(1) Ļ¯ೇಷ ªಾಜÍ ಪĦÎ�ೆ ಸൽೕಯ ವ ವರಗำ ಮൡ౨ ๎ಸನ ರಚච ಸ฿ಲಯ ಅඌಚච ಒ : ವ ๎ಇ 03 ๎ಸನ 2025, ಂಗิฆ, ൽකಂಕ:12.02.2025.
ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕ ಮಗಳ ಪ ൟීಧಕ) ಅඋ ඃಶ, 2025ರ ಬ ವค ൟಂಗಳ 12ඡ ൽකಂಕඈൿ ฃಜ ඩಲರ ಒඪ౭ ಡ අฉൟൿ౪ , ನ ൟำವัಃಛಜ ಇದඝ౬ 2025ರ ಕකბಟಕ ಅඋ ඃಶ ಒ : 02 ಎಂ්ർಜ ಕකბಟಕ ฃಜ ಪತ ದ เ๕ಷ ಃಯย (ූಗ IV-A) ಪ ಕഔಸಃಂൿ ಆඃ๏ಸมಜං,- 2025 ರ ಕකბಟಕ ಅඋ ඃಶ ಒ :02 ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕ ಮಗಳ ಪ ൟීಧಕ) ಅඋ ඃಶ, 2025 (ූರತ ಗಣฃಜ ದ ಎಪ౭ ൞౨ ರඡ ವಷბದย ಕකბಟಕ ฃಜ ඩಲคಂದ ಪ ಌ ඪತ฿ಜ 2025ರ ಬ ವค ൟಂಗಳ 12ඡ ൽකಂಕඈൿ ಕකბಟಕ ฃಜ ಪತ ದ เ๕ಷ ಃಯย ෮ದฤ ಪ ಕಟ฿ಜං) ಕකბಟಕ ฃಜ ದย ౽ಯბඛವბൟ౨ ฆವ ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ (organizations) ಅಥ฿ ศ฿ඃเർರඝ ඛೕഴವ ൿค ಬല ದರಗಳ ಅඝತ ൧ಂದฉ ಮൡ౨ ಬಲ๋ತದ ವมൟ เඋನಗัಂದ ಆ൮ბಕ฿ಜ ൿಬბಲ ಞಂඬಗำ ಮൡ౨ ವ ౾౨ ಗำ, เ๕ಷ฿ಜ ซತฆ, ಮึಯฆ ಮൡ౨ ಮะ ಸ౷ ಸಯ ಞಂඬಗಳඝ౬ ರ౾౹ ಸฤ ಮൡ౨ ෨ಕ౨ ತัಸฤ ಟ ಅದಃౙ ීಧಪಟౣ ಅಥ฿ ಅದಃౙ ඩ ಜಕ฿ದ เಷಯಗัಛಜ ಒಂൿ ಅඋ ඃಶ.
¨sÁUÀ – 4J Part – IVA 12 2025 23 1946) BENGALURU, WEDNESDAY, 12, FEBRUARY, 2025 MAGHA, 23, SHAKAVARSHA, 1946) . 89 No. 89 2 ಕකბಟಕ เඋನ ಸො ಮൡ౨ เඋನ ಪคಷൡ౨ ಅඌๆಶನದย ಇಲ ൽฆโದคಂದ, ಮൡ౨ ූರತ เඋನದ 213 (1)ඡ ಅඝ ೕದದ ෬ฉಜನ ಅඌ౽ರಗಳඝ౬ ಚมಸฤ ಅವಶ ಕ ಮൡ౨ ಕ౨ ฿ದ ಸඛ౬ ๆಶಗำ ಉದ ವ฿ಜๅಂൿ ನ ಕකბಟಕ ฃಜ ඩಲฆ ಮನಧലฆโದคಂದ, ಈ ෨ಂൽನ ಅඋ ඃಶವඝ౬ ಪ ಌ ඪವฆ, ಎಂದฉ :-
1. ౾౹ ಪ౨ ກಸฆ, ඩ ฏಭ ಮൡ౨ ಅನ౷ ಯ.- (1) ಈ ಅඋ ඃಶವඝ౬ ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕ ಮಗಳ ಪ ൟීಧಕ) ಅඋ ඃಶ, 2025 ಎಂൿ ಕฉಯತಕౙ ൿ౪ .
(2) ಇൿ ಈ ಁಡว ೦คಡ ಬರತಕౙ ൿ౪ .
(3) ಈ ಅඋ ඃಶದย ಇฆโർโ ಆฑಐඣಂൽಡ ඣೕಂർಸมದ ෴โඃ ಂ౾ಂ ಅಥ฿ ಂ౾ಂಢತರ ಹಣ౽ ಉಪඛಡ (NBFC) ಅನ౷ ಸತಕౙ ದ౪ ಲ .
(4) ಈ ಅඋ ඃಶದ ಉಪීಧಗำ ತ൞ౙ ಲದย ೦คಯย ฆವ ಅ౨ ತ౷ ದย ನ ෴โඃ ౽ඞඛඣಂൽಡ ෨ಂൿವฉಯತಕౙ ൿ ಮൡ౨ ಅඋ ฌೕ෴ಜರತಕౙ ದ౪ ಲ .
2. ಪคූಗำ.- (1) ಈ ಅඋ ඃಶದย ದಭბโ ಅನ ൭ ಅಗತ ಪലದ ຄರൡ,- (ಎ) “ಲಛರ” ಎಂದฉ ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರคಂದ ಕ ಅಥ฿ ยತ ಕฃคನല ಷರൡ౨ ಗำ ಮൡ౨ ඛීಧචಗูಂൽಡ, ෴โඃ ಉං౪ ೕಶ౽ౙ ಜ ಲದ งಪದย ಹಣವඝ౬ ಪഷವ, ಆ ಹಣವඝ౬ ಃಲโ ౽มವඌಳಡ ಮฆඩವൟಸತಕౙ ವ ౾౨ ಅಥ฿ ಸ౷ ಸಯ ಞಂඬ (SHG) ಅಥ฿ ೲഔ ຄൕಛคಃ ಞಂඬ (JLG) ಅಥ฿ ವ ౾౨ ಗಳ ಞಂඬ;
() “ಬಲ๋ತದ ಕ ಮ” ಎಂದฉ 8ඡ ಪ ಕರಣದย เವคಸมದ ಬಲ๋ತದ ಕ ಮ;
() “ಬല ” ಎಂ්ൿ ಈ ಅඋ ඃಶದ ಉಪීಧಗಳല ಪคූದ ඛීಧචಗಳ ಉං౪ ೕಶಗัಛಜ ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರคಂದ ನಗൿ ಅಥ฿ ದූბඝರ฿ಜ ವ౨ งಪದย ಲಛರඛಡ ඛೕലದ ෮ತ౨ ದ ෬ยನ มಭ ಟ ಅൿ ൽನಃౙ , ฿ರಃౙ , ൟಂಗัಡ ಅಥ฿ ವಷბದ ಆඋರದย เඌಸมದ ಬല ಯඝ౬ ಒಳತำ โൿ;
3 (ല) “ಲ” ಎಂದฉ ಲಛರඛಡ ಬല ಯ ෬ฉಡ ಖತ฿ಜ ಅಥ฿ ಅನ ൭ ඛೕಡมದ ಹಣದ งಪದย ನ ಅಥ฿ ೕಜ, ತಬ౯ ರ, ಇ൞ ൽಗತಹ ವ౨ งಪದย ನ ෨ಂಗಡ ಅಥ฿ ಅಲ;
(ಇ) “ศ฿ඃเർರ” ಎಂ්ൿ ෭ಆ ೕ වකඨ౺ ౩ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಗಳඝ౬ ಒಳತำ โൿ ಟ ൽನಃౙ , ฿ರಃౙ , ൟಂಗัಡ ಅಥ฿ ವಷბದ ಆඋರದย ಬല ಯඝ౬ เඌವ ෩ಲಕ มಭವඝ౬ ಗัಸฤ ನಗൿ ಅಥ฿ ವ౨ งಪದย ಲ ඛೕഴವ ಅಥ฿ ෴โඃ ಸ౷ งಪದ ಹಣ౽ චರโ ඛೕഴโದඝ౬ ಪ උನ ಅಥ฿ ඩ ಜಕ ಚഖವഔಃ෴ಜಆಂಡ ෴โඃ ඩฤർರ ಫ෨ბ ಅಥ฿ ವ ౾౨ ಅಥ฿ ವ ౾౨ ಗಳ ಞಂඬ ಅಥ฿ ല೧ಟฯ ಲඛೕലಃ ඩ ഡමෳბ;
(ಎෆ) “ඣೕಂದ ඩ ඌ౽ค” ಎಂದฉ ීಧಪಟౣ ೧ว ಯ ೧ม ඌ౽ค:
ಪฏൡ ฃಜ ಸ౽ბರโ ಅඌಚචಯ ෩ಲಕ ಅಂಥ ಇತರ ತൡ౨ ಪലದ ಅඌ౽คಯඝ౬ ඣೕಂದ ඩ ඌ౽ค ಎಂൿ ඡ෦ಸಬൿ;
(೧) “ಸಜದ ൿಬბಲ ವಗბ” ಎಂದฉ ซತฆ, ಮึಯฆ, ಮะ ಸ౷ ಸಯ ಞಂඬಗำ, ಂ ౽෦ბಕฆ, ౽෦ბಕฆ, ೕൽ ฿ ඩคಗำ, ಒಂൿ ಸ౩ ಳൽಂದ ಮ൧౨ ಂൿ ಸ౩ ಳಃౙ ಚยವ ಇತರ ฿ ඩคಗำ, ยನ ഹคಯย ಃಲಸ ഴವ ౽෦ბಕฆ, ඛბಣ ౽෦ბಕฆ, ವಲ ౽෦ბಕฆ, ಅವರ ෩ಲ ๅಗัಡ ಀಜ ฆವ ಪ ๆ๎ವ౽ಶದ ಮൡ౨ ෨ಖ ฿ಜ ಆฌೕಗ , ವಸൟ ජಮბಲ ಇ൞ ൽಗಳ ಅಂತඛბತ ඛ൏ბಯಕಗಳ (underlying determinants) ౽ರಣൽಂർಜ ಇತರคಡ ຄೕยದย ಅನඝಁಲฆವ ಜನರ ಞಂඬ ಮൡ౨ ಆ൮ბಕ฿ಜ ಂൿัದ, ඛಯತ ಆർಯದ ෩ಲเಲ ං ೧ೕವඣೕඩಯದ ದคಗಳย ಃಳಮಟౣ ದย ฆವವฆ.
