VOLUME I
TABLE OF CONTENTS;
I INTRODUCTION;
II BRIEF HISTORY OF NIDHI COMPANIES;
III JURISPRUDENTIAL AND REGULATORY ASPECTS OF NIDHI COMPANIES;
IV SUPERVISION OF NIDHI COMPANIES;
V SELF-REGULATION FOR NIDHI COMPANIES VI COMPARISON OF NIDHIS WITH OTHER;
VI FINANCIAL INTERMEDIARIES;
VII MICROFINANCE AND NIDHI COMPANIES;
VIII SOCIAL ROLE OF NIDHI COMPANIES;
IX RECOMMENDATIONS AND CONCLUSION.

VOLUME II
TABLE OF CONTENTS;
1 ANNEXURES;
2 BIBLIOGRAPHY;
LIST OF ANNEXURES;
ANNEXURE I EXTRACT OF THE REPORT OF COMPANIES ACT (AMENDMENT) COMMITTEE;
ANNEXURE II VARIOUS COMMITTEES SET UP BY CENTRAL GOVERNMENT I RBI RELATING TO NBFCS AND OR NIDHI COMPANIES;
ANNEXURE III SALIENT PROVISIONS OF CHAPTER III-B OF RBI ACT;
ANNEXURE IV CHRONOLOGY OF DIRECTIONS FOR NIDHI COMPANIES;
ANNEXURE V OBTAINING NIDHI STATUS UNDER SECTION 620-A OF COMPANIES ACT;
ANNEXURE VI MODIFICATION OF PROVISIONS OF COMPANIES ACT FOR NIDHI COMPANIES – NOTIFICATION NO. GSR 517(E), DATED 31-8-2006;
ANNEXURE VII NOTIFICATION NO. GSR 555 (E), DATED 26-7-2001 (AS AMENDED UPTO 3.11.2010);
ANNEXURE VIII NOTIFICATION NO. GSR 302 (E) DATED 30.4.2002 (AS AMENDED UPTO 3.11.2010)
ANNEXURE IX MODEL MEMORANDUM AND ARTICLES OF ASSOCIATION;
ANNEXURE X EVOLUTION OF REGULATION ON CEILING ON DEPOSITS OF NIDHI COMPANIES;
ANNEXURE XI APPLICATION FOR DEPOSIT;
ANNEXURE XII KNOW YOUR CUSTOMER GUIDELINES;
ANNEXURE XIII PROTECTION OF INTERESTS OF DEPOSITORS OF NIDHI COMPANIES;
ANNEXURE XIV BRANCH OPEN ING BY NIDHI COMPANIES;
ANNEXURE XV RATIONALE BEHIND KEY PRUDENTIAL NORMS FOR FINANCIAL INTERMEDIARIES;
ANNEXURE XVI ISSUES RAISED BY NIDHI COMPANIES RELATING TO PRUDENTIAL NORMS AND RESEARCHER'S COMMENTS;
ANNEXURE XVII MANAGEMENT OF NON-PERFORM I NG ASSETS;
ANNEXURE XVIII REGULATION OF PAWN BROKING IN TAMIL NADU;
ANNEXURE XIX TAMIL NADU PAWN BROKERS ACT, 1943 - EXEMPTED COMPANIES;
ANNEXURE XX INSPECTION OF NIDHI COMPANIES BY RBI -HISTORICAL PERSPECTIVE;
ANNEXURE XXI PROVISIONS OF COMPANIES ACT RELATING TO INSPECTION SPECIAL AUDIT AND INVESTIGATION OF AFFAIRS;
ANNEXURE XXII IMPORTANT RETURNS TO BE SUBMITTED BY NIDHI COMPANIES UNDER COMPANIES ACT;
ANNEXURE XXIII DRAFT RETURN FOR NIDHI COMPANIES;
ANNEXURE XXIV AUDIT OF COMPANIES UNDER COMPANIES ACT - BRIEF NOTE;
ANNEXURE XXV A BRIEF NOTE ON CHAMBER OF NIDHIS;
ANNEXURE XXVI COMPARATIVE CHART OF FINANCIAL INTERMEDIARIES;
ANNEXURE XXVII LOCAL AREA BANKS - COMMITTEES OF RBI AND GOVERNMENT;
ANNEXURE XXVIII SECTION 25 COMPANIES - LICENSING AND BENEFITS;
ANNEXURE XXIX DIFFERENCES BETWEEN GRAMEEN BANK AND CONVENTIONAL BANK;
ANNEXURE XXX ANDHRA PRADESH MICRO;
ANNEXURE XXXI INSTITUTIONS (REGULATING OF LENDING) ORDINANCE 2010 FINANCE MONEY;
ANNEXURE XXXII LIST OF NOTIFICATIONS OF NIDHI COMPANIES;
ANNEXURE XXXIII LIST OF COMPANIES TAKEN UP FOR STUDY;
ANNEXURE XXXIV FIRST CHARGE ON LIQUID ASSET SECURITIES;
ANNEXURE XXXV DRAFT TRUST DEED AND TRUSTEE GUIDELINES ASPECTS TO BE EXAMINED DURING;
ANNEXURE XXXVI INSPECTION OF A NIDHI COMPANY MARKET INTELLIGENCE KEY PARTICULARS OF NIDHI COMPANIES;

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