The DELHI PROTECTION OF INTERESTS OF DEPOSITORS (IN FINANCIAL ESTABLISHMENTS) ACT, 2001
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(To be published in Part IV of Dethi Gazette, Extraordinary ).
Government of National Capital Territory of Delhi Wepartment of Law, Justice & Legislative Affairs) C-Wing, 8" Level, Delhi Secretariat, I.P. Estate, New Delhi-110002.
No. F.14 (24/LA-2001/ 557 ESO Dated the PP pasty, 2001.
The following Act of Legislative Assembly of the National Capital Territory of
Delhi received the assent of the Lieutenant Governor, Delhi on the 20" July, 2001 and is
hereby published for general information ;-
THE DELHI PROTECTION OF INTERESTS OF DEPOSITORS (IN
FINANCIAL ESTABLISHMENTS) ACT, 2001
(Delhi Act No. 10 of 2001).
(As passed by the Legislative Assembly of the National Capital Territory of Delhi on the
3" April, 2001).
AN
ACT
{0 protect the interest of depositors (in Financial Establishments)
In the National Capital Territory of Dethi
BE it enacted by the Legislative Assembly of the
Delhi in the Fifly Second Year of the Republic of India as follows: ~
1. Short titleand (1) This Act may be called the Delhi Protection of Interests of
commencement. Depositors (in Financial Establishments) Act, 2001
(2) It shall come into force at once.
2. Definitions,
In this Act, unless the context otherwise requires,~
(a) “Assistant Collector” means an officer appointed as such
under the Delhi Land Revenue Act, 1954 (Act 12 of 1954);
(b) “Competent Authority" means the authority appointed under
section 5;
(c) “Delhi” means the National Capital Territory of Delhi;
(d) “deposit” includes
und shall be deemed always to have
included any receipt of money or acceptance of any valuable
commodity by any financial establishment to be returned after
a specified period or otherwise, either in cash or in kind or in
the form of a specified service with or without any benefit iv
the form of interest, bonus, profit or in any other form, but
does not include —
(i) amount raised by way of share capital or by way of
debenture, bond or any other instrument covered under the
guidelines given, and regulations made, by the SEBI,
established under the Securitics and Exchange Board of
India Act, 1992 (15 of 1992);
(ii) amounts contributed as capital by partners ofa firm; t
(iii) amounts received fiom a scheduled bank or a co-
operative bank or any other banking company as defined in |
clause (c) of section 5 of the Banking Regulation Act, 1949,
* (10 of 1949);
(iv) any amount received from--
(a) the Industrial Development Bank of India;
(b) a State Financial Corporation;
(c) any financial institution specified in or under
section 6 A of the Industrial Development Bank
of India Act, 1964(18 of 1964),
(d) any other institution that may be specified by the
Government in this behalf, ss
(v) amount received in the ordinary course of business by way
of--
(a) security deposit,
(b) dealership deposit;
(c) earnest money;
(d) advanced against order for goods or services;
(vi) any amount received from an individual or a firm or an
i association of individuals not being a body corporate,
registered under any cnactment relating to money lending
which is for the time being in force in Delhi;
(vii) any amount received by way of subscriptions in respect ofa
chit;
Explanation 1.-- "Chit" has the meaning as assigned to it in clause
(2) of section 2. of the Madras Chit Funds Act, 1961 (Madras Act 24
of 1961) as extended to the National Capital Territory of Delhi.
i Explanation II. -- Any credit given by aseller to a buyer on the sale
of any property (whether movable or-immovable) shall not be
3. Fraudulent
default by
Financial
Establishment.
deemed to be a deposit for the purposes of this clause;
(e) “Designated Court” means the Designated Court constituted
under section 10;
(f) "Financial establishment” means a person or a group ~of
persons accepting deposit under any scheme or arrangement
or in any other manner but does not include a corporation or a *
co-operative society owned or controlled by any State
Government or the Central Government or the Government of
any Union territory or a banking company as defined under
clause (c) of section 5 of the Banking Regulation Act, 1949
(10 of 1949);
(g) "Government" means the Government of the National Capital
Territory of Delhi;
(h) “Lieutenant Governor” means the Administrator of the
. National Capital Territory of Delhi appointed by the President
under article 239 AA of the Constitution.
Any financial establishment, which fraudulently defaults
any repayment of deposit on maturity along with any benefit in the
form of interest, bonus, profit or in any other form as promised or
fraudulently fails to render service as assured against the deposit,
every person including the promoter, partner, director, manager or
any other person or an cmployce responsible for the management of
or conducting of the business or affairs of such financial
establishments shall, on conviction, be punished with imprisonment
for a term which may extend to six years and with fine which may
extend to one lakh rupecs and such financial establishment shall
also be liable for a fine which may extend to one lakh rupees or
where such deposit is quantifiable in terms of money, twice the ~
amount involved in such default, whichever is more:
Provided that in the absence of special and adequate reasons
recorded in the judgement of the Court, the imprisonment shall not
be less than six months and the fine shall not be less than twenty
thousand rupees as against each individual and not less than one
lakh rupees against such financial establishment.
