RESERVE BANK OF INDIA
DEPARTMENT OF FINANCIAL COMPANIES
15, NETAJI SUBHAS ROAD
POST BOX NO. 571
CALCUTTA - 700 001

Notification No.DNBC.39/DG(H)-77 dated 20th June 1977
(AS AMENDED UPTO October 1, 2002)

The Reserve Bank of India having considered it necessary in the public interest and being satisfied that for the purpose of enabling the Bank to regulate the credit system to the advantage of the country, it is necessary to give the directions set out below, hereby, in exercise of the powers conferred by sections 45J,45K and 45L of the Reserve Bank of India Act, 1934, (2 of 1934) and of all the powers enabling it in this behalf, and in supersession of the earlier Directions contained in Notification No.DNBC.21/DG(S)-73 dated the 23rd August 1973 as amended from time to time gives to every miscellaneous non-banking company the directions hereinafter specified.

PART I - PRELIMINARY

1.Short title and commencement of the directions

These directions shall be known as the Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977. They shall come into force with effect from the 1st July 1977 and any reference in these directions to the date of commencement thereof shall be deemed to be a reference to that date.

2. Extent of the directions

These directions shall apply to every financial institution which is a company and which carries on, in any place in the State of Jammu and Kashmir, any of the following types of business and to every financial institution which is a company and which carries on, in any place in India, any of the types of business referred to in sub-paragraph (2) to (4) below :-

(1) Collecting whether as a promoter, foreman, agent or in any other capacity monies in one lump sum or in instalments by way of contributions or subscriptions or by sale of units, certificates or other instruments or in any other manner or as membership fees or admission fees or service charges to or in respect of any savings, mutual benefit, thrift, or any other scheme or arrangement by whatever name called, and utilising the monies so collected or any part thereof or the income accruing from investment or other use of such monies for all or any of the following purposes -

1. giving or awarding periodically or otherwise to a specified number of subscribers as determined by lot, draw or in any other manner, prizes or gifts in cash or in kind, whether or not the recipient of the prize or gift is under a liability to make any further payment in respect of such scheme or arrangement;
2. refunding to the subscribers or such of them as have not won any prize or gift, the whole or part of the subscriptions, contributions or other monies collected, with or without any bonus, premium, interest or other advantage, howsoever called, on the termination of the scheme or arrangement, or, on or after the expiry of the period stipulated therein;

(2) managing, conducting or supervising as a promoter, foreman or agent of any transaction or arrangement by which the company enters into an agreement with a specified number of subscribers that every one of them shall subscribe a certain sum in instalments over a definite period and that every one of such subscribers shall in his turn, as determined by lot or by auction or by tender or in such other manner as may be provided for in the agreement be entitled to the prize amount;

Explanation

For the purposes of this sub-paragraph, the expression "prize amount" shall mean the amount by whatever name it be called, arrived at by deduction from out of the total amount subscribed at each instalment by all subscribers,

(a) the commission charged by the company or service charges as a promoter or a foreman or an agent and

(b) any sum which a subscriber agrees to forgo, from out of the total subscriptions of each instalment, in consideration of the balance being paid to him.

(3) Conducting any other form of chit or kuri which is different from the type of business referred to in sub-paragraph (2) above;

(4) undertaking or carrying on or engaging in or executing any other business similar to the business referred to in sub-paragraph (1) to (3).

3. Definitions

(1) In these directions, unless the context otherwise requires,

1. "banking company" means a banking company as defined in section 5(c) of the Banking Regulation Act, 1949 (10 of 1949);
2. "company" means a company as defined in section 45I(a) of the Reserve Bank of India Act, 1934 (2 of 1934) but does not include a company which is being wound up under any law for the time being in force;
3. "deposit" shall have the same meaning as assigned to it in section 45I(bb) of the Reserve Bank of India Act, 1934 (2 of 1934)";
4. "depositor" means any person who has made a deposit with the company;
5. "foreman" means a person who under the chit or kuri agreement or any other scheme or arrangement is responsible for the conduct of the chit or kuri or such scheme or arrangement;
6. "free reserves" shall include the balance in the share premium account, capital and debenture redemption reserves and any other reserve shown or published in the balance sheet of a company and created through an allocation of profits, not being (i) a reserve created for repayment of any future liability or for depreciation in assets or for bad debt (ii) a reserve created by revaluation of the assets of the company;
7. "miscellaneous non-banking company" means a company carrying on all or any of the types of business referred to in paragraph 2 of these directions;
8. words or expressions used but not defined herein and defined in the Reserve Bank of India Act, 1934 (2 of 1934) shall have the same meaning as assigned to them in that Act. Any other words or expressions not defined herein or in the Reserve Bank of India Act, 1934 (2 of 1934) shall have the same meaning as assigned to them in the Companies Act, 1956 (1 of 1956);

