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Short title ex- tent and coin. menmment.

Saving.

No. 3118/XVII-VI-58-76

Dated Luchnow, July 20, 1976

IN pursuance of the provisions of clause (3) of Article 348 of the Consti;,7 tution of India, the Governor is pleased to order the publication of the following:;$7: English translation of the Uttar Pradesh Sahukari Viniyaman Adhiniyam, 1976%l (Uttar Pradesh Adhiniyam Sankhya 29 of 1976) as passed by the Uttar Prades1CT Legislature and assented to by the President on July 17, 1976 : ,t

THE UTTAR PRADESH REGULATION OF MONEY-LENDING ACT, 1976

[U. P. Acr No. 29 OF 1976] (As passed by the Uttar Pradesh Legislature)

AN ACT

to provide, in the interest of the general public, for the regulation of moner lending transactions and for the registration of money-lenders, and foil matters connected therewith, or incidental thereto.

IT is HEREBY enacted in the Twenty-seventh Year of the Republic of India, as follows :— •

CHAPTER I

Preliminary

I. (1) This Act may be called the Uttar Pradesh Regulation of Money.:, Lending Act, 1976.

It extends to the whole of Uttar Pradesh.

It shall conic into force on such date as the State Government may, notification appoint in this behalf.

2. (1) Nothing in this Act shall apply to or in respect of—

(a) any bank or a cc-operative society ;

(6) any loan or advance to or by or deposit with the Government of•-,,4 any local authority, the Life Insurance Corporation of India or other statutory corporation or a public company (as defined in th.el?l,, Companies Act, 1936), or the Government Post Office Saving Bank ; J.

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39't SralT 4111TURTIT E, 2 0 ylt, 1976 9 Q,

the purchase or sale or other transfer of any securities (not includ- ing mortgage of immovable property) in which a trustee may, under any law for the time being in force, invest trust-money;

any loan to a subscriber to. or a depositor in a provident fund to which the Provident Funds Act, 1925 applies, or any recognised pro- vident fund as defined in clause (38) of section 2 of the Income Tax Act, 1961 or the public provident fund established under the Public Provident Fund Act, 1968, from the amount standing to his credit in the fund in accordance with the rule of such fund;

any agreement referred to in section 3 of the Uttar Pradesh Public Moneys (Recovery of Dues) Act, 1972;

CO any loan, advance or deposit against a hundi or other bill of exchange (as defined in the Negotiable Instruments Act, 1881), or a document of title to goods (as defined in the Indian Sale of Goods Act, 1930) ;

any loan or advance to, or by, or a deposit with any society or association registered under the Societies Registration Act, 1869, or any other enactment relating to a public, religious or charitable object;

any loan advanced to a Government servant from a fund estab- lished for the welfare or assistance of such servants and which is sanc- tioned by the Government.

(2) Nothing in section 12 shall apply in respect of any loan of a sum exceeding rupees five thousand advanced to a registered money-lender or to a ontractor or any other person carrying on any profession, trade or industry.

3. In this Act—

(1) 'bank' means—

a banking company as defined in the Banking Regulation Act, 1949;

the State Bank of India constituted under the State Bank of India Act, 1955 ;

a subsidiary bank as defined in the State Bank of India (Subsidiary Bank) Act, 1959 ;

a "corresponding new bank" constituted under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970;

a regional rural bank established under sub-section (1) of section 3 of the Regional Rural Banks Act, 1976;

any banking institution notified by the Central Government under section 51 of the Banking Regulation Act, 1949; or

any other banking or financial institution notified by the State Government as a bank for the purposes of this Act;

(2) 'business of money-lending' means the business of advancing loans, whether or not in connection with or in addition to any other business;

(3) 'co-operative society' means a co-operative society as defined in the 'Uttar Pradesh Co-operative Societies Act, 1965;

(4) 'interest' in relation to a loan, includes any sum, by whatever name called in excess of the principal, paid or payable to a money-lender in consideration of or otherwise in respect of the loan, but does not include any sum lawfully charged by a money-lender for or on account of costs, charges or expenses in accordance with the provision of this Act or any "other law for the time being in force;

Definitions.