Explanation:--For the — purpe of this scction, a financial
establishment, which commits default in repayment of such deposit
with such benefits in the form of interest, bonus, profit or in any
other form S promised or fails to render any specified service
proinised against such deposit, or fails to render any specific
service agreed against the deposit with an intention of causing
wrongful gain o one person or wrongful loss to another person or
commits such ‘defaults duc to its inability arising out of
impracticable or commercially not viable promises made while
accepting such deposit or arising oul of deployment of money or
assets acquired out of the deposits in such a manner as it involves
inherent risk in recovering, the same when needed, shall be deemed
to have committed a default or failed to render the specific service,
fraudulently.
=
4. Attachment of (1) Government or the Deputy Commissioner of a revenue area of
properties on Delhi in their respective jurisdiction, suo-moto or on receipt of the
default of return complaints may cause investigation of a complaint or fraudulent
of deposits. transaction referred to in section 3. The Deputy Commissioner
shall forward his report to the Competent Authority appointed
under section 5 at the earliest.
(2) Notwithstanding anything contained in any other law for the
hk f time being in force--
(i) where, upon complaints received from the depositors, or
alisfied that any financial
otherwise, the Government is
| establishment has failed,--
(a) to return the deposit after maturity or on demand by
|
the depositor; or
(b) to pay interest or other assured benefit; or
ainst such deposit;
rvice promised
(c) to provide the s
or
as
ae
where the Government has reason to believe that any
financial establishment is acting in a manner
detrimental to the interest of the depositors, with an
intention to defraud them and if the Government is
satisfied that such finaricial establishment is not likely
to return the deposits or make payment of interest or
other benefits assured or to provide the services against -
which the deposit is received, the Government may-
in order to protect the interest of depositors of
such financial establishments, after recording
reasons in writing, issue an order by publishing it
in the official Gazette, attaching the money or
other property believed to have been acquired by
such financial establishment cither in its own
name or in the name of any other person from
out of the deposits collected by the financial
establishment; or
if it transpires that such money or other property
is not available for attachment or not sufficient
for repayment of the deposits, such other property
of the said financial establishment or the personal
assets of the promoter, director, partner, or
manager or member of the said financial
establishment, as the Government may think fit,
(3) On the publication of the order under sub-section (2), all-the
properties and assets of the financial establishment and the persons
mentioned therein shall forthwith vest in the Competent Authority .
appointed by the Government pending further order from the -
Designated Court.
5. Appointment (1) Government shall while issuing the order under sub-section 2)
of Competent of section 4, appoint any of its officers not below the rank of a
Authority. Group ‘A’ officer as the Competent Authority to exercise
control over the money and the properties attached ‘by’ the
i Government under section 4.
(2) The Competent Authority shall apply within forty five days
from the date of the publication of the said Order, to the
Designated Court, supported by one or more affidavits stating
» under section 4 and the amount of money or other property.
| the grounds on which the Government has issued the said order
| believed to have been acquired out of the deposits and the
details, if any, of persons in whose name such property is
|
| believed to have been invested or acquired or any other
|
.
| property attached under section 4, for such further orders as
|
| 5 found necessary.
| j as
|
RE
TET
i y
i
Sa
(3) ‘The Competent Authority may also make an application to any
Special Court or Designated Court or any other Judicial Forum
established or constituted or entrusted with the powers by any
‘other State Government or the Government of any Union
territory for adjudicating any issue or subject matter pertaining,
to money or property or assets of financial establishment under
any similar enactment and, where there is no such Designated
Court or any other Judicial Forum’ ia respect of money or
property or assets belonging to or ostensibly belonging to a
financial establishment or any person notified under this Act
situated within the territorial jurisdiction of that Designated
Court or any other judicial forum, as the case may be, for
passing appropriate orders to give effect to the provisions of
this Act.
6.Duties and (1) Without prejudice to the generalities of sub-section (1) of
power of the section 5, the Competent Authority may carry out the purpose of
Competent this Act.
Authority.
(2)(i) On receipt of order of appointment, the Competent
Authority shall take such necessary actions as_is necessary
or expedient for taking , physical possession of all the
monies, properties and asscls of the concerned financial
ee establishment expeditiously and the Competent Authority
.
shall have all the powers which are necessary for the
aforesaid purpose.
(ii) Without prejudice to the generality of the powers vested
under sub-clause (i) of this sub-section, the Competent
Authority shall be entitled to-
(a) require assistance of any police officer or any other
authority or person and on such requisition it shall be
the duty of the police officer or such other authority or
person to extend necessary assistance;
(b) open bank accounts in any scheduled commercial bank
and credit all monies realized and operate the bank
accounts while dealing with the money received in his
capacity as Competent Authority;
(c) require any person believed to be in possession of
financial establishment, to furnish necessary
5 ‘formation: to hand over possession of such assets to
the competent authority and such person shall Somat
with the requisition without any loss of time;
(d) appoint legal practitioner or chartered accountant or any
other person whose services are necessary for taking
possession of asscts and realization of the assets of the
financial establishment; ,
10
control over any moncy, property or assets of the
| | |
solace
aii
(e) sell, receive, transfer, endorse or otherwise deal with
any marketable security or negotiable instrument
belonging to or in the control of the financial
establishment and give propel discharge for the same,
() sell, transfer or otherwise realize any movable or
immovable property belonging to or in the control of
the financial establishment cither by public auction or
with the prior approval of the Designated Court by
private arrangements:
Provided that the perishable items of assets shall be
sold by public auction as soon as the Competent
Authority deems fit.
