Rule 12

(1) A creditor shall submit a claim with proof to the bankruptcy trustee on or

before the last date mentioned in the public notice, in Form F. (2) Form F shall be submitted by the creditor through electronic means or by registered post or speed

post or courier. (3) A creditor who fails to submit claim with proof as per sub-rule (1) within the time stipulated in

the public notice, may submit such proof to the bankruptcy trustee till the final date referred to in sub- section (2) of section 176. (4) The creditor shall bear the costs relating to the proof of claim.