Bangalore District Court
Central Bureau Of Investigation vs Sri.B.V.V.S.N.Murthy on 28 January, 2017
IN THE COURT OF THE XLVII ADDITIONAL CITY CIVIL
& SESSIONS JUDGE & SPECIAL JUDGE FOR C.B.I.
CASES (CCH-48), BENGALURU.
Dated this the 28th day of January 2017
Present: SRI.ASWATHA NARAYANA, B.Sc., LL.M.,
XLVII Additional City Civil & Sessions Judge
& Special Judge for CBI Cases, Bengaluru.
SPECIAL CRIMINAL CASE No.92/2004
COMPLAINANT: Central Bureau of Investigation,
Represented by the Inspector of Police,
Anti Corruption Branch, Ganganagara,
Bengaluru.
(By Smt.K.S.Hema, Public Prosecutor.)
-Vs-
ACCUSED-1: Sri.B.V.V.S.N.Murthy,
S/o.Late Sri.Satyanarayana Murthy,
Former Chief Manager,
State Bank of India, Kumara Park
Branch, Bengaluru.
R/o. No.19-83/108,
Chandrapuri Colony,
Kapra, Hyderabad-62.
(By Sri.R.Ganesh Kumar, Advocate.)
ACCUSED-2: Sri.K.Venkataswamy Naidu,
S/o.Late Gujjappa Naidu,
R/o.No.287, 6th Cross, Netaji Nagar,
Kempapura Agrahara,
Mariyappanapalya,
Bangalore-560023.
(By Sri.B.J.Prakash Singh, Advocate.)
2 [Spl.C.C.92/2004-J]
ACCUSED-3: Sri.D.Murugeshan,
S/o.Late Sri.Duraiswamy,
R/o.H.No.635, Ground Floor,
10th 'E' Main Road, 6th Block,
Rajaji Nagar, Bengaluru-10.
(By Sri.B.J.Prakash Singh, Advocate.)
ACCUSED-4: Smt.M.Lalitha,
W/o.Sri.D.Murugeshan,
R/o.H.No.635, 10th 'E' Main,
6th Block, Rajajinagar,
Bengaluru-10.
(By Sri.B.J.Prakash Singh, Advocate.)
ACCUSED-5: M/s.J.J.Nagara SC/ST & Other Backward
Classes Credit Co-operative Society,
Functioning from H.No.635, 10th 'E' Main,
6th Block, Rajajinagara, Bengaluru-10.
Represented by the Accused-2 & 3.
(By Sri.B.J.Prakash Singh, Advocate.)
ACCUSED-6: Sri.N.P.James,
S/o.Sri.Prabhu Das,
No.49, Sathyamurthy Road,
Gandhi Cross, Ramaswamypalya,
Banasawadi Post, Bengaluru-33.
(By Smt.Nivedita Prem &
Sri.Bharath, Advocates.)
ACCUSED-7: Sri.Mangesh Kumar Shenoy,
S/o.Late Sri.Moodalagiri Shenoy,
No.41/1, 3rd Cross, 3rd Main,
3rd Block, Thyagaraja Nagara,
Bengaluru.
(By Sri.N.Vinod, Advocate.)
3 [Spl.C.C.92/2004-J]
1. Nature of Offence: Offence punishable under Sections
120-B r/w. 420, 468 and 471 of
the Indian Penal Code, 1860 and
Sections 13(2) r/w. 13(1)(d) of the
Prevention of Corruption Act, 1988
and also substantive offence
punishable under Sections 468,
471 and 420 of the IPC and
Sections 13(2) r/w. 13(1)(d) of the
Prevention of Corruption Act,
1988.
2. Date of Commission of
From July 1999 to February 2000.
Offence:
3. Date of First Information
Report: 18.03.2002.
4. Date of Arrest of the Accused-1 on 22.01.2004,
Accused: Accused-2 on 22.01.2004,
Accused-3 on 21.01.2004.
Accused-4, 6 & 7 are not arrested.
5. Period spent by the Accused-1: 5 days,
Accused-1 to 3 in Accused-2: 20 days,
Judicial Custody: Accused-3: 10 days.
6. Date of Commencement
of Evidence: 19.07.2010.
7. Date of Closure of
Evidence: 18.05.2013.
8. Date of Pronouncement
of Judgment: 28.01.2017.
9. Result of the Case : Accused-1, 3 & 4 are Convicted.
Accused-2, 5, 6 & 7 are Acquitted.
(ASWATHA NARAYANA)
XLVII Additional City Civil & Sessions Judge
& Special Judge for CBI Cases,
Bengaluru.
-o0o-
4 [Spl.C.C.92/2004-J]
JUDGMENT
This case is filed by the Complainant alleging that the Accused-1, who was the Chief Manager of the State Bank of India, Kumara Park Branch, Bengaluru (for short, 'the Bank') during the years 1999 and 2000, the Accused- 2 and 3, who are the President and Secretary respectively of the Accused-5:M/s.J.J.Nagara SC/ST/OBC Credit Co- operative Society (for short, 'the Society'), and the Accused-4, 6 and 7 entered into Criminal Conspiracy to Cheat the Bank by creating fake and forged Salary Certificates, Employment Certificates etc., and using those fake and forged documents as genuine documents for the purpose of sanctioning Personal Loans by the Bank and that, in furtherance of the said Conspiracy, the Accused-3, 4, Smt.Meena Kumari and Sri.Vasuki created fake and forged Salary Certificates, Employment Certificates; the Accused-1 to 7 fraudulently and dishonestly used those forged documents as genuine documents for the purpose of granting Personal Loans to 208 persons; the Accused-1 being a Public Servant abused his official position and sanctioned Personal Loans to an extent of Rs.106.53 Lakhs to 208 persons on the strength of those fake and forged documents and transferred the entire loan amount to the Society by exceeding his powers and flouting all banking norms, guidelines etc., which became overdue and unrecoverable, the Accused-1 to 7 cheated the Bank by way of causing wrongful loss to an extent of Rs.106.53 Lakhs to the Bank and corresponding wrongful gain to 5 [Spl.C.C.92/2004-J] themselves and that thereby, the Accused-1 to 4 have committed an offence punishable under Section 120-B r/w. Sections 420, 468 and 471 of the Indian Penal Code, 1860 (for short, 'the IPC') and Sections 13(2) r/w. 13(1)(d) of the Prevention of Corruption Act, 1988 (for short, 'the PC Act'); the Accused-2 has committed an offence punishable under Section 120-B r/w. Sections 420 and 471 of the IPC; the Accused-3, 4, 6 and 7 have committed an offence punishable under Section 120-B r/w. Sections 420, 468 and 471 of the IPC and the Accused-5 has committed an offence punishable under Section 120-B r/w. Section 420 of the IPC.
2. After appearance of the Accused-1 to 7 before this Court, Copies of Charge Sheet and other documents relied upon by the Complainant were furnished to them. After hearing both the sides before framing Charge, on 20.02.2010, the then Presiding Officer of this Court framed Charge against the Accused-1 to 4, 6 and 7 for the offence punishable under Sections 120-B of the IPC; against the Accused-1 for the offence punishable under Section 120-B r/w. Sections 420 and 471 of the IPC and also for the offence punishable under Section 13(2) r/w. 13(1)(d) of the PC Act; against the Accused-3 for the offence punishable under Section 120-B r/w. Sections 420, 468 and 471 of the IPC; against the Accused-4 for the offence punishable under Sections 120-B r/w. Section 471 of the IPC; against the Accused-6 and 7 for the offence punishable under Section 120-B r/w. Sections 420 and 471 6 [Spl.C.C.92/2004-J] of the IPC. When the same was read over and explained to the Accused-1 to 4, 6 and 7, they pleaded not guilty to the same and claimed to be tried.
3. During trial, the Complainant got examined 26 Witnesses as P.W.1 to P.W.26 and got marked 1802 Documents as Ex.P.1 to Ex.P.1802 on his behalf. With that evidence, the Complainant closed his side.
4. On examination of the Accused-1 to 4, 6 and 7 under Section 313 of Code of Criminal Procedure, 1973 (for short, 'the Cr.P.C.'), they did not admit the incriminating evidence appearing against them. The Accused-1 and 6 also filed their Written Statements denying the case of the Complainant. The Accused-1 to 7 did not choose to adduce any oral evidence on their behalf. However, they got marked 8 Documents as Ex.D.1 to Ex.D.8 while Cross-examining P.W.2, P.W.10, P.W.11, P.W.14, P.W.19 and P.W.24.
5. On 20.02.2010, no Charge was framed against the Accused-5 specifically. On 17.01.2014, an Application was filed under Section 240 of the Cr.P.C., by the Complainant for framing Charge against the Accused-5 and after hearing both the sides, on 02.04.2014, the then Presiding Officer of this Court allowed that Application ordering to frame Charge against the Accused-5. Accordingly, on 11.12.2014, the then Presiding Officer of this Court framed Charge against the Accused-5, 7 [Spl.C.C.92/2004-J] represented by the Accused-2 and 3, for the offence punishable under Section 420 of the IPC. The same was read over and explained to the Accused-2 and 3 on behalf of the Accused-5. The Accused-2 and 3 pleaded not guilty to the same and claimed to be tried on behalf of the Accused-5 also. The Complainant did not choose to adduce any additional evidence in respect of the Charge framed against the Accused-5. The Accused-5, represented by the Accused-2 and 3, was examined under Section 313 of the Cr.P.C. During that examination also, the Accused-5 denied the incriminating evidence appearing against him. The Accused-5 did not choose to adduce any defense evidence.
6. As there was typographical mistake in the 6th Charge framed against the Accused-1, on 09.04.2015, a Memo was filed by the Complainant to rectify the said mistake. On the same day, the Complainant also filed an Application under Section 216 of the Cr.P.C., for framing Additional Charges against the Accused-2, 4, 6 and 7. After hearing both the sides, on 13.05.2015, the then Presiding Officer of this Court allowed those Memo and the Application. Accordingly, mistake was rectified in the 6th Charge framed against the Accused-1 and on 02.06.2015, an Additional Charge was framed against the Accused-2 for the offence punishable under Sections 120-B r/w. 420 and Sections 120-B r/w. 471 of the IPC, against the Accused-4 for the offence punishable under Section 120-B r/w.
8 [Spl.C.C.92/2004-J] Section 420 and Section 120-B r/w. Section 468 of the IPC and against the Accused-6 and 7 for the offence punishable under Sections 120-B r/w. 468 of the IPC. Same was read over and explained to the Accused-2, 4, 6 and 7. They pleaded not guilty to the same and claimed to be tried. As evidence on the Additional Charge was already adduced, the Complainant did not choose to adduce any further evidence. As no additional evidence was adduced on behalf of the Complainant, after altering the Charge and as the Examination of the Accused already made under Section 313 of the Cr.P.C., had covered all the incriminating evidence, this Court did not choose to further examine the Accused-2, 4, 6 and 7. However, those Accused were permitted to file Additional Written Statements, if any, under Section 313(5) of the Cr.P.C. The Accused-1 to 7 did not choose to adduce any additional evidence on their behalf. They did not also choose to file any additional statement. But, by consent of both the parties, 4 Documents were got marked as Ex.D.9 to Ex.D.12 on behalf of the Accused-1.
7. After hearing arguments, this Court posted the case for judgment. On perusal of papers, while preparing judgment, this Court noticed that proper Charge was not framed and hence, passed an Order on 19.03.2016 for reframing Charge against the Accused-1 to 7. Accordingly, Charge was reframed against the Accused-1 to 7 for the offence punishable under Sections 120-B r/w. 420, 468 & 9 [Spl.C.C.92/2004-J] 471 of the IPC and Sections 13(2) r/w. 13(1)(d) of the PC Act and also for the substantive offences punishable under Sections 471 and 420 of the IPC; against the Accused-4 and 5 for an offence punishable under Section 468 of the IPC and against the Accused-1 for the offence punishable under Section 13(2) r/w. 13(1)(d) of the PC Act. When it was read over and explained to the Accused-1 to 7, they pleaded not guilty and claimed to be tried.
8. After such reframing of Charge, an opportunity was given to both the sides for adducing additional evidence, if any. Both the parties did not choose to adduce any additional oral evidence on their behalf. The Complainant, the Accused-6 and the Accused-7 did not choose to produce any additional documentary evidence also. However, with the consent of the Complainant, the Accused-1 to 5 got marked Ex.D.13 to Ex.D.93 and Ex.D.57-A on their behalf. As the Complainant did not produce any additional evidence, the Accused-1 to 7 were not further examined under Section 313 of the Cr.P.C.
9. Heard arguments of both the sides. Perused records including Written Arguments filed on behalf of both the parties.
10. On considering the rival contentions of both the parties, the Points that arise for determination in this case are as follows:-
10 [Spl.C.C.92/2004-J]
1. Whether Sanction from the Competent Authority is required to prosecute the Accused-1? If so, whether there is such Sanction in accordance with law?
2. Whether there was Criminal Conspiracy between the Accused-1 to 7 to commit forgery, using forged documents as genuine documents, cheating the Bank and to commit Criminal Misconduct and that they are guilty of the offence punishable under Sections 120-B r/w. 420, 468 and 471 of the IPC and Sections 13(2) r/w. 13(1)(d) of the PC Act, as alleged?
3. Whether the Accused-3 and 4 have forged the documents for the purpose of cheating and that they are guilty of the offence punishable under Section 468 of the IPC as alleged?
4. Whether the Accused-1 to 7 fraudulently or dishonestly used the said forged documents as genuine documents, knowing or having reason to believe that those documents to be forged documents and that they are guilty of the offence punishable under Section 471 of the IPC as alleged?
5. Whether the Accused-1 to 7 cheated the Bank and thereby dishonestly induced the Bank to sanction Personal Loans to non-
genuine members of the Society and that they are guilty of the offence punishable under Section 420 of the IPC as alleged?
6. Whether the Accused-1 fraudulently and dishonestly by abusing his position as Public Servant sanctioned and released Personal Loans to non-genuine members of the Society illegally and in contravention of Banking norms and procedure and obtained 11 [Spl.C.C.92/2004-J] pecuniary advantage for himself and for others and that he is guilty of an offence punishable under Sections 13(2) r/w. 13(1)(d) of the PC Act as alleged?
7. What Order?
11. Findings of this Court on the above Points are as follows:-
Point-1: Partly in the Affirmative;
Point-2: Affirmative against the Accused
-3 & 4;
Negative against the Accused-1 2, 5, 6 & 7;
Point-3: Affirmative;
Point-4: Affirmative against the Accused
-3 & 4;
Negative against the Accused-1, 2, 5, 6 & 7;
Point-5: Affirmative against the Accused
-3 & 4;
Negative against the Accused-1, 2, 5, 6 & 7;
Point-6: Affirmative;
Point-7: See final portion of this Judgment.
REASONS UNDISPUTED FACTS
12. The Accused-5 is a registered Co-operative Society. Ex.P.1779 is a True Copy of relevant Page in the Register maintained by the Assistant Registrar of Co-
12 [Spl.C.C.92/2004-J] operative Society, Bengaluru First Circle, Bengaluru, about registration of that Society. Ex.P.1797 is a Copy of Bye- laws of the Society. The Accused-2 is the President and the Accused-3 is the Secretary of the Society. Smt.M.Meena Kumari was one of the Directors of the Society. The Accused-4 is the wife of the Accused-3.
13. The Accused-1 was working as the Chief Manager of the Bank from 16.04.1998 to 20.05.2000. He took Voluntary Retirement on 31.03.2001.
14. On 25.06.1999, a Resolution was passed by the Society to open an Account in the name of the Society with the Bank and authorizing the Accused-3 to operate that Account along with the Accused-2 or Smt.M.Meena Kumari. Ex.P.1796 is the Copy of that Resolution. Accordingly, an Account in SB (C & I) bearing No.014615 was opened in the name of the Society. Ex.P.1776 is the Statement of Account relating to that Account.
15. On 22.06.1999, the Accused-5 through the Accused-3 sent a Letter as per Ex.P.1788 with Copies of Resolution requesting the Bank to grant Personal Loans in the name of its members for purchasing consumer durables. As per that request, on behalf of the Bank, the Accused-1 agreed to sanction Personal Loans of Rs.50,000/- each in the name of 668 persons, who were said to be the members of the Accused-5. The Accused-5 undertook to recover the loan amount from the borrowers 13 [Spl.C.C.92/2004-J] and to repay the same to the Bank. A Memorandum of Understanding as per Ex.P.1786 was entered into between the Accused-5 and the Bank in this regard. On behalf of the Bank, the Accused-1 put his signature and the Accused-2, 3 and other Board of Directors on behalf of the Accused-5 put their signatures to Ex.P.1786. In terms of Ex.P.1786, the Accused-1 sanctioned Personal Loans of Rs.50,000/- each to 668 persons i.e., in all Rs.3.34 Crores in 12 batches at the rate of 50 persons per batch. The loan amount was transferred to the SB Account No.16615 of the Accused-5 from the individual loan Accounts of the borrowers under Authorisation Letters of the borrowers. The Accused-3 and Smt.M.Meena Kumari have withdrawn the said amount through Cheques-Ex.P.1644 to Ex.P.1741.
16. On the allegations of illegalities in sanctioning the said loans, an internal investigation was conducted by P.W.2-Sri.Sudhakar Kulai, who was the Manager (Recovery), SBI, Zonal Office, Bengaluru and P.W.4- Sri.S.T.Govinda Raju, who was the Chief Manager, Credit Support Cell, SBI, Zonal Office, Bengaluru. P.W.2 submitted Enquiry Report as per Ex.P.1642. Ex.P.3 and Ex.P.4 are the Copies of Ex.P.1642. His investigation was confined to identification and verification of borrowers. P.W.4 submitted his Report as per Ex.P.1799. His investigation was relating to quality of advances.
14 [Spl.C.C.92/2004-J]
17. On the basis of those Enquiry Reports, P.W.1- Sri.S.Venugopal, the then Deputy General Manager, Vigilance Department, Local Head Office, SBI, Bengaluru, lodged Complaint as per Ex.P.1 along with its Annexure as per Ex.P.2. P.W.23-Sri.K.Y.Guru Prasad, the then Deputy Superintendent of Police, CBI, ACB, Bengaluru, registered the case on the basis of Ex.P.1 and Ex.P.2 after obtaining necessary consent from the Government of Karnataka as per Ex.P.1787. He submitted FIR as per Ex.P.1785. He collected documents and recorded statements of witnesses. Subsequent investigation was done by P.W.24- Sri.Y.Harikumar, the then Inspector of Police, CBI, ACB, Bengaluru. He also collected some more documents, recorded statements of some more witnesses and sent the documents to GEQD for examination through a Letter- Ex.P.1800. P.W.25-Sri.R.B.Bhosle, Assistant Government Examiner of Questioned Documents, Hyderabad, examined the documents sent by P.W.24 and submitted his Report as per Ex.P.1802. After completing investigation, P.W.24 filed Charge Sheet against the Accused-1 to 5 on 07.04.2004. The Accused-6 and 7 were absconding at that time. After securing the Accused-6 and 7 and after completing investigation, additional Charge Sheet was filed against them also.
POINT-1
18. As observed above, it is not in dispute that the Accused-1 was working as Chief Manager of the Bank and 15 [Spl.C.C.92/2004-J] as such, he was a Public Servant and that he took Voluntary Retirement from service on 31.03.2001. Charge Sheet against him was filed on 07.04.2004 and the then Presiding Officer of this Court took cognizance on 13.04.2004. Thus, it is clear that the Accused-1 retired from service even prior to filing of Charge Sheet and taking of cognizance by this Court against him. The offences alleged to have been committed by the Accused-1 are punishable under Sections 120-B r/w. 420, 468 and 471 of the IPC r/w. Sections 13(2) r/w. 13(1)(d) of the Act and also the substantive offence punishable under Sections 471 and 420 of the IPC and Sections 13(2) r/w. 13(1)(d) of the PC Act.
19. Though Sanction from a Competent Authority is required under Section 19 of the PC Act to take cognizance of an offence punishable under Sections 7, 10, 11, 13 and 15 of the PC Act alleged to have been committed by a Public Servant, such Sanction is not necessary in case of a Public Servant, who is retired from the service. In the case on hand, as the Accused-1 retired from the service long prior to filing of Charge Sheet and taking of cognizance by this Court, Sanction under Section 19 of the PC Act is not required for taking cognizance and to prosecute the Accused-1 for the offence punishable under Sections 13(2) r/w. 13(1)(d) of the PC Act. The Accused-1 has also not disputed this aspect.
16 [Spl.C.C.92/2004-J]
20. The learned Advocate appearing on behalf of the Accused-1 has contended that though Sanction under Section 19 of the PC Act is not required to prosecute a retired Public Servant for the offence punishable under the PC Act, Sanction under Section 197(1) is required to prosecute the Accused-1 for the IPC offences irrespective of the fact that he retired from the service even prior to filing of Charge Sheet. In support of his argument, the learned Advocate appearing on behalf of the Accused-1 has relied upon decision in the case of R.Balakrishna Pillai -Vs- State of Kerala and Another (1996 SCC(1)
478) and a decision of the Hon'ble Supreme Court of India in the case of State of Punjab -Vs- Labh Singh (Criminal Appeal No.2168/2010, which was disposed on 17.12.2014 and ordered as 'Reportable'). In those cases, the Hon'ble Supreme Court of India has held that Sanction under Section 197(1) of the Cr.P.C., is required to prosecute a Public Servant even after his retirement.
21. As per Section 197(1) of the Cr.P.C., without previous Sanction of the Competent Authority, the Court shall not take cognizance of any offence alleged to have been committed by a person, who is or was a Public Servant, while acting or purporting to act in the discharge of his official duty.
(Underlined by this Court.) 17 [Spl.C.C.92/2004-J] The said provision clearly shows that Sanction from a Competent Authority is a must before taking cognizance of any offence alleged to have been committed by a person, who was a Public Servant. Decisions relied upon by the learned Counsel appearing on behalf of the Accused-1 and referred to above, also support the said view. Thus, it is clear that so far as the offences punishable under the IPC are concerned, which are alleged to have been committed by a Public Servant while acting or purporting to act in the discharge of his official duty, Sanction under Section 197(1) of the Cr.P.C., is necessary to take cognizance and prosecute him, irrespective of his retirement from the service.
22. The learned Public Prosecutor has contended that as it was not the official duty of the Accused-1 to commit the offences, while he was discharging his duty as a Public Servant, Sanction under Section 197(1) of the Cr.P.C., is not required to prosecute the Accused-1. In support of her contention, the learned Public Prosecutor has relied upon the decisions in the cases of Prakash Singh Badal & Another -Vs- State of Punjab & Others [Appeal (Civil) No.5636/2006 disposed on 6.12.2006 by the Supreme Court of India] and Nanjappa -Vs- State of Karnataka [Criminal Appeal No.1867/2012 disposed on 24.07.2015 by the Supreme Court of India]. In those cases, it is observed as follows:
18 [Spl.C.C.92/2004-J] "The offence of cheating under Section 429 or for that matter offences relatable to Sections 420, 467, 468, 471 and 120-B can by no stretch of imagination by their very nature be regarded as having been committed by any Public Servant while acting or purporting to act in discharge of official duty. In such cases, official status only provides an opportunity for commission of the offence.
It is the quality of the Act that is important and if it falls within the scope and range of his official duty, the protection contemplated by Section 197 of the Code of Criminal Procedure will be attracted."
In the case of R.Balakrishna Pillai -Vs- State of Kerala and Another (1996 SCC(1) 478), the Hon'ble Supreme Court of India has observed as follows:
".......the words 'any offence alleged to have been committed by him while acting or purporting to act in the discharge of his official duty' employed Section 197(1) of the code, are capable of both a narrow and a wide interpretation but their Lordships pointed out that if they were construed too narrowly, the section will be rendered altogether sterile, for, "it is no part of an official duty to commit an 19 [Spl.C.C.92/2004-J] offence, and never can be". At the same time, if they were too widely construed, they will take under their umbrella every act constituting an offence committed in the course of the same transaction in which the official duty is performed or is purported to be performed. The right approach, it was pointed out, was to see that the meaning of this expression lies between these two extremes. While on the one hand, it is not every offence committed by a public servant while engaged in the performance of his official duty, which is entitled to the protection. Only an act constituting an offence directly or reasonably connected with his official duty will require sanction for prosecution. To put it briefly, it is the quality of the act that is important, and if it falls within the scope of the afore-quoted words, the protection of Section 197 will have to be extended to the concerned public servant."
Thus, it is clear that the act of a Public Servant constituting an offence directly or reasonably connected with his official duty will require Sanction for prosecution under Section 197 of the Cr.P.C.
23. In the case on hand, the Complainant has alleged that the Accused-1 has committed the offence punishable 20 [Spl.C.C.92/2004-J] under Sections 120-B r/w. 420, 468 and 471 of the IPC r/w. Sections 13(2) r/w. 13(1)(d) of the PC Act and also the substantive offence punishable under Sections 471 and 420 of the IPC, while acting or purporting to act in the discharge of his official duty relating to sanction of loans. Allegations made against the Accused-1 show that the alleged illegal acts of the Accused-1 constituting the alleged offences are directly and reasonably related or connected with his official duty as a Chief Manager of the Bank. As such, Sanction under Section 197(1) of the Cr.P.C., from the Competent Authority is required to take cognizance of the said offence against the Accused-1 and to prosecute him irrespective of his retirement from the service. But, such Sanction under Section 197(1) of the Cr.P.C., is not obtained from the Competent Authority to prosecute the Accused-1 for the offence punishable under Sections 120-B r/w. 420, 468 and 471 of the IPC r/w. Sections 13(2) r/w. 13(1)(d) of the PC Act and also the substantive offence punishable under Sections 471 and 420 of the IPC.
24. For all the above reasons, it is held that Sanction is not required to take cognizance and to prosecute the Accused-1 for the offence punishable under Sections 13(2) r/w. 13(1)(d) of the PC Act, but, Sanction under Section 197(1) of the Cr.P.C., is required to take cognizance and to prosecute the Accused-1 for the offence punishable under Sections 120-B r/w. 420, 468 and 471 of the IPC r/w. Sections 13(2) r/w. 13(1)(d) of the PC Act and also the 21 [Spl.C.C.92/2004-J] substantive offence punishable under Sections 471 and 420 of the IPC and that no such Sanction is obtained by the Complainant. Accordingly, Point-1 is answered Partly in the Affirmative.
POINTS-2 TO 6
25. As all these Points are interlinked to each other, in order to avoid repetition of facts, evidence and contentions, it is just, proper and convenient to determine all these Points by considering together. On considering the rival contentions of both the parties and the questions involved in this dispute, it appears just, proper and convenient to determine these Points under the following Heads:
1. Creation of false Salary Certificates & false Undertaking Letters;
2. Using of Forged Documents;
3. Sanction & Disbursal of Loans;
4. Role of the Accused-2, 5, 6 & 7;
5. Loss and Gain;
6. Conclusion.
I. Creation Of False Salary Certificates & False Employment Certificates
26. The learned Advocates appearing on behalf of the Accused have strongly contended that unlike in civil 22 [Spl.C.C.92/2004-J] cases, where proof can be accepted on preponderance of probabilities, the allegations made against the Accused in criminal case have to be proved beyond all reasonable doubts and that as there is no such proof by the Complainant in the case on hand, the Accused cannot be held guilty of the offences charged against them. On the other hand, the learned Public Prosecutor has contended that, as the evidence on record shows proof of the Charges against the Accused beyond all reasonable doubts, the Accused are guilty of the Charges made against them. In order to answer these arguments, it is necessary to have a glance on the concept of 'proof beyond reasonable doubt'.
27. Section 3 of the Indian Evidence Act, 1872 has defined the expressions-'fact', 'facts in issue', 'relevant fact', 'evidence', and 'proved'. The said definitions are as under:
'fact':
(1) Any thing, state of things or relation of things, capable of being perceived by the senses, (2) Any mental condition of which any person is conscious.
'facts in issue':
Any fact from which, either by itself or in connection with other facts, the existence, non-existence, nature or extent of any right, liability or disability, asserted or denied in any suit or other proceeding, necessarily follows".
23 [Spl.C.C.92/2004-J] 'Relevant fact':
One fact is relevant to another when the one is connected with the other in any of the ways referred to in the provisions of this Act relating to relevancy of facts.
'Evidence':
All oral statements permitted or required to be made before Court in relation to matters of fact under enquiry, as also all documents produced for inspection of the Court.
'Proved':
A fact is said to be proved when, after considering the matters before it, the court either believes 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.
The expression-'Disproved' is also defined in a similar way, except that the Courts' belief or probability is that the disputed fact does not exist.
The expression-'not proved' is also defined in the Evidence Act, 1872 as "A fact is said not to be proved, when it is neither proved nor disproved."
28. On careful study of the definitions, referred to above, it reveals that those definitions apply irrespective of whether the case under trial is a Civil Case or a Criminal Case. Those definitions do not expressly or impliedly indicate that the said definitions apply only to civil cases or 24 [Spl.C.C.92/2004-J] they do not apply to the criminal cases. In the case of Chaudhary Razik Ram -Vs- Chaudhary Jaswant Singh, reported in AIR 1975 SC 667, the Hon'ble Supreme Court of India has held as follows:-
"It is true that there is no difference between the general rules of evidence in Civil and Criminal Cases and the definition of 'proved' in Section 3 of the Evidence Act, does not draw a distinction between Civil and Criminal Cases."
As such, on considering the definitions and provisions, referred to above, as well as the law laid down by the Hon'ble Supreme Court of India referred to above, it is clear that the said definitions and provisions are equally applicable to the Civil as well as Criminal Cases.
29. On careful analysis of the definition of expression
-'proved', it is clear that it is in 2 parts. Under the first part, the Court 'believes' that a disputed fact exists. The second part refers to a situation, where the Court considers the existence of the disputed fact "so probable that a prudent person ought, under the circumstances of the particular case, to act upon the supposition that the fact exists." The expression-'so probable' is otherwise termed as 'preponderance of probability'. As such, it is clear that the Court, not being an eyewitness, is required to consider the matters before it and arrive at a conclusion 25 [Spl.C.C.92/2004-J] about existence of the disputed fact, based upon its own 'belief' or 'preponderance of probability' as a prudent person ought to find.
30. In the case of M.G.Agarwal -Vs- State of Maharashtra, reported in AIR 1963 SC 200, the Accused-1 to 3 were Charged for the offence punishable under Sections 120-B, 467 and 471 of the IPC and Section 5(2) of the Prevention of Corruption Act alleging that the Accused conspired to issue and did issue false Income Tax Refund Orders in the names of non-existent persons, forged signatures of those non-existent persons, collected money covered by the Refund Orders and misappropriated the same. The Trial Court acquitted the Accused-1 and 2 of all the Charges and convicted the Accused-3 for the offence punishable under Sections 467 and 471 of the IPC and Section 5(2) of the Prevention of Corruption Act, however, acquitted him of the Charge punishable under Section 120-B of the IPC. But, in the Appeal filed against the said Judgment, the Hon'ble High Court held that the Charge under Section 120-B of the IPC was proved beyond reasonable doubt against all the Accused and convicted them for the said offence. The Hon'ble High Court also convicted the Accused-2 for the offence punishable under Sections 467 and 471 of the IPC and Section 5(2) of the Prevention of Corruption Act. The case of the Complainant was based entirely on circumstantial evidence and those circumstances are as under:
1) established office procedure;
26 [Spl.C.C.92/2004-J]
2) office duties assigned to all the Accused;
3) verifications of various matters, which had to be conducted by the Accused and which were not conducted;
4) statements of the Accused during departmental enquiry;
5) the role played by each of the Accused in relation to the incriminating documents;
6) the falsity of the case set up by the Accused-1 that the Accused-3 destroyed documents, which would have shown that the Refund Orders were true and genuine;
7) the modus operandi adopted by all the Accused as seen from the proved office records;
8) non-existence of the alleged assesses in whose favour refund orders had been issued;
9) though all the alleged assessees being new assessees, absence of any enquiry being conducted by the Accused-1 before passing the Refund Orders;
10) nature of income purported to be disclosed in the alleged Returns;
11) the fact that in respect of Returns for such income, no Refund could be legally allowable under the particular statutory provision;
27 [Spl.C.C.92/2004-J]
12) absence of Assessment Orders in most of the cases; and
13) absence of entries showing advance payment of tax in some instances and absence of cancellation of certain papers required to be made under law etc. When the Accused-1 to 3 approached the Supreme Court, in that case, the Constitution Bench considered the principles of criminal jurisprudence and law of evidence regarding the manner of proof of 'circumstances' or 'basic facts' and the basis on which circumstantial evidence could lead to the finding of guilt of the Accused and in that case, it is held as follows:-
"....it is necessary to distinguish between facts which may be called primary or basic on the one hand and inference of facts to be drawn from them on the other. In regard to the proof of basic or primary facts, the court has to judge the evidence in the ordinary way, and in the appreciation of evidence in respect of basic or of primary facts, there is no scope for the application of the doctrine of benefit of doubt. The Court considers the evidence and decides whether the evidence proves a particular fact or not. When it is held that a certain fact is proved, the question arises whether the fact leads to an
28 [Spl.C.C.92/2004-J] inference of guilt of the Accused person or not and in dealing with this aspect of the problem, the doctrine of benefit of doubt would apply and an inference of guilt can be drawn only if the proved fact is wholly inconsistent with the innocence of the Accused and is consistent only with his guilt. It is in the light of this legal position that the evidence in the present case has to be appreciated."
Similar view is taken in the cases of G.Parshwanath -Vs- State of Karnataka reported in AIR 2010 SC 2914, Kishore Chand -Vs-State of Himachal Pradesh, reported in AIR 1990 SC 2140 and Balu Sonba Shinde
-Vs- State of Maharashtra reported in AIR 2002 SC 3137.
31. In view of the law laid down by the Apex Court, as observed above, it is clear that the requirement of 'proof beyond reasonable doubt' does not apply to proof of 'basic or primary facts' in Criminal Cases or to the defences in Criminal Cases and that those facts can be proved in the ordinary way as explained in Section 3 of the Indian Evidence Act, 1872 and that in the appreciation of evidence in respect of those basic or of primary facts, there is no scope for application of the doctrine of benefit of doubt. However, in order to show that the Accused is 29 [Spl.C.C.92/2004-J] guilty of an offence, those proved facts must lead to an inference of guilt of the Accused beyond reasonable doubt and while drawing such an inference, the doctrine of benefit of doubt would apply. Keeping in view this principle, this case is dealt with.
32. As observed above, it is not in dispute that the Bank sanctioned Personal Loans of Rs.50,000/- each in the name of 668 persons, who are said to be the members of the Accused-5, in pursuance of Ex.P.1788 and Ex.P.1786. Contents of Ex.P.1786 and Ex.P.1788 show that on identifying and thorough screening of the borrowers regarding eligibility for obtaining loans, the Accused-5 had to recommend to the Bank for sanctioning those Personal Loans. Para-10 of Ex.P.1788 clearly shows that documentation in respect of those loans had to be done in the premises of the Accused-5 and that after scrutiny of those documents by the Accused-5, those documents had to be submitted to the Bank by the Accused-5 after due attestation. Contents of Ex.P.1786 and Ex.P.1788 further show that on such recommendation and submission of the documents by the Accused-5, the Bank had to sanction those loans and that after receipt of loan amount, the Society had to disburse the same to the concerned borrowers and that it had to recover the loan amount from the borrowers and to repay the same to the Bank. It is not disputed that on such recommendation only, the Bank sanctioned all those Personal Loans relating to this case.
30 [Spl.C.C.92/2004-J]
33. According to the Complainant, the Accused-3, 4, Smt.M.Meena Kumari and Sri.Vasuki have created false Salary Certificates and Employment Certificates in the names of 208 borrowers, among 668 borrowers, for the purpose of obtaining Personal Loans. The Accused-3 and 4 have denied the said contention of the Complainant. As such, now, it has to be seen as to whether there is such creation of false Salary Certificates and false Employment Certificates.
34. As observed above, P.W.2 and P.W.4 conducted internal investigation and submitted Reports as per Ex.P.1642 and Ex.P.1799. The Complainant has strongly relied upon those Reports. The learned Counsel appearing on behalf of the Accused-1 has contended that the said Enquiry Reports cannot be relied upon and that in fact, they cannot be even referred to in this case as the Accused had no opportunity to Cross-examine the witnesses before P.W.2 and P.W.4. In support of his contention, the learned Counsel appearing on behalf of the Accused-1 has relied upon the Judgments of the Hon'ble High Court of Karnataka in the cases of K.Gunavelu & Others -Vs- CBI, ACB, Bengaluru (Criminal Appeal No.1698/2006 disposed on 09.02.2012) and CBI -Vs- Alexander (Criminal Appeal No.1855/2003 disposed on 27.06.2011). In those cases, by relying upon the decisions of the Hon'ble Supreme Court of India in the cases of P.Jayappan -Vs- S.K.Perumal (AIR 1984 SC 1693), Khatri -Vs- State of Bihar (AIR 1981 SC 31 [Spl.C.C.92/2004-J] 1068), Kishan Singh -Vs- Gurpal Singh & Others [(2010)3 SCC (Criminal) 1091] and Anil Behari Ghosh -Vs- Smt.Latika Bala Desai (AIR 1955 SC
566), it is held that the Criminal Court has to judge the case independently on the evidence placed before it and that Report in the Enquiry Proceedings and the Statements made by the witnesses in the Enquiry cannot be referred to as the Accused will have no opportunity to Cross-examine those witnesses. In the case on hand also, as there was no opportunity to the Accused to Cross-examine the witnesses referred to by P.W.2 and P.W.4 in their Reports, before giving those Reports, it is not permissible to refer the Enquiry Reports. As such, the Complainant cannot rely upon on those Enquiry Reports. Hence, Ex.P.1642 and Ex.P.1799 are of no assistance to the Complainant. However, as the Accused had an opportunity before this Court to Cross- examine P.W.2 and P.W.4 in this case, there is no impediment to appreciate their evidence.
1. Documents Relating To Good Luck Higher Primary School
35. It is not in dispute that Smt.Dharmaraj Sunitha, Smt.Ganganna Gowramma, Sri.Shankar Venkatesh, Smt.Somanna Kamalamma, Smt.Thimmaiah Prema, Sri.T.S.Mahendra Kumar, Sri.T.S.Arun Kumar, Smt.Mahadeva Jayalakshmi, Smt.Ponnuraj Sashikala and Sri.Kannan Babu are some of the borrowers among the borrowers relating to this case. Ex.P.5 to Ex.P.84 and 32 [Spl.C.C.92/2004-J] Ex.P.1801 are the loan documents relating to those borrowers.
36. According to the Complainant, though all those 10 borrowers were not working as Teachers or in any capacity in Good Luck Higher Primary School (Kannada & Tamil), Cholurpalyam, Bengaluru, and they were not earning any salary in that School, as a Head Mistress of that School, the Accused-4 has issued false Salary Certificates and Undertaking Letters in their names. P.W.2 has deposed the said fact in his evidence. Ex.P.13, Ex.P.1801, Ex.P.29, Ex.P.37, Ex.P.46, Ex.P.53, Ex.P.62, Ex.P.70, Ex.P.77 and Ex.P.84 are the Salary Certificates and Ex.P.9, Ex.P.18, Ex.P.25, Ex.P.42, Ex.P.51, Ex.P.58, Ex.P.67, Ex.P.75 and Ex.P.82 are the Letter of Undertakings of those borrowers respectively.
37. P.W.16-Smt.Yeshodha Bopanna was the Block Education Officer of South Range-II during the year 2004. She has deposed that as per the request of CBI to furnish the details of teaching staff of Apollo Higher Primary School, Good Luck Higher Primary School and Modern Higher Primary School, she deputed Inspector and that the Inspector visited those Schools and submitted Report as per Ex.P.1780 along with Reply Letter of Management of those Schools. P.W.18-Sri.Narayanappa was working as Education Co-ordinator in the Office of the Block Education Officer, South Range-II, Bengaluru, during the year 2004.
33 [Spl.C.C.92/2004-J] He has deposed that as per the instructions of P.W.16, he visited Good Luck Higher Primary School, Apollo Higher Primary School and Modern Kannada Higher Primary School and that he found that all those Schools were unaided Primary Schools and that he submitted Report as per Ex.P.1780 along with a Letter given by Good Luck Education Society.
38. Subject to the objection of the learned Counsel appearing on behalf of the Accused-1, on the point of admissibility, Ex.P.1780 was marked. According to the learned Counsel appearing on behalf of the Accused-1, as Ex.P.1780 consists of the Letters given by the witnesses to the Investigating Officer during investigation, they are hit by Section 162 of the Cr.P.C., and that, as such, they are inadmissible in evidence. In this regard, he has relied upon a decision in the case of Kali Ram -Vs- State of Himachal Pradesh [(1973) 2 SC 808], wherein it is stated that Letter, containing narration of facts relating to the crime addressed to Police Officer during the course of investigation, is hit by Section 162 of the Cr.P.C., and that as such, it is inadmissible in evidence.
39. Ex.P.1780 consists of a Letter dated 13.02.2004 issued by P.W.24 addressed to P.W.16 seeking details of 3 Schools, Reply dated 19.03.2004 given by P.W.16 to that Letter, Report dated 18.03.2004 submitted by P.W.18 and also a Letter dated 08.03.2004 given by the Accused-4. As per the Reply of P.W.16 and the Report of P.W.18, 34 [Spl.C.C.92/2004-J] contained in Ex.P.1780, in spite of repeated demands, Management of those 3 Schools did not furnish any documents about teaching staff, however, Good Luck Education Society gave its Reply dated 18.03.2004 stating that during repair of the School building, documents were destroyed. As the Letter of P.W.16 contained in Ex.P.1780 shows narration of fact to the Investigating Officer during the course of investigation, which falls within the purview of Statement given to the Investigating Officer, it is not admissible in evidence. However, the Report of P.W.18 and the Letter of the Accused-4 do not fall within the purview of Statement given to the Investigating Officer during investigation. As such, there is no impediment to rely upon those documents.
40. Report of P.W.18 shows that the Accused-4 has given a Reply dated 18.03.2004 to him on behalf of the Good Luck Education Society. The said Letter of the Accused-4 shows that the Accused-4 is the Secretary and Correspondent of Good Luck Education Society, Cholurpalyam, Magadi Road, Bengaluru-23 and that the said Society is running Good Luck (Kannada and Tamil) Higher Primary School, Apollo Higher Primary School, Apollo Convent and Modern Kannada & Tamil Higher Primary School and that she was unable to furnish documents relating to teaching staff of those schools during 1999-2000, as those documents were destroyed during repair of her Society building. P.W.2 and P.W.24 35 [Spl.C.C.92/2004-J] have also deposed that the Accused-4 is running Good Luck Higher Primary School, Modern Kannada Higher Primary School and Apollo Higher Primary School under Good Luck Education Society. P.W.2 has also deposed that the Accused-4 is the Head Mistress of Good Luck Higher Primary School. Thus, it is clear that Good Luck Education Society is running Good Luck (Kannada and Tamil) Higher Primary School, Apollo Higher Primary School, Apollo Convent and Modern Kannada & Tamil Higher Primary School at Bengaluru and that the Accused-4 is the Secretary and Correspondent of that Education Society apart from the Head Mistress of Good Luck (Kannada & Tamil) Higher Primary School. The Accused-1 to 7 have not disputed the said status of the Accused-4.
41. Ex.P.1790 is the Specimen Signature Card consisting of the Admitted Signatures of the Accused-4, marked as A.1 to A.4. Ex.P.1793 is a document consisting of Specimen Signatures of the Accused-4, marked as S.34 to S.39. P.W.24 has collected these Ex.P.1790 and Ex.P.1793 during investigation. He referred those documents and Ex.P.13, Ex.P.1801, Ex.P.29, Ex.P.37, Ex.P.46, Ex.P.53, Ex.P.62, Ex.P.70 and Ex.P.77, which consists of the Disputed Signatures of the Accused-4 marked as Q.225, Q.228, Q.231, Q.234, Q.237, Q.240, Q.243, Q.246 and Q.249 respectively to P.W.25 for examination. P.W.25 has deposed that he examined all those documents containing admitted, specimen and 36 [Spl.C.C.92/2004-J] questioned signatures with the help of scientific instruments and that he found that, the person, who wrote those admitted and specimen signatures, also wrote the questioned signatures. He has given the same Opinion in Ex.P.1802 also. Ex.P.1802(b) consists of Reasons given by P.W.25 for the said Opinion. In Para-5 of that document, P.W.25 has given detailed Reasons for his Opinion. The said Reasons show detail analysis of the Admitted Signatures, Specimen Signatures and Questioned Signatures of the Accused-4 and on considering various similarities, P.W.25 has given his Opinion that all those signatures are made by one and the same person. By exercising powers under Section 73 of the Indian Evidence Act, 1872, this Court also compared those admitted, specimen and questioned signatures with the help of a powerful magnifying lens, with reference to the Reasons given by P.W.25. On such comparison, this Court noticed various similarities in size, construction, alignment, slant and style of letters, space in between the letters, pen lifts, speed and movement of those letters and also the line quality of the writings of all those admitted, specimen and questioned signatures of the Accused-4 as found by P.W.25, which indicates that all those signatures are made by one and the same person, who is none other than the Accused-4. This observation fortifies the Opinion given by P.W.25. P.W.25 has stood well in the test of Cross- examination and there is no reason to disbelieve his evidence, which is well supported by detailed Reasons 37 [Spl.C.C.92/2004-J] given by him. The said evidence shows that the Accused-4 has issued Ex.P.13, Ex.P.1801, Ex.P.29, Ex.P.37, Ex.P.46, Ex.P.53, Ex.P.62, Ex.P.70 and Ex.P.77. On similar comparison of signatures found in Ex.P.9, Ex.P.18, Ex.P.25, Ex.P.51, Ex.P.58, Ex.P.67 and Ex.P.75 with the admitted and specimen signatures of the Accused-4, this Court found that the signatures found in Ex.P.9, Ex.P.18, Ex.P.25, Ex.P.51, Ex.P.58, Ex.P.67 and Ex.P.75 are also that of the Accused-4, which shows that the Accused-4 has issued those Undertaking Letters. It is not at all the contention of the Accused-3 and 4 that the Accused-4 did not issue those Salary Certificates and Undertaking Letters. Thus, it is clear that the Accused-4 has issued Salary Certificates-Ex.P.13, Ex.P.1801, Ex.P.29, Ex.P.37, Ex.P.46, Ex.P.53, Ex.P.62, Ex.P.70 and Ex.P.77 and Undertaking Letters-Ex.P.9, Ex.P.18, Ex.P.25, Ex.P.51, Ex.P.58, Ex.P.67 and Ex.P.75.
42. However, Ex.P.42 does not contain the signature of the Accused-4. On the other hand, that document indicates that as a Secretary of the Accused-5, the Accused-3 has issued that Undertaking Letter in favour of Smt.Thimmaiah Prema and other 13 persons. Ex.P.1789 is a List of borrowers and their EMIs prepared by the Accused-3 on behalf of the Accused-5 consisting of his Admitted Signatures, marked as A.19, A.22, A.24, A.27 and A.30. Ex.P.1792 is a document consisting of Specimen Signatures of the Accused-3, marked as S.13 to S.22.
38 [Spl.C.C.92/2004-J] P.W.24 has collected these Ex.P.1789 and Ex.P.1792 during investigation. There are other Admitted Signatures of the Accused-3 in the Court records. By exercising powers under Section 73 of the Indian Evidence Act, 1872, this Court compared those admitted and specimen signatures with the signature contained in Ex.P.42 with the help of a powerful magnifying lens. On such comparison, this Court noticed various similarities in size, construction, alignment, slant and style of letters, space in between the letters, pen lifts, speed and movement of those letters and also the line quality of the writings of all those admitted, specimen and also the signature in Ex.P.42, which indicates that all those signatures are made by one and the same person, who is none other than the Accused-3. Thus, it is clear that Ex.P.42 is issued by the Accused-3 and not by the Accused-4.
