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

Appeal (Civil), 14015 of 2015, Judgment Date: Dec 07, 2015

                                                               REPORTABLE


                       IN THE SUPREME COURT OF INDIA

                         CIVIL APPELLATE JURISDICTION

                        CIVIL APPEAL No.14015 OF 2015
                   (Arising out of SLP(C)No.9506 of 2014)



M/S ADANI AGRI FRESH LTD                                    .......APPELLANT



                                   VERSUS



MAHABOOB SHARIF & ORS                                      ......RESPONDENTS



                               J U D G M E N T


JAGDISH SINGH KHEHAR, J.


1.          Leave granted.
2           The appellant – M/s Adani Agri Fresh Ltd. (hereinafter  referred
to as `M/s AAFL')  is a supplier of fruit and vegetables. It entered into  a
contractual agreement with M/s RMS Fruits and Company (hereinafter  referred
to as `M/s RMSFC'), a wholesale dealer in fruits, whose  proprietor  is  one
Mahaboob Sharif (respondent No.1 herein).  For securing payment in  lieu  of
the products supplied by the appellant to respondent No.1 - M/s  RMSFC,  the
appellant required respondent No.1 to furnish bank guarantees,  whereby  the
appellant would be  entitled  to  recover  the  proceeds  of  the  products,
transported by it to  M/s  RMSFC.  Three  such  registered  bank  guarantees
constitute the basis of the controversy in hand. The  said  bank  guarantees
were executed by the State Bank of  Mysore  on  24.12.2010,  09.02.2011  and
10.02.2011. The terms of the bank guarantees being identical,  reference  to
one will be sufficient for all intents and  purposes.  Relevant  clauses  of
the first bank guarantee are being extracted hereunder:
      “NOW THE GUARANTOR HEREBY IRREVOCABLY AND UNCONDIOTIONALLY  GUARANTEES
as  follows,  irrespective  of  the  validity  and  legal  effects  of   the
agreement, if any entered between the parties  and  waiving  all  rights  of
objection and defense arising there from, that the Guarantor shall  pay  any
amount up to the maximum amount of guarantee mentioned  herein  below,  upon
the AAFL first demand to the AAFL in the event that the whole  seller  fails
to perform its understanding under any agreement  or  terms  and  conditions
contained in the consignment order and/or sale invoice, or by any reason  of
whole seller failure to make the  reimbursement  thereof  to  the  AAFL,  in
time.
1.    The Guarantee shall come into effect upon offer  of  delivery  by  the
transport agent of AAFL to whole seller at  the  invoiced  address,  to  the
whole seller account any consignment and/or sale order  after  the  date  of
execution of this guarantee deed.

2.     The  Guarantor  shall  immediately  pay  at  Gurgaon,  Haryana(India)
favouring M/s.Adani Agri Fresh Limited at the request of AAFL,  without  any
demur and without any recourse merely on demand  standing  that  the  amount
demanded is due and payable by the whole seller to AAFL.

3.    Notwithstanding any dispute  or  difference  at  any  time  subsisting
between  whole  seller  and  yourself  concerning  the  supply  of   product
mentioned above or otherwise, however and notwithstanding any suit or  other
proceedings that may  have  been  instituted  by  either  party,  a  sum  of
Rs.15,00,000/- or such lower sums or sums as may demand in  writing  if  the
said whole seller fails to pay to you the amounts due as  per  your  record.
We irrevocably agree that a certificate issued by AAFL that the said sum  or
any part thereof if payable to you shall be accepted by us as  a  conclusive
evidence and binding on us by such amount having become payable to  you  and
that immediately, such a certificate is furnished by you duly signed by  any
of your official of Senior Manager or above grade  payment  of  such  demand
shall be made to you by us.

4.    The guarantee shall not be impaired or discharged by any changes  that
may hereafter take place in your constitution  or  in  the  constitution  of
whole seller. This guarantees shall be in addition to and without  prejudice
to any other securities or remedies, which AAFL may now  have  or  hereafter
possess and you shall be under no obligation to marshal in  our  favour  any
such security or any funds or assets that you may be entitled.

