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35. HSC Finance, Bangking and Insurance 2

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†KvwfW 19 †cÖwÿ‡Z 2023 mv‡ji GBPGmwm cixÿvi
cybwe©b¨vmK…Z cvV¨m~wP
welq: wdb¨vÝ, e¨vswKs I wegv
cÎ: wØZxq
welq †KvW: 293
†KvwfW 19 †cÖwÿ‡Z 2023 mv‡ji GBPGmwm cixÿvi cybwe©b¨vmK„Z cvV¨m~wP
welq:
wdb¨vÝ, e¨vswKs I wegv
Aa¨vq I Aa¨v‡qi
wk‡ivbvg
cÖ_g
e¨vsK e¨e¯’vi cÖv_wgK
aviYv
wØZxq
†K›`ªxq e¨vsK
cÎ: wØZxq (e¨vswKs I wegv)
wkÿvµg I cvV¨cy¯Í‡K DwjøwLZ wkLbdj
1| e¨vs‡Ki DrcwË I BwZnvm eY©bv
Ki‡Z cvi‡e|
2| A_©‣bwZK Dbœq‡b e¨vsK Gi ¸iæZ¡
we‡kølY Ki‡Z cvi‡e|
3| e¨vswKs e¨emv‡qi cÖK…wZ I aib
e¨vL¨v Ki‡Z cvi‡e|
4| evsjv‡`‡ki e¨vswKs e¨e¯’v m¤ú‡K©
eY©bv Ki‡Z cvi‡e|
5| evsjv‡`‡ki e¨vsK e¨e¯’vi wbqš¿Y
weavb e¨vL¨v Ki‡Z cvi‡e|
6| e¨vsKvi-MÖvnK m¤úK© e¨vL¨v Ki‡Z
cvi‡e|





1| †K›`ªxq e¨vs‡Ki aviYv e¨vL¨v Ki‡Z
cvi‡e|
2| †K›`ªxq e¨vs‡Ki AvIZv, cwiwa I
Kvh©vewj e¨vL¨v Ki‡Z cvi‡e|
3| miKv‡ii mv‡_ †K›`ªxq e¨vs‡Ki
m¤úK© we‡kølY Ki‡Z cvi‡e|
4| A_© evRvi wbqš¿‡Y †K›`ªxq e¨vs‡Ki
Kvh©vewj we‡kølY Ki‡Z cvi‡e|








welq †KvW: 293 c~Y© b¤^i: 100
welqe¯‘
(cvV I cv‡Vi wk‡ivbvg)
e¨vs‡Ki DrcwË I mswÿß BwZnvm
A_©‣bwZK Dbœq‡b e¨vsK Gi ¸iæZ¡
e¨vswKs e¨emv‡qi cÖK…wZ I aib
evsjv‡`‡ki e¨vswKs e¨e¯’v
evsjv‡`‡k e¨vsK e¨e¯’vi wbqš¿Y
weavb (e¨vsK †Kv¤úvwb AvBb,
1991; e¨v‡mj 2)
e¨vsKvi-MÖvnK m¤úK© (e¨vswKs
†mevmg~n, MÖvnK‡K Rvbv, Mviwbwk
AW©vi, Av‡`kcÎ Ges AvBbZ
ÿgZv)
ZË¡xq b¤^i: 100
e¨envwiK b¤^i: 00
cÖ‡qvRbxq K¬vm
msL¨v
2
1
1
1
1
K¬v‡mi µg
2
7g I 8g
†K›`ªxq e¨vsK
- AvIZv
- cwiwa
- Kvh©vewj
2
9g I 10g
1
11k
miKv‡ii mv‡_ †K›`ªxq e¨vs‡Ki
m¤úK©
ZvwjKvfz³ e¨vsKmg~‡ni ZË¡veavqb
1
12k
1
13k
†bvU Bmy¨KiY Ges A‡_©i †hvMvb
wbqš¿Y
†K›`ªxq e¨vs‡Ki FY wbqš¿Y
c×wZmg~n
gy`ªv-evRvi ZË¡veavqb
wbKvkNi : Kvh©vewj, c×wZ I
¸iæZ¡
1
14k
3
15k - 17k
1
2
18k
19k I 20k
1g I 2q
3q
4_©
5g
6ô
gšÍe¨
Aa¨vq I Aa¨v‡qi
wk‡ivbvg
PZz_©
e¨vsK wnmve
lô
†PK, wej Ae G·‡PÄ
I cÖwgmwi †bvU
wkÿvµg I cvV¨cy¯Í‡K DwjøwLZ wkLbdj
1| e¨vsK wnmv‡ei aviYv e¨vL¨v Ki‡Z
cvi‡e|
2| e¨emv-evwYR¨ Ges cÖvZ¨wnK Rxe‡b
Gi ¸iæZ¡ e¨vL¨v Ki‡Z cvi‡e|
3| e¨vsK wnmve †Lvjv, cwiPvjbv Ges
eÜ Kivi c×wZ e¨vL¨v Ki‡Z cvi‡e|
4| e¨vsK wnmv‡ei cÖKvi‡f` e¨vL¨v
Ki‡Z cvi‡e|
5| mwVK e¨vsK wnmve wbe©vP‡bi ¸iæZ¡
we‡kølY Ki‡Z cvi‡e|
6| e¨vsK wnmv‡ei †MvcbxqZv iÿvi
cÖ‡qvRbxqZv e¨vL¨v Ki‡Z cvi‡e|
7| MÖvnK I e¨vsK m¤úK© e¨vL¨v Ki‡Z
cvi‡e|
1| †P‡Ki aviYv e¨vL¨v Ki‡Z cvi‡e|
2| †P‡Ki cÖKvi‡f` wPwýZ Ki‡Z
cvi‡e|
3| †P‡Ki cÿmg~n e¨vL¨v Ki‡Z cvi‡e|
4| wewfbœ cÖKvi †P‡Ki myweav I Amyweav
e¨vL¨v Ki‡Z cvi‡e|
5| †P‡Ki wbivcËv e¨e¯’vi Dcvq we‡kølY
Ki‡Z cvi‡e|
6| †PK Aby‡gv`b e¨vL¨v Ki‡Z cvi‡e|
7| †PK Aby‡gv`‡bi cÖKvi‡f` eY©bv
Ki‡Z cvi‡e|
8| †P‡Ki Agh©v`vi aviYv e¨vL¨v Ki‡Z
cvi‡e|
9| nviv‡bv †P‡Ki Rb¨ KiYxqmg~n e¨vL¨v
Ki‡Z cvi‡e|
10| wej Ae G·‡PÄ I cÖwgmwi †bvU
Gi cwiwPwZ I e¨envi e¨vL¨v Ki‡Z
cvi‡e|