ear Eran “tarot tree, 20 and, 197s > if (c) the purchase or sale or other transfer of any securities (not includ— ing mortgage of immovable property) in which a trustee may, under any law for the time being in force, invest trust-money; (d) any loan to a subscriber to. or a depositor in a provident fund to which the Provident Funds Act, 1925 applies, or any recognised pro« vident fund as deﬁned in clause (38) of section 2 of the Income Tax Act, 1961 or the public provident fund established under the Public Provident Fund Act, 1968, from the amount standing to his credit in the fund in accordance with the rule of such fund; (e) any agreement referred to in section 3 of the Uttar Pradesh Public Moneys (Recovery of Dues) Act, 1972; (i) any loan, advance or deposit against a hundi or other bill of exchange (as deﬁned in the Negotiable Instruments Act, 1881), or a document of title to goods (as deﬁned in the Indian Sale of Goods Act, 1930) ; (g) any loan or advance to, or by, or a deposit with any society or association registered under the Societies Registration Act, 1869, or any other enactment relating to a public, religious or charitable object; (It) any loan advanced to a Government servant from a fund estab~ lished for the welfare or assistance of such servants and which is sanc- tioned by the Government. (2) Nothing in section 12 shall apply in respect of any loan of a sum xceeding rupees ﬁve thousand advanced to a registered money-lender or to a c-bntractor or any other person carrying on any professron, trade or industry. 3. In this Act— (1) ‘bank’ means— (a) a banking company as deﬁned in the Banking Regulation Act, 1949; . (b) the State Bank of India constituted under the State Bank of India Act, 1955; (c) a subsidiary bank as defined in the State Bank of India (Subsidiary Bank) Act, 1959 ; (d) a “corresponding new bank" constituted under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970; (e) a regional rural bank established under sub-section (1) of section 3 of the Regional Rural Banks Act, 1976; (f) any‘banking institution notiﬁed by the Central Government under section 51 of the Banking Regulation Act, 1949 ; or (g) any other banking or ﬁnancial institution notified by the State Government as a bank for the purposes of this Act; (2) ‘business of money-lending’ means the business of advancing loans, whether or not in connection with or in addition to any other business ; (3) ‘cooperative society’ means a cooperative society as deﬁned in the ‘Uttar Pradesh Co—operative Societies Act, 1965: (4) ‘interest’ in relation to a loan, includes any sum, by whatever name called in excess of the principal, paid or payable to a money-lender in consideration of or otherwise in respect of the loan, but does not include any sum lawfully charged by a money-lender for or on account of costs, charges or expenses in accordance with the provision of this Act or any other law for the time being in force: Deﬁnitions.

3'97 OST MiTZTRur TT, 20 Mgtht, .1976

'loan' means an advance at interest whether of money or in kind, and includes any transaction which is in substance a loan, but does not include sale of any goods by a dealer in such goods whether on credit or on hire-purchase;

'money-lender' means a person who carries on the business of money-lending;

'principal', in relation to a loan, means advanced to the debtor;

'registration' means registration under this Act, and 'registered' shall be construed accordingly.

CHAPTER II

the amount actually

Registration Authorities.

Power to ins- pect account and other records.

Appointment of Officers

(1) The State Government may, by notification, appoint a Registrar. General of Money-lending (hereinafter referred to as the Registrar General) ' who shall have jurisdiction throughout Uttar Pradesh, and as many Registrars', of Money-lending (hereinafter referred to as Registrars) or Deputy Registrars.• of Money-lending (hereinafter referred to as Deputy Registrars), and Assistant, Registrars of Money-lending (hereinafter referred to as the Assistant Registrars) ;;1. as it thinks fit, each having jurisdiction over such area as may be specified. • -

(2) The Registrar General shall have the superintendence, direction and.' control of and over Registrars, Deputy Registrars and Assistant Registrars in,;Y+ the performance of their functions under this Act.

The Registrar General, the Registrars, the Deputy Registrars and thel Assistant Registrars shall have such powers of inspection in respect of the-f accounts and other records of the business of money-lending carried on by any- person. and such other powers as may be prescribed.

Every Registrar shall maintain for the area within his jurisdiction, a.:tc register of money-lender in such form and containing such particulars as be prescribed. •

CHAPTER III

Certificate Registration.

Registration of Money-lenders

of 7. (1) Any person carrying on the business of money-lending on the clate, of commencement, of this Act wishing to carry on such business after snail* commencement, in any part of Uttar Pradesh may apply to the Registrar witliilLA the local limits of whose jurisdiction he has his principal place of such busine5s. and where his principal place of business is situated outside Uttar PradesIS to any Registrar within the local limits of whose jurisdiction he carries on Or's proposes to carry on his business, for registration as a money-lender under; this Act:

TA-

Provided that any person carrying on the said business from before tlre, commencement of this Act may apply for registration under this Act withi01 three months from the date of such commencement.

The application shall be in such form and shall contain such pai. culars and shall be accompanied by a deposit of such fee, which shall be pal( ,

in such manner as may be prescribed.

The Registrar shall after satisfying himself that the application is conformity with the requirement of sub-section (2), and that the applican:S. is not a person against whom an order under section 16 or sub-section (2) '517F.:4 section 22 is for the time being in force, enter his name and other particulac

W•

in the register of money-lender referred to in section 6, and grant him a ce

ficate of registration in the prescribed form.

