K.B. Girish vs Sujatha Gopal on 1 July, 2025

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Bangalore District Court

K.B. Girish vs Sujatha Gopal on 1 July, 2025

                                             CC.No.20739/2022



KABC030525202022




                           Presented on : 29-06-2022
                           Registered on : 29-06-2022
                           Decided on     : 01-07-2025
                   Duration : 3 years, 0 months, 2 days

      IN THE COURT OF THE XVI ADDITIONAL CHIEF
          JUDICIAL MAGISTRATE, BENGALURU CITY

            Dated: This the 1st day of July 2025

          Present: Smt.Tejaswini K.M., B.A.L. LL.M,
                    XVI Addl.C.J.M., Bengaluru City.

                      CC. No.20739/2022

          Mr.K.B.Girish
          Aged about 48 years
          S/o Late. Byra Shetty
          R/at No.20/2, 3rd Main, 10th Stage,
          BEML Layout, Opp. Amma's Pasty,
          Srinivasapura Cross,
          Rajarajeshwari Nagar,
          Bengaluru - 560098.

                                  ....Complainant

           (By Sri N.Krishna Murthy., Advocate)

                           Versus
                      2                         C.C.20739/2022




          Smt.Sujatha Gopal
          W/o Late Gopal
          Balaji Departmental Store,
          No.2138, 38th C Cross,
          Jayanagar 9th Block,
          Bengaluru - 560041.

          And R/at No.1169, 35th 'B' Cross,
          4th 'T' Block, Vishnuvardhan House Road,
          Jayanagar 'T' Block,
          Bengaluru - 560041.


                                       .... Accused

          (By Sri N.Manohar., Advocate)

Offence complained :        U/Sec.138 of Negotiable
                            Instrument Act.


Date of commencement
of evidence                     : 27.06.2022

Date of closing evidence        : 27.09.2024

Opinion of the Judge            : Accused found guilty

Offence complained              : U/Sec.138 of Negotiable
                                  Instrument Act.

Opinion of the Judge       : Accused found guilty
                      3                        C.C.20739/2022


                         JUDGMENT

This case is registered against the accused for the

offence punishable U/s 138 of Negotiable Instruments

Act.

2. Factual matrix of the complainant’s case is as

under:

The complainant is acquainted with the accused and

the accused was running departmental store in the name

and style as ‘Balaji Departmental Store’. To clear all the

petty loans, the accused sought hand loan of Rs.1,80,000/-

to the complainant in the month of February 2021. The

complainant had Rs.30,000/- in hand at home and he has

withdrawn a sum of Rs.1,50,000/- from his bank account

and given Rs.1,80,000/- by way of cash to the accused on

12.02.2021. The accused has agreed to repay it within 6

months, but due to pandemic, she could not pay the
4 C.C.20739/2022

amount. On 13.02.2022 the accused has called the

complainant and give cheque bearing No.000122 dated

13.02.2022 for Rs.1,80,000/-, drawn on Karur Vysya Bank,

Jayanagar Branch, Bengaluru, in discharge of loan. The

complainant presented the cheque before the bank. But

the said cheque got dishonoured for ‘Refer to Drawer’

vide memo dated 15.01.2022. The complainant got issued

legal notice on 11.02.2022 demanding the accused to

make payment amount within 15 days from the date of

service of notice and it was received by the accused on

17.02.2022. However, the accused has not repaid the

amount. Hence the complainant has constrained to file

the present complaint.

3. After receiving the complaint, this court has

meticulously gone through the documents and affidavit

filed along with it and then took cognizance of the offence
5 C.C.20739/2022

punishable U/sec.138 of Negotiable Instruments Act and

ordered for registration of the compliant as P.C.R.

4. Sworn statement of the complainant was

recorded and marked 14 documents as Ex.P-1 to P-14. As

there were sufficient materials to constitute the offence,

this court has proceeded to pass an order for issuing

process against the accused.

5. In pursuance of summons, accused has appeared

through her counsel and applied for bail. She was

enlarged on bail. Then the substance of accusation was

read over to the accused in the language known to her,

for which she pleaded not guilty.

6. As per the direction of Hon’ble supreme court in

“Indian Bank Association V/s Union of India and others

reported in (2014)(5) SCC 590, this court treated the

sworn statement of the complainant as complainant
6 C.C.20739/2022

evidence and posted matter for cross-examination of

PW.1. The counsel for the accused has fully cross-

examined PW.1. Thereafter the complainant closed his

side of evidence.

