SME Policy - Rupali Bank Limited

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hÉu- AbÑ¡ue fË¡LLme (mr V¡L¡u)
L) Øq¡u£ hÉu x-
S¢j J S¢jl Eæue
c¡m¡e J f§lLjÑ
kÇœf¡¢axBjc¡e£ahÉ Ll J h£j¡ pq
Øq¡e£u
Øq¡fe hÉu
N¡s£ J f¢lhqe
Bph¡h fœ J pl‘¡j
¢p¢LE¢l¢V J ¢X−f¡¢SV
fË¡b¢jL hÉu/fË¡L Evf¡ce hÉu
L¢¾Ve−S¾p£
Ef-−j¡V
¢ejÑ¡Z L¡m£e p¤c
−j¡V Øq¡u£ hÉu
CL¥C¢V hÉ¡wL GZ −j¡V
M) Qm¢a j§mde (1j hRl)
N) ®j¡V fËLÒf hÉu (L + M)
O) GZ CL¥C¢V Ae¤f¡a
P) CL¥C¢V pwØq¡−el Evp

Circular-SME-3
(4)
24z Bu Bu f§hÑ¡i¡p f§hÑ¡i¡p x- (mr V¡L¡u)
¢hhlZ
Evf¡ce rja¡
¢hH²u Bu
¢h¢H²a f−eÉl hÉu
NËp j¤e¡g¡
p¡d¡le J fËn¡pe hÉu
Af¡−l¢Vw j¤e¡g¡
B¢bÑL hÉu
e£V j¤e¡g¡
1j hRl 2u hRl 3u hRl 4bÑ hRl 5j hRl
25z NÉ¡l¡¢¾V NÉ¡l¡¢¾V pÇf¢LÑa pÇf¢LÑa abÉ¡¢c abÉ¡¢c xx-
x
1) S¡¢jec¡−ll e¡j x
2) GZ B−hceL¡l£l p¡−b pÇfLÑ x
3) S¡¢jc¡−ll B¢bÑL pwN¢a x
4) ¢a¢e HL¡¢dL G−Zl ¢hfl£−a
S¡¢jec¡l q−u−R ¢Le¡ x
26z Qm¢a Qm¢a j§mde j§mde G−Zl G−Zl ®r−œ ®r−œ pq¡uL pq¡uL S¡j¡e−al S¡j¡e−al ¢hhlZ ¢hhlZ x-
27z AeÉ¡eÉ abÉ¡¢c abÉ¡¢c ( k¢c b¡−L ) x
HC j−jÑ fËaÉue Ll¢R ®k,Ef−l fËcš abÉ¡¢c/ ¢hhlZ£ p¢WL J paÉ z
Bfe¡l ¢hnÄÙ¹,
B−hceL¡l£l ü¡rl J p£m
a¡¢lM x

Circular-SME-3
iƒcvjx e¨vsK wjwg‡UW
Rupali Bank Limited
f¢l¢nø f¢l¢nø-M(¢h)
f¢l¢nø f¢l¢nø M(¢h) M(¢h)
pqS J p¤mi GZ: (B−hceL¡l£ La«ÑL f§lZLªa)
_____________________________________________________
a¡¢lM x
n¡M¡ fÐd¡e
Hp, Hj, C, ¢hi¡N
l©f¡m£ hÉ¡wL ¢m¢j−VX
34, ¢cmL¥n¡, fÐd¡e L¡kÑ¡mu, Y¡L¡
n¡M¡ x ................................... A’m x...................
¢fÐu j−q¡cu,
B¢j/Bjl¡ l©f¡m£ hÉ¡wL ¢mx Hl ¢eLV Bj¡l/Bj¡−cl hÉhp¡ fТaù¡e (h¡wm¡u)
.......................................... (Cw−l¢S−a) ................................Hl e¡−j Qm¢a
j§mde/ÙÛ¡u£ pÇfc œ²u/AeÉ¡eÉ.................................... h¡hc.................j¡p
−ju¡c£.................V¡L¡l HL¢V......................GZ Ae¤−j¡c−el SeÉ B−hce Ll¢R z
Bfe¡−cl hÉ¡w−Ll ¢euj¡e¤k¡u£ Bj¡l/Bj¡−cl hÉ¢š²Na J hÉhp¡ pwœ²¡¿¹. k¡ha£u abÉ ¢e−jÀ fÐc¡e
Ll¢R z
B−hceL¡l£l hÉ¢š²Na abÉ (j¡¢mL/j¡¢mLNZ)
1z e¡j (h¡wm¡u) x ......................................... 2z hup/S¾j a¡¢lM x .....................
(Cw−l¢S−a) x ...................................... 3z ¢nr¡Na ®k¡NÉa¡ x.....................
4z E−cÉ¡š²¡ ¢qp¡−h B−hceLªa hÉhp¡−u A¢i‘a¡ x .....................................
5z LjÑQ¡l£ ¢qp¡−h pjS¡a£u hÉhp¡−u A¢i‘a¡x..........................................
6z S¡a£u f¢lQu fœ.ew........................
7z AeÉ¡eÉ A¢i‘a¡/cra¡ x ...........................................................................
8z ¢fa¡l e¡j (h¡wm¡u ) BhnÉL x...........................S¡a£u f¢lQu fœ.ew.......................
Cw−l¢S−a x ..............................................
9z j¡a¡l e¡j (h¡wm¡u ) BhnÉL x............................ S¡a£u f¢lQu fœ.ew..............
(Cw−l¢S−a ) x..............................................
10z Ù»£/ü¡j£l e¡j (h¡wm¡u ) x ................................ S¡a£u f¢lQu fœ.ew............
(Cw−l¢S−a ) x .............................................. .
11z haÑj¡e ¢WL¡e¡ (¢hÙ¹¡¢la )x −q¡¢ôw/h¡¢s eðl ............. psL/NË¡j x.......................
−f¡x A¢gp x.............. b¡e¡ x.......... ®Sm¡x ...........
12z ÙÛ¡u£ ¢WL¡e¡ (¢hÙ¹¡¢la )x −q¡¢ôw/h¡¢s eðl x ............. psL/NË¡j x.....................
−f¡x A¢gp x...................b¡e¡ x................ ®Sm¡x .....
13z j¡¢pL Bu (hÉhp¡ q−a ) x ....................
14z AeÉ¡eÉ Evp ®b−L j¡¢pL Bu (k¢c b¡−L)x |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
15z j¡¢pL Bu ( hÉ¢š²Na J f¡¢lh¡¢lL ) x...............
16z E−cÉ¡š²¡l Efl ¢eiÑln£m hÉ¢š²l pwMÉ¡x................
17z fТaù¡−el e¡−j/E−cÉ¡š²¡l ¢e−Sl e¡−j hÉ¡wL HÉ¡L¡E¾V B−R ¢Le¡? qÉy¡/e¡
(qÉy¡ q−m) L) hÉ¡wL HÉ¡L¡E−¾Vl e¡j x.............................................
M) hÉ¡w−Ll e¡j x........................N) n¡M¡l e¡j x...................
O) hÉ¡wL HÉ¡L¡E¾V eðl x .............................¢hhlZ£ pwk¤š² x
18z hÉ¢š²Na pÇfc (V¡L¡u) xL) S¢j x....................M) h¡¢s x...............N) k¡eh¡qex.......
O)AeÉ¡eÉ (hÉ¡w−L Sj¡/¢X,¢f,Hp/p’ufœ/AeÉ¡eÉ...........) x......
19z f¡¢lh¡¢lL pÇfc (V¡L¡u ) xL) S¢j x.................M) h¡¢s x..............N) k¡eh¡qex.........
O) AeÉ¡eÉ (hÉ¡w−L Sj¡/¢X,¢f,Hp/p’ufœ/AeÉ¡eÉ.........) x..... ....
20z c¡u (hÉ¢š²Na) x.............................. 21z c¡u (f¡¢lh¡¢lL ) x ........................
22z ®L¡e fÐL¡l j¡jm¡u S¢sa B−R ¢L-e¡
• (HL¡¢dL E−cÉ¡š²¡l ®r−œ HL¡¢dL fªù¡ hÉhq¡l Ll¦e)
• AeÉ¡eÉ fÐ−u¡Se£u abÉ fÊc¡−el SeÉ ÙÛ¡e pwL¤m¡e e¡ q−m HL¡¢dL fªù¡ hÉhq¡l Ll¦e
4 (Q¡l) L¢f paÉ¡¢ua
R¢h