43. Borrowers-Sri.T.S.Arun Kumar and Sri.T.S.Mahendra Kumar have given evidence in this case as P.W.8 and P.W.9 respectively. Ex.P.58-Letter of Undertaking and Ex.P.62-Salary Certificate are the documents relating to P.W.8, wherein it is stated that P.W.8 was working as Assistant Master since 8 years in Good Luck Higher Primary School. Ex.P.51-Letter of Undertaking and Ex.P.53-Salary Certificate are the documents relating to P.W.9, wherein it is stated that P.W.9 was working as Assistant Master since 18 years in Good Luck Higher Primary School.
39 [Spl.C.C.92/2004-J]
44. P.W.8 is the brother of P.W.9. P.W.8 has deposed that he is running a provision store. P.W.9 has deposed that he is working in that provision store. These witnesses have further deposed that at the instance of the Accused-3, they became the members of the Accused-5 for loan purpose, their signatures were taken to the documents in the Office of the Accused-5 and that except Photo, Voter ID and Ration Card, they did not produce any documents for that purpose. They have further deposed that they have not even passed SSLC and that they never worked as Assistant Masters in Good Luck Higher Primary School.
45. In the Cross-examination, P.W.8 has stated that he signed Loan Application in the Society itself and that he has given Voter ID and 2 or 3 photos along with the Application to become member of the Society. He has also stated that, before the Investigating Officer, he has stated that the Accused-3 gave Loan Application of the Bank and that he has made entries in the relevant column of that Application. He has denied that he furnished all the documents along with Loan Application to the Bank and that to avoid repayment, he is deposing falsely. This witness has stood well in the test of Cross-examination. There is no reason to disbelieve his evidence. As per the said evidence of P.W.8, he is doing business, he has not even passed SSLC and that he did not work as Assistant Master in Good Luck Higher Primary School as stated in 40 [Spl.C.C.92/2004-J] Ex.P.58 and Ex.P.62. As such, question of drawing salary by P.W.8, as shown in those documents, does not arise. This evidence fortifies the evidence of P.W.2 that Ex.P.58 and Ex.P.62 are false and fabricated documents. But, the Accused-1 to 7 have denied the said evidence of P.W.8, which indicates that it is their contention that P.W.8 is working in the School and drawing salary as shown in Ex.P.58 and Ex.P.62. The Accused-4 is the competent person to produce documents relating to work and salary of P.W.8. As P.W.8 is a member of the Accused-5 and as the Accused-3 is the Secretary of the Accused-5, he is also a competent person to produce documents relating to work and salary of P.W.8. Though the Accused-2 to 5 have produced some documents as per Ex.D.1 to Ex.D.7 and Ex.D.13 to Ex.D.92 on their behalf consisting of some Loan Applications, Receipts, correspondences etc., relating to some other borrowers, they did not produce any such documents relating to P.W.8. There is no material on behalf of the Accused-3 and 4, much less on behalf of the Accused-1, 2, 5 to 7 to rebut and disbelieve the evidence of P.W.8. Though it is stated by the Accused-4 in the Reply attached to Ex.P.1780 that the documents pertaining to teaching staff were destroyed during repair of the building, there is nothing to substantiate the said contention. Hence, it is not fit to accept the bare denial of the Accused-1 to 7. On considering the undisturbed evidence of P.W.8 and in the absence of any material on behalf of the Accused-1 to 7 to the contrary, it has to be inferred 41 [Spl.C.C.92/2004-J] that P.W.8 did not work as Assistant Master and that he was not getting salary from that job as shown in Ex.P.58 and Ex.P.62. Hence, it is clear that Ex.P.58 and Ex.P.62 are false documents.
46. Ex.P.53 is a Xerox Copy. It shows that contents of that document, except the name of P.W.9, are in one handwriting and the name of P.W.9 is in the different handwriting. In the Cross-examination of P.W.9, the Accused-2 to 5 have taken a contention that Salary Certificate-Ex.P.53 was issued in the name of some other person and that by fabricating the same in the name of P.W.9, P.W.9 has given that document to the Bank. But, P.W.9 has categorically denied the said contention. This contention of the Accused-2 to 5 itself shows admission on their part that Ex.P.53 is a false and fabricated document. It is not explained or shown or not even stated by the Accused-2 to 5 as to, in whose name Ex.P.53 was originally issued and as to how it went to the hands of P.W.9. In the absence of such explanation and supporting material, it is not possible to accept the bare contention of the Accused-2 to 5 that Ex.P.53 was not issued in the name of P.W.9.
47. It is pertinent to observe here that in their Examination under Section 313 of the Cr.P.C., the Accused-1 to 7 have denied the evidence of P.W.9 that he was not working in Good Luck Higher Primary School as 42 [Spl.C.C.92/2004-J] Assistant Master. This denial shows admission on their part that P.W.9 was working in that School, which is inconsistent with their contention while Cross-examining P.W.9. As observed above, the Accused-3 and 4 are competent persons to produce documents or material relating to teaching staff of that School. But, they have not produced any such material. In the absence of such material and in view of the undisturbed evidence of P.W.9 that he was not working in that School, it is not possible to accept the bare denial of the Accused-1 to 7. On considering the evidence available on record, it is clear that P.W.9 was also not working in Good Luck Higher Primary School and that he was not drawing salary as shown in Salary Certificate. Hence, it is clear that Ex.P.51 and Ex.P.53 are false documents.
48. In the Cross-examination, P.W.9 has stated as "In the Court premises I saw my 161 statement and given evidence." On the basis of this answer, the learned Counsel appearing on behalf of the Accused-1 has contended that as P.W.9 used his Statement recorded under Section 161 of the Cr.P.C., during trial, the evidence of P.W.9 has to be discarded. In support of his arguments, he has relied upon the decisions in the cases of Zahiruddin -Vs- Emperor (AIR (34) 1947 Privy Council 75), Ranbir Yadav -Vs- State of Bihar (AIR 1995 Supreme Court 1219), Ramvilas and Others
-Vs- State of Madhya Pradesh (1985 Criminal Law 43 [Spl.C.C.92/2004-J] Jounal 1773). It is true that as per Section 162 of the Cr.P.C., Statement given by a person to a Police Officer in the course of investigation shall not be used for any purpose at any enquiry or trial.
49. In the first case, while giving evidence in the Court and in the witness box itself, the witness had made substantial and material use of his Statement and the trial Court had made a note about this fact. On considering the said note and as the witness used the Statement in the witness box itself during trial, it is held by the Privy Council that such an use of Statement contrary to Section 162(1) of the Cr.P.C., renders the evidence of that witness incompetent. The said legal position is not disputed by the Complainant. In the second case, when the decision in the case of Zahiruddin, referred to above, was cited by the Appellant's Counsel with reference to an FIR on the ground that the said document was referred to by the witness to refresh his memory in the witness box, the Hon'ble Supreme Court of India held that the said decision was of no assistance to the Appellant's Counsel to substantiate his arguments. Facts of the second case are altogether different from those of the case on hand. In the third case, earlier Statement given by the witness was read out to him before entering into the witness box and he was asked to give the same Statement in the Court. Under such circumstance, Madhya Pradesh High Court has observed that there was violation of Section 162 of the 44 [Spl.C.C.92/2004-J] Cr.P.C., by relying upon the decision in the case of Zahiruddin, referred to above. As observed above, in Zahiruddin's case, the witness used his previous Statement in the witness box itself. In the case on hand, P.W.9 did not use or refer his previous Statement while giving evidence and no one asked him to depose in the court as per that Statement. Hence, seeing the Statement in the Court premises does not fall within the purview of using of the Statement at the trial. As such, facts and circumstances of all the decisions relied upon by the Counsel for the Accused-1 are different from those of the case on hand. Hence, they are of no assistance to substantiate his arguments.
50. According to the Complainant, other 8 borrowers were not traced by P.W.2 and P.W.24. The evidence of P.W.2 and P.W.24 also shows the said fact. As such, their evidence is not available.
51. Ex.P.42 is an Undertaking Letter given by the Accused-5 stating that Smt.Thimmaiah Prema and other 13 persons were the employees of the Accused-5 and that monthly loan installment would be recovered from their salaries by the Accused-5 and that the said installment would be remitted to the Bank by the Accused-5. As observed above, the Accused-3 has issued Ex.P.42. Ex.P.46-Salary Certificate issued by the Accused-4 relating to Smt.Thimmaiah Prema indicates that Smt.Thimmaiah Prema was working in Good Luck Higher Primary School as 45 [Spl.C.C.92/2004-J] Assistant Mistress since 17 years. Even in Ex.P.38-Loan Application also, the said fact is stated. These 2 documents negative the contents of Ex.P.42 that Smt.Thimmaiah Prema was an employee of the Accused-5 at that time. As such, it is clear that either Ex.P.42 or Ex.P.46 or both are false documents. As observed above, the Accused-3 and 4 are competent persons to produce documents or material relating to teaching staff of that School. As the Accused-3 is the Secretary of the Accused-5, he is the proper person to produce document relating to employees of the Accused-5. But, they have not produced any such material. In the absence of such material and in view of the discrepancy in between the contents of Ex.P.42 and Ex.P.46, it has to be inferred that Smt.Thimmaiah Prema was neither an employee of the Accused-5 nor the Assistant Mistress of Good Luck Higher Primary School and that both Ex.P.42 and Ex.P.46 are false documents.
52. Similarly, Smt.Dharmaraj Sunitha, Smt.Ganganna Gowramma, Sri.Shankar Venkatesh, Smt.Somanna Kamalamma, Smt.Mahadeva Jayalakshmi and Smt.Ponnuraj Sashikala were said to be working in Good Luck Higher Primary School as Assistant Masters since 16 to 18 years as per Ex.P.9 & Ex.P.13, Ex.P.18 & Ex.P.1801, Ex.P.25 & Ex.P.29, Ex.P.37, Ex.P.67 & Ex.P.70 and Ex.P.75 & Ex.P.77. As observed above, the Accused-3 and 4 are competent persons to produce documents or material relating to teaching staff of that School. As it is stated in those documents that those persons were working since 46 [Spl.C.C.92/2004-J] 16-18 years, it is not at all difficult to the Accused-3 and 4 to produce relevant documents to substantiate the contents of all those Undertaking Letters and Salary Certificates. But, they have not produced any such material. In the absence of such material, it has to be inferred that all those persons were not working as employees of Good Luck Higher Primary School, they were not drawing salary as shown in Salary Certificates and that as such, Ex.P.9 & Ex.P.13, Ex.P.18 & Ex.P.1801, Ex.P.25 & Ex.P.29, Ex.P.37, Ex.P.67 & Ex.P.70 and Ex.P.75 & Ex.P.77 are false documents.
53. Ex.P.82-Letter of Undertaking and Ex.P.84- Salary Certificate are pertaining to Sri.Kannan Babu. These 2 documents do not contain the signatures of the Accused-3 and 4. In fact, Ex.P.82 does not contain signature of any person except the seal of Head Mistress, Good Luck Nursery School, Cholurpalyam, Bengaluru. Ex.P.84 appears to have been issued by Smt.N.Lakshmi as Head Mistress of that Good Luck Nursery School as per contents of that document. As such, apparently these 2 documents are not issued by the Accused-3 and 4. Smt.N.Lakshmi has not come forward to give evidence. As Sri.Kannan Babu is not traced, his evidence is also not available. There is nothing to show that the Accused-4 is related to Good Luck Nursery School in any manner. However, Sri.Kannan Babu is shown as the member of the Accused-5 and Ex.P.78-Loan Application shows his 47 [Spl.C.C.92/2004-J] personal reference to the Accused-5. As such, the Accused-5 must have documents relating to the work of Sri.Kannan Babu. As the Accused-3 is the competent person to represent the Accused-5, he has to explain about those documents. But, no such explanation has come from the Accused-3 or the Accused-5. In the absence of such an explanation and as Sri.Kannan Babu is not traced, it has to be inferred that Sri.Kannan Babu was not working in the Nursery School and that he was not drawing salary as shown in Ex.P.82 and Ex.P.84. As such, it is clear that Ex.P.82 and Ex.P.84 are also false documents.
54. As observed above, the evidence on record shows that the Accused-4 has issued Salary Certificates- Ex.P.13, Ex.P.1801, Ex.P.29, Ex.P.37, Ex.P.46, Ex.P.53, Ex.P.62, Ex.P.70 and Ex.P.77 and Undertaking Letters- Ex.P.9, Ex.P.18, Ex.P.25, Ex.P.51, Ex.P.58, Ex.P.67 and Ex.P.75 and the Accused-3 has issued Ex.P.42. As observed above, the evidence of P.W.8 and P.W.9 show that they did not produce any document, except their Photos, Voter ID and Ration Card to obtain the loans. As observed above, contents of Ex.P.1788 show that documentation of the loans had to be made in the premises of the Accused-5 only and the evidence of P.W.8 and 9 show that they signed on the Loan Applications and other documents in the Office of the Accused-5. As observed above, after identification and screening of the borrowers by the Accused-5 and on the recommendation and submission of the documents by the Accused-5 to the 48 [Spl.C.C.92/2004-J] Bank, the loans were granted to the borrowers. As observed above, the Accused-3 being the Secretary of the Accused-5 was authorised to operate the Account of the Accused-5 with the Bank. The correspondence made by the Accused-5 shows that on behalf of the Accused-5, the Accused-3 has taken lead role in the loan transactions of all the borrowers. The evidence of P.W.23 shows that the Accused-3 is the authorised signatory of the Accused-5. The Accused-4 is the wife of the Accused-3. On considering all these facts, it is impossible to rule out the role of the Accused-3 in getting the documents from the Accused-4 to suit his convenience. Hence, it has to be inferred that the Accused-3 and 4 have created Salary Certificates-Ex.P.13, Ex.P.1801, Ex.P.29, Ex.P.37, Ex.P.46, Ex.P.53, Ex.P.62, Ex.P.70 and Ex.P.77 and Undertaking Letters-Ex.P.9, Ex.P.18, Ex.P.25, Ex.P.42, Ex.P.51, Ex.P.58, Ex.P.67 and Ex.P.75, which are false documents, for the purpose of availing loan from the Bank. Though Ex.P.82 and Ex.P.84 were not actually issued by the Accused-3 and 4, on considering the contents of Ex.P.1788, reference made about the Accused-5 in Ex.P.78, status and role of the Accused-3 in the affairs of the Accused-5 and also loan transactions, it has to be inferred that the Accused-3 has a role in creating Ex.P.82 and Ex.P.84. In fact, issue of Ex.P.42 by the Accused-3 though Smt.Thimmaiah Prema was not an employee of the Accused-5 clearly fortifies the role of the Accused-3 in creating all those Salary Certificates and Undertaking Letters. As all these 49 [Spl.C.C.92/2004-J] documents are produced in the Bank for the purpose of availing loan and as the Bank granted loan on the basis of these documents, it is clear that all these documents are created for the purpose of obtaining loan from the Bank.
2. Documents Relating To Bapuji Higher Primary School
55. Smt.Krishna Kasthuri, P.W.10-Sri.Mehaboob Sab Aiyaz Pasha and P.W.11-Sri.Imtiaz Pasha are also the borrowers among the borrowers relating to this case. Ex.P.255 to Ex.P.262, Ex.P.372 to Ex.P.379 and Ex.P.738 to Ex.P.745 are the loan documents relating to those borrowers. According to the Complainant, though all these 3 borrowers were not working as Teachers or in any capacity in Bapuji Higher Primary School (Tamil & Kannada), Bapuji Nagara, Bengaluru and though they were not receiving any salary from that School, the Accused-3 and 4 have created false Salary Certificates and false Undertaking Letters in the name of those 3 persons for the purpose of availing loan from the Bank.
56. P.W.2 has deposed that Smt.Krishna Kasthuri is a housewife, P.W.10 is working in BBMP as an Electrician and P.W.11 is not doing any work and that all these 3 persons were never worked as Teachers in Bapuji Higher Primary School. According to P.W.2, Ex.P.262, Ex.P.379 and Ex.P.744 are those false Salary Certificates and Ex.P.260, Ex.P.377 and Ex.P.742 are those false 50 [Spl.C.C.92/2004-J] Undertaking Letters issued in the name of Smt.Krishna Kasthuri, P.W.10 and P.W.11 respectively. In Ex.P.379 and Ex.P.744, it is stated that P.W.10 and P.W.11 were working in Bapuji Higher Primary School since 10 years and 9 years respectively. Ex.P.260 and Ex.P.742 indicate that Head Master of Bapuji Primary School issued those documents undertaking to deduct loan installments from the salary of Sri.Chinnaiah, Smt.K.Kasthuri, P.W.10 and P.W.11 and to remit that amount to the Accused-5. Ex.P.377 is a Xerox Copy of 1st Page of Ex.P.260 and Ex.P.742. It is an incomplete document.
57. P.W.10 is the brother of P.W.11. P.W.10 has deposed that since 1986, he is working as Electrician in BBMP, Bengaluru. P.W.11 has deposed that he is working as a private Electrician. These witnesses have further deposed that at the instance of the Accused-3, they became the members of the Accused-5 for availing loan and that except Photo, they did not give any documents for that loan purpose. They have further deposed that they never worked as Teachers in Bapuji Higher Primary School and that they did not furnish Salary Certificates-Ex.P.379 and Ex.P.744. P.W.10 has stated that the Accused-3 collected loan installments from him. P.W.11 has stated that the Accused-3 has availed loan in his name. This evidence of P.W.10 and P.W.11 corroborates the evidence of P.W.2. All these witnesses have stood well in the test of 51 [Spl.C.C.92/2004-J] Cross-examination and there is no reason to disbelieve their evidence.
58. Ex.P.262-Salary Certificate does not show that it was issued in the name of Smt.Krishna Kasthuri. On the other hand, it is stated in that document that one Smt.M.Kasthuri is working as Assistant Mistress at Bapuji Higher Primary School, Bapuji Nagara, Bengaluru. Said Smt.M.Kasthuri or Smt.Krishna Kasthuri has not come forward to give evidence in this case. In the Cross- examination, P.W.2 has stated that Sri.T.Chinnaiah is the Head Master of Bapuji Higher Primary School. When the Counsel for the Accused-2 to 5 confronted Ex.D.2, which consists of 7 Photos said to be those of Head Master of Bapuji Higher Primary School and other Schools, P.W.2 identified one of those Photos as that of the Head Master of Bapuji Higher Primary School. P.W.2 has stated that Smt.Krishna Kasthuri is the wife of said Sri.T.Chinnaiah. But, Sri.T.Chinnaiah has also not come forward to give evidence in this case. Though said Smt.Kasthuri is one of the members of the Accused-5, the Accused-5 more particularly the Accused-3, who is the Secretary of the Accused-5, has not produced any documents much less documents relating to profession of said Smt.Kasthuri.
59. However, the Accused-2 to 5 have produced Ex.D.3 and Ex.D.4, which consist of Applications of P.W.10 and P.W.11 to become members of the Accused-5, their 52 [Spl.C.C.92/2004-J] Salary Certificates, Receipts and Copies of Letter dated 25.06.2002 said to have been addressed to the Head Master of Bapuji (Tamil and Kannada) Higher Primary School. In the Cross-examination, P.W.10 and P.W.11 have admitted their Photos in the said Applications. Forms of Salary Certificates available in Ex.D.3 and Ex.D.4 are printed by the Accused-5 and those Salary Certificates indicate that those Certificates were prepared and signed by the Head Master of Bapuji Higher Primary School. Applications show that the contents relating to occupation, salary and service details of P.W.10 and P.W.11 are in the handwriting of one person and other contents of those Applications are in the handwriting of some other person. On careful scrutiny of the Salary Certificates and contents of Applications relating to service particulars, it is clear that the person, who has filled the contents of service particulars in the Applications, has prepared and signed the Salary Certificates also. This circumstance throws a serious doubt about the genuineness of the Salary Certificates available in Ex.D.3 and Ex.D.4. So also, on comparison of contents of Ex.P.260, Ex.P.262, Ex.P.379, Ex.P.742 & Ex.P.744 and the contents of Ex.D.3 and Ex.D.4, it is also clear that the person, who filled the service particulars in Ex.D.3 and Ex.D.4 and also who prepared Salary Certificates available in Ex.D.3 and Ex.D.4, has prepared Ex.P.260, Ex.P.262, Ex.P.379, Ex.P.742 and Ex.P.744. Particulars, except names, shown in the Salary Certificates available in Ex.D.3 and Ex.D.4 53 [Spl.C.C.92/2004-J] are altogether different from those of Ex.P.379 and Ex.P.744 though it appears that all those documents are prepared at the same time. This circumstance also throws a serious doubt about the genuineness of these Salary Certificates. In the Letters dated 25.06.2002 available in Ex.D.3 and Ex.D.4, the Accused-3 himself has admitted that P.W.10, P.W.11, Smt.Kasthuri and Sri.Kannan were not working in Bapuji (Kannada and Tamil) Higher Primary School and that Salary Certificates and Undertaking Letters issued in their names are bogus documents. This admission and the doubtful circumstances, referred to above, fortify the evidence of P.W.2, P.W.10 and P.W.11, which supports the contention of the Complainant that Ex.P.260, Ex.P.262, Ex.P.377, Ex.P.379, Ex.P.742 and Ex.P.744 are false documents.
60. As observed above, the evidence of P.W.10 and P.W.11 shows that at the instance of the Accused-3, they approached for loan and that except their Photos, they did not produce any documents much less Salary Certificates for that purpose. As observed above, the Accused-3 being the Secretary of the Accused-5 has taken lead role in the transactions of the borrowers with the Bank. As observed above, the person, who prepared and issued Ex.P.260, Ex.P.262, Ex.P.377, Ex.P.379, Ex.P.742 and Ex.P.744, also prepared Salary Certificates available in Ex.D.3 and Ex.D.4 and filled up service particulars in the Applications available in Ex.D.3 and Ex.D.4. In those Application Forms, 54 [Spl.C.C.92/2004-J] separate column is not shown for filling up service particulars of the employee personally by the Head Master or the Salary Disbursing Officer. The Accused-3 is the proper person to explain as to why the Head Master has filled up those particulars in the Application Form. But, there is no acceptable explanation from him in this regard. As observed above, Salary Certificates available in Ex.D.3 and Ex.D.4 are printed on behalf of the Accused-5, which shows the involvement of the persons on behalf of the Accused-5 in preparing all these documents. As the Accused-3 being the Secretary of the Accused-5 has taken a lead role in the loan transactions as an authorised person on behalf of the Accused-5 and as at his instance only, P.W.10 and P.W.11 applied for loan and as there is involvement of the Accused-3 in creating false documents relating to Good Luck Higher Primary School, the one and only inference that could be drawn under these circumstances is that the Accused-3 has created Ex.P.260, Ex.P.262, Ex.P.377, Ex.P.379, Ex.P.742 and Ex.P.744 for availing loan from the Bank.
61. The learned Advocate appearing on behalf of the Accused-2 to 5 has contended that as Smt.Kasthuri and Sri.T.Chinnaiah, who are the material witnesses relating to Salary Certificates, are not examined by the Complainant, an adverse inference has to be drawn against the Complainant and that on this ground alone, it has to be held that Salary Certificates and Undertaking Letters are 55 [Spl.C.C.92/2004-J] not false documents. Though the Complainant did not examine Smt.Kasthuri and Sri.T.Chinnaiah, as there is sufficient other evidence to show that those Salary Certificates and Undertaking Letters are false documents and that the Accused-3 has created those documents, it is not proper to discard that evidence only on the ground that Smt.Kasthuri and Sri.T.Chinnaiah are not examined. Hence, it is not fit to accept the arguments of the learned Counsel for the Accused-2 to 5.
62. On considering all the facts, circumstances and the evidence available on record, as observed above, it is clear that the Accused-3 has created Ex.P.260, Ex.P.262, Ex.P.377, Ex.P.379, Ex.P.742 and Ex.P.744, which are false documents, for the purpose of availing loan facility from the Bank. However, there is nothing on behalf of the Complainant to show that the Accused-4 is also involved in creating those false documents. Hence, it cannot be said that the Accused-4 also created those false documents.
3. Documents Relating To Kasthuriba Kannada Higher Primary School
63. P.W.12-Sri.Krishnappa is also one of the borrowers relating to this case. Ex.P.770 to Ex.P.778 are the loan documents relating to him. According to the Complainant, though P.W.12 was not working as Head Master in Kasthuriba Kannada Higher Primary School, Magadi Road, Kempapura Agrahara, Bengaluru and though 56 [Spl.C.C.92/2004-J] the said School was not at all in existence, the Accused-3 and 4 have created false Undertaking Letter as per Ex.P.774 and Salary Certificate as per Ex.P.777 in the name of P.W.12 for the purpose of availing loan from the Bank. Ex.P.774 and Ex.P.777 indicate that Secretary of Kasthuribha Shishu Kutira Higher Primary School, K.P.Agrahara, Mariyappana Palya, Bengaluru has issued those 2 documents on 04.07.1999 stating that P.W.12 was working as Head Master of Kasthuriba Kannada Higher Primary School, Magadi Road, Bengaluru.
64. P.W.2 has deposed that the said Schools mentioned in Ex.P.774 and Ex.P.777 are not at all in existence. He has further deposed that P.W.12 was working in St.Anthony's Primary School, he was not a Teacher and that he has shown his avocation in the Loan Application as Teacher. In the Loan Application-Ex.P.770, it is shown that P.W.12 was working as Head Master of Kasthuribha Kannada Higher Primary School.
65. P.W.12 has deposed that he was working as Assistant Master in Kasthuribha Kannada Primary School during 1996-98 and that thereafter, he worked as Assistant Master in St.Rita Higher Primary School. This evidence of P.W.12 shows that he was not working as a Teacher much less as Head Master in Kasthuribha Kannada Higher Primary School during 1999 as it is his Statement that he worked as Assistant Master in that School during 57 [Spl.C.C.92/2004-J] 1996-98. This evidence itself shows that particulars given in Ex.P.774 and Ex.P.777 are false, which supports the evidence of P.W.2 that P.W.12 was not working in Kasthuriba Kannada Higher Primary School. This evidence fortifies the contention of the Complainant that Ex.P.774 and Ex.P.777 are false documents.
66. Though P.W.12 has stated that the Accused-3 collected his Photo, 10 Cheques, Salary Certificate etc., and obtained his signatures on the loan documents, he has not stated that the Accused-3 and 4 created Ex.P.774 and Ex.P.777. On the other hand, he has stated in his Cross- examination that he obtained Salary Certificate from his School. This Statement indicates that P.W.12 himself has obtained those documents from the School. But, no one has come forward from Kasthuribha Kannada Higher Primary School to speak about Ex.P.774 and Ex.P.777. It is not forthcoming as to how the Secretary of Kasthuribha Shishu Kutira Kannada Higher Primary School issued Ex.P.774 and Ex.P.777 on behalf of Kasthuribha Kannada Higher Primary School. Though P.W.12 has stated that details furnished in the Salary Certificate are correct, as observed above, his own Statement shows that he was not working as Teacher much less as Head Master in that School in the year 1999, which negatives his Statement that contents of Salary Certificate are correct. On considering the evidence of P.W.12 coupled with the contents of Ex.P.770, Ex.P.774 and Ex.P.777, it is clear that P.W.12 is not disclosing true state of affairs and that 58 [Spl.C.C.92/2004-J] he is suppressing the real facts. However, the evidence of P.W.12 does not indicate the involvement of the Accused-3 and 4 in creation of Ex.P.774 and Ex.P.777. Even the evidence of P.W.2 does not pinpoint the Accused-3 and 4 in creation of those documents. There is no other evidence to show that the Accused-3 and 4 created Ex.P.774 and Ex.P.777.
67. On considering all the facts, circumstances and the evidence on record, referred to above, though it is clear that Ex.P.774 and Ex.P.777 are false documents, there is no evidence to show that the Accused-3 and 4 created the same. As such, the Accused-3 and 4 cannot be held responsible for creation of Ex.P.774 and Ex.P.777.
4. Documents Relating To Srinidhi Kannada Primary School
68. Smt.B.V.Lakshmi and P.W.13-Sri.B.V.Nandagopal are also the borrowers among the borrowers relating to this case. Ex.P.494 to Ex.P.501 and Ex.P.730 to Ex.P.737 are the loan documents relating to those borrowers. According to the Complainant, though these 2 borrowers were not working as Teachers or in any capacity in Srinidhi Kannada Primary School, Padarayanapura, Bengaluru and though such a School was not in existence, the Accused-3 and 4 have created false Undertaking Letters as per Ex.P.499 & Ex.P.734 and false Salary Certificates as per Ex.P.501 and Ex.P.736 in the names of Smt.B.V.Lakshmi 59 [Spl.C.C.92/2004-J] and P.W.13 for the purpose of availing loan from the Bank. In those documents, it is stated that Smt.B.V.Lakshmi was working as Assistant Teacher and that P.W.13 was working as Head Master of that School in the year 1999. Ex.P.499, Ex.P.501 and Ex.P.734 indicate that those documents have been issued by the Head Master of that School and Ex.P.736 indicates that Secretary of Om Srinidhi Education Society, Padarayanapura, Bengaluru has issued that document.
69. P.W.2 has deposed that the said Schools mentioned in Ex.P.499, Ex.P.501, Ex.P.734 and Ex.P.736 are not at all in existence, Smt.B.V.Lakshmi and P.W.13 were not working as Teachers in that School and that those 2 persons were the children of Head Master of Kamala Neharu Higher Primary School, Goripalya, Bengaluru.
70. Smt.B.V.Lakshmi is the sister of P.W.13. She has not come forward to give evidence. In his evidence, P.W.13 has stated that in the year 1999, he was working as Assistant Teacher in Srinidhi Kannada Education Society and that thereafter, he worked in Kaveri Ashrama Education Society. But, it is not his evidence that he was working in Srinidhi Kannada Primary School, Padarayanapura as a Teacher much less as Head Master as shown in Ex.P.734 and Ex.P.736. It is also not his evidence that his sister-Smt.B.V.Lakshmi was working as Teacher in that 60 [Spl.C.C.92/2004-J] School. On comparison of his admitted signatures available in his deposition before this Court as well as in Loan Application-Ex.P.730 with those signatures of the Head Master available in Ex.P.499, Ex.P.501 and Ex.P.734, it is clear that P.W.13 has issued Ex.P.499, Ex.P.501 and Ex.P.734 as an Head Master of that School. As it is not at all the evidence of P.W.13 that he was working as the Head Master of that School, it is clear that Ex.P.499, Ex.P.501, Ex.P.734 and Ex.P.736 are false documents. This evidence corroborates the evidence of P.W.2, which fortifies the contention of the Complainant.
71. P.W.13 has stated that he personally obtained Salary Certificate from the School and furnished to the Accused-5. This Statement of P.W.13 indicates that he himself has obtained his Salary Certificate from the School. But, no one has come forward from the said School to support the version of P.W.13. Though P.W.13 has stated that details furnished in the Salary Certificate are correct, his own Statement shows that he was not working as Teacher or Head Master in Srinidhi Kannada Primary School, which negatives his Statement that contents of Salary Certificate are correct. There is no explanation from P.W.13 as to why he issued Ex.P.499, Ex.P.501, Ex.P.734 as the Head Master of that School, if at all he was not working as such. On considering the evidence of P.W.13 coupled with the contents of Ex.P.499, Ex.P.501, Ex.P.734 and Ex.P.736, it is clear that P.W.13 is not disclosing true 61 [Spl.C.C.92/2004-J] state of affairs and that he is suppressing the real facts. However, it does not indicate the involvement of the Accused-3 and 4 in creation of Ex.P.499, Ex.P.501, Ex.P.734 and Ex.P.736. Even the evidence of P.W.2 does not pinpoint the Accused-3 and 4 in creation of those documents. On the other hand, on considering all the facts, circumstances and the evidence on record, referred to above, though it is clear that Ex.P.499, Ex.P.501, Ex.P.734 and Ex.P.736 are false documents, there is no evidence to show that the Accused-3 and 4 created the same. As such, the Accused-3 and 4 cannot be held responsible for creation of those documents.
5. Documents Relating To Sai Swamy Higher Primary School
72. Smt.Sundaraj Das Stella, Sri.T.Kumar, P.W.21- Smt.Mary Clara, Sri.Mehaboob Pasha, P.W.14-Sri.P.D.Robert Williams and Sri.R.Manikandan are also the borrowers among the borrowers relating to this case. Ex.P.134 to Ex.P.148, Ex.P.437 to Ex.P.445, Ex.P.534 to 542, Ex.P.690 to Ex.P.696 and Ex.P.1210 to Ex.P.1216 are the loan documents relating to those borrowers. According to the Complainant, though all these borrowers were not working as Teachers or in any capacity in Sai Swamy Higher Primary School, Manjunatha Nagara, Choluru Palya, Magadi Road, Bengaluru, the Accused-3 and 4 have created false Undertaking Letters as per Ex.P.138, Ex.P.146, Ex.P.442, Ex.P.539, Ex.P.695 & Ex.P.1214 and 62 [Spl.C.C.92/2004-J] false Salary Certificates as per Ex.P.141, Ex.P.445, Ex.P.542 and Ex.P.1215 in the names of those borrowers for the purpose of availing loan from the Bank.
73. P.W.2 has deposed that all those 6 borrowers were not working in the said Sai Swamy Higher Primary School. He has further deposed that Sri.T.Kumar and Sri.Mehaboob Pasha were working in Railways and P.W.14 was working as a Mailman in Gandhinagara Post Office at Bengaluru. He has further deposed that P.W.21 was working in Bapuji Higher Primary School, Magadi Road, Bengaluru.
74. In Ex.P.141, Ex.P.445, Ex.P.542 and Ex.P.1215, it is stated that Smt.Sundaraj Das Stella, Smt.Mary Clara- P.W.21, Sri.Mehaboob Pasha and Sri.R.Manikandan were working as Assistant Mistress, Head Mistress, P.E.T.Master and Assistant Master respectively in Sai Swamy Higher Primary School. Salary Certificates of Sri.T.Kumar and Sri.Robert Williams are not available. In Ex.P.146, Ex.P.539 and Ex.P.1214, it is stated that Sri.T.Kumar, Sri.Mehaboob Pasha and Sri.R.Manikandan were the employees of Sai Swamy Higher Primary School and that loan installments would be deducted from their salaries to credit to the Accused-5. As per Ex.P.141, Ex.P.146, Ex.P.445, Ex.P.539, Ex.P.540, Ex.1214 and Ex.P.1215, those documents are issued by Smt.P.Mary Clara i.e., P.W.21 in the capacity of Head Mistress of that School.
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75. In Ex.P.138, Ex.P.442 and Ex.P.695, it is stated that Smt.Sundaraj Das Stella, Smt.P.Mary Clara, i.e., P.W.21 and P.W.14-Sri.Robert Williams were the employees of the Society i.e., the Accused-5 and that loan installments would be deducted from their salaries to credit to the Accused-5. As per these documents, the Accused-3 has issued those Undertaking Letters. As per loan documents, other than Ex.P.138, Ex.P.442 and Ex.P.695, these P.W.14, P.W.21 and Smt.Sundaraj Das Stella are working in Sai Swamy Higher Primary School. As such, they cannot be the employees of the Accused-5. P.W.14 and P.W.21 have also not stated that they are or were the employees of the Accused-5. On the other hand, it is the evidence of P.W.14 that he is working in Postal Department as a Mailman. P.W.21 has deposed that since 1999, she is working as Teacher in Bapuji School, Magadi Road. Hence, it is clear that Ex.P.138, Ex.P.442 and Ex.P.695 are false documents and that the Accused-3 has created those documents. This evidence fortifies the evidence of P.W.2.
76. It is not the evidence of P.W.21 that she worked as Teacher much less as Head Master of Sai Swamy Higher Primary School. As Ex.P.141, Ex.P.146, Ex.P.445, Ex.P.539, Ex.P.542, Ex.P.1214 and Ex.P.1215 were issued in the name of P.W.21 as Head Master of Sai Swamy Higher Primary School, it is clear that all those documents are false documents. So also, P.W.14 has not stated that he is or was working in Sai Swamy Higher Primary School 64 [Spl.C.C.92/2004-J] in any capacity much less as Head Master as shown in Ex.P.690-Loan Application. This evidence also fortifies the evidence of P.W.2.
77. P.W.14 has deposed that the Accused-3 told him that he would advance loan to the Central Government employees, then he went to the house of the Accused-3 and gave 25 blank Cheques and his Photo and that thereafter, the Accused-3 took his signature on blank forms. This evidence shows that at the instance of the Accused-3, P.W.14 approached for loan.
78. P.W.21 has deposed that she met the Accused-3 and the Accused-6 in the Society, she furnished her Photo and address to the Society and that her signatures were obtained on one form. In her Cross-examination, she states that through her friend-Smt.Pushpa, she arranged documents and obtained loan. She has stated that she has given all the supporting documents. This evidence shows that P.W.21 herself arranged the documents through her friend and gave them to the Accused-3. As such, it is clear that P.W.21 has created Ex.P.445. However, though she was not a Head Master of Sai Swamy Higher Primary School or employee of the Accused-5, as observed above, the Accused-3 has issued Letter of Undertaking as per Ex.P.442 to the effect that P.W.21 was an employee of the Accused-5. As such, it has to be inferred that the Accused-3 and P.W.21 have created Ex.P.442 and Ex.P.445.
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79. Similarly, though P.W.14 was not an employee of the Accused-5, the Accused-3 has issued Letter of Undertaking as per Ex.P.695 on behalf of the Accused-5. As observed above, P.W.14 approached for loan at the instance of the Accused-3. Though the evidence of Smt.Sundaraj Das Stella, Sri.T.Kumar, Sri.Mehaboob Pasha and Sri.R.Manikandan is not available, the evidence on record shows that the documents pertaining to those persons are false documents. Some of those documents are issued by the Accused-3 and some of those documents are issued by P.W.21. On considering the status and lead role of the Accused-3 in respect of loan transactions of all the borrowers of this case and the fact that P.W.21 has obtained loan at the instance of the Accused-3 by producing false documents, the one and only inference that could be drawn under the circumstances is that the Accused-3 and P.W.21 have created all these false documents. However, there is nothing to show that the Accused-4 has played any role in creation of those documents.
6. Documents Relating To Vishweshwaraiah Kannada Higher Primary School
80. P.W.19-Smt.V.Sunandamma is the sister of P.W.22-Sri.V.Raghavendra. These 2 persons are also the borrowers among the borrowers relating to this case. Ex.P.1596 to Ex.P.1603 and Ex.P.1680 to Ex.P.1625 are the loan documents relating to those borrowers. According 66 [Spl.C.C.92/2004-J] to the Complainant, though these 2 borrowers were not working as Teachers or in any capacity in Vishweshwaraiah Kannada Higher Primary School, Tata Silk Farm, Basavanagudi, Bengaluru, the Accused-3 and 4 have created false Undertaking Letters as per Ex.P.1600 & Ex.P.1622 and false Salary Certificates as per Ex.P.1601 and Ex.P.1623 in the names of P.W.19 and P.W.22 for the purpose of availing loan from the Bank. In those documents, it is stated that P.W.19 and P.W.22 were working as Assistant Teachers of that School in the year 1999. Those documents indicate that those documents have been issued by Sri.Palanethra, Head Master of that School.
81. P.W.2 has deposed that P.W.19 and P.W.22 were not working as Teachers in that School. P.W.19 has stated that she is running St.Ginn's Convent and that she is working as Teacher in that School. She has also stated that previously, she worked as Teacher in Mother Teresa School for 10 months. However, she has not stated that she was working as Teacher in Vishweshwaraiah Kannada Higher Primary School. P.W.22 has also stated that P.W.19 was working as Teacher in St.Ginn's School. He has further stated that he was working as Priest of Anjaneya Swamy Temple, Harohalli and that he never worked as Teacher in any School. This evidence of P.W.19 and P.W.22 corroborate the evidence of P.W.2 that P.W.19 and P.W.22 did not work as Teachers of Vishweshwaraiah Kannada 67 [Spl.C.C.92/2004-J] Higher Primary School. These 3 witnesses have stood well in the test of Cross-examination and there is no reason to disbelieve their evidence. As per this evidence, P.W.19 and P.W.22 did not work as Teachers of Vishweshwaraiah Kannada Higher Primary School as shown in Ex.P.1600, Ex.P.1601, Ex.P.1622 and Ex.P.1623. As such, it is clear that these 4 documents are false documents. This evidence fortifies the contention of the Complainant.
82. In their evidence, P.W.19 and P.W.22 have stated that the Accused-3 and 4 came to the School of P.W.19 for canvassing about providing loans, they collected Photos, they obtained signatures on the blank papers and that they sanctioned loans. They have further stated that they did not give any documents to the Accused-3 and 4. In the Cross-examination, P.W.19 states that Sri.Palanethra is her husband and that he is also working as Teacher. She has admitted that her husband also availed loan from the Society along with her and P.W.22. She admits that Ex.D.6 is the File maintained in the Society pertaining to those loans. Ex.D.6 contains Receipts, Membership Applications of P.W.19 and P.W.22, Loan Application and Salary Certificate of husband of P.W.19, Letter of Undertaking and unserved Notices issued by the Society to P.W.19 and P.W.22. P.W.19 has stated that as per the say of her husband, she has signed on all the loan documents. P.W.22 has stated that through his sister i.e., P.W.19, he availed that loan. These 2 witnesses 68 [Spl.C.C.92/2004-J] have stood well in the test of Cross-examination so far as approach made by the Accused-3 and 4 for advancing loan, non-furnishing of documents, except Photos, by these witnesses to the Accused-3 and 4 and obtaining signatures on the blank forms by the Accused-3 and 4 for loan purpose. As such, it is clear that the Accused-3 and 4 have played a major role in arranging loan to these 2 witnesses just by taking Photos and obtaining signatures on blank forms.
83. Though it is the evidence of P.W.19 that her husband was a Teacher, it is not her evidence that he was the Head Master of Vishweshwaraiah Kannada Higher Primary School, as shown in Ex.P.1600, Ex.P.1601, Ex.P.1622 and Ex.P.1623. The husband of P.W.19 has not come forward to give evidence. In the Cross-examination, P.W.19 has stated that Notices issued by the Society were received by her husband by signing on them. She has also admitted that she and her husband filled all the details in the Society Membership Form. As observed above, as per P.W.19, she has signed on all the documents as per the say of her husband and as per P.W.22, P.W.19 arranged for the loan and through her, he obtained loan. On considering all these facts, circumstances, status of the Accused-3 and 4, their role in creating false documents as observed earlier, status of P.W.19 and her husband, the one and only inference that could be drawn under the circumstances is that all these Accused-3 and 4, P.W.19 69 [Spl.C.C.92/2004-J] and her husband have created Ex.P.1600, Ex.P.1601, Ex.P.1622 and Ex.P.1623 for loan purpose.
7. Documents Relating To Navachethana Higher Primary School
84. Smt.A.J.Mary Alphonsa, Smt.Kalaivani, Smt.M.Dhanalakshmi, P.W.20-Sri.M.Parthasarathy, Smt.N.Rangalakshmi, Sri.K.Ramesh, Sri.G.Somesh, Smt.C.Arogya Mary Clara, Smt.P.Kalavathy, Smt.A.Mary and Smt.A.Udaya Kumari are also the borrowers among the borrowers relating to this case. Ex.P.321 to Ex.P.329, Ex.P.420 to Ex.P.428, Ex.P.673 to 680, Ex.P.697 to Ex.P.704, Ex.P.762 to Ex.P.769, Ex.P.787 to Ex.P.794, Ex.P.795 to Ex.P.802, Ex.P.845 to Ex.P.852, Ex.P.853 to Ex.P.860, Ex.P.1487 to Ex.P.1493 and Ex.P.1494 to Ex.P.1500 are the loan documents relating to those borrowers. According to the Complainant, though all these borrowers were not working as Teachers or in any capacity in Navachethana Higher Primary School, R.T.Nagara, Bengaluru and though such a School was not in existence, the Accused-3 and 4 have created false Undertaking Letters as per Ex.P.326, Ex.P.425, Ex.P.678, Ex.P.702, Ex.P.766, Ex.P.791, Ex.P.799, Ex.P.849, Ex.P.857, Ex.P.1491 & Ex.P.1498 and false Salary Certificates as per Ex.P.329, Ex.P.428, Ex.P.680, Ex.P.704, Ex.P.768, Ex.P.793, Ex.P.802, Ex.P.851, Ex.P.859, Ex.P.1492 and Ex.P.1499 in the names of those borrowers for the purpose of availing loan from the Bank.
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85. P.W.2 has deposed that all those 11 borrowers were not working in the said Navachethana Higher Primary School and that the said School is not at all in existence. Except the evidence of P.W.20, there is no evidence of other borrowers. In his evidence, P.W.20 has deposed that he has studied up to 7th Standard, he has not worked as Teacher at Navachethana Higher Primary School at any time and that even he has not seen the said School. In the Cross-examination, he has deposed that he is working in Prema Ganga Agarabathi Works at Kempapura Agrahara. This evidence of P.W.20 fortifies the evidence of P.W.2.
86. In Ex.P.329, Ex.P.428, Ex.P.680, Ex.P.704, Ex.P.768, Ex.P.793, Ex.P.802, Ex.P.851, Ex.P.859, Ex.P.1492 and Ex.P.1499, it is stated that Smt.A.J.Mary Alphonsa, Smt.Kalaivani, P.W.20, Smt.N.Rangalakshmi, Sri.K.Ramesh and Smt.A.Udaya Kumari were working as Assistant Mistress/Assistant Masters, Smt.A.Mary was working as Head Mistress and Smt.M.Dhanalakshmi, Sri.G.Somesh, Smt.C.Arogya Mary Clara and Smt.P.Kalavathy were the permanent employees of Navachethana Higher Primary School. In Ex.P.678, Ex.P.799, Ex.P.849, Ex.P.857, it is stated that Smt.M.Dhanalakshmi, Sri.G.Somesh, Smt.Arogya Mary and Smt.Kalavathy were the employees of Navachethana Higher Primary School and that loan installments would be deducted from their salaries to credit to the Accused-5. As 71 [Spl.C.C.92/2004-J] per those documents and also Ex.P.329, Ex.P.428, Ex.P.680, Ex.P.704, Ex.P.768, Ex.793, Ex.P.802, Ex.P.851, Ex.P.859, Ex.P.1492 and Ex.P.1499, all those documents are issued by Smt.A.Mary in the capacity of Head Mistress of that School.
87. In Ex.P.326, Ex.P.425, Ex.P.702, Ex.P.766, Ex.P.791, Ex.P.1491 and Ex.P.1498, it is stated that Smt.A.J.Mary Alphonsa, Smt.Kalaivani, P.W.20, Smt.N.Rangalakshmi, Sri.K.Ramesh, Smt.A.Mary and Smt.A.Udaya Kumari were the employees of the Society i.e., the Accused-5 and that loan installments would be deducted from their salaries to credit to the Accused-5. As per these documents, the Accused-3 has issued those Undertaking Letters. But, as per loan documents other than Ex.P.326, Ex.P.425, Ex.P.702, Ex.P.766, Ex.P.791, Ex.P.1491 and Ex.P.1498, these Smt.A.J.Mary Alphonsa, Smt.Kalaivani, P.W.20, Smt.N.Rangalakshmi, Sri.K.Ramesh, Smt.A.Mary and Smt.A.Udaya Kumari are working in Navachethana Higher Primary School. As such, they cannot be the employees of the Accused-5. In fact, the evidence of P.W.20 shows that he is neither an employee of the Accused-5 nor Navachethana Higher Primary School. Hence, it is clear that Ex.P.326, Ex.P.425, Ex.P.702, Ex.P.766, Ex.P.791, Ex.P.1491 and Ex.P.1498 are false documents and that the Accused-3 has created those documents. This evidence fortifies the evidence of P.W.2.
