(1)

Ļ¯ೇಷ ªಾಜÍ ಪĦÎೆ

PÀ£ÁðlPÀ «zsÁ£À¸À¨sÉ

ºÀ¢£ÁgÀ£ÉÃ «zsÁ£À¸À¨sÉ

DgÀ£ÉÃ C¢üªÉÃ±À£À

ಕකბಟಕ ౾ฆ (Micro) ๬ಲ ಮൡ౨ ಸಣ౧ ๬ಲ (ಬಲ๋ತದ ಕ౳ಮಗಳ ಪ౳ൟීಧಕ)

เඒಯಕ, 2025

(2025gÀ «zsÁ£À¸À¨sÉAiÀÄ «zsÉÃAiÀÄPÀ ¸ÀASÉå-06)

ಕකბಟಕ ฃಜ౲ದย౵ ౽ಯბඛವბ๼๯ൟ౨ฆವ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿

๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ (organizations) ಅಥ฿ ศ฿ඃเർರඝ

ඛೕഴವ ൿ෇ค ಬല౥ ದರಗಳ ಅඝ೉ತ ൧ಂದฉ ಮൡ౨ ಬಲ๋ತದ ವ๰มൟ

เඋನಗัಂದ ಆ൮ბಕ฿ಜ ൿಬბಲ ಞಂඬಗำ ಮൡ౨ ವ౲౾౨ಗำ, เ๕ಷ฿ಜ ซತฆ,

ಮ๼ึಯฆ ಮൡ౨ ಮ๼ะ ಸ౷ಸ๻ಯ ಞಂඬಗಳඝ౬ ರ౾౹ಸฤ ಮൡ౨ ෨ಕ౨ತัಸฤ

๻ಟ ಅದಃౙ ๸ීಧಪಟౣ ಅಥ฿ ಅದಃౙ ඩ౳๸ಜಕ฿ದ เಷಯಗัಛಜ ಒಂൿ

เඒಯಕ.

1. ๸౾౹ಪ౨ ກಸฆ, ඩ౳ฏಭ ಮൡ౨ ಅನ౷ಯ.- (1) ಈ ಅඌඛಯಮವඝ౬ ಕකბಟಕ

౾ฆ (Micro) ๬ಲ ಮൡ౨ ಸಣ౧ ๬ಲ (ಬಲ๋ತದ ಕ౳ಮಗಳ ಪ౳ൟීಧಕ) ಅඌඛಯಮ, 2025

ಎಂൿ ಕฉಯತಕౙൿ౪.

(2) ಇൿ 2025ರ ඾ಬ౳ವค 12ඡ ൽකಂಕൽಂದ ೦คಡ ීൽฆโർಜ ූเಸತಕౙൿ౪.

(3) ಈ ಅඌඛಯಮದย౵ ಇฆโർโ඀ ౽ඞකತ౱ಕ, ඣೕಂർ෵ತ ಮൡ౨

ඛಯ෦ತ ඛ౽ಯಗะಂඈತಹ ෇౲ಂಀಗำ (ಸಣ౧ ಹಣ౽๯ ෇౲ಂಀಗำ, ಸ౩ัೕಯ

ಪ౳ඃಶದ ෇౲ಂಀಗำ, ඩ౳ඃ๏ಕ ಛ౳෦ೕಣ ෇౲ಂಀಗำ ಮൡ౨ ವ౲ವ๻ರ ๸ීඌ

෇౲ಂಀಗಳඝ౬ ಒಳತಂഽ൤) ಆฑ ෈ಐ ෩ಲಕ ඛ฀ൟ౳ಸมದ, ಆฑ ෈ಐඣಂൽಡ

ඣೕಂർ෵ಸมದ ಎม౵ ಸಹ౽ค ෇౲ಂಀಗำ ಮൡ౨ ಎม౵ ෇౲ಂ಄ತರ ಆ൮ბಕ

ಉಪඛಗำ ಮൡ౨ ಠಹ ಹಣ౽๯ ඛಗಮಃౙ ಅನ౷෵ಸತಕౙದ౪ಲ౵.

¨sÁUÀ – 4ಎ

Part – IVA

2025

1946)

BENGALURU, THURSDAY, 06, MARCH, 2025

PHALGUNA , 15, SHAKAVARSHA, 1946)

. 133

No. 133

(4) ಈ ಅඌඛಯಮದ ಉಪීಧಗำ ತ൞ౙಲದย౵ ೦คಯย౵ฆವ ಅ๭౨ತ౷ದย౵ನ

෴โඃ ౽ඞඛඣಂൽಡ ෨ಂൿವฉಯತಕౙൿ ಮൡ౨ ಅඋ౲ฌೕ๼෴ಜರತಕౙದ౪ಲ౵.

2. ಪคූ๣ಗำ.- (1) ಈ ಅඌඛಯಮದย౵ ๸ದಭბโ ಅನ౲൭ ಅಗತ౲ಪല๭ದ

ຄರൡ,-

(ಎ) “๬ಲಛರ” ಎಂದฉ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ

ಅಥ฿ ๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರคಂದ ෰಍ಕ ಅಥ฿ ย಍ತ ಕฃคನല

ಷರൡ౨ಗำ ಮൡ౨ ඛීಧචಗูಂൽಡ, ෴โඃ ಉං౪ೕಶ౽ౙಜ ๬ಲದ งಪದย౵

ಹಣವඝ౬ ಪഷ෷ವ, ಆ ಹಣವඝ౬ ಃಲโ ౽มವඌ෽ಳಡ ಮฆඩವൟಸತಕౙ ವ౲౾౨

ಅಥ฿ ಸ౷ಸ๻ಯ ಞಂඬ (SHG) ಅಥ฿ ೲഔ ຄൕಛคಃ ಞಂඬ (JLG) ಅಥ฿ ವ౲౾౨ಗಳ

ಞಂඬ;

(෈) “ಬಲ๋ತದ ಕ౳ಮ” ಎಂದฉ 8ඡ ಪ౳ಕರಣದย౵ เವคಸมದ ಬಲ๋ತದ ಕ౳ಮ;

(๭) “ಬല౥” ಎಂ්ൿ ಈ ಅඌඛಯಮದ ಉಪීಧಗಳല ಪคූ๞๭ದ ඛීಧචಗಳ

ಉං౪ೕಶಗัಛಜ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿

๸๲౩ಗำ

ಅಥ฿

ศ฿ඃเർರคಂದ

ನಗൿ

ಅಥ฿

๸ದූბඝ๬ರ฿ಜ

ವ๯౨งಪದย౵ ๬ಲಛರඛಡ ඛೕലದ ෮ತ౨ದ ෬ยನ มಭ ๻ಟ ಅൿ ൽನಃౙ, ฿ರಃౙ,

ൟಂಗัಡ ಅಥ฿ ವಷბದ ಆඋರದย౵ เඌಸมದ ಬല౥ಯඝ౬ ಒಳತำ౶โൿ;

(ല) “๬ಲ” ಎಂದฉ ๬ಲಛರඛಡ ಬല౥ಯ ෬ฉಡ ಖ೉ತ฿ಜ ಅಥ฿ ಅನ౲൭

ඛೕಡมದ ಹಣದ งಪದย౵ನ ಅಥ฿ ෈ೕಜ, ತಬ౯ರ, ಇ൞౲ൽಗ฼ತಹ ವ๯౨งಪದย౵ನ

౾ฆ ๬ಲ, ಸಣ౧ ๬ಲ ಮൡ౨ ෨ಂಗಡ ಅಥ฿ ಅ๬ಲ;

(ಇ) “ศ฿ඃเർರ” ಎಂ්ൿ ෭ಆ౳ೕ වකඨ౺ ๸๲౩(MFI) ಅಥ฿ ๬ಲ ඛೕലಃ

ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ಗಳඝ౬ ಒಳತำ౶โൿ ๻ಟ ൽನಃౙ, ฿ರಃౙ, ൟಂಗัಡ ಅಥ฿

ವಷბದ ಆඋರದย౵ ಬല౥ಯඝ౬ เඌ๯ವ ෩ಲಕ มಭವඝ౬ ಗัಸฤ ನಗൿ ಅಥ฿

ವ๯౨งಪದย౵ ๬ಲ ඛೕഴವ ಅಥ฿ ෴โඃ ಸ౷งಪದ ಹಣ౽๯ චರโ ඛೕഴโದඝ౬

ಪ౳උನ ಅಥ฿ ඩ౳๸ಜಕ ಚഖವഔಃ෴ಜ๭ಆಂಡ ෴โඃ ඩฤർರ ಫ෨ბ

ಅಥ฿ ವ౲౾౨ ಅಥ฿ ವ౲౾౨ಗಳ ಞಂඬ ಅಥ฿ ല೧ಟฯ ๬ಲඛೕലಃ ඩ౵ഡ මෳბ;

(ಎෆ ) “ඣೕಂದ൐ ඩ౳ඌ౽ค” ಎಂದฉ ๸ීಧಪಟౣ ೧ว౵ಯ ೧ม౵ඌ౽ค:

ಪฏൡ ฃಜ౲ ಸ౽ბರโ ಅඌ๰ಚචಯ ෩ಲಕ ಅಂಥ ಇತರ ತൡ౨ಪല๭ದ ಅඌ౽คಯඝ౬

ඣೕಂದ൐ ඩ౳ඌ౽ค ಎಂൿ ඡ෦ಸಬ๾ൿ;

(೧) “ಸ෥ಜದ ൿಬბಲ ವಗბ” ಎಂದฉ ซತฆ, ಮ๼ึಯฆ, ಮ๼ะ ಸ౷ಸ๻ಯ

ಞಂඬಗำ, ಂ๞ ౽෦ბಕฆ, ౽෦ბಕฆ, ෈ೕൽ ฿౲ඩคಗำ, ಒಂൿ ಸ౩ಳൽಂದ ಮ൧౨ಂൿ

ಸ౩ಳಃౙ ಚย๯ವ ಇತರ ฿౲ඩคಗำ, ๻ยನ ഹคಯย౵ ಃಲಸ ෥ഴವ ౽෦ბಕฆ,

ඛ෥ბಣ

౽෦ბಕฆ,

ವಲ๲

౽෦ბಕฆ,

ಅವರ

෩ಲ

๳ๅಗัಡ

ಀಜ౛ฆವ

ಪ౳ๆ๎ವ౽ಶದ ಮൡ౨ ෨ಖ౲฿ಜ ಆฌೕಗ౲, ವಸൟ ජಮბಲ౲ ಇ൞౲ൽಗಳ ಅಂತඛბ๼ತ

ඛ൏ბಯಕ൤ಗಳ (underlying determinants) ౽ರಣൽಂർಜ ಇತರคಡ ຄೕย๭ದย౵

ಅನඝಁಲ൤෵ฆವ ಜನರ ಞಂඬ ಮൡ౨ ಆ൮ბಕ฿ಜ ๼ಂൿัದ, ඛಯತ ಆർಯದ

෩ಲเಲ౵ං ೧ೕವඣೕඩಯದ ෥ದคಗಳย౵ ಃಳಮಟౣದย౵ฆವವฆ.

(2) ಈ ಅඌๆಶನದย౵ ಬಳ๭ฆವ ಆದฉ ಪคූ๞ಸൽฆವ ಪದಗำ, ๸ීಧಪಟౣ

ಅඌඛಯಮಗำ ಮൡ౨ ಅದರല ರ೉๭ದ ඛಯಮಗಳย౵ ಅඝಕ౳ಮ฿ಜ ಅโಗัಡ ඛೕಡมದ ಅๆ

ಅಥბಗಳඝ౬ ຄಂൽರತಕౙൿ౪.

