Supreme Court of India (Division Bench (DB)- Two Judge)

Appeal (Civil), 6054 of 2015, Judgment Date: Aug 11, 2015

                                                                   REPORTABLE

                        IN THE SUPREME COURT OF INDIA
                        CIVIL APPELLATE JURISDICTION


                      CIVIL APPEAL NO.   6054   OF 2015
                 (Arising out of S.L.P.(C) NO.32319 of 2013)


Chief Controlling Revenue Authority                          …..Appellant(s)

                                   Versus

Costal Gujarat Power Ltd. and others                         ..Respondent(s)



                                  JUDGMENT

M. Y. EQBAL, J.



Leave granted.

2.    The Full Bench of the Gujarat High Court  on  reference  made  by  the
Chief Controlling Revenue Authority, State of Gujarat under  Section  54(1A)
of the Gujarat Stamp Act, 1958 (in short, “the Act”),  passed  the  impugned
judgment and order dated 3.12.2012 in Stamp  Reference  No.1/2011  answering
the reference in favour of the respondent and against  the  Revenue  holding
that the respondent was not required to pay the dues of deficit  stamp  duty
of Rs. 50,41,600/-.

3.    The questions referred to the High Court for its opinion and  decision
arise as under:-

      (A)   The deed of “indenture the deed of mortgage  for  delayed  after
assets” which was registered on 6.10.2009 vide Regn. No.3375  registered  at
office of Sub-Registrar, Mundra (District  Kachchh)  by  the  applicant  has
paid Rs.4,21,000/- whether as per provision of Sections 5,  3(a),  3(B)  and
the Schedule-1’s Articles 6 and 36(b)  the  applicant  is  required  to  pay
deficit stamp duty of Rs.50,41,600/- or not.”

      (B)   The deed of “indenture the deed of mortgage  for  delayed  after
assets” which was registered on 6.10.2009 vide Regn.no.3375, at  the  office
of  the  Sub-Registrar,  Mundra  (District  Kachchh)  by  the  applicant  is
required to be considered as per Schedule 1’s  Articles  6  and  36  as  per
simple mortgage and whether the applicant is required to  pay  Rs.  4,21,600
or not?”



4.    The facts of the case lie in a narrow compass.



5.     The respondent is a Company named Coastal Gujarat Power  Ltd  and  it
needed financial assistance for setting up an Ultra Mega  Power  Project  in
the area of Kutch-Bhuj and for that purpose it secured assistance  from  few
lenders.  The lenders i.e. financial institutions, which  were  thirteen  in
number, formed a consortium as a  trust  and  executed  a  security  trustee
agreement (STA) inter se appointing one  banker,  viz.  the  State  Bank  of
India as the lead trustee, called the security trustee.  The duties  of  the
security trustee are carved out in the said agreement of security  trustees.




6.   The respondent executed an “Indenture of  Mortgage  for  Delayed  After
Assets Deed’ with the State  Bank  of  India,  the  said  security  trustee,
mortgaging its assets as mentioned in the deed itself.   The  said  document
was presented for registration before the Sub-Registrar,  Mudra,  by  paying
stamp duty of Rs. 4,21,000/- and the deed was registered.



7.    According to the appellant, the  respondent  was  liable  to  pay  Rs.
54,62,000/- on the said deed and, hence, demanded the balance amount of  Rs.
50,41,000/-  from  the   respondent  by  issuing  show  cause  notice  dated
5.11.2009.  The  issue  was  forwarded  for  consideration  of  the   Deputy
Collector, Stamp Duty Valuation Organisation, Bhuj-Kutch  under  Section  33
of the Act.



8.    The respondent was given an opportunity  of  hearing  and  vide  order
dated April, 3, 2010, the Deputy Collector  held  that  the  respondent  was
liable to pay the deficit stamp duty with the amount of penalty of  Rs.250/-
.



9.  The revision application filed by the respondent under Section 53[1]  of
the Act was dismissed vide order  dated  March,  28,  2011.  The  respondent
thereafter made an application under Section  54[1-A]  of  the  Act  thereby
giving rise to the Reference Proceedings.



10.   By way of the Reference, the opinion of the High Court was  sought  on
the questions referred hereinabove.



11.   The High Court opined that the State of Gujarat  is  not  entitled  to
recover  any  additional  stamp  duty  based  upon  its  perception  of  the
legislative intendment behind Section 5 of the Act.  The  Court  noted  that
stamp duty is payable on instruments and not  on  transactions.   Therefore,
merely because the intended effect was  achieved  by  executing  one  single
document as against different sets of documents, such fact would not  enable
the State  authorities  to  justify  the  conclusion  that  the  one  single
document falls under the purview of Section 5 of the Act.  It was SBI  alone
which had the power to enforce the  document  against  the  respondent.  The
High Court further opined that there being only one  instrument  creating  a
mortgage by a borrower in  favour  of  a  security  trustee,  such  relation
between  the  borrower  and  security  trustee   is   independent   of   the
relationship between the borrower and the lending banks.   The  relationship
between the borrower and the security trustee is that  of  a  mortgagor  and
mortgagee. By taking aid of the provision of the Indian Trust Act and  after
creation of a different valid trust deed and making  payment  of  stamp-duty
thereon in accordance with law, the State Bank of India became the  security
trustee of the lending Banks and held the mortgage  for  and  on  behalf  of
those beneficiaries.  Therefore,  by  the  instrument  in  question,  either
fictionally or otherwise, no separate or distinct  matters  or  transactions
are created. Thus, the applicant is the mortgagor and  the  S.B.I.,  in  the
capacity of a trustee, is the mortgagee.  The instrument  does  not  involve
either “distinct matters”  or  “distinct  transactions”  so  as  to  attract
Section 5 of the Act. The Court found from the  document  in  question  that
the State Bank of India is the only mortgagee under the  instrument  and  no
rights in the mortgaged property had  been  created  in  favour  of  secured
parties or any other persons.



12.  The High Court further opined that the  principles  laid  down  in  The
Member, Board of Revenue vs. Arthur Paul Benthall, 1955 SCR 84,  can  be  of
no assistance to the State in  this  case.   Indisputably,  nobody  disputed
that the instrument in question is a mortgage deed  and  that  according  to
the provisions of the Act, the same should be  charged  in  accordance  with
the schedule 1.  Thus, by no stretch of imagination, the said mortgage  deed
is treated as a combination of thirteen lenders by taking aid of  the  above
principles.  Finally, the Full Bench  held  that  on  consideration  of  the
entire materials on record, the reference was answered as  Point [A] No  and
Point [B] yes.



13.   Hence, the present appeal by special leave.



14.   Mr. Preetesh Kapur,  learned  counsel  appearing  for  the  appellant,
Revenue Authority, assailed the impugned judgment passed by the  Full  Bench
of the Gujarat High Court as being erroneous and contrary to the  provisions
of the Stamp Act in the matter of Payment of Stamp  Duty.   Learned  counsel
submitted that the High Court has failed to appreciate that the  respondents
had formed the consortium and had executed the present mortgage  instead  of
several distinct instruments of mortgage with the sole  purpose  of  evading
Stamp Duty.  Learned counsel submitted that admittedly the  respondents  had
availed  financial  assistance  from  13  lenders  for   its   project   and
consequently, the respondent  was  required  to  execute  mortgage  deed  in
favour of the 13 lenders.  However, in order to avoid payment of Stamp  Duty
on each mortgage deed, the respondent got the lenders to form  a  consortium
and appointed State Bank of India as security trustee.  Thus, in  substance,
the mortgage deed between the SBI on behalf of the  lenders  and  respondent
is a combination of 13 mortgages  dealing  with  the  respondents  and  such
lenders, hence, the respondent cannot be allowed to evade payment  of  stamp
duty by forming a consortium.



