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It is not Adharma to charge or pay interest. Manusmriti 8.140 to 8.142 says the following 8.140 The money-lender shall stipulate an interest sanctioned by Vasiṣṭha, for increasing the capital. He shall take monthly the eightieth part of a hundred.—(140) 8.141 Or, remembering the duty of the righteous, he may take two in the hundred; by taking ...

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