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2026 Supreme(Online)(Gau) 2494

THE GAUHATI HIGH COURT (HIGH COURT OF ASSAM, NAGALAND, MIZORAM AND ARUNACHAL PRADESH)
Sanjeev Kumar Sharma, J
BISHWAJIT TALUKDAR – Appellant
Versus
THE STATE OF ASSAM AND ANR – Respondent
Crl.Rev.P./375/2015



Advocates:
For the Appellants/Petitioners: S Nath, RK Bhuyan, H A Ahmed
For the Respondents: PP Assam, S K Bhattacharyya, B Singha

A signed blank cheque voluntarily handed over to a payee attracts the presumption of a legally enforceable debt under Section 139 of the Negotiable Instruments Act; the burden of proof lies on the accused to rebut this presumption with evidence.

Headnote:The case involves the interpretation of the Negotiable Instruments Act, specifically Section 138, regarding the dishonour of a cheque issued for a loan. The petitioner was convicted by the Trial Court and the conviction was upheld by the Sessions Court, although the sentence was modified to a fine. The petitioner contended that he had issued a blank cheque for a loan of Rs. 10,000, which was subsequently inflated to Rs. 85,000 by the complainant. The primary issue is whether the issuance of a signed blank cheque rebuts the presumption of a legally enforceable debt under Section 139 of the N.I. Act. The court reasoned that if a signed blank cheque is voluntarily presented to a payee, the payee may fill up the amount and other particulars, and this does not invalidate the cheque. The court emphasized that the onus remains on the accused to prove that the cheque was not in discharge of a debt by producing cogent evidence, rather than mere denial. In view of the above discussion, I do not find any merit in the instant revision, and accordingly, the same stands dismissed.

Table of Content
1. summary of trial and conviction for cheque dishonour under section 138 ni act. (Para 2 , 3 , 4 , 5)
2. analysis of the 'blank cheque' claim and the inconsistency of witness testimony. (Para 7 , 8 , 9 , 10)
3. evaluation of judicial precedents regarding the rebuttal of presumptions under the ni act. (Para 11 , 12 , 13 , 14 , 15 , 16 , 17 , 18 , 19)
4. legal presumption of debt arising from admitted signatures on a cheque. (Para 20 , 21 , 22 , 23)
5. validity of signed blank cheques and the failure of the accused to provide rebuttal evidence. (Para 24 , 25 , 26 , 27)

Whether the pronouncement is of the : No.

operative part of the judgment ?

Whether the full judgment has been : Yes

pronounced?

JUDGMENT & ORDER (CAV)

(Sanjeev Kumar Sharma, J)

Heard Mr. K Bhuyan, learned counsel for the petitioner. Also heard Mr. B Singha, learned counsel for the respondents.

2. This revision petition is directed against the appellate Judgment and Order dated 23.06.2015, in Criminal Appeal No. 07(K-A)/14, passed by the learned Sessions Judge, Kamrup, Amingaon, dismissing the appeal preferred by the revisionist against the Judgment & Order dated 08.07.2013 in CR No. 8430/07, passed by the learned Trial Court, convicting the appellant in a complaint case instituted under the provisions of the Negotiable Instruments Act (hereinafter referred as the ‘N.I Act’) and sentencing the accused/revisionist to undergo simple imprisonment for two months and also to pay Rs. 1,50,000/- as compensation under Section 357 CrPC.

3. The said appeal was dismissed by the aforesaid impugned order. However, the sentence was modified by substituting the sentence imposed by the the learned Trial Court with a sentence to pay a fine of Rs. 1,25,000/-, in default, simple imprisonment for one month.

4. The prosecution case in brief is that the respondent/complainant had given a loan of Rs. 85,000/- to the appellant and by way of return of the said loan, the appellant had issued the cheque bearing No. 014658 dated 09/08/2007 for an amount of Rs. 85,000/- drawn on the Central bank of India, Bijoynagar branch. The cheque was deposited on two occasions, the latter date being 06/11/2007, but the same was dishonoured due to insufficiency of funds. A notice was sent on 08/11/2007, and since payment was not made within the stipulated period, the complaint case was filed under Section 138 N.I Act.

5. In the trial, the respondent/complainant examined two witnesses and exhibited some documents. The defence did not adduce any evidence. After completion of trial, the appellant was convicted under Section 138 of the N.I Act and sentenced as mentioned above. Aggrieved by such conviction and sentence, the appellant has filed a criminal appeal before the appellate Court. Subsequently, the said appeal also came to be dismissed; however, the sentence was modified as stated hereinabove.

6. I have heard Mr. K Bhyuan, counsel for the petitioner, and Mr. B Singha, learned counsel for the sole respondent.

7. The main contention put forward by learned counsel for the appellant was that this is a case where, admittedly, the revisionist had issued a blank cheque, and although he had only taken a loan of Rs.10,000/- from the complainant/society, subsequently, the cheque was filled up with an inflated amount of Rs. 85,000/- and presented to the bank for encashment.

8. In this regard, learned counsel for the revisionist has taken the Court through the cross-examination of the PW1/complainant, wherein it is stated in the second last paragraph that at the time of availing the loan, the accused had issued a blank cheque in the name of the Samiti. This has been pointed out by learned counsel to buttress the contention that it was a blank cheque, which was issued by the petitioner/revisionist.

9. The said paragraph may be reflected herein below.

"It is not a fact that the accused availed a loan of Rs. 10,000/- only from the complainant Samiti. At the time of availing the

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