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IN THE COURT OF THE CIVIL JUDGE(JUNIOR DIVISION) AT
SRUNGAVARAPUKOTA.
Present: Ms. S. VANI ,
Civil Judge (Junior Division)
Srungavarapukota
Monday, this the 21st day of April, 2025
O. S. No. 91 of 2022
Between:
Adimulam Eswara Rao, S/o Suryarao, Hindu, Aged 53 years, Resident of Munasubveedhi, Srungavarapukota Village and Mandal, Vizianagaram District.
….. Plaintiff
And:
Jonna Varalaxmi, W/o late Jonna Sreenivasa Rao, RTC Driver, Hindu, Aged about 40 years, Presently residing at Punyagiri Road, Srungavarapukota Village and Mandal, Vizianagaram District.
….. Defendant
This suit is coming on 17-04-2025before me for final hearing in the presence of Sri R. Satyanarayana, Advocate for the Plaintiff and Sri G. Eswara Rao, Advocate for the Defendant and upon perusing the material available on record, and upon hearing the arguments and having stood over for consideration to this day, till this day, this Court delivered the the following:-
::JUDGMENT::
1.The suit is filed by the plaintiff against the defendant for recovery of an amount of Rs.3,16,000/- (Rupees Three Lakhs and Sixteen
Thousand only) basing on promissory note dated 10.01.2020 said to be executed by the deceased Jonna Srinivasa Rao in favour of the plaintiff for an amount of Rs.2,00,000/-(Rupees Two Lakhs only) agreeing to repay the same with interest @ 24% per annum and for costs of the suit.
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2. The brief pleadings stemming out of the plaint are as follows:
a) One Jonna Srinivasa Rao who is the husband of the defendant, during his life time he borrowed an amount of Rs.2,00,000/- (Rupees Two Lakhs only) from the plaintiff on 10.01.2020 for his joint family necessities and duly executed a promissory note on the same day at
Srungavarapukota Village and Mandal in favour of the plaintiff agreeing to repay the same with interest at the rate of 24% per annum payable to the plaintiff or his order on demand.
b) While so the said Jonna Srinivasa Rao the executant of the suit promissory note died intestate ten months ago leaving the defendant as his legal heir and she succeeded to the estate of the deceased Jonna
Srinivasa Rao and she is in possession and enjoyment of the same. On the death of said Jonna Srinivasa Rao the plaintiff demanded the defendant to pay the suit amount under the suit promissory note dated 10.01.2020 but she did not pay any amount. Hence the plaintiff is constrained to file the suit against the defendant for recovery of the suit debt, costs and subsequent interest from the joint family properties of late Jonna Srinivasa Rao in the hands of defendant.
3.Refuting the averments, the defendant filed written statement denying all allegations made by the plaintiff in the plaint. Defendant submitted that the suit promissory note is forged one and the said Jonna
Srinivasa Rao never borrowed any amount from anybody much less from the plaintiff and never executed any suit promissory notes including this suit promissory note. Defendant again pleaded that the plaintiff have filed this suit without following due procedure and the failed to implead the daughter of the defendant as necessary party in this suit and failed to issue any legal 3 notice to this defendant. Defendant further submitted that the plaintiff with an evil intention to get wrongful gain, created the suit promissory note and filed this false suit. Hence, defendant prayed to dismiss the suit with costs.
4.After hearing the parties and basing on the above pleadings the following issues were settled for trial:
1. Whether the deceased Jonna Srinivasa Rao borrowed an
amount of Rs.2,00,000/- from the plaintiff on executing a
promissory note dated 10.01.2020 or not?
2. Whether any estate belongs to the deceased Jonna Srinivasa Rao is in the hands of defendant or not?
3. Whether the signature of the deceased Jonna Srinivasara Rao was forged or not?
4. Whether the suit is bad for non-joinder of necessary party?
5. Whether the plaintiff is entitled to recover the suit amount as prayed for?
6. To what relief?
5.During the trial, to substantiate his case, the plaintiff examined himself as PW.1 and attestor of the promissory note namely Vepada Chanti was examined as PW.2. Ex.A1 is marked. Ex.A1 is suit promissory note dt.10.01.2020 executed by Jonna Srinivasa Rao in favour of the plaintiff.
