Bare Act: Bankers Books Evidence Act, 1891

•                                                                                                                                           Bankers Books Evidence Act, 1891

  Preamble: An Act to amend the Law of Evidence with respect to Bankers Books

  WHEREAS it is expedient to amend the Law of Evidence with respect to Bankers Books;

  It is hereby enacted as follows:--

  Section-1. Title and extent: (1) This Act may be called the Bankers Books Evidence Act, 1891.

  (2) It extends to the whole of India except the State of Jammu and Kashmir.

  Section-2. Definitions: In this Act, unless there is something repugnant in the subject or context,--

  (1) "company" means any company as defined in section 3 of the Companies Act, 1956 (1 of 1956), and includes a foreign company within the meaning of section 591 of that Act;

  (1A) "corporation" means any body corporate established by any law for the time being in force in India and includes the Reserve Bank of India, the State Bank of India and any subsidiary bank as defined in the State Bank of India (Subsidiary Banks) Act, 1959 (38 of 1959);

  (2) "bank" and "banker" mean--

  (a)any company or corporation carrying on the business of banking,

  (b) any partnership or individual to whose books the provisions of this Act shall have been extended as hereinafter provided.

  (c) any post office savings bank or money order office:

  (3) "bankers books" include ledgers, day-books, cash-books, account-books and all other records used in the ordinary business of the bank, whether these records are kept in written form or stored in a micro film, magnetic tape or in any other form of m chanical or electronic data retrieval mechanism, either onsite or at any offsite location including a back-up or disaster recovery site of both;:

  (4) "legal proceeding" means,--

  (i) any proceeding or inquiry in which evidence is or may be given;

  (ii) an arbitration; and

  (iii)any investigation or inquiry under the Code of Criminal Procedure, 1973, or under any other law for the time being in force for the collection of evidence, conducted by a police officer or by any other person (not being a magistrate) authorised in this behalf by a magistrate or by any law for the time being in force;

  (5) "the Court" means the person or persons before whom legal proceeding is held or taken:

  (6) "Judge" means a Judge of a High Court:

  (7) "trial" means by hearing before the Court at which evidence is taken: and

  (8) "Certified copy" means when the books of a bank, -

  (a) Are maintained in written form, a copy of any entry in such books together with a certificate written at the foot of such copy that it is a true copy of such entry, that such entry is contained in one of the ordinary books of the bank and was made in the usual and ordinary course of business and that such book is still in the custody of the bank, and where the copy was obtained by a mechanical or other process which in itself ensured the accuracy of the copy, a further certificate to that effect, but where the book from which such copy was prepared has been destroyed in the usual course of the bank's business after the date on which the copy had been so prepared, a further certificate to that effect, each such certificate being dated and subscribed by the principal accountant or manager of the bank with his name and official title; and

  (b) Consist of printouts of data stored in a floppy, disc, tape or any other electromagnetic data storage device, a printout of such entry or a copy of such printout together with such statements certified in accordance with the provisions of section 2A.

  (c) a printout of any entry in the books of a bank stored in a micro film, magnetic tape or in any other form of mechanical or electronic data retrieval mechanism obtained by a mechanical or other process which in itself ensures the accuracy of such printout as a copy of such entry and such printout contains the certificate in accordance with the provisions of section 2A.

  Section-3. Power to extend provisions of Act: The State Government may, from time to time, by notification in the Official Gazette, extend the provisions of this Act to the books of any partnership or individual carrying on the business of bankers within the territories under its administration, and keeping a set of not less than three ordinary account-books, namely, a cash-book, a day-book or journal, and a ledger, and may in like manner rescind any such notification.

  Section-4. Mode of proof of entries in bankers books: Subject to the provisions of this Act, a certified copy of any entry in a bankers book shall in all legal proceedings be received as prima facie evidence of the existence of such entry, and shall be admitted as evidence of the matters, transactions and accounts therein recorded in every case where, and to the same extent as, the original entry itself is now by law admissible, but not further or otherwise.

  Section-5. Case in which officer of bank not compellable to produce books: No officer of a bank shall in any legal proceeding to which the bank is not a party be compellable to produce any bankers book the contents of which can be proved under this Act, or to appear as a witness to prove the matters, transactions and accounts therein recorded, unless by order of the Court or a Judge made for special cause.

  Section-6. Inspection of books by order of Court or Judge: (1) On the application of any party to a legal proceeding the Court or a Judge may order that such party be at liberty to inspect and take copies of any entries in a bankers book for any of the purposes of such proceeding, or may order the bank to prepare and produce, within a time to be specified in the order, certified copies of all such entries, accompanied by a further certificate that no other entries are to be found in the books of the bank relevant to the matters in issue in such proceeding, and such further certificate shall be dated and subscribed in manner hereinbefore directed in reference to certified copies.

  (2) An order under this or the preceding section may be made either with or without summoning the bank, and shall be served on the bank three clear days (exclusive of bank holidays) before the same is to be obeyed, unless the Court or Judge shall otherwise direct.

  (3) The bank may at any time before the time limited for obedience to any such order as aforesaid either offer to produce their books at the trial or give notice of their intention to show cause against such order, and thereupon the same shall not be enforced without further order.

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