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THE EAST PUNJAB REENGEES REHABILITATION

(HOUSE-BLrILDING LOANS) ACT, 1948.
TABLE OF COMTNTS
C~rr;nnn
UCCCIV.lrl.

1. Short title and cxtcnt.

2. Definirions.
3. con troll in^ Authoriry.
4. L ~ I I Ifind
~I CLI~~I~LI~III~.
5. Pmcedurc for sanclioning Inans.
6. Sccuritl! for r c p s y n ~ cof
~ ~loans.
t
7. Loans liuw repayable.
5. Inspection and supply of informalion.
9. 'Defaul~i n colilplying with alk ot'dcr u ~ ~ d section
zr 6.
In, Appeal.

1 1. Mcde n l recover;.
i 2. Finallcy oar dccls~onoi SUie CiovcmnlcnC.
13, Rnr to legal pmcerdings.
!4. Power tr! mak!: rrr!es.

15. Repcnl.
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1948 :EASTPB.ACT431 REFUGEES RE1 IABILiTATlOY

(IIOUSE-BUILDING LOANS)

'THE EAST PUNJAB REFUGEES REHABILlTATION

(HOUSE-BUILDDJG I>OANS) ACT, 1948.

) fRcccivcd tlte asserrr of His E.rc~iell~~1cy 1 1 1 ~G o ~ ~ c n011 ~ o1t , ) ~

15i;i N c j ~ ~ ~ t i i1948, p / i b ! i . ~ , ' i~i idt i i East
~ e i , midfi~,<i ~ Jniizj&b
Governrnmzr Gazeztc (Extraordir~ary) of N u vent ber 18, 1948.1

I 43 i The Ex: P3r:j:5 25- :i F r r by !he Ez5r

tigees Rehabilitation ACI 23 a f 1.349'
(House-building
Loans) Act, 1948

Ii 'ation of Laws (Third Amcn-

druent) Order. 195 1
m e l l a e a by ~ c52t 01 !Y%;
I Anie~i&ri by Adaptahon af
I
.-.
, . . > 3 . ..U&,bI, I ,.JU

s hereby enacted 3s foLlows :-

1. { I ? This Act may be calied ~ h E e a s ~Punjnb Refugees Short lilieand
Rehabilitation (House-building Loans) Act, 1948. circn~.

1 . For Statement of Objcctq and Reasons, see East Punjab Government Ejazenc
(Eslraordlhary), 1948, page 558-N;Cur [he,prr~cterlitlg~
i ~ r[he Aswnlbl y, .<re
Eu! Tunjal! kgislii~ue.hsemb!y Debalts. Vol. 3, 1948, pa5c.s VO- 91,
2. For Smtemcnt of Objtcts and Reasons, see East Punjab Govcrnmen~Gazcrte
(Extrnordinnry), 1949 page 1C04; and for prxcedings in lhc Assembly, rcc
Easl Punjab Legislalivc Assembly Dcbatcs. 1949, Volume 4, pages (5)
51--(5) 54.
This Act repeaied East Punjah Ordinance 10 of 1949 but saved ~nytliiug -
done or any action taken in h c exercisc of any powers conferred by or under
;he siid GiGinancc by i ~ k t i n ;ha:
g the-samc shzll he dccme?. to hii-ic b u i ;
n k c cxercise of powers conferred by or under this ACI.
dune or ~ k c in
3. For Statemcnl of Objects and Reasons, see Punjab ~overnmentGazeLk
(Exrnordin;lrS), 1953, page 1200.
4. See Haryiloit G o v e r ~ ~ rGnzcttc
~ ~ c t ~(Extraordinary
~ ), Part 3 for dated 29.10. :968.
pages 53 1-567
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144 REFUGEES REHABII.ITATION h.

[I948 :EAST ACT43
(HOUSE-BUILDING LOANS)

(2) Tt exrends to the whole of '[the principal territories].

