Uttarakhand · Act 29 of 1976

THE UTTAR PRADESH REGULATION OF MONEY-LENDING ACT, 1976

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239 

 

THE UTTAR PRADESH REGULATION OF MONEY-LENDING ACT, 1976
1 

[U.P. ACT NO. 29 OF 1976] 

[Authoritative English Text of the Uttar Pradesh Sahukari Viniyaman Adhiniyam, 1976] 

AN 

ACT 

          to provide, in the interest of the general public, for the regulation of money-lending 

transactions and for the registration of money-lenders, and for matters connected 

therewith, or incidental thereto. 

IT IS HEREBY enacted in the Twenty-seventh Year of the Republic of India as 

follows:-- 

CHAPTER I 

Preliminary 

Short title,  

extent and  

commencement 

1- (1) This Act may be called the Uttar Pradesh Regulation of Money-Lending 

Act, 1976. 

(2) It extends to the whole of Uttar Pradesh. 

(3) It shall come into force on such date as the State Government may, by 

notification appoint in this behalf.  

Savings 2- (1)   Nothing in this Act shall apply to or in respect of – 

[(a) any loan or advance by or any deposit with any bank or a co-

operative society;]
2 

(b) any loan or advance to or by or deposit with the Government or any 

local authority, the Life Insurance Corporation of India or any other statutory 

corporation or a public company (as defined in the Companies Act, 1956), or 

the Government Post Office Saving Bank;  

(c) the purchase or sale or other transfer of any securities (not including 

mortgage of immovable property) in which a trustee may, under any law for 

the time being in force, invest trust-money ; 

(d) any loan to a subscriber to, or a depositor in a provident fund to which 

the Provident Funds Act, 1925 applies, or any recognized provident fund as 

defined in clause (38) of section 2 of the Income-tax Act, 1961 or the public 

provident fund established under the Public Provident Fund Act, 1968 from 

the amount standing to his credit in the fund in accordance with the rule of 

such fund;  

(e) any agreement referred to in section 3 of the Uttar Pradesh Public 

Moneys (Recovery of Dues) Act, 1972; 

(f) any loan, advance or deposit against a hundi or other bill of exchange 

(as defined in the Negotiable Instruments Act, 1881), or a document of title to 

goods (as defined in the Indian Sale of Goods Act, 1930) ; 

 

(Passed in Hindi by the Uttar Pradesh Legislative Assembly on April 29, 1976 and by the 

Uttar Pradesh Legislative Council on May 6, 1976).  

 (Received the Assent of the President on July 17, 1976 under Article 201 of ‘the 

Constitution of India’ and was published in the Uttar Pradesh Gazette, Extraordinary, dated 

July 20, 1976).  

1. For Statement of Objects and Reasons, please see Uttar Pradesh Gazette (Extraordinary), 

dated April 29, 1976. 

2. Ins. by U.P. Act no. 1 of 1979. 



240 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                                      [Section 3] 

 

   (g) any loan or advance to, or by, or a deposit with any society or 

association registered under the Societies Registration Act, 1869, or any 

other enactment relating to a public, religious or charitable object ; 

(h) any loan advanced to a Government servant from a fund established 

for the welfare or assistance of such servants and which is sanctioned by the 

Government. 

(2) Nothing in section 12 shall apply in respect of any loan of a sum 

exceeding rupees five thousand advanced to a registered money-lender or to a 

contractor or any other person carrying on any profession, trade or industry. 
 

Definitions 3- In this Act – 

(1) ‘bank’ means – 

(a) a banking company as defined in the Banking Regulation Act, 1949 ; 

(b) the State Bank of India constituted under the State Bank of India Act, 

1955; 

(c) a subsidiary bank as defined in the State Bank of India (Subsidiary 

Bank) Act, 1959 ; 

(d) a “corresponding new bank” constituted under the Banking 

Companies (Acquisition and Transfer of Undertakings) Act, 1970 ; 

(e) a Regional Rural Bank established under sub-section (1) of section 3 

of the Regional Rural Banks Act, 1976 ; 

(f) any banking institution notified by the Central Government under 

section 51 of the Banking Regulation Act, 1949 ; or  

(g) any other banking or financial institution notified by the State 

Government as a bank for the purposes of this Act ; 

(2) ‘business of money-lending’ means the business of advancing loans, 

whether or not in connection with or in addition to any other business; 

(3) ‘co-operative society’ means a co-operative society as defined in the 

Uttar Pradesh Co-operative Societies Act, 1965 ; 

(4) ‘interest’ in relation to a loan, includes any sum, by whatever name 

called in excess of the principal, paid or payable to a money-lender in 

consideration of or otherwise in respect of the loan, but does not include any sum 

lawfully charged by a money-lender for or on account of costs, charges or 

expenses in accordance with the provision of this Act or any other law for the 

time being in force ; 

(5) ‘loan’ means an advance at interest whether of money or in kind and 

includes any transaction which is in substance a loan, but does not include sale of 

any goods by a dealer in such goods whether on credit or on hire-purchase; 

(6) ‘money-lender’ means a person who carries on the business of money-

lending ; 

(7) ‘principal’, in relation to a loan, means the amount actually advanced to 

the debtor ; 

(8) ‘registration’ means registration under this Act, and ‘registered’ shall be 

construed accordingly.  



241 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                              [Section 4-7] 
 

CHAPTER II 

Appointment of Officers 

Registration 

Authorities 
4- (1) The State Government may, by notification, appoint a Registrar General 

of Money-lending (hereinafter referred to as the Registrar General) who shall 

have jurisdiction throughout Uttar Pradesh, and as many Registrars of Money-

lending (hereinafter referred to as Registrars) or Deputy Registrars  of Money-

lending (hereinafter referred to as Deputy Registrars), and Assistant Registrars of 

Money-lending (hereinafter referred to as the Assistant Registrars), as it thinks fit, 

each having jurisdiction over such area as may be specified. 

(2) The Registrar General shall have the superintendence, direction and 

control of and over Registrars, Deputy Registrars and Assistant Registrars in the 

performance of their functions under this Act. 
 

Power to  

inspect 

account and  

other records 

5- The Registrar General, the Registrars, the Deputy Registrars and the 

Assistant Registrars shall have such powers of inspection in respect of the 

accounts and other records of the business of money-lending carried on by any 

person, and such other powers as may be prescribed.  
 

Register of  

money-lenders 
6- Every Registrar shall maintain for the area within his jurisdiction, a register 

of money-lender in such form and containing such particulars as may be 

prescribed.  
 

CHAPTER III 

Registration of Money-lenders 

Certificate of 

Registration 
7- (1) Any person carrying on the business of money-lending on the date of 

commencement of this Act wishing to carry on such business after such 

commencement,[or any person wishing to commence such business after the said 

date,]
1
 in any part of Uttar Pradesh may apply to the Registrar within the local 

limits of whose jurisdiction he has his principal place of such business, and where 

his principal place of business is situated outside Uttar Pradesh, to any Registrar 

within the local limits of whose jurisdiction he carries on or proposes to carry on 

his business, for registration as a money-lender under this Act : 

  Provided that any person carrying on the said business [from the date of 

commencement of the Uttar Pradesh Regulation of Money-Lending (Amendment) 

Act, 1978]
2
 of this Act may apply for registration under this Act within three 

months from the date of such commencement. 

(2) The application shall be in such form and shall contain such particulars 

and shall be accompanied by a deposit of such fee, which shall be paid in such 

manner as may be prescribed. 

(3) The Registrar shall after satisfying himself that the application is in 

conformity with the requirement of sub-section (2), and that the applicant is not a 

person against whom an order under section 16 or sub-section (2) of section 22 is 

for the time being in force, enter his name and other particulars in the register of 

money-lender referred to in section 6, and grant him a certificate of registration in 

the prescribed form.  
  

1- Added by words in section 3 (a) of U.P. Act no. 1 of 1979. 

2- Substituted by section 3 (b) ibid. 



242 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                                 [Section 8-11] 

 

   (4) Such certificates shall be valid throughout Uttar Pradesh and shall, unless 

cancelled or suspended earlier under this Act, remain in force for a period of one 

year from the date of its commencement, and the money-lender shall, on payment 

of such fee as may be prescribed, be entitled to renewal of his certificate, unless 

the Registrar, for sufficient cause, refuses to renew the certificate: 

Provided that no order refusing to renew a certificate shall be passed except 

after giving to the money-lender an opportunity of showing cause. 