15.   Learned counsel further submitted  that  the  instrument  in  question
relates to several distinct matters or  distinct  transactions  inasmuch  as
the respondent borrower availed distinct loan  from  13  different  lenders,
hence, the instrument falls under  Section  5  of  the  Gujarat  Stamp  Act.
Learned counsel also referred to the  Government  Circular   dated  2.4.2007
and submitted that clause (ii) of the Circular specified that an  instrument
like the present one would fall within the purview   of  Section  5  of  the
Act.



16.   Per contra, Mr. C.A. Sundaram, learned senior  counsel  appearing  for
the respondent, drew our attention to different  clauses  of  mortgage  deed
and submitted that security created by the said mortgage in  favour  of  the
security trustee shall become enforceable  only  by  security  trustee  upon
the occurrence of  event  of  default.   According  to  the  learned  senior
counsel since no independent  right  has  been  created  in  favour  of  the
lenders under the mortgage deed it cannot be  held  to  be  a  separate  and
distinct transaction.  According to Mr.  Sundaram,  Section  5  of  the  Act
shall not have any application.  Learned senior counsel further referred  to
the relevant paragraph of the judgment of this Court in  The  Member,  Board
of Revenue vs. Arthur Paul Benthall, 1955 SCR 842  and  submitted  that  the
ratio decided in the said Judgment fully applied in the present case.



17.   It was further contended what has to be looked into  for  the  purpose
of stamp duty is the instrument, i.e., the Mortgage Deed, to see whether  it
dealt with distinct matters.  The Mortgage Deed dealt with only  one  single
matter, i.e., the mortgage of a single property with one mortgagee.   Merely
because there was beneficial interest for all the individual  banks  forming
the consortium, this would not amount to distinct matters as per  the  ratio
of the Benthall Case, since  there  were  no  distinct  mortgages  regarding
distinct properties, but one common mortgage for one property.  Hence,  even
assuming that the banks were seen to have an individual interest, there  was
in fact a commonality of such interest with all the other “secured  lenders”
and, therefore, the instrument did not deal with distinct matters.



18.   According to the learned counsel, to decide  as  to  whether  and  how
such instrument is to be stamped it is that instrument alone that is  to  be
looked at and not other documents executed between the parties or  inter  se
the banks themselves or between the banks and a  party  to  the  instrument,
since those are not the instruments being stamped.  In fact, following  such
a course of action would amount to indirectly stamping the  loan  agreements
and STA twice, which is impermissible in law, since  those  instruments  had
already been separately and individually stamped.



19.   Lastly, it was contended that in any event, in the instant case,  even
if a doubt arises with regard to the interpretation of  the  Mortgage  Deed,
and as to whether it comprises distinct matters or not, the benefit of  such
doubt must be given to the assessee, i.e. the Respondent No.1, since  it  is
a settled principle of interpretation of fiscal statutes  that  in  case  of
ambiguity, the interpretation favourable to the assessee must be adopted.





20.   In  light  of  the  aforesaid,  it  is  submitted  that  the  impugned
judgment, which has rightly decided  the matter in favour of the  Respondent
(assessee) and against the Appellant (revenue), does  not  suffer  from  any
infirmity.  Therefore, the present appeal ought  to  be  dismissed  by  this
Court. As a sequitor to the dismissal of the appeal,  the  appellant  should
also be directed to refund the excess stamp duty amount of  Rs.  50,41,600/-
that was deposited, under protest, by Respondent No.1.



21.  Before deciding the question first  of  all  we  shall  deal  with  the
relevant document to ascertain the nature of loan.

  1. Security Trustee Agreement dated 15.9.2008.

 The persons set out in Schedule II have been collectively  referred  to  as
the  “Senior  Lenders”  which  includes  their  successors,  transferee  and
assigns.   These  senior  dealers  entered  into  an  agreement   with   the
respondent  M/s. Costal Gujarat Power Limited, a  company  registered  under
the Companies Act and referred to as borrower.



22.   From the body of this agreement, it  reveals  that  the  borrower  had
requested the senior lenders i.e. thirteen banks/financial  institutions  to
make available to the borrower loan details of which is more fully  set  out
in Schedule II.   Pursuant  to  the  loan  agreement  entered  into  by  the
borrower and the senior lenders, each of senior lenders inter  alia   agreed
to provide to the borrower credit and loan facilities  to  finance  part  of
the project, costs of the project, more specifically  set  out  in  Schedule
II.  At this stage, we would like to extract herein Schedule II of the  said
Security Trustee Agreement:-

                                 SCHEDULE II
                                   PART A
                        LIST OF ECB FACILITY LENDERS

|Sr.  |ECB Facility    |Commitment   |Lending Office                       |
|No.  |                |(in Dollars  |                                     |
|     |                |millions)    |                                     |
|1    |Asian           |450          |Asian Development Bank, 6            |
|     |Development Bank|             |AD3 Avenue, Mandaluyong City 1550,   |
|     |                |             |Metro Manila, Philippines            |
|     |                |             |Facsimile: +63-2-636-2348            |
|2    |International   |450          |International Finance                |
|     |Finance         |             |Corporation, 2121 Pennsylvania       |
|     |Corporation     |             |Avenue, NW, Washington, D.C. 20433,  |
|     |                |             |United States of America             |
|3    |BNP Paribas, as |326.65       |Structured Finance - Asset Finance - |
|     |a KEIC          |             |Export Finance, 37,  Place du Marche |
|     |Covered Facility|             |Saint-Honore                         |
|     |Lender          |             |ACI CHDESAI 75031 Paris Cedex 01     |
|     |                |             |France                               |
|     |                |             |Attention: Commercial                |
|     |                |             |Support and Loan Implementation      |
|     |                |             |Facsimile: +33(0)1 43 1681           |
|     |                |             |83, With reference to:               |
|     |                |             |MUNDRA                               |
|4    |The Export-     |500          |Head Office in Seoul,  Korea         |
|     |Import Bank of  |             |The Export-Import  Bank of Kora      |
|     |Korea           |             |16-1, Yeouido-dong Yeongdeungpo-gu   |
|     |                |             |Seoul, 150-996                       |
|     |                |             |Republic of Korea                    |
|     |                |             |Facsimile: +82-2-3779-6747           |