7. The statement of accused as contemplated under

the provisions of Section 313 of Cr.P.C has been recorded

vide dated 06.01.2024 and the incriminating evidence as

such forthcoming against the accused in the evidence of

PW.1 and the documents has been read over and

explained to the accused in the language known to her.

She denied all incriminating evidence.

8. In order to substantiate her defense, the accused

got herself examined as DW.1. DW.1 was subjected for

cross-examination by the learned counsel for the

complainant.

7 C.C.20739/2022

9. Learned Counsel for both sides have not

addressed arguments on merits. I have perused the oral

and the documentary evidence placed on record.

10. Points that arise for my consideration are as

under:

1. Whether the complainant proves that the
accused towards discharge of her liability

issued a cheque bearing No.000122 dated

13.01.2022 for Rs.1,80,000/-, drawn on The

Karur Vysya Bank, Jayanagar Branch,

Bengaluru in favour of complainant, on

presentation of the same for encashment, it

was dishonored for “Refer to Drawer” in the

account maintained by the accused, then in-

spite of issuing demand notice to the

Accused and in complying with statutory

requirement under Negotiable Instrument

Act, Accused did not repay the cheque

amount, thereby she has committed an

offence punishable U/s 138 of Negotiable

Instruments Act?

8 C.C.20739/2022

2. What Order?

11. My Answer to above points are as under:-

            Point No.I     :- In the Affirmative,
            Point No.II    :- As per the final order for
                              the following....

                        REASONS

12. POINT NO.I:- In nutshell case of the complainant

is that he has lent loan of Rs.1,80,000/- to the accused on

12.02.2021 and in repayment of the said amount the

accused has issued cheque in question. But it got

dishonoured for the reason ‘Refer to Drawer’. Despite of

giving notice, the accused has not repaid the amount.

Hence the present complaint.

13. To substantiate his case the complainant

stepped into witness box and got examined as PW.1. He

has got marked Ex.P1 to P14. He has produced the

cheque issued by accused and the same is marked as
9 C.C.20739/2022

Ex.P-1, the signature of the accused is marked as Ex.P-

1(a), copies of bank memos are marked as Ex.P-2 & P3,

copies of bank challans are mared as Ex.P-4 & P-5, copy of

demand notice dated:11.02.2022 is marked as Ex.P-6,

copies of postal receipts are marked as Ex.P-7 & 8, copy of

the postal acknowledgment is marked as Ex.P-9, copy of

returned notice is marked as Ex.P-10, postal cover is

marked as Ex.P-11, copy of postal receipt is marked as

Ex.P-12, copy of postal acknowledgment is marked as

Ex.P-13 and complaint is marked as Ex.P-14.

14. Defense of the accused is as follows:

She does not know the complainant and she has not

received any money from the complainant. She had

invested for chit fund with Smt.Usha in the year 2018 and

it was closed in the year 2020, that time the cheque was

given to Smt.Usha for security purpose. After completion

of the chit, the accused sought Smt.Usha to return the
10 C.C.20739/2022

cheque, but she has not returned it. As such the accused

has given complaint in the Chennammanakere Achukattu

police station in the year 2020, but Usha told she lost her

cheque. That cheque has been misused and filed this

case. She has not received any demand notice from the

complainant. Hence, on these grounds accused prays

acquit her from this case.

15. Negotiable Instruments Act provides for some

presumption in favour of the complainant i.e., Section 118

reads as here: – “That every negotiable instrument was

made or drawn for consideration and that every such

instrument when it has been accepted, endorsed,

negotiated or transferred was accepted, endorsed,

negotiated or transferred for consideration”.

16. Further Sec 139 of the Negotiable Instruments

Act provides for presumption in favour of a holder. It

reads as here: – “It shall be presumed, unless the contrary
11 C.C.20739/2022

is proved, that the holder of a cheque received the

cheque, of the nature referred to in sec 138, for the

discharge, in whole or in part, or any debt or other

liability.”

17. Combined reading of above said sections raises

a presumption in favour of the holder of the cheque that

he has received the same for discharge in whole or in part

of any debt or other liability. However, it is settled

principle of law that the presumption available u/s 139 NI

Act can be rebutted by the accused by raising a probable

defense.

