FMBcapital Holdings Plc (FMBCH.mw) HY2013 Interim Report

first_imgFMBcapital Holdings Plc (FMBCH.mw) listed on the Malawi Stock Exchange under the Banking sector has released it’s 2013 interim results for the half year.For more information about FMBcapital Holdings Plc (FMBCH.mw) reports, abridged reports, interim earnings results and earnings presentations, visit the FMBcapital Holdings Plc (FMBCH.mw) company page on AfricanFinancials.Document: FMBcapital Holdings Plc (FMBCH.mw)  2013 interim results for the half year.Company ProfileFMBcapital Holdings (FMBCH) is the Mauritius based holding company for the FMBcapital Group and was listed on the Malawi Stock Exchange in September 2017 following a one for one share swap with First Merchant Bank of Malawi shareholders. FMBCH has banking and finance operations in Botswana, Malawi, Mozambique, Zambia and Zimbabwe. It is primarily an investment holding company with interests as follows: First Capital Bank, Malawi – 100% (established June 1995)First Capital Bank, Botswana – 38,60% (established July 2008)Capital Bank Mozambique – 70% (acquired June 2013)First Capital Bank, Zambia – 49% (acquired June 2013)First Capital Bank in association with Barclays – 62% (acquired October 2017) Through its subsidiaries, FMBCH offers a comprehensive range of financial products and services to both corporate and retail sectors. The Global Credit Rating Co. has consistently given FMB an annual Long Term Rating of A+ and a Short Term Rating of A1 since 2007. FMBcapital Holdings Plc is listed on the Malawi Stock Exchangelast_img read more

NICO Holdings Limited (NICO.mw) 2015 Abridged Report

first_imgNICO Holdings Limited (NICO.mw) listed on the Malawi Stock Exchange under the Insurance sector has released it’s 2015 abridged results.For more information about NICO Holdings Limited (NICO.mw) reports, abridged reports, interim earnings results and earnings presentations, visit the NICO Holdings Limited (NICO.mw) company page on AfricanFinancials.Document: NICO Holdings Limited (NICO.mw)  2015 abridged results.Company ProfileNICO Holdings Limited provides products and services for general insurance, life insurance and pension administration in the corporate and private sector of Malawi; with interests in banking, asset management and information technology services. NICO Holdings Limited operates in Malawi, Zambia, Tanzania, Uganda, Mozambique and Zimbabwe. It was established in 1965, and was the first general insurance company to list on the Malawi Stock Exchange. Its general insurance division covers segments that range from personal accident and household insurance to construction, engineering, professional indemnity, marine hull and cargo, fire and loss of profits. NICO Holdings Limited also offers insurance for individuals and corporate clients which includes endowment assurance and savings protection. The company has a corporate banking division offering standard products and services, aswell as solutions for foreign exchange, investment management and women business programmes. NICO Holdings Limited has invested in providing technology services to clients, including software and Internet systems and communication solutions, card technology and surveillance systems. NICO Holdings Limited is listed on the Malawi Stock Exchangelast_img read more

