Valuation System Circular-2013 - Rupali Bank Limited

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cwigvb(Maximum Credit Limit) n‡e m¤úwËi ZvrwYK weµqg~‡j¨i 75%| †hŠ_/3q c‡i
gvwjKvbvaxb (Co-Sharer Ownership/Third Party) m¤úwËi †‡Î m‡Ÿ©v”P F‡Yi cwigvb
(Maximum Credit Limit) n‡e m¤úwËi ZvrwYK weµqg~‡j¨i 50%z
( P) i§¢jl gvwjKvbv msµvš— KvMRcÎ cixv-wbixv I AvBbRxwei gZvgZ MÖnb K‡i gvwjKvbvi ¯^Z¡
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Valuation System Circular-2013

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(Q) mswk−ó Rwgi phÑ−no S¢l−fl †gŠRv g¨vc msMÖn c~e©K Rwgi `vM b¤¦i mwVK Av‡Q wKbv Zv hvPvB
K‡i Rwg wPwýZ Ki‡Z n‡e| †mB ms‡M GKwU †jv‡Kkb g¨vc ‰Zix Ki‡Z n‡e|
(R) RwgwU Awc©Z m¤úwË (Vested Property), miKviKZ©„K AwaMÖnbK…Z wKbv Zv wbwðZ n‡Z n‡e|
(S) −hŠ_ gvwjKvbvaxb m¤úwË/evox/Bgvi‡Zi ‡‡Î mKj gvwjK KZ©„K eÜK w`‡Z n‡e| AwefvR¨
m¤úwËi AvswkK eÜK MÖnb‡hvM¨ n‡e bv|
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`xN©‡gqv`x jxR †bqv m¤úwËi †‡Î mswk−ó KZ„©c‡i AbygwZ/AbvcwËcÎ MÖnb Ki‡Z n‡e|
(U) Z„Zxq cxq m¤úwË MÖn‡Yi †‡Î A¢dLal mZK©Zv Aej¤¦b Ki‡Z n‡e| G‡‡Î FY MÖnxZvi
mv‡_ m¤úK© Ges eÜK cÖ`v‡bi KviY BZ¨vw` m¤ú‡K© Z„Zxqcxq e¨w³i cÖZ¨qb cÎ MÖnb Ki‡Z
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(V) Avg-‡gv³vibvgv e‡j †fvMK…Z m¤úwË MÖn‡Yi †‡Î A¢dLal mZK©Zv Aej¤¦b Ki‡Z n‡e| eÜK
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Valuation System Circular-2013

Valuation System Circular-2013
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02z 1.00 (GK) ®L¡¢V V¡L¡l E−dÄÑl
G−Zl ‡‡Î g~j¨ ¢edÑ¡lZ fÜ¢a x
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G−Zl f¢lj¡Z ¢e¢hÑ−n−o j§mÉ ¢edÑ¡le L¢j¢V ¢e−jÀ¡š² i¡−h N¢Wa q−h x
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3z fÐ−L±nm£ (`vjvb‡KvVv I †gwkbvix‡Ri †‡Î Avewk¨Kfv‡e )(fÐ−k¡SÉ ®r−œ) pcpÉ
4z pw¢nÔø GZ LjÑLaÑ¡ pcpÉ