4. Non-applicability of the directions to certain types
of deposits of money

Nothing contained in paragraph 5 to 9B and 13 of these directions shall apply to the following types of deposits received by a miscellaneous non-banking company, namely :-

i) Any money received or collected under a transaction or arrangement referred to in sub-paragraph (2) of paragraph 2;

ii) any money received from the Central Government or a State Government or any money received from any other source and the repayment of which is guaranteed by the Central Government or a State Government or any money received from a local authority or a foreign Government or any other foreign citizens, authority or person;

iii) any money received from a banking company or from the State Bank of India or from a banking institution notified by the Central Government under section 51 of the Banking Regulation Act, 1949 (10 of 1949) or a corresponding new bank as defined in section 2 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 (5 of 1970) or from a co-operative Bank as defined in [Section 5 (cci) of the Banking Regulation Act, 1949 (10 of 1949)][1]

iv) any loan received from the Industrial Development Bank of India established under the Industrial Development Bank of India Act, 1964 (18 of 1964) or the Industrial Credit & Investment Corporation of India Ltd., established under the Indian Companies Act, 1913 (7 of 1913) or the Industrial Finance Corporation of India established under the Industrial Finance Corporation Act, 1948 (15 of 1948) or the Industrial Reconstruction Bank of India Ltd., or the Life Insurance Corporation of India established under the Life Insurance Corporation Act, 1956 (31 of 1956) or the Small Industries Development Bank of India established under the Small Industries Development Bank of India Act, 1989 (39 of 1989) or a State Financial Corporation established under the State Financial Corporations Act 1951 (63 of 1951) or Unit Trust of India established under the Unit Trust of India Act, 1963 (52 of 1963) or the General Insurance Corporation of India and its subsidiaries or the Tamil Nadu Industrial Investment Corporation Ltd., or the National Industrial Development Corporation of India Ltd., or the SCICI Ltd., or the Rehabilitation Industries Corporation of India Ltd., or any Electricity Board constituted under the Electricity (Supply) Act, 1948 or the State Trading Corporation of India Ltd. or the Rural Electrification Corporation Ltd., or the Minerals and Metals Trading Corporation of India Ltd., or the Agricultural Finance Corporation Ltd., or the State Industrial and Investment Corporation of Maharashtra Ltd., or the Gujarat Industrial and Investment Corporation Ltd. or [Asian Development Bank, or International Finance Corporation, or][4] any other financial institution wholly owned by the Central Government or a State Government or any other financial institution that may be notified by the Reserve Bank in this behalf;

v) Deleted

vi) Deleted

vii) any money received from an employee of the company by way of security deposit for due performance of his duties;

Provided that the amount of such security deposit is deposited with a scheduled bank or a post office in the joint names of the employee and the company on the conditions, that

1. it shall not be withdrawn without the consent in writing of the employees; and
2. it shall be repayable to the employee in accordance with the terms of his employment along with interest paid by bank/post office on the deposit account;

viii) (any money raised by issue of debentures or bonds with predetermined terms of conversion without any option given, either to the issuer or the holder for conversion of the said debentures or bonds into equity share capital;][4]

ix) any money received by way of subscription to any share or stock pending the allotment of such shares or stock or any money received by way of subscription to debentures or bonds of the type specified in clause (viii) of this paragraph pending the allotment of such debentures or bonds and any money received by way of calls in advance on shares in accordance with the company's articles of association so long as such money is not repayable to the shareholders under the articles of association of the company;

4A. Joint Deposit

Where so desired, deposits may be accepted in joint names not exceeding three, with or without any of the clauses namely, "Either or Survivor/s","Number one or Survivor/s", "Any one or Survivor/s".