18. The complainant has reiterated the contents of

complaint in his chief-examination. During cross-

examination by the counsel for the accused he has

deposed that he is doing cable operating work from past

26 years and he has income of Rs.2 to 3 lakhs month. He

pays Rs.12,500/- for the rent of his shop and he can save
12 C.C.20739/2022

around Rs.70,000/- per month, after deducting all his

expenses. He knows the accused from the year 1996-1997

as she was residing in the same road in a rented house.

He has paid Rs.1,80,000/- on 15.02.2021, he has taken

gold loan and arranged Rs.1,50,000/- and along with, he

had Rs.30,000/-, intotal the said amount of Rs.1,80,000/-

was given to the accused. He deposed that he has not got

executed any document from the accused while giving the

loan. He has deposed that the accused herself has filled

the cheque and given to him. Since the accused sought

loan amount by way of cash, he has given it by way of

cash. He does not know who signed to Ex.P9 postal

acknowledgment. He admits that there is a difference in

the signature at Ex.P1 cheque and Ex.P9 postal

acknowledgment. He denied that the accused has not

received the notice. He deposed he met the accused in
13 C.C.20739/2022

her Balaji Departmental Store. He denied the suggestion

that accused does not run any departmental store.

19. PW1 denied the suggestion of the counsel for

the accused that he has not given loan to the accused. He

admits he knows one Smt.Usha who is police and her

husband name is Kumar. He denied the suggestion of the

counsel for the accused that Smt.Usha was running chit

business. He denied the suggestion of the counsel for the

accused that the accused had invested money with

Smt.Usha in the said chit fund. He denied the suggestion

of the counsel for the accused that in the said transaction

accused had given cheque in question towards security to

Smt.Usha and same is misused by him and false case is

filed by him. The remaining suggestions of the counsel

for the accused are denied by him.

20. Percontra, the accused stepped into witness box

and got examined as DW.1. She has deposed that her
14 C.C.20739/2022

correct address is No.342, 3rd Block, Jayanagar, Bengaluru.

She does not know the complainant and she has not

received any money from the complainant. She had

invested for chit fund with Smt.Usha in the year 2018 and

it was closed in the year 2020 that time the cheque was

given to Smt.Usha for security purpose. After completion

of the chit, the accused sought Smt.Usha to return the

cheque, but she has not returned it. As such the accused

has given complaint in the Chennammanakere Achukattu

police station in the year 2020, but Smt.Usha told she lost

her cheque. That cheque has been misused by the

complainant and filed this case. She has not received any

demand notice from the complainant.

21. During cross-examination by the counsel for the

complainant, DW1 has deposed that she does not know

the complainant. When it is suggested that between 1997

to 1998 she was residing in Srinivasanagar, Yellamma
15 C.C.20739/2022

Temple, Banashankari 3rd Stage, Bengaluru, she has

answered about 23 years back, she has changed the said

address. Further it is suggested by the counsel for the

complainant that she was residing in the house of lottery

Shivanna which is 3 roads away from the first address, she

answered aforesaid mentioned address is lottery

Shivanna’s house address and she has changed the said

address. She denied the suggestion of the counsel for the

complainant that she was running Balaji Departmental

Store in Jayanagar. She denied the suggestion of the

counsel for the complainant that she sought loan of

Rs.1,80,000/- from the complainant and received it on

12.02.2021 agreeing to repay it within 6 months.

22. DW1 admits that cheque belongs to her account

and it bears her signature. She admits she has an account

in Karur Vysya Bank, Jayanagar, Bengaluru. She deposed

that she does not know that the cheque has got
16 C.C.20739/2022

dishonoured, twice. She denied the suggestion of the

counsel for the complainant that complainant has given

the notice to her shop address. She denied that she has

refused to take notice. She denied that she owes cheque

amount to the complainant.

23. I have meticulously gone through the complaint

and evidence placed on record. Both counsel have not

addressed the arguments on merits. At the outset the

accused during cross-examination has unequivocally

admitted that cheque belongs to her account and it bears

her signature. The Honorable Supreme Court of India in

Triyambak S Hegde v Sripad” (2022) 1 SCC 742 while

relying upon the the constitution bench judgment of

Basalingappa v Mudibasappa (2019) 5 SCC 418, under

para 14 of its judgment reiterated that

“once the cheque was issued and that the
signatures are upon the cheque are accepted by
17 C.C.20739/2022

the accused, the presumptions undee Sec 118
and 139 of the NI Act arise against the accused.
That is, unless the contrary is proved, it shall be
presumed that the cheques in question were
drawn by the accused for a consideration and
that the complainant had received the cheque in
question in discharge of debt/liability from the
accused.”

