SURFAESI ACT MALAYALAM

1. 20
20
2002e m - W v C - ´ y ³ ] m
À - e - s a â v k À - ^ m -
kn (SARFAESI) Securitisation and
Recontsruction of Financial Assets and
EnforcementofSecurtiyInterestAct,2002
n-b-aw-]m-Êm-¡n-b-Xv.
hm-bv-]-I-fp-sS Xn-cn-¨-S-hv ap-S-§n-
bm [--Im-cy Øm-]--§Ä-¡v t-
cn-«v P-]v-Xn -S-]-Sn-IÄ -S-¯m-p-Å
A-[n-Im-cw sIm-Sp-¡p-¶ n-b-a-am-Wn-
Xv. n-b-a-{]-Im-cw Xn-cn-¨-S-hv ap-S-§n-b
hm-bv-]-I-sf n-jv-{In-bm-kv-Xn-bp-sS
]-cn-[n-bn sIm-≠p h-cm-pw tI-kv
c-Pn-ÌÀ sN-¿m-p-am-Ipw.
hm-bv-]mXn-cn-¨-S-hp-IÄXp-SÀ-¨-bm-
bn ap-S-¡n-bm _m-¦p-IÄ-¡v hm-bv-]
Xn-cn-¨-S-hv ap-X-em-¡m³ -S-]-Sn-IÄ
kzo-I-cn-bv-¡mw. C-Xn-v hm-bv-]-IÄ-¡v
Cu-Sm-bn Â-In-b h-kv-Xp-hpw sI-«n-
S-hpw P-]v-Xn sN-bv-Xv te-ew sN-¿m³
_m-¦p-I-sf k-lm-bn-¡p-¶ ]p-Xn-b
n-b-a-am-Wv kÀ-^m-kn n-b-aw. H-cp
e-£w cq-]-bv-¡v Xm-sg-bp-Å hm-bv-]-
IÄ-¡v C-Xp _m-[-I-am-In-Ã.
Cu-Sn-Ãm-¯ hm-bv-]-I-fpw kÀ-^m-
kn n-b-a-¯nsâ ]-cn-[n-bn h-cn-Ã.
A-Xp-sIm-≠p X-s¶ hm-bv-] F-Sp-¡p-
¶-hÀ Xn-cn-¨-S-hv ap-S-§m-Xn-cn-bv-¡m³
{i-²n-bv-¡-Ww.
[--Im-cy Øm-]--§Ä-¡v Iq-Sp-
XÂA-[n-Im-cwÂ-Ip-¶n-b-a-am-Wv
kÀ-^m-kn.hm-bv-]-bp-sSXn-cn-¨-S-hvap-S-
§n-bmÂ,{]-kv-Xp-XA-¡u-≠vtm¬
s]À-t^m-an-Mv A-k-äv B-bn {]-Jym-]n-
¡m³ _m-¦n-v km-[n-¡p-¶p. hm-bv-]
Xn-cn-¨-S-¡p-¶-Xn aq-¶p K-Up-¡Ä
Xp-SÀ-¨-bm-bnho-gv-N-h-cp-¯n-bmÂCu-
Sm-bnÂ-In-bh-kv-Xp_m-¦n-vt-cn-«p
]n-Sn-s¨-Sp-¡m-pwhnÂ-¡m-pwn-b-aw
A-[n-Im-cw Â-Ip-¶p. Cu-Sv h-kv-Xp
Sm-Iv-kv tI-cf | s^{_phcn 2023
Special Story
kv-s]-jy tÌm-dn
Adv.CRSivakumar
Eranakulam
Mob:9846085824
kÀ-^m-kn (SARFAESI) Act, 2002-
{]-[m--am-bpw A-dn-tb-@ hn-h-c-§Ä
(SARFAESI) Securitisation and Recontsruction of Financial Assets and Enforcement of Se-
curtiy Interest Act, 2002
hm-bv-]m Xn-cn-¨-S-hp-IÄ
Xp-SÀ-¨-bm-bn ap-S-¡n-bmÂ
_m-¦p-IÄ-¡v hm-bv-]
Xn-cn-¨-S-hv ap-X-em-¡m³
-S-]-Sn-IÄ kzo-I-cn-bv-¡mw.
