,yq;if nryhtzpf; fl;Lg;ghl;ljpfhupf;F nra;ag;gLk; ntspg;gLj;Jif

,yq;if nryhtzpf; fl;Lg;ghl;ljpfhupf;F nra;ag;gLk; ntspg;gLj;Jif
nryhtzpf; fl;Lg;ghl;ljpfhupf;F:
……………………………………………………. Mfpa ehd;/ehk; (mbg;gil ml;il cWg;gpdu;/Fiwepug;G
ml;il cWg;gpdu;) ………………………………… ,g;gbtj;jpy; vd;dhy;/vk;;khy; NkNy jug;gl;Ls;s
vy;yh tptuq;fSk; cz;ikahditAk; rupahditAkhFk; vd ntspg;gLj;Jfpd;(Nwd;)(Nwhk;).
2005 nrg;nlk;gu; 19Me; jpfjpa 1411/5Mk; ,yf;f mjptpNrl fnrw;wpy; ntspaplg;gl;l ve;j
mwptpj;jYf;fika ntspehl;L nryhtzpapy; nfhLf;fy;thq;fy;fSf;fhf ml;il gad;gLj;jg;glyhNkh
me;j mwptpj;jypYs;s nryhtzpf; fl;Lg;ghl;Lr; rl;lj;jpd;fPo; tpjpf;fg;gl;l epajp epge;jidfis
ehd;/ehk; mwpNtd;/mwpNthk; vd ,j;jhy; ehd;/ehk; cWjpg;gLj;JtJld; nrhy;yg;gl;l
epge;jidfSf;fike;J elf;fTk; ,j;jhy; ehd;/ehk; nghWg;Ngw;fpd;(Nwd;)(Nwhk;).
vdf;F/vkf;F toq;fg;gl;l ml;ilapd;kPJ ntspehl;L nryhtzpapy; vd;dhy;/vk;khy; Nkw;nfhs;sg;gl;l
nfhLf;fy;thq;fy;fs; gw;wp nryhtzpf; fl;Lg;ghl;Lr;rl;lj;jpd; Nehf;fj;jpw;F Ne\d;]; l;u];l; tq;fp
Njitg;gLj;jf;$ba VNjDk; jftiy toq;fTk; ehd;/ehk; NkYk; cld;gLfpd;(Nwd;)(Nwhk;).
ehd;/ehk; NtW ehL nrd;why; my;yJ ntspehl;Lj; njhopy;tha;g;GfSf;fhf ehl;il tpl;Lr; nrd;why;
fpwbl; ml;ilia (ml;ilfis) Ne\d;]; l;u];l; tq;fpf;F xg;gilg;gjid nghWg;Ngw;fpd;(Nwd;)(Nwhk;)
vd;gjidAk; ehd;/ehk; cWjpg;gLj;Jfpd;(Nwd;)(Nwhk;).
vdf;F toq;fg;gl;l ,yj;jpudpay; epjpf; ifkhw;wy; ml;ilapd;kPJ (EFTC) mjpfhukspf;fg;glhj
ntspehl;L nryhtzpf; nfhLf;fy;thq;fy; Nkw;nfhs;sg;gLfpd;wd vd re;Njfpg;gjw;F epahakhd
VJf;fs; ,Ug;gpd; ,.ep.if.m. (EFTC) kPJ ntspehl;L nryhtzp fpilf;Fk; tha;g;ig ,ilepWj;JkhW
mjpfhukspf;fg;gl;l tzpfu; Njitg;gLj;jg;gLthu; vd;gjid ehd;/ehk; mwp(Ntd;)(Nthk;).