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88. Ex.P.329, Ex.P.428, Ex.P.680, Ex.P.704, Ex.P.768, Ex.793, Ex.P.802, Ex.P.851, Ex.P.859, Ex.P.1492, Ex.P.678, Ex.P.799, Ex.P.849, Ex.P.857 and Ex.P.1499 are said to have been issued by Smt.A.Mary in the capacity of Head Mistress of Navachethana Higher Primary School. In his evidence, P.W.2 has deposed that Smt.A.Mary was working in Post Office, Shivanna Chetty Garden, Bengaluru and that she has shown her avocation as Teacher in the Loan Application. Smt.A.Mary has not come forward to rebut the said evidence of P.W.2. As per this evidence, Smt.A.Mary was not at all working as Head Mistress of Navachethana Higher Primary School. As observed above, the Accused-3 has issued Ex.P.1491 stating that Smt.A.Mary was the employee of the Accused-5. This circumstance also shows that Smt.A.Mary was not an Head Mistress of Navachethana Higher Primary School. There is no reason at all to disbelieve this evidence available on record. As Smt.A.Mary was not an Head Mistress, it is clear that all the Salary Certificates and Undertaking Letters said to have been issued by her are false documents.
89. P.W.20 has deposed that he approached the Accused-3 and 4 for loan purpose, the Accused-3 and 4 advanced loan of Rs.45,000/-, he did not give any documents to them except 2-3 Photos and that his signatures were obtained on the documents in the house of the Accused-3. In his Cross-examination, he has stated that the Accused-3 and 4 were daily passing in front of his 73 [Spl.C.C.92/2004-J] shop and they were talking with him. He has denied that he obtained Salary Certificate from the School to whom he was supplying Agarabathi and that he himself gave it to the Bank. He has stated that he does not know as to who filled all the contents of the documents. He has denied that he himself has given supporting documents and that due to animosity against the Accused-3 and 4, he is deposing falsely. This witness has stood well in the test of Cross-examination and there is no reason to disbelieve his evidence. As per this evidence of P.W.20, the Accused-3 and 4 gave loan to him by taking 2-3 Photos and that except those Photos, he did not give any documents to the Accused-3 and 4. As observed above, documentation of the loans had to be made in the premises of the Accused-5 only and after identification and screening of the borrowers by the Accused-5 and on the recommendation and submission of documents by the Accused-5 to the Bank, the loans were granted to the borrowers. As observed above, the Accused-3 is an authorised representative of the Accused-5 and he has taken a lead role in respect of all these loan transactions. Though all these borrowers are shown as the employees of Navachethana Higher Primary School, the Accused-3 has issued Undertaking Letters showing some of those borrowers particularly Smt.A.Mary, who is said to be the Head Mistress of that School and who said to have issued Salary Certificates and Undertaking Letters to other borrowers, as the employees of the Accused-5. As observed above, the Accused-4 is the wife 74 [Spl.C.C.92/2004-J] of the Accused-3 and the Accused-3 and 4 have created false documents in respect of other borrowers. On considering all these facts, circumstances and evidence and in the absence of any acceptable explanation to the contrary on behalf of the Accused-3 and 4, it has to be inferred that all these Salary Certificates and Undertaking Letters are created by the Accused-3 and 4 with the assistance of Smt.A.Mary.
8. Documents Relating To Government Tamil Primary School
90. Smt.DVS Rao Usha is also one of the borrowers relating to this case. Ex.P.754 to Ex.P.761 are the loan documents relating to her. According to the Complainant, though Smt.DVS Rao Usha was not working as Teacher or in any capacity in Government Tamil Primary School, Gopalapuram, Magadi Road, Bengaluru, the Accused-3 and 4 have created false Undertaking Letter as per Ex.P.758 and Salary Certificate as per Ex.P.760 in the name of Smt.DVS Rao Usha for the purpose of availing loan from the Bank.
91. P.W.2 has deposed that Smt.DVS Rao Usha was not working as Teacher in that Government Tamil Primary School, but, she was working as a Clerk in Ambujamma Girls' High School. Ex.P.758 indicates that the Accused-3 has issued that document as a Secretary of the Accused-5. In that document, it is stated that Smt.DVS Rao Usha, Smt.K.N.Umadevi and others were the employees of the 75 [Spl.C.C.92/2004-J] Accused-5 and that loan installments of all those persons would be deducted from their salaries to credit the same to the Accused-5. As such, as per Ex.P.758, Smt.DVS Rao Usha and Smt.K.N.Umadevi were the employees of the Accused-5. But, in Ex.P.760, it is stated that Smt.DVS Rao Usha was an employee of Government Tamil Primary School, Gopalapuram and that Smt.K.N.Umadevi, Head Mistress of that School has issued that document. Even in Ex.P.754-Loan Application, those 2 persons are shown as the employees of Government Tamil Primary School. As these 2 persons were the employees of the Accused-5 at the same time as per Ex.P.758, they cannot be the employees of Government Tamil Primary School at the same time as per Ex.P.760. As such, Smt.K.N.Umadevi could not have issued Ex.P.760. Hence, it is clear that Ex.P.760 is a false document. It is not the contention of the Accused-3 and 5 that those 2 persons were the employees of the Accused-5. As such, it is clear that Ex.P.758 is also a false document.
92. As observed above, documentation of the loans had to be made in the premises of the Accused-5 only and after identification and screening of the borrowers by the Accused-5 and on the recommendation and submission of documents by the Accused-5 to the Bank, the loans were granted to the borrowers. As observed above, the Accused-3 is an authorised representative of the Accused- 5 and he has taken a lead role in respect of all these loan 76 [Spl.C.C.92/2004-J] transactions. Though Smt.DVS Rao Usha and Smt.K.N.Umadevi are shown as the employees of Government Tamil Primary School in the Loan Application as well as in the Salary Certificate and though it is not the contention of the Accused-3 and 5 that those 2 persons were the employees of the Accused-5, the Accused-3 has issued Undertaking Letter showing those 2 persons particularly Smt.K.N.Umadevi, who is said to be the Head Mistress of that School and who said to have issued Salary Certificate to Smt.DVS Rao Usha, as the employee of the Accused-5. As observed above, the Accused-3 has created false documents in respect of other borrowers. On considering all these facts, circumstances and evidence and in the absence of any acceptable explanation to the contrary on behalf of the Accused-3, it has to be inferred that all these Salary Certificates and Undertaking Letters are created by the Accused-3 with the assistance of Smt.DVS Rao Usha and Smt.K.N.Umadevi. However, there is nothing on record to suspect the role of the Accused-4 in creation of those documents.
9. Documents Relating To Annapurna High School
93. Sri.P.David, Smt.Samuel Esther, Sri.Umashankar, Sri.N.Prabhu Das and Smt.Sunandamma Rangaswamy are also the borrowers among the borrowers relating to this case. Ex.P.958 to Ex.P.965, Ex.P.1042 to Ex.P.1064 and Ex.P.1464 to Ex.P.1471 are the loan documents relating to them. According to the Complainant, though Annapurna 77 [Spl.C.C.92/2004-J] High School, Lakshmipura Cross, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters as per Ex.P.962, Ex.P.1046, Ex.P.1054, Ex.P.1062, and Ex.P.1468 in the names of those borrowers and Salary Certificates as per Ex.P.964 and Ex.P.1471 in the names of Sri.P.David and Smt.Sunandamma Rangaswamy for the purpose of availing loan from the Bank.
94. P.W.2 has deposed that Annapurna High School is not in existence and that all the 5 borrowers were not working as Teachers in that School. Ex.P.1046, Ex.P.1054 and Ex.P.1062 indicate that the Accused-3 has issued those documents as a Secretary of the Accused-5. In those documents, it is stated that Smt.Samuel Esther, Sri.Umashankar and Sri.N.Prabhu Das were the employees of the Accused-5 and that loan installments of all those persons would be deducted from their salaries to credit the same to the Accused-5. As such, as per Ex.P.1046, Ex.P.1054 and Ex.P.1062, Smt.Samuel Esther, Sri.Umashankar and Sri.N.Prabhu Das were the employees of the Accused-5. But, in the Loan Applications-Ex.P.1042, Ex.P.1050 and Ex.P.1058, it is stated that those 3 persons were the Teachers in Annapurna High School. As these 3 persons were the employees of Annapurna High School as per Loan Applications, they cannot be the employees of the Accused-5 at the same time as per Ex.P.1046, Ex.P.1054 78 [Spl.C.C.92/2004-J] and Ex.P.1062. It is not the contention of the Accused-3 and 5 that those 3 persons were the employees of the Accused-5. As such, it is clear that Ex.P.1046, Ex.P.1054 and Ex.P.1062 are false documents.
95. As observed above, documentation of the loans had to be made in the premises of the Accused-5 only and after identification and screening of the borrowers by the Accused-5 and on the recommendation and submission of documents by the Accused-5 to the Bank, the loans were granted to the borrowers. As observed above, the Accused-3 is an authorised representative of the Accused- 5 and he has taken a lead role in respect of all these loan transactions. Though Smt.Samuel Esther, Sri.Umashankar and Sri.N.Prabhu Das are shown as the employees of Annapurna High School in the Loan Applications and though it is not the contention of the Accused-3 and 5 that those 3 persons were the employees of the Accused-5, the Accused-3 has issued Undertaking Letters showing those 3 persons, as the employees of the Accused-5. As observed above, the Accused-3 has created false documents in respect of other borrowers. On considering all these facts, circumstances and evidence and in the absence of any acceptable explanation to the contrary on behalf of the Accused-3, it has to be inferred that Undertaking Letters- Ex.P.1046, Ex.P.1054 and Ex.P.1062 are created by the Accused-3. However, there is nothing on record to suspect the role of the Accused-4 in creation of those documents.
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96. Ex.P.962, Ex.P.964, Ex.P.1468 and Ex.P.1471 indicate that those documents have been issued by the Head Master of Annapurna High School stating that Sri.P.David and Smt.Sunandamma Rangaswamy are the employees of that School. Though it is stated by P.W.2 that such a School is not in existence, there is no supporting evidence to substantiate the same. Officers from the Education Department, more specifically BEO or Inspector are the proper persons to speak about the existence or non-existence of the School and also about the employees of that School. P.W.16 and 18 are such Officers from the Education Department. But, it is not their evidence that Annapurna High School is not in existence and that those 2 borrowers, referred to above, are not working in that School. P.W.24, being the Investigating Officer of this case, is the proper person to collect evidence about existence or non-existence of the School and also about the employees of that School. But, he has not collected and produced any such evidence. Absolutely, there is no evidence to show that Annapurna High School is not in existence and that Sri.P.David and Smt.Sunandamma Rangaswamy are not working in that School and that Salary Certificates and Undertaking Letters relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and false 80 [Spl.C.C.92/2004-J] Undertaking Letters relating to Sri.P.David and Smt.Sunandamma Rangaswamy.
10. Documents Relating To Apollo High School 97 Smt.D.Sendamani, Smt.Surekha, Sri.S.Velayudhan, Smt.Vijayamma, Smt.Sharadamma, Sri.Rajanna, Sri.J.Bhaskar, Smt.M.Shivalingamma and Smt.Venkatamma are also the borrowers among the borrowers relating to this case. Ex.P.263 to Ex.P.287, Ex.P.305 to Ex.P.320, Ex.P.330 to 354 and Ex.P.469 to Ex.P.476 are the loan documents relating to those borrowers. According to the Complainant, though all these borrowers were not working as Teachers or in any capacity in Apollo High School, Manjunatha Nagara, Bengaluru and though such a School was not in existence, the Accused-3 and 4 and Sri.D.Vasuki have created false Undertaking Letters and false Salary Certificates as per Ex.P.268, Ex.P.271, Ex.P.277, Ex.P.279, Ex.P.285, Ex.P.287, Ex.P.310, Ex.P.312, Ex.P.318, Ex.P.220, Ex.P.336, Ex.P.342, Ex.P.345, Ex.P.351, Ex.P.354, Ex.P.474 and Ex.P.476 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Sri.D.Vasuki, Head Master of Apollo High School has issued those documents.
98. P.W.2 has deposed that such a School was not in existence. He has not stated that the Accused-3, 4 and Sri.D.Vasuki have created false Undertaking Letters and false Salary Certificates. No material is produced to show 81 [Spl.C.C.92/2004-J] that Apollo High School was not in existence and that the borrowers, referred to above, were not working in that School. P.W.16 and 18, who are the Officers from the Education Department, have not stated that Apollo High School is not in existence and that 9 borrowers, referred to above, are not working in that School. P.W.24, being the Investigating Officer of this case, has not collected and produced any such evidence to substantiate the evidence of P.W.2. Absolutely, there is no evidence to show that Apollo High School was not in existence, 9 borrowers relating to this case are not working and that Salary Certificates and Undertaking Letters are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. As such, it is difficult to believe the bare Statement of P.W.2 that Apollo High School is not in existence.
99. The loan documents, referred to above, indicate that except Smt.G.Venkatamma, other borrowers were working as Assistant Teachers of Apollo High School. It is a matter of common knowledge that minimum qualification for a Teacher in a High School must be B.A., or B.Sc., or B.Com., along with a Batchelor's Degree in Education i.e., B.Ed. But, the Loan Applications show that all those borrowers are under graduates. As such, a strong suspicion arises about genuineness of all these borrowers and their documents. However, there is no evidence to pinpoint the Accused-3 and 4 for such suspicion. Hence, it 82 [Spl.C.C.92/2004-J] is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
11. Documents Relating To Gayathrinagar Higher Primary School
100. Sri.D.Krian, Smt.S.Saraswathi and Sri.R.Sathya Narayana Reddy are also the borrowers among the borrowers relating to this case. Ex.P.746 to Ex.P.753 and Ex.P.1263 to Ex.P.1276 are the loan documents relating to those borrowers. According to the Complainant, though those 3 borrowers were not working as Teachers or in any capacity in Gayathrinagar Higher Primary School, Gayathri Nagara, Bengaluru, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.750, Ex.P.752, Ex.P.1267, Ex.P.1268, Ex.P.1274 and Ex.P.1275 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Secretary of Gayathrinagar Nursery and Higher Primary School has issued those documents.
101. P.W.2 has deposed that those 3 borrowers were not working in that Gayathrinagar Higher Primary School. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that the borrowers, referred to above, were not working in that School. Officers from that School or the Education Department are the proper persons to speak about the employees of that School. None from Gayathrinagar Higher 83 [Spl.C.C.92/2004-J] Primary School has come forward to give evidence. P.W.16 and 18 are the Officers of the Education Department. But, it is not their evidence that 3 borrowers, referred to above, are not working in that School. P.W.24, being the Investigating Officer of this case, is also a proper person to collect evidence in this regard. But, he has not collected and produced any such evidence. Absolutely, there is no evidence to show in support of the Statement of P.W.2 that 3 borrowers, referred to above, are not working in that School. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. There is nothing to show that Salary Certificates and Undertaking Letters are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
12. Documents Relating To Ali Education Urdu Nursery and Primary School
102. Sri.Dadapeer and Sri.Ismail are also the borrowers among the borrowers relating to this case. Ex.P.966 to Ex.P.973 and Ex.P.1114 to Ex.P.1121 are the loan documents relating to those borrowers. According to the Complainant, though those 2 borrowers were not working as Teachers or in any capacity in Ali Education Nursery and Primary School, Padarayanapura, Bengaluru, the Accused-3 and 4 have created false Undertaking 84 [Spl.C.C.92/2004-J] Letters and false Salary Certificates as per Ex.P.970, Ex.P.972, Ex.P.1118 and Ex.P.1120 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Secretary of Ali Education Nursery and Primary School has issued them.
103. P.W.2 has deposed that those 2 borrowers were not working in that Ali Education Nursery and Primary School. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that the borrowers, referred to above, were not working in that School. None from Ali Education Nursery and Primary School has come forward to give evidence. P.W.16 and 18 are the Officers of the Education Department. But, it is not their evidence that 2 borrowers, referred to above, are not working in that School. P.W.24 has not collected and produced any evidence to substantiate the Statement of P.W.2. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that 2 borrowers, referred to above, are not working in that School and that Salary Certificates and Undertaking Letters are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
85 [Spl.C.C.92/2004-J]
13. Documents Relating To BBMP Higher Primary School
104. Smt.M.Yamuna is also one of the borrowers relating to this case. Ex.P.1604 to Ex.P.1609 are the loan documents relating to her. According to the Complainant, though Smt.Yamuna was not working as Teacher or in any capacity in BBMP Higher Primary School, Tusker Town, Bengaluru, the Accused-3 and 4 have created false Salary Certificate as per Ex.P.1608 in the name of Smt.Yamuna for the purpose of availing loan from the Bank. Ex.P.1608 shows that Head Mistress of BBMP Higher Primary School has issued that document.
105. P.W.2 has deposed that Smt.Yamuna was not working in that BBMP Higher Primary School. But, he has not stated that the Accused-3 and 4 have created false Salary Certificate. No material is produced to show that Smt.Yamuna was not working in that School. Officers from that School, who are the proper persons to speak about the employees of that School, has come forward to give evidence. P.W.16 and 18, who are the Officers of the Education Department, have not stated that Smt.Yamuna is not working in that School. Even P.W.24 has not collected and produced any such evidence. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that Smt.Yamuna is not working in that School and that her Salary Certificate is false document. There is also nothing to show that the Accused-3 and 4 have 86 [Spl.C.C.92/2004-J] created that document. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificate.
14. Documents Relating To HSI Kannada & Tamil Higher Primary School
106. Sri.R.Muniswamy and Sri.D.V.Nanda Kumar are also the borrowers among the borrowers relating to this case. Ex.P.502 to Ex.P.509 and Ex.P.714 to Ex.P.721 are the loan documents relating to those borrowers. According to the Complainant, though those 2 borrowers were not working as Teachers or in any capacity in HSI Kannada & Tamil Higher Primary School, Gowtham Nagara, Bengaluru, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.507, Ex.P.509, Ex.P.718 and Ex.P.720 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Master of HSI Kannada & Tamil Higher Primary School has issued those documents.
107. Though P.W.2 has deposed that the said School was in existence and that Sri.D.V.Nanda Kumar was not working in that School, he has not stated that Sri.R.Muniswamy was not working in that School. He has also not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that the borrowers, referred to above, were not working in that School. Officers from 87 [Spl.C.C.92/2004-J] that School or the Education Department are the proper persons to speak about the employees of that School. None from that School has come forward to support the version of the Complainant. P.W.16 and 18 also have not stated that 2 borrowers, referred to above, are not working in that School. Even P.W.24 has not collected and produced any such evidence. Absolutely, there is no evidence to substantiate the Statement of P.W.2 and to show that 2 borrowers, referred to above, are not working in that School and that Salary Certificates and Undertaking Letters are false documents. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
15. Documents Relating To Government Urdu Primary Boys' School
108. Smt.Gulzar Khanam and Smt.Gulshira Khanam are also the borrowers among the borrowers relating to this case. Ex.P.288 to Ex.P.295 and Ex.P.837 to Ex.P.844 are the loan documents relating to those borrowers. According to the Complainant, though those 2 borrowers were not working as Teachers or in any capacity in Government Urdu Primary Boys' School, Cox Town, Bengaluru and though such a School was not in existence, the Accused-3 and 4 have created false Undertaking 88 [Spl.C.C.92/2004-J] Letters and false Salary Certificates as per Ex.P.293, Ex.P.295, Ex.P.841 and Ex.P.843 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Mistress of Government Urdu Primary Boys' School has issued those documents.
109. P.W.2 has deposed that the said School was not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Government Urdu Primary Boys' School was not in existence and that the borrowers, referred to above, were not working in that School. P.W.16 and 18, who are the proper persons to speak about the existence or non- existence of the School, also have not stated that the said School was not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. Absolutely, there is no evidence to substantiate the Statement of P.W.2 and to show that Government Urdu Primary Boys' School was not in existence and that 2 borrowers, referred to above, were not working in that School and that Salary Certificates and Undertaking Letters relating to them are false documents. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 89 [Spl.C.C.92/2004-J] 4 have created false Salary Certificates and Undertaking Letters.
16. Documents Relating To Indian Cultural Education Society
110. Sri.Muthuraj and Sri.D.Murthy are also the borrowers among the borrowers relating to this case. Ex.P.1108 to Ex.P.1113 and Ex.P.1583 to Ex.P.1587 are the loan documents relating to those borrowers. According to the Complainant, though those 2 borrowers were not working as Teachers or in any capacity in Indian Cultural Education Society, Bannerghatta, Bengaluru, the Accused- 3 and 4 have created false Salary Certificates as per Ex.P.1113 and Ex.P.1587 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Master of Indian Cultural Kannada Higher Primary School has issued those documents.
111. P.W.2 has deposed that the said School was in existence and that Sri.Muthuraj and Sri.B.Murthy were not working in that School. But, he has not stated that the Accused-3 and 4 have created false Salary Certificates. No material is produced to show that the borrowers, referred to above, were not working in that School. Officers from that School or the Education Department are the proper persons to speak about the employees of that School. None from that School has come forward to support the version of the Complainant. P.W.16 and 18 also have not 90 [Spl.C.C.92/2004-J] stated that 2 borrowers, referred to above, are not working in that School. Even P.W.24 has not collected and produced any such evidence to substantiate the evidence of P.W.2. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that 2 borrowers, referred to above, are not working in that School and that Salary Certificates are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates.
17. Documents Relating To Kaveri Nadu Vidya Samsthe
112. Smt.A.M.Leelavathi is also one of the borrowers relating to this case. Ex.P.1438 to Ex.P.1444 are the loan documents relating to her. According to the Complainant, though Smt.A.M.Leelavathi was not working as Teacher or in any capacity in Kaveri Nadu Vidya Samsthe, Kadukarenahalli, Bengaluru, the Accused-3 and 4 have created false Undertaking Letter as per Ex.P.1442 and false Salary Certificate as per Ex.P.1443 in the name of Smt.A.M.Leelavathi for the purpose of availing loan from the Bank. Ex.P.1444 shows that Secretary of Kaveri Nadu Vidya Samsthe has issued that document.
113. P.W.2 has deposed that Smt.A.M.Leelavathi was not working in that Kaveri Nadu Vidya Samsthe. But, 91 [Spl.C.C.92/2004-J] he has not stated that the Accused-3 and 4 have created false Salary Certificate and false Undertaking Letter. No material is produced to show that Smt.A.M.Leelavathi was not working in that School. Officers from that School or the Education Department are the proper persons to speak about the employees of that School. None from that School has come forward to give evidence. P.W.16 and 18, who are the Officers of the Education Department, have not stated that Smt.A.M.Leelavathi is not working in that School. Even P.W.24 has not collected and produced any such evidence to substantiate the evidence of P.W.2. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that Smt.A.M.Leelavathi is not working in that School and that her Salary Certificate and Undertaking Letter are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificate and false Undertaking Letter.
18. Documents Relating To Shanthi Kannada Higher Primary School
114. Smt.Sathyabhama, Smt.K.N.Bhavana and Sri.H.R.R.Dayananda are also the borrowers among the borrowers relating to this case. Ex.P.510 to Ex.P.516, Ex.P.551 to Ex.P.558 and Ex.P.1425 to Ex.P.1430 are the loan documents relating to those borrowers. According to 92 [Spl.C.C.92/2004-J] the Complainant, though those 3 borrowers were not working as Teachers or in any capacity in Shanthi Kannada Higher Primary School, Vinayaka Nagara, Bengaluru, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.514, Ex.P.516, Ex.P.556, Ex.P.558, Ex.P.1429 and Ex.P.1430 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Master of Shanthi Kannada Higher Primary School has issued those documents.
115. Though P.W.2 has deposed that the said School was in existence and that Sri.HRR Dayananda was not working in that School, he has not stated that Smt.Sathyabhama and Smt.K.N.Bhavana were not working in that School. He has also not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that the borrowers, referred to above, were not working in that School. In fact, in the Cross-examination, P.W.2 has stated that though he met the Head Master of Shanthi Kannada Higher Primary School, he has stated that he did not show the Salary Certificates to the Head Master to ascertain the authenticity of those documents. Officers from that School or the Education Department are the proper persons to speak about the employees of that School. None from that School has come forward to support the version of the Complainant. P.W.16 and 18 also have not stated that 3 93 [Spl.C.C.92/2004-J] borrowers, referred to above, are not working in that School. Even P.W.24 has not collected and produced any such evidence to substantiate the Statement of P.W.2. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that 3 borrowers, referred to above, are not working in that School and that Salary Certificates and Undertaking Letters are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
19. Documents Relating To Manjula Higher Primary School
116. Sri.Balaji Supreet, Smt.Muniswamy Suchitha, Smt.Murugesh Kalavathi, Sri.K.Thangaraju, Smt.Vijay Geetha, Sri.Prashanth Suresh, Sri.Sharath Anand, Sri.S.Adimoolam, Sri.T.Venkatesh, Sri.M.Shivaraj, Sri.M.Ramesh and Sri.J.Srikanth are also the borrowers among the borrowers relating to this case. Ex.P.177 to Ex.P.194, Ex.P.203 to Ex.P.254, Ex.P.380 to Ex.P.394 and Ex.P.403 to Ex.P.419 are the loan documents relating to those borrowers. According to the Complainant, though those borrowers were not working as employees or in any capacity in Manjula Higher Primary School, Guddadahalli, Bengaluru, the Accused-3 and 4 have created false Salary Certificates and false Undertaking Letters as per Ex.P.183, 94 [Spl.C.C.92/2004-J] Ex.P.187, Ex.P.192, Ex.P.194, Ex.P.208, Ex.P.211, Ex.P.217, Ex.P.220, Ex.P.226, Ex.P.228, Ex.P.234, Ex.P.237, Ex.P.243, Ex.P.246, Ex.P.252, Ex.P.254, Ex.P.386, Ex.P.392, Ex.P.394, Ex.P.408, Ex.P.410, Ex.P.416 and Ex.P.419 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Master of Manjula Higher Primary School has issued them.
117. Though P.W.2 has referred to about all those documents, it is not his evidence that all those borrowers were not working in that School and that the Accused-3 and 4 have created false Salary Certificates and false Undertaking Letters. No material is produced to show that the borrowers, referred to above, were not working in that School. None from that School has come forward to support the version of the Complainant. P.W.16 and 18 also have not stated that 12 borrowers, referred to above, are not working in that School. Even P.W.24 has not collected and produced any such evidence to substantiate the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that 12 borrowers, referred to above, are not working in that School and that Salary Certificates and Undertaking Letters are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the 95 [Spl.C.C.92/2004-J] bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and false Undertaking Letters.
20. Documents Relating To Niranjan Higher Primary School
118. Smt.P.S.Mary, Sri.T.Ravichandran, Sri.P.Reuben, Smt.G.Suguna, Sri.Vijay Kumar and Sri.S.Premanand are also the borrowers among the borrowers relating to this case. Ex.P.705 to Ex.P.713, Ex.P.1147 to Ex.P.1171, Ex.P.1301 to Ex.P.1307 and Ex.P.1394 to Ex.P.1400 are the loan documents relating to those borrowers. According to the Complainant, though those 6 borrowers were not working as Teachers or in any capacity in Niranjan Higher Primary School, Padarayanapura, Bengaluru and though such a School was not in existence, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.709, Ex.P.712, Ex.P.1151, Ex.P.1153, Ex.P.1159, Ex.P.1161, Ex.P.1167, Ex.P.1170, Ex.P.1305, Ex.P.1306, Ex.P.1398 and Ex.P.1399 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Master of Niranjan Higher Primary School has issued those documents.
119. P.W.2 has deposed that the said School was not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that 96 [Spl.C.C.92/2004-J] Niranjan Higher Primary School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of any such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. As such, there is no acceptable evidence to show that Niranjan Higher Primary School is not in existence and that 6 borrowers, referred to above, are not working in that School and that Salary Certificates and Undertaking Letters relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
21. Documents Relating To Vijaya Kannada Higher Primary School
120. Smt.D.R.Kasthuri Bai, Smt.S.Nagamma, Smt.Sunitha Prakash, Smt.Sujatha Dutt, Smt.C.Sumithra and Smt.S.Padmavathi are also the borrowers among the borrowers relating to this case. Ex.P.1355 to Ex.P.1369 and Ex.P.1554 to Ex.P.1582 are the loan documents relating to those borrowers. According to the Complainant, though those 6 borrowers were not working as Teachers or in any capacity in Vijaya Kannada Higher Primary School, Basavanagudi, Bengaluru, the Accused-3 and 4 have 97 [Spl.C.C.92/2004-J] created false Undertaking Letters and false Salary Certificates as per Ex.P.1359, Ex.P.1360, Ex.P.1366, Ex.P.1367, Ex.P.1558, Ex.P.1559, Ex.P.1566, Ex.P.1567, Ex.P.1574, Ex.P.1575 and Ex.P.1582 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Master of Vijaya Kannada Higher Primary School has issued those documents.
121. P.W.2 has deposed that those 6 borrowers were not working in Vijaya Kannada Higher Primary School. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that the borrowers, referred to above, are not working in that School. In the Cross-examination, P.W.2 has stated that he met the Head Master of Vijaya Kannada Higher Primary School and that he did not show the Salary Certificates of the said 6 borrowers to him to ascertain the authenticity of those documents. He has also stated that he did not collect any document in writing from the Head Master regarding those borrowers. Said Head Master is a proper person to speak about the genuineness of Salary Certificates and Undertaking Letters and also about the work of the borrowers in that School. But, he has not come forward to give evidence. P.W.16 and 18 also have not stated that the borrowers are not working in that School. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant.
98 [Spl.C.C.92/2004-J] In the absence of any such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that 6 borrowers, referred to above, are not working in Vijaya Kannada Higher Primary School and that Salary Certificates and Undertaking Letters relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
22. Documents Relating To Sujatha Kannada Higher Primary School
122. Smt.K.R.Mallamma is also one among the borrowers relating to this case. Ex.P.889 to Ex.P.896 are the loan documents relating to her. According to the Complainant, though Smt.K.R.Mallamma was not working as Teacher or in any capacity in Sujatha Kannada Higher Primary School, Sakamma Garden, Bengaluru, the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate as per Ex.P.893 and Ex.P.895 in the name of Smt.K.R.Mallamma for the purpose of availing loan from the Bank. These documents show that Head Master of Sujatha Kannada Higher Primary School has issued those documents.
123. P.W.2 has deposed that said Smt.K.R.Mallamma is not working in Sujatha Kannada Higher Primary School.
99 [Spl.C.C.92/2004-J] But, he has not stated that the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate. No material is produced to show that Smt.K.R.Mallamma is not working in that School. Head Master of that School is a proper person to speak about the genuineness of Salary Certificate and Undertaking Letter and also about the work of Smt.K.R.Mallamma in that School. But, he has not come forward to give evidence. P.W.16 and 18 also have not stated that Smt.K.R.Mallamma is not working in that School. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of any such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that Smt.K.R.Mallamma is not working in Sujatha Kannada Higher Primary School and that Salary Certificate and Undertaking Letter relating to her are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificate and Undertaking Letter.
23. Documents Relating To Veerabhadraswamy Kannada Higher Primary School
124. Sri.M.Panduranga and Sri.B.Lakshman Rao are also the borrowers relating to this case. Ex.P.998 to Ex.P.1006 and Ex.P.1340 to Ex.P.1346 are the loan documents relating to them. According to the Complainant, 100 [Spl.C.C.92/2004-J] though those persons were not working as Teachers or in any capacity in Veerabhadraswamy Kannada Higher Primary School, Agrahara Dasarahalli, Bengaluru, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.1002, Ex.P.1005, Ex.P.1344 and Ex.P.1345 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Master of Veerabhadraswamy Kannada Higher Primary School has issued those documents.
125. P.W.2 has deposed that those 2 borrowers are not working in Veerabhadraswamy Kannada Higher Primary School. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that those borrowers are not working in that School. Head Master of that School is a proper person to speak about the genuineness of Salary Certificates and Undertaking Letters and also about the work of the borrowers in that School. But, he has not come forward to give evidence. P.W.16 and 18 also have not stated that those borrowers are not working in that School. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that those 2 borrowers are not working in Veerabhadraswamy Kannada Higher Primary School and 101 [Spl.C.C.92/2004-J] that Salary Certificates and Undertaking Letters relating to those 2 borrowers are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
24. Documents Relating To Uma Primary School
126. Smt.M.Lakshmi Devi, Sri.Sampath Kumar and Sri.P.Rangaiah Rao are also the borrowers relating to this case. Ex.P.575 to Ex.P.583, Ex.P.803 to Ex.P.811 and Ex.P.1007 to Ex.P.1015 are the loan documents relating to them. According to the Complainant, though those borrowers were not working as Teachers or in any capacity in Uma Primary School, Byatarayanapura, Bengaluru, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.580, Ex.P.583, Ex.P.807, Ex.P.810, Ex.P.1011 and Ex.P.1014 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Mistress of Uma Primary School has issued them.
127. P.W.2 has deposed that those 3 borrowers are not working in Uma Primary School. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that those borrowers are not 102 [Spl.C.C.92/2004-J] working in that School. Head Mistress of that School is a proper person to speak about the genuineness of Salary Certificates and Undertaking Letters and also about the work of the borrowers in that School. But, she has not come forward to give evidence. P.W.16 and 18 also have not stated that those borrowers are not working in that School. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that those 3 borrowers are not working in Uma Primary School and that Salary Certificates and Undertaking Letters relating to those 3 borrowers are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and Undertaking Letters.
25. Documents Relating To Bapuji Teachers' Association High School
128. Smt.M.Sumathi and Sri.Manimaran are also the borrowers relating to this case. Ex.P.355 to Ex.P.363 and Ex.P.364 to Ex.P.371 are the loan documents relating to them. According to the Complainant, though those borrowers were not working as Teachers or in any capacity in Bapuji Teachers' Association High School, Magadi Road, Bengaluru, the Accused-3 and 4 have created false 103 [Spl.C.C.92/2004-J] Undertaking Letters and false Salary Certificates as per Ex.P.360, Ex.P.363, Ex.P.369 and Ex.P.371 in the names of those borrowers for the purpose of availing loan from the Bank. These documents show that Head Mistress of Bapuji Teachers' Association High School has issued those documents.
129. Though P.W.2 has stated that Sri.G.Manimaran, who was unemployed, had shown his avocation in the Loan Application as Teacher, it is not his specific evidence that Sri.G.Manimaran and Smt.M.Sumathi are not working in Bapuji Teachers' Association High School. He has also not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that those borrowers are not working in that School. Head Mistress of that School or any one from Bapuji Teachers' Association High School is a proper person to speak about the genuineness of Salary Certificates and Undertaking Letters and also about the work of the borrowers in that School. But, they have not come forward to give evidence. P.W.16 and 18 also have not stated that those borrowers are not working in that School. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Absolutely, there is no evidence to show that those 2 borrowers are not working in Bapuji Teachers' Association High School and that Salary Certificates and Undertaking Letters 104 [Spl.C.C.92/2004-J] relating to those 2 borrowers are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates and false Undertaking Letters.
26. Documents Relating To Arun Higher Primary School
130. Sri.J.Suresh Babu, Smt.A.Nalini, Sri.M.Balaji and Sri.Ranganath are also the borrowers among the borrowers relating to this case. Ex.P.877 to Ex.P.882, Ex.P.914 to Ex.P.925 and Ex.P.1588 to Ex.P.1595 are the loan documents relating to them. According to the Complainant, though Arun Higher Primary School, Byatarayanapura, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Salary Certificates as per Ex.P.882, Ex.P.919, Ex.P.925 and Ex.P.1593 in the names of those borrowers for the purpose of availing loan from the Bank. Ex.P.1592 is the Undertaking Letter filed in support of loan of Sri.Ranganath. But, that document does not pertain to him as it relates to the employees of Srivijaya Kannada Higher Primary School.
131. P.W.2 has deposed that Arun Higher Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Salary Certificates. No 105 [Spl.C.C.92/2004-J] material is produced to show that Arun Higher Primary School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of any supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. As such, there is no acceptable evidence to show that Arun Higher Primary School is not in existence and that 4 borrowers, referred to above, are not working in that School and that Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates.
27. Documents Relating To Balagangadhara High School
132. Sri.B.Gopalappa, Sri.R.Kempaiah, Sri.R.Sangaiah, Sri.Ramachandraiah and Sri.L.Shivappa are also the borrowers among the borrowers relating to this case. Ex.P.1016 to Ex.P.1033, Ex.P.1308 to Ex.P.1323 and Ex.P.1516 to Ex.P.1523 are the loan documents relating to them. According to the Complainant, though Balagangadhara High School, Kamakshipalya, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the 106 [Spl.C.C.92/2004-J] Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.1020, Ex.P.1023, Ex.P.1029, Ex.P.1032, Ex.P.1312, Ex.P.1313, Ex.P.1320, Ex.P.1321, Ex.P.1520 and Ex.P.1521 in the names of those borrowers for the purpose of availing loan from the Bank.
133. P.W.2 has deposed that Balagangadhara High School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Balagangadhara High School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. As such, there is no acceptable evidence to show that Balagangadhara High School is not in existence and that 6 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
107 [Spl.C.C.92/2004-J]
28. Documents Relating To Government Nursery and Primary School
134. Smt.G.Jayalakshmamma is also one among the borrowers relating to this case. Ex.P.820 to Ex.P.827 are the loan documents relating to her. According to the Complainant, though Government Nursery and Primary School, Raj Bhavan, Bengaluru, was not in existence and Smt.G.Jayalakshmamma was not working as Teacher or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate as per Ex.P.824 and Ex.P.826 in the name of Smt.G.Jayalakshmamma for the purpose of availing loan from the Bank.
135. P.W.2 has deposed that Government Nursery and Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate. No material is produced to show that Government Nursery and Primary School is not in existence and that Smt.G.Jayalakshmamma is not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of any supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Government Nursery and Primary School is not in existence and that Smt.G.Jayalakshmamma is not working in that School and 108 [Spl.C.C.92/2004-J] that Undertaking Letter and Salary Certificate relating to her are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate.
29. Documents Relating To Gokula Higher Primary School
136. Sri.Subba Rao, Sri.S.Imbaraj, Smt.B.S.Vijayarani, Sri.M.Ranganath and Smt.N.Lakshmi are also the borrowers relating to this case. Ex.P.1122 to Ex.P.1146 and Ex.P.1401 to Ex.P.1416 are the loan documents relating to them. According to the Complainant, though Gokula Higher Primary School, Mysore Road, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.1126, Ex.P.1128, Ex.P.1134, Ex.P.1136, Ex.P.1142, Ex.P.1145, Ex.P.1405, Ex.P.1406, Ex.P.1413 and Ex.P.1414 in the names of those borrowers for the purpose of availing loan from the Bank.
137. P.W.2 has deposed that Gokula Higher Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Gokula Higher Primary School is not in existence and that the borrowers, referred to above, are not working 109 [Spl.C.C.92/2004-J] in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Gokula Higher Primary School is not in existence and that 5 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
30. Documents Relating To Jayadeva High School
138. Smt.A.Jayanthi, Sri.Munegowda, Sri.R.Eshwar and Sri.D.Santhosh are also the borrowers relating to this case. Ex.P.1172 to Ex.P.1188, Ex.P.1223 to Ex.P.1229 and Ex.P.1256 to Ex.P.1262 are the loan documents relating to them. According to the Complainant, though Jayadeva High School, Vyalikaval, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.1176, Ex.P.1179, Ex.P.1185, Ex.P.1186, Ex.P.1227, Ex.P.1228, Ex.P.1260 and Ex.P.1261 110 [Spl.C.C.92/2004-J] in the names of those borrowers for the purpose of availing loan from the Bank.
139. P.W.2 has deposed that Ex.P.1179 relating to Smt.A.Jayanthi is issued by the Head Master of Niranjan Higher Primary School. But, Ex.P.1179 shows that it was issued by the Head Master of Jayadeva High School. This circumstance shows that P.W.2 did not verify the document properly. However, he has stated that Jayadeva High School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Jayadeva High School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Jayadeva High School is not in existence and that 4 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
111 [Spl.C.C.92/2004-J]
31. Documents Relating To Janatha Higher Primary School
140. Sri.K.Somu, Sri.S.Prakash, Sri.M.Lokesh, Sri.M.Sampath Kumar and Sri.G.Narasimhaiah are also the borrowers among the borrowers relating to this case. Ex.P.626 to Ex.P.654 and Ex.P.991 to Ex.P.997 are the loan documents relating to them. According to the Complainant, though Janatha Higher Primary School, Jayanagara, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.631, Ex.P.633, Ex.P.638, Ex.P.644, Ex.P.646, Ex.P.652, Ex.P.654, Ex.P.995 and Ex.P.997 in the names of those borrowers for the purpose of availing loan from the Bank.
141. P.W.2 has deposed that Janatha Higher Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Janatha Higher Primary School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Janatha Higher Primary 112 [Spl.C.C.92/2004-J] School is not in existence and that 5 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
32. Documents Relating To Kanakadasa High School
142. Sri.M.Rangaswamy, Sri.G.Srinivasa, Sri.C.Shivanarayana and Smt.Jacob Mary Savitha are also the borrowers among the borrowers relating to this case. Ex.P.934 to Ex.P.941, Ex.P.982 to Ex.P.990, Ex.P.1073 to Ex.P.1081 and Ex.P.1634 to Ex.P.1641 are the loan documents relating to them. According to the Complainant, though Kanakadasa High School, Krishnarajapuram, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.938, Ex.P.940, Ex.P.986, Ex.P.989, Ex.P.1077, Ex.P.1080, Ex.P.1638 and Ex.P.1639 in the names of those borrowers for the purpose of availing loan from the Bank.
143. P.W.2 has deposed that Kanakadasa High School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters 113 [Spl.C.C.92/2004-J] and false Salary Certificates. No material is produced to show that Kanakadasa High School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Kanakadasa High School is not in existence and that 4 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
33. Documents Relating To Manjunatha Middle School
144. Sri.T.L.Kempegowda, Smt.T.Rani, Sri.D.Rahim, Sri.M.Chowdaiah and Smt.K.Sathyavathi are also the borrowers among the borrowers relating to this case. Ex.P.195 to Ex.P.202, Ex.P.395 to Ex.P.402, Ex.P.517 to Ex.P.525, Ex.P.1524 to Ex.P.1531 and Ex.P.1626 to Ex.P.1633 are the loan documents relating to them. According to the Complainant, though Manjunatha Middle 114 [Spl.C.C.92/2004-J] School, Guddadahalli, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.199, Ex.P.202, Ex.P.400, Ex.P.402, Ex.P.522, Ex.P.525, Ex.P.1528, Ex.P.1529, Ex.P.1630 and Ex.P.1631 in the names of those borrowers for the purpose of availing loan from the Bank.
145. P.W.2 has deposed that Manjunatha Middle School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Manjunatha Middle School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Manjunatha Middle School is not in existence and that 5 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the 115 [Spl.C.C.92/2004-J] Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
34. Documents Relating To Mamatha High School
146. Smt.M.Saraswathi, Sri.M.Shivaram, Sri.M.Sundaresh, Sri.R.Sathish, Sri.K.Shankar, Smt.Preethi Jayaram and Smt.K.R.Rathnamala are also the borrowers among the borrowers relating to this case. Ex.P.593 to Ex.P.610, Ex.P.897 to Ex.P.913, Ex.P.1277 to Ex.P.1292 and Ex.P.1508 to Ex.P.1515 are the loan documents relating to them. According to the Complainant, though Mamatha High School, T-Block, Jayanagara, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.598, Ex.P.601, Ex.P.607, Ex.P.610, Ex.P.901, Ex.P.903, Ex.P.909, Ex.P.912, Ex.P.1281, Ex.P.1282, Ex.P.1289, Ex.P.1290, Ex.P.1512 and Ex.P.1513 in the names of those borrowers for the purpose of availing loan from the Bank.
147. P.W.2 has deposed that Mamatha High School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Mamatha High School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the 116 [Spl.C.C.92/2004-J] said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Mamatha High School is not in existence and that 7 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
35. Documents Relating To Neharu Higher Primary School
148. Sri.S.Shariff, Sri.N.Shivakumar, Smt.K.Rajalakshmi, Sri.N.B.Bhaskar and Smt.Obalakshmi are also the borrowers among the borrowers relating to this case. Ex.P.611 to Ex.P.625, Ex.P.664 to Ex.P.672, Ex.P.926 to Ex.P.933 and Ex.P.1472 to Ex.P.1478 are the loan documents relating to them. According to the Complainant, though Neharu Higher Primary School, Kempapura Agrahara, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.617, Ex.P.623, Ex.P.625, Ex.P.669, Ex.P.672, 117 [Spl.C.C.92/2004-J] Ex.P.930, Ex.P.932, Ex.P.1476 and Ex.P.1477 in the names of those borrowers for the purpose of availing loan from the Bank.
149. P.W.2 has deposed that Neharu Higher Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Neharu Higher Primary School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Neharu Higher Primary School is not in existence and that 5 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
36. Documents Relating To Nandagokula Primary School
150. Smt.S.Usha, Smt.C.Nalinakshi, Sri.M.N.Ravikumar, Smt.P.Jyothi, Sri.H.N.Govindappa, Sri.K.P.Achari and 118 [Spl.C.C.92/2004-J] Sri.L.Ambarish are also the borrowers among the borrowers relating to this case. Ex.P.861 to Ex.P.876, Ex.P.1099 to Ex.P.1107, Ex.P.1248 to Ex.P.1255, Ex.P.1324 to Ex.P.1339 and Ex.P.1347 to Ex.P.1354 are the loan documents relating to them. According to the Complainant, though Nandagokula Primary School, Hosahalli, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.865, Ex.P.868, Ex.P.873, Ex.P.876, Ex.P.1103, Ex.P.1106, Ex.P.1252, Ex.P.1253, Ex.P.1328, Ex.P.1329, Ex.P.1351 and Ex.P.1352 in the names of those borrowers for the purpose of availing loan from the Bank.
151. P.W.2 has deposed that Nandagokula Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Nandagokula Primary School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Nandagokula Primary School is not in 119 [Spl.C.C.92/2004-J] existence and that 7 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
37. Documents Relating To Raghavendra Shikshaka Poshaka Sangha Shishu Vihara
152. Smt.Parvathamma is also one among the borrowers relating to this case. Ex.P.974 to Ex.P.981 are the loan documents relating to her. According to the Complainant, though Raghavendra Shikshaka Poshaka Sangha Shishu Vihara, Kempapura Agrahara, Bengaluru, was not in existence and Smt.Parvathamma was not working as Attender or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate as per Ex.P.978 and Ex.P.980 in the name of Smt.Parvathamma for the purpose of availing loan from the Bank.
153. P.W.2 has deposed that Raghavendra Shikshaka Poshaka Sangha Shishu Vihara is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate. No material is produced to show that Raghavendra Shikshaka Poshaka Sangha Shishu Vihara is 120 [Spl.C.C.92/2004-J] not in existence and that Smt.Parvathamma is not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Raghavendra Shikshaka Poshaka Sangha Shishu Vihara is not in existence and that Smt.Parvathamma is not working in that School and that Undertaking Letter and Salary Certificate relating to her are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate.
38. Documents Relating To Raghavendra Shikshaka Poshaka Sangha Primary School
154. Sri.K.Lakshminarasappa is also one among the borrowers relating to this case. Ex.P.1610 to Ex.P.1617 are the loan documents relating to him. According to the Complainant, though Raghavendra Shikshaka Poshaka Sangha Primary School, Kempapura Agrahara, Bengaluru, was not in existence and Sri.Lakshminarasappa was not working as Attender or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate as per Ex.P.1614 and Ex.P.1615 in 121 [Spl.C.C.92/2004-J] the name of Sri.K.Lakshminarasappa for the purpose of availing loan from the Bank.
155. P.W.2 has deposed that Raghavendra Shikshaka Poshaka Sangha Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate. No material is produced to show that Raghavendra Shikshaka Poshaka Sangha Primary School is not in existence and that Sri.K.Lakshminarasappa is not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Raghavendra Shikshaka Poshaka Sangha Primary School is not in existence and that Sri.K.Lakshminarasappa is not working in that School and that Undertaking Letter and Salary Certificate relating to him are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letter and false Salary Certificate.