5.    We, the guarantor hereby waive the necessity  of  the  AAFL  demanding
the said debt from the whole seller before presenting us with the demand.

6.    AAFL shall have the  fullest  liberty  under  the  guarantee  deed  to
extend, from time to time of the performance by the whole  seller  and  that
the guarantor also waives any right of notice etc., in this regard.

7.    Notwithstanding anything contained herein:

      a)    Our  liability  under  this  bank  guarantee  shall  not  exceed
Rs.15,00,000/- (Rupees Fifteen Lakhs only);

      b)    This bank guarantee shall be in full force until 23.12.2011.

c)    We are liable to pay the guaranteed amount or any part  thereof  under
this bank guarantee only and only if  the  AAFL  seves  upon  us  a  written
claim, either by way registered letter, courier, fax copy  of  delivered  by
hand by an authorized agent of the AAFL and make demand there  under  on  or
before 23.12.2011.

d)    We further undertake and  agree  that  this  guarantee  shall  not  be
revoked during its currency except with your previous consent in writing.

Signature and seal of the guarantor”

                                          (Emphasis is ours)

A perusal of the terms of the bank guarantee reveals, that the same  was  an
unconditional guarantee,  and  that,  the  guarantor  expressly  waived  off
rights of any objection and defence, irrespective of the disputed  positions
adopted by the contracting parties, or even, the validity and legal  effects
of the contractual agreement.  Under the bank guarantees,  the  appellant  –
M/s AAFL would first make a demand/claim for the payment in lieu  of  fruits
transported to respondent No.1,  and  in  case  respondent  No.1  failed  to
reimburse the consideration, the appellant had the right to  make  a  demand
from the guarantor, for the above payment. Actually the above  stated  claim
of  consideration  from  M/s  RMSFC  in  the  first   instance,   was   also
unnecessary, in view of paragraph 5 of the bank guarantee  extracted  above,
which clearly provides that it would not  be  necessary  for  M/s  AAFL  for
demanding  the  consideration  from  the  wholesaler  –  M/s  RMSFC,  before
presenting the  demand  to  the  guarantor  –  State  Bank  of  Mysore.  The
aforesaid demand in terms of the bank guarantee was to be made on the  basis
of a demand/claim at the hands  of  M/s  AAFL  indicating  the  despatch  of
goods, and the amount payable in lieu thereof. Thereupon, the guarantor  was
to make the payment of the amount claimed, immediately  without  any  demur,
and without any recourse.  On the receipt  of  such  a  certificate  of  the
outstanding amount(s), the bank guarantee(s) would stand invoked  forthwith,
notwithstanding any suit or proceedings, that may have  been  instituted  by
one or the other party, with reference to the contractual obligations.
3.          It is the case of the appellant, that the  appellant  issued  an
“Outstanding Certificate” seeking payment, on account of despatch  of  fruit
to M/s RMSFC. The outstanding debt indicated  therein  was,  for  a  sum  of
Rs.62,32,328/- (Rupees sixty two lakhs thirty  two  thousand  three  hundred
and twenty eight only).  Consequent upon  the  aforesaid  demand  being  not
honoured by respondent No.1, the bank guarantee was sought  to  be  invoked,
through the aforesaid “Outstanding Certificate” dated 31.05.2011,  which  is
being extracted hereunder:
                    “Outstanding Certificate

            This is to certify that M/s. R.M.S. Fruit & Co., Mysore has  the
outstanding debit balance of Rs.62,32,328/-  (Sixty  Two  Lakhs  Thirty  Two
Thousand Three Hundred Twenty Eight Only) in our  books  towards  supply  of
Fruit to them during last year.