24. Therefore, as per Sec.118 and 139 of NI Act initial

presumption has to drawn infavour of the complainant

that cheque was issued in discharge of legally enforceable

debt. The burden lies on the accused to rebut the said

initial presumption on the scale of preponderance of

probabilities.

25. The complainant has deposed that he has given

Rs.1,80,000/- by way of cash to the accused. He has

pleaded and also deposed that he had Rs.30,000/- with

him and remaining Rs.1,50,000/- has withdrawn from the

account and same was given to the accused. He has
18 C.C.20739/2022

deposed that he had income of Rs.2 to 3 lakhs per month.

However no document is produced by the complainant to

prove the same. But there is an initial presumption

regarding passing of consideration U/Sec.118 of NI Act,

therefore this Court has to presume that the complainant

has paid Rs.1,80,000/- to the accused until the accused

rebuts it on the scale of preponderance of probabilities.

26. The defense of the accused is that she had

invested for chit fund with one Smt.Usha and during that

time, she had given cheque in question towards security

to Smt.Usha and that cheque has been misused by the

complainant and false case is filed. Since the initial burden

is on the accused to rebut the initial presumption drawn

in favour of the complainant, the accused shall establish

chit transaction before the Court to believe her defense.

She has deposed that the chit was commenced in the year

2018 and it was closed in the year 2020 and she has
19 C.C.20739/2022

received Rs.2 lakhs from the said chit. Firstly to prove that

she has invested money with Smt.Usha for chit

transaction , no proof is produced. Secondly, to prove that

she had received Rs.2 lakhs from the chit transaction also

no proof is produced. Thirdly, there is no proof to believe

that the cheque in question was given to Smt.Usha as

security. This witness Smt.Usha is also not examined

before the court.

27. The accused herself has deposed that said chit

was closed in the year 2020 itself. Instant complaint is

filed on 09.03.2022. Therefore, the accused had 2 years

time to recover her cheque from Smt.Usha, if at all she

had given it for security in chit transaction. In chief-

examination accused has deposed that she had given

police complaint against Smt.Usha in the year 2020 itself.

However copy of the complaint is not produced before the

Court for the reasons best known to her. Even she has not
20 C.C.20739/2022

examined Smt.Usha before this Court. None of the chit

members are examined before this Court to establish her

defense. No iota of evidence brought on record to

establish this chit transaction with Smt.Usha. Based on

self interested testimony of accused, such defense cannot

be accepted for want of evidence.

28. If at all Smt.Usha has refused to return the

cheque she could have issued ‘stop payment instructions’

to her banker or she could have given legal notice to her

seeking return of the cheque or she could have lodged

police complaint or the private complaint before the

Court. Despite of having sufficient time of 2 years, till the

date of filing this case, accused has not at all made any

such endeavor to recover her cheque. Under such

circumstances, such imprudent conduct of the accused

makes defense untrustworthy.

21 C.C.20739/2022

29. In the present case complainant has presented

the cheque twice to the bank as per Ex.P2 & P3 on

14.01.2022 and 05.02.2022. The accused admits that she

maintained account in the Karur Vysya Bank, Jayangar,

Bengaluru. Then she must have received message from

the bank when the cheque was presented by the

complainant. Atleast at that stage accused could have

been get herself alert and she had all opportunity to resist

the act of the complainant. However, she had not taken

any action against the complainant.

30. Further complainant has given legal notice as

per Ex.P6 through RPAD and it was served as per Ex.P9.

The complainant has given notice to the 2 addresses of

the accused. Notice at Ex.P10 has been returned as ‘no

such person’. During cross-examination of PW.1, the

accused has disputed her address shown in the legal

notice, but PW.1 has denied it. Except her statement in
22 C.C.20739/2022

the evidence, no evidence has been produced to prove

her correct address. She could have produced her current

residential address proof to disprove that the notice is

given to the wrong address. However, the accused has

not made such endeavor also. Therefore, this Court

declines to accept that the notice is not served on her.