39. Documents Relating To Ramya Middle School
156. Sri.R.Muniswamy, Sri.N.Parthasarathi, Sri.R.Kishor Swamy, Sri.K.Ramesh, Smt.C.Lakshmamma, Sri.G.Mahesh, 122 [Spl.C.C.92/2004-J] Smt.K.Renuka, Sri.A.V.Mahima, Smt.R.Susheela and Sri.Naveen Maladi are also the borrowers among the borrowers relating to this case. Ex.P.477 to Ex.P.484, Ex.P.543 to Ex.P.550, Ex.P.779 to Ex.P.786, Ex.P.812 to Ex.P.819, Ex.P.1034 to Ex.P.1041, Ex.P.1217 to Ex.P.1227, Ex.P.1293 to Ex.P.1300, Ex.P.1417 to Ex.P.1424 and Ex.P.1540 to Ex.P.1553 are the loan documents relating to them. According to the Complainant, though Ramya Middle School, Cottonpet, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.482, Ex.P.484, Ex.P.548, Ex.P.550, Ex.P.783, Ex.P.785, Ex.P.816, Ex.P.818, Ex.P.1038, Ex.P.1040, Ex.P.1221, Ex.P.1297, Ex.P.1298, Ex.P.1421, Ex.P.1422, Ex.P.1544, Ex.P.1545, Ex.P.1552 and Ex.P.1553 in the names of those borrowers for the purpose of availing loan from the Bank.
157. P.W.2 has deposed that Ramya Middle School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Ramya Middle School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting 123 [Spl.C.C.92/2004-J] evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Ramya Middle School is not in existence and that 10 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
40. Documents Relating To Parameshwara High School
158. Sri.S.Siddaramappa, Sri.N.Muniraja, Sri.R.Channakeshwaiah, Sri.B.Palani Swamy and Sri.R.Sridharan are also the borrowers among the borrowers relating to this case. Ex.P.584 to Ex.P.592, Ex.P.681 to Ex.P.689, Ex.P.722 to Ex.P.729, Ex.P.1065 to Ex.P.1072 and Ex.P.1532 to Ex.P.1539 are the loan documents relating to them. According to the Complainant, though Parameshwara High School, Shivajinagara, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.589, Ex.P.592, Ex.P.686, Ex.P.689, Ex.P.726, Ex.P.728, Ex.P.1071, Ex.P.1536 and Ex.P.1537 in the 124 [Spl.C.C.92/2004-J] names of those borrowers for the purpose of availing loan from the Bank.
159. P.W.2 has deposed that Parameshwara High School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Parameshwara High School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Parameshwara High School is not in existence and that 5 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
41. Documents Relating To Raghavendra High School
160. Sri.D.Chandrashekar, Smt.K.Chandramma, Sri.R.Ganesh, Smt.K.Parvathi, Smt.Kamalamma, 125 [Spl.C.C.92/2004-J] Sri.M.Manivachagam, Sri.B.Danappa, Sri.J.Ramanujaiah, Sri.Nagareddy, Sri.D.Suresh Kumar, Sri.P.Kumara Swamy, Sri.K.Krishnachari, Smt.K.Sendamarai and Smt.J.Pushpa are also the borrowers among the borrowers relating to this case. Ex.P.526 to Ex.P.533, Ex.P.559 to Ex.P.574, Ex.P.655 to Ex.P.663, Ex.P.942 to Ex.P.957, Ex.P.1082 to Ex.P.1098, Ex.P.1196 to Ex.P.1209, Ex.P.1230 to Ex.P.1241, Ex.P.1445 to Ex.P.1451 and Ex.P.1501 to Ex.P.1507 are the loan documents relating to them. According to the Complainant, though Raghavendra High School, Vasanthanagara, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.531, Ex.P.533, Ex.P.564, Ex.P.566, Ex.P.572, Ex.P.574, Ex.P.660, Ex.P.663, Ex.P.946, Ex.P.948, Ex.P.954, Ex.P.956, Ex.P.1086, Ex.P.1088, Ex.P.1094, Ex.P.1097, Ex.P.1200, Ex.P.1201, Ex.P.1207, Ex.P.1208, Ex.P.1234, Ex.P.1235, Ex.P.1241, Ex.P.1449, Ex.P.1450, Ex.P.1505 and Ex.P.1506 in the names of those borrowers for the purpose of availing loan from the Bank.
161. P.W.2 has deposed that Raghavendra High School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Raghavendra High School is not in existence and that the borrowers, referred to above, are not working in 126 [Spl.C.C.92/2004-J] that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. As such, there is no acceptable evidence to show that Raghavendra High School is not in existence and that 14 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
42. Documents Relating To Ranganatha Higher Primary School
162. Smt.B.Bhagyalakshmi, Sri.B.Narayana, Sri.M.Manjunatha, Smt.Madhushaliniyamma, Smt.K.Ganga Lakshmi, Smt.A.Pushpa, Smt.K.Rathna and Smt.G.Anitha are also the borrowers among the borrowers relating to this case. Ex.P.485 to Ex.P.493, Ex.P.828 to Ex.P.836, Ex.P.1189 to Ex.P.1195, Ex.P.1370 to Ex.P.1393, Ex.P.1431 to Ex.P.1437 and Ex.P.1479 to Ex.P.1486 are the loan documents relating to them. According to the Complainant, though Ranganatha Higher Primary School, Ramachandrapura, Bengaluru, was not in existence and all 127 [Spl.C.C.92/2004-J] these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates as per Ex.P.490, Ex.P.493, Ex.P.832, Ex.P.835, Ex.P.1193, Ex.P.1194, Ex.P.1374, Ex.P.1375, Ex.P.1382, Ex.P.1383, Ex.P.1390, Ex.P.1391, Ex.P.1435, Ex.P.1436, Ex.P.1483 and Ex.P.1484 in the names of those borrowers for the purpose of availing loan from the Bank.
163. P.W.2 has deposed that Ranganatha Higher Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates. No material is produced to show that Ranganatha Higher Primary School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2. Thus, there is no acceptable evidence to show that Ranganatha Higher Primary School is not in existence and that 8 borrowers, referred to above, are not working in that School and that Undertaking Letters and Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of 128 [Spl.C.C.92/2004-J] the Complainant that the Accused-3 and 4 have created false Undertaking Letters and false Salary Certificates.
43. Documents Relating To Vivek Higher Primary School
164. Sri.D.Lokesh, Sri.A.Shivaprasad, Sri.P.Rangaiah and Sri.R.Srinivasan are also the borrowers among the borrowers relating to this case. Ex.P.883 to Ex.P.888, Ex.P.1240 to Ex.P.1247 and Ex.P.1452 to Ex.P.1463 are the loan documents relating to them. According to the Complainant, though Vivek Higher Primary School, Bapujinagara, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3 and 4 have created false Salary Certificates as per Ex.P.888, Ex.P.1246, Ex.P.1456 and Ex.P.1462 in the names of those borrowers for the purpose of availing loan from the Bank.
165. P.W.2 has deposed that Vivek Higher Primary School is not in existence. But, he has not stated that the Accused-3 and 4 have created false Salary Certificates. No material is produced to show that Vivek Higher Primary School is not in existence and that the borrowers, referred to above, are not working in that School. P.W.16 and 18 also have not stated that the said School is not in existence. Even P.W.24 has not collected and produced any evidence in support of the contention of the Complainant. In the absence of such supporting evidence, it is not safe to rely upon the bare Statement of P.W.2.
129 [Spl.C.C.92/2004-J] Thus, there is no acceptable evidence to show that Vivek Higher Primary School is not in existence and that 4 borrowers, referred to above, are not working in that School and that Salary Certificates relating to them are false documents. There is also nothing to show that the Accused-3 and 4 have created those documents. Hence, it is not possible to accept the bare contention of the Complainant that the Accused-3 and 4 have created false Salary Certificates.
44. Documents Relating To Modern Kannada Higher Primary School
166. Sri.K.Selvaraj, Smt.S.Vasundhara, Smt.J.Devika, Sri.K.Shekhar, Sri.D.Muniswamy, Smt.M.Sudha, Sri.Narayana Prakash, Smt.Y.S.Florida, Sri.S.Shivanandam, Smt.Gangadhara Menaka, Sri.M.Mohana, Smt.D.Mala, Smt.R.Padma, Smt.Manikam Sushila and Smt.M.Meena Kumari are also the borrowers among the borrowers relating to this case. Ex.P.85 to Ex.P.133, Ex.P.149 to Ex.P.178, Ex.P.296 to Ex.P.304, Ex.P.429 to Ex.P.436 and Ex.P.446 to Ex.P.468 are the loan documents relating to them. According to the Complainant, though Modern Kannada Higher Primary School, Padarayanapura, Bengaluru, was not in existence and all these borrowers were not working as Teachers or in any capacity in that School, the Accused-3, 4 and also Smt.M.Meena Kumari have created false Undertaking Letters as per Ex.P.89, Ex.P.96, Ex.P.104, Ex.P.112, Ex.P.121, Ex.P.129, Ex.P.153, Ex.P.160, Ex.P.168, Ex.P.176, Ex.P.301, Ex.P.434, Ex.P.451, Ex.P.459 and Ex.P.467 and 130 [Spl.C.C.92/2004-J] Salary Certificates as per Ex.P.91, Ex.P.99, Ex.P.107, Ex.P.116, Ex.P.124, Ex.P.133, Ex.P.163, Ex.P.171, Ex.P.178, Ex.P.304, Ex.P.436, Ex.P.453, Ex.P.461 and Ex.P.468 in the names of those borrowers for the purpose of availing loan from the Bank.
167. P.W.2 has deposed that Modern Kannada Higher Primary School is not in existence. There is no supporting evidence to the said evidence of P.W.2. On the other hand, P.W.16 and P.W.18 have given Report as per Ex.P.1780 along with Reply of the Accused-4 and they have also given evidence stating that P.W.18 has visited that School building, verified the students, working staff and Teachers of that School and other 2 Schools run by Good Luck Education Society. Ex.P.1780, which consists of Reply of the Accused-4 also, shows that the said School is in existence. As such, that document supports the version of P.W.16 and P.W.18. There is no reason to disbelieve that evidence. This evidence negatives the evidence of P.W.2 that the said School is not in existence. Hence, the evidence of P.W.2 that the said School is not in existence is not fit to be accepted.
168. P.W.2 has further deposed that Smt.M.Sudha is the daughter of the Accused-3 and 4, Smt.R.Padma and Smt.M.Meena Kumari are the Directors of the Accused-5. Ex.P.1786 and Ex.P.1788 show that Smt.M.Meena Kumari, Smt.M.Sudha, Smt.J.Devika and Smt.R.Padma are the 131 [Spl.C.C.92/2004-J] Directors of the Accused-5. As observed above, by a Resolution-Ex.P.1796, the Accused-5 authorised the Accused-3 to operate the Account of the Accused-5 along with President-Sri.K.Venkataswamy or Director-Smt.M.Meena Kumari. Thus, it is clear that Smt.M.Meena Kumari, Smt.M.Sudha, Smt.J.Devika and Smt.R.Padma have actively participated in the affairs of the Society.
169. P.W.2 has deposed that none of those 15 borrowers was working in the said School and that Salary Certificates and Undertaking Letters, which are in their name, are fabricated. Those Undertaking Letters and Salary Certificates are said to have been issued by Smt.M.Meena Kumari in the capacity of Head Mistress of that School. It is stated in those documents that the remaining borrowers are the Teachers of that School. But, there is nothing to show that Smt.M.Meena Kumari was the Head Mistress and that the other borrowers were the Teachers of that School during that point of time. As the Accused-4 is the Secretary of the Good Luck Education Society, which is running Modern Kannada Higher Primary School, she is the proper person to produce relevant documents to show that the borrowers were working in that School. As the Accused-3 is the Secretary of the Accused-5 and as Smt.M.Sudha, Smt.M.Meena Kumari, Smt.J.Devika and Smt.R.Padma are also the Directors of the Accused-5 and as the Accused-3 has taken a lead role in the affairs of the Accused-5 as well as loan transactions relating to this case 132 [Spl.C.C.92/2004-J] and as he is the husband of the Accused-4, he is also a proper person to produce documents relating to all these borrowers. But, they have not produced anything to rebut the evidence of P.W.2 that the borrowers were not working in that School and that Salary Certificates and Undertaking Letters are fabricated. None of those borrowers has come forward to substantiate the contents of Salary Certificates and Undertaking Letters. As observed above, there is involvement of the Accused-3 and 4 in creating false Salary Certificates and false Undertaking Letters relating to Good Luck Higher Primary School for the purpose of availing loan facility from the Bank. On considering all these facts and circumstances, relationship between the Accused-3, 4, Smt.M.Sudha, Smt.J.Devika, Smt.R.Padma and Smt.M.Meena Kumari, it has to be inferred that the Accused-3 and 4 with the assistance of Smt.M.Meena Kumari have created all those Salary Certificates and Undertaking Letters. As loan is taken on the basis of all these documents, it is clear that all these documents have been created for the purpose of obtaining loan from the Bank.
45. Conclusion
170. On appreciation of the facts, circumstances and the evidence available on record, as observed above, it is clear that the Accused-3 and 4 have created false Salary Certificates and false Undertaking Letters relating to Good Luck Higher Primary School; the Accused-3 has created 133 [Spl.C.C.92/2004-J] false Certificates and false Undertaking Letters relating to Bapuji Higher Primary School; the Accused-3 and P.W.21 have created false Salary Certificates and Undertaking Letters relating to Sai Swamy Higher Primary School; the Accused-3 and 4 along with P.W.19 have created false Salary Certificates and Undertaking Letters relating to Vishweshwaraiah Kannada Higher Primary School; Accused-3 and 4 along with Smt.A.Mary have created false Salary Certificates and Undertaking Letters relating to Navachethana Higher Primary School; Accused-3 with the assistance of Smt.D.V.S.Rao Usha and Smt.K.N.Umadevi have created false Salary Certificates and Undertaking Letters relating to Government Tamil Primary School, the Accused-3 has created Salary Certificates and Undertaking Letters in the names of Smt.Samuel Esther, Sri.Umashankar and Sri.N.Prabhu Das relating to Annapurna High School and the Accused-3 and 4 along with Smt.M.Meena Kumari have created false Salary Certificates and false Undertaking Letters relating to Modern Kannada Higher Primary School for the purpose of availing loan from the Bank. As such, it is clear that the Accused-3 and 4 have forged several Undertaking Letters and Salary Certificates relating to loans pertaining to this case. However, allegations against those Accused regarding forgery of documents relating to other Schools are not proved. So also, there is nothing to show the involvement of the other Accused in the said forgery.
134 [Spl.C.C.92/2004-J] II. Using Of Forged Documents
171. As observed above, as per Ex.P.1786 and Ex.P.1788, on the identification and screening of the borrowers and on the recommendation and submission of the documents by the Accused-5, the Bank had to grant loans and accordingly, the Bank has granted loans in the names of the borrowers relating to this case. As observed above, the Accused-3, 4 and their associates have forged several Salary Certificates and Undertaking Letters for the purpose of availing loan from the Bank. As such, the Accused-3 and 4 very well knew that those documents were forged documents. As observed above, the Accused- 3 being the authorised representative of the Accused-5 has played major role in all these loan transactions. The Accused-4 is the wife of the Accused-3. The evidence on record shows that she has also actively participated in the loan transactions by canvassing about the loans and by taking signatures from some of the borrowers and also by issuing false Salary Certificates and Undertaking Letters. Hence, it has to be inferred that knowing fully well that those Salary Certificates and Undertaking Letters were forged, the Accused-3 and 4 have used those documents as genuine documents in the Bank for availing loans.
III. Sanction And Disbursal Of Loans
172. According to the Complainant, the Accused-1 has committed illegalities in sanction and disbursal of loans 135 [Spl.C.C.92/2004-J] to the borrowers by violating norms, guidelines and circulars of the Bank and in fact, the Accused-1 has sanctioned loans to the persons, who were not eligible for obtaining such loans. According to the Complainant, without verification of genuineness of the documents and the borrowers, the Accused-1 has sanctioned loans and he himself has processed Applications and completed formalities of sanction without the involvement of other Officers of the Bank.
a. Eligibility:
173. The loans granted to the borrowers relating to this case are Personal Loans. According to the Complainant, Ex.P.1643 is the Circular dated 06.06.1998 issued by the Bank relating to sanction of Personal Loans.
P.W.17-Sri.V.V.Ganiga was the AGM, Region-I, Zonal Office, SBI, Bengaluru. The Bank comes under the administrative control of the said region. P.W.17 has deposed that Personal Loans are sanctioned to Central or State Government employees or employees of Public Sector Undertakings and MNCs or employees of Profit Making Private Companies. He has identified Ex.P.1643 as the Circular issued by the Bank in this regard. P.W.3- Sri.C.R.N.Prasad was working as Branch Manager in the Bank from June 2002 to May 2005. He has also deposed that Personal Loans will be granted to State and Central Government employees, employees of the Public Sector Units and Reputed Establishments in the Private Sector 136 [Spl.C.C.92/2004-J] and also Reputed Self Employed Persons. He has also identified Ex.P.1643 as the Circular relating to sanction of Personal Loans. P.W.6-Sri.A.S.Prakash was working as Deputy Manager (Advances) in the Bank from July 2002 to June 2005. He has also deposed that Ex.P.1643 is the Circular regarding sanction of Personal Loans. Ex.P.1643 shows that State/Central Government employees, employees of Public Sector Undertakings/Reputed Profit Making Public Limited Companies and MNCs with a minimum service of 2 years are eligible for such Personal Loans. As such, contents of Ex.P.1643 corroborate the evidence of P.W.3 and P.W.17. All these witnesses have stood well in the test of Cross-examination about issue of such a Circular and eligibility criteria for grant of Personal Loans. In his Examination under Section 313 of the Cr.P.C., the Accused-1 has not disputed the said evidence.
174. In the Cross-examination, P.W.2 has stated that such a loan scheme was introduced by the Bank in the year 1999. On the basis of this answer, the learned Advocate appearing on behalf of the Accused-1 has contended that as the Scheme was introduced in the year 1999, the Circular-Ex.P.1643 issued in the year 1998 has no value and that hence, it cannot be relied upon. But, P.W.17 has stated that the Scheme for the Personal Loan was already in existence and that the details were re- iterated once again in the year 1999. There is nothing on behalf of the Accused-1 to show that such a Scheme was 137 [Spl.C.C.92/2004-J] introduced in the year 1999 only as against the undisturbed evidence of P.W.3, P.W.6 and P.W.17 coupled with the contents of Ex.P.1643. There is also nothing to show that Ex.P.1643 was withdrawn in the year 1999 or at the time of granting loans relating to this case. On considering the said undisturbed evidence and in the absence of anything contrary on behalf of the Accused-1, it has to be inferred that Ex.P.1643 was governing Personal Loan Scheme in the year 1999 also, when the Personal Loans relating to this case were sanctioned. Hence, it is not fit to accept the bare argument of the learned Advocate appearing on behalf of the Accused-1 that Ex.P.1643 is not reliable.
175. As per Ex.P.1643, only the employees of State Government, Central Government, Public Sector Undertakings, Reputed Profit Making Public Limited Companies and MNCs with a minimum service of 2 years, were eligible for obtaining Personal Loans from the Bank. In the case on hand, borrowers are the employees of various Schools as per the documents. Out of those Schools, only 3 Schools i.e., Government Urdu Primary Boys' School, Government Tamil Primary School and Government Nursery and Primary School are Government Schools and all other Schools are Private Schools. Borrowers relating to those Private Schools do not come within the purview of employees of State Government, Central Government, Public Sector Undertakings, Reputed 138 [Spl.C.C.92/2004-J] Profit Making Public Limited Companies and MNCs. As observed above, P.W.8, P.W.9, P.W.10, P.W.11, P.W.14, P.W.20 and P.W.22 were not even the employees of the Schools shown in the documents relating to them. As such, it is clear that there is clear violation of the eligibility criteria for sanction of Personal Loans to the borrowers relating to those Schools and other Private Schools. As the Accused-1 has sanctioned those loans, it is clear that he has committed illegality in sanctioning those loans in violation of Circular-Ex.P.1643.
b. Appraisal, Recommendation and Sanction:
176. P.W.17 has deposed that the procedure for sanction of Personal Loan is that the Branch Manager has to issue the Application and that after obtaining the completed Application, he has to verify the residential status, correctness of income declared and that if the amount of the loan sanctioned falls within the discretionary powers of the Branch Manager, he has to sanction the loan and report the same to the Zonal Office for the purpose of control. He has further deposed that, in the case on hand, Personal Loans are sanctioned to the Teachers of Private Schools even without verifying whether the said Teachers are working in those Schools and even without verifying their residential addresses. P.W.26-Sri.H.S.Shanmughappa was working as Accountant in the Bank from 1998 to 2000. He has deposed that the Accused-1 had processed the loan papers and sanctioned the loans to the members
139 [Spl.C.C.92/2004-J] of the Accused-5. This evidence and the evidence of P.W.4 materially corroborate the evidence of P.W.17. Though it has come out in the Cross-examination of P.W.4, P.W.5, P.W.17 and P.W.26 that Field Officer was in the Bank at the relevant point of time and that it was the duty of the Field Officer to process the Loan Application, verify the facts mentioned in the Application, prepare the Appraisal Report and submit the same to the Sanctioning Authority, they have stated that Field Officer was not involved in such process. Though P.W.26 has stated that Clerks- Sri.Ramprasad and Sri.Dattatreya assisted the Accused-1 in filling up the documents such as, Pronote, Agreements, Application Forms etc., it is not his evidence that those 2 persons participated in the process of appraisal, recommendation and sanction of loans. The Loan Applications of all the borrowers relating to this case reveal that in the majority of those Applications, it is shown that appraisal, recommendation and sanction are made by the Chief Manager of the Bank, who was the Accused-1. In some of the Loan Applications, though the columns of Appraisal and Recommendation are left blank, it is shown that the Accused-1 has sanctioned loans in respect of those Applications also, which implies that the Accused-1 has taken his own decision to sanction loan in respect of those Applications also. As such, as per the Loan Applications, the Accused-1 himself has appraised, recommended and sanctioned loans to all the borrowers. This circumstance corroborates the evidence of P.W.4 and 140 [Spl.C.C.92/2004-J] P.W.17, which fortifies the contention of the Complainant that the Accused-1 alone has completed all the formalities of sanctioning loans to all the borrowers relating to this case.
177. Though the Accused-1 has contended that on the appraisal and recommendation of the Field Officer, he sanctioned the loans, there is nothing to substantiate the same. P.W.4, P.W.5, P.W.17 and P.W.26 have categorically denied the said contention of the Accused-1. The Accused- 1 has produced Ex.D.11, which consists of Reply given by Regional Manager, Assistant General Manager and General Manager to the Application and Appeals filed by one Sri.R.Shankarappa under the Right to Information Act, 2005 seeking Copies of Field Officer's Reports. The said Reply shows that the request of that Applicant was rejected as the information sought was protected under Section 8(d) of the RTI Act. The said document does not in any way assist the Accused-1 to show that he sanctioned loans on the appraisal and recommendation of the Field Officer. If at all, the Accused-1 had acted on such appraisal and recommendation of the Field Officer, if any, nothing prevented him to mention as such in the relevant columns of the Loan Applications. But, he has not done so. This circumstance negatives his contention. On considering the evidence available on record more specifically, the endorsements made by the Accused-1 regarding appraisal, recommendation and sanction on the Loan Applications and in the absence of anything contrary 141 [Spl.C.C.92/2004-J] on behalf of the Accused-1, it has to be held that the Accused-1 alone has completed all the formalities of sanctioning loan including appraisal and recommendation part.
178. As observed above, several borrowers were not working in the Schools as shown in their Salary Certificates and several Salary Certificates as well as Undertaking Letters are forged documents. P.W.8 to P.W.15, P.W.19 to P.W.22, who are the borrowers, have deposed that they had not gone to the Bank for obtaining the loan or for any other purpose and that they have put their signatures to the loan papers in the Society. Several of those persons have stated that they have taken loan from the Society and not from the Bank. These witnesses have stood well in the test of Cross-examination and there is no reason to disbelieve their evidence. As observed above, in terms of Ex.P.1786 and Ex.P.1788, on identification and screening of the borrowers and also on the recommendation and submission of loan papers by the Accused-5 to the Bank, the loans are granted to the borrowers. Those documents show that it was an understanding between the Bank and the Accused-5 that documentation in respect of the loans had to be done in the premises of the Accused-5 itself. This circumstance fortifies the evidence of witness- borrowers, as observed above, that they signed on the loan documents in the premises of the Society and that they did not go to the Bank at all. If the Accused-1 had appraised and verified the documents and interacted with 142 [Spl.C.C.92/2004-J] the borrowers either in the Bank or in the work place or residence of the borrowers, he would have come to know about the genuineness of the documents as well as the borrowers. But, he has not done so.
179. There are apparent discrepancies in the Loan Applications, Salary Certificates, Undertaking Letters etc. Some of those discrepancies are:
In Ex.P.21, designation of the borrower- Sri.Shankar Venkatesh is shown as 'Secretary' of Good Luck Higher Primary School, whereas in Ex.P.29, his designation is shown as 'Assistant Master' of that School.
In Ex.P.54, there are over writings in the employer's column, which apparently create suspicion. In Ex.P.255, borrower's name is shown as 'Krishna Kasthuri', whereas in Ex.P.262, it is shown as 'M.Kasthuri'.
In Ex.P.263, Ex.P.272 and Ex.P.280, the borrowers are shown as undergraduates. But, in the Salary Certificates relating to them, it is shown that they are the High School Teachers. It is a matter of common knowledge that to work as a High School Teacher, minimum educational qualification must be Bachelor's Degree in Arts or Science or Commerce along with Bachelor's Degree in Education.
143 [Spl.C.C.92/2004-J] In respect of 3 borrowers i.e., Smt.Samuel Esther, Sri.Uma Shankar and Sri.N.Prabhu Das, relating to Annapurna High School, Salary Certificates are not produced.
In Ex.P.1147, designation of the borrower is shown as 'Assistant Minister', though he is said to be working in a School.
In Ex.P.1472-Loan Application of Smt.Ganesh Obalakshmi, who is said to be working as Assistant Mistress in Neharu Higher Primary School, date of birth of that borrower is shown as 17.12.1967 with an experience as 22 years as an Assistant Mistress. It is a matter of common knowledge that minimum qualification for a Teacher of Higher Primary School must be pass in PUC or 12th Class along with Diploma in Education or TCH. For completing these courses, minimum period of 14 years is required. As the date of birth of the borrower is 17.12.1967, she might have completed her education to become a Teacher in the year 1987-88 by joining School at the age of 5 years. She gets 22 years of teaching experience in the year 2009 or 2010 only. But, in the year 1999 itself, when she borrowed amount in the Bank, she has shown that she had 22 years experience as a Teacher, which is impossible to believe at any stretch of 144 [Spl.C.C.92/2004-J] imagination. It is possible to ascertain this serious defect or discrepancy by a cursory glance at the Loan Application. This defect creates a serious doubt about the age and experience shown in Loan Application and Salary Certificate.
Similar doubts arise by just cursory glance of Loan Applications of Sri.S.Shariff, Sri.M.Shivakumar & Sri.N.B.Bhaskar of the same School. Such doubtful circumstances are plenty in other loan documents also.
As observed above, in the Loan Applications and Salary Certificates, though several borrowers were shown as 'Teachers' working in various Schools, the Accused-3 has issued Undertaking Letters showing those borrowers as the employees of the Accused-5.
Several such discrepancies can be easily and apparently noticed. Furthermore, by a cursory glance of the faces of majority of the borrowers available in the Photos attached to the Loan Applications, a serious doubt arises as to whether those borrowers were actually working as shown in Loan Applications and Salary Certificates. If at all, the Accused-1 had verified and scrutinized the documents or if at all, he had met the borrowers to do an interaction, he would have known about the genuineness of the documents as well as the borrowers. But, such verification and scrutiny is not done.
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180. It is pertinent to observe here that the Bank wrote a Letter-Ex.D.36 on 30.10.2001 stating that the borrowers introduced by the Accused-5 are not traceable. To that Letter, the Accused-3, as a Secretary of the Society, has given Reply as per Ex.D.37. In that Reply, he has stated that the Bank sanctioned loans without verification and identification and even without taking surety. This Reply fortifies the contention of the Complainant that without verification and identification, the Accused-1 has sanctioned loans to the borrowers illegally. Hence, it is clear that the Accused-1 has committed serious illegality in sanctioning loans without proper verification and identification.
c. Disbursement:
181. Though all the loans were sanctioned individually in the name of the borrowers and though initially sanctioned loan amounts were credited to the individual Loan Accounts of the borrowers, subsequently, those loan amounts have been credited to the Account of the Accused-5 on the Authorisation Letters said to have been given by the borrowers. As per the Authorisation given by the Accused-5, the Accused-3 and Smt.M.Meena Kumari have withdrawn those amounts. Cheques- Ex.P.1644 to Ex.P.1706 and Pay-in-Slips-Ex.P.1707, Ex.P.1708, Ex.P.1714 to Ex.P.1737 show the same. These facts show that the borrowers did not receive the loan amounts personally from the Bank.
146 [Spl.C.C.92/2004-J]
182. It is the contention of the Accused-3 that the Society disbursed the loan amounts to all the borrowers subsequently. Though there are Promissory Notes in all the loan documents said to have been executed by the borrowers in favour of the Accused-5 promising to repay the loan amount to the Society, there is no document to show as to the exact amount given by the Society to the Borrowers. P.W.8 and P.W.21 have deposed that they received Rs.50,000/- from the Accused-3. But, P.W.9 has stated that though his signatures were taken by the Accused-3 to the documents, not a single rupee was given to him. P.W.10, P.W.12 and P.W.15 have deposed that out of Rs.50,000/-, only Rs.40,000/- was given to them. P.W.11 has deposed that out of Rs.50,000/-, only Rs.30,000/- was given to him. P.W.13, P.W.14 and P.W.20 have deposed that out of Rs.50,000/-, only Rs.45,000/- was given to them. P.W.19 and P.W.22 have deposed that out of Rs.50,000/-, only Rs.38,000/- was given to them. These witnesses have stood well in the test of Cross- examination. There is nothing on behalf of the Accused-2, 3 and 5 to rebut or disbelieve the said evidence. In the absence of such material and keeping in view the undisturbed evidence of all these borrowers, it has to be inferred that some of the borrowers did not receive full loan amount from the Society, though loan amount was credited by the Bank to the Account of the Society, which was subsequently withdrawn by the Accused-3 and Smt.M.Meena Kumari.
147 [Spl.C.C.92/2004-J]
183. Though the loan amounts were credited to the Society Account from the individual loan Accounts of the borrowers as per the Authorization Letters said to have been given by the borrowers, necessity of such credit is not explained by the Accused-1, 2, 3 and 5. As all the borrowers are said to be educated and working class, as per the Loan Applications, there was no impediment for them to withdraw the loan amount directly from their loan Accounts of the Bank. As all the loans were granted for the purpose of purchasing consumer durables, such as T.V., Refrigerator, Washing Machine etc., nothing prevented the Accused-1 to make arrangements for payment of loan amount directly to the seller of consumer durables to prevent misuse of the loan amount. There is no explanation from the Accused-1, 2, 3 and 5 in this regard. Absence of this explanation, absence of material to show actual payment of loan amount to the borrowers by the Society, the undisturbed evidence of some of the borrowers as observed above, illegalities committed by the Accused-1 and forgery committed by the Accused-3, 4 and others, create a serious doubt about disbursal of loan amount actually to the borrowers by the Society. This circumstance also shows the illegality committed by the Accused-1 in not allowing the borrowers to receive the entire loan amount directly from the Bank and allowing the Accused-3 and Smt.M.Meena Kumari to withdraw those loan amounts.
148 [Spl.C.C.92/2004-J]
184. P.W.26 has deposed that he had authority to pass Cheques upto Rs.5 Lakhs and that in respect of Cheques above Rs.5 Lakhs, details of the Cheques have to be mentioned in the Cash Monitoring Register and that to avoid the same, Cheques have been drawn for less than Rs.5 Lakhs by the Society. He has further deposed that in respect of Cheque-Ex.P.1644, which was for Rs.24,50,000/-, he objected for passing the same since he did not see the Account Opening Form and Loan Sanctioned Letter and also about the authorised signatories of the Society. He has further deposed that when he sent back that Cheque to the Accused-1, the Accused-1 authorised to pay the Cheque by putting his initials and that on the basis of that authorization, he passed that Cheque. He has further deposed that he has noted down his Objections as per Ex.P.1644(a) in that Cheque. Contents of that Cheque fortify the evidence of P.W.26. He has further deposed that, since he had objected passing of Ex.P.1644, which was above Rs.5 Lakhs, the Accused-1 insisted the authorised signatories of the Society to draw Cheques for less than Rs.5 Lakhs. This witness has stood well in the test of Cross- examination and there is no reason to disbelieve his evidence. This evidence of P.W.26 shows that the Accused- 1 wanted to make a favour to the authorised signatories of the Society i.e., the Accused-3 and Smt.M.Meena Kumari in the matter of disbursal of loan amounts. On considering this circumstance and other facts and circumstances of the 149 [Spl.C.C.92/2004-J] case, it appears that only to favour the Accused-3 and his associates, the Accused-1 has permitted to credit the loan amounts from the loan Accounts of the borrowers to the Account of the Society under the guise of Authorization Letter. This circumstance also further fortifies the illegalities of the Accused-1.
d. Memorandum Of Understanding (MOU):
185. As observed above, MOU as per Ex.P.1786 was entered into by the Accused-1 on behalf of the Bank and by the Directors of the Society including the Accused-2 and 3 on behalf of the Accused-5 relating to loans pertaining to this case. According to the Complainant, without approval by the competent authority, the Accused-1 has entered into such a document illegally. P.W.4 and P.W.17 have deposed the said fact. But, it is not shown as to under which Provision, Circular or Guidelines, it was necessary to obtain approval by the competent authority. Ex.P.1643 also does not show anything about necessity of taking prior approval from the competent authority to enter into such an MOU. Nothing is placed by the Complainant to show violation of any Circular or Guidelines or practice by the Accused-1 about entering into such an MOU. As per the terms of MOU, the Accused-5 has stood as Guarantor or Co-obligant to the loans of all the borrowers, which is in fact beneficial to the Bank, if MOU is fit for execution.
Terms of MOU do not show that those terms cannot be executed in accordance with law. Hence, it is not fit to 150 [Spl.C.C.92/2004-J] accept the bare contention of the Complainant that the Accused-1 has acted illegally in entering into such an MOU.
e. Conclusion:
186. The learned Advocate appearing on behalf of the Accused-1 has contended that as the Field Officers and Clerks were involved in the process of the loans, their evidence is very material to know the real facts about appraisal, recommendation and sanction of loans and that as those persons are not examined, which is fatal to the case of the Complainant, an adverse inference has to be drawn against the Complainant. As observed above, the evidence on record shows that the Accused-1 alone has dealt with the formalities of appraisal, recommendation and sanction of loans and that Field Officer was not involved in that process. In the Cross-examination, P.W.26 has deposed that Clerks-Sri.Ramprasad and Sri.Dattatreya assisted the Accused-1 in filling up the documents such as, Pronote, Agreements, Application Forms etc. However, it is not his evidence that those 2 persons participated in the process of appraisal, recommendation and sanction of loans. As such, as there is no involvement of Field Officers or Clerks in the process of appraisal, recommendation and sanction of loans, question of examining those persons does not arise and non-examination of those persons has not prejudiced the Accused-1 in any manner. Hence, it is not fit to accept the argument of the learned Advocate appearing on behalf of the Accused-1 that non-
151 [Spl.C.C.92/2004-J] examination of the Field Officer and Clerks is fatal to the case of the Complainant.
187. The learned Advocate appearing on behalf of the Accused-1 has contended that the Accused-1 has submitted Control Forms immediately to the Zonal Office for approval after sanctioning loans and that the same have been approved. It is also his contention that the Accused-1 has also submitted periodical returns to the Zonal Office and that higher Officers have visited the Bank for inspection and that there were no objections raised by the Zonal Office or higher Officers about sanction of loans and that as such, it has to be held that there is no illegality on the part of the Accused-1 in sanctioning the loans. P.W.3 to P.W.5 have deposed that the Accused-1 has submitted Control Forms to the Zonal Office immediately after sanction of loans. P.W.4 has stated that those Control Forms were returned by the Zonal Office after approval. P.W.4 has also stated about submission of periodical returns by the Accused-1. P.W.3 has stated that AGM visits the Branch periodically, makes surprise visits also and that he would note down his observations. The Accused-1 has produced Copies of Control Forms as per Ex.D.8 and Ex.D.93. These documents indicate about intimation of name and address of the borrowers, date of sanction of loan, loan limit, rate of interest, terms of repayment, salary of the borrower and security particulars. Endorsements of the AGM on these documents show that 152 [Spl.C.C.92/2004-J] those particulars were noted for control. These documents do not indicate that Copies of Loan Application, Salary Certificate, Undertaking Letter, MOU-Ex.P.1786, Letter- Ex.P.1788 etc., relating to the borrowers, more particularly the documents, which were apparently forged as observed above, were sent to the Zonal Office for scrutiny. As such, the Zonal Office had no occasion to verify those documents and to approve the appraisal, recommendation and sanction of loans by the Accused-1 as legal. The Accused- 1 has produced Copy of Visit Book Extract as per Ex.D.9, which indicates visit of C.W.40-Sri.P.S.Lourdhanathan, AGM to the Bank on 18.02.1999, 27.07.1999 and 28.01.2000. His observations in the 1st Sheet are not legible. The 2nd Sheet shows that C.W.40 has observed that there was some slackness in the business of the Bank, particularly in deposits and opening of 500 SB Accounts and that there was need for improvement etc. In the 3rd Sheet, C.W.40 has observed that there was phenomenal growth in the advances. All these observations do not show that during that visit C.W.40 verified the documents relating to Personal Loans and approved the action of the Accused-1. Even periodical returns are nothing but just submission of statistical returns by the Bank to the higher authorities. Those returns do not show actual state of affairs as to what had happened during appraisal, recommendation and sanction of loans. There is nothing to show that higher authorities of the Accused-1 have approved and ratified all the illegalities, as observed 153 [Spl.C.C.92/2004-J] above, committed by the Accused-1. Hence, it is not fit to accept the bare argument of the learned Advocate appearing on behalf of the Accused-1 that there are no illegalities on the part of the Accused-1.
188. The learned Advocate appearing on behalf of the Accused-1 has contended that Banking acts, which are official in nature, are presumed to be regularly performed as contemplated under Section 114, Illustration (e) of the Evidence Act, 1872 and that there is nothing to show that there was any departure from usual course of business adopted in the Bank and that as such, the said presumption vindicates the acts of the Accused-1, which negatives the allegations of illegalities made against him. In support of his contention, the learned Advocate appearing on behalf of the Accused-1 has relied upon a decision in the case of Poornaprajna House Building Society -Vs- Bailamma @ Dodda Bailamma and Others (ILR 1998 KAR 1441), wherein it is held that official acts are presumed to have been regularly performed under Section 114, Illustration (e) of the Evidence Act, 1872 and that the said presumption is, however, rebuttable. The learned Public Prosecutor did not dispute the said legal position. Though such a presumption about performance of official acts is available, it is rebuttable. As observed above, the evidence available on record clearly shows that the Accused-1 did not perform his official acts in the manner which they ought to have been done. The said evidence rebuts the presumption available under Section 154 [Spl.C.C.92/2004-J] 114 of the Evidence Act, 1872. Hence, it is not fit to accept the argument of the learned Advocate appearing on behalf of the Accused-1 that by virtue of the said presumption, it has to be held that the Accused-1 has not committed any illegalities as alleged.
189. The learned Advocate appearing on behalf of the Accused-1 has contended that there were targets set for the Accused-1 by the AGM as the Bank was constitutionally obliged to cater to the needs of the under- privileged sections of the Society and that for sanction of Personal Loans, outer limit of just 4 weeks was fixed and that as such, he had to complete all the formalities of sanctioning of Personal Loans to more than 668 persons within the time constraint. It is true that P.W.5 has admitted in his evidence that Zonal Office has fixed 4 weeks time for sanction of Personal Loans. Merely because such time was fixed, merely because there was work load to the Accused-1 and there was obligation to cater to the needs of the under-privileged sections of the Society and merely because members of the Accused-5 belonged to the SC and ST Community, it is not permissible to the Accused-1 to go out of the way to sanction loans. Hence, it is not fit to accept the argument of the learned Advocate appearing on behalf of the Accused-1 that target fixed and time restraint made by the Zonal Office has affected the work of the Accused-1 in sanctioning the loans relating to this case.
155 [Spl.C.C.92/2004-J]
190. On considering all the facts, circumstances and the evidence available on record, as observed above, it is clear that the Accused-1 has committed severe grave illegalities in appraisal, recommendation, sanction and disbursal of the loans relating to this case by violating the Circular and Norms and also by going out of the way to help the Accused-3 and his associates.
IV. Role Of The Accused-2, 5, 6 And 7
191. It is not in dispute that the Accused-2 was the President of the Accused-5 at the relevant point of time. Except taking part in entering into MOU and authorizing the Accused-3 and Director-Smt.M.Meena Kumari to operate the Account of the Accused-5 in the Bank, he did not take any part in the loan transactions relating to this case. None of the witnesses examined on behalf of the Complainant has stated against the Accused-2. There is nothing to show that the Accused-2 has committed any acts relating to any of the illegalities alleged in this case. Hence, he cannot be held liable for any of the illegal acts relating to this case.
192. Though the transactions relating to this case have been made in the name of the Accused-5, those transactions have been made by the Accused-3 under the guise of his post as Secretary of the Accused-5. Though the Accused-5 authorised the Accused-3 to do transactions, he was not authorised to do any illegal acts 156 [Spl.C.C.92/2004-J] on behalf of the Society. As such, the Accused-5 cannot be held liable for the illegal acts done by the Accused-3 and others in the name of the Accused-5. None of the witnesses examined on behalf of the Complainant has stated against the Accused-5. There is nothing to show that the Accused-5 has committed any acts relating to any of the illegalities alleged in this case.
193. Though it is alleged that the Accused-6 was an employee of the Accused-5 and that he assisted the Accused-3, 4 and Smt.M.Meena Kumari in creating false Salary Certificates and false Undertaking Letters and that to use those documents as genuine documents for obtaining loans, no material is placed to substantiate the same. Though P.W.14 and P.W.15 have stated that the Accused-6 filled up the loan documents, it is not their evidence that he did take any role in respect of false Salary Certificates or false Undertaking Letters. Hence, the Accused-6 cannot be held responsible for creating false documents and using of those documents by the Accused- 3, 4 and Smt.M.Meena Kumari. There is nothing to show that the Accused-6 has committed any acts relating to any of the illegalities alleged in this case.
194. It is alleged that the Accused-7 associated with the Accused-3 and that he liaisoned with the Bank for arranging loans in the names of fictitious borrowers. But, none of the witnesses examined on behalf of the Complainant has whispered anything about the said 157 [Spl.C.C.92/2004-J] allegation much less against the Accused-7. There is no documentary evidence also in support of the said allegation. As such, there is no evidence to show about the role of the Accused-7 in respect of the alleged illegalities in this case.
V. Loss And Gain
195. On behalf of the Bank, the Accused-1 granted Personal Loans to an extent of Rs.3.34 Crores in the names of 668 persons relating to this case. According to the Complainant, due to the illegal acts of the Accused-1 to 7, the Bank sustained loss to an extent of Rs.106.53 Lakhs as 200 loans among those 668 loans gone bad as those borrowers were untraceable. P.W.17 has deposed the said fact. Ex.D.7, Ex.D.13 to Ex.D.92 consist of correspondences between the Bank, the Accused-5 and Deputy Registrar of Co-operative Societies. Those documents also contain Awards passed by the Deputy Registrar of Co-operative Societies in some of the disputes filed by the Accused-5 against some borrowers for recovery of dues. Ex.D.12 contains a list of 27 borrowers against whom cases are filed for recovery of dues. Apart from those documents, the Accused-2 to 5 have produced Copies of Judgments passed by the City Civil Court against 3 borrowers decreeing the suits filed by the Bank against those borrowers, but, rejecting the Plaint against the Accused-5. All those records show that inspite of such steps taken, only a sum to an extent of Rs.1.16 Crores out 158 [Spl.C.C.92/2004-J] of Rs.3.34 Crores was recovered and entire dues could not be recovered by the Bank as some of the borrowers remained untraced. Majority among the defaulters are 208 borrowers relating to this dispute and majority among those defaulters are untraced. As observed above, documents relating to several borrowers among those 208 borrowers are forged. Though there is an undertaking by the Accused-5 by virtue of MOU for repayment of the loans to the Bank, correspondence made by the Bank and the Accused-5, referred to above, shows that financial position of the Accused-5 is not good and in fact, the Accused-5 himself has sought arbitration expenses from the Bank for filing disputes for recovery of dues from the borrowers. As such, there is no chance of recovery of dues from the borrowers. Thus, the Bank has sustained a huge loss to an extent of more than One Crore Rupees. This loss is due to creation of false Salary Certificates and false Undertaking Letters by the Accused-3, 4 and others, as observed above, and using of those documents by them for availing loans from the Bank. For such a loss, there is equal contribution by the Accused-1 as he accepted those forged documents without checking and scrutinizing the same and as he sanctioned loans illegally without proper identification of the borrowers and without proper processing and appraising. As observed above, loan amounts did not go to the hands of the borrowers directly as though the loan amounts went to the loan Accounts of the borrowers, those amounts went to the hands of the 159 [Spl.C.C.92/2004-J] Accused-3 and Smt.M.Meena Kumari under the guise of Authorization Letters. Though some of the borrowers received amount from the Accused-3, they did not receive entire loan amount sanctioned and disbursed by the Bank. As observed above, the Accused-3 has played a major and leading role in all these loan transactions. The Accused-4 is the wife and she has actively supported the Accused-3 by creating documents. Smt.M.Meena Kumari was one of the Directors of the Society and she has also created false documents for the purpose of availing loan facility. As such, it has to be inferred that the Accused-3, 4, Smt.M.Meena Kumari and some of the borrowers are the beneficiaries of the Personal Loans sanctioned by the Accused-1. Thus, it is clear that the loss sustained by the Bank is a gain or pecuniary advantage to the Accused-3, 4, Smt.M.Meena Kumari and others.
VI. Conclusion
196. The discussion made by appreciating the facts, circumstances and the evidence available on record, as observed above, show that:
The Accused-3 and 4 have created several false Undertaking Letters and Salary Certificates in the names of several borrowers relating to this case. As all these false documents are created in order to obtain Personal Loans 160 [Spl.C.C.92/2004-J] from the Bank i.e., to support the claim of loan or causing the Bank to part with loan money, it is clear that the Accused-3 and 4 have forged all those documents for the purpose of cheating the Bank and that they have used those documents as genuine documents for availaing loans from the Bank knowing fully well that those documents are forged documents.
The Accused-1 has committed grave illegalities in the matter of processing and appraising the loan papers and also in the matter of recommending, sanctioning and disbursing Personal Loans and also accepting forged Salary Certificates and Undertaking Letters without any scrutiny or verification and even without making any personal interaction with the borrowers, in gross violation of Circular and Guidelines of the Bank. Thus, there is clear abuse of his position as a Public Servant by the Accused-1 to 161 [Spl.C.C.92/2004-J] help the Accused-3, 4 and others by going out of way.
The illegal acts of the Accused-1, 3 and 4, referred to above, have deceived the Bank and induced the Bank fraudulently and dishonestly to part with the loan amounts in the name of the borrowers and thus, there is cheating by the Accused-1, 3 and 4.