                                   PART B

                       LIST OF RUPEE FACILITY LENDERS

|Sr.  |Details of Rupee Facility Lender and Lending Office    |Rupee        |
|No.  |                                                       |Commitment   |
|     |                                                       |(In Rupee    |
|     |                                                       |Crores)      |
|1    |INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED, having   |1800         |
|     |its Head Office at 1201-1207, Naurang House Kasturba   |             |
|     |Gandhi Marg, New Delhi -  110 001                      |             |
|     |Telephone No: 011-23736354                             |             |
|     |Fax No. 011-23736355                                   |             |
|2    |ORIENTAL BANK OF COMMERCE,                             |550          |
|     |having its Head office at Harsha Bhavan,               |             |
|     |E-Block, Connaught Place, New Delhi 110 001,           |             |
|     |and having its Large Corporate Branch at 181-A,        |             |
|     |Maker Tower ‘E’, 18th Floor, Cuffe Parade,             |             |
|     |Mumbai 400 005                                         |             |
|     |Telephone No: 022-221542.437 22 153836                 |             |
|     |Fax No. 022-22153533                                   |             |
|3    |STATE BANK OF BIKANER AND JAIPUR,                      |200          |
|     |having its Head Office at 5-A, Tilak Marg, Scheme,     |             |
|     |Jaipur – 302 016 and having its Commercial Network     |             |
|     |Branch at 239, P.D.Mello Road, Fort. Mumbai – 400 001. |             |
|     |Telephone No: 022-226557777 2262 1854                  |             |
|     |Fax No. 022-22651324                                   |             |
|4.   |State Bank of Hyderabad,                               |100          |
|     |having its Head Office At Gunfoundry, Hyderabad and    |             |
|     |having its Overseas                                    |             |
|     |Branch at Ashok Mahal, 1204, Tulloch Marg, Colaba,     |             |
|     |Mumbai-400 039.                                        |             |
|     |Telephone No.022-22042586/22820177                     |             |
|     |Fax No.022-22851321                                    |             |
|5.   |State Bank of India with its Corporate Centre          |2000         |
|     |At State Bank Bhavan, Madame Cama road, Mumbai         |             |
|     |400 021 and having its Project Finance SBU at 3rd Floor|             |
|     |State Bank Bhavan, Madam Cama Road,                    |             |
|     |Mumbai-400 021.                                        |             |
|     |Telephone No.022-22884150/22852538                     |             |
|     |Fax.022-22883021                                       |             |
|6.   |State Bank of Indore, having its head Office at 5,     |100          |
|     |Y.N.Road, Indore-452 003 and having its Commercial     |             |
|     |Branch at Mittal Court ‘B’ Wing, Nariman Point,        |             |
|     |Mumbai-400 021.                                        |             |
|     |Telephone No.022-228121557/22821558                    |             |
|     |Fax No.022-22835735                                    |             |
|7    |State Bank of Travancore, having its Head Office  At   |100          |
|     |Poojappura, Thiruvananthapuram-695012 and having       |             |
|     |Its Corporate Finance Branch at 12-115, Tulsiani       |             |
|     |Chambers,Nariman Point, Mumbai-400 021.                |             |
|     |Telephone No.022-30287007                              |             |
|     |Fax No.022-30287017.                                   |             |
|8    |The Housing and Urban Development Corporation          |500          |
|     |Ltd.Having its Head Office at HUDCO Bhawan, Core-7A,   |             |
|     |India Habitat Centre Lodhi road, New Delhi-110003,     |             |
|     |And having its Mumbai Regional Office at Shreyas       |             |
|     |Chambers, 2nd Floor, 175 Dr. D.N. Road, Fort,          |             |
|     |Mumbai-400 001.                                        |             |
|     |Telephone No.022-690080-84 Fax No.022-22690086         |             |
|9.   |Vijay bank, having its Head Office    At 41/2 Head     |500          |
|     |Office Building Trinity                                |             |
|     |Circle, Mahatma Gandhi Road Bangalore G.P.O.           |             |
|     |Bangalore-560001 and having its Industrial             |             |
|     |Finance Branch at New Excelsior Building, 2nd          |             |
|     |Floor, Fort Mubai-400 001. Telephone No.022-22079776   |             |
|     |Fax No.022-22075994.                                   |             |
|     |Total =                                                |5850         |


23.   It further appears  from  the  Security  Trustee  Agreement  that  the
entire financing of the project by Senior Lenders agreed to  be  secured  by
first ranking mortgage and pari passu charge/issuing  of  all  the  moveable
properties of the borrower. Further a first ranking  pari  passu  charge  of
all the borrowers account and each of the  other  accounts  required  to  be
created by borrower under any transaction document.



24.   For the aforesaid purpose, the Senior Lenders  and  the  issuing  bank
(SBI) desired that the borrowers settle a trust for the beneficial  interest
of the Senior Lenders  and  the  issuing  bank  (SBI)  had  to  empower  the
security trustee to  accept  the  lien  created  pursuant  to  the  security
document.  At the request of  the  borrower,  the  Senior  Lenders  and  the
issuing bank agreed to act as security trustee for the  secured  parties  on
the terms and conditions contained in the agreement  and  in  the  financing
document.  By the said agreement, the State Bank of India  (project  finance
SBI Bombay) was appointed as a security trustee to  act  on  behalf  of  the
secured parties, pursuant to the trust created by the said agreement.



25.   On 6th October, 2009, an indenture on mortgage  was  executed  by  and
between the borrower, M/s. Costal Gujarat Power Limited and  State  Bank  of
India as in the capacity as security trustee for the Senior Lenders  as  set
out in the schedule  of  this  mortgage  deed.   In  the  said  deed  it  is
mentioned inter alia  that pursuant to the  Senior  Loan  Agreement  entered
into between the borrower and senior lenders, each  of  the  senior  lenders
have agreed to extend to the borrower the loan to  the  maximum  extent  set
out in schedule-I.  By  this  indenture,  English  Mortgage  in  respect  of
immovable property was created.  The relevant clauses of Mortgage  deed  are
set out herein below:-

                                                            (Emphasis given)



“2.  Benefit of Indenture.  The Security Trustee, acting for the benefit  of
the secured parties shall hold the Security created by the borrower  in  its
favour this indenture over  the mortgaged properties including convents  and
mortgages given by  the  borrowers  pursuant  hereto,  upon  trust  for  the
benefit of  the  secured  parties  subject  to  the  powers  and  provisions
contained herein and in the Security Trustee Agreement, for the due  payment
of the mortgage Debt and performance of all obligations under the  financing
Documents.



4.  Grant and Transfers:-For the consideration aforesaid and  as  continuing
security for the payment and discharge of the mortgage Debt and  performance
of all obligations under the Financing  Documents  by  the  Borrower  hereby
secured or intended to be hereby secured, the Borrower  both  hereby  grant,
assign, convey assure, charge and transfer into  the  Security  Trustee  for
the benefit of the secured Parties by was of a first  mortgage  and  charge)
all the  rights  title,  interest  and  benefit  in  all  and  singular  the
beneficial  right title and interest of  the  Borrower  in  respect  of  the
immovable property situated in situated in district Mundra in the  State  of
Gujarat more particularly described in Schedule 2 hereinunder  written  (the
“delayed After Acquired Assets”) together with all buildings  erections  and
constructions of every description which are standing  erected  or  attached
or shall at any time  hereafter  during  the  continuance  of  the  Security
hereby lands and premises or any part thereof and all rights to  use  common
areas and facilities and incidentals attached  hereto,  together  with   all
trees, fences, hedges, ditches, ways sewers, drains,  waters,  watercourses,
liberties, privileges, easements and appurtenances whatsoever  to  the  said
lands, hereditaments or premises or any part thereof  whether  presently  in
existence or in the future belonging to or  in  anyway  appurtenant  thereto
and all  the  estate,  right  title,  interest  property  claim  and  demand
whatsoever of the Borrower into and upon the same  which  description  shall
include all properties  of  the  above  description  whether  presently   in
existence constructed or acquired hereafter  (the  “Mortgaged  Properties”).
To have and to hold all and singular the Mortgaged Properties into unto  and
to the use of the security Trustee Upon Trust and subject to the powers  and
provisions herein contained and subject also to the proviso  for  redemption
hereinafter mentioned.



5.  Pari Passu Ranking:-  The mortgage and first charge created pursuant  to
security 4 hereto  in favour of the Security Trustee for the benefit of  the
Secured parties shall rank pari passu inter-se and  without  and  preference
or priority over each other.

The mortgage and first charge to  be  created  in  favour  of  the  Security
Trustee for the benefit of the Working Capital lenders and  if  approved  in
accordance with the Hedging Plan, the Hedge provides shall rank  pari  passu
inter-se and  with  the  Secured  Parties  and  without  any  preference  or
priority over each other and the secured  parties  once  such  mortgage  and
charge in relation to the Mortgaged properties is created in their favour.”



26.   Clauses 18.1 and 18.3 are also relevant and reproduced herein under:-

“18.1   Section 67A of the Transfer of Property Act, 1882:-  The  provisions
of Section 67-A of the Transfer of Property ct, 1882,  shall  not  apply  to
these presents.  Notwithstanding that the Security Trustee may hold  two  of
more mortgages executed by the Borrower including these presents in  respect
of which the Security trustee has the right to obtain the  kind  of  decrees
under section 67 of  the  Transfer  of  Property  Act,  1882,  the  Security
Trustee shall be entitled to sue and obtain  such  decree  on  any  of  such
mortgages without being bound to sue on all such  mortgages  in  respect  of
which the mortgage money shall have become due.”