(g) make payment as per the orders passed by the
Designated Court from the bank accounts, and
(h) do all and every act and deed which would be necessary
for the speedy realization of the assets of the financial
establishments.
5 Explanation: - For the purpose of this section, the expression
“financial establishment" includes the directors, promoters,
mariagers or member of said establishment or any other person
whose property or assets have been attached under section 4.
7. Assessment of (1) Within sixty days from the date of appointment, the Competent
assets and deposit Authority shall assess the deposit linbilities and the assets of the S
liabilities: (nancial establishment and submit the statement thereof to the
ll
Designated Court.
(2) The Competent Authority thereafter shall issue a notice either,
individually or by means of effective media publication,
inviting the claims by secured cr editors, if any, and also the
depositors of the financial establishment, to submit their claims
with proper proof to establish the same.
(3) Every notice under sub-section (2) sent to or deemed to have
been effected to claimants shall state that, if the statement of
claim is not sent to the Competent Authority before the expiry
of the period of one month from the date of notice, the claims
shall not be treated as claim entitled to be paid nner the
provisions of this Act.
(4) Every Notice sent to a secured creditor shall require him to
value the security before the expiry of the period of one month
from the date of notice and such notice shall also state that if the
statement of the claim together with the valuation of the
security is not sent to the Competent ‘Authority, the Competent
Authority shall value the security and his valuation shall be
binding on such secured creditors.
as (5) If the claimant fails to comply with the notice as per sub-
12
section (4), such security shall be valued by the’ Competent
Authority in his best judgement.
8. Report by the Afier making a report as per section 7, the Competent Authority
Competent shall make an application to the Designated Court seeking
Authority. permission to make payment to the depositors from out of the
” oniey realized’. ‘While making such application, the Competent
Authority shall assess the liability to the depositors and the other
liabilities and in case the money realized or realizable is not
i sufficient to meet the entire liability, make a submission to the
Designated Court seeking permission for making payment to the
depositors and disburse the money as per the orders’ of the
Designated Court.
i
Pp
.
i
yg, Powers of the (1) The Designated Court shall have all the powers for giving
Designated Court i effect to the provisions of this Act.
regarding
:
realization of (2) Without prejudice to the generality of sub-section (1) the
assets and Designated Court may- 3
payment to (a) give any direction to the Competent Authority as it
depositors.
deems fit, for offective implementation of the provisions:
of this Act;
.
(b) approve the statement of dues of the financial
establishment due from various debtors, assessment of
the value of the assets of the financial establishment,
finalize the list of the depositors and their respective
dues;
(c) direct the Competent Authority to take possession of any
assets belonging to or in the control of the financial
i
% : establishment and sell, transfer OF realize the attached
assets either by public auction or by privale sale as he
deems fit depending upon the nature of assets and credit
i
the sale proceeds thereof to the bank accounts;
(a) approve the necessary expenditure to be incurred by the
Competent Authority for taking possession and
realization of the assets of the financial establishment.
(c) order for payment to the depositors by the Competent
Authority or order for proportionate payment to- the
depositors in the event of the-money so realized is not
sufficient to meet the entire deposit liability; and
(f) pass any order which the Designated Court deems fit for
realization of the assels of the financial establishment
and repayment to the depositors of the financial
establishment or on any matter or issue incidental
thereto.
Explanation:- For the purpose of this section, the expression
‘financial establishment’ includes | the directors, promoters,
managers or members of said establishment or any other person \ |
|
i whose property or assets have been attached under section 4.
ae
10. Designated (1) For the purpose of this Act, the Government may, with the
Court. concurrence of the Chief Justice of the Delhi High Court, by
notification in the official Gazette, constitute one or~more
Designated Courts in the Cadre of District and Sessions Judge
including Additional District and Sessions Judge for such area
or areas or for such cases oF group of cases, as may be
specified in the notification.
(2) No Court including the Court constiluted under the Presidency
Towns Insolvency Act, 1909 (3 of 1909) and the Provincial
Insolvency Act, 1920 (5 of 1920), other than the Designated
Court shall have jurisdiction in respect of any matter to which
the provisions of this Act is invoked.
(3) Any pending case in any other court in respect of which the
provisions of this Act is invoked, shall stand transferred to the
Designated Courts from the date of notification issued under
subsection (2) of section 4 of this Act.
11.Powers of (1) Upon receipt of an application under section 5, the Designated
\ Designated Court Court shall issue to the financial establishment or to any other
regarding person whose property is attached and vested in the Competent
j ae attachment. Authority by the Government under section 4, a notice
16
a6
accompanied by the application and affidavits and of the
evidence recorded, if any, calling upon the said establishment
and the said person to show cause on oF before a date to be
specified in the notice, why the order of attachment should not
be made absolute.
(2) The Designated Court shall also issue such notice to all other
persons. represented to it as having, or being likely to claim, any
interest or title in the property of the financial establishment or
the person to whom the notice is issued under sub-section (1),
calling upon all such persons to appear on the same date as
specified in the notice and make objection if they so desire to
the attachment of the property or any portion thereof, on the
ground that they have an interest in such property or portion
thereof.
