Monday, 18 July 2016

Whether notice in case of dishonour of cheque will be invalid if specific amount claimed is not mentioned?

 However, it is seen from the impugned judgment and order
that the learned Magistrate has misdirected himself in reading the
evidence available on record so as to incorrectly find that the notice
(Exh.33) issued by the appellant was invalid.   It is true that in this
notice the appellant has not mentioned the amount of the cheque

either in figures or in words.  What the appellant has mentioned is the
number   of   the   cheque   as   656523,   date   of   the   cheque   being
23/02/1998, name of the Bank on which it was drawn and name of
the Bank to which it was presented for encashment.  Then, it is also
mentioned   in   the   notice   that   the   appellant   was   calling   upon   the
respondents to pay to the appellant within 15 days of receipt of the
notice the “amount of the cheque”.  It is significant to note that in this
notice, except for the amount of the cheque, no other dues or money
have been claimed by the appellant.   The notice clearly shows that
what was ultimately demanded by the appellant from the respondents
was nothing but the amount of the cheque.  So, it would be important
for this Court to examine whether there was any doubt about the
amount of cheque No.656523 dated 23/02/1998 in the mind of the
respondents. 
9. If one goes through the reply of the respondents vide Exh.
39, one would find that respondent No.2 had absolutely no doubt in
his mind about the amount of the cheque and it was of Rs.25,000/­.
Even before dishonour of the cheque, the evidence shows, respondent
No.2   had  admittedly   sent  a   letter   dated   07/3/1998  informing   the
applicant that respondent No.2 had not received the payment of Rs.

25,000/­,   being   the   amount   of   the   cheque.     Thus,   this   evidence
establishes   beyond   reasonable   doubt   that   there   was   absolutely   no
confusion or doubt in the mind of respondent No.2 that the amount of
cheque No.656523 dated 23/02/1998 drawn on Jintur Urban Co­Op.
Bank was of Rs.25,000/­ only.   I must say, at this stage, there is no
dispute about issuance of the cheque and it is nobody's case that there
were other cheques of the same date which were dishonoured.  In fact,
there is also no doubt about the validity of the notice vide Exh.33 with
no challenge having been made to it on this count at any point. This
can be seen from the reply given by respondent No.2 to the notice vide
Exh.33.  Even in the evidence of respondent No.2, no challenge to the
validity of the notice has been made on the ground that the notice
suffered from the vice of vagueness on account of non mentioning of
the amount of the cheque in a specific manner.  All these facts would
together show that the parties had understood as to what was the
amount of the cheque and what was due from the drawer under the
cheque to its payee.  As such, the learned Magistrate could not have
dismissed the complaint by holding, albeit wrongly, that the notice was
invalid. 
10. While   recording   a   wrong   finding   not   based   upon   the

evidence, the learned Magistrate has misinterpreted the judgment of
the Hon'ble Apex Court rendered in the case of Suman Sethi (supra).
In this case the Hon'ble Apex Court has clearly held that it is well
settled principle of law that the notice has to be read as a whole and in
the notice, demand has to be made for “said amount” i.e. cheque
amount and if no such demand is made, it would have to be examined
if the notice is bad or not on this count by considering the language of
the notice.  If, in the notice, a demand has been made not only for the
amount of the cheque but also for the interest and other charges, then
it would be necessary to bifurcate all these amounts by specifying as to
what is due under the cheque and what is due on other counts.  But, if
no such bifurcation is made and an omnibus demand is made inclusive
the amount of the cheque as well as the amount due on account of
interest, damages and other charges, such notice would be invalid in
law.   The learned Magistrate, confused himself in understanding the
law so laid down by the Hon'ble Apex Court and it appears that the
learned Magistrate was swayed away by some of the observations of
the   Hon'ble   Apex   Court,   which   he   reproduced   in   the   impugned
judgment and order by picking them up half heartedly. Therefore, I
find it necessary to reproduce the relevant observations of the Hon'ble
Apex Court as appearing in paragraph­8 of the said judgment in their

