Section 26(1) in The Himachal Pradesh Debt Reduction Act, 1976
(1)Any creditor who, after the commencement of this Act, records in his book of accounts or in the statement of account submitted to the debtor as lent to a debtor a sum larger than actually lent, whether by way of charge for expenses, inquiries, fines, bonus, premia, renewals, or otherwise, shall be punished for the first offence with fine which may extent to one hundred rupees, and for a second or subsequent offence with regard to the same or any other debtor with fine which may extent to five hundred rupees
