LexThe Uttarakhand protection of interest of depositors (in financial establishment) Act
Uttarakhand · state statute
Open in Lexace · Ask the AI about this actdze la[;k& 16 iathd`r la[;k&Mh0,u0@&30@03
¼ykblsUl Vw iksLV fonkmV izhisesUV½
ljdkjh xtV] mÙkjkapy
mÙkjkapy ljdkj }kjk izdkf”kr
vlk/kkj.k
fo/kk;h ifjf”k’V
Hkkx&1] [k.M ¼d½
¼mÙkjkapy vf/kfu;e½
nsgjknwu] c`gLifrokj 27 tuojh] 2005 bZ0
ek?k 07] 1926 “kd lEor~
mÙkjkapy “kklu
fo/kk;h ,oa lalnh; dk;Z foHkkx
la[;k 419@fo/kk;h ,oa lalnh; dk;Z@2005
nsgjknwu] 27 tuojh] 2005
vf/klwpuk
fofo/k
**Hkkjr dk lafo/kku** ds vuqPNsn 200 ds v/khu jkT;iky egksn; us mRrjkapy fo/kk u lHkk }kjk
ikfjr mRrjkapy fu{ksid ¼ tekdrkZ½ fgr laj{k.k ¼ foRrh; vf/k ’Bkuksa esa ½ fo/ks;d] 2005 dks fnukad
27&01&2005 dks vuqefr iznku dh vkSj og mRrajkpy vf/kfu;e la[;k 09 o’kZ 2005 ds :i esa
loZ&lk/kkj.k dh lwpukFkZ bl vf/klwpuk }kjk izdkf”kr fd;k tkrk gSA
mRrjk[k.M fu{skid ¼tekdrkZ½ fgr laj{k.k ¼foRrh; vf/k’Bkuksa esa½ vf/kfu;e] 2005
¿mRrjk[k.M vf/kfu;e la[;k 09] o’kZ 2005À
mRrjk[k.M jkT; esa foRrh; vf/k’Bkuksa esa fu{ksidksa ¼tekdrkZvksa½ ds fgrksa dh laj{kk ds fy,
vf/kfu;e
Hkkjr x.kjkT; ds ipiuosa o’kZ esa mRrjk[k.M jkT; dh fo/kku lHkk }kjk fuEuor~ vf/kfu;fer%&
Lkaf{kIr uke] foLrkj
,oa izkjEHk
1- ¼1½ Hkkjr x.kjkT; ds ipiuosa o’kZ esa vf/kfu;fer ;g vf/kfu;e mRrj k[k.M fu{ksid
¼tekdrkZ½ fgr laj{k.k ¼foRrh; vf/k’Bkuksa esa½ vf/kfu;e] 2005 dgyk,xkA
¼2½ bldk foLrkj lEiw.kZ mRrjk[k.M esa gksxkA
¼3½ ;g ljdkjh xtV esa vf/klwfpr gksus ds fnukad ls izo`Rr gqvk le>k tk;sxkA
IkfjHkk’kk,a 2- ;fn lanHkZ esa vU;Fkk visf{kr u gks rks bl vf/kfu;e esa&&
¼d½ ^^lgk;d dyDVj izFke Js.kh** dk rkRi;Z m0iz0 Hkw&jkTkLo vf/kfu; e] 1901 ¼o’kZ 1901
dk vf/kfu;e la0 3½] mRrjk[k.M esa ;Fkk izo`Rr ds v/khu fu;qDr vf/kdkjh ls gS(
¼[k½ ^^l{ke izkf/kdkjh** dk rkRi;Z /kkjk 5 ds v/khu fu;qDr izkf/kdkjh ls gS(
¼x½ ^^fu{ksi** esa ,slh fdlh /kujkf”k dh izkfIr ;k fdlh foRrh; vf/k’Bku }kjk fdlh cgqewY;
oLrq dk Lohdj.k lfEefyr gS vFkok lnSo lfEefyr gqvk le>k tk ;sxk] ftls
fofufnZ’V vof/k ds ckn ;k vU;Fkk udn ;k oLrq vFkok fofufnZ’V lsok ds :Ik esa
C;kt] cksul] ykHk ;k fdlh vU; izdkj ds Qk;ns ds lkFk ;k mlds fcuk okfil fd;k
tkuk gS] fdUrq blesa fuEufyf[kr dk lekos”k ugha gS%&
¼1½ va”kiwath] _.k&i= ¼fMcSapj ckaM½ ;k Hkkjrh; izfrHkwfr ,oa fofue; cksMZ vf/kfu;e]
1992 ¼o’kZ 1992 dk vf/kfu;e la0 15½ d s v/khu LFkkfir Hkkjrh; izfrHkwfr ,oa
fofue; cksMZ }kjk fn, x, ekxZfunZs”kksa vkSj cuk, x;s fof;eksa esa l fEefyr dksbZ
vU; fy[kr ds :i esa tqVkbZ x;h /kujkf”kA
¼2½ fdlh QeZ ds Hkkxhnkjksa }kjk iwath ds :i esa nh xbZ /kujkf”k;kaA
¼3½ cSafdax fofu;ferhdj.k vf/kfu;e] 1949 ¼o’kZ 1949 dk vf/kfu;e la[;k 10½ dh
/kkjk 5 ds [k.M ¼x½ esa ifjHkkf’kr fdlh vuqlwfpr cSad ;k lgdkjh cSad ;k dksbZ
vU; cSafdax dEiuh ls izkIr /kujkf”k;kaA
¼4½ fuEufyf[kr ls izkIr dksbZ /kujkf”k%&&&
¼d½ Hkkjrh; vkS|ksfxd fodkl cSad]
¼[k½ dEiuh vf/kfu;e] 1956 ¼o’kZ 1956 vf/kfu;e la[;k 1½ esa ;k /kkjk 4 d esa
fofufnZ’V dksbZ vU; foRrh; laLFkk] vFkok
¼x½ dksbZ vU; laLFkk ftls bl fufeRr ljdkj }kjk fofufnZ’V fd;k tk,(
¼5½ lkekU; dk;Z lapkyu ds nkSjku&&&
¼d½ izfrHkwfr tek]
¼[k½ O;ogkjh }kjk tek]
¼x½ vfxze /ku] rFkk
¼?k½ lkeku ;k lsok ds vkns”k ds cnys vfxze ds :i esa izkIr /kujkf”k(
¼6½ rRle; jkT; esa izo`Rr lkgwdkjh lEcU/kh fdlh vf/kfu;e ds v/khu iathd`r
O;fDr;ksa ds fdlh la?k ;k QeZ vFkok O;fDr ls izkIr dksbZ /kujkf”k(
¼7½ fpV ds lEcU/k esa va”knku ds :i esa izkIr dksbZ /kujkf”kA
Li’Vhdj.k&1& ^^fpV** dk rkRi;Z fpV Q.M ,DV] 1982 ¼o’kZ 1982 vf/kfu;e la [;k 40½
dh /kkjk 2 ds [k.M ¼x½ esa leuqnsf”kr vFkZ ls gSA
Li’Vhdj.k&2& fdlh lEifRr ¼py vFkok vpy½ dh fcdzh ij fdlh fodzsrk }kjk fdlh
dzsrk dks fn;k x;k dksbZ m/kkj bl [k.M ds iz;kstuksa ds fy, fu{ksi ugha
le>k tk,xk(
¼?k½ ^^vfHkfgr U;k;ky;** dk rkRi;Z /kkjk 10 ds v/khu xfBr vfHkfgr U;k;ky; ls gS(
¼³½ ^^foRrh; vf/k’Bku** dk rkRi;Z fdlh ,sls O;fDr ;k O;fDr;ksa ds lewg ls gS] ftlesa QeZ
vFkok dEiuh lfEefyr gS] tks fdlh ;kstuk ;k O;oLFkk ds v/khu ;k fdlh vU; jhfr
ls fu{ksi Loh dkj djrs gSa fdUrq blesa cSafdx f ofu;ferhdj.k vf/kfu;e] 1949 ¼o’kZ
1949 dk vf/kfu;e la[;k 10½ dh /kkjk 5 ds [k.M ¼x½ esa ifjHkkf’kr dksbZ fuxe ;k
fdlh jkT; ljdkj ;k dsUnz ljdkj ds LokfeRo vFkok fu;a=.kk/khu dksbZ lgdkj h
