Disposed

Smt Padma Nayak v. Bank of India

DRT10 Nov 2022SA/138/2022

Case brief

AI extract

What is this about?

Writ petitioners challenged dismissal of complaints under Section 138 NI Act involving multiple cheque defaults and alleged procedural lapses. Court examined service of notices, section 138 applicability to deceased signatories, and grounds for dismissal of proceedings. Messsage text in court order is unintelligible.

What the court decided

AI extract

Smt Padma Nayak versus Bank of India — Cheque Dishonour | DRT (2022)

¶1

1 'fl. .^iq<-1sa/zozz

¶2

flrr^q{fr sTFwur^qffig(

¶3

(r u To udeqE trw)

¶4

(frortr{ orffi -^qrfiq fr vq frqrfr^q}a)

¶5

Vfl.^{q. ;tw} -^rca/zozz

¶6

j. effi q6q1 qr-{fi qS fr Tq-ftd ?iE, 2. fr Tq-fi-d^?is ft-dr^{+ft gs.qq. aE,} ffi frqrq o-q-su-s, req ttsr^qrd, q{rildgr, fuot qraq (u.rT.)

¶7

sTfiE-orIUI I

¶8

fus-q

¶9

d-o en F vRur, u.rogt eia^(u.rt.)

¶10

sfenrf,w oTlfu-fli/fiw' ti_sr, to erq. iBqr, fr{fl orrfrrst trqgs^(u.q.)

¶11

Gl-fli(orlq I

¶12

sTr+{o-.rur a1 3ir fi fr sTffiq *A erfu+mr t

¶13

sffisrfr fu ot sN t fr urfrq^rfifr erfurwr t

¶14

sntqr

¶15

(fuqi6 rct't.zozz d dfud)

¶16

i. cnnqf,rtq 6M^q6 oIlilf,{^qm fi (1) wffi \r€ 2oo2 d ur+n+Twn slff{i ol^{qiBot z} t^{qrfr .r$} ssriril d er5w vf,t-qrfr d-o d^gm qrnq-rrrur d ffi-q srsffi v{e 2oo2 d ff-( ct-tT

¶17

./n

¶18

2 Vs. . i;st-,3a/zozz

¶19

of T$ o.Tffi d erdET dkd frrn^qri, eftq-.q Wqcr fuio rs.oz.zorg o\ 3$TrKr frri^qri, ffi W+cr futo ro.or.zozz d GTqrkI frrt^qd, etrilc+-{rr oi dqo^qqfu t n{re-a c-S frrt^qri, entq-o.{'r A zq^qrd o\ Ti RIt t s-{ffitfftil m^qri or ertcr fui uH^gs si-q sfuo rs-arqor & n-o* zz.oz.zz d c-qd fu-qr^.rqr t t 2. GTril{fi-rrq of *i t u-qo frr}^.r} sil-A-fi or €dq EH crDR t fu onil{tr o-qio r em vorqrfr t-o t 2l,oo,ooo/- (crqdr5fl ars) vqi a1 ffiq s6r{dr rrrkr o-r si-{d wtrTfu d ftsq i srq tiuo ffif, fu-qr^{rrqr qil} ffio *^q frd^q-drirr {6r, sfl ffq ssq Eg ffiq^fio-c A^{orqur sTr-i{firrurgs} ftrd^{q-dri +t} ao ri ffi q++ s-c-rorft t-o o\ fr^,T{, fug vtrwrfr +r d^qffit d sxr 3n-il{f,rrur or sefir c-€t fuqr^.rqr ft-q fr erilco-qq frr{i^{qdri tnr} trirrcr o-{fr € 'q lte..+d efrq.^q-6rsu-c o1^qi.r of^.I-$, fu-g B-m-t-qrfi.ToT d ar{r sqf,eT T€f (D{l-t[I TI-TIT I 3. 3r-t orftnefi t fu s{^{qRfufut q} srElrTf, str{qrfr @-qio 1 d gRr^qr{r 13 (z) wffi v.re^2oo2 d crqqril d trn lffl ot$ Xd^q+ar iRf, fttn, fir q+lr ftqio. or.ro.zora (gtflr v,/r), ifuo or fr^.ri u\ +fr-n eem Esqy fr fid t, {QTrfud arq fuqidt d ffid t Si fus {rfu o)^qed d frq oil-il{o-q-q sc-rqrfr T€t t, B-s-d ftq^q}trfl iftd fu-fl^,rqr t', wqfu^qfu frri^qri d ero-q< dr t ti"iBa (wriq sil-n{firtur o\ sc.ilq rS 6{r-t T} silt^qa ,fr TS^{qcrr{r rrqr} fu fu-fl M^{q qril{flT'T} qr x-uT sror yc.ft.g sftqo fu-qr .rqr t t

¶20

3 'fl. . i*<-tsa/zozz

¶21

or1 s1ft-ow t fu eil-n{f,-.r"r uq^q-eFII qrgir B, sS BEieq t sf,c-qrfr @-qio r d m-rqtoq fr qrqx enrs qqfi or ergtu fu-qr rrqr G utr sri o) g-{HqRoT frt}^qri ot ergtu fuqr^rrqr, fug sf,.{rfttul d^gm dr{ H-dm-,T TSt frtfl^{.rfl qfu} enn<-orrur^q{ 2e,1e,961-o+ vqi (B-+s ars vfts rqx d d rfi-{rd t-q} +{rc^q-fr) of Ets Wf^q-{dr orffi^qniq o-r fr T$, frTqt^q-mz +dr B fu^q+qrft drq w^qro dr.cr.rqr t,^q-{fu {fl T{6 o.I ot$^Gt-gqeT d anr r€t fu-fl^.rqr t r fu-s^{oTrA-ffi-rIUI} erqr^{qiq q+tr} d fut-q^{qrgr 13 (q-q) s{$ffi} vre 2oo2^qr olq-ilfi^,fr ift-d fu-qr^r1-q1, frrg^snq fuqio oo o'r$^q-qre sf,t-il-fr^qa of *t t nfua c-€i fuql .rqr, gsd er< urilq-s-rq frrS qgt-i € t, fr{ ,fi s-orqrfr d'o d arr oTE[s q+<t R-tio 1s.o2.2oie ifud of^.T{ fu-r} Es e?F{ur d^qrtqq t^sflrtfud fu-qr .rqr B, fu-g ft-t Wfr eTfuq-€ q++ ft-rio 13.i2.202i ifro oq fr l{^q) fu frfun^{qrqqn\ qti} ftwt d ffia B r vs orqq erBre ga-+ futio 13.12.2021 orrTr-RT frr$^qfi d.q t't

