CRM-M-54580-2025 1 IN THE HIGH COURT OF PUNJAB AND HARYANA AT CHANDIGARH 106 CRM-M-54580-2025 Decided on: 26.09.2025 Sanjay Maurya …...Petitioner Versus State of Punjab …...Respondent CORAM: HON'BLE MR. JUSTICE SANJAY VASHISTH Present: Mr. Akhil Saini, Advocate for the petitioner. Mr. Neeraj Madaan, Sr. DAG, Punjab. Mr. Sunny Kumar Rajput, Advocate for the complainant. **** SANJAY VASHISTH, J. 1. Present petition has been filed under Section 482 of BNSS, seeking anticipatory bail in case FIR No. 94 dated 26.06.2025, under Sections 318(4), 61(2) of BNS, registered at Police Station Haibowal, District Ludhiana. 2. Allegations against the petitioner, Sanjay Maurya, are that he duped the illiterate complainant, Ram Suraj, both of whom belong to the same state, Uttar Pradesh. After explaining the need for a certain amount, Ram Suraj obtained a personal loan from Sanjay Maurya (the petitioner herein). However, fraud was allegedly committed by obtaining Ram Suraj’s signatures to open a bank account and subsequently purchasing two cars in the complainant’s name. Later on said vehicles were RASHMI 2025.09.26 18:41 I attest to the accuracy and integrity of this document CRM-M-54580-2025 2 mortgaged to another accused namely, Rohit Kumar, who resides in Amrtisar. A preliminary investigation was conducted at the instance of the Additional Deputy Commissioner of Police, Zone-3 Ludhiana, which reads as follows: “........That after completing investigation and declared preliminary investigation conducted so far and the statements written by both the parties and the documents submitted by both the parties have been read, it has been found that in the month of October 2023, the wife of the applicant Ram Suraj, Dropati, had become paralyzed, who was in need of money. Then the applicant came to know that a person named Sanjay Maurya gets a personal loan, who talked to Sanjay Maurya about taking a personal loan and gave his proof to Sanjay Maurya. Then after three-four days, Sanjay Maurya called Ram Suraj at SBI Bank Branch Vishkarma Chowk Ludhiana and got Ram Suraj to sign the loan file and said that the bank will approve the loan in four to five days. Your loan of about Rs 7/8 lakh will be approved. Then after about a month, the applicant came to know that the installment of a car of Rs 16,123/- has been  deducted from his bank account. Regarding which the applicant Ram Suraj talked to Sanjay Maurya, Sanjay Maurya said that I have bought a Venue car on your name, its installment has been deducted, then the applicant told Sanjay Maurya that I do not need a car, then Sanjay Maurya started telling the applicant that I will get this loan closed and give you a new loan of Rs 7/8 lakh. Then after about a month, Sanjay Maurya took the applicant to Toyota Agency, Ferozepur RASHMI 2025.09.26 18:41 I attest to the accuracy and integrity of this document CRM-M-54580-2025 3 Road, Mullapur, Ludhiana and started saying that loan of your Venue car will be closed, you sign this file, the applicant again trusted Sanjay Maurya and signed the file in the agency on his advice, Then after a few days, another new installment of Rs. 34,500/- started, which got bounce due to lack of money in the applicant's bank account. Then the applicant received a call from Toyota Financial Services India Limited IJM Ferozepur Road Mullanpur that the installment of your vehicle has been bounced. You should deposit the installment of the vehicle, then the applicant came to know that another vehicle has been financed on his name.” 3. In the light of the allegations and the preliminary investigation conducted at the instance of the Additional Deputy Commissioner, petitioner-Sanjay Maurya, is not entitled to any concession of anticipatory bail. The seriousness of the charges and the evidence collected so far indicate that the petitioner’s release at this stage would be premature and contrary to the interests of justice. Accordingly, the present petition is dismissed. (SANJAY VASHISTH) JUDGE 26.09.2025 Rashmi Whether Speaking/Reasoned: YES/NO Whether Reportable: YES/NO RASHMI 2025.09.26 18:41 I attest to the accuracy and integrity of this document