PW.1 and PW.2 were cross-examined by the defendant’s counsel. To demolish the case of plaintiff, the defendant examined herself as DW.1 and
Kotamsetti Ramesh, who is APSRTC Depot Manager where the deceased
Jonna Sreenivas was worked is examined as DW.2. Ex.B1 to B3 are marked. Ex.B1 is the certified copy of APSRTC employee Register
Nomination form with specimen signature of husband of DW.1. Ex.B2 is the Original Nomination form dated 08.05.2018 and Ex.B3 is original option form dated 01.01.2020.
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6.Heard both sides. Perused the record carefully and written arguments filed by the defendant. The court has given earnest consideration to the respective submissions of the counsel for the plaintiff as well as defendant.
7. Issue No. 1 and 3:-
In order to avoid recapitulation of facts and evidence, I am inclined to address the issue No.1 and 3 simultaneously.
8.Here in the present suit, the suit is based on a promissory note which is a Negotiable Instrument, it is the duty of the Court to draw a presumption in favour of the plaintiff and the defendant has got every right to rebut the presumption. To discharge the initial burden the plaintiff himself examined as PW.1 and exhibited suit promissory note as Ex.A1 which was executed by the deceased Jonna Srinivasa Rao in his favour in the presence of scribe and attestors. The attestor for Ex.A1 is examined as
PW.2 and he deposed that he was present at the time of transaction and he witnessed the execution of suit promissory note by the deceased Jonna
Srinivasa Rao in favour of the plaintiff. PWs.1 and 2 were cross examined by the defendant counsel but nothing was elicited in support of the contention of the defendant. During the cross examination PW.1 testified that the deceased Jonna Srinivasa Rao borrowed an amount of Rs.
2,00,000/- and executed Ex.A1 promissory note on 10.01.2020 and the consideration of Ex.A1 is in the cash form and the Ex.A1 amount is self savings of the plaintiff and he is doing spices business and getting annual income of Rs. 4,00,000/-. The PW.1 further testified that Ex.A1 transaction took place during 10-00 to 11-00 a.m., at the office of document writer namely Mahesh situated at MRO office, S.Kota and the deceased Jonna
Srinivasarao himself brought promissory note and revenue stamp and the deceased Jonna Srinivasa Rao put two signatures on Ex.A1 and also the thumb impression contained on Ex.A1 belongs to the the deceased Jonna 5
Srinivasa rao. The plaintiff denied the suggestion that he created Ex.A1 by forging the signature of the deceased Jonna Srinivasa Rao and he has no acquaintance with him. The witness PW.2 also supported the PW.1 in material aspects.
9.It is contended by the defendant who is wife of deceased Jonna
Srinivasa Rao that the signatures on Ex.A1 promissory note is not that of the deceased Jonna Srinivasa Rao and it is forged and fabricated one. To substantiate that contention the defendant examined herself as DW.1 and examined depot manager of the APSRTC where the Jonna Srinivasa Rao was worked as DW.2 and Ex’s. B1 to B3 marked. Admittedly there is difference in the signatures of the Jonna Srinivasa Rao contained on Ex.A1 when compared with Ex.B1 to B3. The PW.1 also admitted the said fact.
However, the evidence of DW.1 and DW.2 reveals that they never seen the deceased affixing his signatures in their presence and they cannot identify the signatures of the deceased Jonna Srinivasa Rao. DW.2 further admitted that he cannot say whether the deceased Jonna Srinivasa Rao himself affixed his signature on Ex.B2 and Ex.B3 or not. When that is the evidence adduced by the defendant, the DW.1 cannot deny the signature of the deceased Jonna Srinivasarao on Ex.A1. When the DW.1 never seen the
Jonnada Srinivasa Rao affixing his signature in her presence how can she say that the signatures contained on Ex.A1 does not belongs to the deceased Jonnada Srinivasa Rao. Admittedly, a person can sign differently if he wants and the signatures contained on Ex.B1 to B3 may or may not belongs to the deceased Jonna Srinivasa Rao as no one of the defendant witnesses testified that they have seen the Jonna Srinivasa Rao affixing his signatures on Ex.B1 to B3.
