B N Basavanand vs Ranjana N on 6 July, 2026

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    Bangalore District Court

    B N Basavanand vs Ranjana N on 6 July, 2026

                                   1
                                                        CC.No.7353/2023
    
    
    
    
    KABC030122052023
    
    
    
    
                         Presented on : 21-03-2023
                         Registered on : 21-03-2023
                         Decided on    : 06-07-2026
                         Duration      : 3 years, 3 months, 16 days
    
     IN THE COURT OF THE XXII ADDL.CHIEF JUDICIAL
                   MAGISTRATE, BENGALURU
                         -: PRESENT :-
                    M.VIJAY., B.A.L, LLB.
                XXII ADDL.C.J.M., BENGALURU.
    
         DATED THIS THE 6TH DAY OF JULY, 2026.
                       C.C.No.7353/2023
    
    COMPLAINANT            : Sri. B.N. Basavanand,
                               S/o. B. Nataraj,
                               Aged about 33 years,
                               Residing at : 274/12,
                               9th Main, 44th Cross,
                               Jayanagar 5th Block,
                               Bengaluru - 560 041.
                               (By Sri. Manjunatha.G., Adv)
    
                                         .Vs.
    
    ACCUSED                : Smt. Ranjana.N,
                               D/o. Narayana R
                               Aged about 37 years,
                               Residing at : 20/41,
                                      2
                                                       C.C.No.7353/2023
    
    
    
    
                                2nd Cross, K.V. Layout,
                                Byrasadra,
                                Bengaluru - 560 011.
                                (By Sri. Chandan, Adv.)
    
                              ******
                           JUDGMENT
    

    The complainant has filed this private complaint

    U/s.200 of Cr.P.C., against the accused for the offence

    SPONSORED

    punishable U/s 138 of Negotiable Instrument Act.

    2. The brief facts of the case are as follows:-

    The complainant claims to be a business man has

    averred that, accused is his elder brother’s tutionmate

    and also the property of accused and the complainant are

    situated in the same locality, accordingly, he claims that,

    the accused is well known to him past 10 years. On this

    acquittance, the accused was working in software

    financial company had requested him for a financial

    assistance of Rs.5,70,000/- to perform her younger

    sister’s marriage, considering her request and
    3
    C.C.No.7353/2023

    acquaintance with each other he claims to have lent sum

    of Rs. 5,70,000/- to her in cash, on it receipt the accused

    assured him to repay it within short time but finally she

    allegedly issued 9 cheques ie., cheque bearing No.

    245473, dt: 19.01.2023 for sum of Rs.2,50,000/-,

    cheque bearing No. 245470, 245471, 245472, 000001,

    000002, 000003, 000004, 000005, for sum of

    Rs.40,000/- each dt:19.01.2023 drawn on Standard

    Chartered Bank, Koramangala with an assurance that,

    the cheques would be honored on their presentation.

    3. Believing the accused the complainant claims to

    have presented all the aforesaid nine cheques through his

    banker ie., Overseas Bank, Jayanagar, for encashment,

    but all the cheques came to be dishonored for “Funds

    Insufficient”, the accused neglected to repay despite the

    dishonor of all the cheques were brought into the notice

    to her, accordingly, he constrained to issue demand notice
    4
    C.C.No.7353/2023

    on 04.02.2023, the same was served to the accused, but

    the accused neither repaid nor replied to his notice, hence

    this complaint alleging the commission of o/p/u/s 138 of

    N.I.Act.

    4. As per the guidelines of Hon’ble Apex Court

    issued in Indian Bank Association & others., Vs. Union of

    India., case, court took cognizance of an o/p/u/s.138 of

    N.I.Act, based on the complaint, the sworn statement

    affidavit, the documents placed by the complainant along

    with the complaint and ordered to be registered criminal

    case against the accused for the o/p/u/s.138 of N.I.Act.

    5. In pursuance of summons, the accused

    appeared through her counsel and she was enlarged on

    court bail. Substance of accusation read over to her , she

    pleaded not guilty and claimed to be tried. The

    complainant in order to prove his case, got examined

    himself as PW.1 and got marked documents at Ex.P.1 to
    5
    C.C.No.7353/2023

    P.26, the accused was examined U/s.313 of Cr.P.C, she

    denied the incriminating materials on record, however

    she does not chosen to adduce her defence evidence but

    got marked Ex.D.1 to D.10 documents by confronting to

    PW.1.