Circular-SME-3
hÉhp¡ pwœ²¡¿¹ abÉ
1z hÉhp¡l e¡j ( ®VÊX m¡C−p¾p Ae¤k¡u£ ) (h¡wm¡u) x.....................................................
(Cw−l¢S−a ) x...................................................
2z hÉhp¡l e¡j (p¡Ce−h¡XÑ Ae¤k¡u£ ) (h¡wm¡u ) x...................................................
(Cw−l¢S−a ) x................................................
3z hÉhp¡l BCeNa dlZ x HLL j¡¢mL¡e¡d£e Awn£c¡l£
4z hÉhp¡ öl¦l a¡¢lM x j¡p.........................pe..........................................
5z ¢Ve ew (k¢c b¡−L / fÐ−k¡SÉ ®r−œ )x......................(fy¡Q mr V¡L¡l A¢dL q−m BhnÉL)
6z hÉhp¡l ¢WL¡e¡ (¢hœ²u −L¾cÐ/®n¡.l¦j ) x................................................................
−g¡e x .......................gÉ¡„ x..................... ®j¡h¡Cm x ..................
7z L¡lM¡e¡l ¢WL¡e¡ x..................................................................................
8z …c¡−jl ¢WL¡e¡ x ......................................................................................
9z hÉhp¡l dlZ x ®VÊ¢Xw ( M¤Ql¡.......................%, f¡CL¡l£......................%)
Evf¡ce j¤M£/®ph¡/M¡j¡l
10z fZÉ âhÉ/ ®ph¡l dlZ x .............................................................................
11z LjÑQ¡l£l pwMÉ¡ x ......................... ®hae J i¡a¡ (j¡¢pL).................................
12z f¡¢lh¡¢lL hÉhp¡ ¢Le¡ ? qÉy¡ /e¡ qÉy¡ q−m −L ¢e−u¡¢Sa.............................................
13z ¢hœ²u abÉ x (j¡−pl e¡−jl f¡−n ¢VL ¢ce )
−j±p¤j
j¡−pl
pwMÉ¡
j¡−pl e¡j
hRlx 20
p−hÑ¡µQ ¢hœ²u S¡e¤ −ghЦ j¡QÑ H¢fÐm −j S¤e S¤m¡C BNØV −pÃV A−ƒ¡ e−i ¢X−p
ü¡i¡¢hL
¢hœ²u
S¡e¤ −ghЦ j¡QÑ H¢fÐm −j S¤e S¤m¡C BNØV −pÃV A−ƒ¡ e−i ¢X−p
phÑ¢ejÀ ¢hœ²u S¡e¤ −ghЦ j¡QÑ H¢fÊm −j S¤e S¤m¡C BNØV −pÃV A−ƒ¡ e−i ¢X−p
p−hÑ¡µQ ¢hœ²u ®j±p¤j ü¡i¡¢hL ¢hœ²u ®j±p¤j ¢ejÀ ¢hœ²u ®j±p¤j
a¡¢lM ¢hœ²−ul a¡¢lM ¢hœ²−ul a¡¢lM ¢hœ²−ul
f¢lj¡e
f¢lj¡e
f¢lj¡e
−j¡V −j¡V −j¡V
14z ®k pLm −j±p¤−jl ¢hœ²u ®lLXÑ Ae¤f¢ÙÛa ®p pLm ®j±p¤−jl N−s °c¢eL ¢hœ²u x..................
15z j¡−p ¢hœ²u ¢c−el pwMÉ¡......... 16z e£V j¤e¡g¡l naLl¡ q¡l........%
17z h¡¢L−a ¢hœ²−ul naLl¡ q¡l ......%
18z hÉhp¡−u hÉhq©a ¢eSü ÙÛ¡u£ pÇfc (haÑj¡e j§mÉ ) xL) S¢j/f−Sne x.......... M) c¡m¡e x.....
N) ®j¢ne¡l£S x ..................O) Bph¡h fœ x ................. P) AeÉ¡eÉ x..........................
19z A¢NËj/ m£S h¡hc fÐc¡e (fÐ−k¡SÉ ®r−œ)x ......................................................
(fСj¡¢eL /pjbÑL L¡NS k¡ CRO La«ÑL paÉ¡ue q−a q−h)
20z jS¤c f−ZÉl ¢hhlZ x (¢iæal ®r−œ fªbL i¡−h ¢hÙ¹¡¢la abÉ pwk¤š² Ll−a q−h)
¢hhlZ
Ly¡Q¡ j¡−ml (œ²u j§mÉ)
fТœ²u¡S¡a f−ZÉl j§mÉ
¯al£ fZÉ (œ²u/Evf¡ce
j§mÉ)
p−hÑ¡µQ ®j±p¤−j jS¤c ü¡i¡¢hL ®j±p¤−j
jS¤c
phÑ¢ejÀ ®j±p¤−j jS¤c

