u/sktBh d/Dh ukjhdh j? fe T[j e/tb nfijh n?;';hJ/;aB d/ yaks/ y'bQD iK u?e b?D i' fe T[es n?eN nXhB Gkos ;oeko e'b ofi;Nov jB. yaksk y'bQD d/ ;w/I iK u?eK dh e[b?e;aB eoB ;w/I ;pzXs n?;';hJ/;aB gk;'I fJj ;oNhfce/N b?Dk ukjhdk j? fe n?;';hJ/;aB Gkos ;oeko e'b ofi;Nov j?.
(ii) p?IeK dhnK pqKuk B{z fJj w;atok d/Dk ukjhdk j? fe T[j gkbDk B{z :ehBh pDkT[D bJh T[fuZs fXnkB oZyD ns/ T[j gqshpzX tkb/, ;zrmBk ns/ T[BQK d/ yaks/ y'bQD s'I r[o/ia eoB fiBQK e'b b'VhIdh ofi;Nq/;aB BjhI j?.
6- wkbh wfXn;EK B{z ukjhdk j? fe T[j nkgD/ rkje d/ ;pzXK s/ b?D-d/D dk d;skt/iheoB poeoko oZyD sK fe ;pzXs ekB{zBk s/ ftfB:wK dhnK b'VK B{z g{ok ehsk ik ;e/ sK fe e'Jh th b?D-d/D i' T[BQK okjhI j't/ dh g[Bo f;oiBk ehsh ik ;e/. sko okjhI NqK;coK d/ e/; ftu, fJb?eNqkfBe ndkfJrhnK s/ ;zd/;aK B{z fB;au/ jh T[;/ sohe/ Bkb ;wfMnk ikt/ fit/I fe yaks/ ftu fJzdokiK dh jwkfJs ftu j'o foekov j'Dk. ;ko/ wkbh b?D-d/D d/ foekov, b?D d/D j'D T[gozs xZN' xZN gzi ;kbK sZe oZfynk ikDk ukjhdk j? ns/ id'I bV gt/ sK nkfvN ekoieosktK ns/ o?r{b/NoK dh x'y gVskb s/ SkDphD bJh T[gbpZX j'Dk ukjhdk j?.
7- ;Nkc s/ w?B/iw?IN dh f;ybkJh
fJj nfs iao{oh j? fe ;ko/ Ugo/fNzr s/ w?B/iw?IN ;Nkc B{z fJj g{oh soQK ;wMDk ukjhdk j? fe e/HthH;hH wkgdzvK dh ;ysh Bkb gkbDk eoB dh b'V j?. fJ; bJh ;kohnK ;z;EktK d/ e'b fJe ukb{ f;ybkJh gq'rokw j'Dk ukjhdk j? sK fe ;Nkc nkgDhnK G{fwektK s/ fizw/tkohnK pko/ T[fuZs o{g ftu f;fyns j't/ sK fe XzBok;ah bKvfozr ;/XK dh gkbDk eoB ns/ e/HtkJhH;hH gkfb;hnK B{z fBozso ubkT[D ftu T[BQK d/ gd eqw gZXo bJh T[fuZs j't/.
8- fJj ;/XK p?Ifezr ftfB:w n?eN 1949 dh Xkok 35 (J/) nXhB ikoh ehshnK iKdhnK jB ns/ fJBQK dh e'Jh th T[bzxDk n?eN d/ ;pzXs T[gpzXK nXhB dzv:'r j't/rh. p?IeK B{z fJj w;atok fdZsk iKdk j? fe T[j ;/XK B{z nkgDhnK pqKuK s/ ezNo'fbzr dcasoK d/ fXnkB ftu fbnkT[D.
9- ;oe[bo ftu tofDs tZy tZy ;/XK dh gkbDk ftu u[Ze/ rJ/ edwK pko/ uhc iBob w?B/io n?INh wBh bKvfozr ;?b, p?Ifezr Ugo/;aB s/ ftek; ftGkr, foiaot p?Ie nkc fJzvhnk ;?INob dcaso, ;?INo-1 tobv Nq/v ;?INo e[ch go/v w[zpJh 400005 B{z fJj ;oe[bo gqkgs eoB dh fwsh s'I fJe wjhB/ d/ nzdo nzdo w;atok fdZsk ikt/. ;oe[bo ftu tofDs jdkfJsK d/ bkr{ eoB dk w[bKeD nkoHphHnkJh d[nkok S/ wjhfBnK d/ ;w/I pknd p?IeK Bkb whfNzr ftZu ehsk ikt/rk ns/ gqw[Zy ;oe[bo d/ ikoh eoB s/ ftuko T[; T[gozs ehsk ikt/rk.
10- feogk eoe/ gj[zu o;hd G/ih ikt/.
s[jkvk ft;atk;gkso
;jh|-
(;hHnkoHw[obhXoB)
uhca iBob w?B/io
BZEhL- 5 ;ahNK