Free Legal Advice

Dear Client,
As per Clause 10.1 of the Master Circular No.RBI/2015-16/31, DBR.No.FSD.BC.18/24.01.009/2015-16 dated July 1, 2015 issued by the RBI in the matter of Credit Card, Debit Card and Rupee Denominated Co-branded Pre-paid Card Operations of Banks and Credit Card issuing NBFCs, for providing information relating to credit history/repayment record of the cardholder to a Credit Information Company (that has obtained Certificate of Registration from RBI), the bank/NBFC may explicitly bring to

Dear Client,
In the given scenario, you can escalate your grievance before the regulatory authority UGC. To streamline the stakeholders' grievance redressal mechanisms, UGC has merged its existing portals/ helplines except Anti Ragging Helpline and developed a new portal "UGC e-samadhan: A step forward: Service to Stake Holders" which would be a single Window system for all the stakeholders for registering their complaints/ grievances on the portal which would be available 24x7 with a click of

Dear Client,
Stamp duty and registration fees are regulated by the Indian Stamp Act, 1899, and the Indian Registration Act, 1908, and the rules framed thereunder by the respective State Governments. To make a document or deed legally valid, enforceable and admissible as evidence, registration of that document is required under Section 17 of the Registration Act, 1908 paying stamp duty and registration fees accessed based on the market value or the set forth value of the property and payable dire

Dear Client,
Since you live in India, the laws of the land shall apply equally to you. Section 67B of the Information Technology Act, 2000 which after amendment in 2008 criminalizes the publishing, transmitting, or causing the transmission of sexually explicit content. Once a violation of Sec.67B of I T Act, is reported to the Cyber Crime Cell, the matter is suo motto investigated by the authorities and you may be called on for interrogation to access the source of such offensive posts on social

Dear Client,
Debt consolidation is a popular loan repayment strategy that can help you manage multiple debts more effectively. Taking out a personal loan for debt consolidation helps you gain more control over your monthly expenses and makes your budget more manageable. Debt consolidation is an exceptional strategy to repay your debt faster, reduce your financial burden, and become debt-free. However, with debt consolidation, it is important to stay on top of your payments and stick to your paym

Dear Client,
A performance improvement plan (PIP), also known as a performance action plan, is a tool to give an employee with performance deficiencies the opportunity to succeed. It is a good practice, followed by many employers to assess the potential abilities of an employee. In case the assigned task under PIP does not match your skill or efficiency, you should bring the matter to the notice of the Company. If you fail to cope with the PIP, the company may ask you to quit the job and if you

Dear Client,
In the hit-and-run case, police filed an FIR on both the persons involved in a road accident under Sec. 279 of IPC(now Section 281 of BNS) for rash and negligent driving and Section 337 of IPC (now Section 125 of BNS) for causing hurt to any person. In motor accident cases both the owner and driver of the vehicle are liable to face prosecution proceedings initiated before the Motor Accident Claim Tribunal(MACT) once an FIR is lodged in the police station in hit and run case and the

Dear Client,
Companies having a presence in multiple states and distributing common input tax credits with branch offices will have to register as Input Service Distributors (ISD) with GST authorities by April 1, 2025. Businesses having multi-state GST registration will have to have themselves mandatorily registered as ISD to distribute among its branches any input tax credit (ITC) for services availed. The mechanism for sharing of ITC is prescribed in GST rules and broadly the common ITC is app

Dear Sir,
It is but natural that after marriage you must have 100% patience otherwise you have to face the music since Indian Laws are all in favor of married women. Please take care that you should not assault her otherwise you may be booked and your abusive words may be recorded.

Dear Client,
Banks have a general lien on all the accounts and assets with the bank. If a home loan dues are in default or due for repayment, the bank is within its right to keep a lien on the security charged for the other loans until and unless the home loan is cleared by the Loanee. Be informed that once a security is always a security. So even though you have cleared your loan, if there are other dues to the bank, the bank may treat the hypothecated security for the present outstanding loan