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[Cites 11, Cited by 0]

Bangalore District Court

In Sri.Ramesh Keshav vs Central Bureau Of on 13 May, 2016

   IN THE COURT OF THE XLVII ADDITIONAL CITY
  CIVIL & SESSIONS JUDGE & SPECIAL JUDGE FOR
        C.B.I. CASES (CCH-48), BENGALURU

           Dated this the 13th day of May 2016

   Present: SRI.ASWATHA NARAYANA, B.Sc., LL.M.,
          XLVII Additional City Civil & Sessions Judge
           & Special Judge for CBI Cases, Bengaluru.


                CRIMINAL APPEAL
             Nos.396/2012 & 463/2012


APPELLANT IN           Sri.Ramesh Keshav,
CRIMINAL APPEAL        S/o.Late Sri.Keshav,
NO.396/2012            Aged about 59 years,
(Accused-4 before      Residing at No.438,
Trial Court):          1st & 3rd Block East,
                       19th Main, Jayanagar,
                       Bengaluru-560 011.

                       As per Charge Sheet:

                       Sri.Keshav Hegde,
                       S/o.Sri.Sudarshan Hegde,
                       Consultant-K.R.Associates,
                       No.121/1, 1st Main,
                       2nd Stage, West of Chord Road,
                       Mahalakshmipuram
                       Bengaluru.

                       (By Sri.R.Vidyasagar,
                             Advocate.)


APPELLANTS IN           1. Sri.S.Shashidhar,
CRIMINAL APPEAL            S/o.Sri.N.Shivashankar,
NO.463/2012                Aged about 49 years,
(Accused-1 & 2             Residing at No.136/1,
before Trial Court):       Ground Floor, 1st Main,
 2                                       Common Judgment in Criminal
                                      Appeal Nos.396/2012 & 463/2012




                                    8th Cross, Chamarajpet,
                                    Bengaluru-560 018.

                              2. Sri.C.Ganesh,
                                 S/o.Late Sri.M.Chandra-
                                 shekaraiah,
                                 Aged 46 years,
                                 Residing at No.127,
                                 "Rudra Krupa",
                                 First Floor, 4th Cross,
                                 1st 'N' Block, Rajajinagara,
                                 Bengaluru-560 010.

                                   (By Sri.R.B.Sadasivappa,
                                          Advocate.)

                            -Vs-

    RESPONDENT                Central Bureau of
    IN BOTH THE               Investigation,
    CRIMINAL APPEALS:         Bank Security & Fraud Cell,
    (Complainant before Trial Gangenahalli Main Road,
     Court):                  Bengaluru-560 032.


                                   (By Public Prosecutor.)



        COMMON JUDGMENT IN CRIMINAL APPEAL
             NOs.396/2012 & 463/2012

            These 2 Appeals are filed against the Judgment of
       Conviction and Sentence passed by the XVII Additional
       Chief Metropolitan Magistrate and Special Court for CBI
       Cases,   Bengaluru   (for    short,   'the   Trial   Court')    in
       C.C.No.17181/2009      on      30.06.2012     convicting       and
       sentencing the Accused-1 and 2 for the offence punishable
       under Sections 420 r/w. 120-B and 120-B of the Indian
 3                                  Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




    Penal Code, 1860 (for short, 'the IPC'), the Accused-4 for
    the offence punishable under Section 120-B, 419, 420,
    467, 468 and 471 of the IPC.


          2. As the Respondent in these 2 Appeals is one and
    the same person, as these 2 Appeals are from a common
    Judgment passed by the Trial Court, as the evidence relied
    upon by both the parties is one and the same in these
    Appeals and as the contentions of all the parties of these
    Appeals are similar, for the sake of convenience, these
    Appeals are taken together for disposal through a Common
    Judgment.


          3. The Appellant in Criminal Appeal No.396/2012
    was the Accused-4 and the Appellants-1 and 2 in Criminal
    Appeal   No.463/2012      were    the    Accused-1    and   2
    respectively in C.C.No.17181/2009 before the Trial Court.
    The Respondent of these 2 Appeals was the Complainant in
    C.C.No.17181/2009 before the Trial Court. For the sake of
    convenience, parties of these Appeals are referred to as
    per their rank before the Trial Court.


          4. Before the Trial Court, the Complainant filed
    Charge Sheet alleging that the Accused-1 to 5, Late
    Sri.Jeevanand Kini and Late Sri.Rajesh Pai entered into
    Criminal Conspiracy during 2004-2005 to Cheat the Indian
    Overseas Bank, Malleshwaram Branch, Bengaluru (for
    short, 'the Bank') by availing Liqui-rent Loan       from the
    Bank by committing forgery, using forged and fake
 4                                     Common Judgment in Criminal
                                    Appeal Nos.396/2012 & 463/2012




    documents and also cheating by personation and that in
    pursuance of the said Criminal Conspiracy, the Accused-1
    to 5 and Late Sri.Jeevanand Kini and Late Sri.Rajesh Pai
    committed all those illegal acts and that they caused
    wrongful loss of Rs.613.29 Lakhs to the Bank and
    corresponding wrongful gain for themselves and that
    thereby, the Accused-1 to 5 have committed an offence
    punishable under Sections 120-B r/w. 419, 467, 468 and
    471 of the IPC, the Accused-1 and 2 have committed an
    offence punishable under Section 420 of the IPC and that
    the Accused-3 to 5 have committed an offence punishable
    under Sections 419, 420, 467, 468 and 471 of the IPC.


             5. After furnishing Copies of Charge Sheet to the
    Accused-1 to 5 and after hearing both the sides before
    framing Charge, the Trial Court framed Charge against the
    Accused-1 to 5 for the offence punishable under Sections
    120-B r/w. 467, 468, 471, 419 and 420 of the IPC, against
    the Accused-1 and 2 for the offence punishable under
    Sections 420 r/w. 120-B of the IPC and against the
    Accused-3 to 5 for the offence punishable under Sections
    419 r/w. 120-B and Sections 420, 467, 468 and 471 of the
    IPC. When the said Charge was read over and explained to
    the Accused-1 to 5, they did not plead guilty and claimed
    trial.


             6.   During   trial   before   the   Trial   Court,   the
    Complainant got examined 44 Witnesses as P.W.1 to
 5                                    Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




    P.W.44 and got marked 280 Documents as Ex.P.1 to
    Ex.P.280     on   his   behalf.    With     that    evidence,   the
    Complainant closed his side. On examination of the
    Accused-1 to 5 under Section 313 of the Code of Criminal
    Procedure, 1973 (for short, 'the Cr.P.C.), the Accused-1
    to 5 denied all the incriminating evidence placed against
    them. They closed their side without examining any
    witnesses and without producing any documents on their
    behalf.


          7. After hearing arguments of both the sides, the
    Trial Court passed Judgment on 30.06.2012 convicting and
    sentencing the Accused-1 to 5 as under:

        1.     For the offence punishable under Section
               420 r/w. 120-B of the IPC, the Accused-1
               and 2 shall undergo Simple Imprisonment
               for a period of 1 year and pay a fine of
               Rs.500/-     each      and     undergo     Simple
               Imprisonment for a period of 3 months in
               default to pay fine amount;


        2.     For the offence punishable under Section
               120-B of the IPC, the Accused-1 and 2 shall
               undergo Simple Imprisonment for a period
               of 1 year and pay a fine of Rs.500/- each
               and undergo Simple Imprisonment for a
               period of 3 months in default to pay fine
               amount;
 6                            Common Judgment in Criminal
                           Appeal Nos.396/2012 & 463/2012




    3.   For the offence punishable under Section
         419 of the IPC, the Accused-3 to 5 shall
         undergo Simple Imprisonment for a period
         of 1 year and pay a fine of Rs.500/- each
         and undergo Simple Imprisonment for a
         period of 3 months in default to pay fine
         amount;


    4.   For the offence punishable under Section
         420 of the IPC, the Accused-3 to 5 shall
         undergo Simple Imprisonment for a period
         of 1 year and pay a fine of Rs.500/- each
         and undergo Simple Imprisonment for a
         period of 3 months in default to pay fine
         amount;


    5.   For the offence punishable under Section
         467 of the IPC, the Accused-3 to 5 shall
         undergo Simple Imprisonment for a period
         of 3 years and pay a fine of Rs.500/- each
         and undergo Simple Imprisonment for a
         period of 3 months in default to pay fine
         amount;


    6.   For the offence punishable under Section
         468 of the IPC, the Accused-3 to 5 shall
         undergo Simple Imprisonment for a period
         of 1 year and pay a fine of Rs.500/- each
         and undergo Simple Imprisonment for a
 7                                 Common Judgment in Criminal
                                Appeal Nos.396/2012 & 463/2012




             period of 3 months in default to pay fine
             amount.

        7.   For the offence punishable under Section
             471 of the IPC, the Accused-3 to 5 shall
             undergo Simple Imprisonment for a period
             of 1 year and pay a fine of Rs.500/- each
             and undergo Simple Imprisonment for a
             period of 3 months in default to pay fine
             amount.

        8.   For the offence punishable under Section
             120-B of the IPC, the Accused-3 to 5 shall
             undergo Simple Imprisonment for a period
             of 1 year and pay a fine of Rs.500/- each
             and undergo Simple Imprisonment for a
             period of 3 months in default to pay fine
             amount.


