hindhuja lyland finance · - 3 - hmbv] ds-ºsn cu hmbv] dsºsn 2014 ˛...

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- 1 - lnμpP sebvem‚v ^n\m≥kv lnμpP sebvem‚v ^n\m≥kv lnμpP sebvem‚v ^n\m≥kv lnμpP sebvem‚v ^n\m≥kv lnμpP sebvem‚v ^n\m≥kv hmbv] DS-ºSn At]-£-Is‚ t]cv :............................................................................................ Icm¿ \º¿ :............................................................................................. lnμpP sebvem‚ v ^n\m≥kv enan-‰Uv tIm¿∏-td‰v Hm^o-kv, \wº¿ 167˛169, ap∂mw \ne, AÆm imsse, kbvZm-s]-´v, sNss∂ ˛ 600 015 cPn: Hm^o-kv˛1, k¿Zm¿]-t´¬ tdmUv, Kn≠n, sNss∂˛600032

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Page 1: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 1 -

lnµpP sebvem‚v ^n\m≥kvlnµpP sebvem‚v ^n\m≥kvlnµpP sebvem‚v ^n\m≥kvlnµpP sebvem‚v ^n\m≥kvlnµpP sebvem‚v ^n\m≥kv

hmbv] DS-ºSn

At]-£-Is‚ t]cv :............................................................................................

Icm¿ \º¿ :.............................................................................................

lnµpP sebvem‚ v ^n\m≥kv enan-‰UvtIm¿∏-td‰v Hm^o-kv, \wº¿ 167˛169, ap∂mw \ne, AÆm imsse,

kbvZm-s]-´v, sNss∂ ˛ 600 015

cPn: Hm^o-kv˛1, k¿Zm¿]-t´¬ tdmUv, Kn≠n, sNss∂˛600032

Page 2: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 2 -

DS-º-Snbpw ]n.-Un.kn ]cn-tim-[\

DS-ºSn

1. apZ-]-Xn-∏n-bv°¬

F) apZ-]-Xn-∏n-bv°ens‚bpw C≥thm-bn-kn-s‚bpw DS-º-Sn-bp-sSbpw XoøXn

_n) bYm¿∞ apZ-hne ......................... ]Xn-∏n-®n-cn-°p-∂p.

2. Icm¿/DS-ºSn

F) Cu Icm¿ At]-£-bn¬ t^mt´m ]Xn-∏n-®n-´p≈ hmbv] FSp-Ø-

bm-fp-sSbpw Pmay-°m-cpsSbpw H∏p ]Xn-∏n-®n-cn-bv°p-∂p.

_n) hmbv] FSp-Ø-bm-fp-sSbpw Pmay-°m-c-s‚bpw H∏p-Iƒ bYm¿∞

H∏p-ambn Xmc-Xayw sNøp-∂-Xm-Ip-∂p.

kn) hmbv] FSp-Ømfpw/Pmay-°m-c\pw Cu Icm¿ Fs‚ km∂n-≤y-

Øn¬ H∏n-´n-cn-bv°p∂p (hy-Xymkw Ds≠-¶n¬ ]Xn-]m-Zn-°p-I)

Un) hmbv] FSp-°p∂ Bfp-tSbpw/Pmay-°m-c-s‚bpw H∏p-Iƒ AXmXp

ÿe-ß-fn¬ apZWw sNbvXn-´p-≠v.

C) DS-º-Sn-bpsS/Icm-dns‚ JWvUnI IrXy-ambn ]qcn-∏n®v H∏p ]Xn-

∏n®v Icm-dn-t\m-sSm∏w tN¿Øn-´p≠v

F^v) Unam‚ v t]man-k-dn-t\mSv hmbv] FSpØ Bfpw Pmay-°m-c\pw 1

cq] dh\yp Ãmºv ]Xn-∏n®v lmP-cm-°n-bn-´p-≠v.

Pn) Icm-dn¬ ]Xn-]m-Zn-bv°p∂ C≥thm-bvkns‚ ]I¿∏v CtXm-sSm-∂n®v

lmP-cm-°p-∂p.

3. km£n-Iƒ

t_m≤y-s∏-Sp-Ønb km£n-I-fpsS H∏pw ]Xn-∏n-®n-´p≠v/Icm-dnse

hyhÿ ]Imcw km£y-s∏-Sp-Øp∂ Bƒ D]-t`m-‡m-hns\ Adn-

bm-hp-∂-bmfpw ÿm]-\-Ønse tPmen-°m-ct\m Bbn-cn-t°-≠-Xm-Wv.

]n.-Un.kn

1) ]Ww sImSp-°p∂ Bfns‚ t]cv AbmXv lnµpP sebvem‚ v

^n\m≥kv enan-‰Uv IrXy-ambn apZWw sNbvXn-´pt≠m

2) _m¶ns‚ LSIw t]cv & ta¬hn-em-khpw IrXy-ambn tcJ-s∏-Sp-

Øn-bn- pt≠m

3) ]n.-Un.kn tiJ-cn-®n-cn-bv°p-∂ tÉvsa‚n¬ ImWn-®n-cn-°p-∂-Xmb

AtX A°u≠v \º-dp-X-s∂-bmtWm _m¶n-teXv

4) IrXy-amb XoøXn ]nUnkn bn¬ tcJ-s∏-Sp-Øn-bn-´pt≠m

5) A°-ßfpw A£-c-ßfpw IrXy-ambn tcJ-s∏-Sp-Øn-bn-´pt≠m

6) F√m ]nUnkn Ifnepw hmbv]-°m-c≥ IrXy-ambn H∏p-I¬ ]Xn-∏n-

®n- pt≠m

7) ka¿∏n-®n-cn-°p∂ sN°p-Iƒ A°u-≠v t]bv .................-F∂v amdm-

hp-∂-X-c-Øn¬ tImkv sNbvX-XmtWm

8) ]nUnkn `mKo-I-am-bn-´p-≈-Xm-sW-¶n¬ `mKo-I-ambn ]nUnkn

Nm¿Pmb 200 cq] tiJ-cn-®n-´pt≠m Abm-fpsS IS-°m-c≥ A[n-Im-

c-s∏-Sp-Ønb km£y-]Xw tij-ap≈ ]nUnkn Iƒ°mbn hmßn-

bn- pt≠m

9) ]nUnkn Ifnse H∏p-Iƒ At]-£-bnepw Icm-dnepw Un]n-F≥ epw

(I-S-°m-c\pw Pmay-°m-c\pw H∏n-´-Xn-te-Xn\p ka-am-tWm)

10) sN°n¬ ]d-bp∂ XpI amk-X-h-W-ØpI h¿°v jo‰n¬/Icm-dn¬

ImWn-®n-´p≈Xp Xs∂-bmtWm

11) aq∂m-a-sXm-cm-fpsS/as‰m-cm-fp-sSbpw sN°p-Iƒ kzoIm-cy-a√ (Pm-

ay-°m-c-s‚-b-√m-sX)

tImUv H∏v ÿew XobXnt]cv

Page 3: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 3 -

hmbv] DS-ºSn

Cu hmbv] DS-ºSn 2014 - - - - - - - - - - - - - - - - - - -am-≠v- - - - - - - - - - - - - - - - - - - - - - - amkw- - - - - - - - - - - - - - - -Xo-øXn Xøm-

dm-°n-bn-cn-°p-∂p.

lnµpP sebvem‚ v ^n\m≥kv enan-‰-Uv, 1956 am≠v Iº\n \nb-a-]-Imcw cPn-ÿ sNbvXn-´p-≈Xpw AXns‚

tIm¿∏-td‰v Hm^o-kv........................................................ cnP-tÃUv Hm^o-kv..................................... (C-Xn≥ ]Imcw Xmsg

hmbv] sImSp-°p∂ Bfmbn ImWn-®n-cn-°p-∂-Xpw) H∂mw ]m¿´n-bmbn ImWn-®n-cn-°p∂p

IqSmsX

............................................

C¥ybn¬ ÿnc..........................................

IS-°m-c≥...........................................................

c≠m ]m¿´n-bmbpw

IS-°m¿ (Im¿) hmßp-∂-Xn\v

Page 4: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 4 -

H∂mw ]´nI

\º¿ C\w hnh-c-߃

(A) Icm¿ hyh-ÿ-Iƒ

1 Icm¿ XoøXn

2 Icm¿ \º¿

(B) hkvXp hnh-c-߃

1 hkvXp-hns‚ hnh-c-Ww(-A-Ivk-k-dokv Dƒs∏-sS)

2 ta°v

3 tamU¬

4 F≥Pn≥ \º¿

5 tNknkv \º¿

6 cPn-kvtS-j≥ \º¿

7

(C) kmº-ØnI hnh-c-߃

1 hkvXp-hns‚ samØw XpI

2 tem¨ XpI/hmbv] XpI

3 am¿Pn≥ XpI

4 ]eni \nc°v

5 Imem-h[n

6 ]eni XpI

7 samØw KUp-°ƒ

8 amk AShp XpI

9 ap≥Iq¿ AS-bvt°≠ XpI-bpsS \º¿

10 Pmayw Xcp-∂-XpI (h-√Xpw Ds≠-¶n¬)

11 Pmay XpI-°p≈ ]eni \nc°v (%)

12 H∂mw h¿-jsØ C≥jp-d≥kv

13 c≠mw h¿jsØ C≥jp-d≥kv

14 aq∂mw h¿jsØ C≥jp-d≥kv

15 \memw h¿jsØ C≥jp-d≥kv

16 ]cn-[n-bn¬ s]SmØ sN°p-Iƒ Ds≠-¶n¬

Ah-bpsS Nm¿÷v

17 D]-tbm-Kn°s∏´ hml-\-Øns‚

(a)C≥jp-d≥kv Imem-h[n

(b)s]¿an‰v Imem-h[n

(c)\nIpXn AS-®n-cn-°p-∂Xv

(D) a‰p Nm¿÷p-Iƒ

1 sN°p-Iƒ aS-ßn-b-Xns‚ s]\m¬‰n Nm¿÷v

(a)BZyw lmP-cm-°n-bXn\v

(b)c≠m-aXv lmP-cm-°n-bXn\v

(c)If-£≥ sN°v aS-ßn-b-Xns‚ Nm¿÷p-Iƒ

2 a‰p Nne-hp-Iƒ \S-Øn-]n-\m-bn-´p≈ Nne-hp-Iƒ

3 Icm¿ Imem-h-[nbv°p ap≥]m-bn-´p≈ Icm¿ Ah-

-km \n-∏n-°p-tºmƒ HmSp-t°≠ XpI-bpsS \nc°v

4 JWvUw 2.9 15 D]-JWvUw \º¿ 15.1 ¬

HmSp-t°-≠-Xmb IqSp-X¬ XpI-bpsS \nc°v

]Ww sImSp-°p∂ Bƒ IS-°m-c≥ Pmay-°m-c≥

Pma

y-°m-c

≥I

S-°

m-c≥

Page 5: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 5 -

c≠mw ]´nI

Xncn-®-S-hns‚ ]´nI

KUp-°-fp sN°ns‚ AS-bvt°≠ ASbvt°≠

sS \º¿ \º¿ XobXn XpI

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Xmsg ]d-bp∂ Bfp-Iƒ Xmsg ]d-bp∂ Znhkw, amkw, B≠n¬ Xmsg ]d-bp∂ km£n-Iƒ

ap≥]msI Isøm∏p ]Xn-∏n-®n-cn-°p∂p

XoøXn

]Ww sImSp-°p-∂-bmƒ IS-°m-c≥ Pmay-°m-c≥

km£n-Iƒ

1.

2

KUp-°-fp sN°ns‚ AS-bvt°≠ ASbvt°≠

sS \º¿ \º¿ XobXn XpI

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Pma

y-°m-c

≥I

S-°

m-c≥

Page 6: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 6 -

Unam‚ v t]man-kdn t\m´v

XoøXn amkw sIm√w

lnµpP sebvem‚ v ^n\m≥kv enan-‰Uv

tIm¿]-td‰v Hm^o-kv˛167˛169, aq∂mw \ne

AÆm-im-sse, sskZm-t]- v, sNss∂˛600015

t]¿°v

Xm¶ƒ Bh-iy-s∏-Sp∂ apdbv°v Rm≥/R߃ Iq´mbn lnµp-P............................................................

.......................................................................................................................... (c-Pn.-Hm-^okv AU-v) t\m

As√-¶n¬ Hm¿U¿t°m .............................................-cq-]............................% ]en-i-b-S°w As√-¶n¬

lnµpP sebvem‚ v ^n\m≥kv Iº\n Imem-Im-e-ß-fn¬ \nP-s∏-Sp-Øp∂ \nc-°n¬ Xncn-®-S-

hp≈ XpIbv°p Xpey-am-bXp bmsXmcp]m[n-Ifpw IqSmsX XncnsI \¬Ins°m≈m-sa∂v

CXn-\m¬ kΩ-Xn-®n-cn-°p-∂p.

F∂v,

cq].............................

H∏v

IS-°m-c‚ v :

Pmay-°m-c‚

Page 7: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 7 -

hmbv] DS-ºSn

...........................-h¿jw................amkw..............-Xo-ø-Xn, 1956 se

Iº\n \nb-a-]-Imcw cPn-ÿ sNbvX lnµpP sebvem‚ v

^n\m≥kv enan-‰Uv Iº-\n, tIm¿∏-td‰v Hm^okv: 167-- 169

ap∂mw \ne, AÆm-k-sse, skbvZvt]´v, sNss∂˛600015,

tÉv Hm^okv:................................... ~H∂mw I£n-bmbpw

(tijw `mK-ß-fn¬ hmbv] sImSp-°p-∂-bmƒ (hm-bv]m-

Zm-Xm-hv) F∂v ]cm-a¿in-°-s∏- n-cn-°p-∂p) (]n≥Xp-S¿®-

°m¿ F∂¿∞w hcp-∂Xpw Sn hy‡n-Iƒ Dƒs∏-Sp-∂-

Xp-amb kµ¿ -ß-fn¬ a‰v sshcp-≤y-߃ C√mØ ]£w

Cu ]cm-a¿iw Xs∂ ]tbm-Kn-°-s∏- n-cn-°p-∂p)

io/ioaXn/sat¿kv.................................................... C¥y-bn¬ Xmakw/]q¿Æ DS-a-ÿX/

Iq´p ]¶m-fnØ I®-hSw/1932 ]m¿Sv\¿jn∏v BIvSv As√-¶n¬ 1956 se Iº\n \nb-a-]-

Im-ctam ÿm]n-X-amb Iº\n/Xmakw/]n≥kn-∏¬ Hm^okv/cPn-tÿUv Hm^okv c≠mw

I£n-bmbpw

(tijw `mK-ß-fn¬ hmbv] hmßp-∂-bmƒ (hmbv] kzoI¿Øm-hv) F∂v ]cm-a¿jn-°-

s∏- -cn-°p-∂p. \nb-a-]-c-amb Ah-Im-in-Iƒ, Xm¬]-cy-]-Im-c-ap≈ ]Xn-\n-[n-Iƒ, \S-

Øn-∏p-Im¿, `cW I¿Øm-°ƒ F∂¿∞w hcp-∂Xpw Sn hy‡n-I¬ Dƒs∏-Sp-∂-Xp-amb

kµ¿ -ß-fn¬ a‰v sshcp-≤y-߃ C√m-Ø-]£w Cu coXn-bn¬ Xs∂ ]cm-a¿in-°-s∏-

´n-cn-°p∂p

io/ioaXn/sat¿kv.................................................... C¥y-bn¬ Xmakw/]q¿Æ DS-a-ÿX/

Iq´p ]¶m-fnØ I®-hSw/1932 ]m¿Sv\¿jn∏v BIvSv As√-¶n¬ 1956 se Iº\n \nb-a-]-

Im-ctam ÿm]n-X-amb Iº\n/Xmakw/]n≥kn-∏¬ Hm^okv/cPn-tÿUv Hm^okv aq∂mw

I£n-bmbpw

Pmay-°m-c≥/°m¿ F∂v ]cm-a¿jn-°-s∏- n-cn-°p∂p (tijw mK-ß-fn¬ hmbv] hmßp-

∂-bmƒ (hmbv] kzoI¿Øm-hv) F∂v ]cm-a¿jn-°-s∏- -cn-°p-∂p. \nb-a-]-c-amb Ah-

Im-in-Iƒ, Xm¬]-cy-]-Im-c-ap≈ ]Xn-\n-[n-Iƒ, \S-Øn-∏p-Im¿, `cW I¿Øm-°ƒ

F∂¿∞w hcp-∂Xpw Sn hy‡n-I¬ Dƒs∏-Sp-∂-Xp-amb kµ¿ -ß-fn¬ a‰v sshcp-≤y-

߃ C√m-Ø-]£w Cu coXn-bn¬ Xs∂ ]cm-a¿in-°-s∏- n-cn-°p∂p.

F) hmbv] hmßp-∂-bmƒ (~H∂mw ]´n-I-bn¬ hnh-cn-®n-cn-°p-∂) GsXmcp hkvXp

(kz-Øv) hmtWm hmßn D]-tbm-Kn-°p-hm≥ Xm¬]-cy-s∏-Sp-∂Xv AXn-te-bv°m-

bn........................ cq]-bv°p-≈n¬ hcp∂ hmbv]m kuIcyw A\p-h-Zn®p Xcp-hm≥

hmbv]m ZmXm-hns\ kao-]n-°p-Ibpw Bh-iy-s∏-Sp-Ibpw sNbvXn-cn-°p-∂p. (tijw

`mK-ß-fn¬ hkvXp (kz-Øv) F∂v ]cm-a¿jn-°-s∏- n-cn-°p-∂p)

_n) hmbv] hmßp∂bmƒ lmP-cm-°nb Pmay-°m¿ Icm-dnse hyh-ÿ-Iƒ°\p-kr-

X-am-bn, ISw hmßp-∂-bmƒ sNtø-≠-Xmb hmbv] Xncn-®-S-hn\v `wKw hcp-Øn-

bm¬ hmbv] sImSp-°p-∂-bmfv°v Bh-iy-amb apX¬, ]en-i, Iq´p-]-en-i, a‰p

Nne-hp-Iƒ \jvS-߃, \jvS-]-cn-lm-c-߃, ]ng-Iƒ F∂nh hmbv]-bp-ambn _‘-

s∏- p-≠m-tb-°m-hp∂p ]iv\-߃ ]cn-l-cn-bv°p-hm≥ _m≤y-ÿ-cm-Wv.

hmbv] hmßp∂bmfpsS Pmay-°m-cp-sSbpw At]£ ]Imcw A\p-h-Zn-bv°p∂

hmbv] kuIcyw Xmsg ]d-bp∂ hyh-ÿ-Iƒ°v hnt[-b-am-Wv.

Pma

y-°m-c

≥I

S-°

m-c≥

Page 8: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 8 -

1.0 \n¿∆-N-\-߃

1) H∂mw ]´n-I, c≠mw ]´nI F∂Xv A¿∞-am-°p-∂Xv Icm-dnse H∂mw ]´n-Ibpw c≠mw

]´n-I-bp-am-Wv.

2) hmbv] F∂ ]Zw sIm≠p-t±-in-°p-∂Xv Icm-dnse JWvUnI 2.1 epw H∂mw ]´n-I-bnepw

]cm-a¿in-°-s∏- n-cn-°p∂ AtX A¿∞w Xs∂-bm-Wv.

3) Xncn-®-Shv F∂ ]Zw sIm≠¿∞-am-°p-∂Xv Icm-dnse hyh-ÿ-Iƒ°v hnt[-b-ambn

hmbv]-sIm-Sp-°p-∂-bmƒ°v sImSp-t°-≠-Xmb XpI, apX¬, ]en-i, ]oan-bw, ^okv,

a‰p Nq¿÷p-Iƒ F∂n-ß-s\-bmWv ]tXy-In®pw Icm-dnse JWvUnI 2.9 ]Xn-]m-Zn-®n-

cn-°p∂p

4) ap≥Iq¿ Xncn-®-Shv F∂ ]Zw sIm≠¿∞-am-°p-∂Xv Icm-dn¬ ]d-™n-cn-°p∂ hyh-

ÿ-Iƒ°v hnt[-b-ambn Xncn-®-Shv Imem-h-[n°v apºmbn \S-Øp∂ ]W-a-S-hv.

5) hkvXp/kzØv F∂m¬ hmbv] hmßp-∂-bmƒ hmbv] sImSp-°p-∂-bmƒ°v CuSmbn

\¬Ip∂ hkvXp F∂pw, hmbv] D]-tbm-Kn®v hmßp-hm-\p-t±-in-°p∂ hml\w As√-

¶n¬ b¥-kw-hn-[m\w F∂-a¿∞-am-t°-≠-Xm-Ip-∂p.

