Know Your Rights!!

If a bank returns a cheque for insufficient funds, the law presumes the cheque was given to pay a real debt once the signature is admitted, and it is up to the issuer to prove otherwise with real evidence, not guesses. In this landmark ruling, the Supreme Court restored a conviction that a High Court had wrongly overturned and introduced new, practical steps to expedite cheque-bounce cases nationwide, with effect from 01.11.2025. Let's examine the case of the appellant-complainant, Sanjabij Tari, who advanced a friendly loan of ₹6,00,000 to the respondent, Kishore S. Borcar, supported by credible testimony that to oblige his friend/Respondent, the appellant-complainant had arranged money from his father, who was a cloth merchant having two shops and even went to the extent of parting with a portion of the loan amount which he himself had borrowed from a financial institution. The respondent issued a cheque which was dishonoured by the bank. The trial and sessions courts convicted t...

Most of us, even bankers for that matter, overlook that the law allows endorsing cheques for part-payments. A cheque bounce case under Section 138 of the Negotiable Instruments Act ( “The Act” ) fails if the full cheque amount is not actually due because part of the loan has already been repaid and that part-payment is not endorsed on the cheque. The cheque must represent a legally enforceable debt on the date it is presented. Let’s take a look at a simple interpretation of the Supreme Court’s decision in Dashrathbhai Trikambhai Patel v. Hitesh Mahendrabhai Patel, Criminal Appeal No. 1497 of 2022 (SC) . The Facts: A lender claimed a relative had borrowed Rs. 20 lakhs and gave a cheque for that amount, which later bounced for insufficient funds. The borrower showed that he had already paid Rs. 4,09,315 towards that loan before the cheque was presented. The trial court and the High Court found these part-payments proved, and the Supreme Court examined whether Section 138 applied in such...

The Supreme Court has ruled that  secretly recorded phone conversations between spouses can be used as evidence in matrimonial disputes. The judgment in  Vibhor Garg v. Neha (2025 INSC 829) , delivered on  July 14, 2025 , has finally settled years of confusion among Indian courts. Vibhor Garg and Neha married in 2009 but their relationship fell apart. When Vibhor filed for divorce in 2017, he had secret phone recordings of conversations with his wife from 2010 and 2016. When he tried to use these as evidence, Neha objected, saying it violated her  right to privacy. The Punjab & Haryana High Court agreed with her and blocked the recordings. The Supreme Court, led by  Justice B.V. Nagarathna and Justice Satish Chandra Sharma , disagreed completely. They ruled that privacy is  not absolute  and must be balanced against the right to a fair trial. The judgment shows how confused courts were before this decision: Courts That Allowed Re...

  The Bombay High Court’s recent decision in Ritesh Haldar v. Elite Housing LLP and Ors, Commercial Arbitration Appeals (L) No.14486/2025 and No.15542/2025, delivered on 24 June 2025 , sheds light on how property and family disputes are handled during building redevelopments—a common event in Mumbai’s old housing societies. In this case, a flat in Khar, Mumbai, became the focus of a dispute between family members when their building was taken up for redevelopment. Ritesh Haldar, the appellant, is one of three brothers in the Haldar family. When the flat was purchased, Ritesh's mother's name (Sabita Haldar) was also included for society membership purposes. After Sabita passed away in 2002, Ritesh claimed to have become the sole owner of the flat, as his name remained on the society records. However, his brothers—Rohitesh (whose wife is Leena) and Rajesh—claimed that their mother owned a 50% share in the flat, which they say passed to all siblings after her death. In the meantim...

A significant decree in  Metpalli Lasum Bai (Since Dead) And Others v. Metapalli Muthaih(D) By Lrs.,   C.A. No(s). 5921 of 2015 with C.A. No(s). 5922 of 2015 , decided on 21 st July 2025, the Hon’ble Supreme Court of India reiterated the evidentiary value and legal presumption attached to a registered will. The matter arose from a property dispute within the Metpalli family and highlights the importance of executing and registering a will to ensure the testator’s {i.e. person making a will is called testator(ix)} intentions are legally honoured and protected against future challenges. In the present case, the testator, Metpalli Rajanna, who passed away in 1983, had contracted second marriage after his first wife passed away leaving behind two children. His second wife – Lasum Bai who did not bear any child. In light of internal familial tensions—particularly between his second wife, Lasum Bai, and his son Muthaiah—he executed a registered will dated 24 th  July 1974....

