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_w`nmZ    ghH$mar gWm      em{UH$    B-_oc     ghH$mar H$m`Xo     ghH$ma  gm{h`    ghH$ma {dmghm`    BVa gWm     g d XeZ
 
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WH$~mH$s `WmnZ


~H$mMo JmhH$, `m`m JaOm `m ~H$m`m JmhH$ godoMo A{Ve` _hd Amho. JmhH$mZm OmgVrV OmV g_mYmZH$maH$nUo ~H$sJ godm H$em XoVm `oVrc `m ~m~VrV gdM ~H$m H$gmoerZo `Zerc AgVmV.

eŠ` VodT>r CH$w JmhH$ godm XoV AgVmZm, {deofV  H$O {d^mJm_`o ~H$mH$S>y>Z MyHU R>odUm`m A{YH$marUrZmhr H$miOr H$amd`mg cmdUmar Pmcocr Amho  _moR>_moR>`m am>—>r`H$V ~H$m, gd `mnmar ~H$m VgoM chmZ_moR>`m ghH$mar d ZmJar ~H$m `mcm AndmX ZmhrV. gd ~H$m`m ~m~VrV AmOH$c EZ nr E hm ~H$mMo Am{WH Amaom` Xe {dUmam nadcrMm eX Pmcm Amho Am{U hUyZM WH$JmH$s `gWmnZ   ( Overdues Management ) `m {df`mda {dVV coIm ^maV gaH$ma d [aPd ~H$ `mZr `m gX^mVrc Za{gh_ g{_VrMm Ahdmc pdH$mZ  1992 nmgwZ gd ~H$mZm gXa g{_Vr`m {e\$maermr A_c~OmdZr H$a`mg gm{JVco. VohmnmgwZ EZ nr E (ZmZ na\$m{_J AgoQ>) Mr A`mgnyU _mhrVr `mnmar VgoM ghH$mar momVrc gd ~H$mZm Pmcocr Amho .EZ nr E ( CnmXZ m_Vm Zgcocr ImVr ) `m g$m, AnwaonUm, Xmof, dJao ~m~r KS>y>Z H$OImVr WH$~mH$s _`o Om`mMm YmoH$m g^dVmo> .

~H$m_Yrc H$O {d^mJmMr pWVr g~YrV d`{$H  ~H$m _mUoM `m`mda {Z`H$nUoImcr Im`mMo dJrH$aZ H$a`mnydr WH$~mH$s _mU (Q>$o$dmarV) `m {ZXeH$mdZ  ~H$mMo A{WH$ dmW H$go Amho / hmoVo `mMo kmZ {_iV hmoVo . VWmnr WH$~mH$s _mU EodOr EZ nr E hm {ZXemH$ `om dmnamV Am`mnmgyZ  ~H$m`m Am{WH `dhmam_`o A{YH$ nmaXenUm Amcm Amho.

BVa A{WH$ {ZH$fm~amo~a EZ nr E {ZXeH$mMm H$mQ>oH$moa dmna H$ZM ~H$m`m {dVmam_H$ $d {dH$mgm_H$ VmdZm [aPd ~H$o$H$S>yZ {hadm H${Xc XmIdcm OmVmo Am{U hUyM ~H$mMr gdgmYmaU Am{WH  pWVr A`mgVmZm $qH$dm {dH$mg_H$ H$m`H$_ am~{dVmZm EZ Eg E {ZXemH$ A{Ve` _hdmMr d _mocmMr ^y_rH$m ~OmdVmo.

~H$m_Yrc WH$~mH$sMr Z{dZ n[a^mfoV EZ nr E Mr Q>$o$dmar gdgmYmaUnUo OmV _mUmV Amho {XgwZ `oVo (10% nomm OmV ) AWmV AndmX_H$nUo H$mhr ~H$mMr EZ nr E pWVr hr ImamoImaM H$mVwH$mnX (5% qH$dm `mnomm H$_r ) Amho . `m gd n[apWMm gmV`mZo {dMma H$ocm AgVm EZ nr E gH$nZm A_c~OmdUrV Am`mZVa gw_mao 5 dfmZr `mnmar VgoM ghH$mar momVrc ~H$mgh gdM Am{WH gWmZr EZ nr E Mo _mU H$_rV H$_r amIZo {H$dm `mMo A{VpgdM Z R>odUo `m~m~VrV Jm^r`mZo {dMma H$a`mMr doi AmVm Amcr Amho. `m~m~VrV XmoZ _wo  {dMmamV mdo cmJVrc 


_wm  : 1

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

Cma : hmo`  AgoM Amho.


_wm  : 2

ApgdmV Agcocm EZ.nr.E. gWoZo VgoM aŠH$_oZo (n`m`mZo Q>Š$o$dmarZo ) H$_r H$aVm `oVmo H$m ?

`mMohr Cma  hmo` AgoM Amho .