entirety and they read as under.:
      “It is well settled principle of law that the notice has
to be read as a whole.  In the notice, demand has to be
made for the “said amount” i.e. cheque amount.  If no
such demand is made the notice no doubt would fall
short of its legal requirement.   Where in addition to
“said amount” there is also a claim by way of interest
cost etc. whether the notice is bad would depend on the
language of the notice.   If in a notice while giving up
break   up   of   the   claim   the   cheque   amount,   interest,
damages, etc. are separately specified, other such claims
for interest, cost etc. would  be superfluous and these
additional   claims   would   be   severable   and   will   not
invalidate   the   notice.     If,   however,   in   the   notice   an
omnibus demand is made without specifying what was
due under the dishonoured cheque, notice might well fail
to meet the legal requirement and may be regarded as
bad. 
11. The above referred observations make it clear that in every
case a notice can not be held to be bad only for failure to specify
therein  the  amount  of  the  cheque  and it  would depend upon  the
language of the notice to come to an appropriate conclusion in the
matter.  I have already considered the evidence brought on record by
both the sides and found that this evidence sufficiently establishes the
fact that the notice was complete in all sense and specific demand was

made for payment of the “amount of the cheque” and that there being
no doubt or confusion or dispute about the amount of the cheque, the
notice conveyed what it ought to have and, therefore, valid in the eye
of law.  
IN THE HIGH COURT OF JUDICATURE AT BOMBAY
NAGPUR BENCH : NAGPUR
CRIMINAL APPEAL NO. 225 OF 2001
Kamal s/o Babulal Sharma

..   Versus ..
 Ramkumar Sagarmal (HUF)

         CORAM :  S. B. SHUKRE, J.
         DATED  :  25th SEPT., 2014.
Citation: 2016 ALLMR(CRI)2652

1.  This   appeal   is   directed   against   the   judgment   and   order
dated 08/6/2001 passed in Summary Criminal Case No.14408 of 1998
by 9th  Judicial Magistrate, First Class, Akola, thereby acquitting the
respondents­accused of the offence punishable under Section 138 of

the Negotiable Instruments Act, 1988 (the N.I. Act, for short).   The
criminal proceedings initiated under Section 138 of the N.I. Act against
the   respondents   related   to   a   cheque   bearing   No.656523   dated
23/2/1998 for Rs.25,000/­   It was issued by respondent No.1 being
the HUF of which respondent No.2 was the manager at the relevant
time.  It was signed by respondent No.2 as the manager of respondent
No.1­HUF.  According to the appellant, the cheque was issued towards
the satisfaction of  legally enfoceable liability.  It was the case of the
appellant that the appellant had given an amount of Rs.25,000/­ by
way of a hand loan  and the repayment thereof was to be made by a
cheque.   Therefore, a post­dated cheque came to be issued by the
respondents in favour of the appellant.  The cheque was drawn on The
Jintur Urban Co­Operative Bank Ltd., Akola.   When the cheque was
presented on 20/3/1998 to the Bank of the appellant, The Akola Janta
Comm.   Co­Op.   Bank   Ltd.,   Akola   on   20/3/1998,   it   could   not   be
honoured   and   was   returned   on   21/3/1998   on   the   ground   that
'payment stopped by the drawer'. 
2. Upon return of the cheque by the Bank of the appellant, the
appellant issued notice within the stipulated period of time to the
respondents   calling   upon   them   to   make   payment   of   the   cheque

amount.  The respondents replied the notice.  While the respondents
did not deny issuance of the cheque, they took a stand that first cheque
was issued by the respondents on the assurance given by the appellant
that amount of the cheque would be sent later on by the appellant.  It
was submitted that thereafter the appellant never sent the amount of
the cheque and, therefore, they sent a letter to the appellant requesting
him to send the amount of the cheque, but in vain.  According to the
respondents, the cheque came to be issued without incurring of any
liability  by them and, therefore, there  was no question  of making
payment of the cheque amount.
3. The proceedings under Section 138 of the N.I. Act, upon
denial of the liability by the respondents, came to be initiated and the
respondents were prosecuted for an offence relating to dishonour of
the cheque.  After considering the evidence on record and hearing the
arguments of both sides, the learned Magistrate found that the cheque
in question was issued towards discharge of legally enfoceable liability
by   the   respondents   and   that   the   respondents   could   not   rebut   the
presumption raised in law in this regard as per Section 139 of the N.I.
Act.  Even then, the trial Court did not find the respondents as guilty of
the offence with which they were charged and the reason therefor was