 
Cancellation 

and 

suspension of 

certificate of 

registration  

8- (1) The Registrar may, at any time, for sufficient cause cancel or suspend a 

certificate of registration granted under section 7 : 

Provided that no order cancelling a certificate shall be passed except after 

giving to the money-lender an opportunity of showing cause. 

(2) Where any certificate of registration is suspended or cancelled under sub-

section (1), no person shall be entitled to any compensation or to refund of any 

registration fee.  

 
Appeal 9- Any person aggrieved by an order of the Registrar refusing to grant a 

certificate under section 7 or cancelling or suspending it under section 8 may 

within thirty days from the date of such order prefer an appeal against the order to 

the Registrar General, who may thereupon pass such orders as he thinks fit. 

 
  CHAPTER IV 

Duties and Obligations of Money-lenders 
Restriction on 

business of  

money lending 

10- (1) No person shall carry on the business of money-lending, unless he holds a 

valid certificate of registration : 

 Provided that a person referred to in the proviso to sub-section (1) of section 

7 may, subject to other provisions of this Act, continue to carry on such business 

for the period mentioned in that proviso and thereafter until his application for 

registration is refused.  

(2) Every registered money-lender shall display his certificate of registration in 

such manner as may be prescribed. 

 

Maintenance 

of liquid assets 
11- (1) Every registered money-lender raising money by deposits from the public, 

shall maintain by way of liquid assets an amount which shall not, at the close of 

the business on any day, be less than twenty-five percent of his outstanding 

liabilities in respect of such deposits. 

(2)  No money-lender, referred to in sub-section (1), shall, at any time have 

invested in an unsecured loan which shall, at the close of the business on any day, 

be more than fifty percent of the deposits held by him or double the amount of 

liquid assets maintained by him, whichever is greater.  

Explanation – For the purposes of this section, the expression ‘liquid assets’, in 

relation to a money-lender, means – 

(a) balance of cash with the money-lender ; or 

(b) any amount held by him in a current or any other deposit account with 

a scheduled bank ; or  



243 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                               [Section 12-14] 
 

   (c) investment by him in unencumbered securities (not including mortgage 

of immovable property) in which trustee may, under any law for the time being in 

force, invest trust money. 

 

Maximum rate 

of interest 
12- (1) Notwithstanding anything contained in any decree, order, custom, contract 

or other instrument or any other law for the time being in force, no money-lender 

shall in respect of any loan, whether advanced before or after the commencement 

of this Act, be entitled to interest exceeding such rates as may be notified under 

sub-section (2).  

(2) The State Government may from time to time, after considering the rate of 

interest normally charged by a scheduled banks for commercial loans, notify the 

maximum  rates of interest that may be charged by money-lenders : 

Provided that different rates may be notified for secured and unsecured loans. 

(3) Any alteration in the rate of interest notified under sub-section (2) shall 

not affect the validity of any claim for interest made in respect of a loan granted 

before such alteration.  
 

Duties of a  

Money-lender 
13- (1)   Every money-lender shall - 

(a) mention or cause to be mentioned in every document evidencing a 

loan advanced by him in the course of his money-lending business – 

(i) the true principal amount ; and  

(ii) his registration number;  

(b) maintain such accounts, forms and registers as may be prescribed, 

and furnish to the Registrar such periodical returns as may be prescribed; 

(c) issue to the debtor or his agent a receipt attested by at least one 

witness for every payment made by him ; and  

(d) on payment of the prescribed charges, furnish to the debtor such 

documents or yearly statements of accounts as may be prescribed. 

(2) A debtor to whom a document or statement of account has been furnished 

under clause (d) sub-section (1), shall not be bound to acknowledge or deny its 

correctness, and his failure to do so shall not, by itself, be deemed to be an 

admission of the correctness thereof. 
 

Certain loans  

to be made  

only by cheques 

14- (1) Every loan advanced, after the commencement of this Act, by a money-

lender shall be evidenced by a cheque, if the amount of such loan is one thousand 

rupees or more : 

[Provided that nothing in this sub-section shall apply to a transaction where a 

fresh bond or promissory note is executed in lieu of a bond or promissory note 

which remains wholly or partly unpaid.]
1 

(2) Every transaction of money-lending in relation to a loan advanced in 

contravention of sub-section (1) shall be void.  

  

 

1- Add proviso in section 4 by the U.P. Act No. 1 of 1979. 



244 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                         [Section 15-18] 

 

CHAPTER IV 

Procedure in Suits 

Special 

provisions 

applicable to  

claims by  

money-lender 

15- (1) The provisions of this section shall apply to every suit, whether heard      

ex parte or otherwise –  

(a) by  a money-lender for the recovery of a loan advanced after the 

commencement of this Act ; 

(b) by a money-lender for the enforcement of any security taken or 

any agreement, whether by way of settlement of account or otherwise, made 

after the commencement of this Act in respect of any loan advanced either 

before or after such commencement; 

(c) against a money-lender for the redemption of any security given to 

him after the commencement of this Act in respect of any loan advanced 

either before or after such commencement. 

(2) In any such suit, if the court finds that the money-lender’s claim is untrue, 

wholly or in part, and that the money-lender has omitted to comply with any of the 

requirements of sub-section (1) of section 13, the court may disallow his costs and 

may also disallow the whole or any part of the interest due to him, and where the 

omission relates to the requirement of giving a receipt to the debtor for any 

payment made by him towards the loan, or where the principal amount was 

untruly stated by the money lender, may also disallow any part of the principal. 

 

Cancellation 

or suspension  

of certificate  

by court deci-  

ding suit, etc. 

16- (1) In any suit referred to in sub-section (1) of section 15, the court may, if it 

is of opinion, that the money-lender has willfully committed a breach of any of the 

provisions of this Act, cancel his certificate of registration or suspend it for such 

period as may be specified. 

(2) Any court of appeal or revision to which an appeal or revision has been 

preferred from the decision in any such suit may, for reasons to be recorded, stay 

the operation of any order under sub-section (1) on such terms, if any, as it thinks 

fit, and may modify or annul such order.  

 

General 

provisions 

relating to  

orders under  

sections 16  

and 22 

17- (1) The Court making an order under section 16 or sub-section (1) of section 

22, shall send a copy of its order to the Registrar by whom such certificate was 

issued, and the Registrar shall take necessary action accordingly . 

(2) Each of the provisions of sub-section (2) of section 15, section 16 and 

section 22 are in addition to and not in derogation of any other of the said 

provisions. 

 

Bar to  

certain suits  

by money-

lenders 

[18- No suit on the basis of any loan, agreement or security referred to in sub-

section (1) of section 15 shall be instituted by a money-lender, unless at the time 

of advancing such loan or making such agreement or taking such security- 

(a)  Such money-lender held a valid certificate of registration; or 

(b)  Such money-lender had applied for such certificate and the same had 

not been refused; or 



245 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                              [Section 19-22] 
 

  (c)  The period specified in the proviso to sub- section (1) of section 7 

had not expired.]
1 

Place of  

institution of  

suits 

19-  Notwithstanding anything contained in any contract or any law for the time 

being in force, a suit by a money-lender for the recovery of any loan advanced to a 

person actually or voluntarily residing or carrying on business or personally 

working for gain in Uttar Pradesh or interest due in respect thereof may, after the 

commencement of this Act, be instituted only in a court within the local limits of 

whose jurisdiction the debtor so resides or carries on business or works for gain, 

and not in any other court : 

        Provided that in the case of co-debtors, the suit may be instituted in a court 

within the local limits of whose jurisdiction any of ht eco-debtors so resided or 

carries on business or works of gain.  

CHAPTER IV 

Deposit of Amount by Debtor 

Deposit in  

court of  

money due to  

money-lenders 

20- (1) A debtor may, at any time, tender to a money-lender any sum of money 

payable by him to the money-lender in respect of a loan by way of principal, 

interest, or both, whether the sum has become due or not. 

(2) If the money-lender refuses to accept any sum so tendered, the debtor may 

deposit, the sum in the court of Munsif having territorial jurisdiction, to the 

account of the money-lender. 

(3) The court shall thereupon cause written notice of the deposit to be served 

on the money-lender, and he may, on presenting a petition stating the sum then due 

in respect of the loan, and his willingness to accept the said sum, receive and 

appropriate it first towards the interest and the residue, if any, towards the 

principal.  

Deposit to  

operate as  

payment to  

the creditor 

21-   Where the debtor had deposited in court any amount under section 20, the sum 

shall be deemed to have been paid to the money-lender, and interest on the 

principal or on part thereof as the case may be, shall cease from the date of such 

deposit.  