Social media helps DEC raise £3 million in one week

first_img Tagged with: Digital Facebook Research / statistics Twitter Social media helps DEC raise £3 million in one week The Disasters Emergency Committee has acknowledged that social media has contributed significantly to the income it has raised for its current appeal.In the first week of the DEC’s appeal for Indonesia, the Philippines and Vietnam, over £3 million was donated, over £1 million which was given in the first 24 hours.BBC websites have been the most significant online referrer to the DEC donations page, but Twitter, which the DEC only started using on 2 October, was the second most important. Facebook, which the charity had previously used very little, was the third largest source of traffic. Advertisement  26 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 18 October 2009 | Newscenter_img The appeal for emergency aid for the hundreds of thousands of people affected by the earthquakes, typhoons, floods, and landslides in East Asia was championed early on by Twitter users Sarah Brown and Stephen Fry who, between them, have more than 1.5 million [email protected] wrote at 13:35 on 4 October: “Do see if you can find it in your heart support the DEC Disasters Appeal for Indonesia, Philippines & Vietnam – donate now at www.dec.org.uk ”@Sarahbrown10 wrote at 20:33 on 6 October: “RT @decappeal – Big international call to support #DEC disasters appeal: www.dec.org.uk Help them make a difference!”DEC were able to take advantage of the almost instant impact of social media by opening its phone lines and website for donations on Sunday 4 October ahead of the main appeals broadcast on Tuesday 6 October.DEC Chief Executive Brendan Gormley said: “Like many charities we had taken a cautious approach to Twitter but when three disasters hit within a week we had to use whatever tools were to hand.“We didn’t hire expensive consultants, rewrite our marketing and communication strategies or develop exhaustive new social media guidelines. We relied on advice from staff and partners already making good use of twitter, trusted their professionalism and common sense, and then dived right in.“The biggest risk we faced was not that we might make a mistake, it was that we would miss a chance to help save more lives.“Despite the very strong response to the appeal the gap between the need and the money available from all sources remains huge.”DEC also uses Flickr and YouTube.www.dec.org.uk AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.last_img read more

Retail Beef and Pork Prices Up

first_img Previous articleCorn Growers Applaud Introduction of Fuel Choice and Deregulation ActNext articleStudents ‘Magnify’ Agriculture During Purdue Ag Week Gary Truitt Higher retail prices for several foods, including sirloin tip roast, ground chuck, deli ham and orange juice, resulted in a slight increase in the American Farm Bureau Federation’s Spring Picnic Marketbasket survey The informal survey shows the total cost of 16 food items that can be used to prepare one or more meals was $53.87, up $.60 or about 1 percent compared to a survey conducted a year ago. Of the 16 items surveyed, eight increased and eight decreased in average price. “Several meat items increased in price, accounting for much of the modest increase in the marketbasket,” said John Anderson, AFBF’s deputy chief economist. “The 1 percent increase shown by our survey tracks closely with the Agriculture Department’s forecast of 2 percent to 3 percent food inflation for 2015,” he said.Items showing retail price increases from a year ago included:sirloin tip roast, up 14 percent to $5.71 per poundground chuck, up 12 percent to $4.61 per poundorange juice, up 7 percent to $3.47 per half-gallontoasted oat cereal, up 7 percent to $3.12 for a 9-ounce boxdeli ham, up 6 percent to $5.53 per poundeggs, up 4 percent to $2.05 per dozenshredded cheddar cheese, up 3 percent to $4.59 per poundpotatoes, up 2 percent to $2.74 for a 5-pound bagThese items showed modest retail price decreases compared to a year ago:flour, down 9 percent to $2.52 for a 5-pound bagbacon, down 8 percent to $4.44 per poundapples, down 8 percent to $1.47 per poundchicken breast, down 7 percent to $3.28 per poundwhole milk, down 6 percent to $3.45 per gallonvegetable oil, down 6 percent to $2.67 for a 32-ounce bottlebagged salad, down 5 percent to $2.47 per poundwhite bread, down 3 percent to $1.75 per 20-ounce loafPrice checks of alternative milk and egg choices not included in the overall marketbasket survey average revealed the following: 1/2 gallon regular milk, $2.24; 1/2 gallon organic milk, $4.47; and one dozen “cage-free” eggs, $3.57.The year-to-year direction of the marketbasket survey tracks closely with the federal government’s Consumer Price Index (https://www.bls.gov/cpi/) report for food at home. As retail grocery prices have increased gradually over time, the share of the average food dollar that America’s farm and ranch families receive has dropped. “Through the mid-1970s, farmers received about one-third of consumer retail food expenditures for food eaten at home and away from home, on average. Since then, that figure has decreased steadily and is now about 16 percent, according to the Agriculture Department’s revised Food Dollar Series,” Anderson said.Using the “food at home and away from home” percentage across-the-board, the farmer’s share of this $53.87 marketbasket would be $8.62.AFBF, the nation’s largest general farm organization, began conducting informal quarterly marketbasket surveys of retail food price trends in 1989. The series includes a spring picnic survey, summer cookout survey, fall harvest survey and Thanksgiving survey.According to USDA, Americans spend just under 10 percent of their disposable annual income on food, the lowest average of any country in the world. A total of 86 shoppers in 29 states participated in the latest survey, conducted in March. SHARE Home Indiana Agriculture News Retail Beef and Pork Prices Up Facebook Twitter Facebook Twitter SHARE By Gary Truitt – Apr 2, 2015 Retail Beef and Pork Prices Uplast_img read more