håL£ahÉ j¡m¡j¡m J Evf¡¢ca f−ZÉl j§mÉj¡e
L) hÉhp¡ M¡−a Bjc¡e£ahÉ j¡m¡j¡−ml ®r−œ (k¡ Lj a¡ E−õM Ll−a q−h ) mÉ¡−äX Lø:
V¡L¡ .......................... haÑj¡e h¡S¡l j§mÉ V¡L¡ ............................
M) ¢nÒf M¡−a ®cn£u Evf¡¢ca j¡m¡j¡−ml ®r−œ (k¡ Lj a¡ E−õM Ll−a q−h)
Ex-Mill/ gÉ¡ƒ¢l j§mÉ ....................... haÑj¡e j§mÉ V¡L¡
N)hÉhp¡ M¡−a (k¡ Lj a¡ E−õM Ll−a q−h) plL¡l La«ÑL ¢edÑ¡¢la f¡CL¡¢l j§mÉ
V¡L¡..................... Qm¢a h¡S¡l j§mÉ V¡L¡ ..........................
håL£ahÉ ®fÔS J q¡C−f¡¢b−Lne J Evf¡¢ca f−ZÉl j§mÉ¡ue ®L¡e AhÙÛ¡−aC j§mÉ¡u−el ®hn£ q−a
f¡l−h e¡
21z B−hc−el a¡¢l−M jS¤c f−ZÉl f¢lj¡e (V¡L¡) x ...............................................
22z®ce¡c¡l (Receivables) x L) phÑ−j¡V ®ce¡c¡−ll f¢lj¡Z x ....................
M) ¢eu¢ja ®ce¡c¡−ll f¢lj¡e x ............................
(®k pLm ®œ²a¡N−Zl p¡−b ¢eu¢ja hÉhp¡ Qm−R a¡−cl ¢eLV fСfÉ )
23z f¡Je¡c¡l (Payables) x
24z hÉhp¡l öl¦−a ¢h¢e−u¡NL«a j§mde x
25z GZ pwœ²¡¿¹. abÉ (fÐÙ¹¡¢ha hÉhp¡ fТaù¡−el)
L) fТaù¡−el/hÉ¢š²l e¡j (®k fТaù¡e/hÉ¢š² q−a GZ NËqZ Ll¡ q−u−R ) x
M) G−Zl dlZ x............... N) f¢lj¡Z (¢m¢jV) x.................O) haÑj¡e (Outstanding) x
Circular-SME-3
¢hhlZ£ pwk¤š²
26z B−hceL¡l£l AeÉ¡eÉ hÉhp¡/fТaù¡e pwœ²¡¿¹ abÉ (k¢c b¡−L - I¢µRL, h¡dÉa¡j§mL eu ) x
fТaù¡−el e¡j ¢WL¡e¡ hÉhp¡l/LjÑL¡−l
dlZ
h¡vp¢lL Bu
(e£V)
Nªq£a GZ
(fТaù¡−el e¡j
pq )
fÐÙ¹¡¢ha S¡j¡ea
1z jS¤c fZÉ J ¢h¢hd −ce¡c¡l håL (q¡C−f¡¢b−Lne)
2z hÉ¢š²Na S¡j¡ea (pwk¤š² S¡j¡eaL¡l£N−Zl abÉ Ae¤p¡−l)
3z S¢jl/f−Sn−el c¢mm Sj¡ fÐc¡e :j§m cm£m, h¡u¡ cm£m, ¢p.Hp, Bl. Hp, Hp. H fQÑ¡,
¢jE−Vne, p¡CV fÔÉ¡e, DCR , NEC, Valuation, q¡m e¡N¡c M¡Se¡l l¢nc J m¡C−p¾p pj§q (fÐ−k¡SÉ
−r−œ k¢c a¡ NËqe Ll¡ qu) z
4zAeÉ¡eÉ x .........................................................................................
B−hceL¡l£l −O¡oZ¡
B¢j/Bjl¡ HC j−jÑ A‰£L¡l Ll¢R ®k, Ef−l¡š² abÉ¡¢c pÇf§ZÑ paÉ Hhw p¢WL z B¢j/Bjl¡ HC
G−Zl hÉ¡f¡−l l©f¡m£ hÉ¡w−Ll ¢euje£¢a ®j−e Qm−a h¡dÉ b¡Lh z
B−hceL¡l£l ü¡rl (p£m pq ) x....................................................
B−hceL¡l£l e¡j x....................................................
CRO-Hl Hl fÐaÉ¡ue:
fÐaÉ¡ue:
B¢j HC j−Ñj fÐaÉ¡ue Ll¢R ®k, fСb£Ñ LaѪL fÐcš Ef−l¡š² abÉ¡¢c p−lS¢j−e fl£r¡ L−l¢R Hhw a¡ p¢WL j−Ñj fÊaÉ¡ue Ll¢R.
CRO-Hl ü¡rl: .................................................................a¡¢lM: ......................................................
CRO-Hl e¡j : ................................................... fch£:........................®l¢S−øÌpe e¡ð¡l :.........................
−j¡h¡Cm e¡ð¡l :........................................

