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Bombay High Court

SHREE SHANTINATH STEELSversusTHE BOARD OF DIRECTORS OF ABHYUDAYA CO OP BANK LTD

Decided
Disposal
DISMISSED

Holding

Section 84 of the Multi‑State Co‑operative Societies Act, being a non‑obstante provision, validly confers jurisdiction to the arbitrator to decide the loan‑default dispute and the SARFAESI and RDB statutes do not oust that jurisdiction.

Summary

The petitioners, members of Abhyudaya Co‑op Bank, defaulted on loan repayments and the bank referred the dispute to arbitration under Section 84 of the Multi‑State Co‑operative Societies Act, 2002, also invoking the SARFAESI Act for security enforcement. The arbitrator issued awards which the petitioners challenged under Section 34 of the Arbitration and Conciliation Act, 1996, arguing that the arbitrator lacked jurisdiction and that recovery should proceed under the Recovery of Debts and Bankruptcy Act or SARFAESI. The Court held that Section 84 contains a non‑obstante clause granting exclusive arbitration jurisdiction, that the RDB Act itself permits a multi‑state co‑operative bank to opt for arbitration, and that the SARFAESI Act does not bar parallel arbitration proceedings. It further affirmed the arbitrator’s power to decide its own jurisdiction under Section 16 of the Arbitration Act. Consequently, the awards were upheld and the petitions dismissed.

Issues considered

  • The applicability of Section 84 of the Multi‑State Co‑operative Societies Act to a loan‑default dispute involving a co‑operative bank.
  • Whether the arbitrator can decide on its own jurisdiction under the Arbitration Act.
  • The effect of the SARFAESI Act and the Recovery of Debts and Bankruptcy Act on the arbitration proceedings.
  • Whether the non‑obstante clause in Section 84 overrides other statutes.

Legislation cited

Subjects

  • Arbitration
  • Jurisdiction
  • Multi‑State Co‑operative Societies Act
  • SARFAESI Act
  • Recovery of Debts and Bankruptcy Act
  • Loan default
  • Section 34 challenge
  • Non‑obstante clause
  • Banking

Judgment

                                                                              carbp-742-2025-group.doc


                                          IN THE HIGH COURT OF JUDICATURE AT BOMBAY
          Digitally signed                     ORDINARY ORIGINAL CIVIL JURISDICTION
          by SHAGUFTA
          QUTBUDDIN                                 IN ITS COMMERCIAL DIVISION
SHAGUFTA  PATHAN
QUTBUDDIN Date:
PATHAN    2026.02.12
          17:43:38                      COMMERCIAL ARBITRATION PETITION NO. 742 of 2025
          +0530
                                                             WITH
                                         INTERIM APPLICATION (LODGING) NO.1785 OF 2026
                                                               IN
                                        COMMERCIAL ARBITRATION PETITION NO. 742 of 2025

                              A. Navinchandra Steel Private Limited,
                              Having registered o(ce at 704,
                              Ecstasy Commercial Building, City of Joy,          ...Petitioner/
                              Nirmal Lifestyle, Jata Shankar Dosa Marg,
                                                                                    Applicant
                              Mulund (W), Mumbai - 400 080
                                        Versus
                              1. Board of Directors of the Abhyudaya Co-Op.
                                Bank Limited,
                                Having its administrative o(ce at:
                                K.K. Tower, Abhyudaya Bank Lane,
                                O<. G.D. Ambedkar Marg,
                                Parel Village, Mumbai - 400 012

                              2. The Authorized O(cer,
                                 Abhyudaya Co-op. Bank Ltd.,
                                 Having its administrative o(ce at:
                                 K.K. Tower, Abhyudaya Bank Lane,
                                 O<. G.D. Ambedkar Marg,
                                 Parel Village, Mumbai - 400 012

                              3. Shri V.N. Lothey (Patil)
                                 Arbitrator, Appointed u/s 84 of
                                 Multi-State Co-op Societies Act, 2002,
                                 NM Joshi Marg, Mahalaxmi,                       ...Respondents
                                 Mumbai 400 011

                                                            WITH
                                        COMMERCIAL ARBITRATION PETITION NO 200 OF 2025
                                                           WITH
                                             INTERIM APPLICATION NO.478 OF 2026


             Vishal Parekar/SQ Pathan                         1 of 17
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                                                IN
                           COMMERCIAL ARBITRATION PETITION NO 200 OF 2025

