Mandeep Kaur v. State of Punjab

-1-o o INoTHEoHIGHoCOURToOFoPUNJABoANDoHARYANAo AToCHANDIGARHo o o CRM-M-36501oofo2022o Reservedoon:o-o02.03.2023o Pronouncedoon: - 13.03.2023o o

MandeepoKauro ......Petitionero o Versuso o StateoofoPunjaboandoanothero ......Respondentso o o CRM-M-o46225oofo2022o o MandeepoSingho ......Petitionero o Versuso o StateoofoPunjaboandoanothero ......Respondents

CORAM:oHON'BLEoMR.oJUSTICEoNAMIToKUMARo o Arguedoby:o-oMr.oMohd.oYousaf,oAdvocate,oforotheopetitioner(s).o o o o Mr.oAdhirajoSingh,oAAG,oPunjab.o o o o Mr.oPauloS.oSaini,oAdvocate,oandoo o o Ms.oKomaljitoKaur,oAdvocate,ofororespondentoNo.2.o o NAMIToKUMAR,oJ.o o o o Thisoorderoshallodisposeoofoaforementionedotwoopetitionso asobothohaveobeenofiledounderoSectiono438oCr.P.C.oseekingoanticipatoryo bailoinocaseoFIRoNo.111odatedo21.07.2022ounderoSectionso406,o409,o 120-BoIPC,oregisteredoatoPoliceoStationoMukerian,oDistrictoHoshiarpur.o -2-o o o Forotheosakeoofobrevity,ofactsoareoculledooutofromoCRM-M-36501oofo2022.o o o Briefo factso ofo theo caseo areo thato Sunilo Tuli,o Senioro Divisionalo Manager,o Nationalo Insuranceo Companyo Limited,o Brancho MukerianomovedoanoapplicationoagainstoMandeepoSingho(petitioneroino CRM-M-46225oofo2022),oJyotioSharma,oMandeepoKauro(petitioneroino CRM-M-36501oofo2022),oManjitoSinghoandoManinderoSinghoregardingo embezzlementoofoGovernmentofunds.oItohasobeenoallegedoinotheosaido applicationo thato petitioner-Mandeepo Singho sono ofo Gurcharano Singho residentoofoHouseoNo.o1/104oGuruoRavidassoNagar,oMaqsudanoDistt.o JalandharowasoworkingoasoAssistantoinotheoofficeoofoNationaloInsuranceo Companyo Limited,o Brancho Mukeriano sinceo 25.12.2013.o Heo waso assignedodutyoofoprocessingotheoclaimsoonocomputer.oSomoRaj,oBrancho Managero broughto intoo theo noticeo ofo Sunilo Tulio Senioro Divisionalo Manageroregardingoembezzlementoinotheoaccountoofotheocompanyoando duringo inquiryo ito waso foundo thato petitioner-Mandeepo Singho haso committedo embezzlemento too theo tuneo ofo Rs.o 75,34,803/-.o o Eveno theo receiptsodepositedobyopetitioner-MandeepoSinghowereofoundotoobeofake.oo Therefore,otheoFIRowasocameotoobeoregistered.o o o Petitioner-Mandeepo Kauro filedo applicationo beforeo theo CourtoofolearnedoAdditionaloSessionsoJudge,oHoshiarpur,oforograntoofo anticipatoryobail,owhichowasodismissedovideoordersodatedo08.08.2022.oo Aggrievedoagainstotheosaidoorder,opetitionerohasofiledoinstantopetitiono bearingoCRM-M-36501oofo2022oseekingoanticipatoryobail,owhichocameo -3-o upoforohearingobeforeothisoCourtoono18.08.2022oandofollowingoorderowaso passed:o-o "ThisopetitionohasobeenofiledobyotheopetitionerounderoSectiono 438o Cr.P.C.,o seekingo anticipatoryo bailo ino FIRo No.111o datedo