µwgK
bs
l©f¡m£ hÉ¡wL ¢m¢j−VX
........................n¡M¡
r¥â H¾V¡lfË¡C−Sl pqS / p¤mi GZ fËÙ¹¡h fË¢œ²u¡Ll−Zl ®QL¢mø
(fË−u¡Se£u L¡NSfœ/c¢mm¡¢c/abÉ¡¢c)
GZNËq£a¡l e¡jx a¡¢lMx
¢qp¡h eðlx fТaù¡−el fÐL«¢a: hÉ¢š²j¡¢mL¡e¡d£e Aw¢nc¡l£
G−Zl M¡a: −ph¡ h¡¢e¢SÉ ¢nÒf G−Zl dle: ®ju¡c£ Qm¢a j§mde
G−Zl E−ŸnÉ: G−Zl f¢lj¡e:........................
®ju¡c:.................j¡p p¤−cl q¡l:........................ fТœ²u¡Lle ¢g:....................
Circular-SME-3
mwVK Dˇii cv‡k wUK ( ) w`b
1 kb¡kbi¡−h f¤lZL«a ü¡r¢la hÉ¡w−Ll ¢edÑ¡¢la B−hce f−œl 4 L¢f n¨vu bv cÖ‡hvR¨ b‡n
2 E−cÉ¡š²¡l S¡a£u f¢lQuf−œl paÉ¡¢ua g−V¡L¢f n¨vu bv cÖ‡hvR¨ b‡n
3 üaÄ¡¢dL¡l£l ¢Ve | J iÉ¡V e¡ð¡l h¡ ¢LÓu¡−l¾p p¡¢VÑ¢g−LV (cÖ‡hvR¨ †‡Î) n¨vu bv cÖ‡hvR¨ b‡n
4 −VÊX m¡C−p¾p Ges cÖ‡hvR¨ †‡Î Fb MÖnxZvi e¨emv msµvš— Ab¨vb¨ jvB‡mÝ
h_v WªvM jvB‡mÝ, KxUbvkK jvB‡mÝ, we‡ùviK jvB‡mÝ (†c‡Uªvwjqvg e¨emvi
†‡Î), wVKv`vi jvB‡mÝ MÖnb Kiv n‡q‡Q wK bv ? cÖwkwZ †ckvRxwe‡`i †‡Î
Zv‡`i g~j mvwU©wd‡K‡Ui KwcB h‡_ó| e¨w³gvwjKvbvaxb D‡`¨³vMY Zv‡`i wbR
Avw_©K ev e¨emvwqK cwiKíbv mswß fv‡e †Kvb `vwqZ¡evb (†g¤¦vi/ †Pqvig¨vb/
†M‡R‡UW Awdmvi/ wkK) KZ„©K mg_©b K‡i `vwLj Ki‡jB Pj‡e|
n¨vu bv cÖ‡hvR¨ b‡n
5 ¢p¢V L−f¡Ñ−lne/®f±lpi¡ /CE¢eue f¢lo−cl q¡m e¡N¡c Ll f¢l−n¡−dl l¢nc n¨vu bv cÖ‡hvR¨ b‡n
(cÖ‡hvR¨ †‡Î)
6 −l¢Sø¡XÑ Awn£c¡l£ Q¥¢š²fœ (ea¥e Q¤¢š²f−œl ®r−œ a¡ CRO pÇj¤−M pÇf¡ce
Hhw ¢hcÉj¡e Q¤¢š²f−œl ®r−œ a¡ CRO La«ÑL kb¡bÑa¡ J üµRa¡ ¢e¢ÕQa Ll−a
q−h) J GZNËq−Z Awn£c¡l−cl pÇj¢afœ
n¨vu bv cÖ‡hvR¨ b‡n
7 h£j¡ f¢m¢p n¨vu bv cÖ‡hvR¨ b‡n
8 evsjv‡`k e¨vsK La«ÑL E−cÉ¡š²¡ J fË¢aù¡−el q¡me¡N¡c ¢pBC¢h, KYC glj
J ®œ²¢XV ¢l−f¡VÑ
n¨vu bv cÖ‡hvR¨ b‡n
9 fvovK„Z e¨emv cÖwZôv‡bi Q¥¢š²fœ J †iwfwbD ó¨v¤ú jvMv‡bv fvov cÖ`vb iwk` n¨vu bv cÖ‡hvR¨ b‡n
10 h_vh_ g~‡j¨i ó¨v¤ú mn wWwc †bvU, ‡jUvi Ae Kw›UwbDwUmn Ab¨vb¨ cÖ‡qvRbxq n¨vu bv M„wnZ PvR© dg©
PvR© WKz‡g›U
bs:
11 D‡Ï¨v³v KZ„©K wmj I ¯^vwiZ cÖ‡qvRbxq msL¨K ‡cvó †W‡UW †PK MÖnb Kiv
n‡q‡Q
n¨vu bv cÖ‡hvR¨ b‡n
12 HR¡s¡J Q¡¢qc¡ Ae¤k¡u£ fÐ−u¡Se£u AeÉ¡eÉ L¡NSfœ n¨vu bv cÖ‡hvR¨ b‡n
MÖvnK KZ…©K hvwPZ `wjj/Z_¨vw` `vwLj bv Kiv A_ev Zv †_‡K Ae¨vnwZi wel‡q CRO gš—e¨/ mycvwik:
CRO KZ©„K FY cÖ¯—ve MÖn‡Yi ZvwiL:
CRO g~j¨vqb I cÖwµqvKib †k‡l kvLvq `vwL‡ji ZvwiL:
Aby‡gv`‡bi ZvwiL:
f¢l¢nø f¢l¢nø-N(H)
f¢l¢nø N(H) N(H)
−VÊ¢Lw
−VÊ¢Lw
n¡M¡ LaѪL NËq−Zl
a¡¢lM
....../....../......
pju:
CRO LaѪL NËq−Zl
a¡¢lM
....../....../......
pju:
n¡M¡ hÉhÙÛ¡fL LaѪL
Ae¤−j¡c−el a¡¢lM
....../....../......