3. ෭ಆ౳ೕ වකඨ౺ ๸๲౩ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿

ศ฿ඃเർರರ ඣೕಂದ൐.- (1) ಈ ಅඌඛಯಮದ ඩ౳ฏಭದ ൽකಂಕඈൿ ಕකბಟಕ

ฃಜ౲ದย౵ ౽ಯბඛವბ๼๯ൟ౨ฆವ ಎม౵ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺

ಅಥ฿ ๸๲౩ ಅಥ฿ ศ฿ඃเർರฆ, ಈ ಅඌඛಯಮದ ඩ౳ฏಭದ ൽකಂಕൽಂದ ෩ವൡ౨

ൽನಗูಳಛಜ, ಅโಗำ ౽ಯბඛವბ๼๯ൟ౨ฆವ ಅಥ฿ ౽ಯბඛವბ๼ಸฤ ಉං౪ೕ๏๭ฆವ

ಛ౳ಮಗำ ಅಥ฿ ಪಟౣಣಗำ, เඌ๭ฆವ ಅಥ฿ เඌಸฤ ಉං౪ೕ๏๭ฆವ ಬല౥ಯ ದರ, ෷ಕ౨

೦ಗงಕ ඛವბಹ൏ ವ౲ವ๲౩ ಮൡ౨ ವ๰มൟಯඝ౬ ೦คತั๯ವ ವ౲ವ๲౩ ๻ಟ ๬ಲ ඛೕലಃ

ಅಥ฿ ඛೕಡมದ ಹಣದ ವ๰มൟ ಚഖವഔಃಯඝ౬ ඛವბ๼ಸฤ ಅඌಂತತัಸมದ ವ౲౾౨ಗಳ

ಪഔౣ ๻ಟ ๬ಲಛರನ ກಸฆ ಮൡ౨ เะಸ, ๬ಲಛರඛಡ ඛೕಡมದ ಒഖౣ ಅಸฤ ෮ತ౨,

๬ಲಛರඛಂದ ಈಛಗศ ವ๰ฤ ෥ಡมದ ෮ತ౨, ๬ಲಛರඛಂದ ಇඞ౬ ವ๰ฤ

෥ಡ෎౽ದ ෇౾ ෮ತ౨ ๻ಟ ಈ ಅඌඛಯಮದ ಉಪීಧಗัಡ ಅඝ๬ರ฿ಜ ෴฿ಗล

౽ಯბವ๼ಸತಕౙංಂಬ ย಍ತ ෨ಚ౞ัಃಯඝ౬ ಅದರย౵ ඛൽბಷౣಪല๭ ೧ว౵ಯ ඣೕಂದ൐

ඩ౳ඌ౽คಯ ෨ಂං ඣೕಂದ൐ಛಜ ಅ೧ბಯඝ౬ ಸย౵ಸತಕౙൿ౪.

(2) ಈ ಅඌඛಯಮದ ඩ౳ฏಭದ ತฆ฿ಯ ಸ౷ಸ๻ಯ ಞಂඬಗัಡ ๬ಲ ඛೕലಃ

ವ౲ವ๻ರವඝ౬ ඛವბ๼๯ൟ౨ฆವ ಅಥ฿ ಅದඝ౬ ඩ౳ฏ෗ಸฤ ಉං౪ೕ๏๭ฆವ ෭ಆ౳ೕ වකඨ౺

๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿ ศ฿ඃเർರฆ, ඣೕಂದ൐

ඩ౳ඌ౽ค෵ಂದ ಈ ಅඌඛಯಮದല ඣೕಂದ൐ ಪഷಯං ෴โඃ ๬ಲಗಳඝ౬ ෱೪ฆ

෥ಡತಕౙದ౪ಲ౵ ಅಥ฿ ෴โඃ ๬ಲವඝ౬ ವ๰ฤ ෥ಡತಕౙದ౪ಲ౵.

(3) ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ ಅಥ฿

ศ฿ඃเർರฆ ಒದಜಸมದ เವರಗಳඝ౬ ඣೕಂದ൐ ඩ౳ඌ౽ค෷ ಪค๏ೕยಸತಕౙൿ౪ ಮൡ౨

෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗಳ ౽෴ბಚರൕಛಜ ඛൽბಷౣಪലಸಬ๾ർඈಥ เඋನದย౵ ಒಂൿ

ವಷბದ ಅವඌಛಜ ඣೕಂದ൐ಯඝ౬ ඛೕಡತಕౙൿ౪.

(4) ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿

ศ฿ඃเർರฆ ඣೕಂದ൐ಯ ನเೕಕರಣ౽ౙಜ ಅ೧ბ ಸย౵๭ർಗ, (3)ඡ ಉಪಪ౳ಕರಣದย౵

ಉว౵ೕ಍ಸมದ ಒಂൿ ವಷბದ ಅವඌಯ ෨౽౨ಯತำ౶ವ ෮ದฤ, ಅರವൡ౨ ൽನಗูಳಛಜ

෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಆ ಉං౪ೕಶ౽ౙಜ ಅ೧ბಯඝ౬ ർಖยಸತಕౙൿ౪ ๻ಟ ඣೕಂದ൐

ඩ౳ඌ౽ค෷, ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗಳ ಃ౹ೕತ౳ ಮಟౣದ ౽ಯბౘಮ൤ಯ ෷ಕ౨ ಪค๏ೕಲචಯ

ತฆ฿ಯ

ಮൡ౨

ඣೕಂದ൐

เಸ౨ರൕಯ

ಀคൡ

๬ವბಜඛಕคಂದ

෴โ฿ದง

ಆಃ౹ೕಪൕಗัದ౪ย౵, ಅವඝ౬ ಆย๭ದ ತฆ฿ಯ ඣೕಂದ൐ ෨౽౨ಯದ ൽකಂಕಃౙ ෮ದฤ ಕඛಷౣ

ಹൽජൿ ൽನಗಳย౵ ನเೕಕರಣ ෱೪ฆ ෥ഴโඃ ಅಥ฿ ನเೕಕರಣ ඛฃಕค๯โඃ

ಎಂ්ದඝ౬ ൟೕ෥ბඛಸತಕౙൿ౪.

(5)

ಪ౳ൟ

ඣೕಂದ൐

ඩ౳ඌ౽ค෷

ತನ౬

ಅඌ౽ರ฿౲ඪ౨ಯലಯย౵ನ

ಪ౳ඃಶ౽ౙಜ

ඛൽბಷౣಪലมඈ൤, ๭ಂඎ฿ದ ඣೕಂದ൐ ຄಂൽฆವ ಎม౵ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ

ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗಳ ಅಥ฿ ศ฿ඃเർರರ ค೧ಸౣฑ ಗಳඝ౬

ඛವბ๼ಸತಕౙൿ౪.

4. ඣೕಂದ൐ಯඝ౬ ರൿ౪ತั๯ವ ಅಥ฿ ಅ෥ನൡ౨ತั๯ವ ಅඌ౽ರ.- (1)

ඣೕಂದ൐ ඩ౳ඌ౽ค෷ ෴โඃ ಸಮಯದย౵ ಸ౷൫ ಅಥ฿ ๬ಲಛರඛಂದ ඀ฆ ๭౷ೕಕค๭ದ

෬ว ಅಂಥ ರದ౪ൟಛಜ ย಍ತದย౵ ๬ಕ๠ౣ ౽ರಣಗಳඝ౬ ඛೕലದ ತฆ฿ಯ ಮൡ౨ ಅದඝ౬

ಆย๭ದ ತฆ฿ಯ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿

๸๲౩ಗಳ ಅಥ฿ ศ฿ඃเർರರ ඣೕಂದ൐ಯඝ౬ ರൿ౪ತัಸಬ๾ൿ ಅಥ฿ ರൿ౪ಪലಸฤ

๏මರ๯౺ ෥ಡಬ๾ൿ ๻ಟ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ

ಅಥ฿ ๸๲౩ಗಳඝ౬ ಅಥ฿ ศ฿ඃเർರರඝ౬ ෴ವ ಅಂಶಗಳ ෬ว ෬ส౬ೕಟಃౙ

ರൿ౪ತั๯ವ ൟೕ෥ბನ ಅತಳ౶มಜං෺ಂൿ ൟั๯ವ ඣೕഔೕ๯ ඛೕലದ ຄರൡ ಮൡ౨

෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ ಅಥ฿

ศ฿ඃเർರคಡ ಅಂಥ ඣೕഔೕ๭ನ เฆದ౫ ಅಹ฿ಲඝ౬ ຂัಆำ౶ವ ๰ಕ౨ ಅವ౽ಶವඝ౬

ඛೕലದ ຄರൡ ඣೕಂದ൐ ರದ౪ൟಯ ಆඃಶವඝ౬ ຄರലಸತಕౙದ౪ಲ౵.

เವರൕ: ಉಪಪಪ౳ಕರಣ (1)ರ ಉං౪ೕಶಗัಛಜ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ

ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ, ಈ ಅඌඛಯಮದ ෴โඃ

ಉಪීಧಗಳ ಉಲ౵ಂಘචಯ ಅಪฃಧ౽ౙಜನ ಅಪฃಧ ඛಣბಯโ ಅದರ ඣೕಂದ൐ಯඝ౬

ಅ෥ನൡ౨ತัಸฤ ಅಥ฿ ರൿ౪ತัಸฤ ๬ಕ๠ౣ ౽ರಣโಳ౶ർ౪ಜರತಕౙൿ౪.

(2) ඣೕಂದ൐ ඩ౳ඌ౽ค෷ (1)ඡ ಉಪಪ౳ಕರಣದല เೈರൕಯඝ౬ ෇౾෵ค๭,

ർಖยಸ෎౽ದ ๬ಕ๠ౣ ౽ರಣಗัಛಜ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ

ಏ೬ඛ౺ಗำ

ಅಥ฿

๸๲౩ಗಳ

ಅಥ฿

ศ฿ඃเർರರ

ඣೕಂದ൐ಯඝ౬

ಅ෥ನൡ౨ಪലಸಬ๾ൿ.

5. ๬ಲ ඛೕലಃ ෥ನඈಡಗำ.- ಸ౽ბರโ ಅඌ๰ಚචಯ ෩ಲಕ ๬ಲඛೕലಃ

෥ನඈಡಗำ, ๸ಗ౳ಹൕ ಮൡ౨ ವ๰มൟ ಪದ౪ൟಗಳඝ౬ ඛൽბಷౣಪലಸಬ๾ൿ.

෭ಆ౳ೕ

වකඨ౺

๸๲౩ಗำ

ಅಥ฿

๬ಲ

ඛೕലಃ

ಏ೬ඛ౺ಗำ

ಅಥ฿

๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಭದ౳൤ಯඝ౬ ಆೕฆ๋ൟಲ౵.- ෴โඃ ෭ಆ౳ೕ

වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩โ ಅಥ฿ ศ฿ඃเർರฆ

๬ಲ౽ౙಜ ಜರเ, ಒ൤౨ ಅಥ฿ ෴โඃ ಇತರ งಪದ ಭದ౳൤ಯඝ౬ ๬ಲಛರඛಂದ ಭದ౳൤෴ಜ

ಆೕರತಕౙದ౪ಲ౵:

ಪฏൡ ಈ ಅඌඛಯಮದ ඩ౳ฏಭದ ൽකಂಕಃౙ ෮ದฤ ๬ಲಛರඛಂದ ಪഷಯมದ

෴โඃ ಅಂಥ ಭದ౳൤෷, ๬ಲಛರನ ಪರ฿ಜ ತౘಣๆ ෈ഴಗഷತಳ౶ർ౪ಜರತಕౙൿ౪.

เವರൕ: ಈ ಅඌඛಯಮದ ಉං౪ೕಶಗัಛಜ, “ಭದ౳൤” ಎಂದฉ, ಆඋರ෥ലฆโದರ ෴โඃ

ಸ౷งಪ.

7. ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ

ಅಥ฿ ศ฿ඃเർರฆ เඌ๭ದ ಬല౥ಯ ದರಗಳย౵ನ ඩರದಶბಕ൤.- (1) ๬ಲವඝ౬

෍วಕഖౣವย౵ ಄ವಲ කฤౙ ಘಟಕಗำ ಇರತಕౙൿ౪, ಎಂದฉ, ಬല౥ เඌ๯ವ ๑ಲౙ, ๸ಸౙರ൏ ๑ಲౙ,

เ෥ ඪ౳ೕ෦฀ ಮൡ౨ เ฼෈ತ ඩವൟ ඈಡ๑ಲౙ.

(2) ඛൽბಷౣಪല๭ದ ಒಂൿ ෥ದค (standard) ๬ಲದ ಕฃฆ ಇರತಕౙൿ౪.

(3) ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ

ಅಥ฿ ศ฿ඃเർರฆ ๬ಲಛರඛಡ,-

(i) เඌಸมದ ಪค൏ಮ౽ค ಬല౥ಯ ದರ;

(ii) ๬ಲಃౙ ಲಗ൞౨ಜฆವ ಎม౵ ಇತರ ಷರൡ౨ಗำ ಮൡ౨ ඛීಧචಗำ;

(iii) ๬ಲಛರನඝ౬ ಞฆൟ๯ವ ๬ಕ๠ౣ ෥๼ൟ;

(iv) ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಯ ෩ಲಕ ๭౷ೕಕค๭ದ ಉൡಗำ ಮൡ౨ ಅಂൟಮ

ൟೕคಃಯඣ౬ಳತಂಡ ಎม౵ ಮฆඩವൟಗಳ ๼ಂಬರಹಗำ; ಮൡ౨

(v) ๬ಲದ ౽ലბನย౵ฆವ ಎม౵ ನ෩ൿಗำ ಕನ౬ಡದย౵ರತಕౙංಂൿ,

- ൧ೕค๯ವ ๬ಲದ ౽ಡბඝ౬ ಒದಜಸತಕౙൿ౪.

(4) ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ

ಅಥ฿ ศ฿ඃเർರฆ เඌಸมದ ಪค൏ಮ౽ค ಬല౥ದರವඝ౬ ತಮ౱ ಎม౵ ಕ೏คಗಳย౵ನ

ಎൿ౪౽൒ವ ಸ౩ಳದย౵ ಮൡ౨ ಅโಗำ ຄರല๭ದ ಪತ౳ಗಳย౵ ಮൡ౨ ಅโಗಳ ೦ಲ൞ಣದย౵

ಪ౳ದ๏ბಸತಕౙൿ౪.