’7 a- sat 513:! W were, .20 71%me (5) 'loan’ means an advance at interest whether of money or in kind: and includes any transaction which is in substance a loan, but does not include sale of any goods by a dealer in such goods whether on credit or on hire-purchase ; (6) money-lender’ means a person who carries on the business oi. moneyilending ; ‘ ‘ (7) ‘principal’, in relation to a loan means the amount actuall advanced to the debtor; ’ Y- 1‘ ‘a (8) ‘registration’ means registration under this Act, and ‘registered" .‘1 shall be construed accordingly. »' CHAPTER 11 Appointment of Oﬁicer: Registration 4. (l) The State Government ma , b notiﬁcation, a oint a Re ‘str Authm‘m' _ General of Money-lending (hereinafter yrefeil‘red to as the Igggstrar GeEerall; who shall have jurisdiction throughout Uttar Pradesh, and as many Registrar; of Money-lending (hereinafter referred to as Registrars) or Deputy Registrars of Money-lending (hereinafter referred to as Deputy Registrars), 'and Assistant- Registrars of Money-lending (hereinafter referred to as the Assistant Registrars as it thinks ﬁt, each having jurisdiction over such area as may be speciﬁed. (2) The Registrar General shall have the superintendence, direction an control of and over Registrars, Deputy Registrars and Assistant Registrars i the performance of their functions under this Act. ’ Saw“ ‘0“ tiusé 5. The Registrar General, the Registrars, the Deputy Registrars and th gtheriggrdls. an Assistant Registrars shall have such powers of inspection in respect of th. accounts and other records of the business of money-lending carried on by an person, and such other powers as may be prescribed. Register of 6. Every Registrar shall maintain for the area within his jurisdiction, money-lenders. register of money-lender in such form and containing such particulars as ma be prescribed. CHAPTER III Registration of Money-lenders Certiﬁcate of 7. (1) Any person carrying on the business of money-lending on the date Reg‘smmn' of commencement of this Act wishing to carry on such business after sq commencement, in any part of Uttar Pradesh may apply to the Registrar with. the local limits of whose jurisdiction he has his principal place of such business} and where his principal place of business is situated outside Uttar Prades to any Registrar within the local limits of whose jurisdiction he carries on . proposes to carry on his business, for registration as a money-lender under this ‘Act : Provided that any person carrying on the said business from before 1: commencement of this Act may apply for registration under this Act wtd} three months from the date of such commencement. ’ (2) The application shall be in such form and shall contain such par. culars and shall be accompanied by a deposit of such fee, which shall be Pal in such manner as may be prescribed. (3) The Registrar shall after satisfying himself that the application is , conformity with the requirement of sub-section (2), and that the apphca is not a person against whom an order under section 16 or sub-section .(2) section 22 is for the time being in force, enter his name and other particu a in the register of money-lender referred to in section 6, and grant‘him 21 Gem ﬁcate of registration in the prescribed form.

39R tikt sitrUrret NtE, 20 'ziviij, 1976 •

(4) Such certificates shall be valid throughout Uttar Pradesh and shall, 6j.

it unless cancelled or suspended earlier under this Act, remain in force for a 1.period of one year from the date of its commencement, and the money-lender shall, on payment of such fee as may be prescribed, be entitled to renew of his

?certificate, unless the Registrar, for sufficient cause, refuses to renew the certificate:

it Provided that no order refusing to renew a certificate shall be passed except after giving to the money-lender an opportunity of showing cause.

8. (1) The Registrar may, at any time, for sufficient cause cancel or Cancellation and suspend a certificate of registration granted under section 7 : suspension of certificate of re-

Provided that no order cancelling a certificate shall be passed except after gistratioi. giving to the money-lender an opportunity of showing cause.

(2) Where any certificate of registration is suspended or cancelled under sub-section (1), no person shall be entitled to any compensation or to refund of any registration fee.

Any person aggrieved by an order of the Registrar refusing to grant Appeal. a certificate under section 7 or cancelling or suspending it under section 8, may

: within thirty days from the date of such order prefer an appeal against the order to the Registrar General, who may thereupon pass such orders as he thinks fit.

CHAPM1 IV

Duties and Obligations of Money-lenders

(1) No person shall carry on the business of money-lending, unless he Restriction on business holds a valid certificate of registration :

of money-lending.

Provided that a person referred to in the proviso to sub-section (1) of f Section 7 may, subject to other provisions of this Act, continue to carry on such

business for the period mentioned in that proviso and thereafter until his application for registratics is refused.

(2) Every registered money-lender shall display his certificate of registra- tion in such manner as may be prescribed.

(1) Every registered money-lender raising money by deposits from .Maintenance of

l the public, shall maintain by way of liquid assets an amount which shall not, iquid assets. at the close of the business on any day, be less than twenty-five per cent of his

-outstanding liabilities in respect of such deposits.

(2) No money-lender, referred to in sub-section (1) , shall, at any time have invested in an unsecured loan which shall, at the close of the business on any day, be more than fifty per cent of the deposits held by him or double the

k• amount of liquid assets maintained by him, whichever is greater.

Explanation—For the purposes of this section, the expression 'liquid assets', in relation to a money-lender, means—

balance of cash with the money-lender; or

any amount held by him in a current or any other deposit account with a scheduled bank; or

investment by him in unincumbered securities (not including mortgage of immovable property) in which trustee may, under any law for the time being in force, invest trust money.

12. (1) Notwithstanding anything contained in any decree, order, custom, Maximum rate of contract or other instrument or any other law for the time being in force, no

interest. . money-lender shall in respect of any loan, whether advanced before or after

the commencement of this Act, be entitled to interest exceeding such rates as may be notified under sub-section (2) .