6) \nc°pw ]en-ibpw F∂m¬ Icm-dns‚ JWvUnI 2.2 ¬ ]cm-a¿jn-°-s∏- n-cn-°p∂ ]eni

\nc°v F∂m-W¿∞-am-°p-∂Xv

7) XhW F∂ ]Zw sIm≠¿∞-am-°p-∂Xv c≠mw ]´n-I-bn¬ kqNn-∏n-®n-cn-°p∂p amk-K-

Up-°-fmbn hmbv]m Imem-h-[n-°p-≈n¬ ]eni klnXw hmbv]m C\-Øn-te°v Xncn-®-

S-bvt°≠ XpI F∂m-Ip-∂p.

8) ]n.-Un.kn F∂ ]Zw sIm≠¿∞-am-°p-∂Xv hmbv] hmßp-∂-bmƒ KUp-°-fmbn Xncn-®-

S-t°≠ XpI, ]W-sam-Sp-°p-hm-\p≈ XoøXn Ipdn®p sIm≠p≈ sN°v apJm-¥ncw

hmbv]m sImSp-°p-∂-bm-fn\v \¬Ip∂ kwhn-[m\w

9) hmbv] hmßp-∂-bmƒ F∂¿∞w hcp∂ kµ¿ -ß-fn¬ hmbv] hmßp∂p h¿ F∂

]Zhpw D]-tbm-Kn-°m-hp-∂-XmWv

Pmay-°m-c≥ F∂¿∞w hcp∂ kµ¿ -ß-fn¬ Pmay-°m¿ F∂ ]Zhpw D]-tbm-Kn-°m-

hp-∂-Xm-Wv.

1.2 ChnsS IrXy-ambn \n¿∆-ln-®n- n-√mØ ]Z-ßfpw hnti-j-ßfpw 1897 se P\-d¬ t¢mkkv

BIvSn¬ hymJym-\n-®n-cn-°p∂ ]Z-ßfpw hnti-j-ßfpw ]Imcw ]cn-K-Wn-°m-hp-∂-Xm-

Wv.

1.3 GI hN-\-Øn¬ D]-tbm-Kn-®n-cn-°p∂ F√m ]Z-ßfpw kml-Ncyw as‰mcp hn[-Øn¬

Bh-iy-s∏-Sm-Ø-]£w _lp-h-N-\-am-bpw, enwK-hy-Xymkw ImWn-°m-sXbpw ]cn-K-Wn-

°-s∏-tS-≠-Xm-Wv.

2.0 hmbv], ]eni apX-em-bh

2.1 hmbv]bpw hmbv]m Imem-h-[nbpw

F) hkvXp hmßp-∂-Xn-\p-th≠n H∂mw ]´n-I-bn¬ ]kvXm-hn®X\p-k-cn®v Hcp XpI Icm¿

hyh-ÿ-Iƒ°-\p-kr-X-ambn hmbv] sImSp-°p-∂-bmƒ hmbv] hmßp-∂-bmƒ°v \¬Im-

sa∂v kΩ-Xn-®n-cn-°p-∂p.

Page 9: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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_n) Cu Icm¿ A\p-k-cn®v k÷-am-°nb hmbv]-bpsS Imem-h[n H∂m-asØ ]´n-I-bn¬

kqNn-∏n- p≠v. Cu Imem-h[n Bcw- n-°p∂ XoøXn c≠mw ]´n-I-bn¬ hni-Z-am-°n-bn- p-

≠v.

2.2 ]eni

hmbv]-bpsS ]eni \nc°v Icm¿ Xøm-dm-°p∂ Znhkw apX¬ H∂mw ]´n-I-bn¬ hni-

Z-am-°n-bXp ]Im-c-am-bn-cn°pw IW-°m-°p-∂-Xv. IqSmsX amkm-h-km\w _m°n

\n¬°p∂ hmbv]m XpIbpw AXns‚ ]en-ibpw Xncn-®-S-bv°mØ ]en-i-bpw, Bb-Xn-

t∑-ep≈ Iq´p-]-cn-i-bpw, ]ng, a‰v Nm¿÷p-Iƒ, sNehv F∂nh Dƒs∏-Sp-∂p.

2.3 ]eni IW-°m-°p∂ coXn

F) H∂mw ]´n-I-bn¬ hni-Z-am-°n-bn-cn-°p∂ ]eni \nc°v hmbv]m Imem-h-[n-bn-ep-S-\ofw

dnk¿∆v _m¶v As√-¶n¬ a‰p dKp-te-‰dn AtXm-dn-‰okv aptJ\ \n¿_-‘n-°-s∏- n-√m-

sb-¶n¬, kmº-ØnI taJ-e-bn¬ XnI®pw A]-Xo-£n-X-amb hyXn-bm-\-߃ D≠m-bn-

√-sb-¶n¬, ap≥Iq´n \n›-bn-°-s∏´ Hcp XpI-bm-bn-cn-°pw. F∂m¬ ta¬∏-d™ kml-

N-cy-߃ kw -hn-°m-\n-S-bp-≠m-bm¬ H∂mw ]´n-I-bn¬ sImSp-Øn-cn-°p∂ hni-Zmw-i-

߃°v hn]-co-X-ambn ]pXp-°nb ]eni \nc-°n¬ hmbv]m-XpI Xncn-®-S-°p-hm≥ hmbv]

hmßp-∂-bmƒ _m[y-ÿ-\m-bn-cn-°pw.

_n) tIµ/kwÿm\ k¿°m-cn-tebv°v hmbv] sImSp-°p-∂-bmƒ, ]en-ibv°p ta¬ \nIpXn

AS-bvt°≠n hcp∂ kml-N-cy-Øn¬ hmbv]-sb-SpØ hy‡n ]kvXpX XpI hmbv]

sImSp-Ø-bmƒ°v Abmƒ Bh-iy-s∏-Sp∂ ]£w \¬tI≠XmWv.

2.4 hmbv] hnX-c-W-Øns‚ hni-Zmw-i-߃

hmbv] XpI GXv coXn-bn¬ hnX-cWw sNøp-sa∂v hmbv] hmßp-∂-bmfv°v hmbv]

sImSp-°p-∂-bm-tfmSv kqNn-∏n-°m-hp-∂-Xm-Wv. F∂n-cp-∂mepw hmbv] XpI GXp coXn-

bn¬ sImSp-°-W-sa∂v Xocp-am-\n-°m-\p≈ ]q¿Æ hnth-N\w hmbv] sImSp-°p-∂-

bmƒ°v D≠m-bn-cn-°p-∂Xv AtX coXn-bm-bn-cn°pw hmbv]m XpI sImSp-°p-∂-Xn-\mbn

Icm-dn¬ hn`m-h\w sNø-s∏- n-cn-°p-∂-Xpw- -]p-Xnb hkvXp hmßp-∂-Xp-ambn _‘-s∏´

hmbv]-bm-sW-¶n¬ AXn-\m-bp≈ XpI hmßm≥ Dt±-in-°p∂ hkvXp-hns‚ Uoe¿/

Dev]m-Z-I¿°v t\cn´v hnX-cWw sNøm-\p≈ A[n-Imcw hmbv] sImSp-°p-∂-bm-fn¬

\n£n-]vX-am-Wv. AtX coXn-bm-bn-cn°pw hmbv] XpI sImSp-°p-∂-Xn-\mbn Icm-dn¬

hn`m-h\w sNø-s∏- n-cn-°p-∂-Xv. ]gb hkvXp hmßp-∂-Xp-ambn _‘-s∏´ hmbv]-bm-

sW-¶n¬ hkvXp-hns‚ DS-a-ÿ≥/hn¬∏\ \S-Øp-∂-bmƒ As√-¶n¬ Uoe¿ As√-

¶n¬ hmbv] hmßp-∂-bmƒ°p Xs∂ t\cn´v hmbv] XpI \¬Ip-hm-\p≈ A[n-Imcw

hmbv] sImSp-°p∂bmfn¬ \n£n-]vX-am-Wv Bco-Xn-bm-bn-cn°pw Imcm-dnepw hn`m-h\w

sNø-s∏-Sp-∂-Xv.

2.5 hmbv]m hnX-cWw GXp hn[-Øn¬

Icm-dnse hyh-ÿ-Iƒ°-\p-kr-X-ambn hmbv]m XpI sImSp-°p-tºmƒ DNn-X-amb coXn-

bn¬ tImkv sNbvX sN°v, As°m≠v t]bo Hm¨en F∂v tcJ-s∏-Sp-Ønb sN°v,

Um^v‰v As√-¶n¬ C¥y-bnse _m¶nßv kwhn-[m-\-߃°v A\p-h-Z-\o-b-amb at‰-

sX-¶nepw coXn-bntem hmbv]m XpI sImSp-°p-∂-Xn-\p≈ ]q¿Æ hnth-N\w hmbv]

sImSp-°p-∂-bmƒ°v D≠m-bn-cn-°p-∂-Xm-Wv. ]kvXpX \S-]-Sn-I-fn-t∑-ep-≠m-tb-°m-hp∂

If-£≥ Nm¿÷v As√-¶n¬ a‰p Nm¿÷p-Iƒ F∂nh hmbv] hmßp-∂-bmƒ hln-

Page 10: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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t°-≠-Xm-Wv. sN°v, Um^v‰v apX-em-bh _m¶n¬ ka¿∏n®v ]Ww hmßphms\-Sp-

°p∂ ka-bw....

2.6 hmbv]m hnX-c-W-hp-ambn _‘-s∏´ a‰v hyh-ÿ-Iƒ

hmbv] A\p-h-Zn® XpI ]q¿Æ-ambn \¬In-bn- n-s√-¶n¬ A\p-h-Zn® hmbv] d±m°nbn´n-

s√-¶n¬ Icm-dnse hyh-ÿ-Iƒ°v hncp-≤-am-b-√msX hmbv] hmßp-∂-bmƒ°v t\m´okv

\¬Ins°m≠v XpS¿∂p-ff hmbv]m hnX-cWw hmbv] sImSp-°p-∂-bmƒ°v d±m-°m-hp-

∂-Xm-Wv.

2.7 IW-°p-hn-h-c-߃

F√m h¿jhpw am¿®v amkw 31˛mw Xoø-Xn-°p-ap-ºmbn hmbv]m Xncn-®-S-hn-tebv°v am¿®v

31 hsc \¬Ip-hm≥ _m°n \n¬°p∂ XpIbpw AXn-t∑-ep≈ ]ep-ibpw a‰pw ImWn®p

sIm≠p≈ IW°p hnh-c-߃ hmbv] sImSp-°-∂-bmƒ hmßp-∂-bmƒ°v \¬tI-≠-

Xm-Wv. IW°v hnh-c-߃ In´n-bn-s√∂ hnhcw As√-¶n¬ AXn-ep≈ as‰-s¥-¶nepw

sshcp-≤y-߃ hmbv] hmßp-∂-bmƒ IW°p hnh-c-߃ Ab®v 15 Znh-k-

߃°p≈n¬ X]m-en¬ kmjy-s∏-SpØn hmbv] sImSp-°p-∂-bmsf Adn-bn-°m-Ø-]-

£w, ]kvXpX IW°p hnh-c-߃ AwKo-I-cn-®-Xmbn IW-°m-°-s∏-Spw.

2.8 \S-]Sn Ia-߃°m-bp≈ Nm¿÷p-Iƒ

hmbv]-bv°mbn At]-£n-°p-∂-tXm-sSm∏w Xs∂, H∂mw ]´n-I-bn¬ ]kvXm-hn-®n-cn-°p∂

\S-]-Sn-I-a-߃°m-bp≈ Nm¿÷p-Iƒ hmbv] hmßp-∂-bmƒ sImSp-°p-∂-bmƒ°v

\¬tI-≠-Xm-Wv. ta¬∏-d™ Nm¿÷p-Iƒ hmbv] hmßp-∂-bmƒ°v XncnsI e`n-°-

W-sa-¶n¬ hmbv] Bh-iy-an-s√∂v CXv A\p-h-Zn-°p-∂-Xn\p apºmbn hmbv] sImSp-

°p-∂-bmsf Adn-bn-°-Ww.

2.9 hmbv] XpI Xncn-®-Shv

F) hmbv]m XpIbpw AXns‚ ]en-ibpw Xh-W-I-fmbn hmbv] hmßp-∂-bmƒ Xncn-®-S-t°-

≠-Xm-Wv. Icm-dns‚ c≠mw ]´n-I-bn¬ Xh-W-I-fpsS FÆw, AS-bvt°≠ Xoø-Xn, XpI

F∂nh hni-Z-ambn°nbn- p-≠v. Xncn-®-Shv kw_-‘n® ]´nI hnh-c-߃ A\p-k-cn®v

a‰p hyh-ÿ-Iƒ°v tIm´w X´m-Ø-hn-[-Øn¬ hmbv]m XpIbpw AXns‚ ]en-ibpw

IrXy-amb Xh-W-Iƒ°p≈n¬ ]eni klnXw AS-bvt°-≠-Xm-Wv. hmbv] Xncn-®-S-hp-

ambn _‘-s∏´ IW°p hnh-c-ß-fn¬ sX‰p kw -hn-®m¬ hmbv] sImSp-°p-∂-bmƒ°v

AXv ho≠pw IW-°m-°m-hp-∂-Xm-Wv. hmbv] XpI c≠mw ]´nI A\p-k-cn-®p≈ Xh-

W-I-fmbn AS-bvt°-≠-Xm-Wv.

_n) hmbv] sImSp-°p-∂-bm-fpw, hmßp-∂-bmfpw kab ]cn-[nbv°v Icm-dn¬ ]m[m-\y-ap-

s≠∂v kΩ-Xn-®n-cn-°p-∂p.

kn) hmßp-hm-\p-t±-in-°p∂ hkvXp Uoe-dp-sStbm \n¿Ωm-Xm-°-fp-sStbm `mKØp \n∂pw

e`y-am-ImØ kml-N-cy-ß-tfm, a‰p _p≤n-ap- p-I-tfm, X¿°-ß-tfm, FXn-c- n-]m-b-ß-

tfm, ]Xn-tj-[-ß-tfm, ]cm-Xn-Itfm As√-¶n¬ e`yamb hkvXp-hn-t∑¬ hkvXp-h-

ambn _‘-s∏´ amX-ap-≠m-tb-°m-hp∂ ]iv\-ß-sftbm hmbv]m XpI Xncn-®-S-hp-ambn

_‘-s∏-Sp-Øp-∂-Xm-bn-cn-°n-√.

Un) Xh-W-Iƒ IrXy-ambn AS-°p-hm-\p-ff DØ-c-hm-Zn-Xz-Øn-tebv°v hmbv] hmßp-∂-bm-

fpsS i≤-£-Wn®p sIm≠p≈ bmsXm-cp-hn[ t\m´o-kp-I-tfm, Hm¿Ω-s∏-Sp-Ø-ep-Itfm

Page 11: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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hmbv]- sImSp°p∂-h-cpsS `mKØp \n∂pw D≠m-bn-cn-°p-∂-X-√. ]Xnhp sX‰m-sXbpw

IrXy-ambpw hmbv] Xncn-®-S-bv°p-hm-\p-≈ DØ-c-hm-ZnXzw ]q¿Æ-ambpw hmbv] hmßp-

∂-bm-fp-tS-Xm-bn-cn-°pw.

C) Icm¿ hyh-ÿ-b-\p-k-cn®v hmbv] sImSp-°p-∂-bm-fpsS Ah-Im-i-߃°v tIm´w X´m-

sX, Cu Icm¿]-Im-ctam \ne-hn-ep-ff \nb-a-߃°-\p-kr-X-amtbm As√-¶n¬ GsX-

¶nepw Imc-W-h-im¬ Ime-Xm-akw hcp∂ ]£tam hmbv]-sb-Sp-Ø-bm-fpsS `mKØp

\n∂pw Xncn-®-S-hn¬ hogvN D≠m-bm¬ hmbv] sImSp-Ø-bmƒ°v H∂mw ]´nI ]Imcw

Iq´p ]en-i-bn¬ Nm¿÷v CuSm-°mhp-∂-Xm-Wv. hmbv]m Xncn-®-S-hn¬ hogvN hcp∂

]£w hmbv] sImSp-Ø-bmƒ°v Icm¿ JWvUnI 23 ]Imcw B¿_n-tS-‰¿ apºmsI

X¿°w D∂-bn-°m-hp-∂-Xm-Wv.

F^v) hmbv]m Xncn-®-S-bvt°≠ XpIsb kw_-‘n-t®m, ]eni IW-°m-°p∂ coXnsb kw_-

‘nt®m Fs¥-¶nepw X¿°w D≠m-bn- p-s≠-¶n¬ AXv Xh-W-Iƒ AS-bv°p-∂-Xns\

_m[n-°p-∂-X-√.

2.10 Xh-W-Iƒ AS-bvt°≠ coXn

F) hmbv]m Xncn-®-Shv t]mÃv tU‰¿ sN°v(-]n.-Un.-kn) aptJ-\-tbm, Um^v‰v, Iymjv As√-

¶n¬ C¥y-bn¬ _m¶nßv kº-Zmbw A\p-h-Zn-®n- p≈ at‰-sXmcp coXn-bn-eq-sS-bpw,

Icm-dnse c≠mw ]´n-I-bn¬ hni-Z-am-°n-bXp ]Im-c-ap≈ Xoø-Xn-I-fn¬ AXn¬ ]kvXm-

hn® coXn-bn¬ hkvXp-hns‚ e`yX IW-°m-°msX Xs∂ \S-Øm-hp-∂-Xm-Wv.

_n) bmsXmcp hn[ t\m´o-tkm, a‰p kqN-\-Itfm hmbv] hmßp-∂-bmƒ \¬Inb t]mÃv

tU‰Uv sN°v, C≥jz-d≥kv ]oanbw sN°v F∂nh ka¿∏n-°p∂Xn\v apºmbn hmbv]

sImSp-°p-∂-bmƒ \¬Im≥ ]mSn-√m-Ø-Xm-Wv.

kn) Imcm¿ JWvUnI 2.10 (F) ]Imcw hmbv] hmßnb Bƒ \¬Inb GsX-¶nepw As√-

¶n¬ H∂mw AXn-e-[n-Itam ]n.-Un.kn (t]mÃv tU‰Uv sN°v)

1) hmbv] sImSp-Ø-bm-fpsS ]°¬ \n∂pw \jvS-s∏-Sp-I-tbm, \in-°p-Itbm ÿm\-`iw

kw -hn-°p-Itbm sNbvXm¬ As√-¶n¬

2) ac-Ww, ]m∏-c-Øw, at\m-hn-`m-¥n, H∏p sh°m\pw a‰p-ap≈ A[n-Imcw \jvS-s∏- m¬,

Iºn-\n-t]m-ep≈ ÿm]-\-ß-fpsS ]h¿Ø\w \ne-bv°¬, a‰p \nb-a-]-c-amb XS--M-

Mƒ F∂n-ß-s\-bp≈ Imc-W-ß-fm¬ sN°v Iymjv B°p-hm≥ km[n-°msX h∂m¬

hmbv] sImSp-Ø-bmƒ hmbv] hmßn-b-bmsf ]kvXpX hnh-c-lvMƒ Adn-bn-°p-Ibpw,

XpS¿∂v hmbv] hmßnb hy‡n, Icm¿ JWvUnI 2.10 (kn)(2) bn¬ ]kvXm-hn® Imc-

W-ß-fm¬ \jvS-amb sN°n\p ]Icw ]pXnb sN°v \¬Ip-Itbm hmbv] XpI Xncn-®-

S-hn-\p≈ a‰p \S-]-Sn-I¬ hmbv] sImSp-°p∂ hy‡n°v A\p-h-Z-\o-bhpw kzoIm-cy-

hp-amb coXn-bn¬ sNtø-≠-Xp-am-Wv.

Un) hmbv] sImSp-Ø-bmƒ CXn-\m¬ kΩ-Xn-bv°p-∂-Xmav GsX-¶nepw Imc-W-h-im¬ sN°p-

I¬ hmbv] sImSp-Ø-bm-fns‚ ]ng-hp-aqew X° ka-bØv lmP-cm-°m-Xn-cp-∂m¬ BbXv

bmsXmcp hnt[-\bpw hmbv] FSp-Ø-bm-fns‚ _m≤y-Xsb bmsXmcp hn[-Ønepw

tem¨ Xncn-®-S-hn¬ XS--s]-Sp-Øp-I-bn-s√-∂pw. hmbv] FSp-Ø-bmƒ bmsXmcp Imc-

W-h-imepw Ime-Xm-a-kw, hogvN As√-¶n¬ sN°p-am-dp-∂-Xnse i≤-bn-√m-bva, \jvSw,

As√-¶n¬ a‰p \jvS-s∏- p-t]m-I¬ Chbv°v DØ-c-hm-Zn-bm-bn-cn-°p-∂-X-√m-sb∂v Cu

Icm-dnse hyh-ÿ-Iƒ°v Dt]m¬_-e-I-am-bn-cnbv°pw F∂pw kΩ-Xn-bv°p-∂p.