(2) ಈ ಅඋ ඃಶದย ಬಳฆವ ಆದฉ ಪคූಸൽฆವ ಪದಗำ, ීಧಪಟౣ ಅඌඛಯಮಗำ ಮൡ౨ ಅದರല ರದ ඛಯಮಗಳย ಅඝಕ ಮ฿ಜ ಅโಗัಡ ඛೕಡมದ ಅๆ ಅಥბಗಳඝ౬ ຄಂൽರತಕౙ ൿ౪ .
3. ෭ಆ ೕ වකඨ౺ ౩ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರರ ඣೕಂದ.- (1) ಈ ಅඋ ඃಶದ ඩ ฏಭದ ൽකಂಕඈൿ ಕකბಟಕ ฃಜ ದย ౽ಯბඛವბൟ౨ ฆವ ಎม ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರฆ, ಈ ಅඋ ඃಶದ ඩ ฏಭದ ൽකಂಕൽಂದ ෩ವൡ౨ ൽನಗูಳಛಜ, ಅโಗำ ౽ಯბඛವბൟ౨ ฆವ ಅಥ฿ ౽ಯბඛವბಸฤ ಉං౪ ೕ๏ฆವ ಛ ಮಗำ ಅಥ฿ ಪಟౣ ಣಗำ, เඌฆವ ಅಥ฿ เඌಸฤ ಉං౪ ೕ๏ฆವ ಬല ಯ ದರ, ಕ౨ ೦ಗงಕ ඛವბಹ൏ ವ ವ౩ ಮൡ౨ ವมൟಯඝ౬ ೦คತัವ ವ ವ౩ ಟ ಲ ඛೕലಃ 4 ಅಥ฿ ඛೕಡมದ ಹಣದ ವมൟ ಚഖವഔಃಯඝ౬ ඛವბಸฤ ಅඌಂತತัಸมದ ವ ౾౨ ಗಳ ಪഔౣ ಟ ಲಛರನ ກಸฆ ಮൡ౨ เะಸ, ಲಛರඛಡ ඛೕಡมದ ಒഖౣ ಅಸฤ ෮ತ౨ , ಲಛರඛಂದ ಈಛಗศ ವฤ ಡมದ ෮ತ౨ , ಲಛರඛಂದ ಇඞ౬ ವฤ ಡ౽ದ ౾ ෮ತ౨ ಟ ಈ ಅඋ ඃಶದ ಉಪීಧಗัಡ ಅඝರ฿ಜ ෴฿ಗล ౽ಯბವಸತಕౙ ංಂಬ ยತ ෨ಚ ัಃಯඝ౬ ಅದರย ඛൽბಷౣ ಪല ೧ว ಯ ඣೕಂದ ඩ ඌ౽คಯ ෨ಂං ඣೕಂದಛಜ ಅ೧ბಯඝ౬ ಸย ಸತಕౙ ൿ౪ .
(2) ಈ ಅඋ ඃಶದ ඩ ฏಭದ ತฆ฿ಯ ಸ౷ ಸಯ ಞಂඬಗัಡ ಲ ඛೕലಃ ವ ವರವඝ౬ ඛವბൟ౨ ฆವ ಅಥ฿ ಅದඝ౬ ඩ ฏಸฤ ಉං౪ ೕ๏ฆವ ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರฆ, ඣೕಂದ ඩ ඌ౽คಂದ ಈ ಅඋ ඃಶದല ඣೕಂದ ಪഷಯං ෴โඃ ಲಗಳඝ౬ ೪ฆ ಡತಕౙ ದ౪ ಲ ಅಥ฿ ෴โඃ ಲವඝ౬ ವฤ ಡತಕౙ ದ౪ ಲ .
(3) ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಒದಜಸมದ เವರಗಳඝ౬ ඣೕಂದ ඩ ඌ౽ค ಪค๏ೕยಸತಕౙ ൿ౪ ಮൡ౨ ෭ಆ ೕ වකඨ౺ ౩ ಗಳ ౽෴ბಚರൕಛಜ ඛൽბಷౣ ಪലಸಬർඈಥ เඋನದย ಒಂൿ ವಷბದ ಅವඌಛಜ ඣೕಂದಯඝ౬ ඛೕಡತಕౙ ൿ౪ .
(4) ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರฆ ඣೕಂದಯ ನเೕಕರಣ౽ౙ ಜ ಅ೧ბಸย ർಗ, (3)ඡ ಉಪಪ ಕರಣದย ಉว ೕಸมದ ಒಂൿ ವಷბದ ಅವඌಯ ෨౽౨ ಯತำ ವ ෮ದฤ, ಅರವൡ౨ ൽನಗูಳಛಜ ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಆ ಉං౪ ೕಶ౽ౙ ಜ ಅ೧ბಯඝ౬ ർಖยಸತಕౙ ൿ౪ ಟ ඣೕಂದ ඩ ඌ౽ค, ෭ಆ ೕ වකඨ౺ ౩ ಗಳ ಃ౹ ೕತ ಮಟౣ ದ ౽ಯბౘಮಯ ಕ౨ ಪค๏ೕಲචಯ ತฆ฿ಯ ಮൡ౨ ඣೕಂದ เಸ౨ ರൕಯ ಀคൡ ವბಜඛಕคಂದ ෴โ฿ದง ಆಃ౹ ೕಪൕಗัದ౪ ย , ಅವඝ౬ ಆยದ ತฆ฿ಯ ඣೕಂದ ෨౽౨ ಯದ ൽකಂಕಃౙ ෮ದฤ ಕඛಷౣ ಹൽජൿ ൽನಗಳย ನเೕಕರಣ ೪ฆ ഴโඃ ಅಥ฿ ನเೕಕರಣ ඛฃಕคโඃ ಎಂ්ದඝ౬ ൟೕბඛಸತಕౙ ൿ౪ .
(5) ಪ ൟ ඣೕಂದ ඩ ඌ౽ค ತನ౬ ಅඌ౽ರ฿ ඪ౨ ಯലಯย ನ ಪ ඃಶ౽ౙ ಜ ඛൽბಷౣ ಪലมඈ, ಂඎ฿ದ ඣೕಂದ ຄಂൽฆವ ಎม ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗಳ ಅಥ฿ ศ฿ඃเർರರ ค೧ಸౣ ฑಗಳඝ౬ ඛವბಸತಕౙ ൿ౪ .