(5) ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ

ಅಥ฿ ศ฿ඃเർರคಂದ ๬ಲಛರඝ ಪഷದ ಎม౵ ๬ಲಗಳඞ౬ ಅโಗಳย౵ನ เඋನඈ൤

ಕฃฆ ෥ലಆಳ౶ತಕౙൿ౪, ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ

ಅಥ฿ ๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ ๬ಲಗಳඝ౬ ෱೪ฆ ෥ഴವ ಮൡ౨ เತರൕ

෥ഴವ ಪ౳౾౳෺ಯย౵ ಈ ෨ಂൽನโಗಳඝ౬ ඩยಸತಕౙൿ౪,-

(i) ๬ಲಛರತಂൽಜನ ಎม౵ ಪತ౳ವ౲ವ๻ರಗำ ಕನ౬ಡದย౵ರತಕౙൿ౪;

(ii) ಇತರ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿

๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ, ඛೕലದ ಷರൡ౨ಗำ ಮൡ౨ ඛීಧචಗูಂൽಡ ಅಥბතಣბ

ຄೕยಃಯඝ౬ ෥ഴ๋൤ ಮൡ౨ ๬ಲಛರඝ ๰ಕ౨ ඛඋბರ ಅತำ౶๋൤ ๬ಲಛರನ

๼൞ಸ౾౨ಡ

ಪค൏ಮ෈ೕರಬ๾ർದ

ಅಗತ౲

෥๼ൟಗಳඝ౬

๬ಲದ

ಅ೧ბ

ನ෩චಗำ

ಒಳತಂലರತಕౙൿ౪. ๬ಲದ ಅ೧ბ ನ෩චಯย౵ ಅ೧ბ ನ෩ච෽ಂൽಡ ಸย౵ಸ෎౽ದ ಅವಶ౲ಕ

ದ๬౨ๆ೩ಗಳඝ౬ ๰೉ಸತಕౙൿ౪;

(6) ಪ౳ൟ෽ಂൿ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩

ಅಥ฿ ศ฿ඃเർರඝ ನಗൿ ඬಸ౨ಕ, ಌ൞ ඬಸ౨ಕ ಮൡ౨ ඛൽბಷౣಪലಸಬ๾ർದ ಅಂಥ ಇತರ

วಕౙದ ඬಸ౨ಕಗಳඝ౬ ಇคಸತಕౙൿ౪ ಮൡ౨ ඛವბ๼ಸತಕౙൿ౪.

(7) ಪ౳ൟ෽ಂൿ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿

๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರඝ ๬ಲವඝ౬ ඛೕലದ ಒಂൿ ൽನದ ෮ದฤ, ๬ಲಛರඛಡ

෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ದ 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

๯ಸ౭ಷౣ฿ಜ ൧ೕค๯ವ ඛൽბಷౣಪലಸมದ ನ෩චಯย౵ನ เವರಪഔౣಯඝ౬ ತฤඪಸತಕౙൿ౪

ಅಥ฿ ತฤඪ๯๋൤ ෥ಡತಕౙൿ౪.

(8) ಪ౳ൟ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿

ศ฿ඃเർರඝ ಸ౩ัೕಯ ಪ౳ඃಶದย౵ ඣೕಂർ෵ತ ಕ೏คಯඝ౬ ຄಂൽರತಕౙൿ౪.

(9) ෴โඃ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩

ಅಥ฿ ศ฿ඃเർರඝ ಆತඛಡ/ಆಃಡ ಅದರ ಅඌಂತ ಪ౳ൟඛඌ෷ ෷ಕ౨฿ಜ ಸ๼෥ലದ

ඩವൟಯ ರ๭ೕൽಯඝ౬ ඛೕലದ ຄರൡ ෴โඃ ๬ಲದ ౽ರಣ౽ౙಜ ๬ಲಛರඛಂದ ෴โඃ

ඩವൟಯඝ౬ ๭౷ೕಕคಸತಕౙದ౪ಲ౵.

(10) ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿

ศ฿ඃเർರඝ

๬ಲಛರನ

ย಍ತ

෎ലಃಯ

෬ฉಡ,

ಅಥ฿

๬ಲಛರඝ

๻ಡ

ಅಗತ౲ಪല๭ದย౵, ෎ലಃಯย౵ ಈ ಀคൡ ඛൽბಷౣಪല๭ದ ෴ช ವ౲౾౨ಡ, ಆತඝ/ಆಃ෷ ಪഷದ

๬ಲ ๸ීඌ ෴โඃ ದ๬౨ๆ೧ನ ಪ౳ൟಯඝ౬ ಒದಜಸತಕౙൿ౪:

ಪฏൡ

ಈ

ಅඌඛಯಮದ

ඩ౳ฏಭಃౙ

෮ದฤ

ඛೕലದ

๬ಲಗಳ

๸ದಭბದย౵,

๬ಲಛರඛಂದ

෴โඃ

ಭದ౳൤ಯඝ౬

๭౷ೕಕคಸมಜದ౪ย౵,

ศ฿ඃเർರඝ

ಅದඝ౬

ඛൽბಷౣಪല๯โൿ ಕറ౥ಯ฿ಜರತಕౙൿ౪.

(11) ಪ౳ൟ෽ಂൿ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩

ಅಥ฿ ศ฿ඃเർರඝ ෨ಂಬฆವ ൤౳ೖ෥๭ಕ ಮൡ౨ ๸ದූბඝ๬ರ฿ಜ ಹಣ౽๯ ವಷბದ

10ඡ ൽකಂಕಃౙ ෮ದฤ ඣೕಂದ൐ ඩ౳ඌ౽คಡ, ๬ಲಛರರ ಪഔౣ, ಪ౳ൟ෽ಬ౯คಡ ඛೕಡมದ ๬ಲ

ಮൡ౨ ෥ಡมದ ಮฆඩವൟಯ ෬ว เඌ๭ದ ಬല౥ದರವඝ౬ ൧ೕฆವ ൤౳ೖ෥๭ಕ ൫ಒ౨ ಮൡ౨

฿๞ბಕ ൫ಒ౨ಯඝ౬ ಸย౵ಸತಕౙൿ౪.

(12) ൤౳ೖ෥๭ಕ ൫ಒ౨ ಮൡ౨ ฿๞ბಕ ൫ಒ౨ಯඝ౬ ಸย౵ಸฤ เಫಲ฿ದ ෭ಆ౳ೕ වකඨ౺

๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿ ศ฿ඃเർರඝ, ಆฆ ൟಂಗำಗಳ

౽ರ฿ಸඅಂൽಡ ಅಥ฿ ಹൡ౨ ๬เರ งඩ෵ಗัಡ เಸ౨คಸಬ๾ർದ ೩ม౱ච෽ಂൽಡ

ಅಥ฿ ಅๅರಡคಂದล ඈലತ฿ಗತಕౙൿ౪.

8. ಬಲ๋ತದ ಕ౳ಮಗัಛಜ ෭ಆ౳ೕ ಹಣ౽๯ ๸๲౩ಗಳ (MFI) เฆದ౫ ඈಡච.-

෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿

ศ฿ඃเർರඝ, ๬ಲಛರคಂದ ಹಣ ವ๰มൟಛಜ ಸ౷൫ ಅಥ฿ ಅದರ ಏ೬ಂಟರ

෩ಲಕ฿ಗย ෴โඃ ಇತರ ಬಲ๋ತದ ಕ౳ಮವඝ౬ ಬಳಸತಕౙದ౪ಲ౵ ಮൡ౨ ಬಲ๋ತ

ವ๰มൟಯ

෴โඃ

ಸ౷งಪ౽ౙಜ

ಈ

ಅඌඛಯಮದ

ಉಪීಧಗಳല

ඈಡචಡ

ຄൕ෴ಗತಕౙൿ౪ ๻ಟ ಈ ಅඌඛಯಮದ ෬ฉಡ ಉಪීඌಸมඈ൤ ಅಂಥ ෭ಆ౳ೕ වකඨ౺

๸๲౩

(MFI)

ಅಥ฿

๬ಲ

ඛೕലಃ

ಏ೬ඛ౺

ಅಥ฿

๸๲౩

ಅಥ฿

ศ฿ඃเർರನ

ඣೕಂದ൐ಯඝ౬

ಅ෥ನൡ౨ಪലಸฤ

ಅಥ฿

ರൿ౪ಪലಸฤ

ඣೕಂದ൐

ඩ౳ඌ౽ค෷

ಅඌ౽ರโಳ౶ವකಜರತಕౙൿ౪.

เವರൕ: ಈ ಪ౳ಕರಣದ ಉං౪ೕಶಗัಛಜ, ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಯ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ

ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿ ศ฿ඃเർರನ ෩ಲಕ ๬ಲಛರರ เฆದ౫ದ “ಬಲ๋ತದ

ಕ౳ಮ”โ ಈ ෨ಂൽನโಗಳඝ౬ ಒಳತำ౶โൿ, ಎಂದฉ:-

(i) ๬ಲಛರರඝ౬ ಅಥ฿ ಆತನ/ಆಃಯ ಀഖಂಬ ಸದಸ౲คಡ ಒತ౨ಡವඝ౬ ๻ಀโൿ ಅಥ฿

ತഷ෽ഴ౥โൿ

ಅಥ฿

๼ಂ๲ಯඝ౬

ಬಳ๯โൿ

ಅಥ฿

ಅವ෥ඛ๯โൿ

ಅಥ฿

෍ದค๯โൿ, ಅಥ฿

(ii) ๬ಲಛರನඝ౬, ಆತನ/ಆಃಯ ಀഖಂಬ ಸದಸ౲ರඝ౬ ಸ౩ಳൽಂದ ಸ౩ಳಃౙ ඛฏತರ฿ಜ

๼ಂ෇ย๯โൿ ಅಥ฿ ಆತನ/ಆಃಯ ಒഷತನದ ಅಥ฿ ಬಳಃಯย౵ನ ෴โඃ ಸ౷ൟ౨ಡ

ಮಧ౲ಪ౳ๆ๏๯โൿ ಅಥ฿ ಆತನ/ಆಃ෵ಂದ ౾ൡ౨ಆำ౶โൿ ಅಥ฿ ෴โඃ ಅಂಥ ಸ౷ൟ౨ನ

ಬಳಃಡ ಅല౥ಪല๯โൿ, ಅಥ฿

(iii) ಅಂಥ ಇತರ ವ౲౾౨෷ ෷ಕ౨฿ಜ ൧ಡಜฆವ ಅಥ฿ ฿ಸ฿ಜฆವ ಅಥ฿ ಃಲಸ

෥ഴൟ౨ฆವ ಅಥ฿ ವ౲ವ๻ರ ನഷ๯ൟ౨ฆವ ಮච ಅಥ฿ ಇತರ ಸ౩ಳಃౙ ಬಲ๋ತದ ಕ౳ಮವඝ౬

ಅತำ౶ವ ಉං౪ೕಶൽಂದ ಆಛಗ ෝഔ ඛೕഴโൿ ಅಥ฿ ෝഔ෴ಞ๋൤ ෥ഴโൿ, ಅಥ฿

(iv) ๬ಲಛರඛಡ ಹಣ ඩವൟಛಜ ಬಲ๋ತದ ಮൡ౨ ಅඝ೉ತ ಪ౳ූವವඝ౬ ಬಳ๭

෥ൡಕ൤ಡ/ಒ൞౨෵๯โದಃౙ ಌಸಜ ಅಥ฿ ຄರಞൟ౨ಡ ಅಥ฿ ෇ಹ౲ ಏ೬ඛ౺ಗಳ, ౾౳෦ನฯ

๼ನ౬ว෷ಳ౶ವರ ๳ๅಯඝ౬ ಬಳ๯โൿ, ಅಥ฿

(v) ಸ౽ბರದ ෴โඃ ౽ಯბಕ౳ಮದലಯย౵ ๬ಲಛರඛಡ ಪ౳෽ೕಜನದ ಹಀౙಗำಳ౶

෴โඃ ದ๬౨ๆಜඝ౬ ๬ಲಛರඛಂದ ಬಲ๋ತ฿ಜ ಪഷ෷โൿ.