                 1. Shree Shantinath Steels
                   706, Ecstasy Commercial Bldg, City of Joy,
                   Nirmal Life Style Ltd.,
                   Jata Shankar Dosa Marg,
                                                                   ...Petitioner
                   Mulund (West), Mumbai – 400080

                 2. Nilaben Rajesh Soni
                   Proprietor of Shree Shantinath Steels
                   706, Ecstasy Commercial Bldg, City of Joy,
                   Nirmal Life Style Ltd.,
                   Jata Shankar Dosa Marg,
                   Mulund (West), Mumbai-400080.
                           Versus
                 1. Board of Directors of the
                    Abhyudaya Co-Op. Bank Limited,
                   Having its administrative o(ce at:
                   K.K. Tower, Abhyudaya Bank Lane,
                   O<. G.D. Ambedkar Marg,
                   Parel Village, Mumbai - 400 012

                 2. The Authorized O(cer,
                    Abhyudaya Co-op. Bank Ltd.,
                    Having its administrative o(ce at:
                    K.K. Tower, Abhyudaya Bank Lane,
                    O<. G.D. Ambedkar Marg,
                    Parel Village, Mumbai - 400 012

                 3. V.N. Lothey (Patil)
                    Arbitrator, Appointed u/s 84 of
                    Multi-State Co-op Societies Act, 2002,
                    NM Joshi Marg, Mahalaxmi,                      ...Respondents
                    Mumbai 400 011

                                              WITH
                               INTERIM APPLICATION NO.7412 OF 2025
                                                IN
                           COMMERCIAL ARBITRATION PETITION NO 200 OF 2025



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                 1. Nilaben Rajesh Soni
                   Proprietor of M/s. Shree Shantinath Steels
                   706, Ecstasy Commercial Bldg, City of Joy,
                   Nirmal Life Style Ltd.,
                                                                   ...Petitioner
                   Jata Shankar Dosa Marg,
                   Mulund (West), Mumbai-400080.
                           Versus
                 1. The Board of Directors of
                    Abhyudaya Co-op. Bank Limited,
                   Having its administrative o(ce at:
                   K.K. Tower, Abhyudaya Bank Lane,
                   O<. G.D. Ambedkar Marg,
                   Parel Village, Mumbai - 400 012

                 2. The Authorized O(cer,
                    Abhyudaya Co-op. Bank Ltd.,
                    Having its administrative o(ce at:
                    K.K. Tower, Abhyudaya Bank Lane,
                    O<. G.D. Ambedkar Marg,
                    Parel Village, Mumbai - 400 012

                 3. V.N. Lothey (Patil)
                    Arbitrator, Appointed u/s 84 of
                    Multi-State Co-op Societies Act, 2002,
                    NM Joshi Marg, Mahalaxmi,                      ...Respondents
                    Mumbai 400 011

                                              ——————
                Mr. Mathews Nedumpara a/w. Ms. Hemali Kurne and Mr. Dayanand, for
                the Petitioner.
                Mr. Madhur Rai a/w. Sanjiv P., Mr. Durgesh Telang and Mr. Yogesh Mishra
                i/b. PRS Legal, for Respondent Nos. 1 and 2.
                                              ——————

                                    CORAM :      SHARMILA U. DESHMUKH, J.
                                    RESERVED :   JANUARY 29, 2026
                                    PRONOUNCED : FEBRUARY 12, 2026




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                JUDGMENT:

                1.         Both the Petitions Eled under Section 34 of the Arbitration and

                Conciliation Act, 1996 (for short, “the Arbitration Act”) challenges the

                Award passed by the learned Arbitrator appointed under Section 84 of

                the Multi-State Co-operative Societies Act, 2002 (for short, “the MSCS

                Act”). Commercial Arbitration Petition No 200 of 2025 challenges the

                Award dated 3rd July, 2023 passed in Arbitration Case No

                ARB/ACB/VNL/2063 of 2021 and Commercial Arbitration Petition No

                742 of 2025 challenges the Award dated 5th December, 2022 passed in

                Arbitration Case No ARB/ACB/VNL/2055 of 2021. Common submissions

                were canvassed and both the Petitions are being disposed of by this

                common judgment.



