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[Cites 25, Cited by 1]

Gujarat High Court

Patel Jayantibhai Mafatlal vs State Of Gujarat on 15 March, 2018

Author: Sonia Gokani

Bench: Sonia Gokani

          R/CR.A/1140/2017                                                  JUDGMENT



            IN THE HIGH COURT OF GUJARAT AT AHMEDABAD
                  R/CRIMINAL APPEAL NO. 1140 of 2017
                                 With
            R/CRIMINAL REVISION APPLICATION NO. 808 of 2017

FOR APPROVAL AND SIGNATURE:

HONOURABLE MS JUSTICE SONIA GOKANI
===========================================================

1 Whether Reporters of Local Papers may be allowed to see the judgment ?

2 To be referred to the Reporter or not ?

3 Whether their Lordships wish to see the fair copy of the judgment ?

4 Whether this case involves a substantial question of law as to the interpretation of the Constitution of India or any order made thereunder ?

================================================================ PATEL JAYANTIBHAI MAFATLAL Versus STATE OF GUJARAT ================================================================ Appearance:

MS SM AHUJA(118) for the PETITIONER(s) No. 1 MR SA BAQUI(141) for the RESPONDENT(s) No. 2
MR. H.K. PATEL, ADDL. PUBLIC PROSECUTOR(2) for the RESPONDENT(s) No. 1 ================================================================ CORAM: HONOURABLE MS JUSTICE SONIA GOKANI Date : 15/03/2018 ORAL COMMON JUDGMENT
1.  Aggrieved   by   the   judgment   and   order   dated  02.06.2017 passed by the learned Additional Sessions  Judge, City Sessions Court No.27 in Criminal Appeal  No.92   of   2015,   arising   from   the   prosecution   under  Section 138 of the Negotiable Instruments Act, 1881  (the   'NI   Act'   herein   after)   the   present   appeal   has  been preferred. 
Page 1 of 58
R/CR.A/1140/2017 JUDGMENT   :: Factual Scenario :: 
2.    The facts in a capsulized form as presented  in   the   memo   of   Appeal   deserve   reproduction   herein  below : 
  :: Genesis of litigation :: 
2.1   The   appellant   is   the   original   complainant  who chose to initiate prosecution for the dishonor of  cheque   on   due   completion   of   requisite   mandatory  requirements   and   preferred   Criminal  Case   No.1373   of  2002 on 10.12.2002. It is the case of the complainant  that   he   belongs   to   village   Parbatpura,   situated   at  Taluka   Mansa,   District   Gandhinagar,   whereas   the  respondent   No.2   is   the   resident   of   village   Jamda,  District   Taluka   Kalol,   District   Gandhinagar.   Since  both   the   villages   are   at   a   distance   of   about   two  kilometers,   the   complainant   shared   fairly   good  acquaintance   and   relationship   with   the   respondent­ original   accused.   Brother­in­law   of   the   complainant  and the respondent No.2, worked as agents under one  Development  Officer  Shri   Kachrabhai  Patel   in   L.I.C.  Office;   that   is   how   the   complainant   had   met   the  respondent No.2 and they had developed notable social  relationship which had led to their entering into the  said transaction. 
3.    It   is   the   case   of   the   prosecution   as  revealed   in   the   complaint   that   the   respondent   had  taken   the   complainant   into   confidence   by   impressing  upon   him   that   he   had   a   big   name   in   the   office   of  Page 2 of 58 R/CR.A/1140/2017 JUDGMENT L.I.C. He also had a side businesses of real estate  and land; a process house in the name of S.B. Fabric. 

Under   the   pretext   that   he   needed   to   initiate   a  business   in   partnership,   he   had   shown   the   need   of  Rs.36   lakh.   While   promising   partnership   to   the  appellant in the new business with equal percentage,  he procured from the appellant a sum of Rs.36 lakh. A  promissory   note   was   given   in   lieu   of   the   amount  parted by the complainant. 

4.    It   is   the   grievance   of   the   appellant   that  after   obtaining   this   huge   sum,   the   respondent   had  left his native and despite the best endeavors on the  part   of   the   appellant,   his   whereabouts   were   not  found. When eventually he returned, on a persistent  demand of the complainant, he had ensured to give the  complainant a parcel of land situated at Ghuma, Tal.  City   and   District   Ahmedabad,   bearing   Survey  Nos.506  and   507   with   Block   No.633   admeasuring   2­38   Gunntha  and   hector  1­19­38   H.A.G.  He   had   also   ensured   to  clear the bank dues for clearing the charge over the  said land which was hypothecated with the bank for a  huge sum lent to him by the Bank, within a period of  six   months.   However,   he   failed   to   adhere   to   his  words,   therefore,   it   could   not   be   come   possible   to  carry out the Registered Sale Deed nor had the same  made his debt cleared. 

5.     It   is   further   the   case   of   the   appellant  that for settling his outstanding dues, the cheque of  Rs.36lakh had been given by the respondent drawn of  Page 3 of 58 R/CR.A/1140/2017 JUDGMENT the   State   Bank   of   India,   Girdharnagar   Branch,  Ahmedabad   in   favour   of   the   appellant,   bearing   a  cheque   No.514147.   He   had   been   ensured   by   the  respondent that the same would be honored. The cheque  when   presented   on   30.10.2002,   in   the   account   of  Kukarwada   People's   Co­operative   Bank   Limited,   the  same   was   dishonored   on   the   ground   of   "insufficient  balance" and returned to him with the memo of Bank on  1.11.2002. 

6.     According to the appellant, an attempt when  was made to contact the respondent, instead of being  apologetic,   he   threatened   him   and   also   denied   any  possibility of his getting the amount. 

7.    The   appellant,   therefore,   issued   a   notice  by way of Registered Post AD on 12.11.2002, through  his  advocate  and   another   notice   through   U.P.C.   was  also sent. This came to be served upon the respondent  on 13.11.2002, which has not even replied to. After  allowing the statutory period to pass, the appellant  decided   to   prefer   the   criminal   complaint   and  initiated   the   prosecution   under   section   138   of   the  Negotiable   Instruments   Act   (hereinafter   referred   to  as 'N.I. Act').

  :: Proceedings before the Trial Court::

8.    The   in­charge   learned   Chief   Metropolitan  Magistrate issued process on 10.12.2002.

9.  The   respondent   No.2   also   moved   an  Page 4 of 58 R/CR.A/1140/2017 JUDGMENT application   for   discharge   below   Exh.3   taking   the  defense that on the date of issuance of the cheque,  the account of the respondent whether was operating  or   not,   deserves   to   be   established   firstly.   The  request   for   discharge   was   made   on  13.4.2004,  which  was   rejected   by   the   Court   on   13.4.2004   itself.   His  case   was   numbered   subsequently   as   Criminal   Case  No.590   of   2004,   since   the   cases   above   the   sum   of  Rs.10 lakh were to be tried by the Court other than  the   Court   which   was   conducting   the   matter.  Subsequently, when the Special Court was constituted  to try the case under the N.I. Act, it was numbered  being   Criminal   Case   No.1829   of   2010   and   once   again  thereafter, it was transferred to the Court No.2 and  numbered   as   Criminal   Case   No.521   of   2011   on  28.4.2011. It was thereafter transferred to the Court  conducting   matters   under   the   N.I.   Act   specially,  being   Court   No.28,   and   the   criminal   case   number  remained the same i.e Criminal Case No.521 of 2017. 

10.  After   allowing   the   parties   to   adduce   oral  evidence as well as documentary evidence, the further  statement of the accused on the evidence adduced came  to   be   recorded   where   the   defense   raised   in   his  further statement under section 313 of the Code, is  that   of   denial   of   any   legally   enforceable   debt.  Considering incriminating oral as well as documentary  evidence,   the   respondent   was   held   guilty   under  section 138 of the N.I. Act and he had been convicted  by   the   trial   Court   for   a   period   of   two   years   with  simple   imprisonment   and   fine   of   Rs.5000/­   and   in  Page 5 of 58 R/CR.A/1140/2017 JUDGMENT default, four months of further simple imprisonment.

 

  :: Appeal before the Court of Sessions :: 

11.  Aggrieved   respondent   No.2   approached   the  Appellate   forum   against   the   judgment   and   order   of  conviction, by way of Criminal Appeal No.92 of 2015  read   with   Criminal   Appeal   No.486   of   2015   and   the  Court   after   elaborate   discussion   of   the   evidence  quashed   and   set   aside   the   judgment   and   order   of  learned   Additional   Chief   Metropolitan   Magistrate,  Court   No.28.   The   Court   also   directed   the   amount   of  fine   and   compensation   to   be   refunded   to   the  respondent herein.

11.1  The   complainant   had   challenged   the   very  decision seeking enhancement of compensation and the  Court   after   hearing   both   the   sides,   disallowed   the  plea of the present Appellant (original complainant)  while   quashing   and   setting   aside   the   judgment   and  order   of   learned   Additional   Chief   Metropolitan  Magistrate. 

12.  Aggrieved   original   complainant   is   before  this Court as an appellant. After admission of this  appeal, with the consent of both the sides, bearing  in   mind   the   year   of   transaction   and   initiation   of  prosecution, which was nearly before 16 years, this  Court   decided   to   hear   final   submissions   of   the  learned   advocates   on   both   the   sides   and   adjudicate  the appeal. 

Page 6 of 58

R/CR.A/1140/2017 JUDGMENT   :: Submissions of learned counsels of parties ::

 

13.  Learned   advocate   Ms.S.M.   Ahuja   appearing  with learned advocate Mr.Jitendra H. Singh, has made  fervent submissions in respect of the alleged serious  error   and   illegality   committed   by   the   Appellate  Court, by taking this Court through the entire set of  record and also by relying upon various decisions to  substantiate   the   respective   version   of   the  complainant, which are as follows:

a.  Sampelly   Satyanarayana   Rao   Versus   Indian   Renewable Energy development Agency Limited reported   in (2016)10 SCC 458;
b.  Krishna   Janardhan   Bhat   Versus   Dattatraya   G.  Hedge reported in AIR 2008 SC 1325; c.  Rangappa   Versus   Mohan   reported   in   Criminal   Appeal No.1020 of 2010 

14.  Learned   advocate   Mr.   Baqui   appearing   with  learned  advocate   Mr.Pathan   also  has  strenuously  and  forcefully submitted that the punishment of two years  has   been   prescribed   by   way   of   an   amendment   under  section 138 of the N.I. Act with effect from 6.2.2003  and hence, it cannot be made applicable as this case  has been registered in December, 2002 and substantive  provision   under   the   criminal   prosecution   cannot   be  made   retrospectively  effective.  He   has   taken   this  Court through various depositions and other evidences  to urge that the Appellate Court has rightly quashed  and   set   aside   the   judgment   and   order   of   the   trial  Court   by   giving   detailed   judgment   on   each   point. 

Page 7 of 58

R/CR.A/1140/2017 JUDGMENT There will not be any requirement of the interference  at the end of this Court. It is further his case that  the appellant has failed to prove as to how he could  give   loan   of   huge   amount   i.e.   Rs.36   lakh   to   the  present respondent.

15.   He   has   also   sought   to   rely   upon   the  following judgments in his support : 

1.   T.   Vasanthakumar   Versus   Vijaykumari   reported   in  (2015) 8 SCC 378;
2. Sabitha   Ramamurthy   Versus   R.B.S.   Channabasavaradhya   reported   in   Laws   (SC)­2006­9­26  decided on September 13, 2006;
3. Amarnath   Baijnath   Gupta   Versus   Mohini   Organics   Pvt. Ltd. reported  in Laws (BOM)­2008­12­79 decided   on December 11, 2008;
4. Arun   Tikekar   Versus   Sanatan   Santha   reported   in   LAWS (BOM)­2009­640 decided on June 25, 2009;
5. Patel   Jayantibhai   Mafatlal   Versus   State   of   Gujarat   and   other   reported   in   Special   Criminal   Application   (Quashing)   No.3894   of   2013   decided   on  December 23, 2013;
6. Shri   Ramesh   J.   Chauhan   Versus   Shri   Merwan   K.   Irani and others reported in Criminal Writ Petition   No.1046 of 2002 decided on June 9, 2016.  