PART II - ACCEPTANCE OF DEPOSITS

5. Acceptance of deposits by miscellaneous
non-banking companies

On and from the 1st July 1977, no miscellaneous non- banking company shall :-

(a)receive any deposit repayable on demand or on notice, or repayable after a period of less than six months and more than thirty six months from the date of receipt of such deposit or renew any deposit received by it, whether before or after the aforesaid date unless such deposit, or renewal, is repayable not earlier than six months and not later than 36 months from the date of such renewal;

Provided that where a miscellaneous non-banking company has before the 1st July 1977, accepted deposits repayable after a period of more than thirty six months, such deposits shall, unless renewed in accordance with these directions, be repaid in accordance with the terms of such deposits;

Provided further that nothing contained in this clause shall apply to monies raised by the issue of debentures or bonds.

(b) receive or renew :-

1. any deposit against an unsecured debenture or any deposit from a shareholder or any deposit guaranteed by any person who, at the time of giving of such guarantee, was or is a director of the company, if the amount of any such deposit together with the amount of such other deposits of all or any of the kinds of deposits referred to in this sub-clause already received and outstanding in the books of the company as on the date of acceptance or renewal of such deposits, exceeds fifteen per cent of its net owned funds
2. any other deposit, if the amount of such deposits, together with the amount of such other deposits, not being deposits of the kind referred to in sub-clause (i) of this clause already received and outstanding in the books of the company as on the date of acceptance or renewal of such deposits, exceeds twenty five per cent of its net owned funds.
3. where any miscellaneous non-banking company holds as at commencement of business on April 12, 1993, deposits in excess of its stipulated limits, it shall reduce such excess deposits by at least one-half before October 12, 1993 and wipe off the balance before April 12, 1994.

[7]iv) where any miscellaneous non-banking company holds, whereas at the commencement of business on April 1, 1997, deposits in excess of the limit specified in clause (i) or clause (ii) above, as the case may be, which has been caused only due to the amendment to the definition of `net owned fund' provided in the Explanation to paragraph 5, such company shall reduce the excess deposits by March 31, 1998 by repayment or otherwise.

Explanation

[7]Net owned fund means -

(a) the aggregate of the paid up equity capital and free reserves as disclosed in the latest balance sheet of the company after deducting therefrom -

1. accummulated balance of loss;
2. deferred revenue expenditure; and
3. other intangible assets; and

(b) further reduced by the amounts representing

(1) investments of such company in shares of

1. its subsidiaries;
2. companies in the same group;
3. all other non-banking financial companies; and

(2) the book value of debentures, bonds, outstanding
loans and advances (including hire purchase and
lease finance) made to, and deposits with

1. subsidiaries of such company; and
2. companies in the same group

to the extent such amount exceeds ten per cent of (a) above.

6. Particulars to be specified in application form
soliciting deposit

On and from the 1st July 1977, no miscellaneous non-banking company shall accept, renew or convert any deposit except on a written application from the depositor in the form to be supplied by the company, which form shall contain all the particulars specified in the Non-Banking Financial Companies and Miscellaneous Non-Banking Companies (Advertisement) Rules, 1977, made under section 58A of the Companies Act, 1956 (1 of 1956).

7. Furnishing of receipts to depositors:

(1) Every miscellaneous non-banking company shall furnish to every depositor or group of joint depositors or his agent, unless it has done so already, a receipt for every amount which has been or which may be received by the company by way of deposit before or after the date of commencement of these Directions.

(2) The said receipt shall be duly signed by an officer entitled to act for the company in this behalf and shall state the date of deposit, the name of the depositor, the amount in words and figures received by the company by way of deposit, the rate of interest payable thereon and the date on which the deposit is repayable.

8. Register of deposits

(1) Every miscellaneous non-banking company shall keep one or more registers in which shall be entered separately in the case of each depositor the following particulars, namely-

1. name and address of the depositor,
2. date and amount of each deposit,
3. duration and the due date of each deposit,
4. date and amount of accrued interest or premium on each deposit,
5. date and amount of each repayment, whether of principal, interest or premium,
6. any other particulars relating to the deposit.

(2) The register or registers aforesaid shall be kept at the registered office of the company and shall be preserved in good order for a period of not less than eight calendar years following the financial year in which the latest entry is made of the repayment or renewal of any deposit of which particulars are contained in the register.