(@) ‘Any person claiming an interest in the property attached or any
portion thereof may, notwithstanding that no notice has been
served upon him under this section, make an objection as
aforesaid to the Designated Court at any time on or before the
* specified date before an order is passed under sub-section (4)
or sub-section (6).
(4) The Designated Court shall if no cause is shown and no
7
(5)
(6)
objections are made on or before the specified date, under sub-
section (1), forthwith p;
an order making the order of
attachment absolute, and issue such direction as may be
necessary for realisation of the assets attached and for. the
equitable distribution amongst the depositors of the money
realised from and out of the property attached.
If cause is shown or any objection is made as aforesaid, the
Designated Court shall proceed to investigate the same, and in
so doing, as regards the examination of the parties and in all
other respects, the Designated Court shall, subject to the
provisions of this Act, follow the summary procedure as
contemplated under the Code ‘of Civil Procedure, 1908(5 of
1908) and exercise all the powers of a Court in hearing a suit
under the said Code. Any person making an objection shall be
required to adduce evidence to show that at the date of the
attachment he had some interest in the property attached.
After investigation under sub-section (5), the Designated Court
shall pass an order as carly as possible preferably within one
year of the reference of the case to it, either making the order
of attachment passed under sub-section (2) of section 4
absolute. or varying it by releasing « portion of the property
from attachment or canceling the order of attachment:
18
12.Attachment of
property of mala
fide transferees.
Provided that the Designated Court shall not release from
attachment any interest which it is satisficd that the financial
establishment or the person referred to in sub-section (1) has-in the
property unless it is also satisficd that there will remain under
attachment an amount or property of value not less than the. valie
that is required for re-payment to the depositors of such financial
establishment.
(7) Where an application is made by any person duly authorized or
constituted or specified by any other State Government or the
Government of any Union territory under similar enactment
empowering him to exercise control over any money or
property or assets attached by that State Government or the
Government of a Union territory, the Designated Court shall
exercise all its powers, as if, such an application were made
under this Act and pass appropriate order or direction on such
application so as to give effect to the provisions of such
enactment.
(1) Where the assets available for attachment of a financial
establishment or other person referred to in section 4 are found
to be less than the amount or value which such Financial
Establishment is required to repay to the depositors and where
19
{
the Designated Court is satisfied by affidavit or otherwise that
there is reasonable cause for believing that the said financial
establishment has transferred (whether after the
commencement of this Act) any of the property otherwise than
in good faith and for consideration, the Designated Court viv
by notice, require any transferee of such property (whether ‘or
not he received the property directly from the said financial
establishment) to appear on a date to be specified in the notice
and show cause why so much of the transferee's property as is
equivalent to the proper value of the property transferred
should not be attached.
Where the said transferee does not appear and show cause on
jon in the maimer
the specified date, or where after inves
provided in sub-section (5) of section 7, the Designated Court
is satisfied that the transfer of the property to the said
transferee was not in good faith and for consideration, the
Designated Court shall order the attachment of so much of the
said transferce's property as in the opinion of the Designated
Court is equivalent to the proper value of the property
transferred.
13.Seeurity in lieu Any financial establishment or person whose property has been or
a8 of attachment. is about to be attached under this Act may, al any time, apply to the
20,
Designated Court for permission to give security in lict of such
attachment and where the security offered and given is, in the
opinion of the Designated Court, satisfactory and sufficient, it may
cancel the order of attachment or, as the case may be refrain from
passing the order of attachment
14, The Designated Court may, on the application of any person
Administration of © interested in any properly attached and vested in the Competent
property Authority under this Act, and after giving the Competent Authority
| attached. an opportunity of being heard, make such orders as the Designated
i Court considers just and reasonable for --
2) providing fom such of the property attached and vested in
the Competent Authority as the applicant claims an
interest in such sums as may be reasonably necessary: for
the maintenance of the applicant and of his family, and for
| expenses connected with the defence of the applicant
where criminal proceedings have been instituted against
him in the Designated Court under section 33
may be practicable the interest of
(b) safeguarding so far
any business affected by the attachment and in particular,
}
} the interest of any partners in such business;
1i
! (¢) liabilities accruing to a financial establishment oF person
emanating out of proceedings before a Designated Court,
21
15.Appeal.
16.Special Public
Prosecutor.
17. Procedure
and powers of
Designated Court
regarding
offences
18. Act to
shall be discharged in the manner prescribed by the
Government out of the attached properties and assets in
respect of such financial establishments or person
referred to in section 4. ~
Any person including the Competent Authority, if aggrieved by an
order of the Designated Court, may appeal to the High Court within
sixty days from the date of order.
The Government shall, by notification, appoint an advocate of not
less than ten years standing at the Bar, as a Special Public
Prosecutor or Special Government pleader for the purpose of
conducting the case in the Designated Court.
(1) The Designated Court may take cognizance of the offence
Without the accused being committed to it for trial and, in
tying the accused person, shall follow the procedure
prescribed in the Code of Criminal Procedure, 1973 (2 of
SIONS CASCS
1974) for the tial of S
(2) The provisions of the Code of Criminal Procedure, 1973 (2 of
1974) shall, so far as may be, apply to the proceedings before a
Designated Court and for the purposes of the said provisions, a
Designated court shall be deemed to be a Court of Magistrate.