         8. Aggrieved by the said Judgment of conviction and
    sentence, the Accused-1, 2 and 4 have filed these Appeals.


         9. Sum and substance of the grounds urged by the
    Accused-1 and 2 in their Appeals are as follows:

         The Judgment and sentence are erroneous and
    unsustainable both in law and on facts.    The Trial Court
    has failed to note that the Accused-1 and 2 are quite
    innocent, not guilty of the offences alleged against them,
    there was no Complaint against them and that their names
    have not figured in the FIR. The Trial Court has failed to
 8                                       Common Judgment in Criminal
                                      Appeal Nos.396/2012 & 463/2012




    note that the Accused-1 and 2 have neither purchased the
    property nor sold the property and that in no way, they
    have committed the offence punishable under Sections 420
    r/w. 120-B of the IPC. The Trial Court has failed to note
    that   the   Accused-1      and    2   were     the   employees     of
    M/s.R.J.Agro Private Limited and that on the instructions of
    their Superior Officers, they have signed on Sale Deeds-
    Ex.P.15 and Ex.P.27 as witnesses and that they are
    nothing to do with the contents of those documents or
    financial    transactions   between       the    Vendor      and   the
    Purchaser.     The Trial Court has failed to note that the
    partners of M/s.R.J.Agro Private Limited committed suicide
    by leaving Death Note-Ex.P.223 stating that except them,
    none is responsible. The Trial Court has failed to note that
    as the Accused-1 and 2 have not committed forgery,
    neither Section 420 of the IPC nor Section 120-B of the
    IPC attracts and as such, conviction of the Accused-1 and
    2 for those offences is wholly erroneous. The Trial Court
    has failed to appreciate that the evidence of P.W.1 to
    P.W.44 and contents of Ex.P.1 to Ex.P.280 do not implicate
    the Accused-1 and 2. Sentence passed by the Trial Court
    is excessive. The impugned Judgment and sentence are
    otherwise also erroneous and liable to be set aside.



           10. Sum and substance of the grounds urged by the
    Accused-4 in his Appeal are as follows:

           The Judgment of the Trial Court is an unreasoned
    Judgment       passed    without       considering     and     legally
 9                                         Common Judgment in Criminal
                                        Appeal Nos.396/2012 & 463/2012




    appreciating the evidence on record. There is no evidence
    placed by the Complainant against the Accused-4 for an
    offence punishable under Section 467 of the IPC. In fact,
    there is not even a factual basis for a Charge against the
    Accused-4 for the said offence.             The Complainant has
    failed to prove that there was any benefit or gain to the
    Accused-4, so as to record guilty of cheating punishable
    under Section 420 of the IPC. So far as the Charge
    regarding impersonation is concerned, the Trial Court has
    not at all considered the Cross-examination of P.W.12,
    which has resulted in miscarriage of justice. Though there
    is no admissible and acceptable evidence, the Trial Court
    has committed error in convicting the Accused-4 for an
    offence punishable under Section 419 of the IPC. The Trial
    Court    has    failed   to    appreciate    the       fact   that   the
    Investigating    Officer      has    conducted     a    lopsided     and
    prejudiced investigation by leaving out 2 persons, though
    investigation points out their direct involvement in the
    crime.    The Trial Court has erred in not complying the
    dictum of the Hon'ble Supreme Court that the prosecution
    must prove the Charge against the Accused beyond all
    reasonable doubts. The Trial Court ought to have acquitted
    the Accused-4 and hence, the Judgment of the Trial Court
    is liable to be set aside.


            11. Heard arguments of both the sides. Perused
    records including the Written Arguments filed on behalf of
    the Accused-4.
 10                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




          12. The learned Counsel appearing on behalf of the
     Accused-1 and 2 has relied upon the following citations:


               1. H.Siddiqui (dead) by Lrs. -Vs-
                  A.Ramalingam [2011 (3) SCJ 245];

               2. Ajay Mitra -Vs- State of M.P. and
                  Others [2003 (2) Crimes 196 SC];

               3. Anil Ritolla @ A.K.Ritolia -Vs- State
                  of Bihar and Another [2007 (4)
                  Crimes 44 SC];

               4. Beni Chand -Vs- Kamla Kunwar
                  [AIR 1977 SC 63];

               5. Smt.Hans Raji -Vs- Yosodanand
                  [AIR 1996 SC 761].


           13. Sum and substance of the principles laid down in
     the decisions of the above citations are as follows:-

               Admitting one's signature on a document
               does not amount to admitting contents of
               the document. Admissibility of a document
               or contents thereof may not necessarily lead
               to draw any inference unless the contents
               thereof have some probative value;

               A guilty intention is an essential ingredient
               of the offence of cheating. In other words,
               'mens rea' on the part of the Accused must
               be established before he can be convicted of
               an offence of cheating;

               It is well settled that in order to attract
               Section 420 of the IPC, the allegations
               contained in the Complaint Petition must,
               prima facie, show inducement of the Accused
               by making a representation;

               By attestation is meant the signing of a
               document to signify that the attestor is a
 11                                  Common Judgment in Criminal
                                  Appeal Nos.396/2012 & 463/2012




              witness to the execution of the document
              and an attesting witness is one who signs
              the document in the presence of the
              executant after seeing the execution of the
              document or after receiving a personal
              acknowledgement from the executant as
              regards the execution of the document;

              Sale Deed of Immovable property is not
              required by law to be attested. It is not
              necessary   to   examine    the    attesting
              witnesses in proof of execution of the Sale
              Deed.


           14. The learned Counsel appearing on behalf of the
     Accused-4 has relied upon the following citations:-


              1. State (NCT of Delhi) -Vs- Navjot
                 Sandhu @ Afsan Guru [2005
                 SCC(Crl.)1715];

              2. Amar Nath -Vs-           State    [1971
                 Crl.L.J.1335];

              3. N.Mani -Vs- State by Deputy
                 Superintendent      of  Police
                 [Judgment in Criminal R.C.No.
                 532/2005, dated 26.07.2011 of
                 Madras High Court];

              4. Venkatesha @ Chandra @ Kishna
                 -Vs- State [Judgment in Crl.Appeal
                 No.1407/2006      C/w.    Criminal
                 Appeal     No.1202/2006,     dated
                 24.09.2010 of Hon'ble High Court
                 of Karnataka];

              5. Ravindra Alias Ravi Bansi Gohar
                 -Vs- State of Maharashtra and
                 Others [1998 SCC (Crl) 1527].
 12                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




           15. Sum and substance of the principles laid down in
     the decisions of the above citations are as follows:-

               The gist of the offence of Criminal
               Conspiracy is an Agreement to break the
               law. The parties to such an Agreement will
               be guilty of Criminal Conspiracy, though the
               illegal act agreed to be done has not been
               done. The unlawful agreement and not its
               accomplishment is the essence of the crime
               of Conspiracy. If there is proof to the effect
               that the Accused played a role, attended to
               certain things or took steps consistent with
               the    common      design   underlying     the
               Conspiracy, that will go a long way in
               establishing the complicity of the Accused,
               though it is not a legal requirement that
               Conspirator should do any particular act
               beyond the agreement of Conspiracy;

               In most cases, proof of Conspiracy is largely
               inferential though the inference must be
               founded     on   solid  facts.  Surrounding
               circumstances      and    antecedent     and
               subsequent conduct, among other factors,
               constitute relevant material;

               A few bits here and a few bits there on which
               the Prosecution relies cannot be held to be
               adequate for connecting the accused in the
               offence    of   Criminal   Conspiracy.   The
               circumstances before, during and after the
               occurrence can be proved to decide about
               the complicity of the Accused;

               Mere forging of body writing in any Cheque
               belonging to other does not by itself make it
               available for being used for the purpose of
               cheating any one. Prosecution has to
               establish that the signatures thereon had
               been made by the Accused himself;

               The expert evidence in every case must
               receive   conclusive    corroboration    from
               circumstantial   evidence.   Wherever      the
               evidence combined unerringly points to the
               direction of the guilt of a particular person
               and when it is possible to determine that he
               alone could have committed the forgery, only
 13                                  Common Judgment in Criminal
                                  Appeal Nos.396/2012 & 463/2012




              then the offence defined by Section 463 of
              the IPC can be held to have been proved.
              The Prosecution has, therefore, to establish
              that only the particular person charged with
              having committed forgery has committed the
              offence;

              It is now well settled that normally,
              identification of the Accused for the first
              time before the Court without holding a test
              identification parade by the Taluka Executive
              Magistrate, would have no value and would
              not prove the identity of the Accused.
              However, where the Accused were known to
              the victim or the victim had sufficient time
              at the time of incident to gain the impression
              about the personality and the identity of the
              Accused and was able to depose about the
              identification of the Accused before the
              Court as the person who committed the
              offence, in exceptional cases, holding of the
              test identification parade can be dispensed
              with.


          16. Keeping in view the above principles of law, these
     Appeals are dealt with.


          17. On considering the rival contentions of the
     parties, the Points that arise for determination in these
     Appeals are as follows:

          1. Whether the Trial Court has committed
             error in holding that the Accused-1 and 2
             Cheated the Bank, as appealed?

          2. Whether the Trial Court has committed
             error in holding that the Accused-4
             committed Cheating by Personation in the
             transactions relating to the Current Account
             at Oriental Bank of Commerce, as
             appealed?
 14                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




           3. Whether the Trial Court has committed
              error in holding that the Accused-4
              committed forgery, as appealed?

           4. Whether the Trial Court has committed
              error in holding that the Accused-4 used
              forged documents as genuine documents
              knowing to be forged documents, as
              appealed?

           5. Whether the Trial Court has committed
              error in holding that the Accused-4 Cheated
              the Bank, as appealed?

           6. Whether the Trial Court has committed
              error in holding that the Accused-1, 2 and 4
              committed Criminal Conspiracy with the
              Accused-3, 5, Late Sri.U.Jeevanand Kini and
              Late Sri.Rajesh Pai, as appealed?

           7. Whether the Conviction and Sentence
              passed by the Trial Court against the
              Accused-1, 2 and 4 are illegal, as appealed?

           8. What Order?


           18. Findings of this Court on the above Points are as

     follows:

           Point No.1 :   Negative;

           Point No.2 :   Affirmative;

           Point No.3 :   Negative;

           Point No.4 :   Affirmative;

           Point No.5 :   Negative;

           Point No.6 :   Affirmative, so far as the
                          Accused-1 & 2 are concerned;
 15                                Common Judgment in Criminal
                                Appeal Nos.396/2012 & 463/2012




                         Negative, so far as the
                         Accused-4 is concerned;


          Point No.7 :   Affirmative, so far as the Accused-
                         1 & 2 are concerned in respect of
                         offence punishable under Section
                         120-B & Section 420 of the IPC;

                         Affirmative, so far as the Accused-
                         4 is concerned in respect of the
                         offence punishable under Sections
                         420, 467 & 468 of the IPC;

                         Negative, so far as the Accused-4
                         is concerned in respect of the
                         offence punishable under Section
                         120-B, Section 419 & Section 471
                         of the IPC.


