How to conduct Chits

1982 se tI{ Nnn \nbaw 30-4-2012 apX tIc-f-n \ne-hn hp. Cu \nb-a-ns ASn-m-\-n 2012 Pq amkw 4mw XnXn apX tIcf Nnn \nbaw dqkv {]m_-ey-n hn-p--Xm-Wv.

]pXnb Nnn dqkv {]Imcw Nnn-I Bcw-`n-p--Xn-\p {]mY-anI am \nt-i-

Prepared by :

RAJITH DAVIS ATTATHARA ADVOCATE

Published by All Kerala Chitty Foremans Association, Thrissur

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Nnn \nbaw 1982, 85-mw hIpp {]Imcw Cu \nbaw \ne-hn hcp-Xn\p ap]p Nnn-Iv Cu BIvSv _m[-I-am-bn-cn-n-. DZml-c-W-n-\v, 30-4-12 BWv tI{ Nnn \nbaw tIc-f-n \ne-hn h-Xv. Bb-Xp-sImp Xs 30-4-12 \v ap]p NnnIv Cu \nbaw _m[-I-am-Ip--X-. Bsms Nnn \Smw? ]pXnb \nb-a{]-Imcw hyn-Iv, ]mvWjnv m]-\, I\n \nb-a-{]-Imcw cPn-kv{Sm-nb I-\n-I tIm-td-ohv skmsskn, Ipdp hyn-IfpsS Iqmbva Fn-hv Nnn \S-mhp-Xm-Wv. Ccw m]-\v Nnn \S-p-Xn\v Nnn-p-Ibn \nb-{W-aptm? Hmtcm hn`m-K-ns m]- -\-pw Nnn \S-p--Xn\v ~ aggregate NnnpI kw_-nv \nb-{Ww Gs-Sp-n-bn-p-v. BbXv Xmsg ]dbpw {]Im-cam-Ip-p. Hcp hyn \S-p m]-\-n\v ]c-am-h[n 1 ew cq] am{Xw NnnpI hcp Nnn \S-p-hm km[n-q. ]mvWjnv t^w As-n hyn-I-fpsS Iqm-bva-bm-sW-n ]mvWam-cpsS Fw 4 Ipd-bm-Xm-sW-n ]c-am-h[n 6 ew cq]bpw 4 Ipd-hm-sW-n Hmtcm hynpw ]c-am-h[n 1 ew F \ne-bn 3 ew hsc-bm-Im-hp--Xm-Wv. t^mam Hcp I-\ntbm tIm-td-ohv skmssk-ntbm BsW-n Ah-cpsS _mekv jon {]kvXm-hn-n-cn-p {]Im-c-ap net owned fund s 10 aS-n Ign-bm XpI hsc aggregated Nnn-p-Ibm-Im-hp-Xm-Wv. DZm-lcWn-\,v I-\n-bpsS Cu hjs _mekv jov {]Imcw - - net owned fund 2 ew cq]-bm-sW-n ]c-am-h[n 20 ew cq] hscbp Nnn-I Bcw-`n-m-hp--XmWv Nnn-bpsS Imem-h[n ]pXnb \nb-a-{]-Imcw Nnn-bpsS Imem-h[n 5 hj-am-Wv. Fm kwm\ km-cns {]tXyI A\p-aXn-tbm-Sp-IqSn 10 hjw hscbm-m-hp-Xm-Wv. -