Save as otherwise provided in this Act, the provisions of this Act
override other
laws.
19. Protection of
action taken in
good faith
20. Power to
delegate.
21. Power to
make rules.
shall have effect notwithstanding, anything inconsistent therewith
contained in any other law for the time being in force or any custom?
or usage or any instrument having effect by virtue of any such law.
No suit or other proceedings shall lic against the Government or the
Competent Authority or an officer or employee of the Government
for anything, which is in good faith done or intended to be done
under this Act.
The Government may by notification in official Gazette, direct that
powers exercisable by it under the Act may also be exercised by
such officer as may be mentioned therein subject to such conditions
if any, as may be specified therein,
(1) The Government may by Notification in the official Gazette
make rules for carrying out all or any of the purposes of this
Act,
In particular and without prejudice to the generality of the
following power, such rules may provide for all or any of the
following matters, namely
a) all matters expressly required or allowed by this Act to be
prescribed;
b) the procedure for attachment of property on default of
return of deposit and terms and conditions, if any, required
for the purpose;
¢) the procedure for assessment of a
ts and deposit
23
liabilities by the Competent Authority,
4) the procedure for reporting to the Designated Court by the
Competent Authority;
¢) the manner in which the liabilities accruing to a financial
establishment or person cmanating out of the proceedings
before a Designated Court is to be discharged out of the
attached propertics and assets in respect of such financial
establishments oF persons;
f) the procedure for filing appeals by the Competent
Authority if aggrieved by an order of the Designated Courts
the maintenance of registers and books of accounts by the
we
financial establishments covered under this Act, the safe
custody of books, papers and documents in the office of the
Competent Authority and ‘also for destruction of such
books, papers and documents no longer required;
h) the auditing of the Balance Sheets and Profit and Loss
Accounts.
3. Every rule made by the Government under this Act shall be
laid as soon as may be after iti made before the House of the
slative Assembly while it is in session fora total period of
thirty days which may be comprised in one session or in two or
more su ions, and if, before the expiry of the
session immediately following, the session or the su
sessions aforesaid, the Legislative Assembly agrees in making
22. Power to
remove
difficulties.
25
any modification in the rule or the Legislative Assembly agrees
that the rule should not be made, the rule shall thereafter 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 validily of anything previously
done under that rule.
1) Ifany difficulty arises in giving effect to the provisions of this
Act, the Government may, by ‘order published in the
Gazette, do anything, not inconsistent with the provisions of
this Act, which appears to it to be ne ry to remove the
difficulty;
Provided that no such order shall be made after the expiry of
the period of two years from the date of commencement of this
Act.
very order made under this section shall, as soon as may be
afler it is made, be laid before the House of the Legislative
Assembly,
Under Secretary (Law & Jud
> R. MAH HW. Under Secretary, (Lan Govt, of Delhi (Law & Judi. De li. Deptt) ba pachivalaya,
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at aa anata vite sik faaaa ats afear 1992
(1992 a 15) & ania entra wasat ong. (Mat) are Re
ag aniféait site ware ag faraat & oni anPiet
ag -va, ae va or Ret wey wea wT FH Gere
we yst
fat ot Baer err Yo Hwa H gers at TE TAT;
fat squats dar ar awcnet dae Sar serene fara
afer, 1949 (1949 mT 10) HT unt Ss # as (a)
3 apn after Fa oa APRier are Bes aie;
frafattad @ wer arg af ft mfrea vet et
sida siteifires fear aay,
fert asa fra Fer;
anda ater fae dar aftiaa, 1964 (1964 wT
18) A arr 6 w A a sat anit fata alg facta
eM;
ang oer den at aan arr ga Afra fafaece at mE
Ra:
feafakae & aera arar a wet Ur
() aferyfer afar;
(a) fast afr;
(a) saat oT;
(a) He a tarsit B ons AA ae afte ee FY are,
(6) ut sur a a dale feet F cere ga fret
afuheer & aie voila fat cafes a fait at ar
frat a valet @ vit Praia Ren at 2, aret
uta;
(7) fat fae B dates F ater aH eT H ares alg usr;
easciaaen | — ‘fae’ ar aét orf hn Gt usta Usa Us
aa Ret a any at are sere fae ws after 1961 (AeRT
afefar i961 at 24) at RT 2 Bas (2) ¥ eae sel fear
art 21
eriern 2— fart weafe (ae wet ar staat Bt) aT
aaa a fader arr dar wt RA wa et BRE a ga as F
valor & fare war afar ae) ArT GEA
(3) ‘faféee sya’ a aed at 10 H anit afSa fee
varaa a 2;
(a) ‘fata earn’ & creed feat ate at ert BF eq a
feat aq ade a oar eier wet are feat afar a
cafaaat ase 8 3 afer Sa Us AAR AT Hs MR