27. Clause 23.1, deals with the manner of payment of stamp duty.   The  said
clause reads as under:-

“23.1.      Stamp Duty and Other Fees  on  Execution,  Registration,  etc.:-
The Borrower shall pay all stamp duty, other duties, taxes, fees,  penalties
or other charges payable on or in  connection  with  the  execution,  issue,
delivery, registration of this Indenture,  the  Security  Trustee  Agreement
and any document, act and registration performed  pursuant  hereto,  if  and
when the Borrower may be required to pay the same according to  any  of  the
Financing Documents or according to the Applicable Law for  the  time  being
or at any time in orce in the State in which its  properties  are  situated.
If the Borrower fails to pay the stamp  duty,  other  duties,  Taxes,  fees,
penalties or other charges payable hereinabove, then  the  Security  Trustee
may (but is not obligated to) pay such amounts, on behalf of  the  Borrower.
Any money paid by the Security Trustee  as  aforesaid,  shall  constitute  a
part of the Mortgage Debt.”





28.   From the facts discussed and  narrated  hereinabove,  it  is  manifest
that the instrument of mortgage came into  existence  only  after   separate
loan agreements were executed by the borrower with the lenders  with  regard
to separate loan advanced by those lenders to the respondent borrower.   The
mortgage  deed  which  recites  at  length  as  to  how   and   under   what
circumstances property was mortgaged with the security trustee  for  and  on
behalf of lender bank.



29.   When several matters are contained in one instrument,  what  stamp  is
payable thereon in England  has  been  dealt  with  and  Halsbury’s  Law  of
England 4th Edition volume 44 paragraph 613 at page  399  is  quoted  herein
below:-

“613. Instrument  relating  to  several  matters.   Except  where  there  is
statutory provision to the contrary, an instrument  containing  or  relating
to several distinct matters is to be separately charged, as  if  it  were  a
separate instrument, with stamp duty in respect of each of the matters,  and
an instrument  made  for  any  consideration  in  respect  of  which  it  is
chargeable with ad valorem duty, and also for any further or other  valuable
consideration,  is  separately  chargeable,  as  if  it  were   a   separate
instrument, in respect of each of the consideration.”



30.   Coming to the provisions contained in the Stamp Act, we  have  to  see
as to whether the provision of Section 5 is ancillary  to  Section  4  or  a
separate and distinct provision.  For better appreciation Sections 4, 5  and
6 of the Gujarat Stamp Act is reproduced herein below:-

“Section  4-  Several  instruments  used  in  single  transaction  of  sale,
mortgage or settlement.

(1) Where, in  the  case  of  any  sale,  mortgage  or  settlement,  several
instruments are employed  for  completing  the  transaction,  the  principle
instrument only shall be chargeable with the duty prescribed in  Schedule  I
for  the  conveyance,  mortgage  or  settlement,  and  each  of  the   other
instruments shall be chargeable with  a  duty  of  1  [one  hundred  rupees]
instead of the duty (if any) prescribed for it in that Schedule.

(2) The parties may determine for themselves which  of  the  instruments  so
employed shall, for the purposes of sub-section (1), be  deemed  to  be  the
principal instrument.

Provided that the duty chargeable on the instrument so determined  shall  be
the highest duty which would be chargeable in respect of  any  of  the  said
instruments employed.



Section 5 - Instrument relating to  several  distinct  matters  or  distinct
transactions. Any instrument comprising  or  relating  to  several  distinct
matters shall be chargeable with the aggregate amount  of  the  duties  with
which separate instrument, each  comprising  or  relating  to  one  of  such
matters or distinct transactions, would be chargeable under this Act.



6. Instruments coming within several descriptions in Schedule I.-Subject  to
the provisions of the last preceding section, an instrument so framed as  to
come within two or more of the descriptions in Schedule I, shall, where  the
duties chargeable thereunder are different,  be  chargeable  only  with  the
highest of such duties: Provided that nothing in this  Act  contained  shall
render chargeable with duty exceeding one rupee a counterpart  or  duplicate
of any instrument chargeable with duty and in respect of  which  the  proper
duty has-been paid.”





31.   From bare reading of these provisions, it  is  clear  that  Section  4
deals with single transaction  completed  in  several  instruments,  whereas
Section 5 deals only with the  instrument  which  comprises  more  than  one
transaction and it is immaterial for the purpose whether those  transactions
are of the same category or of different categories.




32.   It appears from the trustee document that  altogether  13  banks  lent
money to the  mortgagor,  details  of  which  have  been  described  in  the
schedule and for the repayment of money, the borrower entered into  separate
loan agreements with 13 financial institutions.  Had this  borrower  entered
into a separate mortgage deed with these financial institutions in order  to
secure the loan there would have  been  a  separate  document  for  distinct
transactions.  On proper construction of this indenture of mortgage  it  can
safely be regarded as 13 distinct transactions which falls under  Section  5
of the Act.

                                                                   REPORTABLE

                        IN THE SUPREME COURT OF INDIA
                        CIVIL APPELLATE JURISDICTION


                      CIVIL APPEAL NO.   6054   OF 2015
                 (Arising out of S.L.P.(C) NO.32319 of 2013)


Chief Controlling Revenue Authority                          …..Appellant(s)

                                   Versus

Costal Gujarat Power Ltd. and others                         ..Respondent(s)



                                  JUDGMENT

M. Y. EQBAL, J.



Leave granted.

2.    The Full Bench of the Gujarat High Court  on  reference  made  by  the
Chief Controlling Revenue Authority, State of Gujarat under  Section  54(1A)
of the Gujarat Stamp Act, 1958 (in short, “the Act”),  passed  the  impugned
judgment and order dated 3.12.2012 in Stamp  Reference  No.1/2011  answering
the reference in favour of the respondent and against  the  Revenue  holding
that the respondent was not required to pay the dues of deficit  stamp  duty
of Rs. 50,41,600/-.

3.    The questions referred to the High Court for its opinion and  decision
arise as under:-

      (A)   The deed of “indenture the deed of mortgage  for  delayed  after
assets” which was registered on 6.10.2009 vide Regn. No.3375  registered  at
office of Sub-Registrar, Mundra (District  Kachchh)  by  the  applicant  has
paid Rs.4,21,000/- whether as per provision of Sections 5,  3(a),  3(B)  and
the Schedule-1’s Articles 6 and 36(b)  the  applicant  is  required  to  pay
deficit stamp duty of Rs.50,41,600/- or not.”

      (B)   The deed of “indenture the deed of mortgage  for  delayed  after
assets” which was registered on 6.10.2009 vide Regn.no.3375, at  the  office
of  the  Sub-Registrar,  Mundra  (District  Kachchh)  by  the  applicant  is
required to be considered as per Schedule 1’s  Articles  6  and  36  as  per
simple mortgage and whether the applicant is required to  pay  Rs.  4,21,600
or not?”



4.    The facts of the case lie in a narrow compass.



5.     The respondent is a Company named Coastal Gujarat Power  Ltd  and  it
needed financial assistance for setting up an Ultra Mega  Power  Project  in
the area of Kutch-Bhuj and for that purpose it secured assistance  from  few
lenders.  The lenders i.e. financial institutions, which  were  thirteen  in
number, formed a consortium as a  trust  and  executed  a  security  trustee
agreement (STA) inter se appointing one  banker,  viz.  the  State  Bank  of
India as the lead trustee, called the security trustee.  The duties  of  the
security trustee are carved out in the said agreement of security  trustees.




6.   The respondent executed an “Indenture of  Mortgage  for  Delayed  After
Assets Deed’ with the State  Bank  of  India,  the  said  security  trustee,
mortgaging its assets as mentioned in the deed itself.   The  said  document
was presented for registration before the Sub-Registrar,  Mudra,  by  paying
stamp duty of Rs. 4,21,000/- and the deed was registered.