lfefr ;k cSafdax dEiuh lfEefyr ugha gS(
¼p½ ^^ljdkj** dk rkRi;Z mRRkjk[k.M ljdkj ls gSA
foRrh; vf/k’Bku }kjk
diViw.kZ O;frdze
3- ;fn dksbZ foRrh; vf/k’Bku fu{ksi dh ifjiDork ij C;kt] cksul] ykHk ;k fdl h
vU; :i esa opukuqlkj Qk;ns ds lkFk fu{ksi dk izfr lank; djus esa diViw.kZ
O;frdze djrk gS ;k ;Fkkvk”oklu fu{ ksi ds cnys lsok iznku djus esa vlQy gksrk
gS rks laizorZd] Hkkxhnkj] funs”kd] izcU/ kd lfgr izR;sd O;fDr ;k ,sls foR rh;
vf/k’Bku ds izcU /ku ;k dkjckj ;k dk;Z lapkyu ds fy, mRrjnk;h fdlh vU;
O;fDr ;k deZpkjh dks nks’k fl) gksus ij dkjkokl] ftldh vof/k N% o’kZ rd gks
ldrh gS] dk n.M fn;k tk,xk vkSj ml ij tqekZuk] ftldh lhek ,d yk[k :i;s
rd gks ldrh gS] fd;k tk ldrk gS rFkk ,slk foRrh; vf/k’Bku tqekZuk nsus dk
Hkh ftEesnkj gksxk tk s ikap yk[k :i;s dh lerqY; jkf”k rd gks ldrk gS ;k tgka
,sls fu{ksi dk ifjek.k /k ujkf”k ds :i esa O;Dr fd;k tk ldrk gS] ogka ,sls
O;frdze esa varfuZfgr /kujkf”k dk nqxquk] buesa tks Hkh vf/kd gks] tqekZuk nsus dk
ftEesnkj gksxk %
ijUrq micU/k ;g gS fd U;k;ky; ds fu.kZ; esa vfHkfyf[kr fo”ks’k vkSj i;kZIr
dkj.k ds vHkko esa dkjkokl rhu o’kZ ls de ugha gksxk vkSj tqekZuk izR;sd O;fDr ds
lkis{k chl gtkj :i;s ls de ugha gksxk vkS j ,sls foRrh; vf/k’Bku ds lkis{k ,d
yk[k :i;s ls de ugha gksxkA
Li’Vhdj.k& bl /kkjk ds iz;kstu gsrq dksbZ foRrh; vf/k’Bku tks C;kt] cksul] ykHk ;k
fdlh vU; :i esa opukuqlkj Qk;ns ds lkFk ,sls fu{ksi dk izfr lank; djus esa
diViw.kZ O;frdze djrk gS ;k ;Fkk opu ,sls fu{ksi dks cnys fofufnZ’V lsok
iznku djus esa vlQy gksrk gS ;k fu{ksi ds cnys djkj dh xbZ fofufnZ’V lsok bl
vk”k; ls iznku djus esa vlQy gksrk gS] ftl ls ,d O;fDr dks lnks’k vfHkykHk
gksrk gS vkSj nwljs dks lnks’k gkfu ;k fu{ksi Lohdkj djrs le; vlk/; vFkok
O;kikfjd n`f’V ls vO;kogkfjd opu fn, tkus ;k fu{ksiksa ls vftZr /ku ;k
ifjlEifRr;ksa dks bl jhfr ls vfHkfu;ksftr djus ds dkj.k ftlesa vko”;drk iM+us ij
mldh olwyh esa varfuZfgr tksf[ke gks] mRiUu vleFkZrk ds dkj.k ,slk O;frdze djrk
gS] rks le>k tk,xk fd mlus diViw.kZ O;frdze fd;k gS ;k diViw.kZ <ax ls fofufnZ’V
lsok iznku djus esa vlQy jgk gSA
fu{ksiksa dks ykSVkus esa
O;frdze ij
lEifRr;ksa dh dqdhZ
4- ¼1½ ljdkj ;k ftyk eftLVsªV viuh&viuh vf/kdkfjrk esa Loeso ;k f”kdk;r izkIr gksus
ij /kkjk 3 esa fofufnZ’V diViw.kZ laO;ogkj dh f”kdk;r dk vUos’k.k dj ldrs gSaA
ftyk eftLVªsV f”kdk;r ds lkFk viuh fjiksVZ “kh?kz rk”kh?kz ljdkj dks vxzlkfjr
djsxkA
¼2½ rRle; izo`Rr fdlh vU; fof/k esa fdlh ckr ds gksrs gq, Hkh&&
¼,d½ tgka fu{ksidksa ls vFkok vU;Fkk f”kdk;r izkIr gksus ij ljdkj dk lek/kku gks
tkrk gS fd dksbZ foRrh; vf/k’Bku&&
¼d½ ifjiDork ds i”pkr~ ;k fu{ksidksa }kjk ekaxs tkus ij fu{ksi ykSVkus] ;k
¼[k½ C;kt ;k vU; Qk;ns] ftudk vk”oklu fn;k x;k Fkk] ds Hkqxrku djus] ;k
¼x½ ,sls fu{ksi ds cnys lsok iznku djus esa vlQy jgrk gS];k
¼nks½ tgka ljdkj ds ikl ;g fo”okl djus dk dkj.k gS fd dksbZ foRrh; vf/k’Bku
fu{ksiksa dks /kks[kk nsus ds vk”k; ls lqfopkfjr jhfr ls dk;Z dj jgk gS] tks muds
fy, vfgrdj gksxk] ;k
¼rhu½ tgka ljdkj dk lek/kku gks tkrk gS fd ,sls foRrh; vf/k’Bku }kjk fu{ksiksa dks
ykSVkus ;k C;kt ;k vU; Qk;ns ftudk vk”oklu fn;k x;k Fkk] ds Hkqxrku
;k mu lsokvksa dks iznku djus dh lEHkkouk ugha gS] ft uds cnys fu{ksi
Lohdkj fd;k x;k rks ljdkj ,sls foRrh; vf/k’Bkuksa ds fu{ksidksa ds fgrksa
dh laj{kk ds fy, fyf[kr :i esa dkj.k vfHkfyf[kr djus ds i”pkr~ ljdkjh
xtV esa izdkf”kr dj /ku ;k lEifRr dh] tks fo”okl fd;k tkrk gS fd
foRrh; vf/k’Bku }kjk laxzg fd, x, fu{ksiksa ls vius uke ;k fdlh vU; O;fDr
ds uke ls vf/kxzghr dh xbZ gS ; k tgka ;g ekywe gks tk, fd ,slk /ku ;k
vU; lEifRr dqdhZ ds fy, miyC/k ugha gS ;k fu{ksiksa dk izfrlank; djus ds
fy, i;kZIr ugha gS rks mDr foRrh; vf/k’Bku dh ,slh] vU; lEifRr ; k ,sls
foRrh; vf/k’Bkuksa ds laizorZdksa] Hkkxhnkjksa] funs” kdksa] izcU/kdk sa ;k lnL;ksa ;k
fdlh vU; O;fDr dh futh ifjlEifRr;ksa dh dqdhZ ds vkns”k tkjh djsxhA
¼3½ mi/kkjk ¼2½ ds v/khu bl vkns”k d s izdkf”kr gksus ij vfHkfgr U;k;ky; ls vxzsrj
vkns”k izkIr gksus rd ml foRrh; vf/k’Bku rFkk mlesa mfYyf[kr O;fDr;ksa dh leLr
lEifRr;ka vkSj ifjlEifRr;ka rRdky ljdkj }kjk fu;qDr l{ke izkf/kdkjh esa fufgr gks
tk,xhA
Lk{ke izkf/kdkjh dh
fu;qfDr
5- ¼1½ ljdkj }kjk /kkjk 4 ds v/khu dqdZ fd, /ku vkSj lEifRr ij fu;a=.k j[kus ds fy,
