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Microlesson · 5-min read

Significant Beneficial Owner (SBO) — Section 90

## Significant Beneficial Owner (Section 90)

### 1. Who is an SBO?

An individual who, acting alone/together or through one or more persons (including trusts), possesses any one of the following rights/entitlements in the reporting company:

  • Directly or indirectly holds ≥ 10% of shares, or
  • Directly or indirectly holds ≥ 10% of voting rights (VR), or
  • Directly or indirectly has the right to receive/participate in ≥ 10% of total dividend (or distributable dividend) in a financial year, or
  • Exercises significant influence or control in any manner other than through direct holding (e.g., power to participate in policy-making decisions).

### 2. Declaration by SBO

StepFormTimeline
SBO declares nature of his interest to CompanyForm BEN-1Within 30 days of becoming SBO
Company files Return of SBO with RoCForm BEN-2Within 30 days of receiving BEN-1
Company maintains Register of SBOForm BEN-3

The Register of SBO (BEN-3) shall be open for inspection by any member during business hours (AOA may restrict but must allow minimum 2 hours) on payment of prescribed fees.

### 3. Onus on the Reporting Company

The company shall issue a Notice in Form BEN-4 to any person whom the company:

  • Has Reason to Believe (RGTB) to be an SBO, or
  • Knows is/was an SBO, or
  • Was an SBO during the last 3 years.

The person must reply within 30 days.

### 4. Application to Tribunal

If the person:

  • Fails to reply, or
  • Reply is unsatisfactory,

the Company may apply to the Tribunal within 15 days. After giving Opportunity of Being Heard (OOBH), the Tribunal may pass an order within 60 days for:

  • Transfer of interest — restricting
  • Restriction on rights (dividend, voting, etc.)
  • O Other suspension

### 5. Relaxation & Transfer to IEPF

  • The company or aggrieved person may apply to the Tribunal within 1 year for relaxation of restrictions.
  • If no application is made within 1 year, such shares shall be transferred to IEPF.

### 6. Penalty

DefaultPenalty
Failure to file BEN-1 (SBO)₹50,000 + ₹1,000/day, Max ₹2,00,000
Failure to file BEN-3 (Register) / BEN-2 / Inspection refusedCompany & officer in default: ₹1 lakh + ₹500/day, Max ₹5 lakh (Co.) / ₹2 lakh (Officer)
Wilful false/incorrect infoLiable under Section 447 (Fraud)

### 7. Non-Applicability of SBO Rules

SBO rules do NOT apply where shares are held by:

  • IEPF Authority (Sec 125)
  • Holding Company of the reporting company (details must be reported)
  • CG, SG, Local Authority or entity controlled by CG/SG
  • SEBI-registered Investment Vehicles: Mutual Fund, AIF, REIT, InvIT
  • Investment vehicles regulated by RBI, IRDA, or Pension Fund Authority

Worked example

### Example 1

Example 1: Mr. A holds 8% shares of ABC Ltd directly. He also indirectly holds 5% through a body corporate of which he is the majority member. Is he an SBO?

Answer: His indirect holding is 5%. Direct holdings (8%) are excluded from the test of SBO status (SBO test considers indirect or combined holding meeting ≥10%). Since indirect alone is < 10%, he is not an SBO based on shareholding test alone. (Note: direct + indirect calculation depends on whether he holds direct as majority shareholder of an intermediate — re-check rules.)

### Example 2

Example 2: XYZ Ltd has reason to believe that Mr. P is an SBO but he has not filed BEN-1. The company issues a BEN-4 notice on 1st April. Mr. P does not reply by 30th April. By when must the company approach the Tribunal?

Answer: Within 15 days from expiry of the 30-day reply period, i.e., by 15th May.

⚠️ Common exam mistakes

  • Confusing the threshold — it is 10% (not 25% as in PMLA definition).
  • Treating a body corporate as SBO — only an INDIVIDUAL can be an SBO.
  • Forgetting the 'last 3 years' look-back for BEN-4 notice.
  • Confusing BEN forms: BEN-1 (declaration), BEN-2 (return to RoC), BEN-3 (register), BEN-4 (notice by company).
  • Missing that the Tribunal must pass order within 60 days after OOBH.
  • Forgetting that shares are transferred to IEPF if no relaxation application is filed within 1 year.
Reference: Section 90 — Companies Act, 2013
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