16.  Learned   APP   Mr.   H.K.   Patel   appearing   for  the State has supported the case of the complainant  to urge this Court that the appreciation of evidence  shall have to be regarded thoroughly. It is the case  Page 8 of 58 R/CR.A/1140/2017 JUDGMENT were   the   Trial   Court   had   convicted   the   respondent  whereas the Appellate Forum has quashed and set aside  such judgment and order.

 

  :: Questions/issues for consideration ::

17.  In view of the aforesaid submissions based  on   pleadings   and   the   material   on   record,   the  following   questions   would   arise   for   this   Court   to  adjudicate upon issues raised in this appeal :­ 

(i) Whether   the   Appellate   Court   committed  any   error   or   illegality   which   would  warrant   interference  or   the   view   taken  by   the   Appellate   Court   is   a   possible  view   and   hence,   in   appellate  jurisdiction deserves no interference? 

(ii) The   appellant­original   complainant  whether succeeded in proving the initial  burden   of   existence   of   legally  enforceable debt? 

  If   the   answer   is   in   affirmation,  whether the respondent was in a position  to assail/rebut that positive proof? 

(iii) Whether the amendment made in law in the  year   2003   would   have   applicability   to  the   case   of   applicant   so   far   as  enhancement of punishment is concerned ? 


        (iv)        Whether appellant has made out the case 


                                Page 9 of 58
          R/CR.A/1140/2017                              JUDGMENT



to allow him the compensation under the  N.I. Act?

  :: Power of Appellate Court (Issue No.1) ::

18.  Firstly, at the outset, the question of law  that   deserves   to   be   addressed   is   as   to   when   the  Appellate   Court   needs   to   interfere   in   the   findings  and conclusion of the trial Court and it is a trite  law that if the view taken by the Appellate Court is  a   possible   view   with   the   evidence,   oral   and  documentary,   adduced   in  the  matter,  no   interference  is desirable by the Appellate Court.

18.1  The Apex Court in case of  C. Antony Versus   K.G.   Raghavan   Nair   reported  in   (2003)   1  SCC  1,  has  held   that   even   if  the  other  view   is  possible,  from  the very set of evidence, to arrive at, that also is  not the ground to interfere by the Appellate Court.

  ::  Legally   enforceable   debt,   whether   proved  (Issue No.2)::

19.    So   far   as   the   question   of   proving   legally  enforceable debt by the complainant is concerned, the  law has been laid down by the three Judges Bench of  the   Hon'ble   Apex   Court   in   case   of  Rangappa   Versus   Sri Mohan, reported in (2010) 11 SCC 441, wherein it  is held that presumption mandated by Section 139 of  the Act include the existence of legally enforceable  debt   or   liability   and   this   being   a   rebuttal  presumption,   of   course,   such   presumption   can   be  Page 10 of 58 R/CR.A/1140/2017 JUDGMENT rebutted by the accused by raising the defence and on  contesting liability. 

20. It,   of   course,   is   in   the   nature   of   a  rebuttable presumption and it is open to the accused  to raise a defence wherein the existence of a legally  enforceable   debt   or   liability   can   be   contested.  However, what can be undoubtedly said is that there  is   an   initial   presumption   that   favours   the  complainant   and   Section   139  is   an   example   of   a  reverse   onus   clause,   which   has   been   included   in  furtherance of the legitimate objection of improving  the   credibility   of   the   negotiable   instruments.  To  that extent the Apex Court held that the observations  made   in   case   of  'Krishna   Janardhan   Bhatt   Vs.Dattatraya G. Hedge, AIR 2008 SC 1325 would not be  correct. The relevant observations read as under:

"7.   However,   on   appeal   against   acquittal,   the   High   Court   reversed   the   findings   and   convicted   the   appellant­accused.   The   High   Court in its order noted that in the course   of   the   trial   proceedings,   the   accused   had   admitted that the signature on the impugned   cheque   (No.   886322,   dated   8­2­2001)   was   indeed   his   own.   Once   this   fact   has   been   acknowledged,  Section   139  of   the   Act   mandates   a   presumption   that   the   cheque   pertained to a legally enforceable debt or  liability.   This   presumption   is   of   a   rebuttal nature and the onus is then on the   accused   to   raise   a   probable   defence.   With   regard to the present facts, the High Court   found   that   the   defence   raised   by   the   accused was not probable. In respect of the   accused's   stand   that   he   had   lost   a   blank   cheque   bearing   his   signature,   the   High   Court   noted   that   in   the   instructions   sent   Page 11 of 58 R/CR.A/1140/2017 JUDGMENT by   the   accused   to   his   Bank   for   stopping   payment, there is a reference to cheque No.   0886322,   dated   20­7­1999.   This   is   in   conflict   with   the   complainant's   version   wherein   the   accused   had   given   instructions   for stopping payment in respect of the same   cheque,   albeit   one   which   was   dated   8­2­ 2001. The High Court also noted that if the   accused   had   indeed   lost   a   blank   cheque   bearing his signature, the question of his  mentioning the date of the cheque as 20­7­ 1999   could   not   arise.  At   a   later   point   in   the   order,   it   has   been   noted   that   the   instructions   sent   by   the   accused   to   his   bank for stopping payment on the cheque do   not   mention   that   the   same   had   been   lost.   However,   the   correspondence   does   refer   to   the   cheque   being   dated   20­7­1999.   Furthermore,   during   the   cross­examination   of   the   complainant,   it   was   suggested   on   behalf of the accused that the complainant   had   the   custody   of   the   cheque   since   1998.   This   suggestion   indicates   that   the   accused   was aware of the fact that the complainant   had the cheque, thereby weakening his claim   of having lost a blank cheque. Furthermore,   a   perusal   of   the   record   shows   that   the   accused had belatedly taken up the defence   of   having  lost   a  blank   cheque  at   the   time   of   his   examination   during   trial.   Prior   to  the   filing   of   the   complaint,   the   accused   had not even replied to the notice sent by   the   complainant   since   that   would   have   afforded   an   opportunity   to   raise   the   defence   at   an   earlier   stage.   All   of   these   circumstances   led   the   High   Court   to   conclude that the accused had not raised a   probable   defence   to   rebut   the   statutory   presumption. It was held that: 
"6. Once the cheque relates to the account   of   the   accused   and   he   accepts   and   admits   the   signatures   on   the   said   cheque,   then   initial   presumption   as   contemplated   under   Section   139  of   the   Negotiable   Instruments   Page 12 of 58 R/CR.A/1140/2017 JUDGMENT Act has to be raised by the Court in favour   of   the   complainant.   The   presumption   referred to in  Section 139  of the N.I. Act   is   a   mandatory   presumption   and   not   a   general   presumption,   but   the   accused   is   entitled   to   rebut   the   said   presumption.   What   is   required   to   be   established   by   the   accused   in   order   to   rebut   the   presumption   is   different   from   each   case   under   given   circumstances. But the fact remains that a  mere   plausible   explanation   is   not   expected   from the accused and it must be more than a  plausible   explanation   by   way   of   rebuttal   evidence.   In   other   words,   the   defence   raised by way of rebuttal evidence must be   probable   and   capable   of   being   accepted   by  the   Court.   The   defence   raised   by   the   accused was that a blank cheque was lost by   him,   which   was   made   use   of   by   the   complainant. Unless this barrier is crossed   by the accused, the other defence raised by   him   whether   the   cheque   was   issued   towards   the   hand   loan   or   towards   the   amount   spent   by   the   complainant   need   not   be  considered.   ...'   Hence,   the   High   Court   concluded that the alleged discrepancies on  part   of   the   complainant   which   had   been   noted by the trial court were not material   since   the   accused   had   failed   to   raise   a   probable   defence   to   rebut   the   presumption   placed on him by Section 139 of the Act. 
Accordingly,   the   High   Court   recorded   a   finding of conviction. 
8. In the course of the proceedings before   this Court, the contentions related to the  proper   interpretation   of  Sections   118(a)138  and  139  of   the   Act.   Before   addressing   them,   it   would   be   useful   to   quote   the   language of the relevant provisions: 
118.   Presumptions   as   to   negotiable   instruments.   ­   Until   the   contrary   is   proved, the following presumptions shall be  made: 
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R/CR.A/1140/2017 JUDGMENT
(a) of consideration: that every negotiable   instrument   was   made   or   drawn   for   consideration,   and   that   every   such   instrument   when   it   has   been   accepted,   endorsed,   negotiated   or   transferred,   was  accepted,   endorsed,   negotiated   or  transferred for consideration; ...

138. Dishonour of cheque for insufficiency,   etc., of funds in the account. ­ Where any   cheque   drawn   by   a   person   on   an   account   maintained by him with a banker for payment   of   any   amount   of   money   to   another   person   from out of that account for the discharge,   in whole or in part, of any debt or other   liability, is returned by the bank unpaid,   either   because   of   the   amount   of   money   standing   to   the   credit   of   that   account   is   insufficient   to   honour   the   cheque   or   that   it   exceeds   the   amount   arranged   to   be   paid  from that account by an agreement made with   that   bank,   such   person   shall   be   deemed   to   have   committed   an   offence   and   shall,   without prejudice to any other provision of   this Act, be punished with imprisonment for   a   term   which   may   extend   to   two   years,   or   with   fine   which   may   extend   to   twice   the   amount of the cheque, or with both: 

Provided   that   nothing   contained   in   this   section shall apply unless­ 
(a)   the   cheque   has   been   presented   to   the   bank within a period of six months from the   date   on   which   it   is   drawn   or   within   the  period   of   its   validity,   whichever   is   earlier. 
(b)the payee or the holder in due course of   the   cheque,   as   the   case   may   be,   makes   a   demand   for   the   payment   of   the   said   amount   of money by giving a notice, in writing, to   the   drawer   of   the   cheque,   within   thirty   days   of   the   receipt   of   information   by   him   from   the   bank   regarding   the   return   of   the   cheque as unpaid; and  Page 14 of 58 R/CR.A/1140/2017 JUDGMENT
(c) the drawer of such cheque fails to make   the payment of the said amount of money to   the   payee   or,   as   the   case   may   be,   to   the   holder in due course of the cheque, within   fifteen   days   of   the   receipt   of   the   said   notice. Explanation. ­ For the purposes of   this   section,   `debt   or   other   liability'   means   a   legally   enforceable   debt   or   other   liability.

139.   Presumption   in   favour   of   holder­   It  shall   be   presumed,   unless   the   contrary   is   proved,   that   the   holder   of   a   cheque   received the cheque, of the nature referred   to   in  Section   138  for   the   discharge,   in   whole   or   in   part,   of   any   debt,   or   other   liability. 

9. Ordinarily   in   cheque   bouncing   cases,   what the courts have to consider is whether   the   ingredients   of   the   offence   enumerated   in Section 138 of the Act have been met and   if   so,   whether   the   accused   was   able   to   rebut   the   statutory   presumption   contemplated   by  Section    139       of   the   Act.  

With   respect   to   the   facts   of   the   present   case, it must be clarified that contrary to   the   trial   court's   finding,  Section   138  of  the   Act   can   indeed   be   attracted   when   a   cheque   is   dishonoured   on   account   of   `stop   payment'   instructions   sent   by   the   accused   to   his   bank   in   respect   of   a   post­dated   cheque,   irrespective   of   insufficiency   of   funds   in   the   account.   This   position   was   clarified by this Court in Goa Plast (Pvt.)   Ltd. v. Chico Ursula D'Souza, (2003) 3 SCC  232, wherein it was held:

"Chapter   XVII   containing  Sections   138  to  142  was introduced in the Act by Act 66 of  1988   with   the   object   of   inculcating   faith   in   the   efficacy   of   banking   operations   and   giving   credibility   to   negotiable   Page 15 of 58 R/CR.A/1140/2017 JUDGMENT instruments in business transactions. These   provisions   were   intended   to   discourage   people from not honouring their commitments   by   way   of   payment   through   cheques.   The  court   should   lean   in   favour   of   an   interpretation   which   serves   the   object   of   the statute. A post­dated cheque will lose   its   credibility   and   acceptability   if   its  payment can be stopped routinely.
The   purpose   of   a   post­dated   cheque   is   to   provide some accommodation to the drawer of   the   cheque.   Therefore,   it   is   all   the   more   necessary   that   the   drawer   of   the   cheque   should   not   be   allowed   to   abuse   the  accommodation given to him by a creditor by   way   of   acceptance   of   a   post­dated   cheque.   In   view   of  Section   139,   it   has   to   be   presumed   that   a   cheque   is   issued   in  discharge   of   any   debt   or   other   liability.   The presumption can be rebutted by adducing   evidence and the burden of proof is on the  person who wants to rebut the presumption.   This presumption coupled with the object of   Chapter   XVII   of   the   Act   leads   to   the   conclusion   that   by   countermanding   payment   of a post­dated cheque, a party should not   be   allowed   to   get   away   from   the   penal   provision   of  Section   138.   A   contrary   view  would render  S. 138  a dead letter and will   provide a handle to persons trying to avoid   payment   under   legal   obligations   undertaken   by   them   through   their   own   acts   which   in   other   words   can   be   said   to   be   taking   advantage of one's own wrong. ..." 