vius vf/kdkfj;ksa esa ls fdlh vf/kdkjh dks ftldk in lgk;d ftykf/kdkjh] iz Fke
Js.kh ls fuEu Lrj dk ugha gksxk vFkok fdlh izFke Js.kh vf/kdkjh dks] l{ke izkf/kdkjh
fu;qDr fd;k tk,xkA
¼2½ mDr vkns”k ds izdkf”kr gksus ds iUnzg fnu ds vUnj vfHkfg r U;k;ky; ls vxzsrj
vkns”kksa] tSlk vfHkfgr U;k;ky; vko”;d le>s] ds fy, l{ke izkf/kdkjh vkosnu
izLrqr djsxk ftlds lkFk ,d ;k vf/kd “kiFk&i= layXu djsxk( ftuesa mu dkj.kksa
dk ftuds vk/kkj ij ljdkj }kjk /kkjk 4 ds v/khu mDr vkns”k tkjh fd;k x;k gS
vkSj /kujkf”k ;k vU; lEifRr ftls fo”okl fd;k tkrk gS] fu{ksiksa ls vftZr dh xbZ gS
rFkk mu O;fDr;ksa dk] ;fn dksbZ gksa] dk C;kSjk ftuds uke ,slh lEifRr ds fufgr ;k
vftZr fd, tkus dk fo”okl fd;k tkrk gS ;k /kkjk 4 ds v/khu dqdZ dh xbZ dksbZ
vU; lEifRr dk vko”;d mYys[k gksxkA
¼3½ l{ke izkf/kdkjh] fo”ks’k U;k;ky; ;k vfHkfgr U;k;ky; ;k vU; fdlh U;kf;d eap ;Fkk
fLFkfr dh izknsf”kd vf/kdkfjrk ds vUnj fLFkr fdl h foRrh; vf/k’Bku ;k bl
vf/kfu;e ds v/khu vf/klwfpr fdl h O;fDr dh ;k n`”;r% mlds /ku] lEifRr ;k
ifjlEifRr;ksa ls lEcfU/kr fdlh fookn ;k fo’k; oLrq ds lEcU/k esa U;k; fu.kZ;u gsrq
fdlh leku vf/kfu;e ds v/khu ftls fdlh vU; jkT; ljdkj }kjk LFkkfir ;k xfBr
;k “kfDr;ka lkSaih xbZ gksa] bl vf/kfu;e ds izkfo/kkuksa ds izorZu gsrq leqfpr vkns”k
ikfjr djus ds fy, fo”ks’k U;k;ky; ;k vfHkfgr U;k;ky; ;k vU; ,sls U;kf;d eap
dks Hkh ,d vkosnu izLrqr djsxkA
Lk{ke izkf/kdkjh ds
drZO; ,oa ”kfDr;ka
6- ¼1½ /kkjk 5 dh mi/kkjk ¼1½ dh O;kidrk ij izfrdwy izHkko Mkys fcuk l{ke izkf/kdkjh bl
vf/kfu;e ds iz;kstu dk ikyu djsxk(
¼2½ ¼,d½ fu;qfDr vkns”k izkIr gksus ij l[ke izkf/kdkjh lEcfU/kr foRrh; vf/k’Bku dh
leLr /kujkf”k;ksa vkSj ifjlEifRr;ksa dk “kh?kzrk ls oL rqxr dCtk ysus ds fy,
tSlk og vko”;d vkSj lehphu le>s] vko”;d dk;Zokfg;ka dj ldsxk vkSj
mi;qZDr iz;kstu ds fy, l{ke izkf/kdkjh dks lEiw.kZ “kfDr;ka izkIr gksaxhA
¼nks½ [k.M ¼1½ ds v/khu fufgr “kfDr;ksa dh O;kidrk ij izfrdwy izHkko Mkys fcuk
l{ke izkf/kdkjh dks fuEufyf[kr vf/kdkj gksaxs&&
¼d½ fdlh iqfyl izkf/kdkjh ;k fdlh vU; izkf/kdkjh ;k vf/kdkjh ls lgk;rk dh
ekax djuk vkSj ,s lh ekax ij iqfyl izkf/kdkjh ;k fdlh ,sls vU; izkf/kdkjh
;k O;fDr dk drZO; gksxk fd og vko”;d lgk;rk iznku djs(
¼[k½ vuqlwfpr O;kikfjd cSad esa [kkrk [ksys vkSj lowy dh xbZ leLr /kujkf”k;ka
tek djsa rFkk l{ke vf/kdkjh dh gSfl;r ls izkIr /kujkf”k dk laO;ogk j
djrs le; cSad [kkrksa dk lapkyu djsa(
¼x½ fdlh O;fDr ls ftlds dCts ;k fu;a=.k esa foRrh; vf/k’Bku dh dksbZ /kujkf”k
;k ifjlEifRr ds gksus dk fo”okl fd;k tkrk gS] vko”;d lwpuk iznku djus
vkSj ,slh ifjlEifRr;ksa dk dCtk l{ke izkf/kdkjh dks lkSaius dh eka x djuk
rFkk ,sls O;fDr dks ,slh ekax dk vfoyEc vuqikyu djuk gksxk(
¼?k½ ,sls fof/k O;ol;kh ;k pkVZMZ ,dkmUVsaV ;k fdlh vU; O;fDr dks fu;qDr
djuk ftldh lsok,a foRrh; vf/k’Bku dh ifjlEifRr;ksa dk dCtk ysus vkSj
ifjlEifRr;ksa dh olwyh ds fy, vko”;d gks(
¼³½ foRrh; vf/k’Bku dh ;k mlds fu;a=.kk/khu fdlh fcdzh ;ksX; izfrHkwfr ;k
ijkdzE; fy[kr dk fodz;] gLrkUrj.k] i`’Bkadu] ijkdze.k ;k vU;Fkk
laO;ogkj djuk rFkk mldk leqfpr :i ls mUekspu djuk(
¼p½ foRrh; vf/k’Bku dh ;k mlds fu;a=.k k/khu fdlh py ;k vpy lEifRr dh
lkoZtfud uhykeh ;k vfHkfgr U;k;ky; ds iwokZuqeksnu ls futh O;oLFkk }kjk
fodz;] gLrkUrj.k ;k vU;Fkk laO;ogkj djuk %
ijUrq micU/k ;g gS fd ifjlEifRr;ksa dh uk”koku ensa ;Fkk”kh?kz] tSlk
fd l{ke izkf/kdkjh mfpr le>s] lkoZtfud uhykeh }kjk csp nh tk,axh(
¼N½ vfHkfgr U;k;ky; }kjk ikfjr vkns”kksa ds vuqlkj cSad [kkrksa ls Hkqxrku djuk(
¼t½ ,slk izR;sd vkSj leLr dk;Zokgh vkSj dk;Z djuk tks foRrh; vf/k’Bku dh
ifjlEifRr;ksa dh “kh?kzr;k olwyh ds fy, vko”;d gksA
Li’Vhdj.k& bl /kkjk ds iz;kstu gsrq ^^foRrh; vf/k’ Bku** okD;ka”k esa mDr vf/k’Bku ds
funs”kd] laizoZrd] izcU/kd ;k lnL; vFkok ,sls vU; O;fDRk dk lekos”k gS
ftldh lEifRr ;k ifjlEifRr;ka /kkjk 4 ds v/khu dqdZ dh xbZ gSaA
-----------------------------------------------
1¿6d ¼1½ izR;sd foRrh; vf/k’Bku bl vf/kfu;e ds izkjEHk ij vFkok mlds i”pkr mRrjk[k.M
jkT; esa viuk O;kikj izkjEHk ;k lapkfyr dj jgk gks] ,sls O;kikj dks lapkfyr djus o
mlds izkf/kdkjh ds lEca/k esa fooj.k mfYyf[kr djrs gq, jkT; esa foRrh; vf/k’Bku vkSj
mldh eq[; “kk[kk dk;kZy; dh fLFkfr tgk a og LFkkfir gS] ;fn dksbZ gks] jkT; esa foRrh;