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10.In the absence of any evidence on behalf of the defendant, the suit promissory note which is said to be executed by the deceased Jonna
Srinivasa Rao in the presence of scribe and attestor (PW.2), it can not be held that the suit promissory note is a forged and fabricated one and that the attestor who is an independent witness and who examined as PW.2 also deposed before this Court that the deceased Jonna Srinivasa Rao executed promissory note by affixing his signature on Ex.A1 in his presence and coupled with, the evidence of PW.1 which is not disproved by means of any other evidence by the defendant who is asserting that the signature on suit promissory note is not that of the deceased Jonna Srinivasa Rao.
11.The initial burden which is on the shoulders of the plaintiff was discharged by examining himself as PW.1 and by exhibiting Ex.A1 promissory note and so also by examining PW.2 who is attestor of the suit promissory note and that the burden was shifted to the defendant since she has got the knowledge and the fact was known to her that the suit promissory note was created one. Therefore, the burden shifted on to her shoulders. The person who is knowledge and fact was known as per the
Indian Evidence Act the burden lies on him to discharge the same, by oral evidence or any documentary evidence as per Section 3 of Indian Evidence
Act. Since either fact is said to be believed or disbelieved for its existence.
The defendant did not adduce any evidence or she has not showed any interest and she did not taken any steps to send the document to any hand writing expert either to the State or Central laboratories or any private
Laboratory for its examination of signature instead of it she insisted the court to invoke section 73 of the Indian Evidence Act and compare the signatures of the deceased Jonna Srinivasa Rao contained on Ex.A1 with
Ex.B1 to B3. It is the contention of the defendant that the suit promissory note is forged. Then what prevented her to send the Ex.A1 and Ex.B1 to B3 to expert opinion.
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12.Coming to the contention of the defendant to compare the signatures of the deceased Jonna Srinivasa Rao by invoking the section 73 of the Indian Evidence Act by this court, As a matter of extreme caution and judicial sobriety, the Court should not normally take upon itself the responsibility of comparing the disputed signature with that of the admitted signature or handwriting and in the event of the slightest doubt, leave the matter to the wisdom of experts. In Thiruvengadam Pillai vs
Navaneethammal reported in AIR 2008 SC 1541 the Apex Court observed that it is risky to arrive at a conclusion regarding signatures and handwriting without an expert opinion. The relevant paragraph is extracted below:
"16. While there is no doubt that Court can compare the disputed handwriting/ signature/ finger impression with the admitted handwriting/signature/finger impression, such comparison by
Court without the assistance of any expert, has always been considered to be hazardous and risky”.
13.In Ajay Kumar Parmar v. State of Rajasthan reported in
AIR 2013 SC 633 the Apex Court held that, the Courts while dealing with handwriting or signatures cannot itself act as an Expert. The relevant paragraph is extracted below:
"28. The opinion of a handwriting expert is fallible/liable to error like that of any other witness, and yet, it cannot be brushed aside as useless. There is no legal bar to prevent the Court from comparing signatures or handwriting, by using its own eyes to compare the disputed writing with the admitted writing and then from applying its own observation to prove the said hand writings to be the same or different, as the case may be, but in doing so, the Court cannot itself become an expert in this regard and must refrain from playing the role of an expert, for the simple reason that the opinion of the Court may also not be conclusive. Therefore, when the Court takes such a task upon itself, and findings are recorded solely on the basis of comparison of 8 signatures or hand writings, the Court must keep in mind the risk involved, as the opinion formed by the Court may not be conclusive and is susceptible to error, especially when the exercise is conducted by one, not conversant with the subject. The Court, therefore, as a matter of prudence and caution should hesitate or be slow to base its findings solely upon the comparison made by it. However, where there is an opinion whether of an expert, or of any witness, the Court may then apply its own observation by comparing the signatures, or hand writings for providing a decisive weight or influence to its decision."
14.In the light of the aforesaid discussion, coming to the facts of the present case, as discussed above, the defendant laid foundation by contending in the written statement that the suit promissory note was forged one. However she failed to send the suit promissory to hand writing expert.