21.07.2022,o undero Sectionso 406,o 409o ando 120-Bo IPC,o registeredoatoPoliceoStationoMukerian,oDistrictoHoshiarpur.oo Counselo foro theo petitionero contendso thato ao sumo ofo Rs.15,08,000/-ohasobeenodepositedoinocashobyotheohusbandoofo theopetitionero–oMandeepoSingh,owhooisotheomainoaccused,o witho theo Nationalo Insuranceo Companyo Limited,o Mukeriano Branch.oHeohasofurtheroreferredotootheoreceiptsoAnnexureoP-

2.oo Noticeoofomotionoforo02.11.2022.oo Mr.o Ramandeepo Sandhu,o Senioro DAG,o Punjabo putso ino appearanceo ando acceptso noticeo ono behalfo ofo theo respondento no.1-State.oCopyoofotheopaperobookobeosuppliedotoohimoduringo theocourseoofotheoday.oo Ono oralo requesto ofo learnedo counselo foro theo petitioner,o complainant,o namely,o theo Nationalo Insuranceo Companyo Limited,oMukerianoBranchoisoimpleadedoasorespondentoNo.2.oo Officeo too carryo outo necessaryo correctiono ino theo `Memoo ofo Parties'.oo Letonoticeobeoissuedotootheonewlyoimpleadedorespondentono.2o foro02.11.2022.o TheolearnedoStateocounselotoofileotheostatusoreportoinothisocaseo onotheonextodateoofohearing.oo Respondento no.2o iso alsoo directedo too fileo theiro response,o particularlyo witho regardo too theo contentionso raisedo byo theo counseloforotheopetitioner,oasorecordedoabove.oo Inotheomeantime,oarrestoofotheopetitioneroshalloremainostayed.o However,o theo petitionero shallo joino investigationo beforeo theo InvestigatingoAgency/Officeroasoandowhenocalledouponotoodooso.oo However,oifotheocontentionsoofotheocounseloforotheopetitionero areofoundotoobeoincorrect,otheopetitionoshallobeodismissedowitho exemplaryocosts."o -4-o o o Thereafter,o petitioner-Mandeepo Singho (husbando ofo petitionero Mandeepo Kaur)o filedo CRM-M-46225o ofo 2022o seekingo anticipatoryobailoinotheopresentoFIR,oinowhichonoticeoofo motionowaso issuedoono06.01.2023.o o o Statuso reporto ono behalfo ofo theo Stateo ando shorto replyo ono behalfooforespondentoNo.2-InsuranceoCompanyohaveobeenofiled,owhicho areo alreadyo ono record.o o Relevantoportiono ofo theoshorto replyo filedoono behalfooforespondentoNo.2-InsuranceoCompanyoreadsoasounder:o-o "4.o Thato theo briefo factso ofo theo caseo whicho ledo too theo registrationo ofo FIRo No.0111o datedo 21.07.2022o undero Sectiono 406,o 409,o 120-Bo ofo IPCo ato Policeo Stationo Mukerian,oagainstotheopetitioneroMandeepoKauroalongwitho co-accusedo Mandeepo Singho (husband),o Jyotio Sharma,o Manjito Singho ando Manindero Singho areo detailedo hereunder:-o a.o Mandeepo Singho sono ofo Gurcharano Singh,o i.e.o theo husbandoofotheopetitionerowasoappointedoasoAssistantoinotheo respondento Insuranceo Company,o video lettero dated.o

