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Monish Rizvi   15 October 2025

Ni act

The accused had given the cheque for partial payment, but the complainant filled the cheque with the full amount and presented it to the bank. The cheque was dishonoured, and now the complainant has filed a case under the Negotiable Instruments Act against the accused. What defence can the accused take, and does this situation constitute an offence under the NI Act?


 16 Replies

Ravikant Mani Tripathi (Advocate at District and session court Sultanpur Uttar Pradesh )     15 October 2025

It all depends upon how your lawyer frame the case normally there is no defence in NI ACT 

1 Like

Monish Rizvi   15 October 2025

Sir, I am representing the accused in this case, and I have to cross-examine the complainant. I believe that if the cheque was issued for partial payment, but the complainant presented it in the bank for the full amount, then it does not constitute a legally enforceable debt under Section 138 of the NI Act. Am I interpreting this correctly, sir? Please guide me.

Ravikant Mani Tripathi (Advocate at District and session court Sultanpur Uttar Pradesh )     15 October 2025

What he is saying doesn't matters,There should exist a Bonafide debt and only that needs to be proved in the court.

1 Like

Monish Rizvi   15 October 2025

Ok thank you sir

Advocate Bhartesh goyal (advocate)     16 October 2025

If the drawer issues blank signed cheque means he gives the authority to payee to fill it and present it for encashment and that will presumed a legally enforceable debt or liability unless contrary is proved so how can you prove that cheque was issued for partition payment? Have your client replied the notice and took defence ? Better go for settlement. 

1 Like

Monish Rizvi   16 October 2025

The complainant himself stated in his complaint that the accused had given the cheque for partial payment.

T. Kalaiselvan, Advocate (Advocate)     16 October 2025

If the cheque was issued for a partial amount and the payee fills in a higher amount, the cheque no longer represents the actual legally enforceable debt owed at the time of presentation. The offense under Section 138 of the NI Act only applies if the dishonored cheque was for a legally recoverable debt.

Besides you have stated that the complainant himself has admitted that the cheque was given for partial payment only, hence there is no legally liable debt.

The Supreme Court has explicitly ruled that no offense under Section 138 is made out if a cheque is presented for the full amount without acknowledging and endorsing any partial payments made by the drawer.

 Filling in a higher amount than authorized on a signed blank cheque can be argued as a "material alteration" without the drawer's consent, which could invalidate the instrument itself. The accused can use this as a defense to rebut the legal presumption that the cheque was issued to discharge a debt. 

2 Like

Monish Rizvi   16 October 2025

Thank you very much sir.

T. Kalaiselvan, Advocate (Advocate)     16 October 2025

You are welcome for your appreciations.

Dr. J C Vashista (Advocate )     16 October 2025

Cross-examination of complainant has to be based on matrix of facts, which  cannot be presumed.

1 Like

P. Venu (Advocate)     16 October 2025

May be, the complaint admits the cheque to be for partial payment of the debt. But does the complaint admit that amount of the cheque is more than the so-called partial amount intended to be paid? 

According to the compalint, what is the amount debt owed and what is the amount of the cheque? Are the amounts same?

Does the complaint, directly or indirectly, suggest that a blank cheque had been given/taken and that the amount was filled up by the complainant?

Monish Rizvi   16 October 2025

Sir, in the complaint, a debt of ₹50,000 has been mentioned, and it has also been admitted that the cheque was given for partial payment. But in reality, the complainant presented the cheque for the full amount of ₹50,000.

P. Venu (Advocate)     16 October 2025

You need to take advantage of this aspect during cross-examination and formulate defence based on the deposition.

1 Like

Dr. MPS RAMANI Ph.D.[Tech.] (Scientist/Engineer)     20 October 2025

I do not understand what is this partial payment and full payment w.r.t. a cheque. A cheque is drawn for a certain amount. The payee cannot on his own alter the cheque.


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