                2.         Considering that submissions canvassed were conEned to legal

                submissions and did not assail the Endings of fact and rightly so in view

                of the restrictive scope of Section 34 of Arbitration and Conciliation

                Act, 1996, this Court has not referred to the facts of the case. Su(ce

                for our purpose is to state that by reason of default in repayment of

                Enancial assistance availed by the Petitioners, the Respondent Bank

                had invoked the provisions of Section 84 of Multi- State Co-operative

                Societies Act, 2002 and referred the Dispute to the arbitration of



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                Learned Arbitrator leading to passing of the impugned Awards. In

                addition, the Respondent bank also invoked the provisions of The

                Securitisation and Reconstruction of Financial Assets and Enforcement

                of Security Interest Act, 2002 (for short, “Sarfaesi Act”) for

                enforcement of security of mortgaged property.



                3.         The Endings of the learned Arbitrator can be broadly

                summarized as under :-



                (i) There is no dispute about availing of Enancial facilities and default

                occurred in payment of outstanding dues.

                (ii) The Petitioner is a member of the bank and therefore the dispute

                under Section 84 of the MSCS Act is maintainable before the Tribunal.

                (iii) The provision of sub Section 3 of Section 84 of MSCS Act empowers

                the arbitral tribunal to decide whether any particular dispute is

                entertainable before the Tribunal and for appointment of Tribunal no

                consent of the parties is required as the same is statutory arbitration.

                (iv) The MSCS Act prevails over the Sarfaesi Act and if the opponents

                are aggrieved      against the measures adopted by the bank under

                Section 13 of the Sarfaesi Act, the provision of Section 17 of the

                Sarfaesi Act provides the remedy.




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                4.         Mr. Nedumpara, learned counsel for the Petitioner would assail

                the jurisdiction of the Arbitrator to decide the Dispute under Section

                84 of the MSCS Act in view of the provisions of The Recovery of Debts

                and Bankruptcy Act, 1993 (for short, “RDB Act”) and Sarfaesi Act.

                According to him, it is the central legislation which will govern the

                proceedings for recovery of debts as banking is relatable to Entry 45 of

                List I of Seventh Schedule of Constitution of India. He points out to the

                stated object of the MSCS Act to contend that the object is the

                governance of co-operative societies and to consolidate and amend the

                law relating thereto. He submits that in contradistinction the

                provisions of the Sarfaesi Act and the RDB Act have been enacted with

                the stated object of adjudication and recovery of debts due to banks

                and Enancial institutions and matters connected thereto. To buttress

                the submission that recourse can be taken only to the provisions of

                RDB Act for recovery of dues by banks and Enancial institutions, he

                points out the provisions of Section 17 and Section 19 of the RDB Act.

                Drawing support from the said provisions, he contends that the proper

                procedure has been provided under the RDB Act and the dispute in the

                present case is in the realm of recovery of money, MSCS Act has no

                application.




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                5.         He submits that recovery of debt is permitted under the Sarfaesi

                Act, and the RDB Act and it is desirable that the recovery procedure be

                initiated in one forum. He submits that the Respondent Bank has

                invoked multiple jurisdiction as it has approached the Arbitrator under

                Section 84 of MSCS Act, Eled application under Sarfaesi Act and has

                also invoked Insolvency and Bankruptcy Code for declaring insolvency

                of the Petitioners. He submits that under the Micro, Small and Medium

                Enterprises Development Act, 2006 (for short, “MSME Act”),                    a

                mechanism is provided for resolution of distressed industries and the

                notiEcation dated 29th May, 2015 provides for revival and rehabilitation

                by formation of committee.



                6.         He would further submit that the MSCS Act has been enacted by

                the Parliament in exercise of powers under Article 252 of the

                Constitution of India and has acted as a delegatee of State Legislature.

                He submits that the subject of banking is relatable to Entry 45 of List I

                and co-operative societies is relatable to Entry 32 of List II of Seventh

                Schedule of Constitution of India. He submits that the Respondent

                Bank being co-operative bank, its banking activity is governed by law

                enacted under Entry 45 of List I              i.e   RDB Act and Sarfaesi Act

                considering the doctrine of pith and substance and to other operations

                apart from banking activities, laws enacted by the State Legislature will


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                apply. He submits that therefore it is the RDB Act which will apply and

                not MSCS Act.