¶22

s. {fl-d^{srftR-{r orkoQn fu-qr rrqr} t^fu srB[s {qcr o-r^q d Eqi etrlclq orrfl^{rrqr q} fr ritrfi qrqk d gw rnrr rr-r^qsr fu-fl^.rqr, fug ds Wi^{erffi t atq{ o.ffid ero-q< vcrrqrftqq} HRr fl-irffi^q++ ft-+i-o^{16.01.2022 c-f,IRrf,} oq *^.r$ ffi^{Eirfi qqfu} or errflA-o {il 30,60,000,/-^(fi-s Frrcr ttrd rwx) sqd forfR-d fu-qr^rt-fl, E-qfu Gr-A-ilf,-rrur t q-q Vo flfl+tq sr-5t'rft( Tflr66 E-SFqr^q-ftE ffi t{ k{r-fi^s0.12.2021o) Tsro-{ o-srqr ftrsd si-Tflri sqfu or T@ 36,00,000/(E-ffi-s oru) vq| ftqfRd fu-qr^rTqT t, fug vf,t-qrfr

¶23

4 vfl.^g. isr-tsa/zozz

¶24

qeT Ertr c-{qrfi titq w oq qftTf, w eniffi,rur d Eqfu ol fuo.q frri qri o1 o.rffi e-trrfuf, or fr .r$ qs cn-il{6-'tur d gm ur6 }l-klq frr} qfi w fo't q-.h'Elt rul wrrT o-rql qrdi d si e,oo,ooo7- (fiq aru) w-d Tffi-rd^qrrr ir-rrr qrdd t \q ts vRr oa s{ d er-et g.ron occr^qr6d t g-f,q5T dH ftfue vst-su-d fuTft-d o-q fuqr^qd, fu-E vorqrftrrur d gm o{ril{fi"rm + orgfu w otg fr-4ri c-& fu-qr rrqr, ac 3[ril{fi-rr"t ol gq Grfuo-{ur d wqer qlfuor sqo o-i=Tr qSr 6. sorqrft.rq o1 orli t p o1 orli t p orli t p t p sTrlsc or wmlor wmlwml

¶25

sorqrft.rq o1 orli t p o1 orli t p orli t p t p sTrlsc or wmlor wmlwml u-qo ort gq Tor sTrnfi t erffio aerT) oT cFilfl-q fu-qr^rrfl B,^qFtrsrq $-r silqR t fu ofl-il{o qqtq- z M r-q-fi-d N qo-s Hwrrir{ or q)gr$ur t fuH-d snr S.fr. frft-c gq frva.S.ya. gEqT d tro 2l,oo,ooo/- (or-q6rts orq) vqi strt-qrfi fo t d{ fuqr^.rqr, orrf{o o-qro r } qqmil{Hr ffid fuqr .rqr vq sTqi grhs o1 er+o Eqfu qn-sr ci{r so, e7, 121/s, 127/2s/2-q furo urq sirH iloqrq fuf,f, sr€, wrcflgi ilf,$-d esr (u.rr.) Ed EF'qT o. oss ffiq orerta oooo srfEe ihr HrRr eqo M{f, fu-qr^rrqr, fu-g ftd .ri aq^qq ffit Trrdrq ori n oNrrDcr r* B, a-c aTril(fi'Tur o.r uq qror fuiro 30.0e.2018 o) q{.fr.q. M^q srfqo fo-qr qroq qm re (z) rw$ffi vqe 2oo2 d urourym fil r1u-+ q-o srfrr zg,rs,eo1-6a^pqi (s-+s ors vfi*r aqn d q\ fm-{ro sqn dr-sd i-t)^gs {fl^yrfu w^qrq sFo Urrf,ri fu^{n-qlo 01.10,2018 o) (q-i@r sl-i/1)} ifuf, fu-qr^.TqT, fuE otrd-{olTrT d Am rft rg.ron e-{i fr or{rrocr rut w dqo Eqfu or srdfuo GifuTs ftin qfi tg GTfuTs q++ furio 13.l.2.202j strnr 13 (4)