    6. Heard the arguments on both the sides. Learned

    counsel for complainant filed his written arguments and

    also relied upon the decisions reported in (2010) 11 SCC

    441, (2009) 2 SCC 513, (2020) 12 SCC 724, (2019) 18

    SCC 106, AIR 1953 SC 225 & (2003) 2 SCC 15, AIR 1961

    SC 1236, Judgment of Hon’ble Supreme Court in Crl.

    Appeal No. 11309/2025. On the other hand learned

    counsel for the accused relied upon Dasharathbhai

    Trikambhai Patel vs Hiesh Mahendrabhai Patel and Ors.

    In Crl. Appeal No.1497/2022.

    7. Perused the materials available on record. The

    following point arises for my determination :
    6

    C.C.No.7353/2023

    “Whether the complainant has proved that
    the accused has committed the offence
    punishable under Sec.138 of Negotiable
    Instruments Act?”

    8. On that basis my finding on the above point is in

    the “Affirmative” for the following;

    REASONS

    9. The accused denied alleged borrowal of loan of

    Rs.5,70,000/- from the complainant and issuance of as

    many as 9 cheques for total amount of Rs.5,70,000/-,

    towards discharge of the said alleged loan, and contended

    that, she had borrowed sum of Rs.2 lakh from brother of

    the complainant who is her friend namely Basavarajendra

    (who is no more) she had issued all these nine cheques

    Ex.P.1 to P.9 to said Rajendra as security for the said

    loan, same was repaid as per Ex.D.1 to D.8 through

    google pay after the death of said Basavarajendra the

    complainant who is his younger brother has misused her
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    C.C.No.7353/2023

    cheques held by said deceased Basavarajenddra and filed

    this false case accordingly she claims to be an innocent.

    10. So, considering the rival contentions it is clearly

    transpires that, the accused does not disputing the

    Ex.P.1 to P.9 as well as signatures found thereon is that of

    her and also, the compliance of Sec.138(a) to (c), however,

    she denied the very existence of the claimed debt ie.

    borrowal of Rs.5,70,000/- from the complainant

    therefore, it is burden on the complainant to prove the

    existence of claimed debt.

    11. The complainant in order to establish his claim

    got himself examined as PW.1 and reiterated his

    complaint averments in his examination in chief and

    placed reliance on the aforesaid Ex.P.1 to P.9 cheques as

    well as bank endorsement, legal notice, statement of bank

    account whats app chats held in between him and the
    8
    C.C.No.7353/2023

    accused, he has been subjected for cross-examination by

    the accused, wherein she focused and questioned the

    complainant about particulars of loan ie., when and where

    the claimed loan was lent, when and why 09 cheques

    were received for only Rs.5,70,000/- and confronted

    Ex.D.1 to D.10 by suggesting that, she had paid sum of

    Rs.20,000 on 15.09.2019, Rs. 25,000/- each on

    03.09.2018, 11.09.2019, 17.10.2019, 03.10.2019,

    20.01.2020, 27.01.2020, 28.07.2020, 23.03.2022 and

    Rs.15,000/- on 28.03.2022 and suggested that, those

    payment were made to this complaint towards loan

    borrowed from elder brother of this complainant during

    his life time and cheques in question were collected by

    said deceased Basavarajendra for only Rs. 2,30,000/-, but

    after the said Basavarajendra’s death the complainant

    who is his younger brother has misused her cheques and

    filed this false case against her.

    9

    C.C.No.7353/2023

    12. The complainant vehemently denied all the

    suggestions made by the accused. So,the very contention

    of the accused unequivocally stands proved that, as held

    supra all the cheques ie., Ex.P.1 to P.9 and signatures

    found thereon belongs to accused, as such, though she

    denied the loan transaction of Rs.5,70,000/- but in view

    of her admission it is mandatory upon the court to draw

    presumption infavour of the complainant that, accused

    has drawn all the cheques ie., Ex.P.1 to 9 for total sum of

    Rs.5,70,000/- as ruled by Hon’ble Apex Court in

    Rangappa Vs. Mohan., wherein, the Apex Court has

    held that;

    ” Once the cheque relates to the account of the
    accused and he accept and admit the signature
    on the said cheque, then initial presumption as
    contemplated under Sec.139 of N.I.Act has to be
    raised by the court in favour of the complainant.
    The presumption referred to in Sec.139 of N.I.Act
    is a mandatory presumption and not a general
    10
    C.C.No.7353/2023

    presumption, but the accused is entitled to rebut
    the said presumption.”