4. ඣೕಂದಯඝ౬ ರൿ౪ ತัವ ಅಥ฿ ಅನൡ౨ ತัವ ಅඌ౽ರ.- (1) ඣೕಂದ ඩ ඌ౽ค ෴โඃ ಸಮಯದย ಸ౷ ൫ ಅಥ฿ ಲಛರඛಂದ ฆ ౷ ೕಕคದ ෬ว ಅಂಥ ರದ౪ ൟಛಜ ยತದย ಕౣ ౽ರಣಗಳඝ౬ ඛೕലದ ತฆ฿ಯ ಮൡ౨ ಅದඝ౬ 5 ಆยದ ತฆ฿ಯ ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗಳ ಅಥ฿ ศ฿ඃเർರರ ඣೕಂದಯඝ౬ ರൿ౪ ತัಸಬൿ ಅಥ฿ ರൿ౪ ಪലಸฤ ๏මರ౺ ಡಬൿ ಟ ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗಳඝ౬ ಅಥ฿ ศ฿ඃเർರರඝ౬ ෴ವ ಅಂಶಗಳ ෬ว ෬ส౬ ೕಟಃౙ ರൿ౪ ತัವ ൟೕბನ ಅತಳ มಜංಂൿ ൟัವ ඣೕഔೕ ඛೕലದ ຄರൡ ಮൡ౨ ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರคಡ ಅಂಥ ඣೕഔೕನ เฆದ౫ ಅಹ฿ಲඝ౬ ຂัಆำ ವ ಕ౨ ಅವ౽ಶವඝ౬ ඛೕലದ ຄರൡ ඣೕಂದ ರದ౪ ൟಯ ಆඃಶವඝ౬ ຄರലಸತಕౙ ದ౪ ಲ .
เವರൕ: ಉಪಪಪ ಕರಣ (1)ರ ಉං౪ ೕಶಗัಛಜ ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ, ಈ ಅඋ ඃಶದ ෴โඃ ಉಪීಧಗಳ ಉಲ ಂಘචಯ ಅಪฃಧ౽ౙ ಜನ ಅಪฃಧ ඛಣბಯโ ಅದರ ඣೕಂದಯඝ౬ ಅನൡ౨ ತัಸฤ ಅಥ฿ ರൿ౪ ತัಸฤ ಕౣ ౽ರಣโಳ ർ౪ ಜರತಕౙ ൿ౪ .
(2) ඣೕಂದ ඩ ඌ౽ค (1)ඡ ಉಪಪ ಕರಣದല เೈರൕಯඝ౬ ౾ค, ർಖยಸ౽ದ ಕౣ ౽ರಣಗัಛಜ ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗಳ ಅಥ฿ ศ฿ඃเർರರ ඣೕಂದಯඝ౬ ಅನൡ౨ ಪലಸಬൿ.
5. ಲ ඛೕലಃ ನඈಡಗำ.- ಸ౽ბರโ ಅඌಚචಯ ෩ಲಕ ಲඛೕലಃ ನඈಡಗำ, ಗ ಹൕ ಮൡ౨ ವมൟ ಪದ౪ ൟಗಳඝ౬ ඛൽბಷౣ ಪലಸಬൿ.
6. ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಭದ ಯඝ౬ ಆೕฆ๋ൟಲ .- ෴โඃ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರฆ ಲ౽ౙ ಜ ಜರเ, ಒ౨ ಅಥ฿ ෴โඃ ಇತರ งಪದ ಭದ ಯඝ౬ ಲಛರඛಂದ ಭದ ෴ಜ ಆೕರತಕౙ ದ౪ ಲ :
ಪฏൡ ಈ ಅඋ ඃಶದ ඩ ฏಭದ ൽකಂಕಃౙ ෮ದฤ ಲಛರඛಂದ ಪഷಯมದ ෴โඃ ಅಂಥ ಭದ , ಲಛರನ ಪರ฿ಜ ತౘಣๆ ഴಗഷತಳ ർ౪ ಜರತಕౙ ൿ౪ .
เವರൕ: ಈ ಅඋ ඃಶದ ಉං౪ ೕಶಗัಛಜ, “ಭದ ” ಎಂದฉ, ಆඋರ ലฆโದರ ෴โඃ ಸ౷ งಪ.
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7. ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ เඌದ ಬല ಯ ದರಗಳย ನ ඩರದಶბಕ.- (1) ಲವඝ౬ วಕഖౣ ವย ಄ವಲ කฤౙ ಘಟಕಗำ ಇರತಕౙ ൿ౪ , ಎಂದฉ, ಬല เඌವ ๑ಲౙ , ಸౙ ರ൏ ๑ಲౙ , เ ඪ ೕ෦ ಮൡ౨ เತ ඩವൟ ඈಡ๑ಲౙ .
(2) ඛൽბಷౣ ಪലದ ಒಂൿ ದค (standard) ಲದ ಕฃฆ ಇರತಕౙ ൿ౪ .
(3) ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಲಛರඛಡ,-
(i) เඌಸมದ ಪค൏ಮ౽ค ಬല ಯ ದರ;
(ii) ಲಃౙ ಲಗ൞౨ ಜฆವ ಎม ಇತರ ಷರൡ౨ ಗำ ಮൡ౨ ඛීಧචಗำ;
(iii) ಲಛರನඝ౬ ಞฆൟವ ಕౣ ൟ;
(iv) ෭ಆ ೕ වකඨ౺ ౩ ಯ ෩ಲಕ ౷ ೕಕคದ ಉൡಗำ ಮൡ౨ ಅಂൟಮ ൟೕคಃಯඣ౬ ಳತಂಡ ಎม ಮฆඩವൟಗಳ ಂಬರಹಗำ; ಮൡ౨
(v) ಲದ ౽ലბನย ฆವ ಎม ನ෩ൿಗำ ಕನ౬ ಡದย ರತಕౙ ංಂൿ, - ൧ೕคವ ಲದ ౽ಡბඝ౬ ಒದಜಸತಕౙ ൿ౪ .
(4) ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ เඌಸมದ ಪค൏ಮ౽ค ಬല ದರವඝ౬ ತಮ ಎม ಕคಗಳย ನ ಎൿ౪ ౽ವ ಸ౩ ಳದย ಮൡ౨ ಅโಗำ ຄರലದ ಪತ ಗಳย ಮൡ౨ ಅโಗಳ ೦ಲ൞ಣದย ಪ ದ๏ბಸತಕౙ ൿ౪ .
(5) ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರคಂದ ಲಛರඝ ಪഷದ ಎม ಲಗಳඞ౬ ಅโಗಳย ನ เඋನඈ ಕฃฆ ലಆಳ ತಕౙ ൿ౪ , ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಲಗಳඝ౬ ೪ฆ ഴವ ಮൡ౨ เತರൕ ഴವ ಪ ౾ ಯย ಈ ෨ಂൽನโಗಳඝ౬ ඩยಸತಕౙ ൿ౪ ,-
(i) ಲಛರฌಂൽಜನ ಎม ಪತ ವ ವರಗำ ಕನ౬ ಡದย ರತಕౙ ൿ౪ ;
(ii) ಇತರ ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ, ඛೕലದ ಷರൡ౨ ಗำ ಮൡ౨ ඛීಧචಗูಂൽಡ ಅಥბතಣბ ຄೕยಃಯඝ౬ ഴ๋ ಮൡ౨ ಲಛರඝ ಕ౨ ඛඋბರ ಅತำ ๋ ಲಛರನ ൞ಸ౾౨ ಡ ಪค൏ಮೕರಬർದ ಅಗತ ൟಗಳඝ౬ ಲದ ಅ೧ბ ನ෩චಗำ ಒಳತಂലರತಕౙ ൿ౪ . ಲದ ಅ೧ბ ನ෩චಯย ಅ೧ბ ನ෩චಂൽಡ ಸย ಸ౽ದ ಅವಶ ಕ ದ౨ ๆ೩ಗಳඝ౬ ಸತಕౙ ൿ౪ ;
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(6) ಪ ൟಂൿ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ನಗൿ ඬಸ౨ ಕ, ಌ൞ ඬಸ౨ ಕ ಮൡ౨ ඛൽბಷౣ ಪലಸಬർದ ಅಂಥ ಇತರ วಕౙ ದ ඬಸ౨ ಕಗಳඝ౬ ಇคಸತಕౙ ൿ౪ ಮൡ౨ ඛವბಸತಕౙ ൿ౪ .
