Bangladesh Bank SFD Circular No. 01: Green Transformation Fund for Rural and Local Entrepreneurs

c„ôv bs-1 ‡dvbt 88-02-9550448, 9554896, AvBwct 88-02-55665001-6, d¨v·t 88-02-9530479, www.bb.org.bd evsjv‡k e¨vsK (‡m›Uªvj e¨vsK Ae evsjv‡k) cÖavb Kvh©vjq gwZwSj, XvKv-1000 evsjv‡k e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v evsjv‡‡k Kvh©iZ mKj Zdwmjx e¨vsK wcÖq g‡nvq, MÖvgxY Ges ¯’vbxq wkíLv‡Zi Rb¨ Green Transformation Fund n‡Z cybt A_©vqb myweav cÖvb cÖms‡M| evsjv‡k e¨vsK KZ©„K †‡k cwi‡ekevÜe I †UKmB A_©bxwZ cÖwZôvK‡í ißvwb Ges DrcvbgyLx wkíLv‡Z †UKmB cÖe„w× Zivwš^Z Kivi Rb¨ 5000 (cuvP nvRvi) †KvwU UvKvi (AveZ©bkxj) wMÖb UªvÝd‡g©kb dvÛ (GTF) MVb Kiv nq| G Znwej n‡Z †hvM¨ MÖvnK‡i g~jabx hš¿vw I hš¿vs‡ki Avgvwbg~j¨ cwi‡kva cieZx© e¨vs‡Ki A_©vq‡bi wecix‡Z †kxq gyªvq (UvKv) cybt A_©vqb myweav we¨gvb i‡q‡Q| ißvwb Ges DrcvbgyLx wkíLv‡Z †UKmB cÖe„w× wbwð‡Zi mv‡_ mv‡_ MÖvgxY Ges ¯’vbxq wk‡íi Sustainability wbwðZ Kiv cÖ‡qvRb| G j‡ÿ¨ D³ 5000 (cuvP nvRvi) †KvwU UvKv n‡Z 1000 (GK nvRvi) †KvwU UvKv †KejgvÎ MÖvgxY I ¯’vbxq wk‡í cybt A_©vqb myweav cÖ`v‡bi wm×všÍ M„nxZ nq| G msµvšÍ bxwZgvjv wb¤œiƒc:

1. Znwe‡ji AvKvi: 1000 (GK nvRvi) †KvwU UvKv (AveZ©bkxj)|
2. Znwe‡ji Drm: evsjv‡`k e¨vs‡Ki wbR¯^ Drm|
3. cybt A_©vqb myweavi †gqv`Kvj: 2-5 eQi (cÖK‡íi aib Abyhvqx)|
4. Znwej MV‡bi D‡Ïk¨: wb¤œwjwLZ D‡¨vMmg~‡ni AvIZvq MÖvgxY Ges ¯’vbxq wkíLv‡Z cÖPwjZ/cwi‡ekevÜe g~jabx hš¿vw I hš¿vs‡ki µq mnRxKiY: K. bevqb‡hvM¨ kw³ (Renewable energy); L. kw³ ÿZv (Energy efficiency); M. cvwb msiÿY I e¨e¯’vcbv (Water conservation and management); N. eR©¨ e¨e¯’vcbv (Waste management); O. m¤ú e¨env‡i ÿZv I cybe©¨envi (Resource efficiency and recycling); P. Kg© cwi‡ek Dbœqb D‡¨vM (Work environment improvement initiatives); Q. mgq mgq evsjv‡k e¨vsK KZ©„K wb‡©wkZ Ab¨vb¨ †ÿÎ (Other areas as indicated by Bangladesh Bank from time to time)|
