Poonawalla Housing Finance Ltd vs Panchal Bhavesh Vilas on 10 June, 2025

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This complaint is instituted by the complainant against

the accused under Section 200 of Cr.P.C. for the offence

punishable under Section 138 of Negotiable Instruments Act-

1881.

2. The Case of the complainant as per complaint
averments is as follows:

The complainant company is registered under the

provisions of the Companies Act. Accused had approached the

complainant company seeking financial assistance and availed

housing loan of Rs.20,00,000/- and he is required to repay the

same as per the terms of the agreement. Further, towards

partial discharge of existing legally enforceable contractual

SCCH-10

debt, the accused has issued a cheque for a sum of

Rs.20,00,000/-. The said cheque when presented was returned

dishonoured for ‘Funds Insufficient’. Then, the complainant got

issued a legal notice to the accused calling upon him to pay the

amount covered under the cheque. Despite receipt of notice, the

accused has not paid the cheque amount. Thus, the accused

has committed the offence punishable U/Sec.138 of Negotiable

Instruments Act. Hence, this complaint.



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