C-Xn-v hm-bv-]-IÄ-¡v Cu-
Sm-bn Â-In-b h-kv-Xp-hpw
sI-«n-S-hpw P-]v-Xn sN-bv-Xv
te-ew sN-¿m³ _m-¦p-I-
sf k-lm-bn-¡p-¶
]p-Xn-b n-b-a-am-Wv
kÀ-^m-kn n-b-aw

2. 21
s^{_phcn 2023 | Sm-Iv-kv tI-cf
Special Story kv-s]-jy tÌm-dn
]n-Sn-s¨-Sp-¡m³ tIm-S-Xn D-¯-c-hv th-
≠. hm-bv-]m h-kv-Xp-hn tm-«o-kv
]-Xn-¨v _m-¦n-v G-sä-Sp-¡mw. I-S-sa-
Sp-¯-bmÄ 60 Zn-h-k-¯n-p-Ån ]q
À-W-am-bpw Xn-cn-¨-S-hv -S-¯-W-sa-¶v
tm-«o-kv A-b-bv-¡m-pw _m-¦n-v I-gn-
bpw.n-Ýn-Xk-a-b-]-cn-[n-bnÂIp-Sn-Èn-
I-kw-Jy]qÀ-W-am-bnXn-cn-¨-S-bv-¡m³
km-[n-¨n-sÃ-¦nÂ_m-¦n-vP-]v-Xn-S-]-
Sn-IÄ kzo-I-cn-¡mw. I-S-sa-Sp-¯-bm-
fn n-¶v P-]v-Xn ap-Jm-´-cw kw-Jy
Cu-Sm-¡m-m-bn-sÃ-¦nÂ, Pm-ay-¡m-cp-
sS Øm-h-c-Pw-K-a-§Ä P-]v-Xn sN-¿p-
¶-Xn-pw _m-¦n-v A-[n-Im-c-ap-≠m-bn-
cn-¡pw. H-cp e-£-¯n Xm-sg-bp-Å,
h-kv-Xp-Cu-Sv Â-Im-¯ hm-bv-]-¡p
am-{X-am-Wv n-b-aw _m-[-I-a-Ãm-¯-Xv.
Xn-cn-¨-S-t¡-≠ Xp-I F-Sp-¯ hm-bv-]-
bp-sS20%i-X-am--¯nÂXm-sg-bm-sW-
¦n-epw n-b-aw _m-[-I-am-In-Ã.
Ir-Xy-am-b -S-]-Sn-{I-aw ]m-en-¨p-
am-{X-ta Cu n-b-a-{]-Im-cw ]-Ww
Xn-cn-¨p-]n-Sn-¡m³ ]m-Sp-Åq. C-Xn-
v BÀ-_n-sF amÀ-¤-nÀ-t±-i-§Ä
Â-In-bn-«p-≠v.
(1) Xm-Xv-¡m-en-I-am-b ho-gv-N-IÄ
tm¬ s]À-t^m-an-Mv A-Ê-äm-bn
{]-Jym-]n-¡-cp-Xv.
(2)tÌm-¡vtÌ-äv-saâ vÂ-Ip-¶-Xv
ssh-IÂ, Øm-]--¯n-sâ {I-b-
ti-jn-sb I-hn-ªp nÂ-¡p-¶
hm-bv-]m-_m-¡n Xp-S-§n-b-h, H-cp
hm-bv-]-sb tm¬ s]À-t^m-an-Mv
A-k-äm-bn {]-Jym-]n-¡m³ ]-cym-
]v-X-a-Ã.
(3) H-cp B-kv-Xn-sb tm¬ s]
À-t^m-an-Mv A-k-äm-bn {]-Jym-
]n-¨p I-gn-ªm-epw _m-¦p-IÄ
D-S³ P-]v-Xn -S-¯-cp-Xv. hm-bv-]-
sb-Sp-¯-bmÄ 90 Zn-h-kw Xp-SÀ-
¨-bm-bn Xn-cn-¨-S-hv ap-S-¡p-I-bpw
C-Xv ho-≠pw 12 am-k-t¯m-fw t]m-
Ip-I-bpw sN-bv-Xm A-bm-fp-sS
Cu-Sp Â-In-b B-kv-Xn tm¬
s]À-t^m-an-Mv A-k-äm-bn am-dp-¶p.