Provided that if the company keeps the books of account referred to in sub-section (1) of section 209 of the Companies Act, 1956 (1 of 1956) at any place other other than its registered office in accordance with the proviso to that sub-section, it shall be sufficient compliance with this sub-paragraph if the register aforesaid is kept at such other place, subject to the condition that the company delivers to the Reserve Bank a copy of the notice filed with the Registrar under the proviso to the said sub-section within seven days of such filing.

9. Information to be included in the Board's report

(1) In every report of the Board of Directors laid before the company in general meeting under sub-section (1) of section 217 of the Companies Act, 1956 (1 of 1956) after the date of commencement of these directions, there shall be included in the case of miscellaneous non-banking company, the following particulars or information, namely :

1. the total number of depositors of the company whose deposits have not been claimed by the depositors or paid by the company after the date on which the deposit became due for repayment or renewal as the case may be according to the contract with the depositor or the provisions of these directions,whichever may be applicable,and
2. the total amount due to the depositors and remaining unclaimed or unpaid beyond the dates referred to in clause (a) as aforesaid.

(2) The said particulars or information shall be furnished with reference to the position as on the last date of the financial year to which the report relates and if the amounts remaining unclaimed or undisbursed as referred to in clause (b) of the preceding sub-paragraph exceed in the aggregate the sum of rupees five lakhs, there shall also be included in the report a statement on the steps taken or proposed to be taken by the Board of Directors for the repayment of the amounts due to the depositors and remaining unclaimed or undisbursed.

9A. Ceiling on the rate of interest and brokerage

On and from November 1, 2001 [3][11] no miscellaneous non- banking company shall :-

(a) invite or accept or renew deposit on a rate of
interest exceeding twelve and a half [3][9][11]per cent per annum.
Interest may be paid or compounded at rests
which shall not be shorter than monthly rests.

Provided that nothing contained in this clause shall apply to monies raised by the issue of debentures or bonds.

(b) pay to any broker for deposits collected by or
through him, brokerage in excess of the rates
specified below :-

(i)	where a deposit is for a period not exceeding one year	:	one percent of such deposit
(ii)	where a deposit is for a period exceeding one year but not exceeding two years	:	one and a quarter per cent (not per annum) of such deposit.
(iii)	where a deposit is for a period exceeding two years.	:	one and a half percent (not per annum) of such deposit.

9AA. Where any miscellaneous non-banking company permits an existing depositor to renew his deposit before maturity for availing the benefit of higher rate of interest, such company shall pay the depositor the increase in the rate of interest provided,

1. the deposit is renewed in accordance with the other provisions of these directions and for a period longer than the remaining period of the original contract; and
2. the interest on the expired period of the deposit is reduced by one percentage point from the[5]rate which the company would have ordinarily paid , had the deposit been accepted for the period for which such deposit has run[5] and/or paid earlier and recovered/adjusted.

9AB. Renewal of overdue deposits

A miscellaneous non-banking company may, at its discretion, allow interest on an overdue deposit or a portion of the said overdue deposit from the date of maturity of the deposit provided that :

1. the total amount of overdue deposit or the part thereof is renewed from the date of its maturity till some future date in accordance with the other provisions of these directions; and
2. the interest allowed shall be at the appropriate rate operative on the date of the maturity of such overdue deposit which shall be payable only on the amount of deposit so renewed.(2)

9B. General Provision regarding repayment of deposits

(i) No miscellaneous non-banking company shall repay any deposit within a period of three months from the date of its acceptance.

(ii) Where a miscellaneous non-banking company repays a deposit after the period indicated in sub-clause (i) above but before its maturity, it shall pay interest at the following rate:

a)	Three months but before expiry of six months	No interest
b)	Six months but before the date of maturity	One percentage point less than the [5] rate the company would have ordinarily paid, had the deposit been accepted for the period for which such deposit had run.[5]

Provided that in the event of death of a depositor, the deposit may be repaid prematurely to the surviving depositor/s, in the case of joint holding with survivor clause, or legal heir/s with interest at the contracted rate upto the date of repayment.

(iii)A miscellaneous non-banking company may grant a loan upto seventy-five percent of the amount of deposit to a depositor after the expiry of three months from the date of deposit at a rate of interest two percentage points above the interest rate payable on the deposit.

