{"id":87786,"date":"2009-09-02T00:00:00","date_gmt":"2009-09-01T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/ms-ganesh-dal-vs-state-of-bank-of-india-on-2-september-2009"},"modified":"2018-08-24T05:07:32","modified_gmt":"2018-08-23T23:37:32","slug":"ms-ganesh-dal-vs-state-of-bank-of-india-on-2-september-2009","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/ms-ganesh-dal-vs-state-of-bank-of-india-on-2-september-2009","title":{"rendered":"M\/S Ganesh Dal vs State Of Bank Of India on 2 September, 2009"},"content":{"rendered":"
Punjab-Haryana High Court<\/div>\n
M\/S Ganesh Dal vs State Of Bank Of India on 2 September, 2009<\/div>\n
RSA No. 3181 of 2009                                        (1)\n\n         IN THE HIGH COURT OF PUNJAB AND HARYANA AT\n                         CHANDIGARH\n\n                                         RSA No. 3181 of 2009\n                                         Date of Decision: 2.9.2009\n\nM\/s Ganesh Dal, Oil and General Industires and others\n\n                                                      ......Appellants\n            Versus\n\nState of Bank of India                                .......Respondent<\/pre>\n
CORAM:      HON’BLE MR. JUSTICE HEMANT GUPTA.\n<\/p>\n<\/p>\n
1. Whether Reporters of local papers may be allowed to see the judgment?\n<\/p>\n
2. To be referred to the Reporters or not?\n<\/p>\n
3. Whether the judgment should be reported in the Digest?<\/p>\n
Present:    Shri Mohit Garg, Advocate, for the appellants.<\/p>\n
HEMANT GUPTA, J. (Oral).\n<\/p>\n
            Defendants No. 1 to 5 are in second appeal aggrieved against<\/p>\n
the judgment and decree passed by the learned first Appellate Court,<\/p>\n
whereby suit for recovery of Rs.5,42,099.30p along with interest @ 9% per<\/p>\n
annum from the date of filing of the suit till payment has been decreed with<\/p>\n
costs.\n<\/p>\n
            Defendant-appellants entered into number of agreements for<\/p>\n
availing financial assistance such as cash credit facility, demand draft<\/p>\n
purchase facility etc. As per the plaintiff, in order to avail demand draft<\/p>\n
purchase facility, the defendants submitted eight bills for the value of<\/p>\n
Rs.2,53,598\/-   from     2.7.1982   to    14.7.1982     along     with    Railways<\/p>\n
Receipts\/Motor Transport Receipts. The same were accepted, but were<\/p>\n
dishonoured on presentation and returned unpaid.            After adjusting the<\/p>\n
credit and debit entries, a sum of Rs.5,05,545.72, stood recoverable from
\n RSA No. 3181 of 2009                                      (2)<\/p>\n
the defendants on account of advances availed of by the defendants under<\/p>\n
the cash credit limit. A sum of Rs.36,553.58 is the interest recoverable and<\/p>\n
thus, the plaintiff claimed the aforesaid amount.<\/p>\n
              The findings recorded by the learned first Appellate Court are<\/p>\n
that the defendants executed the documents towards demand draft purchase<\/p>\n
facility and the cash credit limit and that the suit is within time. Such<\/p>\n
findings are not disputed in the present appeal.\n<\/p>\n
              Learned counsel for the appellants has firstly argued that the<\/p>\n
Motor Transport Receipt and\/or Railways Receipts having been accepted<\/p>\n
by the Bank and payment made to the defendants in terms of the demand<\/p>\n
draft purchase facility, therefore, the plaintiff Bank is       not entitled to<\/p>\n
recover the amount from the defendants as their right is to recover the<\/p>\n
amount from the consignee alone or the transporters and not the defendant-<\/p>\n
appellants.     In support of such contention, reliance is placed upon<\/p>\n
Corporation Bank and another v. Navin Shah, (2000)2 Supreme Court Cases<\/p>\n
628 and Dena Bank v. The M.P. National Textiles Corporation Ltd., AIR<\/a><\/p>\n