The defendant ought to invoke section 45 of the Indian Evidence Act instead of approaching the court to invoke section 73 the Indian Evidence
Act. In the absence of any evidence on behalf of the defendant and moreover as the defendant failed to discharge her burden thus it is clear from the evidence of the plaintiff that the suit promissory note is executed by the deceased Jonna Srinivasa Rao and the signature contained on
Ex.A1 belongs to deceased Jonna Srinivasa Rao.
Hence, this Issue No. 1 and 3 are answered in favour of plaintiff and against the defendant.
15. Issue No.2:-
The plaintiff did not place any evidence before this Court to show that any property of the deceased lying in the hands of the defendants by the date of filing of the suit but the defendant as well not specifically denied in her written statement that she did not inherit the estate of the 9 deceased Jonna Srinivasa Rao. This is a settled position of law which states that if an allegation made in the plaint has not been denied specifically or by necessary implication in a written statement, then it is treated as admitted and as per section section 58 of the Indian Evidence
Act, 1872 facts admitted need not be proved. This admission of the defendants is clear that the the estate of deceased Jonna Srinivasa Rao is in the hands of defendant. Moreover, the DW.1 herself admitted in her cross examination that she is residing in a slabbed house situated in Punyagiri road, S.Kota and the said slabbed house was constructed by her husband with his salary savings and apart from that after the demise of her husband the DW.1 got a job in Sachivalayam on compassionate grounds. Hence, there is no doubt that estate of the deceased Jonna Srinivasa Rao is in the hands of the defendant.
Hence, this Issue No. 2 is answered in affirmative i.e., in favour of plaintiff and against the defendant.
16. Issue No.4:-
The plaintiff filed this suit for recovery of money based on a promissory note executed by the original borrower i.e., Jonna Srinivasa
Rao. Upon his death the suit was instituted against only his wife i.e., the defendant, without impleading the daughter, who is also a legal heir. The defendant contended that the suit is bad for non-joinder of a necessary party since the daughter, being a legal heir, is equally liable for debts of the deceased to the extent of her share in the estate. Under Section 2(11) of the Code of Civil Procedure(herein after referred as C.P.C), a “ legal representative” is one who in law represents the estate of the deceased.
However, liability arises only to the extent to which the estate of the deceased has come into the hands of the legal representative. Moreover, 10 under Order 1 Rule 9 of C.P.C , a suit cannot be defeated merely for non- joinder of a party unless that party is a necessary party i.e., one without whom no effective order can be passed. In the present case since the wife has been impleaded, there is no claim or evidence that the daughter inherited any estate of the deceased, no defence has been taken that the estate is unpresented or improperly represented, there is no failure to represent the estate, therefore, the daughter is not a necessary party, and the suit not bad for non-joinder. In the absence of any defence that the daughter inherited any part of the estate of the deceased Jonna Srinivasara
Rao, the suit filed against the wife (defendant) alone is not bad for non- joinder of a necessary party. The estate is deemed properly represented by wife.
Hence, this Issue No. 4 is answered in negative i.e., in favour of plaintiff and against the defendant.
17. Issue No.5:-
Here in the present suit there is no dispute and it is an admitted fact that the defendant is the legal heir of the deceased Jonna Srinivasa
Rao and the plaintiff was proved that the deceased Jonna Srinivasa Rao executed suit promissory note for Rs.2,00,000/-inhis favour and the plaintiff also proved that the estate of the deceased Jonna Srinivasa Rao is in the hands of defendant. Hence, it is obvious that the defendant who is legal heir of the deceased is liable to be pay the decree amount. Thus the plaintiff is entitled to recover the suit amount against the estate of the deceased which is now in the hands of the defendant.
Hence, this Issue No. 5 is answered in affirmative i.e., in favour of plaintiff and against the defendant.
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18. Issue No.6:
In the result, the suit is decreed with costs for Rs.3,16,000/- (Rupees Three Lakhs and Sixteen Thousand only) in favour of the plaintiff and against the defendant, with subsequent interest @ 12% per annum from the date of filing of suit to till the date of decree and thereafter @ 6% per annum till the realization on the principal amount of promissory note i.e.,
Rs.2,00,000/- (Rupees Two Lakhs). The defendant is directed to pay the said amount from out of the estate of deceased Jonna Srinivasa Rao lying in her hands.