welqe¯‘
(cvV I cv‡Vi wk‡ivbvg)
e¨vsK wnmve
- e¨vsK wnmv‡ei ¸iæZ¡
- e¨vsK wnmve †Lvjvi c×wZ
- KYC d‡g©i ¸iæZ¡
- wnmve cwiPvjbv I eÜKiY
e¨vsK wnmv‡ei cÖKvi‡f`
mwVK e¨vsK wnmve wbe©vPb
e¨vsK wnmv‡ei †MvcbxqZv iÿv
†P‡Ki aviYv
- cÖKvi‡f`
- †P‡Ki cÿmg~n
wewfbœ cÖKvi †P‡Ki myweav I
Amyweav
†PK m¤úwK©Z cÖZviYv I
RvwjqvwZi wec‡ÿ e¨vs‡Ki wbivcËv
e¨e¯’v
†PK Aby‡gv`b, Aby‡gv`‡bi
cÖKvi‡f`
†P‡Ki Agh©v`v
nviv‡bv †P‡Ki Rb¨ KiYxq
wej Ae G·‡PÄ I cÖwgmwi †bvU
Gi cwiwPwZ I e¨envi
cÖ‡qvRbxq K¬vm
msL¨v
5
K¬v‡mi µg
21k - 25k
1
1
1
1
1
26k
27k
28k
29k
30k
1
1
1
2
31k
32k
33k
34k I 35k
1
36k
2
37k I 38k
1
1
2
39k
40k
41k I 42k
gšÍe¨
Aa¨vq I Aa¨v‡qi
wk‡ivbvg
beg
B‡j±ªwbK I AvaywbK
e¨vswKs
`kg
wegv m¤ú‡K© †g․wjK
aviYv
GKv`k
Rxeb wegv
wkÿvµg I cvV¨cy¯Í‡K DwjøwLZ wkLbdj
1| e¨vswKs Lv‡Z Z_¨ I †hvMv‡hvM
cÖhyw³i e¨envi eY©bv Ki‡Z cvi‡e|
2| B‡j±ªwbK e¨vswKs Gi aviYv e¨vL¨v
Ki‡Z cvi‡e|
3| B‡j±ªwbK e¨vswKs Gi ¸iæZ¡ we‡kølY
Ki‡Z cvi‡e|
4| AvaywbK e¨vswKs myweav I †mevmg~n
wPwýZ K‡i we‡kølY Ki‡Z cvi‡e|
5| B‡j±ªwbK e¨vswKs e¨e¯’vq MÖvn‡Ki
Z_¨ msiÿY Ges †MvcbxqZvi aviYv
e¨vL¨v Ki‡Z cvi‡e|
1| wegvi aviYv e¨vL¨v Ki‡Z cvi‡e|
2| wegvi ¸iæZ¡ e¨vL¨v Ki‡Z cvi‡e|
3| wegvi mswÿß BwZnvm eY©bv Ki‡Z
cvi‡e|
4| SuywKi aviYv I Gi cÖKvi‡f` e¨vL¨v
Ki‡Z cvi‡e|
5| wegv e¨emv‡qi g~jbxwZ we‡kølY
Ki‡Z cvi‡e|
6| wegv Pzw³i •ewkó¨, cÖK…wZ I Acwinvh©
Dcv`vbmg~n e¨vL¨v Ki‡Z cvi‡e|
7| wegvi †kÖwYwefvM e¨vL¨v Ki‡Z
cvi‡e|
8| wewfbœ cÖKvi wegvi Zzjbv Ki‡Z
cvi‡e|
9| evsjv‡`‡k wegv e¨emv‡qi eZ©gvb
Ae¯’v e¨vL¨v Ki‡Z cvi‡e|
10| evsjv‡`‡k wegv e¨emv‡qi wbqš¿K
ms¯’vi f‚wgKv e¨vL¨v Ki‡Z cvi‡e|
1| Rxeb wegvi aviYv e¨vL¨v Ki‡Z mÿg
n‡e|
2| Rxeb wegvi cÖKvi‡f` eY©bv Ki‡Z
cÖ‡qvRbxq K¬vm
msL¨v
1
K¬v‡mi µg
2
44k I 45k
4
46k I 49Zg
2
50Zg I 51Zg
wegvi aviYv
- ¸iæZ¡
- mswÿß BwZnvm
SuywK I Gi cÖKvi‡f`
wegv e¨emv‡qi g~jbxwZ
1
1
1
1
2
52Zg
53Zg
54Zg
55Zg
56Zg I 57Zg
wegv Pzw³
- •ewkó¨
- cÖK…wZ
- Acwinvh© Dcv`vb
1
1
58Zg
59Zg
1
60Zg

