An overview ofPrepared by: Md. Mosarraf Hossainmosarraf_du_fin@yahoo.com

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Bank can use/invest the Wadia deposit with the permission of the depositorThe deposit will be payable to the depositor on demandIn this case, the deposited money is considered as loan to the BankAs a lone, no profit, which is made by using the money, is payable to the lender (Depositor) by the borrower (Bank)

As a lone, the lender (Depositor) does not bear any loss if the Borrower faces loss from investing that money

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Bmjvgx evsKi PjwZ wnmve kixqZi Avj Iqvw`qv bxwZi wfwZ cwiPvwjZ nq|my`wfwK evsKi PjwZ wnmve cwiPvjbvq kixqvi Kvb bxwZ ev cwZ ev weavb AbymiYi ZvKx` ev cqvRbAbyfe Kiv nq bv| G w`K _K `yB evsKi PjwZ wnmei gvS cv_K bxwZ I wbqZi|Avj Iqvw`qv PjwZ wnme RgvKvixi KvQ _K Zvi A_ eenvii c~e AbygwZ bqv nq|my` wfwK evsKi PjwZ wnme RgvKvixi KvQ _K Zvi A_ eenvii AbygwZ bqvi kiqx evaevaKZv Abyfe Kiv nq bv| (webv AbygwZZ Abi MwQZ m` fvM ev eenvi kixqZi `wZ AvgvbZi LqvbZi kvwgj)Avj Iqvw`qv PjwZ wnme Rgv A_ kixqv cwicw Kvb cwZZ ev Kvb nvivg LvZ eenvi Kiv nq bv| evsK G evcvi RgvKvixK wbwZ Ki|my`wfwK evsK PjwZ wnme Rgv A_ my`i wfwZ nvjvj-nvivg wbwekl h Kvb LvZ eenvi Ki|

kixqZi bxwZ Abyhvqx Kviv KvQ Kvb wKQy MwQZ ivLvi GKwU Pvjy cwZ AvgvbZ ev Avj Avgvbvn|Avj Avgvbvn cwZZ AvgvbZ MnYKvix Zvi KvQ MwQZ AvgvbZKvixi A_ ev e eenvi KiZ cvib bv| H m` Kvbic cwieZb ev hvM-weqvM KiZ cvib bv|Bmjvgx evsKi jKvi mvwfm cwiPvwjZ nq Avj Avgvbvn bxwZi wfwZ|

Avj Avgvbvn cwZZ AvgvbZ MnYKvix Zvi KvQ MwQZ AvgvbZKvixi A_ ev e eenvi KiZ cvib bv| H m` Kvbic cwieZb ev hvM-weqvM KiZ cvib bv|wK Avj Iqvw`qv Pzw Abyhvqx Rgv MnYKvix (gyqvv BjvBwn) RgvKvixi (gyqvw) AbygwZ wbq Rgv A_ ev e (gyqvv) eenvi KiZ cvib|

evswKs mevq Bmjvgx evsKi PjwZ wnmve Avj Iqvw`qv cwZZ cwiPvwjZ nq| Aci w`K Bmjvgx evsKi jKvi mvwfm cwiPvwjZ nq Avj Avgvbvn bxwZi wfwZ| Bmjvgx evsK Avj Iqvw`qv PjwZ wnmei UvKv Iqvw`qv Pzwi kZ Abyhvqx eenvi Ki Ges PvIqv gv diZ `q| wK jKvi MwQZ m` h Aevq ivLv nq m Aevq ndvhZ Ki|

gy`vivev njv Askx`vix Kvievii GKwU cwZ| gybvdv ARbi Dk eemv cwiPvjbvi Rb `ywU c gy`vivev bxwZi wfwZ Pzwe nb|GK c (cuywRi gvwjK) g~jab mieivn Kib| ZvK ejv nq mvwneyj gvj|Abc Zvi gav, hvMZv, AwfZv, mvg_ I gnbZi gvag eemv cwiPvjbvi D`vM bb| G Dk wZwbmvwneyj gvji g~jab eenvi Kib| GB D`vv ev eevcK cK ejv nq gy`vwie|

gy`vivev Pywi ewk Abyhvqx mvwneyj gvji `vwqZ A_ hvMvbvi ga mxgve| eemv cwiPvjbvq wZwb Ask bb bv| gy`vwie eemvqi GKRb Uvw I cwZwbwa wnme eemv cwiPvjbv Kib|