(7) ಪ ൟಂൿ ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರඝ ಲವඝ౬ ඛೕലದ ಒಂൿ ൽನದ ෮ದฤ, ಲಛರඛಡ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರನ ౽ಯბඛ฿ბಹಕರ ກಸฆ ಮൡ౨ เะಸ, ಲದ ෮ತ౨ ಮൡ౨ ൽකಂಕ ಟ ಅದರ ฿ං, ಮൡ౨ เඌಸมದ ಪค൏ಮ౽ค ಬല ದರ, ಈ ಅಂಶಗಳඝ౬ ඛಚ ಳ ಮൡ౨ ಸ౭ ಷౣ ฿ಜ ൧ೕคವ ඛൽბಷౣ ಪലಸมದ ನ෩චಯย ನ เವರಪഔౣ ಯඝ౬ ತฤඪಸತಕౙ ൿ౪ ಅಥ฿ ತฤඪ๋ ಡತಕౙ ൿ౪ .
(8) ಪ ൟ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ಸ౩ ัೕಯ ಪ ඃಶದย ඣೕಂർತ ಕคಯඝ౬ ຄಂൽರತಕౙ ൿ౪ .
(9) ෴โඃ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ಆತඛಡ/ಆಃಡ ಅದರ ಅඌಂತ ಪ ൟඛඌ ಕ౨ ฿ಜ ಸലದ ඩವൟಯ ರೕൽಯඝ౬ ඛೕലದ ຄರൡ ෴โඃ ಲದ ౽ರಣ౽ౙ ಜ ಲಛರඛಂದ ෴โඃ ඩವൟಯඝ౬ ౷ ೕಕคಸತಕౙ ದ౪ ಲ .
(10) ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ಲಛರನ ยತ ലಃಯ ෬ฉಡ, ಅಥ฿ ಲಛರඝ ಡ ಅಗತ ಪലದย , ലಃಯย ಈ ಀคൡ ඛൽბಷౣ ಪലದ ෴ช ವ ౾౨ ಡ, ಆತඝ/ಆಃ ಪഷದ ಲ ීඌ ෴โඃ ದ౨ ๆ೧ನ ಪ ൟಯඝ౬ ಒದಜಸತಕౙ ൿ౪ :
ಪฏൡ ಈ ಅඋ ඃಶದ ඩ ฏಭಃౙ ෮ದฤ ඛೕലದ ಲಗಳ ದಭბದย , ಲಛರඛಂದ ෴โඃ ಭದ ಯඝ౬ ౷ ೕಕคಸมಜದ౪ ย , ศ฿ඃเർರඝ ಅದඝ౬ ඛൽბಷౣ ಪലโൿ ಕറ ಯ฿ಜರತಕౙ ൿ౪ .
(11) ಪ ൟಂൿ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ෨ಂಬฆವ ೖಕ ಮൡ౨ ದූბඝರ฿ಜ ಹಣ౽ ವಷბದ 10ඡ ൽකಂಕಃౙ ෮ದฤ ඣೕಂದ ඩ ඌ౽คಡ, ಲಛರರ ಪഔౣ , ಪ ൟಬ౯ คಡ ඛೕಡมದ ಲ ಮൡ౨ ಡมದ ಮฆඩವൟಯ ෬ว เඌದ ಬല ದರವඝ౬ ൧ೕฆವ ೖಕ ൫ಒ౨ ಮൡ౨ ฿ბಕ ൫ಒ౨ ಯඝ౬ ಸย ಸತಕౙ ൿ౪ .
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(12) ೖಕ ൫ಒ౨ ಮൡ౨ ฿ბಕ ൫ಒ౨ ಯඝ౬ ಸย ಸฤ เಫಲ฿ದ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ, ಆฆ ൟಂಗำಗಳ ౽ರ฿ಸඅಂൽಡ ಅಥ฿ ಹൡ౨ เರ งඩಗัಡ เಸ౨ คಸಬർದ ೩ม චಂൽಡ ಅಥ฿ ಅๅರಡคಂದล ඈലತ฿ಗತಕౙ ൿ౪ .
8. ಬಲ๋ತದ ಕ ಮಗัಛಜ ෭ಆ ೕ වකඨ౺ ౩ ಗಳ (MFI) เฆದ౫ ඈಡච.- ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ, ಲಛರคಂದ ಹಣ ವมൟಛಜ ಸ౷ ൫ ಅಥ฿ ಅದರ ಏ೬ಂಟರ ෩ಲಕ฿ಗย ෴โඃ ಇತರ ಬಲ๋ತದ ಕ ಮವඝ౬ ಬಳಸತಕౙ ದ౪ ಲ ಮൡ౨ ಬಲ๋ತ ವมൟಯ ෴โඃ ಸ౷ งಪ౽ౙ ಜ ಈ ಅඋ ඃಶದ ಉಪීಧಗಳല ඈಡචಡ ຄൕ෴ಗತಕౙ ൿ౪ ಟ ಈ ಅඋ ඃಶದ ෬ฉಡ ಉಪීඌಸมඈ ಅಂಥ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರನ ඣೕಂದಯඝ౬ ಅನൡ౨ ಪലಸฤ ಅಥ฿ ರൿ౪ ಪലಸฤ ඣೕಂದ ඩ ඌ౽ค ಅඌ౽ರโಳ ವකಜರತಕౙ ൿ౪ .
เವರൕ: ಈ ಪ ಕರಣದ ಉං౪ ೕಶಗัಛ , ෭ಆ ೕ වකඨ౺ ౩ ಯ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರನ ෩ಲಕ ಲಛರರ เฆದ౫ ದ “ಬಲ๋ತದ ಕ ಮ”โ ಈ ෨ಂൽನโಗಳඝ౬ ಒಳತำ โൿ, ಎಂದฉ:-
(i) ಲಛರರඝ౬ ಅಥ฿ ಆತನ/ಆಃಯ ಀഖಂಬ ಸದಸ คಡ ಒತ౨ ಡವඝ౬ ಀโൿ ಅಥ฿ ತഷഴ โൿ ಅಥ฿ ಂಯඝ౬ ಬಳโൿ ಅಥ฿ ಅವඛโൿ ಅಥ฿ ದคโൿ, ಅಥ฿
(ii) ಲಛರನඝ౬ , ಆತನ/ಆಃಯ ಀഖಂಬ ಸದಸ ರඝ౬ ಸ౩ ಳൽಂದ ಸ౩ ಳಃౙ ඛฏತರ฿ಜ ಂยโൿ ಅಥ฿ ಆತನ/ಆಃಯ ಒഷತನದ ಅಥ฿ ಬಳಃಯย ನ ෴โඃ ಸ౷ ൟ౨ ಡ ಮಧ ಪ ๆ๏โൿ ಅಥ฿ ಆತನ/ಆಃಂದ ౾ൡ౨ ಆำ โൿ ಅಥ฿ ෴โඃ ಅಂಥ ಸ౷ ൟ౨ ನ ಬಳಃಡ ಅല ಪലโൿ, ಅಥ฿
(iii) ಅಂಥ ಇತರ ವ ౾౨ ಕ౨ ฿ಜ ൧ಡಜฆವ ಅಥ฿ ฿ಸ฿ಜฆವ ಅಥ฿ ಃಲಸ ഴൟ౨ ฆವ ಅಥ฿ ವ ವರ ನഷൟ౨ ฆವ ಮච ಅಥ฿ ಇತರ ಸ౩ ಳಃౙ ಬಲ๋ತದ ಕ ಮವඝ౬ ಅತำ ವ ಉං౪ ೕಶൽಂದ ಆಛಗ ෝഔ ඛೕഴโൿ ಅಥ฿ ෝഔ෴ಞ๋ ഴโൿ, ಅಥ฿
(iv) ಲಛರඛಡ ಹಣ ඩವൟಛಜ ಬಲ๋ತದ ಮൡ౨ ಅඝತ ಪ ූವವඝ౬ ಬಳ ൡಕಡ/ಒ൞౨ โದಃౙ ಌಸಜ ಅಥ฿ ຄರಞൟ౨ ಡ ಅಥ฿ ಹ ಏ೬ඛ౺ ಗಳ, ౾ ෦ನฯ ನ౬ วಳ ವರ ๅಯඝ౬ ಬಳโൿ, ಅಥ฿
(v) ಸ౽ბರದ ෴โඃ ౽ಯბಕ ಮದലಯย ಲಛರඛಡ ಪ ೕಜನದ ಹಀౙ ಗำಳ ෴โඃ ದ౨ ๆಜඝ౬ ಲಛರඛಂದ ಬಲ๋ತ฿ಜ ಪഷโൿ.