that the notice issued by the appellant demanding payment of the
amount   of   the   cheque   was   invalid.   According   to   the   learned
Magistrate, this notice did not specify the amount of the cheque in any
manner.  Thus, the respondents were given acquittal by the judgment
and order dated 08/6/2001.  It is the same judgment and order, which
are under challenge in the present appeal.
4. This appeal is on Board of final hearing for quite some time.
The  roznama  shows   that   even   though   the   respondents   were   duly
served with notice and are also represented by their Advocate, nobody
has appeared on behalf of the respondents. The appeal is of the year
2001 and over ripe for final hearing.   The requirement of Section 386
Cri. P. C. is that in an appeal filed  under Section 377 or 378 of Code
of Criminal Procedure, the accused should be heard only if he appears
and if he does not appear in spite of being duly served, the appeal has
to be decided on merits, but subject to the condition that it should be
done after perusing the record.   The law only expects the appellate
Court to dispose of the appeal on merits after perusal and scrutinising
of the record and the requirement of hearing of the appellant or the
accused comes into play only if they appear or any of them appears.
The law in this regard has been settled by the Hon'ble Apex Court in

the case of Bani Singh & others Vs. State of U. P. ­ (1996) 4 SCC 720,
to which a useful reference may be made.
5. In these circumstances, I have heard Shri Panpalia, learned
Counsel for the appellant.  I have carefully gone through the impugned
judgment and order and also perused the record of the case.
6. Shri Panpalia, submitted that in this case there were no
other cheques involved so as to create a doubt about the amount of the
cheque.  He further submits, the evidence on record would show that
respondent   No.2   has   admitted   the   fact   that   he   was   aware   of   the
amount of the cheque and it was of Rs.25,000/­.  In the notice issued
by the appellant vide Exh.33 what was demanded was the amount of
the cheque after mentioning the cheque number and also the date of
the cheque and that in the reply given to the notice (Exh.39), the
respondent nowhere disputed the validity of the notice on the ground
that it is vague and does not specify the amount of the cheque, so
submits the learned Counsel.   He further submits that the learned
Magistrate has misinterpreted the ratio of the case of Suman Sethi Vs.
Ajay   K.   Churiwal   &   another  –  AIR   2000   SC   828  and   wrongly
concluded that the notice was invalid and, therefore, the complaint

was not maintainable.  
7. Insofar as the aspect of the rebuttal of presumption under
Section   139   of   the   N.I.   Act   is   concerned,   there   is   absolutely   no
evidence brought on record by the respondents to enable the Court to
uphold the contention that this presumption has been  rebutted by the
respondents.     A bald statement has been made in defence that the
cheque   in   question   was   issued   by   respondent   No.2   on   behalf   of
respondent No.1 as it was promised by the appellant that amount of
the cheque would be sent by him to respondent No.2.  No evidence nor
any material has been brought on record to probablise this defence.
Therefore, the finding recorded by the learned Magistrate that the
presumption   under   Section   139   has   not   been   rebutted   by   the
respondents has to be upheld as legal and correct leaving no scope for
interference with it.
8. However, it is seen from the impugned judgment and order
that the learned Magistrate has misdirected himself in reading the
evidence available on record so as to incorrectly find that the notice
(Exh.33) issued by the appellant was invalid.   It is true that in this
notice the appellant has not mentioned the amount of the cheque

either in figures or in words.  What the appellant has mentioned is the
number   of   the   cheque   as   656523,   date   of   the   cheque   being
23/02/1998, name of the Bank on which it was drawn and name of
the Bank to which it was presented for encashment.  Then, it is also
mentioned   in   the   notice   that   the   appellant   was   calling   upon   the
respondents to pay to the appellant within 15 days of receipt of the
notice the “amount of the cheque”.  It is significant to note that in this
notice, except for the amount of the cheque, no other dues or money
have been claimed by the appellant.   The notice clearly shows that
what was ultimately demanded by the appellant from the respondents
was nothing but the amount of the cheque.  So, it would be important
for this Court to examine whether there was any doubt about the
amount of cheque No.656523 dated 23/02/1998 in the mind of the
respondents. 
9. If one goes through the reply of the respondents vide Exh.
39, one would find that respondent No.2 had absolutely no doubt in
his mind about the amount of the cheque and it was of Rs.25,000/­.
Even before dishonour of the cheque, the evidence shows, respondent
No.2   had  admittedly   sent  a   letter   dated   07/3/1998  informing   the
applicant that respondent No.2 had not received the payment of Rs.