Thanking you,
Yours truly,
For Adani Agrifresh Limited
            Sd/-
Authorized Signatory”

4.          In  order  to  wriggle  out  the  aforesaid  bank  guarantee(s),
respondent No.1 – M/s RMSFC, filed  O.S.No.991  of  2011  before  the  Civil
Judge (Junior Division), Mysore with inter alia the following prayer:
      “Wherefore the plaintiff humbly prays this Hon’ble  Court  be  pleased
to pass a judgment and decree in favour of the  plaintiff  and  against  the
defendants for permanent injunction, restraining  1st  and  2nd  defendant’s
bank for paying any schedule guarantee amount to the  3rd  defendant,  until
and unless the claim of plaintiff and 3rd defendant is settled  amicably  or
through court of law.  Or in the alternative restraining the  3rd  defendant
from receiving the said amount from the 1st and  2nd  defendant  bank  until
and unless the matter has been settled amicably  or  through  court  between
plaintiff and 3rd defendant with  court  cost  and  such  other  appropriate
reliefs as the Hon’ble Court deems fit to grant in the circumstances of  the
case in the interest of justice and equity.

                       SCHEDULE

            Guarantee amount available in State Bank of Mysore,  Shivarampet
Branch, Vinoba Road, Mysore guarantee no.3/10-11 date  of  issue  24.12.2010
and date  of  expiry  23.12.2011  and  extension  guarantee  No.04/2010-2011
(Original guarantee No.04/2009-10) and renewed  period  from  10.02.2011  to
09.02.2012 and another guarantee No.05/2010-11 and date of issue  09.02.2011
and date of expiry 08.12.2011.”

5.    The trial court passed the following interim order after  entertaining
the above-said suit, on 10.08.2011:
                                  “ORDER
      IA No.2 filed by the applicant/plaintiff under Order XXXIX Rule 1  and
2 r/w Section 151 of the CPC, is hereby allowed, conditionally.
      The defendants 1  and  2  banks  are  hereby  restrained  from  making
payment of schedule amount to the 3rd defendant till  the  disposal  of  the
suit either amicably or  judiciously  between  the  plaintiff  and  the  3rd
defendant subject to following conditions:
The  Plaintiff  shall  extend  the  Bank  guarantee  executed  through   the
defendants 1 and 2 in favour of the 3rd  defendant  for  every  six  months,
till disposal of the suit; after expiry of the period  under  the  Guarantee
No.5/10-11 from the period 10.2.2011 to 9.2.2012.

In case, the plaintiff fails in this suit, the  plaintiff  shall  compensate
the defendant No.3 by paying interest at the rate of 18% p.a. on  the  total
value of goods to the 3rd defendant from the date of suit till the  disposal
of the suit.

No order as to costs.”


6.          The aforesaid order  was  affirmed,  by  the  Additional  Senior
Civil Judge, Mysore, on a challenge raised thereto, on 13.09.2011. Even  the
High Court of Karnataka, where the appellant preferred W.P.No.4654 of  2012,
did not interfere with the interim order.  The  order  passed  by  the  High
Court on  16.12.2013,  dismissing  the  above-mentioned  writ  petition,  is
subject matter of challenge at  the  hands  of  the  appellant  before  this
Court.
7.          As a proposition of law, learned counsel for the  appellant  has
placed vehement reliance on a number of judgments of this  Court,  we  would
refer to only two of them, which would suffice the purpose. In this  behalf,
reference may first be made to  U.P.Cooperative Federation  Ltd.  vs.  Singh
Consultants and Engineers  (P)  Ltd.,  (1988)  1  SCC  174,  where-from  our
attention was invited to the following observations :
“27.   Our  attention   was  also  drawn  to  the judgment  of  the  learned
Single Judge of  the  Madras  High  Court  in     Arul  Murugan  Traders  v.
Rashtriya Chemicals and Fertilizers  Ltd.Bombay  and  another,  A.I.R.  1986
Madras 161 where the learned
Single      Judge  expressed  the   opinion  that  there  was   no  absolute
rule   prohibiting  grant  of      interim   injunction  relating  to   Bank
guarantees  and in exceptional case courts  would   interfere    with    the
machinery of irrevocable  obligations  assumed  by banks,    and  that   the
plaintiff must establish a prima  facie case, meaning thereby that there  is
a bona fide contention between the parties or serious question
to be tried, and further the balance of  convenience  was  also  a  relevant
factor. If  the element  of fraud  exists,   then courts step in to  prevent
one of the parties to the  contract  from  deriving   unjust  enrichment  by
invoking bank guarantee. In that case the learned Single Judge came  to  the
conclusion  that  the   suit  involved serious questions  to be   tried  and
particularly relating  to the  plea of  fraud,  which   was   a  significant
factor  to   be    taken  into   account  and  claim  for  interdicting  the
enforcement of  bank guarantee should have been allowed.

