Karta is the most active member in a Joint Hindu Family Business . The right to manage the business vests in Karta alone . He has the implied authority to obtain loans through mortgages etc . For the purpose of the business . His decisions are binding on other members . Other members have neither any right to manage the affairs of business nor any right to take loans on mortagage of business property.
But if Karta is inefficient and incapable for managing the business , he may ruin the business . The decisions of such a person (Karta) may not be acceptable to other members , which may cause conflicts , resulting in the break-down of the family business .