mKj g~j¨ wba©vib KwgwU KZ©„K F†Yi wecix‡Z eZ©gvb/cÖ¯—vweZ eÜKx m¤úwËi (i¨¢j, ihe J
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f¡me Ll−hez
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n¡M¡l GZ LjÑLaÑ¡, n¡M¡ fÐd¡e, Ju¡LÑ ®øne fÐd¡e,¢hi¡N£u L¡kÑ¡m−ul Ef-jq¡hÉhÙÛ¡fL(GZ)J
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eZ©gvb/cÖ¯—vweZ eÜKx Rwgi g~j¨ wba©vib Kiv hv‡e |
D‡j−L¨ †h, Ae¯’vbMZ Kvi‡b GKB †gŠRvq Aew¯’Z GKB cÖK…wZi Rwgi g~j¨ Kg/‡ekx n‡Z cv‡i |
ZvB cÖ¯—vweZ eÜKx Rwgi g~j¨ wba©vi‡bi mgq Dc‡i ewY©Z c×wZ mg~n AbymiY Kv‡j mswk−ó Rwgi
Ae¯’vb m‡iRwg‡b hvPvB K‡i wePYZvi mv‡_ mwVK g~j¨ wbiƒcb Ki‡Z n‡e , hv‡Z wba©vwiZ g~j¨ †Kvb
µ‡gB cÖK…Z g~‡j¨i †P‡q †ekx bv nq Ges AwZ g~j¨vqb bv N‡U |
04| `vjvb‡KvVvi g~j¨ wba©vib t
e¨vsK F‡Yi Rb¨ RvgvbZ wnmv‡e eZ©gvb/cÖ¯—vweZ `vjvb‡KvVv - †hgb t cvKv BgviZ, d¬¨vU, Kgvwk©qvj
†¯úm BZ¨vw`i MÖnb‡hvM¨Zv cÖ_‡gB we‡ePbv Ki‡Z n‡e | cÖ`Ë `vjvb‡KvVvi g~j¨ wba©vi‡b wb‡æv³
welq¸‡jv AZ¨š— Ri“ix t
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M) wgDwbwmc¨vj U¨v‡·i cwigvb
N) wbg©v‡bi aib I †kªYx
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P) wbg©vb eQi, Bgvi‡Zi eqm Ges AePq we‡ePbvq wb‡Z n‡e|
Q) iYv‡e‡Yi gvb
R) cvwb, M¨vm, we`¨yZ mn Ab¨vb¨ BDwUwjwU mvwf©‡mi e¨e¯’vw`
D‡j−L¨ `vjvb‡KvVv wnmv‡e cª¯—vweZ Rvgvb‡Zi g~j¨ wba©vi‡bi c~‡e© mswk−ó FY Kg©KZ©v, kvLv e¨eš’vcK I
cÖ‡KŠkjx‡K †hŠ_fv‡e Aek¨B Zv m‡iRwg‡b cwi`k©b Ki‡Z n‡e| miKv‡ii MYc~Z© wefvM KZ„©K 2/3 eQi
Aš—i cÖ¯‘ZK…Z e¨q cÖv°j‡bi Dci wfwË K‡i g~j¨ wba©vib Ki‡Z n‡e |
S) MYc~Z© wefvM KZ„©K g~j¨ wba©vib m~PK t
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T) wc−š’ Gwiqv †iU (PLAR)Gi gva¨‡g wbg©vb e¨q cÖv°j‡bi wfwË t
wewìs/feb wbg©v‡bi e¨q cÖv°j‡bi Rb¨ MYc~Z© wefvM KZ„©K 2011 m‡bi wmwWDj Ad †i‡U wewìs/fe†bi
wfwË/dvD‡Ûk‡bi Av‡jv‡K wewfbœ K¨vUvMwi‡Z wef³ Kiv n‡q‡Q | †hgb-m¨v‡jv dvD‡Ûkb Ges wWc
