OZG Digital Helpdesk for NBFC in India

    

The Reserve Bank of India (RBI) requires Non-Banking Financial Companies (NBFCs) to systematically submit regulatory and supervisory returns. These returns are filed electronically through platforms such as the Centralised Information Management System (CIMS).

The compliance guidelines compiled by the OZG NBFC Helpdesk classify the core returns and forms required for filing into distinct categories:

Core DNBS & DBMS / CIMS Supervisory Returns:

These standardized financial data forms are filed based on whether the NBFC is Deposit-Taking (NBFC-D) or Non-Deposit-Taking Systemically Important (NBFC-NDSI):

- 📌 DNBS 01: A quarterly return tracking vital financial parameters of deposit-taking companies.

- 📌 DNBS 02: A quarterly statement covering capital funds, risk-weighted assets, and exposure ratios.

- 📌 DNBS 03: A quarterly statement showcasing liquid asset holdings for deposit-taking entities.

- 📌 DNBS 04A / NBS-4: An annual data submission detailing critical parameters of rejected companies holding public deposits.

- 📌 DNBS 05: A monthly monetary and supervisory return for NBFCs with large public deposits.

- 📌 DNBS 06: A monthly report monitoring exposure to capital markets for companies with assets over ₹100 crore.

- 📌 DNBS 07: A quarterly or annual report mapping financial indicators for Asset Reconstruction Companies (ARCs).

- 📌 DNBS 11 & 12: Specific financial parameters and prudential standard compliance statements for Core Investment Companies (CICs).

Credit & Fraud Reporting Forms:

- 📌 DNBS 08 (CRILC Main Return): A monthly return capturing credit exposures of ₹5 crore and above to any single borrower.

- 📌 DNBS 09 (CRILC RDB): A weekly report covering large borrower defaults.

- 📌 FMR Returns: Reports capturing instances of fraud, submitted within strict windows of detection.

Asset Liability Management (ALM) Returns:

ALM returns monitor liquidity risks and interest rate mismatches across specified buckets:

- 📌 DNBS 04B (ALM-1): A monthly statement assessing short-term dynamic liquidity.

- 📌 NBS_ALM-2: A half-yearly statement mapping structural liquidity profiles.

- 📌 NBS_ALM-3: A half-yearly statement analyzing interest rate sensitivity.

Critical Annual Compliance Forms:

- 📌 DNBS 10 (Statutory Auditor Certificate): An annual certificate submitted by the auditor certifying the company continues to qualify for its Certificate of Registration (CoR) based on its asset/income pattern.

- 📌 Audited Balance Sheet: Full annual submission of financial statements accompanied by the statutory directors' and auditors' reports.

OZG NBFC Helpdesk (INDIA)

Go to: 🌎 helpdesk.nbfc.in

Email ✉️ ask@nbfc.in

FCRA Renewal: Application Filing Problem

    

If you are facing any technical problems on the FCRA portal, then you may connect with the OZG Digital Helpdesk; it can make your filing work easier. Our team provides step-by-step assistance for payment problems, form submission errors, document upload issues, and checking application status. This saves you from repeatedly trying the FCRA website and checking updates.

यदि आप FCRA पोर्टल पर किसी टेक्निकल प्रॉबलम फेस कर रहे हैं तो OZG डिजिटल हेल्पडेस्क आपके फाइलिंग work को और आसान कर सकता है। हमारी टीम आपको पेमेंट प्रॉबलम, फॉर्म सबमिशन errors, डॉक्यूमेंट्स अपलोड issue और एप्लिकेशन स्टेटस checking से जुड़ी हर प्रोब्लम में step-by-step सहायता देती है। इससे आपको FCRA वेबसाइट को बार-बार ट्राय करने या updates देखने में समय खराब करने की आवश्यकता नहीं पड़ेगी।

📞 OZG Digital Helpdesk (INDIA)

🪀 WhatsApp: +91-9811415837

✉️ OZG FCRA Email: ask@fcra.in

FCRA Registration, Annual Returns & Compounding Proceedings || OZG Digital Events (2026)

  

This webinar guides you through OZG Helpdesk's comprehensive services for FCRA-registered NGOs and new applicants. You may access the OZG FCRA Helpdesk services at helpdesk.fcraonline.in

Key topics include annual returns using Form FC-4, due by December 31 for the fiscal year ending March 31. These returns detail receipts, utilization, balances, and passbooks. We'll also cover quarterly intimation via Form FC-1, required for foreign contributions exceeding ₹10 Lakh. OZG Helpdesk provides user-friendly filing tools and compliance audits to prevent suspensions.