          Point No.8 :   See final portion of this Judgment.


                          REASONS

         19. Before dealing with the Points considered for
     determination, it is just and proper to have a glance
     about the case against the Accused-3 and 5 in order
     to understand the case against the Accused-1, 2 and
     4. The evidence available on record shows that:
 16                                Common Judgment in Criminal
                                Appeal Nos.396/2012 & 463/2012




       Late    Sri.U.Jeevanand           Kini     and     Late
       Sri.Rajesh Pai were the Partners of the
       Firm-M/s.R.J.Agro;

       Those 2 persons, the Accused-3 and 5
       entered into Criminal Conspiracy during the
       year 2004 to Cheat the Bank to avail Liqui-
       rent    loan   by     way     of     Cheating        by
       Personation, Forgery and Using the Forged
       Documents as genuine documents;

       In     pursuance    of      the     said        Criminal
       Conspiracy, Late Sri.U.Jeevanand Kini and
       Late Sri.Rajesh Pai approached the Bank on
       02.12.2004 for Liqui-rent loan against the
       loan receivable from the properties situated
       at 7th floor and 8th floor, HMG Ambassador,
       Residency Road, Bengaluru, which were
       proposed to be purchased from M/s.Tower
       Land     Developers      Private         Limited    and
       M/s.Panna      Financial     and         Real    Estate
       Developers Private Limited, and submitted
       false and forged documents to the Bank
       and the Bank sanctioned loan of Rs.298.74
       Lakhs in the name of Late Sri.U.Jeevanand
       Kini and Rs.285 Lakhs in the name of Late
       Sri.Rajesh Pai on 14.12.2004;
 17                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




       In furtherance of the said Conspiracy, the
       Accused-3       committed            cheating         by
       personation by executing Sale Deeds on
       29.12.2004      in    respect        of     the   said
       properties situated in 7th floor and 8th floor
       in the name of Late Sri.U.Jeevanand Kini
       and Late Sri.Rajesh Pai by personating as
       "Kishore Budhrani, Authorized Signatory of
       M/s.Tower Land Developers Private Limited
       and M/s.Panna Financial and Real Estate
       Developers      Private     Limited"        and   Late
       Sri.U.Jeevanand Kini and Late Sri.Rajesh
       Pai submitted the said false and forged
       Sale    Deeds   to    the    Bank     as     proof    of
       purchase of property;

       In     furtherance    of    the      said     Criminal
       Conspiracy,     the    Accused-3            committed
       cheating by      personation by            opening a
       Current Account in the name of M/s.Tower
       Land Developers Private Limited                   with
       Oriental Bank of Commerce, Indira Nagara
       Branch,    Bengaluru,       on      23.12.2004        by
       personating as 'Kishore Budhrani, Director
       of Tower Land Developers Private Limited
       and       he     deposited           Cheque           of
       Rs.1,15,00,000/-       in    that    Account         and
 18                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




       withdrawn the same by personating as
       'Kishore Budhrani';

       In   furtherance         of    the     said   Criminal
       Conspiracy,        the        Accused-3       and     5
       committed     cheating         by    personation      by
       opening a Current Account at State Bank of
       Mysore,    Cunningham Road, Bengaluru, in
       the name of M/s.Panna Financial and Real
       Estate    Developers          Private      Limited   on
       18.12.2004 by personating as "Kishore
       Budhrani and Goutham Budhrani, Directors
       of the said Companies", and they deposited
       Cheques       of         Rs.1,09,00,000/-            and
       Rs.1,46,20,000/- in that Account and the
       same was withdrawn by the Accused-3 and
       5 by personating as 'Kishore Budhrani and
       Goutham Budhrani';

       In   pursuance       of       the     said    Criminal
       Conspiracy, Late Sri.U.Jeevanand Kini and
       Late Sri.Rajesh Pai, the Accused-3 and 5
       cheated the Bank causing loss to the tune
       of   Rs.613    Lakhs          to     the   Bank      and
       corresponding            wrongful          gain      for
       themselves;
 19                                      Common Judgment in Criminal
                                      Appeal Nos.396/2012 & 463/2012




         On 08.12.2006, Late Sri.U.Jeevanand Kini
          and Late Sri.Rajesh Pai committed suicide
          by leaving Death Note admitting their guilt.

     By appreciating the said evidence available on record,
     the Trial Court convicted and sentenced the Accused-3
     and 5 for the offence punishable under Sections 419,
     420, 467, 468, 471 and 120-B of the IPC. The
     Accused-3 and 5 did not file any Appeal against the
     said Judgment of conviction and sentence.                    On the
     other hand, by accepting that Judgment, they suffered
     punishment. Thus, case against the Accused-3 and 5
     has reached its finality.


                                POINT-1

          20. As observed above, it is settled now that the
     Accused-3      committed    Cheating          by     Personation    by
     personating as 'Kishore Budhrani', while executing the Sale
     Deeds-Ex.P.15        and   Ex.P.27       in        favour   of     Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai in the Sub-
     Registrar's Office and that he and Late Sri.U.Jeevanand
     Kini and Late Sri.Rajesh Pai forged those Sale Deeds. The
     Accused-1      and    2    are     the    employees         of     Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai in the Firm-
     M/s.R.J.Agro     Private    Limited.          According     to     the
     Complainant, the Accused-1 and 2 cheated the Bank by
     signing   as   witnesses    to    Ex.P.15       and     Ex.P.27    and
 20                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     identifying the Accused-3 as 'Kishore Budhrani' in the Sub-
     Registrar's Office. In order to substantiate the said
     contention, the Complainant has relied upon the evidence
     of P.W.27, P.W.30 and P.W.44.


          21. It is not in dispute that Ex.P.15 and Ex.P.27 were
     executed on 29.12.2004.     P.W.27 and P.W.30, who were
     the Sub-Registrars, have deposed that the Accused-1 and
     2 have signed as witnesses to Ex.P.15 and Ex.P.27.
     P.W.44 is the Handwriting Expert.   He has compared the
     Specimen Signatures of the Accused-1 and 2 as per
     Ex.P.37 and Ex.P.38 with their signatures in Ex.P.15 and
     Ex.P.27 and given his Opinion as per Ex.P.259 with
     Reasons for his Opinion as per Ex.P.260. His evidence and
     contents of Ex.P.259 and Ex.P.260 show that the Accused-
     1 and 2 have signed as witnesses to Ex.P.15 and Ex.P.27,
     which support the evidence of P.W.27 and P.W.30. Thus,
     it is clear that the Accused-1 and 2 have signed on Ex.P.15
     and Ex.P.27 as witnesses.


          22. The Accused-1 and 2 have not disputed that they
     have signed in Ex.P.15 and Ex.P.27 as witnesses. On the
     other hand, in their Examination under Section 313 of the
     Cr.P.C., as well as while Cross-examining the material
     witnesses, they have admitted that they are the witnesses
     to those documents.    It is their contention that as they
     were working under Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai, they have signed as witnesses in those Sale
     Deeds as directed by Late Sri.U.Jeevanand Kini and Late
 21                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     Sri.Rajesh Pai. It is also their contention that except Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai, no other
     person was present when they signed as witnesses to
     those Sale Deeds and that they have not identified the
     Accused-3 as 'Kishore Budhrani'. But, the evidence of
     P.W.27 and P.W.30 shows that both purchasers and seller
     were present in the Sub-Registrar's Office, when those
     Sale Deeds were executed and registered in the presence
     of the Accused-1 and 2. The evidence of P.W.27 and
     P.W.30 as well as the recitals of Ex.P.15 and Ex.P.27 show
     that the Accused-1 and 2 have identified the seller and
     purchasers of the properties under those documents by
     getting their signatures to Ex.P.15 and Ex.P.27 as attesting
     witnesses. This evidence negatives the contention of the
     Accused-1 and 2 that except Late Sri.U.Jeevanand Kini and
     Late Sri.Rajesh Pai, who were the purchasers, no other
     person was present at the time of execution of those Sale
     Deeds.


           23. As per Section 3 of the Transfer of Property Act,
     1882 and the decision reported in AIR 1977 SC 63,
     referred to above, an attesting witness is one who signs
     the document in the presence of the executant after seeing
     the execution of the document or after receiving a
     personal acknowledgement from the executant as regards
     the execution of the document.    As the Accused-1 and 2
     have signed Ex.P.15 and Ex.P.27 as attesting witnesses, it
     is clear that they have personally seen execution of
     Ex.P.15 and Ex.P.27 by the executant of those Sale Deeds.
 22                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




     As observed above, the Accused-3 has executed those
     Sale Deeds by personating as 'Kishore Budhrani'. Hence, it
     is clear that the Accused-1 and 2 have identified the
     Accused-3   as    'Kishore   Budhrani',   when   he    executed
     Ex.P.15 and Ex.P.27 in the Sub-Registrar's Office.