dvD‡Ûkb | m¨v‡jv dvD‡Ûkb mvavibZ; weªK †gwkbvix dvD‡Ûkb | wWc dvD‡Ûkb mvavibZ RCC
ó«vKPvi mg~‡n e¨enZ nq | wWc dvD‡Ûkb Avevi 3wU K¨vUvMwi‡Z e¨enZ nq| †hgb- i) gvB‡µv cvBj
ii) cvBj dvD‡Ûkb iii) g¨vK dvD‡Ûkb| D³ wewfbœ K¨vUvMwii dvD‡Ûkb wc−š’ Gwiqv †iU (PLAR)
Avevi 1 Zjv n‡Z 36 Zjv fe‡bi wbg©vb e¨‡qi Rb¨ PvU© AvKv‡i cÖKvk Kiv n‡q _v‡K, hv ‡_‡K cÖ¯—vweZ
fe‡bi Rb¨ mwVK wc−š’ Gwiqv †iU wba©vib Ki‡Z n‡e|
U) mycvi ÷«vKPvi wbg©vb e¨q cÖv°j‡bi Rb¨ wewìs / fe‡bi wfwËi cÖK…wZ Abyhvqx g~jZ; 2wU K¨vUvMwi‡Z
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AZGe D³ wewfbœ ai‡bi K¨vUvMwii mycvi ÷«vKPvi wbg©vb e¨‡qi Rb¨ MYc~Z© wefvM KZ„©K 1 Zjv -36
Zjv ch©š— fe‡bi e¨q PvU© Abymib Ki‡Z n‡e| wba©vwiZ nv‡i fe‡bi †gvU AvqZb−L …Z L−l mycvi
÷«vKPv‡ii ®j¡V hÉu ¢ee£Ña q−h z
W) fÐLÒf GZ fÐÙ¹¡h, Qm¢a j§mde, LÉ¡n ®œ²¢XV, Lj¡¢nÑu¡m q¡ES ¢h¢ôw ®m¡e CaÉ¡¢c (AbÑ¡v ®k ®L¡e
dl−el G−Zl ¢hfl£−a S¢j Hhw c¡m¡e−L¡W¡ S¡j¡ea ¢qp¡−h fÐÙ¹¡h Ll−m we‡ePbvKv‡j cÖ¯—vvweZ ¢h¢ôw /
ihe pj§−ql j§mÉ ¢edÑ¡le NZf§aÑ ¢hi¡N LaѪL fÐL¡¢na q¡m p−el ¢p¢XEm Ag ®lVp H E−õ¢Ma pw¢nÔó
¢h¢ôw / ihe LÉ¡V¡N¢ll g¡E−äne J p¤f¡l ØVÌ¡LQ¡−ll ¢ejÑ¡e j§mÉ ¢edÑ¡lZ Ll−a q−h z fÐ−u¡S−e H ®r−œ
ÙÛ¡e£u NZf§aÑ ¢hi¡−Nl fÐ−L±nm£l pq¡ua¡ ®eu¡ ®k−a f¡−lz
X) S¡j¡ea ¢qp¡−h Nªq£ahÉ ¢h¢ôw / ihe pj§−ql ¢ejÑ¡e L¡W¡−j¡l ®Øf¢p¢g−Lne x
RvgvbZ wn‡m‡e wb‡¤œi †h †Kvb ai‡bi ®Øf¢p¢g−Lne MÖnb Kiv hv‡e|
1) f¡L¡ Cj¡la / gÓ¡V / Lj¡¢nÑu¡m ®Øfp x −m¡X ¢hu¡¢lw ¢hÐL Ju¡m g¡E−äne/f¡Cm g¡E−äne/Bl ¢p
¢p g¡E−äne, Bl ¢p ¢p ®NËXh£j / Lm¡j / h£j / ¢m−¾Vm / ¢p¢s, 10”/5” C−Vl N¡yb¤¢e, f¡L¡ R¡c / −j−T,
¢p−j¾V fÔ¡ØV¡l, ®q¡u¡CV / L¡m¡l Ju¡¢nw, clS¡, S¡e¡m¡, EC−ä¡ NË£m CaÉ¡¢c z
2) ØV£m ØVÊ¡LQ¡l ¢h¢ôw x
Bl ¢p ¢p g¡E−äne / f¡Cm g¡E−äne, Bl ¢p ¢p /ØV£m Lm¡j, ØV£−ml h£j, ØV£m VÊ¡p, ®g¢hÐ−L−VX p£−Vl
R¡E¢e, C−Vl / ®g¢hÐ−L−VX p£−Vl ®cu¡m, f¡L¡ ®j−T, clS¡ / S¡e¡m¡ CaÉ¡¢c z
3) AdÑ f¡L¡ Cj¡la x