(2) The State Government may from time to time, after considering the rate of interest normally charged by scheduled banks for commercial loans, notify the maximum rates of interest that may be charged by moneylenders:

-219

‘ an: new mm, 20 sin-ti, 1976 11 (4) Such certiﬁcates shall be valid throughout Uttar Pradesh and shall nless cancelled or suspended earlier under this Act, remain in force for :i period of one year from the date of its commencement, and the money-lender hall, on payment of such fee as may be prescribed, be entitled to renew of his artiﬁcate, unless the Registrar, for sufﬁcient cause, refuses to renew the certiﬁcate : Provided that no'order refusing to renew a certiﬁcate shall be passed except (after g1v1ng to the money-lender an opportunity of showing cause. . 8. (l) The Registrar may, at any time, for sufﬁcient cause cancel or Cancellationand suspend a certiﬁcate of registration granted under section 7 : Suspension of .1 - certiﬁcate of re- Provided that no order cancelling a certiﬁcate shall be passed except after gistranon. giving to the money-lender an opportunity of showing cause. (2). Where any certiﬁcate of registration is suspended or cancelled under sub-section (1), no person shall be entitled to any compensation or to refund of any registration fee. 9. Any person aggrieved by an order of the Registrar refusing to grant Appeal. a certiﬁcate under section 7 or cancelling or suspending it under section 8, may within thirty days from the date of such order prefer an appeal against the order to the Registrar General, who may thereupon pass such orders as he thinks lit. CHAPTER IV Duties and Obligations of Money-lenders 10. (1) No person shall carry on the business of money-lending, unless he Rest-ﬁction on business of ' bpholds a valid certiﬁcate of registration : ' mmey_]endmg_ > Provided that a person referred to in the proviso to subsection (1) of section 7 may, subject to other provisions of this Act, continue to carry on such ,' business for the period mentioned in that proviso and thereafter until his application for registration is refused. (2) Every registered money-lender shall display his certiﬁcate of registra- _’- lion in such manner as may be prescribed. 11. 1 Eve re 'stered mone -lender raising money by deposits from _Mi}intenaDCe of ( ) ry g1 y t which shall not, "q“‘d 3559‘5‘ v, the public, shall maintain by way of liquid assets an amoun . .Ivat the close of the business on any day, be less than twenty—ﬁve per cent of 1115 i routstanding liabilities in respect of such deposits. ‘. (2), No money-lender, referred to in sub-section (1), shall, at any time 9 have invested in an unsecured loan which shall, at the close of the business on ~3 any day, be more than ﬁfty per cent of the deposits held by him or double the ' amount of liquid assets maintained by him, whichever 15 greater. Explanation—For the purposes of this section, the expression ‘liquid assets’, in relation to a money-lender, means— (a) balance of cash with the money-lender ; or (b) any amount held by him in a current or any other deposit account with a scheduled bank; or (6) investment by him in unincumbered securities (not including mortgage of immovable property) in which trustee may, under any law for the time being in force, invest trust money. ny decree, order, custom, Maximum rate 12. (1) Notwithstanding anything contained in a of interest. Contract or other instrument or any other law for the time being in force, no money-lender shall in respect of any loan, whether advanced before or after the commencement of this Act, be entitled to interest exceeding such rates as ‘ may be notiﬁed under sub-section (2) . (2) The State Government may from time to time, after considering the rate of interest normally charged by scheduled banks for commerclal loans, notify the maximum rates of interest that may be charged by money-lenders 2

12 7•T scam mittur'cut TIT?, 20 T:911, 1976 •••••

Provided that different rates may be notified for secured and• unsecured. loans.

(3) Any alteration in the rate of interest notified under sub-section (2), shall not affect the validity of any claim for interest made in respect of a loan., granted before such alteration.

Duties of a 13. (1) Every money-lender shall— Money-lender.

(a) mention or cause to be mentioned in every document evidencini•;; a loan advanced by him in the course of his money-lending business—.

the true principal amount; and

his registration number ;

(b) maintain such accounts, forms and registers as may be prescribed;.: and furnish to the Registrar such periodical returns as may be prescribed; i1

(d) on payment of the prescribed charges, furnish to the debtor such . documents or yearly statements of accounts as may be prescribed.

(2) A debtor to whom a document or statement of account has been. furnished under clause (d) sub-section (1), shall not be bound to acknowledge. or deny its correctness, and his failure to do so shall not, by itself, be deemed to be an admission of the correctness thereof.

Certain loans to be made only by cheques.

(1) Every loan advanced, after the commencement of this Act, by a money-lender shall be evidenced by a cheque, if the amount of such loan is one thousand rupees or more.

(2) Every transaction of money-lending in relation to a loan advanced contravention of sub-section (1) shall be void.

CHAPTER V

Procedure in Suits

Special provi- sions applicable to claims by money-lender.

(1) The provisibns of this section shall apply to every suit, whether heard ex pane or otherwise—

(a) by a money-lender for the recovery of a loan advanced after the-4 commencement of this Act;

by a money-lender for the enforcement of any security taken or any agreement, whether by way of settlement of account or otherwise, made - r• after the commencement of this Act in respect of any loan advanced* either before or after such commencement;

against a money-lender for the redemption of any security given to ir him after the commencement of this Act in respect of any loatr.;.' advanced either before or after such commencement.