          24.    According   to    the   Complainant,      by   falsely
     identifying the Accused-3 as 'Kishore Budhrani' in Ex.P.15
     and Ex.P.27, the Accused-1 and 2 have cheated the Bank.
     According to the Complainant, cheating relating to this
     case is deceiving the Bank and inducing the Bank to grant
     Liqui-rent loan to Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai.   Ex.P.11 shows that the Bank sanctioned
     Liqui-rent loan to Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai on 14.12.2004 and that the loan amount
     was disbursed to them on 29.12.2004 itself even before e
     xecution of Ex.P.15 and Ex.P.27.       None of the witnesses
     examined on behalf of the Complainant and none of the
     documents relied upon by the Complainant show that the
     Accused-1 and 2 had been to the Bank at any time,
     participated in any of the process relating to sanction and
     disbursal of the loan by the Bank to Late Sri.U.Jeevanand
     Kini and Late Sri.Rajesh Pai. There is nothing to show that
     the Accused-1 and 2 in any manner deceived the Bank or
     induced the Bank to sanction loan to Late Sri.U.Jeevanand
     Kini and Late Sri.Rajesh Pai. Though there is evidence to
     show that the Accused-1 and 2 falsely identified as the
     Accused-3 as 'Kishore Budhrani' on 29.12.2004 while
 23                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     executing Ex.P.15 and Ex.P.27 i.e., after sanction and
     disbursal of loan to Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai, there is no evidence to show that by
     believing the said false identification by the Accused-1 and
     2, the Bank sanctioned and disbursed loan to Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. As Ex.P.15
     and Ex.P.27 have come into existence subsequent to
     sanction and disbursal of loan to Late Sri.U.Jeevanand Kini
     and Late Sri.Rajesh Pai, question of sanctioning and
     disbursing loan by the Bank on the basis of Ex.P.15 and
     Ex.P.27 does not arise. There is nothing to show on behalf
     of the Complainant that the Bank has acted upon any of
     the acts of the Accused-1 and 2 in identifying the Accused-
     3 as 'Kishore Budhrani' in Ex.P.15 and Ex.P.27 to sanction
     and disburse the loan to Late Sri.U.Jeevanand Kini and
     Late Sri.Rajesh Pai and thereby the Bank was deceived.
     There is also no evidence to show that with an intention to
     deceive or cheat the Bank, the Accused-1 and 2 falsely
     identified the Accused-3 as 'Kishore Budhrani' in Ex.P.15
     and Ex.P.27. Under all these circumstances, it is not
     possible to accept the bare contention of the Complainant
     that the Accused-1 and 2 cheated the Bank by falsely
     identifying the Accused-3 as 'Kishore Budhrani' in Ex.P.15
     and Ex.P.27.


          25. The Trial Court, though rightly held that the
     Accused-1 and 2 have falsely identified the Accused-3 as
     'Kishore Budhrani' in Ex.P.15 and Ex.P.27, has not at all
 24                                Common Judgment in Criminal
                                Appeal Nos.396/2012 & 463/2012




     considered any of the facts and circumstances, referred to
     above, to show that the act of false identification by the
     Accused-1 and 2 amounts to Cheating the Bank. The Trial
     Court has not at all stated as to how and in what manner
     the Accused-1 and 2 have Cheated the Bank. By relying
     upon the Opinion of P.W.44 that Challans and Cheques-
     Ex.P.86, Ex.P.87, Ex.P.89, Ex.P.90, Ex.P.119, Ex.P.123,
     Ex.P.126, Ex.P.133 and Ex.P.134 are in the handwriting of
     the Accused-2 and Ex.P.134-Cheque for Rs.1,50,000/- was
     issued in the name of the Accused-2, the Trial Court has
     jumped to a conclusion that the Accused-1 and 2 have
     committed Cheating. The said Challans and Cheques are
     nothing to do with sanction and disbursal of loan by the
     Bank to Late Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai.
     There is nothing to show that the Accused-1 and 2 were
     benefited in any manner through those Cheques and
     Challans. As an employee of M/s.R.J.Agro Private Limited,
     which belonged to Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai, the Accused-2 might have filled up the
     Cheques and Challans in his official capacity and he might
     have received Cheque-Ex.P.134 in his official capacity.
     Hence, those Cheques and Challans do not throw any light
     to show that the Accused-1 and 2 cheated the Bank in any
     manner. Though there is no evidence at all to show that
     the Accused-1 and 2 cheated the Bank in any manner or
     the false identification of the Accused-1 and 2 in Ex.P.15
     and Ex.P.27 deceived the Bank or induced the Bank to
     sanction and disburse the loan to Late Sri.U.Jeevanand
 25                                  Common Judgment in Criminal
                                  Appeal Nos.396/2012 & 463/2012




     Kini and Late Sri.Rajesh Pai and though there is no
     evidence to show that the Accused-1 and 2 are benefited
     in any manner from the loan granted by the Bank to Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai, the Trial
     Court has committed error in holding that the Accused-1
     and 2 Cheated the Bank. For all these reasons, this Point
     is answered in the negative.


                              POINT-2

             26. According to the Complainant, the Accused-4 is
     'Keshav    Hegde,   S/o.Sri.Sudarshan   Hegde,   Consultant,
     K.R.Associates, No.121/1, I Main, II Stage, West of Chord
     Road,     Mahalakshmipuram,      Bengaluru'.   P.W.42   has
     collected documents relating to S.B.Account and Housing
     Loan Account from P.W.23-Sri.Jojo Varghese and P.W.28-
     Sri.Kuncheria Thomas, who were the Officers of Federal
     Bank.


             27. Ex.P.253 is the Account Opening Form relating to
     S.B.Account No.17423 of Federal Bank of Rajajinagara
     Branch.    This document consists of Copy of PAN Card of
     the Account Holder also.    Ex.P.254 and Ex.P.255 are the
     Challans and Ex.P.256 is the Accounts Extract pertaining to
     that Account. As per these documents, Sri.Keshav Hegde
     has opened that Account on 28.06.2004 and made
     transactions in that Account.    Ex.P.253 and Copy of PAN
     Card show the Photo of the Accused-4. Contents of
     Ex.P.253 and Ex.P.256 show the description of said
 26                                     Common Judgment in Criminal
                                     Appeal Nos.396/2012 & 463/2012




     'Sri.Keshav Hegde', which fully tally with the description of
     the Accused-4 as contended by the Complainant. This
     circumstance and the Photos of the Accused-4 in Ex.P.253
     and Copy of PAN Card fortify the contention of the
     Complainant.


           28. Ex.P.220 is the File relating to Housing Loan
     Account of Sri.Keshav Hegde and his wife-Smt.Meena
     K.Hegde with the same Federal Bank, Rajajinagara Branch.
     This File consists of Loan Application Form with Photos of
     the Accused-4 & his wife and Income Tax Returns.
     Contents of these documents show that Sri.Keshav Hegde
     and his wife-Smt.Meena K.Hegde applied to Federal Bank,
     Rajajinagara Branch, for Housing Loan on 28.06.2004 by
     submitting their Income Tax Returns. Description of
     Sri.Keshav Hegde in those documents fully tally with the
     description    of    the   Accused-4   as    contended     by   the
     Complainant.        This   circumstance     and   Photos   of   the
     Accused-4 and his wife in Ex.P.220 fortify the contention of
     the Complainant that the Accused-4 is 'Keshav Hegde'.


           29. In his Examination under Section 313 of the
     Cr.P.C., the Accused-4 has contended that he is not
     'Keshav Hegde', he did not go to Federal Bank to open any
     Account and that the Photographs are morphed and
     misused.      However, it is not his contention that the said
     Photographs referred to in Ex.P.220, Ex.P.253 and PAN
     Card are not his Photographs. It is not explained by the
     Accused-4 as to how these Photographs are morphed and
 27                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     misused. There is also no explanation from the Accused-4
     as to how the Photographs went to Federal Bank, if at all
     he did not open those Accounts. Though he has stated that
     he is not 'Keshav Hegde', he has not stated as to what is
     his actual name. However, he has taken a bald contention
     that he is 'Ramesh Keshav, S/o.Late Sri.Keshav, Residing
     at No.438, 1st & 3rd Block East, 19th Main, Jayanagara,
     Bengaluru-11'.   But, there is nothing to show that he is
     'Ramesh Keshav' as contended by him.       There is also no
     explanation from the Accused-4 as to why the Federal
     Bank Officers create such documents in the name of the
     Accused-4 and his wife, if at all he had not opened such
     S.B.Account and not taken Housing Loan. In the absence
     of all these explanations and any material to show that the
     Accused-4 is not 'Keshav Hegde' and that he is 'Ramesh
     Keshav' as contended by him and in view of the contents
     of Ex.P.220 and Ex.P.253 to Ex.P.256, it has to be inferred
     that the Accused-4 is 'Keshav Hegde' as contended by the
     Complainant and that he himself has opened S.B.Account
     and that he has taken Housing Loan from Federal Bank,
     Rajajinagara Branch, as contended by the Complainant.


          30. According to the Complainant, the Accused-4
     committed Cheating by Personation by personating as
     'Goutham Budhrani' in the transactions relating to Current
     Account No.1000425 at Oriental Bank of Commerce, New
     Thippasandra     Branch,   Bengaluru.   According   to   the
     Complainant, the Accused-3 and 4 opened that Current
 28                                      Common Judgment in Criminal
                                      Appeal Nos.396/2012 & 463/2012




     Account in the name of M/s.Tower Land Developers by
     giving their names as 'Kishore Budhrani' and 'Goutham
     Budhrani' respectively and they did transactions in those
     names relating to that Current Account. As observed
     above, the Accused-3 has been held guilty for such
     Cheating by Personation and he has received punishment
     for that offence without challenging the Judgment of the
     Trial Court.


           31. P.W.12-Smt.Nitya Rajesh was working as an
     Officer   in   that   Oriental    Bank   of   Commerce,   New
     Thippasandra Branch, Bengaluru, from 2004 to 2007. She
     has deposed that a Current Account was opened in the
     name of M/s.Tower Land Developers Private Limited on
     23.12.2004 by 'Kishore Budhrani' as Managing Director
     and 'Goutham Budhrani' as Director of that Firm. She has
     deposed that the Accused-3 and 4 had come on that day
     to the Bank with an Application Form-Ex.P.79 to open that
     Account. She has further deposed that Ex.P.80-Form
     No.60, Ex.P.81-Income Tax Letter, Ex.P.82-Board Resolution
     and Ex.P.83-Memorandum of Association and Articles of
     Association were produced by them at the time of opening
     of that Account. She has also deposed that Ex.P.102 is the
     Specimen Signature Card containing Photographs of the
     Accused-3 and 4. She has further deposed that she
     verified the Introducer's Signature and that the Bank
     Manager permitted to open the Account. She has further
     deposed that the Accused-3 and 4 were in the Branch
     Manager's Cabin and that she saw them at that time. She
 29                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     has identified Ex.P.84 as the Account Extract pertaining to
     that Account and Ex.P.85 as Pay-In-Slip regarding initial
     deposit made by the Accused-3 and 4 while opening that
     Account. She has further deposed that Ex.P.86, Ex.P.87,
     Ex.P.89 and Ex.P.90 are the Pay-In-Slips and Ex.P.88,
     Ex.P.91 to Ex.P.99 are the Cheques through which the
     transactions are made in that Current Account. Contents of
     Ex.P.79   and   Ex.P.102    show      that   Current   Account
     No.1000425 was opened in the name of Tower Land
     Developers   Private   Limited   by    Kishore   Budhrani   as
     Managing Director and Goutham Budhrani as Director and
     that there are Photos of the Accused-3 and 4 in the
     Specimen Signature Card relating to that Account. Other
     documents, referred to above, show the transactions made
     in that Account in the names of Kishore Budhrani and
     Goutham Budhrani.      It is pertinent to observe here that
     Cheque for Rs.40,000/- as per Ex.P.96 was issued in the
     name of the Accused-4 and that he encashed that Cheque
     through his personal S.B.Account, which is reflected in
     Ex.P.256. As such, all these documents corroborate the
     evidence of P.W.12, which also supports the contention of
     the Complainant that the Accused-4 opened Current
     Account along with the Accused-3 and that he made
     transactions through that Account by personating as
     'Goutham Budhrani'.