                7.          He would assail the Learned Arbitrator’s Ending on its

                jurisdiction and would submit that the Arbitrator being appointed

                under the statute could not decide a challenge to its own jurisdiction.

                In support, he relies upon the decision in the case of Vidya Drolia and

                Ors. Durga Trading Corporation1.



                8.         Per contra, Mr. Rai, learned counsel for the Respondents would

                submit that under the provisions of section 84(2) of the MSCS Act, the

                dispute can be referred to arbitration as it is a dispute touching the

                business of the Society i.e. the recovery of loan. He would further point

                out that the learned Arbitrator has considered the arguments of the

                Petitioner that the Arbitrator cannot decide the challenge to its own

                jurisdiction and has held that the appointment of Arbitrator is under

                Section 84 by the Central Registrar which does not contemplate any

                consent of the parties. He would further submit that the objection that

                the Arbitrator cannot rule on its own jurisdiction has been rejected.

                He would further point out that the learned Arbitrator has held that

                once the party has obtained loan and has become member of the bank,

                1    (2019) 20 SCC 406


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                both the parties are bound by the provisions of MSCS Act being a

                special Act.



                9.         He would further submit that in the action taken under Section

                13 of the Sarfaesi Act, is for the purpose of securitisation of the

                Enancial assets and enforcement of security interest and not for

                recovery of debt. He submits that in view of Section 84 of MSCS Act, it

                is not necessary to approach the Tribunal under the RDB Act. He would

                submit that Section 37 of the Sarfaesi Act provides that the provisions

                of Sarfaesi Act are in addition to the other laws.



                10.        Rival contentions now fall for determination:



                11.        The Respondent Bank is a Multi-State Co-operative Society

                registered under the provisions of MSCS Act and carries on business of

                banking. The MSCS Act is a self contained legislation providing the

                mechanism for redressal of disputes under Section 84 of MSCS Act.

                RDB Act facilitates the recovery of dues by banks and Enancial

                institutions under the aegis of Tribunal established under the Statute

                without being burdened by the technicalities of Civil Procedure Code.

                Sarfaesi Act enables the banks, Enancial institutions and other secured

                creditors to recover their dues without intervention of Courts or


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                Tribunals. The contention of Mr. Nedumpara is that the mechanism of

                arbitration contained in MSCS Act gets excluded when the multi State

                co-operative banks seeks to recover the dues in which case the

                exclusive jurisdiction lies with the Tribunal under the RDB Act or

                Sarfeasi Act which are central legislations. The issue as to whether

                co-operative banks which are co-operative societies also are governed

                by Schedule VII List I Entry 45 or List II Entry 32 of Constitution of India

                and to what extent came up for consideration before the Constitution

                Bench of Hon’ble Apex Court in Pandurang Ganpati Chaugule vs

                Vishwasrao Patil Murgud Sahakari Bank Ltd2. The moot question was

                the applicability of Sarfaesi Act to co-operative banks. The Hon’ble

                Apex Court a(rmed that Sarfaesi Act will also apply to co-operative

                banks and Parliament was competent to amend Section 2(c) of Sarfaesi

                Act by adding sub-clause (iva) a multi State Co-operative bank. The

                Hon’ble Apex Court examined the scope of legislative Eeld covered by

                Entry 45 of List I i.e Banking and Entry 32 of List II of Seventh Schedule

                of Constitution of India to hold that multi state level co-operative

                societies registered under MSCS Act with respect to banking are

                governed by legislation related to Entry 45 of List I of Seventh

                Schedule of Constitution of India. It held that recovery of debt would

                be an essential function of banking institution and Parliament can

                2    (2020) 9 SCC 215


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                enact law under List I Entry 45 and it is open for Parliament to provide

                remedy under Section 13 of Sarfaesi Act. Co-operative bank’s entire

                operation and act of banking are governed by law enacted under List I

                Entry 45 i.e. Banking Regulation Act, 1949 and Reserve Bank of India

                Act under Entry 38 of List I. It held that no conLict has been created by

                providing additional procedure under Section 13 of Sarfaesi Act and it

                is open for bank to adopt procedure which it may choose.



                12.        The Hon’ble Apex Court thus upheld the legislative competence

                of the Parliament to provide the additional procedure for recovery

                under Section 13 of Sarfaesi Act and held that the provisions of Section

                2(1)(c)(iva) adding multi state co-operative bank is not ultra vires. Even

                if it is held that recovery of debts is banking activity and Parliament has

                the legislative competence to enact law and has enacted the law, the

                question       is whether the provisions of MSCS Act are excluded for

                seeking recovery of debts and exclusive jurisdiction is under RDB Act.