28.     I am,  however, of  the opinion  that  these  observations  must  be
strictly considered  in the  light of the principle enunciated.  It  is  not
the decision  that there should be a prima facie case. In order to  restrain
the operation  either of  irrevocable  letter  of  credit  or  of  confirmed
letter  of credit   or  of   bank   guarantee,   there  should  be   serious
dispute  and there  should be  good prima facie case  of fraud  and  special
 equities in     the form of preventing  irretrievable   injustice   between
the  parties. Otherwise the  very purpose  of bank   guarantees   would   be
negatived and  the fabric  of  trading operation  will  get jeopardised.

                 xxx              xxx             xxx

43.   The argument for the   respondent  is   attractive  but  it  seems  to
overlook the     basic nature  of the case. The basic  nature  of  the  case
relates to the obligations assumed by the bank under  the  guarantees  given
to UPCOF Ltd. If under law, the bank  cannot be  prevented  by   SCE(P)  Ltd
from honouring the  credit  guarantees,  the  UPCOF  Ltd.  also  cannot   be
restrained from invoking the guarantees.  What  applies  to  the  bank  must
equally  apply  to UPCOF Ltd. Therefore, the
frame of the suit by not impleading the bank cannot make any  difference  in
the position  of law.  Equally,  it   would   he  futile  to   contend  that
the court was justified in granting the injunction      since it  has  found
 a prima  facie case  in favour  of   the  SCE(P)   Ltd.  The   question  of
examining   the prima facie case or balance of convenience  does  not  arise
if the court cannot interfere with the unconditional commitment made by  the
bank in the guarantees in question.

                 xxx              xxx             xxx

54. The Court, however, should  not lightly  interfere  with  the  operation
of irrevocable  documentary  credit.   I   agree  with  my  learned  brother
that  in  order   to   restrain  the  operation  of the  irrevocable  letter
of credit, performance bond or guarantee, there should  be  serious  dispute
to be tried and there should be a  good prima  facie acts of fraud.  As  Sir
John Donaldson M.R. said  in Bolivinter  oil SA  v. Chase  Manhattan Bank  &
ors. [1984] 1 All E.R.351 at 352:
"The  wholly   exceptional  case    where  an  injunction  may   be  granted
is where it is proved that the  bank knows  that  any   demand  for  payment
already made or which may thereafter be made will  clearly  be   fraudulent.
But  the evidence  must be clear, both  as to  the fact of fraud and  as  to
the    bank's knowledge. It would certainly  not  normally  be    sufficient
that    this     rests  on  the   uncorroborated    statement    of      the
customer, for irreparable damage  can be done to  a  bank's  credit  in  the
relatively brief  time which must  elapse between the  granting of  such  an
injunction and an application by the bank to have it discharged."

55.    From the  above discussion, what appears to me  is  this:  The  sound
banking system  may,  however  require  more  caution  in  the  issuance  of
irrevocable   documentary   credits.   It    would
be for      the banks to safeguard themselves by other means  and  generally
not  for the     court to  come to  their rescue  with  injunctions   unless
there  is   established  fraud.  In    the  result,  this   appeal  must  be
allowed. The judgment and order of the Allahabad High Court  dated  February
20, 1987 must be set  aside   and  the   order  of   learned  Civil   Judge,
Lucknow dated August 8, 1986 restored.”