CHAPTER VII 

Offences and Penalties 

Penalties 22- (1) Whoever willfully contravenes any of the provisions of section 20 or 

section 11 shall be punishable with imprisonment for a tem which may extend to 

six months, or with fine which may extend to five thousand rupees or with both. 

(2) Any court convicting a person under sub-section (1) may also cancel his 

certificate of registration or suspend it for such period as may be specified, and any 

court of appeal or revision may stay the operation of any such order on such terms, 

if any, as it thinks fit, and may modify or annul such order. 
 

(3) No court shall take cognizance of an offence punishable under sub-section 

(1) except with the previous sanction of the Registrar. 

 
  

1- Substituted by section 5 of U.P. Act no. 1 of 1979. 



246 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                            [Section 23-25] 
 

Penalty for  

molestation of 

debtors 

23- (1) Whoever molests, or abets the molestation of, a debtor for the recovery of 

a debt due by him to a creditor shall, on conviction, be punishable with 

imprisonment of either description which may extend to three months or with fine 

which may extend to five hundred rupees or with both. 

Explanation – For the purposes of this sub-section a person who – 

(i) with intent to cause the debtor to abstain from doing any act which 

he has right to do or to do any act which he has a right to abstain from 

doing, obstructs or uses violence to or intimidates such debtor, or  

(ii) being a money-lender or an agent or employee of money-lender, 

loiters on any pay day at or within fifty meters from the outer boundary or 

gate of the factory or office in which the debtor is employed,  

      shall be deemed to molest such debtor. 

(2) Every offence punishable under sub-section (1) shall be cognizable. 
 

Offences by  

companies 
24- (1) If the person committing an offence under this Act is a company, the 

company as well as every person in charge of and responsible to the company for 

the conduct of its business at the time of the commission of the offence shall be 

deemed to be guilty of the offence and shall be liable to be proceeded against and 

punished accordingly : 

 Provided that nothing contained in this sub-section shall render any such 

person liable to any punishment if he proves that the offence was committed 

without his knowledge or that he exercised all due diligence to prevent the 

commission of such offence.  

(2) Notwithstanding anything contained in sub-section (1), where any offence 

under this section has been committed by a company and it is proved that the 

offence has been committed with the consent of connivance of, or that the 

commission of the offence is attributable to any neglect on the part of any 

managing agent, secretary, treasurer, director, manager or other officer of the 

company, such managing agent, secretary, treasurer, director, manager or other 

officer shall also be deemed to be guilty of that offence and shall be liable to be 

proceeded against and punished accordingly.  

      Explanation – For the purposes of this section – 

(a) “company” means any body corporate, and includes a firm or other 

association of individuals; and  

(b) “Director” in relation to a firm, means a partner in the firm. 
 

Compounding 

of offences 
25- (1) The Registrar General, and subject to his control, any Registrar may, either 

before or after the institution of proceeding for an offence punishable under this 

Act, accept from any person charged with such offence, by way of composition of 

the offence a sum not exceeding one thousand rupees. 

(2) On payment of such sum, no further proceeding shall be taken against the 

accuses person in respect of the same offence, and if in custody, he shall be 

discharged, and such composition shall have the effect of an acquittal of the 

accused with whom the offence has been compounded.  
 



247 

 

[The Uttar Pradesh Regulation of Money-Lending Act, 1976]                                                [Section 26-31] 

 

CHAPTER VIII 

Miscellaneous 

Particulars of 

debts and 

deposits to be 

furnished by 

every money 

lender 

26- (1)  Every money-lender carrying on the business of money-lending from 

before the commencement of this Act shall submit to the Registrar, a statement in 

the prescribed form within a period of three months from the date of such 

commencement : 

[Provided that the Registrar may on an application by such money-lender for 

sufficient cause condone the delay and accept the statement submitted within three 

months from the date of the commencement of the Uttar Pradesh Regulation of 

Money-Lending (Amending) Act, 1978.]
1
 

(2) The statement referred to in sub-section (1) shall contain the particulars of 

debts due to each money-lender and of deposits made with him and such other 

particulars as may be prescribed. 

(3) Every such statement shall be counter-signed, dated and sealed by the 

Registrar and shall be kept and maintained in the manner prescribed. 

(4) Notwithstanding anything contained in any contract, decree or order or any 

other law for the time being in force, no money-lender shall be entitled to claim 

any amount from a debtor in respect of any loan advance before the 

commencement of this Act, unless the name of such debtor and the amount due 

from him has been specified in the statement referred to in sub-section (1). 
 

Finality of  

orders 
27- (1) No order made by any officer or authority in exercise of any power 

conferred by or under this Act shall be called in question in any court. 

(2) No suit, prosecution or other legal proceeding shall lie against any person 

for anything which is in good faith done or intended to be done in pursuance of 

this Act or of any order made thereunder. 
 

Power to  

make rules 
28- The State Government may by notification make rules for carrying out the 

purpose of this Act. 
 

Repeal  [29- The Usurious Loans Act, 1918 as amended in its application to Uttar Pradesh, 

is hereby repealed with effect form August 10, 1976 in relation to loans and 

advances to which the provisions of this Act apply.]
2
 

 

Amendment 

of U.P. Act 

14 of 1940 

 

30- In the Uttar Pradesh Regulation of Agricultural Credit Act, 1940 clauses (1), 

(3) to (5) and (7) to (13) of section 2, sections 3 to 7 and 10 to 35 shall be omitted. 

Repeal of U.P. 

Act 44 of 1975 
31- The Uttar Pradesh Prohibition of Bonded Labour Act, 1975 is hereby 

repealed.  
 

 

1. Added by section 6 of U.P. Act No.1 of 1979. 
2. Subs. by section 7 ibid.    



248 

 

 

 

 

 

 

 

 

 

 

mÙkj izns”k lkgwdkjh fofu;eu vf/kfu;e] 1976
 

¿mÙkj izns”k vf/kfu;e la[;k 29 lu~ 1976À 

 

 

 

THE UTTAR PRADESH REGULATION OF MONEY-LENDING ACT, 1976
 

[U.P. ACT NO. 29 OF 1976] 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



249 

 

mÙkj izns”k lkgwdkjh fofu;eu vf/kfu;e] 1976
1 

¿mÙkj izns”k vf/kfu;e la[;k 29 lu~ 1976À 

 

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fnukad 6 ebZ] 1976 bZ0 dh cSBd esa Lohdr̀ fd;kAÀ 

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fdlh fof/k ds v/khu dj ldrk gS] mlds Ø; ;k foØ; ;k vU; vUrj.k ij ¼ftlds 

vUrxZr LFkkoj lEifÙk dk cU/kd ugha gS½( 

¼?k½ dksbZ Hkfo’; fuf/k ftl ij izkfoMsUV Q.M ,sDV] 1925 ykxw gksrk gS ;k 

dksbZ ekU;rk izkIr Hkfo’; fuf/k tSlk fd og vk; dj vf/kfu;e] 1961 dh /kkjk 2 ds 

[k.M ¼38½ esa ifjHkkf’kr gS ;k dksbZ yksd Hkfo’; fuf/k] tks yksd Hkfo’; fuf/k vf/kfu;e] 

1968 ds v/khu LFkkfir dh x;h gS] mlds vfHknkrk ;k tekdrkZ dks] fuf/k esa mlds uke 

tek jkf”k ls ,sls fuf/k ds fu;eksa ds vuqlkj fn;s x;s fdlh m/kkj ij(  

¼³½ mÙkj izns”k yksd /ku ¼ns;ksa dh olwyh½ vf/kfu;e] 1972 dh /kkjk 3 esa 

fufnZ’V fdlh djkj ij( 

¼p½ fdlh m/kkj vfxze ;k fu{ksi ij] tks fdlh gqaMh ;k vU; fofu;eu i= ij 

¼tSlk fd og ijØkE; fy[kr vf/kfu;e] 1881] esa ifjHkkf’kr gS½ ;k eky ij gd dh 

nLrkost ij ¼tSlk fd og eky foØ; vf/kfu;e] 1930 esa ifjHkkf’kr gS½ fn;k tk;( 

 

 
 

1- mn~ns”; vkSj dkj.kksa ds fooj.k ds fy;s d`i;k fnukad 29 viSzy] 1976 bZ0 dk ljdkjh vlk/kkj.k 

xtV nsf[k,A 

2- m0iz0 vf/kfu;e la0 1 o’kZ 1979 }kjk izfrLFkkfirA 



250 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À       ¿/kkjk 3À 

 