Definitions. 2. In this Act, unless there is anything repugnant in r
k subjecl or
contcxt, -
(a) "borrower" means ail indivjdud, company, cooperative
society or association or body of individuals, whether
incorporated or not to whom ar to which a loan has been
made under this Act;
(b) "company" means a comjycy LS dcfiricd ifi the Indis~k
Companies Act, "1913 t7 of 19131;
(c) "co-opei;rii;e socie;yWmeans a co-upcrarive society
2[registered under] the Co-operative Societies Act, * *
1912 (2 of 1917) ;
(d) "controlljpg authority" means the authority compctcnt
to smcrion a loan under the powcrs con f e d by this
,j.r.-7l .
I

ifi "Financiai Commi ssicner" n e z n s the Financial

Commissioner,Rehabil; tation, appoinled under this Act;
( 8 ) "house" means a residential house. hause-c~ril-shopand
house<um-workshop ;
( h ) "prescribe&'means prescribed by rules made under this
Act ;
(i) "refugee" means a person displaced from the territory
now comprised in Wester11Pakistan on account of civil
~ sfear OC such disturbances and whu is r'or
d i s t i i i h ~ i c GT
the time being residcn t in 3[India].

I. Substiruled Tor ihz word "Pun,iab" by h e Ilaryana Adaprarion of Laws Order.

1368.
2 Subsrimtcd for h e KC&, "2s del;.r.ed in'' by East Punjab Act -23 of 1949,
seclion 2 (a).
3. Substilut~dfor the words, " h e Indian Dominoin or any Statc acccding thereto"
by Ute Ad;lpladou of Laws (Third Amendment)Order, i95 1.
* See now Companies Aci, 1956
** Sce now Haryana Co-nperativc Societies Acl, 1984 (22 of 1984).
 LatestLaws.com

1948 : EASTBB.ACT431 REFUGEES REHABILITATION

(HOUSE-BUILDING LOANS)

'[(j) 'Regism' means the Registrar, Co-operative Societies,

Rehabilitation appointed under this Act.]

:.
X
3.
S T ,
I J,
-r o r ihc puqosc oC maiiin i o a ~ io
s rcr'ugcesio assisi hcrn in t lng
( :rln~roi
J building their houses, the '[State] Government may appoint a Financial Auhoriry.
Commissioncr,Rehabilitation '[and a Registrar, Co-operative Societies,
Rehabilitation] ior the "State] and either by name or desi~ation,Deputy
Commissioners for such local areas as may bc spccificd, and may by
qenerc! or s~ccialordcr providc for thc distribution or allacation cf the
C

work m be ~erformedby them ~ m d e this r Act or the rules framed there-

under.
(2) The Financial Cornmissioncr,S[the Rcgistrd or a Dcputy
Commissioner may, with the sane-lion of the ?[State]Government delegate
any of his functions to any officer of the 2[Srate] Government whether
by name or designa~ion.
4. (ij The ar~ioiiniof laan ivhich way be riiade to "iaii indiv idtial Limi: 2nd cnn-
- 11ntlr.rihis Ac-I sb:tll mil (5xrcr.ti R s ,?[I fi X f l ] .
rcrii~rr.cj diiinas of loans.

[(I -A) The amount of loan which may be made Lo a company, a co-
operative sacicty or an association or bod j; of individuals undcr ihis Act
shall not exceed Rs.5,000per member of such company, co-operati ve
socieiy i)r a s s i ~ c i ~ tci ~30dy
ni irf individUdsj.

(3) The 2rCt.t~;

LY.Y.b r--. Y
~ n
m ......-..-
~ n w ~ r n r n ...I, nrpcrrihm
l Trr r.lVI-.YI "-- -..,I
r n r r r l i t i n n c rrah;~rt
J
to which a loan urlder [his Act may be sanctivrleci.

1. Added by East Punjab Acl 73 of 19N, section 2 (b).

2. Su bsliru t d for the word, "Provincia!" by the Adaplition of Laws Order, 1950.
3. Inscfled by East Punjab Act 23 of 1949, section 3 (a).
4. Substituted for he words, "Pro~~ince"
by he Adaptalion of Laws Order, 1350.
Inserted by Fast Punjab Act 23 QF 19d9, sectior! ? (b).
I.
6. Suhstiiuled for the words, "a rcrugce" by Eas~Punjab Ac[ 23 of 1949,
section 4 (a).
7. Substitu~cdfor the figure, "20,000" by East Punjab Act 2 3 of 1357,
scction 4 (a).
8. Insertcd by Easl Punjab Act, 23 of 1949, sect ion 4 (b).
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146 REFUGEES REHABII.ITA7ION [I948 :EASTPB.ACT43