7.    According to the appellant, the  respondent  was  liable  to  pay  Rs.
54,62,000/- on the said deed and, hence, demanded the balance amount of  Rs.
50,41,000/-  from  the   respondent  by  issuing  show  cause  notice  dated
5.11.2009.  The  issue  was  forwarded  for  consideration  of  the   Deputy
Collector, Stamp Duty Valuation Organisation, Bhuj-Kutch  under  Section  33
of the Act.



8.    The respondent was given an opportunity  of  hearing  and  vide  order
dated April, 3, 2010, the Deputy Collector  held  that  the  respondent  was
liable to pay the deficit stamp duty with the amount of penalty of  Rs.250/-
.



9.  The revision application filed by the respondent under Section 53[1]  of
the Act was dismissed vide order  dated  March,  28,  2011.  The  respondent
thereafter made an application under Section  54[1-A]  of  the  Act  thereby
giving rise to the Reference Proceedings.



10.   By way of the Reference, the opinion of the High Court was  sought  on
the questions referred hereinabove.



11.   The High Court opined that the State of Gujarat  is  not  entitled  to
recover  any  additional  stamp  duty  based  upon  its  perception  of  the
legislative intendment behind Section 5 of the Act.  The  Court  noted  that
stamp duty is payable on instruments and not  on  transactions.   Therefore,
merely because the intended effect was  achieved  by  executing  one  single
document as against different sets of documents, such fact would not  enable
the State  authorities  to  justify  the  conclusion  that  the  one  single
document falls under the purview of Section 5 of the Act.  It was SBI  alone
which had the power to enforce the  document  against  the  respondent.  The
High Court further opined that there being only one  instrument  creating  a
mortgage by a borrower in  favour  of  a  security  trustee,  such  relation
between  the  borrower  and  security  trustee   is   independent   of   the
relationship between the borrower and the lending banks.   The  relationship
between the borrower and the security trustee is that  of  a  mortgagor  and
mortgagee. By taking aid of the provision of the Indian Trust Act and  after
creation of a different valid trust deed and making  payment  of  stamp-duty
thereon in accordance with law, the State Bank of India became the  security
trustee of the lending Banks and held the mortgage  for  and  on  behalf  of
those beneficiaries.  Therefore,  by  the  instrument  in  question,  either
fictionally or otherwise, no separate or distinct  matters  or  transactions
are created. Thus, the applicant is the mortgagor and  the  S.B.I.,  in  the
capacity of a trustee, is the mortgagee.  The instrument  does  not  involve
either “distinct matters”  or  “distinct  transactions”  so  as  to  attract
Section 5 of the Act. The Court found from the  document  in  question  that
the State Bank of India is the only mortgagee under the  instrument  and  no
rights in the mortgaged property had  been  created  in  favour  of  secured
parties or any other persons.



12.  The High Court further opined that the  principles  laid  down  in  The
Member, Board of Revenue vs. Arthur Paul Benthall, 1955 SCR 84,  can  be  of
no assistance to the State in  this  case.   Indisputably,  nobody  disputed
that the instrument in question is a mortgage deed  and  that  according  to
the provisions of the Act, the same should be  charged  in  accordance  with
the schedule 1.  Thus, by no stretch of imagination, the said mortgage  deed
is treated as a combination of thirteen lenders by taking aid of  the  above
principles.  Finally, the Full Bench  held  that  on  consideration  of  the
entire materials on record, the reference was answered as  Point [A] No  and
Point [B] yes.



13.   Hence, the present appeal by special leave.



14.   Mr. Preetesh Kapur,  learned  counsel  appearing  for  the  appellant,
Revenue Authority, assailed the impugned judgment passed by the  Full  Bench
of the Gujarat High Court as being erroneous and contrary to the  provisions
of the Stamp Act in the matter of Payment of Stamp  Duty.   Learned  counsel
submitted that the High Court has failed to appreciate that the  respondents
had formed the consortium and had executed the present mortgage  instead  of
several distinct instruments of mortgage with the sole  purpose  of  evading
Stamp Duty.  Learned counsel submitted that admittedly the  respondents  had
availed  financial  assistance  from  13  lenders  for   its   project   and
consequently, the respondent  was  required  to  execute  mortgage  deed  in
favour of the 13 lenders.  However, in order to avoid payment of Stamp  Duty
on each mortgage deed, the respondent got the lenders to form  a  consortium
and appointed State Bank of India as security trustee.  Thus, in  substance,
the mortgage deed between the SBI on behalf of the  lenders  and  respondent
is a combination of 13 mortgages  dealing  with  the  respondents  and  such
lenders, hence, the respondent cannot be allowed to evade payment  of  stamp
duty by forming a consortium.



15.   Learned counsel further submitted  that  the  instrument  in  question
relates to several distinct matters or  distinct  transactions  inasmuch  as
the respondent borrower availed distinct loan  from  13  different  lenders,
hence, the instrument falls under  Section  5  of  the  Gujarat  Stamp  Act.
Learned counsel also referred to the  Government  Circular   dated  2.4.2007
and submitted that clause (ii) of the Circular specified that an  instrument
like the present one would fall within the purview   of  Section  5  of  the
Act.



16.   Per contra, Mr. C.A. Sundaram, learned senior  counsel  appearing  for
the respondent, drew our attention to different  clauses  of  mortgage  deed
and submitted that security created by the said mortgage in  favour  of  the
security trustee shall become enforceable  only  by  security  trustee  upon
the occurrence of  event  of  default.   According  to  the  learned  senior
counsel since no independent  right  has  been  created  in  favour  of  the
lenders under the mortgage deed it cannot be  held  to  be  a  separate  and
distinct transaction.  According to Mr.  Sundaram,  Section  5  of  the  Act
shall not have any application.  Learned senior counsel further referred  to
the relevant paragraph of the judgment of this Court in  The  Member,  Board
of Revenue vs. Arthur Paul Benthall, 1955 SCR 842  and  submitted  that  the
ratio decided in the said Judgment fully applied in the present case.



17.   It was further contended what has to be looked into  for  the  purpose
of stamp duty is the instrument, i.e., the Mortgage Deed, to see whether  it
dealt with distinct matters.  The Mortgage Deed dealt with only  one  single
matter, i.e., the mortgage of a single property with one mortgagee.   Merely
because there was beneficial interest for all the individual  banks  forming
the consortium, this would not amount to distinct matters as per  the  ratio
of the Benthall Case, since  there  were  no  distinct  mortgages  regarding
distinct properties, but one common mortgage for one property.  Hence,  even
assuming that the banks were seen to have an individual interest, there  was
in fact a commonality of such interest with all the other “secured  lenders”
and, therefore, the instrument did not deal with distinct matters.



18.   According to the learned counsel, to decide  as  to  whether  and  how
such instrument is to be stamped it is that instrument alone that is  to  be
looked at and not other documents executed between the parties or  inter  se
the banks themselves or between the banks and a  party  to  the  instrument,
since those are not the instruments being stamped.  In fact, following  such
a course of action would amount to indirectly stamping the  loan  agreements
and STA twice, which is impermissible in law, since  those  instruments  had
already been separately and individually stamped.



19.   Lastly, it was contended that in any event, in the instant case,  even
if a doubt arises with regard to the interpretation of  the  Mortgage  Deed,
and as to whether it comprises distinct matters or not, the benefit of  such
doubt must be given to the assessee, i.e. the Respondent No.1, since  it  is
a settled principle of interpretation of fiscal statutes  that  in  case  of
ambiguity, the interpretation favourable to the assessee must be adopted.