Editor held illegally for six days because of corruption coverage

first_img to go further News News April 27, 2012 – Updated on January 20, 2016 Editor held illegally for six days because of corruption coverage February 15, 2021 Find out more RSF_en IraqMiddle East – North Africa News Receive email alerts Follow the news on Iraq Reporters Without Borders firmly condemns the way Sherwan Sherwani, the editor of a monthly based in Dohuk, in the far north of Iraq’s autonomous Kurdistan Region, was arrested and held for six days, until finally freed on bail on 25 April.“Sherwani’s detention was arbitrary and illegal under the Law of Journalism in Kurdistan (Law No. 35)” Reporters Without Borders said. “The way this journalist was treated has all the hallmarks of political reprisals for his coverage of corruption allegations. We call on the authorities to drop the charges against him and abandon any prosecution plans.”Sherwani, whose monthly, Bashur Magazine, often has investigative coverage of political corruption in the Kurdistan Regional Government (KRG), was arrested by police on 20 April in Akre, a locality on the eastern outskirts of Dohuk that is controlled by the Kurdistan Democratic Party (KDP), one of the autonomous region’s two main ruling parties.The arrest was the result of a complaint by the Akre municipal government about a May 2011 article accusing the head of the municipality of embezzling public funds, a claim for which the article provide some evidence.During the six days he was held, members of the KDP security forces transferred him to Erbil, where he was taken to task for an old interview with a Kurdish businessman who had accused one of KRG President Massoud Barzani’s brothers of extorting 32 million US dollars from him. From Erbil he was taken to Pirmam (7 km to the northeast of Erbil), where the Barzani family lives, before being taken back to Dohuk.Criticizing Barzani, his family or the KDP or reporting corruption allegations in which they might in any way be involved are all off-limits for journalists in Iraqi Kurdistan.Sherwani was finally freed on bail of 1 million dinars (650 euros) following pressure from the journalists’ union and NGOs. “I will continue to do my duty as a journalist, pressing on with my investigative coverage of corruption despites the risks involved,” he said on his release.Reporters Without Borders also calls on the KRG authorities to provide a completely transparent explanation of their refusal to allow the publication of a book by Aso Jabar called “Hell of Truth,” which describes press freedom violations by the KRG and its abusive treatment journalists, writers and activists. An article in the Kurdistan Tribune quotes Jabar as saying the culture ministry refused to issue a publication permit because of its content. The article also reported that Jabar fled to the United States. Help by sharing this information December 28, 2020 Find out more Related documents Editor held illegally for six days because of corruption coverage – In arabicPDF – 277.11 KB Iraq : Wave of arrests of journalists covering protests in Iraqi Kurdistan RSF’s 2020 Round-up: 50 journalists killed, two-thirds in countries “at peace” Organisation IraqMiddle East – North Africa News Three jailed reporters charged with “undermining national security” December 16, 2020 Find out morelast_img read more