¶26

5 Vs. . iqq4ss/zozz

¶27

ffi$ffi rre d ersETmrguri (qtffi sTtT/2) ifuf, ot T$, ffi Tsr+rft o-ffi 01 T$ G oz wcrqR^qit i^yorq-{ o{rrrT^rril ftilEt €dft(^{(wrilq(qi-@-t} orR,/3) W (Vi@(^qx/+) rgo frd.ri Bt 7. sorqrft{q 6T^q6 fi cfuqrc t fu dilY?lcl ffi {n-{r^{fu{io16.01.2022 ifta o-{} ffi o-rffi ftfl-m 2s.o2.zozz d fu forfR-d at .r{ r ffi W+cr^{02 v+rl'a-t qrJ q e-mTRTeroq-$} ,r$ r trqi6 22.01.2022 6) ('i@{ onr,/6) d w fr 3nn{o.rtq w orfta ord T$ I awr+ft ord-q-fr fi of T{ ftr{-S tieiFo^(trffq F-i@-t sTr{,/s) * G't@r sT'n/t) tt asron sqq^{qJ .d} ffi olffi fr ffi ddr d^gr{r 25 cfr{rf, of {rRT^{+fr qrn} ol w g+t B t vmrqrfr sel^ihT GTftoall B fu erilel-oqq + fud-€ at^.r$ rrTi flffir^enq.fr.en$. d frcn ftder \q^s{+ffi vtrd^{2oo2 d frfufi crqqrit d ergw {rgl=I} of^.r$ t, fr,9 s{t-il{o-rr,r d^gm rrgo^enne< F-itErR B, w{fu^{oil-A-{fi-rrqq{} drrlil 3o,oo,ooo/-^{(d-s orcs)} t-Ti^q,1 uq srRr tq t, fti-{-m gocr t sil-i{fi,lq^tD.r q-r 3,oo,ooo / - (frn oru) w-i qqr ovi o-r e-{il-q {ffi +.q TS^QlTts1q fr cfuqrE t fu^q;f{f,-.I'r d amr fiq q++r d fus-€ o'$ fr oI$^enqril+t r*gd T€t fuqr^{rrqt q} fr x"r^qri d fu{tq of^qiT at^.r$, fu-g^.roo oQ4i oT oQrq o-G gq {fl^sTk+--{ur d^trqer {d Gl-ilfi u-tgo fuurrut t I^gtfr utm w rqd Gnilfi o\ ft-{tr frtn^qH or er-gtu fu-qr^.rq t t B. sm-t-qrfr ser or^qil-q e-{gf, e}i d crqrd sriilcorrur o1 sil{ * ftils 11.04.2022 o-} M€{ u-qo fu-+t^.rqr, ffi qrtqq t sf,{qrfr rIeT gRI rqo erdrm d^qrtqq t eril{f,-'M d^eft+a-+f a srdfuf, frtn^qfi tg slfts-s-{ frr} Tn, npqf or su€=I

¶28

6 1g. . tr*-,tsa/zozz

¶29

fu-qr^rrqr t v+ gr, Td Gnilfi il orftq"q frrn Ti mal 6 u-gw fueigvr S quoq t Fdrqrfi cer trM of^.TS oiffi "\ g-+fi td gq Tq Fc t qr srtqfu d ,T{ B fu pq1- B.o2.2o1s o1 GTBq-cq Wfir d orkd fr €i Ev foqio 8.12.2021or gr, qftce W++^{nfuo fuqr qrfl} frBfi srqETni or soqc B \q enn<-ot"r SRr qpr 13(3-q) Eyffi Tre d 3id.rfu rgo frrn .ri er,q-nfi or t+rrqxq ftrA frfl Gr-t ot ry.rfr^{Wfo, qFo B, s.S ersrR w rqo urilqq} rfifl-i fut qri or ergtu fu-qr rrqr t r e. B-drqrfr ceT +t Grlr t frqr$sy tnr Etrs frqio zz.o+.zozz d rgo ord Eq wfio-rq fuqr ,rqr t fu sriileo.ruT cfr-qffi t, d qs vS qd w 9o. +fr-fl^yrw d rrrr cq Wt onil<-n Ei +p-fl TS froi or oem frqrq q).q q-S t t erm ts(z) e-qsffi g+d 2oo2 d +Es d frsq { we fu-qr rrqr t fu w orEr.q q-fir oT ltnrcrr T& o-{rql Tqr er, fu-g qq oTra-ffiquT mq rrRr or grkrr-{ o-{i i ersqef v} a-c T{:^{dfl q-dsn} +tr-fl ft-{ro' 8.12.2021 ifuo or qsrflft gs c-sTsn oT-ffi 6-{i d cv-qrf, snt +1 6ffi e-wrird o1 ,TS d Ef Afu sqo t ss oililq-qrrur gnr rEd onn{q 6i Bi* ftd qri or 3t-Stq fu-qr .rqr qrpr fi $-cfie efrw yorgu-c Vs ifi ft+d^/o+a?F eTR/1) qq (q+ffii oTr/2) d w t {id.c Ar} .r} t r 10. vtrq^qei of Giy t rqo frri Td sTft-qq_{ vq a-s1 d Toiq t Grfu{-rrr d rrqef ftq y$r ffiqB:-

¶30

1.^qqr otriffi-rrur of qrfuor grq fiil d sl_fl tz

¶31

7 $m. . fr<-Ba/zozz

¶32

2 qfl vtrrsrfr d-fi am ift-o ct r Efir ftqto e1.ro.zore. sTfuTs Wqfl ft-{io 13.02.201s vs fui-6 13.12.2021 erqrw fr;i qr-i qY'q t ?

¶33

3 qqrEftrnqqfudffidfrq-qqnfud ffi W+fl^{ft-{ifi 16.01.2022} 's^sqq of^.r{ ffi o-rffi ftciT, zs.oz.zozz GrqrkT frri^qri fr.q t ?

