tI{ Nnn \nbaw tIc-f-n \S-n-em-hp-tm

sI. {ioIr-jvW-Ip-am
I\n sk{I-dn, Xriq
1975 emWv tIcf Nnn BIvSv {]m_-ey-n h-Xv. Cu \nb-a-nse A{]m-tbm-Kn-Ihpw ZpjvI-c-hp-amb
`mK-sf adn IS-p-hm Ap apX Xs tIc-f-n\v ]pdv {]tXy-Inpw tImb--q, _mwKvfq,
^co-Zm-_mZv, Pp Fn-hn-S--fn Hm^o-kp-I Xpdv Nnn \Sn hcn-I-bm-bn-cp-p. 1982 tI{
Nnn \nbaw \S-n hs-nepw Nnn \nbaw tIc-f-n ]cs \S-n-em-bn-. 1975 se tIcf Nnn \nbahpw 1982 se tI{ Nnn \nb-ahpw cp dbn-ep-I t]mse kam--c-ambn \ne-\n-p-t]m-p. ap kwm\--fnepw tI{ \nb-a\w \S-n-em-b-tXmsS Nnn \S-n-n-\mbn Nnn I-\n-I Pp, lcn-bm-\-bnse
^co-Zm-_mZv Fo e--fn {_mp-I XpSn Nnn \S-n-tm-p. 2002 tIcf Nnn \nb-a-n
ImX-emb am- \S-n-em-p-Ibpw AXp-{]-Imcw IqSp-X ISp am\-Z-- tIcf Nnn \nb-an CSw ]nSn-p. CXn-s\-Xnsc tIcf ssltm-S-Xn-bnepw kp{]ow tImS-Xn-bnepw \S tIkn\v 852012
kp{]-[m\ hn[n {]kvXm-hnp. CXv 5 PUvPn-am AS-p `c-W-L-S\m _ns hn[n Bb-Xn-\m
\S-n-em-p-I-b-msX ap am--fn-. Cu hn[nv HcmgvN apv 3042012 \v tI{ km D-c-hneqsS Cy-bnse tIc-fhpw lcn-bm-\bpw AS-p 6 kwm-\--fn IqSn 1982se tI{ Nnn \nbaw
\ne-hn h-Xmbn {]Jym-]n-p.
852012 se kp{]ow tImSXn hn[n-bpsS ImX Fs-m 1982 Xs tI{-\n-baw tIc-f-n \Sn-em-sbpw Ap-ap-X 1975 se tIcf Nnn \nbaw {]m_-ey-n-en-spw AXn-\m 2002 se tIcf
Nnn \nb-a-nse t`Z-KXn Akm-[p-hpw, Akm-[yhp-sa-p-am-bn-cp-p. AXm-bXv 1982 Xs Akm-[phmb tIcf Nnn \nb-a-n Fs\ 2002 t`Z-KXn sImp-h-cp-hm-\mIpw?
Fm 1982 apX 3042012 hsc-bp 30 hjw \S-Xpw \S-n-sIm-p-h-cp--Xp-amb Nnn-I- A-Xpt]mseXs XpS-cm-hp--Xm-Wv. B Nnn-I FhnsS \np XpS-n-tbm, Fp am\-Z---fn \S-ppthm FXv Hcp Xc-nepw tNmZyw sN-s-SpIbn-. 3042012 \v tijw XpS-p Nnn-Iv 1982
se tI{ Nnn \nb-aw am{Xta C\n {in-t--Xp-q. Cu Ah-k-c-n C\n Nnn-I XpS-p--Xn\pw, \S-p--Xn\pw klm-b-I-c-amb Imcy-.