30.11.2013o ando waso postedo ino theo Brancho Officeo ato Mukeriano w.e.f.o 27.12.2013o whereo heo waso assignedo theo workoofoprocessingoofoclaimsoonotheocomputer,opertainingo toodamage/lossotooinsuredovehicles.o b.oOno30.03.2020,oSomoRaj,oBranchoManager,oMukeriano BranchoOffice,oNationaloInsuranceoCompanyoLtd.obroughto too theo noticeo ofo Sunilo Tuli,o Senioro Divisionalo Manager,o Divisionalo Office,o Nationalo Insuranceo Companyo Ltd.o Pathankoto thato ao fraudo haso beeno committedo witho theo accountso ofo theo respondento insuranceo companyo ato MukerianoBranchoOffice.o c.oUponoreceiptoofotheoaforesaidoinformation,oaofactofindingo inquiryowasoconductedobyoanoinquiryocommitteeoconstitutedo -5-o byoofotheorespondentoinsuranceocompany,oUponothorougho investigationo intoo theo mattero conductedo byo theo saido inquiryocommittee,oitowasorevealedothatoaohugeoamountoofo Rs.75,34,803/-o waso transferredo fromo Accounto No.031-248396-908oofotheorespondentoinsuranceocompanyowitho HSBCo Bank,o byo Mandeepo Singho fraudulentlyo byo misusingo hiso ID,o intoo variouso banko accountso detailedo hereunder:-o i.oAnoamountoofoRs.13,34,710/-otransferredointooAccounto No.33840661368oofoSBI,oPuranaoRailwayoRoadoBranch,o Jalandhar,oofoJyotioSharmaow/ooSumiroSharma,oresidentoofo 283-B,oAddaoHoshiarpuroRoad,oLakshmipura,oJalandhar,o duringotheoperiodofromo07.12.2018otoo16.09.2019.o ii.o Ano amounto ofo Rs.3,50,000/-o transferredo intoo Accounto No.640110110005989oofoBankoofoIndia,oMaioHiranoGateo Branch,oJalandhar,oofoJyotioSharmaow/ooSumiroSharma,o residentoofo283-B,oAddaoHoshiarpuroRoad,oLakshmipura,o Jalandhar,o duringo theo periodo fromo 11.06.2019o too

21.08.2019.o iii.oAnoamountoofoRs.15,08,015/-otransferredointooaccounto No.3920001500021694o ofo PNB,o KMVo Collegeo Branch,o Jalandhar,o ofo Mandeepo Kauro wifeo ofo Mandeepo Singh,o residento ofo Houseo No.1/104,o Maqsoodan,o Jalandhar,o duringotheoperiodofromo17.05.2017otoo20.03.2020.o iv.o Ano amounto ofo Rs.27,45,028/-o transferredo intoo jointo accounto No.916010028013032o ofo Axiso Bank,o Brancho Mukerian,oofoMandeepoSinghoandoManjitoSinghos/ooSh.o Atmao Singh,o residento ofo Mehako Motoro nearo Kalio Matao Mandir,oTalwara,oduringotheoperiodofromo17.05.2017otoo