          32. In the Cross-examination made on behalf of the
     Accused-3, P.W.12 has stated that she saw the Accused-3
 30                                Common Judgment in Criminal
                                Appeal Nos.396/2012 & 463/2012




     and 4 for the first time when they were present in the
     Cabin of the Manager while opening the Account. She has
     stated that thousands of people come to the Bank to open
     the Account and that she cannot identify each one of them.
     She has further deposed that she identified the Accused-3
     and 4 before the Court based on the Photographs affixed in
     Ex.P.102. To a question that, persons shown in Ex.P.102
     had not come to the Bank at any time, she has stated that
     the person, whose Photograph which is on the right side of
     Ex.P.102 shown as 'Goutham Budhrani', was very much
     present on that day. Said Photograph, referred to by
     P.W.12 in Ex.P.102, is that of the Accused-4. From the
     said answer of P.W.12, it is clear that P.W.12 is so
     confident in identifying the Accused-4 as the person, who
     had come to the Bank to open the Account by giving his
     name as 'Goutham Budhrani'. This circumstance further
     fortifies the contention of the Complainant that the
     Accused-4 personated as 'Goutham Budhrani' in opening
     the Current Account and doing the transactions in that
     Account.


          33. In the Cross-examination made on behalf of the
     Accused-4, P.W.12 has stated that the Current Account
     was opened in 10 to 15 minutes from the time the
     customer came to the Branch, the coming of the customer
     to open that Account was informed to her by the Branch
     Manager and that when she entered the Cabin, the
     Manager was sitting on the right side of the door and the
     customer was sitting on the left side and that when the
 31                                  Common Judgment in Criminal
                                  Appeal Nos.396/2012 & 463/2012




     Manager told her to open the Current Account, to say so, it
     has taken 30 seconds and that after that, again she did not
     go to the Cabin of the Manager. She has stated that she
     identified the Accused-4 before the Court based on the
     Photo shown to her as per Ex.P.102. On the basis of these
     answers, the leaned Counsel appearing on behalf of the
     Accused-4 has contended that as P.W.12 has seen the
     persons, who opened the account on that day, for only 10
     to 15 minutes, it is impossible to remember them for
     identifying them before the Court and that only on the
     basis of Ex.P.102, she has said that the Accused-4 had
     come to the Bank to open the Account.        It is his further
     argument that as P.W.12 has seen those persons for the
     first time in the Bank, without the aid of Test Identification
     Parade,   her   evidence   cannot   be   accepted   regarding
     identification of the Accused-4. It is his further contention
     that as the Investigating Officer has not conducted Test
     Identification Parade, the evidence of P.W.12 cannot be
     believed at any stretch of imagination. It is true that as
     per the evidence of P.W.12, she saw the Accused-4 for the
     first time when he had come to the Bank to open the
     Account and that she has identified the Accused-4 before
     the Court on the basis of Photo available in Ex.P.102. But,
     it is not her evidence that only on the basis of Photo
     available in Ex.P.102, she has identified the Accused-3 and
     4. P.W.12 has processed the papers for opening that
     Account. She has seen the Photos on that day along with
     the Accused-3 and 4. As elicited in the Cross-examination
 32                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     on behalf of the Accused-4, the Bank Manager had extra
     interest in getting that Account opened as early as
     possible. This answer shows that the Bank Manager had
     special interest on the Accused-3 and 4.     As P.W.12 has
     seen the Accused-3 and 4 on that day along with their
     Photos and as special treatment was given by the Bank
     Manager to the Accused-3 and 4 while opening that
     Account, as an Officer of the Bank, it is not difficult to
     P.W.12 to remember and identify the Accused-3 and 4 as
     she has processed the papers for opening the Account.
     Under these circumstances, it is not fit to accept the bare
     argument of the learned Advocate appearing on behalf of
     the Accused-4 that in the absence of Test Identification
     Parade, the evidence of P.W.12 has to be rejected.


           34. In the Cross-examination made on behalf of the
     Accused-4,   P.W.12   has   stated   that   when   she   gave
     evidence, P.W.10-Sri.Vasan was present in the court
     premises. On the basis of this answer, it is the argument
     of the learned Advocate appearing on behalf of the
     Accused-4 that at the instance of P.W.10-Sri.Vasan, who
     was the Manager of the Bank, P.W.12 has deposed falsely
     against the Accused-4. But, P.W.12 has denied the
     suggestions put to her in this regard on behalf of the
     Accused-4. She has stood well in the test of Cross-
     examination in this regard.    P.W.10 was not in service
     when P.W.12 gave her evidence. The evidence of P.W.10
     does not show his special interest, if any, in this case and
 33                                Common Judgment in Criminal
                                Appeal Nos.396/2012 & 463/2012




     any ill will against the Accused-3 and 4. His evidence also
     does not show that he has influenced P.W.12 or any of the
     witnesses relating to this case. Under these circumstances,
     it is not fit to accept the bare argument of the learned
     Counsel appearing on behalf of the Accused-4 that at the
     influence of P.W.10, P.W.12 has given false evidence
     against the Accused-4.


          35. It is the explanation of the Accused-4 that he did
     not go to the Oriental Bank of Commerce to open the
     Current Account and that his Photo has been morphed and
     misused. It is not explained by him as to by whom and
     how his Photo has been morphed and misused. He has not
     shown any basis for such morphing and misusing. There is
     no acceptable evidence from him as to how his Photo went
     to the Bank. There is also no explanation from him as to
     why he received Cheque-Ex.P.96, which relates to the
     Current Account, in his original name-Keshav Hegde and
     that why he encashed that Cheque through his personal
     S.B.Account. Absence of these explanations fortifies the
     evidence of P.W.12, which supports the contention of the
     Complainant. On considering the undisturbed evidence of
     P.W.12, which is well supported by the documentary
     evidence as observed above and in the absence of
     acceptable evidence or explanation on behalf of the
     Accused-4, it is crystal clear that the Accused-4 opened
     Current Account by dishonestly concealing his real identity
     and Personating as 'Goutham Budhrani' along with the
 34                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




     Accused-3 for wrongful gain, he and the Accused-4 made
     transactions in that Current Account and that thereby
     Cheated the Oriental Bank of Commerce by Personation.


          36. By appreciating the evidence available on record
     and considering all the circumstances, the Trial Court has
     also come to the same conclusion that the Accused-4
     personated    as   'Goutham    Budhrani',    opened    Current
     Account along with the Accused-3 and that he has made
     transactions in the name of 'Goutham Budhrani'.       The Trial
     Court has not committed any error in holding that the
     Accused-4     committed    Cheating     by   Personation    by
     personating as 'Goutham Budhrani' in the transactions
     relating to Oriental Bank of Commerce. Accordingly, this
     Point is answered in the affirmative.


                               POINT-3


          37.     The learned Public Prosecutor has contended
     that the Accused-4 along with the Accused-3 committed
     forgery by fabricating Ex.P.80-Form No.60, Ex.P.81-Letter
     of Allotment of PAN Card, Ex.P.82-Resolution and Ex.P.83-
     Memorandum of Association and Articles of Association for
     the purpose of opening Current Account at Oriental Bank
     of Commerce. In support of her argument, the learned
     Public Prosecutor has relied upon the evidence of P.W.34
     and P.W.37.
 35                                       Common Judgment in Criminal
                                       Appeal Nos.396/2012 & 463/2012




          38. P.W.34-Sri.Goutham Budhrani is one of the
     Directors of M/s.Tower Land Developers Private Limited
     and M/s.Panna Financial and Real Estate Developers
     Private Limited. He has deposed that there is no person in
     his family by name-Kishore Budhrani and that his Firms do
     not have Account in any Banks at Bengaluru City. P.W.37-
     Sri.Vasudev Narasingh Hegde is the Vice President of
     Budhrani Groups, which own the Firms-M/s.Tower Land
     Developers Private Limited and M/s.Panna Financial and
     Real Estate Developers Private Limited. He has deposed
     that he was looking after the Accounts and Finances of
     those Companies. He has further deposed that there is no
     person   in   the   family   of    Budhrani   by   name-'Kishore
     Budhrani' or any person by that name is in service. He has
     further deposed that Ex.P.56, Ex.P.61 and Ex.P.62-Copies
     of Minutes of Extraordinary General Meeting are forged
     documents and that those documents were not issued by
     his Company. He has also deposed that no such person by
     name-'Kishore Budhrani' was in the Company nor there
     was anybody authorized with that name. Though these 2
     witnesses have not stated specifically that Ex.P.80 to
     Ex.P.83 are forged, they have specifically stated that there
     was no person by name 'Kishore Budhrani' and that their
     Firms-M/s.Tower Land Developers Private Limited and
     M/s.Panna Financial and Real Estate Developers Private
     Limited had no Accounts in any Banks at Bengaluru City.
     As observed above, the Accused-3 and 4 opened Current
     Account at Oriental Bank of Commerce by personating as
 36                                    Common Judgment in Criminal
                                    Appeal Nos.396/2012 & 463/2012




     'Kishore Budhrani' and 'Goutham Budhrani' and while
     opening that Account, they have produced Ex.P.80 to
     Ex.P.83, which indicate authorizing 'Kishore Budhrani' and
     'Goutham Budhrani' to open and operate the said Current
     Account.   There is no explanation from the Accused-3 as
     well as the Accused-4 as to how Ex.P.80 to Ex.P.83 came
     to their hands.     As the Accused-3 and 4 opened Current
     Account    by    personating   as   'Kishore      Budhrani'     and
     'Goutham Budhrani' by producing Ex.P.80 to Ex.P.83 and
     as the said 2 Firms-M/s.Tower Land Developers Private
     Limited    and    M/s.Panna    Financial    and     Real    Estate
     Developers Private Limited do not have any Account in any
     of the Banks at Bengaluru City and as there was no such
     person by name-'Kishore Budhrani' relating to those 2
     Firms and as no such authorization was given to 'Kishore
     Budhrani' and 'Goutham Budhrani' to open and operate the
     Account, it has to be inferred that Ex.P.80 to Ex.P.83 are
     false and forged documents.