The session will address compounding proceedings under Section 41, teaching you how to file applications with the Ministry of Home Affairs for violations like delays. Penalties range from ₹1-10 lakh or 5-30% of the amount involved, with no repeats allowed within 3 years. OZG offers end-to-end support, including self-disclosure drafting and penalty negotiations. Join our live Q&A to explore real OZG client scenarios and get personalized advice.

Apply for the OZGIAN Membership: 

Go to ➡ membership.ozgian.com

Book your ticket at the link: 

Go to ➡ ticket.ozgdigital.com

Ticket @ ₹999/ + ₹192/ OZGiAN Membership Fee.

AI Adoption in Banking and Financial Services in India: OZG Digital Events (2026)

 

Are you ready to navigate the future of AI in Indian banking and finance? The Reserve Bank of India (RBI) has unveiled its FREE-AI framework, a comprehensive 26-point roadmap to responsibly integrate artificial intelligence into the financial sector. At the upcoming OZG Digital Event, we will unpack this guideline in depth and translate it into practical steps for Ozgians (chartered accountants, company secretaries, compliance officers, fintech engineers, and legal professionals).

At its core, FREE-AI focuses on ethical AI deployment. RBI expects transparency, fairness, explainability, and accountability in AI models to prevent biased outcomes in lending, credit appraisal, customer scoring, and automated decision-making. We will discuss how to convert these principles into board-approved policies, standard operating procedures, and audit-ready documentation that align with your internal control and governance frameworks.

A key pillar of the framework is AI Kosh, RBI’s proposed centralized data infrastructure platform. Think of it as a national repository of curated, anonymized financial datasets for AI training and testing. During the event, we will explore how banks, NBFCs, fintechs, and their advisors can use AI Kosh to build and validate models while staying compliant with the DPDP Act, data localization expectations, and sectoral privacy obligations. This will be especially relevant for professionals drafting data sharing agreements, consent frameworks, and internal data governance policies.

Innovation is encouraged through AI sandboxes for regulated entities. These controlled environments allow institutions to experiment with generative AI and machine learning prototypes without exposing the full balance sheet to unknown risks. We will cover how to structure sandbox experiments, define test metrics, document risk findings, and prepare approval notes for boards, audit committees, and regulators so that pilots can be safely scaled into production.

Governance and risk management are non-negotiable under FREE-AI. The framework sets expectations around credit assessment, model validation, stress testing, and ongoing risk monitoring. We will walk through how to integrate AI-based credit scoring with human oversight, three-lines-of-defence models, internal audit reviews, and regulatory reporting. For emerging players, including smaller NBFCs and fintech startups, RBI indicates supportive measures such as lighter reporting in early stages and priority access to sandbox resources. We will discuss how to structure your compliance roadmap to benefit from these enablers.

For compliance officers, CAs/CSs in practice, and legal advisors registered at the OZGIAN platform, the event will include ready-to-use checklists and draft clause ideas. These will cover multilingual AI models that operate across Hindi, English, regional languages, and dialects, and the associated risks around misinterpretation, mis-selling, and disclosure obligations. We will also address liability architecture: allocation of responsibility between the regulated entity, the AI vendor, cloud service providers, and outsourcing partners; implications for contractual drafting; and potential use of insurance covers, indemnities, and limitation of liability provisions under evolving regulatory expectations.

This event constitutes a practitioner-oriented framework for implementing artificial intelligence (AI) in alignment with the Reserve Bank of India (RBI) regulatory framework on Responsible AI. The OZG Digital Event provides actionable guidance to operationalize the RBI's guidelines into verifiable action plans, compliant documentation, and robust governance mechanisms capable of withstanding regulatory examination.

Apply for the OZGIAN Membership: 

Go to ➡ membership.ozgian.com

Book your ticket at the link: 

Go to ➡ ticket.ozgdigital.com

Ticket @ ₹999/ + ₹192/ OZGiAN Membership Fee.

OZG Digital Signature Forum: OZG Digital Events (2026)

   

Join us at the OZG Digital Signature Forum (2026), India's premier event for legal tech innovators, fintech leaders, and compliance experts. Dive deep into ETSI standards like XAdES, the gold standard for advanced electronic signatures that ensure long-term validity and non-repudiation. Explore post-quantum cryptography, safeguarding your digital assets against tomorrow's quantum threats with lattice-based algorithms and hybrid schemes. Discover WebTrust integration for audit-ready trust services, enabling seamless compliance filings across government portals.

