Dr. R. Pavithra v/s The Commissioner of Police 28 April 2023 # W.P. (Cri.) No.-6789 of 2021

Madras High Court

Constitution of India, 1949-Article 226-Banking Regulations Act, 1949-Section 35-A-Writ jurisdiction-

Online fraud via Paytm /Unauthorized transaction-Third party violation-Paytm has been granted with a license by the RBI to carry on payment bank business-The people use payment banks like Paytm, Google Pay, Amazon Pay, etc. they may still be impacted by third-party violations or fraudulent activity-Paytm was required to prove customer liability in cases of unauthorized electronic payment transactions-The RBI guidelines are customer-friendly, and if the customer happens to report fraudulent transactions within 3 days of the occurrence, as per RBI guidelines, there is ‘zero liability’ fixed on the customer-If the PPI issuer (Paytm etc.) is unable to resolve the complaint and determine the customer’s liability within 90 days, the amount as prescribed under RBI guidelines shall be paid to the customer irrespective of whether the negligence is on the part of the customer or otherwise.

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THE LIMITATION ACT, 1963 (PAPER 06 Q. NO. 201 TO 240)

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THE CONSTITUTION OF INDIA, 1949 (PAPER – 12 Q. NO. 386 TO 420)

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THE INDUSTRIAL DISPUTES ACT, 1947 (PAPER 01 Q. NO. 1 TO 15)

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THE CODE OF CRIMINAL PROCEDURE, 1973 (PAPER – 17 Q. NO. 641 TO 680)

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THE INDIAN CONTRACT ACT, 1872 (PAPER – 02 Q. NO. 36 TO 70)

THE HINDU MARRIAGE ACT, 1955 (PAPER NO.: 04 Q. 76 TO 100)

THE INDIAN EVIDENCE ACT, 1872 (PAPER – 17 Q. NO. 641 TO 680)

THE SPECIFIC RELIEF ACT, 1963 (PAPER – 03 Q. NO. 71 TO 105)

THE CODE OF CRIMINAL PROCEDURE, 1973 (PAPER – 09 Q. NO. 321 TO 360)

THE INDIAN CONTRACT ACT, 1872 (PAPER – 05 Q. NO. 141 TO 175)

THE CODE OF CIVIL PROCEDURE, 1908 (PAPER – 20 Q. NO. 761 TO 800)

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THE CODE OF CRIMINAL PROCEDURE, 1973 (PAPER – 02 Q. NO. 41 TO 80)

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THE CODE OF CRIMINAL PROCEDURE, 1973 (PAPER – 07 Q. NO. 241 TO 280)

THE INDIAN EVIDENCE ACT, 1872 (PAPER – 09 Q. NO. 321 TO 360)

THE MADHYA PRADESH ACCOMODATION CONTROL ACT, 1961 (PAPER 01 Q. NO. 1 TO 30)

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The Hindu Marriage Act, 1955 (Paper 01: Q. 1 to 25)

THE SPECIAL MARRIAGE ACT, 1954 (PAPER 01 Q. NO. 1 TO 10)

THE MADHYA PRADESH ACCOMODATION CONTROL ACT, 1961 (PAPER 02 Q. NO. 31 TO 49)

THE HIMACHAL PRADESH COURTS ACT, 1976 (PAPER 01 Q. NO. 1 TO 23)

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THE CODE OF CRIMINAL PROCEDURE, 1973 (PAPER – 18 Q. NO. 681 TO 720)