           39. Though the evidence on record indicates that
     Ex.P.80 to Ex.P.83 are forged documents, there is no
     evidence to show that the Accused-4 has forged those
     documents. The evidence of P.W.34 and P.W.37 or that of
     any   other      witnesses   examined      on   behalf     of   the
     Complainant do not show that the Accused-4 is responsible
     for forgery of Ex.P.80 to Ex.P.83. Hence, it is not possible
     to accept the bare argument of the learned Public
 37                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




     Prosecutor that the Accused-4 has forged Ex.P.80 to
     Ex.P.83.


           40. It is pertinent to observe here that it is not at all
     the case of the Complainant in the Charge Sheet that the
     Accused-4 forged Ex.P.80 to Ex.P.83.       In fact, Charge is
     also not framed by the Trial Court to the effect that the
     Accused-4 has forged those documents. On the other
     hand, the Charge framed by the Trial Court against the
     Accused-4 is to the effect that he, the Accused-3 and 5
     manipulated,     forged   and    fabricated     the   property
     documents      i.e.,   Sale     Deed    dated     29.12.2004,
     Encumbrance Certificate and Khatha Certificates relating to
     property Nos.701 to 704 of 7th Floor, HMG Ambassador.
     But, there is no evidence on behalf of the Complainant
     against the Accused-4 in respect of the said Charge also.
     Except opening the Current Account along with the
     Accused-3 at Oriental Bank of Commerce by personating
     as 'Kishore Budhrani' and 'Goutham Budhrani' and doing
     transactions relating to that Current Account, the Accused-
     4 has not done any act of forgery or creating false
     documents relating to any other transactions pertaining to
     this case.   Hence, it is not fit to accept the allegation of
     forgery made by the Complainant against the Accused-4.


           41. At Para-50 and 51 of the Judgment of the Trial
     Court, by observing that the Accused-3 to 5 prepared and
     produced fabricated documents like Articles of Association
     and Memorandum of Association and other documents,
 38                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     which is nothing but forging or fabricating documents, the
     Trial Court has held that the Accused-4 is guilty of forgery.
     But, the Trial Court has not referred to any evidence
     showing that the Accused-4 forged those documents.        In
     fact, the Trial Court itself has observed that there is no
     direct evidence to show that those documents were forged
     by the Accused. There is also no indirect evidence to infer
     that the Accused-4 has forged those documents.       Inspite
     of the same, the Trial Court has held that the Accused-4 is
     also responsible for forgery of those documents. The said
     observation of the Trial Court is arbitrary and capricious as
     it is not supported by any evidence. As such, there is error
     on the part of the Trial Court in holding that the Accused-4
     has committed forgery. For all these reasons, this Point is
     answered in the negative.


                             POINT-4

           42. As observed above, Ex.P.80 to Ex.P.83 are
     forged documents. As observed above, the Accused-3 and
     4 committed Cheating by Personation by opening Current
     Account at Oriental Bank of Commerce in the name of
     'Kishore Budhrani & Goutham Budhrani' by producing
     Ex.P.80 to Ex.P.83.     As the Accused-3 and 4 are not
     'Kishore Budhrani' and 'Goutham Budhrani' as claimed by
     them, while opening the said Current Account, they were
     very well knowing that Ex.P.80 to Ex.P.83 do not pertain to
     them and that they are forged documents. The Accused-3
     and 4 used those forged documents as genuine documents
 39                                     Common Judgment in Criminal
                                     Appeal Nos.396/2012 & 463/2012




     to open the Current Account in the Bank and to do
     transactions by pretending as 'Kishore Budhrani' and
     'Goutham Budhrani'. The evidence on record also shows
     that they did transactions in those names through that
     Account.   As such, it is clear that knowing fully well that
     Ex.P.80 to Ex.P.83 are forged documents, the Accused-3
     and 4 fraudulently and dishonestly used those documents
     as genuine documents for opening Account in the Bank
     and   to   do   transactions      through   that   Account.   By
     appreciating the evidence available on record, the Trial
     Court has also come to the same conclusion and it has not
     committed any error in holding that the Accused-4 used
     forged documents as genuine documents knowing fully
     well that they are forged documents. For all these reasons,
     this Point is answered in the affirmative.


                                POINT-5


           43. According to the Complainant, the Accused-4
     Cheated the Bank by causing wrongful loss to the Bank to
     the tune of Rs.274 Lakhs by opening Current Account at
     Oriental Bank of Commerce, Indiranagara Branch, in the
     name of M/s.Tower Land Developers Private Limited by
     personating     himself    as     'Goutham     Budhrani'      and
     withdrawing the amount from that Account.           Question of
     Cheating by Personation relating to opening of Current
     Account    at   Oriental   Bank    of   Commerce     and   doing
     transactions in that Current Account by the Accused-4, has
 40                                      Common Judgment in Criminal
                                      Appeal Nos.396/2012 & 463/2012




     been dealt with under Point-2. Now, it has to be seen as
     to whether the Accused-4 cheated the Bank i.e., Indian
     Over Seas Bank, Malleshwaram Branch, to the tune of
     Rs.274 Lakhs as alleged by the Complainant.


             44. Cheating the Bank relating to this case, as
     observed above, is deceiving the Bank and inducing the
     Bank to grant and disburse Liqui-rent loan to Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. As observed
     above, the evidence on record shows that the Bank
     sanctioned the said Liqui-rent loan to Late Sri.U.Jeevanand
     Kini and Late Sri.Rajesh Pai on 14.12.2004 and that the
     loan amount was disbursed to them on 29.12.2004 itself
     on     the   basis   of   the   documents   submitted   by   Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai.


             45. The overt act done by the Accused-4 relating to
     this case is opening of Current Account on 23.12.2004 by
     him and the Accused-3 jointly at Oriental Bank of
     Commerce, New Thippasandra Branch, in the name of
     M/s.Tower Land Developers Private Limited by personating
     as 'Goutham Budhrani' and withdrawing the amount from
     that    Current      Account    by   personating   as   'Goutham
     Budhrani'. The evidence on record shows that Cheques-
     Ex.P.25       for     Rs.1,15,00,000/-      and    Ex.P.26    for
     Rs.1,53,00,000/- given to the Accused-3 by the Bank on
     29.12.2004 on behalf of Late Sri.U.Jeevanand Kini and
     Late Sri.Rajesh Pai, for having purchased the properties
 41                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




     under Sale Deeds-Ex.P.15 and Ex.P.27 out of the Liqui-
     rent loan granted to them by the Bank, were deposited to
     the said Current Account and that from that Current
     Account, the Accused-4 has received Rs.40,000/- on
     22.12.2004 through Cheque-Ex.P.127, Rs.80,000/- on
     05.02.2005 through Cheque-Ex.P.129 and Rs.80,000/- on
     27.06.2005 through Cheque-Ex.P.137 in his personal
     name. The evidence of any of the witnesses examined on
     behalf of the Complainant and contents of any of the
     documents relied upon by the Complainant, do not show
     that the Accused-4 had been to the Bank at any time,
     participated in any of the process relating to sanctioning
     and   disbursing   of   the   loan   by   the   Bank   to   Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. There is
     nothing to show that the Accused-4 in any manner
     deceived the Bank or induced the Bank to sanction loan to
     Late Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. Though
     there is evidence to show that, on 23.12.2004, the
     Accused-4 opened Current Account at Oriental Bank of
     Commerce, New Thippasandra Branch, by personating as
     'Goutham Budhrani', there is no evidence to show that by
     believing or acting upon the said opening of Account by the
     Accused-4, the Bank sanctioned and disbursed loan to Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. Though there
     is evidence to show that Cheques-Ex.P.25 and Ex.P.26
     issued in the name of M/s.Tower Land Developers Private
     Limited by the Bank to the Accused-3 on behalf of Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai, out of Liqui-
 42                                     Common Judgment in Criminal
                                     Appeal Nos.396/2012 & 463/2012




     rent loan granted to them by the Bank were deposited in
     the Current Account opened by the Accused-3 and 4 at
     Oriental Bank of Commerce, New Thippasandra Branch,
     there is nothing to show that due to deception or
     inducement by the Accused-4 in any manner, the Bank
     gave those Cheques to the Accused-3.             There is also no
     evidence to show that withdrawal of amount from that
     Current Account by the Accused-4 deceived the Bank in
     any manner. There is also nothing to show as to how the
     Accused-4 is responsible for causing loss to the Bank to
     the tune of Rs.274 Lakhs, which was the loan amount
     granted to Late Sri.U.Jeevanand Kini and Late Sri.Rajesh
     Pai by the Bank. Absolutely, there is no evidence to show
     that opening of Current Account at Oriental Bank of
     Commerce,        New    Thippasandra         Branch   and       doing
     transactions in that Current Account by the Accused-4 by
     personating as 'Goutham Budhrani' deceived or induced
     the Bank i.e., Indian Over Seas Bank, Malleshwaram
     Branch    to     sanction   and       disburse   loan      to    Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. Hence, it is
     not   possible   to    accept   the   bare    contention    of    the
     Complainant that the Accused-4 Cheated the Bank and
     that he caused wrongful loss to the Bank to the tune of
     Rs.274 Lakhs.