Page 12: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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C) Cu Icm-dnse hyh-ÿ-Iƒ°v am‰w hcmsX Xs∂ hmbv] sImSp-Ø-bmƒ°v Cu Icm¿

]Imcw As√-¶n¬ \ne-hn-ep-ff a‰p \nb-a-߃ ]Imcw \S-]-Sn-Iƒ FSp-°p-hm≥ Ah-

Imiw D≠m-bn-cn-bv°p-∂-Xm-Wv. hmbv] FSp-Ø-bmƒ H∂mw ]´n-I-bn¬ ]d-™n-cn-bv°p∂

]Im-c-ap≈ XpI IW-°m°n GsX-¶nepw coXn-bn¬ ]n.-Un.kn sN°p-Iƒ ]W-an√msX

BZysØ XhW XncnsI h∂m¬ Xs∂ HSp-t°-≠-Xm-Wv. GsX-¶nepw Imc-W-h-im¬

c≠m-asØ Xh-Wbpw sN°p-Iƒ C]-Imcw ]W-an-√msX aS-ßn-bm¬ Aßns\ hcp∂

]£w H∂mw ]´n-I-bn¬ ]d-bp∂ IqX-emb XpI HSp-t°-≠Xpw BWv. BbXv Aßns\

aS-ßnb ]n.-Un.kn Ifn¬ ta¬ IW-°m-°p-∂-Xm-Wv. sN°p-I¬ aS-ßn-bm¬ hcm-hp∂

samØw XpI H∂mw ]´n-I-bn¬ ]Xn-]m-Zn-®n-cn-°p-∂-Xn≥ ]Im-amWv sN°p aS-ßnb

IqSn-»n-I-bn¬t∑ep≈ \nc-°p-Iƒ hmbv] sImSp-Ø-bm-fns‚ a‰p Ah-Im-i-߃ l\n-

bv°msX s\tKm-jy-_n¬ C≥kvSp-sa‚ vkv BIvSv ]Im-c-ap≈ \S-]-Sn-Iƒ apJm-¥ncw

Bbn-cn-bv°pw. As√-¶n¬ BbXv hmbv] sImSp-Ø-bm-fn\v a‰p \nb-a-߃ ]Imcw

kn≤n-®n- p≈ Ah-Im-i-߃ ]Im-chpw \S-∏n-em-°m-hp-∂-Xm-Wv.

F^v) Cu Icm-dns‚ H∂mw ]´n-I-bn¬ ]d-™n-cn-bv°p∂ Nm¿÷p-Iƒ F√mw Xs∂ ]Ww

sImSp-Ø-bm-fns‚ ]cn-]q¿Æ Ah-Im-i-Øn-ep≈ am\-߃°pw t`Z-K-Xn-Iƒ°pw a\p-

kr-X-am-bn-cn-°pw.

2.11 XhW hyh-ÿ-I-fnse t`Z-K-Xnbpw ]p\¿kw-hn-[m\w sNøepw

hmbv] sImSpØ Bƒ°v kIe Ah-Im-i-hpw, hmbv] sImSpØ Bƒ°v DNn-X-sa∂p

tXm∂p∂ kml-N-cy-ß-fn¬ XhW hyh-ÿ-I-fn¬ am‰w hcp-Ømt\m ]p\¿kw-hn-

[m\w sNøp-hmt\m GsX-¶nepw Xc-Ønepw hmbv] sImSpØ B¬ hn`m-h\w sNøp-

∂, At±-l-Øns‚ amX-amb Xocp-am\w FSp-°p-hm\pw Bb-Xns‚ ASn-ÿm-\-Øn¬

hmbv] FSpØ Bƒ Xncn-®-Shv \S-tØ-≠Xpw c≠mw JWvUnI ]d-bp-∂-Xn\p tIm´w-

h-cmØ \ne-bnepw \S-tØ-≠-XmWv hmbv] sImSpØ Bƒ Cu kwKXn tcJm-aqew

hmbv] FSpØ Bsf Adn-bn-t°-≠-Xm-Wv.

2.12 hmbv] FSpØ Bfn-s‚bpw Pmay-°m-c-s‚bpw _m≤yX H‰-bv°mbpw Iq´mbpw Bbn-

´p-≈-XmWv

Pmay-°m-cs‚ _m≤yX hmbv] FSp-Ø-bm-fn-s‚-Xn\p Xpey-ambpw H‰-bv°mbpw Iq´mbpw

D≈-Xm-Wv. hmbv] XpIbpw ]en-ibpw Xncn-®-S-bv°p-∂-Xn-\p≈ Pmay-°m-cs‚ _m≤yX

Cu Imcm-dnse hyh-ÿ-Ifpw \n_-‘-\-Ifpw As√-¶n¬ at‰-sX-¶nepw Icmtdm tcJ-

Iƒ hmbv] FSpØ Bfpw hmbv] FSp-Ø-bmfpw XΩn-ep-≈-Xn¬ D≠m-Im-hp-∂tXm

D≠m-bn- p-≈tXm Cu hmbv] Xncn-®-S-hns\ kw_-‘nt®m As√-¶n¬ a‰p hmbv]-Itfm

H∂mtbm Iq´mtbm D≈Xpw BbXv hmbv] FSpØ Bfn\v \nba \S-]-Sn-Iƒ Ccp

Iq´¿s°-Xn-scbpw kzoI-cn-bv°p-∂-Xn\pw As√-¶n¬ Bcn¬ \ns∂-¶nepw XpIbpw a‰p

Nm¿÷p-Ifpw CuSm-°p-hm\pw Ah-Im-i-ap-≈-Xp-am-Wv.

3.0 Pmayw

3.1 hmbv] sImSp-°p∂ Bfp-ambn D≠m-Ip∂ [mc-W-bn¬ A\p-h-Zn-®-Xmb As√-¶n¬

A\p-h-Zn-bv°m-sa∂p kΩ-Xn-®-Xmb hmbv] klmbw Cu Icm-dnse CtXm-sSm-∂n-®p≈

hyh-ÿ-Iƒ°pw \n_-‘-\-Iƒ°pw hnt[-b-am-bn- p-≈-Xm-Wv. hmbv] FSpØ Bƒ

hmbv] hkvXp ]W-b-s∏-SpØn As√-¶n¬ ]W-b-s∏-Sp-Øm-sa∂v hyh-ÿ-sNbvXv hmbv]

sImSpØ Bfns‚ t]¿°v `mc-ta¬∏n-°p-∂-Xp-amWv. BbXv ]cn-]q¿Æ-amb ]Ya

A[n-Imcw hmbv] hkvXp-hnepw F√m A\p-_‘ kma-Kn-Ifpw Iq´n tN¿tØm Bb-

Page 13: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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Xn-ep≈ IqSp-X-emb hkvXp-°ƒ Dƒs°m-≈n®p sImt≠m Ct∏m-gp-≈-Xm-btXm `mhn-

bn¬ D≠m-Im-hp∂ Iq´n-t®¿°-ep-Iƒ Dƒs∏-Sp-Øn-tbm, ]pXp-°-ep-Ifpw am‰n hbv°-

ep-Ifpw \S-Øn-tbm, hmbv] hkvXp-hn¬ \S-Øm-\p-≈tXm BbXpw H∂mw JWvUn-I-

bn¬ hni-Z-ambn ]Xn-]m-Zn-®n- p≈Xmb-Xn-\mbn amXw hmbv] kuIcyw D]-tbm-Kn-s∏-

Sp-Øp-Ibp≈p F∂pw. Cu hkvXp-Xbv°v hmbv] FSpØ Bƒ d±p sNøp-hm-\m-ImØ

A[n-Imc ]Xw hmbv] sImSp-°p∂ BfpsS t]cn¬ Xøm-dm°n CtXm-sSm-∂n®p lmP-

cm-t°-≠-Xm-Wv. CXn\p ]pdsa hmbv] FSp-Ø-bmƒ kΩ-Xn-bv°p-Ibpw hyhÿ sNøp-

Ibpw sNøp-∂-XmWv Bb-Xn\v Bh-iy-ambn hcp∂ tcJ-I-tfm, ]am-W-ßtfm Bh-

iy-ambn hcp∂ ]£w BbXv hmbv] sImSp-°p∂ Bfns‚ t]¿°v hmbv] hkvXp-

hn¬ ta¬ sImSpØp sIm≈m-sa∂pw CXn-\m¬ kΩ-Xn-bv°-∂-Xp-am-Wv.

3.2 Cu ]Wwb Cu Icm¿ H∏p hbv°p∂ XoøXn apXtem As√-¶n¬ ]W-b-hkvXp

ssIhiw In´p-∂tXm Bb Xoø-Xn-bn¬ GXmtWm BZyw hcp-∂Xv B XoøXn apX¬

]m_-ey-Øn¬ hcp-∂-Xpw.

3.3 JWvUnI 3.1 ¬ ]d-b-s∏-Sp∂ hmbv] FSp-°p∂ Bƒ D≠m-°p∂ ]Wbw Xncn-®-S-

t°-≠-Xmb XpIbv°v Pmay-ambn IW-°m-°-s∏-Sp-∂Xpw a‰p hcm-hp∂ Nne-hp-Iƒ°pw

]en-ibv°pw Nne-hn\pw CtXm-S-\p-_-‘n-®p-≠m-Ip-∂-Xpw. D≠m-Im-hp-∂Xpw Bb F√m

XpIbpw As√-¶n¬ AS-bvt°-≠-Xmb XpIbpw hmbv] FSpØbmƒ Cu Icm-dn-\-\p-

_-‘-ambn sNtø-≠-Xpw.

3.4 hmbv] FSp-°p∂ Bƒ \¬Ip∂ ]Wbw hmbv] sImSpØ Bƒ hmbv]-bn¬ \n∂pw

hnSp-X¬ \¬In-b-Xm-bn-´p≈ tcJ-Iƒ \¬Ip-∂-Xp-h-scbpw BbXv bmsXmcp hn[-

Ønepw _m[n-°p-Itbm hmbv] FSpØ Bfns‚ \n¿≤-\-Xy-tam, hmbv] ÿm]-\-ß-

fp-am-bn- p≈ HØp tNctem, am\-ko-Ihpw imco-cn-I-hp-amb sshI-ey-tam, Iº-\n-bpsS

\n¿Ø-em-°tem (kz-b-amtbm A√m-sX-tbm) As√-¶n¬ IqSn-t®-ctem HØp tNc-ep-I-

tfm, ]p\-kw-L-Sn-∏n-°p-I-tbm, A[n-Imcw ]nSn-s®-Sp-°-tem, C√m-Xm-°-tem, kztZin

h¬°-c-Wtam (A-ßn-s\-bp-s≠-¶n¬) hmbv] FSp-°p∂ Bfn-s‚-Xmbn D≠m-hp-I-bm-

sW-¶n¬

3.5 hmbv] hkvXp GsX-¶nepw Imc-W-Øm¬ ssIhiw sImSp-°m-Xn-cn-°p-Itbm As√-

¶n¬ hmbv] hml-\-ambncn°p∂ Ah-k-c-Øn¬ BbXv hmbv] FSp-°p∂ Bfns‚

t]cn¬ Cu Imcm¿ \S-∏n-em-°p∂ ka-bØv cPn-ÿ sNøm-Xn-cn-°p-I-tbm, hmbv]

hkvXp-hns‚ hni-Zm-i-߃ sImSp-°m-Xn-cn-°p-Itbm As√-¶n¬ B hml\w cPn-ÿ

sNøm-Xn-cn-°p-Itbm sNøp∂ kml-N-cy-Øn¬ B hnhcw hmbv] FSpØ Bƒ tcJm-

aqew hmbv] FSpØ Bsf ssIhiw In´n-b-Xnt\m hni-Zmw-i-߃ cPn-ÿ sNbvX-

Xnt\m Hcm-gvN-bv°Iw Adn-bn-t°-≠Xpw BbXv CXns\ JWvUnIIfpsS `mK-am-bn-cn-

°p-Ibpw sNøp-∂-Xm-Wv. GsX-¶nepw Imc-W-Øm¬ BbXv Icm¿ G¿s∏-Sp∂ ka-

bØv tN¿°p-hm≥ hn´p t]mbn- p-s≠-¶n¬t∏mepw

3.6 hmbv] FSpØ Bƒ hml-\tam/hkvXpthm A[n-Im-c-s∏´ ÿm\-ß-fn¬ \nbaw A\p-

im-kn-°p∂ Ime-]-cn-[n-°p-≈n¬ cPn-ÿ sNbvXv Bb-Xns‚ C≥jp-d≥kv, cPn-kvtS-

j≥ tcJ-Iƒ FXbpw s]s´∂v lmP-cm-t°-≠-Xm-Wv.

3.7 hmbv] FSp-Ø-bmƒ hmbv] hkvXp-hns‚ hni-Zmw-i-߃ Xo¿®-s∏-SpØn a\-n-em-

°n-bn- p-≠v.

3.8 hmbv] FSpØ Bƒ hmbv] hkvXp-hns‚ Pmay-Øn-te°pw ]enibnte-°p-ambn Hcp

Page 14: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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t]man-k-dn-t\m´v Xøm-dm°n Pmay-ambn \¬In-bn- p-≈-Xm-Wv.

3.9 hmbv] sImSp-°p∂ Bƒ hmbv] sImSpØ Bfn-t\mSv CXn\p ]pd-sa-bmbn GsX-

¶nepw Pmayw Bh-iy-s∏-Sp-I-bm-sW-¶n¬ BbXv DNn-X-ambn hmbv] sImSp-Ø-bmƒ°v

tXm∂p-∂-]£w AXv hmbv] sImSpØ Bfns‚ ]cn-]q¿Æ A[n-Im-c-Øn¬ Bbn- p-

≈-Xm-Wv. Aßns\ GsX-¶nepw kml-Ncyw D≠m-Ip∂ ]£w hmbv] FSpØ Bƒ

AØ-c-Øn-ep≈ IqSp-X-emb Pmayw lmP-cm°n BbXn Icm-dp-≠m-°n-tbm, t_m≤y-

s∏-Sp-Øn-tbm, tcJ-Iƒ, A[n-Im-c-]Xw apX-em-b-h, hmbv] sImSpØ Bfns‚ \n¿t±-

i-]-Imcw sNtø-≠-Xm-Wv. hmbv] FSp-Ø-bm¬ bmsXmcp Imc-W-h-imepw Cu Icm-

tdm, t_m≤y-s∏-Sp-Ø-tem, tcJ-I-tfm, A[n-Imc ]Xtam Cu Icm¿ ]Imcw Xncn-®-S-

t°-≠-Xmb _m≤yX apgp-h≥ Xo¿°p-∂-Xp-hsc ]n≥h-en-bv°p-∂-X-√m-sb∂pw As√-

¶n¬ apgp-h≥ XpIbpw AS®p Xo¿Ø-Xmbn hmbv] sImSp-Ø-bmƒ tcJm-aqew kΩ-

Xn®p sIm≈p-∂-Xp-h-scbpw ]n≥h-en-bv°p-hm≥ ]mSn-√m-Ø-Xp-am-Wv.

4.0 Xncn-®-S-hns‚ hn\n-tbmKw

4.1 hmbv] sImSpØ Bfn\v Cu hmbv] Icm-dnse hyh-ÿ-I¬ apJm-¥n-c-ambn F√m-hn[

Xncn-®-S-hp-Ifpw AS-bv°m-\p≈Xpamb hmbv] XpI Bh-iy-amb coXn-bn¬ hn\n-tbm-

Kn-°m-\p≈ kzmX¥yw DNn-X-am-sW∂p tXm∂p∂ ]£w D≠m-bn-cn-°p-∂Xpw Aßns\

hn\n-tbm-Kn-°m-hp∂ XpI-Iƒ

1) AS® C≥jp-d≥ XpI

2) ]ng, Nm¿÷v, Nne-hp-Iƒ XpS-ßn-bXpw a‰p Nne-hp-Ifpw

3) ]ng, Nm¿÷v, Nne-hp-Iƒ, a‰p Nne-hp-Iƒ apX-em-b-h-bn¬ D≠m-Im-hp∂ ]en-i-Iƒ

4) k¿∆okv Nm¿÷p-Iƒ

5) Icm¿ ]Imcw IqSp-X-embn AS-t°≠n hcp∂ ]en-i-bv°p-ta¬ AS-bvt°-≠p∂

]eni

6) hmbv] XpI IpSn-»nIbv°pta¬ AS-bv°p∂ XhWIfpsS Xncn-®-S-hp-Iƒ

7) \nb-a-]-c-amb \S-]-Sn-Iƒ°p-ta-ep≈ Nne-hp-Ifpw ]ng-Ifpw

5.0 hmbv] hkvXp-hn≥taep≈ aqey-Øn≥ ta¬ Pmay-°m-c\p (¿°p-≈) CuSv/_m≤yX

hmbv] XpI hnX-cWw sNøp-∂-Xn\p ap≥]mbn Xs∂ Pmay-°m¿ Bh-iy-amb CuSv

sImSpØv Bb-Xns‚ tcJ-Iƒ Pmay-°m-c≥ AS-bvt°-≠-Xmb XpI hmbv] hkvXp-

hns‚ aqey-Øn¬ ta¬ AS-bv°p-∂-Xm-sW∂pw BbXv C≥thm-bn-kns‚ Bap-J-Øn¬

tcJ-s∏-Sp-Ønbpw hy‡-am-t°-≠-Xm-Wv.

6.0 hnX-cWw \S-Øp-∂-Xn-\p≈ \n_-‘-\-Iƒ

6.1 hmbv] Icm-dn≥ ta¬ hmbv] sImSp-°p∂ Bƒ hnX-cWw sNø-s∏-Sp∂ XpI-bv°p-

ta¬ D≠m-Im-hp∂ IS-a-Iƒ Xmsg ]d-bp∂ ]Imcw

F) hmbv] FSp-Ø-bmƒ hmbv]-°p-ta¬ Pmayw G¿s∏-Sp-Øp-Ibpw Bb-Xn\v Bh-iy-amb

Pmay-°-cpsS Pmayw lmP-cm-°p-Ibpw t]man-k-dn-t\m v \¬Ip-I-tbm, at‰-sX-¶nepw tcJ-

Iƒ hmbv] sImSpØ Bfns‚ Bh-iym-\p-k-cWw JWvUn-I˛3 ¬ ]d-bp∂ ]Imcw

\¬Ip-∂-Xm-Wv.

Page 15: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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_n) bmsXmcp hn[ Xncn-®-Shp hogvN-Ifpw hmbv] sImSpØ Bfns‚ mKØp \n∂pw D≠m-

Im-Xn-cn-∂mepw

kn) Cu Icm¿ \S-∏m-Im-\m-ImØ hn[w Akm-[-c-W-am-bn-t´m, A√m-sXtbm D≈ GsX-

¶nepw kml-Ncyw D≠m-bn-cp-∂mepw BbXv Cu Icm-dnse hyh-ÿ-Iƒ ]men-bv°-s∏-

Sm≥ hmbv] FSpØ Bsf A\p-h-Zn-bv°m-Xn-cn-°p∂ ]£w

7.0 hmbv] FSp-°p∂ Bfns‚ ]mXn-\nXyw

hmbv] FSpØ ]Xn-\n-[m\w sNøp-∂-Xmb Xmsg ImWn-bv°p∂

7.1 hmbv] FSp° Bƒ°v Cu Icm-dn¬ G¿s∏-Sp-∂-Xn-\m-h-iy-amb \nb-a-]-c-amb Ign-hp-

≈-XmWv hmbv] FSp-°p∂ Bƒ bmsXmcphn[ amb Imc-W-Ømepw XS--ßtfm

As√-¶n¬ \ntcm-[-\tam GsX-¶nepw \nb-a-Øm-tem, hn[n \nb-a-kw-ln-X, DØ-c-hv,

N´w, Icm¿ ]Im-ctam A√m-sXtbm Cu Icm¿ \S-∏n-em-°p-∂-Xn\v Cu Icm¿ ]Imcw

C√ F∂pw BbXv t_m≤y-s∏-Sp-Øp-∂Xpw Cu Icm¿ ]Im-c-ap≈ F√m _m≤y-X-

Ifpw Gs‰-Sp-°p-∂-Xp-amWv. Cu Icm¿ \S-∏n-em-°p∂ ]£w Cu Icm¿ aqe-ap-≈Xpw

\nb-a-]-c-ambn hmbv] FSpØ Bfns\Xnsc \S-]-Sn-Iƒ ssIs°m-≈p-∂-Xn\v Cu Icm¿

]Imcw A¿l-X-s∏-Sp-∂-Xp-am-Wv. hmbv] FSpØ Bƒ (G-sX-¶nepw Iº\n/ÿm]\w

Bbn-cn-°p∂ ]£w) bYm¿∞-ambn Ct∏mƒ C≥Uy-bn¬ \ne-hn-ep-≈-Xmb \nb-a-

߃°v A\p-kr-X-ambn Cu Icm-dn¬ G¿s∏-Sp-∂-Xn\v A¿l-X-bp-≈-Xm-sW∂pw t_m≤y-

s∏-Sp-Øp-∂p.