Hands-on sessions cover code signing for secure software distribution, certificate transparency logs to prevent mis-issuance, and real-world applications in fintech and cybersecurity. Watch live OZG platform demos, showcasing compliance workflows—from DSC provisioning to e-filing with zero downtime. Network with peers tackling challenges, AI-driven governance, and post-quantum migrations.

Whether you're streamlining legal compliance as a full time practitioner or a compliance officer, gain actionable insights to future-proof your operations. Hear from OZG's experts and industry trailblazers on integrating these technologies into daily workflows.

Unlock exclusive resources, priority access, and community forums.  Secure your spot now—book your ticket! Limited seats for interactive demos and networking.  

Apply for the OZGIAN Membership: 

Go to ➡ membership.ozgian.com

Book your ticket at the link: 

Go to ➡ ticket.ozgdigital.com

Ticket @ ₹999/ + ₹192/ OZGiAN Membership Fee.

FEMA Compounding Application Procedure at the RBI — OZG Digital Events (2026)

    

Discover the intricacies of the Reserve Bank of India (RBI) compounding application process in this specialized session, meticulously tailored for legal professionals and compliance officers. Hosted by OZG Digital Events, this immersive workshop equips participants with actionable expertise on navigating FEMA contraventions through the streamlined PRAVAAH portal, RBI hearings, and critical post-approval compliance. 

OZG Digital Events demystifies online filing via the RBI's PRAVAAH portal, introduced under the Foreign Exchange (Compounding Proceedings) Rules, 2024. Legal experts guide attendees through registration, document uploads—including FIRCs, FCGPR filings, board resolutions, and contravention memorandums—and fee payments of Rs. 10,000 via NEFT, RTGS, or demand draft. This digital shift from physical submissions enhances efficiency, allowing suo moto applications or responses to RBI notices, with real-time tracking for faster adjudication. 

Delve into RBI hearing protocols where compounding authorities scrutinize applications for gravity of contravention, applicant history, and rectification measures. OZG Digital Sessions cover powers to summon records, mandate corrective actions like unwinding transactions, and structured formats for disclosures on violation nature, amounts, and post-breach compliance. Compliance officers gain strategies to address queries, ensuring hearings lead to compounding orders rather than adjudication or prosecution referrals.

Post-approval, participants master penalty payments into updated RBI accounts, ED undertakings to report parallel proceedings, and Form approvals resumption. OZG Digital Events highlights pitfalls like prior filings (e.g., FDI reports) pending compounding, with checklists for record-keeping and audit trails. Attendees leave empowered to implement robust FEMA frameworks, minimizing recurrence through proactive governance. 

Apply for the OZGIAN Membership: 

Go to ⬆️ membership.ozgian.com

Book your ticket at the link: 

Go to ➡ ticket.ozgdigital.com

Ticket @ ₹999/ + ₹192/ OZGiAN Membership Fee.

CNAP: The Caller ID Revolution — OZG Digital (🎯)

 

CNAP stands for Calling Name Presentation, a telecom feature that displays the verified name of the incoming caller on the recipient's phone screen. In India, it's being rolled out by Telecom Regulatory Authority of India (TRAI) to combat spam and scam calls by using KYC details from SIM registration. 

📌 When does CNAP rollout start in India?  

The nationwide rollout begins in March 2026, following TRAI's approval in October 2025 and pilots by Jio, Airtel, Vi, and BSNL. Initial focus is on 4G/5G networks. 

📌 Who regulates CNAP in India?  

The Department of Telecommunications (DoT) and Telecom Regulatory Authority of India (TRAI) oversee CNAP implementation. They mandate telcos to maintain secure CNAM databases. 

📌 How does CNAP differ from Truecaller?  

CNAP pulls names directly from operator-verified KYC records, ensuring higher accuracy without relying on crowdsourced data. It operates network-wide, independent of third-party apps. 

📌 Is CNAP enabled by default?  

Yes, CNAP activates by default for recipients, with an opt-out option via telecom providers. This aligns with DoT's preference over TRAI's initial opt-in model. 

📌 How to opt out of CNAP?  

Contact your telecom provider (Jio, Airtel, Vi, BSNL) to disable it, similar to deactivating voicemail.  

📌 What networks support CNAP initially?  

Phase one covers 4G and 5G; legacy 2G/3G follows after feasibility studies. New devices post-cutoff must be CNAP-compatible via MeitY coordination. 