Explanation

(Deleted)[1]

PART III- MISCELLANEOUS

10. Copies of balance sheet and accounts together with the
Directors' report to be furnished to the Reserve Bank

Every miscellaneous non-banking company shall deliver to the Reserve Bank unless it has done so already, an audited balance sheet as on the last date of each financial year and an audited profit and loss account in respect of that year as passed by the company in general meeting together with a copy of the report of the Board of Directors laid before the company in such meeting in terms of section 217(1) of the Companies Act, 1956 (1 of 1956) within fifteen days of such meeting.

11. Returns to be submitted to the Reserve Bank

(1)Without prejudice to the provisions of paragraph 10, every miscellaneous non-banking company shall submit to the Reserve Bank a return furnishing the information specified in the

[7] [Return NBS-1], hereto, with reference to its position as on the dates specified in the said Schedule.

(2)(i) Every miscellaneous non-banking company shall, not later than one month from the coming into force of these directions or from the commencement of business, whichever is later, deliver to the Reserve Bank, a written statement containing a list of

1. the names and the official designations of its principal officers;
2. the names and residential addresses of the directors of the company; and
3. the specimen signature of the officers authorised to sign on behalf of the company, returns specified in sub-paragraph (1)

(ii) any change in the list referred to in clause (i) of this sub-paragraph shall be intimated to the Reserve Bank within one month from the occurance of such change.

12. Balance sheet, returns etc. to be submitted to the
Department of Supervision[4]

Any balance sheet, returns or information required to be submitted or furnished to the Reserve Bank in pursuance of these directions shall be submitted or furnished to the Regional Office of the [Department of Supervision][4] of the Reserve Bank within whose jurisdiction the registered office of the company is situated, as specified in the Second Schedule[6] hereto.

13. Advertisement and statement in lieu of advertisement

(1) Every miscellaneous non-banking company shall comply with the provisions of the Non-Banking Financial Companies and Miscellaneous Non-Banking Companies (Advertisement) Rules, 1977 and shall also specify in every advertisement to be issued thereunder, the following :

1. the actual rate of return by way of interest, premium, bonus or other advantage to the depositor;
2. the mode of payment to depositor;
3. maturity period of deposit;
4. the interest payable on a specified deposit;
5. the rate of interest which will be payable to the depositor in case the depositor withdraws the deposit prematurely, the terms and conditions subject to which a deposit will be renewed; and
6. any other special features relating to the terms and conditions subject to which the deposits are accepted/renewed; and
7. ["the statement that the deposits solicited by it are unsecured and they are neither insured nor guaranteed by any official agency.]

(2) Where a company intends to accept deposits without inviting or allowing or causing any other person to invite such deposits, it shall before accepting deposits, deliver to the Regional Office of the Department of Supervision[5] of the Reserve Bank, within whose jurisdiction its registered office is situated, for registration, a statement in lieu of advertisement containing all the particulars required to be included in the advertisement pursuant to the Non-Banking Financial Companies and Miscellaneous Non-Banking Companies (Advertisement) Rules, 1977 as also the particulars stated in sub-paragraph (1) hereinabove, duly signed in the manner provided in the aforesaid Rules.

(3) A statement delivered under sub-paragraph (2) shall be valid till the expiry of six months from the date of closure of the financial year in which it is so delivered or until the date on which the balance sheet is laid before the company in general meeting or where the annual general meeting for any year has not been held, the latest day on which that meeting should have been held in accordance with the provisions of the Companies Act 1956 (1 of 1956), whichever is earlier, and a fresh statement shall be delivered in each succeeding financial year before accepting deposits in that financial year.

14. Exemption

The Reserve Bank may, if it considers it necessary for avoiding any hardship or for any other just and sufficient reason, grant extensions of time to comply with or exempt any company or class of companies, from all or any of the provisions of these directions either generally or for any specified period subject to such conditions as the Reserve Bank may impose.

15.Non-applicability of certain other directions

Nothing contained in the Non-Banking Financial Companies (Reserve Bank) Directions, 1977 shall apply to a financial institution of the type referred to in paragraph 2 of these Directions.