evsK Zvi wewf gqv`x wewbqvMi cwiKbv I Pvwn`v weePbvq iL bvbv aibi RgvKvixK AvK Kivi j gy`vivev cwZZ wewf gqv`i Ges wewf aibi wnmve Lvjvi eev ivLZ cvi| mme wnmve mqx, ^ gqv`x, ga gqv`x, `xN gqv`x cfwZ wewf aibi nZ cvi|MvnK`i AvMn I Pvwn`v Ges Ab Kvb KjvYg~jK j mvgb iL wewfboe wgi gvagI Rgv msMn Kiv hZ cvi|

gy`vivev Znwej _K AwRZ Avq evsK I RgvKvixi ga ce~ wbavwiZ AbycvZ eb Kiv nq| hgb Bmjvgx evsK evsjv`k wjwgUW I Zvi gy`vivev RgvKvix`i ga jvf ebi eZgvb AbycvZ njv RgvKvix 65 t evsK 35| eemvq jvKmvb nj mvwneyj gvj Avw_K wZ enb Kib| G gy`vwiei mgq, kg I gavi jvKmvb nq|

Aviex evB I wieb k _K evB gyivevnv cwifvlvwU DZ| evB A_ Kbv-ePv| wieb A_ cviwiK mwZi wfwZ wbavwiZ gybvdv| mnR K_vq evB gyivevnv nQ mZ wbavwiZ gybvdvq weevswKs eemvqi gyivevnv Ggb GK eemvwqK Pzw, hvi Aaxb evsK Zvi MvnKi Abyiva wbavwiZ gvj wKb qg~ji mv_ mZ jvf hvM Ki Zv mB MvnKi KvQ wew Ki| MvnK Pzwi kZvbymvi wbavwiZ mgqi ga `vg kva Ki gvj wbZ eva _vKb|

evswKs gyivevnvq wZbwU c _vK t 1. evsK (A_vqbKvix), 2. weZv (hvi KvQ _K evsK gvj wKb) Ges 3. Zv ev MvnK (hvi KvQ evsK gvj eP)|cYi Kbv `vg I jvfi AsK evsK I MvnK DfqiB Rvbv _vKv gyivevnv cwZi GKwU kZ|cYi cKZ Kbv `vgi mv_ cwienb I AvbylwK LiP hvM Ki bxU q-g~j wbaviY Kiv nq| evsK GB bxU q-g~ji Ici mZ jvf hvM Ki weq-g~j wbaviY Ki|

evsK gvj ivLvi Rb `vg fvov, `vg KgPvix`i eZb, exgvi wcwgqvg BZvw` LiP MvnKi KvQ _K Av`vq Ki|MvnK m~Y `vg kva Ki me gvj GK mv_ wbZ cvib ev wKwZ AvbycvwZK `vg w`q AvswkK gvj wbZ cvib|weq-Pzw KvhKi nIqvi ci kZi Kvb cwieZb Kiv hvq bv|

Aviex evB Ges AvRj k _K evB-gyqvvj cwifvlvwU DZ| evB A_ Kbv-ePv| AvRj A_ wbavwiZ mgq| evB-gyqvvj A_ fwelZ cwikvai kZ cY weq| GwU evKxZ cY weqi Pzw|evB-gyqvvj ejZ evsK KZK gybvdvi Dk MvnKi wbKU evKxZ gvj ePv evSvq| evsK cY wKb Zvi Ici gvwjKvbv wbwZ Kivi ci Pzwi kZ Abyhvqx MvnKK mZ g~j mB cY mieivn Ki| PzwZ cYi aib, gvb, cwigvY, weqg~j, cY mieivni vb I mgq, `vg cwikvai mgqmxgv I cwZ BZvw` mywbw`fve DjL _vK|8

GB cwZZ evsK MvnKi Abyiva Kwl I wki wewfboe DcKiY, fvMcY I gvj wKb Zv MvnKi KvQ evKxZ wew Ki|evsK cY wKb ZvZ gvwjKvbv wbwZ Ki Pzw Abyhvqx MvnKK mZ g~j m cY mieivn Ki|evB-gyqvvj wewbqvM evsK MvnKi KvQ cYi Kbv `vg cKvk KiZ eva bq|

evsK I MvnK Dfq ci mwZg cYi weq-g~j wbavwiZ nq| cYi weq-g~j wbavwiZ nIqvi ci Zv cwieZb Kiv hvq bv|wbavwiZ mgqi ga MvnK cYi `vg kva KiZ e_ nj evsK AwZwi Kvb A_ Av`vq KiZ cvi bv| Ze MvnKi KvQ _K kZvbyhvqx wZc~iY Av`vq KiZ cvi|wZc~iYi A_ evsKi Avqic MY nq bv| kixqv KvDwj KZK Abygvw`Z Kvb RbwnZKi KvR Zv eenvi Kiv nq|