7.2 GsX-¶nepw Xc-Øn-ep≈ _m≤y-X-Itf As√-¶n¬ GsX-¶nepw Imc-W-h-im¬ ssIhiw

Gs‰-Sp-°p-∂-Xn-\p≈ Ah-Im-itam hmbv]-h-kvXp-hn¬ Ct∏mƒ \ne-hn¬ C√.

7.3 Snbm≥ F√m-Ø-c-Ønepw GsX-¶nepw ÿm]-\-Øn-\pw, \n¿t±-i-߃°pw, kΩ-X-

߃°pw, ssek≥kn\pw A\p-hm-Z-Øn-\p-ap≈ Imcy-ßfpw GsX-¶nepw a‰p Xc-Øn-

ep≈ Pmay ]X-ßfpw Cu Icm-dns‚ hmbv] hkvXp-hn\p ta¬ Icm¿]-Imcw \S-Øp-

Ibpw sNøp-∂-Xm-Wv. hmbv] FSpØ Bƒ F√m-hn[ \nIp-Xn-I-fpw, \nb-]-c-amb _m≤y-

X-Ifpw Abmƒ HSp-t°-≠-Xm-bp-s≠-¶n¬ At±-l-Øn\v t\m´okv Ah-Im-i-hmZw apX-

emb In´msX Xs∂ HSp-t°-≠-Xm-Wv.

7.4 hmbv] hkvXp Hcp hml\w Bbn-cn-bv°p∂ kml-N-cy-Øn¬ hmbv] hml\w HmSn-

bv°p∂ Bƒ \nb-a-]-c-ambn hml\w HmSn-bv°p-∂-Xn-\p≈ ssek≥kv D≈ Bƒ

amX-am-Ip-∂-XmWv F∂v hmbv] FSpØ Bƒ Dd∏phcp-tØ-≠-Xm-Wv.

7.5 hmbv] FSpØ Bƒs°-Xnsc GsX-¶nepw Xc-Øn-ep≈ \nba \S-]-Sn-I¬ As√-¶n¬

Ah-Im-i-hm-Z-߬ (kn-hn-em-tbm, Inan-\-emtbm at‰-sX-¶nepw Xc-Øn-tem) \ne-hn¬

C√ F∂pw `mhn-bn¬ D≠m-Ip-hm-\n-√mØ kml-N-cy-am-Wp-≈-sX∂pw hmbv] FSp-Ø-

bmƒ kΩ-Xn-bv°p-∂p.

8.0 DS-º-Sn-Iƒ/hmbv]-I-S-°m-cs‚ Dd-∏p-Iƒ

hmbv] FSp-Ø-bmƒ

F) H∂mw JWvUn-I-bn¬ ]d-bp∂ Imcy-߃°p-am-X-ambn hmbv] D]-tbm-Kn-t°-≠Xpw

_n) Cu Icm-dns‚ ]q¿Øo-I-c-W-Øn¬ GsX-¶nepw Ime-Xm-akw hcn-I-bm-sW-¶n¬ BbXv

FXbpw s]s´∂p shfn#v-s]-Sp-Øp-Ibpw

Page 16: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 16 -

kn) IrXy-ambpw kXy-ambpw F√m-hn-[-\n-b-a-ßfpw ]men-®p-sIm-≈m-sa-∂pw, hml-\-Øn¬

ta¬ CuSm-°m-hp∂ F√m XpI-Ifpw AS®p sIm≈m-sa∂pw kΩ-Xn-°p-Ibpw sNøp-

∂p. hmbv] hkvXp-hns‚ ]h¿Ø-\-Ønepw kwc-£-W-Øn\pw ]cn-]m-e-\-Ønepw kIe

DØ-c-hm-Zn-Xzhpw AXp aqe-ap-≠m-Im-hp∂ kIe _m≤y-X-Iƒ°pw DØ-c-hm-Zn-bm-bn-

cn-°p-∂-Xm-sW∂pw

Un) C≥jp-d≥kv t]mfn-kn-bpsS D]-t`m-‡m-sh∂ \ne-bn¬ hmbv] sImSpØ Bƒ \n¿t±-

Kn-bv°-s∏Sp∂-Xmb C≥jp-d≥kv Iº-\n-bn¬ \n∂pw GsX-¶nepw Xc-Øn¬ D≠m-Im-

hp∂ \jvS-߃s°-Xn-sc, Xo, hg-°v, sh≈-s∏m-°w, hml\ A]-ISw apX-emb Ah-

ÿ-I-fn¬ hmbv] hkvXp-hns‚ Pmayw kwc-£n-bv°p-∂-Xn-\p≈ Imcy-߃ Dd∏p hcp-

Øp-∂-Xm-sW∂pw

C) GsX-¶nepw Xc-Øn-ep-≠m-Ip∂ \jvS-tam, \mitam hmbv]-hkvXp hn\p-≠m-Ip-I-bm-

sW-¶n¬ BbXv GsX-¶nepw Xc-Ønepw ]IrXn Zpc-¥-߃ aqe-am-bmepw (Np-g-en-°m-

‰v, sh≈-s∏m-°w, sImSp-¶m-‰v, `qan Ipep°w apX-emb Bbm-epw) FXbpw s]s´∂v

hmbv] sImSpØ Bfns\ Adn-bn®p sIm≈m-sa∂p

F^v) F√m A[n-Im-c-ÿm-]-\-ß-fnepw kΩ-Xhpw A\p-a-Xnbpw a‰p ssek≥kp-Ifpw e`n-

bv°p-∂-Xn\pw Cu Icm-dns‚ ]q¿Øo-I-c-W-Øn¬ Bh-iy-amb F√m hn[ \S-]-Sn-Ifpw

ssIs°m-≈p-∂-Xm-sW∂pw Cu Icm-dn\p th≠nbpw Pmay hyh-ÿ-Iƒ°-\p-kr-X-ambpw

sNøp-∂-Xm-sW-∂pw.

Pn) hmbv] hkvXp hn¬∏\ \S-Øn-tbm, ssIam‰w sNbvtXm, ]W-b-s∏-Sp-Øp-Itbm GsX-

¶nepw Xc-Øn¬ _m≤yX hcp-Øn-tbm, As√-¶n¬ lmP-cm-°p-Itbm As√-¶n¬ FsX-

¶nepw Xc-Øn¬ Ah-Imiw Dt]-£n-°p-Itbm XpS-ßnb Imcy-߃ hmbv] sImSpØ

Bfns‚ A\p-hmZw IqSmsX sNøp-I-bn√ F∂p kΩ-Xn-°p∂p GsX-¶nepw Xc-Øn-

ep≈ ]Xy-£-amtbm ]tcm-£-amtbm D≈ hmbv] hkvXp-hns‚ ssIam‰w Inan-\¬

\S-]Sn IaØn\p hnt[-b-amb Ip‰-I-c-amb hogvN-bmbn IW-°m-°-s∏-Sp-∂Xpw h©-

\m-]-c-amb Ip‰-Ir-Xy-Øn-\p≈ in£W \S-]-Sn-Iƒ kzoI-cn-°p-∂-Xn-\mbn ]cm-Xn-sIm-

Sp-°p-hm\pw F^v.-sF.-B¿ tcJ-s∏-Sp-Øp-∂-Xn\pw hmbv] FSpØ Bfns\Xnsc \S-

]-Sn-I¬ FSp-°p-hm≥ hmbv] sImSpØ Bfns\ Ah-Im-i-s∏-Sp-Øp-∂-Xp-am-Wv.

F®v) hmbv] hkvXp IrXy-ambpw i≤-tbmSpw AtX Ah-ÿ-bn¬ kq£n-t°-≠Xpw Imem-

Im-e-ß-fn¬ Bh-iy-ambnhcp∂ F√m-hn[ tISp-]m-Sp-Ifpw \o°n Bh-iy-amb Iq´n-

t®¿°-ep-Itfm £a-X-h-cp-Øtem \SØn hmbv] hkvXp Icm-dns‚ Imem-h[n Xocp-

∂-Xp-hsc \√ ]h¿Ø\ £a-X-tbmsS kq£n-t°-≠-Xm-Wv.

sF) ap≥Iq-dmbn XoøXn C´p \¬Inb sN°p-I-fpsS Imcy-Øn¬ Bb-Xns‚ A°u-≠p≈

_m¶n¬ Bh-iy-amb _me≥kv XpI Ds≠-∂p-d∏p hcp-Ønepw BbXv XhW/KUp

XoøXn HSp-t°≠ Xoø-Xnbv°v ¢nb¿ sNøp∂ Xc-Øn¬ XhW apS°w hcp-ØmsX

kq£n-t°-≠-Xp-am-Wv.

sP) F√m hn[ s]mXp-hmb Xncn-®-S-hp-Ifpw AXm-bXv hcp-am\ \nIp-Xn-Ifpw a‰p CXc

\nIp-Xn-Ifpw k¿°m-cn-te°v AS-t°-≠-Xmb Kh¨sa‚ns‚ tIµ, kwÿm\ As√-

¶n¬ GsX-¶nepw A[n-Imc ÿm]-\-ß-fntes°mSp-t°-≠-Xm-bh sImSpØp sIm≈m-

sa∂pw CXn-\m¬ kΩ-Xn®v Cu Icm-dn¬ G¿s∏-Sp∂ ka-bØv Aßn-s\-bp≈ bmsXmcp

]ng-hp-Ifpw hcp-Øn-bn- n-√m-Ø-Xm-sW∂pw kΩ-Xn®p sIm≈p-∂p.

sI) hmbv] hkvXp ]pXnb hml\w Bbn-cp-∂m¬, BbXv DNn-X-amb A[n-Imc ÿm\-ß-

Page 17: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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fn¬ tamt´m¿ hml\ \nbaw 1988 A\p-im-kn-°p∂ ]Imcw cPn-ÿ sNbvXp ]Wb

hyh-ÿ-Iƒ ]am-W-ß-fn¬ tcJ-s∏-Sp-Ønbpw BbXv hmbv] sImSpØ Bfns‚

t]cn¬ sNbvXv sImSp-t°-≠-Xp-am-Wv. hmbv] hkvXp D]-tbm-Kn-°-s∏´ hml\w Bbn-

cn-∂m¬ BbXv Bh-iy-amb shfn-s∏-Sp-Ø-ep-Iƒ hml-\-Øn¬ B¿.kn _p°nepw

a‰p tcJ-I-fnepw ImWn®v hmbv] sImSpØ Bfns‚ Ah-Imiw kwc-£n-t°-≠-Xp-am-

Wv.

F¬) hmbv] hkvXp hml\w Bbn-cp-∂m¬ cPn-kvtS-j≥ k¿´n- n-°-‰ns‚ ]I¿∏v hmbv]

sImSpØ Bfns\ G¬∏n-t°-≠-Xpw.

Fw) hmbv] hkvXp-hmb hml-\-Øns‚ Uyqπn-t°‰v k¿´n- n-°-‰n\v bmsXmcp Imc-W-hm-

imepw hmbv] hkvXp ssIh-i-Øn-en-cn-°p-Ibpw hmbv] Icm¿ \ne-\n¬°p-∂-Xp-amb

kml-N-cy-Øn¬ ian-°-cp-Xm-ØXpw

F≥) hml-\-Øns‚ GsX-¶nepw Xc-Øn-ep≈ tISp-]m-Sp-Iƒ kw -hn-°p-Itbm tamjWw

t]mhp-I-tbm, As√-¶n¬ C≥jp-d≥kv kw_-‘n-bmb GsX-¶nepw tIkp-Itfm

X¿°tam D≠m-bmtem hml-\-Øns‚ B¿.kn _p°v, \jvS-s∏-Sp-Itbm ssItamiw

hcn-Itbm sNøp-∂-Xm-bm¬ BbXv kw`hw Ign™v sXm -SpØ aq∂p ]hrØn Znh-

k-߃°Iw hmbv] sImSpØ Bfns\ tcJm-aqew Adn-bn-t°-≠-Xm-Wv. Cßns\ kw -

hn-®m¬ hmbv] sImSpØ Bƒ, Cu Icm-dnse a‰p-h-Im-i-߃°v tISp-h-cmsX \nb-a-

]-c-ambn th≠p∂ \S-]-Sn-Iƒ ssIs°m-≈p-∂-Xn\v klm-bn-°p-Ibw hmbv] FSpØ

Bfns\ Ccp Iq -cp-sSbpw Ah-Im-i-߃ kwc-£n-bv°p-∂-Xn-\mbn kwc-£n-t°-≠-

Xp-am-Wv.

H) GsX-¶nepw k¿°m¿, ap\n-kn-∏m-en-‰n, doPn-b-W¬ Sm≥kvt]m¿´v As√-¶n¬ at‰-sX-

¶nepw A[n-Imc ÿm]-\-ß-fntem HmSp-t°-≠-Xmb XpI-Iƒ, \nc-°p-Iƒ, \nIp-Xn-Iƒ,

Ct∏mƒ \ne-hn-ep-ff a‰p sImSp-t°≠ XpI-Iƒ As√-¶n¬ C\nbpw hmbv] hkvXp-

hn¬ IW-°m-°-s∏-Sp-∂-Xmb XpI-Iƒ apX-emb HmSp-°nbpw BbXv hmbv] sImSpØ

B¬ Bh-iy-s∏-Sp∂ ]Imcw F√m Nm¿÷n\pw D≈ cko-Xp-I-fpw, \nIp-Xn-I-fpw,

IW-°p-Iq- -ep-Ifpw a‰pw HSp-t°≠ XpI-Iƒ HSp-°n-b-Xn-s‚bpw lmP-cm-°n-s°m-≈-

≠-Xp-am-Wv.

]n) hmbv] hkvXp-hn≥ta-tem, GsX-¶nepw `mKo-I-ambn hmbv] hkvXp-hntem bmsXmcp

hn[ P]vXn \S-]-Sn-I¬ D≠m-°p-hm≥ CS-bm-°p-Itbm Bb-Xn\p A\p-h-Zn-°p-Itbm

sNøp-I-bn-√-sb∂pw As√-¶n¬ GsX-¶nepw Xc-Øn-eq≈ \jvStam As√-¶n¬ Pmay

hkvXp-hns\ A]-IsS hcp-Øp-Itbm apX-em-bh hmbv] sImSpØ Bfns‚ tcJm-aq-

e-ap≈ kΩXw IqSmsX \S-Ø-s∏-Sp-∂-X√ F∂pw kΩ-Xn-bv°p-∂-Xm-Wv. GsX-¶nepw

Xc-Øn¬ ]Xy-£-amtbm ]tcm-£-amtbm D≈ hmbv] hkvXp-hns‚ ssIam‰w sNø-

ep-Iƒ Ian-\¬ Ip‰-I-c-amb Icm¿ ewL-\-ambn IW-°m°n h©-\m-Ip-‰-Øn-\mbn

A\ymbw b¬ sNøp-hm\pw, F v.-sF.-B¿ cPn-ÿ B°p-∂-Xnt\m As√-¶n¬ Inan-

\¬ \nb-a-Øn-\-[n-jvTn-X-amb ]cm-Xn-Iƒ hmbv] FSpØ Bƒs°-Xnsc sImSp-°p-∂-

Xn\pw hmbv] sImSpØ Bƒ°v tXm∂p∂ ]£w Ah-Imiw D≠m-bn-cn-bv°p-∂-Xm-

Wv.

byq) hmbv] sImSpØ Bƒ Bh-iy-s∏-Sp∂ ]£w F√m hn[-amb ]hr-Øn-I-fpw, B[m-c-

ß-fpw, hm°p-sIm-Sp-°-ep-I-fpw, Imcy-ßfpw IqS-X-embn Pmay-Øn¬ hyhÿ sNbvXpw

CXn-\m¬ AXn-\p≈ kIe Ah-Im-ihpw A[n-Im-chpw kIe tcJ-Ifpw \S-Øn-s®-Sp-

°∂Xn-te-°p≈ kIe Nne-hp-Ifpw Bh-iy-ambn hcp∂ ]£w BbXp sImSp-°p-

Page 18: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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∂-Xp-am-Wv.

B¿) hmbv] sImSpØ Bfns\ bmsXm-cp-hn-[-amb _m≤yXIƒs°-Xn-cmbp≈ kwc-£Ww

sImSpØpw \nc-]-Z-h-]-c-ambn At±-l-Øn-s\-Xnsc D≠m-Im-hp∂ Nne-hp-I-fn¬ \n∂pw,

XpI, Ah-Im-i-hm-Z-߃ D∂-bn-°-s∏- m¬ BbXv (A-]-ISw aqetam \mi-\-jvS-߃

aqetam a‰p I£n-I-tfm-Sp≈ _m≤yX apX-em-b-h) Aßn-s\-bp≈ G√m XpI-Ifpw

\nb-a-]-c-amb Nne-hp-Ifpw a‰p okpw a‰p XpI-Ifpw HSp°n hml\ hkvXp ssIhiw

Gs‰-Sp-°¬, C≥jp-d≥kv ]oanbw AS-bv°¬, hmbv] hkvXp-hn¬∏\ \S-Øp-∂-Xn-

te-°mbpw AS®p sIm≈m-sa∂pw CXn-\m¬ kΩ-Xn-bv°p-Ibpw sNøp-∂p. hmbv]

sImSpØ Bƒ°v CXn-t\m-S-\p-_-‘n®v D≠m-Im-hp∂ ]eni sImSp-°p-hm≥ Snbm≥

GsX-¶nepw Imc-W-h-im¬ s\tKm-jy-_nƒ C≥kvSq-sa‚ v BIvSv ]Im-ctam Inan-

\¬ \S-]-Sn-Ia ]c-amtbm As√-¶n¬ at‰-sX-¶nepw A[n-Imc ÿm]-\-Øntem kao-]n-

°p-∂-Xm-bm¬ sImSp-°p-hm≥ hmbv] FSpØ Bƒ _m≤y-ÿ-\m-Wv.

Fkv) hmbv] sImSpØ Bfns‚ kI-e-hn-[-amb \nb-a-ßfpw Imem-Im-e-ß-fn¬ Acn-bn-°p-

∂-Xp-amb \nb-a-t -Z-K-Xn-Ifpw Adn-bm-sa∂pw As√-¶n¬ a\-n-em-°p-∂-Xm-sW-∂pw.

Sn) GsX-¶nepw coXn-bn-ep≈ bmsXmcp hn[-amb _m≤y-X-Ifpw hmbv] hkvXp-hn¬ D≠m-

Ip-∂-X-√m-sb∂pw

9.0 ]kvXm-h\/DS-ºSn/hmKvZm-\w- -Pm-ay-°m-cs‚ (Im-cp-sS)

9.1 Pmay-°m-c\v (°v) \nb-a-]-c-ambn Cu Icm-dn-te¿s∏-Sp-hm-\p≈ Ignhpw ]m]vXnbpw D≠m-

bn-cn-t°-≠-XmWv. Pmay-°m-c\v (°v) GsX-¶nepw Xc-Øn-ep≈ \ntcm-[-\-tam, XS-

s∏SpØp-ep-Itfm GsX-¶nepw \nb-a-tam, \na-b-kw-ln-Xtbm DØ-c-thm, hn[n-tbm,

N -ß-tfm, Icmtdm As√-¶n¬ at‰-sX-¶nepw Imc-W-Ømtem Cu Imcm-dn¬ G¿s∏-Sp-

∂-Xn\p bmsXm-cp-hn[ _m≤y-X-Ifpw Cs√∂pw CXn-\m¬ hmKvZm\w sNbvXp sIm≈p-

∂-Xp-am-Wv. Cu Icm-dn¬ G¿s∏-Sp∂ ]£w Cu Icm¿ \nb-a-]-c-ambn Pmay-°m-cs\

(sc) _m≤y-X-bp-f-hm-°p-∂Xpw BbXv \nb-a-]-c-ambn \S-Øns®Sp°p-hm≥ Cu Icm¿

]Imcw hmbv] sImSpØ Bfn\v kn≤n-®n- p≠v F∂pw kΩ-Xn-°p-∂p. Pmay-°m-c≥

(I-º\n Bbn hcp-∂-Xm-bm¬) Cu Icm-dn¬ G¿s∏-Sp-hm≥ C≥Uy-bnse \ne-hn-ep≈

\nb-a-ß-fm¬ A[n-Im-chpw ]m]vXnbpw Ds≠∂pw kΩ-Xn-bv°p∂p

Pmay-°m-c≥ (Im¿) IqSp-X-embn kΩ-Xn-bv°p-∂Xv

9.2(F) hmbv]-sIm-SpØ Bfn-s‚, hmbv]-Xn-cn-®-Shpw hmbv] FSpØ Bfns\ Cu hmbv]

Icm-dnse hyh-ÿ-I-fn¬ \n∂p≈ hnSp-X¬ \S-]-Sn-Ifpw Cu hmbv] Icm-dnse c≠mw

JWvUn-I-bnse ]kvXm-h-\-Iƒ°v Dt]m¬_-eIw Bbn-cn-°p-∂-Xp-am-Wv.

