Pl refer S.20 of NI Act, following can be culled out:
1. No mention of Cheque.
2. Mention of maximum amount which can be calculated based on stamp affixed.
3. Cheque has been taken off from the list of Stamped Instrument, cheque is not a stamped instrument, S.20 is for stamped instruments only.
4. A blank cheque leaf is no cheque, above order of Kerala High Court says that if there are different hadn writings then it cannot be said that it is invalid cheque (true), but then accused can prove that it was blank and filled up without his consent, in that case S.20 will not help the complainant.
5. Madras High Court has clearly ruled that S.20 is not applicable on cheques, but many a times it may be difficlut for accused to positively prove that it was blank at the time of delivery and filled up without his consent.
The point is trial courts give too much importance to dishonored cheque and S.139, which is not legally right.