¼N½ fdlh m/kkj ;k vfxze ij tks lkslkbVh jftLVªhdj.k vf/kfu;e] 1860 

ds ;k fdlh lkoZtfud /kekZFkZ ;k iq.;kFkZ mn~ns”; ls lEcfU/kr fdlh vU; 

vf/kfu;fer ds v/khu jftLVªhdr̀ fdlh lkslkbVh ;k ,lksfl;s”ku dks ;k mlds 

}kjk fn;k tk; ;k fdlh fu{ksi ij tks mudks fn;k tk;( 

¼t½ fdlh m/kkj ij] tks fdlh ljdkjh lsod dks ,sls lsodksa ds dY;k.k 

;k lgk;rk ds fy;s LFkkfir fdlh fuf/k ls fn;k tk; vkSj tks ljdkj }kjk Lohdr̀ 

gks] ;k mlds lEcU/k esa ykxw ugha gksxhA 

 ¼2½ /kkjk 12 dh dksbZ ckr fdlh jftLVªhdr̀ lkgwdkj ;k fdlh lafonkdkj ;k dksbZ 

of̀Ùk O;kikj ;k m|ksx djus okys fdlh vU; O;fDr dks m/kkj nh x;h ikap gtkj :i;s ls 

vf/kd jkf”k ds lEcU/k esa ykxw u gksxhA 
 

3&&  bl vf/kfu;e esa & ifjHkk’kk,a 

¼1½ cSad dk rkRi;Z fuEufyf[kr ls gS %& 

¼d½ cSafdx jsX;wys”ku ,sDV] 1949 esa ifjHkkf’kr dksbZ cSaddkjh dEiuh ( 

¼[k½ LVsV cSad vkQ bafM;k ,sDV] 1955 ds v/khu xfBr LVsV cSad vkQ 

bafM;k ( 

¼x½ LVsV cSad vkQ bafM;k ¼lClhfM;jh cSad½ ,sDV] 1959 esa ijhHkkf’kr dksbZ 

leuq’kaxh cSad( 

¼?k½ cSaddkjh dEiuh ¼miØeksa dk vtZu vkSj vUrj.k½ vf/kfu;e] 1970 ds 

v/khu xfBr ^^rRleku u;k cSad**]  

¼³½ jhtuy :jy cSad ,sDV] 1976 dh /kkjk 3 dh mi/kkjk ¼1½ ds v/khu 

LFkkfir jhtujy :jy cSad ( 

¼p½ cSafdax jsX;wys”ku ,sDV] 1949 dh /kkjk 51 ds v/khu dsUnzh; ljdkj 

}kjk vf/klwfpr dksbZ cSaddkjh laLFkk] ;k  

¼N½ jkT; ljdkj }kjk bl vf/kfu;e ds iz;kstukFkZ cSad ds :i esa 

vf/klwfpr dksbZ vU; cSaddkjh ;k foRrh; laLFkkA 

¼2½ ^^lkgwdkjh dkjckj** dk rkRi;Z m/kkj nsus ds dkjckj ls gS pkgs og fdlh vU; 

dkjckj ds lEcU/k esa gks ;k mlds vfrfjDr gks ;k u gks( 

¼3½ ^^lgdkjh lfefr** dk rkRi;Z mÙkj izns”k lgdkjh lfefr vf/kfu;e] 1965 esa 

ifjHkkf’kr lgdkjh lfefr ls gS( 

¼4½ ^^C;kt** ds vUrxZr m/kkj ds lEcU/k esa dksbZ ,slh /kujkf”k gS pkgs mldk uke 

dqN Hkh gks] tks m/kkj ds izfrQykFkZ ;k vU;Fkk mlds lEcU/k esa lkgwdkj dks ewy/ku ds 

vfrfjDr nh xbZ ;k ns; gks] fdUrq mlds vUrxZr lkgwdkj }kjk [kpZ] izHkkj ;k O;; ds fy;s 

;k mlds dkj.k bl vf/kfu;e ds micU/kksa ds vuqlkj fof/kiwoZd yh tkus okyh dksbZ /kujkf”k 

ugha gS ( 

¼5½ ^^m/kkj** dk rkRi;Z udnh ;k ftUlh C;kt ij nh tkus okyh jkf”k ls gS vkSj 

mlds vUrxZr dksbZ ,slk leO;ogkj gS tks rRor% m/kkj gks fdUrq mlds vUrxZr fdlh eky 

dk ,sls eky ds O;kikjh }kjk lk[k ij ;k voØ; ij foØ; ugha gS( 

¼6½ ^^lkgwdkj** dk rkRi;Z ,sls O;fDRk ls gS] tks lkgwdkjh dk dkjckj djrk gks( 

¼7½ ^^ewy/ku** dk rkRi;Z fdlh m/kkj ds lEcU/k esa] _.kh dks oLrqr% nh x;h 

/kujkf”k ls gS( 

¼8½ ^^jftLVªhdj.k** dk rkRi;Z bl vf/kfu;e ds v/khu jftLVªhdj.k ls gS] vkSj 

^^jftLVªhdr̀ dk vFkZ rnuqlkj yxk;k tk;xkA 



251 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À              ¿/kkjk 4&7À 
 

v/;k; &2 

vf/kdkfj;ksa dh fu;qfDRk 

       4&& ¼1½ jkT; ljdkj vf/klwpuk izdkf”kr djds] ,d iz/kku jftLVªkj] lkgwdkjh 

¼ftls vkxs iz/kku jftLVªkj dgk x;k gS½ ftldh vf/kdkfjrk lEiw.kZ mÙkj izns”k esa gksxh] 

vkSj mrus lkgwdkjh jftLVªkj ¼ftUgsa vkxs jftLVªkj dgk x;k gS½ ;k] lkgwdkjh mi jftLVªkj 

¼ftUgs vkxs mi jftLVªkj dgk x;k gS½ vkSj lkgwdkjh lgk;d jftLVªkj ¼ftUgsa vkxs lgk;d 

jftLVªkj dgk x;k gS½ ftrus og mfpr le>s] fu;qDr dj ldrh gS vkSj muesa ls izR;sd 

dh vf/kdkfjrk ,sls {ks= esa gksxh] tks fufnZ’V dh tk;A  

 

jftLVªhdj.k izkf/kdkjh 

¼2½ iz/kku jftLVªkj dk v/kh{k.k] funs”ku vkSj fu;a=.k jftLVªkj] mi jftLVªkj vkSj 

lgk;d jftLVªkj ij bl vf/kfu;e ds v/khu muds dR̀;ksa ds lEiknu ds laca/k esa gksxkA 

 

      5&& iz/kku jftLVªkj] jftLVªkj] mi jftLVªkj vkSj lgk;d jftLVªkj] dks fdlh Hkh 

O;fDr }kjk fd;s tk jgs lkgwdkjh ds dkjckj ds ys[kksa vkSj vU; vfHkys[kksa ds lEcU/k esa 

fujh{k.k djus dh “kfDr vkSj ,slh vU; “kfDr gksxh] tks fofgr dh tk;A 

 

Yks[kk vkSj vU; vfHkys[kksa 

dk fujh{k.k djus dh 

“kfDr 

     6&& izR;sd jftLVªkj viuh vf/kdkfjrk ds vUrxZr {ks= ds fy;s lkgwdkjksa dk ,d 

jftLVj ,sls izi= esa j[ksxk vkSj muesa ,sls C;ksjs fn;sa tk;asxs] tks fofgr fd;s tk;aA 

 

Lkkgwdkjksa dk jftLVj 

v/;k; & 3 

lkgwdkjksa dk jftLVªhdj.k 

7&& ¼1½ ;fn bl vf/kfu;e ds izkjEHk ds fnukad ij lkgwdkjh dk dkjckj djus 

okyk dksbZ O;fDr og dkjckj mÙkj izns”k ds fdlh Hkkx esa ,sls izkjEHk ds i”pkr~ djuk 

pkgrk gS ¿;k dksbZ O;fDr mDr fnukad ds i”pkr~ ,slk dkjckj mRrj izns”k ds fdlh Hkkx esa 

izkjEHk djuk pkgrk gSÀ
1
 rks og] ftl jftLVj dh vf/kdkfjrk dh LFkkuh; lhekvksa ds Hkhrj 

mlds dkjksckj dk eq[; LFkku fLFkfr gks] mldks vkSj tgka mlds dkjckj dk eq[; LFkku 

mÙkj izns”k ds ckgj fLFkr gS og fdlh jftLVªkj dks] ftldh vf/kdkfjrk dh LFkkuh; 

lhekvksa ds Hkhrj mlds }kjk dkjckj fd;k tk; ;k djuk izLrkfor gks] bl vf/kfu;e ds 

v/khu lkgwdkjksa ds :i esa jftLVªhdj.k ds fy;s vkosnu&i= ns ldrk gS % 

jftLVªhj.k dk izek.k&i= 

ijUrq bl vf/kfu;e ds izkjEHk gksus ds igys ls mDr dkjckj djus okyk dksbZ 

O;fDr ¿mRrj izns”k lkgwdkjh fofu;eu la”kks/ku½ vf/kfu;e] 1979 ds izkjEHk ds fnukad lsÀ
2
 

rhu ekl ds Hkhrj bl vf/kfu;e ds v/khu jftLVªhdj.k ds fy, vkosnu&i= ns ldrk gSA 

¼2½ vkosnu&i= ,sls izi= esa gksxk vkSj mlesa ,sls C;ksjs fn;sa tk;saxs vkSj mlds lkFk 

