Rakesh Kainthla, Judge

The petitioner has filed the present petition seeking quashing of the FIR No. 15 of 2025, dated 4.2.2025, registered at Police Station Kandaghat, District Solan, H.P., for the commission of offences punishable under Section 316 (5) and Section 302 of the Bharatiya Nayaya Sanhita (BNS) 2023.

Briefly stated, the facts giving rise to the present petition are that the informant, Anshul Verma, had taken a loan of ₹2,72,000/- on the 22.6.2020 by pledging the gold ornaments for a period of two years. The account was closed on 28.9.2022. It was renewed on the same day, and the loan amount was increased to ₹2,95,000/-. The account was again renewed on 27.12.2024, and the amount was increased to ₹4,30,000/-. The informant required money in August, 2020. He pledged a gold chain. A loan of ₹93,750/- was disbursed on 17.8.2020. The bank retained the jewellery. The informant’s uncle, Rakesh Kumar, owned the gold chain; hence, the second gold loan was transferred in his name on 29.11.2021. Subsequently, the informant’s account was frozen/blocked, and the informant was unable to operate the account after 31.12.2024. The informant enquired on 1.1.2025, and he was told that,