Ulterior motives seen in new bill imposing jail terms and heavy fines on media that publish phone taps

first_imgNews November 19, 2020 Find out more RSF_en Help by sharing this information Ten RSF recommendations for the European Union Prime Minister Silvio Berlusconi’s cabinet today unanimously approved a bill that would restrict the use of phone taps to investigations of crimes carrying prison terms of at least 10 years and would impose heavy fines or jail terms on journalists and news media that publish transcripts of phone taps without a judge’s permission.“There would seem to be ulterior motives to this bill as it would obstruct the work of both the courts and journalists,” Reporters Without Borders said. “It is supposed to provide better protection for privacy, but in practice it would also protect certain crimes from the public’s knowledge and judicial investigation. One wonders about the government’s real motives.”The bill, which will now go before the chamber of deputies and senate, would ban phone taps in investigations of crimes carrying prison terms of less than 10 years, instead of five as is currently the case. Exception would be made for crimes against the state, including corruption cases, for which the minimum sentence would have to only five years. Phone taps would henceforth be banned in “criminal association” and “insider trading” cases.Journalists publishing phone taps without a judge’s permission could henceforth be punished by one to three years in prison while their publishers could be fined up to 100,000 euros for allowing this.In June 2007, Reporters Without Borders warned of the dangers of bill proposed by former justice minister Clemente Mastella that would have drastically restricted the publication of phone taps in the media and would have reduced the ability of reporters and editors to make their own editorial decisions. Just as Mastella’s bill was widely condemned, so today’s bill has been the target of fierce criticism from the National Union of Journalists (FNSI), the president of the Order of Journalists, Lorenzo del Boca, and former Rome mayor Walter Veltroni.Berlusconi, who has himself in the past been the target of phone taps that resulted in several prosecutions, initially said that the new law would make the “illegal” publication of phone taps punishable by five years in prison. ItalyEurope – Central Asia June 13, 2008 – Updated on January 20, 2016 Ulterior motives seen in new bill imposing jail terms and heavy fines on media that publish phone taps Organisation to go further December 2, 2020 Find out morecenter_img On eve of the G20 Riyadh summit, RSF calls for public support to secure the release of jailed journalists in Saudi Arabia News Follow the news on Italy News RSF and 60 other organisations call for an EU anti-SLAPP directive ItalyEurope – Central Asia Receive email alerts News November 23, 2020 Find out morelast_img read more

Man charged with assaulting, spitting on police officer

first_img WhatsApp Pinterest By Odessa American – February 8, 2021 Facebook Man charged with assaulting, spitting on police officer WhatsApp Facebook Pinterestcenter_img TAGS  A 27-year-old man was arrested when he reportedly struck a police officer in the face three times and spit on the same officer three times after the man assaulted his mother. Israel James Salinas was charged with harassment of a public servant, a third-degree felony, assaulting a public servant, a third-degree felony, resisting arrest, search of transport, a class A misdemeanor, and assault (family violence), a class C misdemeanor. The incident started around 11:35 a.m. Saturday in the 4600 block of Valleybrook Lane, a series of Odessa Police Department probable cause affidavits detail. OPD Ofc. Bobby Pietropollo was reportedly dispatched to the listed location after a request for an officer call. The complainant, identified as Christina Salinas, stated that her son Israel Salinas had been in an argument. That argument escalated when Israel Salinas aggressively grabbed his mother by her right arm without her consent. Christina Salinas stated she was in fear for her and her family’s safety and that her son’s aggression toward her and the family had been steadily growing, the affidavit detailed. Israel Salinas reportedly attempted to prevent officer Pietropollo from arresting him by assaulting the officer. Pietropollo was struck three times in the face. Pietropollo was also spit on three times by Salinas, the affidavit detailed. Salinas intentionally spit on Pietropollo as he leaned past other officers to spit on him. Salinas was arrested, charged and transported to the Ector County Law Enforcement Center. He has three bonds totaling $31,500 and was still in custody as of Monday afternoon, jail records show. Twitter Twitter Previous articleGlu Reports Fourth Quarter and Full Year 2020 Financial ResultsNext articleDefending champions Seattle Storm add veteran Candice Dupree Odessa American CrimeFelony ArrestsLocal Newslast_img read more