           46. But, the Trial Court has totally ignored the above
     facts and circumstances. On the other hand, on the ground
     that the Accused-4 opened Current Account at Oriental
 43                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




     Bank of Commerce, New Thippasandra Branch and did
     transactions in that Account by personating as 'Goutham
     Budhrani', the Trial Court has jumped to the conclusion
     that the Accused-4 Cheated the Indian Over Seas Bank,
     Malleshwaram Branch. The Trial Court has not at all stated
     as to how and in what manner the Accused-4 deceived the
     Bank or responsible for inducing the Bank to grant          and
     disburse Liqui-rent loan to Late Sri.U.Jeevanand Kini and
     Late Sri.Rajesh Pai.   Thus, finding of the Trial Court that
     the   Accused-4   Cheated     the   Bank   is   perverse    and
     capricious. For all these reasons, this Point is answered in
     the negative.


                              POINT-6


           47. According to the Complainant, the Accused-1, 2
     and    4   entered     into   an    agreement     with     Late
     Sri.U.Jeevanand Kini, Late Sri.Rajesh Pai, the Accused-3
     and the Accused-5 to Cheat the Bank and as such, they
     are guilty of Criminal Conspiracy. As observed above, as
     per the evidence available on record and the Judgment of
     the Trial Court, which remained unchallenged by the
     Accused-3 and 5, there was Criminal Conspiracy between
     the Accused-3, 5, Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai to Cheat the Bank and that in pursuance of
     that Conspiracy, they Cheated the Bank. Now, it has to
     be seen as to whether the Accused-1, 2 and 4 have also
     taken part in that Criminal Conspiracy.
 44                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




     Conspiracy Relating To The Accused-1 & 2:

           48. According to the Complainant, Cheating relating
     to this case is deceiving the Bank and inducing the Bank
     to   grant   and   disburse     Liqui-rent   loan   to   Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. As per the
     case of the Complainant and the evidence available on
     record, the only role played by the Accused-1 and 2
     relating to this case is that they identified the Accused-3
     as 'Kishore Budhrani' in the Sale Deeds-Ex.P.15 and
     Ex.P.27 before the Sub-Registrar. As observed above, the
     evidence on record does not show that the Accused-1 and
     2 had been to the Bank at any time and that they had
     participated in any of the process relating to sanction and
     disbursal of loan by the Bank to Late Sri.U.Jeevanand Kini
     and Late Sri.Rajesh Pai. As observed above, there is
     nothing on record to show that the Accused-1 and 2 in
     any manner deceived the Bank or induced the Bank to
     sanction or disburse the said Liqui-rent loan to Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai.       There is
     also no evidence to show that by believing or relying upon
     the false identification of the Accused-3 by the Accused-1
     and 2 relating to Ex.P.15 and Ex.P.27 or any other acts of
     the Accused-1 and 2, the Bank sanctioned or disbursed
     loan to Late Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai.
     As observed above, there is also no evidence to show that
     the Accused-1 and 2 had an intention to deceive or Cheat
     the Bank while identifying the Accused-3 as 'Kishore
 45                                     Common Judgment in Criminal
                                     Appeal Nos.396/2012 & 463/2012




     Budhrani' in Ex.P.15 and Ex.P.27. There is nothing to
     show on behalf of the Complainant that the Accused-1 and
     2   had    an   occasion   to   discuss   anything    with   Late
     Sri.U.Jeevanand Kini, Late Sri.Rajesh Pai and the Accused-
     3 to 5 or with the Bank or its Officers, either before or
     after sanction and disbursal of Liqui-rent loan by the Bank
     to Late Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai,
     about any of the process relating to sanction and disbursal
     of the loan by the Bank.        There is also nothing to show
     that the Accused-1 and 2 are benefited out of the said
     sanction and disbursal of Liqui-rent loan by the Bank to
     Late Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. Except
     the fact that the Accused-1 and 2 are the employees of
     M/s.Agro    Private   Limited,    which    belonged    to    Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai, there is no
     material to connect the Accused-1 and 2 with the acts of
     the Accused-3 to 5, Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai relating to Cheating the Bank. None of the
     witnesses examined on behalf of the Complainant has
     whispered anything about the alleged agreement between
     the Accused-1 and 2 with the Accused-3 to 5, Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai to Cheat the
     Bank in any manner. On considering all these facts and
     circumstances, it is clear that there is no evidence at all to
     believe that the Accused-1 and 2 have participated in the
     alleged Conspiracy as contended by the Complainant.
 46                                    Common Judgment in Criminal
                                    Appeal Nos.396/2012 & 463/2012




           49. But, the Trial Court has held that participation of
     the Accused-1 and 2 in this case establishes that they
     have conspired with the remaining Accused and also with
     Late Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai to Cheat
     the Bank on the ground that intention of the Accused-1
     and 2 in putting their signatures in Ex.P.15 and Ex.P.27
     was nothing but Criminal Conspiration with the remaining
     Accused and that Challans and Cheques-Ex.P.86, Ex.P.87,
     Ex.P.89, Ex.P.90, Ex.P.119, Ex.P.123, Ex.P.126, Ex.P.133
     and Ex.P.134 are in the handwriting of the Accused-2 and
     that Ex.P.134 indicates that some monetary benefit was
     passed on to the Accused-2. As observed above, the said
     Challans and Cheques are nothing to do with the sanction
     and   disbursal   of    the   loan   by    the   Bank       to    Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai and there is
     nothing to show that the Accused-1 and 2 were benefited
     in any manner through those Cheques and Challans. As
     observed   above,      circumstances      indicate   that    as    an
     employee of Late Sri.U.Jeevanand Kini and Late Sri.Rajesh
     Pai, the Accused-2 might have filled up those Cheques and
     Challans in his official capacity and that he might have
     received Cheque-Ex.P.134 also in his official capacity. As
     observed above, Ex.P.15 and Ex.P.27 have come into
     existence after sanction and disbursal of loan by the Bank
     and the Bank did not rely upon Ex.P.15 and Ex.P.27 to
     sanction and disburse the loan.        Without considering all
     these facts and circumstances, the Trial Court has
     straightaway jumped to the conclusion that the Accused-1
 47                                   Common Judgment in Criminal
                                   Appeal Nos.396/2012 & 463/2012




     and 2 had an intention to Cheat the Bank and that
     thereby, they have conspired with the other Accused by
     putting their signatures to Ex.P.15 and Ex.P.27. There is
     no evidence acceptable evidence at all to come to such a
     conclusion   and   on   the   other   hand,   the   facts   and
     circumstances narrated above negative the contention of
     the Complainant. As such, the Trial Court has committed
     error in holding that the Accused-1 and 2 participated in
     the Criminal Conspiracy.


     Conspiracy Relating To The Accused-4:


          50. As observed above, the evidence on record
     shows that the Accused-4 opened Current Account on
     23.12.2004    at   Oriental   Bank    of   Commerce,        New
     Thippasandra Branch, Bengaluru, along with the Accused-
     3 in the name of M/s.Tower Land Developers and that the
     Accused-3 personated as 'Kishore Budhrani' and the
     Accused-4 personated as 'Gowtham Budhrani' in respect
     of that Account and they did transactions in those names
     through that Account and that thereby, they have Cheated
     by Personation. As observed above, the evidence on
     record shows that the Accused-3 and 4 used forged
     documents as genuine documents, knowing fully well that
     those documents are forged documents, relating to the
     transactions of that Current Account. As observed above,
     the Accused-3 sold properties to Late Sri.U.Jeevanand Kini
     and Late Sri.Rajesh Pai on 29.12.2004 by executing Sale
 48                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     Deeds-Ex.P.15 and Ex.P.27 by personating as 'Kishore
     Budhrani' and towards the Sale Consideration, he received
     Cheques-Ex.P.25 for Rs.1,15,00,000/- and Ex.P.26 for
     Rs.1,53,00,000/- from the Bank by way of sanction of
     Liqui-rent loan to Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai.


          51. Ex.P.84 shows that the said Cheques were
     credited to the Current Account opened by the Accused-3
     and 4 at Oriental Bank of Commerce in the name of
     M/s.Tower Land Developers on the same day and that
     they have withdrawn the said amount subsequently by
     way of issue of Cheques in the names of various persons
     including in their real names. Ex.P.84 further shows that
     prior to deposit of Sale Consideration, the Accused-3 and
     4 have deposited Rs.25,000/- at the time of opening the
     Account,   deposited   Rs.8,00,000/-   on   27.12.2004   by
     receiving Cheque from Late Sri.Jeevanand Kini (shown in
     Ex.P.27) and deposited Rs.25,000/- on 29.12.2004 and
     that they have withdrawn Rs.6,00,000/- on 29.12.2004
     itself by issuing Cheque in the name of Suchithra
     Properties. Except these transactions and the transactions
     of withdrawal of Sale Consideration amount, the Accused-
     3 and 4 have not done any other transactions in that
     Current Account.


           52. As the Accused-3 was not the owner of the
     property purchased under Ex.P.15 and Ex.P.27 and as the
 49                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     Accused-3 and 4 opened Current Account in the name of
     M/s.Tower Land Developers Private Limited by way of
     Cheating by Personation and as the Accused-3 and 4 have
     no other transaction in that Current Account except
     receiving Sale Consideration and withdrawing the said
     amount subsequently, it is clear that the Accused-3 and 4
     have opened that Current Account only for the purpose of
     encashing Cheques given by the Bank by way of sanction
     of Liqui-rent loan to Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai.



          53. As observed above, the Accused-4 has opened
     S.B.Account on 28.06.2004 at Federal Bank.         Ex.P.253-
     Account Opening Form shows that Late Sri.Jeevanand Kini
     has introduced the Accused-4 to the Bank for opening of
     that Account. Ex.P.256-Accounts Statement shows that
     Cheques-Ex.P.117, Ex.P.129 and Ex.P.137, which are
     issued in the real name of the Accused-4 from that
     Current Account relating to Oriental Bank of Commerce
     opened by the Accused-3 and 4 through Cheating by
     Personation, have been encashed by the Accused-4 in his
     real name from his personal S.B.Account.