,slh Qhl tek dh tk;xh] ftldk Hkqxrku ,slh jhfr ls fd;k tk;xk] tks fofgr fd;s 

tk,aA 

¼3½ jftLVªkj viuk ;g lek/kku djus ds i”pkr~ fd vkosnu&i= mi/kkjk ¼2½ dh 

vis{kkvksa ds vuq:i gS vkSj vkosnd ,slk O;fDr ugha gS] ftlds fo:) /kkjk 16 ;k 22 dh 

mi/kkjk ¼2½ ds v/khu dksbZ vkns”k rRle; izoÙ̀k gS] mldk uke vkSj vU; C;ksjs /kkjk 6 esa 

fufnZ’V lkgwdkj jftLVj esa ntZ djsxk vkSj mls fofgr izi= esa jftLVªhdj.k dk izke.k&i= 

nsxkA 

 

 
1- m0iz0 vf/kfu;e la[;k 1 o’kZ 1979 dh /kkjk 3 ¼d½ }kjk c<k;k x;kA  
2- mi;qZDRk dh /kkjk 3 ¼[k½ }kjk izfrLFkkfirA 



252 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À            ¿/kkjk 8&11À 
 

¼4½ ,slk izek.k&i= lEiw.kZ mÙkj izns”k esa ekU; gksxk vkSj tc rd fd og bl 

vf/kfu;e ds v/khu igys gh fujLr ;k fuyfEcr u dj fn;k tk;] vius izkjEHk gksus ds 

fnukad ls ,d o’kZ dh vof/k ds fy;s izoÙ̀k jgsxk] vkSj lkgwdkj ,slh Qhl nsus ij] tks fofgr 

dh tk;] vius izek.k&i= ds uohdj.k ds fy;s gdnkj gksxk tc rd fd jftLVªkj i;kZIr 

dkj.k ls izek.k&i= dk uohdj.k djus ls bUdkj u djs ijUrq fdlh izek.k&i= dk 

uohdj.k djus ls bUdkj djus dk dksbZ vkns”k rc rd ugha fn;k tk;xk tc rd fd 

lkgwdkj dks dkj.k crkus dk volj u ns fn;k x;k gksA 

 

         8&& ¼1½ jftLVªkj fdlh Hkh le;] i;kZIr dkj.ko”k] /kkjk 7 ds v/khu fn;s x;s 

jftLVªhdj.k ds izek.k&i= dks fujLr ;k fuyfEcr dj ldrk gS % 

jftLVªhdj.k ds izek.k& 

i= dk fujlu vkSj  

fuyEcu 

ijUrq fdlh izek.k&i= dks fujLr djus dk dksbZ vkns”k rc rd ugha fn;k tk;xk 

tc rd fd lkgwdkj dks dkj.k crkus dk volj u ns fn;k x;k gksA 

¼2½ tgka mi/kkjk ¼1½ ds v/khu jftLVªhdj.k dk dksbZ izek.k&i= fuyfEcr ;k fujLr 

fd;k tk; ogka dksbZ O;fDr fdlh izfrdj ;k fdlh jftLVªhdj.k Qhl dks okil ikus dk 

gdnkj u gksxkA 

 

      9&& /kkjk 7 ds v/khu izek.k&i= u nsus ;k /kkjk 8 ds v/khu mls fujLr ;k 

fuyfEcr djus ds jftLVªkj ds vkns”k ls O;fFkr dksbZ O;fDr ,sls vkns”k ds fnukad ls rhl 

fnu ds Hkhrj iz/kku jftLVªkj dks ml vkns”k ds fo:) vihy dj ldrk gS] tks ml ij 

,slk vkns”k nsxk] ftls og mfpr le>sA 

vihy 

 

v/;k; & 4 

lkgwdkj ds dÙkZO; vkSj nkf;Ro 

      10&& ¼1½ dksbZ O;fDr lkgwdkjh dk dkjckj ugha djsxk tc rd fd mlds ikl 

jftLVªhdj.k dk ekU; izek.k&i= u gks % 

Lkkgwdkjh ds dkjckj ij 

fucZU/ku 

ijUrq /kkjk 7 dh mi/kkjk ¼1½ ds ijUrqd esa fufnZ’V O;fDr bl vf/kfu;e ds vU; 

micU/kksa ds v/khu jgrs gq, mDr ijUrqd esa mfYyf[kr vof/k i;ZUr vkSj rRi”pkr~ tc rd 

fd jftLVªhdj.k ds fy;s mldk vkosnu&i= vLohdr̀ u dj fn;k tk;] dkjckj djrk 

jgsxkA 

¼2½ izR;sd jftLVªhdr̀ lkgwdkj vius jftLVªhdr̀ izek.k&i= dk izn”kZu ,slh jhfr 

ls djsxk] tks fofgr dh tk;A 

 

      11&& ¼1½ izR;sd jftLVªhdr̀ lkgwdkj] tks vekur ds :i esa turk ls /ku dk 

mn~xzg.k djrk gS] nzO; lEifÙk ¼fyfDoM vlsV~l½ ds :i esa ,slh jkf”k dks lqjf{kr j[ksxk] 

tks dkjckj dh lekfIr ij fdlh fnu ,sls vekurksa ds lEcU/k esa mlds ifj’kks/kuh; nkf;Ro 

ds iPphl izfr”kr ls de u gksA  

udn ifjlEifÙk dk 

vuqj{k.k 

¼2½ mi/kkjk ¼1½ esa fufnZ’V dksbZ lkgwdkj fdlh le; ,sls vizfrHkwr m/kkj esa tks 

fdlh Hkh fnu dkjckj cUn djus ij mlds ikl tek /kujkf”k ds ipkl izfr”kr ;k mlds 

}kjk vujf{kr udn ifjlEifÙk;ksa ds nqxqus ls vf/kd /kujkf”k tks Hkh vf/kd gks] fofu;ksftr 

ugha djsxkA 

Li’Vhdj.k& bl /kkjk ds iz;kstuksa ds fy;s] lkgwdkj ds lEcU/k esa in ^^nzO; 

lEifÙk** dk rkRi;Z fuEufyf[kr ls gS %& 

¼d½ lkgwdkj ds ikl jksdM+ ckdh ( ;k 

¼[k½ fdlh vuqlwfpr cSad esa pkyw [kkrk ;k fdlh vU; fu{ksi ys[ks esa 

mlds }kjk /k`r dksbZ /kujkf”k] ;k 



253 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À      ¿/kkjk 12&14À 

 

¼x½ LFkkoj lEifÙk ds cU/kd dks NksM+dj ,sls HkkjeqDr izfrHkwfr;ksa esa mlds 

}kjk fofu;kstu] ftlesa dksbZ U;klh rRle; izoÙ̀k fdlh fof/k ds v/khu U;kl /ku 

dk fofu;kstu dj ldrk gSA 

 

     12&& ¼1½ dksbZ lkgwdkj] rRle; izoÙ̀k fdlh fcØh] vkns”k] :f<+] lafonk ;k fyf[kr 

;k rRle; izoÙ̀k fdlh vU; fof/k esa fdlh ckr ds gksrs gq, Hkh] fdlh m/kkj ds lEcU/k esa] 

pkgs og bl vf/kfu;e ds izkjEHk gksus ds iwoZ ;k i”pkr~ fn;k x;k gks] ,slh nj ls vf/kd 

nj ij C;kt ysus dk gdnkj u gksxk] ftls mi/kkjk ¼2½ ds v/khu vf/klwfpr fd;k tk;A 

C;kt dh vf/kdre nj 

¼2½ jkT; ljdkj] okf.kfT;d m/kkj ds fy;s vuqlwfpr cSadksa }kjk lkekU;r;k yh 

tkus okyh C;kt dh nj ij fopkj djus ds i”pkr~ C;kt dh vf/kdre nj vf/klwfpr dj 

ldrh gS] tks lkgwdj ys ldrk gS % 

ijUrq izfrHkwr vkSj vizfrHkwr m/kkj ds fy;s fHkUu&fHkUu nj vf/klwfpr dh tk ldrh 

gSA 

¼3½ mi/kkjk ¼2½ ds v/khu vf/klwfpr C;kt dh nj esa fdlh ifjorZu ls ,sls ifjorZu 

ds iwoZ fn;s x;s fdlh m/kkj ds lEcU/k esa C;kt ds fdlh nkos dh fof/kekU;rk ij dksbZ izHkko 

ugha iM+sxkA 

 