31. Therefore, as per Sec.27 of General Clauses Act

the notice is deemed to be served. K. Bhaskaran vs

Sankaran Vaidhyan Balan And Anr reported in AIR 1999

SUPREME COURT 3762, Apex court held that

“No doubt Sec 138 of the Act does not require
that the notice should be given only by `post’.
Nonetheless the principle incorporated in Sec 27
(quoted above) can profitably be imported in a case
where the sender has despatched the notice by post
with the correct address written on it. Then it can be
deemed to have been served on the sendee unless
he proves that it was not really served and that he
was not responsible for such non-service. Any other
interpretation can lead to a very tenuous position as
the drawer of the cheque who is liable to pay the
23 C.C.20739/2022

amount would resort to the strategy of subterfuge
by successfully avoiding the notice. “

32. In C.C. Alavi Haji vs Palapetty Muhammed & Anr

(2007) 6 SCC 555, the Hon’ble Apex court has held; “

17. It is also to be borne in mind that the requirement
of giving of notice is a clear departure from the rule of
Criminal Law, where there is no stipulation of giving of a
notice before filing a complaint. Any drawer who claims that
he did not receive the notice sent by post, can, within 15
days of receipt of summons from the court in respect of the
complaint under Sec 138 the Act, make payment of the
cheque amount and submit to the Court that he had made
payment within 15 days of receipt of summons (by receiving
a copy of complaint with the summons) and, therefore, the
complaint is liable to be rejected. A person who does not
pay within 15 days of receipt of the summons from the
Court along with the copy of the complaint under Sec 138 of
the Act, cannot obviously contend that there was no proper
service of notice as under Sec 138 , by ignoring statutory
presumption to the contrary under Sec 27 of the G.C. Act
and Sec 114 of the Evidence Act. In our view, any other
interpretation of the proviso would defeat the very object of
the legislation… ”

33. Therefore, such defense of the accused that

notice is not served holds no water. Not responding to

notice by way of giving reply is also fatal to the defence.
24 C.C.20739/2022

34. The difference in the inks used to fill up details in

cheque and to affix the signature is also noway helpful to

the accused to establish her defense. Recently in (2019) 4

SCC 197) ie Bir Singh V Mukesh Kumar, Apex court has

held that

“A meaningful reading of the provisions of the

Negotiable Instruments Act including, in particular,

Sections 20, 87 and 139, makes it amply clear that a

person who signs a cheque and makes it over to the

payee remains liable unless he adduces evidence to

rebut the presumption that the cheque had been

issued for payment of a debt or in discharge of a

liability. It is immaterial that the cheque may have

been filled in by any person other than the drawer, if

the cheque is duly signed by the drawer. If the

cheque is otherwise valid, the penal provisions of

Section 138 would be attracted”.

35. Though there is a difference in the ink used to

fillup the the details of cheque, Sec.20 of NI Act will came
25 C.C.20739/2022

into force. Nothing worth is elicited from the mouth of

PW.1 to suspect his case.

36. Therefore, having scrutinizing the entire

evidence this Court is of the view that the accused has

utterly failed to establish her defense on the scale of

preponderance of probabilities. AIR 2023 SC 5018 in

between Rajesh Jain V/s Ajay Singh, Apex court held that

“62. The fundamental error in the approach
lies in the fact that the High Court has questioned
the want of evidence on part of the complainant
in order to support his allegation of having
extended loan to the accused, when it ought to
have instead concerned itself with the case set up
by the accused and whether he had discharged
his evidential burden by proving that there
existed no debt/liability at the time of issuance of
cheque..”

37. Rohitbhai J Patel vs The State Of Gujarat,

reported in [2019] 5 S.C.R. 417, Apex court observed that

“19. Herein above, we have examined in detail
the findings of the Trial Court and those of the High
26 C.C.20739/2022

Court and have no hesitation in concluding that the
present one was clearly a case where the decision of
the Trial Court suffered from perversity and
fundamental error of approach; and the High Court
was justified in reversing the judgment of the Trial
Court. The observations of the Trial Court that there
was no documentary evidence to show the source of
funds with the respondent to advance the loan, or
that the respondent did not record the transaction in
the form of receipt of even kachcha notes, or that
there were inconsistencies in the statement of the
complainant and his witness, or that the witness of
the complaint was more in know of facts etc. would
have been relevant if the matter was to be examined
with reference to the onus on the complaint to prove
his case beyond reasonable doubt. These
considerations and observations do not stand in
conformity with the presumption existing in favour of
the complainant by virtue of Sec 118 and 139 of the
NI Act. Needless to reiterate that the result of such
presumption is that existence of a legally enforceable
debt is to be presumed in favour of the complainant.
When such a presumption is drawn, the factors
relating to the want of documentary evidence in the
form of receipts or accounts or want of evidence as
regards source of funds were not of relevant
consideration while examining if the accused has
been able to rebut the presumption or not. The other
observations as regards any variance in the statement of
27 C.C.20739/2022

complainant and witness; or want of knowledge about
dates and other particulars of the cheques; or washing
away of the earlier cheques in the rains though the office
of the complainant being on the 8 th floor had also been
of irrelevant factors for consideration of a probable
defence of the appellant. “

38. The principle laid down in above cases aptly

applicable to present case. As accused failed to

probabalise her defence and rebut the presumption as

afore-stated, case of the complainant cannot be doubted

for want of proof for source of income etc. Accordingly

court proceed to answer POINT NO.I IN THE

AFFIRMATIVE.