µwgK
bs
l©f¡m£ hÉ¡wL ¢m¢j−VX
........................n¡M¡
r¥â J j¡T¡l£ H¾V¡lfË¡C−Sl hÉhp¡u£ / j¡T¡l£ GZ fËÙ¹¡h fË¢œ²u¡Ll−Zl ®QL¢mø
(fË−u¡Se£u L¡NSfœ/c¢mm¡¢c/abÉ¡¢c)
GZNËq£a¡l e¡jx a¡¢lMx
¢qp¡h eðlx fТaù¡−el fÐL«¢a: hÉ¢š²j¡¢mL¡e¡d£e Aw¢nc¡l£ fСC−iV ¢m: ®L¡: S−u¾V −ieQ¡l
G−Zl M¡a: −ph¡ h¡¢e¢SÉ ¢nÒf G−Zl dle: ®ju¡c£ Qm¢a j§mde
G−Zl E−ŸnÉ: G−Zl f¢lj¡e:........................
®ju¡c:.................j¡p p¤−cl q¡l:........................ fТœ²u¡Lle ¢g:....................
Circular-SME-3
mwVK Dˇii cv‡k wUK ( ) w`b
1 fÐ−Sƒ ®fСg¡Cm pq kb¡kbi¡−h f¤lZL«a ü¡r¢la hÉ¡w−Ll ¢edÑ¡¢la B−hce
f−œl 4 L¢f
n¨vu bv cÖ‡hvR¨ b‡n
2 E−cÉ¡š²¡l S¡a£u f¢lQuf−œl paÉ¡¢ua g−V¡L¢f n¨vu bv cÖ‡hvR¨ b‡n
3 üaÄ¡¢dL¡l£l ¢Ve | J iÉ¡V e¡ð¡l h¡ ¢LÓu¡−l¾p p¡¢VÑ¢g−LV (cÖ‡hvR¨ †‡Î) n¨vu bv cÖ‡hvR¨ b‡n
4 −VÊX m¡C−p¾p Ges cÖ‡hvR¨ †‡Î Fb MÖnxZvi e¨emv msµvš— Ab¨vb¨ jvB‡mÝ
h_v WªvM jvB‡mÝ, KxUbvkK jvB‡mÝ, we‡ùviK jvB‡mÝ (†c‡Uªvwjqvg e¨emvi
†‡Î), wVKv`vi jvB‡mÝ MÖnb Kiv n‡q‡Q wK bv ? cÖwkwZ †ckvRxwe‡`i †‡Î
Zv‡`i g~j mvwU©wd‡K‡Ui Kwc
n¨vu bv cÖ‡hvR¨ b‡n
5 ¢p¢V L−f¡Ñ−lne/®f±lpi¡ /CE¢eue f¢lo−cl q¡m e¡N¡c Ll f¢l−n¡−dl l¢nc n¨vu bv cÖ‡hvR¨ b‡n
6 −l¢Sø¡XÑ Awn£c¡l£ Q¥¢š²fœ (ea¥e Q¤¢š²f−œl ®r−œ a¡ CRO pÇj¤−M pÇf¡ce
Hhw ¢hcÉj¡e Q¤¢š²f−œl ®r−œ a¡ CRO La«ÑL kb¡bÑa¡ J üµRa¡ ¢e¢ÕQa Ll−a
q−h) J GZNËq−Z Awn£c¡l−cl pÇj¢afœ
n¨vu bv cÖ‡hvR¨ b‡n
7 h£j¡ f¢m¢p n¨vu bv cÖ‡hvR¨ b‡n
8 evsjv‡`k e¨vsK La«ÑL E−cÉ¡š²¡ J fË¢aù¡−el q¡me¡N¡c ¢pBC¢h, KYC glj
J ®œ²¢XV ¢l−f¡VÑ
n¨vu bv cÖ‡hvR¨ b‡n
9 fvovK„Z e¨emv cÖwZôv‡bi 7Q¥¢š²fœ J †iwfwbD ó¨v¤ú jvMv‡bv fvov cÖ`vb iwk` n¨vu bv cÖ‡hvR¨ b‡n
10 h_vh_ g~‡j¨i ó¨v¤ú mn wWwc †bvU, ‡jUvi Ae Kw›UwbDwUmn Ab¨vb¨ cÖ‡qvRbxq n¨vu bv M„wnZ PvR© dg©
PvR© WKz‡g›U
bs:
11 D‡Ï¨v³v KZ„©K wmj I ¯^vwiZ cÖ‡qvRbxq msL¨K ‡cvó †W‡UW †PK MÖnb Kiv
n‡q‡Q
n¨vu bv cÖ‡hvR¨ b‡n
12 l¡SEL/¢h¢pL/C¢f−SX/AeÉ¡eÉ La«Ñf−rl hl¡Ÿfœ n¨vu bv cÖ‡hvR¨ b‡n
13 GZNËq−Z paÄ¡¢dL¡l£/Aw¢nc¡l/f¢lQ¡me¡ f¢lo−cl ®lS¤−mne n¨vu bv cÖ‡hvR¨ b‡n
14 CL¥C¢Vl Evp pw¢nÔø L¡NSfœ¡¢c J B¢bÑL üµRma¡l pecfœ n¨vu bv cÖ‡hvR¨ b‡n
15 fËÙ¹¡¢ha fËLÒfi¨¢j J Cj¡l−al V¡C−Vm X£X/m£S X£X/h¡ue¡ e¡j¡/ HÉ¡mV−j¾V
®mV¡l
n¨vu bv cÖ‡hvR¨ b‡n
16 fËÙ¹¡¢ha fËLÒf ihe/f¤lh−jÑl j¡ø¡l fÔ¡e/®m BEV/p¡CV fÔÉ¡e fË−k¡SÉ ®r−œ
pw¢nÔø La«Ñf−rl Ae¤−j¡ce pq
n¨vu bv cÖ‡hvR¨ b‡n
17 ®j−j¡−lä¡j Ag H−p¡¢p−une, B¢VÑ−Lmp Ag H−p¡¢p−une n¨vu bv cÖ‡hvR¨ b‡n
18 ¢p¢V L−f¡Ñ−lne/®f±lpi¡/ÙÛ¡e£u La«Ñf−rl ¢eLV q−a ¢nÒf ÙÛ¡f−e n¨vu bv cÖ‡hvR¨ b‡n
19
Ae¤j¢a/Ae¡f¢šfœz f¢l−hn A¢dcç−ll Ae¡f¢š fœ (f¢l−hn c§oZL¡l£
¢nÒf/hÉhp¡l ®r−œ)
fÐÙ¹¡¢ha håL£ pÇf¢šl fÐ−u¡Se£u pLm c¢mmfœ n¨vu bv cÖ‡hvR¨ b‡n
20 −L¡Çf¡e£l hÉhØq¡fe¡ f¢lQ¡mL J HLSe f¢lQ¡m−Ll ü¡r−l fËL−Òfl B¢bÑL
¢hhlZ£/ 3 hR−ll ¢el£¢ra ¢Øq¢a fœ
n¨vu bv cÖ‡hvR¨ b‡n
21 HR¡s¡J Q¡¢qc¡ Ae¤k¡u£ fÐ−u¡Se£u AeÉ¡eÉ L¡NSfœ n¨vu bv cÖ‡hvR¨ b‡n
MÖvnK KZ…©K hvwPZ `wjj/Z_¨vw` `vwLj bv Kiv A_ev Zv †_‡K Ae¨vnwZi wel‡q CRO gš—e¨/ mycvwik:
CRO KZ©„K FY cÖ¯—ve MÖn‡Yi ZvwiL:
CRO g~j¨vqb I cÖwµqvKib †k‡l kvLvq `vwL‡ji ZvwiL:
Aby‡gv`‡bi ZvwiL:
f¢l¢nø f¢l¢nø-N(¢h)
f¢l¢nø f¢l¢nø N(¢h) N(¢h)
−VÊ¢Lw
−VÊ¢Lw
n¡M¡ LaѪL NËq−Zl
a¡¢lM
....../....../......
pju:
CRO LaѪL NËq−Zl
a¡¢lM
....../....../......
pju:
n¡M¡ hÉhÙÛ¡fL LaѪL
Ae¤−j¡c−el a¡¢lM
....../....../......