📌 How is caller name verified?  

Names come from Customer Application Form (CAF) data and government KYC documents held by telcos. Real-time queries fetch during call setup. 

📌 What about business or telemarketer calls?  

Businesses use verified trademarks/trade names; telemarketers get explicit identification. Bulk connections follow government verification. 

📌 Does CNAP work across networks?  

Yes, interoperability tests ensure names display correctly from any network. Pilots in northern circles confirm this. 

📌 What are CNAP privacy protections?  

Data stays with operators; no central database. Opt-out (and CLIR in specific cases) safeguard user control under DPDP Act standards. 

📌 Will CNAP reduce spam calls?  

Yes, verified IDs curb fraud like digital arrests and phishing by blocking impersonation. It's projected to transform trust in calls. 

📌 Do feature phones support CNAP?  

Compatible models will; rollout prioritizes smartphones first. Manufacturers update within six months of launch. 

📌 What if KYC name mismatches?  

Telcos must update databases regularly per licence conditions. Inaccurate displays prompt complaints to DoT/TRAI. 

📌 Is CNAP free for users?  

Default service with no extra user charges; telcos handle costs under regulatory mandates. 

📌 How does CNAP link to RBI compliance?  

For fintechs, CNAP aids KYC verification in calls, aligning with RBI's customer onboarding norms and fraud prevention. 

📌 What is the CNAP technical model?  

Each telco maintains a CNAM database; recipient's network queries caller's operator in real-time during setup. ITU-T/ETSI standards apply. 

📌 Timeline for full India coverage?  

Pan-India by March 2026 across circles; device mandates follow notification. 

📌 Impact on family/shared numbers?  

Displays registered KYC name; telcos address attribution concerns via guidelines. 

📌 Role of MeitY in CNAP?  

Coordinates device compatibility; amends licences for new sales post-cutoff. 

📌 CNAP for international calls?  

Domestic focus initially; roaming/inter-circle tested in pilots. 

📌 How to report CNAP issues?  

Via telco apps/portals or TRAI's DND portal; DoT monitors rollout. 

📌 Does CNAP store call data?  

No, only name lookup during call; privacy-focused per TRAI.  

📌 Pilot status as of Dec 2025?  

Jio, Airtel, Vi, BSNL testing in circles; live trials soon before March 2026. 

📌 Legal basis for CNAP?  

TRAI recommendations (2024), DoT directives (2025), telecom licences. 

📌 Fintech benefits from CNAP?  

Reduces fraud calls; supports RBI's CKYC and audit trails for secure onboarding. 

📌 Update phone for CNAP?  

4G/5G devices auto-support; software updates for others. 

📌 CNAP data security standards?  

Operator-secured databases; no third-party access, per TRAI/DoT. 

📌 Bulk caller CNAP rules?  

Verified trade names mandatory; government approval needed. 

📌 CNAP on VoIP apps?  

Focus on traditional calls; VoIP under study. 

📌 User complaints process?  

Escalate to TRAI/DoT if telcos fail; OZG Digital aids resolution. 

📌 Economic impact of CNAP?  

Boosts business trust, cuts spam losses; enhances telecom assets. 

📌 CNAP global comparison?  

Largest network-integrated system; inspired by CNAM standards. 

📌 Device manufacturers' role?  

Mandatory support post-notification; six-month compliance. 

📌 CNAP for enterprise lines?  

Trade names displayed; verified per DoT. 

📌 Integration with DPDP Act?  

Ensures data minimization; OZG Digital specializes in compliance. 

📌 CNAP accuracy rate?  

High via KYC; updates mandated for 99% reliability. 

📌 Link to cybercrime fight?  

Directly targets fraud; supports MHA initiatives. 

📌 Future CNAP expansions?  

Possible to legacy nets, international; TRAI studies ongoing. 

🏡 OZG Digital (🎯)

📨 help@ozgian.com

⭕ YouTube.com/@ozg.digital

⭕ instragram.com/ozg.digital

🔒Digital Personal Data Protection (DPDP) Act

 

The Digital Personal Data Protection (DPDP) Act, a landmark legislative framework in India, is designed to regulate the processing of personal digital data while safeguarding individuals' privacy and rights. The DPDP Act marks a significant step toward strengthening data protection practices across all sectors handling digital data.