    13. Accordingly, initial presumption has been

    drawn in favour of the complainant that, the accused has

    drawn ExP.1 to P.9 cheques towards discharge of legally

    enforceable debt and for consideration. However, the said

    presumption is a rebuttable one. As such, the onus is on

    the accused to rebut the same.

    14. The accused in order to rebut the presumption

    not stepped into the witness box however, the counsel for

    the accused vehemently argued that, the complaint does

    not contain the details of the advancement of alleged loan.

    However, the complainant claims that, the loan was lent

    in the year 2018. However, on 19.01.2023 Ex.P.1 to P.9

    cheques were received for encashment ie., more than 3

    years from the date of advancement of loan, accordingly it

    is time barred, that apart the accused challenged the
    11
    C.C.No.7353/2023

    financial capacity of the complainant but he failed to

    produce his I.T.R, further accused confronted Ex.D.1 to

    D.10 ie., amount repaid by her towards the loan

    borrowed from deceased Basavarajendra and the Ex.P.23

    ie., whats app chats not discloses that, accused agreed

    the claimed liability of Rs.5,70,000/-, in addition to that,

    complainant suppressed the receipt of Rs.2,35,000/-,

    accordingly, as per Sec. 56 of N.I.Act, the claimed amount

    is not legally enforceable one, therefore by relying upon

    the decision between Dashrathbhai Trikambhai Patel Vs.

    Hitesh Mahendrabhai Patel & others, prayed to acquit the

    accused.

    15. On the other hand, the counsel for the

    complainant argued that, the accused failed to produce

    any document to show that, she had a financial

    transaction with deceased Basavarajendra and also, the

    said Basavarajendra held her 09 cheques during his life
    12
    C.C.No.7353/2023

    time, in addition to that, as per Ex.D.1 to D.10 the

    accused paid total sum of Rs. 2,35,000/- through account

    right from 16.04.2021 towards an interest of two

    different loans ie., the claimed debt as well as in the

    connected case CC. No.7355/2023 filed by mother of the

    complainant , therefore, the question of time barred debt

    is not tenable under law, further, in Ex.P.23 page No.1

    ie., on 26.12.2022 the accused sought six months time to

    clear her liability despite that, in order to escape from

    this liability, accused denied the claimed transaction, as

    such in view of presumption U/s. 118 and 139 of N.I.act

    the complainant urges to convict the accused.

    16. Considering the rival contentions, I have

    carefully perused the materials on record, it clearly

    transpires that, the accused specifically denied the

    borrowal of Rs.5,70,000/- from the complainant. However,

    she confronted Ex.D.1 to D.10 ie., Statement of her bank
    13
    C.C.No.7353/2023

    accounts which clearly manifests that, on 15.06.2019

    sum of Rs.1,000/- , Rs.19,000/- on 03.9.2019 Rs.

    25000/- on 11.9.20109 Rs. 25,000/-, on 17.10.2019 Rs.

    25,000/- on 30.10.2019, Rs. 25,000/- on 20.01.2020 Rs.

    25,000/- , on 27.01.2020 Rs. 25,000/- on 28.07.2020 Rs.

    25,000/- on 23.02.2020 Rs. 25,000/- oin 28.03.2023 Rs.

    15,000/-0 in totally she claims to have paid

    Rs.2,35,000/- to the account of complainant herein.

    Interestingly, despite these payments made by the

    accused through account to the complainant she

    contended that, it was paid towards the loan borrowed

    from complainant’s elder brother ie., deceased

    Basasvarajendra for the loan of Rs.2,00,000/- with an

    interest, but as rightly pointed out by the complainant

    the accused failed to produce any receipt or document to

    show that, during life time of said Basavarajendra she had

    financial transaction with him and issued Ex.P.1 to P.9

    cheques as security only for Rs.2 lakh.