  In the case of R.B.A.N.M.S. Educational Institution v. B. Gunashekar & Another (2025 INSC 490) , the Supreme Court addressed a critical issue in property litigation: the use of large cash transactions. The appeal centered on rejecting a plaint under Order VII Rule 11 of the Civil Procedure Code , as the Gunashekar’s lawsuit, based on an agreement to sell, lacked a valid cause of action. However, the Court’s attention was drawn to his claim of paying Rs.75 lakh in cash, a transaction that not only raised suspicion but also violated Section 269ST of the Income Tax Act, 1963 . Section 269ST , effective from April 1, 2017, prohibits cash transactions above Rs.2 lakh to curb black money and promote a digital economy. The Court observed that such a large cash payment, as alleged in the suit, clearly contravened this law. It noted that despite the amendment’s introduction, the desired shift toward transparent financial dealings had not been fully realized, as evidenced by this litig...

I’ve got a fascinating Supreme Court case to share – not a recent ruling but digs into family ties, property rights, and Hindu law. It’s called Kehar Singh (D) Thr. L.Rs. & Ors. vs. Nachittar Kaur & Ors., decided on 20.08.2018, and you’ll find it under Civil Appeal No. 3264 of 2011. This is a story of a son challenging his father’s sale of ancestral land in the Court in the year 1964 , only for his heirs to lose out after a 54-year legal battle, all because of a 1973 law retrospective amendment. Factual Background: There’s a family with a big land parcel—164 Kanals and 1 Marla, to be exact—in Village Bhamian Kalan, Tehsil Ludhiana. This isn’t just any land; it’s ancestral property, passed down through generations. The father, Pritam Singh, decides to sell it to two buyers, Tara Singh and Ajit Singh, for ₹19,500/- on April 25, 1960. The deal’s done, the sale deed’s registered, and the buyers take possession. But Pritam’s son, Kehar Singh, isn’t having it. In 1964 , he marched i...

Let’s talk about a situation that’s all too common. Someone has bought a house through an Agreement to Sell and a General Power of Attorney (GPA) to possess the property. The buyer moves into the property and takes full possession. Everything looks sorted—until a bank shows up to recover dues from the original owner and suddenly, the new "owner" is facing eviction. Legally speaking, the story is more complex. Supreme Court's View: Possession ≠ Ownership In Sanjay Sharma v. Kotak Mahindra Bank Ltd. & Ors.(2024) , the Supreme Court clears the air on this very issue. In this case, Pushpa Morey (Respondent No. 2) held property possession based on an Agreement to Sell and a General Power of Attorney (GPA). However, none of the documents were registered. The Apex Court firmly held that such possession, supported only by unregistered documents, does not translate into ownership in the eyes of the law. Why Registration Matters? Under Section 17 of the Registration Act, 1908,...

Cyber fraud is something most of us have encountered, either as victims or witnesses. But what happens when a bank’s negligence facilitates such fraud? In a recent ruling, the adjudicating authority (AA) under the Information Technology (IT) Act has set a precedent for accountability in the banking sector. On 21 st January 2025, in Complaint Case No. 3 of 2019 , the principal secretary of IT for Maharashtra state and the AA under the IT Act ordered Axis Bank to pay Rs 1.76 crore with 18% interest, Rs 50 lakh as compensation, and Rs 3 lakh in legal costs to Dhule Vikas Sahakari Bank (DVSB) for unauthorized transactions caused by the bank’s negligence. Under the IT Act, the AA, who is the state IT secretary, has the authority to adjudicate cyber fraud cases involving claims for injury or damage up to Rs 5 crore. The AA has powers of a civil court and can hear complaints related to violations under the IT Act. Victims of cyber fraud, whether individuals or entities, can approach the AA f...