5. AskMÖnYKvix Avw_©K cÖwZôvb (Participating Financial Institution-PFI): G Znwe‡ji AvIZvq cybt A_©vqb myweav cÖvwßi Rb¨ AvMÖnx e¨vsKmg~n‡K evsjv‡k e¨vs‡Ki (cwiPvjK, mvm‡UB‡bej dvBb¨vÝ wWcvU©‡g›U, evsjv‡k e¨vsK, cÖavb Kvh©vjq, XvKv) mv‡_ GKwU AskMÖnY Pzw³ (Participation Agreement-PA) m¤úvb Ki‡Z n‡e| G AskMÖnY Pzw³‡Z Ave× e¨vsKmg~n Participating Financial Institution ev PFI wn‡m‡e MY¨ n‡e| G Znwe‡ji AvIZvq evsjv‡k e¨vsK KZ©„K mgq mgq RvwiK…Z mvK©yjvi/mvK©yjvi †jUv‡ii gva¨‡g ewY©Z wb‡`©kbvmg~n PFI-†K cwicvjb Ki‡Z n‡e| Z‡e BZg‡a¨ Green ZvwiL: 11 ‡g 2026 28 ‣ekvL 1433 mvm‡UB‡bej dvBb¨vÝ wWcvU©‡g›U GmGdwW mvKz©jvi bs-01

c„ôv bs-2 ‡dvbt 88-02-9550448, 9554896, AvBwct 88-02-55665001-6, d¨v·t 88-02-9530479, www.bb.org.bd Transformation Fund-Gi AskMÖnY Pzw³ (Participation Agreement-PA) m¤úvbKvix e¨vsKmg~‡ni bZzb Pzw³ m¤úv‡bi cÖ‡qvRb †bB| 6. my/gybvdvi-nvi KvVv‡gv: 6.1) evsjv‡k e¨vsK KZ©„K PFI n‡Z Avvq‡hvM¨ my/gybvdvi nvi 1% Ges 6.2) MÖvnK ch©v‡q my/gybvdvi nvi n‡e m‡e©v”P 5%| 7.cybt A_©vqb myweavi aib: †gqvx FY/wewb‡qvM (Term loan/investment) A_ev PjwZ I †gqvx F‡Yi mgš^q (Product Mix) | 8.†MÖm wcwiqW: PFI I MÖvnK m¤ú‡K©i wfwˇZ †MÖm wcwiqW n‡e m‡e©v”P 06 (Qq) gvm| 9. MÖvnK ch©v‡q cybt A_©vqb myweav cÖvwßi †hvM¨Zv: 9.1) 4 bs Aby‡”Q‡ ewY©Z D‡¨vMmg~‡ni AvIZvq cÖPwjZ/cwi‡ekevÜe g~jabx hš¿vw I hš¿vs‡ki Avgvwbg~j¨ cwi‡kva cieZx© e¨vs‡Ki A_©vqb A_ev ¯’vbxqfv‡e DrcvwZ hš¿vw I hš¿vsk µq Kivi wecix‡Z G Znwej n‡Z cybt A_©vqb myweav cÖvb‡hvM¨ n‡e; 9.2) G Znwe‡ji AvIZvq GKRb FY MÖwnZvi FY/wewb‡qvM-g~jab AbycvZ n‡e ‡gvU Avgvwb/µqg~‡j¨i m‡e©v”P 80 t 20| Z‡e †Kvb GKK FYMÖwnZv G Znwe‡ji AvIZvq †Kvbfv‡eB 5.00(cuvP) †KvwU UvKvi AwaK FY myweav cÖvc¨ n‡e bv; 9.3) G Znwe‡ji AvIZvq cybt A_©vqb myweav cÖvwßi †ÿ‡Î mswkøó cÖK‡íi †gvU e¨eüZ we¨~‡Zi b~¨bZg k kZvsk(10%) bevqb‡hvM¨ R¡vjvbx n‡Z msM„nxZ n‡Z n‡e| 9.4) ‡Ljvcx FYMÖwnZvMY cybt A_©vqb myweavi Rb¨ we‡eP¨ n‡e bv| PFI KZ©„K cybt A_©vqb