C\n apX m]-\-ns t]cn Ipdn, Nnn, Nnokv Fo hmp-I-fn-msX Nnn m]\w \S-m\m-hn-. Cu hmp-I Hgn-p t]cnse hmp-I 3 hj-n-\Iw amtn hcpw. (DZmx Loans, Real
Estate, Traders, Finance, Enterprises etc.). IqSmsX \ne-hn-ep Real Estate, Gold Loan, ap ]W-an-S-]mSp-I \np-I-tbm, ap m]-\- XpSn AXn-tev amp-Itbm sNt-n-hcpw. Nnn m]-\-v
Nnn am{Xta sNmhq F-t]mse ap hym]mc hyh-kmb m]-\-v Nnn XpS-m-\p-am-hn-.
]pXp-Xmbn XpS-p Hcp Nnn-bn \nv BZys XhW ]ncn-p apgp-h kwJy-bp-amWv ke (Chit
amount). AXm-bXv 3000 cq] hoX-ap 30 amkw D Nnn-bpsS ke 3000 x 30 = 90000 cq]-bm-Wv. Hmtcm
Unhn-j IqSp-tmgpw ke IqSpIbpw sNpw. AXm-bXv ta ]d Nnn 5 Unhn-j BsW-n ke
FXv 5 x 90000 = 450000 Bbn-cn-pw.
tI{ Nnn \nb-a-{]-Imcw ke-bpsS 100% Nnn cPn-kv{Sm-dpsS Hm^o-kn sIn sh-Ww. As-n 50%
Iymjv sUtm-knpw 50% _mv Kymc-n-bp-am-hmw. XpS-m-\p-t-in-p Nnn-bpsS apgp-h hnh-c-fpw
t^mams BkvXn _m[yX XpS-nb hnh-c-fpw tNv Nnv cPn-kv{Smv At] \I-Ww. Cu
At] 2 tImnI kan-p-tm Hcp tImn endorse sNbvXv Xncnp Xcp--Xm-Wv. AXn-\p-tijw
Nnv XpS-m-\p A\p-aXn]{Xw sImSp-p--Xm-Wv. Sn kn-^n--nse \{v ImWn-p-sImp am{Xta
Nnn ]ckyw sNm- h q. CXn- \ p- t ijw aqp amk- n- \ p- n Nnv XpSpIbpw Declaration\pw
Subscriberss apgp-h hnh-c-fpw cPn- sNpIbpw th-Ww.
Ipdn kwJy I-\n-bpsS AwKo-I-cn _mn sUtm-knv sN-Ww. _mpw, Aupw apIqn cPnkv{Smsd Adn-bn--Ww. AS-m hcn-m-c\v 14 Znhkw apv t\mokv sImSp--Ww. AXn-\p-tijw
Abm-fpsS Ipdn forefit sNmw. Cu hnhcw 7 Znh-k-n-\Iw cPn-kv{Smsd Adn-bn-pIbpw th-Ww. Ipdn
Imem-h[n Ign-bp-tm Io- j\pw ap Nmp-Ifpw Ignv _mn XpI aSn \IpIbpw th-Ww.
ASm Ipdn-m-c\v ]Icw asm-cmsf tNv Ipdn XpS-cmw. Abm-fn \npw At-h-sc-bp apgp-h
XpIbpw collect sNpIbpw thWw.
Foreman commission 5% n IqSm ]mSn- Fv tI{ \nbaw A\p-im-kn-p-p. 5% n khokv
SmIvkpw, ap SmIvkp-Ifpw DsImp--Xn-\m bYm Io-j AXn\p Xmsg-bm-bn-cnpw. Cu 5%
tI{ \nb-a-n ]d-bp--Xn-\m CXn Fp am-n\pw tI{-\n-baw amw hcp-p-Itb \nhr-nbp-q. ta]-d 5% n\p ]pdta Nnn F{Knsan ]d {]Imcw fine, interest Fnh Nmv
sNmw. ke-bpsS 40% n IqSp-X Nnn teew A\p-h-Zn-p-n-. AXm-bXv 60% Fnepw Ipdn-m-c\v
In-W-sav Aw. Ipdn ]c-ky- sImSp-p-tm Ipdn cPn-kv{Sm-dpsS kn-^n-v \ Sn ]cky--fn ImWn--Ww.