Bl ¢p ¢p / ¢hÐL g¡E−äne, Bl ¢p ¢p / ¢hÐL Lm¡j, Bl ¢p ¢p ¢m−¾Vm, 10”/5” C−Vl ®cu¡m, ØV£m VÊ¡p,
¢pBC¢pV Q¡m¡, ®j−T f¡L¡, ¢p−j¾V fÔ¡ØV¡l, clS¡ / S¡e¡m¡, NË£m CaÉ¡¢c z
Y) gÓ¡V/Lj¡¢nÑu¡m ®Øf®pl j§mÉ ¢edÑ¡le x
gÓ¡V / Lj¡¢nÑu¡m ®Øf®pl j§mÉ ¢edÑ¡l−el ®r−œ ¢i¢š ¢qp¡−h NZf§aÑ ¢hi¡−Nl wba©vwiZ ®lCV, ®X−imf¡l
®L¡Çf¡e£ ¢lq¡−hl pcpÉ ¢L-e¡ , L¡−Sl …ZNa j¡e,Cj¡l−al Ae¯’vb,pw¢nÔØV Hm¡L¡l HLC j¡−el Ljf−r
3 ¢V ®X−imf¡−ll ¢hœ²£a gÓ¡V / Cj¡l®al ¢hœ²uj§mÉ, pw¢nÔØV Cj¡l−al fÊLªa œ²uj§mÉ/ wWW g~j¨,eZ©gvb
evRvi g~j¨,ZvrwbK weµqg~j¨ BZ¨vw` we‡ePbvq G‡b g~j¨ wba©vib Kiv hv‡e |
05| RvgvbZ wnmv‡e cÖKí t
cÖK‡íi ¯’vei m¤úwË Rvgvb‡Zi Ask we‡kl wnmv‡e MÖnb Kiv ‡h‡Z cv‡i, hw` D³ cÖKí e¨vsK F†Y /
D‡`¨v³vi wbR¯^ A‡_© ¯’vwcZ nq (cÖKí D‡`¨v³v / D‡`¨v³vM‡bi GKwU wbw`©ó cwigv‡bi Askx`vwiZ¡mn)|
cÖK‡íi Rwg I Ab¨vb¨ wbg©vbvw`i g~j¨ wba©vi‡bi mgq pw¢nÔø Dc Aby‡”Q‡` (Aby‡”Q`-1 I 2) ewY©Z
wb‡`©kbv / wbqgvejx AbymiY Ki‡Z n‡e | cÖK‡í `vjvb †KvVv I hš¿cvwZi h‡_vchy³fv‡e g~j¨ wba©viY
Ki‡Z n‡e | †Kvb cÖKí FY gÄyix `v‡bi mgq,e¨vs‡Ki ¯^v_© cy‡ivcywi wbwðZ Kivi j‡¨,cÖK‡íi †gvU
g~j¨,RvgvbZ wnmv‡e cà Ë Ab¨vb¨ ¯’vei m¤úwË,D‡`¨v³vi wbR¯^ wewb‡qv‡Mi cwigvb BZ¨vw` welq¸‡jv
mwVKfv‡e wba©vib Ki‡Z n‡e |
Qmj¡e f¡a¡/5
Valuation System Circular-2013

06| †gwkbvix‡Ri g~j¨ wba©vib t
f¡a¡-5
1) e¨vsK F‡Y µq / Avg`vbxK„Z / Avg`vbxZe¨ †gwkbvixR t
¯’vbxq †gwkbvix‡Ri †‡Î wbf©i‡hvM¨ mieivnKvix / Drcv`bKvix cÖwZôv‡bi wbKU n‡Z `vwLjK…Z
Ges ev¯—eZvi wbwi‡L evRvi `‡ii mv‡_ mvgÄm¨c~Y© / MÖnb‡hvM¨ Zzjbvg~jK 3 wU K¨vk †g‡gv n‡Z
me©wb¤œ g~‡j¨i K¨vk †g‡gv Gi wfwˇZ g~j¨ wba©vib Ki‡Z n‡e| Avg`vbxZe¨ /Avg`vbxK…Z
†gwkbvix‡Ri †‡Î we‡`kx mieivnKvix cÖwZôv‡bi ¯’vbxq G‡R›U / Bb‡W›Ui Gi wbKU n‡Z 3wU
cÖwZ‡hvMxZvg~jK `icÎ n‡Z me©wbæ `ic‡Îi Avg`vbxK„Z / Avg`vbxZe¨ †gwkbvix‡Ri Bbf‡qm g~j¨
Gi wfwˇZ †gwkbvix‡Ri g~j¨ wba©vib Ki‡Z n‡e |
2) e¨vsK F‡Y / D‡`¨v³vi wbR¯^ A‡_© ¯’vwcZ cÖK‡í msM„nxZ / µqK„Z / bZzb †gwkbvixR t