(To be filled in by the bank )
1. Sales Proceeds:
Grand Total
Circular-SME-3
Season Monthly Sales
Proceeds
Peak
Normal
Dull
f¢l¢nø f¢l¢nø-O(H)
f¢l¢nø O(H)
No. of Months Total Sales
2.Profit & Loss A/C
from........................................................to......................................................................................
Item No. Items In BDT
A Sales
Cost of Goods Sold
1 Raw & Packaging Materials (Manufacturing)
2 Goods Purchased (Trading )
3 Rent (Factory)
4 Wages & Other benefits
5 Freight
6 Cost of Utilities (factory)
7 Repair & Maintenance (Factory machineries & other fixed
assets)
8 Depreciation (Factory machinery & other fixed assets )
9 Other Production/Operating Expenses
10 Other Expenditure
B Total Cost of Goods Sold
C Operating Profit (A.B)
Administrative Expenses
1 Owners’ & Office/Sales Staff Salary
2 Depreciation (Sales Center/ Office fixed assets)
3 Other Administrative Expenses
4 Marketing/Advertising Expenses
5 Non Production Transport
6 Financial Expenses (Interest + Commissions)
7 Insurance Expenses
8 Loan Processing Fee + Other Legal Cost
9 Other Indirect Expenses
D Total Administrative Expenses
E Net Operating Profit (C-D)
(Less) Taxes
F Net Profit
(Less) Withdrawals/Dividends
H Retained Earnings (to B/S)
• (For Loan above 5 lac)

Circular-SME-3
f¢l¢nø f¢l¢nø-O(¢h)
f¢l¢nø O(¢h) O(¢h)
Balance Sheet as of.............................................................................................................................
Sl
Nos
Assets In BDT
1
Current Assets
Cash in Hand
2 Bank Balance
3 Accounts Receivables
4 Advance Payment to Suppliers
Inventory
a. Stock of Raw & Packaging Materials
b. Work.In.Process
c. Stock of Finished Goods
d. Goods in Transport
5 Total Inventory (a + b + c + d )
6 Others
A Total Current Assets ( 1+ 2 + 3 + 4 + 5 + 6 )
Fixed Assets
1 Land/Possession/Advance to Lessor
2 Building
3 (Less) Accumulated Depreciation
4 Net Building (2.3)
5 Machineries, Vehicles & Furniture. fixture
6 (Less) Accumulated Depreciation
7 Net Machineries, Vehicles & Furniture. fixture (5.6)
8 Other Fixed Assets
B Total Fixed Assets ( 1+ 4 + 7 + 8 )
C Total Assets ( A + B )
Liabilities + Owner’s Equity
Current Liabilities
1 Short Term Loan from Bank/Other Financial
Institution/NGO/Other Sources
2 Advance From Buyers
3 Payable to Suppliers
4 Bills Payable (Utilities, Supplies )
5 Other Current Liabilities
A Total Current Liabilities ( 1+ 2 + 3 + 4 + 5 )
Long Term Liabilities
1 Long Term Loan from Bank/Other Financial
Institution/NGO/Other Sources
2 Other Long Term Liabilities
B Total Long Term Liabilities (1 + 2 )
C Total Liabilities ( A + B)
Owners Equity & Net worth
1 Initial Capital/Investment
2 Cumulative Profit Retained
3 Last Year Profit
D Total Net Worth ( 1+ 2 + 3 )
Total Liabilities + Net Worth ( C + D )
• (For loan above 5 lac)

01z e¡j x
02z ¢fa¡/ü¡j£l e¡j x
03z j¡a¡l e¡j x
04z ¢WL¡e¡ x
(L) haÑj¡e x
Circular-SME-3
l©f¡m£ hÉ¡wL ¢m¢j−VX
|||||||||||||||||||||||||||||||||||||||||||||||||||| n¡M¡
E−cÉ¡J²¡/f¢lQ¡m−Ll S£he-hªš¡¿¹
(fË−aÉ−Ll SeÉ Bm¡c¡i¡−h f§le J p¢q L−l Sj¡ ¢c−a q−h)
(öd¤j¡œ hÉhp¡u£ J j¡T¡l£ G−Zl ®r−œ fË−k¡SÉ )
(M) Øq¡u£ x
05z SÇjØq¡e x
06z −Sm¡ x
07z SÇj a¡¢lM x hup |||||||||||||||||||||||||||| hvpl |||||||||||||||||||| j¡p z
08z ¢nr¡Na ®k¡NÉa¡ x
09z L¡¢lNl£ ®k¡NÉa¡ x
10z −fn¡Na ®k¡NÉa¡ (k¢c b¡−L) x
f¢l¢ f¢l¢nø f¢l¢ nø nø- nø PP
P
11z ¢hNa 5 hR−ll j−dÉ GZ pwH²¡¿¹ ®L¡e ®cJu¡e£ j¡jm¡l p¡¢VÑ¢g−LV,®e¡¢Vn Abh¡ ¢mNÉ¡m
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®L¡e ®g±Sc¡l£ j¡jm¡l Bp¡j£ Abh¡ ®c¡o£ p¡hÉÙ¹ q−u b¡L−m a¡l ¢hhlZ z
12z hÉhp¡ J ¢nÒf ¢houL Aa£a A¢i‘a¡ x-
(L) ¢L dl−el hÉhp¡ f¢lQ¡me¡ Ll−Re- hÉhp¡u ¢L f¢lj¡e j§mde ¢e−u¡¢Sa ¢Rm/B−Rz
h¡¢oÑL Ns V¡eÑJi¡l Hhw ¢h¢iæ dl−el La pwMÉL Sen¢J² ¢e−u¡¢Sa ¢Rm/B−R
Hph E−õM f§hÑL a¡ ¢hÙ¹¡¢la hZÑe¡ ¢c−a q−h z
(M) −L¡e ¢nÒf fË¢aù¡e f¢lQ¡me¡ L−l b¡L−m Bfe¡l/Bfe¡−cl Efl A¢fÑa c¡¢u−aÄl
E−õM L−l ¢hÙ¹¡¢la p¡wNW¢eL L¡W¡−j¡l hZÑe¡ ¢c−a q−h z
(N) AeÉ¡eÉ fË¡p¢‰L abÉ ( k¢c b¡−L ) x
−O¡oZ¡
−O¡oZ¡
B¢j/Bjl¡ HC j−jÑ ®O¡oe¡ Ll¢R ®k,B¢j/Bjl¡ h¡wm¡−c−nl ®~hd e¡N¢lL,B¢j/
Bjl¡ e¡h¡mL eC z B¢j ¢e−S h¡ Bj¡l ü¡j£/Øœ£ ®L¡e plL¡l£/Bd¡ plL¡l£/
ü¡uaÄn¡¢pa fË¢aù¡−e Q¡L¥l£la eCz ¢nÒf hÉ¡wL/¢nÒf GZ pwØq¡/l¡øÊ£u j¡¢mL¡e¡d£e
h¡¢e¢SÉL hÉ¡wL La«ÑL AbÑ mNÀ£L«a fËÙ¹¡¢ha h¡ h¡Ù¹h¡¢ua ®L¡e fËL−Òfl p¡−b B¢j/ Bjl¡
S¢sa eC öd¤j¡œ ®O¡¢oa fËLÒf hÉ¢a−l−L z
Bj¡l S¡e¡j−a Ef−l h¢ZÑa ¢hhlZ¡¢c paÉ J p¢WL z B¢j/Bjl¡ HC j−jÑ fËaÉue
Ll¢R ®k,HC B−hcef−œl p¡−b c¡¢MmL«a pj¤cu abÉ/¢hhlZ J c¢mm¡¢c p¢WL J paÉ z
BlJ abÉ J L¡NSfœ hÉ¡w−Ll fË−u¡S−e i¢hoÉ−a c¡¢Mm Ll¡l A‰£L¡l Ll¢R z
Øq¡e x E−cÉ¡J²¡/f¢lQ¡m−Ll ü¡rl
a¡¢lM x e¡j x
R¢h