(HOUSE-BUILDING LOANS)

Frocedurc for 5. (1) Any rcfugee may submit to the Deputy Commissioner within
a i n g the local 1i mits .of whose jurisdicrion he intends to build a house an
loans.
application in the prescribed form, supported by ;m affidavit, stating the
amount of Ioan desired by him, the purpopse for which it is desired end
the manner in which the repayment of the loan, if ranted tu him, is:
-I,,--"posed.
(2) The Deputy Cummissioner if sahslied [ha[ ~ l ~ t:
appcarlc is a
refugee may-
(a! if thc application is for s Ioan of a sum not exceeding
Rs 5,000 sanction the lonii LO the ex;cit of thc amount
stilted in the applica~innnr any l esscr miOunt as he ma!
consider tit;
(1)) if the application is for a ~..rnof sum exceeding Rs,5,000
ror\vard it alongxirt his rccommerldatioll as to the
amount for wlricJ?it may be sancLioned, to the Financial
,?arJunissioner.
!g i-,+/ cnnlpcny, ::c,-ilpemri ve society r~i-association w
.A. iiy
bodJ of individnn!~intending tc, tr~ilda house or h0use.s may submit to
int: Registrar an ap~llcationin the prescribed font] supported by an
affidavj!, statins the mount of loan desired by it, the purpose. for which
i t is desired and rhe manner in which rile repaymcnt of the loarl, if sanrcd
to it, is proposed.
{2-E)The Registrs, if satisfied thct a!! the mernbe~scf !he
CnmFmy, cn-q-wn!iv~.
society, ? ~ c ~ c i a r i nr
n nha? fire refi~geer;~
may-
(rr) if theapplication is for a loan of a sum not exceeding
Ks. 5 . 0 wi memLwc uf such corilpnny, co-operative
society, or associa~ionor b d y , sanction the loan to the
cxtcnt nf rhe amount stated i n the application or any lesser
m w i ~ t2:. he way considcr f;,! ;
{ b ) jf the application is for n loan of a sum exceeding
Rs. 5,000 per member ol' such company, co-operarive
, assot=il;:i~n o r h d y , f~r;;.xdIt itlofigwith his
s ~ i c t yur
recommendation as to the amount for which it may be
sanc tior~edtu the Financial Conmissioner ;j

1 . Inserred by Enst Punjah Act 23 of 1949. section 5 (a).

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1948 : EASTP6.ACT431 REFUGEES REHABILITATION

(HOUSEBUILDlNG LOANS)

(3) The Deputy Commissioner '[or as the case may be the

Registrar] may, after consulting such authorities, if any, as the 2[State]
Government may prescribe, specify the con& tions on which any loan
', s~iciifiiiedbjj hiiii l~iiiade, specify the insichienis b>: wl\icli ii IS to
be repaid-
( 4 ) The Financial Commissioner shall after consulting such
authorities, if any,as the2[State]Government may prescribe, either reject
the applic~iionor xcept ir in wh31e or in pan. 2r.d may specify the
conditions on which the loan is to be made, and specify the instalments
by which ii i s lo be repaid.

6. (1) When an i~pplicationCur loan has been sanctioned, the Securip for rc-
applicant shall execute a bond in the prescribed form undertalung to apply payment of
the money lent to the purpose or purposes for which. and to fulfil the loam-
conditions on which, the application has k e n sancrioned.