25,000/­,   being   the   amount   of   the   cheque.     Thus,   this   evidence
establishes   beyond   reasonable   doubt   that   there   was   absolutely   no
confusion or doubt in the mind of respondent No.2 that the amount of
cheque No.656523 dated 23/02/1998 drawn on Jintur Urban Co­Op.
Bank was of Rs.25,000/­ only.   I must say, at this stage, there is no
dispute about issuance of the cheque and it is nobody's case that there
were other cheques of the same date which were dishonoured.  In fact,
there is also no doubt about the validity of the notice vide Exh.33 with
no challenge having been made to it on this count at any point. This
can be seen from the reply given by respondent No.2 to the notice vide
Exh.33.  Even in the evidence of respondent No.2, no challenge to the
validity of the notice has been made on the ground that the notice
suffered from the vice of vagueness on account of non mentioning of
the amount of the cheque in a specific manner.  All these facts would
together show that the parties had understood as to what was the
amount of the cheque and what was due from the drawer under the
cheque to its payee.  As such, the learned Magistrate could not have
dismissed the complaint by holding, albeit wrongly, that the notice was
invalid. 
10. While   recording   a   wrong   finding   not   based   upon   the

evidence, the learned Magistrate has misinterpreted the judgment of
the Hon'ble Apex Court rendered in the case of Suman Sethi (supra).
In this case the Hon'ble Apex Court has clearly held that it is well
settled principle of law that the notice has to be read as a whole and in
the notice, demand has to be made for “said amount” i.e. cheque
amount and if no such demand is made, it would have to be examined
if the notice is bad or not on this count by considering the language of
the notice.  If, in the notice, a demand has been made not only for the
amount of the cheque but also for the interest and other charges, then
it would be necessary to bifurcate all these amounts by specifying as to
what is due under the cheque and what is due on other counts.  But, if
no such bifurcation is made and an omnibus demand is made inclusive
the amount of the cheque as well as the amount due on account of
interest, damages and other charges, such notice would be invalid in
law.   The learned Magistrate, confused himself in understanding the
law so laid down by the Hon'ble Apex Court and it appears that the
learned Magistrate was swayed away by some of the observations of
the   Hon'ble   Apex   Court,   which   he   reproduced   in   the   impugned
judgment and order by picking them up half heartedly. Therefore, I
find it necessary to reproduce the relevant observations of the Hon'ble
Apex Court as appearing in paragraph­8 of the said judgment in their

entirety and they read as under.:
      “It is well settled principle of law that the notice has
to be read as a whole.  In the notice, demand has to be
made for the “said amount” i.e. cheque amount.  If no
such demand is made the notice no doubt would fall
short of its legal requirement.   Where in addition to
“said amount” there is also a claim by way of interest
cost etc. whether the notice is bad would depend on the
language of the notice.   If in a notice while giving up
break   up   of   the   claim   the   cheque   amount,   interest,
damages, etc. are separately specified, other such claims
for interest, cost etc. would  be superfluous and these
additional   claims   would   be   severable   and   will   not
invalidate   the   notice.     If,   however,   in   the   notice   an
omnibus demand is made without specifying what was
due under the dishonoured cheque, notice might well fail
to meet the legal requirement and may be regarded as
bad. 
11. The above referred observations make it clear that in every
case a notice can not be held to be bad only for failure to specify
therein  the  amount  of  the  cheque  and it  would depend upon  the
language of the notice to come to an appropriate conclusion in the
matter.  I have already considered the evidence brought on record by
both the sides and found that this evidence sufficiently establishes the
fact that the notice was complete in all sense and specific demand was