03.01.2019.o v.oAnoamountoofoRs.15,00,000/-otransferredointooaccounto No.3489000106092936o ofo PNB,o Brancho Tandao Road,o Beriwal,oofoManinderoSinghos/ooSukhchainoSingh,oresidento -6-o ofo Houseo No.1/104,o Maqsoodan,o Jalandharo (brother-in-lawoofoMandeepoSingh)oono19.11.2019.o vi.o Ano amounto ofo Rs.97,050/-o transferredo intoo accounto No.37792183237oofoSBIoDashmeshoNagar,oMukerian,oofo MandeepoSinghohimself.o d.o Thus,o ito waso foundo duringo theo facto findingo inquiry/investigationo conductedo byo theo saido inquiryo committeeothatoMandeepoSinghoinoconnivanceowithoothero personso mentionedo aboveo ino parao 4(c)o committedo embezzlemento ofo ao hugeo amounto totalingo Rs.75,34,803/-o fromo theo banko accounto ofo theo respondento insuranceo company.o e.oItoisopertinentotoomentionothatoduringotheofactofindingo inquiry/investigation,orespondentopartyoproducedocopiesoofo someoreceiptsoofodifferentodatesoallegedlyoshowingodeposito ofo someo casho amounto witho theo respondento insuranceo company.o However,o upono investigation,o ito waso revealedo thato allo theo receiptso ofo differento dateso wereo havingo theo sameo commono receipto numbero i.e.o Receipto No.401506/o MKN/19.o Mandeepo Singho producedo ao copyo ofo receipto No.401506o datedo 03.05.2019o showingo deposito ofo ano amounto ofo Rs.42,45,000/-.o However,o ono checkingo theo accountoofoMandeepoSingh,oitowasofoundothatoonlyoaosumoofo Rs.1,23,500/-o waso withdrawno fromo hiso banko accounto duringotheoperiodofromo27.05.2017otoo11.04.2020.o f.o Mandeepo Singho alsoo producedo ao receipto No.401506o datedo 06.01.2020o showingo deposito ofo ano amounto ofo Rs.15,00,000/-o byo Manindero Singho (hiso brother-in-law)o witho theo respondento insuranceo company.o However,o ono checkingotheorecord,onooentryoofowithdrawaloofoanyoamounto fromo theo banko accounto ofo Manindero Singho duringo theo periodofromo29.11.2019otoo06.01.2020owasofound.o g.ooMandeepoSinghoalsooproducedofouroreceiptsoshowingo RAVINDER SINGH deposito ofo ano amounto ofo Rs.o 14,09,000/-o byo hiso wifeo -7-o Mandeepo Kaur,o intoo theo accounto ofo theo respondento insuranceocompanyoasodetailedohereunder:-o i.o receipto No.401506/MKN/19o datedo 27.04.2019o Rs.3,10,000o ii.o receipto No.o 401506/MKN/19o datedo 21.06.2019o Rs.4,30,000o iii.o receipto No.o 401506/MKN/19o datedo 11.10.2019o Rs.2,69,000o iv.o receipto No.o 401506/MKN/19o datedo 30.12.2019o Rs.4,00,000o o However,o ono checkingo theo accounto ofo Mandeepo Kaur,oitowasofoundothatoonlyoaosumoofoRs.o1,16,000owaso withdrawnofromoherobankoaccountoduringotheoperiodofromo

17.05.2017otoo02.04.2020.o h.oItoisofurtherosubmittedothatofromotheoperusalooforeceipto No.401506odatedo22.07.2019oofoRs.13,29,650oandoreceipto No.401506odatedo31.08.2019oproducedobyoJyotioSharma,oito waso foundo thato onlyo ano amounto ofo Rs.5,60,000/-o waso withdrawnofromobothotheobankoaccountsoofoJyotioSharmao duringotheoperiodofromo11.06.2019otoo31.09.2019.o i.o o Theo findingso ofo theo facto findingo inquiryo committeeo revealedothatotheoallegationsoofofraudoandoembezzlemento ofo fundso ofo theo respondento insuranceo companyo too theo tuneo ofo Rs.75,34,803/-o againsto theo petitionero Mandeepo Kauro ando co-accusedo Mandeepo Singh,o Jyotio Sharma,o ManjitoSinghoandoManinderoSingh,ostoodoproved.o j.oTheoinquiryoreportosubmittedobyotheofactofindingoinquiryo committeeo recommendingo registrationo ofo ao caseo againsto theoaccusedopersonsowasosentotootheoIncharge,oEconomico Offenceso Wing,o Hoshiarpur,o whoo aftero havingo goto conductedoanoinquiryointootheomatterothroughoASIoJasbiro Singh,oE.O.oWing,oHoshiarpur,ofoundothatoMandeepoSingho committedoanoembezzlementotootheotuneoofoRs.75,34,803/-o RAVINDER SINGH andothatotheoreceiptsoproducedobyoMandeepoSinghoshowingo -8-o depositoofomoneyodetailedoinoparao4o(g)owereoalsoofoundotoo beofake.oOnotheobasisoofosaidoinquiryoreport,otheoIncharge,o E.O.oWing,oHoshiarpur,orecommendedofororegistrationoofoao caseo underoSectiono 406,o 409,o 120-BoofoIPCo againstotheo petitioneroMandeepoKaur,oMandeepoSingh,oJyotioSharma,o ManjitoSinghoando ManinderoSinghoando sento theo enquiryo reportotootheoSenioroSuperintendentoofoPolice,oHoshiarpur,o forofurtheroaction,owhooapprovedotheoinquiryoreportoando directedo SHOo P.S.o Mukerian,o Districto Hoshiarpur,o too registerotheocaseoandoinvestigateotheomatter.oThisoisohowo theoinstantoFIRoagainstotheopetitioneroalongwithootheroco-accusedopersonsowasoregistered.o k.ooOnotheobasisoofotheoaforesaidoinquiryoreport,oMandeepo Singhoi.e.otheohusbandoofotheopetitionerowasoplacedoundero suspensiono ono 22.06.2020o byo theo respondento insuranceo company.o l.ooSubsequently,oMandeepoSinghoi.e.otheohusbandoofotheo petitionerowasochargeosheetedobyotheorespondentoinsuranceo company,ovideomemorandumodatedo07.06.2022,oaocopyoofo whicho iso appendedo herewitho aso Annexureo 'R-1',o foro misconductoforohavingocommittedotheoaforesaidofraudoando embezzlemento ofo fundso ofo theo respondento insuranceo company.o m.o Basiso theo aforesaido memorandum,o ao full-fledgedo departmental/o disciplinaryo proceedingso wereo conductedo againsto Mandeepo Singh,o undero Ruleo 25o ofo theo Nationalo Insuranceo Companyo (Conduct,o Disciplineo ando Appeal)o Rules,o2014,oasoamendedoupotoodate.oUponoconclusionoofo theo saido departmentalo proceedings,o theo inquiryo officero submittedohisoinquiryoreportodatedo21.10.2022,owhereinoallo theo chargeso leveledo againsto Mandeepo Singho haveo beeno proved/oestablished.o