Circular-SME-3
||||||||||||||||||||||||||||||||||||||||||||||||||| hɡwL
||||||||||||||||||||||||||||||||||||||||||||||||||| n¡M¡
||||||||||||||||||||||||||||||||||||||||||||||||| z
E−cÉ¡J²¡/f¢lQ¡m−Ll E−cÉ¡J²¡/f¢lQ¡m−Ll hÉ¢J²Na hÉ¢J²Na c¡u c¡u J J pÇf−cl pÇf−cl ®O¡oZ¡ ®O¡oZ¡ x
1z e¡j x
2z ¢fa¡l e¡j x
3z j¡a¡l e¡j x
4z ü¡j£/Øœ£l e¡j x
5z Øq¡u£ ¢WL¡e¡ x
6z AØq¡u£ ¢WL¡e¡ x
7z pÇfc xx-
x
AhØq¡e(f§eÑ
¢WL¡e¡)
−j¡V x
(L) i¨¢j x
(M) Cj¡la Cj¡la x
AhØq¡e(f§eÑ
¢WL¡e¡)
−j¡V x
c¡N ew,M¢au¡e ew,
®j±S¡ CaÉ¡¢cl ¢hhlZ
c¡N ew,M¢au¡e ew,
®j±S¡ CaÉ¡¢cl ¢hhlZ
S¢jl
f¢lj¡e
S¢jl
f¢lj¡e/am¡
f¢l¢nø f¢l¢nø- f¢l¢nø f¢l¢nø QQ
Q
j§mÉ c¡uhÜ/c¡uj¤J²
j§mÉ c¡uhÜ/c¡uj¤J²
(N) ¢h¢e−u¡N (pq−k¡N£ fË¢aù¡e ) x
fË¢aù¡−el e¡j hÉhp¡l dle AhØq¡e −nu¡l ( % ) j§mÉ
−j¡V x
(O) AeÉ¡eÉ AeÉ¡eÉ ¢h¢e−u¡N(peÄ·ufœ/hä/Hg¢XBl/®nu¡l ¢h¢e−u¡N(peÄ·ufœ/hä/Hg¢XBl/®nu¡l ¢h¢e−u¡N(peÄ·ufœ/hä/Hg¢XBl/®nu¡l p¡¢VÑ¢g−LV p¡¢VÑ¢g−LV ) ) x
¢hhlZ£ A¢i¢qa j§mÉ haÑj¡e j§mÉ
−j¡V x

(P) eNc aq¢hm J hÉ¡wL ¢Øq¢a x-
Circular-SME-3
(2)
(1) eNc aq¢hm x V¡L¡=
(2) hÉ¡w−Ll ¢Øq¢a x V¡L¡=
(3) −j¡V x V¡L¡=
(Q) AeÉ¡eÉ AeÉ¡eÉ pÇfc pÇfc (N¡s£,Bph¡hfœ,Nqe¡,øL,¢qp¡h (N¡s£,Bph¡hfœ,Nqe¡,øL,¢qp¡h ¢l¢p−ihm ¢l¢p−ihm CaÉ¡¢c) CaÉ¡¢c)
CaÉ¡¢c) x
¢hhle£ j§mÉ
−j¡V x
−j¡V pÇfc x L+M+N+O+P = V¡L¡x
8z c¡u−ce¡ x-
(L) hÉ¡wL B¢bÑL fË¢aù¡−el x
hÉ¡wL J n¡M¡ G−Zl dle GZp£j¡ h−Lu¡ −ju¡cL¡m
−j¡V x
(M) AeÉ¡eÉ AeÉ¡eÉ AeÉ¡eÉ pwØq¡l pwØq¡l pwØq¡l x
−j¡V x
(N) AeÉ¡eÉ fËcš hÉ¢J²Na NÉ¡l¡¢¾V x V¡L¡=
−j¡V c¡u = L+M+N = x V¡L¡ =
e£V Ju¡bÑ x( 7 - 8 ) = x V¡L¡=
¢hhlZ£ h−Lu¡
B¢j ®O¡oZ¡ Ll¢R ®k,Ef−l¡¢õ¢Ma ¢hhlZ£ paÉ J ¢ei¨Ñm
Øq¡e x E−cÉ¡J²¡/f¢lQ¡m−Ll ü¡rlx
a¡¢lM x e¡j x