(2) For a loan fit;: zxcczding Rs. 5,mthe applicaiii sklall furnish
orre smcrv =d for loans exceeding Rs. 5.OM iwo sul-eries. and ihi! pernsorl
and the property of the epplica!~ras .rvel! as t!!e surety or sureiies, as the
casc inay he shall he liable fnr ihe repayment of the Lnan wiih intere.51
and costs ir my, incurred ir! m&ng or recoverins the !oan :
.
r I
A L
u Jlu2u LLIUL
AL 1 A ..cL
LI 12 C - U L ~ U U ~ IU I ~ ~
La-. --. .1 -,..
L C I L ~ II::G A 111uy1il LUI.
,,--
L ~ W CCI L G I ~ I ~ I

the appIicmt from furnishing a surety or sureties as the case may be.
(3) Whell the applicariirll has 'men madc by a firm, compmy or
co-operalive socicty ths hocd shall bc executed by 3 duly authorised
representative thereof, and the bond shall thercupn be deemed binchng
on the said firm, company or co-operarive society and the property of
the said firm, company or co-operative society shall be liable for the
repayment of the loan in the same manner as if the loan had been granted
to an individual.

(4; a n y plan!, hfiildng materia! or building #whichthe borrower

purchases w builds with or with thc aid of thc toan advanced to him
alongwith thc land on which the building is constructed shall, until the
loan be repaid in full, nol be liable to attachment or sale in the execution
of the dccree or order of any Cnurt, and remain the sole and absolute

1. Inscrted by East Punjab Act 23 of 19119, seclion 5 (b).

2 . Subslituied for the word "Pravincial" by Adaptaion of Laws Drder. 1950.
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REFUGEES REHABILITATION [ 1948 :EASTh.ACT43

(HOUSEBUILDNG LOANS)

property of the ' [State] Government and any transfer thereof or assignment
of any right, title or interest therein, or the creation of any mortgage,
encumbrance or any other charge thereon by the borrower shall be void
agilinsi ihe '[Siaie] Guvemiiieiii, uniess it has k<eii madc with L~ICprevious
consent of the Controlling Authority.
Loan how re- 7. The loan together with all in~eres~ due thereon, if any, shall, except
payable. as provided in any bond executed by the borrower, be repayable by half-
y e ~ ! yinsralments I'cr zperiod or illice~lyears :
Prz-;id<d 5::cept ir: !bs h ~ e?;ecv!ed
d hy !hc ~ Q F Y + C ~
of insta!rne!~ts a d ictercst shall comrnence twelve months
ihe repaj.~~:t:nl
?[afterthe completion of the building for consmction of which the loan
was taken or two years] after the date of Jisbursement of the loan or of
ingmirnent O r insldments dleleoi as bmoiirer is prepared io accept
3[-hi~iie'~errind is !he cdicr] :
Prcl.i(ieG f ~ n h e r!6:1( i:?t: purcil;iscr liiily ;li aiij; i i f i l ~3 h y iip
whole of thc balancc of the principai plus inlercsl on il 4[upto the date of
p"ymeui -+ ':' ' 'j.
:;' '?
'

1ilspcc:ioa and 8. The borrower shall be bound-

suppiy o i infur-
mation. (uj LO comply with any general or speciai order ol the;
Cnn trnlling Authorj ty relacing to the inspection of the
pien~ises01 biilldirig c o f i ~ i i i i ~ oi
i~dmachincry a ~ d
-n*.-G-ln
LIILLL~~IUIU
-..-Ln.--A
IJUIUIIUU~U
*r
VI LE,AUU
h-r
V J
+Lp,
\.ar h" Vm
AL
r r 3 l.IY-,
, r ~ r ~xr;th
a . C-a
t h ~
.A.W

aid of the loan made to him ; and

( b ) to furnish any infomation which ihe aforesaid authority
may require relative to h e purpose or purposes for which
[fie loan was made, or the manner in which the leal has
bee:: cr is S z 0i utilised.
~
Dchult in cum- 9. (iJ Xf the borrgwer fails without reasonable cause to comply
plying with an with any order under seciio~~ S, or
ordc: undcr so=-
lion 8. 1. Subs~irutedfur the word "Prwincial" by the Adaptation oflaws Grcier, 1950.
2. Inser~edby Ensr Punjab Ac123 of 1949, section 6 (a) (iJ.
3. Insc~-rdby Easr Punjab Act 23 nf 1949, swtiun 6 ( u ) (ii).
4. Substiluted for thc words "at 3 per cent per annum up to the dare of payinem"
by East Punjab Act 23 of 1949. section 6 (b).
5 . The words "at such rate nf inrcresl nor exceeding 4'1, per cenl per annum ;IS
may horn time 10 time bc fixed by rhc Srate Government by No~ification",
ornillcd by Punjnb Act No. 52 of 1953.
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1948 :EASTPB.ACT431 REFUGEES REHABILITATION