     13&& ¼1½ izR;sd lkgwdj % Lkkgwdkj ds dÙkZO; 

¼d½ vius lkgwdkjh ds dkjckj ds nkSjku fn;s x;s fdlh m/kkj ds lk{; 

Lo:i izR;sd nLrkost esa %& 

¼,d½ okLrfod ewy/ku] vkSj 

¼nks½ viuh jftLVªhdj.k la[;k] mfYyf[kr djsxk ;k djk;sxk ( 

¼[k½ ,slk ys[kk] izi= vkSj jftLVj j[ksxk] tks fofgr fd;s tk;sa vkSj 

jftLVªkj dks ,slh fu;rdkfyd fooj.kh izLrqr djsxk] tks fofgr dh tk;s] 

¼x½ _.kh ;k mlds ,tsUV }kjk fd;s x;s izR;sd Hkqxrku ds fy;s mls de 

ls de ,d lk{kh }kjk vfHkizekf.kr jlhn nsxk] vkSj 

¼?k½ fofgr izHkkj dk Hkqxrku djus ij _.kh dh ,slk nLrkost ;k okf’k Zd 

ys[kk&fooj.k nsxk] tks fofgr fd;s tk;sA 

¼2½ dksbZ _.kh] ftls mi/kkjk ¼1½ ds [k.M ¼?k½ ds v/khu dksbZ nLrkost ;k 

ys[kk&fooj.k fn;k x;k gks] mldh lR;rk dks vfHkLohdkj ;k vLohdkj djus ds fy;s ck/; 

u gksxk vkSj mlds }kjk ,slk u djuk Lor% mldh lR;rk dks Lohdkj dj ysuk ugha le>k 

tk;xkA 
 

      14&& ¼1½ bl vf/kfu;e ds izkjEHk gksus ds i”pkr~ fdlh lkgwdkj }kjk fn;k tkus 

okyk izR;sd m/kkj] ;fn ,sls m/kkj dh /kujkf”k ,d gtkj :i;s ;k blls vf/kd gks] pSd 

}kjk fn;k tk;xk % 

dfri; m/kkj dsoy pSd 

}kjk fn;k tk;xk 

¿ijUrqd bl mi/kkjk dh dksbZ ckr fdlh ,sls laO;ogkj ij ykxw u gksxh tgka iw.kZ 

;k vkaf”kd :i ls vlanRr cU/k&i= ;k cpu&i= ds cnys esa u;k cU/k&i= ;k cpu&i= 

fu’ikfnr fd;k tk;AÀ
1 

¼2½ mi/kkjk ¼1½ ds mYya?ku esa fn;s x;s fdlh m/kkj ds lEcU/k esa lkgwdkjh dk 

izR;sd laO;ogkj “kwU; gksxkA 
 

  
1-   m0 iz0 vf/kfu;e la0 1 o’kZ 1979 dh /kkjk 4 }kjk c<k;k x;kA 



254 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À        ¿/kkjk 15&18À 

 

v/;k; & 5 

okn izfØ;k 

15&&  ¼1½ bl /kkjk ds micU/k& 

¼d½ fdlh lkgwdkj }kjk bl vf/kfu;e ds izkjEHk gksus ds i”pkr~ fn;s x;s 

m/kkj dh olwyh ds fy;s] 

Lkkgwdkj ds nkoksa dk 

izksT; fo”ks’k micU/k 

¼[k½ fdlh lkgwdkj }kjk fdlh m/kkj ds lEcU/k esa] pkgs og bl vf/kfu;e 

ds izkjEHk gksus ds iwoZ fn;k x;k gks ;k mlds i”pkr~] bl vf/kfu;e ds izkjEHk gksus 

ds Ik”pkr~ yh x;h fdlh izfrHkwfr ;k fd;s x;s fdlh djkj dks] pkgs og ys[kk 

ifj”kks/ku ds :i esa ;k vU; izdkj ls gks] izoÙ̀k djus ds fy,]  

¼x½ fdlh lkgwdkj ds fo:) fdlh m/kkj ds lEcU/k esa] pkgs og bl 

vf/kfu;e ds izkjEHk gksus ds iwoZ ;k mlds i”pkr~ fn;k x;k gks] bl vf/kfu;e ds 

izkjEHk gksus ds i”pkr~ mls nh x;h fdlh izfrHkwfr ds ekspu ds fy;s] 

 izR;sd okn ij] pkgs mldh lquokbZ ,d i{kh; dh tk; ;k vU; izdkj 

ls] ykxw gksaA  

¼2½ fdlh ,sls okn esa] ;fn U;k;ky; dks ;g izrhr gks fd lkgwdkj dk nkok] iw.kZr% 

;k va”kr% vlR; gS] vkSj ;g fd lkgwdkj us /kkjk 13 dh mi/kkjk ¼1½ dh fdlh Hkh vis{kk dk 

ikyu djus esa pwd dh gS rks U;k;ky; mls okn&O;; dk fn;k tkuk vLohdkj dj nsxk vkSj 

mls ns; lEiw.kZ C;kt ;k mlds fdlh Hkkx dks Hkh vLohdr̀ dj ldrk gS] vkSj tgka bl 

vis{kk ds fo’k; esa pwd dh xbZ gS fd m/kkj fo’k;d fdlh Hkqxrku ds fy;s _.kh dks jlhn 

nh tk;xh ;k tgka lkgwdkj }kjk ewy/ku dks lgh ugha crk;k x;k gS] ogka U;k;ky; ewy/ku 

ds fdlh Hkkx dks Hkh vLohdkj dj ldrk gSA 

 

16&& ¼1½ /kkjk 15 dh mi/kkjk ¼1½ esa fufnZ’V fdlh ckr esa] ;fn U;k;ky; dh ;g 

jk; gks fd lkgwdkj us bl vf/kfu;e ds fdlh Hkh micU/k dk tkucw>dj mYya?ku fd;k gS] 

rks og mldk jftLVªhdj.k izek.k&i= fujLr dj ldrk gS ;k ,slh vof/k ds fy;s] tks 

fofufnZ’V dh tk; fuyfEcr dj ldrk gSA 

¼2½ dksbZ vihy ;k iqujh{k.k U;k;ky;] ftlds ;gka fdlh ,sls okn ds fofu”p; ds 

fo:) dksbZ ;k iqujh{k.k izLrqr fd;k x;k gks] dkj.k vfHkfyf[kr djds mi/kkjk ¼1½ ds 

v/khu fdlh vkns”k ds izorZu dks ,slh “krksZa ij] ;fn dksbZ gks] ftUgsa og mfpr le>sa 

LFkfxr dj ldrk gS] vkSj ,sls vkns”k dk ifj’dkj ;k vfHk“kwU;u dj ldrk gSA 

 

Okkn vkfn fu.khZr djus 

okys U;k;ky; }kjk 

izek.k&i= dk fujlu ;k 

fuyEcu 

17&& ¼1½ /kkjk 16 ;k /kkjk 22 dh mi/kkjk ¼2½ ds v/khu dksbZ vkns”k nsus okyk 

U;k;ky; vius vkns”k dh ,d izfrfyfi ml jftLVªkj dks Hkstsxk] ftlus mDr izek.k&i= 

tkjh fd;k gks vkSj jftLVªkj rnuqlkj vko”;d dk;Zokgh djsxkA 

¼2½ /kkjk 15 dh mi/kkjk ¼2½] /kkjk 16 vkSj /kkjk 22 ds micU/kksa esa ls izR;sd micU/k] 

mDr micU/kksa esa ls fdlh Hkh vU; micU/k ds vfrfjDr gS vkSj muesa ls fdlh vU; micU/k 

dk vYihdkjd u gksxkA                                                                            

/kkjk 16 vkSj 22 ds v/khu 

vkns”kksa ds laca/k lkekU; 

micU/k esa 

¿18&& fdlh lkgwdkj }kjk /kkjk 15 dh mi/kkjk ¼1½ esa fufnZ’V fdlh lkgwdkjksa ds 

dfri; m/kkj] djkj ;k izfrHkwfr ds v/kkj ij dksbZ okn lafLFkr ugha fd;k tk ldsxk] tc 

rd u fd ,slk m/kkj nsrs le; ;k ,slk djkj djrs le; ;k ,slh izfrHkwfr ysrs le; &&  

¼d½ ,slk lkgwdkj jftLVªhdj.k ;k fof/kekU; izek.k&i= /kkj.k djrk jgk gks( ;k 

¼[k½ ,slk lkgwdkj ,sls izek.k&i= ds fy, vkosnu dj pqdk gks] tks vLohdr̀ u 

dj fn;k x;k gks( 

 