1982 Madhya Pradesh 85. It is further argued that the findings recorded are<\/p>\n
not based upon pleadings. It is not the case of the plaintiff that the goods<\/p>\n
receipts were fake, but finding has been so recorded. Lastly, it is argued that<\/p>\n
the cheques signed by Bhushan Kumar on behalf of the defendant-firm are<\/p>\n
the unauthorized payments made by the Bank and, therefore, the appellants<\/p>\n
are entitled to set off the amount of the said cheques. Reliance is placed<\/p>\n
upon Meenakshi Achi and another v. P.S.M. Subramanian Chettiar and<\/p>\n
others, AIR 1957 Madras page 8.\n<\/p>\n
              I do not find any merit in any of the arguments raised by the<\/p>\n
learned counsel for the appellants.\n<\/p>\n
 RSA No. 3181 of 2009                                      (3)<\/p>\n
            The fact that the defendants have withdrawn the amount on the<\/p>\n
strength of goods allegedly consigned by it through the Motor Transporters<\/p>\n
or Railways is not disputed by the appellants. In fact, such is finding of fact<\/p>\n
on the basis of statement of PW2 -S.M. Kataria, the Manager of the Bank.<\/p>\n
The bills and the receipts are Exhibits P.18 to P.32 produced on record.<\/p>\n
Exhibits P.51 to P.68 are the cheques by which the defendant-appellants<\/p>\n
have withdrawn the amount of Rs.2,53,598\/-. The Bills were received back<\/p>\n
unpaid by the Collecting Branches of the Bank. Learned counsel for the<\/p>\n
appellants has vehemently argued that the first Appellate Court has returned<\/p>\n
a finding that such receipts were fake.      There was no pleading of the<\/p>\n
plaintiff that the Motor Transport Receipts or the Railways Receipts are<\/p>\n
fake. Therefore, the finding recorded by the learned first Appellate Court is<\/p>\n
not based upon the pleadings of the plaintiff.\n<\/p>\n
            The learned first Appellate Court has relied upon notices<\/p>\n
Exhibit P.70 to P.73 served upon the transporters to return the bills. Such<\/p>\n
notices were served upon the defendants vide Exhibit P.74. Exhibit P.81 is<\/p>\n
the reply given by respondent No.2 undertaking to pay the balance amount.<\/p>\n
It was found that the goods were never dispatched against the Motor<\/p>\n
Transport Receipts produced by the defendants.\n<\/p>\n
            The amount of the Bills against which the defendants released<\/p>\n
payment on proof of the dispatch, was never paid by the consignees,<\/p>\n
therefore, the appellants have been rightly made liable for payment. It is the<\/p>\n
defendants, who have been paid for the amount of the bills of the goods<\/p>\n
allegedly sent by the defendants. Since the appellants are the beneficiaries<\/p>\n
of the payment, they alone are responsible for making the payment to the<\/p>\n
Bank.\n<\/p>\n
 RSA No. 3181 of 2009                                      (4)<\/p>\n
            The judgment in Corporation Bank’s case (supra), is not<\/p>\n
applicable to the facts of the present case. It has been held therein that once<\/p>\n
the Bank has purchased or discounted an instrument from a customer and<\/p>\n
credited the customer with the amount of the instrument and allowed the<\/p>\n
customer    to draw against the amount as credited before the bill or<\/p>\n
instrument is cleared, then the Bank would be collecting the money not for<\/p>\n
the customer but chiefly for itself. There is no dispute about the proposition<\/p>\n
of law laid down in the aforesaid judgment, but the controversy in the<\/p>\n
present appeal arises on account of dishonour of the instruments. When the<\/p>\n
bills were presented for payment, they have not been honoured. It is the<\/p>\n
defendant-appellants who have taken the benefit in advance with the goods<\/p>\n
allegedly sent by the defendants. Therefore, the ratio laid down in the<\/p>\n
aforesaid judgment is of no assistance to the argument raised by the learned<\/p>\n