C-tXm-sS_m-¦n-vn-b--S-]-Sn-IÄ
-S-¯mw. C-Xn-v, A-Sp-¯ A-dp-]-
tIm-S-Xn-bn lm-P-cm-¡n-
bm n-b-a-]-c-am-bn
n-e-nÂ-¡p-¶
hm-bv-]m tc-J-IÄ-
A-Sn-Øm--s¸-Sp-¯n
am-{X-ta kÀ-^m-kn
n-b-a-hpw n-e-nÂ-¡q

3. 22 Sm-Iv-kv tI-cf | s^{_phcn 2023
Special Story
kv-s]-jy tÌm-dn
G-ä-hpw {]-[m--am-b-Xv
n-b-a-¯n ]-d-bp-¶
sk-£³ 13(2) tm-«o-kn-
p Ir-Xy-am-b a-dp-]-Sn
hm-bv-] F-Sp-¯-bmÄ
A-b-t¡-@Xm-Wv
XvZn-h-k-¯n--Iwhm-bv-]Xn-cn-¨-S-
bv-¡-W-sa-¶tm-«o-kvÂ-I-Ww.
(4) H-cp hm-bv-] tm¬ s]À-t^m-
an-Mv A-k-äm-bn am-dp-¶-Xn-pw
A-Xn-p ti-j-ap-Å a-äp n-b-a--
S-]-Sn-IÄ -S-¡p-¶-Xn-p-sa-Ãmw
k-a-b-{I-aw ]m-en-¡-Ww. hm-bv-]-
sb-Sp-¯-bmÄ-¡v 17 am-k-t¯m-fw
e-`n-¡p-¶p.
]-e-hn-[Im-c-W-§-fmÄ,kÀ-^m-
kn n-b-a-s¯ H-cp I-cn-n-b-a-am-bn
s]m-Xp-P-w I-cp-Xp-¶p.
•P-]v-Xn-S-]-Sn-I-fnÂ-(ExceptDRT)
tIm-S-Xn-bp-sS C-S-s]-SÂ- km-[y-
a-Ã.
•_m-¦p-IÄ-¡v Pm-ay B-kv-Xn-I-fn-
t·ÂG-Xp-S-]-Sn-¡pwtIm-S-Xn-bp-
sS A-p-a-Xn B-h-iy-an-Ã.
• B-kv-Xn-bn-t·Â BÄ-¯m-a-k-
ap-s≠-¦n A-Xv H-gn-¸n-¡m-pw
_m-¦n-v t-cn-«v km-[n-¡pw.
• tImÀ-¸-td-äp-h-Xv-¡-c-Ww Iq-Sp-
XÂ i-à-am-¡p-¶p.
•BÀ-_n-sF nÀ-t±-in-¡p-¶ am--
Z-Þ-§Äan-¡-t¸m-gpw_m-¦p-IÄ
]m-en-¡m-dn-Ã.
CuA-[n-Im-cw{]-tbm-Kn-¡p-¶-Xn-
vNn-eA-Sn-Øm--Im-c-W-§ÄD-≠m-
h-Ww.Xn-cn-¨-S-hp-ap-S-§n-bm-ep-S³kÀ-
^m-kn {]-tbm-Kn-¡m-m-hn-Ã.
(1)dn-kÀ-hv _m-¦v nÀ-h-N--{]-Im-
cw n-jv-{In-b-B-kv-Xn B-bn Xp-S-cp-¶
hm-bv-]-IÄ (A-S-hp _m-¡n 90 Zn-h-k-
¯n A-[n-I-cn-¨ hm-bv-]-IÄ; {l-kz
Im-e ImÀ-jn-I hm-bv-]-I-fn c-≠v hn-
f-h-Sp-¸vIm-e-§-fn-e-[n-IwA-h-[n_m-
¡n h-¶-h)Xn-cn-¨p ]n-Sn-¡p-hm-t Cu
n-b-aw D-]-tbm-Kn-¡m-hq.
(2)]-en-i-b-S-¡wNp-cp-§n-b-Xv H-cp
e-£w-cq-]-sb-¦n-epw _m-e³-kv n
Â-¡p-¶ hm-bv-]-IÄ am-{X-am-Wv kÀ-
^m-kn n-b-a-¯n-sâ ]-cn-[n-bnÂ-h-
cn-I.
(3)F-Sp-¯ Xp-I-bpw A-Xn-v Xp-S-
¡w ap-XÂ m-fn-Xp h-sc-bp-Å ]-eni-
bpwtNÀ-¯Xp-I-bp-sS20i-X-am--¯n-
e-[n-Iw C-t¸mÄ _m-¡n n Â-¡p-¶
hm-bv-]-IÄ Xn-cn-¨p ]n-Sn-¡p-hm-t
kÀ-^m-kn-n-b-aw D-]-tbm Kn-¡m-hq.