AWmVM, Xmohrhr ZmMr Cmao hmoH$mamWrM AmhoV  hmo` IaM ho gd eŠ` Amho. eŠ`M Zho Va `mMr A_c~OmdZr H$Z `oH$mmV {MVr KoVm `oVo `mgmR>r gmdY{JaoMo _mJ d {V~YZm_H$ H$madmBMr Vdo ZrQ> g_OmdyZ KoVcr nmhrOo `mMm A`mgnyU Ad`mW cmdyZ `oH$emV dmnacr nmhrOoV. `mgmR>r Amd`H$ Vmo nmR>nwamdm H$ocm nmhrOo . H$moU`mhr A{_fmcm qH$dm X~mdmcm ~ir Z nS>Vm  gd _mJ d Vdo `mMo H$mQ>oH$moanUmZo nmcZ H$oco nmhrOo. WmoS>mgmhr {ZH$miOrnUm, {H$MrVer ~o{\$H$sar $qH$dm WmoS>`m _mUmV XoIrc _mJ d Vdo  Adc{~`m_`o h`J` H$ocr qH$dm Vdm nmgwZ Xya amhUo H$oco Va H$miOr H$a`mgmaIr EZ.nr.E.Mr. pWVr {Z_mU hmoBc ho `mZmV R>odmdo.

EZ.nr.E.Mo Apgd amh Z`o ($qH$dm eŠ` `m {H$_mZ nmVirda ahmdo ) `mgmR>r CXmhaUXmIcm H$mhr gwMZm Xo`mV `oV AmhoV. `mMm Jm^r`mZo {dMma H$oc`mg B{NV> \$c Z$s {_ioc 

1  H$OXmamM`m H$O _mJUr AOmVrc gd Amd`H _mhrVr d AOm gmo~V OmoS>cocr Amd`H  _mhrVrnH$o$ `mMr g`Vm , IaonUm H$OXmam`m `dgm` {R>H$mUmg$ `m _Oyarnyd ^oQ> Ahdmc OmoS>mdm.

2  YmZ H$m`mc`mVrc ($qH$dm emIoVrc ) H$O {d^mJmV H$m_ H$aUm`m {deofV: H$O H$aUmMr N>mZZr H$Z H$OXmam`m H$O _mJUr gX^mV H$O H$aUmMo _w`mH$Z H$aUm`m `H$VrZo ( {cnrH   A{YH$mar _wI ) H$O H$aUmMo N>mZZr H$Z H$amdo H$O H$aU gX^mV gH$ma_H$ / ZH$ma_H$ {m\$mag hr ~H$o`m _m`Vm m H$O {Z`_ {Z`_mdcr VgoM [aPd ~H$oMr _mJXeH$ d AmXoe_` n[anH$o$ `m`m MmH$Q>rV ~gUmar Agmdr.

3. {Z`_ {Z`_mdcr`m MmH$Q>rV ~gUmar {e\$mag {Z^`nUo H$aVm `mdr `mgmR>r ~H$o$Zo H$O H$aUmMm A`mg H$aUm`m `H$Vrg _wŠ$ dmVmdaUmV {Z^`nUo H$m_ H$a`mMr _moH$irH$ mdr. Aem {e\$maer H$O  _Oya  H$aUm`m A{YH$m`mZo $qH$dm AYrH$maUrZo ( H$O   g{_Vr gMmcH$ _S>i {deof A`mgJQ ) H$amdr d H$O H$aUmg~YrVrc {e\$maer h`m nwdJh d X~md `mnmgwZ IamoMaM _wŠ$ Ag`mMr Imr H$ZM {e\$maerMm pdH$ma  H$amdm.

4. ~H$o$`m A{YH$m`mZo $qH$dm gMmcH$mZo H$O H$aU XmIc hmo`mnydr qH$dm Pm`mda  H$O H$aU g~YrV AmWm d Img AmJh XmI[dcm Agoc Va {e\$mag Ahdmcm_`o gXa A{YH$m`m`m / gMmcH$m`m ZmdmMm n  C„oI H$amdm

5  _OwanyV gnyU {H$`oVr VVmoVV g_mYmZH$maH$ nyVVm Pm`m{edm` H$O H$aU _OyargmR>r gmXa H$amdo cmJocM Va {e\$mag Ahdmcm_`o gXa H$maUo nQ  H$Z H$O _Oya  Pm`mda  gXa H$maUmMo {ZamH$aU H$Z AO _Owar`m eVr d AQ>rMr nyUV`m Pm`mdaM H$O dmQ>n H$a`mgmR>rMr {e\$mag  gwnQ>nUo H$amdr.>

6 H$O H$aUmgmR>r ZH$ma_H$ {e\$mag Agoc Va H$O _Owa H$aUm`m A{YH$m`mMr qH$dm A[YH$marUrMr _m`Vm KoCZM a  H$Z AOXmamg naV H$amdo.

7  H$O _Owa Pmco`m H$aUmMr `mXr, `m {R>H$mUr H$O dmQ>n hmoVmo `m{R>H$mUr (YmZ H$m`mc` / emIm ) ZmoQ>rg ~moS>da cmdmdr H$O _Oya Pmc`m~Xc, H$O a$_ d H$O _Oyar`m eVr d AQ>rgh H$OXmamg coIr H$idmdo.