                                         (Emphasis is ours)


8.          Reliance was also placed on  Vinitec  Electronics  Private  Ltd.
vs. HCL Infosystems Ltd., (2008) 1 SCC 544. The following observations  have
been recorded in the above judgment:
      “11.  The law relating to invocation of  bank  guarantees  is  by  now
well settled by a catena of decisions of this  Court.  The  bank  guarantees
which provided  that  they  are  payable  by  the  guarantor  on  demand  is
considered to be an un-conditional bank guarantee. When  in  the  course  of
commercial dealings, unconditional guarantees have been  given  or  accepted
the beneficiary is entitled to realize
such  a  bank  guarantee  in  terms  thereof  irrespective  of  any  pending
disputes. In U.P. State Sugar Corporation   vs.  Sumac  International  Ltd.,
this Court observed that :

12.   The law relating to invocation of such bank guarantees is by now  well
settled.  When in the course of commercial dealings  an  unconditional  bank
guarantee is given or accepted, the beneficiary is entitled to realize  such
a bank guarantee in terms thereof irrespective  of  any  pending   disputes.
The bank giving such a
guarantee is bound to honour  it  as  per  its  terms  irrespective  of  any
dispute raised by its customer. The very  purpose  of  giving  such  a  bank
guarantee would otherwise be defeated.  The  courts  should,  therefore,  be
slow in granting an injunction to restrain the realization of  such  a  bank
guarantee.  The courts have carved out  only  two  exceptions.  A  fraud  in
connection with such
a  bank  guarantee  would  vitiate the very
foundation of such a bank guarantee.  Hence if there  is  such  a  fraud  of
which the beneficiary seeks to take advantage, he  can  be  restrained  from
doing  so.  The  second  exception  relates  to  cases  where  allowing  the
encashment of an unconditional bank guarantee would result in  irretrievable
harm or injustice to one of the parties concerned.  Since  in   most   cases
payment
of  money under such a bank guarantee would
adversely affect the bank and its customer at whose instance  the  guarantee
is given, the harm or injustice contemplated under  this  head  must  be  of
such an exceptional and irretrievable nature as would override the terms  of
the guarantee and the adverse effect of such  an  injunction  on  commercial
dealings in the country.  The two grounds  are  not  necessarily  connected,
though both may coexist in some cases.

12.   It  is  equally  well  settled  in  law  that  bank  guarantee  is  an
independent contract between bank and the beneficiary thereof. The  bank  is
always obliged to honour its guarantee as long as  it  is  an  unconditional
and irrevocable one. The dispute between the beneficiary and  the  party  at
whose instance the bank has given the guarantee  is  immaterial  and  of  no
consequence.  In BSES Limited  vs. Fenner India Ltd. this Court held :

10.  There are, however, two exceptions to this rule.   The  first  is  when
there is a clear fraud of which the Bank has notice  and  a   fraud  of  the
beneficiary from which it  seeks  to  benefit.  The  fraud  must  be  of  an
egregious nature as to  vitiate  the  entire  underlying  transaction.   The
second exception to the general rule of non-intervention is when  there  are
`special equities' in favour of  injunction,  such  as  when  `irretrievable
injury' or `irretrievable injustice' would occur if such an injunction  were
not granted. The general rule and its exceptions has been reiterated  in  so
many judgments of this Court, that in  U.P.  State  Sugar  Corpn.  V.  Sumac
International Ltd.(1997) 1 SCC 568 (hereinafter `U.P. State  Sugar   Corpn')
this Court,  correctly declare that the law was `settled'.