9. ർಖวಗำ ಅಥ฿ ದ๬౨ๆ೩ಗಳඝ౬ ๻ಜฆಪലಸฤ ಅಗತ౲ಪല๯ವ

ಅඌ౽ರ ๻ಟ ಪ౳ๆಶ, ತඩಸൕ ಮൡ౨ ವಶಪല๭ಆำ౶ವ ಅඌ౽ರ.- (1) ඣೕಂದ൐

ඩ౳ඌ౽ค ಅಥ฿ ಆತඝ/ಆಃ෷ ಈ ಀคൡ ಅඌಂತತั๭ದ ෴ช ಅඌ౽ค෷, ಈ

ಅඌඛಯಮದ ಉಪීಧಗัಡ ಅඝ๬ರ฿ಜ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ

ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿ ศ฿ඃเർರඝ ವ౲ವ๻ರ ನഷ๯ൟ౨ฆವฉ

ಎಂ්ದඝ౬ ಪค๏ೕย๯โൿ, ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺

ಅಥ฿ ๸๲౩ ಅಥ฿ ศ฿ඃเർರನ ಕೞคಯ ಆವರಣಃౙ ಪ౳ๆ๏๯โൿ ಅಥ฿

ಆತನ/ಆಃಯ

ಅ෗ඩ౳ಯದย౵

෴ช

ವ౲౾౨෷

๬ಲ

ಆഴವ

ವ౲ವ๻ರದย౵

൧ಡಜಆಂലದ౪ฉ ಮൡ౨ ಅಂಥ ವ౲ವ๻ರಃౙ ๸ීඌ๭ದ ෴โඃ ർಖว ಅಥ฿

ದ๬౨ๆಜඝ౬ ಆತඛಡ/ಆಃಡ ๻ಜฆಪലಸฤ ๰೉๯โൿ ๻ಟ ಪ౳ൟ෽ಂൿ ಅಂಥ

෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ ಅಥ฿ ๸๲౩ ಅಥ฿

ศ฿ඃเർರඝ ಅಂಥ ತඩಸൕಡ ಅඝಮൟಸತಕౙൿ౪ ಮൡ౨ ಅಂಥ ತඩಸൕಯย౵ ಅಂಥ

ർಖว ಅಥ฿ ದ๬౨ๆಜඝ౬ ಅಗತ౲เฆ฿ಗวม౵ ๻ಜฆಪലಸತಕౙൿ౪.

(2) ඣೕಂದ൐ ඩ౳ඌ౽ค෷, (1)ඡ ಉಪಪ౳ಕರಣದ ಉං౪ೕಶಗัಛಜ ಆವರಣಗಳඝ౬

๗ೕඌಸಬ๾ൿ ಮൡ౨ ಅಗತ౲เರಬ๾ർದ ෴โඃ ർಖว ಅಥ฿ ದ๬౨ๆಜඝ౬

ವಶಪല๭ಆಳ౶ಬ๾ൿ ๻ಟ ಪค๏ೕಲච, ඩ౳๭ಁ౲ಶඨ ಅಥ฿ ಇತฉ ౽ඞඝ ಕ౳ಮಗಳ

ಉං౪ೕಶಗัಛಜ ಅಗತ౲เರಬ๾ർඈಥ ಅವඌಡ ෥ತ౳ๆ ವಶಪല๭ಆಂಡ ർಖวಗำ

ಅಥ฿ ದ๬౨ๆ೩ಗಳඝ౬ ಇഖౣಆಳ౶ತಕౙൿ౪.

(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 ಒದಜ๯ವ ಮಟౣದย౵ฆವචಂൿ

ಆತඝ/ಆಃ෷ ಅ෗ඩ౳ಯಪಟౣ ෴ช ವ౲౾౨ಯඝ౬ ಸಮඝ ෥ഴವ ಮൡ౨ ಪค๏ೕย๯ವ

ಅඌ౽ರವඝ౬ ಸಹ ຄಂൽರತಕౙൿ౪.

10. ඀ฆಗำ.- ෭ಆ౳ೕ වකඨ౺ ๸๲౩ (MFI) ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺

ಅಥ฿

๸๲౩

ಅಥ฿

ศ฿ඃเർರඛಂದ

ಈ

ಅඌඛಯಮದ

ಉಪීಧಗಳ

ಉಲ౵ಂಘචಯ ಀคൡ ๸ීಧಪಟౣ/ ಅඌ౽ರ ฿౲ඪ౨ಯ ඲ยೕ๺ ഢൕಯย౵ ಮൡ౨

๸ීಧಪಟౣ ඲ยೕ๺ ಅඌ౽คಯ ෨ಂං ඀ರඝ౬ ർಖย๯โൿ. ෴ช ඲ยೕಸฆ

ಪ౳ಕರಣವඝ౬ ർಖย๭ಆಳ౶ฤ ඛฃಕคಸತಕౙದ౪ಲ౵:

ಪฏൡ ඲ยೕ๺ ಉಪ ಅඌೕౘಕರ (Deputy Superintendent of Police) ದ೬ბಡ

ಕല෫ಯಲ౵ದ

඲ยೕ๺

ಅඌ౽ค෷

ಸ౷൫

ಪ౳ಕರಣವඝ౬

ർಖย๭ಆಳ౶ฤ

ಅඌ౽ರโಳ౶ವකಜರತಕౙൿ౪.

11. ಒಂ්ി౺ ಪಸბඨ ನ ඡಮಕ.- เ฿ದಗಳඝ౬ ಇತ౲ಥბಪല๯โದ౽ౙಜ,

๬ಲಛರ

ಮൡ౨

ศ฿ඃเർರನ

ನഴๅ

ಮಧ౲ಸ౩ಛರකಜ

౽ಯბඛವბ๼ಸฤ

ಸ౽ბರโ ಅඌ๰ಚචಯ ෩ಲಕ ಒಂ්ി౺ ಪಸბඨ ನඝ౬ ඡಮಕ ෥ಡಬ๾ൿ.

12. ಀಂൿಆರ൤ಗಳ ඛ฿ರ൏ ๆൽಃ.- ಸ౽ბರโ ๰ಕ౨฿ದ ಀಂൿಆರ൤

ඛ฿ರ൏

౽ಯბವ౲ವ๲౩ಯඝ౬

๬౩ඪಸತಕౙൿ౪.

ಀಂൿಆರ൤

ඛ฿ರ൏

౽ಯბವ౲ವ๲౩ಯ

౽ಯბเඋನ

ಮൡ౨

෥ಗბ๰೉ಗำ

ඛಯ෦ಸಬ๾ർಂಥ

เඋನದย౵ರತಕౙൿ౪.

13. ಅඌඛಯಮದ 8ඡ ಪ౳ಕರಣದ ಉಲ౵ಂಘචಛಜ ඈಡච.- ಈ ಅඌඛಯಮದ

8ඡ ಪ౳ಕರಣವඝ౬ ಉಲ౵ಂಫ๯ವ ෴ช ವ౲౾౨෷, เೈರൕಡ ಒಳಪಡತಕౙൿ౪ ಮൡ౨

ಪ౳ಥಮ ದ೬ბ ක౲෵ಕ ෥౲೧๲ౣიೕಟರ ෩ಲಕ ಹൡ౨ ವಷბಗัಡ เಸ౨คಸಬ๾ർದ

ಅವඌಯ ౽ฃ฿ಸඅಂൽಡ ๻ಟ ಐൿ ಲౘ งඩ෵ಗಳವฉಡ เಸ౨คಸಬ๾ർದ

೩ม౱ච෽ಂൽಡ

ඈലತකಗತಕౙൿ౪.

ಈ

ಅඌඛಯಮದലಯย౵ನ

ಅಪฃಧಗำ

๸೬ౢೕಯ฿ಜರತಕౙൿ౪

ಮൡ౨

೦෦ೕඝರ๼ತ฿ಜರತಕౙൿ౪.

14. ಪ౳ൟ෽ಬ౯ ಅඌ౽ค෷ สೕಕඥಕರකಜฆโൿ.- ಈ ಅඌඛಯಮದ

ಉಪීಧಗಳല ౽ಯბඛವბ๼๯ವ ಪ౳ൟ෽ಬ౯ ಸ౽ბค ಅඌ౽ค ಮൡ౨ ಪ౳ൟ෽ಬ౯

ವ౲౾౨ಯඝ౬ ූರൟೕಯ ක౲ಯ ๸๼൤, 2023ರ 2ඡ ಪ౳ಕರಣದ (28)ඡ ಉಪಪ౳ಕರಣದ

ಅಥბ฿౲ඪ౨෽ಳಡ สೕಕඥಕರචಂൿ ූเಸತಕౙൿ౪.

15. ษ๲ඝ౺ರ๼ತ ಮൡ౨ ඣೕಂർ෵ತವಲ౵ದ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ

ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರರ

෩ಲಕ ಬಲ๋ತದ ಕ౳ಮൽಂದ ๬ಲಛರඛಡ ಪค๻ರ (relief).- ತ൞ౙಲದย౵

೦คಯย౵ฆವ ෴โඃ ౽ඞඛನย౵ ಅಥ฿ ෴โඃ ಅಂಥ ౽ඞඛನ ෩ಲಕ

೦คಯย౵ฆವ ಕฃคನย౵ ಅಥ฿ ย಍ತಪತ౳ದย౵ ಏඡ ಒಳತಂലದ౪ง ಮൡ౨ ಈ

ಅඌඛಯಮದย౵

ಅನ౲൭

ಸ౭ಷౣ฿ಜ

ಉಪීඌ๭ൿದඝ౬ัൿ,

ಈ ಪ౳ಕರಣದ ඩ౳ฏಭದ ൽකಂಕൽಂದ ೦คಡ ಬฆ๋൤,-

(ಎ)

ಈ

ಪ౳ಕರಣದ

ඩ౳ฏಭಃౙ

෮ದฤ

ඣೕಂർ෵ತವಲ౵ದ

ಮൡ౨

ษ๲ඝ౺ರ๼ತ฿ದ ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿

๸๲౩ಗำ ಅಥ฿ ศ฿ඃเർರฆ ಬಲ๋ತದ ಕ౳ಮ ಬಳ๭ದฉ, ๬ಲಛರඝ ෭ಆ౳ೕ

වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ ಅಥ฿

ศ฿ඃเർರคಡ ඩವൟಸ෎౽ದ, ෴โർದง ಬല౥ಯ ෮ತ౨เದ౪ย౵ ಅದඞ౬

ಒಳತಂഽ൤ “ಸ෥ಜದ ൿಬბಲ ವಗბದವคಛಜ” ෨ಂಗಡ ඛೕലದ ಪ౳ൟ෽ಂൿ

๬ಲವඝ౬ ๸තಣბ฿ಜ ൟೕคಃ෴ಜං෺ಂൿ ූเಸತಕౙൿ౪;

(෈) ෴โർದง ಬല౥෵ದ౪ย౵ ಅದඞ౬ ಒಳತಂഽ൤ ಅಂಥ ๬ಲದ ෴โඃ

෮ತ౨ದ ವ๰มൟಛಜ ๬ಲಛರನ เฆದ౫ ෴โඃ ർๅ ಅಥ฿ ವ౲ವಹರൕಯඝ౬

෴โඃ ක౲෴ಲಯโ ඬರಸౙคಸತಕౙದ౪ಲ౵:

ಪฏൡ ๬ಲಛರ ಮൡ౨ ෴ช ಇತರ ವ౲౾౨ಯ เฆದ౫ ೲഔ෴ಜ ർๅ ಅಥ฿

ವ౲ವಹರൕಯඝ౬ ๿ಡมಜದ౪ฉ, ಈ ಪ౳ಕರಣದย౵ ಇฆโർโ඀ ಅಂಥ ಇತರ ವ౲౾౨ಡ

ಅൿ

๸ීඌ๭ฆವಷౣರ

ಮഔౣಡ

ർๅ

ಅಥ฿

ವ౲ವಹರൕಯ

ඬರಸౙರൕ෷

(maintainability) ಅನ౷ಯ฿ಗತಕౙൿ౪:

(๭)

෴โඃ

๬ಲದ

ವ๰มൟಛಜ

෴ช

๬ಲಛರನ

เฆದ౫

ಸದค

ൽකಂಕඈൿ ෇౾෵ฆವ ಎม౵ ർๅಗำ ಮൡ౨ ವ౲ವಹರൕಗำ (ಅඪೕฤಗำ,

ඬನคೕౘൕಗำ,

ಜඹ౨ಗำ

ಅಥ฿

ಅಮมౠค

ವ౲ವಹರൕಗಳඝ౬

ಒಳತಂഴ)

ಆච

ಳ౶ತಕౙൿ౪.

16. ൧ಂದฉಗಳඝ౬ ඛ฿ค๯ವ ಅඌ౽ರ.- ಈ ಅඌඛಯಮದ ಉಪීಧಗಳඝ౬

౽ಯბงಪಃౙ ತฆವย౵ ෴โඃ ൧ಂದฉ ಉದ౰เ๭ದย౵, ฃಜ౲ ಸ౽ბರโ ಸ౽ბค

ฃಜಪತ౳ದย౵ ಪ౳ಕഔ๭ದ ಆඃಶದ ෩ಲಕ, ൧ಂದฉಗಳඝ౬ ඛ฿ค๯ವ ಉං౪ೕಶಗัಛಜ

ತನಡ ಅವಶ౲ಕ ಅಥ฿ ෷ಕ౨ๅಂൿ ಉഴಬฆವ, ಈ ಅඌඛಯಮದ ಉಪීಧಗัಡ

ಅ๸ಗತ฿ಜರඈಥ ಉಪීಧಗಳඝ౬ ರ೉ಸಬ๾ൿ:

ಪฏൡ, ಈ ಅඌඛಯಮโ ඩ౳ฏಭ฿ದ ൽකಂಕൽಂದ ಎರഴ ವಷბಗಳ

ಅವඌ෷ ෨౽౨ಯತಂಡ ತฆ฿ಯ ಈ ಪ౳ಕರಣದല ಅಂಥ ෴โඃ ಆඃಶವඝ౬

෥ಡತಕ౪ದ౪ಲ౵.