(_n) GsX-¶nepw Imc-W-h-im¬ Cu hmbv]-I-cm-dn¬ hnh-cn-®n-cn-bv°p∂ kml-N-cy-ß-fm¬

Xncn-®-S-hn\p apS°w hcp-∂-Xm-bm¬ FXbpw s]s´∂v hmbv] FSpØ Bƒ Xncn-®-

Shpw \SØn hmbv]-ZmXm-hns‚ _m≤y-X-I-fn¬ \n∂pw hnSp-X-en-\mbn bmsXmcp hn[

FXn¿t∏m hntcm-[tam a‰p GsX-¶nepw coXn-bntem ]I-Sn-∏n-bv°msX _m°n-bp≈

AS®p Xo¿t°-≠-Xmb XpI apgp-h≥ D≠m-Im-hp∂ ]en-ibpw a‰p Nm¿Pp-Ifpw AS°w

hmbv]-sIm-SpØ Bfn\v sImSpØp Xo¿t°-≠-Xm-Wv.

(kn) Cu hmbv]-I-cm-dnse hyh-ÿ-Iƒ F√mw Xs∂ hmbv] FSpØ Bƒ ]men-bv°-s∏-

Sp∂XmsW∂pw kΩ-Xn-bv°p-∂p.

Page 19: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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9.3 Pmay-°m¿ CXn-\m¬ hy‡-ambn kΩ-Xn-bv°p-∂-XmWv Snbmƒ/Snbm≥ GsX-¶nepw Xc-

Øn-ep≈ sXfnthm AXm-bXv hmbv] sImSpØ Bfns‚ GXp-hn-t[-\-b-ap≈ tcJm-aq-

e-ap≈ Adn-bn∏v as‰m∂pw IqSmsX Cu Icm-dn¬ hnh-cn® ta¬hn-em-k-Øn¬ Pmay-

°m-cs\ GsX-¶nepw Xc-Øn-ep≈ Xncn-®-S-hnse hogvN-Iƒ Adn-bn-°p-∂-Xm-sW∂

hkvXp-X. hmbv] sImSpØ Bfns‚ DtZym-K-ÿs‚ Isøm∏p ]Xn® hmbv] Xncn-®-S-

hp-Xp-Ibpw Xncn-®-S-hn-\p≈ ka-bhpw Xoø-Xnbpw tcJ-s∏-Sp-Ønb Snbm-fpsS ssIsøm∏p

]Xn® FgpXn Xøm-dm°nb Hcp k¿´n- n-°‰v Pmay-°m-c-s\-Xn-sc-bp≈ hy‡-amb sXfn-

hmbn IW-°m-°-s∏-Sp-∂-Xm-Wv.

9.4 Pmay-°m-c≥ BZysØ \n¿t±-i-Øn¬ Xs∂ _m°n XpI Xncn-®-S-bvt°-≠Xpw Bb-

Xn\p bmsXm-cp-hn[ \ncm-I-c-Wtam a‰p hyh-ÿ-Itfm Fs¥-¶nepw XS--hm-Z-ßtfm

hmbv] FSp-Ø-bm-fns‚ Xmbnt´m a‰m-cp-sS-sb-¶nepamtbm D∂-bn-°p-hm≥ ]mSn-√m-ØXpw

BIp-∂p. Pmay-°m-c≥ ta¬ \S-]-Sn-I-fn¬ bmsXmcp hn[ \ymbo-I-c-W-ßfpw hmbv]

sImSpØ Bfn¬ \n∂pw Bh-iy-s∏-Sp-hm≥ ]mSn-√m-ØXpw Pmay-°m-c\v hmbv]

sImSpØ Bfns‚ ta¬ CXp kw_-‘n®v bmsXmcp hn[ A[n-Im-chpw C√m-Xn-cn-

bv°p-∂-Xp-am-Wv.

9.5 Pmay-°m-c≥ CXn-\m¬ hy‡-ambn kΩ-Xn-bv°p-∂-XmWv Cu Pmayw hmbv] FSpØ

Bfns‚ Cu Icm-dnse hmbv] _m≤yX Xocp-∂-Xp-hsc XpS¿∂p t]mIp-∂-Xm-sW∂pw

Pmay-°m-c≥ AXp apgp-h≥ Xocp-∂Xp hsc XpS¿∂p t]mtI-≠Xpw BWv. Pmay-°m-

cs‚ _m≤yX hmbv] FSpØ Bfn-t\m-sSm∏w H‰-bv°mbpw Iq´mbpw D≈-Xm-Wv.

9.6 Pmay-°m¿ CXn-\m¬ hy‡-ambn kΩ-Xn-bv°p-∂-XmWv Snbm-fpsS _m≤yX hmbv]

FSpØ Bfns‚ _m≤yX Xocp-∂-Xp-hsc Pmay-Øns‚ Dd-∏n-te-°m-bn- p-≈-Xpw, Bb-

Xn-\m¬ Pmay-°m-c≥ bYm¿∞ hmbv] FSpØ Bfn-s‚ AtX DØ-c-hm-Zn-Xzhpw _m≤y-

Xbpw Cu hmbv] Icm-dn-\m¬ hmbv] sImSpØ Bfn-t\mSv D≠m-bn-cn-bv°p-∂Xpw hmbv]

XpI AS®p Xo¿°p-hm≥ Xøm-dp-am-sW-∂pw.

9.7 Pmay-°m-c≥ CXn-\m¬ hy‡-ambn kΩ-Xn-bv°p-∂-XmWv bmsXmcp Imc-W-h-imepw Pmay-

°m¿ hmbv]m _m[y-X-bn¬ \n∂pw Hgn-hm-°-s∏-Sp-∂-X-√m-sb∂qw Cu Pmayw apJm-

¥ncw D≠m-Ip-∂tXm As√-¶n¬ Ime-l-cWw aqew a√msX GsX-¶nepw kml-N-cy-

߬ D≠m-bn-cp-∂mepw.... Xmsg ImWn-®n-cn-bv°p-∂-Xmb

(F) GsX-¶nepw hyXym-k-߃ Ah-cpsS kΩ-X-an-√msX Icm-dnse hyh-ÿ-Iƒ°-\p-k-

cn®v hmbv] sImSpØ Bfpw XΩn-ep-≠m-hp-Itbm

(_n) hmbv] FSpØ Bfpw hmbv] sImSpØ Bfpw XΩn-ep≈ GsX-¶nepw Icm¿ apJm-

¥ncw hmbv] FSpØ Bfns\ kzX-¥-\m-°n-bmtem

(kn) hmbv] sImSpØ Bfns‚ GsX-¶nepw ]hr-Øn-Iƒ \nb-a-]-c-ambn hmbv] FSpØ

Bfns\ kzX-¥-\m-°p∂ ]£w

Un) hmbv] sImSpØ Bƒ GsX-¶nepw Xc-Øn-ep≈ HØp Xo¿∏p-Iƒ As√-¶n¬ Imem-

h[n \o´n-s°m-Sp-°p-Itbm sNøp-tºmƒ

C) hmbv] sImSpØ Bƒ Pmayw \jvS-s∏-Sp-Øp-tºmƒ

9.8 Pmay-°m-c≥ kΩ-Xn-bv°p-∂-XmWv Snbm-fpsS _m≤yX tcJm-aq-e-ap≈ t\m´okv cPn-

kvtSUv X]m-en¬ Ab-bv°p∂ apdbv°v Bcw- n-bv°p-∂-Xm-sW∂pw Bb-Xn\v hmbv]

Page 20: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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sImSpØ Bfn-s\-Xnsc \S-]Sn kzoI-cn-°p-Itbm Abm-fn¬ \n∂pw CuSm-°p-hm≥

ian-bvt°-≠-Xm-sW∂ hyh-ÿ-]m-en-bv°-s∏-SWw F∂p \n_-‘-\-sN-øp-∂-Xm-sW∂pw

9.9 Pmay-°m-c≥ CXn-\m¬ kΩ-Xn-bv°p-∂-XmWv hmbv] sImSpØ Bfns‚ GsX-¶nepw

Imc-W-h-im-ep-≠m-Im-hp∂ IjvS-\-jvS-߃°pw \jvS-Øn-\pw, Nne-hn-epw, Nm¿÷p-

Iƒ°pw (tIm-S-Xn-®n-e-hp-Iƒ h°o¬ okpƒs∏-sS) D≠m-Im-hp-∂Xpw CXn¬ \n∂pw

CXn-t\m-S-\p-_-‘n-®p-≠m-Im-hp-∂-Xp-am-b-Xn\pw As√-¶n¬ Cu Icm-d-\p-k-cn®v hmbv]

FSpØ Bƒ D≠m-°m-hp∂ GsX-¶nepw hogvN-Iƒ°pw hmbv] FSpØ Bƒ DØ-c-

hm-Zn-bm-bn-cn-°p-∂-Xm-sW∂pw

9.10 Pmay-°m-c≥ CtXmsS kΩ-Xn-bv°p-∂-XmWv hmbv] FSpØ Bƒ°v Cu hmbv] Icm¿

]Im-c-ap≈ Pmayw ]mh¿Øn-I-am-°p-∂-Xn-\p≈ Ahm-Im-ihpw BbXv Pmayw \S-∏n¬

hcp-Øp-∂-Xnt\m As√-¶n¬ GsX-¶nepw \S-]Sn Ia-߃ \S-Øp-∂-Xnt\m (\n-b-a-]-c-

amtbm A√m-sX-tbm) Pmay-°m-c-s\-Xn-cm-bn- p-≈-Xm-bn´pw Aß-s\-bp≈ GsX-¶nepw

\S-]-Sn-Iƒ°p ap≥]m-tbm, H∏-amtbm As√-¶n¬ AXn-\p-ti-jtam (\n-b-a-]-c-amtbm

A√m-sX-tbm) hmbv]-°m-c\v FXnsc lmP-cm-°n-bn- p-≈tXm As√-¶n¬ GsX-¶nepw

]ÿm-\-Ønt\m hy‡n-Iƒt°m FXn-cm-bn- p-s≠-¶nepw

9.11 Cu Pmay-°m-c≥ \¬Ip∂ Pmayw C≥Uy-bnse \nb-a-hy-h-ÿ-Iƒ°-\p-kr-X-am-bn-cn-

°p-∂-Xm-bn-cn°pw

9.12 CXn-\m¬ Pmay-°m-c≥ kΩ-Xn-bv°p-∂-XmWv AXm-bXv hmbv] sImSpØ Bƒ°v Pma-

b-°m-c≥ Pmay-tØm-sSm∏w ka¿∏n-°p-∂-Xmb hkvXp-X-Iƒ Ft∏mƒ thW-sa-¶nepw

GsX-¶nepw [\-Im-cy-ÿm-\-]-Ønt\m at‰m hmbv] sImSpØ Bfn\p t_m≤y-am-Ip∂

]£w shfn-s∏-Sp-Øm-hp-∂-Xm-sW∂pw BbXv Pmay-°m-c≥ bmsXmcp hn[-Ønepw X¿°

hnj-b-am-°p-I-bn-s√∂pw tNmZyw sNøp-I-bn-s√∂pw CXn-\m¬ kΩ-Xn-bv°p-∂p.

9.13 Pmay-°m-c≥ CXn-\m¬ kΩ-Xn-bv°p-∂-XmWv HØp Xo¿∏p hyh-ÿ-I-fnse JWvUn-I-

I-fn¬ ]d-bp∂ ]Imcw HØp Xo¿∏m-°p∂ a≤y-ÿs‚ (B¿_n-tS-‰-dp-sS) Xocp-am\w

(A-hm¿Uv) Pmay-°m-c\pw _m[-I-am-bn-cn-°p-∂-Xm-sW-∂pw)

9.14 Pmay-°m-c≥ CXn-\m¬ kΩ-Xn-bv°p-∂-XmWv Pmay-°m-c≥ \¬I-s∏´ Pmay-]Xw Icm-

dn¬ ]d-bp∂ Xoø-Xn-Iƒ Bcw- n-bv°p-∂Xpw A∂p apX¬ ]m_-ey-Øn¬ hcp-∂Xpw

BbXv hmbv] sImSpØ Bfn-s\-Xn-cmbn \n¿Ø-em-°-s∏-Sp-∂Xv Pmay-°m-ct\m hmbv]

FSpØ Btfm apgp-h≥ XpIbpw ]en-ibpw a‰p Nne-hp-Ifpw Xncn-®-bv°-s∏-Sp∂ kml-

N-cy-Ønepw Bbn-cn-°p-∂-Xm-sW∂pw

9.15. Cu Pmayw hmbv] sImSpØ Bfns\ hy‡n-]-c-am-bn- p≈X√m-ØXpw CXv mKo-I-amtbm

apgp-h-\mtbm GsX-¶nepw Bƒs°-Xnsc (ap-gp-h-\m-tbm, Pmay-Xp-I-bv°m-tbm) hmbv]

sImSpØ Bƒ \S-∏n-em-°p-∂Xv hmbv] XpI-bn¬ ta¬ hmbv] FSpØ Bƒ°p≈

_m≤y-X-bn¬ amX-am-bn- m-bn-cn-°p-∂-Xm-Wv.

10.0 hbv] hkvXp-hns‚, aqey-Øn-ep-≠m-Ip∂ G‰-°p-d-®n-ep-I-fn¬

10.1 hmbv] hkvXp-hns‚ aqeyw, ]pXnb hml-\-Øns‚ Imcy-Øn¬ aqeyw Cu Icm-dns‚

Bcw- -Øn\p tijw Db-cp-∂-Xm-bm¬, B kml-N-cy-Øn¬ hmbv] FSpØ Bƒ IqSp-

X-emb XpI Bh-iy-am-bXv ta¬ hml\w FSp-°p-∂-Xn\v HSp-t°-≠-Xm-sW∂pw hmbv]

sImSpØ Bƒ bmsXm-cp-hn-[-Ønepw hmbv]-bmtbm at‰-sX-¶nepw Xc-Ønepw ta¬

]d™ IpSnb aqeyw HSp-°p-hm≥ _m≤y-ÿ-\-√-sb∂pw As√-¶n¬ hml-\-Ønse

Page 21: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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aqey-Øns‚ Db¿∂v \nc°v IqSn hcp∂ kml-N-cy-Øn¬ hmbv] sImSpØ Bfn\v

Cu Icm¿ d±p sNøp-∂-Xn\v A[n-Im-c-ap-≠m-bn-cn-°p-∂Xpw Uoe¿t°m Iº-\nt°m

sImSpØ XpI CuSm-°p-hm≥ A[n-Im-c-ap-≠m-bn-cn-°p-∂-Xp-am-Wv. BbXv Cu Icm-

dnse a‰p hyh-ÿ-Iƒ°v bmsXmcp hn[ tIm´hpw D≠m-Ip-∂-X-√m-Ø-Xp-am-Wv.

11.0 ssIhiw ˛ hn´p-In- ¬

11.1 hmbv] FSpØ Bƒ°v hmbv] FSpØ hml-\-Øns‚ hml\ hym]m-cn-bn¬ \nt∂m

Iº-\n-bn¬ \nt∂m ho´p In´p-∂Xp hscbpw As√-¶n¬ hml-\-Øns‚ ta≥a, \ne,

Bb-Xns‚ D]-tbm-K-£-aX apX-emb ]cn-tim-[n-t°≠ apgp-h≥ DØ-c-hm-Zn-Xz-hp-≠m-

bn-cn-t°-≠-Xm-Wv. hmbv] FSpØ Bƒ hmbv] hkvXp ssIhiw In´nb DSs\ hmbv]

sImSpØ Bsf Adn-bn-t°-≠-Xm-Wv.

11.2 CXn-\m¬ hmbv] sImSpØ Bƒ a\-n-em-°p-∂Xpw kΩ-Xn-bv°p-∂-Xp-amWv GsX-

¶nepw Ime-Xm-akw hkvXp ssIhiw hn´p In´p-∂-Xn¬ hym]m-cn-bp-sStbm Iº-\n-bp-

sStbm mKØp \n∂pw D≠m-Ip∂ ]£-tam, As√-¶n¬ GsX-¶nepw Xc-Øn-ep≈ \mi-

\-jvS-߃°v Nne-hp-h-cp-I-tbm, GsX-¶nepw \jvSw, tIm´w, D]-tbm-K-£-aX C√m-sX-

h-cnI apX-em-bh D≠m-bm¬ hmbv] FSp-Ø-bmƒ°p amXw DØ-c-hm-ZnXzw D≈Xpw

Cu hI _m≤y-X-bn¬ \n∂pw hmbv] FSpØ Bƒ hmbv] \¬Inb Bsf Hgn-hm-°p-

∂-Xm-sW∂pw hmbv] FSp-Ø-bmƒ bmsXmcp Imc-W-h-imepw ta¬ ]kvXm-hn®n kml-

N-cy-߃ t\cn- m¬ Xncn-®-Shp KUp-°ƒ°v apS°w hcp-Øp-∂-X-√m-sb∂pw kΩ-Xn-

bv°p-∂-Xm-Wv.

12.0 D]-tbmKw

hmbv] FSp-°p∂ Bƒ kΩ-Xn-bv°p-∂-XmWv hmbv] hkvXp Abmƒ apJm-¥n-ctam

As√-¶n¬ tPmen-°m¿ apJm-¥n-c-amtbm As√-¶n¬ GP‚p apJm-¥n-c-amtbm C≥jp-

d≥kv t]mfn-kn-bnse hyh-ÿ-Iƒ°pw \n_-‘-\-Iƒ°pw hnt[-b-am-bn- m-√msX D]-

tbm-Kn-bv°p-I-bn√ F∂pw Bb-Xn¬ ]Im-c-ap≈ Fs¥-¶nepw coXn-bn¬ ]hr-Øn-

bv°p-∂-Xnt\m As√-¶n¬ C≥jp-d≥kv t]mfnkn Akm-[p-hm-Ip∂ Xc-Øn¬ ]tXy-

I-ambn hmbv] hkvXp/hml\w GsX-¶nepw hkvXp-°ƒ sIm≠p-t]m-Ip-∂-Xnt\m GsX-

¶nepw \nb-a-Øn-tem, sk‚-S¬, kwÿm\ \nb-a-ß-fpw, _‘-s∏´ t^md-Ãv,

FIvsskkv, IÃwkv skbn¬kv SmIvkv (hn¬]\ \nIp-Xn) s]mln-_n-j≥, H]n-bw,

dbnth t]m∏¿´n, \nb-a-]-c-a-√mØ ssIhiw hbv°¬, tKmƒUv I¨tSmƒ apX-em-

b-htbm IqSmsX ]hr-Øn-Iƒt°m D]-tbm-Kn-°p-∂-X√ F∂pw CXn-\m¬ kΩ-Xn-bv°p-

∂p. hmbv] FSp-°p∂ Bƒ hmbv] hkvXp hmbv] sImSp-°p∂ Bfp-ambn CuI-cm-

dn¬ D≠m-°nb hyh-ÿ-Iƒ°p hn]-co-X-ambn bmsXm-∂n\pw D]-tbm-Kn-°p-∂-X-√-

sb∂pw Bb-Xns‚ ta¬∏-d™ coXn-bn-ep≈ D]-tbm-K-Øns‚ kIe Nne-hp-Ifpw

Snbm-fpsS kz¥w Nne-hn-em-bn-cn-°p-∂-Xp-am-sW∂pw CXn-\m¬ kΩ-Xn-®n-cn-bv°p-∂p.