5.ooThatotheocontentionoofotheopetitionerothatoaosumoofo RAVINDER SINGH Rs.15,08,000/-ohasobeenodepositedoinocashobyotheohusbando -9-o ofo theo petitionero -o Mandeepo Singh,o whoo iso theo maino accused,owithotheoNationaloInsuranceoCompanyoLimited,o MukerianoBranch,oisoabsolutelyofalse,owrong,oincorrecto andohenceovehementlyodenied.oTheodocumentsoannexedo asoAnnexureoP-o2'owithotheopetitionoreliedouponobyotheo petitionero too supporto hero aforesaido contentiono areo alsoo absolutelyo false,o fake,o forgedo ando fabricated.o Ito iso specificallyo ando categoricallyo assertedo thato theo respondento insuranceo companyo nevero receivedo anyo amount,owhatsoever,oinocashooroanyootheromodeofromotheo petitionero oro anyo othero persono ando nevero issuedo theo documentsoannexedoasoAnnexureo'P-2'.o

6.oThatoitoisofurtherorespectfullyosubmittedothatoitoappearso fromo theo documentso annexedo aso Annexureo 'P-2'o thato theseo documentso haveo beeno forgedo ando fabricatedo byo scanning/o copying/o pastingo theo lettero heado ofo theo respondento insuranceo companyo ando byo forgingo theo signatureso ofo theo Brancho Managero fromo someo officialo documents.o Ito iso specificallyo ando categoricallyo assertedo thatotheodocumentsoannexedoasoAnnexureo'P-2'ohaveonoto beenoissuedobyotheorespondentoinsuranceocompany.oItoiso furtheroassertedothatotheorespondentoinsuranceocompanyo nevero receivedo anyo sucho typeo ofo amountso ino casho ono accountoofoclaimopaymentsoofoHerooTwooWheelerodealerso eitherofromoMandeepoSinghoorofromoanyootheroperson.oIto iso furthero assertedo thato theo respondento insuranceo companyoneveroissuedoorosignedosuchotypeoofodocumentso too anyoneo ono behalfo ofo theo respondento insuranceo company.o Theo falsehoodo ofo theo allegedo documents/o receiptso annexedo aso Annexureo P-2',o standso fullyo establishedofromotheofactothatotheosaidoallegedodocumentso areo noto ino theo formato prescribedo byo theo respondento insuranceocompanyo(company'soonlineopaymentoreceipt).o RAVINDER SINGH Aboveoall,othereoisoabsolutelyonoopracticeoinotheoofficesoofo -10-o theorespondentoinsuranceocompanyotooissueosuchotypeoofo manualoreceipts.o

