Section 18(2) in The Jammu and Kashmir Money Lenders and Accredited Loan Providers Act, 2010
(2)Any loan in respect of which the money lender or accredited loan provider has realized from the debtor an amount equal to or more than twice the amount of the principal, shall stand discharged and the amount, if any, so realized in excess of twice the amount of the loan shall be refunded by the money lender or accredited loan provider, as the case may be, to the debtor.
