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==Procedure==
'''Apply In-Person:''' 
#To renew the money lending licence, a valid moneylender shall apply with the authority (commissioner of commercial tax) by whom the licence was granted or last renewed.
#Link for contact details [http://keralataxes.gov.in/kerala-state-gst-department-directory/ link]
#Please go to the respective office. Get advice on the renewal process. Please collect the renewal application form or write on a plain paper as advised.
#Please complete the application form. Attach the required documents as per our “Required Documents” section of this page along with the applicable renewal fees (treasury receipt / as per the advised format) if any, to the receiving authority.
#After receiving the application, authorities will check the submitted application and document set. If all are in place, the application will be accepted.
#Authorities will make entries about this application in the manual record or electronically using the computer and provide applicant a record number for reference.
#Concerned authority will process the application to check the authenticity of the submitted details. The applicant will be instructed to produce his/her accounts for inspection. The authority, then assess the inspection fee.
#The applicant shall pay the fees as instructed and provide the proof of paying the fees.
#The inspection will be conducted. If required, the authority will visit the premises to do required due diligence.
#Once the inspection is complete and the outcome of the inspection looks satisfactory, the licence will be renewed.
#The status, viz. renewal or rejection if any will be conveyed to the applicant through an SMS or through phone call.
#Please follow the department’s guidelines to get the renewed licence as per applicable norms.
 
'''Note:'''
*All applicant has to follow the respective state moneylenders act rules and regulations.
*The Interest rate and tenure for the loan should be fixed as per state government norms.
*When an application for renewal of a licence is received by the respective licensing authority within the prescribed period, the registration shall, until the application is finally disposed of, be deemed to be valid.
 
 
'''Apply through Centres:'''
#To apply through centres, the applicant has to visit the respective “CSC” centre. Please tap on the following link to locate the centre according to the respective district: [https://www.apnacsconline.in/csc-locator/kerala/ link].
#Make sure to have the documents that are listed under the “Required Documents” section of this page.
#It is advised to take the documents in original to the kiosk for scanning purposes.
#The operator will process the application online.
#On successful submission, the applicant will receive an application number as acknowledgement.
#The status, viz. Approval or Rejection if any, will be conveyed to the applicant through an SMS.
#If verified, the license will be hand delivered or sent through post to the address mentioned while applying in a stipulated period of time.
 

==Required Documents==
*Application form
*Valid money lending licence
*Identity proof
*Ration Card
*Bank account details
*Address of the shop or business (proof of address)
*Fees paid details (Challan or other relevant fee paid details as advised)
*Residential Proof: Residential Certificate issued by Local administration office/ Aadhaar card / Passport / Driving Licence / Ration Card / Government ID card / Defence ID Card / PAN Card
*Age proof (birth certificate / school certificate)
*Applicant passport size photograph
*Aadhaar card
*Judicial stamp as per the value as advised
 
'''Note:'''
*All original and copy of original with self-attestation as advised by respective authorities to be submitted as per requirement.
*Apart from the above documents, authorities may ask to submit additional information or documents. Please provide them for processing.
 

 
==Office Locations & Contacts==
'''Commissionorate''' 
9th Floor, Tax Tower, Killppalam, 
Karamana P.O, Thiruvananthapuram, 
Phone: 0471-2785202, 2785203 
E-mail: cct.ctd@kerala.gov.in 
Contact [http://keralataxes.gov.in/kerala-state-gst-department-directory/ link] 
 
==Eligibility==
*A valid license holder is eligible to apply for renewal.
*An application for renewal of license may be made on any date within three months prior to the expiry of the license.
*The applicant should not have got his/her license cancelled within last six months or the prescribed period before the date of current application.
*No application for renewal of license shall be accepted from the expiry of sixty days of the validity of the license.

 
 
==Fees==
*Please pay the renewal fees as authorities quote.
*Please pay the inspection fees as instructed.
*Security deposit as per requirement.
*Charges for affixing stamp may be required.

 

 
==Validity==
*A registration certificate remain in force for five years from the date on which it is granted and may be renewed from time to time for a period of five years at a time or renewed as per the period mentioned on the license.
 
 
==Documents to Use==
Please attach documents that can be used by people. e.g. links
 
 
==Sample Documents==
Please attach sample completed documents which would help other people who would like to follow this procedure.
 
 
==Processing Time==
*The renewal process can take 7 to 15 days.
 
 
==Related Videos==
Videos explaining the procedure or to fill the applications.
Attach videos using the following tag <&video type="website">video ID|width|height<&/video&> from external websites.
Please remove the "&" inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver,
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url "http://www.youtube.com/watch?v=Y0US7oR_t3M" Video ID is "Y0US7oR_t3M".

 
 
==Instructions==
*Please maintain records and accounts with periodic audit.
*Please follow the guidelines fixed by your state with respect to money lending business.
*There will be sudden check by the licensing authorities.
*Do not submit fake documents as a proof to get this license renewed.
*Incomplete application will be rejected.
*Please avoid spelling mistakes while filling the application form.
*Applicant will be penalized if any information provided by the applicant while applying for this certificate is being found false or incorrect.

 
 
==Required Information==
*Name of the applicant
*Complete address
*Father’s name
*Partner’s name and address if applicable
*Solvency certificate details
*Property details of the applicant and partner (if applicable)
*Financial year for which the renewal is required
*License description
*License number
*Aggregate amount of money lent during the previous year
*Maximum amount of money outstanding to be reduced on any day of the previous year
*The date on which the maximum amount of money was outstanding
*Details of previous year’s security deposit
*Name of the establishment
*Aadhaar card number
*Date of application
*Mobile number
*Email ID
 
 
==Need for the Document==
*A money lending license needs to be renewed for a legitimate business.
*Without renewal, it is illegal to run a money lending business.
 

 
==Information which might help==
*While applying for renewal, the lender should make sure that he/she has not lent money during the non-renewal period.
*Avoid using fabricated documents to avail this renewal, as it is punishable.
*If the rules are not followed, punishment is inevitable.
 
 
==Other uses of the Document/Certificate==
Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.
 
 
==External Links==
*Please follow this link for additional information [https://keralataxes.gov.in/wp-content/uploads/2017/08/KML_ACT.pdf link] and the update on the act is available in the following [http://www.niyamasabha.org/bills/13kla/published/114-pub-eng.pdf link]
 
 
==Others==
More information which might help people.
 

[[Category:Kerala]]

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