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WU gvbRgU wWcvUgU

(cvBRe, mqc I mqe kvLv)

mqc msv Frequently Asked Questions and Answers


1| evsjv`k G ch cewZZ mqci cK msLv KqwU I wK wK ?
Dt 10wU| h_v t-
(K) Bangladesh Savings Certificates;
(L) cwZiv mqc ;
(M) cvuP eQi gqv`x evsjv`k mqc ;
(N) evbvm mqc ;
(O) wZb eQi gqv`x mqc ;
(P) Qq gvm Ai gybvdv wfwK mqc ;
(Q) cwievi mqc ;
(R) wZb gvm Ai gybvdv wfwK mqc ;
(S) RvgvbZ mqc I
(T) cbkbvi mqc |
2| eZgvb cPwjZ cK KqwU I wK wK ?
Dt 4wU| h_v t-
(K) cvuP eQi gqv`x evsjv`k mqc ;
(L) cwievi mqc ;
(M) wZb gvm Ai gybvdv wfwK mqc I
(N) cbkbvi mqc |
3| cwievi mqc KZ eQi gqv`x ?
Dt 5 eQi|
4| wZb gvm Ai gybvdv wfwK mqc KZ eQi gqv`x ?
Dt wZb eQi|
5| cbkbvi mqc KZ eQi gqv`x ?
Dt 5 eQi|
6| Kv_vq mqc wKbZ cvIqv hvq ?
Dt evsjv`k evsKi mKj kvLv Awdm, mKj evwYwRK evsK, RvZxq mq Awa`ii Aaxb mviv `k 71wU mq eyiv Awdm
Ges cv Awdm|
7| mKj mqc mevB(cyil/gwnjv) wKbZ cvib wKbv ?
Dt bv|
8| mevB Kvb mqc wKbZ cvib ?
Dt cvuP eQi gqv`x evsjv`k mqc I wZb gvm Ai gybvdv wfwK mqc |
9| Kvb mqc cybtwewbqvM hvM ?
Dt kyaygv cvuP eQi gqv`x evsjv`k mqc (GK gqv`i Rb)|
10| cwievi mqc Kvb kbxi Rb mvaviY wKbZ cvib ?
Dt 18(AvVvi) ev Z`ya eqmi h Kvb evsjv`kx gwnjv, h Kvb evsjv`kx kvixwiK cwZex (cyil I gwnjv) Ges 65 (cuqlw)
I Z`ya eqmi h Kvb evsjv`kx bvMwiK (cyil I gwnjv) aygv GKK bvg GB mqc wKbZ cvib|
11| cbkbvi mqc Kv`i Rb chvR ?
Dt miKvix, Avav miKvix, ^vqZkvwmZ, Avav ^vqZkvwmZ cwZvbi KgKZv/KgPvixMY, evsjv`k mycxgKvUi gvbbxq wePvicwZ,
mkm evwnbxi m`mMY, GjwcAvi fvMiZ Aevq cv cwfWU dv I GjwcAvi kl A_vr P~ov Aemi MnYi ci cv

AvbyZvwlKi UvKv w`q cbkbvi mqc wKbZ cvib| G Qvov cvwievwiK cbkbi AvIZvq Zuv`i ^vgx/x/mvbI G mqc
q KiZ cvieb|
12| wZb gvm Ai gybvdv wfwK mqc Kv`i Rb chvR ?
Dt 18 ev Z`ya eqmi h Kvb cyil/ gwnjv GKK ev hyM bvg G mqc wKbZ cvib|
13| Kvb cwZvb mqc wKbZ cvi wKbv ?
Dt bv| Ze cwZvbi KgKZv/KgPvix`i ^xKZ cwfWU dvi A_ Ges Agro based cwZvbi(fisheries,poultry,
poultry feed,production of seeds,cattle farming,dairy farming, horticulturesericulture etc) Avqi
10% A_ w`q aygv cvuP eQi gqv`x evsjv`k mqc Kbv hvq, hvi Kvb qmxgv bB |
14| wKfve mqc Kbv hvq/wKbZ nq ?
Dt bM` UvKv Ges PKi gvag|
15| mqc wKbZ dig c~iY KiZ nq wKbv ?
Dt nuv, wewfb mqci Rb Avjv`v Avjv`v wbw` q dig c~iY KiZ nq|
16| mqc q KiZ wK cqvRb nq?
Dt K) Zv I bwgbxi 02(`yB) Kwc cvmcvU AvKvii mZvwqZ Qwe
L) RvZxq cwiPq ci b^i Afzwi Rb Bmy KZcK g~j cwiPq c c`kY evaZvg~jK
M) RvZxq cwiPq c c`kY KiZ AcviM nj m cvmcvU A_ev Rb wbeb mb`i b^i Afwzi Rb Bmy
KZcK g~j Kwc c`kY evaZvg~jK|
17| Kvb mqc KZ UvKv wewbqvM Kiv hvq ?
Dt wewfb mqci qmxgv wbic t-
wgK mq cKi bvg GKK bvg hyM bvg
bs
01 5 eQi gqv`x evsjv`k mqc 30 j 60 j
02 cwievi mqc 45 j
03 3 gvm Ai gybvdv wfwK mqc 30 j 60 j
04 cbkbvi mqc 50 j
18| bvevjK mqc q KiZ cvi wKbv ?
Dt nuv, bvevjK mqc wKbZ cvib| GKRb cv eq ew - GKRb bvevjKi c, hyM-bvg `yBRb bvevjKi c Ges m
wbR GKRb bvevjKi m hyM-bvg mqc wKbZ cvib|
19| mqc wK bwgbx Kiv hvq ?
Dt nvu, GK ev GKvwaK bwgbx gbvbqb Kiv hvq|
20| mqc bwgbx Kiv wK evaZvg~jK ?
Dt bv, Ze wbR^v_ A_vr fwelZ bM`vqb Svgjv GovZ mqc bxwZgvjv gvZveK mqc qKvj q dig GK ev
GKvwaK ewK kZKiv nvi bwgbx gbvbqb Kiv evbxq|
21| bvevjK/bvevwjKvK bwgbx Kiv hvq wK ?
Dt nvu, Kiv hvq|
22| bwgbx bv Ki mqci Zv/gvwjK gviv Mj K Gjv fvvZ/bM`vqb KiZ cvie ?
Dt Zv ev gvwjKi gZzi wZb gvmi ga KvU _K succession mvwUwdKU MnY KiZ ne| G welq miKvi Abygvw`Z ev
c` AvBbvbyM gZv cv ew(DivwaKvix) Gjv fvvZ cvie|
23| mqci g~j gvwjK gviv Mj K fvvZ cvie ?
Dt bwgbx|
24| Zv I DfqB bwgbx gviv Mj K fvvZ cvie ?
Dt Sucessation mvwUwdKU w`q AvBbvbyM DivwaKvix fvvZ cvie|
25| Kvb mqc wK wK myweav cvIqv hvq ?