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9. ർಖวಗำ ಅಥ฿ ದ౨ ๆ೩ಗಳඝ౬ ಜฆಪലಸฤ ಅಗತ ಪലವ ಅඌ౽ರ ಟ ಪ ๆಶ, ತඩಸൕ ಮൡ౨ ವಶಪലಆำ ವ ಅඌ౽ರ.- (1) ඣೕಂದ ඩ ඌ౽ค ಅಥ฿ ಆತඝ/ಆಃ ಈ ಀคൡ ಅඌಂತತัದ ෴ช ಅඌ౽ค, ಈ ಅඋ ඃಶದ ಉಪීಧಗัಡ ಅඝರ฿ಜ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ವ ವರ ನഷൟ౨ ฆವฉ ಎಂ්ದඝ౬ ಪค๏ೕยโൿ, ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರನ ಕೞคಯ ಆವರಣಃౙ ಪ ๆ๏โൿ ಅಥ฿ ಆತನ/ಆಃಯ ಅඩ ಯದย ෴ช ವ ౾౨ ಲ ಆഴವ ವ ವರದย ൧ಡಜಆಂലದ౪ ฉ ಮൡ౨ ಅಂಥ ವ ವರಃౙ ීඌದ ෴โඃ ർಖว ಅಥ฿ ದ౨ ๆಜඝ౬ ಆತඛಡ/ಆಃಡ ಜฆಪലಸฤ โൿ ಟ ಪ ൟಂൿ ಅಂಥ ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ಅಂಥ ತඩಸൕಡ ಅඝಮൟಸತಕౙ ൿ౪ ಮൡ౨ ಅಂಥ ತඩಸൕಯย ಅಂಥ ർಖว ಅಥ฿ ದ౨ ๆಜඝ౬ ಅಗತ เฆ฿ಗวม ಜฆಪലಸತಕౙ ൿ౪ .
(2) ඣೕಂದ ඩ ඌ౽ค, (1)ඡ ಉಪಪ ಕರಣದ ಉං౪ ೕಶಗัಛಜ ಆವರಣಗಳඝ౬ ๗ೕඌಸಬൿ ಮൡ౨ ಅಗತ เರಬർದ ෴โඃ ർಖว ಅಥ฿ ದ౨ ๆಜඝ౬ ವಶಪലಆಳ ಬൿ ಟ ಪค๏ೕಲච, ඩ ಁ ಶඨ ಅಥ฿ ಇತฉ ౽ඞඝ ಕ ಮಗಳ ಉං౪ ೕಶಗัಛಜ ಅಗತ เರಬർඈಥ ಅವඌಡ ತ ๆ ವಶಪലಆಂಡ ർಖวಗำ ಅಥ฿ ದ౨ ๆ೩ಗಳඝ౬ ಇഖౣ ಆಳ ತಕౙ ൿ౪ .
(3) ඣೕಂದ ඩ ඌ౽ค ಅಥ฿ (1)ඡ ಉಪಪ ಕರಣದย ಉว ೕฆವ ಇತರ ಅඌ౽ค, ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඝ ීඌತ ൟಯඝ౬ ಒದಜವ ಮಟౣ ದย ฆವචಂൿ ಆತඝ/ಆಃ ಅඩ ಯಪಟౣ ෴ช ವ ౾౨ ಯඝ౬ ಸಮඝ ഴವ ಮൡ౨ ಪค๏ೕยವ ಅඌ౽ರವඝ౬ ಸಹ ຄಂൽರತಕౙ ൿ౪ .
10. ฆಗำ.- ෭ಆ ೕ වකඨ౺ ౩ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ౩ ಅಥ฿ ศ฿ඃเർರඛಂದ ಈ ಅඋ ඃಶದ ಉಪීಧಗಳ ಉಲ ಂಘචಯ ಀคൡ ීಧಪಟౣ / ಅඌ౽ರ ฿ ඪ౨ ಯ ยೕ ഢൕಯย ಮൡ౨ ීಧಪಟౣ ยೕ ಅඌ౽คಯ ෨ಂං ರඝ౬ ർಖยโൿ. ෴ช ยೕಸฆ ಪ ಕರಣವඝ౬ ർಖยಆಳ ฤ ඛฃಕคಸತಕౙ ದ౪ ಲ :
10 ಪฏൡ ยೕ ಉಪ ಅඌೕౘಕರ (Deputy Superintendent of Police) ದ೬ბಡ ಕല෫ಯಲ ದ ยೕ ಅඌ౽ค ಸ౷ ൫ ಪ ಕರಣವඝ౬ ർಖยಆಳ ฤ ಅඌ౽ರโಳ ವකಜರತಕౙ ൿ౪ .
11. ಒಂ්ി౺ ಪಸბඨನ ඡಮಕ.- เ฿ದಗಳඝ౬ ಇತ ಥბಪലโದ౽ౙ ಜ, ಲಛರ ಮൡ౨ ศ฿ඃเർರನ ನഴๅ ಮಧ ಸ౩ ಛರකಜ ౽ಯბඛವბಸฤ ಸ౽ბರโ ಅඌಚචಯ ෩ಲಕ ಒಂ්ി౺ ಪಸბඨನඝ౬ ඡಮಕ ಡಬൿ.
12. ಅඋ ඃಶದ 8ඡ ಪ ಕರಣದ ಉಲ ಂಘචಛಜ ඈಡච.- ಈ ಅඋ ඃಶದ 8ඡ ಪ ಕರಣವඝ౬ ಉಲ ಂಫವ ෴ช ವ ౾౨ , เೈರൕಡ ಒಳಪಡತಕౙ ൿ౪ ಮൡ౨ ಪ ಥಮ ದ೬ბ ක ಕ ೧ౣ იೕಟರ ෩ಲಕ ಹൡ౨ ವಷბಗัಡ เಸ౨ คಸಬർದ ಅವඌಯ ౽ฃ฿ಸඅಂൽಡ ಟ ಐൿ ಲౘ งඩಗಳವฉಡ เಸ౨ คಸಬർದ ೩ม චಂൽಡ ඈലತකಗತಕౙ ൿ౪ . ಈ ಅඋ ඃಶದലಯย ನ ಅಪฃಧಗำ ೬ౢ ೕಯ฿ಜರತಕౙ ൿ౪ ಮൡ౨ ೦෦ೕඝರತ฿ಜರತಕౙ ൿ౪ .
13. ಪ ൟಬ౯ ಅඌ౽ค สೕಕඥಕರකಜฆโൿ.- ಈ ಅඋ ඃಶದ ಉಪීಧಗಳല ౽ಯბඛವბವ ಪ ൟಬ౯ ಸ౽ბค ಅඌ౽ค ಮൡ౨ ಪ ൟಬ౯ ವ ౾౨ ಯඝ౬ ූರൟೕಯ ක ಯ , 2023ರ 2ඡ ಪ ಕರಣದ (28)ඡ ಉಪಪ ಕರಣದ ಅಥბ฿ ඪ౨ ಳಡ สೕಕඥಕರචಂൿ ූเಸತಕౙ ൿ౪ .
14. ษඝ౺ ರತ ಮൡ౨ ඣೕಂർತವಲ ದ ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರರ ෩ಲಕ ಬಲ๋ತದ ಕ ಮൽಂದ ಲಛರඛಡ ಪคರ (relief).- ತ൞ౙ ಲದย ೦คಯย ฆವ ෴โඃ ౽ඞඛನย ಅಥ฿ ෴โඃ ಅಂಥ ౽ඞඛನ ෩ಲಕ ೦คಯย ฆವ ಕฃคನย ಅಥ฿ ยತಪತ ದย ಏඡ ಒಳತಂലದ౪ ง ಮൡ౨ ಈ ಅඋ ඃಶದย ಅನ ൭ ಸ౭ ಷౣ ฿ಜ ಉಪීඌൿದඝ౬ ัൿ, ಈ ಪ ಕರಣದ ඩ ฏಭದ ൽකಂಕൽಂದ ೦คಡ ಬฆ๋,- (ಎ) ಈ ಪ ಕರಣದ ඩ ฏಭಃౙ ෮ದฤ ෭ಆ ೕ වකඨ౺ ౩ ಗำ ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ ಅಥ฿ ศ฿ඃเർರฆ ඣೕಂർತವಲ ൽದ౪ ฉ ಮൡ౨ ษඝ౺ ರತ฿ಜದ౪ ฉ, ಲಛರඝ ඩವൟಸ౽ದ, ෴โർದง ಬല ಯ ෮ತ౨ เದ౪ ย ಅದඞ౬ ಒಳತಂഽ “ಸಜದ ൿಬბಲ ವಗბದವคಛಜ” ෨ಂಗಡ ඛೕലದ ಪ ൟಂൿ ಲವඝ౬ තಣბ฿ಜ ൟೕคಃ෴ಜංಂൿ ූเಸತಕౙ ൿ౪ ;
11 () ෴โർದง ಬല ದ౪ ย ಅದඞ౬ ಒಳತಂഽ ಅಂಥ ಲದ ෴โඃ ෮ತ౨ ದ ವมൟಛಜ ಲಛರನ เฆದ౫ ෴โඃ ർๅ ಅಥ฿ ವ ವಹರൕಯඝ౬ ෴โඃ ක ෴ಲಯโ ඬರಸౙ คಸತಕౙ ದ౪ ಲ :
ಪฏൡ ಲಛರ ಮൡ౨ ෴ช ಇತರ ವ ౾౨ ಯ เฆದ౫ ೲഔ෴ಜ ർๅ ಅಥ฿ ವ ವಹರൕಯඝ౬ ಡมಜದ౪ ฉ, ಈ ಪ ಕರಣದย ಇฆโർโ ಅಂಥ ಇತರ ವ ౾౨ ಡ ಅൿ ීඌฆವಷౣ ರ ಮഔౣ ಡ ർๅ ಅಥ฿ ವ ವಹರൕಯ ඬರಸౙ ರൕ (maintainability) ಅನ౷ ಯ฿ಗತಕౙ ൿ౪ .
