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  `[Dj' vku J vij mnkj yBk
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`[Dj` vku mnkj yBkbv H Dn DLJ D[CǮ Dn yyl ov clJn Dnl. knR cl cU yBEkicOu mnkj DmllJ mbhv pF&u J pmll pml . 11,500 cO GhuyO nCN Jmu oKum `[Dj`k[ kcu . 1,50,000 Flk jkwkc YjJ uiCj. lcC ^yvumh{u k&Jn n vucC uCj Dmuv m# - hjJb kckpyyl DvYJ vmCN mnkj yBkbcOu mJkbv oJ lj kjlv mOh# pml cnvl IJ uiCj n vƽl. hjbl mO箳 mnkjlu DhjhkwJ vov b$Ch# ^yvum h& pml biu Dmun knR cl Dn.
mbhC& mnkj yBEki #$ u# uiv jnuu oJcO cbyF& G vu箳 mbhC& Kb[hv SkcKv mnkj yBkbcOu Lkl kp&JmuǮ oJ uJC SkcJ DOkj [. Dj. .u Dmu vku ou J mnkj yBEki #$Jju jp Mmv箳 vb$Cu DCK Sk pyjoml noj ymu. yyl h&Yc DM........
kW Mmvv ynjpdz mnkj mbmLbm mJlb$ Dm 2002 ko ku J l klu ljloRvmj cnj^cO vWoC Puu hjbl kubljv omN jpcO k&#$ J{Juv ynjpdz mnkj mbmL yvv `kWdz jpm^j` (Multi-state co-op. Bank) b DKljl iuu cnj^lu ynjpdz yBkbv (Central Registrar) cnj^ mnkj kvmj vc&C Puu Jmu b$C uY vkjCl Du. ll ynjpdz mnkj mbmLb mv 2002 vJv klu kuc 84 vmj mLhv kjJ uJo cb[U (Arbitration Boards) mLhv nCm GMj Puv cbyF& Lu McjJ Jru k-D@hjJn yBkv c.mj ium Jkwm& Dhu Lkl kp&ojJ [. Dj. .k[ Jmum oJ oKu ku. [. Dj. .v n oJ HUv uJlv Dm vC& ou k 1983 (Debt Recovery Law) kbli&l mLhv Puu vcb[Ubv (Tribunals) kJU kbhv kbli&l mLhv Puu yBkb Lkl kp&kjCb oJ uJC DOkj Dmv lb k&#$l mnkj yBkb oJ T Mkl vnl. vcb[U箳 vC&J yBkv vcb[U箳 cbyF& Lu Dhu yWh{ Dhu ku Dml lLn cJj lb Dhu HUu iu. MJ yBkv cbyF& G vul vC&J pvnl Ʈk oKu ku Dml cbyF& G vuv yBk ypv vku olv cKv 1993 Jmu klu `yBEki kbhv` JKcO mnkj yBkb mcJM nl Dm cnJhC& vku ou J lcU 1993 kvmj (Debt Recovery Law) mLhv Puu vcb[Ubv (Tribunals) mnkj yBkbcOu JmuǮ oJ uJC DOkj Dmu vku ou. vkucU GodYJuu hjmLlǮ Ho Il. mnkj yBkbcOu p Lkl kp&ojbJ mnkj klu kuc 91 J 101 Dbli&l JmuǮ oKu ou iu Dnl DLJ pb oJ mvJC m Dn DM Dvk Lkl kp&ojbv 1993 klu kuc 17, 18, 31 J 34 kucb DOj Il mnkj vubv J mnkj JYilu DOkNbv . 10 uK h{u jkc Lkl kp& oJ uJC DOkj vmu Yck J lM mboY&lu Dvk Ʈk cbyF& G vul oKu ku. DM mcj 62 Ʈkb Sk$l mvJC J vku oCm cbyF& G vu cK vcl\v mvcvvdz vOM . m.k. kwkj, vOM . [. k. oMcK J vOM . Sm. p. JpHoj b hC& Kb[h mLhv ku. Kb[hv c. vjW jlvuu Mn J mnvybOk, mnkj mbmL, cbyF& DC Flj (j hMv . 