13.0 C≥jp-d≥kpw kwc-£-Whpw

hmbv] sImSp-°-s∏- -Xmb CuSn-s‚, kwc-£-W-Øn\pw hmbv] sImSpØ Bfn-s‚,

Ah-Imiw ÿm]n-°-s∏-Sp-∂-Xn-\pw, hmbv] FSpØ Bƒ Cu Icm-dn¬ H∏n´ tijw

C≥jz¿ sNø-s∏´ hkvXp F√m-hn-[-am-bp-≠m-Im-hp∂ \mi \jvS-ß-fn¬ \n∂pw A]-

ISw aqe-ap-≠m-Im-hp∂ \jvSw, a‰p \mi-߃ tImw]n-sl≥knhv t]mfnkn ]Im-c-

ap≈ a‰p dnkv°p-Iƒ ]tXy-In-®v, ka-cw, ASn-]n-Sn, sh≈-s∏m°w apX-emb a‰p henb

\jvS-߃ XpSßn km[m-c-W-bmbn D≠m-Im-hp∂ \jvS-߃°v A¨en-an-‰Uv Bb

Page 22: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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tX¿Uv ]m¿´n _m≤yX hmbv] sImSp-°p∂ Bƒ°qIqSn t_m≤y-s∏´ C≥jp-d≥kv

Iº-\n-bn¬ \ns∂-Sp-t°-≠Xpw B C≥jp-d≥kv \ne-\n¿Øn-s°m≠p t]mIp-∂-Xn-\m-

h-iy-amb ]oanbw XpI/ a‰p XpIIƒ apX-em-bh Cu Icm-dns‚ Imem-h[n hsc IrXy-

ambn AS®p sIm≠p-t]m-tI-≠Xpw hmbv]-sIm-SpØ Bƒ Bh-iy-s∏-Sp∂ ]£w C≥jp-

d≥kv t]mfn-kn, Ih¿t\m- v, cko-Xp-Iƒ apX-em-bh lmP-cm-°p-Ibpw sNtø-≠-XmWv

Hmtcm C≥jp-d≥kv t]mfn-knbpw hmbv] FSp-°p∂ Bfns‚ t]cn¬ Bh-iy-amb

F≥tUm-gvkvsa‚ v temkv t]bn F∂ \ne-bn¬ \S-Ønbpw IqSmsX AUo-j-W¬

F≥tUm-gvkvsa‚ v hmbv]-sIm-SpØ Bƒ Bh-iy-s∏-Sp∂ ]£w Snbm-fpsS _m¶ns‚

t]cnepw \S-tØ-≠-Xm-Wv.

13.2 hmbv] FSp-°p∂ Bƒ hmbv] hkvXp C≥jp-d≥kv t]mfn-kn-bpsS \n_-‘-\-Iƒ°pw

hyh-ÿ-Iƒ°pw hn]-co-X-ambn D]-tbm-Kn-bv°p-hm≥ ]mSn-√m-ØXpw C≥jp-d≥kv

t]mfnkn Akm-[p-hm-Ip∂ Xc-Øn-ep≈ bmsXm-cp-hn-[-amb ]hr-Øn-Itfm \S-]-Sn-Itfm

sNøp-hm≥ ]mSn-√m-Ø-Xp-am-Ip-∂p.

13.3 hmbv] sImSp-°p∂ Bƒ°v Abm-fpsS ]cn-]q¿Æ hnth-N-\-Øn¬ hmbv] FSp-°∂

Bfn-\p-th≠n C≥jp-d≥kv FSp-t°-≠Xpw hmbv] FSp-°p∂ Bƒ apJm-¥ncw kΩ-

X-amb C≥jp-d≥kv Iº-\n-bn¬ ]oanbw AS®pw A√m-Ø-]£w t]mÃv tU‰Uv sN°v/

t] Hm¿U¿/at‰-sX-¶nepw coXn-bn-ep≈ am¿K-ß-fn¬ IqSn ]Ww AS®v C≥jp-d≥kv

\ne-\n¿Øn-s°m≠p t]mtI-≠-Xp-am-Wv. F∂n-cp-∂mepw hmbv] FSpØ Bfns‚

`mKØp \n∂pw ]oanbw AShp hogvN hcp-Øp∂ ]£w hmbv] FSpØ Bfn\v

]oanbw XpI AS-bv°p-∂-Xn-\p≈ bmsXmcp XS-hpw D≠m-Im-ØXpw C≥jp-d≥kv

IrXy-ambn \ne-\n¿tØ-≠-Xp-am-Wv.

13.4 C≥jp-d≥kv \S-]-Sn-I-fn-ep-ff Ah-Im-i-hm-Z-߃ Ds≠-¶n¬ AXn¬ hmbvI sImSpØ

Bfn-s‚-Xmbn hmbv] FSpØ Bƒ CXn-\m¬ hmbv] sImSpØ Bƒ°v F√mhn[

C≥jp-d≥kv kwc-£-Whpw F√m-hn[ Ah-Im-i-ßfpw D∂-bn-°p-hm-\p≈ kI-e-hn[

Xncn-s®-Sp-°m-\m-hmØ Ah-Imi A[n-Im-chpw \¬Ip-∂Xpw hmbv] sImSpØ Bƒ°v

Int -≠-Xmb XpI AØ-c-Øn¬ CuSm-°m-hp-∂-Xp-am-Ip-∂p. hmbv] FSpØ Bƒ

hmbv] sImSpØ Bfns‚ F√m-hn-[-amb \n¿t±-i-ßfpw kzoI-cn-°p-Ibpw C≥jp-

d≥kv t]mfnkn kw_-‘n-®p≈ F√m \n¿t±-i-ßfpw \S-∏n-em-°p-Ibpw t]mfnkn Imem-

Im-e-ß-fn¬ ]pXp-°p-Ibpw sNtø-≠-Xm-Wv.

13.5 hmbv] FSp-°p∂ Bƒ Abm-fpsS kz¥w \ne-bn¬ Ime-Xm-akw IqSmsX GsX-¶nepw

A]-ISw aqetam at‰m D≠m-Im-hp∂/D≠m-bn- p≈ F√m hn[ dn∏-b¿ h¿°p-Ifpw

sNøp-Ibpw Bb-Xns‚ _n√p-Iƒ C≥jp-d≥kv Iº-\n-bn¬ lmP-cm°n s¢bnw Xo¿∏m-

t°-≠-Xm-Wv. hmbv] FSpØ Bfns‚ ]°¬ \n∂pw bmsXmcp hn[ Xncn-®-Shpw _m≤y-

Xbpw C√mØ ]£w hmbv] sImSpØ Bƒ C≥jp-d≥kv Iº-\n-bn¬ \n∂pw In´nb

XpI AtX-t]mse hmbv] FSpØv Bfn\v sImSp-t°-≠Xpw BWv.

14.0 ]nghp hcp∂ kµ¿ -ß-fn¬

Xmsg-∏-d-bp∂ kµ¿ -ß-fn¬ ]nghp hcp-Øn-b-Xmbn IW-°m-°p-∂-XmWv

14.1 hmbv] FSpØ Bƒ hmbv] Xncn-®-bv°p-hm-t\m, As√-¶n¬ GsX-¶nepw okv, Nm¿÷p-

Iƒ, GsX-¶nepw C≥Ãmƒsa‚ns‚ taep≈ Nnehv As√-¶n¬ Xncn-®-S-t°-≠-Xmb

Xoø-Xnt°m AXn¬ tijtam AS-bv°p-∂-Xn¬ ]cm-P-b-s∏- mtem

14.2 hmbv] FSpØ Bƒ (hy-‡n-I-fpsS Imcy-Øn¬ As√-¶n¬ H∂n¬ IqSp-X¬ Ds≠-

Page 23: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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¶n¬, Bsc-¶nepw Hcmƒ) ac-W-s∏- mtem As√-¶n¬ Fs¥-¶nepw \S-]-Sn-Iƒ FSp-°-

s∏- m¬ As√-¶n¬ Fs¥-¶nepw \S-]-Sn-Iƒ GsX-¶nepw A[n-Imc ]cn-[n-bn¬ Akm-

[p-hm-°-s∏-S-W-sa∂ Dt±-i-tØmsS As√-¶n¬ dnko-h-sd-tbm, SÃn-tb-tbm, As√-¶n¬

AtX-t]m-se-bp≈ DtZym-K-ÿ-s\-tbm, Snbm-fpsS hkvXp-°-fn¬ ta¬ \nb-an-bv°-s∏-

´m¬ As√-¶n¬

14.3 hmbv] FSpØ Bƒ (tIm¿]-td-jt\m Hcp ]m¿SvW¿ jn∏v t^tam Bbn-cn-°p∂

]£w) GsX-¶nepw \S-]-Sn-I¬ FSp-°p∂ ]£w As√-¶n¬ a‰p \S-]-Sn-Iƒ, \nb-a-\-

S-]-Sn-Iƒ XpS-ßp∂ ]£w hmbv] FSp-°p∂ Bfn-s\-Xnsc GsX-¶nepw aq∂m-a-sXmcp

]m¿´n hmbv] FSpØ ÿm]\w C√m-Xm-hp-Itbm AS®p ]q´p-I-tbm, ]p\-kw-L-S\

\S-°p-Itbm As√-¶n¬ dnko-hsd \nb-an-°-s∏-Sp-I-tbm, SÃn, As√-¶n¬ AtX \ne-

bn-ep≈ DtZym-K-ÿt\m hmbv] FSp-°p∂ Bfns‚ hkvXp-°-fn¬ ]tXy-In®v CuSp

\¬I-s∏´ hkvXp-hn¬ As√-¶n¬

14.4 hmbv] FSpØ Bƒ hmbv] hkvXp hn¬∏\ \S-Øp-I-tbm, _m≤yX hcp-Øp-I-tbm,

ssIams‰ sNøp-I-tbm, As√-¶n¬ hn¬∏\ \S-Øp-hmt\m ssIam‰w sNøp-hmt\m

GsX-¶nepw Xc-Øn-ep≈ _m≤yX hcp-Øp-hm-t\m, Dt±-in-°p-Itbm hmbv] sImSpØ

Bfns‚ tcJm-aq-e-amb kΩXw IqSmsX sNøp-Itbm sNøp∂ ]£w As√-¶n¬

14.5 hmbv] FSpØ Bƒ hmbv] hkvXp-hn≥taep≈ C≥jp-d≥kv ]oanbw AS-bv°m-Xn-

cn-bv°p-I-tbm, As√-¶n¬ G¬∏n-®n- p≈ t]mÃv tU‰Uv sN°p-Iƒ ]Ww amdmsX aS-

°n-b-Xn¬ ]Im-c-ap≈ _m¶ns‚ Nm¿Pp-Itfm Cu Icm-dns‚ hyh-ÿ-Iƒ ]d-bp∂

]Imcw AS-bv°m-Xn-cp-∂m-tem, As√-¶n¬

14.6 hmbv] hkvXp I≠p-sI- p-I-tbm, P]vXn sNø-s∏-Sp-I-tbm, GsX-¶nepw A[n-Im-cn-Iƒ

ssIh-i-Øn-se-Sp-°p-Itbm As√¶n¬ GsX-¶nepw hn[n \S-Øn∏p \S-]-Sn-I-fn¬ Dƒs∏-

Sp-Itbm As√-¶n¬

14.7 hmbv] FSpØ Bƒ \nIp-Xn-Iƒ, ]ng, Npa-Ø-s∏-Sp∂ a‰p Nm¿Pp-Iƒ AS-bv°m-Xn-cn-

bv°p-Itbm As√-¶n¬ \nba \S-]-Sn-Iƒ ]men-bv°-s∏-Sm-Xn-cn-bv°p-Itb ]men-bvt°-

≠-Xmbn Imem-I-e-ß-fn¬ DØ-c-hn-\-\p-k-cn-®p-≠m-Ip-∂XmbXv As√-¶n¬

14.8 hmbv] hkvXp tamjWw t]mhp-Itbm I≠p ]nSn-bv°p-hm≥ ]‰m-Xn-cn-bv°p-Itbm

sNøp∂ kml-N-cy-Øn¬ As√-¶n¬

14.9 hmbv] hkvXp I≠p sI -s∏-Sp-I-tbm, A]-I-S-Øn-em-hp-I-tbm, As√-¶n¬ D]-tbm-Kn-

bv°p-hm≥ ]‰mØ hn[-Øn¬ Bbn-Øo-cp-Itbm As√-¶n¬ B¿s°-¶nepw imco-cn-I-

amb A]-ISw hcp-Øp-∂-Xmb kml-N-cy-߃ D≠m-hp-Itbm sNøp-∂-Xm-bm¬ As√-

¶n¬

14.10 hmbv] hmßnb Bƒ hmbv] \¬Inb Bƒ°v Icm-dnse hyh-ÿ-Iƒ A\p-k-cn®v

sImSp-Ø-Xm-btXm sImSp-°p-hm-\p-t±-in-°p-∂tXm Bb t]mÃv tU‰Uv sN°p-Iƒ

GsX-¶nepw Imc-W-h-im¬ ]Ww amdm-\m-ImsX _m¶n¬ \n∂pw aS-ßp∂Xmb kml-

Ncyw D≠m-bm¬ As√-¶n¬

14.11 JWvUnI 2.10 ¬ ]d-bp∂ Imc-W-ß-fm¬ hmbv] FSpØ B¬ sImSpØ sN°p-Iƒ

]Ww \¬tI-≠-Xn√ F∂ \n¿t±iw _m¶n\p \¬Ip∂ kml-N-cy-Øn¬ As√-¶n¬

14.12 hmbv] hkvXp hml\ambn-cp-∂m¬ hmbv] FSpØ Bƒ Bb-Xns‚ cPn-kvtS-j≥

Page 24: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 24 -

tcJ-I-fpsS ]I¿∏p \¬Im-Xn-cn-bv°p∂ kµ¿ -Øn¬ As√-¶n¬

14.13 hmbv] FSp-°p∂ Bfn\v GsX-¶nepw kml-N-cy-Øn¬ hmbv] sImSp-°p∂ Bfns‚

Ah-Imiw kwc-£n-bv°p-I-bn√ F∂pw hmbv] hkvXp A]-I-S-s∏-Sp∂ coXn-bn-em-

sWt∂m Icm-dnse hyh-ÿ-I¬°v hn]-coX amsW∂pw aXn-bmb Imc-W-Øm¬

t_m≤yw hcn-Itbm sNøp∂ ]£hpw As√-¶n¬

14.14 Icm-dnse hyhÿ ]Imcw hmbv] FSpØ Bƒ hmbv] hkvXp-hns‚ bYm¿∞

hnh-cWw t_m≤y-s∏-Sp-Øm-Xn-cn-bv°p-Itbm (]p-Xn-bXpw ]g-b-Xp-amb hml-\-Øn-s‚)

As√-¶n¬

14.15 Cu Icm-dnse hyh-ÿ-I-tfm, DS-º-Sn-tbm, \nhr-Øn-Itfm As√-¶n¬ GsX-¶nepw hnh-

c-W-ßtfm hmbv] FSpØ Bƒ \¬Inb tcJ-Itfm sXfn-hp-Itfm Icm-dnse hyh-

ÿ-Iƒs°-Xn-cm-hp-Itbm As√-¶n¬ lmP-cm-°-s∏´ GsX-¶nepw tcJ-Itfm sXfn-hp-

Itfm ]cym-]vX-a-√mØXmhp-Ibpw sX‰mb \nK-a-\-ß-fn-tebv°v \bn-°p-∂-Xp-am-bmtem

As√-¶n¬

14.16 hmbv] FSp-Øm-bmsf ]m∏-cmtbm IS-°m-c-\mtb ]Jym-]n-°-s∏-Sp-Itbm (I-º-\n-bpsS

Imcy-Øn-em-bm¬ Iº\n AS®p ]q´¬ t\cn-Sp-Itbm enIzn-tU-j≥ ka¿∏n-°p-Itbm

sNøp-∂-Xm-bm¬) hmbv] FSpØ Bƒs°-Xnsc \nb-a-\-S-]-Sn-I¬ kzoI-cn-bv°-s∏-Sp-

Itbm sNbvXm¬ As√-¶n¬

14.17 hmbv] sImSpØ Bfns‚ A`n-]m-b-Øn¬ GsX-¶nepw a‰p kml-N-cy-߃ hmbv]

sImSpØ Bfns‚ Ah-Im-isØ l\n-bv°p-∂-Xm-sW∂v t_m≤y-s∏-Sp-tºmtgm As√-

¶n¬

14.18 hmbv] FSpØ Bfns‚ _m≤yX \n¬°p-∂-Xnse GsX-¶nepw ]ng-hp-Iƒ hmbv]

FSpØ Bfpw hmbv] sImSpØ Bfpw XΩn-ep≈ hmbv] DS-º-Sn-bnse hyh-ÿ-Iƒ°v

hn]-co-X-ambn hcp-Øp-∂-Xm-bm¬

15.0 hmbv] sImSp-°p∂ Bfns‚ Ah-Im-i-߃

15.1 D≠m-Im-hp∂ GsX-¶n-eptam As√-¶n¬ F√m ]nghp hcp-∂-Xmb kml-N-cy-ß-fnepw

hmbv] sImSpØ Bƒ hmbv] FSpØp Bfns\ _m°n apgp-h≥ XpIbpw a‰p Nm¿Pp-

Ifpw GXp coXn-bn-ep-≈Xpw ]en-i, A°u≠v ]gn, C≥jp-d≥kv ]oan-bw, a‰p \nIp-

Xn-Iƒ apX-em-b-h-bn¬ hcp-Øn-bn- p-≈-Xp-am-bXv Xncn-®-S-bvt°-≠-Xm-sW∂v Adn-bn-t°-

≠Xpw Cu Icm¿ Imem-h[nbv°Iw Xs∂bpw AXn\p tijtam AS®p Xo¿t°-≠-

Xm-bXpw AS-bv°p-hm≥ Adn-bn-t°-≠-Xp-am-Wv. hmbv] sImSpØ Bfn\v H∂mw JWvUn-

I-bn¬ ]d-™n-cn-°p∂ ]Imcw IqSp-X-emb \nc-°n¬ hmbv] XpI-bn¬ taepw a‰p

In´m-\p≈ XpI-Ifpw AS-bv°p-∂-Xn-\mbn DØ-c-hn-Sp-∂-Xn\pw kIe Ah-Im-ihpw D≠m-

bn-cn-bv°p-∂-Xpw. BbXv FXbpw s]s´∂v hmbv] sImSpØ Bfn\v sImSpØp Xo¿t°-

≠-Xpw BIp-∂p. hmbv] sImSpØ Bƒ tcJm-aqew Adn-bn∏p sImSpØv Xncn-®-S-bvt°-

≠-Xmb _m≤yX t\m´o-kn¬ ]d-bp∂ Xoø-Xnbv°v Xncn-®-S-bv°-W-sa∂v hmbv] FSpØ

Bfns\ Adn-bn-t°-≠-Xp-am-Wv. hmbv] sImSpØ Bƒ tcJm-aqew Adn-bn∏p sImSpØv

hmbv] FSp-Ø-bmsf Xncn-®-S-hns‚ XoøXn Adn-bn-t°-≠-Xm-Wv.

15.2 GsX-¶nepw Imc-W-h-im¬ apS°w hcp∂ ]£w, hmbv] FSpØ Bƒ hmbv] hkvXp

hmbv] \¬Inb Bƒ°v hmßn-b-t∏m-gp-≠m-bn-cp∂ AtX Ah-ÿ-bn¬ At±lw \n¿t±-

in-bv°p∂ Ah-ÿ-bnepw \n¿t±-in-bv°-s∏-Sp∂ ]Im-chpw Xncn-t®¬∏n-bv°p-hm≥

Page 25: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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_m≤y-ÿ-\m-Wv. km[m-cW kml-N-cy-ß-fn-ep-≠m-Ip∂ \nmc t]md-ep-Ifpw a‰pw Hgn-

hm-°m-hp-∂-Xp-am-Wv. hmbv] FSpØ Bƒ bmsXmcp Imc-W-h-imepw ta¬ \S-]-S-In-

fn¬ \n∂pw hkvXp XncnsI ssIh-i-s∏-Sp-Øp∂ ]In-b-bn¬ \n∂pw hmbv] sImSpØ

Bfns\ XS--s∏-Sp-Øp-Itbm \ntcm-[n-bv°p-Itbm sNøp-hm≥ ]mSn-√m-Ø-Xp-am-Wv. Cu

kwK-Xnbv°v hmbv] hmßnb hy‡n DS-ºSn sNbvXv Xo¿®-s∏-Sp-Øn-bXpw BbXn\m¬

hmbv] sImSpØ Bfns‚ A[n-Im-c-s∏-Sp-Ønb Btfm, ]Xn-\n-[m\w sNøp∂ Btfm,

tPmen-°m-tcm, Hm^o-k¿am-tcm, GP‚p-amtcm \ntcm-[n-bv°-s∏-Sm-\m-hmØ hn[-amb

IS∂p sN√p-hm-\p≈ Ah-Im-ihpw IqSmsX AXn-\p≈ A[n-Im-chpw, As√-¶n¬ GXp

ka-bØpw hmbv] hmßnb Bfn\v bmsXmcp hn[ ap∂-dn-bn∏pw IqSmsX GXp

ÿeØpw ]cn-[n-bnepw ]th-in-bv°m-hp-∂Xpw BWv. hmbv] sImSpØ Bfn\v/ ÿm]-

\-Øn\v bYm-ÿm-\Øp \n∂pw AXn\p]bp-‡-amb hml\w As√-¶n¬ hln®p

sIm≠p t]mIm-hp∂ kma-Kn-IƒsIm≠p hmbv] hkvXp FSpØp sIm≠p t]mIp-hm-

\p≈ kIe Ah-Im-ihpw D≠m-bn-cn-°p-∂-Xm-Wv. Aßns\ hmbv] sImSpØ Bƒ/

ÿm]\w hmbv] hkvXp \o°w sNbvXp sIm≠p t]mIp∂ kml-Ncyw D≠m-bm¬

Bb-Xns‚ \o°w sNøp-∂-Xn-\p≈ kIe Nne-hp-Ifpw AXn-t\m-S-\p-_-‘n-®p-≠m-Ip∂

a‰p kIe Nne-hp-Ifpw kpc-£n-X-ambn kq£n-bv°p-∂-Xn\pw AXns‚ hn¬∏-\-bv°pw

D≠m-Ip-∂-Xp-amb kIe Nne-hp-Ifpw hmbv] FSpØ Bƒ hln-bvt°-≠-Xp-am-Wv.

