Friday, 12 May 2017

SAT says Pancard Clubs is pure CIS and must refund Rs7,035 crore to investors -The Total Investment & Insurance Solutions

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12 May 2017

The Securities Appellate Tribunal (SAT) has upheld an order of the Securities and Exchange Board of India (SEBI) that Pancard Clubs Ltd (PCL) is a collective investment scheme (CIS), which needs to be wound up and the Rs7,035 crore that the company had collected, should be refunded to investors across the country. The Total Investment & Insurance Solutions


"In our considered view, the argument put forth by PCL fails to take away from the fact that the share capital of the Company stands at a meagre Rs50 lakh, while the money mobilized under their holiday scheme is over Rs7,000 crore. Further, investments to the tune of over Rs1,000 crore have been made towards acquiring hotels and resorts, thereby expanding their inventory of properties on offer in the holiday scheme by utilising the proceeds of the impugned scheme. Needless to say that the corpus of money accumulated by PCL by way of contributions to the holiday scheme is well above the limit of Rs100 crore set under the proviso of clause 1 of subsection 2 of Section 11AA of the SEBI Act, crossing which, a scheme is deemed to be a CIS," the Bench of Justice JP Devadhar, Jog Singh and DR CKG Nair said in its order. The Total Investment & Insurance Solutions


The Bench further stated, "...the appellants transferred these investments to other schemes but have given a false affidavit that investors have voluntarily switched over to the non-refundable schemes. This seems to be an afterthought manoeuvring by the appellants with a view to deprive the investors of benefits which were originally promised by the appellants under the earlier schemes which in fact govern the relationships or obligations and entitlements". 

Four intervention petitions were filed before the SAT. The Interveners, contended that they were doubtful of whether the PCL would be able to repay all its investors the amount of about Rs7,035 crore. PCL has disposed of its assets to repay investors disregarding several conditions that were to be complied with as put forth by SEBI before such disposal, the interveners argued.

They further contended that PCL had failed to submit details of their property to SEBI in time and it is on persistence by SEBI that they belatedly supplied truncated details casting doubt upon the genuineness of the appellants’ intentions, through advocate Rabindra Hazari.

"The Interveners through their miscellaneous applications have brought on record, though belatedly before this Tribunal, instances where the original receipts and the other documents of the investors were collected by the appellant company leaving the investors high and dry even without the documents. Mr Hazari has shown us many documents to bring home his points. The additional documents which the interveners wanted to bring on record were not produced before SEBI while the proceedings were going on for many years. However, Mr Hazari has fairly submitted that he would fully support the SEBI order so that the interest of all investors in the appellants’ various schemes could be protected effectively and since we are going to dismiss the appeals by upholding the order of SEBI, all these intervention applications shall, accordingly, stand disposed of," the SAT Bench said.


Earlier in November 2015, the SAT had asked Pancard Clubs to immediately repay investors who had filed the intervention application. During the hearing Fredun Devitre, Counsel for SEBI, complained that PCL was deliberately avoiding and evading order issued by the market regulator on 29 February 2016, inter alia, to provide full inventory of all the assets and details of properties held by PCL's directors by making bald references to "Bungalow at Versova, Mumbai", and "5 Star Property at Pune" without disclosing any specific particulars whatsoever. The SAT Bench then had warned PCL that such deliberately incomplete disclosures are evidence of bad faith and further fraud by the company and its directors.The Total Investment & Insurance Solutions

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