6079/2003) cK oJmn Flj 61 oJb mvJC hC& kv o. 12 [mWyj 2003 jp JjucC vku ou. c. G vumcj mJ&l cK Mv nl, l cnCp, yBkb Lkl kp& kp&Jmum mJlb$ vov b$C vc&C kjCm 1993 mJlb$ kvJ (Recovery of Debts due to Bank & Financial institution Act 1993) mLhv Puu vOkjC cb[U (Debt Recovery Tribunals) DmllJl Duvbljn mnkj yBkbv oKu kuu Lkl kp& JmuǮ oJ uJC DOkj cnj^ mnkj ko 1960 J ynjpdz mnkj ko 2002 Dbli&l mLhv Puu vu (courts) J v Ƭ DOkj hl Puu DOkj (Authority) bv Dn k? Mv Gj vkjLa olv DojCdz vuv Dhu 64 hv vkuh$l Dvk iR Jml=lhC Tnhn ku Dn. lcO cKv 1993 klu `yBEki kbhv` JKcO kJU kbhv kbli&l mLhv Puu yBkb mcJM v nl mnkj yBkbn mcJM nl, Dm vku ou. l yjyj Yjldz jpIv 246 kuclu jp箳 DKljlu hnu olu cbk 32 vmj `mnkj mbmL` n J< pj jp箳 DKljl l Dmu lj omN olu cbk 44 vmj p mbmLb G Skh# pml jpl hmju Dn DM mnkj mbmL c$ kW箳 DKljl l Dmuv J olu cbk 45 vmj yBEki n J< kW Mmv箳 DKljl l Dmuv yBEki kjCN mnkj mbmLbyyl vc kjC kW Mmvm DOkj Dmu vkuh$l vco ku Dn. Dhu vkuh$l lbv Dmn vco ku Dn k, mnkj mbmL n jp箳 DKljlu J yBEki n kW箳 DKljlu J< Dmu, lj yBEki JJmlu DlJMk DM Jmu JYim p hl kW mjkj mJlb$ ko J b$C vc&C kjl vn l hl mnkj kcO DM b$C vc&C kjC hC& DOkj jp Mmvm Dn. hjbl pJU kW mjkj DM kj ko kjl, lJU jp Mmvv mnkj kcO mbybO kuu mJ& ljlo DhDh j nlu.
1993 cO DM kj ko Duvblj l klu kuc 17 vmj kKu mLhv Puu ^yvumv Dm DOkj ol Dmlv kuc 18 vmj Flj vubv Dm oJ uJCm ybo J kuc 31 vmj Flj k&mcj ubyl Dmuu JmuǮ oJ ^yvumk[ nmlblj kjC J kuc 34 vmj Flj klu mbybOǮ ljloRv [JuC箳 (Overriding effect) ljlo, n 1993 k JM nl. Dhu yJcO jp Mmvv c. vu voM&vm DCv ou k, 1993 ko kjl Dmlv l箳 k&#$lv mnkj yBkbv JiUC kW Mmv GM nl. DvL kvblj cbpj Puu 2002 ynjpdz mbmLb klu kuc 84 cO kW Mmvv yBkbcOu Lkl kpx Jmum uJo cb[U mLhC ljlo kuǮ vml. lm mkwjPMv箳 kcOu kuc 2 (C)(V) cO o. 28.1.2003 jp Sk mJlb$ vHkMv k{v lcO mnkj yBkb mcJM mJlb$hC ku vml. hjbl jp Mmv n yJ c. vuv cv ku vn. mbhC& vkuh$ Jv kjl Dmlv cPmjK mnkjlu k&klm kn cbJj Kum cUu vn. l cnCp, 1993 klu kuc 31 cO ``kCln k&mcj ubyl Dmuu oJ`` ^yvumk[ nmlblj kjCyyl GuuK Dmv lcO mnkj kvmj vov DOkj hl Puu DOkNbmcj (Authority) ubyl Dmuu oJ ^yvumk[ nmlblj kjCyyl GuuK vn. kuccO ubyl oJb GuuK kjlv kJU vu (Court) Dm GuuK Dmv DOkj (Authority) b GuuK pCvypv Uu Dn. klu kuc 18 cO c$ ^yvum mLhv Puu oJmbhmv (o. 6.7.1999) kCln k&u J D@L@ju Dm oJ uJC DOkj vmu vco ku Dn. mnkj klu kuc 101 Ƭ n vuv Ƭ vmuv Dbli&l ou iuu Jmu oKu J mnkj vul Dhun kjl l vn. oKuJ kJU kuc 14 Dbli&l mn. vybOk op& omN DOkNbmcj jJnpv Dp& kjl l. lm cnj^ mnkj klu kuc 91 vmj n Jo J< vmuv 101 cOu kjJF&u kuc 95 Dbli&l mLiln cU Mkl vn. DL& 1993 ko pj mnkj yBkbv ui ku lj l klu kuc 31 vmj kJU mnkj klu kuc 91 DvJ mnkj vubh{u . 10 uKbJju ubyl oJ ^yvumk[ nmlbljl nlu J kuc 101 mcju oJ n vumcju oJ vmuv l c$ nmlbljl nCj vnl.