WOUSE-BULDlhfG LOANS)

(ii) if the Controlling Authority, after inspection provided for

in section 8, or othenvise, is satisfied that the money lent is not being
applied to rhe purpose or purposes for which it lvas lent or that the
>
i~iiditi0ii.icii which it I ~ f ixc
i not keirig dulj; h l h ! lid, ilie Contdlii~g
I
Ruthmi ty may declare nntwi thsmnding anything contained in the bond
executed by the borrower that the loan i s immediately recoverable and
shall givc notice of such declaration to the borrower and the surety or
sureties, if ; ~ y .
10. Within six weeks 01h e receip~u i the nolict: under section 9, h e Appeal.
hnrr~werg a y 2ppe112gzinc! t_h_ede(.!?ra~~fl nf !he Cllc?trrr!!jng .Awlrfhnritt;~

to the '[State] Government, and the decision of the '[state] Government

thereon shall be find.
11. ( I ! Whenany loanwinstalmentnrinterestthereon fallsdueand
is not paid on or before the due date, or when a loan has been declared
immediately repayable under section 9. and subjecl to Lhe order made
i1!1 ~ype;riunder !'nu. !itst prtrc-eding seckion, the Controlling Aihority
may cause to be ser?ledon the borrower a ~ the d surety or sureties, if any,
a notice calling upon thcrn lu pay thc sunls due within such rime as may
bc fixcd therc'cin.
(2) In casz ofdefaul~,dl f i i a i i oimoncy pagable ro ihe [Staiej
Government under this ACLincluding interest chargeable thereon and
costs, if any, i c r u ~ e dZ, a y be redised as m e x s of Ian6 revenue.
4- TL- J--:-:--- l r c ~
*-? m
ilj wiiziiiel- iiie
T---
A*. I. trc ucuslur I ur (1 G L~LL~LGU
J V Y G ~ ~ U ~ 8GS J ~ ~ rl~l~iiij
rjf

conhtions laid down in or under any of the provisions of this Act have s ~ o nof!he State
Govemme.nr.
been sztisfied silclli be find. and no suit snall he brought in any civil
COW to set aside or modify any order made thereunder, nor shall the
same be questioned by any court of law in my proceedings whatsoever.
shaii lic ag;lirisi Lhe B h r iir Icgal pro-
13. :Go prosccliuit, huir, or o i i i ~proceelii~~gs
~.
'[State] Government or any Government Officer or other Authori ty vested ceedings.
with powers under [his A c t for anything in good faith done or in~erliled
tn hr. dnne thererinrler.
'
14. ( 1 ) The [Statc] Govemmcnt may mzke 'rules consistent with Power to make
Lhis Act for the carrying out of all or any of its purposes. rulcs.

1. Substituted by Adaptation o f Laws Order, 1950, for 'Trovincial"

2. For rules, see Easl Punjab Govcrnmenr Notificaiion No. 3525, dated
201h October, 1948, pitblished in East Punjab Government Gazette. 1948
Pan I, pages 9 3 6 3 9 .
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REFUGEES REHABILITATION h.ACT43

[I948:EAST
(HOUSE-BUILDING LOANS)

(2) In particular and without prejudice to the generality of the

foregoing power, the '[State] Government may make rulcs regulating or
determining dl or any of thc following mattcrs, namely :-
I
(i) rhe forms of the application to be made and deeds to be
executed in respect of loans;
(ii) the mode in which disbursement of loans is to be made
to ~o..Q?u~E;

(iii) die form of nolices lo be give11or declarations to be

mzd?.hy the. C'n_n_!m!ji~?g ty ; a rid
-&I?t_h_@Ti_

(iv) the design of and the materials to be used in the building

of houses.
Rep& of Gr- 15. The East Turrjab Refiigees Kchabilitation (Xousc-building
dinanze 19 of Loans) Ordina~ce,1948, is hereby repealed.
1948.

I . Substiruled for [he word "Provincial" by [he Adapiation of Laws Order. 1950.