(2) In any such suit, if the court finds that the money-lender's claim is un-7.-- true, wholly or in part, and that the money-lender has omitted to comply withi,t.it any of the requirements of sub-section (1) of section 13, the court may &hi; allow his costs and may also disallow the whole or any part of the interest due to him, and where the omission relates to the requirement of giving a receipt to the debtor for any payment made by him towards the loan, or where the principal amount was untruly stated by the money lender, may also disallow any .; part of the principal.

Cancellation or 16. (1) In any suit referred to in sub-section (1) of section 15, the court suspension of may, if it is of opinion, that the money-lender has wilfully committed a breach certificate by court of any of the provisions of this Act, cancel his certificate of registration deciding suit, etc. suspend it for such period as may be specified.

W? was: arm-amt we, 20 and, 1976 r _ . Provided that different rates may be notiﬁed for secured and'unsecumd loans. ‘ (5) Any alteration in the rate of interest notiﬁed under sub-section (2). shall not affect the validity of any claim for interest made in respect of 3. 10a granted before such alteration. Duties of a 13. (1) Every money-lender shall- Money—lender. , (a) mention or cause to be mentioned in every document evidencing"; a loan advanced by him in the course of his money-lending business—‘1 (i) the true principal amount; and (ii) his registration number; (6‘) maintain such accounts, forms and registers as may be prescribe and furnish to the Registrar such periodical returns as may be prescribed; (6) issue to the debtor or his agent a receipt attested by at least on witness for every payment made by him ; and (d) on payment of the prescribed charges, furnish to the debtor such documents or yearly statements of accounts as may be prescribed. . i (2) A debtor to whom a document or statement of account has been. . furnished under clause (11) sub-section (1) , shall not be bound to aclcnowle . or deny its correctness, and his failure to do so shall not, by itself, be deemed to be an admission of the correctness thereof. tociaréaigadelgill; l4. (1) Every loan advanced, after the commencement of this Act, by by cheques. money-lender shall be evidenced by a cheque, if the amount of such loan is on ’ thousand rupees or more. (2) Every transaction of money-lending in relation to a loan adVanced 1 contravention of sub-section (1) shall be void. Cerium V Procedure in Suits Special provl- 15. (1) The provisibns of'this section shall apply to every suit, whethel sions applicable . mtg or otherwise— to claims by heard (is [7 money-lender- (a) by a money-lender for the recovery of a loan advanced after the. commencement of this Act; (b) by a money<lender for the enforcement of any security taken or art agreement, whether by way of settlement of account or otherw1se, mad after the commencement of this Act in respect of any loan advanced either before or after such commencement; (c) against a money-lender for the redemption of any security given to. him after the commencement of this Act in respect of any loan advanced either before or after such commencement. (2) In any such suit, if the court ﬁnds that the moneydender's claim 18 gth true, wholly or in part, and that the money-lender has omitted to comply W5 anv of the requirements of sub-section (1) of section 13, the court may d 2111ti his costs and may also disallow the whole or any part of the interest .11 to him, and where the omission relates to the requirement of g-wmg a remit}: to the debtor for any payment made by him towards the loan, or.where . principal amount was untruly stated by the money lender, may also disallow any part of the principal. ' ' ' b-section (l) of section 15, the court‘ Cancellation or 16. (1) In any su1t referred to in su ‘ . . suspension of may, if it is of opinion, that the money-lender has wrlfully committed a. brew“;h “"iﬁcateby C"L“"iof any of the provisions of this Act, cancel l‘llS certiﬁcate of registration ‘ deciding suit, em‘ suspend it for such period as m'ay be speciﬁed.

v3tlt Ca7T MFTUTZ7 IT7T, 20 7..Mt, 1 976 13

(2) Each of the provisions of sub-section (2) of section 15, section 16 and section 22 are in addition to and not in derogation of any other of the said pro- visions-

18. No suit on the basis of any loan, agreement or security referred to in Bar of certain sub-section (I) of section 15 shall be instituted by a money-lender, unless he suits by money- at the time of any such loan or agreement made or security taken after the corn- lenders. mencement of this Act, holds a valid certificate of registration :

Provided that a suit for the enforcement of any loan, agreement or security made or taken before such commencement may be instituted or continued if the money-lender applied for registration under section 7 within a period of three months from the date of such commencement, and a certificate of regis- tration is issued to him.

19, Notwithstanding anything contained in any contract or any law for the time being in force, a suit by a money-lender for the recovery of any loan advanced to a person actually or voluntarily resiclinz or carrying on business or personally working for gain in Uttar Pradesh or interest due in respect thereof

. may, after the commencement of this Act, be instituted only in a court within ..;...nthe local limits of whose jurisdiction the debtor so resides or carries on business

or works for gain, and not in any other court :

Provided that in the case of co-debtors, the suit may be instituted in a cs court within the local limits of whose jurisdiction any of the co-debtors so

resides or carries on business or works of gain.