1

tI{-\n-baw \S-n-em-m-\p dqkv tIcf km-cpw, RBI bpw tNv cq]w sImSp-W-sav ta]d kp{]ow-tIm-SXn hn[n-bn ]d-bp-p. Cmcyw Ctm \S-p-sIm-n-cn-p-I-bm-Wv. AXn-\p-ti-jta- Nnn cPn-kv{Sm \nb-an-X-\m-hp-I-bp-q. I\n \nb-a-n Hmlcn DS-a-I-fn \nv sUtm-knv
hmp--Xn\v XS--an-s-nepw Nnn \nb-a-n Hmlcn DS-a-I-fn \npw hmp deposit NOF s
15% n IqSm ]mSn. Hmtcm Ipdn-Ipw {]tXyI an\n-vkv_pv kqn-t--Xm-Wv.
Ipd-Xv 2 Ipdn-m-cp-sS-bpw kmn-I-fp-sSbpw kmn-[y-nte Ipdn \dp-pw, teehpw ]mSp-q. Ipdn
\dppw teehpw IrXy-ambn an\n-vkn tcJ-s-Sp-pIbpw th-Ww. Ipdn cPn-kv{Sm-dpsS Hm^o-kn
kqn-n-p cPn--dn \nv cPn- ]cn-tim-[n-m\pw ]Is-Sp-m\pw Ipdn-m-c\v Ah-k-c-apv.
]pXnb {_mp-I XpS-p--Xn\v tIc-f-nse Nnn cPn-kv{Sm-dpsS Hm^o-kn apIqn cPn- sNbvXv
A\p-aXn hmt--Xm-Wv.
tI{-Nnn \nbaw Pp-Im-ivao-cn _m[-I-asnepw AhnsS \nv C\n XpS-p Ipdn-I tIcfnse
cPn-kv{Sm Hm^o-kn cPn- sN-Ww. IqSmsX CPC (Civil Proceedure Code) Pp-hn \ne-hn-en-m-Xn-\m Nnn apSw hm tIkv sImSp-m _pn-ap-m-hpw. tIc-f-nse Nnn cPvkv{Sm Acw
{_mv XpS-p--Xn\v A\p-aXn sImSp-ptam Fv ]d-bm-\m-hn-.
Ipdn skIyq-cnn sUtm-knv ]W-am-bn-mWv hmp--sX-n taem _m[y-X-bpsS 133% Dw, e-ambn-mWv hmp--sX-n taem _m[y-X-bpsS 150% n IqSm ]mSn-. AXn IqSp-X Bh-iy-sSp-I-bm-sW-n Ipdn-m-c\v Acw ]cm-Xn-I Ds-n tIc-f-nse Nnn cPn-kv{Sm Hm^o-kn
]cmXn \Imhp--XmWv.
Nnn \nb-a-n {]tXyI Xc-n _mekvjov ]d-n-p--Xn-\m B cq]-n _mekvjov
Dm-t-n-h-cpw. CXn-\p-]p-dta I\n cPn-kv{Smv I\n \nb-a-{]-Imcw asmcp _mekvjopw
thn-h-cpw. Cmcyw HmUn-am-cpsS ]cn-K-W-\-bn-em-Wv.
]mv\jn-p-Iv Ipdn XpS-m XS--an. Cu m]-\-ns t]cns IqsS Ipdn, Nnn Fns\ hmp-I Dm-bn-cn--Ww. IqSmsX 4 ]mSvt\-gvkn IqSp-X Ds-n BsI Ipdn-I-fpsS
ke 6 e-n Ihn-bm ]mSn-. 4 ]mSvt\-gvkn Ipd-hm-sW-n ke 4 e-n Ihn-bm ]mSn
. ]mSvWjnv Am ap m]-\-,v As-n \S-n-p-Imv Hcmv 1 e-n IqSpX ke ]mSn-.