myweavi Av‡eb Kivi c~‡e© mswkøó MÖvnK I Zvi ¯^v_© mswkøó cÖwZôvbmg~‡ni nvjbvMv CIB wi‡cvU© msMÖn Ges MÖvnK FY †Ljvcx bq g‡g© wbwðZ n‡Z n‡e Ges 9.5) h_vh_ due diligence m¤úbœ Ki‡Z n‡e| 10. PFI ch©v‡q cybt A_©vqb cÖvwßi †hvM¨Zv: 10.1) mKj ivóªgvwjKvbvaxb e¨vsK Av‡jvP¨ cybt A_©vqb myweavi AvIZvq FY cÖvb Ki‡Z cvi‡e; 10.2) ‡emiKvix Ges we‡kx e¨vsKmg~‡ni †ÿ‡Î ‡kÖwYK…Z FY/wewb‡qvM (Classified Loan) Gi nvi 20% Gi Kg n‡Z n‡e; 10.3) GKK MÖvnK ev †Mvôxi †ÿ‡Î FY/wewb‡qvM myweavi m‡e©v”P mxgv msµvšÍ e¨vsK †Kv¤úvbx AvBb, 1991 Gi wb‡©kbvmn evsjv‡k e¨vs‡Ki RvwiK…Z weAviwcwW mvK©yjvi bs:1/2022-G ewY©Z wb‡©kbvmg~n AbymiY Ki‡Z n‡e Ges 10.4) evsjv‡k e¨vsK KZ©„K mgq mgq RvwiK…Z SuywK e¨e¯’vcbv msµvšÍ mKj bxwZgvjvi cwicvjb wbwðZ Ki‡Z n‡e| 11. wkwWDj Ae Pv‡R©m: G cybt A_©vqb Znwe‡ji AvIZvq cÖË F‡Yi wecix‡Z wd/PvR© wba©vi‡Yi †ÿ‡Î ÒwmwWDj Ae Pv‡R©mÓ msµvšÍ wel‡q Zdwmwj e¨vsKmg~‡ni Rb¨ evsjv‡k e¨vs‡Ki e¨vswKs cÖwewa I bxwZ wefvM KZ©„K 10 Ryb 2021 Zvwi‡L RvwiK…Z mvK©yjv‡i ewY©Z wb‡©kbvmn mgq mgq RvwiK…Z mvK©yjvi/mvK©yjvi †jUv‡ii wb‡©kbv cÖ‡hvR¨ n‡e| 12. vwjwjK †PKwj÷: 12.1) evsjv‡k e¨vs‡Ki wbKU cybt A_©vq‡bi Rb¨ Av‡ebKv‡j mswkøó e¨vsK KZ©„K wb‡¤œv³ wjjvw vwLj Ki‡Z n‡e: K. cybt A_©vqb myweavi AvIZvq FY/wewb‡qvM MÖnY wel‡q MÖvn‡Ki cÎ; L. MÖvn‡Ki nvjbvMv CIB wi‡cvU©;

c„ôv bs-3 ‡dvbt 88-02-9550448, 9554896, AvBwct 88-02-55665001-6, d¨v·t 88-02-9530479, www.bb.org.bd M. G Znwej n‡Z cybt A_©vqb myweav MÖn‡Yi wbwgË MÖvn‡Ki AbyK~‡j mswkøó e¨vs‡Ki cwiPvjbv cl©‡i gÄyixc‡Îi Kwc; N. MÖvnK I mswkøó cÖK‡íi †cÖvdvBj; O. FY/wewb‡qvM wnmv‡ei nvjbvMv weeiYx Ges 12.2) cybt A_©vqb myweav cÖvwßi j‡ÿ¨ cybt A_©vqb Aby‡gv‡bi ci PFI KZ©„K cÖwZôv‡bi e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v KZ©„K ¯^vÿwiZ Demand Promissory Note, Letter of Continuity Ges Letter of Debit Authority vwLj Ki‡Z n‡e| 13. cybt A_©vq‡bi Av‡eb cÖwµqv: 13.1) PFI KZ©„K