¶34

frqrotrq^ggq @qio - 1

¶35

oTrilefi^qeT of Gi{ t Tfl Gna-fi d wrer sif,fu sr-d-fi 1sB/2022 errrr s^qqtfl GTEfrqq d crqqF\ d trf, u-go four^.rqr t fus w BTiI^qeT o) gn^qro-t f+qx fo-qr^rrqrt erilco^qer d fl-{r {fl Grrilfi d cr:rq t^qi.r qq-{r fuqio- 01.10.2018, olftqiq q+cr k{ifi 13.02.201s ys 4mft q+rr furio 16o1.2022 o\ 3rretft-d o.-{i gg ff116 22.s2.zozz d qlfuor rqo of .d t, d sf,rqrfr cfl g-E qE o-6 T6r t fu sTErcq q++ fu<im B.os.2o22 lril-fr T€t ot T{ ildITStd oTBrfl qu+ fu+ro 8.12.2021 nB-f, sfr T$ a)^qR oTErfl W++ foiro 8.12.2021 t srq ftfl at^rp-cr aJ^qd d oifus-rg^q-6rqTt o1 3rqB tf qt-q o-r-rq ssq Sa o-dr qrdT B \ti qn-fiq E-qt@ -qlqldq d Eftry Rqr fttcT d e-6rcr fr o-)fus-rs q-glqrfr of si-qB tt TqfEr orBft-{q d crqqn\ sir fukd rd^qri d dtrn trs ftRq-s fr^qa Ta sTd-fi u-rgd d.rqr t, grl oNUT Gr-d-{r ngo ori d u\ fi frciq $il t^qa erqr ftrn^qfi lYrq t r 12. rDel-Fl-r'rT sr-a-{fi qe{ of Grk t u-qo <rioRr Gl-il<-{ 1sB/2022 ftqis za.oz.zozz ffi gg Tf, GTr-il{q^tt gq frFfq oqqr o-q^qrfo+r y <}v w gi

¶36

8 Tfl.^q. fqg.-,3e/zozz

¶37

qri +.q ftqfkd 6-{d gg, td oni{q oT gur dq qr furo-iq foqr^qr rsr t t

¶38

ac - srq srft srrl o\ TrF HreT ftqlr fr {q o-r ftq.S fuqr rn va t r 13. 3nns-o ceT d trr{I Td sTrifi sf,rdrfr t6' d cTfu-qo orffi snr enieo-rrq d fr--s-q frn Ti zq of^q'q-fr tg cri$ffi v+e 2oo2 d crqqnl d 3iilfd^yrgrT at T$ 6Tffi d g-+fr td gv qqn ql T$ ffi o.Fffi m-\ eiqrw frri qfi o1^q-drqf,r qr$ t, nl cem +rr-{ 3i-{rcr{fi seT qr qror t fu 3rtildrf, ceT of silr t ngo frd Ti sTft-oarri or s"-gq fu-qr qrn G qE eqFro fu-qr q,t fu, +t T{ ol-ffi frfu sqnBr

¶39

¶40

qa ao nnr qa-+ oT scq t, vc-rqrfr wT d axr erci^qqrq d srq (\i@-{ ar</t), rirr qa-+r w *ia.c at^.r{ B gs g-q sTffq-o crT i fi 1q-i@T q/1) d w d qiq ra+<r of qft fidr{ of t fq 3rril{o seT rr-r^qe .ft o-r+ t fu qFr q++ d ft-r-q 3Trncf, vei i ('iffir /2) qr GFq-ff,{ um rs (e-g) Bffi{qrfr d-o dr nfud fuqr .r+r, fu-g vorqrfr t-6 + ErsI ss sFqrnfi or ot$^qfl-q r€l frqr^.rqr fus onur sffi{fl-fr t'o arqr or-t ot, of T{ oTffi $f, d^qrfr tr 1s. qq or-i{fi qeT, qxr rs (e-q) w$ffi vqe zooz d Grtqrnfi or, vorqrft d'o gm ft-iro-{rr =rS frri^qd o\ srBns^qq-fl srE-f,r t, e-q enieo seT rN q6 qN qror t fu yerrfl, qe cflFrd o-f fu qrwq t tqT^sr.qrnfi B-f,rqrfr t-o o) srtq-r^qer i ifuo fuqr \ti strt-qrfr t-o d srq fiqr + Gi(r Gnq-ilfi srkr 83il oq fr GFqrilfi^qrpq fiqr d qe< f{rrq-d o{ qRqTq t sTril<-o of qfud r€l ftr} uri or dq

¶41

9^{gs. g.} ix-1sa/zozz

¶42

sf,{qrfi^{qe{ qt Gntft-d fu-qr qr rom B,} w^{tffi g} (zooz) I \q.fr. ttrftq s@-f,q^{ql-qlerq 4T qq{ETd} t-o. sfis fr. ++g Hrq^{dr{eftTfretrsq*} €Eqr^{Gi-{ffiq Bt} 16. ys ctFwr t oTrilf,fi^{qeT qE} oa d ra t fu^gi@{ /z)^{o-l oT}ql-n{r fu{rfi 06'10'2018} sf,rsrfi t-fi dI^{nfi-d fu-qrrw, fug sf,{qrfr t-6 d} Em^{eTqt s-q|-q d qrtqq ttq'r oti 3nq-il{q vrK} di d^{qp{ o) gfi il{6 t} i-oll^{T€t frtqrrqr t aq} c[rilffrrur^{q{ q6 qR en fu a qfr gs errqrd-eq a rfrrc-g^qq t^-tqr fr^{trsd rftq sIQIqT} io'^RcYC u-qo ord^qR arew^{frqr en dr frti sffiq-o m} qrfi ,fi fus-or srqlq t, aq 46 tro-n T€l^fu-ql qr wficII fu 3TIil{f,qq d anr firr q++ fuiro oj.1o.2oi8 n^{qFff, oe{i o\ oiletBd ord gv, s-m-{qrfr} t-{ d wqa^{enqfu or}qril{r u-qo fu-+r Qfl fusor fu} sf,t-qrfr t-fi d^{gxr ft-{rfi-rq rfr fuqr rrqll} 17. srlil+o^qs of^sTli t^{slBqs qaqt funo} 13.oz.2ojs 61^{ltFRl=I qti qsrflfr Tfi frtn qri o)} oilqR^qflqx sf,{qrfr^+-o. d^{gr{ of} 'T{^{rdlfr olffi d^g-d-fr fr^T$ t^{I zrd ser t fu qR eTnT13} (s-q) Glerqr^qm 14 sidfr v€^{2oo2 d srqETrit d} qf,rin cftrfi Eqk or slfucs r-S fufl 'rqr^{g ae ffi orffi $n a-ffi "ir^{rilfi-ft fr, fug qfl} q-o{"r i smr-qrfi qel of r t u-{gf, frd 'd M€i d^{E-qrq ftqio zz.o+.zozz d ffaq tqd} sq fo-+r^.rqr B fu^{qemfl, 3lftcfl qaqr friffi ta.oz.} zorg ifto ftt^{,T$ ,fi, fu-g g}r sfics q++ t ot$} olffi^GTrt T€t^{q-dr{ T{, orsq fu sTrils-o' va igro} qfrr qqr o-ri or q-5tq m-qr^qr, fo-{^{qq eriilco} qer i qrRr qn r€t fttqr ae oIfu[s q+cl Btio}