10. It has been contended on behalf of the   appellant­accused   that   the   presumption   mandated by Section 139 of the Act does not   extend   to   the   existence   of   a   legally   enforceable debt or liability and that the   same   stood   rebutted   in   this   case,   keeping   in   mind   the   discrepancies   in   the   complainant's version. It was reasoned that   it   is   open   to   the   accused   to   rely   on   the   Page 16 of 58 R/CR.A/1140/2017 JUDGMENT materials   produced   by   the   complainant   for   disproving   the   existence   of   a   legally   enforceable debt or liability. It has been   contended   that   since   the   complainant   did  not   conclusively   show   whether   a   debt   was   owed to him in respect of a hand loan or in   relation to expenditure incurred during the   construction   of   the   accused's   house,   the  existence of a legally enforceable debt or   liability   had   not   been   shown,   thereby   creating   a   probable   defence   for   the   accused.   Counsel   appearing   for   the   appellant­ accused has relied on a decision   given by a division bench of this Court in   Krishna   Janardhan   Bhat   v.   Dattatraya   G.   Hegde,   (2008)   4   SCC   54,   the   operative   observations   from   which   are   reproduced   below   (S.B.   Sinha,   J.   at   Paras.   29­32,   34   and 45):

"29.  Section   138  of   the   Act   has   three   ingredients viz.: 
(i)   that   there   is   a   legally   enforceable   debt 
(ii)   that   the   cheque   was   drawn   from   the   account   of   bank   for   discharge   in   whole   or   in   part   of   any   debt   or   other   liability   which   presupposes   a   legally   enforceable   debt; and 
(iii)   that   the   cheque   so   issued   had   been   returned due to insufficiency of funds. 

30.   The   proviso   appended   to   the   said   section  provides  for  compliance  with  legal   requirements   before   a   complaint   petition   can   be   acted   upon   by   a   court   of   law.  

Section   139  of   the   Act   merely   raises   a   presumption in regard to the second aspect   of   the   matter.   Existence   of   legally   recoverable   debt   is   not   a   matter   of   presumption   under  Section   139  of   the   Act.   It merely raises a presumption in favour of  Page 17 of 58 R/CR.A/1140/2017 JUDGMENT a   holder   of   the   cheque   that   the   same   has   been   issued   for   discharge   of   any   debt   or   other liability.

31. The   courts   below,   as   noticed   herein   before, proceeded on the basis that Section   139  raises   a   presumption   in   regard   to  existence of a debt also. The courts below,   in   our   opinion,   committed   a   serious   error   in proceeding on the basis that for proving   the defence the accused is required to step   into the witness box and unless he does so   he   would   not   be   discharging   his   burden.   Such an approach on the part of the courts,   we feel, is not correct.

32.   An   accused   for   discharging   the   burden   of   proof   placed   upon   him   under   a   statute   need not examine himself. He may discharge   his   burden   on   the   basis   of   the   materials   already brought on record. An accused has a   constitutional   right   to   maintain   silence.   Standard   of   proof   on   the   part   of   the   accused   and   that   of   the   prosecution   in   a   criminal case is different. 

... 

34.   Furthermore,   whereas   prosecution   must   prove   the   guilt   of   an   accused   beyond   all   reasonable doubt, the standard of proof so   as   to   prove   a   defence   on   the   part   of   the   accused   is   `preponderance   of  probabilities'.   Inference   of   preponderance   of probabilities can be drawn not only from   the   materials   brought   on   record   by   the   parties   but   also   by   reference   to   the  circumstances upon which he relies." 

(emphasis supplied)  Specifically   in   relation   to   the   nature   of   the presumption contemplated by Section 139  of the Act, it was observed; 

"45. We are not oblivious of the fact that   the   said   provision   has   been   inserted   to   Page 18 of 58 R/CR.A/1140/2017 JUDGMENT regulate   the   growing   business,   trade,   commerce   and   industrial   activities   of   the   country and the strict liability to promote   greater  vigilance in financial matters and   to   safeguard   the   faith   of   the   creditor   in   the drawer of the cheque which is essential   to   the   economic   life   of   a   developing   country like India. This however, shall not   mean that the courts shall put a blind eye   to   the   ground   realities.   Statute   mandates   raising   of   presumption   but   it   stops   at   that. It does not say how presumption drawn   should be held to have been rebutted. Other   important   principles   of   legal   jurisprudence,   namely,   presumption   of   innocence as a human right and the doctrine   of reverse burden introduced by Section 139  should   be   delicately   balanced.   Such   balancing   acts,   indisputably   would   largely   depend   upon   the   factual   matrix   of   each   case,   the   materials   brought   on   record   and   having regard to legal principles governing   the same." 

(emphasis supplied) 

11.   With   respect   to   the   decision   cited   above,   counsel   appearing   for   the   respondent­claimant   has   submitted   that   the  observations   to   the   effect   that   the   `existence   of   legally   recoverable   debt   is   not   a   matter   of   presumption   under  Section   139  of the Act' and that `it merely raises   a presumption in favour of a holder of the  cheque   that   the   same   has   been   issued   for   discharge   of   any   debt   or   other   liability'   [See   Para.   30   in   Krishna   Janardhan   Bhat   (supra)] are in conflict with the statutory   provisions   as   well   as   an   established   line   of   precedents   of   this   Court.   It   will   thus   be   necessary   to   examine   some   of   the   extracts   cited   by   the   respondent­claimant.   For   instance,   in  Hiten   P.   Dalal   v. 

 
      Bratindranath     Banerjee
                                  , (2001) 6 SCC 16, it  

was held (Ruma Pal, J. at Paras. 22­23): 

Page 19 of 58

R/CR.A/1140/2017 JUDGMENT "22.   Because   both  Sections   138  and  139  require that the Court `shall presume' the   liability of the drawer of the cheques for  the   amounts   for   which   the   cheques   are   drawn,   ...,   it   is   obligatory   on   the   Court   to   raise   this   presumption   in   every   case   where the factual basis for the raising of  the   presumption   has   been   established.   It  introduces an exception to the general rule   as to the burden of proof in criminal cases   and   shifts   the   onus   on   to   the   accused   (...). Such a presumption is a presumption   of law, as distinguished from a presumption   of fact which describes provisions by which   the   court   may   presume   a   certain   state   of   affairs. Presumptions are rules of evidence   and do not conflict with the presumption of   innocence,   because   by   the   latter   all   that   is meant is that the prosecution is obliged   to   prove   the   case   against   the   accused   beyond   reasonable  doubt.   The   obligation   on   the prosecution may be discharged with the   help of presumptions of law or fact unless   the   accused   adduces   evidence   showing   the  reasonable probability of the non­existence   of the presumed fact. 

23.   In   other   words,   provided   the   facts   required to form the basis of a presumption   of law exists, the discretion is left with   the Court to draw the statutory conclusion,   but   this   does   not   preclude   the   person   against whom the presumption is drawn from   rebutting   it   and   proving   the   contrary.   A  fact   is   said   to   be   proved   when,   after   considering   the   matters   before   it,   the   Court   either   believes   it   to   exist,   or   considers its existence so probable that a   prudent  man  ought,   under  the  circumstances   of   the   particular   case,   to   act   upon   the   supposition  that  it  exists.  Therefore,   the   rebuttal   does   not   have   to   be   conclusively   established   but   such   evidence   must   be  adduced before the Court in support of the   defence that the Court must either believe   Page 20 of 58 R/CR.A/1140/2017 JUDGMENT the   defence   to   exist   or   consider   its   existence   to   be   reasonably   probable,   the  standard of reasonability being that of the   prudent man." 

(emphasis supplied) 

12. The   respondent­claimant   has   also  referred   to   the   decision   reported   as   Mallavarapu   Kasivisweswara   Rao   v.   Thadikonda   Ramulu   Firm   &   Ors.,   2008   (8)   SCALE 680, wherein it was observed:

"Under  Section   118(a)  of   the   Negotiable   Instruments   Act,   the   court   is   obliged   to   presume, until the contrary is proved, that   the   promissory   note   was   made   for   consideration.   It   is   also   a   settled   position   that   the   initial   burden   in   this   regard   lies   on   the   defendant   to   prove   the   non­existence   of   consideration   by   bringing   on   record   such   facts   and   circumstances   which   would   lead   the   Court   to   believe   the   non­existence   of   the   consideration   either   by   direct   evidence   or   by   preponderance   of   probabilities showing that the existence of  consideration   was   improbable,   doubtful   or  illegal. ..." 

This   decision   then   proceeded   to   cite   an   extract from the earlier decision in Bharat     Barrel & Drum Manufacturing   Company v. Amin      Chand Pyarelal, (1993) 3 SCC 35 (Para. 12): 

"Upon consideration of various judgments as   noted   hereinabove,   the   position   of   law   which emerges is that once execution of the   promissory   note   is   admitted,   the   presumption   under  Section   118(a)  would  arise   that   it   is   supported   by   a   consideration.   Such   a   presumption   is  rebuttable.   The   defendant   can   prove   the   non­existence of a consideration by raising   a   probable   defence.   If   the   defendant   is   proved to have discharged the initial onus   of   proof   showing   that   the   existence   of   Page 21 of 58 R/CR.A/1140/2017 JUDGMENT consideration was improbably or doubtful or   the same was illegal, the onus would shift   to   the   plaintiff   who   will   be   obliged   to  prove it as a matter of fact and upon its   failure   to   prove   would   disentitle   him   to   the   grant   of   relief   on   the   basis   of   the   negotiable  instrument.  The burden  upon  the   defendant   of   proving   the   non­existence   of   the   consideration   can   be   either   direct   or  by bringing on record the preponderance of  probabilities   by   reference   to   the   circumstances upon which he relies. In such  an   event,   the   plaintiff   is   entitled   under   law   to   rely   upon   all   the   evidence   led   in   the case including that of the plaintiff as   well. In case, where the defendant fails to   discharge   the   initial   onus   of   proof   by   showing   the   non­existence   of   the   consideration,   the   plaintiff   would   invariably be held entitled to the benefit   of presumption arising under Section 118(a)  in   his   favour.   The   court   may   not   insist   upon   the   defendant   to   disprove   the  existence   of   consideration   by   leading   direct   evidence   as   the   existence   of   negative   evidence   is   neither   possible   nor   contemplated and even if led, is to be seen  with   a   doubt.   The   bare   denial   of   the   passing   of   the   consideration   apparently   does   not   appear   to   be   any   defence.   Something   which   is   probable   has   to   be   brought   on   record   for   getting   the   benefit   of   shifting   the   onus   of   proving   to   the   plaintiff. To disprove the presumption, the   defendant has to bring on record such facts   and   circumstances   upon   consideration   of   which the court may either believe that the   consideration   did   not   exist   or   its   non­ existence   was   so   probable   that   a   prudent   man   would,   under   the   circumstances   of   the   case,   act   upon   the   plea   that   it   did   not   exist." 

(emphasis supplied)  Interestingly,   the   very   same   extract   has  Page 22 of 58 R/CR.A/1140/2017 JUDGMENT also   been   approvingly   cited   in   Krishna   Janardhan Bhat (supra). 