made for payment of the “amount of the cheque” and that there being
no doubt or confusion or dispute about the amount of the cheque, the
notice conveyed what it ought to have and, therefore, valid in the eye
of law.  
12. In these circumstances, I find that the learned Magistrate
has committed a serious error of fact and law in recording a verdict of
acquittal of the respondents for the offence punishable under Section
138 of the N. I. Act and I find that the  appellant has proved beyond
reasonable doubt his case against the respondents.   As a sequel, the
verdict of acquittal is quashed and set aside and I find that respondents
are guilty of the offence punishable under Section 138 of the N. I. Act
and  respondent   No.2  being   the   manager   of   respondent   No.1­HUF,
would be liable to be receive the sentence. 
13. At this stage, I have heard learned Counsel for the appellant
on the question of sentence. Respondent No.2 is not available as he has
not chosen to appear before the Court. 
14. In the case of Kumar Exports Vs. Sharma Carpets ­ 2009 (4)
Mh. L. J. 23, the Hon'ble Apex Court has held that once the appellate

Court , after hearing an appeal against acquittal, records conviction,
the powers enumerated in Section 386(a) of the Code of Criminal
Procedure, 1973 do not contemplate that appellate Court can remit the
matter to the trial Court for passing appropriate order of sentence.
The Hon'ble Supreme Court further observed that the judicial function
of   imposing   appropriate   sentence   must   be   performed   only   by   the
appellate Court on reversing the order of the acquittal and not by any
other Court or otherwise, it is an abdication of its power in favour of
the trial Court.  In view of this law, I have heard the learned Counsel
for the appellant on the point of the sentence.
15. Learned Counsel for the appellant submitted that at the
time when the cheque was dishonoured and liability under Section 138
of the N. I. Act arose, the maximum punishment prescribed for the
offence under Section 138 was of only one year and in this case, since
the   cheque   was   issued   towards   discharge   of   commercial   liability,
maximum   punishment   as   prescribed   by   law   needs   to   be   imposed,
keeping in view the object of Chapter XVII of the N. I. Act, 1881
inserted by the Banking Public Financial Institutions and Negotiable
Instruments   Laws   (Amendment)   Act,   1988.     He   also   submits   that
adequate compensation to the extent of Rs. 1 lac needs to be awarded

in this case. 
16. In the case of   Suganthi Suresh Kumar Vs. Jagdeeshan  –
(2002) 2 SCC 420, the Hon'ble Apex Court after analysing various
judgments of the Supreme Court held that having regard to the object
of fastening of criminal liability for dishonour of cheque by inserting
Chapter­XVII in the Negotiable Instruments Act, 1881, there was need
for making liberal use of the provision of awarding of compensation as
contained under Section 357(3) of Cri. P. C.   The Hon'ble Apex Court
considered   its   own   judgments   rendered   earlier   in   the   case   of
K. Bhaskaran Vs. Sankaran Vaidhyan Balan – (1999) 7 SCC 510 and
Harisingh   Vs.   Sukhbir   Singh  –   (1988)   4   SCC   551.   It   referred   to
Bhaskaran's case wherein it is observed that if a Judicial Magistrate of
the   First   Class   was   to   order   compensation   to   be   paid   to   the
complainant from out of the fine realised, the complainant will be the
loser when the cheque amount exceeded the said limit of the Judicial
Magistrate to impose fine.   It is further noted therein that in such a
case, a complainant would get only the maximum amount of rupees
five thousand and therefore, a way out to alleviate the grievance of the
complainant would have to be found and it would be by making resort
to Section 357 (3) Cri. P. C.   The Hon'ble Apex Court was also in