cay adh aia asa eae aT STAT aT Sae weT Prafas HE
fat a asad Seed ar dara faery afer,
1949 (1949 wr 10) A arts Beas ow H aaraeonferat
afta weet anita aa Shi;
egreene” Bare TST TAUEN aa Ret aa a 2;
cgqasana” & wer wart B HPS 239 HF HH
zag ete career, oh sar ag ae arya wieraaray Iz
Ser a are wear sans, ava, ar a feet wate
até afar 23H wae Jae aA 8 at eT SH eae
3 fra dar ar sueanet Gas are fear en @ sa Var sy
arena val 2a, a wen aalea, ae ta facia
genat So vaer & fae freer a sad alan a rd
ara A aa S fae AER warts (shizz) BER,
Asfafe aa aw WW wears areas at ga a ato: at
an A aah, aftes rar went wen aR AAT, vit
wa ae aaa A ada, cera sre ae Bat Aer
area at gitar sft Sars waver 2 Vi way a wT Ta
ag aaa 2 ar Bah wa aT oT H wT A sieht oT Teva
2a 8a ae at afte ar got a aie Sar WE TT,
sat a ot ot afr a
Afea snared & froia F faar ait vata GR cot 7
Aue ah arrart safir wae Bae aH ABT VAT ike
fa cafes cit at afer 20 Ba S aA AAT BHA site VA
4. war ar vane + 2a A aa (1)
aot wy dafaal at aqait
fda enc & free 1 ara ead 8 wa el Sh
waie— ga ut F yar w fag a fade
war, vit aay fay ae ER sae, SA, AT HST
4 wae alee ar feet ora ee 4 aftr afsa Bt en at
amdt ¥ gen aeat 2 at sa wer & fey fate Jar ar
aad 2h tar aa gare eet or feet casa at aot
ant a frat aise ot dtoget at agart S eae Soe
& fag cen eta fafafece Gar vert aet weet ar Bit
orn eaten ad wr fare ay sreraerh ar cartier gfe
a aeaert aaet S arr wal 2 a 2, Sa aT a afta
en a sifaat @ sa var a Gora ae | HM, fra
Sa HaHa WER sa aye Het A smahifes wher
2, ae aed 2 das aaegda yer AMT oe a
fafaféee dar a 2 aat AT ae
aan a feet & fet wera aa A sage at ay
Satire 4 eaten a on fires grea BA uz, fBrearra at
aroun 3 9 ofeafaa aaeqde de at ore car
aaa 2, sage art RAE cen Brera aearsita ure 5
@ aetna Pasa wert sft at Aa
area ge faa sear faf ¥ A ag feat A aa aH
ATA -
wet waraciat @ ger firaraat # sree we ar sera
WAR ss ara a qs a fe als feta erat fama wt
a
(&) auaae Bet Bare at carat arr wT eT ae OAT
are Het
(a) SIs or oes ara aT 2H, aT
(ar) at ore Baar FH oer Rae aE seyAR Vat werT Ht
H same Tah
wel war Fe ae Beare wet ar oar Bt far alg face
eager seals a akan Fy aH gTe a werevatait H fear at
saat VEIT art aH A HPT He TE 2 gH aR ga ATT a
dae 8 fee Cat fate eager GAT SHY a aT Saar CAT TAT
ar SISA aA ST aT AST Bane ar ae Bare yerT
wet ae wet fred fre serearat @ wer area at ag A at
ward fate ermisit F wrist F fa HP ser |
fay fattaa ¥ ane eof at A are as aft at sea rahe at
fran fare ae fasara a ae Oat fata eat art att arr a
can fart ora cafes Barr a ga fetta erga ger wer at TE
sera afta at ad #, pat at an Tarra F arta wenifirea HT
waa, a
cafe a gar vel fer 8a aft a ea weafes al SB fore reer
wat 2 or oer aftr at gata at H fey water wet 2 at sat
fade earar at aer tat wars ar gag fete era #
verier, esar aaler at yaten ar aera A Pot aeafe tar
wan saa aa, al |e ae Ta
(3) gaunt (2) a anit area venfira ey x faeta eareat
ait Set srafaa alee Al eats sik aRaeafeei,
faféce area are gare sear BY aH aA are gar
warm wired & Paar H wait
aca unt 4 at sourt (2) & anit ante oe aa
ary oy fara BA siftreand at, at wae a! ay ferent
Ste aaa Ste aw at eh, um 4 eS
ania aR BRI has at ag eral sie weather Paar
ae & fae we wftrent & ea A Ages wet
wary pita, afta sneer By vena at cite S 45 fea
S se we or after wows dest a HET HOT
ait set ae sa aroit ar Seka Hea ray HU
ara 3 ont 4 # anit ares wae fear siz fas seer
Row ae fava art at are? fe ear a at
wate wrarcial A urea ver a sifeler at ag Bake ST
anfaaal Beak San fers arr ae ae wear Peas at Te
a afta atag aurea & aie or ser waa
fate rare BRI srasranaT TST OK sre seat
ae aah al ae
aery unftranrat oft fenet fate varrera ar Pfece marae aT
ft afaar & ate fade era at eae at
aeufe ar afaafeal a daltra rt qed or fasr ae aftr
Boia 2a a fare fat ora aor wear oT fat ga THT
aan grr waft a isa a mies ed fet sey
nates Ha at sider aon wel ga ofan a ear
YS an ae & fae aaa arte ott aet & fay
fafée =aarea wal 2 ar fet ercar at ar fat eae
at aa ar wats or ueateat a vec eT a se
(7)
zara at usaf or aah or oResateet a aaer ¥
apnfeafa até ffs =a or ats eues wel fet
wet #1
ar 5 at sae (1) at APM ara we ANS afta WATT
srt far wert wien ga afar a vats F fore
falas rel atm: -
fafaa A see wet eA we wert wilt Oh
aren ata aon at ae ware frie era at ait
emafra, wate ait anftaat at serie areata FY set
cat FAA A graven or aha a a were walter
@ aa ta wit wat eet wt gaa var & fae
raga B: -
ya sua #t sremt Ws (1) B anit vert At ae
cafaaat ait aprser oe wfsaget ware wre far wert Tle
mat
Prat yferr sffrant ar fare otra @ as werzat AF
ear Baan Sh sie VA Berea wT ae Ofer sefBeRT aT
ay 8S wand or cafes cr ae afaca eh fe ae se
rasa Berra 21
frat seqafaa afters dey FH vara alert ake rt
erat, at sat en aary sit day Garay Bey wT Se
eer gore Bir ea ae aes rae See A we a
aaa ae atarg az TT BI
frat at ¥ as fasaa a fe sah wat Fa saa
(@)
(s)
faa ¥ sa fade cava at ag ut afer, wae aT
suftrat 2 Sa8 serene we aT Ba snFea HT
were wired at dias ar eevee Bl ge Se aaT st
aa tary fae BA ai HL BT HEAT SAT!