                The answer to this question can be found in the RDB Act itself. The

                statutory provision of RDB Act does not place an absolute embargo on

                the mechanism provided under the MSCS Act and on the contrary,

                admits of the right of a multi State co-operative society to initiate

                proceedings under MSCS Act to recover debts. By amendment Act 1 of

                2013, the RDB Act came to be amended and sub section (1A) and (1B)


Vishal Parekar/SQ Pathan                           11 of 17
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                came to be introduced in Section 19 of RDB Act, which governs the

                procedure for recovery of debt by a bank or Enancial institution by

                approaching the Tribunal established under the RDB Act. Sub sections

                (1A) and (1B) of Section 19 reads as under:

                           “(1A) Every bank, being multi State co-operative bank referred to in sub

                           clause (vi) of clause (d) of Section 2, may at its option, opt to initiate

                           proceedings under the Multi State Co-operative Societies Act, 2002(39 of

                           2002)   to recover debts, whether due before or after the date of

                           commencement of the Enforcement of the Security Interest and Recovery

                           of Debts Laws (Amendment) Act, 2012 from any person instead of making

                           an application under this Chapter.



                           1B. In case, a bank being, multi State co-operative bank referred to in sub-

                           clause (vi) of clause (d) of Section 2 has Eled an application under this

                           Chapter and subsequently opts to withdraw the application for the

                           purpose of initiating    proceeding under the Multi-State Co-operative

                           Societies Act, 2002(39 of 2002) to recover debts, it may do so with the

                           permission of the Tribunal and every such application seeking permission

                           from the Tribunal to withdraw the application made under sub-section (1A)

                           shall be dealt with by it as expeditiously as possible and disposed of within

                           thirty days from the date of such application.



                           Provided that in case the Tribunal refuses to grant permission for

                           withdrawal of the application Eled under this sub-section, it shall pass such

                           orders after recording the reasons therefor.”




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                13.        The amendment gives an      option to multi-State co-operative

                bank deEned in Section 2(vi)(d) of RDB Act to initiate the proceeding

                under MSCS Act instead of approaching the Tribunal for recovery of its

                debts. Even accepting that the business of banking is covered by

                legislations relatable to Entry 45 of List I of Seventh Schedule to the

                Constitution of India, the central legislation i.e. RDB Act itself permits

                the Respondent No 1 Bank to choose the mechanism of recovery

                provided under the MSCS Act. It is only where the application is Erst

                Eled before the Tribunal under RDB Act and thereafter the bank seeks

                to exercise the option to initiate proceedings under MSCS Act, that the

                Tribunal is required to consider whether permission should be granted

                or not. In the present case, the Respondent Bank has chosen to initiate

                proceedings under the MSCS Act, instead of approaching the Tribunal,

                which cannot be said to be without jurisdiction. As the option is made

                available by the statute itself, it cannot be accepted that the exclusive

                jurisdiction vested in the Tribunal constituted under the RDB Act and

                Arbitrator had no jurisdiction under Section 84 of MSCS Act.



                14.        It is also pertinent to note that Section 84 of the MSCS Act is

                prefaced with non obstante clause which provides that notwithstanding

                anything contained in any other law for the time being in force, if any



Vishal Parekar/SQ Pathan                           13 of 17
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                dispute touching the constitution, management, or business of a multi-

                state co-operative society arises among the classes set out in clause (a)

                to (d) of sub Section (1) of Section 84, the same shall be referred to

                arbitration. The non obstante clause gives overriding e<ect if there is

                anything inconsistent with any other law. Sub clause (a) of sub Section

                (2) of Section 84 provides that a claim by the multi-state co-operative

                society for any debt or demand due to it from a member is deemed to

                be a dispute touching the constitution, management or business of the

                multi-state co-operative society. Though initially it was sought to be

                contended by Mr. Nedumpura, that the Petitioner is not a member of

                the Society, upon instruction, he would fairly concede that, the

                Petitioner is a member of the Respondent Bank. In any event there is

                Ending of fact by the Learned Arbitrator that the Respondent Bank has

                placed on record the documents of membership application form

                signed by the Petitioners. The Respondent being a society carrying on

                business of banking, the advancing or recovery of debt due to it

                constitutes business of the society and claim of multi state co-

                operative society for any debt or demand due to it from its member is

                squarely covered by Section 84 of MSCS Act. There is no provision of

                MSME Act pointed out which mandates the applicability of MSME Act

                before adopting remedy under Section 84 of MSCS Act.




