there were 5 sub accounts connected with main pool account in mumbai, money if from those account is not sufficient then bank took it from main pool account, all banks are same and they are axis bank
pool account attach to overdraft account , when money in pool account is over bank debit money from overdraft account which contains only FDRS and other bonds of the accused
this is usual practise bank followed for 2 years
when accused given cheques bank didnot took payment from pool account and dishonour of cheques and 138 got attracted
similarly also got 420 IPC
please provide some judgements on such things