--evB-gyqvvj Pzwi ejvq Gme Z_ Rvbvbv evaZvg~jK bq| ay weq g~j NvlYv KijB Pj|gyivevnv PzwZ cYi Kbv `vg, gybvdv I Abvb LiP Avjv`vfve DjL Kiv Acwinvh|

1. MvnKi KvQ wewi AvMB mswk gvj evsKi gvwjKvbvq I `Lj _vKZ ne| kixqZi weavb Abymvi hv wbRi gvwjKvbvq bB, Zv wew Kiv hvq bv|2. gvj qi ci _K Zvi KvQ nvi Kivi AvM ch mgqi ga gvji nvwiq hvIqv, Pzwi hvIqv, b nIqv BZvw` h Kvb q-wZi `vwqZ evsK (weZv) enb Kie kixqZi `wZ SzuwK enb bv Ki gybvdv Kiv ea bq|

3. MvnKi digvqk Abyhvqx gvj Kbvi hveZxq AvbyvwbKZv cvjbi `vwqZ evsK ev Zvi cw Zwbwai| m cw Zwbwa KvbgB digvqk `vbKvixi Zv ne bv| gvji cwienb I wewi AvM ch msiYi `vwqZ evsKi|4. evB gyqvvj I gyivevnv cwZZ GKevi cYi `vg wVK nj Zv Avi cwieZb Kiv hvq bv| evsKi cvIbv cwikva Zv `ix Kij AwZwi mgqi jvfi nvi ev `vg evovbv hve bv|

Aviex evB A_ Kbv-ePv| mvjvg A_ AvMvg| evB mvjvg njv AvMvg Kbv-ePv|evB-mvjvg Ggb GK eemvwqK Pzw hvi AvIZvq AvMvgx Kvb wbavwiZ mgqi ga cY mieivni kZ evsK gvji `vg AvMvg cwikva Ki| wbw` mgq evsK MvnKi KvQ _K cY mieivn wbq Zv h Kvb ew ev cw Zvbi KvQ ePZ cvi|9

1. G cwZZ evsK mvaviYZ Kwl I wk cY AvMvg wKb|2. G cwZZ evsK nQ Zv Ges MvnK G weZv|3. evsK G aibi Pzw mv`bi ci MvnKK gvji AvMvg g~j eve` A_ (mvjvg g~jab) hvMvb `q|4. Pzwi mgq evsK I MvnKi mwZi wfwZ cYi `vg wVK Kiv nq|5. Pzwi mgq cYi gvb, kYx, cwigvY, mieivni mgq, vb I aib wi Kiv nq|

6. Pzw Abyhvqx MvnK fwelZ wbw` mgq cY mieivn Kib|7. cY mieivn KiZ e_ nj weZv AvMvg bqv `vg diZ `eb|8. evsK wbw` mgq MvnKi KvQ _K cY mieivn wbq Zv h Kvb ew ev cw Zvbi KvQ ePZ cvi|9. evsK mgq gZv h_vh_ cYi mieivn wbwZ Kivi Rb MvnKi KvQ _K mnvqK RvgvbZ wbZ cvi|

BmwZmbv njv Zv I weZvi ga GKwU Pzw| G Pzw Abyhvqx Zvi wb`k weZv Kvb e Zix Ki `qvi AxKvi Kib|

Kvb ew ev cwZvb Zvi Pvwn`v gZv Kvb `e wbavwiZ `vgi wewbgq Zix Ki w`Z Kvb KvwiMi ev KviLvbv-gvwjKi wbKU cve Kij Ges KvwiMi ev gvwjK H cve ivhx nj BmwZmbv Pzw mvw`Z nq|G Av`k`vZvK ejv nq gymZvmwb| Av`k MnxZv njb mvb| Av`ki gvag Zwi Kiv cYK ejv nq gvmby|