CHAPTER VI c. Deposit of Amount by Debtor

20. (1) A debtor may, at any time, tender to a money-lender any sum money payable by him to the money-lender in respect of a loan by way principal, interest, or both, whether the sum has become due or not.

If the money-lender refuses to accept any sum so tendered, the debtor L. may deposit, the sum in the court of 1)/funsif having territorial jurisdiction, r to the account of the money-lender.

The court shall thereupon cause written notice of the deposit to be . served on the money-lender, and he may, on presenting a petition stating the

sum then due in respect of the loan, and his willingness to accept the said sum, receive and appropriate it first towards the interest and the residue, if any,

r towards the principal.

It 21. Where the debtor had deposited in court any amount under section 20. Deposit to Operate asat?ie peraye.- the sum shall be deemed to have been paid to the money-lender, and interest m

c on the principal or on part thereof as the case may be, shall cease from the ditor. date of such deposit.

CHAPTER VII

Offences and Penalties

22. (1) Whoever wilfully contravenes any of the provisions of section 20 Penalties. or section 11, shall be punishable with imprisonment for a term which may extend to six months, or with fine which may extend to five thousand rupees or with both.

Any court convicting a person under sub-section (I) may also cancel his certificate of registration or suspend it for such period as may be specified, and any court of appeal or revision may stay the operation of any such order on such terms, if any, as it thinks fit, and may modify or annul such order.

No court shall take cognizance of an offence punishable under sub. ,,' section (1) except with the previous sanction of the Registrar.

(2) Any court of appeal or revision to which an appeal or revision has ; been preferred from the decision in any such suit may, for reasons to be recorded,

stay the operation of any order under sub-section (1) on such terms, if any, as it thinks fit, and may modify or annul such order.

17. (1) The Court making an order under section 16 or sub-section (1) of General provi- section 22, shall send a copy of its order to the Registrar by whom such certificate sions relating was issued, and the Registrar shall take necessary action accordingly. to orders under sections 16 and 2

Place of institu- tion of suits,

of Deposit in court . of money due to

oi money-lenders.

c__ _ _~ new was: aware: was, 20 stars, 1976 13 é (2) Any court of appeal or revision to which an appeal or revision has ” been preferred from the decision in any such suit may, for reasons to be recorded, q stay the operation of any order under subsection (1) on such terms, if any. as . it thinks fit, and may modify or annul such order. 17. (ll The Court making an order under section 16 or subsection (1) of : . General provi- section 22, shall send a copy of its order to the Registrar by whom such certiﬁcate Sious relating ;, - was issued, and the Registrar shall take necessary action accordingly. :gcttrigllfsrsmunadg ‘ ' 22. (2) Each of the provisions of sub-section (2) of section 15, section 16 and section 22 are in addition to and not in derogation of any other of the said pro- «. visions. 18. No suit on the basis of any loan, agreement or security referred to in Bar of certain f. sub—section (1) of section 15 shall be instituted by a money-lender, unless he suits by IIIODGY- " at the time of any such loan or agreement made or security taken after the com- lenders" mencement of this Act, holds a valid certiﬁcate of registration : Provided that a suit for the enforcement of any loan, agreement or security ._ made or taken before such commencement may be instituted or continued if the money-lender applied for registration under section 7 within a period of three months from the date oE such commencement, and a certiﬁcate of regis- tration 15 issued to him. )9. Notwithstanding anything contained in any contract or any law for {Place “WNW“ the time being in force, a suit by a money-lender for the recovery of any loan Ion 0f 5mm advanced to a person actually or voluntarily residing; or carrying on business or personally working for gain in Uttar Pradesh or interest due in respect thereof may, after the commencement of this Act, be instituted only in a court within the local limits of whose jurisdiction the debtor so resides or carries on business ' or works for gain, and not in any other court: Provided that in the case of co-debtors, the suit may be instituted in a court within the local limits of whose jurisdiction any of the co-debtors so resides or carries on business or works of gain. CHAPTER VI Deposit of Amount by Debtor 20, (l) A debtor may, at any time, tender to a money-lender any sum of_ ogggj‘egigugo‘g 5 money payable by him to the money-lender in respect of a loan by way of money-lenders. principal, interest, or both, whether the sum has become due or not. (2) If the money-lender refuses to accept any sum so tendered, the debtor _ may deposit, the sum in the court of Munsif having territorial jurisdiction, to the account of the money-lender. (3) The court shall thereupon cause written notice of the deposit to be served on the money-lender, and he may, on presenting a petition stating the sum then due in respect of the loan, and his willingness to accept the said sum, receive and appropriate it ﬁrst towards the interest and the residue, if any, towards the principal. 21. Where the debtor had deposited in court any amount under section 20, 0113:2356” as pg“ the sum shall be deemed to have been paid to the money—lender, and interest ment to the are, on the principal or on part thereof as the case may he, shall cease from the ditor. ' date of such deposit. CHAPTER Vll Oﬂences and Penalties . 22. (1) Whoever wilfully contravenes any of the provisions of section 20 Penalties. or section ll, shall be punishable with imprisonment ﬁor a term which may extend to six months, or with ﬁne which may extend to ﬁve thousand rupees or with both. (2) Any court convicting a person under sub-section (1) may also cancel his certiﬁcate of registration or suspend it for such period as may be specrﬁed, and any court of appeal or revision may stay the operation of any such order on such terms, if any, as it thinks ﬁt, and may modify or annul such order. (3) No court shall take cognizance of an offence punishable under sub» section (1) except with the previous sanction of the Registrar.