vf/k’Bku ds O;kikj ;k ekeyksa ds lapkyu gsrq izca/ku ds fy, mRrnk;h izR;sd O;fDr ds
LFkkbZ irs vkSj ,sls vU; fooj.k tSlk fofgr fd;k tk;] ftyk dysDVj rFkk ftys ds
iqfyl v/kh{kd dks fjiksVZ izLrqr djsxkA
¼2½ ,slh fjiksVZ jkT; esa foRrh; vf/k’Bku ds vius O;kikj dks lapkfyr djus ;k
izkjEHk djus ij lkr fnu ds Hkhrj izLrqr dh tk;sxh(
ijUrq ;g fd dksbZ foRrh; vf/k’Bku tks bl vf/kfu;e ds izkjEHk ls iwoZ ,sls
O;kikj dks lapkfyr dj jgk gS] ,slh fjiksVZ ,sls izkjEHk dh rkjh[k ls lkr fnu ds Hkhrj
izLrqr djsxkA
¼3½ izR;sd foRrh; vf/k’Bku vius O;kikj vkSj foRrh; fLFkfr] mlds fofuos”k dk {ks=
vkSj jkT; ds Hkhrj rFkk ckgj fd, x, /ku ds fofuos”k dh fLFkfr rFkk ,sls vU; fooj.k
tSlk fofgr fd;k tk;] fdlh fo Rrh; o’kZ ds izR;sd =Sekl dh lekfIr ij ,d ekg ds
Hkhrj =Sekfld fooj.k ftyk dySDVj vkSj ftys ds iqfyl v/kh{kd dks miyC/k djk;sxkA
¼4½ tks dksbZ bl /kkjk ds mica/kksa dk mYya?ku djsxk og vFkZn.M ls tks ds ipkl
gtkj :i;s rd dk gks ldsxk] n.Muh; gksxkAÀ
ifjlEifRr;ksa vkSj
fu{ksi ns;rkvksa dk
fu/kkZj.k
7- ¼1½ l{ke izkf/kdkjh fu;qfDr dh frfFk ds rhl fnu ds vUnj foRrh; vf/k’Bku dh
ifjlEifRr;ksa vkSj fu{ksi lEcU/kh ns;rkvksa dk fu/kkZj.k djsxk vkSj mudk fooj.k
vfHkfgr U;k;ky; dks izLrqr djsxkA
¼2½ rRi”pkr~ l{ke vf/kdkjh O;fDrxr :i ls ;k izHkkoh ek/;eksa esa izdkf”kr dj uksfVl
tkjh djsxk vkSj izfrHkwr ysunkjksa ls] ;fn dksbZ gksa] rFkk foRrh; vf/k’Bku ds fu{ksidksa
ls Hkh nkos vkeaf=r djsxk vkSj vius lk{; fo) djus ds fy, leqfpr izek.k lfgr
nkos izLrqr djus ds fy, vkeaf=r djsxkA
¼3½ mi/kkjk ¼2½ ds v/khu izR;sd uksfVl esa tks nkosnk jksa dks Hkstk x;k gks ;k dk;ZfU or
fd;k x;k le>k tk,] bl ckr dk mYys[k gksxk fd ;fn uksfVl ds fnukad ls ,d
ekg dh lekfIr ls iwoZ l{ke izkf/kdkjh dks nkos dk fooj.k ugha Hkstk x;k rks nkok dks
bl vf/kfu;e ds izkfo/kkuksa ds v/khu Hkqxrku dk gdnkj nkok ugha ekuk tk;sxkA
¼4½ izfrHkwr ysunkj dks Hksts x, izR;sd uksfVl }kjk ;g visf{kr gksxk fd uksfVl ds
fnukad ls ,d ekg dh vof/k dh lekfIr ls iwoZ og izfrHkwfr dk ewY;kadu dj ys vkSj
,sls uksfVl esa ;g Hkh mYys[k fd;k tk,xk fd ;fn izfrHkwfr dk ewY;kadu nkos ds lkFk
l{ke izkf/kdkjh dks ugha Hkstk tkrk gS rks l{ke izkf/kdkjh Lo;a izfrHkwfr dk ewY;kadu
djsxk vkSj mlds }kjk fd;k x;k ewY;kadu ,sls izfrHkwr ysunkj ij ck/;dj gksxkA
¼5½ ;fn nkosnkj mi /kkjk ¼4½ ds vuqlkj uksfVl dk vuqikyu ugha djrk gS rks ,slh
izfrHkwfr dk l{ke izkf/kdkjh }kjk viuh loksZre foosd cqf) ds vuqlkj ewY;kadu fd;k
tk,xkA
Lk{ke izk f/kdkjh }kjk
fjiksVZ izLrqr djuk
8- /kkjk 7 ds vuqlkj fjiksVZ djus ds i”pkr~ l{ke izkf/kdkjh olwy dh xbZ /kujkf”k ls
fu{ksidksa dks Hkqxrku djus dh vuqKk izkIr djus ds fy, vfHkfgr U;k;ky; esa vkosnu
djsxkA ,slk vkosnu djrs le; l{ke izkf/kdkjh fu{ksidksa ds izfr ns;rkvksa vkSj vU;
ns;rkvksa dk fu/kkZj.k djsxk vkSj ;fn olwy dh xbZ ;k fd, tkus ;ksX; /kujkf”k lEiw.kZ
ns;rkvksa dh iwfrZ gsrq i;kZIr ugha gS rks og vfHkfgr U;k;ky; ds vkns”kksa ds vuqlkj
fu{ksidksa dks Hkqxrku djus vkSj /kujkf”k ds laforj.k dh vuqKk izkIr djus ds fy,
vfHkfgr U;k;ky; ls fuosnu djsxkA
--------------------------------------------------------------
1& mRrjk[k.M vf/kfu;e la[;k 02 o’kZ 2017 dh /kkjk 2 }kjk var%LFkkfirA
ifjlEifRr;ksa dh
olwyh vkSj fu{ks idksa
dks Hkqxrku lEcU/kh
vfHkfgr U;k;ky; dh
“kfDr;ka
9- ¼1½ vfHkfgr U;k;ky; dks bl vf/kfu;e ds izkfo/kkuksa ds dk;kZUo;u gsr q leLr “kfDr;ka
izkIr gksaxhA
¼2½ mi/kkjk ¼1½ dh O;kidrk ij izfrdwy izHkko Mkys fcuk vfHkfgr U;k;ky; fuEufyf[kr
dk;Z dj ldsxk%&&
¼d½ bl vf/kfu;e ds izkfo/kkuksa ds izHkkoh dk;kZUo;u gsrq le{k izkf/kdkjh dks] tSlk
mfpr le>s] dksbZ funsZ”k ns ldsxk(
¼[k½ fofHkUu _.kh O;fDr;ksa }kjk ns; foRrh; vf/k’Bku dks ns; jkf”k;ksa ds fooj.k dk
vuqeksnu] foRrh; vf/k’Bku dh ifjlEifRr;ksa dk ewY; fu/kkZj.k] fu{ksidksa dh
lwph vkSj mudks ns; jkf”k;ksa dks vafre :i iznku djuk(
¼x½ l{ke izkf/kdkjh dks foRrh; vf/k’Bku dh ;k mlds fu;a=.kk/khu ifjlEifRr;ksa dk
dCtk ysus vkSj fodz;] gLrkarj.k ;k ifjlEifRR;ksa dh izd`fr d vk/kkj ij
lkoZtfud uhykeh ;k izkbosV fcdzh }kjk] tSlk Hkh mfpr le>s] dqdZ
ifjlEifRr;ksa dh olwyh vkSj mudh fcdzh ls izkIr /kujkf”k dks cSad [kkrksa esa
tek djus ds funsZ”k nsuk(
¼?k½ foRrh; v f/k’Bku dh ifjlEifRr;ksa dk dCtk ysus vkSj olwyh ds fy, l{ke
izkf/kdkjh }kjk fd, tkus okys O;; dk vuqeksnu(