17.

ඛඃბಶನಗಳඝ౬

ඛೕഴವ

ಅඌ౽ರ.-

ಸ౽ბರโ

౽ಲ౽ಲಃౙ

ಈ

ಅඌඛಯಮದ ๰ಕ౨ ಅඝ๝౤ನ౽ౙಜ, ಅඌ౽คಗำ, ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ (MFI)

ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗำ, ๬ಲಛರฆ, ศ฿ඃเർರคಡ ಈ

ಅඌඛಯಮದ

ಮൡ౨

ಅದರലಯย౵

෥ಡมದ

ඛಯಮಗಳ

ಉಪීಧಗัಡ

ಅ๸ಗತ฿ಜರದ ಅಂಥ ಆඃಶಗำ, ๰ಚචಗำ ಮൡ౨ ඛඃბಶನಗಳඝ౬ ค೧ಸౣฑ ಗำ,

ನ෩චಗำ,

ಆඨ ษඨ

ಪ౳౾౳෺ಗำ,

඲ೕಟბฯ ಗำ,

ಸ๻ಯ

಄ಂದ౳ಗಳඝ౬

ඛൽბಷౣಪല๯ವ ෩ಲಕ ຄರലಸಬ๾ൿ ๻ಟ ಅඌඛಯಮವඝ౬ ೦คತัಸฤ

ඛ෽ೕ೧ತฃದ ಅಂಥ ಅඌ౽คಗำ ಮൡ౨ ಇತರ ಎม౵ ವ౲౾౨ಗำ ಅಂಥ ಆඃಶಗಳඝ౬,

๰ಚචಗಳඝ౬ ๻ಟ ඛඃბಶನಗಳඝ౬ ඩยಸತಕౙൿ౪.

18. ඛಯಮಗಳ ರಚකඌ౽ರ.-(1) ฃಜ౲ ಸ౽ბರโ, ಸ౽ბค ฃಜ౲ಪತ౳ದย౵

ಅඌ๰ಚචಯ

෩ಲಕ,

ಈ

ಅඌඛಯಮದ

ಉං౪ೕಶಗಳඝ౬

ಈസค๯โದ౽ౙಜ

ඛಯಮಗಳඝ౬ ರ೉ಸಬಹൿ.

(2) ಈ ಪ౳ಕರಣದ ෩ಲಕ ಪ౳ದತ౨฿ದ ඛಯಮಗಳඝ౬ ರ೉๯ವ ಅඌ౽ರโ තವბ

ಪ౳ಕಟൕಯ ತฆ฿ಯ ෥ಡಬ๾ർದ ඛಯಮಗಳ ಷರൟ౨ಡ ಒಳಪഔౣರತಕౙൿ౪.

(3)

ಈ

ಅඌඛಯಮದ

ಅലಯย౵

ರ೉๭ದ

ಪ౳ൟ෽ಂൿ

ඛಯಮ

ಅಥ฿

ಅඌ๰ಚචಯඝ౬,

ಅದඝ౬

ರ೉๭ದ

ತฆ฿ಯ

๬ಧ౲฿ದ๠ౣ

෎ಗඡ

ฃಜ౲

เඋನ෱ಡಲದ ಪ౳ൟ෽ಂൿ ಸದನದ ෨ಂං, ಅൿ ಅඌๆಶನದย౵ฆ฿ಗ ಒഖౣ

෩ವൡ౨ ൽನಗัಛಜ ಒಳತಂലರಬ๾ർದ ಒಂൿ ಅಥ฿ ಎರഴ ಅಥ฿ ກ೉౞ನ

ඛಕജೕತ౨ರ ಅඌๆಶನಗಳย౵ ෱ലಸತಕౙൿ౪ ಮൡ౨ ಅದඝ౬ ๻ಡ ඛಕജೕತ౨ರ

ಅඌๆಶನಗำ

෨౽౨ಯ฿ಞವ

෮ದฤ,

เඋನ෱ಡಲದ

ಉಭಯಸದನಗำ

ඛಯಮದย౵ ෴โඃ ෥ඩბഖ෥ಡ෎ಃಂൿ ಒඪ౭ದฉ ಅಥ฿ ඛಯಮವඝ౬

ರ೉ಸ෇ರංಂൿ ൟೕ෥ბඛ๭ದฉ, ಆ ತฆ฿ಯ ಅಂಥ ඛಯಮโ ๸ದූბඝ๬ರ ๻ಡ

෥ඩბഓದ

คೕൟಯย౵

෥ತ౳

ಪค൏ಮ౽ค෴ಗತಕౙൿ౪

ಅಥ฿

ಪค൏ಮ౽ค෴ಗತಕౙದ౪ಲ౵. ಆർಟ౲, ಅಂಥ ෥ඩბഖ ಅಥ฿ ರದ౪ൟ෷ ಆ

ඛಯಮದ ಅಥ฿ ಅඌ๰ಚචಯ ಅലಯย౵ ಈ ๼ಂං ෥ലದ ෴โඃ ౽ಯბದ

๭ಂඎತ౷ಃౙ ෇ಧಕ฿ಗತಕౙದ౪ಲ౵.

19. ඛರಸನ ಮൡ౨ ಉั๯เಃಗำ.- (1) ಕකბಟಕ ౾ฆ (Micro) ๬ಲ ಮൡ౨ ಸಣ౧

๬ಲ (ಬಲ๋ತದ ಕ౳ಮಗಳ ಪ౳ൟීಧಕ) ಅඋ౲ඃಶ, 2025 ඝ౬ (2025ರ ಕකბಟಕ ಅඋ౲ඃಶ

๸ಒ౲ 2) ಈ ෩ಲಕ ඛರಸನತัಸมಜං.

(2) ಅಂಥ ඛರಸನದย౵ ಏඡ ಒಳತಂലದ౪ง, ಕකბಟಕ ౾ฆ (Micro) ๬ಲ ಮൡ౨

ಸಣ౧ ๬ಲ (ಬಲ๋ತದ ಕ౳ಮಗಳ ಪ౳ൟීಧಕ) ಅඋ౲ඃಶ, 2025ರ (2025ರ ಕකბಟಕ

ಅඋ౲ඃಶ ๸ಒ౲ 2) ಅലಯย౵ ෥ಡมದ ಅಥ฿ ෥ಡมಜංಂൿ ූเ๭ದ ෴โඃ

౽ಯბ ಅಥ฿ ಅತಂಡ ಅಥ฿ ಅತಳ౶มಜං ಎಂൿ ූเ๭ದ ෴โඃ ಕ౳ಮವඝ౬ ಈ

ಅඌඛಯಮದ ಅലಯย౵ ෥ಡมಜං ಎಂൿ ූเಸತಕౙൿ౪.

ಉං౪ೕಶಗำ ಮൡ౨ ౽ರಣಗಳ ຂัಃ

1. ౾ฆ ๬ಲ, ಸಣ౧ ๬ಲ, ಌಸಜ ಹಣ౽๯ ಮൡ౨ ಇತฉ ಅඛ฀ൟ౳ತ ศ฿ඃเ

෥ඹ෴ಗำ ๬ಲಛರ ಸ෩ಹಗะඈತಹ ಬಡ ಛ౳෦ೕಣ ඛಗბൟಕฆ, ನಗರ ౽෦ბಕฆ,

ಸ෥ಜದ ಅಶಕ౨ ಮൡ౨ ൿಬბಲ ವಗბದವರඝ౬ ඪೕല๯ൟ౨ๅ ಮൡ౨ ಉ๭ฆಗഔౣ๯ൟ౨ๅ.

๬ಲಛರඛಡ ಬല౥ಯ ಀค൪൤ ಃಲ่෫౱ ൿಪ౭ഖౣ ෮ತ౨ವඝ౬ ಅಥ฿ ກ೉౞ನ

ಬല౥ಯඝ౬

ඩವൟಸฤ

ಒ൞౨෵ಸมಞൟ౨ං.

ศ฿ඃเർರರ

౽ರಣൽಂർಜ

๬ಲಛರฆ ෈ೕൽಡ ಬฆ๋൤ ಮൡ౨ ಆತ౱ಹ൤౲ ෥ലಆำ౶๋൤ ಒ൞౨ಯಪലಸมಞൟ౨ං.

ಪ౳๬౨เತ

๎ಸನโ

๬ಲಗಳඝ౬

ಪഷ෷ವ

ಮൡ౨

ඦತರ

๬ಲಗಳย౵෻

෨ำಜຄೕಜฆವ ಅಸ๻ಯಕರඝ౬ ౽ඩഴವ ಮൡ౨ ರ౾౹๯ವ ಀค൞ಜං.

ಪ౳๬౨เತ ๎ಸನโ, ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ

ಅಥ฿ ๸๲౩ಗำ, ซತคಂದ ಂ๞ ಉತ౭ನ౬ಗಳඝ౬ ಪഷൿ ಂ๞ ಸರಀಗಳ ಖคೕൽ ಮൡ౨

෥ฃಟದย౵ ൧ಡಜฆವ ಅಥ฿ ಬಡವคಡ ๬ಲವඝ౬ ඛೕഴವ ಮൡ౨ ಅಸಲඝ౬

ಬല౥෽ಂൽಡ ನಗൿ ಅಥ฿ ವ๯౨งಪದย౵ ൤ಡൿಆำ౶ವ ศ฿ඃเർರฆ ಅಥ฿

ಅಂಗല ಅಥ฿ ฿൐ಜ౲ ๸๲౩ ಅಥ฿ ಎ๲ౣೕഡ ಘಟಕಗำ ඛೕഴವ ൿ෇ค ಬല౥ ದರಗಳ

ಅඝ೉ತ ൧ಂದฉ ಮൡ౨ ಬಲ๋ತದ ಮൡ౨ ಅ෥ನเೕಯ ವ๰มൟ เඋನಗัಂದ

ಆ൮ბಕ฿ಜ ൿಬბಲ ಞಂඬಗำ ಮൡ౨ ವ౲౾౨ಗำ, เ๕ಷ฿ಜ ಮ๼ึಯฆ ಮൡ౨ ಮ๼ะ

ಸ౷ಸ๻ಯ ಞಂඬಗಳඝ౬ ರ౾౹ಸฤ ๻ಟ ಕකბಟಕ ฃಜ౲ದย౵ ౽ಯბඛವ๼๯ൟ౨ฆವ

෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗಳඝ౬

ඛ฀ൟ౳ಸฤ ಪค൏ಮ౽ค ౽ಯბವ౲ವ๲౩ಯඝ౬ ๱೧๯ವ ಉං౪ೕಶ౽ౙಜ ๻ಟ ಅದಃౙ

๸ීಧಪಟౣ ಅಥ฿ ಅದಃౙ ඩ౳๸ಜಕ฿ದ เಷಯಗಳ ಀค൞ಜං.

2. ಪ౳๬౨เತ ๎ಸನದ ෨ಖ౲ ಉං౪ೕಶโ ಅಸ๻ಯಕ ๬ಲಛರರඝ౬ ಬಲ๋ತದ

ಮൡ౨

౽ඞඝ෇๼ರ

ವ๰มൟ

ಪದ౪ൟಗัಂದ

ರ౾౹๯ವ

ಀค൞ಜൿ౪,

ಈ

෨ಂൽನโಗಳඝ౬ ಁലං:

(ಎ) 21ඡ ಅඝ೎౟ೕಧ – ಬൿ౾ನ ಹಀౙ ಮൡ౨ ็ಯ౾౨ಕ ๬౷൪ತ౳౲. ಸ่ೕბಚ౟

ක౲෴ಲಯโ ಆ൮ბಕ ๗ೕಷൕ ಮൡ౨ ౾ฆಀಳโ ವ౲౾౨ ದರವವඝ౬

ಅൟಕ౳෦๯ൟ౨ං෺ಂൿ ಪඃಪඃ ಅ෗ඩ౳ಯಪഔౣං.

ಪ౳๬౨เತ ๎ಸನโ

ಆತ౱ಹ൤౲ಗัಡ ඀ഴൟ౨ฆವ ಮൡ౨ ൧ಂದฉಗಳඝ౬ ඛೕഴൟ౨ฆವ ಆ൮ბಕ

ൿವ౲ბವ๲౩෵ಂದ ತഷಗഖౣವ, ಈ ෩ಲಕ ෩ಲේತ ಹಀౙಗಳ ರౘൕಯඝ౬

ಖ೉ತಪല๯ವ ಀค൞ಜං.