*14

3-6T situ ff MR* TiqTy 20 7rt, 1976

23. (1) Whoever molests, or abets the molestation of, a debtor - for the recovery of a debt due by him to a creditor shall, on conviction, be punishable' with imprisonment of either description which may extend to three months or with fine which may extend to five hundred rupees or with both.

Explanation—For the purposes of this sub-section a person who--

0 with intent to cause the debtor to abstain from doing any acF which he has right to do or to do any act which he has a right to abstain': from doing. obstructs or uses violence to or intimidates such debtor, or

(ii) being a money-lender or an agent or employee of money-lender, loiters on any pay day at or within fifty metres from the outer boundary or gate of the factory or office in which the debtor is employed, •

shall be deemed to molest such debtor.

.(2) Every offence punishable under sub-section (I) shall be cognizable.

by 24. (1) If the person committing an offence under this Act is a'‘ company, the company as well as every peison in charge of and. responsible to the company for the conduct of its business at the time of the commission oil • the offence sh.-.11 be deemed to be guilty of the offence and shall be liable to. be proceeded against and punished accordingly.

Provided that nothing contained in this sub-section shall render any such person liable to any punishment if he proves that the offence was committed without his knowledge or that he exercised all due diligence to prevent the commission of such offence.

(2) Notwithstanding anything contained in sub-section (I), where any offence under this section has been committed by a company and it is proved that the offence has been committed with the consent or connivance of, or that the • commission of the offence is attributable to any neglect on the part of any. .; managing agent, secretary, treasurer, director, manager or other officer of the ' company, such managing agent, secretary, treasurer, director, manager or other officer shall also be deemed to be guilty of that offence and shall be liable to • ' be proceeded against and punished accordingly.

Explanation—For the purposes of this section—

"company" means any body corporate, and includes a firm or: . other association of individuals, and

"director" in relation in a fain, means a partner in the firm.

Compounding of 25. (1) The Registrar General, and subject to his control, any Registrar. offences. may, either before or after the institution of proceeding for an offence4.-.

punishable under this Act, accept from any person charged with such offence, by way of composition of the offence a sum not exceeding one thousand iupees.

(2) On payment of such sum. no further proceeding shall he taken against, the accused person in respect of the same offence, and if in custody. he shall -•: be discharged, and such composition shall have the effect of an acquittal of. the accused with whom the' offence has been compounded.

CHAPTER VIII

Miscellaneous

26. (1) Every money-lender carrying on the business ol money-lending .,. from before the commencement of this Act shall submit to the Registrar, a statement in the prescribed form within a period of three months from the•• - date of such commencement.

(2) The statement referred to in sub-section (1) shall contain the parti- culars of debts due to each money-lender and of deposits made with him and' such other particulars as may be prescribed.

Every such statement shall be counter-signed, dated and sealed by the Registrar and shall be kept and maintained in the manner prescribed.

Notwithstanding anything contained in any contract, decree or order, '• or any other law for the time being in force, no money-lender shall be enti, tled to claim any amount from a debtor in respect of any loan advanced

Penalty for molestation of debtors.

Offences companies.

Particulars of debts and de- posits to be furnished by every money- lender.