The DPDP Act follows a phased rollout to ensure smooth adaptation and compliance:  

📌 - November 13, 2025: 

The Act’s initial provisions came into force, notably the establishment of the Data Protection Board. This Board is empowered to oversee data protection compliance, address grievances, guide stakeholders, and ensure enforcement of the Act’s norms. 

📌 - November 13, 2026:

Additional provisions kick in, including mandatory registration of consent managers—entities responsible for managing and verifying user consent for processing their data, which adds a crucial layer of accountability.  

📌 - May 14, 2027:

The main body of the DPDP Act will take effect, bringing comprehensive obligations for data fiduciaries (organizations processing personal data) regarding lawful collection, usage, storage, and sharing of digital personal data, along with enhanced rights for data principals (individuals).  

Key Features of the DPDP Act -

1) Establishes clear principles for lawful and fair data processing

2) Mandates explicit consent for collecting and using personal data

3) Empowers users with rights such as access, correction, and data portability

4) Requires robust data security and breach reporting mechanisms

5) Introduces penalties and enforcement protocols for non-compliance  

Stay proactive and compliant with expert guidance from the OZG Tech-Law Solutions. We offer 24/7 dedicated support to navigate all DPDP compliance requirements, helping your organization align with the DPDP Act efficiently.

Connect with us anytime—protect your data, protect your future!

OZG Helpdesk

Chat 24/7🪀 9820255831  

─-─────────────────  

Email ✉️ legal@ozgian.com  

─-─────────────────  

RBI Compliance for Fintech Startup

 

OZG Fintech Center empowers startups with customizable solutions and 24/7 expert support to keep pace with evolving RBI compliance.

📌 Digital lending apps require registration and data reporting to the RBI’s CIMS portal, adherence to Digital Lending Directions including clear borrower disclosures, and periodic audit submissions. OZG assists with compliance management processes for seamless adherence.

📌 Implement CKYC and eKYC verification using Aadhaar, PAN, or Passport. Registration with the Financial Intelligence Unit (FIU-IND) is mandatory for suspicious transaction reporting. The OZGIAN system integrates smooth onboarding, FIU-IND registration, and AI-powered transaction monitoring for AML compliance.

📌 Data privacy and protection must include adherence to updated RBI data localization norms, continuous penetration testing, and use of AES/TLS encryption standards. OZG supports end-to-end encryption, compliance audits, and secure access controls.

📌 Fintech startups must comply with the newly introduced Self-Regulatory Organization (SRO) framework for fintech, which involves voluntary registration with an RBI-recognized SRO, adherence to ethical codes, and mechanisms to address user harm and fraud.

📌 Participation in and reporting to RBI's e-PRAVAAH portal for streamlined regulatory authorisations and license management is mandatory from May 2025. The OZGIAN offers a smooth filing solution for PRAVAAH, ensuring peace of mind.

📌 Compliance with RBI's mandates on AI use in financial services is required, ensuring ethical AI adoption aligned with transparency and risk control.

📌 Clear disclosures on fees, interest rates, and repayment terms are essential alongside effective grievance redressal mechanisms. The OZG systems dynamically manage compliance disclosures and complaint tracking aligned with RBI guidelines.

📌 Maintain detailed audit trails, prepare for IT governance audits (CSITE), and ensure timely regulatory report submissions. OZGIAN assists with audit documentation and dashboard reporting to RBI.

OZG Helpdesk (24/7)

Email: ask@nbfc.in  

WhatsApp: 98‑2025‑5831

DM @ozghelpdesk

Police Notice 🚨

  

When Anjali received a call from the local police, her heart raced. She was told to appear for questioning in relation to a corporate fraud case—shocking, because she had nothing to do with it. Confused and anxious, she called OZG Lawyers.

At OZG, Advocate Maya listened carefully. “Anjali, remember this—Article 20(3) of the Constitution of India protects you. You cannot be compelled to be a witness against yourself.”

Anjali’s eyes widened. “So I can stay silent?”

“Exactly,” Maya said - "The police can’t force you to confess. You have the right to remain silent and to have a lawyer present at all times. Say nothing that can be twisted later. Your silence is your shield.”

The next day, Anjali entered the interrogation room with Maya beside her. The officers asked sharp questions, trying to corner her. But guided by Maya, she calmly replied, “I choose not to answer without legal counsel.”

The session ended with no confession. No tricks worked. Later, it was revealed that the actual perpetrator was someone else entirely. Anjali had narrowly escaped being wrongly implicated—all because she asserted her fundamental right.

At OZG Lawyers, we believe in empowering citizens with knowledge. Knowing your rights isn’t just smart—it’s your legal armor.