(෈) ฃಜ౲ ඛೕൟಯ ඛඃბಶකತ౱ಕ ತತ౷ಗಳ 38 ಮൡ౨ 39ඡ ಅඝ೎౞ೕದಗำ

ಅಸ෥ನ൤ಗಳඝ౬ ತಜ౛๯โൿ ಮൡ౨ ಃಲๆ ವ౲౾౨ಗಳ ಅಯย౵ ๸ಪൡ౨

ಆ౳ೕുೕಕರಣ฿ಞโದඝ౬ ತഷಗഖౣโൿ ฃಜ౲ದ ಕತბವ౲฿ಜං. ಪ౳๬౨เತ

๎ಸನโ ౽ඞඝ ೓ಕഖౣಗಳ ຄರಡ ౽෴ბಚค๯ವ ඣೕಂർ෵ತವಲ౵ದ

ศ฿ඃเർರರඝ౬ ඛ฀ൟ౳๯ವ ෩ಲಕ ಗಮನಹค๯ತ౨ං.

(๭) 14ඡ ಅඝ೎౟ೕಧದല (ಸ෥ನ൤ಯ ಹಀౙ) ෷ಕ౨ ವಜೕბಕರಣದ ತತ౷โ ฃಜ౲ಃౙ

ක౲ಯಸಮ౱ತ

౽ಳ೧ಗಳ

ಆඋರದ

෬ว

เ෗ನ౬

ಪ౳ವಗბದ

ศ฿ඃเർರರඝ౬ เ෗ನ౬฿ಜ ವ౲ವಹคಸฤ ಅඝโ ෥ലಆഴತ౨ං.

ಪ౳๬౨เತ ๎ಸನโ ಆฑ ෈ಐನ ಕಣ౨ඪ౭ಡ ಒಳಪಡං ඣೕಂർ෵ತವಲ౵ದ ಮൡ౨

ಅඛ฀ൟ౳ತ ศ฿ඃเർคಡ ෥ತ౳ ಅನ౷ಯ฿ಞโൿ.

(ല) 19(6)ඡ ಅඝ೎౟ೕಧ- ๬ವბಜඛಕ ๼൞ಸ౾౨ಯย౵ ไൟ౨ಗಳඝ౬ ඛ฀ൟ౳๯ವ

෩ಲಕ ฿౲ඩರ ಮൡ౨ ವ౲ವ๻ರಗಳ ෬ว ಸ౽ರಣ฿ದ ඛಬბಂಧಗಳඝ౬

෥ಡฤ ฃಜ౲ಃౙ ಅඝโ ෥ലಆഴತ౨ං. ಪ౳๬౨เತ ๎ಸನโ ౽ඞඝಬದ౫

ศ฿ඃเಯඝ౬ ඛ๤ඌ๯โൽಲ౵ ಆದฉ

๬ವბಜඛಕ ಕಳಕั෵ಂർಜ

ಬಲ๋ತದ ವ๰มൟಗಳඝ౬ ඛಬბಂඌ๯ತ౨ං.

(ಇ) ಸ่ೕბಚ౟ ක౲෴ಲಯโ, ಞಜฃ൬ ฃಜ౲ เฆದ౫ ෦೦ბඬರದ ෮ೕൟ

ಏช๞

ಕಸ෕

ಜ෥൬

(2005)

ඦತಹ

ಪ౳ಕರಣಗಳย౵

๬ವბಜඛಕ

ಃ౹ೕ෥෗ไൽ౫ಯ

ຄൕಯย౵ർ౪ಗ

ฃಜ౲ದ

ಮಧ౲ಪ౳ๆಶವඝ౬

ಎൟ౨๼ലൽฆತ౨ං. ಬಲ๋ತದ ศ฿ඃเ෷ ಹಲ฿ฆ ซತರ ಪ౳ಕರಣಗಳย౵

ಆತ౱ಹ൤౲ಗำ ๻ಟ ಆ൮ბಕ ನಷౣಃౙ ർค෴ಞโංಂൿ ຂัං, ಪ౳๬౨เತ

๎ಸನโ

๬෥೧ಕ

ಸಮ๲౲ಡ

ಒൡ౨ඛೕಡฤ

ಪ౳෥൏ඝ๬ರ

ಪ౳ൟ౾౳෺෴ಜฆತ౨ං.

3. ಪ౳๬౨เತ ๎ಸನโ ౽ฃ฿ಸ ಮൡ౨ ೩ม౱චಯඣ౬ಳತಂಡ ඈಡචಗಳඝ౬

เඌ๯ತ౨ං.

(ಎ) ಹಣದ ಅಕ౳ಮ ಚมವൕ ಪ౳ൟීಧಕ ಅඌඛಯಮ, 2002 (PMLA) ฏತಹ

ಹಣ౽๭ನ ౽ඞඝಗಳย౵ ಆ൮ბಕ ൿನბಡ൤ಛಜ ಕണಣ ඈಡචಗಳඝ౬

เඌ๯฿ಗ,

ಉഴಬฆವ

๏ಃ౹෷,

ກದค๯ವ

෩ಲಕ

ತഷ෷ವ

๭ർ౪ಂತൽಂದ ಁലං.

(෈) ಸ่ೕბಚ౟ ක౲෴ಲಯโ, ඛฏಀಶ൤ಯඝ౬ ವ౲ಕ౨ಪലಸದ ຄರ൞ಜฆವ

ඈಡචಗಳඝ౬ (ಆಂಧ౳ ಪ౳ඃಶ ฃಜ౲ เฆದ౫ ෥౲ಋ ഺๅฯ & ಉಪඛ, 1996)

เඌ๯ವ เඋನ෱ಡಲದ ಅඌ౽ರವඝ౬ ಎൟ౨๼ലൽං. ಬಲ๋ತದ ๬ಲ

ඛೕലಃಯ ಪค൏ಮ, ඈಡචಗಳඝ౬ ಅವಶ౲ಕ ඛಬბಂಧಗಳක౬ಜ ೦คತัಸฤ

ඛೕಡมಞൟ౨ං.

4. ಪ౳๬౨เತ ๎ಸನโ ඣೕಂർ෵ತವಲ౵ದ ศ฿ඃเർರฆ ൤ಡൿಆಂಡ

ಭದ౳൤ಗಳඝ౬(Securities)

෨ಕ౨ತั๯โದඝ౬

ಕറ౥ಯತั๭ං.

෇౲ಂ౾ಂ಩

ವ౲ವ๲౩ಗัಜಂತ ಇൿ ෗ನ౬฿ಜൿ౪, ಇದඝ౬ ๼ೕಡ ಸಮ൮ბಸมಜං ಎಂದฉ:

(ಎ)

39(๭)

ಅඝ೎౟ೕಧದ

ฃಜ౲

ඛೕൟಯ

ඛඃბಶකತ౱ಕ

ತತ౷ಗำ,

෇౲ಂಀಗ฼ತಲ౵ං,

ඣೕಂർ෵ತವಲ౵ದ

ศ฿ඃเർರฆ

ඛ฀ತ౳ಕ

ಕಣ౨ඬ౭ಗಳ ຄರ൞ಜ ౽෴ბಚರൕ ෥ഴโൿ ಮൡ౨ ๻ಛಢ ಬಲ๋ತ฿ಜ

ಭದ౳൤ಗಳඝ౬ ๬౷ඌೕನ ಪല๭ಆำ౶โದರ ಆ൮ბಕ ๗ೕಷൕಯඝ౬ ತഷಗಟౣฤ

ฃಜ౲ ಸ౽ბರವඝ౬ ಕറ౥ಯತั๯ತ౨ๅ.

(෈) ಪ౳ಬಲ ಮಧ౲ಪ౳ๆ๏ಃಗಳඝ౬ ಅಗತ౲ಪല๯ವย౵ ๬ಲಛರರඝ౬ ರ౾౹ಸฤ

เಫಲ฿ಜฆತ౨ං. ಸ่ೕბಚ౟ ක౲෴ಲಯโ ല.ಎ๺.ನಕರ เฆದ౫ ූರತ

ಒಁౙಟ (1983) ಪ౳ಕರಣದย౵, ฃಜ౲โ ൿಬბಲ ವಗბಗಳ ಸ෥೯ೕ-ಆ൮ბಕ

ಃ౹ೕ෥෗ไൽ౫ಛಜ ಸ౾౳ಯ ಕ౳ಮ ಅತำ౶โದඝ౬ ಎൟ౨๼ലൽං.

(๭) ಸ่ೕბಚ౟ ක౲෴ಲಯโ, ಂಷ౧ ಀ෥ฑ ๭ಂ಩ เฆದ౫ ෈๻ರ ฃಜ౲

(2017)ರ ಪ౳ಕರಣದย౵, ๎ಸನโ ತౘಣದ ಅವಶ౲ಕ൤ಯ ಆඋರದ ෬ยರತಕౙං౪ಂൿ

ಅ෗ඩ౳ಯಪഔౣฆತ౨ං. ಪ౳๬౨เತ ๎ಸನโ ൡ൞ბಜ ๬ಲಛರರ ರౘൕಯඝ౬

ಸಮ൮ბ๯ತ౨ං.

ಪ౳๬౨เತ ๎ಸನโ ಹಣ౽๭ನ ๗ೕಷൕಯඝ౬ ඛೕಜಸฤ ಅವಶ౲ಕ฿ಜං ಮൡ౨

౽ඞඝಬದ౫ ಸಮಥბ ಮಧ౲๭౩ಃ෴ಜං ๻ಟ ෴โඃ ෩ಲේತ ಹಀౙಗಳ

ಉಲ౵ಂಘච෴ಞโൽಲ౵ ಆದฉ ಬದมಜ, ൿಬბಲ ๬ಲಛರರ ರౘൕಯඝ౬ ಬಲಪല๯ತ౨ං.

๬෥೧ಕ ක౲ಯ, ಆ൮ბಕ ක౲ಯಪರ൤ಯ ತತ౷ಗำ ๻ಟ ಬൿಀ ಮൡ౨ ಘನ൤ಯ

๸ರౘൕ෷ ತౘಣ ೦คತั๯โದರ ಅಗತ౲൤ಯඝ౬ ಸಮ൮ბ๯ತ౨ๅ.

เಷಯโ ൡൡბ ಸ౷งಪർ౪ಜฆโದคಂದ ಮൡ౨ ฃಜ౲ เඋನ෱ಡಲದ ಉಭಯ

ಸದನಗำ ಅඌๆಶನದย౵ಲ౵ൽฆโದคಂದ, ෬ยನ ಉං౪ೕಶವඝ౬ ๬ඌಸฤ ಕකბಟಕ ౾ฆ

(Micro) ๬ಲ ಮൡ౨ ಸಣ౧ ๬ಲ (ಬಲ๋ತದ ಕ౳ಮಗಳ ඛ๤ದ) ಅඋ౲ඃಶ, 2025 (2025ರ

ಕකბಟಕ ಅඋ౲ඃಶ 02)ඝ౬ ಪ౳ಌ౲ඪಸมಜൡ౨.

ಈ เඒಯಕโ ಸದค ಅඋ౲ඃಶದ ಬದย เඒಯಕ฿ಜං.

ಆದ౪คಂದ ಈ เඒಯಕ.

ಆ൮ბಕ ೦ౢಪನ ಪತ౳

ಪ౳๬౨เತ ๎ಸකತ౱ಕ ಕ౳ಮൽಂർಜ ෴โඃ ກ೉౞ನ ๅಚ౞โ ಉಂഓಞโൽಲ౵.

ಪ౳൞౲෽ೕ೧ತ ๎ಸකඌ౽ರದ ಀคൡ ೦ౢಪನ ಪತ౳

ಘಡ 12

ಀಂൿಆರ൤ ౽ಯბವ౲ವ๲౩ಛಜನ ౽ಯბเඋನ ಮൡ౨ ෥ಗბ๰೉ಗಳ

ಀคൡ ඛಯಮಗಳඝ౬ ರ೉ಸฤ ฃಜ౲ ಸ౽ბರಃౙ ಅඌ౽ರವඝ౬ ඛೕഴತ౨ං.

ಘಡ 18

เඒಯಕದ ಉං౪ೕಶಗಳඝ౬ ಈസค๯โದ౽ౙಜ තವბಪ౳ಕಟൕಯ ತฆ฿ಯ

ඛಯಮಗಳඝ౬ ರ೉ಸฤ ฃಜ౲ ಸ౽ბರಃౙ ಅඌ౽ರವඝ౬ ඛೕഴತ౨ං.

ಪ౳๬౨เತ ๎ಸನ ರಚකඌ౽ರದ ಪ౳൞౲෽ೕಜච෷ ฿ലಃಯ ಸ౷งಪർ౪ಜං.