13. With regard to the facts in the present   case,   we   can   also   refer   to   the   following   observations   in  M.M.T.C.   Ltd.   and   Anr.   v.   Medchl Chemicals & Pharma (P) Ltd., (2002)   1 SCC 234 (Para. 19): 

"... The authority shows that even when the   cheque   is   dishonoured   by   reason   of   stop   payment   instruction,   by   virtue   of  Section   139  the   Court   has   to   presume   that   the   cheque   was   received   by   the   holder   for   the   discharge in whole or in part, of any debt   or   liability.   Of   course   this   is   a   rebuttable   presumption.   The   accused   can   thus   show   that   the   `stop   payment'   instructions   were   not   issued   because   of   insufficiency   or   paucity   of   funds.   If   the   accused shows that in his account there was   sufficient funds to clear the amount of the   cheque   at   the   time   of   presentation   of   the   cheque   for   encashment   at   the   drawer   bank   and   that   the   stop   payment   notice   had   been   issued   because   of   other   valid   causes   including   that   there   was   no   existing   debt   or liability at the time of presentation of   cheque   for   encashment,   then   offence   under   Section   138  would   not   be   made   out.   The   important   thing   is   that   the   burden   of   so   proving would be on the accused. ..." 

(emphasis supplied) 

14.  In   light   of  these   extracts,   we  are   in   agreement with the respondent­claimant that  the presumption mandated by  Section 139  of  the   Act   does   indeed   include   the   existence   of a legally enforceable debt or liability.   To   that   extent,   the   impugned   observations   in   Krishna   Janardhan   Bhat   (supra)   may   not   be   correct.   However,   this   does   not   in   any   way   cast   doubt   on   the   correctness   of   the   decision in that case since it was based on   the   specific   facts   and   circumstances   Page 23 of 58 R/CR.A/1140/2017 JUDGMENT therein. As noted in the citations, this is   of   course   in   the   nature   of   a   rebuttable   presumption   and   it   is   open   to   the   accused   to raise a defence wherein the existence of   a legally enforceable debt or liability can   be   contested.   However,   there   can   be   no   doubt that there is an initial presumption   which favours the complainant. 

(emphasis supplied)  Section 139  of the Act is an example of a   reverse onus clause that has been included   in furtherance of the legislative objective   of  improving  the  credibility  of  negotiable   instruments.   While  Section   138  of   the   Act   specifies   a   strong   criminal   remedy   in  relation   to   the   dishonour   of   cheques,   the   rebuttable presumption under Section     139     is  a   device   to   prevent   undue   delay   in   the  course   of   litigation.   However,   it   must   be   remembered that the offence made punishable   by Section 138 can be better described as a  regulatory offence since the bouncing of a   cheque is largely in the nature of a civil   wrong   whose   impact   is   usually   confined   to   the  private  parties  involved  in  commercial   transactions. In such a scenario, the test   of   proportionality   should   guide   the   construction   and   interpretation   of   reverse   onus   clauses   and   the   accused/defendant   cannot   be   expected   to   discharge   an   unduly   high   standard   or   proof.   In   the   absence   of   compelling   justifications,   reverse   onus  clauses   usually   impose   an   evidentiary   burden and not a persuasive burden. Keeping   this in view, it is a settled position that   when   an   accused   has   to   rebut   the   presumption under Section 139, the standard   of   proof   for   doing   so   is   that   of  `preponderance   of   probabilities'.   Therefore, if the accused is able to raise   a   probable   defence   which   creates   doubts   about   the   existence   of   a   legally   enforceable   debt   or   liability,   the   prosecution   can   fail.   As   clarified   in   the   Page 24 of 58 R/CR.A/1140/2017 JUDGMENT citations,   the   accused   can   rely   on   the  materials   submitted   by   the   complainant   in   order   to   raise   such   a   defence   and   it   is   conceivable that in some cases the accused   may not need to adduce evidence of his/her   own." 

15. Coming back to the facts in the present  case,   we   are   in   agreement   with   the   High  Court's view that the accused did not raise  a   probable   defence.   As   noted   earlier,   the  defence   of   the   loss   of   a   blank   cheque   was  taken   up   belatedly   and   the   accused     had  mentioned   a   different   date   in   the   `stop  payment'   instructions   to   his   bank.  Furthermore,   the   instructions   to   `stop  payment'   had   not   even   mentioned   that   the  cheque   had   been   lost.   A   perusal   of   the  trial   record   also   shows   that   the   accused  appeared   to   be   aware   of   the   fact   that   the  cheque   was   with   the   complainant. 

Furthermore, the very fact that the accused  had failed to reply to the statutory notice  under  Section   138  of   the   Act   leads   to   the  inference   that   there   was   merit   in   the  complainant's   version.   Apart   from   not  raising   a   probable   defence,   the   appellant­ accused   was   not   able   to   contest   the  existence of a legally enforceable debt or  liability.   The   fact   that   the   accused   had  made regular payments to the complainant in  relation   to   the   construction   of   his   house  does   not   preclude   the   possibility   of   the  complainant  having spent his own money for  the same purpose. As per the record of the  case, there was a slight discrepancy in the  complainant's version, in so far as it was  not clear whether the accused had asked for  a   hand   loan   to   meet   the   construction­ related expenses or whether the complainant  had   incurred   the   said   expenditure   over   a  period   of   time.   Either   way,   the   complaint  discloses   the   prima   facie   existence   of   a  legally enforceable debt or liability since  the   complainant   has   maintained   that   his  Page 25 of 58 R/CR.A/1140/2017 JUDGMENT money   was   used   for   the   construction­ expenses. Since  the accused  did admit that  the   signature   on   the   cheque   was   his,   the  statutory   presumption   comes   into   play   and  the   same   has   not   been   rebutted   even   with  regard   to   the   materials   submitted   by   the  complainant." 

(emphasis supplied)

21.    Apt   would   be   also   to   refer   to   the   Chapter  13 of the NI Act under the heading 'Special Rules of  Evidence'  which  provides   for   the   Presumptions  available under Section 118 of the NI Act, until the  contrary   is   proved,   certain   presumptions   are   made  available under this Section 118 of the NI Act which  reads thus:

"118.   Presumptions   as   to   negotiable   instruments.
(a) of consideration;
(b) as to date;
(c) as to time of acceptance;
(d) as to time of transfer;
(e) as to order of endorsements;
(f) as to stamp;
(g) that holder is a holder in due course;"

22.    This   provision   subject   to   the   rule   of  evidence   is   applicable   to   the   matters   under   the   NI  Act. The presumption made available is one of law and  the Court is obliged to presume that the instrument  has   been   endorsed   for   consideration.   The   initial  burden, hence, lies on the person to prove that there  exists   legally   enforceable   debt   and   once   that   is  proved by the Payee, it would be upon the other­side,  i.e.   the   drawer,   to   prove   non­existence   of   the  Page 26 of 58 R/CR.A/1140/2017 JUDGMENT consideration, which would lead the Court to believe  either from direct evidence or from preponderance and  probabilities that the existence of consideration was  improbable, doubtful or illegal, as held by the Apex  Court   in  'MALLAVARAPU   KASIVISWESWARA   RAO   VS.   THADIKONDA RAMULU FIRM AND ORS', (2008) 7 SCC 655.

23.  Section   139   of   the   Act   would   also   require  reference at this stage.  This is also a presumption,  which   is   a   rebuttable   presumption   when   unless   the  accused   proves   to   the   contrary,   this   legal  presumption of Section  139 of the NI Act is to the  effect that the cheque is issued in discharge of an  existing   liability   and   that   presumption   can   be  rebutted   only   by   the   person,   who   drew   the   cheque.  Section 139 of the NI Act reads as under:

"139.   Presumption   in   favour   of   holder.--It  shall   be   presumed,   unless   the   contrary   is   proved,   that   the   holder   of  a   cheque   received the cheque of the nature referred   to   in   section   138   for  the   discharge,   in  whole   or   in   part,   of   any   debt   or   other   liability."

24.   Thus,   the   presumption   is   in   favour   of   the  holder  of the cheque,  as held by the Apex Court in  'M/S.MANDVI   CO­OP   BANK   LTD   VS   NIMESH   B.THAKORE', (2010)3SCC83.   Rebuttable   presumption   has   emerged  under Section 139 of the NI Act that the cheque was  issued   by   the   drawer   in   discharge   of   any   debt   or  liability to its holder. Undoubtedly, the presumption  available   under   Section   139   of   the   NI   Act   can   be  rebutted by the accused by adducing evidence and once  Page 27 of 58 R/CR.A/1140/2017 JUDGMENT the   initial   burden   is   discharged   of   proving   the  legally   enforceable   debt,   it   would   be   upon   the  accused to discharge that burden that there exists no  debt or liability upon him.

25.   In  'T.   VASANTHAKUMAR   VS.   VIJAYAKUMARI',  (2015) 8 SCC 378, the Apex Court was considering the  issue   of   the   dishonour   of   the   cheque   and   while  discussing the presumption under Section 139 of the  NI Act, it noticed that the Court below had convicted  the   defendant   for   dishonour   of   cheque   of   Rs.5   lakh  given as  consideration of a land given to him by the  complainant.   The   High   Court   had   acquitted   the  defendant   on   the   ground  that   the   appellant­original  complainant  had  not  proved   legally   enforceable   debt  or liability. The Apex Court held that the High Court  was misplaced in not considering the presumption in  favour   of   the   complainant   as   provided   under  Section139 of the Act, the burden had shifted on the  accused, which she failed to discharge. The signature  of   the   cheque   had   been   accepted   by   the   accused­ respondent. The Apex Court held that the presumption  under Section 139 of the NI Act would operate and it  is irrelevant that the complainant had withdrawn the  amount of Rs.5 lakh two days prior to the giving of  the cheque, which he failed to bring on record, such  withdrawal of money from the bank. The story of the  accused   was   that   the   cheque   was   given   to   the  complainant long back in the year 1999 and the loan  was repaid. However, the complainant did not return  the cheque and the same was misused by him to implead  Page 28 of 58 R/CR.A/1140/2017 JUDGMENT the   respondent   as   an   accused.   The   cheque   was  dishonored because the payment was stopped. The Court  held that the respondent­accused knew all throughout  about  the   cheque,  else   how   could   have  he   asked   the  Bank   to   stop   the   payment.   In   this   background,   apt  would   be   to   reproduce   some   of   the   observations   and  findings of the Apex Court, which read thus:

"We   have   heard   the   learned   counsel   appearing   for   the   appellant   as   also   the  learned   counsel   appearing   for   the   respondent.   The   complainant   has   alleged   that   the   money   (loan)   was   advanced   to   the   defendant   on   20­05­2006   in   relation   to   which  the  cheque  was  issued  to  him  by the   defendant on 16­01­2007. The cheque was for   Rs.5   lakhs   only,   bearing   No.822408.   It   is   of   great   significance   that   the   cheque   has   not been disputed nor the signature of the   defendant   on   it.   There   has   been   some   controversy   before   us   with   respect   to  Section   139  of   Negotiable   Instruments   Act   as   to   whether   complainant   has   to   prove   existence   of   a   legally   enforceable   debt   before   the  presumption   under  Section139  of  the   Negotiable   Instruments   Act   starts   operating and burden shifts to the accused.   Section139 reads as follows: 
"139. Presumption in favour of the holder­   It   shall   be   presumed,   unless  the   contrary   is   proved,   that   the   holder   of   a   cheque   received the cheque of the nature referred   to   in  Section   138  for   the   discharge,   in   whole   or   in   part,   of   any   debt   or   other   liability."   This   Court   has   held   in   its  three   judge   bench   judgment   in  Rangappa   v.  Sri Mohan (2010) 11 SCC 441: 
"The   presumption   mandated   by  Section139  includes a presumption that there exists a  Page 29 of 58 R/CR.A/1140/2017 JUDGMENT legally enforceable debt or liability. This   is of course in the nature of a rebuttable   presumption   and   it   is   open   to   the   accused   to raise a defence wherein the existence of   a legally enforceable debt or liability can  be   contested.   However,   there   can   be   no   doubt that there is an initial presumption   which   favours   the   respondent   complainant."  