wegvi †kÖwYwefvM
1
61Zg

evsjv‡`‡k wegv e¨emv‡qi eZ©gvb
Ae¯’v
evsjv‡`‡k wegv e¨emv‡qi wbqš¿K
ms¯’v
1
62Zg
1
63Zg

Rxeb wegvi aviYv, •ewkó¨ I
†kÖwYwefvM
6
64Zg - 69Zg

Rxeb
1
70Zg









welqe¯‘
(cvV I cv‡Vi wk‡ivbvg)
e¨vsK cwiPvjbvq I MÖvnK †mevq
cÖhyw³i e¨envi
B‡j±ªwbK e¨vswKs Gi aviYv I
¸iæZ¡
MÖvn‡Ki Rb¨ AvaywbK e¨vswKs myweav
I †mevmg~n
B‡j±ªwbK e¨vswKs e¨e¯’vq MÖvn‡Ki
Z_¨ msiÿY Ges †MvcbxqZv
wegv
Pzw³
m¤úv`b
43k
gšÍe¨
Aa¨vq I Aa¨v‡qi
wk‡ivbvg
wkÿvµg I cvV¨cy¯Í‡K DwjøwLZ wkLbdj
cvi‡e|
3| wewfbœ cÖKvi Rxeb wegvi •ewkó¨
e¨vL¨v Ki‡Z cvi‡e|
4| Rxeb wegv Pzw³ m¤úv`b cÖwµqv
cÖ`k©b Ki‡Z cvi‡e|
5| Rxeb wegvi `vwe Av`vq c×wZ
we‡kølY Ki‡Z cvi‡e|
6| wcÖwgqvg, †evbvm I evwl©K e„wËi aviYv
e¨vL¨v Ki‡Z cvi‡e|
7| wcÖwgqvg, †evbvm I evwl©K e„wËi
Zzjbvg~jK we‡kølY Ki‡Z cvi‡e|
welqe¯‘
(cvV I cv‡Vi wk‡ivbvg)
cÖwµqv
cÖ‡qvRbxq K¬vm
msL¨v
K¬v‡mi µg

`vwe Av`vq c×wZ
1
71Zg


wcÖwgqvg, †evbvm I evwl©K e„wË
mgc©Y g~j¨, cybt wegv I •ØZ
wegv
2
2
72Zg I 73Zg
74Zg I 75Zg
me©‡gvU
gvb eÈb: cÖkœc‡Îi aviv I gvb eÈb AcwiewZ©Z _vK‡e|
75
gšÍe¨
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