The Bank has suffered loss to an extent of more than One Crore Rupees as the said amount could not be recovered, due to the illegalities committed by the Accused-1, 3 and 4. The said loss is wrongful gain or pecuniary advantage to the Accused-3, 4 and others. For the said loss to the Bank and wrongful gain or pecuniary advantage to the Accused-3, 4 and others, there is contribution on the part of the Accused-1 by way of abuse of his position as Public Servant. Except the relationship of Bank Manager and Customers in between the 162 [Spl.C.C.92/2004-J] Accused-1 on the one hand and the Accused-3, 4 and others on the other hand, there is no other relationship between them. As such and on considering the manner in which the Accused-1 abused his official position, it has to be inferred that except to obtain pecuniary advantage for himself and also the Accused-3, 4 & others, there could not be any other purpose or motive or intention for the Accused-1 in sanctioning and disbursing loans in the name of borrowers relating to this case with the help of the Accused-3 and 4 illegally by going out of the way and violating banking norms. Hence, it is clear that the Accused-1 also obtained pecuniary advantage by misusing or abusing his position as Public Servant by way of sanctioning and disbursing loans illegally.
Without prior meeting of minds of the Accused-1, 3 and 4, it is impossible to do the illegal acts referred to above. Role played by 163 [Spl.C.C.92/2004-J] the Accused-1, 3 and 4 starting from leaving the responsibility of identification and screening the borrowers to the Society, more specifically to the Accused-3, preparing the loan documents outside the Bank i.e., in the premises of the Society itself, forgery committed by the Accused-
3, 4 and their associates and accepting those forged documents by the Accused-1 without any scrutiny or verification or interaction with the borrowers, sanctioning of Personal Loans in the names of non-eligible persons, allowing the Accused-3 and Smt.Meena Kumari to withdraw the loan amounts sanctioned in the name of the borrowers, though it was unnecessary, under the guise of Authorisation Letter etc., and all other illegalities committed by the Accused-1, 3 and 4 in respect of Personal Loans and all other facts and circumstances of the case, as observed above, clearly indicate such a meeting of minds and illegal 164 [Spl.C.C.92/2004-J] agreement between the Accused-1, 3 and 4 to cheat the Bank by way of forgery and using of forged documents.
However, there is no evidence to show about involvement of the Accused-2, 5, 6 and 7 in the illegalities committed by the Accused-1, 3 and 4.
197. The learned Advocate appearing on behalf of the Accused-1 has contended that as the Accused-1 retired from the service after Vigilance Clearance, the Complainant ought not to have filed the Charge Sheet against him. In support of his arguments, the learned Advocate appearing on behalf of the Accused-1 has relied upon the evidence of P.W.1 at Page-2 and Para-1, the evidence of P.W.23 at Page-11 and the evidence of P.W.24 at Page-29. He has also relied upon a decision in the case of P.S.Rajya -Vs- State of Bihar [JT 1996(6) Page- 480].
198. In Page-2 of Para-1 of the evidence of P.W.1, except stating that the Accused-1 was retired by the time when he lodged Complaint as per Ex.P.1, P.W.1 has not whispered anything about Vigilance Clearance prior to retirement of the Accused-1. In Page-11 of the evidence of P.W.23, he has stated as "I do not know the Vigilance 165 [Spl.C.C.92/2004-J] Clearance of A1 retirement". So also, in his evidence at Page-29, P.W.24 has stated that he does not know that whether the Vigilance Department of the Bank had given clean chit to the Accused-1. These witnesses have not stated that Vigilance Department of the Bank exonerated or given clean chit to the Accused-1 about the allegations of the illegalities relating to this case.
199. In the case of P.S.Rajya, referred to above, the Hon'ble Supreme Court of India quashed the Criminal Proceedings against the Accused of that case by observing that, the Standard of proof required to establish the guilt in a Criminal Case is far higher than the standard of proof required to establish the guilt in the Departmental Proceedings, the Charge in the Departmental Proceedings and in the Criminal Proceedings is one and the same and that, for if the Charge, which is identical, could not be established in a Departmental Proceedings and in view of the admitted discrepancies in the Reports submitted by the Valuers, one wonders what is there further to proceed against the Accused in Criminal Proceedings.
200. In that case, on considering the fact that the Accused was exonerated from the Charge in the Departmental Proceedings and that the Charge in the Criminal Proceedings was identical to the said Charge in the Departmental Proceedings and that there were admitted discrepancies in the Valuation Reports, the Hon'ble Supreme Court of India quashed the Criminal Proceedings at the initial stage itself. But, no such 166 [Spl.C.C.92/2004-J] Departmental Proceedings were held against the Accused-1 in this case exonerating him from the Charges leveled similar to those of the Charges framed in this case. Furthermore, in the case of State (NCT of Delhi) -Vs- Ajay Kumar Tyagi[(2012) 9 Supreme Court Cases 685], the Hon'ble Supreme Court of India has observed as follows:
"Exoneration in the Departmental Proceedings ipso facto would not result in the quashing of criminal proceedings. However, if the Prosecution against an Accused is solely based on a finding in a proceeding and that finding is set aside by the superior authority in the hierarchy, the very foundation goes and the Prosecution may be quashed. But, that principle will not apply in the case of the Departmental Proceedings as the criminal trial and the Departmental Proceedings are held by 2 different entities and they are not in the same hierarchy".
While holding so, the Hon'ble Supreme Court of India has concurred with the decision in the case of State -Vs- M.Krishna Mohan, reported in (2007) 14 SCC 667, wherein it is held that, the decision in the case of P.S.Rajya was rendered on peculiar facts obtaining therein and that reliance of the High Court on that ruling was totally uncalled for as the factual situation in that case was entirely different than the one prevalent in the 167 [Spl.C.C.92/2004-J] present case. Hence, even if such Vigilance Clearance had been given to the Accused-1 before his retirement, he cannot escape from facing trial in the criminal case relating to his criminal liability. As such, it is not fit to accept the bare argument of the learned Advocate appearing on behalf of the Accused-1 that filing of Charge Sheet against the Accused-1 is unwarranted.
201. The learned Advocate appearing on behalf of the Accused-1 has contended that C.W.40- Sri.Lourdhanathan being the AGM and Controlling Authority working in the Zonal Office had a central role to play in the sanction of loans and that though he is a crucial witness to this case and that though his Statement has been recorded by the Investigating Officer under Section 161 of the Cr.P.C., the Complainant did not examine him and even did not furnish Copy of his Statement to the Accused-1, which has caused prejudice to the Accused-1 and that as such, the trial itself stands vitiated. In support of his argument, the learned Advocate appearing on behalf of the Accused-1 has relied upon the decisions in the cases of Jahid Shaik and Others -Vs- State of Gujarat and Another [(2011) SC 762] and Sri.A.K.Shaya Sanjeev
-Vs- Gangaraju [2015 (3) AKR 307 (DB)].
202. The first case relates to a Transfer Petition filed under Section 306 of the Cr.P.C., on the ground of bias and prejudice. In that case, without furnishing Copies of 168 [Spl.C.C.92/2004-J] Charge Sheet and all the relevant documents relied upon by the prosecution under Sections 207 and 208 of the Cr.P.C., to some of the Accused, Charges were framed by the trial Court. In that case, several Accused were not represented by their Advocates and Copies furnished to them were not in the language known to those Accused. Apart from that, in that case, there were several other incidents showing bias in favour of the prosecution and prejudice against the Accused. Under those circumstances, the Supreme Court held that all those facts come in the way of free and fair trial, which is a sine qua non of Article- 21 of the Constitution of India. In the second case, which relates to an offence punishable under Sections 307 r/w. 149 of the IPC, the Investigating Officer though recorded Statements of independent witnesses residing nearby the scene of offence, did not produce those Statements and did not cite those persons as witnesses. Under such circumstance, the Hon'ble High Court of Karnataka has observed that the prosecution was not fair enough in placing the evidence.
203. In the case on hand, it is true that C.W.40 was AGM working in Zonal Office, he received Control Forms relating to the loans pertaining to this case and he made visits to the Bank in his official course of business. But, he has no role in the proposal, appraisal, recommendation and sanction of loans relating to this case as it has been done by exclusively by the Accused-1. Though he received 169 [Spl.C.C.92/2004-J] Control Forms and other Periodical Returns from the Bank relating to statistical information about the loans, he had no opportunity to verify the loan documents or the process undertaken by the Accused-1 in sanctioning loans. As such, he is not a material witness relating to the illegal acts committed by the Accused-1 in the proposal, appraisal, recommendation, sanction and disbursal of loans. Hence, non-examination of C.W.40 has not caused any prejudice to the Accused-1. As he is not examined, non-furnishing of Copy of his Statement did not affect the defence of the Accused-1 in any manner. Merely on the ground that C.W.40 is not examined, other sufficient evidence available against the Accused-1 cannot be discarded. Facts and circumstances of this case are totally different from those of the decisions relied upon by the learned Advocate appearing on behalf of the Accused-1. Hence, they are of no assistance to him.
204. The learned Advocate appearing on behalf of the Accused-1 has contended that in a similar case, i.e., V.Dilip Kumar and Others -Vs- State represented by Deputy Superintendent of Police [Criminal Appeal Nos.216, 198 and 205 of 2006], Madras High Court has given Judgment of acquittal and that hence, the Accused-1 has to be held as not guilty of the alleged offences. Though facts of that case appear to be somewhat similar to those of this case, evidence and other circumstances placed in that case materially differ from 170 [Spl.C.C.92/2004-J] those of this case. In that case, though the borrowers were alleged to be fictitious persons, there was evidence that the Accused-Manager of the Bank had followed all the procedures adopted by the Bank while sanctioning the loans and that he had relied upon the Enquiry Report of the Rural Development Officer of the Bank in respect of the borrowers. By appreciating the said evidence and other circumstances, the Court held that the Bank Manager was not guilty in sanctioning loans. In the case on hand, the Accused-1 alone dealt with all the formalities of sanctioning loan, but, he did not follow the Circular, Guidelines and Procedures adopted by the Bank. It has come out in the evidence, as observed above, that the Accused-1 has committed serious illegality in sanctioning and disbursing loans. As such, the decision relied upon by the learned Counsel for the Accused-1 does not assist him to substantiate his argument.
205. The learned Counsel for the Accused-2 to 5 has contended that as forgery is not established, as transactions are genuine, as the Society has taken steps for recovery of dues from the borrowers and that the Society has cleared dues to an extent of Rs.2 Crores, merely because some of the borrowers did not repay the amount in time, the Accused-2 to 5 cannot be held guilty. But, as observed above, forgery is established in respect of several borrowers, which shows that the transactions relating to those borrowers are not genuine. As observed 171 [Spl.C.C.92/2004-J] above, due to the said illegal acts of the Accused-1, 3 and 4, the Bank has sustained huge loss and there is no chance of recovery of such loss inspite of initiating recovery proceedings. Hence, it is not fit to accept the arguments of the learned Counsel for the Accused-2 to 5.
206. In the case on hand, from the proved facts, as observed above, the one and only inference that could be drawn is that the Accused-3 and 4 entered into an illegal agreement with the Accused-1, to Cheat the Bank by way forgery and using of forged documents, within the meaning of Criminal Conspiracy defined under Section 120-A of the IPC, which is punishable under Sections 120-B r/w. 420, 468 & 471 of the IPC and Sections 13(2) r/w. 13(1)(d)(ii) of the PC Act; and that in pursuance of that Criminal Conspiracy, the Accused-3 and 4 forged the Salary Certificates and Undertaking Letters relating to several borrowers for the purpose of cheating the Bank, which is an offence punishable under Section 468 of the IPC; and that the Accused-3 and 4 fraudulently and dishonestly used those forged documents as genuine documents, knowing fully well that those documents were forged, for the purpose of cheating the Bank, which is an offence punishable under Section 471 of the IPC; and that by their illegal acts, the Accused-1, 3 and 4 cheated the Bank by dishonestly inducing the Bank to part with Personal Loans money in the name of the borrowers, which remained unpaid and unrecovered resulting in wrongful loss of more than One Crore Rupees and subsequent 172 [Spl.C.C.92/2004-J] interest to the Bank, which is an offence punishable under Section 420 of the IPC and that the Accused-1 obtained pecuniary advantage for himself, as well as the Accused-3, 4 and others, by misusing his official position as Public Servant within the meaning of Criminal Misconduct defined under Section 13(1)(d)(ii) of the PC Act, which is punishable under Section 13(2) of the PC Act. All the facts, which are proved against the Accused-1, 3 and 4, are wholly inconsistent with the innocence of the Accused- 1, 3 and 4 as contended by them and on the other hand, they are consistent only with their guilt. In the said evidence placed on record by the Complainant, it is not possible to pin point any doubt, which cuts the root of the case of the Complainant. As such, it is clear that guilt of the accused-1,3 and 4 is proved beyond all reasonable doubts and hence, question of giving benefit of doubt to the Accused-1, 3 and 4 does not arise.
207. But, as observed above, Sanction under Section 197(1) of the Cr.P.C., is not taken to prosecute the Accused-1 for the IPC offences i.e., Sections 120-B r/w. 420, 468 & 471 of the IPC and Sections 13(2) r/w. 13(1)(d)(ii) of the PC Act and also Section 420 of the IPC. As such, taking of cognizance and prosecution against the Accused-1 for those offences is not maintainable and hence, he cannot be held guilty for those IPC offences. However, as Sanction is not necessary to prosecute the Accused-1 for the offence punishable under Sections 13(2) r/w. 13(1)(d)(ii) of the PC Act and as the evidence on 173 [Spl.C.C.92/2004-J] record shows that he is guilty for the said offence, he has to be held guilty for that offence.
208. Further, the evidence on record does not show the illegalities alleged against the Accused-2, 5, 6 and 7 and hence, they cannot be held guilty for the alleged offences.
209. For all the above reasons, it is clear that the Accused-1 is guilty of the offence punishable under Sections 13(2) r/w.13(1)(d)(ii) of the PC Act and he is not guilty of the IPC offences i.e., offences punishable under Sections 120-B r/w. 420, 468 & 471 of the IPC and Sections 13(2) r/w.13(1)(d)(ii) of the PC Act and also substantive offence punishable under Section 420 of the IPC and the Accused-3 and 4 are guilty of the offence punishable under Sections 120-B r/w. 420, 468 & 471 of the IPC and Sections 13(2) r/w.13(1)(d)(ii) of the PC Act and also substantive offence punishable under Sections 420, 468 and 471 of the IPC. Further, it is also clear that the Accused-2, 5, 6 and 7 are not guilty of the offence punishable under Sections 120-B r/w. 420, 468 & 471 of the IPC and Sections 13(2) r/w.13(1)(d)(ii) of the PC Act and also substantive offence punishable under Sections 420 and 471 of the IPC. Accordingly, Point-3 and Point-6 are answered in the Affirmative and Point-2, Point-4 and Point-5 are answered in the Affirmative against the Accused-3 & 4 and in the Negative against the Accused-1, 2, 5, 6 & 7.
174 [Spl.C.C.92/2004-J] POINT-7
210. In view of the above findings given on the Points-1 to 6, it is clear that the Accused-1, 2, 5, 6 and 7 are not guilty of the offence punishable under Sections 120-B r/w. 420, 468 and 471 of the IPC and Sections 13(2) r/w. 13(1)(d)(ii) of the PC Act and also substantive offence punishable under Sections 420 and 471 of the IPC and hence, they are entitled for acquittal for those offences. But, the Accused-1 is guilty of the offence punishable under Sections 13(2) r/w. 13 (1)(d)(ii) of the PC Act and the Accused-3 and 4 are guilty of the offence punishable under Sections 120-B r/w. 420, 468 and 471 of the IPC and Sections 13(2) r/w. 13(1)(d)(ii) of the PC Act and also substantive offence punishable under Sections 420, 468 and 471 of the IPC and hence, they are liable for conviction and punishment for those offences. In the result, the following Order is passed:
ORDER
1. Under Section 248(1) of the Cr.P.C., 1973, the Accused-1, 2, 5, 6 and 7 are acquitted from the Charge for the offence punishable under Sections 120-B r/w. 420, 468 and 471 of the Indian Penal Code, 1860 and Sections 13(2) r/w. 13(1)(d)(ii) of the Prevention of Corruption Act, 1988 and also from the Charge of substantive offence 175 [Spl.C.C.92/2004-J] punishable under Sections 420 and 471 of the Indian Penal Code, 1860 and they are set at liberty relating to those offences.
2. Under Section 248(2) of the Cr.P.C., 1973:
i. The Accused-1 is convicted for the offence punishable under Sections 13(2) r/w. 13(1)(d)(ii) of the Prevention of Corruption Act, 1988;
ii. The Accused-3 and 4 are convicted for the offence punishable under Sections 120-B r/w. 420, 468 & 471 of the Indian Penal Code, 1860 and Sections 13(2) r/w.13(1)(d)(ii) of the Prevention of Corruption Act and also for the substantive offence punishable under Sections 420, 468 and 471 of the Indian Penal Code, 1860;
3. Sentence will be passed after hearing the Accused-1, 3 and 4 on the question of sentence.
(Computerised by the Judgment Writer to my dictation, revised, corrected and then pronounced by me in the Open Court on this the 28th day of January 2017.) (ASWATHA NARAYANA) XLVII Additional City Civil & Sessions Judge and Special Judge for CBI Cases, Bengaluru.
176 [Spl.C.C.92/2004-J] Date: 28.01.2017:
Again called. On the question of sentence, the following Order is pronounced:
ORDER ON SENTENCE
211. Heard the learned Public Prosecutor, the Accused-1, 3 & 4 and their Counsels regarding sentence to be imposed on the Accused-1, 3 & 4. Records Perused.
212. The learned Advocate appearing on behalf of the Accused-1 submitted that the Accused-1 is retired from the service and that he being a senior citizen aged 73 years is the first offender, he has no criminal background, he lost his wife, he is suffering from various ailments, he has already suffered punishment by attending the Court since 2004 and that as such, lenient view may be taken while imposing sentence on the Accused-1. The learned Advocate appearing on behalf of the Accused-3 and 4 submitted that the Accused-3 and 4 are also the first offenders, they have also no criminal background, they are having a large family and that they have also already suffered punishment by attending the Court since 2004 and that as such, lenient view may be taken while imposing sentence on them. The Accused-1, 3 and 4 have also prayed mercy on the same grounds. On the other hand, the learned Public Prosecutor submitted that as the Accused-1, 3 and 4 have committed grave economic offence, which has caused huge loss to the Bank, they are
177 [Spl.C.C.92/2004-J] not entitled to any lenience and that maximum punishment provided in the Sections has to be imposed on them.
213. In the case of State of Madhya Pradesh -Vs- Shambhu Dayal Nagar, reported in (2006) 8 SCC 693, while rejecting the prayer for leniency in sentence in respect of an offence punishable under the Prevention of Corruption Act, 1988, the Hon'ble Supreme Court of India has held as follows:
"Corruption by public servants has become gigantic problem, large scale of corruption retards the nation building activities and every one has to suffer on that count and that the efficiency in public service would improve only when the public servant does his duty truthfully and honestly".
214. In the case on hand, the Accused-1 was working as a Chief Manager of a Nationalized Bank. He abused his position as Public Servant, joined hands with the Accused-3 & 4 and sanctioned and disbursed loans illegally without any scrutiny and verification and thereby, officially favoured the Accused-3 & 4 and others causing loss of Crores of Rupees to the Bank. He is also benefited from the said illegal acts. The Bank is dealing with the funds of the general public. Cheating the Bank is nothing but misappropriation of the funds of the general public.
178 [Spl.C.C.92/2004-J] Now a days, banking business is playing a major role in the economic development of the general public as well as the whole country. People have more faith in the banking business. If the Bank's Chief Manager himself colludes with others to cheat the Bank, the people will loose faith in the banking business and they may afraid to deal with the Bank and in such an event, the Banks will loose their existence itself, which definitely affects the economy of the country seriously. In the recent days, more and more incidents, wherein the Officers of the Bank involved in the illegal acts, are coming to light, which has affected credibility of the Banking Institutions and economy of the country. So also, Co-operative Societies play a major role in the upliftment and over all development of people more specifically the people belonging to downtrodden, schedule caste and schedule tribe. The Accused-3 was working as a Secretary of the Society and it is also a high respectable and responsible position. So also, the Accused-4 being a Head Mistress of the School and Secretary of an Education Society had high respectable and responsible position in the Society. But, by indulging in the illegal activities, the Accused-3 and 4 have damaged the reputation of those posts apart from causing loss to the Bank and making wrongful gain for themselves by cheating the Bank and by committing forgery. Forgetting that the Banks are the assets of the people and nation, the Accused-1, 3 and 4 acted in a selfish manner to make wrongful gain for themselves in the name of members said to be belonging 179 [Spl.C.C.92/2004-J] to the schedule caste and schedule tribe, which amounts to cheating the said community. On considering all these facts and circumstances, nature and gravity of offences that the Accused-1, 3 and 4 have committed, it is not a fit case to show mercy on them, either showing leniency in imposing punishment or extending the benefit of the Probation of Offenders Act, 1958. If any such leniency is shown, a wrong message will go to the Society to the effect that, it is easy to escape from the punishment even after committing serious offences also. Such a wrong message will have serious repercussions on the Society in these hard days, where there is severe increase in the crime rate especially relating to corruption and economic offences. However, the Accused-1, 3 and 4 are attending the Court since 2004. By doing so, they have suffered some punishment already. Having regard to this fact, nature and gravity of the offence committed by the Accused-1, 3 and 4, their present status and all other facts and circumstances of the case, it appears that the ends of justice would be met if the Accused-1, 3 and 4 are sentenced as under:
1. The Accused-1 to undergo Rigorous Imprisonment for a period of 5 years and to pay fine of Rs.2,50,000/- and in default to pay fine, to undergo Simple Imprisonment for a further period of 1 year, for the offence punishable under
180 [Spl.C.C.92/2004-J] Sections 13(2) r/w. 13(1)(d)(ii) of the PC Act;
2. The Accused-3 and 4 to undergo Rigorous Imprisonment for a period of 6 months each and to pay fine of Rs.50,000/- each and in default to pay fine, to undergo Simple Imprisonment for a further period of 1 month each, for the offence punishable under Sections 120-B r/w. 420, 468, 471 of the IPC and Sections 13(2) r/w. 13(1)(d)(ii) of the PC Act;
3. The Accused-3 and 4 to undergo Rigorous Imprisonment for a period of 5 years each and to pay fine of Rs.2,50,000/- each and in default to pay fine, to undergo Simple Imprisonment for a further period of 1 year each, for the offence punishable under Section 468 of the IPC;
4. The Accused-3 and 4 to undergo Rigorous Imprisonment for a period of 5 years each and to pay fine of Rs.2,50,000/- each and in default to pay fine, to undergo Simple Imprisonment 181 [Spl.C.C.92/2004-J] for a further period of 1 year each, for the offence punishable under Section 471 of the IPC;
5. The Accused-3 and 4 to undergo Rigorous Imprisonment for a period of 5 years each and to pay fine of Rs.2,50,000/- each and in default to pay fine, to undergo Simple Imprisonment for a further period of 1 year each, for the offence punishable under Section 420 of the IPC.
215. In the result, the following Order is passed:
ORDER Under Section 248(2) of the Cr.P.C., 1973, the Accused-1, 3 and 4 are convicted and sentenced as under:
1. The Accused-1 shall under go Rigorous Imprisonment for a period of 5 years and pay fine of Rs.2,50,000/- and in default to pay fine, he shall undergo Simple Imprisonment for a further period of 1 year, for the offence punishable under Sections 13(2) 182 [Spl.C.C.92/2004-J] r/w. 13(1)(d)(ii) of the Prevention of Corruption Act, 1988;
2. The Accused-3 and 4 shall undergo Rigorous Imprisonment for a period of 6 months each and pay fine of Rs.50,000/- each and in default to pay fine, they shall undergo Simple Imprisonment for a further period of 1 month each, for the offence punishable under Sections 120-B r/w. 420, 468 and 471 of the Indian Penal Code, 1860 and Sections 13(2) r/w.
13(1)(d)(ii) of the Prevention of Corruption Act, 1988;
3. The Accused-3 and 4 shall undergo Rigorous Imprisonment for a period of 5 years each and pay fine of Rs.2,50,000/- each and in default to pay fine, they shall undergo Simple Imprisonment for a further period of 1 year each, for the offence punishable under Section 468 of the Indian Penal Code, 1860;
183 [Spl.C.C.92/2004-J]
4. The Accused-3 and 4 shall undergo Rigorous Imprisonment for a period of 5 years each and pay fine of Rs.2,50,000/- each and in default to pay fine, they shall undergo Simple Imprisonment for a further period of 1 year each, for the offence punishable under Section 471 of the Indian Penal Code, 1860;
5. The Accused-3 and 4 shall undergo Rigorous Imprisonment for a period of 5 years each and pay fine of Rs.2,50,000/- each and in default to pay fine, they shall undergo Simple Imprisonment for a further period of 1 year each, for the offence punishable under Section 420 of the Indian Penal Code, 1860.
6. Sentences of imprisonment in respect of all the offences shall run concurrently.
7. Period of detention undergone by the Accused-1, 3 and 4 during 184 [Spl.C.C.92/2004-J] investigation and trial be given set-
off against the term of imprisonment under Section 428 of the Cr.P.C.
Furnish free Copy of the Judgment to the Accused-1, 3 and 4 forthwith.
[Computerized by the Judgment Writer to my dictation, corrected, revised and then signed by me on this the 28th day of January 2017.] (ASWATHA NARAYANA) XLVII Additional City Civil and Sessions Judge and Special Judge for CBI Cases, Bengaluru.
185 [Spl.C.C.92/2004-J] ANNEXURE
1. LIST OF WITNESSES EXAMINED ON BEHALF OF THE COMPLAINANT WITH THE DATES OF THEIR EXAMINATION:
P.W.1 : Sri.S.Venugopal 19.07.2010. P.W.2 : Sri.Sudhakar 26.08.2010, 27.08.2010, 30.08.2010, 01.09.2010, 06.09.2010, 24,01,2011, 23.05.2011, 25.07.2011, 10.11.2011, 12.12.2011, 16.01.2012, 14.02.2012, 11.06.2012 & 07.07.2012.
P.W.3 : Sri.C.R.M. Prasad 10.04.2012,
02.08.2012, 08.08.2012 & 24.08.2012.
P.W.4 : Sri.S.T.Govindaraju 02.08.2012 & 07.08.2012.
P.W.5 : Sri.B.Vijay Mohan 02.08.2012 & 07.08.2012.
P.W.6 : Sri.A.S.Prakash 02.08.2012 & 07.08.2012.
P.W.7 : Sri.N.C.Joshi 27.08.2012.
P.W.8 : Sri.P.T.Arun Kumar 28.08.2012 & 10.09.2012.
P.W.9 : Sri.P.T.Mahendra Kumar 28.08.2012, 10.09.2012 & 17.09.2012.
P.W.10 : Sri.Ayaz Pasha 28.08.2012 & 10.09.2012.
P.W.11 : Sri.Imtiyaz Pasha 28.08.2012 & 10.09.2012.
P.W.12 : Sri.M.Krishnappa 28.08.2012 & 186 [Spl.C.C.92/2004-J] 10.09.2012.
P.W.13 : Sri.B.V.Nandagopal 28.08.2012 & 10.09.2012.
P.W.14 : Sri.Robert William 28.08.2012 & 10.09.2012.
P.W.15 : Sri.G.Mathivanan 29.08.2012 P.W.16 : Smt.Yashodha Bopanna 30.08.2012. P.W.17 : Sri.V.V.Ganiga 30.08.2012 & 31.08.2012.
P.W.18 : Sri.Muninarayanappa 31.08.2012 & 10.09.2012.
P.W.19 : Smt.Sunandamma 17.09.2012. P.W.20 : Sri.M.Parthasarathy 17.09.2012. P.W.21 : Smt.Mary Clara 17.09.2012. P.W.22 : Sri.V.Raghavendra 17.09.2012. P.W.23 : Sri.K.Y.Guruprasad 11.10.2012. P.W.24 : Sri.Y.Harikumar 05.11.2012, 18.02.2013, 07.03.2013, 08.03.2013 & 16.07.2013.
P.W.25 : Sri.R.B.Bhosale 15.01.2013 & 01.02.2013.
P.W.26 : Sri.H.S.Shanmugappa 18.05.2013.
2. LIST OF WITNESSES EXAMINED ON BEHALF OF THE ACCUSED WITH DATE OF EXAMINATION:
-NIL-
3. LIST OF DOCUMENTS EXHIBITED ON BEHALF OF THE COMPLAINANT:
Ex.P.1 Complaint Dated 07.12.2001. Ex.P.1(a) Signature of P.W.1 in Ex.P.1.
Ex.P.2 Annexure to Ex.P.1.
Ex.P.3 Copy of Report Dated 07.09.2001 of
P.W.2.
Ex.P.4 Annexure to Ex.P.3.
Ex.P.5 SBI Personal Loan Application Dated
04.07.1999 of Smt.Dharmaraj Sunitha. 187 [Spl.C.C.92/2004-J] Ex.P.5(a) Signature of A-1 in Ex.P.5.
Ex.P.5(b) Signature of A-1 in Ex.P.5. Ex.P.5(c) Signature of Smt.D.Sunitha in Ex.P.5. Ex.P.6 Demand Promissory Note Delivery Letter Dated 17.07.1999 for Rs.50,000/-.
Ex.P.6(a) to Signatures of Smt.D.Sunitha in Ex.P.6. Ex.P.6(c) Ex.P.7 Personal Loan Agreement Dated 17.07.1999 executed by Smt.D.Sunitha.
Ex.P.7(a) to Signatures of Smt.D.Sunitha in
Ex.P.7(g) Ex.P.7.
Ex.P.7(h) Signature of A-1 in Ex.P.7.
Ex.P.8 Advances to Personal Banking Sector
Personal Loan Letter Dated
17.07.1999 of Smt.D.Sunitha.
Ex.P.8(a) Signature of A-1 in Ex.P.8
Ex.P.8(b) Signature of Smt.D.Sunitha in Ex.P.8.
Ex.P.9 Letter of Undertaking issued from
Good Luck Primary School.
Ex.P.10 Authorisation Letter dated 17.07.1999
of Smt.D.Sunitha.
Ex.P.10(a) Signature of Smt.D.Sunitha in Ex.P.10.
Ex.P.11 Copy of Receipt of Smt.D.Sunitha for
Rs.50,000/-.
Ex.P.12 Acknowledgement of Debt Dated
29.02.2000 of Smt.D.Sunitha.
Ex.P.12(a) Signature of Smt.D.Sunitha in Ex.P.12.
Ex.P.12(b) Signature of Smt.D.Sunitha in Ex.P.12.
Ex.P.13 Salary Certificate Dated 3.07.1999 of
Smt.D.Sunitha.
Ex.P.14 SBI Personal Loan Application Dated
4.07.1999 of Smt.G.Gowramma.
Ex.P.14(a) Signature of A-1 in Ex.P.14.
Ex.P.14(b) Signature of A-1 in Ex.P.14.
Ex.P.14(c) Signature of Smt.G.Gowramma in
Ex.P.14.
Ex.P.15 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
188 [Spl.C.C.92/2004-J]
Ex.P.15(a) to Signatures of Smt.G.Gowramma in Ex.P.15(c) Ex.P.15.
Ex.P.16 Personal Loan Agreement Dated 17.07.1999.
Ex.P.16(a) to Signatures of Smt.G.Gowramma in Ex.P.16(g) Ex.P.16 Ex.P.17 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999 of Smt.G.Gowramma.
Ex.P.17(a) Signature of A-1 in Ex.P.17. Ex.P.17(b) Signature of Smt.G.Gowramma in Ex.P.17.
Ex.P.18 Letter of Undertaking issued from Good Luck Primary School.
Ex.P.19 Authorisation Letter Dated 17.07.1999. Ex.P.19(a) Signature of Smt.G.Gowramma in Ex.P.19.
Ex.P.20 Receipt of Smt.G.Gowramma issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.21 SBI Personal Loan Application Dated 07.07.199 of Sri.Shankar Venkatesh. Ex.P.21(a) Signature of A-1 in Ex.P.21. Ex.P.21(b) Signature of A-1 in Ex.P.21. Ex.P.21(c) Signature of Sri.Shankar Venkatesh in Ex.P.21.
Ex.P.22 Demand Promissory Note Delivery Letter Dated 17.07.1999 for Rs.50,000/-. Ex.P.22(a) to Signatures of Sri.S.Venkatesh in Ex.P.22(c) Ex.P.22.
Ex.P.23 Personal Loan Agreement Dated 17.07.1999.
Ex.P.23(a) to Signatures of Sri.S.Venkatesh in Ex.P.23(g) Ex.P.23.
Ex.P.23(h) Signature of A-1 in Ex.P.23.
Ex.P.24 Advances to Personal Banking Sector
Personal Loan Letter Dated
17.07.1999.
Ex.P.24(a) Signature of A-1 in Ex.P.24.
Ex.P.24(b) Signature of Sri.S.Venkatesh in
Ex.P.24.
189 [Spl.C.C.92/2004-J]
Ex.P.25 Letter of Undertaking issued from
Good Luck Primary School.
Ex.P.26 Authorisation Letter Dated 17.07.1999.
Ex.P.26(a) Signature.
Ex.P.27 Copy of Receipt of Sri.S.Venkatesh
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.28 Acknowledgement of Debt for Rs.42250=11.
Ex.P.28(a) Signature of S.Venkatesh in Ex.P.28. Ex.P.28(b) Signature of S.Venkatesh in Ex.P.28. Ex.P.29 Salary Certificate Dated 3.07.1999 of Sri.S.Venkatesh.
Ex.P.30 SBI Loan Application Dated 4.07.1999 of Smt.Somanna Kamalamma.
Ex.P.30(a) Signature of A-1 in Ex.P.30. Ex.P.30(b) Signature of A-1 in Ex.P.30. Ex.P.3(c) Signature of Smt.S.Kamalamma in Ex.P.30.
Ex.P.31 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.31(a) to Signatures of Smt.S.Kamalamma in Ex.P.31(c) Ex.P.31.
Ex.P.32 Personal Loan Agreement Dated 17.07.1999.
Ex.P.32(a) to Signatures of Smt.S.Kamalamma in Ex.P.32(h) Ex.P.32.
Ex.P.32(j) Signature of A-1 in Ex.P.30. Ex.P.33 Advances to Personal Banking Sector Personal Loan Letter Dated 14.07.1999. Ex.P.33(a) Signature of A-1 in Ex.P.33. Ex.P.33(b) Signature of Smt.S.Kamalamma in Ex.P.33.
Ex.P.34 Authorisation Letter Dated 17.07.1999. Ex.P.34(a) Signature of Smt.S.Kamalamma in Ex.P.34.
Ex.P.35 Copy of Receipt of Smt.S.Kamalamma issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
190 [Spl.C.C.92/2004-J] Ex.P.36 Acknowledgment of Debt Dated 29.2.2000 for Rs.42250=11.
Ex.P.36(a) & Signatures of Smt.S.Kamalamma in
Ex.P.36(b) Ex.P.36.
Ex.P.37 Salary Certificate Dated 03.07.1999
of Smt.S.Kamalamma.
Ex.P.38 SBI Personal Loan Application Dated
08.07.1999 of Smt.Thimmaiah
Prema.
Ex.P.38(a) Signature of A-1 in Ex.P.38.
Ex.P.38(b) Signature of A-1 in Ex.P.38.
Ex.P.38(c) Signature of Smt.T.Prema in Ex.P.38.
Ex.P.39 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.39(a) to Signatures of Smt.T.Prema in
Ex.P.39(c) Ex.P.39.
Ex.P.40 Personal Loan Agreement Dated
23.07.1999.
Ex.P.40(a) to Signatures of Smt.T.Prema in
Ex.P.40(g) Ex.P.40.
Ex.P.40(h) Signature of A-1 in Ex.P.40.
Ex.P.41 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.07.1999. Ex.P.41(a) Signature of A-1 in Ex.P.41. Ex.P.41(b) Signature of Smt.T.Prema in Ex.P.41. Ex.P.42 Letter of Undertaking issued from Good Luck Higher Primary School, Bengaluru.
Ex.P.43 Authorisation Letter Dated 23.07.1999. Ex.P.43(a) Signature of Smt.T.Prema in Ex.P.43. Ex.P.44 Copy of Receipt of Smt.T.Prema issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.45 Acknowledgement for Debt Dated 29.02.2000 for Rs.42103=59.
Ex.P.45(a) (b) Signatures of Smt.T.Prema in Ex.P.45.
Ex.P.46 Salary Certificate 03.07.1999 of Smt.T.Prema.
191 [Spl.C.C.92/2004-J] Ex.P.47 SBI Personal Loan Application Dated 17.08.1999 of Sri.Thyagaraj Shetty Mahendra Kumar.
Ex.P.47(a) & Signatures of A-1 in Ex.P.47.
Ex.P.47(b) Ex.P.47(c) Signature of Sri.T.S.Mahendra Kumar in Ex.P.47.
Ex.P.48 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.48(a) to Signatures of Sri.T.S.Mahendra
Ex.P.48(c) Kumar in Ex.P.48.
Ex.P.49 Personal Loan Agreement Dated
24.09.1999.
Ex.P.49(a) to Signatures of Sri.T.S.Mahendra
Ex.P.49(g) Kumar in Ex.P.49.
Ex.P.49(h) Signature of A-1 in Ex.P.49.
Ex.P.50 Advances to Personal Banking Sector
Personal Loan Letter Dated 24.09.1999. Ex.P.50(a) Signature of A-1 in Ex.P.50. Ex.P.50(b) Signature of Sri.T.S.Mahendra Kumar in Ex.P.50.
Ex.P.51 Letter of Undertaking issued from Good Luck Primary School, Bengaluru. Ex.P.52 Authorization Letter Dated 24.09.1999.
Ex.P.52(a) Signature of A-1 in Ex.P.52. Ex.P.53 Copy of Salary Certificate of Sri.T.S.Mahendra Kumar.
Ex.P.54 SBI Personal Loan Application Dated 17.8.1999 Sri.Thyagaraj Shetty Arun Kumar.
Ex.P.54(a) & Signatures of A-1 in Ex.P.54.
Ex.P.54(b) Ex.P.54(c) Signature of Sri.Thyagaraj Shetty in Ex.P.54.
Ex.P.55 Demand Promissory Note Delivery
Letter Dated 1.09.1999 for
Rs.50,000/-.
Ex.P.55(a) to Signatures of Sri.Thyagaraj Shetty in Ex.P.55(c) Ex.P.55.
Ex.P.56 Personal Loan Agreement.
192 [Spl.C.C.92/2004-J] Ex.P.56(a) to Signatures of Sri.Thyagaraj Shetty in Ex.P.56(g) Ex.P.56.
Ex.P.57 Advances to Personal Banking Sector Personal Loan Letter Dated 01.09.1999. Ex.P.57(a) Signature of A-1 in Ex.P.57. Ex.P.57(b) Signature of Sri.Thyagaraj Shetty in Ex.P.57.
Ex.P.58 Letter of Undertaking issued from Good Luck Primary School, Bengaluru. Ex.P.59 Authorisation Letter Dated 1.09.1999. Ex.P.59(a) Signature of Sri.Thyagaraj Shetty in Ex.P.59.
Ex.P.60 Copy of Receipt of JJ Nagar SC/ST Society Dated 25.09.1999.
Ex.P.61 Acknowledgment of Debt Dated 29.02.0200 for Rs.45,128=62.
Ex.P.61(a) & Signatures of Sri.Thyagaraj Shetty in Ex.P.61(b) Ex.P.61.
Ex.P.62 Salary Certificate of Sri.Thyagaraj Shetty.
Ex.P.63 SBI Personal Loan Application Dated 04.07.1999 of Smt.Mahadeva Jayalakshmi.
Ex.P.63(a) & Signatures of A-1 in Ex.P.63.
Ex.P.63(b) Ex.P.63(c) Signature of Smt.M.Jayalakshmi. Ex.P.64 Demand Pronote and Delivery Letter Dated 17.07.1999.
Ex.P.64(a) to Signatures of Smt.M.Jayalakshmi in Ex.P.64(c) Ex.P.64.
Ex.P.65 Personal Loan Agreement Dated 17.07.1999.
Ex.P.65(a) to Signatures of Smt.M.Jayalakshmi in Ex.P.65(g) Ex.P.65.
Ex.P.65(h) Signature of A-1 in Ex.P.65. Ex.P.66 Agreement Dated 17.07.1999. Ex.P.66(a) Signature of A-1 in Ex.P.66. Ex.P.66(b) Signature of Smt.M.Jayalakshmi in Ex.P.66.
Ex.P.67 Copy of Letter of Undertaking.
Ex.P.68 Authorization Letter.
193 [Spl.C.C.92/2004-J]
Ex.P.68(a) Signature of Smt.M.Jayalakshmi in
Ex.P.68.
Ex.P.69 Copy of Receipt of JJ Nagar SC/ST
Society for Rs.50,000/-.
Ex.P.70 Salary Certificate Dated 03.07.1999
of Smt.M.Jayalakshmi.
Ex.P.71 SBI Personal Loan Application Dated
04.07.1999 of Smt.Ponnuraj Shakila. Ex.P.71(a) & Signatures of A-1 in Ex.P.71.
Ex.P.71(b) Ex.P.71(c) Signature of Smt.P.Shakila in Ex.P.71.
Ex.P.72 Demand Pronote and Delivery Letter Dated 17.07.1999.
Ex.P.72(a) to Signatures of Smt.P.Shakila in
Ex.P.72(c) Ex.P.72.
Ex.P.73 Personal Loan Agreement Dated
17.07.1999.
Ex.P.73(a) to Signatures of Smt.P.Shakila in
Ex.P.73(g) Ex.P.73.
Ex.P.73(h) Signature of A-1 in Ex.P.73.
Ex.P.74 Advances to Personal Banking Sector
Personal Loan Letter Dated 17.07.1999. Ex.P.74(a) Signature of A-1 in Ex.P.74. Ex.P.74(b) Signature of Smt.P.Shakila in Ex.P.74.
Ex.P.75 Copy of Letter of Undertaking. Ex.P.76 Authorisation Letter Dated 17.07.1999. Ex.P.76(a) Signature of Smt.P.Shakila in Ex.P.76. Ex.P.77 Salary Certificate Dated 03.07.1999 of Smt.P.Shakila.
Ex.P.78 SBI Personal Loan Application Dated 03.07.1999 of Sri.Kannan Babu.
Ex.P.78(a) & Signatures of A-1 in Ex.P.78.
Ex.P.78(b) Ex.P.78(c) Signature of Sri.K.Babu in Ex.P.78. Ex.P.79 Demand Pronote and Delivery Letter Dated 14.09.1999.
Ex.P.79(a) to Signatures of Sri.K.Babu in Ex.P.79. Ex.P.79(c) Ex.P.80 Personal Loan Agreement Dated 14.09.1999.
194 [Spl.C.C.92/2004-J] Ex.P.80(a) to Signatures of Sri.K.Babu in Ex.P.80. Ex.P.80(g) Ex.P.80(h) Signature of A-1 in Ex.P.80. Ex.P.81 Advances to Personal Banking Sector Personal Loan Letter Dated 14.07.1999. Ex.P.81(a) Signature of A-1 in Ex.P.81. Ex.P.81(b) Signature of Sri.K.Babu in Ex.P.81.
Ex.P.82 Letter of Undertaking.
Ex.P.83 Authorisation Letter Dated 14.09.1999.
Ex.P.83(a) Signature of Sri.K.Babu in Ex.P.83.
Ex.P.84 Salary Certificate Dated 06.09.1999
of Sri.K.Babu.
Ex.P.85 SBI Personal Loan Application Dated
05.07.1999 of Sri.Kuppuswamy Selvaraj. Ex.P.85(a) & Signatures of A-1 in Ex.P.85.
Ex.P.85(b) Ex.P.85(c) Signature of Sri.K.Selvaraj in Ex.P.85. Ex.P.86 Demand Pronote and Delivery Letter Dated 17.07.1999 for Rs.50,000/-.
Ex.P.86(a) to Signatures of Sri.K.Selvaraj in Ex.P.86. Ex.P.86(c) Ex.P.87 Personal Loan Agreement Dated 17.07.1999.
Ex.P.87(a) to Signatures of Sri.K.Selvaraj in Ex.P.87. Ex.P.87(g) Ex.P.87(h) Signature of A-1 at Page-6 of Ex.P.87.
Ex.P.88 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999. Ex.P.88(a) Signature of A-1 in Ex.P.88. Ex.P.88(b) Signature of Sri.K.Selvaraj in Ex.P.88. Ex.P.89 Copy of Letter of Undertaking. Ex.P.90 Authorisation Letter Dated 17.07.1999. Ex.P.90(a) Signature of Sri.K.Selvaraj in Ex.P.90. Ex.P.91 Salary Certificate Dated 30.06.1999 of Sri.K.Selvaraj.
Ex.P.92 SBI Personal Loan Application Dated 05.07.1999 of Sri.Subbaiah Vasundhara. Ex.P.92(a) & Signatures of A-1 in Ex.P.92.
Ex.P.92(b) Ex.P.92(c) Signature of Smt.S.Vasundhara in Ex.P.92.
195 [Spl.C.C.92/2004-J] Ex.P.93 Demand Pronote and Delivery Letter Dated 17.07.1999.
Ex.P.93(a) to Signatures of Smt.S.Vasundhara in Ex.P.93(c) Ex.P.93.
Ex.P.94 Personal Loan Agreement Dated 17.07.1999.
Ex.P.94(a) to Signatures of Smt.S.Vasundara in Ex.P.94(g) Ex.P.94.
Ex.P.94(h) Signature of A-1 at Page-6 of Ex.P.94. Ex.P.95 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999. Ex.P.95(a) Signature of A-1 in Ex.P.95. Ex.P.95(b) Signature of Smt.S.Vasundhara in Ex.P.95.
Ex.P.96 Copy of Letter of Undertaking. Ex.P.97 Authorization Letter Dated 17.07.1999. Ex.P.97(a) Signature of Smt.S.Vasundara in Ex.P.97.
Ex.P.98 Copy of Receipt for Rs.50,000/-. Ex.P.99 Salary Certificate Dated 30.06.1999 of Smt.S.Vasundara.
Ex.P.100 SBI Personal Loan Application Dated 05.07.1999 Sri.Janardhan Devika.
Ex.P.100(a) & Signatures of A-1 in Ex.P.100.
Ex.P.100(b) Ex.P.100(c) Signature of Smt.J.Devika in Ex.P.100.
Ex.P.101 Demand Pronote and Delivery Letter Dated 17.07.1999 for Rs.50,000/-.
Ex.P.101(a) to Signatures of Smt.J.Devika in Ex.P.101. Ex.P.101(c) Ex.P.102 Personal Loan Agreement Dated 17.07.1999.
Ex.P.102(a) to Signatures of Smt.J.Devika in Ex.P.102. Ex.P.102(g) Ex.P.102(h) Signature of A-1 at Page-6 of Ex.P.102.
Ex.P.103 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999. Ex.P.103(a) Signature of A-1 in Ex.P.103. Ex.P.103(b) Signature of Smt.J.Devika in Ex.P.103. Ex.P.104 Copy of Letter of Undertaking.
196 [Spl.C.C.92/2004-J] Ex.P.105 Authorisation Letter Dated 17.07.1999. Ex.P.105(a) Signature of Smt.J.Devika in Ex.P.105. Ex.P.106 Copy of Receipt for Rs.50,000/-. Ex.P.107 Salary Certificate Dated 30.06.1999 of Smt.J.Devika.
Ex.P.108 SBI Personal Loan Application Dated 05.07.1999 of Sri.Kempanna Shekar. Ex.P.108(a) Signature of A-1 in Ex.P.108. Ex.P.108(b) Signature of A-1 at Page-4 of Ex.P.108. Ex.P.108(c) Signature of Sri.K.Shekar in Ex.P.108. Ex.P.109 Demand Pronote and Delivery Letter Dated 17.07.1999 for Rs.50,000/-.
Ex.P.109(a) to Signature of Sri.K.Shekar in Ex.P.109. Ex.P.109(c) Ex.P.110 Personal Loan Agreement Dated 17.07.1999.