¶43

10 vfr.^q. i;w-,sa/zozz

¶44

13.12.2021 ifuo o-e d crsrd Gnt o1 oTffi Htrrq otGtl 18. H{Sffi Tre d crqtrrn qn tqr qrt T} ura re(+) sr+TrF-d o-{fr t fu qR Efr qfu qi.r g++r d si-Tsn^qFr of ..T-$ $fu furfkd o1 .r{ wrq frfl t^qqr +fr o-(cTr cq^qfu1fr dTfl-{ cfuIFr srTk or erBqs rrrkr o-r e-o-or B, fu-g ua swifuf, r€t t fu ciq q+rr nBo 6-{i d frrilt Hf d 3i<* cfrTh il{Er{ ol^qrf, sqfu tnr qidfuo erel-qr qtfuo sTBrs drT qM +fi qfu yfl.sn$. (E-qHt-i) r-ffi 2oo2 d ft{q a fr zra^yrqtrrn{d t fu qq o.,ft crkqtr oTffi er+a sqfu or erDq.q d-fl an-ilr q-dr$ q-i d.n^tr6 crtft-d oTBrs W{fl mt d tr( yb-q d er5rx e-orRrf, otrrr, Tsrflft o.tfl, d qR vf,{qrfr^{geT q6} ecTmr' arEflr' B fu qefi ertmx c{ olfuq-.q q++ fuim B.o2.2olp qrfu ceT o't ifua at T$, fu-g srtrq-o^qeT d 6M frri Ti q-J-iq d s-srqr fr {s Grfuq.q q+lr o) 3Tr-t =r& q-6rqr rnn. fo-g w srT'f{o^rTeT fl-{r srRr^qqr rS of G aq gr, oTftq-s q-+tr ft-tio 16.i2.2021 (,t-ffi GTR//4) iBfl of T$ dr^qq sTBrcq Wqqr fuiro B.o2.2o1s qr g?Fr{rc nfr o-*rw rrqr, qq-s sqfu w qgrq-rft T€t o1 T$ oq erEc.q q++ Ho B.o2.zo1s wiq A ftw-a d^qrfr t, d^qR vf,{qrft ceT i sTfuTs ta++ ft-lio 13.02.201s d ernm c{ Gl-il{fi-qq d ft-t-q ero^qqfu o\ fi-drq o-{i of o-rffi fuqr *or oe ftfr-dd w t of G oTffi (fuf, rrfr Elfr, tu-g frE d tr( tsl rd-{ TS t tu nR-n of r-$ gf, GTBrs gulr vR erEIfr €sx ftw.-d d r-$, a\ fu-r sfld terFr^q{ qe-fr orfuq-.q g+lr iBo i-S at ET {ro-fr, onq fu Gnd-<-r^qer o} efurro q++

¶45

7L^gs. . i*<-Be/zozz

¶46

ifuo o< ti^qn t^Gftro' sqfu or erBcrq cm +fiR^q&Fnrt oqrq d^qrfl +fr^qr+ uil {l-.FoI, orcq fu frqq a (r) w.er$. (gqNi'i) t-ffi 2oo2^qE qrqElF-d ovor B fu Glqo-gffi + d srsfi-f, i s6r GrEriq q++r xuft^qk w il-fid of^{qrtfr q€l} qtrf, w+qfu w er6fr E{q q-rr q{ TsII o1 qrhft qd ft+r s1r; d urotnrr$Tn slfuqfl q-+lr vo sqra d eiqs oz sflzln^qrl t ffil +^{gfi qT-{ ,TIsr} d d, e-o-rRrd fi of rrrtft ae fr^{iiem qqfu} ot Eo qfufi d-{flr $ qer?Fx dl fufl qnr ffim-Rl 'TI soor B I o-ri oT ilild B fu 3Tfur.q q+lt ft=iro 13.02.201s (qi@{^q,/3) d^{GIIEIT{ qt} sorqrfr +f, o} tiero qqfu or sidfuo slDq-.q crw r€t Esn^adt, onq fu {fl q{fl o1 utFRFI a$f ovm^{rrrlT err, ;I} fr Tsrflft ETffir of^.r$ S aq^vf,t-qrfr fu^d frq-6 srq{rrtn^QIT fu ftqq a(1xz)^gs.gTr{ F-qld-hc)^{vffi 2oo2 d srqEnfl-jwri frfuf, 3TfuTs} qrn o.-G tg oTftrcq q+tr iBo o1^qsrq-rft o-rffi vq^norqn sTffir^{rfr vlqq q1,} 1e. erq tq{r^qd t fu efl efiq-tq W+cl fu lt.tz.zozt ortilq-{-rtq o\ il-fi-fr o-*r$^qro-t Ghrf, sqfu^{q{ q{rtT qi qFIx qrilqx qdi} n^g-o-rRrd o-id^.d t r^gn frs.q t sorqrfr^{cer qtt} ult t^u-qo frrn Tn s{ffi^{q oTEq-fl qtmr} fuiro^{B.tz.zt fr} cfr (viffi oTtt/2)^q-qre d^ge ofio^{17 tl-t rid'=I} t M clsd r€-< gts oqio re w^r{o'c t, ftrr-d ergwrc^{qTuII qrdT} t fu fi sntq-6 slqfd ffi q<qr qr{r6 ys sfr Tq-fid zis e} tM sro t H_{ 20.12.21 oi +trfl^{nfuf, 01 .r$} r^{gw oqlo} 1e^{qr qsFrft} urqr foa 1q-i@1^{3iR,/3) eilq} } si urqr sfr ftfr^rnw i o-qr Atq^q-olRrdo-*ri