13.   In Himadri  Chemicals Industries Ltd. V.  Coal Tar  Refining  Company,
this court summarized the principles  for  grant  of  refusal  to  grant  of
injunction to restrain the enforcement of a bank guarantee or  a  letter  of
credit in the following manner :

“14...(i)   While dealing with an application for injunction in  the  course
of commercial dealings, and  when  an     unconditional  bank  guarantee  or
letter of credit is given  or  accepted,  the  Beneficiary  is  entitled  to
realize such a bank guarantee  or  a  letter  of  credit  in  terms  thereof
irrespective of any pending disputes relating to the terms of the contract.

(ii)  The bank giving such guarantee is bound to honour it as per its  terms
irrespective of any dispute raised by its customer.

(iii) The courts should be slow  in  granting  an  order  of  injunction  to
restrain the realization of a bank guarantee or a letter of credit.

(iv)  Since a bank guarantee or a letter of credit is an independent  and  a
separate contract and is absolute in nature, the existence  of  any  dispute
between the parties to the contract is not a ground for issuing an order  of
injunction to restrain enforcement of bank guarantees or letters of  credit.


(v)   Fraud of an egregious nature which would vitiate the  very  foundation
of such a bank guarantee or letter of credit and the  beneficiary  seeks  to
take advantage of the situation.

(vi)  Allowing encashment of an unconditional bank Guarantee or a Letter  of
Credit would result in  irretrievable  harm  or  injustice  to  one  of  the
parties concerned.

14.   In Mahatama Gandhi Sahakra Sakkare Karkhane vs. National  Heavy  Engg.
Coop. Ltd and anr., this Court observed :

  “If  the  bank guarantee furnished is an
unconditional and irrevocable one, it is not open to the bank to  raise  any
objection whatsoever to pay the amounts under the guarantee. The  person  in
whose favour  the  guarantee is furnished by the
bank cannot be  prevented  by  way  of  an  injunction  from  enforcing  the
guarantee  on  the  pretext  that  the  condition  for  enforcing  the  bank
guarantee in terms of the agreement entered into  between  the  parties  has
not been fulfilled.  Such a  course  is  impermissible.  The  seller  cannot
raise the dispute of  whatsoever  nature  and  prevent  the  purchaser  from
enforcing the bank guarantee by way of injunction except on  the  ground  of
fraud and irretrievable injury.

      What is relevant are the terms incorporated in the guarantee  executed
by the bank. On  careful  analysis  of  the  terms  and  conditions  of  the
guarantee in the present  case,  it  is  found  that  the  guarantee  is  an
unconditional one.  The respondent, therefore, cannot be  allowed  to  raise
any dispute and prevent the appellant from  encashing  the  bank  guarantee.
The mere fact that the bank guarantee  refers  to  the  principle  agreement
without referring to any specific clause in the  preamble  of  the  deed  of
guarantee does not make the guarantee  furnished  by  the bank to be a
conditional one.

xxx                    xxx                   xxx

24.   The next question that falls for our consideration is  as  to  whether
the present case falls under any of or both the exceptions, namely,  whether
there is a clear fraud of which the bank has notice   and  a  fraud  of  the
beneficiary from which it seeks to benefit  and  another  exception  whether
there are any “special equities” in favour  of granting injunction.

25.   This Court in more than one decision took  the  view  that  fraud,  if
any,  must  be  of  an  egregious  nature  as  to  vitiate  the   underlying
transaction.  We have meticulously examined the  pleadings  in  the  present
case in which no factual foundation is laid in support of the allegation  of
fraud.  There is not even a proper allegation of any fraud as such   and  in
fact the whole case of the appellant centers around   the   allegation  with
regard to the alleged
breach of contract by the respondent.  The plea of fraud in  the  appellants
own words is to the following effect:

“That despite the respondent, HCL being in default of not making payment  as
stipulated in the bank guarantee, in perpetration of abject  dishonesty  and
fraud,  the  respondent,  HCL  fraudulently  invoked  the   bank   guarantee
furnished by the applicant and sought  remittance  of  the  sums  under  the
conditional bank guarantee from the Oriental Bank of  Commerce  vide  letter
of invocation dated 16.12.2003.”