D-Zm-l-c-W-¯n-v, 10 e-£w-cq-] hm-bv-
]-bm-bnF-Sp-¯-Xn-vI-gn-ªA-©zÀ-
j-§-fn-em-bnB-sIA-©ve-£wcq-]
]-en-i NmÀ-Pv sN-bv-Xn-«p-≠v F-¶v h-bv-
¡p-I. A-Xm-b-¯n-cn-¨-S-¨-Xpw Xn-cn¨-
S-bv-¡m-p-Å-Xpw tNÀ-¯v sam-¯w
Xp-I ]-Xn--©v e-£w cq-]. C-t¸mÄ
_m-¡n-nÂ-¡p-¶ Xp-I ]-en-i-bpw ap-
X-epw tNÀ-¯v aq-¶v e-£-¯n Iq-Sp-
XÂ,A-Xm-b-Xv,3,00,000cq-]01ss]-k-
sb-¦n-epw, D-s≠-¦n-te kÀ-^m-kn-¡v
{]m-_-ey-ap-Åq.
(4)hm-bv-]m-tc-J-IÄ Im-e-l-c-W-
s¸-«n-«p-s≠-¦n kÀ-^m-kn n-b-aw
{]tbm-Kn-¡m-m-hn-Ã. tIm-S-Xn-bnÂ
lm-P-cm-¡n-bm n-b-a-]-c-am-bn n-
e-nÂ-¡p-¶ hm-bv-]m tc-J-IÄ-A-Sn-
Øm--s¸-Sp-¯n am-{X-ta kÀ-^m-kn
n-b-a-hpw n-e-nÂ-¡q. s]m-Xp ta-J-
em _m-¦n-se-ko-n-bÀ am-t-Pv-saâ v-
t{K-Uv -4 F-¶ km-t¦-Xn-I kw-Ú-
bm A-dn-b-s¸-Sp-¶ No-^v-am-t-PÀ
dm-¦n-tem a-äv _m-¦p-I-fn X-¯p-ey
]-Z-hn-bnepÅ D-tZym-K-ØÀ-t¡m am-
{X-ta-kÀ-^m-kn n-b-aw D-]-tbm-Kn-
¡p-hm-p-Å "A-[n-Im-c-s¸-Sp-¯n-b
D-tZym-K-Ø-mbn -{]-hÀ-¯n-¡m-m-
Ip-I-bp-Åq. kÀ-^m-kn-n-b-a-{]-Im-cw
A-[n-Im-cw kn-²n-¨-bm-fm-Wv 'A-[n-
Im-c-s¸-Sp¯n-b D-tZym-K-س'; a-ämÀ-
¡pw A-[n-Im-c-s¸-S-p¯m³ A-[n-Im-
c-an-Ã.
G-ä-hpw {]-[m--am-b-Xv n-b-a-
¯n ]-d-bp-¶ sk-£³ 13(2) tm-
«o-kn-p Ir-Xy-am-b a-dp-]-Sn hm-bv-]
F-Sp-¯-bmÄ A-b-t¡-≠-Xm-Wv. Sn
hn-j-b-¯n H-cp ho-gv-N-bpw h-cp-¯p-
hm³ ]m-Sn-Ã. Sn a-dp-]-Sn H-cp Sn hn-j-b-
¯n {]-ho-Wy-ap-Å H-cp A-`n-`m-j-
I-s consult sN-bv-Xp sIm-≠v X-s¶
A-b-¸n-¡p-I-tbm A-b-¡p-I-tbm sN-
¿p-I. sk-£³ 13(2) ap-XÂ 13(4) h-sc-
bp-Å n-b-a-¯n-se hn-h-c-§Ä Ir-Xy-
am-bn a--kn-em-¡n th-Ww Im-cy-§Ä
ssI-Im-cyw sN-t¿-≠-Xv.
te-J-I³ ssl-t¡m-S-Xn-bn kn-
hn /{In-an- /kÀ-ho-kv /`-c-W-L-
S-m/Sm-Iv-kv hn-j-b-§Ä ssI-Im-cyw
sN-¿p-¶ A-`n-`m-j-I-m-Wv.

