Ashish Bansal vs State of Haryana

This order shall dispose of abovesaid three petitions. The facts, which are necessary for disposal of these petitions, are culled as under:-

Prayer in this petition is for grant of anticipatory bail to petitioner-Ashish Bansal in case FIR No.244 dated 25.03.2016 under Sections

406/420/467/468/471 and 120-B of IPC (Section 419 IPC was added later on), registered at Police Station Hisar City, District Hisar.

Counsel for the petitioner submits that in the FIR, which is got registered by Deewan Housing Finance Corporation Limited (DHFC), it is alleged that

co-accused, namely, Vinod Kumar and Monika had applied for obtaining a loan against the property. The loan documents and the documents of title of

the property were verified by one Rakesh Bahar, Advocate and, thereafter, the same were re-verified by three employees of complainant-corporation,

namely Tara Chand, Umesh Sharma and Rajiv Mehta. The complainant, on completion of all the formalities, sanctioned the loan against mortgaged

property, and disbursed the amount in the account of one Jagdish, who was the proposed seller. It is further stated in the FIR that later on, it came to

the notice of the complainant-corporation that the sale deed produced by accused Vinod Kumar and Monika was a fake document and the account

opened in the name of Jagdish was also in the name of a fake person (Jagdish).

Counsel for the petitioner submits that the petitioner is neither named in the FIR nor any allegation has been levelled against him. Moreover, the

petitioner also not the beneficiary of the loan transaction.

The petitioner was granted interim bail, vide order dated 23.02.2018 and he was directed to join the investigation.

Prayer in this petition is for grant of anticipatory bail to petitioner-Vinod Kumar in case FIR No.244 dated 25.03.2016 under Sections

406/420/467/468/471 and 120-B of IPC (Section 419 IPC was added later on), registered at Police Station Hisar City, District Hisar.

Counsel for the petitioner submits that the petitioner though had approached the complainant-company for granting him loan but the loan was never

disbursed to him and the complainant has wrongly alleged that the same was disbursed to the petitioner on 25.02.2015, whereas the alleged forged sale

deed was given to the complainant-company on 03.04.2015 and no amount was credited in the account of the petitioner.

It is further stated that the Manager of the complainant-company, namely Umesh Sharma, in conspiracy with co-accused Ashish Bansal obtained a

cheque of Rs. 20 lacs in the name of a fictitious person Jagdish and Umesh Sharma and Ashish Bansal are hand in glove with each other and in

conspiracy with each other have usurped an amount of Rs.20 lacs. It is further stated that one of the co-accused, Rajesh, was arrested on 08.09.2017

and he made a disclosure statement that he came in contact with Ashish Bansal in January 2015 for seeking an auto loan and on his asking he

represented himself to be Jagdish son of Ghansham, and opened the account with Indian Overseas Bank by posing himself as Jagdish, and for this

purpose, Ashish Bansal assured him that he will get an amount of Rs.25,000/-. Co-accused Ashish Bansal opened the account of accused Rajesh in

the name of Jagdish and took away the pass-book and cheque book by obtaining the signatures of accused Rajesh and gave him Rs. 10,000/- in cash.

Prayer in this petition is for grant of regular bail to petitioner-Rajesh in FIR No.244 dated 25.03.2016 under Sections 420/406/467/468/471 and 120-B

of IPC (Section 419 IPC was added later on), registered at Police Station Hisar City, District Hisar.

Counsel for the petitioner submits that the petitioner is in judicial custody since 08.09.2017 and investigation qua him is complete and he is no more

required for further investigation. It is further submitted that in fact the petitioner, contacted co-accused, Ashish Bansal, for the purpose of purchasing

an auto and in order to avail auto loan, opened the bank account in Indian Overseas Bank on allurement given by Ashish Bansal. It is further stated

that the petitioner is a very less educated person and has signed the documents on the asking of co-accused Ashish Bansal and was paid only Rs.

10,000/- for fulfilling the loan documents.

In the petition filed by Rajesh, on 06.03.2018, the learned State counsel, on instructions from the Investigating Officer, has stated that there was a

conspiracy between the employees of complainant-corporation and specimen signatures of petitioner-Rajesh have been sent to FSL for comparison

with his handwriting on the cheques, vide which the amount of Rs.20 lacs was withdrawn. The Branch Manager, Indian Overseas Bank, who was

also present in the Court on 06.03.2018, stated on that day that when the account was opened in the name of Jagdish (a fake person), the voters

identity card and driving license, which were submitted for opening the bank account, had the photographs of petitioner-Rajesh.