๭ದ౫ฃಮಯ౲

෨ಖ౲෱ൟ౳ ಮൡ౨ ಹಣ౽๯ ෱ൟ౳

JA.PÉ. «±Á¯ÁQë

PÁAiÀÄðzÀ²ð

PÀ£ÁðlPÀ «zsÁ£À¸À¨sÉ

ಕකბಟಕ เඋನ ಸොಯ ౽ಯბ เඋನ ಮൡ౨ ನಡವัಃ ඛಯಮಗಳ 80ඡ ඛಯಮದ

(1)ඡ ಉಪඛಯಮದ ෩ಲಕ ಅಗತ౲ಪലಸมඈ൤ เವರ൏ತ౱ಕ ຂัಃ.

1. ౾ฆ ๬ಲ, ಸಣ౧ ๬ಲ, ಌಸಜ ಹಣ౽๯ ಮൡ౨ ಇತฉ ಅඛ฀ൟ౳ತ ศ฿ඃเ

෥ඹ෴ಗำ ๬ಲಛರ ಸ෩ಹಗะඈತಹ ಬಡ ಛ౳෦ೕಣ ඛಗბൟಕฆ, ನಗರ ౽෦ბಕฆ,

ಸ෥ಜದ ಅಶಕ౨ ಮൡ౨ ൿಬბಲ ವಗბದವರඝ౬ ඪೕല๯ൟ౨ๅ ಮൡ౨ ಉ๭ฆಗഔౣ๯ൟ౨ๅ.

๬ಲಛರඛಡ ಬല౥ಯ ಀค൪൤ ಃಲ่෫౱ ൿಪ౭ഖౣ ෮ತ౨ವඝ౬ ಅಥ฿ ກ೉౞ನ

ಬല౥ಯඝ౬

ඩವൟಸฤ

ಒ൞౨෵ಸมಞൟ౨ං.

ศ฿ඃเർರರ

౽ರಣൽಂർಜ

๬ಲಛರฆ ෈ೕൽಡ ಬฆ๋൤ ಮൡ౨ ಆತ౱ಹ൤౲ ෥ലಆำ౶๋൤ ಒ൞౨ಯಪലಸมಞൟ౨ං.

ಪ౳๬౨เತ

๎ಸನโ

๬ಲಗಳඝ౬

ಪഷ෷ವ

ಮൡ౨

ඦತರ

๬ಲಗಳย౵෻

෨ำಜຄೕಜฆವ ಅಸ๻ಯಕರඝ౬ ౽ඩഴವ ಮൡ౨ ರ౾౹๯ವ ಀค൞ಜං.

ಪ౳๬౨เತ ๎ಸನโ, ෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ

ಅಥ฿ ๸๲౩ಗำ, ซತคಂದ ಂ๞ ಉತ౭ನ౬ಗಳඝ౬ ಪഷൿ ಂ๞ ಸರಀಗಳ ಖคೕൽ ಮൡ౨

෥ฃಟದย౵ ൧ಡಜฆವ ಅಥ฿ ಬಡವคಡ ๬ಲವඝ౬ ඛೕഴವ ಮൡ౨ ಅಸಲඝ౬

ಬല౥෽ಂൽಡ ನಗൿ ಅಥ฿ ವ๯౨งಪದย౵ ൤ಡൿಆำ౶ವ ศ฿ඃเർರฆ ಅಥ฿

ಅಂಗല ಅಥ฿ ฿൐ಜ౲ ๸๲౩ ಅಥ฿ ಎ๲ౣೕഡ ಘಟಕಗำ ඛೕഴವ ൿ෇ค ಬല౥ ದರಗಳ

ಅඝ೉ತ ൧ಂದฉ ಮൡ౨ ಬಲ๋ತದ ಮൡ౨ ಅ෥ನเೕಯ ವ๰มൟ เඋನಗัಂದ

ಆ൮ბಕ฿ಜ ൿಬბಲ ಞಂඬಗำ ಮൡ౨ ವ౲౾౨ಗำ, เ๕ಷ฿ಜ ಮ๼ึಯฆ ಮൡ౨ ಮ๼ะ

ಸ౷ಸ๻ಯ ಞಂඬಗಳඝ౬ ರ౾౹ಸฤ ๻ಟ ಕකბಟಕ ฃಜ౲ದย౵ ౽ಯბඛವ๼๯ൟ౨ฆವ

෭ಆ౳ೕ වකඨ౺ ๸๲౩ಗำ ಅಥ฿ ๬ಲ ඛೕലಃ ಏ೬ඛ౺ಗำ ಅಥ฿ ๸๲౩ಗಳඝ౬

ඛ฀ൟ౳ಸฤ ಪค൏ಮ౽ค ౽ಯბವ౲ವ๲౩ಯඝ౬ ๱೧๯ವ ಉං౪ೕಶ౽ౙಜ ๻ಟ ಅದಃౙ

๸ීಧಪಟౣ ಅಥ฿ ಅದಃౙ ඩ౳๸ಜಕ฿ದ เಷಯಗಳ ಀค൞ಜං.

2. ಪ౳๬౨เತ ๎ಸನದ ෨ಖ౲ ಉං౪ೕಶโ ಅಸ๻ಯಕ ๬ಲಛರರඝ౬ ಬಲ๋ತದ

ಮൡ౨

౽ඞඝ෇๼ರ

ವ๰มൟ

ಪದ౪ൟಗัಂದ

ರ౾౹๯ವ

ಀค൞ಜൿ౪,

ಈ

෨ಂൽನโಗಳඝ౬ ಁലං:

(ಎ) 21ඡ ಅඝ೎౟ೕದ – ಬൿ౾ನ ಹಀౙ ಮൡ౨ ็ಯ౾౨ಕ ๬౷൪ತ౳౲. ಸ่ೕბಚ౟

ක౲෴ಲಯโ ಆ൮ბಕ ๗ೕಷൕ ಮൡ౨ ౾ฆಀಳโ ವ౲౾౨ ದರವವඝ౬

ಅൟಕ౳෦๯ൟ౨ං෺ಂൿ ಪඃಪඃ ಅ෗ඩ౳ಯಪഔౣං.

ಪ౳๬౨เತ ๎ಸನโ

ಆತ౱ಹ൤౲ಗัಡ ඀ഴൟ౨ฆವ ಮൡ౨ ൧ಂದฉಗಳඝ౬ ඛೕഴൟ౨ฆವ ಆ൮ბಕ

ൿವ౲ბವ๲౩෵ಂದ ತഷಗഖౣವ, ಈ ෩ಲಕ ෩ಲේತ ಹಀౙಗಳ ರౘൕಯඝ౬

ಖ೉ತಪല๯ವ ಀค൞ಜං.

(෈) ฃಜ౲ ඛೕൟಯ ඛඃბಶකತ౱ಕ ತತ౷ಗಳ 38 ಮൡ౨ 39ඡ ಅඝ೎౞ೕದಗำ

ಅಸ෥ನ൤ಗಳඝ౬ ತಜ౛๯โൿ ಮൡ౨ ಃಲๆ ವ౲౾౨ಗಳ ಅಯย౵ ๸ಪൡ౨

ಆ౳ೕുೕಕರಣ฿ಞโದඝ౬ ತഷಗഖౣโൿ ฃಜ౲ದ ಕತბವ౲฿ಜං. ಪ౳๬౨เತ

๎ಸನโ ౽ඞඝ ೓ಕഖౣಗಳ ຄರಡ ౽෴ბಚค๯ವ ඣೕಂർ෵ತವಲ౵ದ

ศ฿ඃเർರರඝ౬ ඛ฀ൟ౳๯ವ ෩ಲಕ ಗಮನಹค๯ತ౨ං.

(๭) 14ඡ ಅඝ೎౟ೕದದല (ಸ෥ನ൤ಯ ಹಀౙ) ෷ಕ౨ ವಜೕბಕರಣದ ತತ౷โ ฃಜ౲ಃౙ

ක౲ಯಸಮ౱ತ

౽ಳ೧ಗಳ

ಆඋರದ

෬ว

เ෗ನ౬

ಪ౳ವಗბದ

ศ฿ඃเർರರඝ౬ เ෗ನ౬฿ಜ ವ౲ವಹคಸฤ ಅඝโ ෥ലಆഴತ౨ං.

ಪ౳๬౨เತ ๎ಸನโ ಆฑ ෈ಐನ ಕಣ౨ඪ౭ಡ ಒಳಪಡං ඣೕಂർ෵ತವಲ౵ದ ಮൡ౨

ಅඛ฀ൟ౳ತ ศ฿ඃเർคಡ ෥ತ౳ ಅನ౷ಯ฿ಞโൿ.

(ല) 19(6)ඡ ಅඝ೎౟ೕಧ- ๬ವბಜඛಕ ๼൞ಸ౾౨ಯย౵ ไൟ౨ಗಳඝ౬ ඛ฀ൟ౳๯ವ

෩ಲಕ ฿౲ඩರ ಮൡ౨ ವ౲ವ๻ರಗಳ ෬ว ಸ౽ರಣ฿ದ ඛಬბಂಧಗಳඝ౬

෥ಡฤ ฃಜ౲ಃౙ ಅඝโ ෥ലಆഴತ౨ං. ಪ౳๬౨เತ ๎ಸನโ ౽ඞඝಬದ౫

ศ฿ඃเಯඝ౬ ඛ๤ඌ๯โൽಲ౵ ಆದฉ

๬ವბಜඛಕ ಕಳಕั෵ಂർಜ

ಬಲ๋ತದ ವ๰มൟಗಳඝ౬ ඛಬბಂඌ๯ತ౨ං.

(ಇ) ಸ่ೕბಚ౟ ක౲෴ಲಯโ, ಞಜฃ൬ ฃಜ౲ เฆದ౫ ෦೦ბඬರದ ෮ೕൟ

ಏช๞

ಕಸ෕

ಜ෥൬

(2005)

ඦತಹ

ಪ౳ಕರಣಗಳย౵

๬ವბಜඛಕ

ಃ౹ೕ෥෗ไൽ౫ಯ

ຄൕಯย౵ർ౪ಗ

ฃಜ౲ದ

ಮಧ౲ಪ౳ๆಶವඝ౬

ಎൟ౨๼ലൽฆತ౨ං. ಬಲ๋ತದ ศ฿ඃเ෷ ಹಲ฿ฆ ซತರ ಪ౳ಕರಣಗಳย౵

ಆತ౱ಹ൤౲ಗำ ๻ಟ ಆ൮ბಕ ನಷౣಃౙ ർค෴ಞโංಂൿ ຂัං, ಪ౳๬౨เತ

๎ಸನโ

๬෥೧ಕ

ಸಮ๲౲ಡ

ಒൡ౨ඛೕಡฤ

ಪ౳෥൏ඝ๬ರ

ಪ౳ൟ౾౳෺෴ಜฆತ౨ං.

3. ಪ౳๬౨เತ ๎ಸನโ ౽ฃ฿ಸ ಮൡ౨ ೩ม౱චಯඣ౬ಳತಂಡ ඈಡචಗಳඝ౬

เඌ๯ತ౨ං.

(ಎ) ಹಣದ ಅಕ౳ಮ ಚมವൕ ಪ౳ൟීಧಕ ಅඌඛಯಮ, 2002 (PMLA) ฏತಹ

ಹಣ౽๭ನ ౽ඞඝಗಳย౵ ಆ൮ბಕ ൿನბಡ൤ಛಜ ಕണಣ ඈಡචಗಳඝ౬

เඌ๯฿ಗ,

ಉഴಬฆವ

๏ಃ౹෷,

ກದค๯ವ

෩ಲಕ

ತഷ෷ವ

๭ർ౪ಂತൽಂದ ಁലං.

(෈) ಸ่ೕბಚ౟ ක౲෴ಲಯโ, ඛฏಀಶ൤ಯඝ౬ ವ౲ಕ౨ಪലಸದ ຄರ൞ಜฆವ

ඈಡචಗಳඝ౬ (ಆಂಧ౳ ಪ౳ඃಶ ฃಜ౲ เฆದ౫ ෥౲ಋ ഺๅฯ & ಉಪඛ, 1996)

เඌ๯ವ เඋನ෱ಡಲದ ಅඌ౽ರವඝ౬ ಎൟ౨๼ലൽං. ಬಲ๋ತದ ๬ಲ

ඛೕലಃಯ ಪค൏ಮ, ඈಡචಗಳඝ౬ ಅವಶ౲ಕ ඛಬბಂಧಗಳක౬ಜ ೦คತัಸฤ

ඛೕಡมಞൟ౨ං.

4. ಪ౳๬౨เತ ๎ಸನโ ඣೕಂർ෵ತವಲ౵ದ ศ฿ඃเർರฆ ൤ಡൿಆಂಡ

ಭದ౳൤ಗಳඝ౬

(Securities)

෨ಕ౨ತั๯โದඝ౬

ಕറ౥ಯತั๭ං.