A New Look at Mortgage Servicing Compensation

first_img Servicers Navigate the Post-Pandemic World 2 days ago About Author: Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago compensation mortgage Servicers Urban Institute 2019-04-23 Seth Welborn Previous: FHFA’s Calabria on “Meeting the Mileposts” for GSE Reform Next: Home Point Financial Acquires Wholesale Division of Platinum Mortgage The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: compensation mortgage Servicers Urban Institute April 23, 2019 2,179 Views Home / Daily Dose / A New Look at Mortgage Servicing Compensation Sign up for DS News Daily Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago A New Look at Mortgage Servicing Compensation A new report published by Urban Institute, Urban’s Housing and Finance Policy Center, and the Mortgage Servicing Collaborative (MSC) discusses three options for how best to approach mortgage servicing compensation structure. The report is divided into three options: retain the status quo, move to a fee-for-service model, or move to a central default utility model.According to MSC members, retaining the status quo would reduce NPL costs and improve borrower outcomes. Members in favor of retaining the status quo note that the current loss mitigation toolkit is more robust than was the case historically. Additionally, the MSC notes that nonbanks have increased their servicing market presence in recent years as banks have pulled back. The risk associated with the status quo is the lack of a formal structure to fund the high cost of servicing nonperforming loans.The next option, according to Urban, is the fee-for-service model for nonperforming loans, in which servicers would handle the servicing of performing loans as they do today, but the way they get compensated would change to ensure continued revenues, even for delinquent loans. Instead of receiving the full 25 basis point fee for performing and effectively nothing for nonperforming loans, servicers would retain less than 25 basis points while the loan is current.The last option Urban and the MSC suggest is the the creation of a central utility for default servicing, a larger change than a fee-for-servicing option. Servicers would continue to service performing loans as they do today but would outsource the loss mitigation function to a central default utility once a loan becomes 60 days delinquent.While some MSC members note that they want a change to the compensation model, some are in support of maintaining the status quo. To learn more about the options and changes proposed, you can read the complete brief here.  Print This Post Demand Propels Home Prices Upward 2 days ago Subscribe in Daily Dose, Featured, Foreclosure, Loss Mitigation, News, Servicinglast_img read more

Unionists want Bloody Sunday invesigation to include Martin McGuinness

first_imgNewsx Adverts NPHET ‘positive’ on easing restrictions – Donnelly By News Highland – July 6, 2012 Pinterest Twitter There have been calls for investigators to look into what role, if any, the North’s Deputy First Minister played on Bloody Sunday.13 people were shot dead by the British Army in Derry in 1972.The Saville Inquiry said it was likely Martin McGuinness was in the city and ”probably armed with a sub-machine gun.”A murder investigation – involving up to 30 P-S-N-I staff – has now been launched by Police in the North.Ulster Unionist MLA Tom Elliott believes Mr McGuinness has questions to answer:[podcast]http://www.highlandradio.com/wp-content/uploads/2012/07/18elliblood.mp3[/podcast] Unionists want Bloody Sunday invesigation to include Martin McGuinness Pinterest WhatsApp Three factors driving Donegal housing market – Robinson RELATED ARTICLESMORE FROM AUTHOR Facebookcenter_img Google+ Twitter Previous articleJudge orders end to Bundoran club’s ‘drinks war’Next articleEaragail Arts Festival kicks off as Clipper race leaves Derry News Highland Facebook WhatsApp 448 new cases of Covid 19 reported today Google+ Calls for maternity restrictions to be lifted at LUH Help sought in search for missing 27 year old in Letterkenny Guidelines for reopening of hospitality sector publishedlast_img read more