1. BmwZmbv Pwz Z cYi I mywbw` weeiY _vKZ ne| cYi aib, kY x, cwigvY I ewk PzwZ DjL Kiv Riix| Gi dj cieZxZ Kvb fyj eySveywS ev weev` Govbv hve|2. PzwZ mZ `vg DjL KiZ ne| `vg KLb wKfve cwikva ne ZvI PzwZ DjL _vKe|3. cY KLb, Kv_vq, Kvi LiP mieivn Kiv ne Zvi DjL PzwZ _vKZ ne|4. cMY ivhx nj weZvK cYi AvswkK ev ciy v `vg AvMvg `qv hZ cvi A_ev evwK ivLv hZ cvi|

5. BmwZmbv PzwZ gvj mieivni mgqmxgv wbaviY Riix bq| gqv` wbaviY bv KiI BmwZmbv Pzw Kiv hvq| Ze weiva Govbvi Rb evsKi gqv` wbavwiZ Kiv fvjv|6. Pzw mvw`Z nIqvi ci cYi cY~ ev AvswkK `vg kva nIqvi ci Kvb c GKKfve Pzw evwZj ev cZvnvi KiZ cvieb bv|7. Kvb c BQvKZ Pzw f Kij `vwq ci Ici wbw` Rwigvbv Avivc Kiv hve| Gic kZ BmwZmbv PzwZ ivLv hve|8. mgKvjxb dKxnMYi gZ BmwZmbvi AvivwcZ wZc~iY evsKi ea Avqic weewPZ ne|

Ggwb wKQy cv_K mZI Kvb Kvb dKxn evB-BmwZmbvK evB-mvjvg Pzwi mcmvwiZ ic ej gb Kib|

-evB-mvjvg ev AvMvg qi fwelZ cY mieivn Kiv nq| cYi `vg Pzwi mgq kva KiZ nq|BmwZmbvi cYi AvswkK ev ciy v `vg AvMvg wKsev cY mieivni mgq kva Kiv hvq|evB-mvjvg mvaviYZ: KwlcY AvMvg Kbvi Pzw|BmwZmbvi mK wk-cYi Drcv`b ev wbgvYi mv_| Kvb Kvb Bmjvgx evsK cvlvK wki cvK-idZvbx KvR A_vqbi ejvq BmwZmbv cwZ AbymiY Kib|

gy`vivev cwifvlvwU Aviex `vie k nZ DZ| G ki GKwU A_ gY ev mdi Kiv| gy`vivev ejZ eemvi Rb mdi|gy`vivev GK aibi Askx`vwi Pzw|

gy`vivev Kvievi `ywU c _vKb| GK c g~jab mieivn Kib| Ab c Zvi mgq, gnbZ, gav, AwfZv I `Zv KvR jvMvb| g~jab mieivnKvixK ejv nq mvwneyj gvj| mgq, gnbZ, AwfZv I `Zv wewbqvMKvix njb gy`vwie

mvwneyj gvj G Pzw Abyhvqx gy`vwieK Zvi `Zv, AwfZv, gnbZ I Pvi gvag eemv Pvjvbvi Rb cuywR mieivn Kib| jvf nj PzwZ DwLZ AbycvZ Abymvi Zviv jvfi fvwM`vi nb| jvKmvb nj Avw_K wZ Znwej mieivnKvix A_vr mvwneyj gvj enb Kib| gy`vwie GB jvKmvbx Kvievi `qv mgq, gnbZ I `Zvi wewbgq ev dvq`v _K ewZ nb|

gy`vivev Pzwi kZ Abymvi evsK g~jab hvMvq| Abc ^wbqvwRZ D`vv Zvi `Zv, AwfZv, gnbZ, wbqvwRZ Kib| evsK mvwneyj gvj wnme g~jab hvMvq| gy`vwie m cuywR eemvq LvUvb| Pzwi kZ Abyhvqx evsK I D`vvi ga gybvdv fvM nq| eemvq AwbQvKZ jvKmvb nj Avw_K jvKmvb mvwneyj gvj wnme evsK enb Ki|

1. evsK mvwneyj gvj wnme g~jab hvMvq Ges ^wbqvwRZ D`vv ev MvnK gy`vwie wnme m g~jab eemvq LvUvb|2. eemv cwiPvjbv Kib MvnK ev gy`vwie|3. evsK mvwneyj gvj wnme eevcbvq Ask bq bv| Ze eemvqi Z`viwK Ges civgk I Dc`k w`Z cvi|4. eemvqi jvf Pzwi kZ Abyhvqx evsK I D`vvi ga fvM nq|5. Pzwi kZ cvjb wbwZ KiZ evsK MvnKi KvQ _K cvidig MvivwU wbZ cvi|6. g~jabi cKZ jvKmvbi `vwqZ mvwneyj gvj wnme evsK enb Ki|