20.   In  light  of  the  aforesaid,  it  is  submitted  that  the  impugned
judgment, which has rightly decided  the matter in favour of the  Respondent
(assessee) and against the Appellant (revenue), does  not  suffer  from  any
infirmity.  Therefore, the present appeal ought  to  be  dismissed  by  this
Court. As a sequitor to the dismissal of the appeal,  the  appellant  should
also be directed to refund the excess stamp duty amount of  Rs.  50,41,600/-
that was deposited, under protest, by Respondent No.1.



21.  Before deciding the question first  of  all  we  shall  deal  with  the
relevant document to ascertain the nature of loan.

  1. Security Trustee Agreement dated 15.9.2008.

 The persons set out in Schedule II have been collectively  referred  to  as
the  “Senior  Lenders”  which  includes  their  successors,  transferee  and
assigns.   These  senior  dealers  entered  into  an  agreement   with   the
respondent  M/s. Costal Gujarat Power Limited, a  company  registered  under
the Companies Act and referred to as borrower.



22.   From the body of this agreement, it  reveals  that  the  borrower  had
requested the senior lenders i.e. thirteen banks/financial  institutions  to
make available to the borrower loan details of which is more fully  set  out
in Schedule II.   Pursuant  to  the  loan  agreement  entered  into  by  the
borrower and the senior lenders, each of senior lenders inter  alia   agreed
to provide to the borrower credit and loan facilities  to  finance  part  of
the project, costs of the project, more specifically  set  out  in  Schedule
II.  At this stage, we would like to extract herein Schedule II of the  said
Security Trustee Agreement:-

                                 SCHEDULE II
                                   PART A
                        LIST OF ECB FACILITY LENDERS

|Sr.  |ECB Facility    |Commitment   |Lending Office                       |
|No.  |                |(in Dollars  |                                     |
|     |                |millions)    |                                     |
|1    |Asian           |450          |Asian Development Bank, 6            |
|     |Development Bank|             |AD3 Avenue, Mandaluyong City 1550,   |
|     |                |             |Metro Manila, Philippines            |
|     |                |             |Facsimile: +63-2-636-2348            |
|2    |International   |450          |International Finance                |
|     |Finance         |             |Corporation, 2121 Pennsylvania       |
|     |Corporation     |             |Avenue, NW, Washington, D.C. 20433,  |
|     |                |             |United States of America             |
|3    |BNP Paribas, as |326.65       |Structured Finance - Asset Finance - |
|     |a KEIC          |             |Export Finance, 37,  Place du Marche |
|     |Covered Facility|             |Saint-Honore                         |
|     |Lender          |             |ACI CHDESAI 75031 Paris Cedex 01     |
|     |                |             |France                               |
|     |                |             |Attention: Commercial                |
|     |                |             |Support and Loan Implementation      |
|     |                |             |Facsimile: +33(0)1 43 1681           |
|     |                |             |83, With reference to:               |
|     |                |             |MUNDRA                               |
|4    |The Export-     |500          |Head Office in Seoul,  Korea         |
|     |Import Bank of  |             |The Export-Import  Bank of Kora      |
|     |Korea           |             |16-1, Yeouido-dong Yeongdeungpo-gu   |
|     |                |             |Seoul, 150-996                       |
|     |                |             |Republic of Korea                    |
|     |                |             |Facsimile: +82-2-3779-6747           |



                                   PART B

                       LIST OF RUPEE FACILITY LENDERS

|Sr.  |Details of Rupee Facility Lender and Lending Office    |Rupee        |
|No.  |                                                       |Commitment   |
|     |                                                       |(In Rupee    |
|     |                                                       |Crores)      |
|1    |INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED, having   |1800         |
|     |its Head Office at 1201-1207, Naurang House Kasturba   |             |
|     |Gandhi Marg, New Delhi -  110 001                      |             |
|     |Telephone No: 011-23736354                             |             |
|     |Fax No. 011-23736355                                   |             |
|2    |ORIENTAL BANK OF COMMERCE,                             |550          |
|     |having its Head office at Harsha Bhavan,               |             |
|     |E-Block, Connaught Place, New Delhi 110 001,           |             |
|     |and having its Large Corporate Branch at 181-A,        |             |
|     |Maker Tower ‘E’, 18th Floor, Cuffe Parade,             |             |
|     |Mumbai 400 005                                         |             |
|     |Telephone No: 022-221542.437 22 153836                 |             |
|     |Fax No. 022-22153533                                   |             |
|3    |STATE BANK OF BIKANER AND JAIPUR,                      |200          |
|     |having its Head Office at 5-A, Tilak Marg, Scheme,     |             |
|     |Jaipur – 302 016 and having its Commercial Network     |             |
|     |Branch at 239, P.D.Mello Road, Fort. Mumbai – 400 001. |             |
|     |Telephone No: 022-226557777 2262 1854                  |             |
|     |Fax No. 022-22651324                                   |             |
|4.   |State Bank of Hyderabad,                               |100          |
|     |having its Head Office At Gunfoundry, Hyderabad and    |             |
|     |having its Overseas                                    |             |
|     |Branch at Ashok Mahal, 1204, Tulloch Marg, Colaba,     |             |
|     |Mumbai-400 039.                                        |             |
|     |Telephone No.022-22042586/22820177                     |             |
|     |Fax No.022-22851321                                    |             |
|5.   |State Bank of India with its Corporate Centre          |2000         |
|     |At State Bank Bhavan, Madame Cama road, Mumbai         |             |
|     |400 021 and having its Project Finance SBU at 3rd Floor|             |
|     |State Bank Bhavan, Madam Cama Road,                    |             |
|     |Mumbai-400 021.                                        |             |
|     |Telephone No.022-22884150/22852538                     |             |
|     |Fax.022-22883021                                       |             |
|6.   |State Bank of Indore, having its head Office at 5,     |100          |
|     |Y.N.Road, Indore-452 003 and having its Commercial     |             |
|     |Branch at Mittal Court ‘B’ Wing, Nariman Point,        |             |
|     |Mumbai-400 021.                                        |             |
|     |Telephone No.022-228121557/22821558                    |             |
|     |Fax No.022-22835735                                    |             |
|7    |State Bank of Travancore, having its Head Office  At   |100          |
|     |Poojappura, Thiruvananthapuram-695012 and having       |             |
|     |Its Corporate Finance Branch at 12-115, Tulsiani       |             |
|     |Chambers,Nariman Point, Mumbai-400 021.                |             |
|     |Telephone No.022-30287007                              |             |
|     |Fax No.022-30287017.                                   |             |
|8    |The Housing and Urban Development Corporation          |500          |
|     |Ltd.Having its Head Office at HUDCO Bhawan, Core-7A,   |             |
|     |India Habitat Centre Lodhi road, New Delhi-110003,     |             |
|     |And having its Mumbai Regional Office at Shreyas       |             |
|     |Chambers, 2nd Floor, 175 Dr. D.N. Road, Fort,          |             |
|     |Mumbai-400 001.                                        |             |
|     |Telephone No.022-690080-84 Fax No.022-22690086         |             |
|9.   |Vijay bank, having its Head Office    At 41/2 Head     |500          |
|     |Office Building Trinity                                |             |
|     |Circle, Mahatma Gandhi Road Bangalore G.P.O.           |             |
|     |Bangalore-560001 and having its Industrial             |             |
|     |Finance Branch at New Excelsior Building, 2nd          |             |
|     |Floor, Fort Mubai-400 001. Telephone No.022-22079776   |             |
|     |Fax No.022-22075994.                                   |             |
|     |Total =                                                |5850         |


23.   It further appears  from  the  Security  Trustee  Agreement  that  the
entire financing of the project by Senior Lenders agreed to  be  secured  by
first ranking mortgage and pari passu charge/issuing  of  all  the  moveable
properties of the borrower. Further a first ranking  pari  passu  charge  of
all the borrowers account and each of the  other  accounts  required  to  be
created by borrower under any transaction document.