39. POINT NO.II:- In view of the reasons assigned in

above point, it is ample clear that accused has committed

the offence punishable u/s 138 of the Act. A bare reading

of sec.138 of the NI Act indicates that the purport of

sec.138 is to prevent and punish the dishonest drawers of

cheques who evade their liability. The Hon’ble Apex Court
28 C.C.20739/2022

in its recent decision in M/s. Meters & instrument Pvt

Ltd. Vs. Kanchana Mehta reported in (2018)1 SCC-560

held at para 18(ii)

that”(ii) The object of the provision being primarily

compensatory, punitive element being mainly with the

object of enforcing the compensatory element,

compounding at the initial stage has to be encouraged

but is not debarred at later stage subject to appropriate

compensation as may be found.” In view of the reasons

assigned in above point, it is ample clear that accused has

committed the offence punishable u/s 138 of the Act.

40. Therefore, having regard to the amount

advanced, time from which it is lying with the accused,

and keeping in mind the primary object of the provision,

this court is of the opinion that, rather than imposing

punitive sentence, if sentence of fine is imposed with a

direction to compensate the complainant for its monitory
29 C.C.20739/2022

loss, by awarding compensation U/Sec.357 of Cr.P.C,

would meet the ends of justice. Accordingly, this court

proceeds to pass following …..

ORDER

The accused is found guilty for the offence

punishable U/s.138 of Negotiable Instruments

Act.

Hence, acting U/sec.255(2) of Cr.P.C, the

accused is convicted and sentenced to pay a fine

of Rs.3,50,000/- (Rupees Three Lakhs Fifty

Thousand Only), in default of fine amount, she

shall undergo simple imprisonment for Six

Months for the offence punishable under

section 138 of N.I.Act.

Out of the fine amount collected from the

accused, an amount of Rs.3,45,000/- (Rupees

Three Lakhs Forty Five Thousand only) shall

be paid to the complainant as compensation

U/s.357 of Cr.P.C. and the remaining fine of
30 C.C.20739/2022

Rs.5,000/- shall be adjusted towards the cost of

state expenses.

The bail bonds of the accused shall be in

force till the appeal period is over as

contemplated under the provisions of

Sec.437(A) of Cr.P.C.

Office to supply the copy of the

Judgment to the accused forthwith at free of

cost.

(Dictated to the Stenographer, typed by her, corrected by me and
then judgment pronounced in the open court on this the 1 st day of July
2025).

Digitally
signed by
Tejaswini K M
Tejaswini Date:

                                              KM              2025.07.05
                                                              17:06:18
                                                              +0530

                                               (Smt.Tejaswini K.M),
                                              XVI ACJM, Bengaluru

                                ANNEXURE

I. List of witnesses on behalf of complainant:

P.W.1: Sri.K.B.Girish

II. List of documents on behalf of complainant:

Ex.P-1 : Original Cheque.

Ex.P-1(a) : Signature of the accused
31 C.C.20739/2022

Ex.P-2 & 3 : Bank memos.

Ex.P-4 & 5 : Bank challans.

Ex.P-6 : Legal notice.

Ex.P-7 & 8 : Postal receipts.

Ex.P-9 : Postal acknowledgment.

Ex.P-10 : Postal Cover.

Ex.P-11 : Returned Notice.

Ex.P-12 : Postal receipt.

Ex.P-13 : Postal Acknowledgment.

Ex.P-14 : Complaint.

III. List of witnesses for the accused:


       D.W.1: Smt.Sujatha Gopal

IV.    List of documents for accused:

                 Nil
                                               Digitally
                                               signed by
                                               Tejaswini K M
                                   Tejaswini   Date:
                                   KM          2025.07.05
                                               17:06:25
                                               +0530

                                   (Smt.Tejaswini K.M ),
                                   XVI ACJM, Bengaluru
 32   C.C.20739/2022
 

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