26.   In our considered opinion such vague and indefinite  allegations  made
do not satisfy the requirement in law constituting  any fraud much less  the
fraud of an egregious nature as to  vitiate  the  entire  transaction.   The
case,therefore does not fall within the first exception.

27.    Whether  encashment  of  the   bank   guarantee   would   cause   any
“irretrievable injury” or “irretrievable injustice”. There  is  no  plea  of
any special equities by the appellant in its favour. So far as the  plea  of
“irretrievable injustice” is concerned the appellant in its petition  merely
stated:

“That should the respondent be successful in implementing its  evil  design,
the same would not only amount to fraud, cause  irretrievable  injustice  to
the applicant, and render  the  arbitration  nugatory  and  infructuous  but
would permit the respondent to take an unfair advantage of their  own  wrong
at the cost and extreme prejudice of the applicant.”

                                     (Emphasis is ours)


9.           Based  on  the  judgments   rendered   by   this   Court   more
particularly, the judgments referred to hereinabove,  it  was  the  vehement
contention of the learned counsel for the  appellant,  that  the  terms  and
conditions of a “Deed of Guarantee” could not be injuncted from being  given
effect to, on the basis of  the  principle  adopted  in  determining  “prima
facie case”, “balance of convenience” and “irreparable loss”, which are  the
usual parameters on the basis whereof injunctions are  granted.  Insofar  as
the injunction of an unconditional  bank  guarantee  is  concerned,  it  was
submitted, that the same could be granted only if the  court  was  satisfied
about the commission of a flagrant fraud, at the hands of one or  the  other
contracting parties, or alternatively if the Court  was  satisfied  that  an
irreparable injury or some irretrievable injustice would be  caused  to  the
concerned party.
10.         Insofar as the present controversy is concerned, the defence  of
respondent No.1 is entirely  based  on  a  communication  dated  14.01.2011,
stated to have been addressed by  the  appellant  to  respondent  No.1.  The
aforesaid communication, which constitutes  the  basis  of  the  defence  of
respondent No.1, is extracted hereunder:
                                             “ADANI
                                             AGRIFRESH LIMITED
                                             14th January, 2011
To
Mr.Mahaboob Shariff,
M/s R.M.S.Fruits & Co.,
# 1875, Anesarui Street,
Behind Deveraja Market,
Mysore 50 001

Sub : Settlement of amount

Sir,
            We  inform  you  that,  our  settlement  talk  held  at  Mysore,
regarding destroyed and damage of 8(eight) Loads of Apples supplied to  you,
four firm agreed to receive 1/4th value of  total  value.   Hence,  you  are
directed to send the amount in installments as  agreed  after  we  supplying
Apple load as earlier.
Sincerely Yours,

      Sd/-
Authorised Signatory
      Seal”