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                15.        Section 84(5) of MSCS Act makes applicable to the provisions of

                Arbitration and Conciliation Act, 1996 to arbitration under Section 84

                of MSCS Act unless provided otherwise. Section 16 of the Arbitration

                and Conciliation Act, 1996 Act provides that the arbitral tribunal is

                competent to rule on its jurisdiction and accordingly the Arbitrator in

                the present case has upheld its jurisdiction to decide the Dispute.        I

                am therefore not inclined to accept the submission that the learned

                Arbitrator could not have ruled upon its own jurisdiction.



                16.        Dealing next with the objection that having invoked Section 13

                of Sarfaesi Act for recovery of its dues, it was not open for Respondent

                bank to initiate proceedings under MSCS Act, the position is settled

                that Section 37 of Sarfaesi Act does not bar the application of other

                laws.       Section 35 of Sarfaesi Act provides for over-riding e<ect of

                Sarfaesi, which will apply only in event conLict is demonstrated. In

                present case, no conLict is demonstrated between MSCS Act and

                Sarfaesi Act.            in Indiabulls Housing Finance Limited vs Deccan

                Chronicle Holdings Limited & Ors. 3, one of the issues before the

                Hon’ble Apex Court was whether the provisions of Sarfaesi Act can be

                invoked by the amalgamated company when the original lender does

                not fall within the purview of Sarfaesi Act but the amalgamated

                3    (2018) 14 SCC 783


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                company does and whether the invocation of arbitration proceedings

                bars the initiation of proceedings under Sarfaesi Act. The Hon’ble Apex

                Court on the aspect of simultaneous application of the Arbitration Act

                and Sarfaesi Act held that Sarfaesi Act is a special enactment which

                provides speedy remedy to the banks and Enancial institution and

                merely because steps are taken under the Arbitration Act which is

                statute of general nature would not mean that remedy under the

                special statute is foreclosed. It noted the decision in Transcore vs

                Union of India & Anr.4, which had rejected the applicability of doctrine

                of election and held that the Enancial institution is not precluded form

                taking steps under Sarfaesi Act simply because it has availed remedy

                under RDB Act. It noted that Sarfaesi Act was enacted to regulate

                securitisation and reconstruction of Enancial assets and enforcement

                of security interest and matters connected therein. Liquidation of

                secured interest through a more expeditious procedure is what has

                been envisaged. Sarfaesi proceedings are in the nature of enforcement

                proceedings while arbitration is an adjudicatory process. In M.D Frozen

                Foods Exports Pvt Ltd & Ord vs Hero Fincorp Ltd. 5 it was held that

                Sarfaesi and arbitration proceedings can go hand in hand and one

                remedy does not bar the other.        The judicial pronouncements re-

                inforces and reiterates the complementary existence of Sarfaesi with
                4    (2008) 1 SCC 125
                5    (2017) 16 SCC 741


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                other enactment pertaining to recovery of debts due to banks and

                Enancial institutions.



                17.        The enforcement of security interest by invoking the provisions

                of Sarfaesi Act cannot be pressed into service to oust the jurisdiction of

                Arbitrator under Section 84 of MSCS Act, which is an adjudicatory

                process. The impetus is to provide speedy and expeditious procedure

                for recovery of debts and there is no prohibition demonstrated from

                the MSCS Act or Sarfaesi Act against initiation of proceedings under

                one enactment upon proceedings being initiated under the other

                enactment. There is no relevance shown of the decision of Vidya

                Drolia & Ors (supra) concerning the issue of certain disputes being non

                arbitrable in context of present proceedings.



                18.         In light of the above discussion, there is no warrant for

                interference with the Awards dated 5th December, 2022 and 3rd July,

                2023. Resultantly the Petitions fail and stands dismissed.



                19.        Interim Applications do not survive for consideration and stands

                dismissed.



                                                         [SHARMILA U. DESHMUKH, J.]


Vishal Parekar/SQ Pathan                            17 of 17


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