4. D-ÅS¡w Contents
Pn-F-kv-Snh-Ip-¸n-sâ]p-x-{I-ao-I-c-Ww
n-Ip-XnZm-b-IÀ-¡pwA-h-sc
k-lm-bn-¡p-¶-hÀ-¡pwD-]-Im-c-{]-Z-am-I-Ww 14
GST sk-£³.129
ZpÀ-hym-Jym-wsN-¿-s¸-Sp-¶p-thm? 16
kÀ-^m-kn(SARFAESI)Act,
2002-{]-[m--am-bpwA-dn-tb-@hn-h-c-§Ä 20
hn-th-I-¯n-sâ]m-ew
_p-¡vdn-hyq-hn-kv-Uw{_n-Uv-Pv 28
kw-Øm--¯vIm-ä-dnw-KvØm-]--§Ä-¡v
sse-k³-kvnÀ-_-Ô-am-¡p-¶p;
sam-ss_ÂB-¸vD-S³X-s¶tem-©vsN-¿pw 40
C-e-{În-¡Âhm-l--§-fp-sStem-Iw;hm-l--§Ä
hm-§p-¶-Xvem-`-I-c-am-tWm? 41
skm-ssk-än-bpw{S-Ìpw
X-½n-ep-Åhy-Xym-kw 42
n-[nI-¼-n-IÄF-¶km-¼-¯n-IØm-]--§Ä-¡vF-´p-]-än? 44
FSSAI c-Pn-kv-t{S-j³/sse-k³-kv
F-Sp-¡m-¯-Xn-sâA--´-c-^-e-§Ä 50
{_m³-Unw-Kv ap-XÂ
hym-]m-c-ap-{Z h-sc: _n-kn--Êv
h-fÀ-¨-bv¡pÅ Nn-e X-{´-§Ä
m-Sn-sâ hn-I-k--¯n-m-bn
H-¶n-¨p nÂ-¡-W-sa-¶ k-tµ-i-
am-bn kw-cw-`-I a-lm-kw-K-aw
]-cm-Xn A-b-¡p-t¼mÄ
H-cn-¡-epw, hn-Im-c-{]-I-S--§-fpw
hn-Nm-c-§-tfm A-Ã
A-hn-sS-bm-h-iyw, hn-th-I-am-Wv
08
30
38
20
H-cp ]p-Xn-b _n-kn--Êv H-cp ÌmÀ-«-¸v A-sÃ-¦nÂ
Øm-]n-X _n-kn--Êv B-bn B-cw-`n-¡p-I-bm-
sW-¦nÂ, H-cp -Ã _n-kn--Êv I¬-kÄ-«ânÂ
n-¶p-Å k-lm-bw, XoÀ-¨-bm-bpw _n-kn--kn-
sâ B-Zy Zn-h-k-§-fnÂ, an-¡ kw-cw-`-I-cpw h-cp-
¯p-¶ sX-äp-IÄ h-cp-¯m-Xn-cn-¡m³, n-§Ä-¡v
H-cp h-en-b ]n-´p-W-bm-bn-cn-¡pw
]-¯v am-k-§Ä-¡p-Ån B-cw-`n-¨
1,24,249 kw-cw-`-§Ä kw-Øm--¯n-
sâ {]-tim-`--am-b hy-h-km-b
`m-hn-sb-bm-Wv Im-Wn-¡p-¶-sX-¶v
ap-Jy-a-{´n {io ]n-W-dm-bn hn-P-b³-
]-d-ªp.
{]-iv--§Ä h-cp-t¼mÄ an-¡
BÄ-¡m-cpw H-cn-¡-epw H-cp ]-cm-Xn
A-b-¡m-tm A-sÃ-¦n A-Xn-p-th-
≠n an--s¡-Sm-tm {i-an-¡n-Ã
6
14
23
16
Sm-Iv-kv tI-cf | s^{_phcn 2023

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n-[n I-¼-n-IÄ F-¶
km-¼-¯n-I Øm-]--§Ä-¡v
F-´p-]-än?
IhÀtÌmdn
kv-s]-jyÂtÌm-dn
{_m³-Unw-Kv ap-XÂ hym-]m-c-ap-{Z h-sc
_n-kn--Êv h-fÀ-¨-bv¡pÅ Nn-e X-{´-§Ä
Pn-F-kv-Sn h-Ip-¸n-sâ ]p-x-{I-ao-I-c-Ww n-Ip-XnZm-b-IÀ-¡pw
A-h-sc k-lm-bn-¡p-¶-hÀ-¡pw D-]-Im-c-{]-Z-am-I-Ww
m-Sn-sâ hn-I-k--¯n-m-bn H-¶n-¨p
nÂ-¡-W-sa-¶ k-tµ-i-am-bn
kw-cw-`-I a-lm-kw-K-aw
-A-n-cp-²³hn
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