⚖️ Legal Learning: Jurisdiction in Cheque Bounce Cases under Section 138 N.I. Act
🧾 The Hon'ble Supreme Court has clarified that:
> “Territorial jurisdiction for cheque dishonour complaints lies where the payee's bank account is located—that is, the bank through which the cheque was deposited for collection.”
❌ It is not based on where the cheque was physically presented or processed for encashment.
📍 This principle ensures clarity in proceedings under Section 138 of the Negotiable Instruments Act, streamlining where a complaint can be validly filed.
🧠 Key Takeaway: File your complaint in the city/district where your bank account exists, not where you submitted the cheque.
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