…………………….
jp kh M
…………………….
jp kh M
………………….
mbg;gil ml;il cWg;gpdupd;
ifnahg;gk;
………………….
mbg;gil ml;il cWg;gpdupd;
ifnahg;gk;

Ne\d;]; l;u];l; Ngq;f; gpvy;rPapd;
mjpfhukspf;fg;gl;l mYtyuhy; nra;ag;gLk; ntspg;gLj;Jif
…………………………..………………………. Mfpa ehd; (mYtyupd; ngau;) ……………………………………………….
vd;gtuhy; (ml;il tpz;zg;gfhuupd; ngau;) rku;g;gpf;fg;gl;l jftiyAk; ,iaghd Mtzq;fisAk;
ftdkhfg; guprPyid nra;Js;Nsd; vd;gJld; nrhy;yg;gl;l jftYk; Mtzq;fSk; nryhtzp
fl;Lg;ghl;Lj; Njitg;ghLfSf;Fk; tq;fpapd; cs;sff; nfhs;iffSf;Fk; ,zq;fpathwhf cs;sd vd
ehd; jpUg;jpAk;gLfpd;Nwd;. ml;il cWg;gpduhy; mtuJ ,.ep.if.m. kPJ (EFTC) ntspehl;L
nryhtzpapy; Nkw;nfhs;sg;gLk; nfhLf;fy; thq;fy;kPJ cupa tpopg;Gf;ftdj;ijg; gpuNahfpg;gjw;Fk;
ml;il cWg;gpduhy; toq;fg;gl;l nghWg;Ngw;gpw;F Kuzhf ,.ep.if.m. kPJ (EFTC) mjpfhukspf;fg;glhj
ntspehl;L nryhtzpf; nfhLf;fy; thq;fy;fs; Nkw;nfhs;sg;gLfpd;wd vdr; re;Njfpg;gjw;F epahakhd
VJf;fs; ,Ug;gpd; ,.ep.if.m. kPJ (EFTC) ntspehl;L nryhtzp fpilf;ff;$ba tha;g;ig
,ilepWj;Jtjw;Fk; ,t;tplaj;ij nryhtzp fl;Lg;ghl;ljpfhupapd; ftdj;jpw;Ff; nfhz;LtUtjw;Fk;
tq;fp nghWg;Ngw;fpd;wJ.
…………..
j. kh. M
………………………………………..
tq;fpapd; rhu;gpy; mjpfhukspf;fg;gl;l mYtyupd;
ifnahg;gk;

ntspg;gLj;Jif
fPNo ifnahg;gkpLtjd;%yk; vdf;F/vkf;F fzf;nfhd;W (fzf;Ffs;) Muk;gpf;fg;gl;L ehd;/ehk; jq;fsplk;
Ntz;LNfhs; tpLf;FkhW mnkupf;fd; vf;];gpu]; fpwbl; ml;il(ml;ilfs;) toq;fg;gl Ntz;Lk; vdTk; fld;
ml;ilia(ml;ilfis) 4 Jz;Lfshf ntl;b vy;yhj; Jz;LfisAk; jq;fsplk; jpUg;gpf;nfhLg;gjd;%yk;
ml;iliag; gad;gLj;Jtjw;fhd vdJ/vkJ cupikia ehd;/ehk; xg;gilf;Fk;tiu mjid/mtw;iwg;
GJg;gpf;FkhWk; khw;wPL nra;AkhWk; ehd;/ehk; Ntz;LNfhs; tpLf;fpd;(Nwd;) (Nwhk;). vdf;F/vkf;F
Mw;Wg;gLj;jhky; fhyj;Jf;Ff;fhyk; jq;fSf;Fj; Njitg;gLk; VNjDk; jftiy jq;fSf;F my;yJ jq;fspd;
gpujpepjpf;F tpLtpg;gjw;F ehd;/ehk; vdJ/vkJ tq;fpahsu;fSf;F my;yJ NtW VNjDk; %y Mjhuj;Jf;F
mjpfhukspf;fpd;Nwd(;/mjpfhukspf;fpd;Nwhk);.