Therefore,   in   the   present   case   since   the   cheque   as   well   as   the   signature   has   been   accepted   by   the   accused   respondent,   the   presumption   under  Section   139  would  operate.   Thus,   the   burden   was   on   the   accused   to   disprove   the   cheque   or   the   existence   of   any   legally   recoverable   debt   or   liability.   To   this   effect,   the   accused   has   come   up   with   a   story   that   the   cheque   was   given   to   the   complainant   long   back   in   1999 as a security to a loan; the loan was  repaid   but   the   complainant   did   not   return   the   security   cheque.   According   to   the  accused,   it   was   that   very   cheque   used   by   the   complainant   to   implicate   the   accused.   However,   it   may   be   noted   that   the   cheque   was   dishonoured   because   the   payment   was   stopped and not for any other reason. This   implies   that   the   accused   had   knowledge   of  the cheque being presented to the bank, or  else how would the accused have instructed   her   banker   to   stop   the   payment.   Thus,   the   story   brought   out   by   the   accused   is   unworthy   of   credit,   apart   from   being   unsupported by any evidence."

26.  The   ratio   laid   down   in   case   of  Vijay   Vs.   Laxman and Another, (2013) 3 SCC 86, at this juncture  would be necessary to reproduce, where the Apex Court  has held that When cheque is issued by a person who  has   signed   on   the   cheque   and   the   complainant  reasonably discharges the burden that the cheque had  been issued towards a lawful payment, it is for the  accused to discharge the burden under Section 118 and  Page 30 of 58 R/CR.A/1140/2017 JUDGMENT 139   of   the   N.I.   Act   that   the   cheque   had   not   been  issued   towards   discharge   of   a   legal   debt,   but,   was  issued   by   way   of   security   or   any   other   reason   on  account of same business transaction as was obtained  unlawfully. Profitable it would be to reproduce the  relevant observations of the Apex Court in the said  decision which read as under : 

"9.  It   is   undoubtedly   true   that   when   a  cheque is issued by a person who has signed   on   the   cheque   and   the   complainant   reasonably   discharges   the   burden   that   the  cheque   had   been   issued   towards   a   lawful   payment, it is for the accused to discharge   the burden under Section 118 and 139 of the   N.I.   Act   that   the   cheque   had   not   been   issued   towards   discharge   of   a   legal   debt   but   was   issued   by   way   of   security   or   any   other   reason   on   account   of   some   business   transaction or was obtained unlawfully. The   purpose   of   the   N.I.   Act   is   clearly   to   provide a speedy remedy to curb and to keep   check on the economic offence of duping or  cheating   a   person   to   whom   a   cheque   is   issued   towards   discharge   of   a   debt   and   if   the   complainant   reasonably   discharges   the   burden   that   the   payment   was   towards   a   lawful   debt,   it   is   not   open   for   the   accused/signatory of the cheque to set up a   defence   that   although   the   cheque   had   been   signed by him, which had bounced, the same  would not constitute an offence.
10. However, the Negotiable Instruments Act   incorporates   two   presumptions   in   this   regard:   one   containing   in   Section   118   of   the   Act   and   other   in   Section   139   thereof.   Section 118 (a) reads as under:­ "118.  Presumption   as   to   negotiable   instruments.  ­   Until   the   contrary   is   proved,   the   following     presumptions   shall   Page 31 of 58 R/CR.A/1140/2017 JUDGMENT be made 
(a)  of consideration: that every negotiable   instrument   was   made   or   drawn   for   consideration,   and   that   every   such   instrument   when   it   has   been   accepted,   indorsed,   negotiated   or   transferred,   was  accepted,   indorsed,   negotiated   or   transferred for consideration;"

(emphasis supplied)   10.2 Section 139 of the Act reads as   under:­ "139.  Presumption in favour of holder.­  It  shall   be   presumed,   unless   the   contrary   is   proved,   that   the   holder   of   a   cheque   received the cheque, of the nature referred   to   in   Section   138   for   the   discharge,   in   whole   or   in   part,   of   any   debt   or   other   liability."

11.   While   dealing   with   the   aforesaid   two   presumptions,   learned   Judges   of   this   Court  in the matter of P. Venugopal vs. Madan P.   Sarathi[2]   had   been   pleased   to   hold   that   under Sections 139118 (a) and 138 of the   N.I.   Act   existence   of   debt   or   other   liabilities   has   to   be   proved   in   the   first   instance   by   the   complainant   but   thereafter   the burden of proving to the contrary shifts   to   the   accused.   Thus,   the   plea   that   the   instrument/cheque had been obtained from its   lawful   owner   or   from   any   person   in   lawful   custody   thereof   by   means   of   an   offence   or   fraud or had been obtained from the maker or   acceptor thereof by means of an offence or  fraud   or   for   unlawful   consideration,   the   burden   of   disproving   that   the   holder   is   a   holder in due course lies upon him. Hence,   this   Court   observed   therein,   that   indisputably, the initial burden was on the   complainant   but   the   presumption   raised   in  favour of the holder of the cheque must be   kept   confined   to   the   matters   covered   thereby. Thereafter, the presumption raised   Page 32 of 58 R/CR.A/1140/2017 JUDGMENT does   not   extend   to   the   extent   that   the   cheque was not issued for the discharge of  any debt or liability which is not required   to be proved by the complainant as this is   essentially a question of fact and it is the   defence which has to prove that the cheque   was not issued towards discharge of a lawful   debt.

12.    Applying   the   ratio   of   the   aforesaid   case   as   also   the   case   of   K.N.   Beena   vs.   Muniyappan   And   Anr.   (supra),   when   we  examine   the   facts   of   this   case,   we   have   noticed   that   although   the   respondent   might   have   failed   to   discharge   the   burden   that   the cheque which the respondent had issued   was not signed by him, yet there appears to   be   a   glaring   loophole   in   the   case   of   the  complainant   who   failed   to   establish   that   the   cheque   in   fact   had   been   issued   by   the   respondent   towards   repayment   of   personal   loan since the complaint was lodged by the   complainant   without   even   specifying   the   date on which the loan was advanced nor the   complaint   indicates   the   date   of   its   lodgement  as the date column indicates nil   although as per the complainants own story,   the   respondent   had   assured   the   complainant   that   he   will   return   the   money   within   two  months   for   which   he   had   issued   a   post­   dated   cheque   No.119582   dated   14.8.2007   amounting   to   Rs.1,15,000/­   drawn   on   Vikramaditya   Nagrik   Sahkari   Bank   Ltd.,   Ujjain. Further  case of the complainant  is   that   when   the   cheque   was   presented   in   the   bank on 14.8.2007  for getting  it deposited   in   his   savings   account   No.1368   in   Vikarmaditya   Nagrik   Sahkari   Bank   Ltd.   Fazalpura,   Ujjain,   the   said   cheque   was   returned being dishonoured by the bank with   a note insufficient amount on 14.8.2007. In  the   first   place,   the   respondent­accused   is  alleged to have issued a post­dated  cheque   dated   14.8.2007   but   the   complainant/appellant   has   conveniently   omitted   to   mention   the   date   on   which   the  Page 33 of 58 R/CR.A/1140/2017 JUDGMENT loan   was   advanced   which   is   fatal   to   the   complainants   case   as   from   this   vital  omission it can reasonably be inferred that   the cheque was issued on 14.8.2007 and was   meant to be encashed at a later date within   two months from the date of issuance which   was   14.8.2007.   But   it   is   evident   that   the   cheque was presented before the bank on the   date of issuance itself which was 14.8.2007   and   on   the   same   date   i.e.   14.8.2007,   a   written   memo   was   received   by   the  complainant   indicating   insufficient   fund.   In   the   first   place   if   the   cheque   was   towards   repayment   of   the   loan   amount,   the   same was clearly meant to be encashed at a  later date within two months or at least a  little   later   than   the   date   on   which   the   cheque was issued: If the cheque was issued   towards   repayment   of   loan   it   is   beyond   comprehension   as   to   why   the   cheque   was   presented   by   the   complainant   on   the   same   date when it was issued and the complainant   was also lodged without specifying on which   date   the   amount   of   loan   was   advanced   as   also the date on which compliant was lodged   as the date is conveniently missing.  Under   the   background   that   just   one   day   prior   to   14.8.2007 i.e. 13.8.2007 an altercation had   taken   place   between   the   respondent­accused   and the complainant­dairy owner for which a  case   also   had   been   lodged   by   the  respondent­accused against the complainants   father/dairy owner,  missing of the date on   which   loan   was   advanced   and   the   date   on   which complaint was lodged, casts a serious   doubt   on   the   complainants   plea.   It   is,   therefore,   difficult   to   appreciate   as   to   why   the   cheque   which   even   as   per   the   case   of the complainant was towards repayment of  loan which was meant to be encashed within   two   months,   was   deposited   on   the   date   of  issuance itself."  

27.  In   wake   of   settled   position   of   law   as   to  how to appreciate the duly signed cheque in the hands  Page 34 of 58 R/CR.A/1140/2017 JUDGMENT of holder in due course or a drawee, on adverting to  the facts of the instant case, the question needs to  be   addressed   as   to   whether   proof   of   existence   of  legally enforceable debt, could be established by the  Appellant? 

28.  In   the   examination­in­chief,   the  complainant has given all the details which have been  specified in the complaint itself, which may not be  required   to   be   reiterated.   The   case   of   the  prosecution, in sum and substance, as emerged in oral  evidence   is   that   an   amount   of   Rs.36   lakh   had   been  advanced   to   the   respondent   which   he   needed   for   his  business,  which was to be set up and for which the  complainant   appellant   was   also   offered   partnership.  When the respondent No.2 did not fulfill his promise,  he   firstly   attempted   to   give   back   the   amount   by  transferring a parcel of his land. A promissory note  also   was   written   by   the   respondent   No.2   accused.  However, on account of his not clearing the land from  the bank where it was mortgaged, he issued the cheque  which eventually got dishonored. The cheque issued by  him was of State Bank of India, Girdharnagar Branch,  Ahmedabad.   However,   due   to   'insufficient   opening  balance', the same was returned as per the memo sent  by the Bank. 

29.  The   factum   of   issuance   of   notice   under  section 138 of the N.I. Act, as is mandatory, prior  to the lodgment of complaint has also come on record  which is dated 12.11.2002. Respondent No.2 has chosen  Page 35 of 58 R/CR.A/1140/2017 JUDGMENT not to reply to  the said notice nor has he paid back  the amount pursuant to such notice and that paved a  way for lodgment of complaint.     

30.  In the exhaustive  cross examination of the  complainant, he maintained that his acquaintance with  the   respondent   was   through   his   brother­in­law   Shri  Pravinbhai Ambabhai Patel. In the year 1985­86, the  respondent   was   also   working   under   the   Development  Officer Shri Kachrabhai and so was the complainant.  Thus,   when   both   of   them   were   working   as   L.I.C.  agents, the relationship had strengthened. He agreed  to the suggestion that the respondent was development  officer   of   L.I.C.   He   denied   the   suggestion   that  insurance   agent  cannot   transact  any  other   business.  He maintained that it was the business developed for  his   sons.   In  the   year  2001,  the   respondent   had   met  him   at   his   resident   being   3,   Shimla   Avenue,   Near  Navroji Hall, Dafnada, Shahibaug, and had confided in  him that in the village Chanchadwadi, in the name and  style   of  S.B.   Process   House,   a  family   business   was  set up and the same was to be operated by his sons.  

31.  The complainant himself was carrying on the  business of Iron and Steel in the name and style of  Ramkrishna   Hardware   and   Sales,   which   was   an  independent   business   and   which   had   a   turn   over   of  about Rs.40 lakh. The profit in the business was to  the   tune   of   about   10%.   He   maintained   his   books   of  accounts. He and the respondent No.2 used to meet on  a   regular   basis   and   that   is   how   this   sum   of   Rs.36  Page 36 of 58 R/CR.A/1140/2017 JUDGMENT lakh had been given to respondent No.2 on a promise  on   the   part   of   the   respondent   No.2   to   make   the  appellant   a   partner.   He   had   advanced   amount   in   the  month   of   December,   2001.   Since,   the   demand   of   the  respondent   No.2   was   of   cash,   accordingly,   it   was  managed.   It  is   the  case   of  the   complainant   that   it  was under the pretext of carrying out the partnership  that he had asked for advanced sum of Rs.36 lakh. He,  of   course,   was   unable   to   give   exact   dates   of  advancement   of   money,   but   according   to   him,  periodically   such   amount   had   been   given   and   a  promissory note was issued by the respondent.