Ex.P.110(a) to Signatures of Sri.K.Shekar in Ex.P.110. Ex.P.110(g) Ex.P.110(h) Signature of A-1 Page-6 of Ex.P.110. Ex.P.111 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999. Ex.P.111(a) Signature of A-1 in Ex.P.111. Ex.P.111(b) Signature of Sri.K.Shekar in Ex.P.111. Ex.P.112 Copy of Letter of Undertaking. Ex.P.113 Authorisation Letter Dated 17.07.1999. Ex.P.113(a) Signature of Sri.K.Shekar in Ex.P.113. Ex.P.114 Copy of Receipt for Rs.50,000/- of Sri.K.Shekar.
Ex.P.115 Acknowledgment of Debt Dated 29.02.2000 for Rs.422,50=11.
Ex.P.115(a) & Signatures of Sri.K.Shekar in
Ex.P.115(b) Ex.P.115.
Ex.P.116 Salary Certificate Dated 30.06.1999
of Sri.K.Shekar.
Ex.P.117 SBI Personal Loan Application of
Sri.Doreswamy Muniswamy Dated
05.07.1999.
Ex.P.117(a) Signature of A-1 in Ex.P.117.
Ex.P.118 Demand Promissory Note and
Delivery Letter Dated 17.07.1999.
197 [Spl.C.C.92/2004-J] Ex.P.119 Personal Loan Agreement Dated 17.07.1999.
Ex.P.120 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999. Ex.P.121 Copy of Letter of Undertaking. Ex.P.122 Authorisation Letter Dated 17.07.1999. Ex.P.123 Copy of Receipt of Sri.D.Muniswamy issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.124 Salary Certificate Dated 30.06.1999 of Sri.D.Muniswamy.
Ex.P.125 SBI Personal Loan Application Dated 05.07.1999 of Sri.Manohar Sudha.
Ex.P.126 Demand Promissory Note Delivery Letter Dated 17.7.99 for Rs.50,000/-. Ex.P.127 Personal Loan Agreement Dated 17.07.1999.
Ex.P.128 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999. Ex.P.129 Copy of Letter of Undertaking. Ex.P.130 Letter of Authorisation Dated 17.07.1999.
Ex.P.131 Copy of Receipt of Smt.M.Sudha issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.132 Acknowledgement for Debt Dated 29.02.2000.
Ex.P.133 Salary Certificate Dated 30.06.1999 of Smt.M.Sudha.
Ex.P.134 SBI Personal Loan Application Dated 13.07.1999 of Smt.Sundharraj Das Stella.
Ex.P.134(a) Signature of A-1 in Ex.P.134.
Ex.P.135 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.136 Personal Loan Agreement Dated
23.07.1999.
Ex.P.137 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.07.1999.
198 [Spl.C.C.92/2004-J]
Ex.P.138 Letter of Undertaking.
Ex.P.139 Authorisation Letter Dated 23.07.1999.
Ex.P.140 Copy of Receipt of Smt.S.D.Stella
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.141 Salary Certificate Dated 10.07.1999 of Smt.S.D.Stella.
Ex.P.142 SBI Personal Loan Application Dated 01.10.1999 of Sri.T.Kumar.
Ex.P.142(a) Signature of A-1 in Ex.P.142. Ex.P.143 Demand Promissory Note Delivery Letter Dated 08.10.1999 for Rs.50,000/-. Ex.P.144 Personal Loan Agreement Dated 08.10.1999.
Ex.P.145 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.146 Letter of Undertaking.
Ex.P.147 Authorisation Letter.
Ex.P.148 Copy of Receipt of Sri.T.Kumar issued
from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.149 SBI Personal Loan Application Dated 04.07.1999 of Sri.Narayan Prakash. Ex.P.149(a) Signature of A-1 in Ex.P.149.
Ex.P.150 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.151 Personal Loan Agreement Dated
17.07.1999.
Ex.P.152 Advances to Personal Banking Sector
Personal Loan Letter Dated 17.07.1999.
Ex.P.153 Letter of Undertaking. Ex.P.154 Authorisation Letter Dated 17.07.1999. Ex.P.155 Copy of Receipt of Sri.N.Prakash
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.156 SBI Personal Loan Application Dated 05.07.1999 of Sri.Yesudas Sujaya Mary Florida.
199 [Spl.C.C.92/2004-J] Ex.P.156(a) Signature of A-1 in Ex.P.156.
Ex.P.157 Demand Promissory Note Delivery
Letter Dated 01.09.1999 for
Rs.50,000/-.
Ex.P.158 Personal Loan Agreement Dated
01.19.1999.
Ex.P.159 Advances to Personal Banking Sector
Personal Loan Letter Dated 01.09.1999.
Ex.P.160 Letter of Undertaking.
Ex.P.161 Authorisation Letter.
Ex.P.162 Copy of Receipt of Smt.Y.S.Mary
Florida issued from JJ SC/ST &
Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.163 Salary Certificate of Smt.Y.S.Mary Florida.
Ex.P.164 Personal Loan Application Dated 23.08.1999 of Sri.J.Shivanandan.
Ex.P.164(a) Signature of A-1 in Ex.P.164. Ex.P.165 Demand Promissory Note Delivery Letter Dated 17.07.1999 for Rs.50,000/-. Ex.P.166 Personal Loan Agreement Dated 17.07.1999.
Ex.P.167 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999.
Ex.P.168 Letter of Undertaking. Ex.P.169 Authorisation Letter. Ex.P.170 Copy of Receipt of Sri.J.Shivanandan
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.171 Salary Certificate of Sri.J.Shivanandan. Ex.P.172 Personal Loan Application Dated 05.07.1999 of Smt.Gangadhar Menaka. Ex.P.172(a) Signature of A-1 in Ex.P.172.
Ex.P.173 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.174 Personal Loan Agreement Dated
17.07.1999.
Ex.P.175 Advances to Personal Banking Sector
Personal Loan Letter Dated 17.07.1999.
200 [Spl.C.C.92/2004-J]
Ex.P.176 Letter of Undertaking.
Ex.P.177 Authorisation Letter.
Ex.P.178 Salary Certificate of Smt.G.Menaka.
Ex.P.179 Personal Loan Application Dated
01.10.1999 of Sri.Balaji Supreeth. Ex.P.179(a) Signature of A-1 in Ex.P.179.
Ex.P.180 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.181 Personal Loan Agreement Dated
13.10.1999.
Ex.P.182 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999.
Ex.P.183 Letter of Undertaking. Ex.P.184 Authorisation Letter. Ex.P.185 Copy of Receipt of Sri.B.Supreeth
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.186 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,071=76.
Ex.P.187 Salary Certificate of Sri.B.Supreeth. Ex.P.188 Personal Loan Application Dated 01.10.1999 of Smt.Muniswamy Sujitha. Ex.P.188(a) Signature of A-1 in Ex.P.188.
Ex.P.189 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.190 Personal Loan Agreement Dated
13.10.1999.
Ex.P.191 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999.
Ex.P.192 Letter of Undertaking.
Ex.P.193 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.194 Salary Certificate of Smt.M.Sujitha.
Ex.P.195 SBI Personal Loan Applicaton of
Sri.Tiptur Lingaiah Kempegowda.
Ex.P.195(a) Signature of A-1 in Ex.P.195.
Ex.P.196 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
201 [Spl.C.C.92/2004-J]
Ex.P.197 Personal Loan Agreement Dated
27.10.1999.
Ex.P.198 Advances to Personal Banking Sector
Personal Loan Letter Dated 27.10.1999.
Ex.P.199 Letter of Undertaking.
Ex.P.200 Authorisation Letter.
Ex.P.201 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.202 Salary Certificate of Sri.T.L.Kempe
Gowda.
Ex.P.203 SBI Personal Loan Application Dated
01.10.1999 of Smt.Murgesh Kalavathi. Ex.P.203(a) Signature of A-1 in Ex.P.203. Ex.P.204 Demand Promissory Note Delivery Letter Dated 13.10.1999 for Rs.50,000/-. Ex.P.205 Personal Loan Agreement Dated 13.10.1999.
Ex.P.206 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.207 Authorisation Letter.
Ex.P.208 Letter of Undertaking.
Ex.P.209 Copy of Receipt of Smt.M.Kalavathi
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.210 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,071=76.
Ex.P.211 Salary Certificate of Smt.M.Kalavathi. Ex.P.212 SBI Personal Loan Application Dated 01.10.1999 of Sri.Krishnappa Thangaraj. Ex.P.212(a) Signature of A-1 in Ex.P.212.
Ex.P.213 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.214 Personal Loan Agreement Dated
13.10.1999.
Ex.P.215 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999.
Ex.P.216 Authorisation Letter.
Ex.P.217 Letter of Undertaking.
202 [Spl.C.C.92/2004-J]
Ex.P.218 Copy of Receipt of Sri.K.Thangaraj
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.219 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,071=76.
Ex.P.220 Salary Certificate of Sri.K.Thangaraj. Ex.P.221 SBI Personal Loan Application Dated 01.10.1999 of Smt.Vijay Geetha.
Ex.P.221(a) Signature of A-1 in Ex.P.221.
Ex.P.222 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.223 Personal Loan Agreement Dated
13.10.1999.
Ex.P.224 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999. Ex.P.225 Authorisation Letter Dated 13.10.1999.
Ex.P.226 Letter of Undertaking. Ex.P.227 Copy of Receipt of Smt.V.Geetha
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.228 Salary Certificate of Smt.V.Geetha. Ex.P.229 SBI Personal Loan Application Dated 01.10.1999 of Sri.Prashanth Suresh. Ex.P.229(a) Signature of A-1 in Ex.P.229.
Ex.P.230 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.231 Personal Loan Agreement.
Ex.P.232 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999.
Ex.P.233 Authorisation Letter.
Ex.P.234 Letter of Undertaking.
Ex.P.235 Copy of Receipt of Sri.P.Suresh issued
from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.236 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,071=76.
Ex.P.237 Salary Certificate of Sri.P.Suresh.
203 [Spl.C.C.92/2004-J] Ex.P.238 SBI Personal Loan Application Dated 01.10.1999 of Sri.Sharath Anand.
Ex.P.238(a) Signature of A-1 in Ex.P.238. Ex.P.239 Demand Promissory Note Delivery Letter Dated 13.10.1999 for Rs.50,000/-. Ex.P.240 Personal Loan Agreement Dated 13.10.1999.
Ex.P.241 Advances to Personal Banking Sector Personal Loan Letter Dated 13.10.1999.
Ex.P.242 Authorisation Letter.
Ex.P.243 Letter of Undertaking.
Ex.P.244 Copy of Receipt of Sri.S.Anand issued
from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.245 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,071=76.
Ex.P.246 Salary Certificate of Sri.S.Anand. Ex.P.247 SBI Personal Loan Application Dated 01.10.1999 of Sri.Sanjeeva Reddy Adimoolam.
Ex.P.247(a) Signature of A-1 in Ex.P.247.
Ex.P.248 Demand Promissory Note Delivery
Letter Dated 01.10.1999 for
Rs.50,000/-.
Ex.P.249 Personal Loan Agreement Dated
01.10.1999.
Ex.P.250 Advances to Personal Banking Sector
Personal Loan Letter Dated 01.10.1999.
Ex.P.251 Authorisation Letter. Ex.P.252 Letter of Undertaking. Ex.P.253 Copy of Receipt of Sri.S.R.Adimoolam
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.254 Salary Certificate of Sri.S.R.Adimoolam. Ex.P.255 SBI Personal Loan Application Dated 06.07.1999 of Smt.Krishna Kasturi. Ex.P.255(a) Signature of A-1 in Ex.P.255. Ex.P.256 Demand Promissory Note Delivery Letter Dated 17.07.1999 for Rs.50,000/-.
204 [Spl.C.C.92/2004-J] Ex.P.257 Personal Loan Agreement Dated 17.07.1999.
Ex.P.258 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999.
Ex.P.259 Authorisation Letter. Ex.P.260 Letter of Undertaking. Ex.P.261 Copy of Receipt of Smt.K.Kasturi
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.262 Salary Certificate of Smt.K.Kasturi. Ex.P.263 SBI Personal Loan Application Dated 04.10.1999 of Smt.D.Sendhamari.
Ex.P.263(a) Signature of A-1 in Ex.P.263. Ex.P.264 Demand Promissory Note Delivery Letter Dated 08.10.1999 for Rs.50,000/-. Ex.P.265 Personal Loan Agreement Dated 08.10.1999.
Ex.P.266 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.267 Authorisation Letter. Ex.P.268 Letter of Undertaking. Ex.P.269 Copy of Receipt of Smt.D.Sendhamari
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.270 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,188=82.
Ex.P.271 Salary Certificate of Smt.D.Sendhamari. Ex.P.272 SBI Personal Loan Application Dated 04.10.1999 of Smt.C.Sureka.
Ex.P.272(a) Signature of A-1 in Ex.P.272.
Ex.P.273 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.274 Personal Loan Agreement Dated
08.10.1999.
Ex.P.275 Advances to Personal Banking Sector
Personal Loan Letter Dated 08.10.1999.
Ex.P.276 Authorisation Letter.
Ex.P.277 Letter of Undertaking.
205 [Spl.C.C.92/2004-J]
Ex.P.278 Copy of Receipt of Smt.C.Sureka
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.279 Salary Certificate of Smt.C.Sureka. Ex.P.280 SBI Personal Loan Application Dated 01.10.1999 of Sri.S.Velayudham.
Ex.P.280(a) Signature of A-1 in Ex.P.280. Ex.P.281 Demand Promissory Note Delivery Letter for Rs.50,000/-.
Ex.P.282 Personal Loan Agreement Dated 08.10.1999.
Ex.P.283 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.284 Authorisation Letter.
Ex.P.285 Letter of Undertaking.
Ex.P.286 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,188=82.
Ex.P.287 Salary Certificate of Sri.Velayudham.
Ex.P.288 SBI Personal Loan Application Dated
04.07.1999 of Smt.Gulzar Khanam.
Ex.P.288(a) Signature of A-1 in Ex.P.288. Ex.P.289 Demand Promissory Note Delivery Letter Dated 17.07.1999 for Rs.50,000/-. Ex.P.290 Personal Loan Agreement Dated 17.07.1999.
Ex.P.291 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999.
Ex.P.292 Authorisation Letter. Ex.P.293 Letter of Undertaking. Ex.P.294 Copy of Receipt of Smt.G.Khanam
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.295 Salary Certificate of Smt.G.Khanam. Ex.P.296 SBI Personal Loan Application Dated 05.07.1999 of Sri.Munikrishna Mohana. Ex.P.297 Demand Promissory Note Delivery Letter Dated 17.07.1999 for Rs.50,000/-. Ex.P.298 Personal Loan Agreement Dated 17.07.1999.
206 [Spl.C.C.92/2004-J] Ex.P.299 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999.
Ex.P.300 Authorisation Letter. Ex.P.301 Letter of Undertaking. Ex.P.302 Copy of Receipt of Sri.M.Mohana
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.303 Acknowledgement for Debt Dated 29.02.2000 for Rs.42,250=11.
Ex.P.304 Salary Certificate of Sri.M.Mohana. Ex.P.305 SBI Personal Loan Application Dated 04.10.1999 of Smt.A.Vijayamma.
Ex.P.305(a) Signature of A-1 in Ex.P.305. Ex.P.306 Demand Promissory Note Delivery Letter Dated 08.10.1999 for Rs.50,000/-. Ex.P.307 Personal Loan Agreement Dated 08.10.1999.
Ex.P.308 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.309 Authorisation Letter. Ex.P.310 Letter of Undertaking. Ex.P.311 Copy of Receipt of Smt.A.Vijayamma
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.312 Salary Certificate of Smt.A.Vijayamma. Ex.P.313 SBI Personal Loan Application Dated 04.10.1999 of Smt.K.Sharadamma.
Ex.P.314 Demand Promissory Note Delivery Letter Dated 08.10.1999 for Rs.50,000/-. Ex.P.315 Personal Loan Agreement Dated 08.10.1999.
Ex.P.316 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.317 Authorisation Letter. Ex.P.318 Letter of Undertaking. Ex.P.319 Copy of Receipt of Smt.K.Sharadhamma
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.320 Salary Certificate Smt.K.Sharadhamma.
207 [Spl.C.C.92/2004-J] Ex.P.321 SBI Personal Loan Application Dated 08.07.1999 of Sri.Anthony Jayaraj Mary Albhonsa.
Ex.P.321(a) Signature of A-1 in Ex.P.321. Ex.P.322 Demand Promissory Note Delivery Letter Dated 23.07.1999 for Rs.50,000/-. Ex.P.323 Personal Loan Agreement Dated 23.07.1999.
Ex.P.324 Advances to Personal Banking Sector Personal Loan Letter Dated 23.07.1999.
Ex.P.325 Authorisation Letter.
Ex.P.326 Letter of Undertaking.
Ex.P.327 Copy of Receipt of Sri.A.J.Mary
Albhonsa issued from JJ SC/ST &
Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.328 Acknowledgement for Debt Dated 29.02.2000 for Rs.42,103=59.
Ex.P.329 Salary Certificate of Sri.A.J.Mary Albhonsa.
Ex.P.330 SBI Personal Loan Application Dated 01.10.1999 of Sri.V.Rajanna.
Ex.P.331(a) Signature of A-1 in Ex.P.331. Ex.P.331 Demand Promissory Note Delivery Letter Dated 08.10.1999 for Rs.50,000/-. Ex.P.332 Personal Loan Agreement Dated 08.10.1999.
Ex.P.333 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.334 Authorisation Letter. Ex.P.335 Copy of Receipt of Sri.D.Rajanna
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.336 Salary Certificate of Sri.D.Rajanna. Ex.P.337 SB Personal Loan Application Dated 04.10.1999 of Sri.Jayaram Bhaskar. Ex.P.337(a) Signature of A-1 in Ex.P.337. Ex.P.338 Demand Promissory Note Delivery Letter Dated 08.10.1999 for Rs.50,000/-. Ex.P.339 Personal Loan Agreement Dated 08.10.1999.
208 [Spl.C.C.92/2004-J] Ex.P.340 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.341 Authorisation Letter. Ex.P.342 Letter of Undertaking. Ex.P.343 Copy of Receipt of Sri.J.Bhaskar
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.344 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,188=82.
Ex.P.345 Salary Certificate of Sri.J.Bhaskar. Ex.P.346 SBI Personal Loan Application Dated 04.10.1999 of Sri.N.Shivalingam.
Ex.P.346(a) Signature of A-1 in Ex.P.346. Ex.P.347 Demand Promissory Note Delivery Letter Dated 08.10.1999 for Rs.50,000/-. Ex.P.348 Personal Loan Agreement Dated 08.10.1999.
Ex.P.349 Advances to Personal Banking Sector Personal Loan Letter Dated 08.10.1999.
Ex.P.350 Authorisation Letter. Ex.P.351 Letter of Undertaking. Ex.P.352 Copy of Receipt of Sri.N.Shivalingam
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.353 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,188=82.
Ex.P.354 Salary Certificate of Sri.N.Shivalingam. Ex.P.355 SBI Personal Loan Application Dated 13.07.1999 of Smt.Murthy Sumathi.
Ex.P.355(a) Signature of A-1 in Ex.P.355. Ex.P.356 Demand Promissory Note Delivery Letter for Rs.50,000/-.
Ex.P.357 Personal Loan Agreement Dated 31.07.1999.
Ex.P.358 Advances to Personal Banking Sector Personal Loan Letter..
Ex.P.359 Authorisation Letter Dated 31.07.1999.
Ex.P.360 Letter of Undertaking. Ex.P.361 Copy of Receipt of Smt.M.Sumathi
issued from JJ SC/ST & Backward Co-
209 [Spl.C.C.92/2004-J] operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.362 Acknowledgement for Debt Dated 29.02.2000 for Rs.43,925=57.
Ex.P.363 Salary Certificate Dated 08.07.1999 of Smt.M.Sumathi.
Ex.P.364 SBI Personal Loan Application Dated 13.07.1999 of Sri.Gururaj Manimaran. Ex.P.364(a) Signature of A-1 in Ex.P.364. Ex.P.365 Demand Promissory Note Delivery Letter Dated 18.08.1999 for Rs.50,000/-. Ex.P.366 Personal Loan Agreement Dated 18.08.1999.
Ex.P.367 Advances to Personal Banking Sector Personal Loan Letter Dated 18.08.1999.
Ex.P.368 Authorisation Letter. Ex.P.369 Letter of Undertaking. Ex.P.370 Copy of Receipt of Sri.G.Manimaran
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.371 Salary Certificate Dated 09.07.1999 of Sri.G.Manimaran.
Ex.P.372 SBI Personal Loan Application Dated 06.07.1999 of Sri.Mehaboob Sab Ayaz Pasha.
Ex.P.372(a) Signature of A-1 in Ex.P.372. Ex.P.373 Demand Promissory Note Delivery Letter Dated 17.07.1999 for Rs.50,000/-. Ex.P.374 Personal Loan Agreement Dated 17.07.1999.
Ex.P.375 Advances to Personal Banking Sector Personal Loan Letter Dated 17.07.1999. Ex.P.376 Authorisation Letter Dated 17.07.1999.
Ex.P.377 Letter of Undertaking. Ex.P.378 Copy of Receipt of Sri.M.Ayaz Pasha
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.379 Salary Certificate of Sri.M.Ayaz Pasha. Ex.P.380 SBI Personal Loan Application Dated 01.10.1999 of Sri.Thangaraj Venkatesh.
210 [Spl.C.C.92/2004-J] Ex.P.380(a) Signature of A-1 in Ex.P.380. Ex.P.381 Demand Promissory Note Delivery Letter Dated 13.10.1999 for Rs.50,000/-. Ex.P.382 Personal Loan Agreement Dated 13.10.1999.
Ex.P.383 Advances to Personal Banking Sector Personal Loan Letter..
Ex.P.384 Copy of Receipt of Sri.T.Venkatesh issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.385 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,072=66.
Ex.P.386 Salary Certificate of Sri.T.Venkatesh. Ex.P.387 SBI Personal Loan Application of Sri.Mahesh Shivaraj.
Ex.P.387(a) Signature of A-1 in Ex.P.387.
Ex.P.388 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.389 Personal Loan Agreement Dated
13.10.1999.
Ex.P.390 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999. Ex.P.391 Authorisation Letter Dated 13.10.1999.
Ex.P.392 Letter of Undertaking. Ex.P.393 Copy of Receipt of Sri.M.Shivaraj
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.394 Salary Certificate of Sri.M.Shivaraj. Ex.P.395 SBI Personal Loan Application Dated 27.10.1999 of Smt.Thimmappa Rani.
Ex.P.395(a) Signature of A-1 in Ex.P.395.
Ex.P.396 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.397 Personal Loan Agreement Dated
27.10.1999.
Ex.P.398 Advances to Personal Banking Sector
Personal Loan Letter Dated 27.10.1999. Ex.P.399 Authorisation Letter Dated 27.10.1999.
211 [Spl.C.C.92/2004-J]
Ex.P.400 Letter of Undertaking.
Ex.P.401 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.402 Salary Certificate of Smt.T.Rani.
Ex.P.403 SBI Personal Loan Application of
Sri.Muniyappa Ramesh.
Ex.P.403(a) Signature of A-1 in Ex.P.403.
Ex.P.404 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.405 Personal Loan Agreement Dated
13.10.1999.
Ex.P.406 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999. Ex.P.407 Authorisation Letter Dated 13.10.1999.
Ex.P.408 Letter of Undertaking. Ex.P.409 Copy of Receipt of Sri.M.Ramesh
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.410 Salary Certificate of Sri.M.Ramesh. Ex.P.411 SBI Personal Loan Application Dated 01.10.1999 of Sri.Jagadeesh Srikanth.
Ex.P.412 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.413 Personal Loan Agreement Dated
13.10.1999.
Ex.P.414 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999. Ex.P.415 Authorisation Letter Dated 13.10.1999.
Ex.P.416 Letter of Undertaking. Ex.P.417 Copy of Receipt of Sri.J.Srikanth
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.418 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,070=86.
Ex.P.419 Salary Certificate of Sri.J.Srikanth. Ex.P.420 SBI Personal Loan Application Dated 06.07.1999 of Smt.Annaippan Kalaivani.
212 [Spl.C.C.92/2004-J] Ex.P.420(a) Signature of A-1 in Ex.P.420.
Ex.P.421 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.422 Personal Loan Agreement Dated
23.07.1999.
Ex.P.423 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.07.1999. Ex.P.424 Authorisation Letter Dated 23.07.1999.
Ex.P.425 Letter of Undertaking. Ex.P.426 Copy of Receipt of Smt.A.Kalaivani
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.427 Acknowledgement for Debt Dated 29.02.2000 for Rs.42,103=59.
Ex.P.428 Salary Certificate Dated 07.07.1999 of Smt.A.Kalaivani.
Ex.P.429 SBI Personal Loan Application Dated 05.07.1999 of Smt.Dorairaj Mala.
Ex.P.429(a) Signature of A-1 in Ex.P.429.
Ex.P.430 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.431 Personal Loan Agreement Dated
17.07.1999.
Ex.P.432 Advances to Personal Banking Sector
Personal Loan Letter Dated 17.07.1999.
Ex.P.433 Authorisation Letter. Ex.P.434 Letter of Undertaking. Ex.P.435 Copy of Receipt of Smt.Dorairaj Mala
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.436 Salary Certificate Dated 30.06.1999 of Smt.Dorairaj Mala.
Ex.P.437 SBI Personal Loan Application Dated 13.07.1999 of Smt.P.Mary Clara.
Ex.P.437(a) Signature of A-1 in Ex.P.437.
Ex.P.438 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
213 [Spl.C.C.92/2004-J]
Ex.P.439 Personal Loan Agreement Dated
23.07.1999.
Ex.P.440 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.07.1999.
Ex.P.441 Authorisation Letter. Ex.P.442 Letter of Undertaking. Ex.P.443 Copy of Receipt of Smt.Mary Clara
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.444 Acknowledgement for Debt Dated 29.02.2000 for Rs.42,103=59.
Ex.P.445 Salary Certificate Dated 10.07.1999 of Smt.Mary Clara.
Ex.P.446 SBI Personal Loan Application Dated 05.07.1999 of Smt.Ramalingam Padma. Ex.P.446(a) Signature of A-1 in Ex.P.446.
Ex.P.447 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.448 Personal Loan Agreement Dated
17.07.1999.
Ex.P.449 Advances to Personal Banking Sector
Personal Loan Letter Dated 17.07.1999.
Ex.P.450 Authorisation Letter. Ex.P.451 Letter of Undertaking. Ex.P.452 Copy of Receipt of Smt.R.Padma
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.453 Salary Certificate Dated 30.06.1999 of Smt.R.Padma.
Ex.P.454 SBI Personal Loan Application Dated 05.07.1999 of Smt.Manickam Suseela. Ex.P.454(a) Signature of A-1 in Ex.P.454.
Ex.P.455 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.456 Personal Loan Agreement Dated
17.07.1999.
Ex.P.457 Advances to Personal Banking Sector
Personal Loan Letter Dated 17.07.1999.
214 [Spl.C.C.92/2004-J]
Ex.P.458 Authorisation Letter.
Ex.P.459 Letter of Undertaking.
Ex.P.460 Copy of Receipt of Smt.M.Suseela
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.461 Salary Certificate Dated 30.06.1999 of Smt.M.Suseela.
Ex.P.462 SBI Personal Loan Application Dated 04.07.1999 of Smt.Muniswamy Meenakumari.
Ex.P.462(a) Signature of A-1 in Ex.P.462.
Ex.P.463 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.464 Personal Loan Agreement Dated
17.07.1999.
Ex.P.465 Advances to Personal Banking Sector
Personal Loan Letter Dated 17.07.1999.
Ex.P.466 Authorisation Letter.
Ex.P.467 Letter of Undertaking.
Ex.P.468 Salary Certificate Dated 30.06.1999
of Smt.M.Meenakumari.
Ex.P.469 SBI Personal Loan Application Dated
01.10.1999 of Smt.G.Venkatamma.
Ex.P.469(a) Signature of A-1 in Ex.P.469.
Ex.P.470 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.471 Personal Loan Agreement Dated
08.10.1999.
Ex.P.472 Advances to Personal Banking Sector
Personal Loan Letter Dated 08.10.1999.
Ex.P.473 Authorisation Letter. Ex.P.474 Letter of Undertaking. Ex.P.475 Copy of Receipt of Smt.Venkamma
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.476 Salary Certificate of Smt.Venkamma. Ex.P.477 SBI Personal Loan Application Dated 01.10.1999 of Sri.Rangaiah Muniswamy.
215 [Spl.C.C.92/2004-J] Ex.P.477(a) Signature of A-1 in Ex.P.477.
Ex.P.478 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.479 Personal Loan Agreement Dated
13.10.1999.
Ex.P.480 Advances to Personal Banking Sector
Personal Loan Letter Dated 01.10.1999.
Ex.P.481 Authorisation Letter. Ex.P.482 Letter of Undertaking. Ex.P.483 Copy of Receipt of Sri.R.Muniswamy
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.484 Salary Certificate of Sri.R.Muniswamy. Ex.P.485 SB Personal Loan Application Dated 20.07.1999 of Smt.Balaramu Bhagyalakshmi.
Ex.P.485(a) Signature of A-1 in Ex.P.485.
Ex.P.486 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.487 Personal Loan Agreement Dated
31.07.1999.
Ex.P.488 Advances to Personal Banking Sector
Personal Loan Letter Dated 31.07.1999.
Ex.P.489 Authorisation Letter. Ex.P.490 Letter of Undertaking. Ex.P.491 Copy of Receipt Dated 31.07.1999 of
Smt.B.Bhagyalakshmi issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.492 Acknowledgement for Debt Dated 29.02.2000 for Rs.43,925=57.
Ex.P.493 Salary Certificate Dated 25.07.1999 of Smt.B.Bhagyalakshmi.
Ex.P.494 SBI Personal Loan Application Dated 20.09.1999 of Smt.Venkateshaiah Lakshmi.
Ex.P.494(a) Signature of A-1 in Ex.P.494.
216 [Spl.C.C.92/2004-J]
Ex.P.495 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.496 Personal Loan Agreement Dated
24.09.1999.
Ex.P.497 Advances to Personal Banking Sector
Personal Loan Letter Dated 24.09.1999.
Ex.P.498 Authorisation Letter. Ex.P.499 Letter of Undertaking. Ex.P.500 Copy of Receipt of Smt.V.Lakshmi
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.501 Salary Certificate Dated 18.09.1999 of Smt.V.Lakshmi.
Ex.P.502 SBI Personal Loan Application Dated 04.09.1999 of Sri.R.Muniswamy.
Ex.P.502(a) Signature of A-1 in Ex.P.502.
Ex.P.503 Demand Promissory Note Delivery
Letter Dated 14.09.1999 for
Rs.50,000/-.
Ex.P.504 Personal Loan Agreement Dated
14.09.1999.
Ex.P.505 Advances to Personal Banking Sector
Personal Loan Letter Dated 14.09.1999.
Ex.P.506 Authorisation Letter. Ex.P.507 Letter of Undertaking. Ex.P.508 Copy of Receipt of Sri.R.Muniswamy
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.509 Salary Certificate of Sri.R.Muniswamy. Ex.P.510 SBI Personal Loan Application Dated 07.08.1999 of Smt.Satya Bhama.
Ex.P.510(a) Signature of A-1 in Ex.P.510.
Ex.P.511 Demand Promissory Note Delivery
Letter Dated 18.08.1999 for
Rs.50,000/-.
Ex.P.512 Personal Loan Agreement Dated
18.08.1999.
Ex.P.513 Advances to Personal Banking Sector
Personal Loan Letter Dated 18.08.1999.
217 [Spl.C.C.92/2004-J]
Ex.P.514 Letter of Undertaking.
Ex.P.515 Copy of Receipt Dated 20.08.1999 of
Smt.Satya Bhama issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.516 Salary Certificate of Smt.Satya
Bhama.
Ex.P.517 SBI Personal Loan Application Dated
21.10.1999 of Sri.P.Dadapeer Raheem . Ex.P.517(a) Signature of A-1 in Ex.P.517.
Ex.P.518 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.519 Personal Loan Agreement Dated
27.10.1999.
Ex.P.520 Advances to Personal Banking Sector
Personal Loan Letter.
Ex.P.521 Authorisation Letter Dated 27.10.1999.
Ex.P.522 Letter of Undertaking.
Ex.P.523 Copy of Receipt of Sri.P.Dadapeer
Raheem issued from JJ SC/ST &
Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.524 Acknowledgement for Debt Dated 29.02.2000 for Rs.47,671=71.
Ex.P.525 Salary Certificate of Sri.P.Dadapeer Raheem.
Ex.P.526 SBI Personal Loan Application Dated 07.09.1999 of Sri.D.Chandrashekar. Ex.P.526(a) Signature of A-1 in Ex.P.526.
Ex.P.527 Demand Promissory Note Delivery
Letter Dated 14.09.1999 for
Rs.50,000/-.
Ex.P.528 Personal Loan Agreement Dated
14.09.1999.
Ex.P.529 Advances to Personal Banking Sector
Personal Loan Dated 07.09.1999.
Ex.P.530 Authorisation Letter.
Ex.P.531 Letter of Undertaking.
Ex.P.532 Copy of Receipt Dated 15.09.1999 of
Sri.D.Chandrashekar issued from JJ 218 [Spl.C.C.92/2004-J] SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.533 Salary Certificate of
Sri.D.Chandrashekar.
Ex.P.534 SBI Personal Loan Application Dated
01.10.1999 of Sri.Mehaboob Basha.
Ex.P.534(a) Signature of A-1 in Ex.P.534.
Ex.P.535 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.536 Personal Loan Agreement Dated
08.10.1999.
Ex.P.537 Advances to Personal Banking Sector
Personal Loan Dated 08.10.1999.
Ex.P.538 Authorisation Letter.
Ex.P.539 Letter of Undertaking.
Ex.P.540 Copy of Receipt of Sri.Mehaboob
Basha issued from JJ Nagar SC/ST
B/W Co-operative Society Ltd.,
Bengaluru for Rs.50,000/-.
Ex.P.541 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,188=82.
Ex.P.542 Salary Certificate Dated 30.09.1999.
Ex.P.543 SBI Personal Loan Application Dated
12.07.1999 of Sri.Natarajan Parthasarathi. Ex.P.543(a) Signature of A-1 in Ex.P.543.
Ex.P.544 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.545 Personal Loan Agreement Dated
13.10.1999.
Ex.P.546 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.547 Authorisation Letter.
Ex.P.548 Letter of Undertaking.
Ex.P.549 Copy of Receipt of Sri.N.Parthasarathi
issued from JJ Nagar SC/ST B/W Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.550 Salary Certificate of Sri.N.Parthasarathi.
219 [Spl.C.C.92/2004-J] Ex.P.551 SBI Personal Loan Application Dated 04.07.1999 of Smt.Kundapura Narayana Bhavana.
Ex.P.551(a) Signature of A-1 in Ex.P.551.
Ex.P.552 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.553 Personal Loan Agreement Dated
17.07.1999.
Ex.P.554 Advances to Personal Banking Sector
Personal Loan Letter Dated
17.07.1999.
Ex.P.555 Authorisation Letter.
Ex.P.556 Letter of Undertaking.
Ex.P.557 Copy of Receipt Dated 17.07.1999 of
Smt.K.N.Bhavana issued from JJ
Nagar SC/ST B/W Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.558 Salary Certificate of Smt.K.N.Bhavana.
Ex.P.559 SBI Personal Loan Application Dated
07.09.1999 of of Smt.K.Chandramma. Ex.P.559(a) Signature of A-1 in Ex.P.559. Ex.P.560 Demand Promissory Note and Delivery Letter dted 14.09.1999.
Ex.P.561 Personal Loan Agreement Dated 14.09.1999.
Ex.P.562 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.09.1999.
Ex.P.563 Authorisation Letter Dated 14.09.1999.
Ex.P.564 Letter of Undertaking.
Ex.P.565 Copy of Receipt of Smt.Chandramma
issued from JJ Nagar SC/ST B/W Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.566 Salary Certificate of Smt.Chandramma. Ex.P.567 SBI Personal Loan Application Dated 07.09.1999 of Sri.Ramanuja Ganesha. Ex.P.567(a) Signature of the Accused-1 in Ex.P.567.
220 [Spl.C.C.92/2004-J]
Ex.P.568 Demand Promissory Note Delivery
Letter Dated 14.09.1999 for
Rs.50,000/-.
Ex.P.569 Personal Loan Agreement Dated
14.09.1999.
Ex.P.570 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.09.1999.
Ex.P.571 Authorisation Letter Dated 14.09.1999.
Ex.P.572 Letter of Undertaking.
Ex.P.573 Copy of Receipt of Sri.R.Ganesha
issued from JJ Nagar SC/ST B/W Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.574 Salary Certificate of Sri.R.Ganesha. Ex.P.575 SBI Personal Loan Application Dated 21.10.1999 of Smt.Mallesh Lakshmi Devamma.
Ex.P.575(a) Signature of A-1 in Ex.P.575.
Ex.P.576 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-
Ex.P.577 Personal Loan Agreement Dated
27.10.1999.
Ex.P.578 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.579 Authorisation Letter.
Ex.P.580 Letter of Undertaking.
Ex.P.581 Copy of Receipt of Smt.M.Lakshmi
Devamma issued from JJ SC/ST &
Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.582 Acknowledgement for Debt Dated 29.02.2000 for Rs.47,671=71.
Ex.P.583 Salary Certificate of Smt.M.Lakshmi Devamma.
Ex.P.584 SBI Personal Loan Application Dated 10.11.1999 of Sri.Siddaiah Siddaramappa.
Ex.P.584(a) Signature of A-1 in Ex.P.584.
221 [Spl.C.C.92/2004-J]
Ex.P.585 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.586 Personal Loan Agreement Dated
23.11.1999.
Ex.P.587 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.588 Authorisation Letter Dated 23.11.1999.
Ex.P.589 Letter of Undertaking.
Ex.P.590 Copy of Receipt of Sri.S.Siddaramappa
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.591 Acknowledgement for Debt Dated 29.02.2000 for Rs.47,039=62.
Ex.P.592 Salary Certificate of Sri.S.Siddaramappa. Ex.P.593 SBI Personal Loan Application Dated 10.11.1999 of Smt.Manjunathaiah Saraswathi.
Ex.P.593(a) Signature of A-1 in Ex.P.593.
Ex.P.594 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.595 Personal Loan Agreement Dated
23.11.1999.
Ex.P.596 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.597 Authorisation Letter Dated 23.11.1999.
Ex.P.598 Letter of Undertaking.
Ex.P.599 Copy of Receipt of Smt.M.Saraswathi
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.600 Acknowledgement for Debt Dated 29.02.2000 for Rs.47,039=62.
Ex.P.601 Salary Certificate of Smt.M.Saraswathi. Ex.P.602 SBI Personal Loan Application Dated 10.11.1999 of Sri.Manjaiah Shivaram. Ex.P.602(a) Signature of A-1 in Ex.P.602.
222 [Spl.C.C.92/2004-J]
Ex.P.603 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.604 Personal Loan Agreement Dated
23.11.1999.
Ex.P.605 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.11.1999. Ex.P.606 Authorisation Letter Dated 23.11.1999.
Ex.P.607 Letter of Undertaking. Ex.P.608 Copy of Receipt of Sri.M.Shivaram
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.609 Acknowledgement for Debt Dated 29.02.2000 for Rs.47,039=62.
Ex.P.610 Salary Certificate of Sri.M.Shivaram. Ex.P.611 SBI Personal Loan Application Dated 01.10.1999 of Sri.Sajjad Shariff.
Ex.P.611(a) Signature of A-1 in Ex.P.611.
Ex.P.612 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.613 Personal Loan Agreement Dated
08.10.1999.
Ex.P.614 Advances to Personal Banking Sector
Personal Loan Letter Dated
08.10.1999.
EX.P.615 Authorisation Letter.
Ex.P.616 Copy of Receipt Dated 14.10.1999 of
Sri.S.Shariff issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.617 Salary Certificate of Sri.S.Shariff. Ex.P.618 SBI Personal Loan Application Dated 01.10.1999 of Sri.Maiga Shivakumar. Ex.P.618(a) Signature of A-1 in Ex.P.618.
Ex.P.619 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.620 Personal Loan Agreement Dated
08.10.1999.
223 [Spl.C.C.92/2004-J]
Ex.P.621 Advances to Personal Banking Sector
Personal Loan Letter Dated
08.10.1999.
Ex.P.622 Authorisation Letter.
Ex.P.623 Letter of Undertaking.
Ex.P.624 Copy of Receipt Dated 14.10.1999 of
Sri.M.Shivakumar issued from JJ
Nagar SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.625 Salary Certificate of Sri.M.Shivakumar. Ex.P.626 SBI Personal Loan Application Dated 27.07.1999 of Sri.Kannan Somu.
Ex.P.626(a) Signature of A-1 in Ex.P.626.
Ex.P.627 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.628 Personal Loan Agreement Dated
31.07.1999.
Ex.P.629 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.630 Authorisation Letter Dated 31.07.1999.
Ex.P.631 Letter of Undertaking.
Ex.P.632 Copy of Receipt Dated 31.07.1999 of
Sri.K.Somu issued from JJ SC/ST &
Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.633 Salary Certificate of Sri.K.Somu. Ex.P.634 SBI Personal Loan Application Dated 27.07.1999 of Sri.Somu Prakash.
Ex.P.634(a) Signature of A-1 in Ex.P.634.
Ex.P.635 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.636 Personal Loan Agreement Dated
31.07.1999.
Ex.P.637 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.638 Salary Certificate of Sri.S.Prakash.
224 [Spl.C.C.92/2004-J]
Ex.P.639 SBI Personal Loan Application Dated
27.07.1999 of Sri.Mahesh Lokesh.
Ex.P.639(a) Signature of A-1 in Ex.P.639.
Ex.P.640 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.641 Personal Loan Agreement Dated
31.07.1999.
Ex.P.642 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.643 Authorisation Letter Dated 31.07.1999.
Ex.P.644 Letter of Undertaking.
Ex.P.645 Copy of Receipt of Sri.M.Lokesh
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.646 Salary Certificate of Sri.M.Lokesh. Ex.P.647 SBI Personal Loan Application Dated 27.07.1999 of Sri.Murli Sampath Kumar.
Ex.P.647(a) Signature of A-1 in Ex.P.647.
Ex.P.648 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.649 Personal Loan Agreement Dated
31.07.1999.
Ex.P.650 Advances to Personal Banking Sector
Personal Loan Letter Dated 31.07.1999. Ex.P.651 Authorisation Letter Dated 31.07.1999.
Ex.P.652 Letter of Undertaking. Ex.P.653 Copy of Receipt Dated 31.07.1999 of
Sri.M.Sampath Kumar issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.654 Salary Certificate of Sri.M.Sampath Kumar.
Ex.P.655 SBI Personal Loan Application Dated 10.11.1999 of Smt.Krishnamurthy Parvathi.
Ex.P.655(a) Signature of A-1 in Ex.P.655.
225 [Spl.C.C.92/2004-J]
Ex.P.656 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.657 Personal Loan Agreement Dated
23.11.1999.
Ex.P.658 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.11.1999. Ex.P.659 Authorisation Letter Dated 23.11.1999.
Ex.P.660 Letter of Undertaking. Ex.P.661 Copy of Receipt Dated 23.11.1999 of
Smt.K.Parvathi issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.662 Acknowledgement for Debt Dated 29.02.2000 for Rs.47,039=62.
Ex.P.663 Salary Certificate of Smt.K.Parvathi. Ex.P.664 SBI Personal Loan Application Dated 07.10.1999 of Smt.Krishna Iyer Rajalakshmi.
Ex.P.664(a) Signature of A-1 in Ex.P.664.
Ex.P.665 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-
Ex.P.666 Personal Loan Agreement Dated
08.10.1999.
Ex.P.667 Advances to Personal Banking Sector
Personal Loan Letter Dated 08.10.1999.
Ex.P.668 Authorisation Letter. Ex.P.669 Letter of Undertaking. Ex.P.670 Copy of Receipt of Smt.K.Rajalakshmi
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.671 Acknowledgement for Debt Dated 29.02.2000 for Rs.46,188=82.
Ex.P.672 Salary Certificate of Smt.K.Rajalakshmi. Ex.P.673 SBI Personal Loan Application Dated 10.08.1999 of Smt.Manohar Dhanalakshmi.
Ex.P.673(a) Signature of A-1 in Ex.P.673. Ex.P.674 Demand Promissory Note Delivery Letter Dated 18.08.1999 for Rs.50,000/-.
226 [Spl.C.C.92/2004-J] Ex.P.675 Personal Loan Agreement Dated 18.08.1999.
Ex.P.676 Advances to Personal Banking Sector
Personal Loan Letter Dated
18.08.1999.
Ex.P.677 Authorisation Letter Dated 18.08.1999.
Ex.P.678 Letter of Undertaking.
Ex.P.679 Copy of Receipt Dated 19.11.1999 of
Smt.M.Dhanalakshmi issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.680 Salary Certificate of Smt.M.Dhanalakshmi.
Ex.P.681 SBI Personal Loan Application Dated 10.11.1999 of Sri.N.Muniraja.
Ex.P.681(a) Signature of A-1 in Ex.P.681.
Ex.P.682 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.683 Personal Loan Agreement Dated
23.11.1999.
Ex.P.684 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.11.1999. Ex.P.685 Authorisation Letter Dated 23.11.1999.
Ex.P.686 Letter of Undertaking. Ex.P.687 Copy of Receipt of Sri.N.Muniraja
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.688 Acknowledgement for Debt Dated 29.02.2000 for Rs.47,039=62.
Ex.P.689 Salary Certificate of Sri.N.Muniraja. Ex.P.690 SBI Personal Loan Application Dated 13.07.1999 of Sri.Peter Devaraj Robert Williams.
Ex.P.690(a) Signature of A-1 in Ex.P.690.
Ex.P.691 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.692 Personal Loan Agreement Dated
23.11.1999.
227 [Spl.C.C.92/2004-J]
Ex.P.693 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.11.1999. Ex.P.694 Authorisation Letter Dated 23.11.1999.
Ex.P.695 Letter of Undertaking. Ex.P.696 Copy of Receipt Dated 24.07.1999 of
Sri.P.D.Robert Williams issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.697 SBI Personal Loan Application Dated 09.07.1999 of Sri.Marudaiah Parthasarathy.
Ex.P.697(a) Signature of A-1 in Ex.P.697.
Ex.P.698 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.699 Personal Loan Agreement Dated
23.07.1999.
Ex.P.700 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.07.1999.
Ex.P.701 Authorisation Letter Dated 23.07.1999.
Ex.P.702 Letter of Undertaking.
Ex.P.703 Copy of Receipt Dated 24.07.1999 of
Sri.M.Parthasarathy issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.704 Salary Certificate Dated 07.07.1999. Ex.P.705 SBI Personal Loan Application Dated 01.10.1999 of Smt.Prabhakar Stella Mary.
Ex.P.705(a) Signature of A-1 in Ex.P.705.
Ex.P.706 Demand Promissory Note Delivery
Letter Dated 13.07.1999 for
Rs.50,000/-.
Ex.P.707 Personal Loan Agreement Dated
13.07.1999.
Ex.P.708 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.07.1999.
Ex.P.709 Letter of Undertaking.
228 [Spl.C.C.92/2004-J]
Ex.P.710 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.711 Authorisation Letter Dated 13.10.1999.
Ex.P.712 Salary Certificate of Smt.P.Stella
Mary.
Ex.P.713 Copy of Receipt of Smt.P.Stella Mary
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.714 SBI Personal Loan Application Dated 23.08.1999 of Sri.Ulaganathan Nanda Kumar.
Ex.P.714(a) Signature of A-1 in Ex.P.714.
Ex.P.715 Demand Promissory Note Delivery
Letter Dated 01.09.1999 for
Rs.50,000/-.
