Chhattisgarh High Court

Bail denied to bank-approved valuer for active participation in fraudulent gold loan conspiracy.

RAJKUMAR DEOKAR vs STATE OF CHHATTISGARH

Chhattisgarh High CourtJUDGMENT: April 09, 20262 MIN READSOURCE JUDGMENT
THE ORIGINAL LAWLENS SUMMARY
01

Facts

The applicant, a bank-approved gold valuer, filed his first bail application under Section 483 of the Bharatiya Nagarik Suraksha Sanhita (BNSS)

Source reference: p. 1, para 1

The prosecution alleges that co-accused Rajesh Lunia obtained a gold loan of ₹48,09,984 from ICICI Bank, Rajnandgaon, by pledging 1404.45 grams of gold ornaments

Source reference: p. 1–2, para 2

The applicant was appointed by the bank to verify the gold's authenticity and certified the ornaments as genuine

Source reference: p. 2, para 2

Subsequent verification at a different branch revealed that the gold ornaments were fake, causing a substantial financial loss to the bank

Source reference: p. 2, para 2

The applicant was arrested on 18.01.2026 for offences punishable under Sections 420 and 120(B) of the Indian Penal Code (IPC)

Source reference: p. 1, para 1; p. 3, para 3
02

Issues

1. Whether the applicant is entitled to the grant of regular bail under Section 483 of the BNSS, considering the allegations of criminal conspiracy and the nature of his professional role as a valuer

Source reference: p. 3, para 6
03

Law Applied

Section 420 of the IPC regarding cheating and Section 120(B) of the IPC regarding criminal conspiracy

Source reference: p. 1, para 1

Section 483 of the Bharatiya Nagarik Suraksha Sanhita, 2023 (BNSS), which governs the power of the High Court to grant bail

Source reference: p. 1, para 1

The gravity of economic offences and the impact of fraudulent certified valuations in banking transactions

Source reference: p. 3, para 6
04

Reasoning

The applicant contended that he had no prior acquaintance with the co-accused, that his appointment for the specific valuation was a coincidence, and that discrepancies in the weight of the seized ornaments suggested tampering while in bank custody

Source reference: p. 2–3, para 3

The Court observed that as a bank-approved valuer, the applicant played an active and critical role in the "well-planned conspiracy" by certifying fake gold as genuine

Source reference: p. 3, para 6

The Court emphasized the "prima facie involvement" of the applicant in facilitating the fraudulent disbursement of ₹48,09,984

Source reference: p. 3, para 6

It found that the serious nature of the allegations, the potential for tampering with evidence, and the applicant’s professional responsibility outweighed his arguments regarding a clean antecedent and the delay in filing the FIR

Source reference: p. 3, para 4–6
05

Holding

The Court rejected the bail application, holding that the applicant was not entitled to the benefit of bail given the gravity of the offence and his active role as a facilitator in the fraud

The Court granted the trial court liberty to proceed and conclude the trial expeditiously

Source reference: p. 4, para 8
Chhattisgarh High Court

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RAJKUMAR DEOKARvsSTATE OF CHHATTISGARH

Chhattisgarh High Court · April 09, 2026

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