() ෴โඃ ಲದ ವมൟಛಜ ෴ช ಲಛರನ เฆದ౫ ಸದค ൽකಂಕඈൿ ౾ฆವ ಎม ർๅಗำ ಮൡ౨ ವ ವಹರൕಗำ (ಅඪೕฤಗำ, ඬನคೕౘൕಗำ, ಜඹ౨ ಗำ ಅಥ฿ ಅಮมౠ ค ವ ವಹರൕಗಳඝ౬ ಒಳತಂഴ) ಆචತಳ ತಕౙ ൿ౪ .
15. ൧ಂದฉಗಳඝ౬ ඛ฿คವ ಅඌ౽ರ.- ಈ ಅඋ ඃಶದ ಉಪීಧಗಳඝ౬ ౽ಯბงಪಃౙ ತฆವย ෴โඃ ൧ಂದฉ ಉದ เದย , ฃಜ ಸ౽ბರโ ಸ౽ბค ฃಜಪತ ದย ಪ ಕഔದ ಆඃಶದ ෩ಲಕ, ൧ಂದฉಗಳඝ౬ ඛ฿คವ ಉං౪ ೕಶಗัಛಜ ತನಡ ಅವಶ ಕ ಅಥ฿ ಕ౨ ๅಂൿ ಉഴಬฆವ, ಈ ಅඋ ඃಶದ ಉಪීಧಗัಡ ಅಗತ฿ಜರඈಥ ಉಪීಧಗಳඝ౬ ರಸಬൿ:
ಪฏൡ, ಈ ಅඋ ඃಶโ ඩ ฏಭ฿ದ ൽකಂಕൽಂದ ಎರഴ ವಷბಗಳ ಅವඌ ෨౽౨ ಯತಂಡ ತฆ฿ಯ ಈ ಪ ಕರಣದല ಅಂಥ ෴โඃ ಆඃಶವඝ౬ ಡತಕ౪ ದ౪ ಲ .
16. ඛඃბಶನಗಳඝ౬ ඛೕഴವ ಅඌ౽ರ.- ಸ౽ბರโ ౽ಲ౽ಲಃౙ ಈ ಅඋ ඃಶದ ಕ౨ ಅඝ ನ౽ౙ ಜ, ಅඌ౽คಗำ, ෭ಆ ೕ වකඨ౺ ౩ ಗำ (MFI) ಅಥ฿ ಲ ඛೕലಃ ಏ೬ඛ౺ ಗำ ಅಥ฿ ౩ ಗำ, ಲಛರฆ, ศ฿ඃเർರคಡ ಈ ಅඋ ඃಶದ ಮൡ౨ ಅದರലಯย ಡมದ ඛಯಮಗಳ ಉಪීಧಗัಡ ಅಗತ฿ಜರದ ಅಂಥ ಆඃಶಗำ, ಚචಗำ ಮൡ౨ ඛඃბಶನಗಳඝ౬ ค೧ಸౣ ฑಗำ, ನ෩චಗำ, ಆඨษඨ ಪ ౾ ಗำ, ೕಟბฯಗำ, ಸಯ ಄ಂದ ಗಳඝ౬ ඛൽბಷౣ ಪലವ ෩ಲಕ ຄರലಸಬൿ ಟ ಅඋ ඃಶವඝ౬ ೦คತัಸฤ ඛೕ೧ತฃದ ಅಂಥ ಅඌ౽คಗำ ಮൡ౨ ಇತರ ಎม ವ ౾౨ ಗำ ಅಂಥ ಆඃಶಗಳඝ౬ , ಚචಗಳඝ౬ ಟ ඛඃბಶನಗಳඝ౬ ඩยಸತಕౙ ൿ౪ .
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17. ඛಯಮಗಳ ರಚකඌ౽ರ.-(1) ฃಜ ಸ౽ბರโ, ಸ౽ბค ฃಜ ಪತ ದย ಅඌಚචಯ ෩ಲಕ, ಈ ಅඋ ඃಶದ ಉං౪ ೕಶಗಳඝ౬ ಈസคโದ౽ౙ ಜ ඛಯಮಗಳඝ౬ ರಸಬಹൿ.
(2) ಈ ಪ ಕರಣದ ෩ಲಕ ಪ ದತ౨ ฿ದ ඛಯಮಗಳඝ౬ ರವ ಅඌ౽ರโ තವბ ಪ ಕಟൕಯ ತฆ฿ಯ ಡಬർದ ඛಯಮಗಳ ಷರൟ౨ ಡ ಒಳಪഔౣ ರತಕౙ ൿ౪ .
(3) ಈ ಅඋ ඃಶದ ಅലಯย ರದ ಪ ൟಂൿ ඛಯಮ ಅಥ฿ ಅඌಚචಯඝ౬ , ಅದඝ౬ ರದ ತฆ฿ಯ ಧ ฿ದౣ ಗඡ ฃಜ เඋನಡಲದ ಪ ൟಂൿ ಸದನದ ෨ಂං, ಅൿ ಅඌๆಶನದย ฆ฿ಗ ಒഖౣ ෩ವൡ౨ ൽನಗัಛಜ ಒಳತಂലರಬർದ ಒಂൿ ಅಥ฿ ಎರഴ ಅಥ฿ ກ ನ ඛಕജೕತ౨ ರ ಅඌๆಶನಗಳย ലಸತಕౙ ൿ౪ ಮൡ౨ ಅದඝ౬ ಡ ඛಕജೕತ౨ ರ ಅඌๆಶನಗำ ෨౽౨ ಯ฿ಞವ ෮ದฤ, เඋನಡಲದ ಉಭಯಸದನಗำ ඛಯಮದย ෴โඃ ඩბഖಡಃಂൿ ಒඪ౭ ದฉ ಅಥ฿ ඛಯಮವඝ౬ ರಸರංಂൿ ൟೕბඛದฉ, ಆ ತฆ฿ಯ ಅಂಥ ඛಯಮโ ದූბඝರ ಡ ඩბഓದ คೕൟಯย ತ ಪค൏ಮ౽ค෴ಗತಕౙ ൿ౪ ಅಥ฿ ಪค൏ಮ౽ค෴ಗತಕౙ ದ౪ ಲ . ಆർಟ , ಅಂಥ ඩბഖ ಅಥ฿ ರದ౪ ൟ ಆ ඛಯಮದ ಅಥ฿ ಅඌಚචಯ ಅലಯย ಈ ಂං ലದ ෴โඃ ౽ಯბದ ಂඎತ౷ ಃౙ ಧಕ฿ಗತಕౙ ದ౪ ಲ .
൭ವฑඊ ಡຄ ೕഡ ಕකბಟಕದ ฃಜ ඩಲฆ ಕකბಟಕ ฃಜ ඩಲರ ಆඃ๎ඝರ ಮൡ౨ ಅವರ ກಸคನย , ೧. ๏ ೕಧฑ ಸ౽ბರದ ౽ಯბದ๏ბ ಸൽೕಯ ವ ವರಗำ ಮൡ౨ ๎ಸನ ರಚච ಇมಒ.