fairs Qacere a aes varsete a ae sre aft
fagaa ae ar oenere orm fara Vary Ga fae eT
a staat at aed FAA sik cae HEA S fore Hawa
a
sa fasta career at or sad Prefaor H feet fart are
uff ar wears fers at ar, Wet HA, saa
ae, Yoira we ar sere aang Het aT ew BATT
sa fate earcar A ar sat Pear F ag wet aT aTaeT
een a arden Aart arr ar fee career a
qatar & Pet caer arr at, setts He aT
waren aes Het SI Sa SPT
Aaa aaa at svat wey av, BA A wert uelfrenret
shia aa, adatre Aearh err Far Gre
faféce rare grr afta area @ aqan aay anit t
START HY HT SHA BM
2a wh ari ak Gea aA an BHaN Bh wt Ge facia
sania at aftaat at gee aye fare sae weet
iia)
qactteaor— sa unt B valor fare feaetta cara’ wer H
anfra eugar ah fear, vacten vals a weer oT ag ort Var
(3)
cane wa a FA TE TAH eT TET
eee we Aiea wat Be AP SH aA PAT TTF
art wea fag oT ah!
geet 2 ater Se ar ww AT ae HT HET
2p ame ace Fran aver fap af a ae Fee ee
aa ata & yn HEM aT gaty ward at STS Wer
front a A Sot STAT A ST ava wT VS a AT
ren Fenn eer fhe a ares aE seat STH
geaya aren a AA a een ea H Seen Sa
hr ta Fr ae Sar ot adhe eH MAA A ST
ay ced afer ar ea any ste ge Tea Hae A fever
caer fap aE eR aor aor Ten wR A eT AAT
ifsendt at aa Ren Gar at ee lta eat Se
fans aor Aer Prefs at otk ae paTHT HINES
8.
warm onftrane gre feat
fifée <arnee at afeaat
saftaat At age Hey site
Sera at rat et
@ aa F
ant 7 & on Rae HA SH are Ber wa, ayer at Ws
afr ¥ serarcisit a aprart at a sepa airs ey Pafese
wares al aaer ao) tar ater aed aaa wart
wierd warrcist at & wt art ah om sik ser Baars
i T
Rute at sik afe age at wg ar age A SPY art aft
aaa a et & fay vals set # cerca ar TAT AST
@ fae see wid ae Aer aeiae at Ret ate ike
fie artes F seat S ser ute ar aaaet oT
(1) Affe =a & oe ga afar A aaah at any
at at eet afeaat een
(2) sour (1) ait arrea erat a ang gfeage were sre FAT
fafése saan
(a) wert wrt at ard ter Fea 2 ana 2 Ger ae ga
site & saul at aware any ast # fae
Saat ath
(@) 3a fata ered at tas ar faa aaant a oat
ufsay ar faa srpifta ae aha sa faite cara at
sieat or ae Raker ae aaa sit sTNtsi siz
Saat Baenait a TA a sifeer wr 2 wee
(1) er frei eonen a ar sere Fretaoneir Fae anfierit a
rad Fat a fry otk at eafeat at ardaiar Aart
art ar snfeaal a ease wal Raed By wrgae fees art ary,
Safte et or sae HET aa SH faa seer a tas aT
10.