෇౲ಂ౾ಂ಩

ವ౲ವ๲౩ಗัಜಂತ ಇൿ ෗ನ౬฿ಜൿ౪, ಇದඝ౬ ๼ೕಡ ಸಮ൮ბಸมಜං ಎಂದฉ:

(ಎ)

39(๭)

ಅඝ೎౟ೕದದ

ฃಜ౲

ඛೕൟಯ

ඛඃბಶකತ౱ಕ

ತತ౷ಗำ,

෇౲ಂಀಗ฼ತಲ౵ං,

ඣೕಂർ෵ತವಲ౵ದ

ศ฿ඃเർರฆ

ඛ฀ತ౳ಕ

ಕಣ౨ඬ౭ಗಳ ຄರ൞ಜ ౽෴ბಚರൕ ෥ഴโൿ ಮൡ౨ ๻ಛಢ ಬಲ๋ತ฿ಜ

ಭದ౳൤ಗಳඝ౬ ๬౷ඌೕನ ಪല๭ಆำ౶โದರ ಆ൮ბಕ ๗ೕಷൕಯඝ౬ ತഷಗಟౣฤ

ฃಜ౲ ಸ౽ბರವඝ౬ ಕറ౥ಯತั๯ತ౨ๅ.

(෈) ಪ౳ಬಲ ಮಧ౲ಪ౳ๆ๏ಃಗಳඝ౬ ಅಗತ౲ಪല๯ವย౵ ๬ಲಛರರඝ౬ ರ౾౹ಸฤ

เಫಲ฿ಜฆತ౨ං. ಸ่ೕბಚ౟ ක౲෴ಲಯโ ല.ಎ๺.ನಕರ เฆದ౫ ූರತ

ಒಁౙಟ (1983) ಪ౳ಕರಣದย౵, ฃಜ౲โ ൿಬბಲ ವಗბಗಳ ಸ෥೯ೕ-ಆ൮ბಕ

ಃ౹ೕ෥෗ไൽ౫ಛಜ ಸ౾౳ಯ ಕ౳ಮ ಅತำ౶โದඝ౬ ಎൟ౨๼ലൽං.

(๭) ಸ่ೕბಚ౟ ක౲෴ಲಯโ, ಂಷ౧ ಀ෥ฑ ๭ಂ಩ เฆದ౫ ෈๻ರ ฃಜ౲

(2017)ರ ಪ౳ಕರಣದย౵, ๎ಸನโ ತౘಣದ ಅವಶ౲ಕ൤ಯ ಆඋರದ ෬ยರತಕౙං౪ಂൿ

ಅ෗ඩ౳ಯಪഔౣฆತ౨ං. ಪ౳๬౨เತ ๎ಸನโ ൡ൞ბಜ ๬ಲಛರರ ರౘൕಯඝ౬

ಸಮ൮ბ๯ತ౨ං.

ಪ౳๬౨เತ ๎ಸನโ ಹಣ౽๭ನ ๗ೕಷൕಯඝ౬ ඛೕಜಸฤ ಅವಶ౲ಕ฿ಜං ಮൡ౨

౽ඞඝಬದ౫ ಸಮಥბ ಮಧ౲๭౩ಃ෴ಜං ๻ಟ ෴โඃ ෩ಲේತ ಹಀౙಗಳ

ಉಲ౵ಂಘච෴ಞโൽಲ౵ ಆದฉ ಬದมಜ, ൿಬბಲ ๬ಲಛರರ ರౘൕಯඝ౬ ಬಲಪല๯ತ౨ං.

๬෥೧ಕ ක౲ಯ, ಆ൮ბಕ ක౲ಯಪರ൤ಯ ತತ౷ಗำ ๻ಟ ಬൿಀ ಮൡ౨ ಘನ൤ಯ

๸ರౘൕ෷ ತౘಣ ೦คತั๯โದರ ಅಗತ౲൤ಯඝ౬ ಸಮ൮ბ๯ತ౨ๅ.

เಷಯโ ൡൡბ ಸ౷งಪർ౪ಜฆโದคಂದ ಮൡ౨ ฃಜ౲ เඋನ෱ಡಲದ ಉಭಯ

ಸದನಗำ ಅඌๆಶನದย౵ಲ౵ൽฆโದคಂದ, ෬ยನ ಉං౪ೕಶವඝ౬ ๬ඌಸฤ ಕකბಟಕ ౾ฆ

(Micro) ๬ಲ ಮൡ౨ ಸಣ౧ ๬ಲ (ಬಲ๋ತದ ಕ౳ಮಗಳ ඛ๤ದ) ಅඋ౲ඃಶ, 2025 (2025ರ

ಕකბಟಕ ಅඋ౲ඃಶ 02)ඝ౬ ಪ౳ಌ౲ඪಸมಜൡ౨.

KARNATAKA LEGISLATIVE ASSEMBLY

SIXTEENTH LEGISLATIVE ASSEMBLY

SIXTH SESSION

THE KARNATAKA MICRO LOAN AND SMALL LOAN (PREVENTION OF

COERCIVE ACTIONS) BILL, 2025

(LA Bill No. 06 of 2025)

A Bill 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.

1. Short title, commencement and application.-(1) This Act may be called

the Karnataka Micro Loan and Small Loan (Prevention of Coercive Actions)

Act, 2025.

(2) It shall deemed to have come into force with effect from 12^th day

February, 2025.

(3) Nothing in this Act shall be applicable to legal, registered and regulated

bodies like Banks (including Small Finance Banks, Local Area Banks, Regional

Rural Banks and Business Correspondents of Banks) regulated by RBI, all Co-

operative Banks and all Non-Banking Financial Companies and Housing Finance

Corporation, registered with RBI.

(4) The provisions of this Act shall be in continuation of and not in derogation

of any existing law for the time being in force.

2. Definitions.- (1) In this Act, 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.

this Act 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 micro loan, small loan and 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

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 Act, 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 Act, shall within thirty days from the date of

commencement of this Act, 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 Act.

(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 Act shall grant any loans or recover any

loans without obtaining registration under this Act 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

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 Act 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:

Provided that, any such security obtained from a borrower before the date of

commencement of this Act shall forthwith stand released in favor of the borrower.

Explanation: For the purpose of this Act “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

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

Act, 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.

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 Act 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 Act.

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 Act, 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 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 Act 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. Grievances redressal forum.- The Government shall establish suitable

grievance mechanism. The procedure and guidelines for grievance mechanism

shall be in the manner as may be prescribed.

13. Penalty for contravention of section 8 of the Act.- Any person who

contravenes of section 8 of this Act, 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 Act

are cognizable and non-bailable.

14. Every officer to be public servant.- Every officer of the Government

and every person acting under the provisions of this Act shall be deemed to be a

public servant within the meaning of sub-section (28) of section 2 of the Bharatiya

Nyaya Sanhita, 2023 (Central Act 45 of 2023).

15. 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 Act, 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 unregistered and unlicensed

Micro finance institutions or Money Lending Agencies or Organizations or Lender

resort to coercive action.

(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.

execution proceedings) pending on the said date against any borrower for the

recovery of any such loan shall abate.

16. Power to remove difficulties.- If any difficulty arises in giving effect to

the provisions of this Act, the State Government may, by an order, published in the

Official Gazette, make such provisions not inconsistent with the provisions of this

Act 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 Act.

17. 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 Act and the rules made thereunder to the officers, Micro Finance Institutions

(MFI) or Money Lending Agencies or Organizations, borrower, lender for the

purpose of proper implementation of the Act and such officers and all other persons

employed in the enforcement of the Act, shall comply with such orders, instructions

and directions.

18. Power to make rules.-(1) The State Government may, by notification in

the Official Gazette make rules to carry out the purposes of this Act.

(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 Act 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.

19. Repeal and savings.- (1) The Karnataka Micro Loan and Small Loan

(Prevention of Coercive Actions) Ordinance, 2025 (Karnataka Ordinance No. 02 of

2025) is hereby repealed.

(2) Notwithstanding such repeal, anything done or deemed to have been done

or any action taken or deemed to have been taken under The Karnataka Micro Loan

and Small Loan (Prevention of Coercive Actions) Ordinance, 2025 (Karnataka

Ordinance No. 02 of 2025) shall be deemed to have been done under this Act.

STATEMENT OF OBJECTS AND REASONS

1. The micro loan, small loan, private finance and other unregulated lending

mafia are harassing and strangulating the borrowing community like poor rural

indigents, urban workers, weaker and vulnerable section of the society. The

borrower is constrained to pay sometimes double the amount or more, towards

interest. The borrower is driven to streets and driven to commit suicide, on account

of lenders. The proposed Legislation is to protect and rescue the helpless who

happen to borrow loans and then are doomed in debts.

The proposed Legislation is to protect and relieve the economically

vulnerable groups and individuals, especially women and women self help groups

from the undue hardship of usurious interests rates and coercive means of recovery

by Micro Finance Institutions or Money Lending Agencies or Organizations involved

in buying and selling Agricultural commodities by accepting agricultural produce

from farmers or money lenders who lend money to poor and extract the principal

with interest in form of cash or kind or shop or commercial establishment or estate

entity and for this purpose to create an effective mechanism to regulate the Micro

Finance Institutions or Money Lending Agencies or Organizations operating in the

state of Karnataka and for matters connected therewith and incidental thereto.

2. The primary objective of the proposed Legislation is to protect helpless

borrowers from coercive and unlawful recovery practices, which aligns with:

(a) Article 21-Right to Life and Personal Liberty. The Supreme Court has

repeatedly held that economic exploitation and harassment infringe upon

the dignity of individuals. The proposed Legislation seeks to prevent

financial distress that has led to suicides and severe hardships, thereby

ensuring the protection of fundamental rights.

(b) Articles 38 and 39 of the Directive Principles of State Policy. The State

has a duty to reduce inequalities and prevent the concentration of wealth

in a few hands. The proposed Legislation addresses this by regulating

unregistered lenders who operate outside legal frameworks.

Equality) allows the State to treat different categories of lenders differently

based on legitimate concerns. The proposed Legislation applies only to

unregistered and unregulated lenders, who are not subject to RBI

oversight.

(d) Article 19(6)-Reasonable Restrictions on Trade and Business which

allows the State to regulate professions in the interest of the general

public. The proposed Legislation does not prohibit lawful lending but

restricts coercive recoveries, which have been a cause of public concern.

(e) The Supreme Court, in cases like State of Gujarat v/s Mirzapur Moti

Kureshi Kassab Jamat (2005), has upheld State intervention when public

welfare is at stake. Given that coercive lending has led to numerous cases

of farmer suicides and financial ruin, the proposed Legislation is a

proportional response to a pressing social issue.

3. The proposed Legislation imposes penalties, including imprisonment and

fines.

(a) The punishment aligns with the doctrine of deterrence, as seen in

financial laws like the Prevention of Money Laundering Act (PMLA), 2002,

which imposes strict penalties for financial misconduct.

(b) The Supreme Court has upheld the power of the legislature to determine

penalties unless they are manifestly arbitrary (State of Andhra Pradesh

v/s McDowell & Co., 1996). Given the impact of coercive lending, the

penalties serve as a necessary deterrent.

4. The proposed Legislation mandates the release of securities taken by

unregistered lenders. While this differs from banking practices, it is justified

because:

(a) Article 39(c) Directive principles of state policy, mandates that the

State prevent economic exploitation. Unlike banks, unregistered

lenders operate without regulatory oversight and often acquire

securities through coercion.

(b) Existing legal mechanisms have failed to protect borrowers,

necessitating stronger interventions. The Supreme Court, in D.S.

Nakara v. Union of India (1983), upheld that the State can take

proactive measures for the socio-economic welfare of vulnerable

groups.

held that Legislation must be based on immediate necessity. The

urgency of borrower protection justifies the proposed Legislation.

The proposed Legislation is a necessary and legally sound intervention to

address financial exploitation and does not violate any fundamental rights but

rather strengthens protections for vulnerable borrowers. The principles of social

justice, economic fairness, and the protection of life and dignity justify the need for

immediate enforcement.

As the matter was urgent and both the Houses of the State Legislature were

not in session, the Karnataka Micro Loan and Small Loan (Prevention of Coercive

Actions) Ordinance, 2025 (Karnataka Ordinance No. 02 of 2025)was promulgated

to achieve the above object.

This Bill seeks to replace the above ordinance.

Hence, the Bill.

FINANCIAL MEMORANDUM

There is no extra expenditure involved in the proposed legislative measure.

MEMORANDUM REGARDING DELEGATED LEGISLATION

Clause 12

empowers the State Government to prescribe by rules, regarding

procedure and guidelines for grievance mechanism.

Clause 18

empowers the State Government to make rules after previous

publication to carry out the purposes of the Bill.

The proposed delegation of Legislative power is normal in character.

SIDDARAMAIAH

Chief Minister and Minister for Finance

M.K. VISHALAKSHI

Secretary

Karnataka Legislative Assembly

EXPLANATORY STATEMENT AS REQUIRED BY SUB-RULE (1) OF RULE 80 OF

THE RULES OF PROCEDURE AND CONDUCT OF BUSINESS IN THE

KARNATAKA LEGISLATIVE ASSEMBLY.