Ex.P.716 Personal Loan Agreement Dated
01.09.1999.
Ex.P.717 Letter of Arrangement Dated
01.09.1999.
Ex.P.718 Letter of Undertaking.
Ex.P.719 Authorisation Letter Dated 01.09.1999.
Ex.P.720 Salary Certificate Dated 16.08.1999
of Sri.U.Nanda Kumar.
Ex.P.721 Copy of Receipt Dated 25.09.1999 of
Sri.U.Nanda Kumar issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.722 SBI Personal Loan Application Dated
10.11.1999 of Sri.R.Chennakeshavaiah. Ex.P.722(a) Signature of A-1 in Ex.P.722.
Ex.P.723 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.724 Personal Loan Agreement Dated
23.11.1999.
Ex.P.725 Advances to Personal Banking Sector
Personal Loan Dated 23.11.1999.
Ex.P.726 Letter of Undertaking.
Ex.P.727 Authorisation Letter Dated 23.11.1999.
229 [Spl.C.C.92/2004-J]
Ex.P.728 Salary Certificate of
Sri.R.Chennakeshavaiah.
Ex.P.729 Copy of Receipt of
Sri.R.Chennakeshavaiah issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.730 SBI Personal Loan Application Dated 20.09.1999 of Sri.B.Venkateshaiah Nandagopal.
Ex.P.730(a) Signature of A-1 in Ex.P.730.
Ex.P.731 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.732 Personal Loan Agreement Dated
24.09.1999.
Ex.P.733 Advances to Personal Banking Sector
Personal Loan Dated 24.09.1999.
Ex.P.734 Letter of Undertaking.
Ex.P.735 Authorisation Letter.
Ex.P.736 Salary Certificate Dated 15.09.1999
of Sri.B.V.Nanda Gopal.
Ex.P.737 Copy of Receipt Dated 29.09.1999 of
Sri.B.V.Nanda Gopal issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.738 SBI Personal Loan Application Dated 06.07.1999 of Sri.Imtiaz Pasha.
Ex.P.738(a) Signature of A-1 in Ex.P.738.
Ex.P.739 Demand Promissory Note Delivery
Letter Dated 17.07.1999 for
Rs.50,000/-.
Ex.P.740 Personal Loan Agreement Dated
17.07.1999.
Ex.P.741 Advances to Personal Banking Sector
Personal Loan Dated 17.07.1999.
Ex.P.742 Letter of Undertaking.
Ex.P.743 Authorisation Letter Dated 17.07.1999.
Ex.P.744 Salary Certificate of Sri.Imtiaz Pasha.
Ex.P.745 Copy of Receipt of Sri.Imtiaz Pasha
issued from JJ SC/ST & Backward Co-
230 [Spl.C.C.92/2004-J] operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.746 SBI Personal Loan Application Dated 20.10.1999 of Sri.Doreswamy Kiran. Ex.P.746(a) Signature of A-1 in Ex.P.746.
Ex.P.747 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.748 Personal Loan Agreement Dated
27.10.1999.
Ex.P.749 Advances to Personal Banking Sector
Personal Loan Dated 27.10.1999.
Ex.P.750 Letter of Undertaking Dated
08.11.1999.
Ex.P.751 Authorisation Letter Dated 21.10.1999.
Ex.P.752 Salary Certificate Dated 15.10.1999
of Sri.D.Kiran.
Ex.P.753 Copy of Receipt Dated 27.10.1999 of
Sri.D.Kiran issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.754 SBI Personal Loan Application Dated 01.10.1999 of Smt.V.S.Rao Usha.
Ex.P.754(a) Signature of A-1 in Ex.P.754.
Ex.P.755 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.756 Personal Loan Agreement Dated
13.10.1999.
Ex.P.757 Advances to Personal Banking Sector
Personal Loan Dated 13.10.1999.
Ex.P.758 Letter of Undertaking.
Ex.P.759 Authorisation Letter Dated 13.10.1999.
Ex.P.760 Salary Certificate Dated 29.09.1999
of Smt.V.S.R.Usha.
Ex.P.761 Copy of Receipt Dated 28.10.1999 of
Smt.V.S.R.Usha issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.762 SBI Personal Loan Application Dated 04.07.1999 of Smt.Narasimhaiah Rangalakshmi.
231 [Spl.C.C.92/2004-J] Ex.P.762(a) Signature of A-1 in Ex.P.762.
Ex.P.763 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.764 Personal Loan Agreement Dated
23.07.1999.
Ex.P.765 Advances to Personal Banking Sector
Personal Loan Dated 23.07.1999.
Ex.P.766 Letter of Undertaking.
Ex.P.767 Authorisation Letter Dated 23.07.1999.
Ex.P.768 Salary Certificate Dated 07.07.1999
of Smt.N.Rangalakshmi.
Ex.P.769 Copy of Receipt Dated 24.07.1999 of
Smt.N.Rangalakshmi issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.770 SBI Personal Loan Application Dated 15.07.1999 of Sri.Muniswamy Krishnappa.
Ex.P.770(a) Signature of A-1 in Ex.P.770.
Ex.P.771 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.772 Personal Loan Agreement Dated
23.07.1999.
Ex.P.773 Advances to Personal Banking Sector
Personal Loan Dated 23.07.1999.
Ex.P.774 Letter of Undertaking.
Ex.P.775 Acknowledgement for Debt Dated
29.02.2000 for Rs.42,103=59.
Ex.P.776 Authorisation Letter Dated 23.07.1999.
Ex.P.777 Salary Certificate Dated 04.07.1999.
Ex.P.778 Copy of Receipt Dated 24.07.1999 of
Sri.M.Krishnappa issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.779 SBI Personal Loan Application Dated
08.10.1999 of Sri.Rangaswamy
Kishoreswamy.
Ex.P.779(a) Signature of A-1 in Ex.P.779.
232 [Spl.C.C.92/2004-J]
Ex.P.780 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.781 Personal Loan Agreement Dated
13.10.1999.
Ex.P.782 Advances to Personal Banking Sector
Personal Loan Dated 13.10.1999.
Ex.P.783 Letter of Undertaking.
Ex.P.784 Authorisation Letter Dated 13.10.1999.
Ex.P.785 Salary Certificate of Sri.R.Kishoreswamy.
Ex.P.786 Copy of Receipt of Sri.R.Kishoreswamy
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.787 SBI Personal Loan Application Dated 08.07.1999 of Sri.Kittuswamy Ramesh. Ex.P.787(a) Signature of A-1 in Ex.P.787.
Ex.P.788 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.789 Personal Loan Agreement Dated
23.07.1999.
Ex.P.790 Advances to Personal Banking Sector
Personal Loan Dated 23.07.1999.
Ex.P.791 Letter of Undertaking.
Ex.P.792 Authorisation Letter.
Ex.P.793 Salary Certificate Dated 07.07.1999.
Ex.P.794 Copy of Receipt of Sri.K.Ramesh
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.795 SBI Personal Loan Application Dated 10.08.1999 of Sri.Govindappa Somesh.
Ex.P.795(a) Signature of A-1 in Ex.P.795.
Ex.P.796 Demand Promissory Note Delivery
Letter Dated 18.08.1999 for
Rs.50,000/-.
Ex.P.797 Personal Loan Agreement Dated
18.08.1999.
Ex.P.798 Advances to Personal Banking Sector
Personal Loan Dated 18.08.1999.
233 [Spl.C.C.92/2004-J]
Ex.P.799 Letter of Undertaking.
Ex.P.800 Acknowledgement for Debt Dated
29.02.2000 for Rs.43,486=01.
Ex.P.801 Authorisation Letter Dated 18.08.1999.
Ex.P.802 Salary Certificate of Sri.G.Somesh.
Ex.P.803 SBI Personal Loan Application Dated
20.10.1999 of Sri.Sampath Kumar.
Ex.P.803(a) Signature of A-1 in Ex.P.803.
Ex.P.804 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.805 Personal Loan Agreement Dated
27.07.1999.
Ex.P.806 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.807 Letter of Undertaking Dated 27.10.1999.
Ex.P.808 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.809 Authorisation Letter Dated 27.10.1999.
Ex.P.810 Salary Certificate of Sri.Sampath
Kumar.
Ex.P.811 Copy of Receipt of Sri.Sampath
Kumar issued from JJ SC/ST &
Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.812 SBI Personal Loan Application Dated 01.10.1999 of Sri.Karrasu Ramesh.
Ex.P.812(a) Signature of A-1 in Ex.P.812.
Ex.P.813 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.814 Personal Loan Agreement Dated
13.10.1999.
Ex.P.815 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.816 Letter of Undertaking.
Ex.P.817 Authorisation Letter Dated 13.10.1999.
Ex.P.818 Salary Certificate of Sri.K.Ramesh.
Ex.P.819 Copy of Receipt of Sri.K.Ramesh
issued from JJ SC/ST & Backward Co-
234 [Spl.C.C.92/2004-J] operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.820 SBI Personal Loan Application Dated 29.07.1999 of Smt.Gangamallaiah Jayalakshamma.
Ex.P.820(a) Signature of A-1 in Ex.P.820.
Ex.P.821 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.822 Personal Loan Agreement Dated
31.07.1999.
Ex.P.823 Advances to Personal Banking Sector
Personal Loan Letter Dated 31.07.1999.
Ex.P.824 Letter of Undertaking.
Ex.P.825 Authorisation Letter.
Ex.P.826 Salary certificate of
Smt.G.Jayalakshamma.
Ex.P.827 Copy of Receipt Dated 31.07.1999 of
Smt.G.Jayalakshamma issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.828 SBI Personal Loan Application Dated 29.07.1999 of Sri.Bhaskar Narayana. Ex.P.828(a) Signature of A-1 in Ex.P.828.
Ex.P.829 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.830 Personal Loan Agreement Dated
31.07.1999.
Ex.P.831 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.832 Letter of Undertaking.
Ex.P.833 Acknowledgement for Debt Dated
29.02.2000 for Rs.43,925=50.
Ex.P.834 Authorisation Letter Dated 31.07.1999.
Ex.P.835 Salary Certificate Dated 25.07.1999.
Ex.P.836 Copy of Receipt Dated 31.07.1999 of
Sri.B.Narayana issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
235 [Spl.C.C.92/2004-J] Ex.P.837 SBI Personal Loan Application Dated 04.07.1999 of Smt.Gulshira Khanam. Ex.P.837(a) Signature of A-1 in Ex.P.837.
Ex.P.838 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.839 Personal Loan Agreement Dated
23.07.1999.
Ex.P.840 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.07.1999.
Ex.P.841 Letter of Undertaking.
Ex.P.842 Authorisation Letter Dated 23.07.1999.
Ex.P.843 Salary Certificate of Smt.G.Khanam.
Ex.P.844 Copy of Receipt of Smt.G.Khanam
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.845 SBI Personal Loan Application Dated 10.08.1999 of Smt.Arogyadas Arogya Mary.
Ex.P.845(a) Signature of A-1 in Ex.P.845.
Ex.P.846 Demand Promissory Note Delivery
Letter Dated 18.08.1999 for
Rs.50,000/-.
Ex.P.847 Personal Loan Agreement Dated
18.08.1999.
Ex.P.848 Advances to Personal Banking Sector
Personal Loan Letter Dated
18.08.1999.
Ex.P.849 Letter of Undertaking.
Ex.P.850 Authorisation Letter Dated 18.08.1999.
Ex.P.851 Salary Certificate of Smt.A.Arogya
Mary.
Ex.P.852 Copy of Receipt Dated 19.08.1999 of
Smt.A.Arogya Mary issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.853 SBI Personal Loan Application Dated
10.08.1999 of Smt.P.Kalavathy.
Ex.P.853(a) Signature of A-1 in Ex.P.853.
236 [Spl.C.C.92/2004-J]
Ex.P.854 Demand Promissory Note Delivery
Letter Dated 18.08.1999 for
Rs.50,000/-.
Ex.P.855 Personal Loan Agreement Dated
18.08.1999.
Ex.P.856 Advances to Personal Banking Sector
Personal Loan Letter Dated 18.08.1999.
Ex.P.857 Letter of Undertaking. Ex.P.858 Authorisation Letter Dated 18.08.1999. Ex.P.859 Salary Certificate of Smt.P.Kalavathy. Ex.P.860 Copy of Receipt Dated 19.08.1999 of
Smt.P.Kalavathy issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.861 SBI Personal Loan Application Dated 21.10.1999 of Smt.Shivegowda Usha. Ex.P.861(a) Signature of A-1 in Ex.P.861.
Ex.P.862 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.863 Personal Loan Agreement Dated
27.10.1999.
Ex.P.864 Advances to Personal Banking Sector
Personal Loan Letter Dated 27.10.1999.
Ex.P.865 Letter of Undertaking.
Ex.P.866 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.867 Authorisation Letter Dated 27.10.1999.
Ex.P.868 Salary Certificate of Smt.S.Usha.
Ex.P.869 SBI Personal Loan Application Dated
21.10.1999 of Smt.Clera Nalinakshi. Ex.P.869(a) Signature of A-1 in Ex.P.869.
Ex.P.870 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.871 Personal Loan Agreement Dated
27.10.1999.
Ex.P.872 Advances to Personal Banking Sector
Personal Loan Letter.
Ex.P.873 Letter of Undertaking.
Ex.P.874 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
237 [Spl.C.C.92/2004-J]
Ex.P.875 Authorisation Letter Dated 27.10.1999.
Ex.P.876 Salary Certificate of Smt.C.Nalinakshi.
Ex.P.877 SBI Personal Loan Application Dated
14.01.2000 of Sri.Jayanna Suresh Babu.
Ex.P.877(a) Signature A-1 in Ex.P.877.
Ex.P.878 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.879 Personal Loan Agreement Dated
14.01.2000.
Ex.P.880 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.01.2000.
Ex.P.881 Authorisation Letter.
Ex.P.882 Salary Certificate of Sri.J.Suresh
Babu.
Ex.P.883 SBI Personal Loan Application Dated
14.01.2000 of Sri.Dhanashekar
Lokesh.
Ex.P.883(a) Signature of A-1 in Ex.P.883.
Ex.P.884 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.885 Personal Loan Agreement.
Ex.P.886 Advances to Personal Banking Sector
Personal Loan Letter Dated 14.01.2000.
Ex.P.887 Authorisation Letter. Ex.P.888 Salary Certificate of Sri.D.Lokesh. Ex.P.889 SBI Personal Loan Application Dated
21.09.1999 of of Smt.K.R.Mallamma. Ex.P.889(a) Signature of A-1 in Ex.P.889.
Ex.P.890 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.891 Personal Loan Agreement Dated
24.09.1999.
Ex.P.892 Advances to Personal Banking Sector
Personal Loan Letter Dated
24.09.1999.
Ex.P.893 Letter of Undertaking.
Ex.P.894 Authorisation Letter Dated 24.09.1999.
238 [Spl.C.C.92/2004-J]
Ex.P.895 Salary Certificate Dated 18.09.1999
of Smt.K.R.Mallamma.
Ex.P.896 Copy of Receipt of Smt.K.R.Mallamma
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.897 SBI Personal Loan Application Dated 10.11.1999 of Sri.Manjaiah Sunderesh. Ex.P.897(a) Signature of A-1 in Ex.P.897.
Ex.P.898 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.899 Personal Loan Agreement Dated
23.11.1999.
Ex.P.900 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.901 Letter of Undertaking.
Ex.P.902 Authorisation Letter Dated 23.11.1999.
Ex.P.903 Salary Certificate of Sri.M.Sunderesh.
Ex.P.904 Copy of Receipt Dated 25.11.1999 of
Sri.M.Sunderesh issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.905 SBI Personal Loan Application Dated 10.11.1999 of Sri.Rajaiah Sathish. Ex.P.905(a) Signature of A-1 in Ex.P.905.
Ex.P.906 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.907 Personal Loan Agreement Dated
23.11.1999.
Ex.P.908 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.909 Letter of Undertaking.
Ex.P.910 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.911 Authorisation Letter Dated 23.11.1999.
Ex.P.912 Salary Certificate of Sri.R.Sathish.
Ex.P.913 Copy of Receipt Dated 26.11.1999 of
Sri.R.Sathish issued from JJ SC/ST & 239 [Spl.C.C.92/2004-J] Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.914 SBI Personal Loan Application Dated 14.01.2000 of Smt.Anjanappa Nalini. Ex.P.914(a) Signature of A-1 in Ex.P.914.
Ex.P.915 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.916 Personal Loan Agreement Dated
14.01.2000.
Ex.P.917 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.01.2000.
Ex.P.918 Authorisation Letter.
Ex.P.919 Salary Certificate of Smt.A.Nalini.
Ex.P.920 SBI Personal Loan Application Dated
14.01.2000 of Sri.Muniyappa Balaji. Ex.P.920(a) Signature of A-1 in Ex.P.920.
Ex.P.921 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.922 Personal Loan Agreement Dated
14.01.2000.
Ex.P.923 Advances to Personal Banking Sector
Personal Loan Letter Dated 14.01.2000.
Ex.P.924 Authorisation Letter.
Ex.P.925 Salary Certificate of Sri.M.Balaji.
Ex.P.926 SBI Personal Loan Application Dated
07.10.1999 of Sri.N.B. Bhaskar.
Ex.P.926(a) Signature of A-1 in Ex.P.926.
Ex.P.927 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.928 Personal Loan Agreement Dated
08.10.1999.
Ex.P.929 Advances to Personal Banking Sector
Personal Loan Letter Dated
08.10.1999.
Ex.P.930 Letter of Undertaking.
Ex.P.931 Authorisation Letter.
Ex.P.932 Salary Certificate of Sri.N.B.Bhaskar.
Ex.P.933 Copy of Receipt of Sri.N.B.Bhaskar
240 [Spl.C.C.92/2004-J]
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.934 SBI Personal Loan Application Dated 10.11.1999 of Sri.Narasimhaiah Rangaswamy.
Ex.P.934(a) Signature of A-1 in Ex.P.934.
Ex.P.935 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.936 Personal Loan Agreement Dated
23.11.1999.
Ex.P.937 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.11.1999.
Ex.P.938 Letter of Undertaking.
Ex.P.939 Authorisation Letter Dated 23.11.1999.
Ex.P.940 Salary Certificate of Sri.N.Rangaswamy.
Ex.P.941 Copy of Receipt Dated 25.11.1999 of
Sri.N.Rangaswamy issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.942 SBI Personal Loan Application Dated
07.09.1999 of Smt.Kamalamma.
Ex.P.942(a) Signature of A-1 in Ex.P.942.
Ex.P.943 Demand Promissory Note Delivery
Letter Dated 14.09.1999 for
Rs.50,000/-.
Ex.P.944 Personal Loan Agreement Dated
14.09.1999.
Ex.P.945 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.09.1999.
Ex.P.946 Letter of Undertaking.
Ex.P.947 Authorisation Letter.
Ex.P.948 Salary Certificate of Smt.Kamalamma.
Ex.P.949 Copy of Receipt Dated 15.09.1999 of
Smt.Kamalamma issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
241 [Spl.C.C.92/2004-J]
Ex.P.950 SBI Personal Loan Application Dated
07.09.1999 of Sri.M.Mani Vachagam. Ex.P.950(a) Signature of A-1 in Ex.P.950.
Ex.P.951 Demand Promissory Note Delivery
Letter Dated 14.09.1999 for
Rs.50,000/-.
Ex.P.952 Personal Loan Agreement Dated
14.09.1999.
Ex.P.953 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.09.1999.
Ex.P.954 Letter of Undertaking Dated
07.09.1999.
Ex.P.955 Authorisation Letter.
Ex.P.956 Salary Certificate of Sri.M.Mani
Vachagam.
Ex.P.957 Copy of Receipt Dated 31.07.1999 of
Sri.M.Mani Vachagam issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-. Ex.P.958 SBI Personal Loan Application Dated 30.07.1999 of Sri.Premanandam David. Ex.P.958(a) Signature of A-1 in Ex.P.958.
Ex.P.959 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.960 Personal Loan Agreement Dated
31.07.1999.
Ex.P.961 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.962 Letter of Undertaking.
Ex.P.963 Authorisation Letter Dated 31.07.1999.
Ex.P.964 Salary Certificate of Sri.P.David.
Ex.P.965 Copy of Receipt Dated 31.07.1999 of
Sri.P.David issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.966 SBI Personal Loan Application Dated 17.09.1999 of Sri.Dada Peer.
Ex.P.966(a) Signature of A-1 in Ex.P.966.
242 [Spl.C.C.92/2004-J]
Ex.P.967 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.968 Personal Loan Agreement Dated
24.09.1999.
Ex.P.969 Advances to Personal Banking Sector
Personal Loan Letter Dated 24.09.1999. Ex.P.970 Letter of Undertaking Dated 17.09.1999. Ex.P.971 Authorisation Letter Dated 24.09.1999. Ex.P.972 Salary Certificate of Sri.Dada Peer. Ex.P.973 Copy of Receipt of Sri.Dada peer issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.974 SBI Personal Loan Application Dated 23.08.1999 of Smt.Parvathamma.
Ex.P.905(a) Signature of A-1 in Ex.P.905.
Ex.P.975 Demand Promissory Note Delivery
Letter Dated 01.09.1999 for
Rs.50,000/-.
Ex.P.976 Personal Loan Agreement Dated
01.09.1999.
Ex.P.977 Advances to Personal Banking Sector
Personal Loan Letter Dated
01.09.1999.
Ex.P.978 Letter of Undertaking.
Ex.P.979 Authorisation Letter Dated 01.09.1999.
Ex.P.980 Salary Certificate Dated 20.08.1999
of Smt.Parvathamma.
Ex.P.981 Copy of Receipt Dated 03.09.1999 of
Smt.Parvathamma issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.982 SBI Personal Loan Application Dated
10.11.1999 of Sri.G.Srinivas.
Ex.P.982(a) Signature of A-1 in Ex.P.982.
Ex.P.983 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.984 Personal Loan Agreement Dated
23.11.1999.
243 [Spl.C.C.92/2004-J]
Ex.P.985 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.986 Letter of Undertaking.
Ex.P.987 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=60.
Ex.P.988 Authorisation Letter Dated 23.11.1999.
Ex.P.989 Salary Certificate of Sri.G.Srinivas.
Ex.P.990 Copy of Receipt Dated 25.11.1999 of
Sri.G.Srinivas issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.991 SBI Personal Loan Application Dated 27.07.1999 of Sri.Gangaraj Narasimhaiah.
Ex.P.991(a) Signature of A-1 in Ex.P.991.
Ex.P.992 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.993 Personal Loan Agreement Dated
31.07.1999.
Ex.P.994 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.995 Letter of Undertaking Dated
30.07.1999.
Ex.P.996 Authorisation Letter Dated 31.07.1999.
Ex.P.997 Salary Certificate Dated 30.07.1999
of Sri.G.Narasimhaiah.
Ex.P.998 SBI Personal Loan Application Dated
21.10.1999 of Sri.Manjaiah Panduranga. Ex.P.998(a) Signature of A-1 in Ex.P.998.
Ex.P.999 Demand Promissory Note Delivery
Letter Dated 27.10.2000 for
Rs.50,000/-.
Ex.P.1000 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1001 Advances to Personal Banking Sector
Personal Loan Letter.
Ex.P.1002 Letter of Undertaking.
Ex.P.1003 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
244 [Spl.C.C.92/2004-J]
Ex.P.1004 Authorisation Letter Dated 27.10.1999.
Ex.P.1005 Salary Certificate of Sri.M.Panduranga.
Ex.P.1006 Copy of Receipt of Sri.M.Panduranga
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1007 SBI Personal Loan Application Dated 21.10.1999 of Sri.Pandaiah Rangaiah. Ex.P.1007(a) Signature of A-1 in Ex.P.1007.
Ex.P.1008 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1009 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1010 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1011 Letter of Undertaking Dated 20.10.1999.
Ex.P.1012 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1013 Authorisation Letter Dated 27.10.1999.
Ex.P.1014 Salary Certificate of Sri.P.Rangaiah.
Ex.P.1015 Copy of Receipt of Sri.P.Rangaiah
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1016 SBI Personal Loan Application Dated 10.11.1999 of Sri.B.Gopalappa.
Ex.P.1016(a) Signature of A-1 in Ex.P.1016.
Ex.P.1017 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1018 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1019 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1020 Letter of Undertaking.
Ex.P.1021 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1022 Authorisation Letter Dated 23.11.1999.
245 [Spl.C.C.92/2004-J]
Ex.P.1023 Salary Certificate of Sri.B.Gopalappa.
Ex.P.1024 Copy of Receipt Dated 26.11.1999 of
Sri.B.Gopalappa issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1025 SBI Personal Loan Application Dated 10.11.1999 of Sri.Rangaiah Kempaiah. Ex.P.1025(a) Signature of A-1 in Ex.P.1025.
Ex.P.1026 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1027 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1028 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1029 Letter of Undertaking.
Ex.P.1030 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1031 Authorisation Letter Dated 23.11.1999.
Ex.P.1032 Salary Certificate of Sri.R.Kempaiah.
Ex.P.1033 Copy of Receipt Dated 25.11.1999 of
Sri.R.Kempaiah issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1034 SBI Personal Loan Application Dated 01.10.1999 of Smt.Chellappa Lakshmamma.
Ex.P.1034(a) Signature of A-1 in Ex.P.1034.
Ex.P.1035 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1036 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1037 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1038 Letter of Undertaking.
Ex.P.1039 Authorisation Letter Dated 13.10.1999.
Ex.P.1040 Salary Certificate of
Smt.C.Lakshmamma.
246 [Spl.C.C.92/2004-J]
Ex.P.1041 Copy of Receipt of Smt.C.Lakshmamma
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1042 SBI Personal Loan Application Dated 01.10.1999 of Smt.Samuel Esthar.
Ex.P.1042(a) Signature of A-1 in Ex.P.1042.
Ex.P.1043 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1044 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1045 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1046 Letter of Undertaking.
Ex.P.1047 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1048 Authorisation Letter Dated 13.10.1999.
Ex.P.1049 Copy of Receipt of Smt.S.Esthar
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1050 SBI Personal Loan Application Dated 01.10.1999 of Sri.Umashankar.
Ex.P.1050(a) Signature of A-1 in Ex.P.1050.
Ex.P.1051 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1052 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1053 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1054 Letter of Undertaking.
Ex.P.1055 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1056 Authorisation Letter Dated 13.10.1999.
Ex.P.1057 Copy of Receipt of Sri.Umashankar
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
247 [Spl.C.C.92/2004-J] Ex.P.1058 SBI Personal Loan Application Dated 01.10.1999 of Sri.N.Prabhu Das.
Ex.P.1058(a) Signature of A-1 in Ex.P.1058.
Ex.P.1059 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1060 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1061 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1062 Letter of Undertaking.
Ex.P.1063 Authorisation Letter Dated 13.10.1999.
Ex.P.1064 Copy of Receipt Dated 25.11.1999 of
Sri.N.Prabhudas issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1065 SBI Personal Loan Application Dated 29.10.1999 of Sri.Deeran Palaniswamy. Ex.P.1065(a) Signature of A-1 in Ex.P.1065.
Ex.P.1066 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1067 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1068 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1069 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1070 Authorisation Letter Dated 23.11.1999.
Ex.P.1071 Salary Certificate of Sri.D.Palaniswamy.
Ex.P.1072 Copy of Receipt of Sri.D.Palaniswamy
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1073 SBI Personal Loan Application Dated 10.11.1999 of Sri.Channaiah Shivanarayana.
Ex.P.1073(a) Signature of A-1 in Ex.P.1073. Ex.P.1074 Demand Promissory Note Delivery Letter Dated 23.11.1999 for Rs.50,000/-.
248 [Spl.C.C.92/2004-J] Ex.P.1075 Personal Loan Agreement Dated 23.11.1999.
Ex.P.1076 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1077 Letter of Undertaking.
Ex.P.1078 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1079 Authorisation Letter Dated 23.11.1999.
Ex.P.1080 Salary Certificate of Sri.C.Shivanarayana.
Ex.P.1081 Copy of Receipt Dated 25.11.1999 of
Sri.C.Shivanarayana issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1082 SBI Personal Loan Application Dated 10.11.1999 of Sri.B.Dhanappa.
Ex.P.1082(a) Signature of A-1 in Ex.P.1082.
Ex.P.1083 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1084 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1085 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1086 Letter of Undertaking Dated
23.11.1999.
Ex.P.1087 Authorisation Letter Dated 23.11.1999.
Ex.P.1088 Salary Certificate of Sri.B.Dhanappa.
Ex.P.1089 Copy of Receipt Dated 25.11.1999 of
Sri.B.Dhanappa issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1090 SBI Personal Loan Application Dated 10.11.1999 of Sri.Jayaram Ramanujaiah. Ex.P.1090(a) Signature of A-1 in Ex.P.1090.
Ex.P.1091 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1092 Personal Loan Agreement Dated
23.11.1999.
249 [Spl.C.C.92/2004-J]
Ex.P.1093 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1094 Letter of Undertaking.
Ex.P.1095 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1096 Authorisation Letter Dated 23.11.1999.
Ex.P.1097 Salary Certificate of Sri.J.Ramanujaiah.
Ex.P.1098 Copy of Receipt Dated 26.11.1999 of
Sri.J.Ramanujaiah issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1099 SBI Personal Loan Application Dated 21.10.1999 of Sri.M.N.Ravikumar.
Ex.P.1099(a) Signature of A-1 in Ex.P.1099.
Ex.P.1100 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1101 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1102 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1103 Letter of Undertaking.
Ex.P.1104 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1105 Authorisation Letter Dated 27.10.1999.
Ex.P.1106 Salary Certificate of Sri.M.N.Ravikumar.
Ex.P.1107 Copy of Receipt of Sri.M.N.Ravikumar
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1108 SBI Personal Loan Application Dated 02.12.1999 of Sri.M.Muthuraj.
Ex.P.1108(a) Signature of A-1 in Ex.P.1108.
Ex.P.1109 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.1110 Personal Loan Agreement Dated
14.01.2000.
Ex.P.1111 Advances to Personal Banking Sector
250 [Spl.C.C.92/2004-J]
Personal Loan Letter Dated
14.01.2000.
Ex.P.1112 Authorisation Letter.
Ex.P.1113 Salary Certificate of Sri.M.Muthuraj.
Ex.P.1114 SBI Personal Loan Application Dated
17.09.1999 of Sri.Ismail.
Ex.P.1114(a) Signature of A-1 in Ex.P.1114.
Ex.P.1115 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.1116 Personal Loan Agreement Dated
24.09.1999
Ex.P.1117 Advances to Personal Banking Sector
Personal Loan Letter Dated 24.09.1999.
Ex.P.1118 Copy of Undertaking.
Ex.P.1119 Authorisation Letter Dated 24.09.1999.
Ex.P.1120 Salary Certificate of Sri.Ismail.
Ex.P.1121 Copy of Receipt of Sri.Ismail issued
from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1122 SBI Personal Loan Application Dated 01.10.1999 of Sri.Subbarao.
Ex.P.1122(a) Signature of A-1 in Ex.P.1122.
Ex.P.1123 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1124 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1125 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1126 Letter of Undertaking.
Ex.P.1127 Authorisation Letter Dated 13.10.1999.
Ex.P.1128 Salary Certificate of Sri.Subbarao.
Ex.P.1129 Copy of Receipt of Sri.Subbarao
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1130 SBI Personal Loan Application Dated 01.10.1999 of Sri.Stephen Imbaraj. Ex.P.1130(a) Signature of A-1 in Ex.P.1130.
251 [Spl.C.C.92/2004-J]
Ex.P.1131 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1132 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1133 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1134 Letter of Undertaking.
Ex.P.1135 Authorisation Letter Dated 13.10.1999.
Ex.P.1136 Salary Certificate of Sri.S.Imbaraj.
Ex.P.1137 Copy of Receipt Dated 13.10.1999 of
Sri.S.Imbaraj issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1138 SBI Personal Loan Application Dated 01.10.1999 of Smt.B.S.Vijaya Rani. Ex.P.1138(a) Signature of A-1 in Ex.P.1138.
Ex.P.1139 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1140 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1141 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1142 Letter of Undertaking.
Ex.P.1143 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1144 Authorisation Letter Dated 13.10.1999.
Ex.P.1145 Salary Certificate of Smt.B.S.Vijaya
Rani.
Ex.P.1146 Copy of Receipt Dated 14.10.1999 of
Smt.B.S.Vijaya Rani issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1147 SBI Personal Loan Application Dated 29.09.1999 of Sri.T.Ravichandran. Ex.P.1147(a) Signature of A-1 in Ex.P.1147. Ex.P.1148 Demand Promissory Note Delivery Letter Dated 13.10.1999 for Rs.50,000/-.
252 [Spl.C.C.92/2004-J] Ex.P.1149 Personal Loan Agreement Dated 13.10.1999.
Ex.P.1150 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1151 Letter of Undertaking.
Ex.P.1152 Authorisation Letter.
Ex.P.1153 Salary Certificate of Sri.T.Ravichandran.
Ex.P.1154 Copy of Receipt Dated 08.10.1999 of
Sri.T.Ravichandran issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1155 SBI Personal Loan Application Dated 01.10.1999 of Sri.Premanand Euben. Ex.P.1155(a) Signature of A-1 in Ex.P.1155.
Ex.P.1156 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1157 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1158 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1159 Letter of Undertaking.
Ex.P.1160 Authorisation Letter Dated 13.10.1999.
Ex.P.1161 Salary Certificate of Sri.P.Euben.
Ex.P.1162 Copy of Receipt of Sri.P.Euben issued
from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1163 SBI Personal Loan Application Dated 01.10.1999 of Smt.Gidiyon Suguna.
Ex.P.1163(a) Signature of A-1 in Ex.P.1163.
Ex.P.1164 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1165 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1166 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
253 [Spl.C.C.92/2004-J]
Ex.P.1167 Letter of Undertaking.
Ex.P.1168 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1169 Authorisation Letter Dated
13.10.1999.
Ex.P.1170 Salary Certificate of Smt.G.Suguna.
Ex.P.1171 Copy of Receipt of Smt.G.Suguna
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1172 SBI Personal Loan Application Dated 27.10.1999 of Smt.Armugam Jayanthi. Ex.P.1172(a) Signature of A-1 in Ex.P.1172.
Ex.P.1173 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1174 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1175 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1176 Letter of Undertaking.
Ex.P.1177 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1178 Authorisation Letter Dated 27.10.1999.
Ex.P.1179 Salary Certificate of Smt.A.Jayanthi.
Ex.P.1180 Copy of Receipt of Smt.A.Jayanthi
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1181 SBI Personal Loan Application Dated 27.10.1999 of Sri.N.Munegowda.
Ex.P.1181(a) Signature of A-1 in Ex.P.1181.
Ex.P.1182 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1183 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1184 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1185 Letter of Undertaking.
254 [Spl.C.C.92/2004-J]
Ex.P.1186 Salary Certificate of Sri.N.Munegowda.
Ex.P.1187 Authorisation Letter Dated 27.10.1999.
Ex.P.1188 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1189 SBI Personal Loan Application Dated
20.07.1999 of Sri.Madeva Manjunath. Ex.P.1189(a) Signature of Sri.M.Manjunath in Ex.P.1189.
Ex.P.1190 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.1191 Personal Loan Agreement Dated
31.07.1999
Ex.P.1192 Advances to Personal Banking Sector
Personal Loan Letter Dated 31.07.1999. Ex.P.1193 Letter of Undertaking.
Ex.P.1194 Salary Certificate Dated 25.07.1999 of Sri.M.Manjunath.
Ex.P.1195 Authorisation Letter Dated 31.07.1999. Ex.P.1196 SBI Personal Loan Application Dated 06.07.1999 of Sri.Nagareddy.N. Ex.P.1196(a) Signature of A-1 in Ex.P.1196.
Ex.P.1197 Demand Promissory Note Delivery
Letter Dated 14.09.1999 for
Rs.50,000/-.
Ex.P.1198 Personal Loan Agreement Dated
14.09.1999.
Ex.P.1199 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.09.1999.
Ex.P.1200 Letter of Undertaking.
Ex.P.1201 Salary Certificate of Sri.Nagareddy.N.
Ex.P.1202 Authorisation Letter Dated 14.09.1999.
Ex.P.1203 SBI Personal Loan Application Dated
10.11.1999 of Sri.Dhananj Suresh Kumar.
Ex.P.1203(a) Signature of A-1 in Ex.P.1203.
Ex.P.1204 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1205 Personal Loan Agreement Dated
23.11.1999.
255 [Spl.C.C.92/2004-J]
Ex.P.1206 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1207 Letter of Undertaking.
Ex.P.1208 Salary Certificate of Sri.D.Suresh
Kumar.
Ex.P.1209 Authorisation Letter Dated 23.11.1999.
Ex.P.1210 SBI Personal Loan Application Dated
07.10.1999 of Sri.R.Manikantan.
Ex.P.1210(a) Signature of A-1 in Ex.P.1210.
Ex.P.1211 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.1212 Personal Loan Agreement Dated
08.10.1999.
Ex.P.1213 Advances to Personal Banking Sector
Personal Loan Letter Dated
08.10.1999.
Ex.P.1214 Letter of Undertaking.
Ex.P.1215 Salary Certificate Dated 30.09.1999
of Sri.R.Manikantan.
Ex.P.1216 Authorisation Letter.
Ex.P.1217 SBI Personal Loan Application Dated
01.10.1999 of Sri.Gurunath Mallesh. Ex.P.1217(a) Signature of A-1 in Ex.P.1217.
Ex.P.1218 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1219 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1220 Advances to Personal Banking Sector
Personal Loan Letter Dated 13.10.1999. Ex.P.1221 Salary Certificate of Sri.G.Mallesh. Ex.P.1222 Authorisation Letter Dated 13.10.1999. Ex.P.1223 SBI Personal Loan Application of Dated 01.10.1999 Sri.Raju Eshwar.
Ex.P.1223(a) Signature of A-1 in Ex.P.1223.
Ex.P.1224 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1225 Personal Loan Agreement Dated
13.10.1999.
256 [Spl.C.C.92/2004-J]
Ex.P.1226 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1227 Letter of Undertaking.
Ex.P.1228 Salary Certificate of Sri.R.Eshwar.
Ex.P.1229 Authorisation Letter Dated 13.10.1999.
Ex.P.1230 SBI Personal Loan Application Dated
10.11.1999 of Sri.P.Kumaraswamy.
Ex.P.1230(a) Signature of A-1 in Ex.P.1230.
Ex.P.1231 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1232 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1233 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.11.1999. Ex.P.1234 Letter of Undertaking.
Ex.P.1235 Salary Certificate of Sri.P.Kumaraswamy. Ex.P.1236 Authorisation Letter Dated 23.11.1999. Ex.P.1237 SBI Personal Loan Application Dated 10.11.1999 of Sri.Krishna Achari.
Ex.P.1237(a) Signature of A-1 in Ex.P.1237.
Ex.P.1238 Demand Promissory Note Delivery
Letter Dated 23.10.1999 for
Rs.50,000/-.
Ex.P.1239 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1240 Advances to Personal Banking Sector
Personal Loan Letter Dated 23.11.1999. Ex.P.1241 Salary Certificate of Sri.K.Achari. Ex.P.1242 SBI Personal Loan Application Dated 11.01.2000 of Sri.Adinarayana Shivaprasad.
Ex.P.1242(a) Signature of A-1 in Ex.P.1242.
Ex.P.1243 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.1244 Personal Loan Agreement Dated
14.01.2000.
Ex.P.1245 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.01.2000.
257 [Spl.C.C.92/2004-J]
Ex.P.1246 Salary Certificate of Sri.A.Shivaprasad.
Ex.P.1247 Authorisation Letter.
Ex.P.1248 SBI Personal Loan Application Dated
20.10.1999 of Smt.Palaksha Jyothi. Ex.P.1248(a) Signature of A-1 in Ex.P.1248.
Ex.P.1249 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1250 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1251 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1252 Letter of Undertaking.
Ex.P.1253 Salary Certificate of Smt.P.Jyothi.
Ex.P.1254 Authorisation Letter Dated 27.10.1999.
Ex.P.1255 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1256 SBI Personal Loan Application Dated
21.10.1999 of Sri.Dhananjaya Santosh. Ex.P.1256(a) Signature of A-1 in Ex.P.1256.
Ex.P.1257 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1258 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1259 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1260 Letter of Undertaking.
Ex.P.1261 Salary Certificate of Sri.D.Santosh.
Ex.P.1262 Authorisation Letter Dated 27.10.1999.
Ex.P.1263 SBI Personal Loan Application Dated
23.10.1999 of Smt.Shanmugham
Saraswathi.
Ex.P.1263(a) Signature of A-1 in Ex.P.1263.
Ex.P.1264 Demand Promissory Note Delivery
Letter Dated 16.11.1999 for
Rs.50,000/-.
Ex.P.1265 Personal Loan Agreement Dated
16.11.1999.
Ex.P.1266 Advances to Personal Banking Sector
258 [Spl.C.C.92/2004-J]
Personal Loan Letter Dated
16.11.1999.
Ex.P.1267 Letter of Undertaking Dated 15.10.1999.
Ex.P.1268 Salary Certificate Dated 15.10.1999
of Smt.S.Saraswathi.
Ex.P.1269 Authorisation Letter Dated 16.11.1999.
Ex.P.1270 SBI Personal Loan Application Dated
02.11.1999 of Sri.Rama Reddy
Sathyanarayana Reddy.
Ex.P.1270(a) Signature of A-1 Reddy in Ex.P.1270.
Ex.P.1271 Demand Promissory Note Delivery
Letter Dated 16.11.1999 for
Rs.50,000/-.
Ex.P.1272 Personal Loan Agreement Dated
16.11.1999.
Ex.P.1273 Advances to Personal Banking Sector
Personal Loan Letter Dated
16.11.1999.
Ex.P.1274 Letter of Undertaking Dated
08.11.1999.
Ex.P.1275 Salary Certificate Dated 15.10.1999
of Sri.R.Sathyanarayana Reddy.
Ex.P.1276 Authorisation Letter Dated 16.11.1999.
Ex.P.1277 SBI Personal Loan Application Dated
10.11.1999 of Sri.Krishnappa Shankar. Ex.P.1277(a) Signature of A-1 in Ex.P.1277.
Ex.P.1278 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1279 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1280 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1281 Letter of Undertaking.
Ex.P.1282 Salary Certificate of Sri.K.Shankar.
Ex.P.1283 Authorisation Letter Dated 23.11.1999.
Ex.P.1284 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1285 SBI Personal Loan Application Dated
10.11.1999 of Smt.Preethi Jayaram. Ex.P.1285(a) Signature of A-1 in Ex.P.1285.
259 [Spl.C.C.92/2004-J]
Ex.P.1286 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1287 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1288 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1289 Letter of Undertaking.
Ex.P.1290 Salary Certificate of Smt.Preethi.
Ex.P.1291 Authorisation Letter Dated 23.11.1999.
Ex.P.1292 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1293 SBI Personal Loan Application Dated
01.10.1999 of Smt.K.Renuka.
Ex.P.1293(a) Signature of A-1 in Ex.P.1293.
Ex.P.1294 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1295 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1296 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1297 Letter of Undertaking.
Ex.P.1298 Salary Certificate of Smt.K.Renuka.
Ex.P.1299 Authorisation Letter Dated 13.10.1999.
Ex.P.1300 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1301 SBI Personal Loan Application Dated
01.10.1999 of Sri.Vijayakumar.
Ex.P.1301(a) Signature of A-1 in Ex.P.1301.
Ex.P.1302 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1303 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1304 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1305 Letter of Undertaking.
Ex.P.1306 Salary Certificate of Sri.Vijayakumar.
260 [Spl.C.C.92/2004-J]
Ex.P.1307 Authorisation Letter Dated 13.10.1999.
Ex.P.1308 SBI Personal Loan Application Dated
10.11.1999 of Sri.Rudraiah Sangaiah. Ex.P.1308(a) Signature of A-1 in Ex.P.1308.
Ex.P.1309 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1310 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1311 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1312 Letter of Undertaking.
Ex.P.1313 Salary Certificate of Sri.R.Sangaiah.
Ex.P.1314 Authorisation Letter Dated 23.11.1999.
Ex.P.1315 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1316 SBI Personal Loan Application Dated
10.11.1999 of Sri.Ramachandraiah. Ex.P.1316(a) Signature of A-1 in Ex.P.1316.
Ex.P.1317 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1318 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1319 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1320 Letter of Undertaking.
Ex.P.1321 Salary Certificate of
Sri.Ramachandraiah.
Ex.P.1322 Authorisation Letter Dated 23.11.1999.
Ex.P.1323 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1324 SBI Personal Loan Application Dated
21.10.1999 of Sri.Hassan Narayana, Govindappa.
Ex.P.1324(a) Signature of A-1 in Ex.P.1324.
Ex.P.1325 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
261 [Spl.C.C.92/2004-J]
Ex.P.1326 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1327 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1328 Letter of Undertaking.
Ex.P.1329 Salary Certificate Dated 16.10.1999
of Sri.H.N.Govindappa.
Ex.P.1330 Authorisation Letter Dated 27.10.1999.
Ex.P.1331 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1332 SBI Personal Loan Application Dated
21.10.1999 of Sri.Krishnakanth
Prakash Achari.
Ex.P.1332(a) Signature of A-1 in Ex.P.1332.
Ex.P.1333 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1334 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1335 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1336 Letter of Undertaking.
Ex.P.1337 Salary Certificate of Sri.K.P.Achari.
Ex.P.1338 Authorisation Letter Dated 27.10.1999.
Ex.P.1339 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1340 SBI Personal Loan Application Dated
21.10.1999 of Sri.Begur Lakshman Rao.
Ex.P.1340(a) Signature of A-1 in Ex.P.1340.
Ex.P.1341 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1342 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1343 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1344 Letter of Undertaking.
Ex.P.1345 Salary Certificate of Sri.B.Lakshman Rao.
262 [Spl.C.C.92/2004-J]
Ex.P.1346 Authorisation Letter Dated 27.10.1999.
Ex.P.1347 SBI Personal Loan Application Dated
27.10.1999 of Sri.Lakshman Rao
Ambarish.
Ex.P.1347(a) Signature of A-1 in Ex.P.1347.
Ex.P.1348 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1349 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1350 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1351 Letter of Undertaking.
Ex.P.1352 Salary Certificate of Sri.L.Ambarish.
Ex.P.1353 Authorisation Letter Dated 27.10.1999.
Ex.P.1354 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1355 SBI Personal Loan Application Dated
03.08.1999 of Smt.D.R.Kasturi Bai. Ex.P.1355(a) Signature of A-1 in Ex.P.1355.
Ex.P.1356 Demand Promissory Note Delivery
Letter Dated 18.08.1999 for
Rs.50,000/-.
Ex.P.1357 Personal Loan Agreement Dated
18.08.1999.
Ex.P.1358 Advances to Personal Banking Sector
Personal Loan Letter Dated
18.08.1999.
Ex.P.1359 Letter of Undertaking.
Ex.P.1360 Salary Certificate Dated 30.07.1999
of Smt.D.R.Kasturi Bai.
Ex.P.1361 Authorisation Letter Dated 18.08.1999.
Ex.P.1362 SBI Personal Loan Application Dated
03.08.1999 of Smt.S.Nagamma.
Ex.P.1362(a) Signature of A-1 in Ex.P.1362.
Ex.P.1363 Demand Promissory Note Delivery
Letter Dated 18.08.1999 for
Rs.50,000/-.
Ex.P.1364 Personal Loan Agreement Dated
18.08.1999.
263 [Spl.C.C.92/2004-J]
Ex.P.1365 Advances to Personal Banking Sector
Personal Loan Letter Dated
18.08.1999.
Ex.P.1366 Letter of Undertaking.
Ex.P.1367 Salary Certificate Dated 02.08.1999
of Smt.S.Nagamma.
Ex.P.1368 Authorisation Letter.