Email ✉️ help@ozg.in

    OZGIAN - Magna Carta 👑 

⛔ Restitution of Conjugal Rights

WhatsApp Chat 📲 WA.me/918779696580

According to experts at Ozg Center, conjugal rights can be defined the rights, especially to sexual relations, regarded as exercisable in law by each partner in a marriage. This makes sure that you are giving each other the status of spouse in the true sense.

When your spouse denies you your conjugal rights, you can seek legal help by claiming the restitution of your conjugal rights. If the court is satisfied that there is no legal ground to refuse the application and based on the veracity of the statements in the petition, may pass a decree for restitution of conjugal rights.

⛔ To discuss your case, you can schedule your Tele-Appointment with Ozg Lawyers to save your precious time and hard-earned money in court cases and matrimonial disputes-related matters.

Tele-Appointment Fee: ₹3780 

Link ☎️ ozglaw.com/appointment

Support ✉️ ask@ozgian.com 

There are various sections providing different provisions for restitution of conjugal rights such as:

Section 9 in Hindu Marriage Act, 1955

Section 22 in Special Marriage Act, 1954

Section 32 in Indian Divorce Act, 1869

⛔ Reasonable Cause - 

The burden of proof in this matter is two-fold. The husband has to prove that the wife has been denying him all the marital rights & has withdrawn from his society without any major reason. On the other hand, the wife has to show such proofs that show the actual valid reason for the withdrawal such as any matrimonial misconduct that made it impossible for her to continue to live with him. If she fails to do so, the court will pass a decree to restitute the conjugal rights of the husband. If the wife is able to prove any valid ground then the petition would be dismissed.

⛔ What does withdrawal from society means?

There is withdrawal from society when one among the spouses, without reasonable excuse, terminates an existing relationship with the intention of leaving the other and permanently or indefinitely abandoning such relationship. Withdrawal from the society not always necessarily means complete desertion or living separately, it also means withdrawal from sexual intercourse, non-cooperation in the performance of marital obligations.

⛔ To discuss your case, you can schedule your Tele-Appointment Ozg Lawyers to save your precious time and hard-earned money in court cases and matrimonial disputes-related matters.

Tele-Appointment Fee: ₹3780 

Link ☎️ ozglaw.com/appointment

Support ✉️ ask@ozgian.com 

⛔ Procedure for The Restitution of Conjugal Rights - 

📌 1) In this case, if you are the aggrieved party, the husband, files a petition in the district court. This can be transferred by application to the High Court or Supreme Court as well, according to the severity of the case or requirement.

📌 2) After the filing of the petition, a copy of the petition is sent to the respondent-wife along with the date of hearing from the district court. 

📌 3) Both parties have to be present on the date of the hearing. If both parties are not present, the court gives another date.

📌 4) The next step is counseling/mediation sent by the court. It is done by the family court, as provided in the Family Courts Act. This takes approximately 4 months.

⛔ What happens in Counseling?

Once the parties are sent to counseling, they need to appear before a counselor. The counselor may be someone who has been appointed by the court. Counseling takes place on 2-3 dates with a gap of 2-3 weeks between two dates. Here, both parties are given a chance to present their versions of the facts, and the counselor tries to come to an understanding. In the end, the counselor offers advice. This may sort out the differences to go back to the husband, or to go for a divorce by mutual consent. You can message us at #Ozgian 24/7 - online support desk to learn about its eligibility criteria, timing, cost, and procedures), if the parties agree, it will imply that the purpose of counseling/ mediation has succeeded, and the suit can be dropped. However, if the parties refuse to proceed according to the suggestions of the counselor, the counselor will forward the application back to court on grounds that mediation has failed.

WhatsApp Chat 📲 WA.me/918779696580

📌 5) Once the application is back in court, the suit will continue, and the respondent-wife is required to give her ‘counter’ to the husband’s application. Oral arguments will proceed to dispose of the interim petitions first and pass the interim order.

📌 6) The husband has to file a Chief Examination Affidavit for producing evidence that the wife has left him, which will result in cross-examination.

📌 7) Final arguments take place next, where both the parties represent their version of facts and ultimately pray for relief from the Judge. Based on the counseling, statements made, and the conduct of the parties, the judge accordingly grants the decree.

⛔ What do our clients say?

"I received a call from Ozg Lawyers and my problem get sorted out! I couldn't believe it - my legal plan just saved me from a huge loss." 