16. Saving of action taken or that may be taken for
contravention of the Miscellaneous Non-Banking
Companies (Reserve Bank) Directions, 1973

It is hereby clarified that the supersessions of Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1973 as amended from time to time, shall not in any way affect

(i) any right, obligation or liability acquired, accrued or incurred thereunder;

(ii) any penalty, forfeiture, or punishment incurred in respect of any contravention committed thereunder

(iii) any investigation, legal proceeding or remedy in respect of any such right, privilege, obligation, liability, penalty, forfeiture or punishment as aforesaid, and any such investigation, legal proceeding or remedy may be instituted, continued, or enforced and any such penalty, forfeiture or punishment may be imposed as if those directions had not been superseded.

 

Sd/-

(R.K. HAZARI)

DEPUTY GOVERNOR

 

LIST OF AMENDING NOTIFICATIONS

	Notification No.	Date
[1]	74	April 19, 1994
[2]	79	December 31, 1994
[3]	81	October 28, 1995
[4]	87	July 24, 1996
[5]	94	January 1, 1997
[6]	101	March 29, 1997
[7]	104	March 31, 1997
[8]	145	June 30, 2000
[9]	147	March 31, 2001
[10]	150	June 27, 2001
[11]	152	October 31, 2001

 

Annexure

Second Schedule

( Please see paragraph 12 of the Directions )

Area under the jurisdiction of each Regional Office of the

RESERVE BANK

	Name and address of the Office	Area under jurisdiction
1.	Ahmedabad Regional Office,	State of Gujarat and Union
	La Gajjar Chambers,	Territories of Daman and Diu
	Ashram Road,	and Dadra and Nagar Haveli
	Ahmedabad-380 009.
2.	Bangalore Regional Office,	State of Karnataka.
	10-3-8, Nrupathunga Road,
	Bangalore-560 002.
3.	Bhopal Regional Office,	State of Madhya Pradesh.[and
	Hoshangabad Road,	Chhattisgarh] [10]
	Post Box No.32,
	Bhopal-462 011.
4.	Bhubaneswar Regional Office	State of Orissa.
	Pandit Jawaharlal Nehru Marg,
	Post Bag No.16,
	Bhubaneswar-751 001.
5.	[Kolkata] [10] Regional Office,	States of Sikkim, and West
	15, Netaji Subhas Road,	Bengal and the Union Territory
	Kolkata[10]-700 001.	of Andaman and Nicobar Islands
6.	Chandigarh Regional Office,	States of Himachal Pradesh,
	11, Central Vista,	Punjab and the Union
	New Office Building	Territory of Chandigarh.
	Opp. Telephone Bhavan,
	Sector 17,
	Chandigarh-160 017.
7.	Chennai Regional Office,	State of Tamil Nadu and Union
	Fort Glacis, Rajaji Salai,	Territory of Pondicherry.
	Chennai-600 001.
8.	Guwahati Regional Office,	States of Arunachal Pradesh,
	Station Road, Pan Bazar,	Assam, Manipur, Meghalaya,
	Post Box No.120,	Mizoram, Nagaland and Tripura.
	Guwahati-781 001.
9.	Hyderabad Regional Office,	State of Andhra Pradesh.
	6-1-56, Secretariat Road,
	Saifabad,
	Hyderabad-500 004.
10.	Jaipur Regional Office,	State of Rajasthan.
	Ram Bagh Circle,
	Tonk Road, P.B.No.12,
	Jaipur-302 004.
11.	Jammu Regional Office,	State of Jammu and Kashmir.
	Rail Head Complex,
	Post Bag No.1,
	Jammu-180 012.
12.	Kanpur Regional Office	State of Uttar Pradesh and
	Mahatma Gandhi Marg,	Uttaranchal
	Kanpur - 208 001 ][10]
13.	Mumbai Regional Office,	States of Goa and Maharashtra
	Garment House, 4th Floor,
	Dr. Annie Besant Road,
	Worli,
	Mumbai-400 018.
14.	New Delhi Regional office,	State of Haryana and
	6, Sansad Marg,	National Capital Territory
	New Delhi-110 001.	of Delhi.
15.	Patna Regional Office,	State of Bihar [and Jharkhand][10].
	South of Gandhi Maidan,
	Post Bag No.162,
	Patna-800 001.
16.	Thiruvananthapuram	State of Kerala and Union
	Regional Office,	Territory of Lakshadweep.
	Bakery Junction,
	Thiruvananthapuram-695 033.

 

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10. Inserved vide notifcation No. 150 dated June 27, 2001