counsel for the appellants.\n<\/p>\n
            Similarly, in Dena Bank’s case (supra), the Court has held that<\/p>\n
if the relevant documents are discounted by the bankers without waiting for<\/p>\n
its collection by the drawee by giving full credit for the entire amount of the<\/p>\n
document, the banker itself becomes a purchaser and the holder thereof for<\/p>\n
full value. The aforesaid judgment is again not helpful to the argument<\/p>\n
raised by the learned counsel for the appellant for the reason as given in<\/p>\n
Corporation Bank’s case (supra).\n<\/p>\n
            The argument that the plaintiff has not set up a case of fraud in<\/p>\n
presentation of the bills, whereas the first Appellate Court has returned a<\/p>\n
finding that the goods receipts were fake is again inconsequential The<\/p>\n
primary reason to claim the amount of bills is their dishonour. The bills can<\/p>\n
be dishonoured for variety of reasons including the same being actuated by
\n RSA No. 3181 of 2009                                      (5)<\/p>\n
fraud. It is not the case of the appellants that such bills have been honoured<\/p>\n
by the consignees. Once the bills are not honoured, the liability to pay and<\/p>\n
the benefits thereon, would be on the person, who has drawn such benefits.<\/p>\n
Therefore, I do not find any substance in the argument raised by the learned<\/p>\n
counsel for the appellants.\n<\/p>\n
             About 700 cheques were issued by the defendants. Out of such<\/p>\n
cheques, 275 cheques in the sum of Rs.2 lacs were issued under the<\/p>\n
signatures of Bhushan Kumar. Bhushan Kumar is admittedly not a partner<\/p>\n
of the defendant-firm. It has been found by the learned first Appellate Court<\/p>\n
that Bhushan Kumar is not a stranger but son of defendant No.3 and<\/p>\n
defendant No.4, brother of defendant No.2 and husband of defendant No.5.<\/p>\n
The issuance of a large number of cheques by Bhushan Kumar shows that<\/p>\n
he has implied authority to act on behalf of defendant No.1-firm and its<\/p>\n
partners never raised any objection about the encashment of cheques by<\/p>\n
Bhushan Kumar. The said finding cannot be said to be erroneous when<\/p>\n
Bhushan Kumar is not a stranger . In fact, the defendants permitted him to<\/p>\n
be a representative of the firm. Such representation was never disputed by<\/p>\n
the defendants for a long period of time.\n<\/p>\n
             Consequently, I do not find any patent illegality or material<\/p>\n
irregularity in the finding recorded or that the finding recorded gives rise to<\/p>\n
any substantial question of law in the present second appeal.<\/p>\n
             Hence, the present appeal is dismissed.\n<\/p>\n<\/p>\n
                                             (HEMANT GUPTA)
\n                                                 JUDGE<\/p>\n
02-09-2009
\n ds\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Punjab-Haryana High Court M\/S Ganesh Dal vs State Of Bank Of India on 2 September, 2009 RSA No. 3181 of 2009 (1) IN THE HIGH COURT OF PUNJAB AND HARYANA AT CHANDIGARH RSA No. 3181 of 2009 Date of Decision: 2.9.2009 M\/s Ganesh Dal, Oil and General Industires and others ……Appellants Versus State of Bank […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8,28],"tags":[],"class_list":["post-87786","post","type-post","status-publish","format-standard","hentry","category-high-court","category-punjab-haryana-high-court"],"yoast_head":"\nM\/S Ganesh Dal vs State Of Bank Of India on 2 September, 2009 - Free Judgements of Supreme Court & High Court | Legal India<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalindia.com\/judgments\/ms-ganesh-dal-vs-state-of-bank-of-india-on-2-september-2009\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\/S Ganesh Dal vs State Of Bank Of India on 2 September, 2009 - 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