In addition to the relying on the above  communication  (dated  14.01.2011),
it  was  the  vehement  contention  of  the  learned  counsel   representing
respondent No.1 that respondent No.1 – M/s RMSFC had tendered  and  enclosed
photographs depicting  rotten  and  damaged  apples,  which  were  allegedly
despatched by the appellant to respondent No.1.  It was  the  submission  of
the learned counsel for respondent No.1, that the veracity of the  aforesaid
photographs, was not disputed by the appellant, before the trial court.
11.         It  is  not  possible  for  us  to  determine  the  veracity  or
truthfulness of the defence raised by respondent No.1. The  aforesaid  shall
emerge only on the culmination of the proceedings  initiated  by  respondent
No.1 before  the  Civil  Court.   At  the  present  juncture,  we  are  only
concerned with the injunction of the  three  bank  guarantees,  referred  to
hereinabove, the invocation whereof was injuncted, not  only  by  the  trial
court, but also  by  the  appellate  court,  and  the  same  was  thereafter
maintained even by the High Court.
12.         During the course of hearing, learned counsel for the  appellant
candidly submitted, that the communication dated 14.01.2011 relied  upon  by
respondent No.1 in its defence,  is  a  fabricated  and  doctored  document,
which was never executed by the  appellant.  The  position  adopted  by  the
rival parties lead us to record the  following  conclusions.  Firstly,  that
the concerned bank guarantees, are clearly unconditional.  This is  apparent
from the extracts thereof, reproduced  above.  Secondly,  the  veracity  and
truthfulness of defence of  respondent  No.1  –  M/S  RMSFC,  based  on  the
communication  dated  14.01.2011,  cannot  be  opined  on  at  the   present
juncture, and will have to await the final outcome of the civil  suit  filed
by  M/s  RMSFC  at  Mysore.   Thirdly,  M/s  RMSFC  has  not  levelled   any
allegations of  the  commission  of  a  flagrant  fraud  by  M/s  AAFL,  for
engineering the invocation of the bank  guarantees  executed  by  the  State
Bank of Mysore.  Fourthly, no submissions have been advanced  on  behalf  of
M/s RMSFC to establish, that the invocation of  the  bank  guarantees  would
lead to an irreparable injury or some irretrievable injustice.  The  instant
eventuality is therefore ruled out.
13.         In deciding the present controversy, we will therefore  have  to
adopt the principles laid down by this Court in  U.P.Cooperative  Federation
Ltd. vs. Singh Consultants and Engineers (P) Ltd. (supra),  and  in  Vinitec
Electronics Private Ltd. vs. HCL Infosystems  Ltd.(supra). Having given  our
thoughtful consideration to the law laid down by this Court, in  respect  of
grant/refusal of an injunction  of  an  unconditional  bank  guarantee,  and
keeping  in  mind  the  terms  and  conditions,  more  particularly  of  the
contractual conditions extracted and narrated above, we are  satisfied  that
the courts below were not justified in  injuncting  the  invocation  of  the
three bank guarantees,  executed  by  the  State  Bank  of  Mysore,  at  the
instance of M/s RMSFC.  We accordingly hereby direct respondent Nos.2 and  3
– the State Bank of Mysore to honour the same forthwith.
14.         While accepting the claim raised by the appellant  as  has  been
recorded by us in our conclusions hereinabove, it is also imperative for  us
to record, that  we  had  required  the  learned  counsel  representing  the
appellant, to obtain instructions from the appellant,  whether  or  not  the
appellant was truthful in describing the communication dated  14.01.2011  as
fabricated and doctored.  In case, the  appellant  had  accepted  it  to  be
genuine, we would have permitted the bank guarantees to be invoked, for  the
reimbursement of 1/4th of the total value of the goods, in  consonance  with
the communication dated 14.01.2011. Having  obtained  instructions,  learned
counsel for the appellant states, that the express and  specific  stance  of
the appellant, that the communication dated 14.01.2011 (extracted above)  is
actually fabricated and doctored, and was never  sent  or  executed  by  the
appellant – M/s AAFL to respondent  No.1  –  M/s  RMSFC.   In  view  of  the
position adopted by the appellant on express instructions,  we  consider  it
just and appropriate to further record, that in case the statement  made  to
this Court on behalf of the appellant is not found to  be  correct,  on  the
culmination of the proceedings initiated by respondent  No.1,  it  shall  be
open to respondent  No.1  –  M/s  RMSFC   to  initiate  civil  and  criminal
proceedings against the appellant, as may be permissible in accordance  with
law.
15.         We are satisfied in granting liberty to respondent  No.1  -  M/s
RMSFC, to suitably amend the plaint, so as to mould the relief in  order  to
claim  whatsoever  is  due  to  respondent  No.1,  under   the   contractual
obligations with the appellant, in consonance with law.
16.         The appeal is disposed of in the above terms.

                                                 .........................J.
                                                      (JAGDISH SINGH KHEHAR)




                                                 .........................J.
                                                              (R. BANUMATHI)
NEW DELHI;
DECEMBER 2, 2015.