e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v A_ev Zuvi g‡bvbxZ GK ¯Íi wb‡Pi Kg©KZ©vi ¯^vÿwiZ Av‡ebcÎ Ges 12 bs Aby‡”Q‡ewY©Zwjjvw mnKv‡i cwiPvjK, mvm‡UB‡bej dvBb¨vÝ wWcvU©‡g›U, evsjv‡k e¨vsK, cÖavb Kvh©vjq, XvKv eivei vwLj Ki‡Z n‡e; 13.2) cybt A_©vqb myweav Aby‡gv‡bi c~‡e© mvm‡UB‡bej dvBb¨vÝ wWcvU©‡g›U KZ©„K mswkøó cÖKí cÖvK-cwik©b Kiv n‡e| D³ cwik©b cÖwZ‡eb, vwLjK…Z Av‡eb I Zmswkøó wjjvw ch©v‡jvPbv mv‡c‡ÿ cybt A_©vqb myweavi mxgv wba©viY Kiv n‡e| 14. cybt A_©vqb Avvq cÖwµqv: 14.1) cybt A_©vqbK…Z A_© •ÎgvwmK wfwˇZ wbw©ó cwi‡kvam~wP Abyhvqx PFI n‡Z Avvq‡hvM¨ n‡e; 14.2) cwi‡kvam~wP Abyhvqx wba©vwiZ Zvwi‡L cwi‡kva‡hvM¨ wKw¯Í my/gybvdvmn evsjv‡k e¨vs‡K iwÿZ mswkøó PFI Gi PjwZ wnmve n‡Z KZ©b K‡i †bqv n‡e; 14.3) cybt A_©vqb myweav MÖnYKvix MÖvnK Aby‡gvwZ mg‡qi †Kvb gyn~‡Z© weiƒcgv‡b †kÖYxK…Z n‡j mswkøó PFI-‡K AewnZKiY e¨wZ‡i‡K Zvi PjwZ wnmve n‡Z Aewkó Avmj GKKvjxb KZ©b K‡i †bqv n‡e Ges 14.4) cwi‡kvam~wP Abyhvqx wba©vwiZ Zvwi‡L PFI mg~n‡K evsjv‡k e¨vs‡K iwÿZ Zv‡i PjwZ wnmv‡e ch©vß Znwej/w¯’wZ msiÿY Ki‡Z n‡e| cybt A_©vqb myweavi wKw¯Í AvvqKv‡j PFI mg~‡ni PjwZ wnmv‡e Znwej/w¯’wZ Ach©vßZvi Kvi‡Y e‡Kqv/wKw¯Í Avvq Kiv m¤¢e bv n‡j, Avvq‡hvM¨ A_© cybt A_©vqbKv‡j Av‡ivwcZ my/gybvdvi nvi A‡cÿv 3% AwaK nv‡i AwZwi³ mg‡qi Rb¨ my/gybvdvmn Znwej/w¯’wZ ch©vßZv mv‡c‡ÿ Avvq Kiv n‡e| 15. wi‡cvwU©s I gwbUwis: 15.1) PFI mg~n‡K cybt A_©vqb eve M„wnZ A‡_©i nvjbvMv weeiYx ms‡hvwRZ QK Abyhvqx (•ÎgvwmK wfwˇZ Ges e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v KZ©„K ¯^vÿwiZ diIqvwW©s †jUvimn) •Îgvm A‡šÍ cieZx© 15 (c‡b‡iv) w‡bi g‡a¨ cwiPvjK, mvm‡UB‡bej dvBb¨vÝ wWcvU©‡g›U, evsjv‡k e¨vsK, cÖavb Kvh©vjq, XvKv eive‡i vwLj Ki‡Z n‡e| AskMÖnY Pzw³ (PA) m¤úvbKvix †h mKj PFI cybt A_©vqb myweav MÖnY K‡iwb Zviv k~b¨ weeiYx vwLj Ki‡e; 15.2) cybt A_©vqb myweav MÖnY Kivi ci PFI KZ©„K †Kv‡bv fzj Z_¨ cÖvb Kiv n‡j A_ev h_vmg‡q •ÎgvwmK weeiYx vwLj Ki‡Z e¨_© n‡j evsjv‡k e¨vsK KZ©„K