at the time of taking the loan, in the case of secured loans, or twelve and a half per centum per annum simple interest in the case of unsecured loans: Provided that the provisions of this clause shall not apply if the loan has been advanced by any bank which is a ‘scheduled bank’ as defined in the State Bank of Pakistan Act, 19569, or anyGoogle's free service instantly translates words, phrases, and web pages between English and over 100 other languages.(4) The term “loan” means an advance whether secured or unsecured of money or in kind at interest [as defined in section 2(6) of the Punjab Regulation of Accounts Act, 1930 (I of 1930)] and shall include any transaction which 43[the court or the 44[District OfficerAn Ordinance to amend and consolidate the law relating to money-lenders in the province of [3] [the Punjab] (l) “loan” means an advance whether secured or unsecured of money or in kind at interest and shall include any tran

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