agreement   with   the   law   laid   down   in   the   case   of  Hari   Singh   Vs.
Sukhbir Singh wherein it was held that the quantum of compensation
may be determined by taking into account the nature of crime, the
justness of the claim by the victim and the ability of accused to pay.  It
was also laid down therein that the sentence of imprisonment can be
imposed in case of any default in payment of compensation ordered by
the Court under Section 357 (3) Cri. P. C.  
17. Even in the case of R. Vijayan Vs. Baby & another – 2012
(2) Mh. L. J. 584,   the Hon'ble Apex Court has held that when a
sentence of fine forms a part of the sentence of imprisonment, the
Court   can   direct   a   portion   of   the   fine   amount   to   be   paid   as
compensation   for   any   loss   or   injury   caused   by   the   offence   or   for
defraying the expenses properly incurred by the prosecution.   Such
compensation from out of the fine amount can be imposed by taking
resort to the provision of Section 357 (1) of the Code.  However, when
the sentence imposed does not include fine or where the sentence
relates to only imprisonment, the  Court would have  the power  to
direct the accused to pay, by way of compensation, such amount as
may be specified in the order to a person who has suffered loss or
injury as per the provision of Sub­Section (3) of Section 357 of the

Code.     The   Hon'ble   Apex   Court   has   also   made   it   clear   that   the
compensation can be directed to be paid either under Section 357 (1)
or Section 357 (3) of the Code but not under both the Sections as
these two Sections do not co­exist.
18. From the above discussion, it wold be clear that the Court
has power to impose compensation and the Hon'ble Apex Court has led
emphasis upon  liberal use of the provision of Section 357 (3) of the
Code   in   order   to   suitably   compensate   the   complainant   who   has
suffered   loss   on   account   of   dishonour   of   the   cheque.     The   only
conditions   subject   to   which   the   powers   under   Sub­Section   (3)   of
Section   357   of   the   Code   should   be   exercised   are   is   that   the
compensation should be just and that fine should not form part of the
sentence or the sentence imposed should only be of imprisonment.
19. Having considered the law governing the field of awarding
compensation together with sentence of imprisonment under Section
138  of   the  N. I.  Act,  now, it  would  be  necessary to  examine   the
question   as   to   what   should   be   the   sentence   and   quantum   of
compensation, which could be termed as adequate, just and proper so
as to meet the ends of justice.  

20. The accused, i.e. respondent No.2, is a businessman, who
had   issued   the   cheque   in   question   towards   satisfaction   of   legally
enforceable liability and the liability was commercial in nature.  The
object of Section 138 of the N. I. Act is to enhance the creditability of
the   cheque   and   facilitate   its   acceptability   as   an   instrument   for
completion of economic transactions.  Therefore, I am of the view that
the sentence to be imposed must be of such a nature as would achieve
the object of Section 138 of the N. I. Act and also achieve the purposes
of punishment for economic offences namely deterrence, exemplifying
that crime does not pay and restitution. Viewed in this way, I am of the
opinion that a simple imprisonment of six months would meet the ends
of justice.  In addition, the quantum of compensation to be awarded
could be Rs.75,000/­, having regard to the fact that the cheque was
dishonoured   in   March.   1988   and   during   the   pendency   of   the
proceedings   before   the   learned   Magistrate   and   thereafter   till   date,
respondent No.2 has not paid the amount of the cheque.  
21.   Accordingly,   the   appeal   is   allowed   and   the   impugned
judgment and order are hereby quashed and set aside. 
   The respondents are convicted of the offence punishable
under Section 138 of the Negotiable Instruments Act, 1881

and   respondent   No.2­   Sureshkumar   Sagarmal   Nevtia   is
sentenced to suffer Simple Imprisonment for six months.
   Respondent No.2 is further directed to pay compensation
of Rs.75,000/­ (rupees seventy­five thousand only) under
Section 357(3) of the Code of Criminal Procedure, 1973,
out of  which  an  amount of  Rs.70,000/­  (rupees seventy
thousand   only)   shall   be   paid   to   the   appellant   and   an
amount of Rs.5,000/­ (rupees five thousand only) shall be
credited to the account of District Legal Services Authority,
Akola, within a period of three months from the date of the
order.
      In case, there is default in payment of the amount of
compensation   within   the  stipulated  period,  it  is  directed
that   respondent   No.2   shall   undergo   further   Simple
Imprisonment for a period of three months.
    The bail bonds of respondent No.2 are cancelled and he
be placed under arrest forthwith by the concerned police
station   and   be   committed   to   Jail   for   undergoing   the
sentence.
     Action under Section 388 Cr. P. C. be taken. 
                                                                                    JUDGE

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