    14

    C.C.No.7353/2023

    17. Further it is significant to note that, the accused

    is having worldly knowledge and she is involved in

    business ie., running petrol bunk and owning commercial

    complex how could she issued 09 cheques for only Rs. 2

    lakh if at all she borrowed from the said Basavarajendra

    therefore, her defence that, she had issued Ex.P.1 to P.9

    towards security for only Rs.2 lakh from deceased

    Basavarajendra cannot be acceptable. Further, the

    defence of the accused does not inspires the confidence of

    this court because she has not taken any steps to take

    back the cheques from the family of the deceased

    Basavarajendra even after she came to know the death of

    said Basavarajendra.

    18. Further, so far as Ex.D.1 to D.10 is concerned ,

    the accused though she denied the alleged borrowal of Rs.

    5,70,000/- from the complainant but why she paid sum

    of Rs.2,35,000/- from 16.04.2021 to 03.01.2022 to the
    15
    C.C.No.7353/2023

    account of complainant herein is not explained properly,

    but the accused suggested during the course of cross

    examination of PW.1 that she paid sum of

    Rs.2,35,000/- because of the complainant has forced and

    harassed her for to pay sum of Rs.2 lakh loan borrowed

    from deceased Basavarajedra, but as held supra she does

    not stepped into the witness box and it is not always

    required to prove the defence but to prove her suggestion

    atleast probable evidence must have been brought out on

    record ie., what steps she has taken against this

    complainant, when he forced her to pay the loan borrowed

    from the said Basavarajedra.

    19. Even the said defence of the accused is

    inconsistent or contrary to her own defence that, she

    claims to have repaid sum of Rs.2Lakh during the life

    time of said deceased Basavarajendra, when such being

    the case, her defence is inconsistent to each other,
    16
    C.C.No.7353/2023

    accordingly, it cannot be acceptable, when the

    complainant specifically stated he received Rs.2,35,000/-

    from the accused through account as per Ex.D.1 to D.10

    towards two different loans borrowed by the accused from

    him as well as from his mother who is admittedly

    complainant in connected case CC.No.7355/2023.

    20. Further, the accused counsel argued that, the

    complainant failed to produce I.T.R despite he claims to

    be income tax assessee as such, the claim of the

    complainant cannot be acceptable so far as transaction is

    concerned, as the accused specifically challenged his

    financial capacity, in view of failure to produce his I.T.R.

    the existence of claimed debt cannot be believable

    accordingly, prays to acquit the accused, but on careful

    perusal of entire cross examination of PW.1, the accused

    never disputed or challenged the financial capacity of
    17
    C.C.No.7353/2023

    PW.1, as such when there is no challenge to that effect,

    question of financial incapability does not arise.

    21. So far as time barred debt is concerned, the

    counsel for the accused vehemently argued that, even if

    the case of the complainant is taken into consideration,

    as per the complainant he advanced sum of

    Rs.5,70,000/- in cash in the year 2018, the cheques in

    question were presented for encashment on 19.01.2023,

    therefore, claimed debt is time barred as the cheques

    were issued after lapse of three years from the date of

    borrowal of the loan. On the contrary, the counsel for the

    complainant by relying upon Ex.P.23 ie., whats app chats

    held in between the parties, particularly, the chats

    dt:26.08.2022 ie, the accused by admitting her liability

    sought six months time to pay the claimed amount

    which is nothing but an acknowledgment of debt as such

    the claimed debt is not a time barred one, in addition to
    18
    C.C.No.7353/2023

    that, as per Ex.D.1 to D.10 the accused paid interest to

    his account periodically right from 16.04.2021 to

    03.01.2023 as such, from the date of last payment ie.,

    03.01.2022 the limitation is 3 years from the date of

    03.01.2022 since it is re-occurrence of cause of action ,

    accordingly, he claims that, it is not time barred debt.

    22. On this rival claim I have meticulously examined

    Ex.D.1 to D.10 , Ex.P.23 and materials on record. First of

    all, the accused though admitted the receipt of legal notice

    not set up her defence in her reply. So she failed to give

    reply, further, though she claimed she had borrowed Rs.2

    lakhs from deceased Basavarajendra and it was repaid to

    said Basavarajendra during his life time I e. in the year

    2018 itself but failed to produce any receipt to that effect.

    In absence of that, as held supra, her defence with regard

    to issuance of cheque Ex.P.1 to P.9 as well as borrowal of
    19
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    Rs.2 lakh from the said deceased Basavarajeandra cannot

    be believable.