32.  The source of amount of Rs.36 lakh has been  questioned seriously by the learned advocate for the  respondent, and a consistent reply of the complainant  was   that   the   same   was   earned   from   the   agricultural  income   of   his   relatives.   The   complainant   collected  the said amount from various relatives, the details  whereof are as under :­ Sr. Source of fund from : Amount No. 1 His agricultural income Rs.3.50 Lakh 2 His maternal uncle (Masa) Madhabhai Ramanbhai Rs.4 Lakh 3 Dashrathbhai Madhabhai (maternal cousins) (Masi's son) Rs.4 Lakh 4 Ramanbhai Madhabhai Shankardas (Cousin brother) Rs.4 Lakh 5 Dwarkadas Madhavlal Shankardas Patel (cousin and Rs.3 Lakh brother of Ramanbhai) 6 Bhikhabhai Hathidas Patel @ Gandabhai Patel (paternal Rs.6.5 Lakh uncle) (who expired 18 months prior to his deposition) 7 Narandas Motidas Patel (paternal uncle) (fua) Rs.3 Lakh 8 Ambalal Vandas Patel (father of his daughter-in-law) Rs.5 Lakh 9 Janakbhai Babubhai Patel (son of his maternal uncle) Rs.3.5 Lakh Total Amount Rs.36.50 Lakh Page 37 of 58 R/CR.A/1140/2017 JUDGMENT

33.   Thus,   the   details   of   names   and   amount   of  his collection of total sum of money advanced to the  respondent, has been confirmed. This was borrowed by  him with a promise to pay interest to those persons.  To   some   of   those   relatives,   he   needed   to   pay   the  interest and to others, he had returned the principal  amount. 

34.  Respondent   No.2   has   three   sons   and   the  complainant had not inquired in detail in connection  with their business of process house under the name  and style of S.B. Fabric.

34.1  The   complainant   also   was   unaware   that   the  S.B. Fabric means Shantilal Bhudarlal Adani who was a  father of Mr.Gautam Adani, the known businessman of  the State. He also pleaded ignorance of this fabric  house having been purchased by the respondent's son  from Shri Shantilal Adani. He also pleaded ignorance  that against the S.B. Fabric, the complaint came to  be   filed   by   various   persons,   which   included   the  present respondent No.2 and his sons.

34.2  This   Court   also   notices   that   in   the   cross  examination  of   the   complainant,  the  reference   comes  of the respondent No.2 having agreed to transfer the  portion of his immovable property being Survey No.506  and 507, Block No.633 situated at Taluka Ghuma, City  Ahmedabad, admeasuring 2 acre 38 gunthas and hector  1­19­38   Hector­Are­Sq.Mtrs.,   which   is   nearly  14,278sq. yards. The half of the portion he had shown  willingness to transfer in the name of three persons  Page 38 of 58 R/CR.A/1140/2017 JUDGMENT namely   1)   Patel   Baldevbhai   Dahyabhai,   President   of  Mansha   2)   Patel   Amrutbhai   Narayandas,   President   of  Charada   and   3)   Patel   Jayantibhai   Mafatlal   i.e.  present   appellant,   president   of   Parvatpura.  Calculating Rs.1100/­per sq.yard and for 50% of the  land   i.e.   7139   sq.yards,   the  value   of  the   land   had  been fixed at Rs.78,52,900/­. The amount of Rs.25lakh  was due to Patel Baldevbhai Dahyabhai, Rs.22lakh to  Amrutbhai   Narandas   and   the   amount   of   Rs.31,52,900/­  to Jayantibhai i.e. to the present appellant. As has  been agreed to by the respondent, this was given in  writing   towards   the   outstanding   dues   of   these  persons.   

34.3  The   outstanding   dues,   of   course,   is  Rs.36lakh,   however,   parcel   of   land   was   valued   at  Rs.31,52,900/­ since the complainant also had agreed  to take lesser value than the actual amount due.

34.4  The   stamp   paper   has   been   purchased   by   his  paternal   cousin   namely   Mr.   Bharatbhai   Kachrabhai  Patel, three to four days prior to the execution of  the   said   writing   dated   12.2.2002,   the   community  leader   had   also   met,   since,   there   was   no  power   of  attorney executed pursuant to the amount lent to the  respondent,   which   according   to   the   complainant   had  been   given   by   23.12.2001,   by   way   of   his   bona­fide  gesture,   he  had   agreed   to  transfer   him   the  part   of  his land. It is also the case of the complainant that  the   property   of   respondent   was   mortgaged   with   the  bank and hence the sale deed could not be executed in  Page 39 of 58 R/CR.A/1140/2017 JUDGMENT favor of the complainant for a long time and hence,  entire   deal   could   not   sail   through   and   eventually,  the respondent issued a cheque dated 13.10.2002 drawn  on   State   Bank   of   India   signed   by   the   respondent  himself and the cheque returned memo indicates that  due   to   insufficient   funds   on   1.11.2002   the   cheque  could not be honored.

35.  This Court notices that on the part of the  appellant­original complainant, regard has been made  to the promissory note averred to have been written  by the respondent No.2. This note would be required  to be proved as the primary evidence and in absence  thereof,   the   principle   of   admissibility   of   the  secondary evidence shall be regarded.

 

35.1  Thus, in absence of the original promissory  note, which the complainant could not produce and in  wake   of   the   deposition   of   the   complainant,   both  examination­in­chief   as   well   as   the   cross  examination,   it   could   be   said   that   the   complainant  had   succeeded   in   proving   the   legally   enforceable  debt.  

35.2  This   Court   is   also   aware   of   the   fact   that  so far as the promissory note is concerned, according  to   the   complainant­appellant,   it   was   given   by   the  respondent   herein.   However,   the   original   promissory  note, at no point of time, was brought on record. At  the   fag   end  of   trial,   a   request   was   made   by   the  appellant   before   the   Court   concerned   to   permit   the  original promissory note to be brought on record and  Page 40 of 58 R/CR.A/1140/2017 JUDGMENT further   allow   the   affidavit   of   two   persons,   viz.  Mr.Natvarlal Gandalal and Mr.Jagdishbhai Mafatlal. 

35.3  The   trial   Court   denied   such   a   request   on  the ground that this being a private complaint, the  complainant ought to have shown those persons as his  their   witnesses.   If   they   had   not   been   shown   as  witnesses, the permission of the Court ought to have  been   taken.   However,   directly   no   person   can   be  permitted the production of affidavit. So far as the  promissory note is concerned, the Court held that if  such document was in the custody of the complainant  from   the   beginning,   the   same   ought   to   have   been  produced at the stage of recordance of the evidence.  When it was asked  for at the stage of making final  submissions,   the   same   was   denied   vide   order   dated  7.6.2013. 

35.4   This   order   was   challenged   before   the   City  Civil and Sessions Court by way of Criminal Revision  Application No.311 of 2013.

35.5  After   hearing   both   the   sides,   the   City  Sessions   Court   on   referring   to   Section   255   of   the  Criminal Procedure Code held that the said provision  makes it clear that the learned Magistrate on its own  or   on   an   application,   may   issue   summons   to   any  witness   directing   him   to   produce   any   document.  However,   it   was   the   third   party   which   was   seeking  permission   to   submit   affidavits,   and   under   which  provision   they   were   seeking   the   same,   was   unclear.  The Court rejected the said application upholding the  Page 41 of 58 R/CR.A/1140/2017 JUDGMENT order   passed   by   the   learned   Magistrate.   And,  aggrieved appellant approached this Court by way of  Special Criminal Application No.3894 of 2013.

35.6  This Court (Coram  : Honourable  Mr. Justice  G.R.   Udhwani,   J.)   notices   that   such   an   application  (Exh.66)   was   made   after   recording   the   statement   of  accused under Section 313 of the Criminal Procedure  Code. It was also noted that the respondent No.2 had  alleged   of   kidnapping   and   of   his   signatures   having  been   obtained   on   an   agreement   for   sale   of   his  properties   forcefully   and   he   also   alleged   that   the  cheque was stolen from the office of his brother.    The   Court   held   that   in   the   further   statement  recorded   under   section   313   if   the   allegations   are  made   therein,   the   burden   to   make   such   allegations  good   is   upon   the   accused.   Therefore,   the   statement  made   under   Section   313   of   Cr.P.C.   cannot   be  considered as independent evidence and there can not  be any rebuttal of such statement. Referring to the  decision   of   the   Apex   Court   in   the   case   of  Natasha   versus   Central   Investigation   Bureau,  reported   in  (2013) 5 SCC 741, the Court reiterated the principle  in   relation   to   the   power   under   section   313   of   the  Cr.P.C.   Furthermore,   on   the   ground   that   the   case  under section 138 of the Negotiable Instruments Act,  was tried in a summary way and the petitioner had all  the opportunities to place on the record the evidence  during   the   trial,   the   Court   rejected   summarily   the  petition of the appellant. Thus, it can be said that  a request of rebutting the details which have come on  Page 42 of 58 R/CR.A/1140/2017 JUDGMENT the record in further statement under section 313 of  the Code, did not succeed.

35.7  The appellant because of some reasons could  not produce the promissory note, which according to  him, had reflected the promise from the respondent of  paying   back  the   amount   of  Rs.36  lakh.  As   the  other  two   witnesses,   whose   affidavits   were   sought   to   be  brought   on   record,   were   also   not   permitted   as   they  did not fit into the scheme of Section 255 nor under  section   311   of   the   Cr.P.C.,   they   were   not   called.  Therefore,   the   evidence   that   the   appellant   could  adduce before the Court through his oral deposition  and promise on the part of the respondent to transfer  portion   of   his   immovable   properties,   it   gets  established   that   the   outstanding   due,   out   of  Rs.36lakh,   is   reflected   and   valued   Rs.31,52,900/­.  The   statement   is  for   some  more   or  less   amount  than  the amount of the cheque which has been dishonored.  The   statement   also   did   not   said   through   as   the  property had been mortgaged with some of the banks,  from which the present respondent had taken advance.  The appellant­original complainant is not aware as to  whether two persons in whose favour the writing was  executed   along   with   the   promise   transfer   the   land,  whether   any   criminal   case   was   pending,   however,  according   to   the   learned   advocate   Mr.Baqui   who   is  representing   the   respondent,   no   criminal   case   in  relation   to   the   amount   specified   for   both   these  persons   respectively   Rs.25   lakh   and   Rs.22   lakh,   is  pending.     

Page 43 of 58

R/CR.A/1140/2017 JUDGMENT

36.  It   is   pointed   out   to   this   Court   that   the  respondent   is   facing   various   litigations,   since,   he  had   borrowed   the   amounts   from   many   persons.   The  application given to the police by the North Gujarat  Association through Shri.Jayantilal Mafatlal Patel is  forming   the  part   of  the   record   of  the   trial   Court.  Exhibit--59   speaks   of   the   respondent   having  manipulated  from   various  persons  and   also   defrauded  them   by   alluring   them   to   park   their   money   in  S.B.Fabrics, which, according to him, is the biggest  private limited company with the promise of doubling  their money, if invested, within three years. 

37.  It   is   this   manipulation,   which   generated  trust and the investment of crores of rupees had been  obtained by him. A list is also produced consisting  names of about 33 persons with amount, varying from  Rs.1lakh   to   Rs.4.46crore.   A   request   is   made   to   the  Police   Officer   to   investigate   into   this   economic  offence.   A copy of this also had been sent to the  LIC,   Branch   Manager   and   the   respondent,   therefore,  had   addressed   a   communication   to   the   present­ Respondent,   where,   he   was   required   to   submits   his  explanation and on 04.07.2017, he had stated that he  had no partnership nor any share in or directorship  in the said S.B.Fabrics and if, any one has engaged  and parked his money in S.B. Fabrics, he has nothing  to   do   with   the   same.   Because,   this   Company   or   the  partnership is of his two sons, who are independently  looking after the business and he, as a father, has  no role to play. So far as the present complainant is  Page 44 of 58 R/CR.A/1140/2017 JUDGMENT concerned,   whose   letter  had  initiated   this   inquiry,  he had stated that it was the complainant and others,  who   have   invested   their   amounts   in   the   Company.  However,   it   is   only   to   cause   damage   to   his  reputation, he had written such a letter to the LIC.  One witness, namely Mukesh Shah, who was working as  Asst. Director in the office of the LIC, Ahmedabad on  30.07.2012   had   deposed   on   the   basis   of   various  documents,   which   had   been   tendered   before   the   LIC  Branch.   After   this   reply,   the   proceedings   had   been  wound­up. It is also worthwhile, at this stage,   to  refer to the list of documents produced vide Exhibit­ 7 before the trial Court, whereby, the details of the  various   quashing   petitions   and   criminal   cases  registered   against   this   respondent   No.2   have   been  detailed.   The   application   was   fixed   for   hearing.  These documents had been produced along with written  submissions   under   Section   314   of   the   Code   and   a  request   was   made   to   take   judicial   notice   of   those  documents on the ground that merely taking the same  on   record   would   not   prejudice,   in   any   manner,   the  defence of the respondent and that, with an objection  of the part of the respondent, were taken on record  before this Court (Annexure­E). 