vdJ/vkJ fpwbl; ml;il(fs;) fpwbl; ml;il cWg;gpdu; cld;gbf;ifapd; epajp epge;jidfSf;Fk; Ne\d;];
l;u];l; gpvy;rP ahy; toq;fg;gl;l NtW fzf;F epajp epge;jidfSf;Fk; mika gad;gLj;jg;glyhk; vd;gjw;F
ehd;/ehk; cld;gLfpd;Nwd;(Nwhk;). mj;Jld; (,jd; gpujpnahd;W vdJ/vkJ ml;ilAld; (ml;ilfSld;) Nru;j;J
vdf;F/vkf;F mDg;gpitf;fg;gLk;) ,e;j tpz;zg;gk; mq;fPfupf;fg;gLtjd;kPJ Ne\d;]; l;u];l; Ngq;f; gpvy;rPahy;
toq;fg;gLk; fpwbl; ml;il cWg;gpdu; cld;gbf;ifapd; epajp epge;jidfis Vw;Wf;nfhs;sTk; mtw;why;
gpzpf;fg;glTk; NkYk; ehd;/ehk; cld;gLfpd;(Nwd;)Nwhk;. “ghtidf;fhd epge;jidfs;” vd;gjpy; Fwpg;gplg;gl;Ls;s
vy;yh epge;jidfshYk; gpzpf;fg;gLtjw;F ehd;/ehk; cld;gLfpd;Nwd;(Nwhk;). fpwbl; ml;il(fs;)
mj;Jld;/my;yJ Fiwepug;G fpwbl; ml;ilfs; njhlu;gpy; tUq;fhyj;jpy; fhyj;Jf;Ff;fhyk; Ne\d;]; l;u];l;
gpvy;rPahy; khw;wg;gLk;> jpUj;jg;gLk;> kPsha;T nra;ag;gLk; mj;Jld;/my;yJ Gjpjhf mwpKfk; nra;ag;gLk; epajp
epge;jidfis Vw;Wf;nfhs;s ehd;/ehk; cld;gLfpd;(Nwd;)(Nwhk;).
vdJ/vkJ fhR Kw;gz tiuaiw vdJ/vkJ epue;juf; fld; tiuaiwapd; 50% tPjj;jpw;F Nkw;glkhl;lhJ vd
ehd;/ehk; cld;gLfpd;(Nwd;)(Nwhk;.
Fwpj;jrpy ATM nghwpfs;/tq;fp/ fUkgPl kl;Lg;ghLfs; ,yq;ifapYk; ntspehLfspYk; vdJ/vkJ fpwbl;
ml;il(apd;)(fspd;) ghtidf;F Vw;Gilj;jhfyhk; vd;gjid ehd;/ehk;) mwpNthk;.
ehd;/ehk; tpUk;gpathW xg;gilg;igr; nra;a Kbahtpby;> tq;fp vdJ fbjj;njhlu;G Kftupia khw;wyhk;
vd;gjid ehd;/ehk; mwpNthk;.
,e;j tpz;zg;gj;jpy; jug;gl;Ls;s Nkw;gbj; jfty; cz;ikahdJk; rupahdJkhFk; vd ehd;/ehk; ,j;jhy;
cj;juthjkspf;fpd;(Nwd;)(Nwhk;). fpwbl; ml;il tq;fpapd; Vf jw;Wzpgpd;Ngupy; toq;fg;gLk; vd;gjid ehd;/ehk;
Vw;Wf;nfhs;fpd;(Nwd;)(Nwhk;).