          54.     On   considering   all   the    above       facts,
     circumstances and the evidence, there is no doubt at all to
     infer that the Accused-4 has shared his mind with the
     Accused-3,   5,   Late   Sri.U.Jeevanand    Kini   and    Late
     Sri.Rajesh Pai to Cheat the Bank and that in pursuance of
 50                                  Common Judgment in Criminal
                                  Appeal Nos.396/2012 & 463/2012




     such sharing of his mind, he joined hands with the
     Accused-3 openly to open a Current Account at Oriental
     Bank of Commerce in the name of M/s.Tower Land
     Developers by way of Cheating by Personation as well as
     by using forged documents as genuine documents and
     that the Accused-3 and 4 have withdrawn the Liqui-rent
     loan amount sanctioned and disbursed in the name of Late
     Sri.U.Jeevanand Kini and Late Sri.Rajesh Pai. Hence, it is
     clear that the Accused-4 is guilty of Criminal Conspiracy to
     Cheat the Bank.     By appreciating the evidence available
     on record, the Trial Court has also rightly come to the
     same conclusion and it has not committed any error in
     coming to such conclusion.


          55. From the above discussion, it is clear that
     though the Trial Court has committed error in holding that
     the Accused-1 and 2 have committed Criminal Conspiracy,
     it has not committed any error in holding that the
     Accused-4     has     committed     Criminal    Conspiracy.
     Accordingly, Point-6 is answered in the affirmative, so
     far as the Accused-1 and 2 are concerned, and in the
     negative, so far as the Accused-4 is concerned.


                             POINT-7

          56. From the above findings, it is clear that the
     Complainant has failed to prove that the Accused-1 and 2
     have Cheated the Bank and that they have committed
     Conspiracy as alleged. As such, they are not liable for
 51                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     conviction for the offence punishable under Section 120-B
     and Section 420 of the IPC. But, the Trial Court has
     committed error in holding that the Accused-1 and 2 are
     guilty of the offence punishable under Section 120-B and
     Section 420 of the IPC, though there is no acceptable
     evidence.   Hence,   conviction   recorded   and   sentence
     imposed by the Trial Court against the Accused-1 and 2
     for the offence punishable under Section 120-B and
     Section 420 of the IPC are illegal and unsustainable.


          57. As observed above, the evidence on record
     shows that the Accused-4 committed Criminal Conspiracy
     with the Accused-3, 5, Late Sri.U.Jeevanand Kini and Late
     Sri.Rajesh Pai to Cheat the Bank, he used the forged
     documents as genuine documents knowing to be forged
     documents and committed Cheating by Personation. As
     such, he is guilty of the offence punishable under Section
     120-B, Section 471 and Section 419 of the IPC. By
     appreciating the evidence available on record, the Trial
     Court has also come to the same conclusion and convicted
     the Accused-4 for those offences. There is no illegality or
     error on the part of the Trial Court in recording that
     conviction. On considering that the Accused-4 is the first
     offender, he has no criminal background, he was in
     custody since long time, he was suffering from Diabetes
     and Heart ailments and also the nature of offence
     committed by him, the Trial Court has sentenced him to
     undergo imprisonment for a period of one year and to pay
 52                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     fine of Rs.500/-, and to undergo simple imprisonment for
     a period of 3 months in default to pay fine amount, for
     each of the offences punishable under Sections 120-B,
     471 and 419 of the IPC. The said sentence is not at all
     harsh as contended by the Accused-4, when compared to
     the nature, seriousness and gravity of the offences
     committed by him. As such, there is no illegality or error
     on the part of the Trial Court in imposing said sentence on
     the Accused-4.


         58. As observed above, the evidence on record and
     findings show that the Complainant has failed to show
     that the Accused-4 cheated the Bank and that he
     committed forgery of the documents, much less valuable
     securities. As such, it cannot be said that the Accused-4
     has committed offence punishable under Sections 420,
     467 and 468 of the IPC. But, the Trial Court has held that
     the Accused is guilty of Cheating and Forgery, which are
     punishable under Sections 420, 467 and 468 of the IPC.
     As observed above, the said finding of the Trial Court is
     erroneous, arbitrary and perverse.    As such, conviction
     recorded and sentence imposed by the Trial Court against
     the Accused-4 for the offence punishable under Sections
     420, 467 and 468 of the IPC are illegal and unsustainable.


          59. For all the above reasons, as the conviction and
     sentence recorded against the Accused-1 and 2 by the
     Trial Court for the offence punishable under Section 120-B
     and Section 420 of the IPC are illegal, Point-7 is answered
 53                                     Common Judgment in Criminal
                                     Appeal Nos.396/2012 & 463/2012




     in the affirmative, so far as the Accused-1 and 2 are
     concerned. Similarly, as the conviction and sentence
     recorded by the Trial Court against the Accused-4 for the
     offence punishable under Sections 420, 467 and 468 of
     the   IPC   are   illegal,    Point-7   is   answered     in   the
     affirmative, so far as the Accused-4 is concerned in
     respect of the offence punishable under Sections 420, 467
     and 468 of the IPC. However, as the conviction and
     sentence recorded by the Trial Court against the Accused-
     4 for the offence punishable under Section 120-B, Section
     419 and Section 471 of the IPC are sustainable and legal,
     Point-7 is answered in the negative, so far as the
     Accused-4   is    concerned     in   respect   of   the   offence
     punishable under Section 120-B, Section 419 and Section
     471 of the IPC.

                                  POINT-8

           60. In view of the above findings, the Appeal of the
     Accused-1 and 2 is fit to be allowed, the Accused-1 and 2
     are entitled for acquittal and consequently, the Judgment
     of conviction and sentence passed by the Trial Court is
     liable to be set aside. So also, the Appeal of the Accused-4
     filed in respect of the Judgment of conviction and
     sentence recorded by the Trial Court, so far as the offence
     punishable under Sections 420, 467 and 468 of the IPC is
     concerned, is fit to be allowed, the Accused-4 is entitled
     for acquittal for those offences and the Judgment of the
     Trial Court to that extent is liable to be set aside.
 54                                 Common Judgment in Criminal
                                 Appeal Nos.396/2012 & 463/2012




     However, the Appeal of the Accused-4, so far as the
     Judgment of conviction and sentence passed by the Trial
     Court relating to the offence punishable under Section
     120-B, Section 419 and Section 471 of the IPC is liable to
     be dismissed. In the result, the following Order is passed:


                              ORDER

1. The Appeal of the Accused-1 and 2 filed in Criminal Appeal No.463/2012 is allowed. Judgment of conviction and sentence passed by the Trial Court on 30.06.2012 in C.C.No.17181/2009 against the Accused-1 and 2 is set aside, the Accused-1 and 2 are acquitted from the Charges of the offence punishable under Section 120-B and Section 420 of the IPC and they are set at liberty.

2. The Appeal of the Accused-4 in Criminal Appeal No.396/2012 filed in respect of the conviction and sentence passed by the Trial Court on 30.06.2012 in C.C.No.17181/2009 against the Accused-4 for the offence punishable under Sections 420, 467 and 468 of the IPC is allowed. The said part of the Judgment of the Trial Court is set aside. The Accused-4 is acquitted from the Charges for the offence punishable under Sections 420, 467 and 468 of the IPC. He is set at liberty in respect of those Charges.

3. However, the Appeal of the Accused- 4 in Criminal Appeal No.396/2012 filed in respect of the Judgment of conviction and sentence passed by 55 Common Judgment in Criminal Appeal Nos.396/2012 & 463/2012 the Trial Court on 30.06.2012 in C.C.No.17181/2009 against the Accused-4, so far as the offence punishable under Section 120-B, Section 419 and Section 471 of the IPC is concerned, is dismissed upholding the Judgment of conviction and sentence passed by the Trial Court in respect of those offences.

4. Send the records to the Trial Court along with copy of this Judgment.

5. Keep the original of this Judgment in Criminal Appeal No.396/2012 and Copy of this Judgment in Criminal Appeal No.463/2012.

(Dictated to Judgment Writer, transcribed by her, revised, corrected and then pronounced by me in the Open Court on this the 13th day of May 2016.) (ASWATHA NARAYANA) XLVII Additional City Civil & Sessions Judge and Special Judge for CBI Cases, Bengaluru.

56 Common Judgment in Criminal Appeal Nos.396/2012 & 463/2012 Common Judgment pronounced (vide separate Judgment consisting of 55 separate sheets) in Criminal Appeal Nos.463/2012 and 396/2012 and the following Order is passed:

ORDER
1. The Appeal of the Accused-1 and 2 filed in Criminal Appeal No.463/2012 is allowed. Judgment of conviction and sentence passed by the Trial Court on 30.06.2012 in C.C.No.17181/2009 against the Accused-1 and 2 is set aside, the Accused-1 and 2 are acquitted from the Charges of the offence punishable under Section 120-B and Section 420 of the IPC and they are set at liberty.
2. The Appeal of the Accused-4 in Criminal Appeal No.396/2012 filed in respect of the conviction and sentence passed by the Trial Court on 30.06.2012 in C.C.No.17181/2009 against the Accused- 4 for the offence punishable under Sections 420, 467 and 468 of the IPC is allowed. The said part of the Judgment of the Trial Court is set aside. The Accused-4 is acquitted from the Charges for the offence punishable under Sections 420, 467 and 468 of the IPC. He is set at liberty in respect of those Charges.
3. However, the Appeal of the Accused-4 in Criminal Appeal No.396/2012 filed in respect of the Judgment of conviction and sentence passed by the Trial Court on 30.06.2012 in C.C.No.17181/2009 against the Accused-4, so far as the 57 Common Judgment in Criminal Appeal Nos.396/2012 & 463/2012 offence punishable under Section 120-B, Section 419 and Section 471 of the IPC is concerned, is dismissed upholding the Judgment of conviction and sentence passed by the Trial Court in respect of those offences.
4. Send the records to the Trial Court along with copy of this Judgment.
5. Keep the original of this Judgment in Criminal Appeal No.396/2012 and Copy of this Judgment in Criminal Appeal No.463/2012.

(Computerized by Judgment Writer to my dictation).

(ASWATHA NARAYANA) XLVII Additional City Civil & Sessions Judge and Special Judge for CBI Cases, Bengaluru.

58 Common Judgment in Criminal Appeal Nos.396/2012 & 463/2012