7.ooThatotheostatementomadeobyotheopetitionerobeforeothiso Hon'bleoCourtoono18.08.2022otootheoeffectothatoaosumoofo Rs.o 15,08,000/-o haso beeno depositedo ino casho byo theo husbando ofo theo petitionero -o Mandeepo Singh,o witho theo respondento insuranceo company,o Mukeriano Branch,o throughodocuments/oreceiptsoAnnexureo'P-2',oalsoostandso totallyo falsifiedo fromo theo recordso ofo theo respondento insuranceo companyo especiallyo theo Collectiono Registero maintainedobyo Mukeriano Branchoaso wello aso Collectiono Receiptso issuedo thereof.o Ino ordero too authenticateo theo aforesaido assertion,o ano extracto copyo ofo theo Collectiono RegisteroalongwithosomeoofotheoCollectionoReceiptsoofotheo relevantodateso(asomentionedoinoAnn.oP-2)oi.e.o26.04.2019o (officeo closedo ono 27.04.2019o dueo too ao holidayo beingo Saturday),o 21.06.2019,o 11.10.2019o &o 30.12.2019o areo appendedoherewithoasoAnnexureo'R-2',o'R-3',o'R-4'oando'R-5'o Colly.,orespectively.oAoperusaloofoCollectionoRegisteroofoallo theo aforesaido relevanto dateso clearlyo showso thato theo respondento insuranceo companyo dido noto receiveo anyo amount,owhatsoever,oinocashooroanyootheromodeofromotheo petitionerooroanyootheroperson.oConsequently,otheoquestiono ofo issuanceo ofo anyo collectiono receipto aso allegedo byo theo petitionero doeso noto ariseo ato all.o Moreover,o ao carefulo examinationo ofo theo allegedo documentso /o receiptso Annexureo'P-o2'oandotheocollectionoreceiptsoAnnexureo'R-2'otoo'R-5'oactuallyoissuedobyotheorespondentoinsuranceo companyomakesoitocrystaloclearothatotheoallegedoreceiptso Annexureo 'P-2'o areo absolutelyo false,o fake,o forgedo ando fabricated.o

8.o o Thato ito iso furthero respectfullyo submittedo thato theo petitionero haso noto approachedo thiso Hon'bleo Courto witho RAVINDER SINGH cleano handso ino aso mucho aso theo petitionero haso triedo too -11-o misleadothisoHon'bleocourtobyomisrepresentationoofofactso withoanoulterioromotiveotoosucceedoinotheopetitionowhichoiso clearlyoevidentofromotheomotionoorderodatedo18.08.2022o passedo byo thiso Hon'bleo Courto ino theo instanto petition.o Consequently,o theo presento petitiono deserveso too beo dismissedowithoexemplaryocosts."o o o Learnedo counselo foro theo petitioner(s)o contendedo thato theo petitioneroisoinnocentoandohasobeenofalselyoimplicatedoinotheopresento case.ooSheoisoreadyoandowillingotoojoinotheoinvestigation.ooHeofurthero submittedo thato sheo iso noto involvedo ino anyo othero case.o o Noo custodialo interrogationoinotheopresentocaseoisorequired.ooTherefore,osheomayobeo grantedotheoconcessionoofoanticipatoryobail.o o o Perocontra,olearnedocounselofororespondentoNo.1-Stateoando learnedo counselo foro respondento No.2-Insuranceo Companyo contendedo thatopetitioner-MandeepoSingh,owhoowasoworkingoasoAssistantoinotheo insuranceo companyo ando waso postedo ato Mukeriano Brancho w.e.f.o