c. vuh{ yJ h#v n c cb[u vn. lm Yjldz Ivlu kuc 246 cOu omN olu cbk 45 vmj `yBEki` n J< kW箳 DKljl Dmu lj yBEki jiuMv D@kw 1949 cO yBEki Myo JK Dlbl c&ol Dn. lm yBEki jiuMv D@kw쮳 kuc 6 cO ouu yBEki yPvmcO kp&JmuǮ Ƭ kCln GuuK vn. hjbl ouu nk& yj DmmSMv箳 oJcO mc k&v ouu vku h$lu hjso 14 nJu ol c. vuv kp&Jmun yBEki JJm DJYp Yi Dmu vco kjl lmbybO ko kjC DOkj kWu Dmu vco ku Dn. vck n vk< uJv mnkj mbmL mYmok[v l箳 LkykǮ Jmu J lyyl ko kjC DOkj jp Mmvu Dn, Dm cvum mnkj yBkbv ^yvum J mnkj vu onW h& GhuyO nT Mkl. k ypvn Jj nC DJMk Dn. c. G vuv Dhu vkuh$cO Yjldz Iv kuc 246 cOu omN olu kuc 44 DOj Il p mnkj mbmLb G Skh# pml jpl Dn DM箳b yyll ko kjC DOkj kW Mmvu Dmu vco ku Dn. DL& 1993 ko yBEki JJm ynjpdz mnkj mbmLbv ui nl Dm cvJ uiu.
mbybOl vku mnkj yBkbv H Dn DLJ D[CǮ Dn yyl ov clJn Dnl. knR cl cU yBEkicOu mnkj DmllJ mbhv pF&u J pmll pml . 11500 cO GhuyO nCN Jmu oKum [. Dj. .k[ kcu . 1,50,000 Flk jkwkc YjJ uiCj. n jkwkc pj kp&ojk[v IJ Dmu lj jPJn& yBk vJv hjh$kvmj phl kp&ojk[v DM jkwkc l# Jmu nl vn lhl l jkwkc vH-l h$kl oKJJ uiCj Dmuv l hjCc yBkb vHwJj nCj, lm mO ^yvum Dhj mbK hnl oJb vkumn GMj uiCj. lcC ^yvumh{u k&Jn n vucC uCj Dmuv m# - hjJb kckpyyl DvYJ vmCN mnkj yBkbcOu mJkbv oJ lj kjlv mOh# pml cnvl IJ uiCj n vƽl. hjbl mO箳 mnkjlu DhjhkwJ vov b$Ch# ^yvum h& pml biu Dmun knR cl Dn. ^yvum箳 mO箳 DhN mbKu Gj cnCv mnkj yBkbm mJlb$ ^yvum mLhv kjCmbybOǮ ciCn h{ l Dn. vkuh$vmj mnkj yBkbv n ko o. 6.7.1999 hmv, cnCp ^yvum mLhv Puhmv ui Pu Dm cvum 6.7.1999 vblj vku vIuu J lvmj Jmu oKu DbcuypJC Puu kmm k, n Mv Dvjl jnl.
pj n ko kjl Dmlv llv mnkj yBkbv JiUC kW Mmv KjKj GM Dmu lj Dpn kW Mmv vml Sk mJlb$ vHkMvj klv mnkj yBkbv JiUn Mkl. klu Myojv km k{l ymCh# n ci& pml i Dmuv jpkdz mljJj v lv nCn Mkwl Dn. Skbojl Dic kUl J<Jj mbhC& mnkj yBEki #$ {JUv vICj n vƽl.
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