13 DEPARTMENT OF PARLIAMENTARY AFFAIRS AND LEGISLATION SECRETARIAT NOTIFICATION NO: DPAL 03 SHASANA 2025, BENGALURU, DATED:12.02.2025 ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕ ಮಗಳ ಪ ൟීಧಕ) ಅඋ ඃಶ, 2025 ರ ಬ ವค ൟಂಗಳ 12ඡ ൽකಂಕඈൿ ฃಜ ඩಲರ ಒඪ౭ ಡ අฉൟൿ౪ , ನ ൟำವัಃಛಜ ಇದඝ౬ 2025 ರ ಕකბಟಕ ಅඋ ඃಶ ಒ : 02 ಎಂ්ർಜ ಪ ಕഔಸฤ ಟ ූರತ เඋನದ ಅඝ ೕದ 348ರലಯย ฃಜ ඩಲคಂದ ಅඌಂತತัದ ಸದค ಅඋ ඃಶದ ಆಂಗ ූಂತರವඝ౬ ಕකბಟಕ ฃಜ ಪತ ದ เ๕ಷ ಃಯย (ූಗ IV-A) ಪ ಕഔಸಃಂൿ ಆඃ๏ಸมಜං,- KARNATAKA ORDINANCE NO. 02 OF 2025 THE KARNATAKA MICRO LOAN AND SMALL LOAN (PREVENTION OF COERCIVE ACTIONS) ORDINANCE, 2025 (Promulgated by the Governor of Karnataka in the seventy sixth year of the Republic of India and first published in the Karnataka Gazette Extra-ordinary on the 12th day of February, 2025) An Ordinance to protect and relieve the economically vulnerable groups and individuals, especially farmers, women and women’s self help groups from the undue hardship of usurious interest rates and coercive means of recovery by Micro Finance Institutions or Money Lending Agencies or Organizations operating in the state of Karnataka and for matters connected therewith and incidental thereto.
And whereas, the Karnataka Legislative Assembly and Karnataka Legislative Council are not in session, and the Hon’ble Governor of Karnataka is satisfied that the circumstances exist which render it necessary and expedient to exercise powers under Article 213 (1) of the Constitution of India, and promulgate the following Ordinance, namely:-
1. Short title, commencement and application.-(1) This Ordinance may be called the Karnataka Micro Loan and Small Loan (Prevention of Coercive Actions) Ordinance, 2025.
(2) It shall come into force at once.
(3) Nothing in this Ordinance shall be applicable to any banking or Non Banking Finance Company (NBFC) registered with RBI.
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(4) The provisions of this Ordinance shall be in continuation of and not in derogation of any existing law for the time being in force.
2. Definitions.- (1) In this Ordinance, unless the context otherwise requires,-
(a) "Borrower" means an individual or a Self Help Group (SHG) or Joint Liability Group (JLG) or group of individuals who avail money in the form of a loan for any purpose from Micro Finance Institutions or Money Lending Agencies or Organizations or Lender under an agreement either orally or in writing with terms and conditions that the money shall be repaid within a certain period of time.
(b) "Coercive Action" means the Coercive Action as explained in section 8.
(c) "Interest" for the purposes of the terms defined under the provisions of this Ordinance means a return on the amount lent by the Micro Finance Institutions or Money Lending Agencies or Organizations or Lender in cash or kind as the case may be, to a Borrower and includes interest charged on daily, weekly, monthly or yearly basis;
(d) "Loan" means an advance or hand loan whether of money or in kind such as seed, fertilizer, etc, given to the borrower at interest explicitly or otherwise.
(e) “Lender” includes Micro Finance Institutions (MFI) or Money Lending Agencies or Organizations and any partnership firm or person or group of persons or digital lending platform whose principal or incidental activity is to lend money or offer financial support of whatsoever nature, in cash or kind to earn profit by charging interest on daily, weekly, monthly or yearly basis.
(f) "Registering Authority" means the Deputy Commissioner of the concerned District:
Provided that, the State Government may by notification appoint such other designated officer as Registering Authority.
(g) "Vulnerable section of the society" means and includes farmers, women, self help group of women, agricultural labours, workmen, footpath vendors, other vendors who move from one place to other, worker working in milk dairy, construction workers, migrant workers, those group of 15 people who are disadvantaged as compared to others mainly on account of reduced access to their basic services and the underlying determinants of health, housing sanitation etc. and the people who are economically backward, low on livelihood patterns with no regular source of income.
(2) Words used but not defined in this Ordinance, shall have the same meanings respectively assigned to them in the relevant Acts and rules made thereunder.
3. Registration of Micro Finance Institute or Money Lending Agencies or Organizations or Lender.- (1) All Micro Finance Institutions or Money Lending Agencies or Organizations or Lender operating in the State of Karnataka as on the date of the commencement of this Ordinance, shall within thirty days from the date of commencement of this Ordinance, apply for registration before the Registering Authority of the district specifying there in the villages or towns in which they have been operating or propose to operate, the rate of interest being charged, system of conducting due diligence and system of effecting recovery and list of persons authorized for conducting the activity of lending or recovery of money which has been lent and the name and address of the borrower, the total principal amount lent to the borrower, the amount already recovered from the borrower, the balance amount yet to be recovered from the borrower, and a written undertaking that it shall always act in conformity with the provisions of this Ordinance.
(2) No Micro Finance Institutions or Money Lending Agencies or Organizations or Lender operating or intending to start the business of lending money after the commencement of this Ordinance shall grant any loans or recover any loans without obtaining registration under this Ordinance from the Registering Authority.
(3) The Registering Authority shall verify the details furnished by the Micro Finance Institutions or Money Lending Agencies or Organizations or Lender and accord registration in such manner as may be specified for operation of Micro Finance Institutions or Money Lending Agencies or Organizations or Lender for a period of one year.
(4) Where the Micro Finance Institutions or Money Lending Agencies or Organizations or Lender applies for renewal of registration, an application for that purpose shall be filed by the Micro Finance Institutions or Money Lending Agencies 16 or Organizations or Lender within sixty days before the expiry of the period of one year referred to in sub-section (3) and the Registering Authority shall decide either to grant renewal or refuse renewal of registration at least fifteen days before the date of expiry of registration, after due verification of the performance of the Micro Finance Institutions or Money Lending Agencies or Organizations or Lender in the field level and after hearing objections, if any, from the general public regarding extension of registration.
(5) Every Registering Authority shall maintain registers as specified for the area under its jurisdiction of all Micro Finance Institutions or Money Lending Agencies or Organizations or Lender having valid registration.
4. Power to cancel or suspend Registration.- (1) The Registering Authority may, at any time, either suo-motu or upon receipt of complaint by a borrower cancel or recommend to cancel the registration of a Micro Finance Institution or Money Lending Agencies or Organizations or Lender after hearing and after assigning sufficient reasons in writing for such cancellation and no order of cancellation of the registration shall be passed without issuing notice to the Micro Finance Institution (MFI) or Money Lending Agencies or Organizations or Lender intimating the facts upon which the prima-facie decision to cancel the registration has been taken and the Micro Finance Institution (MFI) or Money Lending Agencies Organizations or Lender shall be afforded a reasonable opportunity of being heard against such notice.
Explanation: For the purposes of sub-section (1), conviction of a Micro Finance Institution (MFI) or Money Lending Agencies or Organizations or Lender for an offence of violation of any of the provisions of this Ordinance shall be sufficient cause for cancellation or recommend to cancellation of its registration.
(2) Pending enquiry under sub-section (1), the Registering Authority may, for sufficient reasons to be recorded, suspend the registration, of a Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender.
5. Lending Norms.- The Government may, by notification, specify the lending norms, collection and recovery practices.
6. Micro Finance Institutions or Money Lending Agencies or Organizations or Lender not to seek security.- No Micro Finance Institution (MFI) or Money Lending Agencies or Organizations or Lender shall seek any security from a borrower by way of pawn, pledge or other security for the loan:
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Provided that, any such security obtained from a borrower before the date of commencement of this Ordinance shall forthwith stand released in favor of the borrower.
Explanation: For the Purpose of this Ordinance “security” means, any form of collateral.
7. Transparency in rates of interest charged by Micro Finance Institutions or Money Lending Agencies or Organizations or Lender.- (1) There shall be only four components in the pricing of the loan viz. the interest charge, the processing charge,the insurance premium and delayed penal payment.
(2) There shall be a standard loan agreement as specified.
(3) Micro Finance Institutions or Money Lending Agencies or Organizations or Lender shall provide the borrower a loan card reflecting.-
(i) the effective rate of interest charged;
(ii) all other terms and conditions attached to the loan;
(iii) information which adequately identifies the borrower; and
(iv) acknowledgements by the Micro Finance Institution (MFI) of all repayments including installments received and the final discharge;
(v) all entries in the Loan Card shall be in Kannada.
(4) The effective rate of interest charged by Micro Finance Institution (MFI) or Money Lending Agencies or Organizations or Lender shall be prominently displayed in all its offices and in the literature issued by it and on the website.
