Patna High Court
Rupesh Kumar SahversusThe Punjab National Bank
- Decided
- Disposal
- DISMISSED
- Bench
- A ABHISHEK REDDY
Holding
The petition is dismissed as the cheques were deposited after the expiry of their statutory validity period.
Summary
The petitioner, Rupesh Kumar Sah, alleged that he deposited two cheques of Rs.3,00,000 and Rs.3,21,000 with Punjab National Bank on 2 April 2025, but the bank failed to credit the amounts, claiming the cheques had expired. He sought a court order directing the bank to credit the sums with interest, produce CCTV footage of the deposit, and take action against errant bank officials. The bank counter‑claimed that the pay‑slip showed the cheques were actually deposited on 8 April 2025, after the three‑month validity period from the cheque date of 5 January 2025 had lapsed. The court examined the dates and found that the cheques were indeed out of the statutory three‑month validity period. Consequently, the court held that the petition had no merit and dismissed it, while leaving open other legal remedies for the petitioner. No specific statutory provisions or precedents were cited in the judgment.
Issues considered
- Whether the bank is obligated to credit cheques that were deposited after the statutory three‑month validity period had expired
- Whether a writ petition can compel the bank to produce CCTV footage and initiate disciplinary action against its officials
Subjects
- cheque expiry
- bank liability
- Negotiable Instruments Act
- civil writ jurisdiction
- interest on deposits
- CCTV evidence
- bank officials disciplinary action
Judgment
IN THE HIGH COURT OF JUDICATURE AT PATNA
Civil Writ Jurisdiction Case No.4632 of 2026
======================================================
Rupesh Kumar Sah S/o Indra Vijay Kumar Sah, R/o Nehru Chowk Kasba,
Ward No. -6, Nagar Panchayat Kasba, P.S.-Kasba, Dist.-Purnea, Bihar, PIN-
854330.
... ... Petitioner/s
Versus
1. The Punjab National Bank through its Chairman cum Managing Director,
Head Office, Sector-10, Dwarika, New Delhi-110075.
2. The Regional Manager, Punjab National Bank, R-Block, Patna.
3. The Branch Manager, Punjab National Bank, Kasba Branch, Purnea.
4. The Ombudsman, Gandhi Maidan, Patna.
5. Aman Kumar Sah, Son of Hari Lal Sah, R/o Kasba, Ward No. -6, Nagar
Panchayat Kasba, P.S.-Kasba, District-Purnea, Bihar.
... ... Respondent/s
======================================================
Appearance :
For the Petitioner/s : Mr. Rajendra Prasad, Advocate.
For the Respondent/s : Mr. Anjani Kumar Mishra
======================================================
CORAM: HONOURABLE MR. JUSTICE A. ABHISHEK REDDY
ORAL ORDER
2 20-04-2026 Heard the learned counsel for the parties.
2. The present Writ Petition has been filed for the
following reliefs:-
“A. For direction to the
respondents to credit the cheque amount
with interest, lawfully deposited by the
petitioner.
B. For direction upon the
respondents to furnish CCTV footage of
dated 02.04.2025.
C. For direction for initiation of
appropriate action against erring bank
officials for their arbitrary, illegal and
mala fide acts.
D. For any other relief/reliefs
Patna High Court CWJC No.4632 of 2026(2) dt.20-04-2026
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for the petitioner is entitled under law as
well as on facts.”
3. It is the case of the petitioner that he has deposited
two cheques bearing Cheque No. 038927, amounting to Rs.
3,00,000/- and the Cheque No. 038928, amounting to Rs.
3,21,000/- with the Respondent-Bank on 02.04.2025, however,
the authorities have not credited the amount to the petitioner.
4. Learned counsel appearing on behalf of the
petitioner submits that the authorities have deliberately not
credited the amount and informed the petitioner on 08.04.2025
that the validity of the cheques deposited by the petitioner has
expired. Learned counsel submits that in case, CCTV footage is
verified it would be clear that the petitioner has deposited the
above said cheques on 02.04.2025 that is within the validity
period and therefore seeks a direction from this Hon’ble Court
to direct the Respondent-Bank to verify the CCTV footage and
credit the amount due to the petitioner.
5. Learned counsel appearing on behalf of the
Respondent-Bank has drawn the attention of this Court to the
pay slip filed by the petitioner for depositing the above
mentioned cheques which clearly shows that the same was
deposited by the petitioner on 08.04.2025.
6. A perusal of the cheques reveal that both the
Patna High Court CWJC No.4632 of 2026(2) dt.20-04-2026
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cheques are dated 05.01.2025 and it is clearly mentioned on the
cheques that the validly period of the cheques is three months
only.
7. Having regard to the same, this Court does not find
any merit in the present writ petition and the same is dismissed.
It is left open to the petitioner to avail the remedies as available
to him under the law.
(A. Abhishek Reddy, J)
shakir/-
U
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