Aßns\ hmbv] sImSpØ Bƒ/ ÿm]\w \nb-am-\p-kr-X-ambn ssIhiw hmbv]

hkvXp Gs‰-Sp-°p∂ ]£w, hmbv] sImSp-°p∂ Bƒ/ÿm]\w bmsXmcp hn[-Ønepw

BbXp aqew D≠m-Ip∂ IjvS-\-jvS-߃t°m \mi \jvS-߃t°m As√-¶n¬ tamj-

Ww, Xo, ag, sh≈-s∏m-°w, `qN\w, an∂¬, A]-ISw apX-e-bm-eh aqe-tam, A√m-

sXtbm D≠mImhp∂ ]IrXn Zpc-¥-߃ aqetam hmbv] hkvXn-hn-\p-≠m-Ip∂ IjvS-

\-jvS-߃°v DØ-c-hmZn Bbn-cn-°p-∂-X√.

15.3 hmbv] sImSp-°p∂ Bƒ°p≈ _m≤y-X-Iƒ GsX-¶n-eptam As√-¶n¬ ta¬∏-c™

GsX-¶nepw Imc-W-Øm¬ apS°w hcp-Øp-∂-Xm-bm¬ kIe Ah-Im-ihpw IqSmsX

hmbv] FSpØ Bƒ/IS°m-c≥ CXn-\m¬ d±p sNøp-hm≥ ]‰mØØ Xc-Øn¬ hmbv]

sImSpØ Bfn\v hmbv] hkvXp hn¬°p-hm-t\m, ssIam‰w sNøp-hm-t\m, s]mXp-hmb

tee-Øn¬ hn¬∏\ sNøp-hmt\m kzIm-cy-amb teew sNøp-hmt\m As√-¶n¬ Bhn-

[-amb kIe DNn-X-amb \S-Øn-∏p-Iƒ°pw \S-]-Sn-Ifpw ssIs°m≠v Xncn-®-Shp XpI

hmbv] IpSn-»n-I-°m-c-\n¬ \n∂pw CuSm-°p-hm-\p≈ kIe A[n-Im-chpw Du Icm-

dnse hyh-ÿ-Iƒ ]Imcw hmbv] sImSpØ Bfn\v \¬In-bn-cn-bv°p-∂p. hn¬∏\

\S-]-Sn-I-fn¬ \n∂pw Bh-iy-amb XpI CuSm-°p-hm≥ ]‰m-Ø-]£w, hmbv] FSpØ

Bƒ _m°n Xncn-®-Shp XpI AXn-\p-tijw hmbv] \¬Inb Bƒ°v sImSp-t°-≠-Xp-

am-Wv. GsX-¶nepw Imc-W-h-im¬ IqSp-X¬ XpI In´p-∂-Xm-bm¬ Xncn-®-Shp XpI-bn-

tebv°p hI hcp-Øn-b-Xn\p tijw _m°n XpI hmbv] FSpØ Bƒ°v hmbv]

sImSpØ Bƒ XncnsI \¬tI-≠-Xp-am-Wv. Cu Icm-dnse JWvUn-I-I-fnse hyh-ÿ-

Iƒ H∂pw Xs∂ hmbv] sImSpØ Bfns\ hbv] hkvXp hn¬∏\ \S-Øp-∂-Xn¬

\nt∂m hmbv] FSpØ Bƒt°m Pmay-°m-ct\m Pmay hyh-ÿ-Iƒs°-Xn-sc-bp≈

XpS¿ \S-]-Sn-Iƒ kzoI-cn-bv°p-∂-Xn¬ \n∂pw bmsXmcp hn[-amb hne°pw G¿s∏-Sp-

Øn-bn- n-√m-Øp-X-am-Wv.

15.4 hmbv] FSp-°p∂ Bfn\v bmsXmcp hn[-Øn-epw, \S-Ø-s∏-Sp∂ hn¬∏\ \S-]-Sn-I-fn-

ep-≠m-Ip∂ ÿnc-X-I-fnepw As√-¶n¬ tee \S-]-Sn-I-fntem As√-¶n¬ hmbv] sImSp-

°p∂ Bƒ \S-Øp∂ ]h¿Ø-\-ß-fn-tem bmsXmcp hn[ Ah-Im-i-hm-Ztam X¿°tam

D∂-bn-°p-hm≥ Ah-Imiw C√m-Xn-cn-°p-∂Xp amX-a√ hmbv] sImSpØ Bfn\v GsX-

Page 26: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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¶nepw Xc-Øn¬ ta¬ \S-]-Sn-Iƒ Snbmƒ \S-Ø-s∏-Sp-∂Xp aqew D≠m-Ip∂ IjvS-\-

jvS-ß-fn¬ DØ-c-hm-ZnXzw D≠m-bn-cn-bv°p-∂-X-√m-ØXpw As√-¶n¬ B hn[-Øn¬

D≠m-Ip∂ Fs¥-¶nepw ]hr-Øn-Itfm As√-¶n¬ GsX-¶nepw CS-\n-e-°m-c-s‚-tbm,

teew hnfn-s®-SpØ Bfn-s‚-tbm, As√-¶n¬ at‰-sX-¶nepw hy‡n-I-sf-tbm, ÿm]-\-

sØ-tbm, hmbv] sImSpØ Bƒ G¿∏m-Sm-°p∂ ]£w Ah-cpsS GsX-¶nepw Xc-

Øn-ep≈ hogvN-Iƒ°pw ]ng-hp-Iƒ°pw hmbv] sImSpØ Bƒ bmsXmcp hn[-Ønepw

DØ-c-hmZn Bbn-cn-°p-∂-X-√.

15.5 hmbv] sImSpØ Bƒ°v hmbv] FSpØ BfpsS ]°¬ \∂pw kI-e-hn[ Nne-hp-

Ifpw (F-√m-hn[ \nb-a-\-S-]-Sn-Iƒ°p≈ Nne-hp-I-fpw) A\p-_-‘n-®p-≠m-Ip-∂Xpw As√-

¶n¬ hmbv] sImSpØ Bƒ hmbv] hkvXp-hns\ kw_-‘n®v \S-Øp∂ kIe At\z-

jW/Xnc-®n¬, ssIhiw FSp-°¬, Kmtc-Pn¬ D≠m-Ip-∂-Xpw, C≥jp-d≥kv AS-bv°¬,

FSp-Øp-sIm≠p t]mIp-∂-Xn-\p-≈-Xv, hmbv] hkvXp hn¬∏\ \S-Øp-∂-Xnt\m GsX-

¶nepw \nba \S-]-Sn-Iƒ kzoI-cn-t°≠n h∂mtem As√-¶n¬ hmbv] sImSpØ Bƒ

Cu Icm-dnse hyh-ÿ-Iƒ \S-∏m-°p-hm≥ FSp-°p∂ \S-]-Sn-°p≈ Nne-hp-Iƒ apX-

em-bh hmbv] FSpØ Bfn¬ \n∂pw CuSm-°p-hm≥ kI-e-hn[ Ah-Im-i-ßepw

D≠m-bn-cn-bv°p-∂-Xm-Wv. Cu kwK-Xn-Iƒ ChnsS hy‡-am-°n-s°m-≈p-∂Xpw BbXv

Cu Icm-dn¬ ]d-bp∂ \nhr-Øn-Iƒ°v ]pdsa Icm-dn¬ ]kvXm-hn-®n-cn-bv°p∂ hyh-

ÿ-Iƒ°v bmsXmcp hn[-amb tIm´hpw \¬ImsX hmbv] sImSpØ Bfn\v Cu

Icm-dn¬ ]d-bp-∂-Xn≥ ]Im-ctam at‰-sX-¶nepw Icm-dn≥ ]Im-ctam \nb-a-Ømtem

]men-bv°-s∏-Sm-hp-∂-XmWv. Bb-Xn\v kI-e-hn[ Ah-Imi A[n-Im-c-ßfpw D≠m-bn-cn-

°p-∂-Xm-Wv.

15.6 Cu Icm-dnse hyh-ÿ-Isf _m[n-bv°mØ hn[w, hmbv] sImSpØ Bfn\v hmbv]

hkvXp XncnsI FSp-°p-∂-Xn-\pw, apgp-h-\mbn hmbv] ]n≥h-en-bv°p-Itbm/d±m-°p-Itbm

sNøm-Xn-cn-bv°p-∂-Xnt\m Ft∏m-sg-¶nepw hmbv] sImSpØ Bfns‚ aXw hnth-Nm-

\m-[n-Im-c-Øn¬, GsX-¶nepw Xncn-®-S-t°-≠-Xmb XpI hmbv] FSp-Ø-bm¬ XncnsI

AS-bv°msX hogvN hcp-Øn-bmtem AXpw As√-¶n¬ hmbv] hkvXp hmbv] hmßnb

Bƒ Pmay-Øn\v hn]-co-X-ambn a‰m¿s°-¶nepw ssIam‰w sNøp-I-tbm, sNøp∂

]£hpw As√-¶n¬ Xncn-®-S-t°-≠-Xmb XpI XncnsI \¬Ip∂ ]£hpw \S-]Sn FSp-

°p-hm≥ A[n-Imcw D≈-Xp-amWv

15.7 hmbv] sImSpØ Bƒ Bh-iy-s∏-Sp∂ apdbvt°m As√-¶n¬ Snbmƒ°v Bh-iy-ambn

hcp∂ ]£tam As√-¶n¬ Fs¥-¶nepw ]nghp kw`-hn-bv°p∂ ]£tam hmbv]

FSpØ Bƒ

15.7.1 FXbpw s]s´∂v hmbv] hkvXp hmbv] sImSpØ Bƒ°v bYm¿∞ ssIhiw sImSp-

°p-Itbm As√-¶n¬ hmbv] sImSpØ Bfns‚ \n¿t±-i-Øn-ep≈ Bƒt°m

GP‚nt\m (Af-hn-s\-bp≈ ]£w) sImSp-t°-≠-Xp-amWv

15.7.2 ssIam‰w hn´p-sIm-Sp-°¬ IqSmsX F√m cPn-kvtS-j≥ \S-]-Sn-Ifpw tcJ-s∏-Sp-Øn-

bpw, t]mfn-kn-Iƒ, k¿´n- n-°-‰p-Ifpw tcJ-Ifpw XpSßn hmbv] hkvXp-hns\ kw_-

‘n-®p≈ F√m hn[ ]am-W-ßfpw hmbv] sImSpØ Bfn-s\tbm At±lw \n¿t±-in-

°p∂ Bfn-s\-tbm, Snbm-fpsS GP‚n-s\tbm (A-ßn-s\-bp≈ ]£w) G¬]n-t°-≠-

Xm-Wv.

15.8 hmbv] sImSp-°p∂ Btfm Abm-fpsS GsX-¶nepw B^o-k¿amtcm GP‚p-amtcm As√-

¶n¬ \n¿t±-in-bv°-s∏-Sp-∂-htcm bmsXmcp Imc-W-h-imtem GsX-¶nepw \jvStam \mi-

Page 27: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 27 -

tam, Ime-l-c-Wtam As√-¶n¬ GsX-¶nepw hn[-Øn-ep≈ hmbv] hkvXp-hn-\p-≠m-

Ip∂ hne-bn-Sn-hn-t\m, As√-¶n¬ AXp-aqew D≠m-Ip∂ hmbv] hkvXp hmbv] \¬Ip∂

Bfns‚tbm Hm^o-k-dp-sStbm GP‚n-s‚tbm \n¿t±-in-°-s∏´ Bfp-sStbm ssIh-i-

Øn¬ Ccn-bv°p-tºmƒ D≠m-Ip∂ _m≤y-X-Iƒt°m As√-¶n¬ GsX-¶nepw \S-]Sn

Ia-߃ aqe-tam, A[n-Imc hn\n-tbm-K-Øm-tem, \nhrØn \S-Øn-∏n-tem, D≠m-Ip∂

]£w hmbv] hmßnb Bfns‚ mKØp \n∂p-≠m-Ip∂ AtX Ah-ÿ-bn-ep≈ hogvN-

bmbn IW-°m°n B hI \mi-\-jvS-߃°pw, hne-bn-Sn-hn\pw Xpey-amb XpI hmbv]

FSpØ Bfns‚ ]°¬ \n∂pw CuSm°n FSp-°m-hp-∂-Xp-am-Wv.

15.9 hmbv] sImSp-°p∂ Btfm, Abm-fpsS GP‚n-t\m, Hm^o-k¿ am¿t°m, \n¿t±-in-bv°-

s∏-Sp∂ Bfnt\m bmsXmcp hn[-_m-≤y-X-tbm, DØ-c-hm-Zn-Xztam C√m-ØXpw hmbv]

FSpØ Bƒ BbXv CXn-t\m-sSm∏w kΩ-Xn®v ta¬ kwK-Xnbv°v hmbv] sImSpØ

Bsf-tbm, GP‚n-s\-tbm, \ma-\n¿t±iw sNø-s∏´ Bfn-s\-tb, bmsXmcp hn[ \jvS-

Øn\pw \mi-Øn\pw Ime-l-c-W-Øn\pw DØ-c-hm-Zn-bm-°p-∂-X-√m-sb∂pw As√-¶n¬

GsX-¶nepw kma-Kn-Itfm hkvXp-°tfm BbXv hmbv] hkvXp-hn¬ D≈tXm \nt£-

]n-®n-´p-≈tXm hmbv] hkvXp ssIhiw Gs‰-Sp-°p-Itbm Is≠-Sp-°p-Itbm

sNøp∂Xmbmepw Aßns\ sNøp-∂-X-√-sb∂pw CXn-\m¬ kΩ-Xn®p sIm≈p-∂p.

16.0 CuSv/Pmayw

hmbv] sImSp-°p∂ Bƒ Bh-iy-s∏-Sp∂ ]£w hmbv] FSp-°p∂ hy‡n Ct∏m-

gp≈ Pmay-Øn\p D]-cn-bmbn aq∂mw ]m¿´n-bpsS IqSp-X-emb Pmayw BbXv hmbv]

sImSp-°p∂ Bfn\p IqSn kΩ-X-am-b-hn-[-Øn¬ A[nI CuSv hmbv] sImSp-°p∂

Bƒ Xøm-dm°nb ]tXy-I-amb t^md-Øn¬ \¬tI-≠-Xm-Wv.

17.0 ap≥Iq¿ Xncn-®-Shv

hmbv] FSp-°p∂ Bƒ c≠mw ]´nI-bn¬ ]d-bp∂ ]Imcw hmbv] ap≥Iq-dmbn hmbv]

Imem-h-[nbv°p ap≥]mbn XncnsI AS®p Xo¿°p-hm≥ BK-ln-bv°p∂ ]£w H∂mw

]´n-I-bn¬ ]Xn-]m-Zn-bv°p∂ ap≥Iq-dmbn AS-bv°p-∂-Xns‚ Nm¿Pp-Iƒ _m°n AS-

bvt°≠ XpIbv°p ta¬ IW-°m°n Sn XpI _m°n hmbv] XpIbv°p ]pd-ta-bmbn

HSp-t°-≠-Xp-amWv ap≥Iq¿ Xncn-®-Shv ]m_-ey-Øn¬ hcp∂ XoøXn XpI XncnsI AS-

bv°p∂ XoøXn aqXtem As√-¶n¬ sN°p-Iƒ ¢nb¿ sNbvX-Xn\p tijhpw amX-am-

bn-cn-bv°p-∂-Xm-Wv.

18.0 skIyq-cn-ss‰-tk-j≥

hmbv] FSpØ Bfpw Pmay-°m-c\pw hy‡-ambn a\-n-em-°p-Ibpw kzoI-cn-°p-Ibpw

sNbvXv hmbv] FSpØ Bƒ \ncp-]m-[nIw Ah-Imi A[n-Im-c-ßfpw DØ-c-hm-Zn-Xzhpw

hmbv] hkvXp hn¬°p-∂-Xn\pw ssIam‰w sNøp-∂-Xn\pw ssIh-i-s∏-Sp-Øp-∂-Xn\pw

D≈ A[n-Im-c-߃ apgp-h-\mtbm `mKo-I-amtbm hmbv] sImSpØ Bƒ°v kzoIm-cy-

amb hn[-Ønepw coXn-bnepw \S-Øp-∂-Xn\v Xocp-am\w FSp-°m-hp-∂-XmWv F∂pw Bb-

Xn¬ hmbv] sImSpØ Bfn\v hmbv] FSpØ Bfn-s\-Xn-cmtbm Pmay-°m-c-s\-Xn-cmtbm

hmbv] hkvXp hmßnb Bfns‚ t]cntem ssIam‰w sNbvX Bfns‚ \ne-bntem

ssIhiw Gs‰-SpØ Bfns‚ \ne-bn-tem, hmbv] FSpØ Bfn¬ \n∂pw ]ncn™p

Int -≠-Xmb XpIbv°v XpS¿ \S-]-Sn-Iƒ kzoI-cn-bv°p-∂-Xn\p As√-¶n¬ GsX-¶nepw

aq∂mw ]m¿´n hmbv] FSpØ Bfns\tbm Pmay-°m-c-t\tbm tcJm-aq-etam A√m-sXtbm

Adn-bn-°p-Itbm sNømsX G¿s∏-Sp-Øp-hm\pw A[n-Imcw D≠m-bm-cn-bv°p-∂-Xm-Wv.

Page 28: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 28 -

B hn[-Øn-ep-≈ \S-]-Sn-Ifpw AXn≥ ]Im-c-amb I®-hSw/hn¬∏-\, ssIh-i-s∏-Sp-

ج As√-¶n¬ ssIam‰w sNø¬ apX-em-bh hmbv] FSpØ Bfn\pw Pmay-°m-

c\pw Hcp t]mse _m[-I-am-bn-cn-°p-∂Xpw BbXv kΩ-Xn®v ta¬∏Sn aq∂mw ]m¿´nsb

hmbv] sImSpØ Bfmbn H‰-bv°mtbm hmbv] sImSpØ Bfn-t\m-Sp-Iq- mtbm As√-

¶n¬ hmbv] sImSpØ Bfns‚ kIe A[n-Imc Ah-Im-i-ßfpw D≈ Bfmbn XpS¿∂v

F√m A[n-Im-c-ßfpw aq∂mw ]m¿´nbv°p th≠n \SØn F√m _m≤y-X-Ifpw Xncn-®-

Shp XpIbpw aq∂mw ]m¿´nbv°p sImSp-°p-Itbm/hmbv] sImSpØ Bfnt\m sImSp-

°p-Itbm As√-¶n¬ hmbv] sImSpØ Bfns‚ \n¿t±i ]Im-ctam \S-tØ-≠-Xm-Wv.

hmbv] FSpØ Bfpw Pmay-°m-c\pw CXn-\m¬ kΩ-Xn®v aq∂mw ]m¿´n°v hmbv]

XpI Xncn-®-Shp Ign-®n- p≈ XpI GsX-¶nepw Imc-W-h-im¬ aq∂mw ]m¿´n°v Ah-

cpsS ]h¿Ø-\-ssien ssIam-dp∂ ]£w G¬]n®p sIm≈m-sa-∂v. aq∂mw ]m¿´nbv°v

hmbv] sImSpØ Bfns‚ AtX A[n-Imcw hmbv] XpI CuSm-°p-∂-Xn\p≠mbn-cn-

bv°p-∂-Xm-Wv.