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Nnn cPn-kv{Sm- tI{ Nnn \nb-a-ns ASn-m-\-n tIcf km NnnbpsS N- cq]-s-Sp-n-bn-p-v. AXp-{]-Imcw AXmXv A[n-Imc ]cn-[n-bn-ep kv cPn-kv{Sm-dmWv Nnn Akn- v cPn-kv{Sm-. Hmtcm Pn-bn-sebpw Pnm cPn-kv{Smam-cm-bn-cnpw Nnn sU]yqn cPnkv{Sm. Nnn-bpsS A\p-aXn \Ip-Xn\v sU]yqn cPn-kv{SmmWv A[n-Im-cap-Xv. Bb-Xn-\p-thn FORM I {]Im-c-ap At] Nnn Bcw-`nm-\p-t-in-p t^mam 3 tImn klnXw Nnn Akn- v cPnkv{Smv \tI-Xm-Wv. A{]-Imcw \Ip At]-tbm-sSmw _mekv jons HmUn- kmy-s-Sp-nb 3 ]Iv lmP-cm-Ww. IqSmsX aXn-bmb skIyq-cnn \tI--Xm-Wv. A{]-Imcw kan-p At]-I Akn- v cPn-kv{Sm Pn cPn-kv{Smv kan-p-Xpw Pn cPn-kv{Sm AXns ]In Nnn Ckvs]IvSv \Ip-Xpw Nnn Ckvs]-IvSdpsS At\z-jW dntmns ASn-m-\-n sU]yqn cPn-kv{Sm Nnn Bcw-`n-p--Xn-\p A\p-aXn \Ip-Xm-Wv. A{]-Imcw Nnn Bcw-`n-p-Xn-\p At]-tbm-sSmw Nnn F{Kn-sans IcSv klnXw kan-t--Xm-Wv. XpSv A\p-aXn e`n {]Imcw hcn-m-cpsS t]cp-hn-hcw \Ip apdv Nnn Bcw-`n-m-hp-Xm-Wv. (C-Xn-s\-p-dn-p hni-Z-hn-h-c- CsXm-nv tNn-cnpp.) Nnn Bcw-`n-p--Xn-\p At] t^mw Nnn F{Kn-sa v cPn-kv{Sm-p--Xn-\p At] t^mw, Nnn F{Kn-sans amXrI Fnh CsXm-nv hbvp-p.

Nnn cPn-kv{Sm
tIcf Nnn dqkv 2012 3mw hIpp {]Imcw cPn-kvt{S-j Unmpsa v sF.-Pn. bmWv Nnn cPn-kv{Sm. Hmtcm Pn-bnse cPn-kv{Smamsc Nnn sU]yqn cPn-kv{Sm-dmbn \nb-an-n-p-Xpw 4mw hIpp {]Im-c-ap Authorised officer sU]yqn cPn-kv{Sm-dm-Ipp 3 (d) hIpp {]Imcw Hcp kv cPn-kv{Sm-^o-knse kv cPnkv{Smamsc Nnn Akn- v cPn-kv{Sm Bbn \nb-an-n-p--Xm-Wv. Nnn Bcw-`n-p-Xn\v apIq A\p-aXn e`n-bv

* Nnn Bcw-`n-p--Xn\v BZyambn t^mam I\n t_mUv tbmKw

{]Imcw IqSn Ipdn/Nnn/Bcw-`n-p-hm Xocp-am-\sa-Sp-t-Xm-Wv. Nnn Bcw-`n-p--Xn\v apIq A\p-a-Xnv At] Nnn Bcw-`n-pXn\v apIq A\p-aXn e`n-p--Xn\v t^mdw {]Imcw At] kan-t--Xm-Wv. At]--tbm-sSmw lmP-cm-t--Xmb tcJ-I Nnn Previous Sanction \pthn At] kan-t-Xv kv cPnkv{Sm Hm^o-kp-I-fn-em-Wv.
Security Sufficiency Certificate \mbn Form X

At] sImSp-t-Xm-Wv. -

Bb-Xn\v ^okv C. 50% _mv sUtm-knv Akn- v cPn-k{Sm-dns HutZym-KnI Auv n \nt-]n--Ww. _mn 50% _mv Kymc-n. sUtm-knpw _mv Kymc-nbpw Nnn Imem-h[n-tb-m 1 hjw IqSp-X CSp-XmWv DNn-Xw. CXns\ XpSv Previous Sanction \p thn Xmsg ]d-bp tcJ-I 3 tImn Akn- v cPnkv{Smv kan-t-XmWv 1) Akn- v cPn-kv{Sm \evIp Sufficiency Certificate 2) Form No.1 Dw Annexure Dw

3) Audited Balance Sheet for last financial year 4) XpSv application date hsc-bp balance statement 5) Certificate of Net Owned Asset from CA 6) Chit Agreement in Form VIII 7) Memorandum and Article of Association/ Partnership Deed 8) Registration Certifcate / Certificate of Incorporation. 9) Resolution to start Chitty
Application Fees - 25/-