¼³½ l{ke izkf/kdkjh }kjk fu{ksidksa dks Hkqxrku djus ds fy, vkns”k ;k ml n”kk esa
tcfd bl izdkj olwy dh xbZ /kujkf”k ls lEiw.kZ fu{ksi ns;rk dh iwfrZ i;kZIr
u gks] fu{ksidksa dks lekuqikfrd Hkqxrku ggsrq vkns”k nsuk(
¼p½ dEiuh dh ifjlEifRr;ksa dh olwyh rFk foRrh; vf/k’Bku d s fu{ksidksa dks
izfrlank; vFkok mlls vkuq’kafxd fo’k; ;k fdlh ekeys ds lEcU/k esa dksbZ ,slk
vkns”k ikfjr djuk] tks vfHkfgr U;k;ky; mfpr le>sA
Li’Vhdj.k& bl /kkjk ds iz;kstu gsrq ^^foRrh; vf/k’Bku** okD;ka”k esa mDr vf/k’Bku ds
funs”kd] laizorZd] izcU/kd ;k lnL; vFkok ,sls vU; lnL; dk lekos”k gS
ftldh lEifRr ;k ifjlEifRr;ka /kkjk 4 ds v/khu dqdZ dh xbZ gSaA
vfHkfgr U;k;ky; dk
xBu
10- ¼1½ bl vf/kfu;e ds iz;kstu gsrq ljdkj mRrj k[k.M mPPk U;k;ky; ds eq[; U;k;k/kh”k
dh lgefr ls ljdkjh xtV esa izdkf”kr ,sls {ks= ;k {ks=ksa ;k ,sls izdj.k ;k izdj.kksa
dh Js.kh vkSj lewg ds fy, tSlk fd vf/klwpuk e sa fofufnZ’V fd;k tk,] vij ftyk
,oa ls”ku U;k;k/kh”k lfgr ftyk ,oa ls”ku U;k;k/kh”k ds laoxZ esa ,d ;k vf/kd
vfHkfgr U;k;ky;ksa dk xBu dj ldsxhA
¼2½ vfHkfgr U;k;ky; ds vfrfjDr fdlh U;k;ky; dh] ftlesa izslhMsUlh uxj fnokyk
vf/kfu;e] 1909 ¼o’kZ 1909 dk vf/k fu;e la[;k 3½ rFkk iazkrh; fnokyk vf/kfu;e]
1920 ¼o’kZ 1920 vf/kfu;e la0 5½ ds v/khu xfBr U;k;ky; Hkh lfEefyr gSa] fdlh
fo’k; ds lEcU/k esa f tl ij bl vf/kfu;e ds micU/kksa dh lgk;rk yh tkrh gS]
vf/kdkfjrk ugha gskxhA
¼3½ fdlh vU; U;k;ky; esa yfEcr izdj.k] fdlh fo’k; ds lEcU/k esa ftl ij bl
vf/kfu;e ds micU/k ykxw gskrs gSa] bl vf/kfu;e dh /kkjk 4 dh mi/kkjk ¼2½ ds v/khu
fuxZr vf/klwpuk ds fnukad ls vfHkfgr U;k;ky; dks vUrfjr le>s tk,axsA
dqdhZ ls lEcfU/kr
vfHkfgr U;kky; dh
“kfDr;ka
11- ¼1½ /kkjk 5 ds v/khu vkosnu izkIr gksus ij l{ke izkf/kdkjh foRrh; vf/k’Bku ;k fdlh vU;
O;fDr dks ftldh ifjlEifRr dqdZ dh xbZ gS vkSj /kkjk 4 ds v/khu ljdkj }kjk l{ke
izkf/kdkjh esa fufgr dh xbZ gS] vkosnu i=] “kiFk&i=ksa rFkk vfHkfyf[kr lk{;] ;fn
dksbZ gksa] ds lkFk uksfVl tkjh djsxk vkSj mDr vf/k’Bku rFkk ,sls O;fDr ls ,sls
fnukad dks tks uksfVl esa fofufnZ’V fd;k tk,xk ;k mls iwoZ dkj.k crkvksa dh dqdhZ
dk vkns”k D;ksa u vkR;fUrd dj fn;k tk,] dk vkns”k tkjh djsxkA
¼2½ vfHkfgr U;k;ky; mu lHkh O;fDr;ksa dks Hkh ftUgksaus foRrh; vf/k’Bku fgr ;k gd gksus
ds nkos ;k mlds lEHkkouk ds lEcU/k esa mls vH;kosnu fn;k gS ;k ,sls O;fDr dh
ftls mi/kkjk ¼1½ ds v/khu ,slk uksfVl tkjh fd;k x;k gS] uksfVl tkjh djsxk vkSj
,sls lHkh O;fDr;ksa ls mlh fnukad dks tks uksfVl esa fofufnZ’V fd;k tk ,( mifLFkr
gksus ;fn os pkgsa rks vkSj lEifRr;ka ;k mlds fdlh Hkkx dh dqdhZ ds fo:) bl v/kkj
ij vkifRr djus] ds vkns”k nsxk fd ,slh lEifRr ;k mlds Hkkx esa mudk fgr gSA
¼3½ dqdZ dh xbZ lEifRr ;k mlds fdlh Hkkx esa fgr ds gksus dk nkok djus okyk O;fDr
bl ckr ds gksrs gq, Hkh fd bl /kkjk ds v/khu mls uksfVl rkehy ugha fd;k x;k]
mi/kkjk ¼4½ ;k mi/kkjk ¼6½ ds v/khu vkns”k ikfjr fd, tkus ls igys fofufnZ’V fnukad
dks ;k mlls igys fdlh Hkh le; mi;qZDr ds vuqlkj vfHkfgr U;k;ky; esa vkifRr
mBk ldrk gSA
¼4½ ;fn fofufnZ’V fnukad dks ;k mlls igys mi/kkjk ¼1½ ds v/khu dksbZ dkj.k ugha crk;k
x;k ;k dksbZ vkifRr ugha mBkbZ xbZ rks l{ke izkf/kdkjh dqdhZ ds vkns”k dks iw.kZ djrs
gq, rqjUr ,d vkns”k ikfjr djsxk vkSj ,slk funsZ”k fuxZr djsxk tks dqdZ dh xbZ
ifjlEifRr;ksa dh olwyh vkSj dqdZ dh xbZ lEifRr ls olwy dh xbZ /kujkf”k ds
fu{ksidksa esa leku :i ls forj.k ds fy, vko”;d gSA
¼5½ ;fn mi;qZDr ds vuqlkj dk j.k crk;k x;k ;k dksbZ vkifRr mB kbZ xbZ rks vfHkfgr
U;k;ky; mlds vUos’k.k dh dk;Zokgh djsxk vkSj ,slk djrs le; vfHkf gr U;k;ky;
i{kksa dh ijh{kk rFkk vU; lHkh igyqvksa ij bl vf/kfu;e ds micU/kksa ds v/khu laf{kIr
izfdz;k viuk,xk tSlk fd flfoy izfdz;k lafgrk] 1908 ¼o’kZ 1908 dk vf/kfu;e la0
5½ esa visf{kr gS vkSj mDr lafgr ds v/khu okn dh lquokbZ djrs le; U;k;ky; dh
leLr “kfDr;ksa dk iz;ksx djsxkA vkifRr mBkus okys O;fDr dks ;g lk{; izLrqr
djuk gskxk fd dqdhZ ds fnukad dks dqdZ dh xbZ lEifRr esa mldk dqN fgr FkkA
¼6½ mi/kkjk ¼5½ ds v/khu fd, x, vUos’k.k ds i”pkr~ vfHkfgr U;k;ky; ;Fkk”kh?kz
vf/kekU;r% ekeys dks mls fufnZ’V fd, tkus ds ,d o’kZ ds vUnj /kkjk 4 dh mi/kkjk
¼2½ ds v/khu ikfjr dqdhZ ds vkns”k dks iw.kZ djrs gq, ;k lEifRr ds ,d Hkkx dks
dqdhZ ls eqDr dj ;k dqdhZ ds vkns”k dks fujLr djrs gq, vkns”k ikfjr djsxk %
