Arthashastra

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उपस्थितस्य आधिम् अप्रयच्छतो द्वादशण्पणो दण्डः ॥

The pledgee who does not re-convey the pledge when the debtor is ready for it shall be fined 12 panas.

english translation

upasthitasya Adhim aprayacchato dvAdazaNpaNo daNDaH ॥

hk transliteration by Sanscript