27.12.2013,o waso assignedo theo worko ofo processingo ofo claimso ono theo computero pertainingo too damage/losso too insuredo vehicles,o committedo fraudowithotheoaccountsoofoinsuranceocompanyoandoonoinquiry,oitowaso revealedothatoanoamountoofoRs.75,34,803/-owasofraudulentlyotransferredo fromotheoaccountsooforespondentoNo.2-InsuranceoCompanyowithoHSBCo Bank,obyopetitioner-MandeepoSinghobyomisusingohisoIDointoovariouso bankoaccountsoofoJyotioSharma,ohisowifeoMandeepoKauro(petitioneroino CRM-M-36501o ofo 2022),o Mandeepo Singho ando Manjito Singho (beingo jointoaccountoholders),oManinderoSingho(brother-in-lawoofopetitioner-Mandeepo Singh)o ando too hiso owno account.o o Consequently,o FIRo ino questiono waso registeredo againsto petitioners-Mandeepo Singho ando -12-o MandeepoKauro(husbandoandowife),oJyotioSharma,oManjitoSinghoando Manindero Singho ando sinceo thereo areo specifico allegationo ofo embezzlement,otheyoareonotoentitledoforograntoofopre-arrestobailoasotheiro custodialointerrogationoisorequiredofororecoveryoofoembezzledoamountoofo Rs.75,34,803/-.o o o Iohaveoheardolearnedocounseloforotheopartiesoandoperusedo theorecord.o o o FIRo ino theo presento caseo haso beeno registeredo ono theo allegationo thato petitioner-Mandeepo Singh,o whoo waso workingo aso AssistantowithotheoInsuranceoCompany,ohasoembezzledoanoamountoofo Rs.75,34,803/-oandohasotransferredotheosaidoamountotoovariousoaccountso ofo othero co-accused,o includingo thato ofo hiso wife,o brother-in-lawo (ManinderoSingh)oandohisojointoaccountowithoManjitoSingh.ooPetitioner-MandeepoSinghowasochargesheetedobyotheoNationaloInsuranceoCompanyo ando hiso placedo undero suspensiono w.e.f.o 22.06.2020.o o Noticeo ino theo petitiono filedo byo petitioner-Mandeepo Kauro (CRM-M-36501o ofo 2022)o waso issuedo ono 18.08.2022o aso hero counselo contendedo thato ao sumo ofo Rs.15,08,000/-o haso beeno depositedo byo hero husbando Mandeepo Singho (petitioneroinoCRM-M-46225oofo2022)owithorespondentoNo.2-Insuranceo CompanyoandohasoattachedotheoreceiptsoasoAnnexureoP-2,ohowever,otheo saidofactohasobeenovehementlyodeniedobyorespondentoNo.2-Insuranceo Companyo byo statingo thato theo saido receiptso areo boguso ando noo sucho amountohasobeenoreceivedobyotheoInsuranceoCompany.ooTherefore,oitoiso clearo thato thereo iso totalo mis-statemento ofo factso ono theo parto ofo theo petitioner(s)o too gaino theo interimo order,o aso noo amounto muchlesso -13-o Rs.15,08,000/-o haso beeno depositedo byo petitioner-Mandeepo Singh,o husbandoofopetitioner-MandeepoKaur.ooFurther,oinoviewoofotheopeculiaro factsoandocircumstancesoofotheopresentocase,ocustodialointerrogationoofo theo petitioner(s)o wouldo beo requiredo foro recoveringo theo embezzledo amountoofoRs.75,34,803/-.ooThereoareospecificoandoconcreteoallegationso againsto theo petitioner(s)o witho regardo too embezzlement,o Therefore,o investigationoatothisostageocannotobeoscuttled.o o o Thiso Courto ino theo caseo ofo Jaio Krishano v.o Theo Stateo ofo Punjab,o 2010(1)o R.C.R.