Fiwepug;G fpwbl; ml;ilnahd;Wf;fhd vdJ Ntz;LNfhs; mq;fPfupf;fg;gbd; Fiwepug;G ml;il cWg;gpdu; mtuJ
nrhe;j MSf;Fupa Msilahs ,yf;fj;ij (PIN) njupTnra;ayhk; vd;gJld; ve;jf; fzf;FfSf;F ehd;
,yj;jpudpay; Kiwapy; mZf;fk; ngwyhNkh me;j vitNaDk; fzf;FfSf;F (mtuhy;) mZf;fk; ngwKbAk;
vd;gjid ehd; xg;Ngw;fpd;Nwd;. ve;jf; fzf;FfSf;F ehd; Vw;fdNt mZf;fk; ngw;Ws;NsNdh my;yJ gpd;du;
mZf;fk;ngw vw;ghL nra;ag;glyhNkh me;jf; fzf;FfSk; ,jpylq;Fk;. csjhk; Kd;dpiy ml;il cWg;gpdu;
vd;w tifapy; vtNuDk; Fiwepug;G ml;il cWg;gpduhy; fzf;fpd;kPJ Nkw;nfhs;sg;gLk; vy;yhf;
nfhLf;fy;thq;fy;fSf;Fk; ehd; $l;lhfTk; jdpj;Jk; nghWg;ghspahNtd;.

Fiwepug;G ml;il tpz;zg;gfhuuhfpa ehd;> ve;j ml;il mjw;fhf tpz;zg;gpf;fg;gl;L Ne\d;]; l;u];l; gpvy;rPahy;
Kjdpiy ml;il tpz;zg;gfhuUf;F mj;Jld;/my;yJ vdf;F toq;fg;gLfpd;wNjh me;j ml;il (ml;ilfisg;)
gad;gLj;jp Kiwtopg;gLj;jg;gLk; vy;yhf; nfhLf;fy;thq;fy;fSf;Fk; ehd; $l;lhfTk; jdpj;Jk; nghWg;ghspahNtd;
vd;gjw;F cld;gLfpd;Nwd;.
nryhtzp fl;Lg;ghl;ljpfhupf;F:
,g;gbtj;jpy; vd;dhy; jug;gl;Ls;s vy;yh tptuq;fSk; cz;ikahditAk; rupahditAkhFk; vd ehd;
ntspg;gLj;Jfpd;Nwd;. mj;Jld; vdJ ru;tNjr ,yj;jpudpay; epjp khw;wy; ml;ilia (International Electronic Funds
Transfer Card) fld; ml;ilia/gw;W ml;ilia (ml;ilfis) (Credit Card/Debit Card) ntspehl;by;
mjpfhukspf;fg;gl;l tiuaiwf;Fs; khj;jpuk; gad;gLj;jg;gLtjidg; nghWg;Ngw;fpd;Nwd;. mj;Jld; mJ tu;j;jf
uPjpapy; gz;lq;fisf; nfhs;tdT nra;tjw;Fk; %yjdf; ifkhw;wq;fSf;Fk; gad;gLj;jg;glkhl;lhJ vd;gjid
cWjpg;gLj;Jfpd;Nwd;. ehd; ntspehl;L Ntiytha;g;Gf;nfd ntspehL nrd;why; my;yJ ,yq;ifia tpl;Lr;
nrd;why; ru;tNjr ,yj;jpudpay; epjp khw;wy; ml;ilia (International Electronic Funds Transfer Card) fld;
ml;ilia/gw;W ml;ilia (Credit Card)/ Debit Card)> Ne\d;]; l;u];l; Ngq;f; gpvy;rPf;F xg;gilf;f ehd;
nghWg;Ngw;fpd;Nwd;.
Nkw;gb ntspg;gLj;Jjiy ehd;/ehk; thrpj;J tpsq;fpf;nfhz;Ls;Nsd;.
……………………………………………...
Kjdpiy ml;il
tpz;zg;gfhuupd; ifnahg;gk;
…………………………………………….
Fiwepug;G ml;il
tpz;zg;gfhuupd; ifnahg;gk;
……………………………………………..…….
jpfjp
……………………………………….………….
jaT nra;J ,e;j tpz;zg;gj;ij KOikahf epug;gp mjid cq;fs; Nj.m.m./flTr;rPl;bd; gpujpnahd;Wld;
Nru;j;J rku;g;gpf;fTk;. Nghjpastpy;yhj jfty; cq;fs; tpz;zg;gj;ij Kiwtopg;gLj;Jtjpy; jhkjj;ij
Vw;gLj;jyhk;.
jpfjp