Net Owned Fund to Deposits ratio requirement restricts accepting or renewing deposits until prescribed compliance is achieved. Amendment substitutes a Table prescribing achievement dates and conditional extensions for meeting the Net Owned Fund to Deposits ratio, ties each non compliance band to specific dates for attaining the prescribed ceiling, prohibits acceptance or renewal of deposits where such action would cause or perpetuate a breach, disallows further extension requests, and exposes continued violators to penal measures including de notification of defaulting nidhi companies.