Sr. Name and Address       Relation with Complai   cheque Date of     Amount         Status
No.                        the           nt date   No. and Presenta
                           Complainant and the     Bank    tion of
                                         Court             cheque
1   Jayantilal Mafatlal    Complainant   13/4/04   574147 30/10/02    Rs.36,00,000   Present
    Patel                  himself       Court     SBI                               Case
    3 Simla Avenue                       No.2      Girdhar
    Shahibaug                            Meghani   nagar
    Ahmedabad                            nagar
2   Kachra Soma Patel   Uncle            13/4/04   574136 31/10/02    Rs.39,00,000   Pending
    2 Shahi Shivam Soc.                            SBI
    Shahibaug                                      Girdhar
    Ahmedabad                                      nagar




                                          Page 45 of 58
          R/CR.A/1140/2017                                                   JUDGMENT



3    Bharat Kachra          Uncle's Son   13/4/04   574145 03/01/03   Rs.45,00,000   Pending
     83 Prabhu Nagar                      Court     SBI
     Soc.                                 No.2      Girdhar
     Asarva,                              Meghani   nagar
     Ahmedabad                            nagar
4    Ashwin Kachra       Uncle's Son      13/4/04   171233 28/10/02   Rs.15,00,000   Settled and
     2 Shahi Shivam Soc.                  Court     CBI                              withdrawn
     Shahibaug                            No.2      Tilak
     Ahmedabad                            Meghani   Road
                                          nagar
5    Jagdish Kachra      Uncle's Son      25/11/02 028519 29/10/02    Rs.2,00,000    Acquitted
     2 Shahi Shivam Soc.                  A'bad    CBI
     Shahibaug                            (Rural)  Tilak
     Ahmedabad                                     Road
6    Bhikha Vithal Patel    Friend        25.11.02 574143 31/10/02    Rs.61,00,000   Settled and
     11 C Punit Park                      A'bad    SBI                               withdrawn
     Shahibaug                            (Rural)  Girdhar
     Ahmedabad                                     nagar
7    Joita jividas Patel Relative         24/1/03   574144 23/11/02   Rs.11,00,000   Convicted
     At & Post Ridrol                     Mansa     SBI                              and
     Mansa, Gandhinagar                   Court     Girdhar                          revision
                                                    nagar                            pending
8    Ambalal Shivram    Uncle             27/1/02   574146 27/11/02   Rs.10,00,000   Convicted
     Patel              (Mama)            Mansa     SBI                              and
     Post                                 Court     Girdhar                          revision
     Shabdalpura,Mansa,                             nagar                            pending
     Gandhinagar
9    Sankalchand S Patel Cousin           9/12/02   028518 31/10/02   Rs.7,00,000    Convicted
     Parbatpura, Mansa, Brother           Mansa     CBI                              and
     Gandhinagar                          Court     Tilak                            revision
                                                    Road                             pending
10   Ranchod Motidas        Cousin        16/12/02 115663 08/11/02    Rs.10,00,000   Settled and
     Patel                  Brother       Mansa    Navnir                            withdrawn
     At & Post                            Court    man
     Parbatpura, ansa,                             Bank
     Gandhinagar                                   Megha
                                                   ninagar
11   Teja Baba Rabari       Friend        20/12/02 222332 30/10/02    Rs.2,00,000    Acquitted
     Chandumana                           Patan    CBI
     Patan                                Court    Tilak
                                                   Road,
12   Ishwar Baba Desai,     Friend        27/11/02 028504 28/10/02    Rs.6,00,000    Dismissed
     D 3/9 Julie                          Court    CBI                               for non
     Apartment                            No.2     Tilak                             prosecution
     Shahibaug                                     Road
     Ahmedabad
13   Mohan Keshav           Friend        22/1/03   028513 03/11/03   Rs.5,00,000    Withdrawn
     Lakhia                               Lathi     CBI
     Ramapur, Lathi,                      Court     Tilak
     Dist. Amreli                                   Road
14   Mukesh Becharbhai Friend             Court     030974 03/10/01   Rs.8,75,000    Settled and
     Patel,                               No.12     Navnir                           withdrawn
     Bhargav Society,                     Ahmeda    man
     Kubernagar, Saijpur,                 bad       Bank
     Ahmedabad                                      Megha
                                                    ninagr
15   Jagdish Kantibhai      Friend        Court     240092 20.12.01   Rs.9,05,000    Settled and
     Patel                                No.7      CBI                              withdrawn
     C-3, Monrepause                      A'bad
     Apt, Opp.                            (Rural)
     Chandralok Tower,
     Shahibaug
     Ahmedabad




                                           Page 46 of 58
         R/CR.A/1140/2017                               JUDGMENT



37.1          List   of   the   cases,   which   is   in   a   tabular 

form, thus gives the details of the cases, as shown  above   which   includes   the   case   of   the   present  complainant   before   the   Meghaninagar   Court.   As  indicated above, (i) the cases at Sr. Nos.2 and 3 are  pending   for   adjudication;   (ii)   the   cases   at   Sr.  Nos.4,6,10,13,14 and 15 have been settled and those  complaints   have   been   withdrawn;   (iii)   the   cases   at  Sr.   Nos.5   and   11,   he   has   been   acquitted;   (iv)   the  cases   at   Sr.Nos.7,8   and   9,   where,   the   revision  petitions are pending before this Court.

37.2 It would be apt to refer in connection with  the case at Sr.No.12, which is Criminal Case No. 1702  of   2002,   pending   before   the   Court   of   the   learned  Metropolitan   Magistrate,   Ahmedabad,   for   an   offence  under   Section   138   of   the   N.I.   Act,   the   present  Respondent had preferred a petition under Article 226  of the Constitution of India read with Section 482 of  the   Code   for   quashing   and   setting   aside   the   said  criminal   case.   The   Court   has   recorded   relevant  paragraphs   of   the   affidavit­in­reply   filed   by   the  complainant,   who   was   respondent   in   that   matter,  stating   therein   that   respondent   had   been   doing  business   "in   the   benami   name   of   his   three   sons,  namely Chirag Patel, Sachin Patel and Alpesh Patel by  starting S.B. Fabrics' at Changodar, wherein, all the  three sons of the respondent were directors and the  money was required by the petitioner for his sons in  the   business   of   process   house   in   the   name   of   S.B.  Fabrics  Private  Limited."   It   is,   further,   contended  Page 47 of 58 R/CR.A/1140/2017 JUDGMENT in   the   affidavit   that  "petitioner had mortgaged his bungalow obtaining the loan from Cooperative Bank for financing benami business of his sons in the name of S.B. Fabrics." The affidavit further shows that "The petitioner had obtained the loan of Rs.10 lakh on the basis of the original documents of his bungalow. The petitioner had also sold off his bungalow by creating duplicate documents of the original documents without obtaining release of the mortgage from the Cooperative Bank of Ahmedabad. When the Cooperative Bank of Ahmedabad came to know through its officers about the aforesaid fraud committed by the petitioner with the Bank, the officers of the Bank had filed an FIR being I-C.R. No.17 of 2003 for the offence under Section 400, 420, 465, 467 etc. of the Indian Penal Code against the petitioner and other accused at Karjan Police Station."

37.3 These details were held to be sufficient by  the   Court   not   to   interfere   in   exercise   of   inherent  powers conferred upon this Court under Section 482 of  the Code. Hence, such petition was not entertained.  These are some of the circumstances, which had been  presented   before   the   trial   Court   by   the   appellant,  herein,   to   indicate   the   overall   conduct   and   the  antecedents   of   the   respondent.   Undoubtedly,   on   the  main   issue,   as   to   whether,   the   appellant   can  establish   the   guilt   of   the   respondent   accused   in  committing   the   offence   punishable   under  Section  138  of the N.I. Act is an area, where, over and above the  deposition   of   the   complainant,   deposition   of   other  witnesses, who have been examined by the complainant  also are vital to be considered for establishing the  required   ingredients   of   proving   the   case   under  section 138 of NI Act. 



37.4          This   discussion   in   the   opinion   of   this 


                                  Page 48 of 58
         R/CR.A/1140/2017                              JUDGMENT



Court   was   essentially   to   point   out   that   the  complainant could establish his transactions with the  respondent, where, he had furnished the details as to  how   he   has   collected   the   amount   from   his   different  relatives   and   eventually   had   shown   the   respondent  having agreed to pay back the amount in the very year  by transferring half of the portion of his land. Of  course,   he   had   to   get   the   land   cleared,   which   was  mortgaged   with   the   Bank,   which   since,   he   could   not  do,   as   stated   in   the   examination­in­chief   and   has  stood   up   in   the   cross­examination.   The   complainant  was handed over the cheque, which was dishonored.

38.  At   this   stage,   the   deposition   of   the   bank  Officer,   Vishnubhai   Somabhai   Patel   is   to   be  considered   who   had   stated   that   he   knew   the  complainant and his Saving Account number is SB     / 1000 and the cheque bearing No.574147 was deposited  in   his   account   on   30.10.2002,   was   dishonored,   as  there   was   no   sufficient   balance   and   hence,   return  memo   dated   01.01.2002   reflects   'Insufficient  Funds'(Exhibit­20). 

38.1  Another   Bank   Officer,   Exhibit­30,   namely,  Parmeshwari   Bhagwandin   Sharma,   stated   that   cheque  (Exhibit­19) is of their Bank and the account of the  respondent   had   been   closed   on   25.12.2002.   The  impugned   cheque  (Exhibit­19)   which   was   presented   to  the   Bank   for   clearance   on   01.11.2002,   the   same   was  returned due to insufficient funds. He had also shown  the   account   opening   form   and   the   account   closing  Page 49 of 58 R/CR.A/1140/2017 JUDGMENT form.

39.  It   would   be   apt   to   refer   to   Exhibit­43,  which is an application by Respondent No.2 under his  signature,   making   a   request   to   call   some   of   the  persons   as   defence   witnesses.   This   included   the  handwriting  expert,  a   responsible   officer   from   LIC,  Ahmedabad Branch No.4/841, Tejabhai Bababhai. 

40.  The Court after hearing both the sides, had  ordered, wherein, it denied the request of examining  handwriting   expert.   The   defence   on   the   part   of   the  respondent is of the cheque having been stolen from  his bag, since, he was working as Development Officer  in LIC. The Court, since, did not find any complaint  having been made by the respondent in that regard and  as in the case of the complainant, he had stated that  all the details have been filled in by the respondent  No.2,   in   his   presence,   in   the   cheque,   the   Court  deemed   it   fit   not   to   refer   the   cheque   to   the  handwriting   expert.   It,   however,   permitted   someone  familiar,   from   the   office   of   LIC   to   be   examined.  Since, some of the documents produced at Annexures A,  B, and C were denied by the complainant. He has an  application   tendered   by   the   complainant   to   the   LIC  Branch   and   hence,   the   officer   concerned   was  permitted. 

41.  It   is,   thus,   very   clear   that   all   the  documents were made on the part of the respondent to  bring   home   his   defence   of   the   cheque   having   been  stolen and the signature not being that of his.

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42.  It   would   be   to   also   refer   to   the   notice,  which has been issued by the complainant, after the  cheque had been dishonored. There is no reply by the  respondent to the said notice.