(5) All borrowings by a borrower from Micro Finance Institutions (MFI) or the Money Lending Agencies or Organization or Lender shall be entered in the manner, wherein the process of sanction and disbursement of loans shall comply that,-
(i) all communications to the borrower shall be in the kannada;
(ii) Loan application forms shall include necessary information which may affect the interest of the borrower, so that a meaningful comparison with the terms and conditions offered by other Micro Finance Institutions (MFI) or Money Lending Agencies or Organization or Lender can be made and a proper decision can be taken by the borrower. The loan application 18 form shall indicate the documents required to be submitted with the application form.
(6) Every Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall keep and maintain a cash book, a ledger and such other books of account as may be specified.
(7) Every Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall deliver or cause to be delivered, to the borrower within one day before the date on which a loan is made, a statement in the specified form showing in clear and distinct terms the amount and date of the loan and of its maturity, the name and address of the functionary of the Micro Finance Institution (MFI) or the Money Lending Agencies or Organization or Lender and the effective rate of interest charged;
(8) Every Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall have a registered office in the local area.
(9) No Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall receive any payment from a borrower on account of any loan without giving him/her a duly signed receipt for the payment.
(10) A Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall, on a demand in writing by the borrower, supply a copy of any document relating to a loan obtained by him/her, or if the borrower so requires, to any person specified in that behalf in the demand:
Provided that, in respect of loans given prior to the commencement of this Ordinance, it shall be obligatory for the lender to specify if any security was accepted from the borrower.
(11) Every Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall submit a quarterly Statement and annual statement to the Registering Authority before 10th day of ensuing quarter and financial year as the case may be, giving therein the list of borrowers, the loan given to each and the interest rate charged on the repayment made.
(12) The Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender who fails to submit the quarterly Statement and annual statement shall be punishable with imprisonment for period of six months or with fine which may extend to Ten Thousand rupees or with both.
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8. Penalty for coercive actions against Micro Finance Institutions (MFI).- Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall not use any coercive action either by itself or by its agents for recovery of money from the borrower and any form of coercive recovery shall be liable for punishment under the provisions of this Ordinance and empower the Registering Authority to suspend or cancel the Registration of such Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender as provided under the provisions of this Ordinance.
Explanation: For the purposes of this section, "coercive Action" by a Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender against the borrowers include the following, namely:-
(i) exerting pressure or obstructing or using violence to or insulting or intimidating the borrower or his/her family members, or
(ii) persistently following the borrower, his/her family member from place to place or interfering with any property owned or used by him/her or depriving him/her of, or hindering him/her in the use of any such property, or
(iii) frequenting the house or other place where the borrower resides or works, or carries on business, or happens to be, with an intension of taking coercive action,or
(iv) using the service of private or outsource or external agencies, criminal background to negotiate/urging the borrower to make payment using coercive and undue influence, or
(v) Seeking to take forcibly any document from the borrower which entitles the borrower to a benefit under any Government programme.
9. Power to require production of records or documents and power of entry, inspection and seizure.- (1) The Registering Authority or any officer authorized by him/her in this behalf may, to verify whether the business of the Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender is being carried on in accordance with the provisions of this Ordinance, enter the premises of the Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender office or of any person who in his/her opinion is carrying on the business of lending and call upon him/her to produce any record 20 or document relating to such business and every such Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender shall allow such inspection and produce such record or document during such inspection and as and when required.
(2) The Registering Authority may, for the purposes of sub-section (1) search the premises and seize any record and document as may be necessary and the record or document seized shall be retained only for such period as may be necessary for the purposes of examination, prosecution or other legal action.
(3) The Registering Authority or the other officer referred to in sub-section
(1), shall also have power to summon and examine the Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender any person who in his/her opinion is in a position to furnish relevant information.
10. Complaints.- A complaint can be filed regarding violation of the provision of this Ordinance by a Micro Finance Institution (MFI) or Money Lending Agencies or Organization or Lender before the concerned/ jurisdictional police station and the concerned police officer. No police officer shall refuse to register a case:
Provided that, a Police officer not below the rank of Deputy Superintendent of Police shall be empowered to file a suo-moto case.
11. Appointment of an Ombudsperson.- The Government may by notification, appoint an Ombudsperson who can act as mediator between the borrower or lender, for settling the disputes.
12. Penalty for contravention of section 8 of the Ordinance.- Any person who contravenes of section 8 of this Ordinance, shall be tried and punishable by the Judicial Magistrate First Class, with imprisonment for a term which may extend to ten years and with fine which may extend to rupees five lakh. The offences under this Ordinance are cognizable and non-bailable.
13. Every officer to be public servant.- Every officer of the Government and every person acting under the provisions of this Ordinance shall be deemed to be a public servant within the meaning of sub-section (28) of section 2 of the Bharatiya Nyaya Sanhita, 2023.
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14. Relief to borrower from coercive action by the unlicensed and unregistered Micro finance institutions or Money Lending Agencies or Organizations or Lender.- Notwithstanding anything in any law for the time being in force or in any contract or instrument having force by virtue of any such law and save as otherwise expressly provided in this Ordinance, with effect from the date of commencement of this section,-
(a) Every loan advanced before the commencement of this section including the amount of interest, if any, payable by the borrower to Micro finance institutions or Money Lending Agencies or Organizations or Lender shall be deemed to be wholly discharged for "Vulnerable section of the society" if the Micro finance institutions or Money Lending Agencies orOrganizations or Lender are unregistered and unlicensed.
(b) No Civil Court shall entertain any suit or proceeding against the borrower for the recovery of any amount of such loan including interest, if any:
Provided that, where a suit or proceeding is instituted jointly against the borrower and any other person nothing in this section shall apply to the maintainability of the suit or the proceeding in so far as it relates to such other person.
(c) All suits and proceedings (including appeals, revisions, attachments or execution proceedings) pending on the said date against any borrower for the recovery of any such loan shall abate.
15. Power to remove difficulties.- If any difficulty arises in giving effect to the provisions of this Ordinance, the State Government may, by an order, published in the Official Gazette, make such provisions not inconsistent with the provisions of this Ordinance which appear to it to be necessary or expedient for the purposes of removing the difficulty:
Provided that, no such order shall be made under this section after the expiry of the period of two years from the date of commencement of this Ordinance.
16. Power to give directions.- The Government may, from time to time, issue such orders, instructions and directions by specifying the Registers, Forms, Online procedures, Portals, Help Centers not inconsistent with the provisions of this Ordinance and the rules made thereunder to the officers, Micro Finance 22 Institutions (MFI) or Money Lending Agencies or Organizations, borrower, lender for the purpose of proper implementation of the Ordinance and such officers and all other persons employed in the enforcement of the Ordinance, shall comply with such orders, instructions and directions.
17. Power to make rules.-(1) The State Government may, by notification in the Official Gazette make rules to carry out the purposes of this Ordinance.
(2) The power to make rules conferred by this section shall be subject to the condition of the rules being made after previous publication
(3) Every rule or notification made under this Ordinance shall be laid as soon as may be after it is made, before each House of the State Legislature while it is in session, for a total period of thirty days which may be comprised in one session or in two or more successive sessions and if before the expiry of the session immediately following the session or the successive sessions aforesaid, both Houses agree in making any modification in the rule or notification or both Houses agree that the rule or notification should not be made, the rule or notification shall, from the date on which the modification or annulment is notified have effect only in such modified form or be of no effect as the case may be; so, however, that any such modification or annulment shall be without, prejudice to the validity of anything previously done under that rule or notification.
The above translation of ಕකბಟಕ ౾ฆ (Micro) ಲ ಮൡ౨ ಸಣ౧ ಲ (ಬಲ๋ತದ ಕ ಮಗಳ ಪ ൟීಧಕ) ಅඋ ඃಶ, 2025 (2025 ರ ಕකბಟಕ ಅඋ ඃಶ ಒ :02) be published in the official Gazette under Article 348 of the Constitution of India.
THAAWARCHAND GEHLOT GOVERNOR OF KARNATAKA By Order and in the name of the Governor of Karnataka, G. Sridhar Secretary to Government Department of Parliamentary Affairs and Legislation ಮುದÎಕರು ²ಾಗೂ ಪÎ�ಾಶಕರು:- ಸಂಕಲ£ಾĩ�ಾĸಗಳ�, ಕ£ಾ�ಟಕ ªಾಜÍಪತÎ, ಸ�ಾ�ĸ �ೇಂದÎ ಮುದÎ�ಾಲಯ, ¦ೆಂಗಳ�ರು R.N.I. No. KARBIL/2001/47147 POSTAL REGN. No. RNP/KA/BGS/2202/2017-19 Licensed to post without prepayment WPP No. 297 2025-02-12T18:57:26+0530 THAMMAIAH