Simply, WhatsApp / Email / Call to connect with us.

Appointment Link:

ozglaw.com/appointment

Case Winning Doc:

Ozg Documentation Centre

Support:

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Litigation:

Ozg Lawyers 

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WhatsApp Chat 📲 WA.me/918779696580

Received Notice for Money Laundering Case? Before appearing on summons at Enforcement Directorate and recording your statements, please make sure you've consulted with Ozg Lawyers

The offence of Money Laundering generally involve the following three stages namely placement, layering and integration.

📌 Placement:

The Money Launderer, who is holding the money generated from criminal activities, introduces the illegal funds into the financial systems. This might be done by breaking up large amount of money into less conspicuous smaller sums which are deposited directly into a Bank Account or by purchasing a series of financial products.

📌 Layering:

In this stage, the Money Launderer typically engages in a series of continuous conversions or movements of funds, within the financial or banking system by way of numerous accounts, so as to hide their true origin and to distance them from their criminal source. The Money Launderer may use various channels for movement of funds, like a series of Bank Accounts, sometimes spread across the globe, especially in those jurisdictions which do not cooperate in anti-money laundering investigations.

📌 Integration:

Having successfully processed through the first two stages of Money Laundering, the Launderer then moves to this third stage in which the funds reach the legitimate economy, after getting inseparably mixed with the legitimate money earned through legal sources of income. The Money Launderer might then choose to invest the funds into real estate, business ventures & luxury assets, etc. so that he can enjoy the laundered money, without any fear of law enforcement agencies.

The above three steps may not always follow each other. At times, illegal money may be mixed with legitimate money, even prior to placement in the financial system. In certain cash rich businesses like Gambling and Real Estate, the proceeds of crime may be invested without entering the mainstream financial system at all.

Before appearing on summons at Enforcement Directorate and recording your statements, please make sure you've consulted with Ozg Lawyers. Please, follow link at below to schedule your tele-appointment with Ozgian.

Ozg Lawyers: AML Advisory

₹3780 ☎️ ozglaw.com/appointment

WhatsApp📲 WA.me/918779696580

The supporting case documents get you a better strength than anything else. You may consider taking services of Ozg Documentation Centre for the same.

Email: legal@documentationcentre.com

Punishment -

📌 Attachment of property under Section 5 of PMLA, 2002, seizure or freezing of property and records under Section 17 or Section 18 of PMLA, 2002. It is also applied on assets of any kind used in the commission of an offence under PMLA, 2002 or any of the scheduled offences.

📌 Persons found guilty of an offence of Money Laundering are punishable with imprisonment for a term which shall not be less than 3 years but may extend up to 7 years and shall also be liable to fine under Section 4 of PMLA, 2002.

📌 When the scheduled offence committed is under the Narcotic Drugs and Psychotropic Substances Act (NDPS), 1985 the punishment shall be imprisonment for a term which shall not be less than 3 years but which may extend up to 10 years and shall also be liable to fine.

📌 The prosecution or conviction of any legal juridical person is not contingent on the prosecution or conviction of any individual.

Before appearing on summons at Enforcement Directorate and recording your statements, please make sure you've consulted with Ozg Lawyers. Please, follow link at below to schedule your tele-appointment with Ozgian.

Ozg Lawyers: AML Advisory

₹3780 ☎️ ozglaw.com/appointment

WhatsApp📲 WA.me/918779696580

The supporting case documents get you a better strength than anything else. You may consider taking services of Ozg Documentation Centre for the same.

Email: legal@documentationcentre.com

Enforcement Directorate (ED)

The ED has got following power -

📌 To provisionally attach any property derived or obtained, directly or indirectly, by any person as a result of criminal activity relating to a scheduled offence or the value of any such property under Section 5 of PMLA Act, 2002;

📌 To conduct survey of a place under Section 16 of PMLA Act, 2002;

📌 To conduct search of building, place, vessel, vehicle or aircraft & seize/freeze records & property under Section 17 of PMLA Act, 2002;

📌 To conduct personal search under Section 18 of PMLA Act, 2002;

📌 To arrest persons accused of committing the offence of Money Laundering under ection 19 of PMLA Act, 2002;

📌 To summon and record the statements of persons concerned under Section 50 of PMLA Act, 2002.

Before appearing on summons at Enforcement Directorate and recording your statements, please make sure you've consulted with Ozg Lawyers. Please, follow link at below to schedule your tele-appointment with Ozgian.