¶47

72 Ts.^q. i*-Be/zozz

¶48

(\t@{ efit/t) ckor ft-{ifi 16.12.202i d w fr fi6rq $, siffi^,TrEr t eEq{ efl.D sRqT kfl6 16.12.21 gw o+io zr^ti *io-q t t^gq aro t^qg q.rtFrf, srqT *TrflI t fu sTEr€ W++ lCcif, 1sl2.21 {M^gp t eil-d-{o,rur dI ifta o1 G ffi drffi di of sqElrqqt sr{r 27 E=r{d f,dr$q^g€ + vr+TmrTfl[t of^qr}rft vs asrflft^q IIDRI=I o-t trrITuI (qi-@r oTR,/3) gs (vi@{ aIs/4) d w fr^q-{-rq t Bqerar B r qs aw t ftqq s(1xz)^gfl.sn$. (S-qHnc) rffi 2oo2^cFl slFr=r dTr s{rFrf, crqt^qrdr t t 20. vorqrfr^qeT at r t erqi^qfl-s fr orF-q-fi fu-qr^rrqr t fu dtr-f, Eqfu at ffi tg ftq16 ro.or.zz d ffi q++r nfuo frt Tg ffi 3rrtrr{^q{ ftqio zs.oz.zozz d ffi orffi frqfkd at Ti, d ere tqcl^qa B fu Eqr eil-il{orfq o) ffi Ed{r^{of drffi otd .r{i} ss^{frsq i} strt-qrfr^qa of fri t u-qo ftr} Tn^qwrffi t ffi q{i+ or ftffi rrvr t norqn o-{-i t €qBd qhor srqgs ftqi6 ro.or.zozz fr cFr ('tq"{ Gflr,/6) gw orio z+^qr *ioq t't srtrfr^qrw i sflqrq 6{ri t €Eikd eEqr 3frq' vtru tngr ft{1q' lo.er.zozz et^qfr yE 6rio 2s^{q{ q61} S I erlt{+.fq o) {M s-6 t ats nR-o frrd^qd of trsd {$-E of urq^qfr fui[fi 22.01.2022 gw otio zo qti zz^il rid.{ t 1 tffi^{qqfu qr} ta frEs^qsr ftrn^qri d urqr fr-, giffi eTt</7) gv o-nio 28 w ridr{ t r^{g{ (wrili} w erfurqrs o-ri or al{ oxrr r€l B ffi^qe oea^{.fr qqrFra} ildr t fo ffi oTffi ftqio zs.oz.zozz d frs-q t oiril{f,rrur 01^qfur-f, q++r firw-d sto gxr foqfo zz.or.zozz d ifro or fr T$^{eft ys} srlzrr{ Tr\ { frqi6 ro.or.zozz d

¶49

13 Vs.^q. iqtlsa/zozz

¶50

c-f,rRla iD{I fr^{.lri ,fr,} d ffi o-rffi ffio 2s.02.2022 d eo ft{ Td^qkirrfl q++ ifuo fu-+r qr+ gs stDrcI=I o-{rrrr qT"rT^..ft yqrFn *or t elqfo nqq s(1)^ys.Glr$ (E-qNt-c) vffi 2oo2 tnr^qTFFT fu-qr^{qrqr yqrFn} B t 21. s{Fr seT d GTft-q-q-{ t^qa we gur t fu gf,.{rfr d-o gm ft{;5' zs.oz.zozz d fruf'R"-f, ffi oTffi^{qaffi qffi} ETffi^eft, o-nq o1 smrqrft ceT d .imrs t o-€t fi^qa c-tr^{qrqr qror} t ft1 Td t q-d s'fr {ffi olffi ftqttrd g$ eft, cq ft{tRd frri^.d sTRfua {e^qq ot$ +drfr dor^qqfu o-q o-{i ig or-t T€t erqr, fus orsq^qrqroqff ffi oTffi^tt e-mrqrfr t-6 o) srrqfud 1e ucri ot Tf,tfr^eft, e-q B-f,{qrfr t-6 o'r^{qEI qcfl=Tl en} of cefi GFNR^qr oq r\ oq Mfrqf, ilq^{gz,+o,ooo//-sqi} d ergw oTr{ka 1o eut ftErfR-d l-€f fu-fl^rrqI, fu-s qs ftw+ tt vtrt-qrfr ca d^qqrq t ot-$ $Tfi'malT c-€l B t sf,{qrfr cen of frr t fi-d d srlqT^q6 deq .fr T€l drfi rrqT t of s-w sqfu qd frrffi Tfl qt +drq of^,r$ t t wqfu slrnilo^qm oi^qa ur+i or so t G^qq ft-qrE frd d sqs df+o t vq fuiro 28.03.2022 o) vcrqrfr d-6 of Gili t^{q6 qfl-qtrt-ql} qr g6r t o1 Eqfu {-drq d g+t t | e.Fd ffi df,r d^gnr 25 vfurd of rrRT^qqr,fr oq fr^.r$ B, fu-r,ft ffi sTffi or sW ft-ryq sffiqrfr fo d^{gm q-d} d sqeT trqo l-€t fu-qr rqr I 22. sdt-qrfr ca^qtt *r t rqo fun^.rn wqrs d^qrtqc t^qa eIMfu d^.d t ot silt<-o d gr-tl ss q{ etDrfl eq 3o,oo,ooo,/-(fifl ors) vq} d {dd^rIEt 3,oo,oool-(ft-{ aru) uv-}^qqr o-{i fl s-trrs frq1^{.rqr en} u\ ffi lt.q TS^erT I Wr