    23. That apart, the accused confronted Ex.D.1 to

    D.10 claiming to be paid sum of Rs. 2,35,000/-

    periodically ie., right from 16.04.2021 to 03.01.2022 to

    the account of complainant but denied the alleged

    borrowal of loan of Rs. 5,70,000/- from the complainant

    but contended she paid it towards discharge of her loan

    liability borrowed from deceased Basavarajendra.

    However, as held supra, she failed to produce cogent

    evidence to that effect, in absence of that, the version of

    the complainant ie., receipt of Rs. 2,35,000/- periodically

    from accused towards an interest for the loans borrowed

    by the accused from this complainant as well as the

    complainant who is none other than the mother of the

    complainant herein in connected case CC.No. 7355/2023

    has to be accepted.

    20

    C.C.No.7353/2023

    24. Further, the complainant produced Ex.P.23

    along with certificate U/s 65(B) of Indian Evidence Act

    though the accused cross examined the PW.1 on this

    aspect, but does not disputed the conversation/chats held

    in between her and the complainant, requirement to rely

    upon the Ex.P.23 ie., printouts of Whats app chat,

    accused not raised any objection and the complainant

    filed certificate/affidavit U/s.65(B) of Indian Evidence Act

    ie., as ruled by Hon’ble Supreme court in Arjun Panditrao

    Khotkar Vs. Kailash Kushanrao Gorantyal and ors,, by

    narrating the chats/communication held in between him

    and the accused through whats app ie., electronic record

    has to be relied, as such, on careful perusal of Ex.P.23, it

    clearly discloses that, accused periodically paid some

    amount and also admitted her liability and sought some

    more time to pay the complainant as well as the mother of

    the complainant. When such being the evidence on record

    the claim of time barred debt as contended by the accused
    21
    C.C.No.7353/2023

    cannot be acceptable as the periodical payment made by

    her saves the limitation as per Art. 17 & 18 of Limitation

    Act from the date of each payment made by her, therefore,

    the claim of the complainant is well within time and

    accordingly, I do not find legal force in the argument of

    the learned counsel for the accused.

    25. In addition to that, the learned Counsel for the

    accused by relying upon the judgment of Hon’ble Apex

    court Dashrathbhai Trikambhai Patel Vs. Hitesh

    Mahendrabhai Patel & others, argued that, as per Sec. 56

    of N.I.Act the complainant despite claims the receipt of

    Rs.2,35,000/- from the accused as per Ex. D.1 to D.10

    same is not endorsed neither in legal notice nor in the

    complaint, therefore the complainant has not approached

    this court with clean hands or suppressed the material

    facts, accordingly as per Sec.56, the payment of

    Rs.2,35,000/- made by the accused through accounts as
    22
    C.C.No.7353/2023

    per Ex.D.1 to D.10 has concealed , accordingly, the claim

    of the complainant ie., Rs.5,70,000/- is not a legally

    recoverable debt.

    26. On the contrary, the counsel for the complainant

    argued that, it was an interest amount towards the

    claimed loan as well as the loan borrowed by the accused

    on 14.05.2018 form the mother of the complainant who is

    admittedly the complainant in connected case In CC. No.

    7355/2023, therefore, it is not a concealment and also the

    said contention of the accused cannot be considered

    because it is not the case of the accused that, she

    admitted the loan and partially repaid to the complainant.

    Accordingly he argued that, the said contention is not

    tenable under law.

    27. On this rival claim the material clearly transpires

    that, admittedly CC.No.7355/2023 another cheque

    bounce case which is pending on the file of this court filed
    23
    C.C.No.7353/2023

    by the mother of the complainant for sum of

    Rs.12,50,000/- the claim in the instant case is sum of

    Rs.5,70,000/- though the complainant not stated the

    receipt of this amount from the accused but he contended

    that, those payments received towards both the loans and

    the accused admitted the liability of both the loans in

    Ex.P.23. Further it is not the case of the accused that,

    she admitted the liability and paid partially towards

    discharge of liability from the date of drawing the cheque

    and presented for encashment, therefore, Sec. 56 does not

    come to her aid, when she denied alleged borrrowal

    claimed loan.