24.   For the aforesaid purpose, the Senior Lenders  and  the  issuing  bank
(SBI) desired that the borrowers settle a trust for the beneficial  interest
of the Senior Lenders  and  the  issuing  bank  (SBI)  had  to  empower  the
security trustee to  accept  the  lien  created  pursuant  to  the  security
document.  At the request of  the  borrower,  the  Senior  Lenders  and  the
issuing bank agreed to act as security trustee for the  secured  parties  on
the terms and conditions contained in the agreement  and  in  the  financing
document.  By the said agreement, the State Bank of India  (project  finance
SBI Bombay) was appointed as a security trustee to  act  on  behalf  of  the
secured parties, pursuant to the trust created by the said agreement.



25.   On 6th October, 2009, an indenture on mortgage  was  executed  by  and
between the borrower, M/s. Costal Gujarat Power Limited and  State  Bank  of
India as in the capacity as security trustee for the Senior Lenders  as  set
out in the schedule  of  this  mortgage  deed.   In  the  said  deed  it  is
mentioned inter alia  that pursuant to the  Senior  Loan  Agreement  entered
into between the borrower and senior lenders, each  of  the  senior  lenders
have agreed to extend to the borrower the loan to  the  maximum  extent  set
out in schedule-I.  By  this  indenture,  English  Mortgage  in  respect  of
immovable property was created.  The relevant clauses of Mortgage  deed  are
set out herein below:-

                                                            (Emphasis given)



“2.  Benefit of Indenture.  The Security Trustee, acting for the benefit  of
the secured parties shall hold the Security created by the borrower  in  its
favour this indenture over  the mortgaged properties including convents  and
mortgages given by  the  borrowers  pursuant  hereto,  upon  trust  for  the
benefit of  the  secured  parties  subject  to  the  powers  and  provisions
contained herein and in the Security Trustee Agreement, for the due  payment
of the mortgage Debt and performance of all obligations under the  financing
Documents.



4.  Grant and Transfers:-For the consideration aforesaid and  as  continuing
security for the payment and discharge of the mortgage Debt and  performance
of all obligations under the Financing  Documents  by  the  Borrower  hereby
secured or intended to be hereby secured, the Borrower  both  hereby  grant,
assign, convey assure, charge and transfer into  the  Security  Trustee  for
the benefit of the secured Parties by was of a first  mortgage  and  charge)
all the  rights  title,  interest  and  benefit  in  all  and  singular  the
beneficial  right title and interest of  the  Borrower  in  respect  of  the
immovable property situated in situated in district Mundra in the  State  of
Gujarat more particularly described in Schedule 2 hereinunder  written  (the
“delayed After Acquired Assets”) together with all buildings  erections  and
constructions of every description which are standing  erected  or  attached
or shall at any time  hereafter  during  the  continuance  of  the  Security
hereby lands and premises or any part thereof and all rights to  use  common
areas and facilities and incidentals attached  hereto,  together  with   all
trees, fences, hedges, ditches, ways sewers, drains,  waters,  watercourses,
liberties, privileges, easements and appurtenances whatsoever  to  the  said
lands, hereditaments or premises or any part thereof  whether  presently  in
existence or in the future belonging to or  in  anyway  appurtenant  thereto
and all  the  estate,  right  title,  interest  property  claim  and  demand
whatsoever of the Borrower into and upon the same  which  description  shall
include all properties  of  the  above  description  whether  presently   in
existence constructed or acquired hereafter  (the  “Mortgaged  Properties”).
To have and to hold all and singular the Mortgaged Properties into unto  and
to the use of the security Trustee Upon Trust and subject to the powers  and
provisions herein contained and subject also to the proviso  for  redemption
hereinafter mentioned.



5.  Pari Passu Ranking:-  The mortgage and first charge created pursuant  to
security 4 hereto  in favour of the Security Trustee for the benefit of  the
Secured parties shall rank pari passu inter-se and  without  and  preference
or priority over each other.

The mortgage and first charge to  be  created  in  favour  of  the  Security
Trustee for the benefit of the Working Capital lenders and  if  approved  in
accordance with the Hedging Plan, the Hedge provides shall rank  pari  passu
inter-se and  with  the  Secured  Parties  and  without  any  preference  or
priority over each other and the secured  parties  once  such  mortgage  and
charge in relation to the Mortgaged properties is created in their favour.”



26.   Clauses 18.1 and 18.3 are also relevant and reproduced herein under:-

“18.1   Section 67A of the Transfer of Property Act, 1882:-  The  provisions
of Section 67-A of the Transfer of Property ct, 1882,  shall  not  apply  to
these presents.  Notwithstanding that the Security Trustee may hold  two  of
more mortgages executed by the Borrower including these presents in  respect
of which the Security trustee has the right to obtain the  kind  of  decrees
under section 67 of  the  Transfer  of  Property  Act,  1882,  the  Security
Trustee shall be entitled to sue and obtain  such  decree  on  any  of  such
mortgages without being bound to sue on all such  mortgages  in  respect  of
which the mortgage money shall have become due.”



27. Clause 23.1, deals with the manner of payment of stamp duty.   The  said
clause reads as under:-

“23.1.      Stamp Duty and Other Fees  on  Execution,  Registration,  etc.:-
The Borrower shall pay all stamp duty, other duties, taxes, fees,  penalties
or other charges payable on or in  connection  with  the  execution,  issue,
delivery, registration of this Indenture,  the  Security  Trustee  Agreement
and any document, act and registration performed  pursuant  hereto,  if  and
when the Borrower may be required to pay the same according to  any  of  the
Financing Documents or according to the Applicable Law for  the  time  being
or at any time in orce in the State in which its  properties  are  situated.
If the Borrower fails to pay the stamp  duty,  other  duties,  Taxes,  fees,
penalties or other charges payable hereinabove, then  the  Security  Trustee
may (but is not obligated to) pay such amounts, on behalf of  the  Borrower.
Any money paid by the Security Trustee  as  aforesaid,  shall  constitute  a
part of the Mortgage Debt.”





28.   From the facts discussed and  narrated  hereinabove,  it  is  manifest
that the instrument of mortgage came into  existence  only  after   separate
loan agreements were executed by the borrower with the lenders  with  regard
to separate loan advanced by those lenders to the respondent borrower.   The
mortgage  deed  which  recites  at  length  as  to  how   and   under   what
circumstances property was mortgaged with the security trustee  for  and  on
behalf of lender bank.



29.   When several matters are contained in one instrument,  what  stamp  is
payable thereon in England  has  been  dealt  with  and  Halsbury’s  Law  of
England 4th Edition volume 44 paragraph 613 at page  399  is  quoted  herein
below:-

“613. Instrument  relating  to  several  matters.   Except  where  there  is
statutory provision to the contrary, an instrument  containing  or  relating
to several distinct matters is to be separately charged, as  if  it  were  a
separate instrument, with stamp duty in respect of each of the matters,  and
an instrument  made  for  any  consideration  in  respect  of  which  it  is
chargeable with ad valorem duty, and also for any further or other  valuable
consideration,  is  separately  chargeable,  as  if  it  were   a   separate
instrument, in respect of each of the consideration.”



30.   Coming to the provisions contained in the Stamp Act, we  have  to  see
as to whether the provision of Section 5 is ancillary  to  Section  4  or  a
separate and distinct provision.  For better appreciation Sections 4, 5  and
6 of the Gujarat Stamp Act is reproduced herein below:-

“Section  4-  Several  instruments  used  in  single  transaction  of  sale,
mortgage or settlement.

(1) Where, in  the  case  of  any  sale,  mortgage  or  settlement,  several
instruments are employed  for  completing  the  transaction,  the  principle
instrument only shall be chargeable with the duty prescribed in  Schedule  I
for  the  conveyance,  mortgage  or  settlement,  and  each  of  the   other
instruments shall be chargeable with  a  duty  of  1  [one  hundred  rupees]
instead of the duty (if any) prescribed for it in that Schedule.