19.0 hmbv] sImSp-°p∂ Bfn\v GP‚ns\ G¿∏m-Sm-°m-\p≈ Ah-Imiw

hmbv] FSpØ Bƒ CXn-\m¬ hy‡-ambn kΩ-Xn-bv°p-∂-XmWv hmbv] sImSpØ

Bfn\v Ah-cpsS Ah-Im-i-ßsf l\n-bv°msX As√-¶n¬ B^o-k¿am¿ apJm-¥n-

ctam tPmen-°m¿ apJm-¥n-ctam apgp-h-\mbn Ah-Im-i-s∏´ A[n-Im-chpw ]Z-hnbpw

Bfp-Isf aq∂mw ]m¿´n-bmbn hmbv] FSpØ Bfns‚ CjvS-]-Imcw \nb-an-°p-hm\pw

ssIams‰ sNøp-hm\pw Sn aq∂mw ]m¿´nsb kIe Ah-Im-ihpw A[n-Im-chpw G¬]n®v

hmbv] sImSpØ Bfn-\p-]-I-c-ambn KUp-°ƒ, ]en-i In´m-\p≈ a‰p XpI-Iƒ apX-em-

bh tiJ-cn-bv°p-∂-Xn\pw as‰-√m-hn[ \S-]-Sn-I-a-ßfpw A\p-_-‘-amb Imcy-ßfpw

As√-¶n¬ CXn¬ \n∂pw D¬`-hn-°p-∂-Xmb kwK-Xn-I-fpw, AXm-bXv In´m-\p≈

XpIbv°v t\m´okv \¬Ip-I, hmbv] FSpØ Bfns‚ hoSv, Hm^okv apX-emb CS-ß-

fn¬ t]mhpI As√-¶n¬ hmbv] FSpØ Bfns\ _‘-s∏-SpI As√-¶n¬ Xncn-®-

Shpw XpI kzoI-cn-bv°pI Dƒs∏-sS-bp≈ kwK-Xn-Iƒ apX-em-b-hbv°v A[n-Im-c-s∏-Sp-

Øp-∂-Xp-am-Wv.

20.0 X´n-In-gn-°epw IS-°m-c\v kzØp ssIhiw hbv°m-\p≈ Ah-Im-ihpw

20.1 Cu Icm-dnse hyh-ÿ-Isf _m[n-bv°m-sX, hmbv] sImSpØ Bfn\v hmbv] FSpØ

Bfn-s‚bpw Pmay-°m-c-s‚bpw F√m hkvXp-°-fnepw A[n-Imcw FSp-°m-hp-∂Xpw GsX-

¶nepw XpI-Iƒ Cfhp sImSp-°p-∂-Xn\pw A[n-Im-chpw Pmay-°m-cs‚bpw hmbv]

FSpØ Bfn-s‚bpw A°u-≠p-Iƒ hmbv] Xncn-®-Shpw XpI CuSm-°p-hm-\mbn _‘n-

∏n-°m\pw D≈ A[n-Imcw D≠m-bn-cn-°p-∂-Xm-Wv.

20.2 hmbv] FSpØ Bƒ CXn-\m¬ a\-n-em°n kΩ-Xn-bv°p-∂-XmWv GsX-¶nepw Imc-W-

h-im¬ hmbv] FSpØ Bƒ XhW Xncn-®-S-hn¬ hogvN hcp-Øp-I-tbm, Nm¿÷p-Iƒ

^okv apX-em-bh hogvN hpcp-Øp-I-tbm sNbvXm¬ Imem-h[n ]n≥h-en-bv°m-\p≈

Ah-Imiw Icm-dnse hyh-ÿ-Iƒ°v hyXymkw hcmsX Xs∂ hmbv] sImSpØ Bfn\v

XpI hmbv] FSpØ Bfns‚tbm Pmay-°m-c-s‚tbm A°u-≠n¬ hI hcp-Øp-hm-

\p≈ Ah-Im-ihpw Icm¿ ]Imcw apS°w hcp-Ønb XpIbv°v ta¬ D≠m-bn-cn-bv°p-

∂-Xm-Wv.

21.0 t\m´o-kp-Iƒ

21.1 hmbv] \¬Ip∂ ÿm]-\-Øns‚ Hm^o-k¿ H∏n´p FgpXn \¬Ip∂ Xncn-®-S-bvt°-≠-

Xmb XpI-bv°p-ff tcJ hmbv] FSp-°p∂ Bfn\pw Pmay-°m-c\pw FXn-cm-bn- p≈

Page 29: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 29 -

sXfn-hmbn IW-°m-°p-∂-Xm-Wv.

22.2 hmbv] FSp-°p∂ Bfn-s‚bpw Pmay-°m-cp-sSbpw ta¬ hnem-k-Øn¬ am‰w D≠m-Ip∂

]£w BbXv Hcm-gvN-bv°Iw hmbv] \¬Ip∂ ÿm]-\sØ Adn-bn-t°-≠-Xm-Wv. GsX-

¶nepw t\m´o-tkm, Fgp-Øp-Itfm As√-¶n¬ a‰p tcJ-Itfm hmbv] sImSp-°p∂ Bƒ

hmbv] FSpØ Bƒt°m Pmay-°m-ct\m Abvt°-≠Xv Icm-dn¬ ImWn-®n-cn-bv°p∂

ta¬hn-em-k-Ønepw As√-¶n¬ hmbv] FSpØ Bƒ/Pmay-°m-c≥ bYm-k-abw Adn-

bn-°p∂ AU-kntem th≠Xpw BbXv cPn-ÿ sNbvXv Ab-®-Xn\v 48 aWn-°q-dn\p

tijw hmbv] FSpØ Bƒ/Pmay-°m-c≥ ssI∏-‰n-b-Xmbn IW-°m-°p-∂-Xp-amWv

21.3 F√m Fgp-Øp-Ip-Øp-I-fnepw hmbv]-bpsS tIm¨SmIvSv \º¿ hmbv] FSpØ Bƒ/

Pmay-°m¿ tcJ-s∏-Sp-tØ-≠-Xm-Wv.

21.4 hmbv] ÿm]-Øn-te-°p≈ F√m Fgp-Øp-Ip-Øp-Ifpw Sn ÿm]-\-Øns‚ D≈-S-°-

Øn¬ ImWn-®n-cn-°p∂ Icm-dnse ]m¿´n-I-fpsS ta¬hn-em-k-Øn¬ ImWn-®n-cn-bv°p∂

ta¬hn-em-k-Øn¬ Abvt°-≠-Xp-am-Wv.

22.0 `mKn-I-amb Akm-[p-hm-°¬

At]-£-bn-tetbm Cu Icm-dn-setbm GsX-¶nepw hyh-ÿ-Itfm Bfp-Itfm As√-

¶n¬ kml-N-cy-ßtfm Akm-[p-hm-Ip-I-tbm, As√-¶n¬ GsX-¶nepw Imc-W-h-imtem

k¿°m¿ DØ-c-hp-I-fmtem \nb-]-c-ambn \S-∏n-em-°p-hm≥ Ign-bmsX hcn-Itbm sNøp∂

]£w Icm-dnse tijn-bv°p∂ hyh-ÿ-Iƒ°v Akm-[p-hmb hyh-ÿ-Iƒ _m[-I-a-

√m-Ø-Xn-\m¬ tijw hyh-ÿ-Iƒ km[p-hm-bn- p-≈Xpw apgp-h-\mbpw \nb-a-]-c-ambn

\S-∏nem°phm≥ Ign-bp-∂-Xp-am-Wv. GsX-¶nepw Akm-[p-hm-btXm \nb-a-]-c-ambn \S-

∏n-em-°p-hm≥ Ign-bm-ØtXm Bb Cu Icm-dnse hyh-ÿ-Iƒ°p ]Icw a‰p km[p-

hm-b, \nb-a-]-c-ambn \S-∏n-em-°m-hp∂ hyh-ÿ-Iƒ Icm-dnse \S-∏n-em-°p-hm≥ ]‰mØ

hyh-ÿ-Iƒ Dt±-in-®n-cp∂ LS-\bv°v A¿∞ hyXymkw hcmsX Icm-dnse ]m¿´n-I-

fpsS D`b kΩ-X-]-Imcw am‰nt®¿°p-∂-Xm-Ip-∂p.

23.0 \nb-aw, A[n-Im-c-]-cn-[n, HØp-Xo¿∏m-°¬

(1) F√m hyh-lm-c-ßfpw X¿°-ßfpw As√-¶n¬ Cu Icm-dn¿ \n∂p¬ -hn-bv°p-∂tXm

Icm-dns\ kw_-‘nt®m D≈ Fs¥-¶nepw Ahm-I-i-hm-Z-߃ Icm¿ Imem-h[nbntem

AXn-\p-ti-jtam D≠m-Ip∂ ]£w BbXv B¿_n-tS-j≥ B‚ v I¨ko-en-tb-j≥

BIv, 1996 se HØp Xo¿∏m-°¬ \S-]-Sn-Iƒ ]Imcw Xo¿∏p-I¬∏n-bv°p-∂Xpw As√-

¶n¬ GsX-¶nepw a‰p \nb-a-]-c-amb t`Z-K-Xn-Iƒ Ds≠-¶n¬ BbXpw hmbv] \¬Ip∂

Bfns‚ Xocp-am-\-Øn-ep≈ B¿_n-tS-‰-dpsS A¥n-a-amb Xocp-am-\-Øn\p hnt[-b-am-

bn-cn-°p-∂-Xp-am-Wv. B¿_n-tS-‰-dpsS Xocp-am\w (A-hm¿Uv) A¥n-a-am-bn-cn-°p-∂Xpw

Cu Icm-dn¬ ]d-b-s∏-Sp∂ hmbv] FSp-°p∂ Bfn\pw Pmay-°m¿°pw Hcp t]mse

_m[-I-hp-am-bn-cn-bv°p-∂-Xp-am-Wv.

(2) hmbv] FSp-°p∂ Bƒ hcp-Øp∂ XhW apS-°hpw (K-Up-°ƒ apS°w hcp-ج)

X¿°-ambn IW-°m°n Icm-dnse 14˛mw JWvU-Øn¬ ]Xn-]m-Zn-®n-cn-bv°p∂ ]Imcw

B¿_n-S¿°v hnSm-hp-∂Xpw Xo¿∏p-I¬∏n-bv°-s∏-Sp-∂Xpw BWv. CtXm-sSm-∏-ap≈ Icm-

dnse hyh-ÿ-]-Imcw \nb-an-°-s∏-Sp∂ B¿_n-tS-‰¿°v Fs¥-¶nepw imco-cn-I-amb

sshI-eytam As√-¶n¬ ac-W-s∏-Sp-Itbm sNøp∂ ]£w hmbv] sImSp-°p∂ ÿm]-

\-Øn\v as‰m-cmsf B¿_n-tS-‰-dmbn \nb-an-°p-hm≥ A¿l-X-bp-≠v. Aßns\ \nb-an-

°-s∏-Sp∂ B¿_n-tS-‰¿°v At±-l-Øns‚ ap≥Kman \n¿Øn-h-®n-cn-bv°p∂ `mKØp

Page 30: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

- 30 -

\n∂pw \S-]-Sn-Iƒ Bcw- n-bv°p-hm≥ A[n-Im-c-ap-≠m-bn-cn-bv°p-∂-Xp-am-Wv.

(3) HØp-Xo¿∏m-°¬/B¿_n-tS-j≥ \S-Ø-s∏-Sp-∂Xv sNss∂-bnepw Bbn-cn-°p-∂-XmWv

HØp-Xo¿∏m-°¬/B¿_n-tS-j≥ \S-]-Sn-Iƒ \S-Øp-s∏-Sp∂ mj Cw•ojv Bbn-cn-°p-

∂-XpamWv.

(4) Sn \S-]-Sn-Iƒ°mbn \nb-an-X-\mb B¿_n-tS-‰¿°v hmbv] A\p- bv°-s∏´ hkvXp-hnepw

hmbv] FSpØ Btfm Pmay-°mtcm CuSmbn \¬I-s∏´p/ Pmayw \¬I-s∏´ a‰p hkvXp-

°-fn¬ taepw Xo¿∏pI¬∏n-bv°p-hm≥ A[n-Im-c-h-Im-i-߃ D≠m-bn-cn-bv°p-∂-Xp-am-

Wv.

(5) hmbv] sImSp-°p∂ Bfn\pw hmbv]-ssI-∏-‰p∂ Bfn\pw D≈ F√m t\m´o-kp-Ifpw

Adn-bn-∏p-Ifpw Xmsg-∏-d-bp∂ ta¬hn-em-k-ß-fn¬ Bbn-cn-t°-≠-Xm-Wv.

hmbv]-sIm-Sp-°∂ Bƒ ˛ lnµpP sebvem‚ v ^n\m≥kv \w.1, k¿Zm¿ ]t´¬ tdmUv,

Kn≠n, sNss∂˛600 032, Xan-gv\m-Sv, C¥y

hmbv] FSp-°p∂ Bƒ ˛ ]´n-I-bn¬ ]Xn-]m-Zn-®n-cn-bv°p∂ hoSns‚ ta¬hn-emkw

As√-¶n¬ ]´n-I-bn¬ ]Xn-]m-Zn-®n-cn-bv°p∂ ÿe-Øns‚ AUv

24.0 samØw Icm¿

Cu Icmdpw (H∂pw c≠pw ]´n-I-Iƒ Dƒs∏-sS) hmbv] sImSp-°p∂ ÿm]-\-Øns‚

t]cn¬ hmbv] FSp-°p∂ Bƒ lmP-cm-°p∂ tcJ-Ifpw lmP-cm-°m-\p≈ tcJ-Ifpw

Icm-dnse ]Xn-]mZy kwK-Xn-bpsS samØ-amb Icm-dmbn IW-°m-°-s∏-Sp-∂p.

25.0 hmbv] sImSp-°p∂ Bfns‚ shfn-s∏-Sp-Ø-ep-Iƒ

Cu hmbv]-bpsS Bh-iy-Øn-te-bv°mbn hmbv] FSp-°p∂ Bfpw/Pmay-°mcpw hmbv]

sImSp-°p∂ Bf-n\p ssIam-dn-bn- p≈ hnh-c-߃ As√-¶n¬ Cu Icm-dn¬ D≈-Xm-

bh GsX-¶nepw hmbv] ÿm]-\-Ønt\m As√-¶n¬ hmbv] FSp-°p∂ Bƒ \n¿t±-

in-bv°-s∏-Sp∂ Bfnt\m ssIam-dp-∂-Xn\v bmsXmcp hntcm-[hpw Cs√∂v hmbv] FSp-

°p∂ Bfpw Pmay-°mcpw CXn-\m¬ kΩ-Xn-®p-sIm-≈p-Ibpw BbXv X¿°-hn-j-b-am-

°p-Itbm tNmZyw sNøp-Itbm sNøp-I-bn-s√∂pw CXn-\m¬ kΩ-Xn-bv°p-∂p.

26.0 Imem-h-[nbpw ]ncn-®p-hn-Sepw

Cu Icm-dns‚ Imem-h[n Cu Imc-dns‚ XoøXn apX¬ Bcw- n-bv°p-∂Xpw hmbv]

FSpØ Bƒ hmbv] IpSn-»nI/_m≤yX apgp-h≥ ]en-i, a‰p Icm-dn¬ \n¿Æ-bn-°-s∏-

Sp∂ Nm¿Pp-I¬ apgp-h-\mbn hmbv] sImSp-°p∂ Bf-C\p sImSpØp Xo¿°p∂

apdbv°v Xocp-∂-Xp-am-Wv.

27.0 ]e-hI

27.1 `mj

]m¿´n-Iƒ XΩn¬ F√m Fgp-Øp-Ip-Øp-Ifpw a‰p CS-]m-Sp-Ifpw Cw•o-jn¬ amXw Bbn-

cn-°p-∂-Xm-Wv.

27.2 t`Z-K-Xn-Iƒ

Icm-dnse hyh-ÿ-Iƒ°v am‰w hcp-Øp-Itbm t`Z-KXn hcp-Øp-Itbm sNøp-hm\v ]mSn-

Page 31: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn

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√m-ØXp-am-Wv. F∂m¬ JWvUnI 2 (2.3) ¬ ]Xn-]m-Zn-bv°p∂ ]eni \nc-°n¬ hcp∂

hyXn-bm-\-Ømtem JWvUnI 2 (2.11) ¬ ]Zn-]m-Zn-bv°p∂ XhW/KUp-°-fpsS Imem-

h[n ]p\¿\n¿W-bn-°-s∏-Sp-tºmtgm am‰w hcp-Øp-tºmtgm Icm-dnse hyh-ÿ-Iƒ°v

am‰w hcp-ØmsX hmbv] FSp-°p∂ Bfpw hmbv] FSpØ Bfpw FgpXn H∏n´p

\¬Ip∂ apdbv°v aqeyw D≠m-bn-cn-bv°p-∂-XmWv

27.3 \n£n-]vX-amb Ah-Im-i-߃

hmbv] sImSp-°p∂ Bƒ°v Ah-Im-i-s∏´ t]mwh-gn-Ifpw Cu Icm-dn¬ ]Xn-]m-Zn-®n-

cn-bv°p-∂tXm As√-¶n¬ GsX-¶nepw \nb-a-Øm¬ A\p-im-kn-°p-∂tXm, knhn¬,

F√m-h¿°p-_m-[-I-amb a‰p \nb-a-߃, coXn, D]-tbmKw tSUv apX-emb A[n-jvSn-X-

amb a‰p ]I-c-amb hyh-ÿ-I-fn-√m-Ø-]£w AXmXp kabw Imcy-£-a-ambpw \S-∏n-

em-t°-≠-Xm-Wv.

27.4 hmbv] Icm-dns‚ KpW-߃

Cu hmbv]-I-cm¿ Ccp-I-£n-Iƒ°pw Hcp-t]mse _m[-I-am-bn-cn-bv°p-∂Xpw Ccp Iq -cp-

sSbpw Ah-cpsS ]n≥Km-an-I-fp-sSbpw/]n≥ap-d-°m-cp-sSbpw/\S-Øn-∏p-Im-cp-sSbpw/Bb-

Xn¬ ]£w Ah-cp-sSbpw ]tbm-P\w e£y-an- p-≈-Xp-am-Wv.

27.5 GsX-¶nepw \n£n-]vX-amb Ah-Im-i-tam, t]mw hgn-Itfm A[n-Im-ctam hmbv] sImSp-

°p∂ Bƒ°v Cu Icm¿ ]Imcw kn≤n-®m¬ \S-∏n-em-°p-hm≥ Ime-Xm-akw hcp∂

]£tam \S-∏n-em-°p-hm≥ hn´p-t]m-hp-tImb sNøp∂ ]£w.....

27.6 hmbv] FSp-°p∂ Bfp-sSbpw Pmay-°m-cs‚ _m≤yX H∂mbpw Iq´mbpw D≈-Xm-Wv.

28.0 kzoIm-cyX

hmbv] FSp-°p∂ Bfpw Pmay-°m-c\pw Xmsg-∏-d-bp∂ Imcy߃ kΩ-Xn-®n-cn-bv°p-

∂p.

28.1 hmbv]-°m-c\pw Pmay-°m-c\pw Icm-dnse samØw hyh-ÿ-Iƒ hmbn®pw ]´n-I-bn¬

]d-™n-cn-bv°p∂ hnh-c-߃ F√mw Ah-cpsS km∂n-≤y-Øn¬ ]qcn-∏n-®n- p-≈-Xm-Wv.

Ccp-I-£n-Iƒ°pw Icm-dnse F√m hyh-ÿ-Iƒ°pw hnt[-b-am-bXpw _m≤y-X-bp-≈-

Xp-am-Wv.

28.2 Cu Icmdpw a‰p tcJ-Ifpw A\p-_‘ hyh-ÿ-Ifpw Ccp Iq´¿°pw Adn-bm-hp∂

`mj-bn¬ hmbn®p a\-n-em-°n-bn- p-≈Xpw Icm-dns‚ F√m hyh-ÿ-Ifpw ]´n-I-Ifpw

A¿∞ hym]vXnbpw a\-n-em-°n-bn- p-≈-Xp-am-Wv.

28.3 Ccp-Iq- cpw Cu Icm-dnse hyh-ÿ-Iƒ F√m hmbv] sImSp-°p∂ ÿm]-\-Ønse

A[n-Im-cs∏SpØnb DtZym-K-ÿ-߃ H∏p-h-bv°p∂ XoøXn apX¬ \nb-a-]-c-ambn

_m≤y-ÿ-cm-sW∂v CXn-\m¬ kΩ-Xn-®p-sIm-≈p-∂p.

Page 32: Hindhuja Lyland Finance · - 3 - hmbv] DS-ºSn Cu hmbv] DSºSn 2014 ˛ ˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛am≠v˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛amkw˛˛˛˛˛˛˛˛˛˛˛˛˛˛˛XoøXn