    28. The learned counsel for the accused vehemently

    argued by referring to 09 cheques issued only for

    Rs.5,70,000/- therefore it is highly improbable and same

    is clearly manifest that, the complainant has misused the

    cheques soon after the death of his brother
    24
    C.C.No.7353/2023

    Basavarajendra and conveniently filled up and

    presented all the 09 cheques as per his whims and

    fancies. However, on the other hand, the complainant

    specifically stated upon the question of the accused

    during the course of his cross examination

    ” ನಿಮ್ಮ ಪ್ರಕಾರವೇ ಆರೋಪಿಯುು ರುಾ. 5,70,000/- ಸಾಲ

    ಪಡೆದಿರುತ್ತಾರೆ ಹಾಗೂ ಅದನ್ನು ತೀರಿಸುವ ಹೊಣೆಗಾರಿಕೆ

    ಇರುತ್ತದೆ ಈ ರೀತಿ ಇರುವಾಗ ರೂ 5,70,000/- ಗಳಿಗೆ ಒಂದು

    ಚೆಕ್ಕು ಪಡೆಯಬಹುದಾಗಿರುತ್ತದೆ ಆದರೆ ತಾವು 9 ಚೆಕ್ಕುಗಳನ್ನು

    ಪಡೆದಿರುತ್ತೀರಿ ಎಂದರೆ ಸಾಕ್ಷಿಯು ಆರೋಪಿ ತಮ್ಮ ಪಾವತಿ

    ಅನುಕೂಲಕ್ಕಾಗಿ ಕೊಟ್ಟಿರುತ್ತಾರೆ ಎಂದು ನುಡಿಯುತ್ತ್ರಾರೆ “.

    29. The complainant has claimed that, all these

    cheques were issued by the accused for her convenience,

    it is the accused has to explain why she issued multiple

    cheques for Rs.5,70,000/- but she not chosen to stepped

    into the witness box and also not replied to the notice of

    the complainant instead of explaining it, the accused
    25
    C.C.No.7353/2023

    contended that, she issued all the cheques to one

    Basavarajendra during life time said Basavarajendra but

    as held supra she failed to prove these cheques were held

    by the said deceased Basavarajendra in absence of that,

    mere on these multiple cheques for only Rs. 5,70,000/- is

    not a ground to disbelieve the debt claimed by the

    complainant, as it is not hard and fast rule that only one

    cheque could be taken or received, in absence of an

    explanation from the accused and proof of the custody of

    all these 09 cheques by deceased Basasvarajendra during

    his life time.

    30. So considering the entire materials on record,

    though the accused denied the borrow of Rs.5,70,000/-

    from the complainant but confronted Ex.D.1 to D.10 that,

    she has paid total Rs.2,35,000/- to the account of

    complainant, however she contended that, it was towards

    the loan borrowed from Basavarajendra ie., brother of

    this complainant who died prior to filing of this
    26
    C.C.No.7353/2023

    complaint, due to force and pressure of this complainant

    she paid Rs.2,35,000/- directly to the account of

    complainant, but as held supra neither she proved the

    borrowal of Rs. 2 lakhs from deceased Basavarajendra nor

    the custody of these 09 cheques by the said deceased

    Basavarajednra during his life time, as such, she

    categorically failed to prove her contention that she paid

    towards the loan transaction held between her and

    deceased Basavarajendra, therefore, the complainant has

    successfully proved that, the accused has paid

    Rs.2,35,000/- towards the claimed loan transaction as

    well as the loan borrowed by the accused from his mother

    who is admittedly complainant in connected CC. No.

    7355/2023 as an interest. Further, she has not replied to

    the notice of complainant despite receipt of it and failed

    to establish her contention at the inception of this case.
    27

    C.C.No.7353/2023

    31. That apart in contrary to her own contention,

    she claimed that, whatever the amount she paid to the

    complainant through account that has been suppressed

    as such as per Sec. 56 of N.I.Act the claimed amount is

    not legally enforceable but it is not her case that, she

    paid Rs.2,35,000/- towards claimed amount and said

    payment made by her has been disclosed in her reply but

    as held supra she has not replied to the notice of the

    complainant and not admitted the borrowal of this alleged

    loan, in absence of that, Sec. 56 of of N.I.Act does not

    comes to her aid, as such the decision relied by the

    accused ie., Dashrathbhai Trikambhai Patel Vs. Hitesh

    Mahendrabhai Patel & others, is not applicable to her

    defence, as such she failed to brought out any materials

    on record to rebut the presumption drawn infavour of the

    complainant u/s. 118 & 139 of N.I.Act, therefore, the

    complainant has established issuance of Ex.P.1 to P.9

    cheques in his favour by the accused for claimed sum of
    28
    C.C.No.7353/2023

    Rs. 5,70,000/- as well as service of demand notice, same

    is not replied by the accused and also, to strengthen his

    case of existence of the claimed liability , he produced

    Ex.P.9 & 10 which corroborates the accused made

    payment towards an interest for the claimed

    loan,accordingly on failure to pay the cheques amount,

    the accused is found guilty of o/p/u/s.138 of N.I.Act.