(Criminal)o 249o (P&H)o haso heldo thato fraudo vitiatesoeverythingoandonoopersonocanobeobeneficiaryoofohisoownofraudo andotheobeneficialoorderosecuredofromotheoCourtobyoplayingofraudobeingo outcomeoofotheofraudohasotoogo.ooo o o Petitioner-Mandeepo Singho embezzledo ao hugeo amounto ofo respondentoNo.2-InsuranceoCompanyobyofraudulentlyotransferringotheo sameointootheoaccountsoofohisorelatives,ohisoownoaccountoandotoothatoofo hiso wife-Mandeepo Kauro (petitionero ino CRM-M-36501o ofo 2022).oo Thereafter,oMandeepoKaurobyogivingowrongostatementothatoaosumoofo Rs.15,08,000/-ohasobeenodepositedoinocashobyoherohusbandoMandeepo Singho(petitioneroinoCRM-M-46225oofo2022),osheogotoheroarrestostayedo video ordero datedo 18.08.2022.o o However,o respondento No.2-Insuranceo Companyo haso deniedo deposito ofo anyo sucho amounto byo theo petitioner.oo Therefore,obyomakingowrongostatementopetitionerohasoplayedofraudowitho thisoCourtoandotheoreceiptsoproducedoinosupportoofosuchoassertionowereo alsoofoundotoobeobogus.ooPetitionerobeingoemployeeooforespondentoNo.2-InsuranceoCompanyowasoduty-boundotooperformotheoworkoentrustedotoo -14-o him,ohowever,obyofraudulentlyotransferringotheopublicomoneyointoohiso owno accounto ando theo accountso ofo hiso relatives,o heo haso committedo criminalobreachoofotrust.ooo o o Theoallegationsoareoseriousoinonatureoandokeepingoinoviewo conducto ofo theo petitionero aso wello aso theo essentialo parameterso foro considerationo ofo bailo petitiono i.e.o natureo ofo offence,o theo punishmento thereto,opossibilityoofohisotamperingowithotheoprosecutionoevidenceoino caseoofohiso releaseoonobail,olikelihoodoofo hiso fleeingo awayo fromo theo jurisdictiono ofo theo Courto etc.o ando ino theo giveno circumstance,o extraordinaryo reliefo availableo undero Sectiono 438o Cr.P.C.o cannoto beo givenotootheopetitioner.o o o Thus,o presento petitionso areo dismissedo witho ao costso ofo Rs.25,000/-.ooPetitioner-MandeepoKauroisodirectedotoodepositotheocostso ofoRs.25,000/-owithotheoPunjaboStateoLegaloServicesoAuthorityowithinoao periodoofooneomonthoandoafterodepositingotheosame,oheoshalloproduceotheo receiptowithinotheoabovesaidoperiodoofooneomonthobeforeotheoDeputyo Commissioner,oHoshiarpur.ooInocase,otheopetitionerodoesonotodepositotheo saidocostsoofoRs.25,000/-owithinotheoabovesaidostipulatedoperiodoando doeso noto produceo theo receipto ofo theo sameo beforeo theo Deputyo Commissioner,o Hoshiarpur,o theno theo Deputyo Commissioner,o Hoshiarpur,oisodirectedotooproceedoagainstotheopetitionerofororecoveryoofo theosaidoamountoofoRs.25,000/-oasoarrearsoofolandorevenue.o o o Ao copyo ofo thisoordero beosentotootheo Punjabo Stateo Legalo Serviceso Authority,o Chandigarh,o aso wello aso Deputyo Commissioner,o Hoshiarpur,oforonecessaryoaction.o -15-o o o Nothingo statedo hereinaboveo shallo beo construedo aso ano expressionoofoopinionoonotheomeritsoofotheocase.o o o o (NAMIToKUMAR)o

13.03.2023o o o o o o ooooooooJUDGEo R.S.o o Whetherospeaking/reasonedoo :o Yes/Noo o WhetheroReportableoo o :o Yes/Noo o