Ex.P.1369 Acknowledgement for Debt Dated
29.02.2000 for Rs.43,486=01.
Ex.P.1370 SBI Personal Loan Application Dated
20.07.1999 of Smt.Madhu Shaliniamma. Ex.P.1370(a) Signature of A-1 in Ex.P.1370.
Ex.P.1371 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.1372 Personal Loan Agreement Dated
31.07.1999.
Ex.P.1373 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.1374 Letter of Undertaking.
Ex.P.1375 Salary Certificate Dated 25.07.1999
of Smt.M.Shaliniamma.
Ex.P.1376 Authorisation Letter Dated 31.07.1999.
Ex.P.1377 Acknowledgement for Debt Dated
29.02.2000 for Rs.43,925=57.
Ex.P.1378 SBI Personal Loan Application Dated
20.07.1999 of Smt.Keshava
Gangalakshmi.
Ex.P.1378(a) Signature of A-1 in Ex.P.1378.
Ex.P.1379 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.1380 Personal Loan Agreement Dated
31.07.1999.
Ex.P.1381 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.1382 Letter of Undertaking.
Ex.P.1383 Salary Certificate Dated 25.07.1999
of Smt.K.Gangalakshmi.
Ex.P.1384 Authorisation Letter Dated 31.07.1999.
264 [Spl.C.C.92/2004-J]
Ex.P.1385 Acknowledgement for Debt Dated
29.02.2000 for Rs.43,925=57.
Ex.P.1386 SBI Personal Loan Application Dated
20.07.1999 of Smt.Anniyappa Pushpa. Ex.P.1386(a) Signature of A-1 in Ex.P.1386.
Ex.P.1387 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.1388 Personal Loan Agreement Dated
31.07.1999.
Ex.P.1389 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.1390 Letter of Undertaking.
Ex.P.1391 Salary Certificate Dated 25.07.1999
of Smt.A.Pushpa.
Ex.P.1392 Authorisation Letter Dated 31.07.1999.
Ex.P.1393 Acknowledgement for Debt Dated
29.02.2000 for Rs.43,925=57.
Ex.P.1394 SBI Personal Loan Application Dated
01.10.1999 of Sri.Samuel Premanand. Ex.P.1394(a) Signature of A-1 in Ex.P.1394.
Ex.P.1395 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1396 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1397 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1398 Letter of Undertaking.
Ex.P.1399 Salary Certificate of Sri.S.Premanand.
Ex.P.1400 Authorisation Letter Dated 13.10.1999.
Ex.P.1401 SBI Personal Loan Application Dated
01.10.1999 of Sri.M.Ranganath.
Ex.P.1401(a) Signature of A-1 in Ex.P.1401.
Ex.P.1402 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1403 Personal Loan Agreement Dated
13.10.1999.
265 [Spl.C.C.92/2004-J]
Ex.P.1404 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1405 Letter of Undertaking.
Ex.P.1406 Salary Certificate of Sri.M.Ranganath.
Ex.P.1407 Authorisation Letter Dated 13.10.1999.
Ex.P.1408 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1409 SBI Personal Loan Application Dated
01.10.1999 of Smt.L.Lakshmi.
Ex.P.1409(a) Signature of A-1 in Ex.P.1409.
Ex.P.1410 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1411 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1412 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1413 Letter of Undertaking.
Ex.P.1414 Salary Certificate of Smt.L.Lakshmi.
Ex.P.1415 Authorisation Letter Dated 13.10.1999.
Ex.P.1416 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1417 SBI Personal Loan Application Dated
01.10.1999 of Smt.Asheervadam
Mahima.
Ex.P.1417(a) Signature of A-1 in Ex.P.1417.
Ex.P.1418 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1419 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1420 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1421 Letter of Undertaking.
Ex.P.1422 Salary Certificate of Smt.A.Mahima.
Ex.P.1423 Authorisation Letter.
Ex.P.1424 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
266 [Spl.C.C.92/2004-J]
Ex.P.1425 SBI Personal Loan Application Dated
06.08.1999 of Sri.H.Rajanna.R.
Dayanand.
Ex.P.1425(a) Signature of A-1 in Ex.P.1425.
Ex.P.1426 Demand Promissory Note Delivery
Letter Dated 18.08.1999 for
Rs.50,000/-.
Ex.P.1427 Personal Loan Agreement Dated
18.08.1999.
Ex.P.1428 Advances to Personal Banking Sector
Personal Loan Letter Dated
18.08.1999.
Ex.P.1429 Letter of Undertaking.
Ex.P.1430 Salary Certificate of Sri.H.R.R.Dayanand.
Ex.P.1431 SBI Personal Loan Application Dated
10.07.1999 of Smt.Krishna Rathna.
Ex.P.1431(a) Signature of A-1 in Ex.P.1431.
Ex.P.1432 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.1433 Personal Loan Agreement Dated
31.07.1999.
Ex.P.1434 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.1435 Letter of Undertaking.
Ex.P.1436 Salary Certificate Dated 25.07.1999
of Smt.K.Rathna.
Ex.P.1437 Authorisation Letter Dated 31.07.1999.
Ex.P.1438 SBI Personal Loan Application Dated
19.09.1999 of Smt.A.M.Neelavathi. Ex.P.1438(a) Signature of A-1 in Ex.P.1438.
Ex.P.1439 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.1440 Personal Loan Agreement Dated
24.09.1999.
Ex.P.1441 Advances to Personal Banking Sector
Personal Loan Letter Dated
24.09.1999.
Ex.P.1442 Letter of Undertaking.
Ex.P.1443 Salary Certificate of Smt.A.M.Neelavathi.
267 [Spl.C.C.92/2004-J]
Ex.P.1444 Authorisation Letter Dated 24.09.1999.
Ex.P.1445 SBI Personal Loan Application Dated
31.08.1999 of Sri.K.Sendhamarai.
Ex.P.1445(a) Signature of A-1 in Ex.P.1445.
Ex.P.1446 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.1447 Personal Loan Agreement Dated
24.09.1999.
Ex.P.1448 Advances to Personal Banking Sector
Personal Loan Letter Dated
24.09.1999.
Ex.P.1449 Letter of Undertaking.
Ex.P.1450 Salary Certificate of Sri.K.Sendhamarai.
Ex.P.1451 Authorisation Letter Dated 24.09.1999.
Ex.P.1452 SBI Personal Loan Application Dated
14.01.2000 of Smt.P.R.Rathnamma.
Ex.P.1452(a) Signature of A-1 in Ex.P.1452.
Ex.P.1453 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.1454 Personal Loan Agreement Dated
14.01.2000.
Ex.P.1455 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.01.2000.
Ex.P.1456 Salary Certificate of
Smt.P.R.Rathnamma.
Ex.P.1457 Authorisation Letter.
Ex.P.1458 SBI Personal Loan Application Dated
14.01.2000 of Sri.R.Srinivasan.
Ex.P.1458(a) Signature of A-1 in Ex.P.1458.
Ex.P.1459 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.1460 Personal Loan Agreement Dated
14.01.2000.
Ex.P.1461 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.01.2000.
Ex.P.1462 Salary Certificate of Sri.R.Srinivasan.
Ex.P.1463 Authorisation Letter.
268 [Spl.C.C.92/2004-J]
Ex.P.1464 SBI Personal Loan Application Dated
20.07.1999 of Smt.Sunandamma
Rangaswamy.
Ex.P.1464(a) Signature of A-1 in Ex.P.1464.
Ex.P.1465 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.1466 Personal Loan Agreement Dated
31.07.1999.
Ex.P.1467 Advances to Personal Banking Sector
Personal Loan Letter Dated
31.07.1999.
Ex.P.1468 Letter of Undertaking.
Ex.P.1469 Salary Certificate Dated 28.07.1999
of Smt.Sunandamma.
Ex.P.1470 Authorisation Letter Dated 31.07.1999.
Ex.P.1471 Acknowledgement for Debt Dated
29.02.2000 for Rs.42,250=11.
Ex.P.1472 SBI Personal Loan Application Dated
01.10.1999 of Smt.Ganesh Obalakshmi. Ex.P.1472(a) Signature of A-1 in Ex.P.1472.
Ex.P.1473 Demand Promissory Note Delivery
Letter Dated 08.10.1999 for
Rs.50,000/-.
Ex.P.1474 Personal Loan Agreement Dated
08.10.1999.
Ex.P.1475 Advances to Personal Banking Sector
Personal Loan Letter Dated
08.10.1999.
Ex.P.1476 Letter of Undertaking.
Ex.P.1477 Salary Certificate of Smt.G.Obalakshmi.
Ex.P.1478 Authorisation Letter.
Ex.P.1479 SBI Personal Loan Application Dated
20.07.1999 of Smt.Ganganna Anitha. Ex.P.1479(a) Signature of A-1 in Ex.P.1479.
Ex.P.1480 Demand Promissory Note Delivery
Letter Dated 31.07.1999 for
Rs.50,000/-.
Ex.P.1481 Personal Loan Agreement Dated
31.07.1999.
Ex.P.1482 Advances to Personal Banking Sector
Personal Loan Letter Dated 31.07.1999.
269 [Spl.C.C.92/2004-J] Ex.P.1483 Letter of Undertaking.
Ex.P.1484 Salary Certificate Dated 25.07.1999 of Smt.G.Anitha.
Ex.P.1485 Authorisation Letter Dated 31.07.1999. Ex.P.1486 Acknowledgement for Debt Dated 29.02.2000 for Rs.43,925=57.
Ex.P.1487 SBI Personal Loan Application Dated 09.07.1999 of Smt.Amalanathan Mary.
Ex.P.1487(a) Signature of A-1 in Ex.P.1487.
Ex.P.1488 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.1489 Personal Loan Agreement Dated
23.07.1999.
Ex.P.1490 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.07.1999.
Ex.P.1491 Letter of Undertaking.
Ex.P.1492 Salary Certificate Dated 07.07.1999.
Ex.P.1493 Authorisation Letter Dated 23.07.1999.
Ex.P.1494 SBI Personal Loan Application Dated
08.07.1999 of Smt.Annaiyappa
Udayakumari.
Ex.P.1494(a) Signature of A-1 in Ex.P.1494.
Ex.P.1495 Demand Promissory Note Delivery
Letter Dated 23.07.1999 for
Rs.50,000/-.
Ex.P.1496 Personal Loan Agreement Dated
23.07.1999.
Ex.P.1497 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.07.1999.
Ex.P.1498 Letter of Undertaking.
Ex.P.1499 Salary Certificate Dated 07.07.1999
of Smt.A.Udayakumari.
Ex.P.1500 Authorisation Letter Dated 23.07.1999.
Ex.P.1501 SBI Personal Loan Application Dated
07.09.1999 of Smt.J.Pushpa.
Ex.P.1501(a) Signature of A-1 in Ex.P.1501. Ex.P.1502 Demand Promissory Note Delivery Letter Dated 14.09.1999 for Rs.50,000/-.
270 [Spl.C.C.92/2004-J] Ex.P.1503 Personal Loan Agreement Dated 14.09.1999.
Ex.P.1504 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.09.1999.
Ex.P.1505 Letter of Undertaking Dated 07.09.1999.
Ex.P.1506 Salary Certificate of Smt.J.Pushpa.
Ex.P.1507 Authorisation Letter.
Ex.P.1508 SBI Personal Loan Application Dated
10.11.1999 of Smt.K.Rathnamala.
Ex.P.1508(a) Signature of A-1 in Ex.P.1508.
Ex.P.1509 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1510 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1511 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1512 Letter of Undertaking.
Ex.P.1513 Salary Certificate of Smt.K.Rathnamala.
Ex.P.1514 Authorisation Letter Dated 23.11.1999.
Ex.P.1515 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1516 SBI Personal Loan Application Dated
10.11.1999 of Sri.Lingaiah Shivappa. Ex.P.1516(a) Signature of A-1 in Ex.P.1516.
Ex.P.1517 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1518 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1519 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1520 Letter of Undertaking.
Ex.P.1521 Salary Certificate of Sri.L.Shivappa.
Ex.P.1522 Authorisation Letter Dated 23.11.1999.
Ex.P.1523 Copy of Receipt Dated 26.11.1999 of
Sri.L.Shivappa issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
271 [Spl.C.C.92/2004-J] Ex.P.1524 SBI Personal Loan Application Dated 21.10.1999 of Sri.Marilingaswamy Chowdaiah.
Ex.P.1524(a) Signature of A-1 in Ex.P.1524.
Ex.P.1525 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1526 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1527 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1528 Letter of Undertaking.
Ex.P.1529 Salary Certificate of Sri.M.Chowdaiah.
Ex.P.1530 Authorisation Letter Dated 27.10.1999.
Ex.P.1531 Copy of Receipt of Sri.M.Chowdaiah
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1532 SBI Personal Loan Application Dated 29.10.1999 of Sri.Rangaswamy Sreedharan.
Ex.P.1532(a) Signature of A-1 in Ex.P.1532.
Ex.P.1533 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1534 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1535 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1536 Letter of Undertaking.
Ex.P.1537 Salary Certificate of Sri.R.Sreedharan.
Ex.P.1538 Authorisation Letter Dated 23.11.1999.
Ex.P.1539 Copy of Receipt of Sri.R.Sreedharan
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1540 SBI Personal Loan Application Dated 01.10.1999 of Smt.Susheela.R. Ex.P.1540(a) Signature of A-1 in Ex.P.1540.
Ex.P.1541 Demand Promissory Note Delivery
272 [Spl.C.C.92/2004-J]
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1542 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1543 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1544 Letter of Undertaking.
Ex.P.1545 Salary Certificate of Smt.Susheela.R.
Ex.P.1546 Authorisation Letter Dated 13.10.1999.
Ex.P.1547 Acknowledgement for Debt Dated
29.02.2000 for Rs.46,071=76.
Ex.P.1548 SBI Personal Loan Application Dated
01.10.1999 of Sri.Naveen Maladi.
Ex.P.1548(a) Signature of A-1 in Ex.P.1548.
Ex.P.1549 Demand Promissory Note Delivery
Letter Dated 13.10.1999 for
Rs.50,000/-.
Ex.P.1550 Personal Loan Agreement Dated
13.10.1999.
Ex.P.1551 Advances to Personal Banking Sector
Personal Loan Letter Dated
13.10.1999.
Ex.P.1552 Letter of Undertaking.
Ex.P.1553 Salary Certificate of Sri.N.Maladi.
Ex.P.1554 SBI Personal Loan Application Dated
06.11.1999 of Smt.Sunitha Prakash. Ex.P.1554(a) Signature of A-1 in Ex.P.1554.
Ex.P.1555 Demand Promissory Note Delivery
Letter Dated 16.11.1999 for
Rs.50,000/-.
Ex.P.1556 Personal Loan Agreement Dated
16.11.1999.
Ex.P.1557 Advances to Personal Banking Sector
Personal Loan Letter Dated
16.11.1999.
Ex.P.1558 Letter of Undertaking.
Ex.P.1559 Salary Certificate Dated 05.11.1999
of Smt.P.Sunitha.
Ex.P.1560 Authorisation Letter Dated 16.11.1999.
Ex.P.1561 Copy of Receipt of Smt.P.Sunitha
issued from JJ SC/ST & Backward Co-
273 [Spl.C.C.92/2004-J] operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1562 SBI Personal Loan Application Dated 06.11.1999 of Smt.Sujatha Dutt.
Ex.P.1562(a) Signature of A-1 in Ex.P.1562.
Ex.P.1563 Demand Promissory Note Delivery
Letter Dated 16.11.1999 for
Rs.50,000/-.
Ex.P.1564 Personal Loan Agreement Dated
16.11.1999.
Ex.P.1565 Advances to Personal Banking Sector
Personal Loan Letter Dated
16.11.1999.
Ex.P.1566 Letter of Undertaking.
Ex.P.1567 Salary Certificate Dated 05.11.1999.
Ex.P.1568 Authorisation Letter Dated 16.11.1999.
Ex.P.1569 Copy of Receipt of Smt.Sujatha Dutt
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1570 SBI Personal Loan Application Dated 05.11.1999 of Smt.C.Sumithra.
Ex.P.1570(a) Signature of A-1 in Ex.P.1570.
Ex.P.1571 Demand Promissory Note Delivery
Letter Dated 16.11.1999 for
Rs.50,000/-.
Ex.P.1572 Personal Loan Agreement Dated
16.11.1999.
Ex.P.1573 Advances to Personal Banking Sector
Personal Loan Letter Dated
16.11.1999.
Ex.P.1574 Letter of Undertaking.
Ex.P.1575 Salary Certificate Dated 05.11.1999
of Smt.C.Sumithra.
Ex.P.1576 Authorisation Letter Dated 16.11.1999.
Ex.P.1577 Copy of Receipt of Smt.C.Sumithra
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1578 SBI Personal Loan Application Dated 05.11.1999 of Smt.S.Padmavathi.
Ex.P.1578(a) Signature of A-1 in Ex.P.1578.
274 [Spl.C.C.92/2004-J]
Ex.P.1579 Demand Promissory Note Delivery
Letter Dated 16.11.1999 for
Rs.50,000/-.
Ex.P.1580 Personal Loan Agreement Dated
16.11.1999.
Ex.P.1581 Advances to Personal Banking Sector
Personal Loan Letter Dated
16.11.1999.
Ex.P.1582 Salary Certificate Dated 05.11.1999
of Smt.S.Padmavathi.
Ex.P.1583 SBI Personal Loan Application Dated
02.12.1999 of Sri.V.Murthy.
Ex.P.1583(a) Signature of A-1 in Ex.P.1583.
Ex.P.1584 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.1585 Personal Loan Agreement Dated
14.01.2000.
Ex.P.1586 Advances to Personal Banking Sector
Personal Loan Letter Dated 14.01.2000. Ex.P.1587 Salary Certificate of Sri.V.Murthy. Ex.P.1588 SBI Personal Loan Application Dated 14.01.2000 of Sri.Ranganath.
Ex.P.1588(a) Signature of A-1 in Ex.P.1588.
Ex.P.1589 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.1590 Personal Loan Agreement Dated
14.01.2000.
Ex.P.1591 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.01.2000.
Ex.P.1592 Letter of Undertaking.
Ex.P.1593 Salary Certificate of Sri.Ranganath.
Ex.P.1594 Authorisation Letter Dated 16.11.1999.
Ex.P.1595 Copy of Receipt of Sri.Ranganath
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1596 SBI Personal Loan Application Dated 20.09.1999 of Smt.V.Sunandamma.
Ex.P.1596(a) Signature of A-1 in Ex.P.1596.
275 [Spl.C.C.92/2004-J]
Ex.P.1597 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.1598 Personal Loan Agreement Dated
24.09.1999.
Ex.P.1599 Advances to Personal Banking Sector
Personal Loan Letter Dated
24.09.1999.
Ex.P.1600 Letter of Undertaking.
Ex.P.1601 Salary Certificate Dated 15.09.1999
of Smt.V.Sunandamma.
Ex.P.1602 Authorisation Letter Dated 24.09.1999.
Ex.P.1603 Copy of Receipt Dated 09.10.1999 of
Smt.V.Sunandamma issued from JJ
SC/ST & Backward Co-operative
Society Ltd., Bengaluru for
Rs.50,000/-.
Ex.P.1604 SBI Personal Loan Application Dated
07.12.1999 of Smt.Muddaiah Yamuna. Ex.P.1604(a) Signature of A-1 in Ex.P.1604.
Ex.P.1605 Demand Promissory Note Delivery
Letter Dated 14.01.2000 for
Rs.50,000/-.
Ex.P.1606 Personal Loan Agreement Dated
14.01.2000.
Ex.P.1607 Advances to Personal Banking Sector
Personal Loan Letter Dated
14.01.2000.
Ex.P.1608 Salary Certificate of Smt.M.Yamuna.
Ex.P.1609 Authorisation Letter.
Ex.P.1610 SBI Personal Loan Application Dated
23.08.1999 of Sri.Lakshmi
Narasappa.
Ex.P.1610(a) Signature of A-1 in Ex.P.1610.
Ex.P.1611 Demand Promissory Note Delivery
Letter Dated 01.09.1999 for
Rs.50,000/-.
Ex.P.1612 Personal Loan Agreement Dated
01.09.1999.
Ex.P.1613 Advances to Personal Banking Sector
Personal Loan Letter Dated
01.09.1999.
276 [Spl.C.C.92/2004-J]
Ex.P.1614 Letter of Undertaking.
Ex.P.1615 Salary Certificate Dated 20.08.1999
of Sri.Lakshmi Narasappa.
Ex.P.1616 Authorisation Letter Dated 01.09.1999.
Ex.P.1617 Copy of Receipt Dated 03.09.1999 of
Sri.Lakshmi Narasappa issued from JJ SC/ST & Backward Co-operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1618 SBI Personal Loan Application Dated 20.09.1999 of Sri.V.Raghavendra.
Ex.P.1618(a) Signature of A-1 in Ex.P.1618.
Ex.P.1619 Demand Promissory Note Delivery
Letter Dated 24.09.1999 for
Rs.50,000/-.
Ex.P.1620 Personal Loan Agreement Dated
24.09.1999.
Ex.P.1621 Advances to Personal Banking Sector
Personal Loan Letter Dated
24.09.1999.
Ex.P.1622 Letter of Undertaking.
Ex.P.1623 Salary Certificate Dated 15.09.1999
of Sri.V.Raghavendra.
Ex.P.1624 Authorisation Letter Dated 24.09.1999.
Ex.P.1625 Copy of Receipt of Sri.V.Raghavendra
issued from JJ SC/ST & Backward Co-
operative Society Ltd., Bengaluru for Rs.50,000/-.
Ex.P.1626 SBI Personal Loan Application Dated 21.10.1999 of Smt.K.Satyavathy.
Ex.P.1626(a) Signature of A-1 in Ex.P.1626.
Ex.P.1627 Demand Promissory Note Delivery
Letter Dated 27.10.1999 for
Rs.50,000/-.
Ex.P.1628 Personal Loan Agreement Dated
27.10.1999.
Ex.P.1629 Advances to Personal Banking Sector
Personal Loan Letter Dated
27.10.1999.
Ex.P.1630 Letter of Undertaking.
Ex.P.1631 Salary Certificate of Smt.K.Satyavathy.
Ex.P.1632 Authorisation Letter Dated 27.10.1999.
277 [Spl.C.C.92/2004-J]
Ex.P.1633 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,671=71.
Ex.P.1634 SBI Personal Loan Application Dated
10.11.1999 of Smt.Jacob Mary
Sabitha.
Ex.P.1634(a) Signature of A-1 in Ex.P.1634.
Ex.P.1635 Demand Promissory Note Delivery
Letter Dated 23.11.1999 for
Rs.50,000/-.
Ex.P.1636 Personal Loan Agreement Dated
23.11.1999.
Ex.P.1637 Advances to Personal Banking Sector
Personal Loan Letter Dated
23.11.1999.
Ex.P.1638 Letter of Undertaking.
Ex.P.1639 Salary Certificate of Smt.J.Mary
Sabitha.
Ex.P.1640 Authorisation Letter Dated 23.11.1999.
Ex.P.1641 Acknowledgement for Debt Dated
29.02.2000 for Rs.47,039=62.
Ex.P.1642 File containg Report of P.W.2 Dated
07.09.2001.
Ex.P.1642(a) Signature of P.W.2 in Ex.P.1642. Ex.P.1643 Copy of Circular Dated 06.06.1998 issued from SBI, Head Office to all Branches in Bengaluru Circle of SBI.
Ex.P.1644 Cheque No.997926 Dated 17.07.1999
for Rs.24,50,000/- issued from
Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1645 Cheque No.997930 Dated 24.07.1999
for Rs.4,90,000/- issued from
Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1646 Cheque No.997929 Dated 24.07.1999
for Rs.4,90,000/- issued from
Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1647 Cheque No.997928 Dated 24.07.1999
for Rs.4,90,000/- issued from
Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
278 [Spl.C.C.92/2004-J]
Ex.P.1648 Cheque No.997927 Dated 24.07.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1649 Cheque No.997931 Dated 24.07.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1650 Cheque Dated 1.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1651 Cheque No.997932 Dated 31.07.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1652 Cheque No.997936 Dated 31.07.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1653 Cheque No.997935 Dated 31.07.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1654 Cheque No.997934 Dated 31.07.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1655 Cheque No.997933 Dated 31.07.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1656 Cheque No.997940 Dated 19.8.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1657 Cheque No.997941 Dated 19.8.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1658 Cheque No.997943 Dated 19.8.1999 for Rs.4,90,000/- issued from 279 [Spl.C.C.92/2004-J] Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1659 Cheque No.997944 Dated 19.8.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1660 Cheque Dated 19.8.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1661 Cheque No.997949 Dated 01.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1662 Cheque Dated 1.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1663 Cheque Dated 1.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1664 Cheque No.997950 Dated 1.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-
operative Society for Self.
Ex.P.1665 Cheque Dated 14.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1666 Cheque Dated 14.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1667 Cheque Dated 14.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1668 Cheque Dated 14.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
280 [Spl.C.C.92/2004-J] Ex.P.1669 Cheque Dated 14.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1670 Cheque Dated 25.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1671 Cheque Dated 25.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1672 Cheque Dated 25.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1673 Cheque Dated 25.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1674 Cheque Dated 25.09.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1675 Cheque Dated 8.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1676 Cheque Dated 8.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1677 Cheque Dated 8.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1678 Cheque Dated 8.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1679 Cheque Dated 8.10.1999 for Rs.4,90,000/- issued from Jagajeevan 281 [Spl.C.C.92/2004-J] Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1680 Cheque Dated 14.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1681 Cheque Dated 14.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1682 Cheque Dated 14.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1683 Cheque Dated 14.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1684 Cheque Dated 14.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1685 Cheque Dated 27.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1686 Cheque Dated 27.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1687 Cheque Dated 27.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1688 Cheque Dated 27.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1689 Cheque Dated 27.10.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
282 [Spl.C.C.92/2004-J] Ex.P.1690 Cheque Dated 16.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1691 Cheque Dated 16.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1692 Cheque Dated 16.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1693 Cheque Dated 16.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1694 Cheque Dated 16.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1695 Cheque Dated 24.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1696 Cheque Dated 24.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1697 Cheque Dated 24.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1698 Cheque Dated 24.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1699 Cheque Dated 25.2.00 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1700 Cheque Dated 25.2.00 for Rs.4,90,000/- issued from Jagajeevan 283 [Spl.C.C.92/2004-J] Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1701 Cheque Dated 26.11.1999 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1702 Cheque Dated 14.1.2000 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1703 Cheque Dated 14.1.2000 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1704 Cheque Dated 14.1.2000 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1705 Cheque Dated 14.1.2000 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1706 Cheque Dated 14.1.2000 for Rs.4,90,000/- issued from Jagajeevan Ramnagar SC/ST Co-operative Society for Self.
Ex.P.1707 SB Pay in Slip for Rs.12,31,250/-
Dated 17.07.1999 Ex.P.1708 SB Pay in Slip for Rs.12,31,250/ Dated 17.07.1999 Ex.P.1709 Debit Voucher for Rs.12,45,000/-
Dated 24.07.1999 Ex.P.1710 Debit Voucher Dated 24.07.1999 for Rs.12,45,000/-
Ex.P.1711 SB Pay in Slip Dated 31.07.1999 for Rs.12,31,250/-
Ex.P.1712 SB Pay in Slip Dated 31.07.1999 for Rs.12,31,250/-
Ex.P.1713 SB Pay in Slip Dated 18.8.1999 for Rs.24,62,500/-
Ex.P.1714 Debit Voucher Dated 1.09.1999 for Rs.24,90,000/-
284 [Spl.C.C.92/2004-J] Ex.P.1715 Debit Voucher Dated 14.09.1999 for Rs.12,42,500/-
Ex.P.1716 Debit Voucher Dated 14.09.1999 for Rs.12,42,500/-
Ex.P.1717 SB Pay in Slip Dated 24.09.1999 for Rs.24,60,000/-
Ex.P.1718 SB Pay in Slip Dated 8.10.1999 for Rs.24,10,800/-
Ex.P.1719 SB Pay in Slip Dated 13.10.1999 for Rs.24,60,000/-
Ex.P.1720 Debit Voucher Dated 13.10.1999 for Rs.24,85,000/-
Ex.P.1721 SB Pay in Slip Dated 27.10.1999 for Rs.11,80,800/-
Ex.P.1722 Pay-in-Slip Dated 27.10.1999 for Rs.12,79,200/-
Ex.P.1723 Pay-in-Slip Dated 16.11.1999 for Rs.24,60,000/-
Ex.P.1724 SB Pay in Slip Dated 23.11.1999 for Rs.24,60,000/-
Ex.P.1725 Demand Voucher Dated 24.11.1999 for Rs.4,90,000/-
Ex.P.1726 SB Pay in Slip Dated 22.2.2000 for Rs.24,60,000/-
Ex.P.1727 SB Pay in Slip Dated 28.2.2000 for Rs.3,03,750/-
Ex.P.1728 SB Pay in Slip Dated 28.2.2000 for Rs.4,00,950/-
Ex.P.1729 SB Pay in Slip Dated 28.2.2000 for Rs.5,06,250/-
Ex.P.1730 SB Pay in Slip Dated 14.1.2000 for Rs.24,60,000/-
Ex.P.1731 Debit Voucher Dated 17.07.1999 for Rs.12,50,000/-
Ex.P.1732 Debit Voucher Dated 16.11.1999 for Rs.25,00,000/-
Ex.P.1733 Debit Voucher Dated 31.07.1999 for Rs.12,50,000/-
Ex.P.1734 Debit Voucher Dated 31.07.1999 for Rs.12,50,000/-
Ex.P.1735 Debit Voucher Dated 17.07.1999 for Rs.12,50,000/-
285 [Spl.C.C.92/2004-J] Ex.P.1736 Debit Voucher Dated 14.1.2000 for Rs.25,00,000/-
Ex.P.1737 Debit Voucher Dated 23.11.1999 for Rs.25,00,000/-
Ex.P.1738 Demand Loan Pay in Slip Dated 9.4.01 for Rs.96,250/-
Ex.P.1739 Demand Loan Pay in Slip Dated 3.4.01 for Rs.96,250/-
Ex.P.1740 Demand Loan Pay in Slip Dated 28.3.01 for Rs.96,250/-.
Ex.P.1741 Demand Loan Pay in Slip 27.3.2001 for Rs.4,77,400/-.
Ex.P.1742 Authorisation letter Dated 26.03.2001 of JJR SC/St Credit Co-op Society Limited to SBI.
Ex.P.1743 Demand Loan Pay in Slip Dated 1.3.2001 for Rs.1,84,800/-.
Ex.P.1744 Demand Loan Pay in Slip Dated 23.12.2000 for Rs.1,15,500/-.
Ex.P.1745 Demand Loan Pay in Slip Dated 15.12.2000 for Rs.12,96,484/-.
Ex.P.1746 Demand Loan Pay in Slip Dated 20.5.2000 for Rs.96,250/-.
Ex.P.1747 Demand Loan Pay-in-Slip Dated 21.8.2000 for Rs.3,85,000/-.
Ex.P.1748 Demand Loan Pay in Slip Dated 4.10.2000 for Rs.77,000/-.
Ex.P.1749 Demand Loan Pay in Slip Dated 11.11.2000 for Rs.4,58,150/-.
Ex.P.1750 Authorisation Letter Dated 25.01.2002 issued by JJR SC/ST Co-operative Society to the Manager of SBI.
Ex.P.1751 Authorisation Letter 19.2.00 issued by JJR SC/ST Co-operative Society to the Manager of SBI.
Ex.P.1752 Demand Loan Pay in Slip Dated 25.5.2001 for Rs.1,79,238/-.
Ex.P.1753 Demand Loan Pay in Slip Dated 25.5.2001 for Rs.1,19,575/-.
Ex.P.1754 Demand Loan Pay in Slip Dated 10.5.2001 for Rs.2,00,000/-.
286 [Spl.C.C.92/2004-J] Ex.P.1755 Demand Loan Pay in Slip Dated 3.5.2001 for Rs.2,229=68.
Ex.P.1756 Demand Loan Pay in Slip Dated 7.7.2001 for Rs.7 lakhs.
Ex.P.1757 Demand Loan Pay in Slip Dated 2.5.2001 for Rs.2,361=03.
Ex.P.1758 Demand Loan Pay in Slip Dated 2.5.2001 for Rs.2,342=04.
Ex.P.1759 Demand Loan Pay in Slip Dated 2.5.2001 for Rs.29,711=35.
Ex.P.1760 Demand Loan Pay in Slip Dated 4.5.2001 for Rs.11,267=50.
Ex.P.1761 Demand Loan Dated 3.5.2001 for Rs.26,395=11.
Ex.P.1762 Demand Loan Pay-in-Slip Dated 03.05.2001 for Rs.2,439=64.
Ex.P.1763 Demand Loan Pay-in-Slip Dated 3.5.2001 for Rs.22,332=90.
Ex.P.1764 Demand Loan Pay in Slip Dated 3.5.2001 for Rs.22,671=50.
Ex.P.1765 Demand Loan Pay in Dated 3.5.2001 for Rs.2,570=68.
Ex.P.1766 Demand Loan Pay-in-Slip Dated 03.05.2001 for Rs.27,325=92.
Ex.P.1767 Demand Loan Pay-in-Slip Dated 03.05.2001 for Rs.27,999=58.
Ex.P.1768 Demand Loan Pay-in-Slip Dated 3.5.2001 for Rs.2,136=96.
Ex.P.1769 Demand Loan Pay-in-Slip Dated 03.05.2001 for Rs.28,575=41.
Ex.P.1770 Demand Loan Pay in Slip Dated 30.04.2001 for Rs.4,94,725/-.
Ex.P.1771 Demand Loan Pay in Slip Dated 2.5.2001 for Rs.45,500/-
Ex.P.1772 Demand Loan Pay in Slip 02.05.2001 for Rs.44,957=19.
Ex.P.1773 Demand Loan Pay-in-Slip Dated 30.04.2001 for Rs.2,169=50.
Ex.P.1774 Letter Dated 06.12.2003 from SBI to CBI about non availability of SB A/c Opening Form and Specimen Signature.
287 [Spl.C.C.92/2004-J] Ex.P.1775 Cheque Book Issued Register for the period from 03.04.1997 to 08.06.2000.
Ex.P.1776 Statement of Accounts of J.J.R. Nagar SC/ST Credit Co-op Society of State Bank of India for the period from 15.07.1999 to 05.01.2004 pertaining to SB A/c No.011000/014615.
Ex.P.1777 True Copy of List containing Copy of 208 Loan Borrowers' Account.
Ex.P.1778 Letter Dated 10.02.2002 from SBI to CBI contaning Details of Vouchers for the period from 17.07.1999 to 25.01.2002 Ex.P.1779 True Copy of Register of the Registered Co-operative Society.
Ex.P.1780 Letter Dated 19.03.2004 from BEO to CBI, Bengaluru alongwith Inspector Report and Manager reply.
Ex.P.1781 True Copy of Letter Dated 18.08.1999 from SBI, Zonal Office to SBI, Branch Manager, Kumara Park Branch, Bengaluru regarding irregularities at Branch.
Ex.P.1782 True Copy of Letter Dated 30.10.1999 from Assistant General Manager, SBI, Zonal Office to SBI, Chief Manager, SBI, Kumara Park Branch, Bengaluru. regarding Branch irregularities in respect of 150 Clean Demand Loans Sanctioned.
Ex.P.1783 True Copy of Letter Dated 24.11.1999 from Assistnat General Manager, Region-I to SBI, Chief Manager, Kumara Park Branch, Bengaluru seeking clarification on Control Returned submitted by the Branch.
Ex.P.1784 True Copy of 2 reminder Letters Dated 28.12.1999 and 25.01.20000 from Assistant General Manager, Region-I to Branch Manager, SBI, Kumara Park reminding Branch.
288 [Spl.C.C.92/2004-J] Ex.P.1785 FIR Dated 18.03.2002.
Ex.P.1786 Original Memorandum of Understanding Dated 25.06.1999 between SBI, KPB and J.J. Nagar SC/ST Co-operative Society.
Ex.P.1787 Copy of Notification for Extension of Powers Dated 02.07.2002 issued from Government of India, Ministry of Personal.
Ex.P.1788 Letter Dated 22.06.1999 from JJ Nagar SC/ST Co-operative Society to the Manager, SBI, KPB alongwith Copy of List of Borrowers.
Ex.P.1789 Admitted signatures of the Accused-
3(A-18 to A-30) in EMI submitted to Bank by J.J. Nagar SC/ST Co-
operative Society Dated 26.03.2001. Ex.P.1790 Specimen signature card of the Accused-4 pertaining to the Shyam Rao Co-operative Bank Limited.
Ex.P.1791 Specimen Signatures of A-1 in 5 Sheets.
Ex.P.1792 Specimen Signatures of A-3 of in 10 Sheets.
Ex.P.1793 Specimen Signatures of A-4 in 6 Sheets.
Ex.P.1794 Letter Dated 29.11.2003 from
M/s.Bapuji Institutions, Teachers'
Association Institution to
Superintendent of Police, CBI, ACB, Bengaluru regardng Service Details of A-3 alongwith documents.
Ex.P.1795 Circulars and Guidelines and Delegation of Powers of the Board of the Management of SBI.
Ex.P.1796 True Copy of Resolution Dated 25.06.1999 of J.J. Nagar SC/ST Co-
operative Society.
Ex.P.1797 Copy of By-Laws of J.J. Nagar SC/ST Co-operative Society.
Ex.P.1798 Letter Dated 16.05.2002 from SBI to the Deputy Superintendent of Police, 289 [Spl.C.C.92/2004-J] CBI, ACB, Bengaluru alongwith List of Borrowers.
Ex.P.1799 Copy of Internal Investigation Report on Advances from the Chief Manager, SBI, Zonal Office, Region-I to the Assistant General Manager, SBI, Zonal Office, Region-I regarding Account Extract of Borrowers.
Ex.P.1800 Letter Dated 06.02.2004 from CBI to GEQD alongwith List of Questioned Documents .
Ex.P.1801 Salary Certificate Dated 03.07.1999 of Smt.G.Gowramma.
Ex.P.1802 GEQD Opinion Dated 31.03.2004. Ex.P.1802(a) Signature of P.W.25 in Ex.P.1802.
Ex.P.1802(b) Reasons of GEQD. Ex.P.1802(c) Signature of P.W.25 in Ex.P.1802(b).
4. LIST OF DOCUMENTS EXHIBITED ON BEHALF OF THE ACCUSED:
Ex.D.1 Xerox copy of Letter Dated 16.8.01 from SBI to J.J.N/SC/ST & OBC Co-operative Society.
Ex.D.2 7 Photos.
Ex.D.3 Loan Application along with documents of
Sri.Ayaz Pasha.
Ex.D.4 Membership Application along with Loan
Application and loan document of
Sri.Imtiyaz Pasha.
Ex.D.5 Portion of Statement u/s.161 of the Cr.P.C.,
of Sri.Robert Williams.
Ex.D.6 Membership Application of Smt.V.Sunandamma
of J.J.Nagar SC/ST Credit Co-operative Society.
Ex.D.7 Xerox Copies of Letter Dated 30.3.2002/1.4.2002 from Bharath SC/ST & OBC Credit Co-operative Society Ltd., to the Manager, SBI, Kumara Park Branch, Bengaluru and Annexure-'A', 'D' & 'E'.
290 [Spl.C.C.92/2004-J] Ex.D.8 Letter from SBI to the Accused-1 regarding Photo Copies of Controlled Forms along with Control Forms.
Ex.D.9 Copies of Visit Book of SBI Dated 18.2.1999, 27.07.1999 and 28.1.2000.
Ex.D.10 Review of Performance Report-November 1999 submitted by the Assistant General Manager, Region-I. Ex.D.11 Letter Dated 15.4.15 from SBI to Sri.Shankarappa.R. regarding furnishing of Certified Copies of entire reports of Field Officers at the time of sanction of Loans during 1990 to 2000.
Ex.D.12 Letter from SBI to the Accused-1 regarding information sought for OS numbers and the name of the Court, Copies of Plaints by the Bank and Copies of Statements by the Borrowers.
Ex.D.13 Letter Dated 28.6.1999 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.14 Letter Dated 14.6.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.15 Letter Dated 14.6.2001 from SBI to Smt.Selvamani.M. Ex.D.16 Letter Dated 25.6.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.17 Letter Dated 02.07.2001 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.18 Letter Dated 8.8.2001 from Bharath SC/ST and other BCC Society to the Joint Registrar of Co-operative Societies.
Ex.D.19 Letter Dated 17.8.2001 from Bharath SC/ST and other BCC Society to the Joint Registrar of Co-operative Societies.
Ex.D.20 Letter Dated 29.8.2001 from Bharath SC/ST and other BCC Society to the Joint Registrar of Co-operative Societies.
Ex.D.21 Letter Dated 13.9.2001 from Bharath SC/ST and other BCC Society to the Joint Registrar of Co-operative Societies.
Ex.D.22 Letter Dated 03.10.2001 from Bharath SC/ST and other BCC Society to the Joint 291 [Spl.C.C.92/2004-J] Registrar of Co-operative Societies. Ex.D.23 Letter Dated 01.12.2001 from Bharath SC/ST and other BCC Society to the Additional Registrar of Co-operative Societies.
Ex.D.24 Letter Dated 19.12.2001 from Bharath SC/ST and other BCC Society to the Additional Registrar of Co-operative Societies.
Ex.D.25 Letter Dated 9.8.2001 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.26 Letter Dated 13.8.2001 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.27 Letter Dated 16.8.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.28 Letter Dated 24.8.2001 from Bharath SC/ST and other BCC Society to SBI..
Ex.D.29 Letter Dated 3.9.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.30 Letter Dated 4.9.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.31 Letter Dated 6.9.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.32 Letter Dated 10.9.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.33 Letter Dated 12.9.2001 from Bharath SC/ST and other BCC Society to SBI.
Ex.D.34 Letter Dated 18.9.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.35 Letter Dated 20.9.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.36 Letter Dated 30.10.2001 from SBI to JJ Nagar SC/ST and other BCC Society.
Ex.D.37 Letter Dated 10.12.2001 from Bharath SC/ST and other BCC Society to SBI.
Ex.D.38 Letter Dated 24.12.2001 from Bharath SC/ST and other BCC Society to Sri.Jerome.D.Souza.
Ex.D.39 Letter Dated 24.11.2001 from Bharath SC/ST and other BCC Society to the Director, Education Department.
292 [Spl.C.C.92/2004-J] Ex.D.40 Letter Dated 19.12.2001 from Bharath SC/ST and other BCC Society to the Assistant Director, Office of Societies' Director.
Ex.D.41 Letter Dated 15.09.1999 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.42 Letter Dated 22.10.1999 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.43 Letter Dated 23.11.1999 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.44 Letter Dated 22.12.1999 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.45 Letter Dated 22.01.2000 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.46 Letter Dated 19.02.2000 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.47 Letter Dated 19.02.2000 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.48 Letter Dated 23.03.2002 Ref. Dated.
06.07.2001 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.49 Letter Dated 26.02.2002 from JJ Nagar SC/ST and other BCC Society to SBI.
Ex.D.50 SBI Challan Dated Nil for Rs.7 Lakhs. Ex.D.51 SBI Challan Dated 23.12.2000 for Rs.1.20 Lakhs.
Ex.D.52 SBI Challan Dated 27.06.2001 for Rs.45,000/-.
Ex.D.53 SBI Challan Dated 26.03.2001 for Rs.5 Lakhs.
Ex.D.54 SBI Challan Dated 9.11.2000 for Rs.5.20 Lakhs.
Ex.D.55 SBI Challan Dated 6.12.2000 for Rs.1.50 Lakhs.
Ex.D.56 SBI Challan Dated 03.08.2000 for Rs.1.00 Lakh.
Ex.D.57 SBI Challan Dated 8.6.2000 for Rs.1.00 Lakh.
Ex.D.57-A SBI Challan Dated 29.5.2000 for Rs.1.00 Lakh.
Ex.D.58 SBI Challan Dated 11.7.2000 for Rs.1.00 Lakh.
293 [Spl.C.C.92/2004-J] Ex.D.59 SBI Challan Dated 28.3.2001 for Rs.1.00 Lakh.
Ex.D.60 SBI Challan Dated 25.9.2000 for Rs.1.00 Lakh.
Ex.D.61 SBI Challan Dated 30.4.2001 for Rs.5.00 Lakhs.
Ex.D.62 SBI Challan Dated 20.6.2001 for Rs.49,510/-.
Ex.D.63 SBI Challan Dated 27.6.2001 for Rs.40,000/-.
Ex.D.64 SBI Challan Dated 6.8.2001 for Rs.25,000/-. Ex.D.65 SBI Challan Dated 13.2.2002 for Rs.30,000/-.
Ex.D.66 SBI Challan Dated 19.7.2001 for Rs.1,000/-
.
Ex.D.67 SBI Challan Dated 19.7.2001 for Rs.1,800/-
.
Ex.D.68 SBI Challan Dated 18.1.2002 for Rs.51,000/-.
Ex.D.69 SBI Challan Dated 22.5.2001 for Rs.3 Lakhs.
Ex.D.70 SBI Challan Dated 10.5.2001 for Rs.2 Lakhs.
Ex.D.71 SBI Challan Dated 31.3.2001 for Rs.80,000/-.
Ex.D.72 SBI Challan Dated 14.7.2001 for Rs.4,000/-
.
Ex.D.73 SBI Challan Dated 27.2.2002 for Rs.47,000/-.
Ex.D.74 SBI Challan Dated 14/15.3.2002 for Rs.30,000/-.
Ex.D.75 SBI Challan Dated 19/20.3.2002 for Rs.30,000/-.
Ex.D.76 SBI Challan Dated 14.2.2002 for Rs.37,200/-. Ex.D.77 SBI Challan Dated 25.1.2002 for Rs.11,200/- Ex.D.78 Certified Copy of Award passed in JRB/DIS/3045/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.Ijaj Ahmed & another.
Ex.D.79 Certified Copy of Award passed in JRB/DIS/3048/2001-02 against Secretary, 294 [Spl.C.C.92/2004-J] Bharath SC/ST & other BCC Society Vs. Smt.N.Prabhavathi & another.
Ex.D.80 Certified Copy of Award passed in JRB/DIS/3054/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.S.M.Honnappa & another.
Ex.D.81 Certified Copy of Award passed in JRB/DIS/3059/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Smt.Akthar Unnisa & another.
Ex.D.82 Certified Copy of Award passed in JRB/DIS/3052/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.Y.Gopi & another.
Ex.D.83 Certified Copy of Award passed in JRB/DIS/3062/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.M.Ankaiah & another.
Ex.D.84 Certified Copy of Award passed in JRB/DIS/3040/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.M.D.Inayatulla & another.
Ex.D.85 Certified Copy of Award passed in JRB/DIS/3046/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.Srinivasappa & another.
Ex.D.86 Certified Copy of Award passed in JRB/DIS/2058/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.Syed Majuriddin Sa & another.
Ex.D.87 Certified Copy of Award passed in JRB/DIS/3057/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Smt.J.Rajeshwari & another.
Ex.D.88 Certified Copy of Award passed in JRB/DIS/3065/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.Syed Abdul Basheed & another.
Ex.D.89 Certified Copy of Award passed in JRB/DIS/3055/2001-02 against Secretary, Bharath SC/ST & other BCC Society Vs. Sri.H.M.Neelakantaiah & another.
295 [Spl.C.C.92/2004-J] Ex.D.90 Minutes of Meeting.
Ex.D.91 Minutes of Meeting.
Ex.D.92 Reconciliation File.
Ex.D.93 Control Forms.
5. LIST OF MATERIAL OBJECTS MARKED ON BEHALF OF THE COMPLAINANT:
-NIL-
(ASWATHA NARAYANA) XLVII Addl. City Civil & Sessions Judge & Special Judge for CBI Cases, Bengaluru.
296 [Spl.C.C.92/2004-J] 297 [Spl.C.C.92/2004-J]