    32. So, far as sentence and compensation is concern,

    an o/p/u/s.138 of N.I. Act, is a civil wrong and

    compensatory in nature, punitive is secondary,

    considering, the above settled principal of law with facts

    and circumstances of the case, which clearly reveals that,

    though the accused denied the borrowal of sum of

    Rs.5,70,000/- from the complainant but as per Ex.D.1 to

    D.10 her own document confronted to the complainant

    speaks that, she paid sum of Rs.2,35,000/- to the

    complainant account, though the complainant does not
    29
    C.C.No.7353/2023

    claim an interest on the claimed amount but during the

    course of cross examination stated that, he received from

    the accused towards the loan borrowed by the accused

    from him as well as from his mother, therefore,

    considering the nature of transaction and the duration of

    pendency if fine of Rs.6,75,000/- is imposed that would

    meet the ends of justice, hence, the complainant is

    entitled for sum of Rs.6,70,000/-, as a compensation as

    per Sec.357(1) of Cr.P.C., remaining amount of

    Rs.5,000/-, is to be appropriated to the state, in case of

    default, the accused shall under go simple imprisonment

    for a period of 6 months. Accordingly, I answered the

    above point in “Affirmative”.

    33. Point No.2: In view of above finding to Point

    No.1, I proceed to pass following;

    ORDER

    Acting U/s.278(2) of BNSS -2023
    (Old Correspondence No. 255(2) of Code of
    30
    C.C.No.7353/2023

    Criminal Procedure), the accused is convicted for
    an o/p/u/s.138 of Negotiable Instrument Act.

    The accused is sentenced to pay a fine of
    Rs.6,75,000/-, (Rupees Six Lakhs and Seventy
    Five Thousand only) in default, the accused shall
    undergo simple imprisonment for a period of six
    months.

    Out of the fine amount received, Rs.5,000/-,
    (Rupees Five Thousand only) is to be
    appropriated to the State and by way of
    compensation as per the provision U/s. 396 of
    BNSS – 2023 (Old Correspondence No.357(1)(b)
    of Cr.P.C), the complainant is entitled for
    Rs.6,70,000/-, (Rupees Six Lakhs and Seventy
    Thousand only) .

    The bail bond and surety bond of the
    accused shall stand cancelled.

    Office is directed to furnish a free copy of the
    judgment to the accused.

    (Dictated to the Stenographer directly on computer, typed by her, corrected, signed
    and then pronounced by me in the open court, on this the 6th day of July, 2026)

    (M.VIJAY),
    XXII ACJM, BENGALURU.

    31

    C.C.No.7353/2023

    ANNEXURE

    1. Witnesses examined on behalf of Complainant:

    PW.1 : Sri. B.N. Basavanand

    2. Documents marked on behalf of complainant:

    Ex.P.1 to P.9 : Original cheques
    Ex.P.1(a) to 9(a) : Signatures of the accused
    Ex.P.10 to 18 : Bank return memos
    Ex.P.19 : O/c of the legal notice
    Ex.P.20 : Postal receipt
    Ex.P.21 : Postal acknowledgment
    Ex.P.22 : Bank Challans ( 9 Nos.)
    Ex.P.23 : Whats App Chat Conversation
    Ex.P.23(a) : Certificate U/s. 65(b) of Indian
    Evidence Act

    Ex.P24 : Pendrive
    Ex.P25 & 26 : Bank Statements

    3. Witnesses examined on behalf of Accused:

    – Nil-

    4. Documents marked on behalf of Accused:

    Ex.D.1 to D.10      : Bank Statements
    
    
    
    
                                      (M.VIJAY),
                              XXII ACJM, BENGALURU.
     32
         C.C.No.7353/2023
     



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