What is section 15CA/CB???

Can you please clear out the differences between Act, Law, Rules, provision to rules, regulations?

Dear sir/madam,

we have received one notice from ESI dept states that "From Jan 14 to July 2014" for 7 employees you have not remitted ESI. Hence you are treated as defaulters. you have to pay with penalty Rs. 45,045/-.


My answer : on the above mentioned period our employees salary increased by Rs. 15,000/- hence i have not deducted ESI. whether its correct or not...

if its correct pls send me section as per ESI

First Partnership Deed maid on How much rs. Stamp Paper ..??

Dear sir/ Madam,

A person(being owner of flat) has given his flat bond papers as security for the amount taken by him. The value of Flat is triple of the amount received. This incident has taken place nearly 15 years ago. Till now Bond papers remained with the creditor's legal heirs(as he expired 3 years ago) & also owner of flat expired 5 years ago.Now is there any chance of recovering the propertyby legal heirs of flat owner?

Please suggest me in this regard.

Thanks in advance.

We want to buy a land from person.Such person received land under government scheme at free of cost ten years ago. Now she want to sell it as it is situated in city outskirts.So, we are in little whether any obligations arise in future from the government.Please suggest me in this regard.
Thanks in advance.

Dear Members
All though this is not a pure area of CA But can you Please help me on the following issue :-
I have applied for a loan on 1.08.2014 from my SBI CREDIT CARD for Rs.10000 (via internet by clicking on an option called "easy money"). Afterwards they sent a cheque on 3.08.2014 but in the Payee name they had written my name as RUBUL DAS-STATE BANK OF INDIA. Than on the same day I had presented my cheque to my banker(Corporation Bank) for clearing. But my Banker said that this cheque can't be cleared as the Payee name is different (since my name is Rubul Das and not RUBUL DAS- STATE BANK OF INDIA). Hence I asked SBI Credit Card division to issue me an another cheque citing reason as mis-match of name and they never did so, hence I have arranged loan from my pvt. sources and thus as my need for loan is over. I asked SBI Credit Card division to cancel the cheque as on 14.08.2014. In the month of October. I was shocked to see my credit card statement which which shows a debit balance of Rs.10000 and interest of Rs.1936 thereon. I have complaint this issue to their customer care executive and she told me that the issue will be resolve in 5 days, again which never happened. Than I receive my credit card statement for the month of Nov and December which again contains interest charges of Rs. 1936 and other penal charges for non-payment of dues. Again I complaint this and nothing happened in this matter and shockingly one of their executive showed at my doorstep and asked for payment.
Now members I want to ask you is it valid to charge interest without actual credit of amount and charging interest merely on the basis of issuance of cheque(which is never cleared). Even if it is valid(which is hardly justifiable) still the question remains same that due to bank's mistake in name why should the borrower feel the heat of interest when he have not utilize the amount...forgot utilize.... the loan amount never gets credited in borrower's a/c and it is all due to failure on the part of Bank.
Further I want to know which Act is applicable on this issue. I mean to say that is their any act or clause which describe the point of time when interest is charged on outstanding loan or amount??? And if possible please quote related case laws.
Further I want to raise this matter with banking ombudsman. So please tell me that- Are these type of issues are within the jurisdiction of banking ombudsman??? If not where should I contest this issue apart from consumer forum???

Hello All,

We have a sole proprietorship registered in state A and want to open a firm with the same name and same proprietor in state B.

So, I wanted to know the pros and cons of it and how will the stock get transferred and is it any useful at all. Or should I open another firm with same name and a different prop. may be?

Any help is appreciated. Thank you.

p.s. I couldn't find any resource regarding the rules and regulations for opening a branch of proprietorship firm on the internet.

i have a doubt that , can wife of a statutory auditor of a company can be a shareholder in the same company .

if yes ; how ?
if no ; what are the consequences that stat auditor has to face.

any action taken by ICAI , in subject to this maters.

plz reply , thanks in advance .

Whether the COO (Chief Operating Officer ) covered in the key managerial personnel definition under the related party under section 188 & sec 2(76)..??