i) ¯’vbxq †gwkbvix‡Ri †‡Î wbf©i‡hvM¨ cÖwZôv‡bi wbKU n‡Z D‡`¨v³v KZ…©K µqK…Z
hš¿cvwZi µq iwk` / K¨vk †g‡gv hv ev¯—eZvi wbix‡L cÖK…Z evRvi `‡ii mv‡_ mvgÄm¨c~Y© Ges
e¨vs‡Ki mš‘ywó mv‡c† MÖnb‡hvM¨ ; Z‡e Gi wecix‡Z m‡e©v”P FYmxgv (Gg,wm,Gj) 50% wba©vib
Ki‡Z n‡e |
ii) we‡`k n‡Z †gwkbvixR Avg`vbxi †‡Î Avg`vbx msµvš¿ hveZxq WKy‡g›Um e¨vs‡K `vwLj
Ki‡Z n‡e Ges e¨vsK KZ…©K cixv-wbixv c~e©K e¨vs‡Ki mš‘wó mv‡c‡ g~j¨ MÖnb‡hvM¨ ; Z‡e Gi
wecix‡Z m‡e©v”P FYmxgv (Gg,wm,Gj) 50% wba©vib Ki‡Z n‡e |
iii) cÖK‡í ¯’vwcZ cyivZb / wi-KwÛkb hš¿cvwZ/‡gwkbvix t e¨vsK A_©vwqZ cÖKímn wbR¯^
D‡`¨v‡M ¯’vwcZ cÖKímg~‡n e¨vsK F‡Y ev D‡`¨v³vi wbR¯^ A‡_© ¯’vbxqfv‡e msM„nxZ / we‡`k n‡Z
mivmwi Avg`vbxK…Z wi-KwÛkb / †m‡KÛ n¨vÛ hš¿cvwZmg~n F‡Yi wecix‡Z wbæewY©Z m‡e©v”P FY
mxgvq RvgvbZ wnmv‡e MÖnb Kiv hv‡e |
• we‡`k n‡Z mivmwi Avg`vbxi †‡Î Gg.wm.Gj n‡e g~‡j¨i 35% |
• ¯’vbxqfv‡e msMª‡ni †‡Î Avš— ©RvwZKfv‡e ¯^xK„Z mv‡f©qvi Øviv wbiƒwcZ g~‡j¨i
Gg.wm.Gj n‡e 35% |
• ‡gwkbvix‡Ri AePq we‡ePbvq Avb‡Z n‡e|
Z‡e D‡j−L¨ †h Dc‡iv³ 1 I 2 bs G ewY©Z †gwkbvix‡Ri Ae¯’v I ¯’vqxZ¡ m¤ú‡K© mswk−ó cÖ‡KŠkjx‡K
mȳ úó gZvgZ cÖ`vb Ki‡Z n‡e hv bw_‡Z msiwZ _vK‡e |
07| `vjvb‡KvVv I †gwkbvixR g~j¨ wba©vi‡bi welqwU AÎ cwic‡Î / B‡¯—nv‡i D‡j−wLZ cÖ‡hvR¨ g~j¨
wba©vib KwgwUi Dci b¨¯— _vK‡e| ‡h †Kvb cwigvb FY Av‡e`‡bi †ejvq RvgvbZ wnmv‡e M„nxZe¨
Rwg, `vjvb‡KvVv I †gwkbvix‡Ri g~j¨ wba©vi‡bi †‡Î mshy³ Òg~j¨ wba©vib cÖwZ‡e`b QKÕÕ
e¨eüZ n‡e| AÎ B‡¯—nvi Rvixi mv‡_ mv‡_ GZ`wel‡q RvixK…Z we`¨gvb cwicÎ evwZj e‡j MY¨
n‡e | G wel‡q †Kvb mskq †`Lv w`‡j cÖavb Kvh©vj‡qi wkí FY wefv‡Mi mv‡_ †hvMv‡hvM Kivi
Rb¨ Aby‡iva Kiv n‡jv |
HC ¢e−cÑn A¢hm−ð L¡kÑLl q−hz
(KvRx †gvt †bqvgZ Dj−¨vn)
gnve¨e¯’vcK
(M¡−m` ®q¡−pe j¢õL)
Ef-jq¡hÉhÙÛ¡fL
mshy³ t g~j¨ wba©viY cÖwZ‡e`b QK|
Valuation System Circular-2013

ÔQKÕ
ÔeZ©gvb/cÖ¯—vweZ Rwg/f~wg, feb I hš¿cvwZi g~j¨ wba©viY cÖwZ‡e`bÕ
ZvwiL.....................