A direction was issued to the Superintendent of Police, Hisar to constitute a Special Investigation Team (SIT) to conduct further investigation and

submit the status report. It was also directed that it will be open for the SIT to summon Ashish Bansal to join the investigation.

The status report by way of affidavit of DSP, (L&O), Hisar has already been filed. It is stated in the report that Ashish Bansal was given a notice

under Section 160 Cr.P.C. on 23.03.2018, but he failed to join the investigation. Even on an earlier occasion when Ashish Bansal was directed to

appear before the Investigating Officer on 28.02.2018 at 10:00 A.M. to give his handwriting/signatures for investigation, he failed to join. It is further

submitted that it has come in the disclosure statement of Rajesh that the entire amount of Rs. 20 lacs from the fake account of Jagdish has been

withdrawn by Ashish Bansal and he failed to appear before the Investigating Officer. Even the Members of SIT has given numerous telephonic calls

on his mobile number i.e. 98123-22600 and despite making assurance, he did not turn up to join the investigation.

It is further stated in the affidavit that two of the co-accused i.e. Umesh Sharma and Tara Chand, both employees of the complainant-corporation,

were arrested on 23.03.2018 and in their disclosure statements also, they have named Ashish Bansal, as an accused.

It is further stated in the FIR that complainant-corporation has informed the SIT that as per NHB Mandate Guidelines, circular dated 21.06.2005

(copy annexed as Annexure R2 with the affidavit), the loan amount was credited in the account of seller directly i.e. in the account of Jagdish as the

loan was applied by accused Vinod Kumar and Monika by posing a fake seller of the house, named, Jagdish and on their request, the amount was

credited in his account, as per the request form (attached as Annexure R3 with the affidavit).

It is further stated that during the course of investigation by the SIT, it is found that the documents submitted to the Indian Overseas Bank for opening

the account in the name of Jagdish, are found to be forged and fake documents as in place of Jagdish, the photographs of accused Rajesh were

affixed. It is further submitted that the investigation is still under progress and till the accused Ashish Bansal is arrested, the investigation cannot reach

at a concrete conclusion and, therefore, custodial interrogation of accused Ashish Bansal is necessary. It is further stated that accused Ashish Bansal

is also involved in five other cases which are detailed as below:-

“1.FIR No. 259/16 u/s 420,406,467,468,471,120-B IPC PS City Hisar

This case was registered on the complaint of Jiwan Dass Garg, Legal Manager, Diwan Housing Finance Corporation Ltd. Red Sequare Market Hisar

against accused Ashish Kumar Bansal son of Bhagwan Dass etc. levelling allegations therein for taking loan amounting to Rs.5272094/-on forged and

fabricated documents. The petitioner has not joined the investigation so far.

“2.FIR No. 269/16 u/s 420,406,467,468,471,120-B IPC PS City Hisar

This case was registered on the complaint of Jiwan Dass Garg, Legal Manager, Diwan Housing Finance Corporation Ltd. Red Sequare Market Hisar

against accused Ashish Kumar Bansal son of Bhagwan Dass etc. levelling allegations therein for taking loan amounting to Rs.4760774/-on forged and

fabricated documents. The petitioner has filed CRM No. 10038 of 2018 for anticipatory bail in this Hon'ble High Court which has been dismissed vide

order dated 02.04.2018.

“3. FIR No. 434/15 u/s 420,467,468,471 IPC PS City Jind This case was registered on the complaint of Kirshan Kumar son of Tara Chand r/o

Majra, PS Narnaund, District Hisar against accused Ashish Kumar Bansal son of Bhagwan Dass etc. leveling allegations therein for getting

sanctioned loan from HDFC Bank Jind in conspiracy with the employees of bank after preparing forged and fabricated documents. During course of

investigation the duplicate seal etc. have been recovered from him/accused. The case is under investigation.

