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Dear Sir,

You need a licence if:

You lend money regularly

You charge interest

You lend to multiple persons

You issue promissory notes / agreements

Even small-scale local lending requires licence.

Licensing Authority

Licence is issued by the Registering Authority / Sub-Divisional Officer (SDO) of your area under the State Government.

Dear Sir,

File before the District Consumer Commission, Mangalore (Dakshina Kannada District).

Reliefs you can seek:

Refund of ₹50,000

Interest @ 12% per annum from the date of payment

Compensation for harassment & mental agony (₹25,000–₹50,000)

Litigation costs

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