Ozg Lawyers: AML Advisory

₹3780 ☎️ ozglaw.com/appointment

WhatsApp📲 WA.me/918779696580

The supporting case documents get you a better strength than anything else. You may consider taking services of Ozg Documentation Centre for the same.

Email: legal@documentationcentre.com

Time limit of Seizure -

📌 The property & record may, if seized be retained or if frozen may continue to remain frozen for a period not exceeding 180 days from the day on which such property or record were seized or frozen, unless the Adjudicating Authority permits retention of such record or property beyond the period of 180 days as per sections 20 & 21 of PMLA, 2002.

Arrest -

📌 The Authorized Officer making arrest shall, as soon as may be, inform the arrestee of the grounds for such arrest.

📌 Every person so arrested shall, within twenty four hours, be taken to a Judicial Magistrate or a Metropolitan Magistrate, as the case may be, having jurisdiction as per section 19 of PMLA, 2002.

📌 To get consultation on your case, please schedule a tele-appointment with Ozg Lawyers at link below or please write an email to: support@ozglaw.com

Ozg Lawyers: AML Advisory

☎️ ozglaw.com/appointment

📲 WA.me/918779696580

📲 moneylaundering.ozg.in

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FATF FIU ozglaw Havala Hawala

Work from Home License & OSP Registration - COVID19: Corona Virus Notification by DoT

Circular no. 18-5/2015-CS-1(Pt.) issued by DoT on 13/March/2020.

In the context of Corona Virus Disease, DoT has decided to grant the following relaxation for a period up to 30/April/2020 in the terms and conditions for OSPs issued vide letter no. 18-5/2009-CS-1 dated 7/Oct/2011 in respect to Work from Home (WFH) facility.

 1. The requirement of security deposit and agreement for work from home facility for OSPs is exempted.

 2. The requirement of authorized service providers provisioned secured  VPN is exempted. During this period, the OSPs are permitted to use secured VPN configured using 'Static IP' address by themselves for interaction between home agent position and OSP center with pre-defined locations. In this regard, the agents at home shall be treated as Extended Agent Position of OSP.

 3. The requirement of seeking prior permission for work from home facility is exempted. The OSPs are now required to provide prior intimation to the respective LSA field units of DoT before starting work from home facility. While intimating the field units, the OSPs shall submit the complete details for 'Extended Agent Positions' i.e. name, physical address and static IP address assigned thereto.  The CDRs / call logs shall be maintained by OSPs for one year as per existing guidelines.

 4. In case of violation of terms and conditions of work from home facility by any agent or employee and/or by OSP during this period, the OSP shall be subjected to a penalty up to ₹5,00000 per work from home location which is in violation. In addition to above, the OSP registration  is also liable to be cancelled.

OSP / VPN Network

DoT License & Compliance Advisory

 Ozg Law @ Ozg Law @ Ozg Law  @ Ozg Law @ Ozg Law @ Ozg Law
workfromhome.ozg.in

Migration of OSP Registration - Network Compliance Consultant - DoT License

The Ministry of Communication, Department of Telecommunication (DoT) with a view to ensure Ease of Doing Business, in an Instruction dated 15^th November 2018, had announced the launch of a web based portal ‘SARAL SANCHAR’ to simplify the old system. It offers a fully paperless filing platform for OSP license and compliance.

Going forward, DoT by a Circular dated 31^st May 2019 has directed all the existing users who are still registered on the old portal to migrate their registrations to the SARAL SANCHAR Portal with no additional fees as per the instruction as follows:

  1. One Time user registration must be completed on SARAL Sanchar Portal to create Login/Password, if not done earlier.
2. Applicants with Old Registrations will be able to see their Registration details of all old registrations in new portal at www.saralsanchar.gov.in by creating their Log-in ID on the Saral Sanchar portal by following the procedure mentioned there.
3. After logging in the Saral Sanchar Portal, the applicant will be able to migrate Registrations under the tab “OSP Migration Application”.
4. All documents should be digitally signed by applicant. You will not be able to upload any digitally unsigned documents at portal.

Please, note there is no deadline provided for migration of OSP license, but old license and approved network diagram will be effectively invalid until it is approved again at Saral Sanchar portal.

OSP Compliance Consultant

DoT OSP License & Compliance Consultant in Mumbai / Bangalore / Hyderabad
Ozg Law @ Ozg Law @ Ozg Law @ Ozg Law @ Ozg Law @ Ozg Law @ Ozg Law @ Ozg Law

Email: ask@osplicense.com