14 an? 51-25: mmrrw‘rrne, zo age-rte, 1976 W.— Penalty for 25. (l) Whoever mol'ests, or abets the molestation of, a debtor‘for the m°1¢5131i°n °r recovery of a debt due by him to a creditor shall, on conviction, be punishablé debtors. tvith imprisonment of either description which may extend to three months or." with ﬁne which may extend to ﬁve hundred rupees or with both. < ' Explanation—For the purposes of this subsection a person who— _(i) with intent to cause the debtor to abstain from doing any'accy which he has right to do or to do any act which he has a right to abstain". trom doing. obstructs or uses violence to or intimidates such debtor, or (ii) being a money-lender or an agent or employee of money-lender,.‘ letters on any pay day at or within ﬁlty metres from the outer boundary or gute of the factory or ofﬁce in which the debtor is employed, shall be deemed to molest such debtor. (2) Every offence punishable under subsection (1) shall be cognizable.. Offences by 24. (I) It the person committing an offence under this Act is a'v. °°mPam°5- company, the company as well as every person in charge of and. responsible to _" the company {or the conduct of its business at the time .of the commission ofﬂ- the offence shall be deemed to be guilty of the offence and shall be liable to: be proceeded against and punished accordingly : ‘ Provided that nothing contained in this sub-section shal‘. render any such . person liable to any punishment if he proves that the olfence was committed; without his knowledge or that he exercised all due diligence to preyent the , commission of such offence. ’ ' (2) Notwithstanding anything contained in sub-section (1), where any offence under this section has been committed by a company and it is proved that; the offence has been committed with the consent or connivance of, or that the commission of the offence is attributable to any neglect on the part of any managing agent. secretary, treasurer. director, manager or other officer of the ’ company, such managing agent, secretary, treasurer, director, manager or other, olﬁcer shall also be deemed to be guilty of that offence and shall be liable to be proceeded against and punished accordingly. Explanation—For the purposes of this section— (a) “company" means any body corporate, and includes a ﬁrm or? ‘ other association of individuals, and (b) ”director" in relation to a ﬁrm, means a partner in the ﬁrm. Compoundingof 25. (1) The Registrar General, and subject to his control. any Registrar: .3 OECDCBS- may, either before or alter the institution of proceeding for an offence punishable under this Act, accept from any person charged with such oﬁence. by way of composition of the olfencc a sum not exceeding one thousand rupees. (2) On payment of such sum. no further proceedingshall be taken against‘ , the accused person in respect of the same offence. and if in custody. he shall --3 be discharged, and such composition shall have the eﬁectvof an acquittal of- the accused with whom the'olfencc- has been compounded. .- CHAPTER VIII [Miscellaneous Particulars of 26‘ (1) Every money-lender carrying on the business ol money-lending J, debts and de- from before the commencement of this Act shall submit to the Registrar, a w '9“th d“ 6” statement in the prescribed form within a period of three months from the-- ~ eﬁnrl; cmoneyy. date of such commencement. lender. (2) The statement referred to in sub-section (1) shall contain the parti-‘V culars of debts due to each money-lender and of deposits made with him andl _ such other particulars as may be prescribed. -‘ iii (3) Every such statement shall be counter-signed, dated and sealed by . the Registrar and shall be kept and maintained in the manner prescribed. » ‘ (4) Notwithstanding anything contained in any contract, decree or orden or any other law for the time being in force, no money-lender shall, be enn: tied to claim any amount from a debtor in respect of any loan advanced

Power to make rules.

Repeal of Act X • of 1918 in its application to Uttar Pradesh.

Ter! nit .1791Tuf 17n, 20 79•Tt, 1976 15

attire the commencement of this Act, unless Aunt due from him has been specified in

se/ion •(1).

27. (1) No order made by any officer Orer conferred by or under this Act shall be

(2) No suit, prosecution or other legal ei1/4on for anything which is in good faith

pesuance of this Act or of any order made

the name of such debtor and the the statement referred to in sub.

or authority in exercise of any Finality of called in question in any court. orders.

proceeding shall lie against any done or intended to be done in

thereunder.

hr.1:0 . 28. The State Government may by notification make rules for carrying eut the purposes of this Act.

, 29. The Usurious Loans Act, 1918 shall in its application to Uttar ,radesh stand repealed with effect from the date of any notification issued for qiie first time under sub-section (2) of section 12.

In the Uttar elattses (1), (3) to (5) 435 shall be omitted.

Pradesh Regulation of Agricultural Credit Act, 1940 Amendment of and (7) to (13) of section 2, sections 3 to 7 and 10 u. P. Act 14 of

1940.

The Uttar Pradesh Prohibition of Bonded Labour Act, 1975 is here. Repeal of U. P. epealed. Act 44 ot 1975.

3117"/

+717r 9114 *49.,

RNT,

'1110 740 ao 410--‘I 0 tit° 13 7 1110 (MERFEMT)--1976— 55 0 (4 0) I

361'? new swarm was, 20 gene, 197s qre the commencement of this Act, 1qunt due from him has been speci n (1). unless the name'of such debtor and the ﬁed in the statement referred to in sub- ) 7. (I) No order made by any ofﬁcer or authority in exercise of any Finaliiy of 51p yer contcrred by or under this Act shall be called in question in any court. “dem- = (2) No suit, prosecution or other legal proceeding shall lie against any son for anything which is in good faith done or intended to be done in suance of this Act or of any order made thereunder. 28‘ The State Government may by notiﬁcation make rules for carrying Power to make the purposes of this Act. rules- 29. The Usurious Loans Act, 1918 shall in its application to Uttar Repeal of Act desh stand repealed with effect from the date of any notiﬁcation issued for [’5 0f 191]? fin ﬁrst time under sub-section (2) of section 12. ,SUttipﬁégie'g}: ‘ 30. In the Uttar Pradesh Regulation of Agricultural Credit Act, 1940 . Am :1. uses (1), (3) to (5) and (7) to (13) of section 2, sections 3 to 7 and 10 u, ﬁf‘ﬁfn’ugff " 5 shall be omitted. _ 1940. 31‘ The Uttar Pradesh Prohibition of Bonded Labour Act, 1975 is here» Repeal of U. P.- -repealed. Act 44ot1975. men 5:, item mar Timer, ails-s I T{To@0110lira—equate137nm (famfunr)——197e—850 (ire) l

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Uttar Pradesh act 29 of 1976 : The UTTAR PRADESH REGULATION OF MONEY-LENDING ACT, 1976

SECTIONS X

SECTIONS