Typed to my dictation by the Typist of this Court, corrected, signed and pronounced by me in open Court, this the 21 st day of April, 2025.
Sd/- S. Vani
Civil Judge(Junior Division)
Srungavarapukota
APPENDIX OF EVIDENCE
WITNESSES EXAMINED
For Plaintiff: For Defendant:
PW.1: Adimulam Eswara Rao D.W.1: Jonna Varalaxmi
PW.2: Vepada Chanti D.W.2: Kotamsetti Ramesh
EXHIBITS MARKED
For Plaintiff:
Ex.A.1 : Suit promissory note dated 10-01-2020 executed by defendant in favour of the plaintiff for an amount of Rs.2,00,000/-.
For Defendant:
Ex.B1 : Certified copy of APSRTC employee Register Nomination form with specimen signature of husband of DW.1.
Ex.B2 :Original Nomination form dated 08.05.2018.
Ex.B3 : Original option form dated 01.01.2020.
Sd/- S. Vani
Civil Judge(Junior Division)
Srungavarapukota 12
Date of Presentation: 13-06-2022 Date of Filing: 13-06-2022
IN THE COURT OF THE CIVIL JUDGE(JUNIOR DIVISION) AT
SRUNGAVARAPUKOTA.
Present: Ms. S. VANI ,
Civil Judge (Junior Division)
Srungavarapukota
Monday, this the 21st day of April, 2025
O. S. No. 91 of 2022
Between:
Adimulam Eswara Rao, S/o Suryarao, Hindu, Aged 53 years, Resident of Munasub Veedhi, Srungavarapukota Village and Mandal, Vizianagaram District.
….. Plaintiff
And:
Jonna Varalaxmi, W/o late Jonna Sreenivasa Rao, RTC Driver, Hindu, Aged about 40 years, Presently residing at Punyagiri Road, Srungavarapukota Village and Mandal, Vizianagaram District.
….. Defendant
The suit is filed by the plaintiff against the defendant for recovery of an amount of Rs.3,16,000/- (Rupees Three Lakhs and Sixteen Thousand only) basing on promissory note dated 10.01.2020 said to be executed by the deceased Jonna Srinivasa Rao in favour of the plaintiff for an amount of Rs.2,00,000/-(Rupees Two Lakhs only) agreeing to repay the same with interest @ 24% per annum and for costs of the suit.
The value of the suit for the purpose of Court fee and jurisdiction is Rs.3,16,000/- and Court fee of Rs.5,626/- is paid under section 20 of Schedule -1 of APCF & S.V. Act, 1956 by way of challan
dated 10-06-2022 at SBI, Srungavarapukota.
This suit is coming on 17-04-2025before me for final hearing in the presence of Sri R. Satyanarayana, Advocate for the Plaintiff and Sri G. Eswara Rao, Advocate for the Defendant and upon perusing the material available on record, and upon perusing the material available on record and this court doth order and 13
D E C R E E
i) that the suit be and same is hereby decreed with costs in favour of plaintiff against the defendant for an amount of Rs.3,16,000/- (Rupees Three Lakhs and Sixteen Thousand only) with subsequent interest at the rate of 12% p.a. from the date of the suit till the date of decree and thereafter at the rate of 6% p.a. from the date of decree till the date of realization, on the principal amount of Rs.2,00,000/- (Rupees Two Lakhs only) ; and ii) that the defendant do also pay a sum of Rs.17,040 /- towards the costs of the suit to the plaintiff.
Given under my hand and seal of this court, dated this the 21st day of April, 2025.
Sd/- S. Vani
Civil Judge(Junior Division)
Srungavarapukota
MEMORANDUM OF COSTS
For Plaintiff: For Defendant:
Stamp on Vakalat : Rs. 3-00 Stamp on plaint : Rs. 5,626-00 Stamp on process : Rs. 131-00 Advocate fee : Rs. 11,180-00 No costs memo is filed Typing charges : Rs. 100-00 -------------------- Cost allowed : Rs. 17,040-00 --------------------
Sd/- S. Vani
Civil Judge (Junior Division)
Srungavarapukota
Note : - The parties shall apply, as soon as possible, for the return of documents which they may wish to preserve, as the record and exhibits are liable for destruction as per the rules of destruction of the records.