8 H$O _Owar`m gd eVr d AQ>r `mMr nyVVm Pm`mdaM H$O dmQ>n H$amdo.

9 Amd`H  Vo gd H$OamoIo / XVmdoO H$Oo}Xma d Om{_ZXma  `mZr nyU H$o`mdaM H$O dmQ>n H$amdo .

10 H$O H$aU a{OQ>a , H$O _`mXm a{OQ>a, H$O _`mXm a{OQ>a , H$O _wXV VmarI a{OQ>a , VmaU Vnerc a[OQ>a , {d_m a{OQ>a , H$O hm a{OQ>a  Om{_ZHr a{OQ>a  dJao gd a{OQ>g ( eŠ` Vmo H$O dmQ>M H$a`mnydr ) H$OdmQ>n VmaIo {XderM {chZ A`mdV H$amdrV.

11 H$O _wOyar`m eVr AQ>r _mUoM H$OmMm _m{gH$ / ̢_m{gH$ hm {Z`_rV dgwc H$ocm OmBc `m~c Xm Agmdo .

12H$e H$$o{S>Q , hm`nmo[WH$oeZ \o$O , AmohaS>—>Q  dJao  MoH$Zo dmna  H$a`mV `oUm`m Im`mdadarc `dhma H$O_Owar  eVrVwgmaM H$a`mg nadmZJr mdr.

13H$O _Owa H$aUm`m A{YH$m`mZo / A{YH$maH$[UZo _Owar {X`m {edm` MoH$Zo `dhma H$a`mV `oUm`m Im`mda H$O _`mXonomm OmXm CMc H$a`mg nadmZJr Xody Z`o H$O _`mXonomm OmXm CMc XoVmZm `oH  `dhmamgmR>r dV$ H$OamoIo H$OXma  d Om{_ZXma `mMoH$S>y>Z nyU H$Z mdoV .

14 `oH  H$ma`m H$O Im`mdarc$̢_mgrH$ `mO ho `m {V_mhrMo Agoc Vr Vr_mhr gnc`mnmgyZ 30 {XdgmV dgyc H$amdo.

15 `mO ho CnmMo gmYZ Amho d EZ.nr.E. Imcr Im`mMo dJrH$aU H$a`mMm {ZH$f Ag`m_wio `mO dgycr~m~V H$moUVrhr VS>OmoS> H$ Z`o $qH$dm H$gcrhr gdcV Xody Z`o

16 EZ.nr.E. _`o `oUma Zmhr Aem H$mao MoH$Zo dmna H$a`mV `oUm`m H$O Im`mdarc `dhma d CcmT>mc  g_mYmZH$maH$ amhVrc `m ~c gVH$ Agmdo .

17 {~c `dgm`mV ([~ nr. {S>H$mCQ>rJ dJao ) {ZXo}erV H$mcmdYr _`oM {~cmMr (MoH$hS>r, S>—>mQ> dJao ) a$_ dgyc H$amdr H$moU`mhr narWrVrV gXaMr a$_ H$_mc 180 {XdgmV dgwc hmoBc `m~c Xm Amgdo {~c a$_  Ceram gw hmoUma  Agoc Va `mdarc ̢_mgrH$ `mO _m Z MwH$Vm doioda  dgyc H$amdo

18 H$OmgmR>r {Xco`m VmaUmMr R>amdrH$ H$mcmdYrZo (eŠ`Vmo _mgrH$ ) VnmgZr H$amdr `oH$ H$OIm`mMr Xar R>odmdm   `mMr EH$ V darR  AYrH$m`mg / H$m`mc`mg mdr. gXa Ahdmc VmaUmMr ({gŠ`warQ>r ) gYpWVr VmamUmg~Yr , ~H$o$Mo [hV On`m`m Q>rH$moUmVyZ Agcoco Amnco _V VnmgZr A{YH$m`mZo n> {chmdo .

darc gd gwMZmMr A_c~OmdZr _ZmnmgwZ I`m AWmZo H$mQ>oH$moa nUo H$o`mg ~H$mMr EZ.nr.E. pWVr AnomrV nmVirnommhr H$_r amhrc H$O _Oya Pm`mda , H$O aŠ$_ AXm H$aVmZm {H$dm Vnydr darc gyMZmMr A_c~OmdZr H$amdr  `m g~YmV VgoM `m coImVrc _wm  H$2 gmR>r _XV _mJXeZ ghH$m` hdo Ag`mg Q>—>o{ZJ B{Q>Q>`wQ Am\$ ~H$sJ$qH$dm B{Q>Q>`wQ Am\$ AmohaS>`wO _ZoO_o|Q> `m gWoer  7 gw{Zc AnmQ>_o|Q> , Q>o[c\$moZ EŠMo|O_mJo, EZ.S>r. nQ>oc amoS>, Zm[eH$ 422 001 ( Q>o{c\$moZ Z. 0253  77285) `m n`mda gnH$$ gmYmdm .


_w`nmZ    ghH$mar gWm      em{UH$    B-_oc     ghH$mar H$m`Xo     ghH$ma  gm{h`    ghH$ma {dmghm`    BVa gWm     g d XeZ

_mJrc nmZmda