7. D`vv (gy`vwie) ev Zvui KgPvix ev cwZwbwai kZ jsNb, Aenjv, A` eevcbv, Aeev ev wekvm fi KviY eemvq jvKmvb nj evsK D`vvi KvQ _K bvh wZc~iY Av`vq KiZ cvi|8. evsKi AbygwZ Qvov D`vv Ab Kvb Drm _K eemvqi g~jab wbZ cvib bv| wbj Zv D`vvi ewMZ FY ej MY ne|9. gy`vwie Kvievi _K gybvdvi wbavwiZ Aski AwZwi Kvb cvwikwgK ev fvZv wKsev wbR^ Kvb LiP wbZ cvib bv| Ze Kvievi cwiPvjbvi KvR ^vfvweK I Acwinvh LiP wbZ cvib|10. Pzwi gqv` kl jvf-jvKmvb wnmve P~ov Ki Kvievi mgv KiZ nq|

gykvivKv cwifvlvwU Aviex wkiKvZ ev kixKvZ (wki&K) k nZ DZ| AviexZ wkiKvZ ev kixKvZ ejZ Askx`vwiZ eySvq| Bmjvgx evswKs cwifvlvq GK wekl Askx`vix KvievigykvivKv Pzwi Aaxb evsK g~jabi GKwU Ask hvMvb `q| evKx Ask hvMvb `b MvnK| eemvqi gybvdv ebi AbycvZ evsK I MvnKi ga Pzwi wfwZ wbavwiZ nq| gykvivKv Kvievi jvKmvb nj evsK I MvnK g~jabi AvbycvwZK nvi Zv enb Kib|

1. GwU GKwU h_ g~jabx Kvievi| Kvievi cqvRbxq g~jab hvMvq MvnK I evsK| gvU cyuwRi GKwU Ask MvnK hvMvb Ges Aci Ask `q evsK| Dfqi cyuwR mgvb A_ev Kg-ekx nZ cvi|. Kvb cK ev eemvq MvnK I evsKi g~jabi wnmv ev cwigvY PzwZ DjL Kiv nq|3. Pzwi kZ Abyhvqx eemvqi jvf MvnK I evsKi ga fvM nq|4. eemvqi cKZ jvKmvb evsK I MvnK Zv`i g~jab AbycvZ enb Kib|5. gykvivKv cK Kvb Askx`viK P~ov wnmei AvM Abygvbi wfwZ AvMvg jvf `qv hve| Ze AvMvg `qv jvf wnmve P~ov nIqvi ci cKZ jvf-wZi mv_ mg^q KiZ ne|6. Aeevcbv, PzwfsM, wekvmfsM BZvw` KviY jvKmvb nj `vqx cK Zv enb KiZ nq|

7. evsK gykvivKv PzwZ h Kvb hwy msMZ kZ Avivc KiZ cvi| hgb, Kvb MvnK evsKi Abygv`b Qvov Kvb cY jvKmvb ePZ cvieb bv|8. MvnK h_vh_ wnmve msiY Kieb| evsK wbR A_ev gbvbxZ wbixK w`q GB wnmve cwi`kb I wbixY KiZ cvi|9. G aibi wewbqvM mvaviYZ Z`viwKwfwK nq| wbqwgZ I myz Z`viwKi Afve gykvivKv wewbqvM e_ nZ cvi|

gy`vivevi mvwneyj gvj g~jab mieivn Kib Ges gy`vwie Znweji eevcK wnme KvR Kib|gykvivKvi Pzwfy mKj c g~jab MVb Ask bb|gy`vivev cwZZ mvwneyj gvj eemv cwiPvjbvq Ask bb bv|gykvivKv cwZZ Askx`viMY mKjBeemv cwiPvjbvq Ask wbZ cvib A_ev mKji c wKQy Askx`vi Kvievi cwiPvjbv KiZ cvib|gy`vivev cwZZ cyuwRi jvKmvb mvwneyj gvj enb Kib|gykvivKv cwZZ cuywRi wZ g~jabiAvbycvwZK nvi mKj Askx`viK enb KiZ nq|

Thank you!