Hcp I-\n-bpsS NOF s (Net Owned Fund) 10 aS-n IqSp-X ke ]mSn-. BsI-bp Ipdn-I-fpsS
ke-bmWv CXp-sImv Dt-in-p--Xv. 3042012 \v app Ipdn-I-fpsS ke CXn IW-m-t--Xnsv Icp-Xp-p. I-\n-bpsS AS-p-Xo aqe-[\w Iqp-I-bmWv NOF Iqm-\p s]mXp-hmb hgn.
CXn\v I-\n-bpsS authorised capital epw paid up capital epw Iqt-n-h-cpw. \jvS-n-ep I-\n-IfpsS AS-p-Xo aqe-[-\-n \nv apsIm---fnse knX \jvSw Ipd-p-tm NOF DmhpIbn. AXn-\m Ipdn XpS-m\pw Bhn. em`-an-m I-\n-I-fpsS NOF aqe-[-\-t-m Ipdbp-Ibpw em`w D I-\n-I-fpsS NOF IqSp-Ibpw sNp--Xn-\m hcpw hj--fn I-\n-I IqSpX em`w Dm-t-n-bn-cn-p-p.
tI{- Nnn \n-b-a-{]-Imcw Hcp Ipdn-bpsS Imem-h[n ]c-am-h[n 5 hj-n IqSm ]mSn-. Cu Ime-bf-hn D amk-p-dntbm ]qIp-dntbm Fpw XpS-mw. tIcf Khsans apIq-n-bp A\phm-Z-tmsS 5 hjw FXv 10 hjw hsc Imem-h-[n-bp Ipdn-I XpS-mw.. Hcp Imc-W-h-imepw 10
hj-n IqSm ]mSn-.
tI{ Nnn \nbaw 3042012 \S-n-em-b-Xn-\m Ap-ap-X B \nb-a-n Iogn ]d-bp Imcy A\p-k-cnt Ipdn XpS-m-hq. dqkv hcp--Xn-\p-apv XpS-p Ipdn-Ipw tI{-\n-baw Xsbmhpw Ah-ew-_w. dqkv hcp-tm XpS-nb Ipdn-I \nb-a-hn-t[-b-am-m {]bm-k-amIpw. Ipdnbpw
]W-an-S-]mSv _nkn-\kpw \S-p I-\n-I Ah-cpsS \ne-hn-ep Ipdn-I XpS-cmw. ]t ]W-an-S]mSv _nkn-\kv asmcp m]-\-n-tev am-Ww. CXn\v ]pXnb ]mSvWjnv XpS-mw. IqSmsX
]pXnb NBFC XpS-p-Itbm \ne-hn-ep-h hmp-Itbm sNbvXv Money lending, Loan Business Fnh
B I-\n-bn sNmw.
]pXnb Ipdn \nbaw Gsd ISp--Xm-b-Xn-\m A{i--ambn Ipdn \S-m-\m-hn-. IqSp-X {i-tbmsS
]cn-{i-an-m \ ]ptcm-KXn {]Xo-n-mw. km-n-I-ambn ASn--dbp I-\n-Iv CXv A\ptbm-Py-am-Wv. tI{ Nnn \nbaw Ipdn-I--\n-Isf ap hyh-km-b--fn \npw hnenbXn-\m Memorandum of Association C\napX Other object Hpw tNm I\n cPn-kv{Sm A\p-h-Zn-p-n-.
Nnn hyh-kmbw IqSp-X Icp-tmsS aptmv t]mI-W-sa-n \ sNt-Xv
aqe-[\w hn-n-p-I, Nnehv Npcp-p-I, t^msa Io-j ]cn[n Dbm {ian-p-I, em`-n
{]hn-p-I, kpXm-cy-ambn tcJ-I kan-pI. Cu hgn-I-fn-eqsS Ipdn I-\n-Iv \ ]ptcmKXn {]Xo-n-mw.
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