¶51

L4 Sfl. q. iqr4sa/zozz

¶52

ftqq^g Gnil<-fi cei d oTft-q"r +t o-trsor-s.21 4r ei-s-o}m-{ o-ti w qrrfl qrf,r t of ond-q-6 d gm fidifr {s-fl d e6n1=r d c{qkr +o' d HrreT 3,oo,ooo / - (d-c drq) vc$ qqr o-d or gq tE ttRT +^qS d oet 5.rort o-qi ors sr5tq oqd Sg .TTt d-s dBc -6lsu-d^qb) frqF-f, o-S or Grgtq (vfiz) d^qa d^rrrrzFr t fo-qr rrqr en t q-6 c-{ fu{io' 24.01.2022 t tdfuo B r E-{fu qftf,rfr qil{r oT q?DrqFI Hro ro.or.zozz d E-{rqt uTr gor w, d we t of^qrwq ti snil{6^qeT uq Urrdm ori d cfr sq.r c-S 16r t G +flft g++ norpro d qri d^qqqrf,..fr rat q+ vRr q,n o-ti or ergtu fu-+r q}.q r$t ?D-6r qT .r+r qi frtrfr fi EfuD)"r t ffi rrrrdr, olEq @t rmTRra of T$ ffi vp+lr t we sr$ 3r-ilq-o ser^q{ uq c}s an, ffi frw fr {-flft offin$ e-Krfud of .r$ t r 23. d s6i ao sorqrfr +-o d gM Tq qqf, frri^qfi tg^qrr-n sqfu + fds-q Eigffi y{d 2oo2 d^qrqqr+ d GHtr otffi qr-{HT ffi qri o-r qr{ t I^gs frsq t aS S+q-cT s-'re r€l ffi, 6nur ot cil-n<-o-rfq si qFr Wd{r fuim o1.1o.2ois dffi-d o-t[S T$ t, fu€-d ci-ggn q-ilq-5-rrq q{ 21.oe.2o.t6 sfr Reft tl zg,rs,sor.64l-(vfiq qrs vfiq Esn fr d E-oso FT$ rnrrd t$) or zq ets Qn, fr-r sw snEq-cq q++ ffi-o B.o2.2o1s d norcr q B.-d{qrfr ilo gm slil{firTur of egrfi sqfu or qr-dh-f, Gil'Dq-s fr TS fuqr .TqT, srarfd GTrfuq-cq q++ fttio 13.02.201s o.r f,"i-dr d wq fuq-q{ TS fu-qr^rrqr vq drFrrr at-$ sS t fi GrBo + u-il{rf, d crdrd fu{io 1s.12.2021 .r.r Tc' GTrftq-iq W+cr }&a

¶53

15 Vs.. Rt4sa/zozz

¶54

o1 T$,^gs fiq^3Trnfficel d^{qm qqfq sltlrx er,} frii fi cnnq-fi-rlur d anr^{B=I rN eom} aq^{trfu or} grrdr-{ o<^qrt 41^{prqft-d r-€t fuqr nq1| u-qfr} {s fl-s sTl-ilq-o se{^gxt ca fu{i6^{oo.to.zoto G} 20.02.201s (qi-ffi^q,/z) \q^{(qi-fii q/4) ift-d fut} qd at eld o-fr w € B, fu-d s-ffsrfr t-o am tsT^{ot$ q.r IITkT dri tgo.w fu-fl'rqr t \d 3rn{6} qeT d cffi gc q{t o} nBd frtt^qrt or ot$ cflor'fr TS t r vq^qRfufut t^{sf,s-qrfr t-o ddRI} 3nn<-tn-qur t mq cqd frt}^qri t-g^{Aro sqfu o 4sH ffi^qri tg^{e{drfun of Tg olffi} S{il{T ['i^{TS o'rftt} 24. gc E-q't cRfurfrrq\ i fud^q-o fr oeq ffiq {d^qIflI t of^qarq ffi o-rffi d X@m-o^{qFililfi d ergwn 3IRPrd nro sz,+o,ooo,/-} (q-ffi-fl arq^qrfrq aox) vci t^{qr so,6o,ooo/-} (d-s aru vro rwx) t.qd^3rrtHf, 1ro^{ftutR-o ot} c-trftd at T{ ffi^{o.lffi or ot$ €dvf,i-o} sfio-*q sffiqrfr^{d-o gm r€t fuqr rIqT, fu-g {6} t-sT ds^c-S t,^{frqt sqrtn qFto qRtufuf fi} qqut ffi Hrffi o'r dIE X'f 6-*ro< nqw fuqt qrqr sil-qc{o d t 2s. u.6 cRleTfr fr s-ffiq B^{at Eisrf,} qqfu qf, g-dr gen sr++&^qre B, ftrfr ffi fuo--q t^{oTrilq-qtrgdr frffi srrqr$-q qErer tT€f} 5_q-r+r^{q.g,Tr, fr,t .fi 1fu 3rS ffi} dor d^qer fr fo6-o re^q-{-{ {€l^{fu-qr rrqr t 3larfu se ot eiowr} c-S $il t, dI^{qR 3nil<ortq sfl wrc o\ q-dri n} ga-o t, d vo srrs{ sqq^{o1 .r{} ffi^o-rffi a\ frfu( rud^{gsftqr qnr sfud dq-rI}}