wbw©ó nv‡i Rwigvbv Av‡ivc Kiv n‡e| 16. Ab¨vb¨ kZ©vw: 16.1) FY/wewb‡qvM MÖwnZv wbe©vPb, FY/wewb‡qvM myweav gÄyi I weZiY, FY/wewb‡qvM mswkøó wjjvw m¤úvb, FY/wewb‡qv‡Mi A‡_©i mبenvi I FY/wewb‡qvM cieZx© ZviwKi e¨vcv‡i e¨vsKmg~n Zv‡i SuywK e¨e¯’vcbv bxwZgvjv I mvm‡UB‡bej dvBb¨vÝ wWcvU©‡g›U KZ©„K Bmy¨K…Z ESRM mswkøó mvK©yjv‡ii (GmGdwW mvK©yjvi bs:03, ZvwiL: 26 Ryb 2022) wb‡©kbv h_vh_fv‡e Abymi‡Yi cvkvcvwk G msµvšÍ evsjv‡k e¨vs‡Ki we¨gvb Ab¨vb¨ mswkøó wewa-weavbmg~‡ni Av‡jv‡K wbqgvPvi AbymiYc~e©K MÖvn‡Ki AbyK~‡j FY/wewb‡qvM myweav cÖ`vb Ki‡e| weZiYK…Z FY/wewb‡qvM

c„ôv bs-4 ‡dvbt 88-02-9550448, 9554896, AvBwct 88-02-55665001-6, d¨v·t 88-02-9530479, www.bb.org.bd Avv‡qi mKj vq-vwqZ¡ FY/wewb‡qvM weZiYKvix e¨vs‡Ki Dci b¨¯Í _vK‡e| MÖvnK ch©v‡q FY/wewb‡qvM Avv‡qi mv‡_ evsjv‡k e¨vs‡Ki wbKU mswkøó cybt A_©vqbK…Z A‡_©i wKw¯Í cwi‡kv‡ai †Kvb m¤úK© _vK‡e bv; 16.2) Bmjvgx kixqvn& wfwËK e¨vsKmg~n Dch©y³ kZ©vwi e¨Z¨q bv K‡i ¯^xq Aby‡gvwZ wewb‡qvM c×wZi wfwˇZ G Znwe‡ji AvIZvq MÖvnK‡K wewb‡qvM cÖvb Ki‡Z cvi‡e| 17. cybt A_©vqb Znwe‡ji kZ©vw wel‡q †h †Kv‡bv ms‡hvRb, we‡qvRb Ges cwigvR©‡bi AwaKvi mvm‡UB‡bej dvBb¨vÝ wWcvU©‡g›U, evsjv‡k e¨vsK msiÿY K‡i| 18. e¨vsK †Kv¤úvbx AvBb, 1991 (2023 mv‡j ms‡kvwaZ) Gi 45 avivq cÖË ÿgZve‡j G mvK©yjvi Rvwi Kiv n‡jv hv Awej‡¤^ Kvh©Ki n‡e| Avcbv‡i wek¦¯Í, (‡P․ayix wjqvKZ Avjx) cwiPvjK(GmGdwW) ‡dvb bs: 9530320 B-‡gBj: chowdhury.ali@bb.org.bd

c„ôv bs-5 ‡dvbt 88-02-9550448, 9554896, AvBwct 88-02-55665001-6, d¨v·t 88-02-9530479, www.bb.org.bd ms‡hvRbx Quarterly Report on Refinance/Loans Disbursed under GTF for Rural and Local Entrepreneurs as on .................................... Sl. No. Name of the Borrower Type of Business Sanction Date Sanctioned Amount Disbursed Amount Outstanding Amount as of............ Overdue Installment Amount Recovery during the Quarter Cumulative Recovery as of ........... Classification Status