Lkkgwdkjksa ds dfri; oknksa 

ij jksd 



255 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À      ¿/kkjk 19&22À 

  

¼x½ /kkjk 7 dh mi/kkjk ¼1½ ds ijUrqd esa fofufnZ’V vof/k vlekIr jgh gksAÀ
1 

 
19&&  rRle; izoÙ̀k fdlh lafonk ;k fdlh fof/k esa fdlh ckr ds gksrs gq, Hkh] fdlh 

lkgwdkj }kjk mÙkj izns”k esa okLro esa ;k LosPNk ls fuokl djus okys ;k dksbZ dkjckj djus 

okys ;k ykHk ds fy;s Lo;a dk;Z djus okys O;fDRk dks fn;s x;s fdlh m/kkj ;k mlds 

lEcU/k esa ns; C;kt dh olwyh ds fy;s bl vf/kfu;e ds izkjEHk gksus ds i”pkr~ okn dsoy 

,sls U;k;ky; esa ftldh vf/kdkfjrk dh LFkkuh; lhekvksa ds Hkhrj _.kh fuokl djrk gS ;k 

dkjckj djrk gS ;k ykHk ds fy, dk;Z djrk gS] u fd fdlh vU; U;k;ky; esa lafLFkr 

fd;k tk ldrk gS % 

       ijUrq lg&_.kh dh fLFkfr esa okn ,sls U;k;ky; ls lafLFkr fd;k tk;xk] ftldh 

vf/kdkfjrk dh LFkkuh; lhekvksa ds Hkhrj dksbZ lg&_.kh fuokl djrk gS ;k dkjckj djrk 

gS ;k ykHk ds fy;s dk;Z djrk gSA 

 

Okkn lafLFkr fd;s tkus 

dk LFkku 

v/;k; & 6 

_.kh }kjk /kujkf”k dk tek fd;k tkuk 

 

     20&& ¼1½ dksbZ _.kh vius }kjk lkgwdkj dks fdlh m/kkj ds lEcU/k esa ewy /ku] 

C;kt ;k nksuksa ds :i esa ns; /kujkf”k dk fufonk lkgwdkj dks dj ldrk gS] Hkys gh og 

/kujkf”k ns; gks pqdh gks ;k ughaA 

      ¼2½ ;fn lkgwdkj] bl izdkj fufonÙk dksbZ /kujkf”k Lohdkj u djs rks _.kh ml 

/kujkf”k dks eqfUlQ ds U;k;ky; esa] ftldh {ks=h; vf/kdkfjrk gks] ml lkgwdkj ds uke 

tek dj ldrk gSA 

      ¼3½ rnqijkar U;k;ky; tek dh x;h /kujkf”k dk fyf[kr uksfVl lkgwdkj ij rkehy 

djk;sxk] vkSj og ,slh ;kfpdk nsus ij] ftlesa m/kkj ds lEcU/k esa rRle; ns; /kujkf”k vkSj 

mDr /kujkf”k dks ysus dh Lohd̀fr mfYyf[kr gksxh] ml /kujkf”k dks izkIr dj ldrk gS 

vkSj mldk fofu;kstu izFker% C;kt ds izfr vkSj vo”ks’k /kujkf”k dk] ;fn dksbZ gks] ewy/ku 

ds izfr dj ldrk gSA 

 

Lkkgwdkj dks ns; /kujkf”k 

dk U;k;ky; esa tek 

fd;k tkuk 

21&& tgka _.kh us /kkjk 20 ds v/khu dksbZ /kujkf”k U;k;ky; esa tek dh gks ogka 

,slh /kujkf”k lkgwdkj dks Hkqxrku dh x;h le>h tk;xh] vkSj ;FkkfLFkfr] ewy/ku ;k mlds 

Hkkx ij C;kt dk yxkuk bl izdkj tek fd;s tkus ds fnukad ls lekIr gks tk;xkA 

 

tek dh xbZ /kujkf”k 

lkgwdkj dks Hkqxrku dh 

xbZ le>h tk;xh 

v/;k; & 7 

vijk/k vkSj “kkfLr 

22&& ¼1½ /kkjk 10 ;k /kkjk 11 ds fdlh micU/k dk tkucw> dj mYya?ku djus 

okyk dksbZ O;fDRk ,slh vof/k ds fy;s dkjkokl ls] tks N% ekl rd gks ldrk gS] ;k tqekZuk 

ls] tks ikap gtkj :i;s rd gks ldrk gS ;k nksuksa ls n.Muh; gksxkA 

“kkfLr 

¼2½ mi/kkjk ¼1½ ds v/khu fdlh O;fDr dks nks’k fl) djus okyk U;k;ky; mlds 

jftLVªhdj.k dk izek.k&i= Hkh fujLr dj ldrk gS ;k mls ,slh vof/k ds fy;s fuyfEcr 

dj ldrk gS] tks fofufnZ’V dh tk;] vkSj dksbZ vihy ;k iqujh{k.k U;k;ky; ,sls fdlh 

vkns”k ds izorZu dks ,slh “krksZa ij] ;fn dksbZ gks] ftUgsa og mfpr le>s] LFkfxr dj ldrk 

gS vkSj ,sls vkns”k dks ifj’dr̀ ;k fu’izHkkoh dj ldrk gSA  

¼3½ dksbZ U;k;ky;] jftLVªkj dh iwoZ Lohdf̀r ds flok;] mi/kkjk ¼1½ ds v/khu 

n.Muh; fdlh vijk/k dk laKku ugha djsxkA 
 

 
1&   m0iz0 vf/kfu;e la0 1 o’kZ 1979 dh /kkjk 5 }kjk izfrLFkkfirA 



256 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À           ¿/kkjk 23&25À 
 

23&& ¼1½ tks dksbZ _.kh }kjk _.knkrk dks ns; _.k dh olwyh ds fy;s _.kh dks 

mRihfM+r djrk gS ;k mRihfM+r djus ds fy;s nq’izsfjr djrk gS] og nks’k flf) ij] nksuksa esa 

ls fdlh izdkj ds dkjkokl ls] tks rhu ekl rd gks ldrk gS ;k tqekZuk ls tks ikap lkS 

:i;s rd gks ldrk gS] ;k nksuksa ls n.Muh; gksxkA 

_.kh dks mRihfM+r djus 

ds fy, “kkfLr 

 

Li’Vhdj.k& bl mi/kkjk ds iz;kstukFkZ ;g le>k tk;xk fd og O;fDr tks & 

¼,d½ bl vk”k; ls fd _.kh dks ml dk;Z ls] ftls djus dk mls 

vf/kdkj gS] fojr djk;k tk;] ;k og dk;Z] ftls fojr gksus dk mls vf/kdkj gS] 

mlls djk;k tk;] ml _.kh dk vojks/k djrk gS ;k mlds izfr fgalk ;k vfHk=kl 

dk iz;ksx djrk gS] ;k  

¼nks½ lkgwdkj ;k lkgwdkj dk ,tsaV ;k deZpkjh gksus ds ukrs fdlh osru 

fnol ij ml dkj[kkuk ;k dk;kZy; dh ckgjh lhek ;k QkVd ij ftlesa _.kh 

lsok;ksftr gks] ;k mlls ipkl ehVj ds vUnj pDdj yxkrk gS] og ml _.kh dk 

mRihM+u djrk gSA 

¼2½ mi/kkjk ¼1½ ds v/khu n.Muh; izR;sd vijk/k laKs; gksxkA  

 