iƒcvjx e¨vsK wjwg‡UW
.......................kvLv, ...................wefvMxq Kvh©vjq
wnmve t .........................................................................
wVKvbv t K) cÖKí / d¨v±ix/e¨emvwqK.....................................
L) Awdm.................................
01| gvwj‡Ki bvg
wcZv/¯^vgx/gvZvi bvg,
RvZxq cwiPq cÎ,
cvm‡cvU©, wUb,
†Uwj‡dvb bs mn
K) eZ©gvb wVKvbv-
L) ¯’vqx wVKvbv
02| RvgvbZ wnmv‡e cÖ¯—vweZ
m¤úwËi eZ©gvb ‡fvM
`LjKvixi weeiY t
03| gvwjKvbvi Drm t
L)µq/‰cwÎK,BRviv,e‡›`ve¯—
`vb,&IqvKd, ‡`‡evËi `vb,ûKzg`LjKvix
BZ¨vw` g~‡j cÖvß Rwgi g~j ¯^Ë¡xq `wjjcÎ
†hgb-g~j `wjj,evqv `wjj,bvgRvix
LwZqvb I cP©vi avivevwnK ch©v‡jvPbv|
M) i) f¢laÉš²/A¢fÑa pÇf¢š ¢Le¡
ii) plL¡l£ ®N−SV fl£r¡ Ll¡ q−u−R
¢Le¡
04| Zdwmj
‡Rjv I
Dc‡Rjv
‡gŠRv LwZqvb bs `vM bs Rwgi
cwigvb
wmGm/GmG/AviGm wmGm/GmG/AviGm
gvV cP©v/wmwU Rwic gvV cP©v/wmwU Rwic
Rwgi cÖK„wZ
‡gvU Rwgi cwigvb =
05| ‡PŠnÏx D³ m¤úwËi Dˇi t
D³ m¤úwËi `w‡b t
D³ m¤úwËi c~‡e© t
D³ m¤úwËi cwð‡g t
Valuation System Circular-2013

06| Ae¯’vb t
(hvZvqvZ
wb‡`©kbv,iƒU
g¨vc mshy³
Ki‡Z n‡e)
kni
evwbwR¨K
kni,AvevwmK,kniZjx,
K¨v›Ub‡g›U Gwiqv,‡gŠRv
I
‡ZŠwR, wmwU
K‡c©v‡ikb/‡cŠimfvi-
†nvwìs bs BZ¨vw`mn|
cj−x
emZevox,dmjx
†gŠRv,‡ZŠwR BZ¨vw`mn|
07| Rwgi cÖK„wZ t DuPy, ga¨g, bxPz, mgZj ,cyKzi, ‡Wvev,
BgviZmn cÖ‡hvR¨ Z_¨vw` |
08| m¤úwËi Dci wbwg©Z m¤ú` t cvKv feb, d¬vU, Kgvwk©qvj †¯úm, ÷xj
÷ªvKPvi, ‡mwg cvKv, KuvPv Ni, Zjvi
msL¨v, AvqZb, Aby‡gvw`Z bKkv(c−¨vb)
BZ¨vw` |
09| m¤úwËi Dci m¤¢ve¨ SuywK mg~n t b`x fv½b,eb¨v,R‡jv”Qvm,Nywb©So cÖebZv,
miKvix ûKzg `Lj BZ¨vw` |
10| `vjvb‡KvVv / fe‡bi ‡‡Î cÖ‡qvRbxq KvMRcÎ I
Z_¨vw` t (Aby‡gvw`Z bKkv,wbg©vb eQi, fe‡bi
cÖK„wZ, evwbwR¨K/AvevwmK,MgbvMg‡bi iv¯—v
(Approach Road) BZ¨vw` |
11| hš¿cvwZi †‡Î cÖ‡qvRbxq KvMRcÎ I
Z_¨vw` t (cÖ¯‘ZKvix †`k,cÖ¯‘‡Zi eQi,bZzb/ wi-