fdUrq micU/k ;g gS fd tc rd ;g lek/kku ugha gks tkrk fd foRrh;
vf/k’Bku ;k mi/kkjk ¼1½ esa fufnZ’V O;fDr dk lEifRr esa fgr gS vkSj mruh /kujkf”k ;k
lEifRr] ftldk ewY; foRrh; vf/k’Bku ds fu{ksidksa dks izfrlank; djus ds fy,
visf{kr ewY; ls de ugha g ksxk dqdhZ ds v/khu jgsxh] vfHkfgr U;k;ky; ,sls fgr dks
dqdhZ ls eqDr ugha djsxkA
¼7½ ;fn fdlh ,sls O;fDr }kjk vkosnu&i= izLrqr fd;k tkrk gS ftls leku vf/kfu;fefr
ds v/khu fdlh vU; jkT; ljdkj }kjk ml ljdkj }kjk dqdZ dh xbZ /kujkf”k]
lEifRr ;k ifjlEifRr;ksa ij fu;a=.k j[kus ds fy, lE;d~ :i ls izkf/kd`r] xfBr ;k
fofufnZ’V fd;k x;k gS vkSj “kfDr iznku dh xbZ gS rks vfHkfgr U;k;ky; viuh leLr
“kfDr;ksa dk iz;ksx djsxkA ekuks vkosnu&i= bl vf/kfu;e ds v/khu izLrqr fd;k x;k
gS vkSj ,slh vf/kfu;fefr ds micU/kksa dks ykxw djus ds fy, ,sls vkosnu&i= ij
leqfpr vkns”k ikfjr djsxk ;k funs”k nsxkA
vln~HkkoiwoZd
vurfjfr;ksa dh
lEifRr dh dqdhZ
12- ¼1½ tgka foRrh; vf/k’Bku ;k /kkjk 4 esa fufnZ’V vU; O;fDr dh dqdhZ ds fy, miyC/k
ifjlEifRr;ka ,sls foRrh; vf/k’Bku }kjk fu{ksidksa dks izfr lank; djus ds fy, visf{kr
/kujkf”k ;k ewY; ls de ikbZ tk,a vkSj tgka vfHkfgr U;k;ky; dk “kiFk&i= }kjk ;k
vU;Fkk lek/kku gks tkrk gS fd ;g fo”okl djus ds ;qfDr&;qDr dkj.k gSa fd mDr
foRrh; vf/k’Bku us fdlh lEifRr dks ¼bl vf/kfu;e ds izkjEHk gksus ls igys ;k ckn
esa½ ln~Hkkouk ls vU;Fkk lewfpr izfrYkkH k ds fy, vUrfjr dj nh gS rks v fHkfgr
U;k;ky; ,slh lEifRr ds vU rfjrh dks uksfVl nsdj ¼pkgs mlus og lEifRr mDr
foRrh; vf/k’Bku ls lh/ks izkIr dh gks ;k ugha½ ml fnukad dks tks uksfVl esa fofufnZ’V
fd;k tk,] mifLFkr gksus vkSj blls ;g dkj.k crkus dh vis{kk djsxk fd vUrfjrh dh
mruh lEifRr ftldk ewY; vUrfj r lEifRr ds leqfpr ewY; ds lerqY; gks] D;ksa u
dqdZ dj yh tk,A
¼2½ tgka mDr vUrfjrh fofufnZ’V fnukad dks mifLFkr ugha gksrk vkSj dkj.k ugha crkrk
vFkok /kkjk 1 dh mi/kkjk ¼5½ esa dh xbZ O;oLFkk dh jhfr ls fd, x, vUos’k.k d s
i”pkr~ vfHkfgr U;k;ky; dk lek/kku gks tkrk gS fd mDr vUrfjrh dks lEifRr dk
vUrj.k ln~HkkoiwoZd ugha Fkk ;k leqfpr izfrykHk ds fy, fd;k x;k Fkk rks vfHkfgr
U;k;ky; mDr vUrfjrh dh mruh lEifRr dqdZ djus dk vkns”k nsxk ftruh fd
vfHkfgr U;k;ky; ds fopkj ls vUrfjr lEifRr ds leqfpr ewY; ds lerqY; gksxhA
dqdhZ ds cnys
izfrHkwfr
13- foRrh; vf/k’Bku ;k O;fDr ftldh lEifRr bl vf/kfu;e ds v/khu dqdZ dh xbZ gS ;k
dqdZ dh tkus okyh gS] fdlh Hkh le; ,slh dqdhZ ds cnys izfrHkwfr nsus dh vuqKk ds
fy, vfHkfgr U;k;ky; esa vkosnu dj ldsxk vkSj tgka izlrkfor vkSj nh xbZ izfrHkwfr
vfHkfgr U;;k;ky; d h jk; esa lek/kkudkjd vkSj i;kZI r gS rks og dqdZ dk vkns”k
fujLr dj ldrk gS ;k ;FkkfLFkfr] dqdhZ dk vkns”k ikfjr ugha djsxkA
iz”kklu 14- vfHkfgr U;k;ky; ,sls O;fDr d k ftldk bl vf/kfu;e ds v/khu dqdZ dh xbZ ;k
l{ke izkf/kdkjh esa fufgr lEifRr esa fgr gks] vkosnu&i= ij vkSj l{ke izkf/kdkjh }kjk
lqus tkus dk volj iznku djus ds i”pkr~ ,sls vkns”k ns ldrk gS ftls vfHkfgr
U;k;ky; fuEufyf[kr ds fy, U;k;laxr vkSj ;qfDr&;qDr le>s&
¼d½ dqdZ dh xbZ vkSj l{ke izkf/kdkjh esa fufgr ,slh lEifRr esa ls mruh /kujkf”k;ksa dh
O;oLFkk djuk ftuesa vkosnd fgr j[kus dk nkok djrk gS] tks vkosnd vkSj mlds
ifjokj d s fuokZg vkSj tgka vfHkfgr U;k;ky; esa /kkjk 3 ds v/khu mlds fo:)
n.Muh; dk;Zokgh vkjEHk dh xbZ gks] ogka vkosnd ds izfrokn lEcU/kh O;; ds fy,
;qfDr&;qDr :i ls vko”;d gks(
¼[k½ tgka rd O;ogkfjd gks] dqdhZ ls izHkkfor fdlh O;kikj fo”ks’k :i ls ,sls O;kikj esa
Hkkxhnkjksa ds fgr dh laj{kk(
¼x½ ,sls foRrh; vf/k’Bku dh fdlh lkafof/kd ;k vU;Fkk ns;rk dk mUekspuA
vihy 15- Lk{ke izkf/kdkjh lfgr vfHkfgr U;k;ky; ds fdlh vkns”k ls O;fFkr dksbZ Hkh O;fDr
vkns”k ds rhl fnu ds vUnj mPp U;k;ky; esa vihy dj ldsxkA
fo”ks’k yksd
vfHk;kstd
16- Lkjdkj vf/klwpuk }kjk ,sls vf/koDrk dks] ftlus ckj esa de&ls&de nl o’kZ fo”ks’k
yksd vfHk;kstd ;k fo”ks’k ljdkjh odhy ¼IyhMj½ vfHkfgr U;k;ky; esa ekeysa ds
lapkyu gsrq fu;qDr djsxhA
vijk/kksa ls lEcfU/kr
vfHkfgr U;k;ky; dh
izfdz;k ,oa “kfDr;ka
17- ¼1½ vfHkfgr U;k;ky; vfHk;qDr ds fopkjkFkZ lqiqnZ fd, tkus ds cxSj vijk/k dks laKku esa
ys ldrk gSA vfHk;qDr O;fDr ij fopkj.k djrs le; ls”ku lEcU/kh ekeyksa ij
fopkj.k gsrq n.M izfdz;k lafgrk] 1973 ¼o’kZ 1974 dk vf/kfu;e la[;k 2½ eas fofgr
izfdz;k dk vuqikyu djsxkA
¼2½ /kkjk 467 ds micU/k ds flok; n.M izfdz;k la fgrk 1973 ¼o’kZ 1974 dk vf/kfu;e
