IN THE HIGH COURT OF JUDICATURE AT MADRAS Reserved on 13.11.2025 Pronounced on 10.02.2026 CORAM THE HONOURABLE MRS. JUSTICE K. GOVINDARAJAN THILAKAVADI S.A.No.667 of 2025 and C.M.P.No.24052 of 2025 K.Subramaniam ...Appellant Vs.

N.Shanthi ...Respondent Prayer: Second Appeal filed under Section 100 CPC, 1908 to set aside the decree and judgment dated 12.03.2025 passed in A.S. No.65 of 2022, on the file of the learned III Additional District & Sessions Judge, Dharapuram, confirming the Judgment and decree dated 21.07.2022 passed in O.S. No.162 of

2017, on the file of the learned Subordinate Judge, Kangeyam For Appellant : Mr.M.Guruprasad For Respondent : Mr. S.Sakthivel for Mr.R.Advaith

JUDGMENT

The present Second Appeal is preferred against the judgment and decree dated 12.03.2025 passed in A.S. No.65 of 2022, on the file of the learned III Additional District & Sessions Judge, Dharapuram, confirming the Judgment and decree dated 21.07.2022 passed in O.S. No.162 of 2017, on the file of the learned Subordinate Judge, Kangeyam

2. For the sake of convenience, the parties are referred to as per their ranking in the trial Court.

3.The respondent as plaintiff filed the above suit for recovery of money.

4.According to the plaintiff, on 02.01.2016, the defendant borrowed a sum of Rs.4,00,000/- from the plaintiff for his urgent family needs and for business expenses and promised to repay the same with interest at the rate of Rs.1/- per Rs.100/-. Inspite of several demands, the defendant failed to repay the loan amount. Hence, the suit.

5.The claim of the plaintiff is resisted by the defendant stating that there is no need for the defendant to borrow loan from the plaintiff. The signature found in the suit pronote is forged. On the date of the alleged execution, the defendant was at Kerala. Hence, prayed for dismissal of the suit.

6.Upon perusing the materials on record, the trial Court decreed the suit in favour of the plaintiff, against which the defendant preferred an appeal in A.S.No.65 of 2022 and the first appellate Court dismissed the appeal suit.

Challenging the same, the present second appeal is preferred by the defendant.

7.Mr.M.Guruprasad, learned counsel for the appellant/defendant submits that though in the plaint, the plaintiff has mentioned about two pronotes said to have been executed by the defendant, she had filed the suit only for one pronote, which would prove that no consideration passed in the suit pronote. His further contention is that, there are many contradictions between the evidences of P.W.1 to P.W.3. The plaintiff failed to prove the execution of the suit pronote and passing of consideration. Moreover, the plaintiff do not have sufficient means to lend loan to the defendant. Where as, the defendant is well affluent and there is no need for him to borrow any loan amount from the plaintiff. But the Courts below failed to consider the above facts in right perspective manner and decreed the suit in favour of the plaintiff which warrants consideration by this Court.

8.On the other hand, Mr.S.Sakthivel, the learned counsel for the respondent/plaintiff would submit that, in cases of suit on promissory note as per Section 118 of Indian Evidence Act, if the defendant admits the signature found in suit promissory note, the burden will be shifted to the defendant to rebut the said presumption. Where as, if the very execution of the suit promissory note is disputed by the defendant, the plaintiff is in strict proof of execution.

9.In the present case, the defendant has denied the execution of the suit promissory note. Hence, the plaintiff has examined himself as P.W.1 and other two witnesses as P.W.2 & P.W.3 who had categorically spoken about the very execution of the suit promissory note. Where as, the defendant failed to disprove the same. The Courts below rightly decreed the suit in favour of plaintiff which warrants any interference by this Court.

10.Heard on both sides, records perused.

11.On perusal of records, it is seen that