{"id":6445,"date":"2015-01-28T09:01:00","date_gmt":"2015-01-28T09:01:00","guid":{"rendered":"http:\/\/localhost\/sccblog\/?p=6445"},"modified":"2015-10-14T17:18:10","modified_gmt":"2015-10-14T11:48:10","slug":"only-drawee-bank-to-be-considered-in-cheque-bounce-offences","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2015\/01\/28\/only-drawee-bank-to-be-considered-in-cheque-bounce-offences\/","title":{"rendered":"Only drawee bank to be considered in cheque bounce offences"},"content":{"rendered":"

Bombay High Court<\/span><\/b>: Dismissing a plea in a  cheque bounce case, a bench comprising of S.B. Shukre, J held that <\/a>only drawee bank’s jurisdiction could be considered during criminal proceedings under Section 138 of Negotiable Instruments  Act, 1881, even though the Real Time Gross Settlement (RTGS) system facility enabled the citizens to draw and pay cheques at any branches all over the country.<\/span><\/p>\n

The Court clarified that there can be only one drawee bank and not several. When the RTGS cheques bear an endorsement “payable at all our branches”, it only means “payment instructions expedited” enabling receipt thereof immediately.The court observed that there is a difference between processing of cheque for payment, and giving approval to the processing branch for the payment. The branch which processes the cheque and obtains approval for payment from the original branch where funds are actually parked, can only be called as the facilitator. It can’t be termed as the “drawee” under Section 7 of the NI Act.<\/p>\n

The Judge observed that the RBI has made it clear that what is contemplated under RTGS is only transfer of funds by the “drawee bank” to other branches which received the cheques. It means that dishonour of cheque takes place at the place where the “drawee bank” is situated<\/a><\/a>. Sangita vs. Judicial Magistrate, First Class, <\/font><\/i><\/span>2015 SCC OnLine Bom 273<\/a>, <\/span> decided on 13-01-2015<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Bombay High Court: Dismissing a plea in a  cheque bounce case, a bench comprising of S.B. Shukre, J held that only drawee <\/p>\n","protected":false},"author":3,"featured_media":7321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[10],"tags":[3029],"class_list":["post-6445","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-highcourts","tag-cheque_bounce"],"yoast_head":"\nOnly drawee bank to be considered in cheque bounce offences | SCC Times<\/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.scconline.com\/blog\/post\/2015\/01\/28\/only-drawee-bank-to-be-considered-in-cheque-bounce-offences\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Only drawee bank to be considered in cheque bounce offences\" \/>\n<meta property=\"og:description\" content=\"Bombay High Court: Dismissing a plea in a  cheque bounce case, a bench comprising of S.B. 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138 of NI Act| No hard and fast rule that a cheque issued as security can never be presented by drawee: Supreme Court\u00a0","author":"Prachi Bhardwaj","date":"October 29, 2021","format":false,"excerpt":"\u201cA cheque issued as security pursuant to a financial transaction cannot be considered as a worthless piece of paper under every circumstance.\u201d","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=525%2C300&ssl=1 1.5x, 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It is necessary to also ascertain the specific branch of the bank in which he maintains the account to completely and unambiguously decide the said question\u201d.","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"complaints for account payee cheque","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":259444,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/01\/03\/territorial-jurisdictional-constraints-of-cheque-bounce-cases\/","url_meta":{"origin":6445,"position":2},"title":"Territorial Jurisdictional Constraints of Cheque Bounce Cases","author":"Editor","date":"January 3, 2022","format":false,"excerpt":"by Baglekar Akash Kumar*","rel":"","context":"In "Banking and Negotiable Instruments"","block_context":{"text":"Banking and Negotiable Instruments","link":"https:\/\/www.scconline.com\/blog\/post\/category\/banking-and-negotiable-instruments\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/01\/MicrosoftTeams-image-141.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/01\/MicrosoftTeams-image-141.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/01\/MicrosoftTeams-image-141.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":240183,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/12\/04\/rbi-positive-pay-system-shall-be-implemented-from-january-01-2021-read-about-positive-pay-system\/","url_meta":{"origin":6445,"position":3},"title":"RBI | Positive Pay System shall be implemented from January 01, 2021: Read about Positive Pay System","author":"Bhumika Indulia","date":"December 4, 2020","format":false,"excerpt":"Under this process, the issuer of the cheque submits electronically, through channels like SMS, mobile app, internet banking, ATM, etc., certain minimum details of that cheque (like date, name of the beneficiary\/payee, amount, etc.) to the drawee bank, details of which are cross-checked with the presented cheque by CTS.","rel":"","context":"In "Hot Off The Press"","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":7239,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/06\/17\/the-negotiable-instruments-amendment-ordinance-2015\/","url_meta":{"origin":6445,"position":4},"title":"The Negotiable Instruments (Amendment) Ordinance, 2015","author":"Sucheta","date":"June 17, 2015","format":false,"excerpt":"On 15.06.2015, the President of India promulgated the Negotiable Instruments (Amendment) Ordinance, 2015. The objective of the Ordinance is to amend the provisions of Negotiable Instruments Act, 1881, for speedy disposal of cases relating to dishonour of cheque. The Negotiable Instruments (Amendment) Bill, 2015 has been passed by the Lok\u2026","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/rashtrapatibhawan.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/rashtrapatibhawan.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/rashtrapatibhawan.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/rashtrapatibhawan.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/rashtrapatibhawan.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":275450,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/10\/12\/dishonour-cheques-section-138-ni-act-legally-enforceable-debt-encashment-supreme-court-legal-research-updates-news\/","url_meta":{"origin":6445,"position":5},"title":"Dishonour of Cheques| Section 138 NI Act would not attract if cheque does not represent a legally enforceable debt at the time of encashment","author":"Prachi Bhardwaj","date":"October 12, 2022","format":false,"excerpt":"Supreme Court: In the case where the Supreme Court was called upon to decide whether the offence under Section 138 of the Negotiable Instruments Act 1881 would deem to be committed if the cheque that is dishonoured does not represent the enforceable debt at the time of encashment, the bench\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/10\/Section-138-NI-Act-would-not-attract-if-cheque-does-not-represent-a-legally-enforceable-debt-at-the-time-of-encashment-1-1.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/10\/Section-138-NI-Act-would-not-attract-if-cheque-does-not-represent-a-legally-enforceable-debt-at-the-time-of-encashment-1-1.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/10\/Section-138-NI-Act-would-not-attract-if-cheque-does-not-represent-a-legally-enforceable-debt-at-the-time-of-encashment-1-1.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/10\/Section-138-NI-Act-would-not-attract-if-cheque-does-not-represent-a-legally-enforceable-debt-at-the-time-of-encashment-1-1.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/10\/Section-138-NI-Act-would-not-attract-if-cheque-does-not-represent-a-legally-enforceable-debt-at-the-time-of-encashment-1-1.png?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/6445","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=6445"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/6445\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/7321"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=6445"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=6445"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=6445"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}