la[;k 2½ ds leLr mi cU/k ;FkklEHko vfHkfgr U;k;ky; dh dk;Zokgh ij ykxw gksaxs
rFkk mDr micU/kksa ds iz;kstu gsrq vfHkfgr U;k;ky; dks eftLV~sªV le>k tk;sxkA
¼3½ vfHkfgr U;k;ky; lanfHkZr O;fDr ds lEcU/k esa fjekaM dh “kfDr dk iz;skx djsxk tSlk
fd n.M izfdz;k lafgrk] 1973 ¼o’kZ 1974 dk vf/kfu;e la[;k 2½ dh /kkjk 167 vkSj
309 ds vUrxZr izkfo/kkfur gSA
¼4½ vfHkfgr U;k;ky; bl vf/kfu;e ds vUrxZr vijk/k dk ijh{k.k djrs le; bl
vf/kfu;e ds vfrfjDr vU; vijk/kksa ds lEcU/k esa Hkh vfHk ;qDr dk Hkkjrh; n.M
izfdz;k lafgrk] 1973 ¼o’kZ 1974 dk vf/kfu;e la[;k 2½ ds vUrxZr vfHk;ksxksa dk Hkh
ijh{k.k djsxkA
¼5½ bl vf/kfu;e ds vUrxZr n.Muh; vijk/k laKs; ,oa xSj&tekurh gksaxsA
vU; fof/k;ksa ij
vf/kHkkoh vf/kfu;e
18- bl vf/kfu;e esa vU;Fkk dh xbZ O;oLFkk ds flok; rRle; izo`Rr fdlh ,slh vU;
fof/k ds ukrs izHkkoh fdlh izFkk ;k izpyu ;k fy[kr esa fdlh vlaxr ckr ds gksrs gq,
Hkh bl vf/kfu;e ds micU/k izHkkoh gksaxsA
Lkn~Hkkoukiw.kZ dh xbZ
dk;Zokgh ds fy,
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THE UTTARAKHAND PROTECTION OF INTERESTS OF DEPOSITORS
(IN FINANCIAL ESTABLSHMENTS) ACT, 2005
[Uttarakhand Act No. 09 of 2005]
AN
ACT
to protect the interests of depositors in financial establishments in the state of Uttarakhand.
Be it enacted in the Fifty -fifth year of the Republic of India by the Legislative Assembly of the
State of Uttarakhand as follows:-
Short title,
Extent and
commencement
1. (1) This Ac t may be called the Uttara khand Protection of Interests of
Depositors (in Financial Establishments) Act, 2005.
(2) In extends to the whole of Uttarakhand.
(3) It shall be deemed to have come in to force on the date of its publication in
the official gazette.
Definitions 2. In this Act unless the context otherwise requires--
(a) “Assistant Collector Ist Class” means an officer appointed as such under the
U.P. Land Revenue Act, 1901(Act No.3 of 1901) (as applicable to the State
of Uttarakhand);
(b) “Competent Authority” means the Authority appointed under section 5;
(c) “Deposit” includes and 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
case or kind or in the form of a specified service with or without any benefit
in 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 Securities and Exchange Board o f India,
established under the Securities and Exchange Board of India
Act,1992 (Act No. 15 of 1992);
(ii) amounts contributed as capital by partners of a firm;
(iii) amounts received from a scheduled bank or co -operative bank or any
other banking company as defined i n clause(c) of section 5 of the
banking Regulation act, 1949 (Act no 10 of 1949);
(iv) any amount received from—
(a) the Industrial Development Bank of India,
(b) any financial institution specified in or under section 4 A of the
companies act, 1956 (Act No. 1 of 1956),or
(c) any other institution that may be specified by the Government in
this behalf;
(v) amounts received in the ordinary course of business by way of—
(a) security deposit,
(b) dealership deposit,
(c) earnest money, and
(d) advanced against order for goods or services;
(vi) any amount received from an individual or a firm or an association of
is for the time being in force in the State; and
(vii) any amount received by way of subscriptions in respect of a Chit.
Explanation I—“Chit” has the meaning as assigned to it in clause (b) of section 2
of the Chit funds Act, 1982 (Act No.40 of 1982)
Explanation II - Any credit given by a seller to a buyer on the sale of any
property (whether movable or immovable) shall not be deemed to be a
deposit for the purposes of this clause;
(d) “Designated Court” means the Designated Court constituted under section
10;
(e) “Financial Establishment” means any person or a group of individuals
including a firm or a company accepting deposits under any scheme or
arrangement or in any other manner but does not in clude a corporation or a
co-operative society owned or controlled by any State Government or the
Central Government or a banking company as defined under clause (c) of
section 5 of the banking Regulation Act, 1949 (Act No. 10 of 1949);
(f) “Government’ means the Government of Uttarakhand.