OBC Reservation Cannot Exceed 50%: Supreme Court Reads Down Section 12(2)(c) Maharashtra Zilla Parishads and Panchayat Samitis Act

first_imgTop StoriesOBC Reservation Cannot Exceed 50%: Supreme Court Reads Down Section 12(2)(c) Maharashtra Zilla Parishads and Panchayat Samitis Act LIVELAW NEWS NETWORK4 March 2021 5:19 AMShare This – xThe Supreme Court read down Section 12(2)(c) of the Maharashtra Zilla Parishads and Panchayat Samitis Act, 1961 which provides reservation of 27 per cent of seats in the Zilla Parishads and Panchayat Samitis.”Reservation in favour of OBCs in the concerned local bodies can be notified to the extent that it does not exceed aggregate 50 per cent of the total seats reserved in favour …Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Supreme Court read down Section 12(2)(c) of the Maharashtra Zilla Parishads and Panchayat Samitis Act, 1961 which provides reservation of 27 per cent of seats in the Zilla Parishads and Panchayat Samitis.”Reservation in favour of OBCs in the concerned local bodies can be notified to the extent that it does not exceed aggregate 50 per cent of the total seats reserved in favour of SCs/STs/OBCs taken together.”, the bench comprising Justices AM Khanwilkar, Indu Malhotra and Ajay Rastogi observed.The court observed that the rigid interpretation of the provision would be violative of the dictum laid down by the Constitution bench in K. Krishna Murthy (Dr.) & Ors. v. Union of India 2010) 7 SCC 202 that the State legislations providing for reservation of seats in respect of OBCs, it must ensure that in no case the aggregate vertical reservation in respect of SCs/STs/OBCs taken together should exceed 50 per cent of the seats in the concerned local bodies.”The provision in the form of Section 12(2)(c) can be saved by reading it down, to mean that reservation in favour of OBCs in the concerned local bodies may be notified to the extent, that it does not exceed 50 per cent of the total seats reserved in favour of SCs/STs/OBCs taken together. In other words, the expression “shall be” preceding 27 per cent occurring in Section 12(2)(c), be construed as “may be” including to mean that reservation for OBCs may be up to 27 per cent but subject to the outer limit of 50 per cent aggregate in favour of SCs/STs/OBCs taken together, as enunciated by the Constitution Bench of this Court. On such interpretation, Section 12(2)(c) can be saved and at the same time, the law declared by the Constitution Bench of this Court can be effectuated in its letter and spirit.”, the bench said.The bench observed that the following triple test/conditions are required to be complied by the State before reserving seats in the local bodies for OBCs:”To wit, (1) to set up a dedicated Commission to conduct contemporaneous rigorous empirical inquiry into the nature and implications of the backwardness qua local bodies, within the State; (2) to specify the proportion of reservation required to be provisioned local body wise in light of recommendations of the Commission, so as not to fall foul of overbreadth; and (3) in any case such reservation shall not exceed aggregate of 50 per cent of the total seats reserved in favour of SCs/STs/OBCs taken together. In a given local body, the space for providing such reservation in favour of OBCs may be available at the time of issuing election programme (notifications). However, that could be notified only upon fulfilling the aforementioned pre­conditions. Admittedly, the first step of establishing dedicated Commission to undertake rigorous empirical inquiry itself remains a mirage. To put it differently, it will not be open to respondents to justify the reservation for OBCs without fulfilling the triple test, referred to above”The court ruled thus while disposing writ petitions which sought a declaration that Section 12(2)(c) of the Maharashtra Zilla Parishads and Panchayat Samitis Act is ultra vires the provisions of Articles 243­D and 243­T including Articles 14 and 16 of the Constitution of India. The writ petitions had also challenged the validity of the notifications issued by the State Election Commission, Maharashtra providing for reservation exceeding 50 per cent in respect of Zilla Parishads and Panchayat Samitis of districts Washim, Akola, Nagpur and Bhandara .Partly allowing the writ petitions, the bench quashed the impugned notifications. “As a consequence, follow up steps taken on the basis of such notifications including the declaration of results of the candidates against the reserved OBC seats in the concerned local bodies, are declared non est in law; and the seats are deemed to have been vacated forthwith prospectively by the concerned candidate(s) in terms of this judgment.”, the bench added.Case: Vikas Kishanrao Gawali vs. State Of Maharashtra [WP 980 OF 2019]Coram: Justices AM Khanwilkar, Indu Malhotra and Ajay RastogiCitation: LL 2021 SC 13Click here to Read/Download JudgmentRead JudgmentNext Storylast_img read more