KwÛkb, I cÖdigv Bbf‡q‡mi Kwc,(Bill Of
Entry etc.) ¯’vbxq †gwkbvixi †ejvq-
`icÎ,wej,Pvjvb BZ¨vw`i Kwc)
12 AwfwnZ g~j¨ (Face Value)
[ d¬vU / Bgvi‡Zi †‡Î cÖK…Z µqg~†j¨i wWWg~j¨
I eZ©gvb evRvi g~‡j¨l Mo wb‡Z n‡e ]
(K) Rwgi g~j¨ =
(L) BgviZ / d¬vU =
(M) hš¿cvwZ =
‡gvU =
13| eZ©gvb wbiƒwcZ evRvi g~j¨ (K) Rwgi g~j¨ =
(L) BgviZ / d¬vU =
(M) hš¿cvwZ =
‡gvU =
14| cÖ_g g~j¨vq‡bi eQi
15| ZvrwbK weµqg~j¨ (Forced Sale Value ) (K) Rwgi g~j¨ =
(L) BgviZ / d¬vU =
(M) hš¿cvwZ =
‡gvU =
16| g~j¨ wbiƒcb / cÖv°jbKvix
(KwgwUi bvg m`m¨‡`i
bvgmn)
17| g~j¨ wba©vi‡bi wfwË ( wK (K) mve-‡iwRw÷ª Awd‡m iwÿZ me©wb¤œ †gŠRv †iU Abymv‡i|
Valuation System Circular-2013

c×wZ‡Z / Abymv‡i g~j¨
wba©vib Kiv n‡q‡Q )
(L) mswk−ó ..........g~j¨vqb KwgwUi wbiƒwcZ g~j¨ Abymv‡i|
(M) MYc~Z© wefv‡Mi ..........................m‡bi wba©vwiZ g~j¨ m~PK Abymv‡i |
(N) ‡gwkbvix‡Ri †‡Î B‡¯—nv‡i ewY©Z c×wZ Abymv‡i |
18| e܇Ki eZ©gvb Ae¯’v ( wK ai‡bi eÜK †bqv n‡q‡Q/n‡e
Zvi c~Y© weeiY )
19| m¤úwËi gvwjKvbv I eÜK †bqv m¤ú‡K© e¨vs‡Ki AvBb
Dc‡`óvi gZvgZ ( e¨vsK wba©vwiZ Q‡K MÖnb K‡i Zvi
Abywjwc mshy³ Ki‡Z n‡e )
20| mshy³ `wjj/KvMRcÎvw` t (g~j `wjj / cP©v / LwZqvb /
evqv `wjj / Zj−vvmx mb` / nvj LvRbv iwk` / AvqKi iwk`
/ †cŠiKi iwk` BZ¨vw`|)
21| m¤úwË / m¤ú` eÜK MÖn‡bi c~‡e© Znwmj Awdm I †iwRwóª
Awdm n‡Z Zj−vmx K‡i `wjjv`xi mwVKZv I ï×Zvi wel‡q
gZvgZ ( Non Encumbrance Certificate )
22| mvwe©K gš—e¨ t
23z Avgiv wbæ¯^viKvixMY †hŠ_fv‡e Zdwm‡j ewY©Z RvgvbZ wnmv‡e eZ©gvb I cÖ¯—vweZ Rwg-Rgv /
febvw` `vjvb‡KvVv / hš¿cvwZ BZ¨vw` miRwg‡b cwi`k©b KwiqvwQ Ges cÖwZ‡e`‡b mKj Z_¨vw` mwVK
ewjqv cÖZ¨qb Kwi‡ZwQ|
g~j¨vqbKvixi bvg, wmj‡gvni I ZvwiLmn ¯^vi :
FY Kg©KZ©v
cÖ‡KŠkjx (cÖ‡hvR¨ †‡Î)
kvLv e¨e¯’vcK
IqvK©‡ókb cÖavb/ wefvMxq Kvh©vj‡qi Dcgnve¨e¯’vcK
(FY)
Valuation System Circular-2013