The above Second Appeal has been filed against the judgment and decree of the learned I Additional District Judge, City Civil Court, Madras dated 25-81982 in A. S. No. 48 of 1982, made by way of referring the judgment and decree of the learned IV Assistant Judge, City Civil Court, Madras dated 14-4-1981 in O.S. No. 8148 of 1978. The defendant Bank, which succeeded before the trial Court, but failed before the lower appellate Court, has come up before this Court with the above second appeal.

2. The case of thc plaintiff was that the defendant-Bank presented to the plaintiff bank for realisation and payment a demand draft purported to be drawn on the plaintiffbank and purported to be for Rs. 11,260 /-and purported to be payable to one Mr. A. N. Rangarajan. Having regard to the fact that the draft was presented for payment by a collecting banker, the plaintiff claims to have immediately honoured the payment, without further scrutiny and even before the receipt of the advice from the issuing office, namely, Udaipur branch of the plaintiff-bank. As and when the information from Udaipur branch came necessitating the further examination of the bank draft under ultra violet lamp