      24&&  ¼1½ ;fn bl vf/kfu;e ds v/khu fdlh vijk/k dks djus okyk dksbZ O;fDr 

dksbZ dEiuh gks rks og dEiuh vkSj vijk/k djus ds le; ml dEiuh ds dk;Z lapkyu dk 

izHkkjh vkSj mlds fy;s dEiuh ds izfr mÙkjnk;h izR;sd O;fDRk ml vijk/k ds fy;s vijk/kh 

ekuk tk;xk vkSj rnuqlkj dk;Zokgh fd;s tkus vkSj naM fn;s tkus dk Hkkxh gksxk % 

dEifu;ksa }kjk vijk/k 

ijUrq bl mi/kkjk dh dksbZ ckr ,sls fdlh O;fDr dks bl vf/kfu;e esa micaf/kr 

fdlh naM dk Hkkxh ugha cuk;sxh] ;fn og lkfcr dj ns fd vijk/k mldh tkudkjh ds 

fcuk fd;k x;k Fkk ;k mlus ml vijk/k ds fd;s tkus ds fuokj.k ds fy;s lHkh lE;d~ 

rRijrk cjrh FkhA 

¼2½ mi/kkjk ¼1½ esa fdlh ckr ds gksrs gq, Hkh] tc fd blds v/khu dksbZ vijk/k 

fdlh dEiuh us fd;k gks vkSj ;g lkfcr gks tk; fd og vijk/k ml dEiuh ds fdlh izcU/k 

vfHkdrkZ] lfpo] dks’kk/;{k] funs”kd] izcU/kd ;k vU; vf/kdkjh dh lEefr ;k ekSukuqdwyrk 

ls fd;k x;k gS ;k mis{kk tfur gS rks og izcU/k vfHkdrkZ] lfpo] dks’kk/;{k] funs”kd] 

izcU/kd ;k vU; vf/kdkjh Hkh ml vijk/k ds fy;s vijk/kh ekuk tk;xk vkSj rnuqlkj 

dk;Zokgh fd;s tkus vkSj n.M fn;s tkus dk Hkkxh gksxkA 

Li’Vhdj.k& bl /kkjk ds iz;kstuksa ds fy,& 

¼d½ ^^dEiuh** dk rkRi;Z fdlh fuxfer fudk; ls gS vkSj blds vUrxZr dksbZ 

QeZ ;k O;fDRk;ksa dk leLr vU; leqnk; Hkh gS( vkSj  

¼[k½ fdlh QeZ ds laca/k esa] ^^funs”kd** dk rkRi;Z ml QeZ ds Hkkxhnkj ls gSA 

 

     25&& ¼1½ iz/kku jftLVªkj] vkSj mlds fu;a=.k ds v/khu] dksbZ jftLVªkj bl 

vf/kfu;e ds v/khu naMuh; fdlh vijk/k ds fy;s dk;Zokgh lafLFkr fd;s tkus ds iwoZ ;k 

i”pkr~ ,sls vijk/k ds fy, fdlh nks’kkjksfir O;fDr ls vijk/k ds “keu ds :i esa ,d 

gtkj :i;s ls vuf/kd jkf”k Lohdkj dj ldrk gSA 

vijk/kksa dk “keu 

¼2½ ,slh jkf”k ds Hkqxrku djus ij] mlh vijk/k ds laca/k esa vfHk;qDr O;fDr ds 

fo:) dksbZ vxzrj dk;Zokgh ugha dh tk;xh] vkSj ;fn vfHkj{kk esa gks] rks mls mUeqDr dj 

fn;k tk;xk vkSj ,sls “keu dk izHkko ml vfHk;qDr dks nks’keqDr djuk gksxk] ftlds vijk/k 

dk “keu fd;k x;k gksA 

 



257 

 

¿mÙkj izns”k lkgwdkjh fou;eu vf/kfu;e] 1976À           ¿/kkjk 26&31À 
 

v/;k; & 8 

izdh.kZ 

     26&& ¼1½ bl vf/kfu;e ds izkjEHk gksus ds iwoZ ls lkgwdkjh dk dkjckj djus okyk 

izR;sd lkgwdkj jftLVªªkj dks ,sls izkjEHk ds fnukad ls rhu ekl dh vof/k ds Hkhrj fofgr 

izi= esa fooj.k&i= izLrqr djsxk % 

izR;sd lkgwdkj _.k 

vkSj tek /kujkf”k dk 

C;kSjk nsxk 

 

¿ijUrqd jftLVkj ,sls lkgwdkj }kjk vkosnu i= nsus ij] i;kZIr dkj.k gksus ij 

foyEc dk ekQ dj ldrk gS vkSj mRrj izns”k lkgwdkjh fofu;eu ¼la”kks/ku½ vf/kfu;e] 1978 

ds izkjEHk ds fnukad ls rhu ekl ds Hkhrj izLrqr fd;s x;s fooj.k&i= dks lohdkj dj 

ldrk gSAÀ
1 

¼2½ mi/kkjk ¼1½ esa fufnZ’V] fooj.k&i= esa] izR;sd lkgwdkj dks izkI; _.k vkSj mlds 

ikl tek /kujkf”k dk C;kSjk vkSj ,slk vU; C;ksjk fn;k tk;xk] tks fofgr fd;k tk;A 

¼3½ izR;sd ,sls fooj.k&i= ij jftLVªkj }kjk fnukad lfgr izfrgLrk{kj fd;s tk;saxs 

vkSj eqgj yxk;h tk;xh vkSj mUgsa fofgr jhfr ls j[kk vkSj vuqjf{kr fd;k tk;xkA 

¼4½ rRle; izoÙ̀k fdlh lafonk] fMØh ;k vkns”k ;k fdlh vU; fof/k esa fdlh ckr 

ds gksrs gq, Hkh] dksbZ lkgwdkj bl vf/kfu;e ds izkjEHk ds iwoZ fn;s x;s fdlh m/kkj ds laca/k 

esa fdlh _.kh ls fdlh /kujkf”k ds nkok djus dk gdnkj u gksxk] tc rd fd mi/kkjk ¼1½ 

esa fufnZ’V fooj.k&i= esa ,sls _.kh dk uke vkSj mlls izkIr /kujkf”k fofufnZ’V u gksA 

 

     27&& ¼1½ bl vf/kfu;e ds }kjk ;k v/khu iznÙk fdlh “kfDr dk iz;ksx djds fdlh 

vf/kdkjh ;k izkf/kdkjh }kjk fn;s x;s fdlh vkns”k ij fdlh U;k;ky; esa vkifÙk ugha dh 

tk;xhA 

 

¼2½ bl vf/kfu;e ds ;k blds v/khu fn;s x;s fdlh vkns”k ds vuqlj.k esa ln~Hkko 

ls fd;s x;s ;k fd;s tkus ds fy;s vk”kf;r fdlh ckr ds fy;s fdlh O;fDr ds fo:) 

dksbZ okn] vfHk;ksx ;k fof/kd dk;Zokgh ugha dh tk;xhA 

 

 

vkns”kksa dk vafre gksuk 

28&& jkT; ljdkj] vf/klwpuk izdkf”kr djds] bl vf/kfu;e ds iz;kstuksa dks 

dk;kZfUor djus ds fy;s fu;e cuk ldrh gSA 

 

 

fu;e cukus dh “kfDr 

¿29&& mRrj izns”k esa viuh izof̀Rr ds lEcU/k esa ;Fkkla”kksf/kr vfrC;kt m/kkj 

vf/kfu;e] 1918 dks ,sls m/kkj vkSj vfxze ds lEcU/k esa ftl ij ;g vf/kfu;e ykxw gksrk 

gS] fnukad 10 vxLr] 1976 ls ,rn~}kjk fujflr fd;k tkrk gSAÀ
2 

 

 

fujlu 

30&& ;w0ih0 jsxqys”ku vkQ ,xzhdYpjy ØsfMV ,sDV] 1940 esa /kkjk 2 ds [kaM ¼1½ 

¼3½ ls ¼5½ vkSj ¼7½ ls ¼13½] /kkjk 3 ls 7 vkSj 10 ls 35 fudky nh tk;xhA 

 

 

;w0ih0 ,sDV 14] 1940 dk 

la”kks/ku 

31&& mÙkj izns”k caf/kr Je izfr’ks/k vf/kfu;e] 1975 ,rn~}kjk fujLr fd;k tkrk 

gSA 

mÙkj izns”k vf/kfu;e la[;k 

44] 1975 dk fujlu 

 

 

 

1- m0iz0 vf/kfu;e la[;k 1 o’kZ 1979 dh /kkjk 6 }kjk c<k;k x;kA 

2- mi;qZDr dh /kkjk 7 }kjk izfrLFkkfirA  


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About this act

Jurisdiction
Uttarakhand
Enactment date
1976-07-20
Sections available
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Source and version

India Code, Government of India. Text fetched 17 Oct 2026. Check the linked official text and subsequent notifications when applying a provision.

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THE UTTAR PRADESH REGULATION OF MONEY-LENDING ACT, 1976 — English | NYAYA SIGNAL

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