“4. FIR No. 39/16 u/s 420,406,467,468,471 and 120-B IPC PS City Jind

This case was registered on the complaint of Anubhav Pasricha son of Avtar Pasricha r/o Hamani Tawer 2nd Floor, GT road HDFC Bank Panipat

against accused Ashish Kumar Bansal son of Bhagwan Dass etc. leveling allegations therein for getting sanctioned loan from HDFC Bank Panipat in

conspiracy with the employees of bank after preparing forged and fabricated documents. He/ the petitioner has sought anticipatory bail application and

thereafter joined the investigation. During investigation he deposed that the bogus seal etc. have also been recovered from him in case FIR No. 434/15

PS City Jind. The case is under investigation. “5 .FIR No. 46/16 u/s 420 IPC PS City Jind This case was registered on the complaint of Jitender

son of Nanak Chand r/o Shiv Colony Jind, Distt. Jind against accused Ashish Kumar Bansal son of Bhagwan Dass etc. leveling allegations therein for

getting sanctioned loan from Punjab and Sind Bank, Jind amounting to Rs. 10,00,000/- in conspiracy with the employees of bank after preparing forged

and fabricated documentsâ€​.

Learned State counsel, on the basis of affidavit giving the status of the investigation by the SIT, has prayed for dismissal of the petitions.

In reply, counsel for the petitioner-Ashish Bansal has submitted that in 02 FIRs, the petitioner has been granted concession of regular bail by this

Court; in 02 FIRs, he has been acquitted; and in 01 FIR, he is not named directly by the complainant.

After hearing learned counsel for the parties, I find no merit in the petitions filed by petitioners-Ashish Bansal and Vinod Kumar praying for grant of

anticipatory bail.

Petitioner-Ashish Bansal, despite of granting two specific dates to join the investigation, has failed to join the investigation and to give his specimen

signatures/handwriting, as the accused Rajesh has stated in his disclosure statement that the amount was withdrawn by Ashish Bansal. Even in the

disclosure statements of two co-accused i.e Umesh Sharma and Tara Chand, who are employees of complainant-corporation, the name of petitioner-

Ashish Bansal has surfaced. The SIT has specifically stated in the status report that custodial interrogation of Ashish Bansal is required to reach at a

conclusion about the manner, the documents were forged and the complainant was cheated of Rs.20 lacs and, therefore, I find no ground to grant

anticipatory bail to petitioner Ashish Bansal.

So far as the petitioner Vinod Kumar is concerned, he is the person who alongwith co-accused Monika has applied for the loan knowingly that the

proposed seller Jagdish is a fake person and further made an application (Annexure R3) before the complainant-corporation that the loan amount be

credited in the account of Jagdish (a fake person) and, therefore, the active involvement of petitioner-Vinod Kumar with co-accused Monika is

apparent in the investigation. It is found that the fake account in the name of Jagdish was opened by producing co-accused Rajesh posing him as

Jagdish. Therefore, I do not find any merit in the petition filed by Vinod Kumar for grant of anticipatory bail.

So far as the regular bail petition filed by co-accused Rajesh is concerned, as per the investigation conducted, it appears that he wanted to obtain a

small loan for the purpose of purchasing an Auto and taking advantage of his immediate requirement, accused Ashish Bansal, Vinod Kumar and

Monika, in conspiracy and connivance with the employees of complainant-corporation, by alluring him to give Rs. 25, 000/- used him as a tool to open

a fake account in the name of Jagdish by pasting his photographs on the IDs and application form.

Even as per the investigation, so far conducted by SIT, it is stated that custodial investigation of Ashish Bansal and Vinod Kumar is required to reach

at a final conclusion.

In view of the same, since petitioner-Rajesh is in judicial custody since 08.09.2017 and the investigation qua him is completed and he is not required for

any further investigation, petitioner-Rajesh is granted concession of regular bail subject to his furnishing bail/surety bonds to the satisfaction of trial

Court/Illaqa Magistrate.

However, it is directed that it will be open for the Investigating Agency/SIT to summon Rajesh for further investigation, if required, in the event of

arrest of other co-accused, petitioner-Rajesh will join the investigation on receiving such notice by the Investigating Officer. In case, petitioner-Rajesh

fails to join the investigation, it will be open for the Investigating Officer to apply for cancellation of regular bail granted to petitioner-Rajesh.

In view of the above, CRM-M-4464-2018 (filed by Ashish Bansal) and CRM-M-11572-2018 (filed by Vinod Kumar) praying for anticipatory bail are

dismissed and CRM-M-491-2018 (filed by Rajesh) is allowed.