¶55

L6^{gfl. q.} fqg.4sa/zozz

¶56

orq"r +t ffi q++r fufro^,ta.o.r.zozz d e-6rRTo 6-{ri d^qrqro fi sorq-fr tro d gm sridq-6^qer o)^qa oqro (qi-@{ sTR,/e) ftqis zg.or. zozz d^qnqq t T6 fugr rrrr^qT of eTrn{f,.rrr^qrt d oTFdtq^qrRr rz,so,oool-(qr6 6pq^q-4-s 6qn) vqi^qfl or sri s\ sTqlc oql sod t, ererqr qE' UK^{sqrtrrq d} fu^{B-qgK c-Krs tq-o-d} t,^frr{ fl-s-( Gni{fi^qeT of fri t sfl c=r d c-mrcr tt sfu TSI ft-qffi^.r$ t qc^qRfufut t s.rq^qa d Hl or t{TriulWI {e{rn-f, o-{i gq sfl e?Frur fr sprd oTr-tcr frqr^qrcr fi-d d ro i sfuo t r 27. uqB r+mrq^pq $ ffi orffi HtrFr d^qd d^qrqro zfr^qa oEiero d-qq or Efi ts r& w uror, fu-g sf,{qrfr i'o gm srr]Eo^qer ol ffi q++r d c{qrf, ftrd .r} qa (\i@r erx,zs) f4tiq' zs.or.zozz d^qn t rvt gv ss^prd d srpr of ennq-6-rr"r ffi dor^{gxr qqr} of^.r$ vrRr or s qftyra orfrftfi qqr ott vq srrfl wqd zor + qtur + yrTr-r ftqiR-d EqqrqB d qqq uqr ott, sr-n<orrur of s.r+1 qqfu Eqri ot vo crqsr frqr qr+ g.fuo B r 28. zooz d eia-.f-o^qM rz O d cFrErrq d ergwn fr,t Tn urnerTcfi-a 01 E-{-qr$ +t cBqr rS €.ft, d w ro-rq o) em.S.S.fi.t'qe rsss d Gie-.in^qrqtrHd ot rr$ t, +fl ol um rz (z) st$ffi Vre d Giar|d^qrqETrP{f, fu-qr rrqT t, q.i TM rs (zs) em.S.S.fr.grd rgss d tr( qo qrqEilhf, t a eftoqq^qrq of ffi d fr\ +trT q ffid sq- oH^{,ft qrAtt} crftf, or s-oar t, srerqr qrtrd Gil-tcr or^yqrft aq t{ fo-qrqq fu urovuo ft{sr t sfi-f,r

¶57

t7 gfl. g. i{t-1sl/2022

¶58

t, {S gffiT t cre frqrTfln erftq sTrtcr e-il{ fu-qr^qr wr t I

¶59

sffrc aTrtsr

¶60

Brrir^{gcT g[tt} rEf, eeqt,^grw gs a-d d trfirvr fi or-n{r ca of erlr t rqf, q6 3Trnfi sTiRrf, w t ffi gq fiqtT{T{ oTfrc endqr rqrc fu-qr^qror B:-

¶61

(r),d-.r q+lt ftiro or.ro.zore gei sTrfuTs q++ fuiro fi.12.2021, ffi q++ fuiro ro^qc-{fr zozz sls EUi eqrDm c +i t gs ftqq^tt entq-rrrq 01^qrF"ro-r ftEw 01^qrfi t't (z),3il-i<-olrrT sn 2^qr6 d sl-{i sreltf, os.oi.2o23 eo^{ttth'rql gqrf} zq +^qtst +^{q-al yqx} ddr^gxr wn of^.r$ vrRr or s stro vq ffi cfrqrd fiFiffi ddr 6\ eTffi d w^tt g.rorl fut uri tg sorqrfr t.o t wn o-{i at srd w Gisrf, Eqfu d^{qgrr qtqc} oT erqsi frqr^qror t t

¶62

(e),qR eril<oqq ftqfRd qrq-qB os.oi.2o2s dfi^{q-.Drqr qW} z"r,^qro G cqn HFd qd ffi ddr o\ tq s cfrcrf, eTffi^{qRr qqr} ov td t, e-c ffi ddr d wT i ftirfi 2s.02.2022 o1 sqq ol T$ ffi oTffi srrrkr o1^qrfr t, fu-g^qfr onil{o-rrq s-m sTriRrd^{qrqrqfu q} GTr-tRrd^{qrRr qqr} TS o{^qri, aq ft{16 os.or.zozz d^qc_qrf, ffi df,r t Gil-rffi oo fuqtr d ffl^q-orqr sW ffi vrRr^qrw o-q {rsrfr df,r d ceT fr fuo-q crrrq^rD{ qqTq frtt rnri gs qfi-fi 6{ri 01 EriTf,r vf,{qrfr ifo' o\ q-il{ of qrft B r

¶63

18 Vfl.^q. f.st-lreia/zozz

¶64

(+),- qR snileo'rq fuTlRd qrqrqB fr sTriRrd vrRr wu o-q td d, d ffi dor rru^qqr of T$ vtRr zs.or.zo23 n?D eTffi {rRr Htrd ftilrft ddr o) ?IFNI $-{ fr qrq t

¶65

grrr geT oFlql GITFII qq qrq o-it t

¶66

3nArT q-d^qrqrdq fr enq foqio ro.rr.zozz o\ dfuo fu-q r

¶67

z-
1'7-'
.\ .
10
Frqftqrs q--d)
ffi{ orffi, S.erx.O.
q c., w u-frrrrre

¶68

E!-d5i foqier':- 10.11.2022

Smt Padma Nayak v. Bank of India

Case brief

What is this about?

What the court decided

Smt Padma Nayak v. Bank of India

Case brief

What is this about?

What the court decided

A compact analysis

Issues for consideration

Statutes considered

Parties & counsel

Case details

Similar cases

Harish Kumar Banwani versus Punjab National Bank

Ms Ankit Automobiles versus Kotak Mahindra Bank Limited

Union Bank of India versus M/S Deluxe Ice Cream Factory

Indore Colors Organics Ltd. versus Idfc First Bank Ltd.

State Bank of India versus M/S Chemitex (India)

Ritesh Meghani versus Karnataka Bank Limited