Fraudulent
default by
Financial
Establishment
3. Any Financial Establishment, which fraudulently defaults any repayment or
deposit on maturity along with any benefit in the form of interest, bonus,
profit or in any oth er 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 employee responsible
for the management of or conduction of the business or affairs of such
Financial Establishment 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 of rupees and such Financial Establishment shall
also be liable for a fine which may extend to an amount equivalent to rupees
five lakhs 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 jud gment of the court, the imprisonment shall not be less than three
years and the fine shall not be less than rupees twenty thousand as against
each individual and not less than rupees on lakh against such Financial
Establishment.
Explanation- For the purpo se of this section, 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 as promised or fails to render
any specified service promised against such depo sit, or fails to render any
specific service agreed against the deposit with an intention of causing
wrongful gain to one person or wrongful loss to another person or commits
such defaults due to its inability arising out of impracticable or
commercially n ot viable promised made while accepting such deposit or
arising out 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.
Attachment of
properties on
default of return
4. (1) Government or the District Magistrate in their respective jurisdiction suo
moto or on receipt of the complaints may cause investigation of a complaint
of fraudulent transaction referred to in section 3. The District Magistrate
of deposits shall forward his report together with the complaint to the Government at
the earliest.
(2) Notwithstanding anything contained in any other law for the time being in
force—
(i) Where, upon complaints received from the depositors, or otherwise,
the Government is satisfied that any Financial Establishments 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
(c) to provided the service against such deposit;
(ii) Where the Government has reason to believe that any Financial
Establishment is acting in a calculated manner detrimental to the
interests of the depositors, with an intention to defraud them; or
(iii) Where the Government is satisfied that such Financial 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 protec t the
interests of the depositors of such Financial Establishments, after
recording reasons in writing, issue an order by publishing it in the
Official Gazette, attaching the money or property believed to have
been acquired by such Financial Establishment either in its own name
or in the name of any other person from and out of the deposits
collected by the financial Establishments, and where it transpires that
such money or other property is not available for attachment or not
sufficient for repayment of t he deposits, such other property of the
said Financial Establishments or the personal assets of the promoters,
partners, directors, managers or members or any other person of the
said Financial Establishments.
(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.
Appointment
of competent
Authority
5. (1) Government shall appoint any of its officers not below the rank of the
Assistant Collector Ist class or a Class-I Officer as the Competent Authority
to exercise control over the money and the properties attached by the
Government under section 4.
(2) The competent Authority shall, apply within fifteen days from the date of
the publication of the said order, to the Designated court, accompanied by
one or more affidavits stating the grounds on which the Government has
issued the said order under sect ion 4 and the amount of money or other
property 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 a Designated Court may find necessary.
(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 o ther State Government
under any similar enactment for adjudication any issue or subject matter
pertaining to 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 Special Court or
Designated Court or any judicial forum as the case may be, for passing
appropriate orders to give effect to the provisions of this Act.
Duties and
powers of
Competent
Authority
6. (1) Without prejudice of the generalities of sub -section (1) of section 5, the
Competent Authority may carry out the purpose of this Act.
(2) (i) on receipt of order of appointment, the Competent Authority shall take
such necessary actions as it is necessary or expedient for taking physical
possession of all the monies and assets of the concerned financial
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 pow ers vested under clause
(i), the Competent Authority shall be entitled to---
(a) require assistance of any police authority or any other authority or
person and on such requisition it shall be the duty of the police
authority or such other authority or person to extend necessary
assistance;
(b) open bank accounts in any scheduled commercial bank and credit a ll
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 b e in possession or control over any
money or assets of the Financial Establishment, to furnish necessary
information, to hand over possession of such assets to the Competent
Authority and such person shall comply 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 assets and
realization of the assets of the Financial Establishment;
(e) sell, receive, transfer, endorse, negotiate, or otherwise deal with any
marketable security or negotiable instrument belonging to or in the
control of the Financial Establishment and give proper discharge for the
same;
(f) sell, transfer or otherwise realize any movable or immovable property
belonging to, or in the c ontrol of the Financial Establishment either by
public auction or with the prior approval of the Designated Court
private arrangement:
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
out of the bank accounts; and
(h) do all and every acts and deeds which would be necessary for the
speedy realization of the assets of the Financial Establishment.
Explanation- For the purpose of this Section, the expression “Financial
Establishment” includes the directors, promoters, managers or member
of said establishment or any other person whose property or assets have
been attached under section 4.
---------------------------------------------------------------
1[6A (1) Every Financial establishment which commences or carries on its business as
such in the State of Uttrakhand on or after the commencement of this Act
shall make a report to the District Collector and the sup erintendent of
police of the district, mentioning the details about its authority to carry on
such business, the location of the Financial Establishment in the State and
its main Branch Office, if any, wherever situated, permanent address of
every person r esponsible for the management of, or conducting of the
business or affairs of, the financial establishment in the State and such
other particulars as may be prescribed.
(2) Such report shall be made within seven days from the date on which a
financial establishment commences or carries on its business as such in the
State;
Provided that a financial establishment which has been carrying
on its business as such prior to the commencement of this Act make such
report within seven days from the date of such commencement.
(3) Every financial establishment shall furnish a quarterly return within one
month of the expiry of each quarter of a financial year to the District
Collector and the Superintendent of police of the district in respect o f its
business and financial position, the area of its investment and the location
of investment of moneys made by it within and outside the State, if any,
and such other particulars as may be prescribed.
(4) Whoever contravenes the provisions of this sec tion shall be punished with
fine which may extend to fifty thousand rupees.]1
Assessment of
assets and
deposit
liabilities
7. (1) Within thirty days from the date of appointment, the Competent Authority
shall assess the deposit liabilities and the assets of the Financial
Establishment and submit the statement thereof to the Designated Court.
(2) The Competent Authority thereafter shall issue notice either individually or
by means of effective media publication, inviting the claims from secured
creditors, 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 no t 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
under the provision 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 the
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 himself shall value the security and his
valuation shall be binding on such secured creditors.
(5) If the claimant fails to comply with the notice as per the sub -section (4),
such security shall be valued by the competent Authority in his best
judgment.
----------------------------------------------
1- Inserted by section 2 of UK Act no 02 of 2017.
Report by the
Competent
Authority
8. After making a report as per section 7, the Competent Authority shall make
an application to the Designated Court seeking permission to make payment
to the depositors out of the money realized. While making such application,
the competent Authority shall assess the liability to the depositors and other
liabilities and in case the money realized or realizable is no t 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.
Power of the
Designated
Court
regarding
realization of
assets and
payment to
depositors
9. (1) The Designated Court shall have all the powers for giving effect to the
provisions of this Act.
(2) Without prejudice to the generality of sub -section (1), the Designated Court
may—
(a) give any direction to the Co mpetent Authority as it deems fit, for
effective 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, fina lise the list of the depositors and their
respective dues;
(c) direct the Competent Authority to take possession of any assets be
longing to or in the control of the Financial Establishment and sell,
transfer or realize the attached assets either by public auc tion or by
private sale, as he deems fit, depending upon the nature of assets and
credit the sale proceeds thereof to the bank accounts;
(d) Approve the necessary expenditure to be incurred by the Competent
Authority for taking possession and realization of the assets of the
Financial Establishment;
(e) 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 sufficient to meet the entire deposit liability; and
(f) pass any order which the Designated Court deems fit for realization
of the assets of the company 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” includExcerpt shown. Open the full act in Lexace.