Dt cwievi mqci my`/gybvdv gvwmK wKwZ, wZb gvm Ai gybvdv wfwK mqc I cbkbvi mqci my`/gybvdv gvwmK
wfwZ ev wZb gvm ci ci cvIqv hvq(Dvjb Kiv hvq)|

26| Kvb mqci wKw mvaviYZ KZ aibi ?


Dt 1,00,000/=(GK j) UvKvi Dci Drm Ki KZbi ci A_vr bxU cvc gvwmK I gvwmK wKw my`/gybvdvi cwigvY wbict-

wgK bs mci bvg cvwi mgqKvj wKwi cwigvY


01 cwievi mqc gvwmK/cwZ gvm $ 912/=
02 wZb gvm Ai gybvdv wfwK mqc wZb gvm ci ci $ 2,622/=
03 cbkbvi mqc wZb gvm ci ci $ 2,940/=

27| eZgvb cPwjZ mqc mg~ni my`/gybvdvi nvi wK ic ?


Dt cPwjZ mqc mg~ni eZgvb (23/05/2015 Bs _K) my`/gybvdvi nvi wbict-
mgq mxgv 5 eQi gqv`x cwievi mqc 3 gvm Ai gybvdv cbkbvi
evsjv`k mqc wfwK mqc mqc
1g eQiv 9.35% 9.50% 10.00% 9.70%
2q eQiv 9.80% 10.00% 10.50% 10.15%
3q eQiv 10.25% 10.50% 11.04% 10.65%
4_ eQiv 10.75% 11.00% 11.20%
5g eQiv 11.28% 11.52% 11.76%
28| mqc Kv_vq fvvbv/bM`vqb Kiv hvq ?
Dt h Awdm _K mqc q Kiv nq, mLvb _K Zv fvvbv/bM`vqb Kiv nq _vK|
29| KLb fvvj my`/gybvdv cvIqv hvq bv ?
Dt 1 eQi c~wZ bv nj Kvb my`/ gybvdv cvIqv hvq bv|
30| gqv`c~wZi c~e fvvj wKfve Zv mg^q Kiv ne ?
Dt 1(GK) j UvKvi mqc q Ki gqv` c~wZi c~e bM`vqb/fvvj wbic wnmvevqb cwZ gvZveK mg^q Kiv net-

(K) cwievi mqci -


mgqmxgv gvwmK gybvdv DVvBqv wewbqvMKZ A_ diZ MnY Kwij cvc UvKv
1 2
c_g ermi PjvKvjxb 1,00,000- MnxZ gybvdv
wZxq ermi PjvKvjxb 1,09,500- MnxZ gybvdv
ZZxq ermi PjvKvjxb 1,20,000- MnxZ gybvdv
PZz_ ermi PjvKvjxb 1,31,500- MnxZ gybvdv
cg ermi PjvKvjxb 1,44,000- MnxZ gybvdv