The Manager
RUPALI BANK LIMITED
................................. Branch
Circular-SME-3
PERSONAL GUARANTEE
f¢l¢nø f¢l¢nø- f¢l¢nø f¢l¢nø RR
R
Dear Sir,
In consideration of your making or continuing advances or otherwise giving or contnuing Credit
or accommodation to ................................................................................................. hereinafter
called the Principal. I/We jointly and severally guarantee to you due repayment within two days
affer demand of all moneys which shall at any time be due to you from the principal in any shape
of form (.................................... ................................................................................ ) exclusive of
interest and charges.
And I/we further agree as under :-
(1) My/ Our liability under this guarantee shall be as that of principal debtor and you may at your
option hold me/us primarily responsible for the principal.
(2) Thid guarantee shall be a continuing security binding on me/us and my/our personal
representatine(s) until receipt from you by me/us any written notice of discontinuance thereof and
notwithstanding such discontinuance or any release or granting of time or other indulgence by you
to any one or more of us,this guarantee shall remain a continuing security as regard the other or
othes. In case of discontinuance by notice,this guarantee shall,nevertheless as to the parties to it,
continue to be ninding on them and their personal representatives in respect of all liabilities of the
Principal up to the limit above mentioned at the date of receipt of such notice,whether certain or
contigent,and also for any credits established for the principal and for all instruments,drown on
you or accepted by you,for the benefit of the principal and puporting to be dated on or before the
date of receipt of the notice,though actually paid or honored offer date.
(3) This guarantee is additional and without prejudice to any other guarantee or securities given
by me/us in respect of any indebtedness covered by this guarantee.You shall not be obliged to
make any claim or demand on the principal or to resort to any other collateral security or other
means of payment now or hereaffter held by or available to it before enforcing this guarantee and
no action taken or omitted by you in cnnection with any such cllateral security or other means of
payment shall discharge,reduce,prejudice or offect my/our liability guarantor(s) under this
guarantee.
(4) this guarantee shall not be discharged or prejudiced by any partial a;yment or by settlement of
accounts or the existence of a credit balance of the principal at any time or by discharge of the
Principal by operation of law or for any other reason.
(5) In respect of any security held by you against the indebtedness hereby guaranteed. I/we shall
not do,or cause to be done, anything that will impair their . Value or in case of any insolvency of
principal or of a co-surety shall not prove in competition unitill all the maney due to you are
repaid.
(6) Your may deal with any dividend,partial payment etc. received in respect of the indebtedness
hereby guaranteed and also with and security held or proceeds there of as you many deem fit soas
to confer on you maximum benefite.
(7) In case of principal or ourselves being a firm,any change in the constttution shall not affect
our liability.
Dated this ............................................... day ............................................... 20 ............................
Signature of the Guarantor ...................................... Signature of the Applicant(s)
Name :
Father’s /Husband’s name :
Mother’s name :
Full address
Present ....................................
Permanent ..................................
Phone ...........................................
Witness :- 1 Witness:- 2
Name : Name :
Signature : Signature :
Address : Address :

The Manager
RUPALI BANK LIMITED
................................. Branch
Dear Sir,
Circular-SME-3
LETTER OF ARRANGEMENT
f¢l¢nø f¢l¢nø- f¢l¢nø f¢l¢nø SS
S
RE ; Loan/C.C(P)/ C.C(H)/ Overdraft/LIM(SME) Shahaj/Baboshahi/Shulov/
Majhari Granted by you in my/our favour for Tk. ..........................
With reference to the above limit granted ................................................ for which I/we
have this executed pro-note and other necessary documents. I/we hereby aceknowledge your right
to cancel the facility at ay time with/wthout intimation to us.
In the event of facility being cancelled by you I/we undertake to pay you all dues together
with all other charges due from me/us immediately on demand.
I/we also acknowledge your right to take legal recourse and initiate legal procedings
against me/us in the event that I/we fail to repay the outstanding liability in full with any
interest,fees or legal charges accured thereon.
Yours faithfully,
Applicant’s signature

The Manager
RUPALI BANK LIMITED
................................. Branch
Dear Sir,
Circular-SME-3
LETTER OF DISBURSEMENT
RE ; Loan for Tk. ..........................
f¢l¢nø f¢l¢nø- f¢l¢nø T
T
Place ......................
Date :
With reference to the above demand loan availed of by me/us today in respect of which
I/we have this day signed a demand promissiory note for Tk. ................................... please
disburse the amount of the loan by crediting the same to ........................................................
Yours faithfully,
Applicant’s signature

hÉ¡w−Ll e¡j x
n¡M¡l e¡j x
j¡−pl e¡j x
p¡m x
G−Zl
dle
r¥â
GZ
j¡T¡¢l
GZ
phÑ−j¡V x
E−cÉ¡J²¡l
dle
f¤l²o
j¢qm¡
Ef−j¡Vx
f¤l²o
j¢qm¡
Ef−j¡Vx
Circular-SME-3
E−cÉ¡J²¡l
pwMÉ¡
HpHjC GZ ¢halZ pÇf¢LÑa j¡¢pL ¢hhlZ£
¢halZL«a GZ
−ph¡ M¡a hÉhp¡ M¡a ¢nÒf M¡a −j¡V
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f¢lj¡e
E−cÉ¡J²¡l
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f¢lj¡e
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f¢lj¡e
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pwMÉ¡
f¢l¢nø f¢l¢nø- f¢l¢nø U
(®L¡¢V V¡L¡u)
¢edÑ¡¢la
mrÉj¡œ¡
G−Zl
f¢lj¡e
mrÉj¡œ¡l p¡−b
¢halZL«a
G−Zl q¡l

Circular-SME-3
f¢l¢nø f¢l¢nø- f¢l¢nø f¢l¢nø VV
V
Cash Flow Statement Figure in Million Tk.
Sl Nos. Items As of.................. As of................. As of....................
1 Inflow of Funds
Previous Year’s Cash + Bank Balance
Current Years Retained Earnings
Depreciation
Amortzations/Provisions
Bank Loan & Others
Difference In Purchase on Credit + All
Other Payables + Liabilities
Sale of Fixed Assets
1.1 Total Cash Inflow
2 Outflow of Funds
Loan Installment (Pricipal)
Difference In Sale on Credit(Receivables)
Purchase of Fixed Assets
Difference In Current Assets(Invectory +
Others)
Any Other Outflow of Cash
2.1 Total Cash Outflow
3 Net Cash Flow(1.1 – 2.1 )

S¡¢jec¡l S¡¢jec¡l pÇf¢LÑa pÇf¢LÑa pÇf¢LÑa abÉ
abÉ
Circular-SME-3
f¡¢lh¡¢lL f¡¢lh¡¢lL S¡¢jec¡l
S¡¢jec¡l
f¢l¢nø f¢l¢nø- f¢l¢nø f¢l¢nø WW
W
S¡¢jec¡−ll e¡j (h¡wm¡u) x ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||| hup/SÇj a¡¢lMx |||||||||||||||||||
(Cw−l¢S−a) x ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
¢fa¡l e¡j(h¡wm¡u)BhnÉL x ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(Cw−l¢S−a) x ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
j¡a¡l e¡j(h¡wm¡u)BhnÉL x ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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haÑj¡e ¢WL¡e¡(¢hÙ¹¡¢la) x ®q¡¢ôw/h¡¢s eðl x ||||||||||||||||||||||||||||||||||||||||||||||||||| psL/NË¡j x |||||||||||||||||||||||||||||||||||||
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S¡¢jec¡l E−cÉ¡J²¡l L£ qe x |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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j¡¢pL ®j¡V Bu x ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||| j¡¢pL ®j¡V hÉu x |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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