(2) The parties may determine for themselves which  of  the  instruments  so
employed shall, for the purposes of sub-section (1), be  deemed  to  be  the
principal instrument.

Provided that the duty chargeable on the instrument so determined  shall  be
the highest duty which would be chargeable in respect of  any  of  the  said
instruments employed.



Section 5 - Instrument relating to  several  distinct  matters  or  distinct
transactions. Any instrument comprising  or  relating  to  several  distinct
matters shall be chargeable with the aggregate amount  of  the  duties  with
which separate instrument, each  comprising  or  relating  to  one  of  such
matters or distinct transactions, would be chargeable under this Act.



6. Instruments coming within several descriptions in Schedule I.-Subject  to
the provisions of the last preceding section, an instrument so framed as  to
come within two or more of the descriptions in Schedule I, shall, where  the
duties chargeable thereunder are different,  be  chargeable  only  with  the
highest of such duties: Provided that nothing in this  Act  contained  shall
render chargeable with duty exceeding one rupee a counterpart  or  duplicate
of any instrument chargeable with duty and in respect of  which  the  proper
duty has-been paid.”





31.   From bare reading of these provisions, it  is  clear  that  Section  4
deals with single transaction  completed  in  several  instruments,  whereas
Section 5 deals only with the  instrument  which  comprises  more  than  one
transaction and it is immaterial for the purpose whether those  transactions
are of the same category or of different categories.




32.   It appears from the trustee document that  altogether  13  banks  lent
money to the  mortgagor,  details  of  which  have  been  described  in  the
schedule and for the repayment of money, the borrower entered into  separate
loan agreements with 13 financial institutions.  Had this  borrower  entered
into a separate mortgage deed with these financial institutions in order  to
secure the loan there would have  been  a  separate  document  for  distinct
transactions.  On proper construction of this indenture of mortgage  it  can
safely be regarded as 13 distinct transactions which falls under  Section  5
of the Act.




33.   Both the learned counsel put reliance on the five Judges  Constitution
Bench Judgment of this Court in the Case of The  Member,  Board  of  Revenue
vs.  Arthur  Paul  Benthall  (supra).   The  said  case  originated  from  a
reference made to the High Court of  Calcutta  by  the  Revenue  Authorities
seeking  opinion with regard to the stamp duty payable  in  the  instrument.
The respondent in that case was at the material time the  Managing  Director
of M/s. Bird and Co. Ltd.  and Messrs F.W. Heilgers and Com. Ltd which  were
acting   Managing  Agents  of   several   Companies  Act  under  the  Indian
Companies Act.  The respondents were also Director  of  a  number  of  other
Companies, and had on occasions acted  as  liquidator of some Companies,  as
executor  or administrator of estates of deceased persons and as trustee  of
various estates.  He proposed to execute power of  attorney  empowering  the
M/s. Douglas Chisholm Fairbairn and John  James  Brims  Southerland  jointly
and severally to act  for  him  in  his  individual  capacity  and  also  as
executor administrator, trustee, Managing Agents, liquidator, and all  other
capacities.  The Collector referred the matter under Section  56(2)  of  the
Act to the decision of Chief Controller, Revenue Authority,  who  eventually
referred it to the High Court of  Calcutta  stating  his  own  opinion  that
stamp duty was payable on the power “for as many  respective  capacities  as
the principal executes the power”.  The majority  view  of  the  Bench  held
that the different capacities of the executants  would  not  constitute  the
distinct matter for the purpose of Section 5 of the Act and that the  proper
duty and instrument was payable under Article 48(d) of Schedule 1(a) of  the
Stamp Act.

 

34.    Answering  the  Reference,  the  Constitution  Bench  of  this  Court
elaborately discussed the scope and object of Sections 4,5,  and  6  of  the
Stamp Act and finally allowed the appeal.  Their Lordship held:-

“We  are  unable  to  accept  the  contention  that  the  word  "matter"  in
section 5 was intended to convey the same meaning as the word  "description"
in section 6. In its popular sense, the expression "distinct matters"  would
connote something different from  distinct  "categories".  Two  transactions
might be of same description, but all the same, they might be  distinct.  If
A sells Black-acre to X and mortgages  White-acre  to  Y,  the  transactions
fall under different categories, and they are also distinct matters. But  if
A mortgages Black-acre to X and White-acre to Y, the two  transactions  fall
under the same category, but they would certainly be  distinct  matters.  If
the intention of the legislature was that the expression  'distinct  matter'
in section5 should be understood not in its popular sense  but  narrowly  as
meaning different categories  in  the  Schedule,  nothing  would  have  been
easier than to say so. When two words of different  import  are  used  in  a
statute in two consecutive provisions, it would  be  difficult  to  maintain
that they are used in the same sense, and the conclusion  must  follow  that
the  expression  "distinct  matters"  in  section 5 and   "description"   in
section 6 have different connotations.”

 

35.   Their Lordships further held that:-

“When a person possesses both  a  personal  capacity  and  a  representative
capacity, such as trustee, and there is a delegation  of  power  by  him  in
both those capacities, the position  in  law  is  exactly  the  same  as  if
different persons join in executing a power in respect of matters which  are
unrelated. There being no community of interest between the personal  estate
belonging to the executant and the trust estate vested in him, they must  be
held to be distinct matters for purposes of section 5. The position  is  the
same when a person is executor or administrator, because  in  that  capacity
he represents the estate  of  the  deceased,  whose  persona  is  deemed  to
continue in him for purposes of administration.

 

 

36.   We have also gone through the provisions  contained  in  Sections  33,
39, Article 6 and 6(b) of the Act  as  also  Bombay  Stamp  (Gujarat  Second
Amendment) Rules, 2007 and the Circular dated 2.4.2007.   After  giving  out
anxious consideration to those provisions and  also  in  the  light  of  the
ratio decided by the Constitution Bench of this Court in The  Benthall  case
(supra), we are of the definite opinion that the High  Court  has  committed
serious error of law in interpreting the provisions of Sections 5 and  6  of
the Act.  Consequently, the answer given by the High Court on the  Reference
cannot be sustained in Law.

 

 

37.   As a result, this appeal is allowed, the impugned order is set  aside.
 It is held that  the  respondent  is  liable  to  pay  deficit  stamp  duty
together with interest as directed by  the  revenue  authorities.   However,
there shall be no order as to costs.

 


                                                              …………………………….J.
                                                                (M.Y. Eqbal)

 

                                                              …………………………….J.
                                                               (Arun Mishra)
New Delhi
August 11, 2015
ITEM NO.1B               COURT NO.10               SECTION IX
(For Judgment)

               S U P R E M E  C O U R T  O F  I N D I A
                       RECORD OF PROCEEDINGS

Civil Appeal No. 6054 of 2015 @ Petition(s) for Special Leave to Appeal (C)
 No(s).  32319/2013

CHIEF CONTROLLING REVENUE AUTHORITY                Petitioner(s)

                                VERSUS

COSTAL GUJARAT POWER LTD. & ORS.                   Respondent(s)


Date : 11/08/2015 This petition was called on for pronouncement of judgment
today.

For Petitioner(s)
                        Ms. Jesal, Adv.
                     For Ms. Hemantika Wahi,Adv.

For Respondent(s)
                     Mr. Dheeraj Nair,Adv.

                     Mr. K. R. Sasiprabhu,Adv.


            Hon'ble Mr. Justice M.Y. Eqbal pronounced the  judgment  of  the
Bench comprising His Lordship and Hon'ble Mr. Justice Arun Mishra.

            Leave granted.

            The  appeal  is  allowed  in  terms  of  the  signed  reportable
judgment.

 

   [INDU POKHRIYAL]                     [SUKHBIR PAUL KAUR]
     COURT MASTER                          A.R.-CUM-P.S.

            (Signed reportable judgment is placed on the file)