(L) wZb gvm Ai gybvdv wfwK mqci -


mgqmxgv 3 (wZb) gvm Ai gybvdv DVvBqv wewbqvMKZ A_ diZ MnY Kwij cvc UvKv
1 2
c_g ermi PjvKvjxb 1,00,000- MnxZ gybvdv
wZxq ermi PjvKvjxb 1,10,000- MnxZ gybvdv

ZZxq ermi PjvKvjxb 1,21,000- MnxZ gybvdv

(M) cbkbvi mqci -


mgqmxgv 3 (wZb) gvm Ai gybvdv DVvBqv wewbqvMKZ A_ diZ MnY Kwij cvc UvKv
1 2
c_g ermi PjvKvjxb 1,00,000- MnxZ gybvdv
wZxq ermi PjvKvjxb 1,09,700- MnxZ gybvdv

ZZxq ermi PjvKvjxb 1,20,300- MnxZ gybvdv

PZz_ ermi PjvKvjxb 1,31,950- MnxZ gybvdv

cg ermi PjvKvjxb 1,44,800- MnxZ gybvdv

31| Kvb Kvb mqci gybvdvi Dci Drm AvqKi KZb Kiv nq ?
Dt 1RyjvB/2011 ZvwiL nZ qKZ mKj mqci my`/gybvdv c`vb Kvj 5% nvi (my`/gybvdv _K) Drm AvqKi KZb Kiv
nq|
32| 1 jv RyjvB/2011 ZvwiLi c~e qKZ mqci Drm AvqKi KZbi nvi KZ ?
Dt 1 jv RyjvB/2011 ZvwiL Gi c~e ch qKZ h mKj mqci gybvdvi Dci Drm AvqKi KZbi h nvi chvR wQj mB
nvi Drm AvqKi KZb KiZ ne|
33| 1jv RyjvB/2011 Gi c~e qKZ Kvb Kvb mqc Drm AvqKi gy wQj ?
Dt 01/07/2010 nZ 30/06/2011 ch cwievi mqc Ges 01/07/2009 nZ 30/06/2011 ch cbkbvi mqc Drm
AvqKi gy wQj|
34| mqc vbvi (Transfer) Kiv hvq wKbv ?
Dt nuv, Bmy Awdmi kvLvmg~n mqci iwRkb vbvi Kiv hvq|
35| mqc nvivj, Pzwi nj, cyo Mj, b nj wK ne ?
Dt cqvRbxq AvbyvwbKZv mbi ci WzwcKU mqc cvIqv hve|
36| mqc wjqb Ki ev RvgvbZ iL evsK FY bqv hvq wKbv ?
Dt bv, mqc wjqb Ki ev RvgvbZ iL evsK FY bqv hvq bv|
37| 23/05/2015 ZvwiL ev Zvi ci qKZ mqci my`/gybvdv _K Drm AvqKi KZb Kiv ne wK-bv?
Dt nuv, mKj cKvi mqci my`/gybvdv c`vb Kvj c~ei bvq A_vr 5% nvi (my`/gybvdv _K) Drm AvqKi KZb Kiv ne|
38| Iqe mvBU _K mqci q dig Down-load Ki Zv mqc q eenvi Kiv hve wK-bv?
Dt nuv, eenvi Kiv hve|
39| wewbqvMi qmxgv mqci cK wfwK Avjv`v wKbv?
Dt nuv| GKRb wewbqvMKvix qi hvMZv mb nj cK Iqvix/c_Kfve wewbqvMi qmxgv fvM KiZ cvieb|
40| qmxgvi AwZwi wewbqvM Kiv nj KiYxq wK?
Dt Sanchayapatra Rules, 1977 (Amendment -2002) Abyhvqx Kvb wewbqvMKvix qmxgvi AwZwi wewbqvMi Dci
Kvb my` cvevi AwaKvix neb bv| Gic qmxgvi AwZwi wewbqvM nj wewbqvMKvixK ejv gv wZwb AwZwi wewbqvM
bM`vqb KiZ eva _vKeb|
41| wewbqvMKvixi gbvbxZ ew gybvdv Kzcbi UvKv Dvjb KiZ cvieb wK-bv?
Dt nuv| wewbqvMKvixi wjwLZ A_vivBRkb I gbvbxZ ewi ^vi mZvwqZ Kiv mvc gbvbxZ ew (wewbqvMKvix KZK
wWmPvRKZ) aygv gybvdv Kzcbi UvKv (g~j UvKv bq) Dvjb KiZ cvieb|
42| cbkbvi mqci mekl myweav wK?
Dt 01/07/2014 ZvwiL nZ qKZ 5 j UvKv ch cbkbvi mqc wewbqvM cv my`/gybvdv Drm AvqKi gy|
43| mqci gybvdv Kzcb I g~j UvKv cvwi mekl AMMwZ wK?
Dt BZvga evsjv`k evsKi mKj kvLv Awdm Ges Zdwmwj evsKmg~n EFT (Electronic Fund Transfer) cwZZ
mqci gybvdv Kzcb I g~j UvKv mivmwi wewbqvMKvixi evsK wnmvei gvag c`vbi Kvhg Pvjy Kiv nqQ|
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