43.  It   is   since   mandatory   for   any   party   to  issue notice as provided under the provisions of the  NI Act, before he prosecutes a person for dishonor of  the cheque, a notice has been issued within a period  of   30   days   from   the   date   of   receipt   of   the  information from the bank with regard to the return  of   the   cheque,   and   thus,   such   requirement   has   been  duly fulfilled by the present applicant. The drawer  of the cheque being the respondent, herein, not only  failed to make the payment of the said amount to the  payee­appellant within a period of 15 days from the  date   of  receipt   of  such   notice,  but,   he  also   chose  not to reply to the same. On expiry of the period of  30   days,   the   appellant   preferred   the   criminal  complaint   before   the   trial   Court   concerned,   the  details of which have already been mentioned herein  above. It is also not in dispute that the cheque had  returned,   as   per   the   Bank   memo   on   account   of  insufficient   balance   in   the   account   of   the   drawer.  The   cheque   bearing   No.574147   for   the   sum   of   Rs.36  lakh had returned due to insufficient balance.

44.  Considering the ratio,  which has been laid  down   in   the   above   referred   decisions   and   also  particularly   in   the   decisions   of   the   'RANGAPPA   VS.  MOHAN'(Supra)   and   also   in   the   case   of   'T.  Page 51 of 58 R/CR.A/1140/2017 JUDGMENT VASANTHAKUMAR   VS.   VIJAYAKUMARI'   (Supra),   it   can   be  conclusively   held   that   presumption   included   under  Section 139 of the NI Act does include the existence  of a legally enforceable debt or liability. Issuance  of   notice   of   demand   and   its   non   reply   by   the  respondent with specific proof of issuance of cheque  by   the   respondent   No.2   can   conclude   as   per   the  decision of Vijay Vs. Laxman and others (supra) that  the   appellant,   original   complainant   reasonably  discharged the burden that the cheque had been issued  towards a lawful payment. 

45.  It can be also concluded reiteratively that  the complainant has succeeded before the trial Court  in   proving   the   existence   of   a   legally   enforceable  debt   or   liability.   Even   if   the   withdrawal   of   the  amounts from various relatives has not come directly  from the bank accounts, the complainant succeeded in  proving the same through the oral evidence and also  by   providing   accurate   details   of   various   relatives  from whom, he had collected the amount to be handed  over to the respondent­accused. As a result of which,  the respondent No.2 had agreed to make the payment to  the tune of Rs.31 lakh and odd by giving a portion of  his   land   of  the  property   to  the   complainant  in   the  event of his non­fulfillment of his promise of making  the appellant a partner in the business for which the  complainant had trusted him and handed over the huge  sum. It is a matter of record that on the failure of  the respondent­accused to even honour the obligation  by getting the land cleared from the Bank, where, it  Page 52 of 58 R/CR.A/1140/2017 JUDGMENT was   mortgaged,   he  had   chosen   to  issue  a  cheque   for  Rs.36   lakh.   This   was   done   in   the   month   of  October/November, when the entire transaction failed  and   the   same   when   was   presented   to   the   Bank,   it  resulted   into   dishonor   of   the   cheque.   The   overall  circumstances,   which  thus  emerged   on   record,   and  which the complainant succeeded in proving from the  oral   as   well   as   documentary   evidence   lead   to   the  conclusion   of   existing   of   legally   enforceable   debt.  Number   of   complainants   have   been   filed   against   the  respondent­accused   and   which   also   resulted   into  his  conviction in some of the matters.   Although, these  are   additional   factors   and   grounds   they   also   are  substantiating the say of the complainant. This Court  holds firmly that the trial Court committed no error  in   believing   that   the   complainant   succeeded   in  discharging   the   burden   that   there   exists   a   legally  enforceable   debt   or   liability,   and   thereafter,   the  legal   presumption   was   required   to   be   dislodged   or  rebutted   by   the   accused­respondent,   which   he  miserably   failed   to   do   with   preponderance   of  probabilities,   and   therefore,   findings   and   the  conclusions arrived at by the Sessions Court deserve  to be quashed and set aside. The judgment and order  of   the   appellate   Court,  as   can   be   seen   from  appreciation of evidence that the view taken by the  Appellate   Court   is   unsustainable   being   contrary   to  the well settled cannon of law on the subject as also  established by various decisions of the Apex Court. 

46.  The   respondent   No.2   was   required   to  Page 53 of 58 R/CR.A/1140/2017 JUDGMENT discharge the burden under Section 118 and 139 of the  N.I. Act that the cheque he issued of Rs.36 lakh was  not   issued   towards   discharge   of   legal   debt   but   was  issued in view of security or was obtained unlawfully  or   was   issued   otherwise,   since   the   appellant  succeeded   in   proving   the   initial   burden   reasonably  existence  of   legal   debt  as   was  required     under   the  law.

46.1 With   no   reply   to   the   notice   of   demand  initially   and   in   absence   of   any   complaint   to   the  police   or   otherwise   in   connection   with   his   version  that the impugned cheque having been stolen from his  brother, the respondent No.2 cannot be said to have  discharged his burden as required of him by the law.

46.2 His   attempt   to   bring   on   record   theory   of  stolen   cheque   in   his   further   statement   after   many  years   is   nothing   but   a   calculative   chance   or   an  afterthought,   however,   neither   that  attempt  nor  his  detailed cross examination comes nowhere nearer even  to   discharge   his   burden,   even   with   a   comparatively  lighter   scale   of   proof   i.e.   preponderance   of  probabilities. 

46.3  His   line   of   cross­examination   also   reveals  clearly   that   the   business   of   S.B.   Fabrics   (process  house) was purchased from father of Mr. Gautam Adani  and   his   sons   were   looking   after   this   business.   He  attempted to say that he was not involved personally  Page 54 of 58 R/CR.A/1140/2017 JUDGMENT in   running   the   business   and   there   were   certain  litigations   in   respect   of   the   said   process   house,  however,   that   version,   on   the   contrary,   as   held   by  the trial Court, favours the complainant's story. His  aspirations for his family and his purchase of a huge  business   is   the   cause   of   his   facing   various  litigations   under   Section   138   of   the   N.I.   Act.  Respondent   No.2,   in   fact,   as   can   be   held  unhesitantly, failed to dislodge the positive proof.

46.4  Section 139 of the N.I. Act stipulates that  the   Court   shall   presume   unless   the   contrary   is  proved,   that   the   holder   of   the   cheque   received   the  cheque of the nature referred to in Section 138 for  discharge of debt or liability.

46.5  Section   3   when   read   with   Section   4   of   the  Evidence   Act,   it   can   be   said   that  Whenever   it   is  directed by the Court that the Court shall presume a  fact, it shall regard such fact as proved, unless and  until   it   is   disproved.   Section   3   defines   the  expression   'disproved'   that   a   fact   is   said   to   be  disproved when, after considering the matters before  it, the Court either believes that it does not exist,  or   considers   its   non­existence   so   probable   that   a  prudent   man   ought,   under   the   circumstances   of   the  particular case, to act upon the supposition that it  does not exist. Word 'proved' under the very section  stipulates   the  converse   that   'A  fact   is  said   to  be  proved when after considering the matters before it,  the Court either believes it to exist, or considers  Page 55 of 58 R/CR.A/1140/2017 JUDGMENT its existence so probable that a prudent man ought,  under   the   circumstances   of   the   particular   case,   to  act upon the supposition that it exists. 

47.    Apt   it   would   be   to   reproduce   the   relevant  findings   and   observations   of   the   Apex   Court   in   the  case  Hiten   P.   Dalal   v.   Bratindranath   Banerjee,  reported in (2001) 6 SCC 16, which have been quoted  and   considered   by   the   Apex   Court   in   the   case   of  Rangappa (supra), which are as under :

"22. Because both Sections 138 and 139 require   that the Court 'shall presume' the liability of  the drawer of the cheques for the amounts for   which   the   cheques   are   drawn,   ...,   it   is   obligatory   on   the   Court   to   raise   this   presumption   in   every   case   where   the   factual   basis   for   the   raising   of   the   presumption   has  been established. It introduces an exception to   the general rule as to the burden of proof in   criminal   cases   and   shifts   the   onus   on   to   the   accused   (...).   Such   a   presumption   is   a  presumption   of   law,   as   distinguished   from   a   presumption of fact which describes provisions   by which the court may presume a certain state   of affairs. Presumptions are rules of evidence   and   do   not   conflict   with   the   presumption   of   innocence,   because   by   the   latter   all   that   is  meant   is   that   the   prosecution   is   obliged   to   prove   the   case   against   the   accused   beyond   reasonable   doubt.   The   obligation   on   the   prosecution may be discharged with the help of   presumptions of law or fact unless the accused   adduces   evidence   showing   the   reasonable   probability   of   the   non­existence   of   the   presumed fact. 
23. In other words, provided the facts required   to   form   the   basis   of   a   presumption   of   law   exists,   the  discretion   is  left   with  the   Court   to draw the statutory conclusion, but this does   not   preclude   the   person   against   whom   the  Page 56 of 58 R/CR.A/1140/2017 JUDGMENT presumption   is   drawn   from   rebutting   it   and  proving   the   contrary.   A   fact   is   said   to   be   proved   when,   after   considering   the   matters   before   it,   the   Court   either   believes   it   to   exist,   or   considers   its   existence   so   probable   that   a   prudent   man   ought,   under   the   circumstances   of   the   particular   case,   to   act   upon the supposition that it exists. Therefore,   the   rebuttal   does  not   have   to  be  conclusively   established   but   such   evidence   must   be   adduced   before the Court in support of the defence that   the   Court   must   either   believe   the   defence   to  exist   or   consider   its   existence   to   be   reasonably   probable,   the   standard   of   reasonability being that of the prudent man."

48.  None   of   the   matters   brought   on   record  either   by   way   of   cross­examination   or   by   further  statement or otherwise, are such which can make the  existence   of   those   facts   so   probable   that   their  existence would be believed by a prudent man so as to  displace and dislodge the positive proof available on  record.

           

49.   Resultantly,   this   appeal   succeeds   and   the  same is ALLOWED. The judgment and order passed by the  learned   Additional   Sessions   Judge,   City   Sessions  Court   No.27,   Ahmedabad   City,   Dated   02.06.2017,  rendered   in   Criminal   Appeal   No.92   of   2015   and  Criminal   Appeal   No.486   of   2015   is  QUASHED  and   set  aside.  

50.  Further,   as   the   transaction   between   the  parties   is   of   the   year   2002   and   the   complaint   was  also   filed   in  the   year   2002,   when  the   amendment   in  the   law   having   come   about   of   enhancement   of  punishment for two years with effect from 06.02.2003,  Page 57 of 58 R/CR.A/1140/2017 JUDGMENT where,   the   maximum   punishment   prescribed   is   of   one  year.   Hence,   the   respondent­accused  is   sentenced   to  undergo simple imprisonment for one year and he shall  also   pay  RS.72   Lakh(SEVENTY   TWO   LAKH).  Out   of   the  same,   the   complainant   shall   be   paid   towards  compensation   an   amount   of  RS.71   Lakh(SEVENTY   ONE  LAKH),   whereas,  the   remaining  RS.1   Lakh(ONE   LAKH)   shall go to the State exchequer. In case of default,  the same shall be recovered in accordance with law.  The   judgment   and   order   passed   by   the   learned   Chief  Metropolitan   Magistrate,   Court   No.28,   Dated  13.02.2015,   in   Criminal   Case   No.521   of   2011   stands  MODIFIED to the aforesaid extent.

51.  Considering   the   huge   amount,   the  respondent­accused   is   given   four   weeks   time   to  deposit   the   same.   On   completion   of   four   weeks,   the  respondent­accused   shall   surrender   before   the  concerned   jail   authority   immediate   to   serve   the  sentence   and   in   case   of   failure   on   his   part,   non­ bailable   warrant   shall   be   issued   against   him   for  execution and implementation of order of this Court.   Disposed of, accordingly.

In   view   of   the   order   passed   in   the   appeal,  Criminal   Revision   Application   No.808   of   2017   shall  not   survive   and   it   also   stands  DISPOSED   OF,  accordingly. Direct service is permitted.

(MS. SONIA GOKANI, J.) PALLAVI Page 58 of 58