Hae Her ar ee wary wilerenrd ate wa
sa facta zara at anferat at creat FY A sie geet
wet aan wifi art fey We ara aT at
apis ae waa
“mere Une BRT HATTA Ht TET Hey aT seaT e
aerar 2 ar afe ayer ah Ufa Ue eA Berar AY AT HLA ay
fay vai sat 2 at aarqaa F apart Hey ar state
aaa
dar as anes Ua ae BENT 2 aA Aafsse aera sa
fata eae a snfteat al aa Her aH fare sik Ge
fata ercar S serancistl A wer at BAKA aT
fay sfra ar saad waive fat age ar ae we Heat
cnet Sfaa erat
eacctaer— sa ur water “faite earn” sez FH sar
agar ar Prser, vader, van or weer ar a oer Rat
aifea wit ahr frat acta ar sntaar ar 4 F
anita ae ft ag
(1)
(2)
aa afar & wiser @ aan wera A afer F
ant Ret sea sare Byer =a st wexfs a
afta ¥ zen Poff 8 da ar Ast ar 8A arte ar
amal & at & fee states fore ar tart wares aT
far a fort wat See A va or aferen sara) aT
Tor at Bat 21
fafoe sora @ stated feed ame fear sft
nn. aal @ way A fie
sara ait aiferrat
()
1909 (1909 a 3) ai wale fearen afer 1920
(1920 a 5) @ seria enfte saree alee fret st
aaa at ze aia B soa B senf HPt are
armel & dau F afta aa ae erm
ae afore & soa F atest at are feet A arreal
a daftre frat ft eres F alae art ga sear at
unt 4 al sae (2) A dente ond afer at aka
a A Mite saareal 4 siafta art writ
URS @ sete swder Ht wifes we ae Pfs sara
facta eae Far feet sma cafes ant, fora erate at
al at oil a ait art 4 A seni aR ERT Wer
ultra & ore fea wate Bb aaa A ater aa
waa Tal ait aot fag ay areat, afe alg et, Bara Aiea
aa ait, fre sea earcar sik sau aafaa ge Aiea
W fafiidse cata al a gad ued ae era ANT
wigan fas gat al A areal) al oiler eal a AT GTI
afafie maar 8 et safesal al Ver afee i one
arom frat va fata earn at wate 4 ara, feet feat
al ea & fee sande fear at ar Her at Ara BY AT
Ba ales at Aiea wre ata fort Goer (1) B sri
alfea wet fear var et sa alee A at eae ant aie
3 Rie artes a tar AS re ah ata fie alk
ofa asad fait an at aqell aet a Se aatg arafa
Aad aa sur a ae aafe Het aw fay asa fee Saar
aa sofa at sad fea wer F fea 21
(4)
(s)
14
12. gaat staid at
wate at yet
(7)
sharia, Hrs: IA APIA AoA GH TES Hee
eae 67 BURT 4 Al STURT (2) & sini Gat F set
cigar akan groan ae at AT are aha HGS APT TT
fannie ae seat Raa ata ar EATS sea eH TE
oT!
cq we fh Paffee vararerr BA faa fa 2 aa wT
exer aa at re ae ae oT eT aT AF
facia congen-ar sour (1) 3 afar aaa aftrene
cater cA # aed Be sea ae AT aoe oar a Ph EAT
oat fat pera raha sar aT Fee RT A aT EY BT GH OT
fade eave & serercistt ah phar F fre
sratera ai
wet gad Fad —gRa sea FH steieT Ter AH aT
ar esa da A ween are after BTR waeragS ar aioe
a) afrane F AS @ fre trays HAA wraftae oTaeT
aga vee vat a AA Bat ore ee AA F
anita vega fara tat a sik W ater Hae TAPIA
saider a REN out ao aaa VA afPaT SB See
any, fae aa
cet rer 4 30 afi Fae eer a ea afer oA a
13.
14.
aah @ aed ¥ vay
ae at ae ants
aT FIR
aaa an vata sem 2 fr saa Reta ere a ae
site gfawet & fer weafe air cate rT area ae fear
2 (ae ga afte Boer ah Bare orate fear
Bi) set fee saree bat rahe (ae Set ae wa
saa fasta earn 3 Suh wear at 8 arvana) S
arated a atta snd ah Aiea F Pfsee arts at gar
wench 2 site spre aarait Fea aut ax ae @ fae eA
fae safe St eeu an soe en sat a ast Par
sie ait srafta wah Fo aps FH aera ah
(2) wet saa arafet Puffs fare at satter ait tate
saat aro ene aah RAT B, STAT Tet aT 7 Ht
sy-urt (5) ¥ fraifta far arqar vita He aH are
fifie =r sa ara a wage a fe saa arafeat st
get ar sae wena aan general aay fever wea at,
aei fife srr saa seat at wah a ae AAT
aah ay ar str 2 wad 2 at ae arafta waht Se
sia yer Bh aat sear ware BT
i AE Mere a ales Preah wafer at za soe FS
areata oat fran ora 2, fee aera F Rat ait S aac F
fafa 23 Fs fae fatto wae odes ax eT eae TET
fafice aera at wa ® ga ven @ wenlaer site wee vasa
aetna cen vata weet set 2, get mare Eat Tet
aa wae ae endl 2 sever wena Bat S smear aH ga HST
a fea w aad 21 .
fafée snare ga afta & anit aerr uiferend a Eat at
ag en fafea weafe 4 afr wart are aaet BH onder TT
zeny wie at grad ar geen 2A ah ae Peafafad F
16
‘a |
15.
16.
v.
fas ate aafatores
cafgat site srr
Sweaty H fate
wa 4 3 pda wt a eet 8 Rae ae afar atkExcerpt shown. Open the full act in Lexace.
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