Nnn Akn- v cPn-kv{Sm At] e`n-m sNp \S-]Sn {Iaw 1. 2. At]-tbm-sSmw A\p-_ tcJ-Ifp-sSbpw Hcp tImn kqnv 2 ]Iv Nnn sU]yqn cPn-kv{Smv Ab-psImSpp-p. Nnn sU]yqn cPn-kv{Sm Hcp tImn ssIhiw shv A\p-_ tcJ-I klnXw Hcp tImn Nnn Ckvs]-IvSv ]cn-tim-[\bvv \Ipp. Nnn Ckvs]-IvS ]cn-tim-[-\bvv tijw hni-Z-amb ]cn-tim-[-\bpsS ASn-m-\n sU]yqn cPn-kv{Smv dntmv \Ip-p. sU]yqn cPn-kv{Sm dntmv e`n-Xns ASn-m-\n At] A\p-hZn-p-Itbm \nc-kn-p-Itbm sNp-p. -

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Nnn Bcw-`n-p-Xn-\p A\p-aXn e`n-m Xe-bm (t^mam) I-\nbvv ]ckyw sNbvXv Ipdn hcn-msc tNm-hp--Xm-Wv. ]c-kyn A\p-aXn \{v hy-am--Ww. Nnn cPn-kvt{S-j Nnn A\p-aXn {]Im-c-ap hcn-msc tNn Ign-m Form II ]d-bp Nnn DS-Sn, hcn-m-cpsS t]cp hnh-c- klnXw Akn, cPnkv{Smv Nnn cPn-kvt{S-j sNp--Xn\v At] kan--Ww. A{]-Imcw \Inb At] {]Imcw Nnn cPn-kv{Sv sNbvXv kn^n-v cPn-kv{Sm Xe-bm-fn\v \Ip-p. Cu cPn-kvt{S-j {]Imcw Nnn Bcw-`n-m-hp--Xm-Wv. Xe-bm Nnn Bcw-`np Ign-m Hmtcm \dp-s-Sp-n-sbpw an\nvkv Form XX {]Imcw ^b sNt--Xm-Wv.

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Xe-bm Nnn Bcw-`n-p--Xn\v skIyq-cnn \IpXn\p \S-]Sn-{I-a Nnn ke-bpsS ]IpXn AwKn-IrX _mn Nnn Akn- v cPnkv{Sm-dpsS t]cn sUtm-knv sN-Ww. _mn ]Ip-Xnv _mv Kymcn \In-bm aXn-bm-Ip--Xm-Wv. CuSmbn mhc hkvXp \Ip-Ibm-sW-n Nnn ke-bpsS 2 Ccn hne-h-cp hkvXp CuSmbn \I-Ww.

(Nnn Bcw-`n-p--Xn-\p Bh-iy-amb {]k--amb tIcf Nnn dqkv 2012 s ae-bmf ]cn-`m-jbpw amXrI t^md-fpw CsXm-nv tNn-cn-p-p.)

At]--tbm-sSmw lmP-cm-t--Xmb tcJ-I Nnn Previous Sanction \pthn At] kan-t-Xv kv cPnkv{Sm Hm^o-kp-I-fn-em-Wv.
Security Sufficiency Certificate \mbn Form X

At] sImSp-t-Xm-Wv. -

Bb-Xn\v ^okv C. 50% _mv sUtm-knv Akn- v cPn-k{Sm-dns HutZym-KnI Auv n \nt-]n--Ww. _mn 50% _mv Kymc-n. sUtm-knpw _mv Kymc-nbpw Nnn Imem-h[n-tb-m 1 hjw IqSp-X CSp-XmWv DNn-Xw. CXns\ XpSv Previous Sanction \p thn Xmsg ]d-bp tcJ-I 3 tImn Akn- v cPnkv{Smv kan-t-XmWv 1) Akn- v cPn-kv{Sm \evIp Sufficiency Certificate 2) Form No.1 Dw Annexure Dw 3) Audited Balance Sheet for last financial year 4) XpSv application date hsc-bp balance statement 5) Certificate of Net Owned Asset from CA 6) Chit Agreement in Form VIII 7) Memorandum and Article of Association/ Partnership Deed 8) Registration Certifcate / Certificate of Incorporation. 9) Resolution to start Chitty
Application Fees - 25/-