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since 1985 practicing as advocate in both civil & criminal laws. This blog is only for information but not for legal opinions

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Wednesday, August 19, 2026

Marine Cargo Annual Turnover Policy Insurance cover extended to ₹1200 crores turnover; fire incident occurred when turnover had already exceeded insured limit; insurer repudiated claim. (Paras 3–5) Section 64VB Insurance Act – Premium payment Statutory embargo: insurer cannot assume risk unless premium received in advance; post‑facto payment cannot regularise coverage. (Paras 9–11)

 Supreme Court of India ruling in The New India Assurance Co. Ltd. v. Louis Dreyfus Commodities India Pvt. Ltd. (2026 INSC 876, decided 18 August 2026):

Headnotes 

  1. Marine Cargo Annual Turnover Policy Insurance cover extended to ₹1200 crores turnover; fire incident occurred when turnover had already exceeded insured limit; insurer repudiated claim. (Paras 3–5)

  2. Section 64VB Insurance Act – Premium payment Statutory embargo: insurer cannot assume risk unless premium received in advance; post‑facto payment cannot regularise coverage. (Paras 9–11)

  3. NCDRC ruling – Liability imposed NCDRC directed insurer to pay assessed damages, relying on email assurance that coverage continued despite turnover exceeding insured amount. (Paras 6–7)

  4. Supreme Court – Section 64VB mandatory Court held Section 64VB attracted; turnover exceeded coverage by July 2010; additional premium paid only on 17.12.2010, after incident; insurer not liable. (Paras 11–12)

  5. Agent’s authority – Limits Divisional Manager’s assurance email lacked authority; agent cannot enlarge risk or waive statutory precondition; apparent authority doctrine inapplicable. (Paras 12, Kotiswar Singh concurring paras 2–6)

  6. Estoppel – Not against statute Acceptance of premium after incident does not estop insurer; estoppel cannot override statutory mandate of Section 64VB. (Paras 13)

  7. Principal–agent relationship – Contract Act Court analysed Sections 182, 186–188, 226, 237 of Contract Act; agent’s authority confined to acts necessary and usual; cannot create new risk without principal’s manifestation. (Kotiswar Singh, paras 2–6)

  8. Appeals allowed – Claim repudiation upheld Supreme Court set aside NCDRC order; insurer not liable for fire loss; appeals allowed. (Paras 14)

This judgment is significant because it reaffirmed the strict statutory bar under Section 64VB of the Insurance Act, holding that risk cannot be assumed without advance premium, and clarified that agents cannot bind insurers beyond their authority or waive statutory requirements.

Section 354(5) CrPC – Challenge Public Interest Litigation under Article 32 challenged constitutional validity of Section 354(5) CrPC / Section 393(5) BNSS prescribing hanging as sole method of execution. (Paras 1–2) Death penalty jurisprudence – Settled law Constitutionality of death penalty upheld in Jagmohan Singh v. State of U.P. (1973) and Bachan Singh v. State of Punjab (1980); “rarest of rare” doctrine governs imposition. (Paras 6)

  Supreme Court of India ruling in Rishi Malhotra v. Union of India (2026 INSC 873, decided 18 August 2026):

Headnotes 

  1. Section 354(5) CrPC – Challenge Public Interest Litigation under Article 32 challenged constitutional validity of Section 354(5) CrPC / Section 393(5) BNSS prescribing hanging as sole method of execution. (Paras 1–2)

  2. Death penalty jurisprudence – Settled law Constitutionality of death penalty upheld in Jagmohan Singh v. State of U.P. (1973) and Bachan Singh v. State of Punjab (1980); “rarest of rare” doctrine governs imposition. (Paras 6)

  3. Mode of execution – Subject to Article 21 While death penalty itself is constitutional, method of execution must conform to Article 21 — just, fair, reasonable, and consistent with dignity. (Paras 7, 21)

  4. Historical background – Hanging retained Hanging introduced in colonial CrPC (1861), retained in Codes of 1882, 1898, CrPC 1973, and BNSS 2023; unchanged across 150 years. (Paras 10–12)

  5. Law Commission Reports – Concerns noted 35th Report (1967) and 187th Report (2003) acknowledged hanging causes intense suffering; recommended exploration of humane alternatives like lethal injection. (Paras 16, 19)

  6. Deena v. Union of India – Precedent Three‑Judge Bench upheld hanging as constitutional in Deena (1983), relying on government submissions; stood as binding precedent for four decades. (Para 17)

  7. Petitioner’s submissions – Inhumanity of hanging Argued hanging is barbaric, causes intense pain, margin of error leads to strangulation or decapitation; violates Article 21 dignity and Article 14 equality. (Paras 26–31)

  8. Project 39A submissions – Scientific evidence Cited medical studies and exhumation reports showing hanging often causes asphyxiation, trauma, humiliation; not quick or painless; violates dignity. (Paras 33–35)

  9. International norms – ECOSOC safeguards UN ECOSOC Safeguard No. 9 requires minimum suffering in executions; hanging inconsistent with global standards. (Para 29)

  10. Alternative methods – Lethal injection debate Law Commission 2003 recommended lethal injection; submissions highlighted risks of botched executions in US; urged scrutiny before adoption. (Paras 36–37)

  11. Union of India – Separation of powers Attorney General opposed petition; argued prescribing method of execution is legislative function; Court cannot direct Parliament to adopt alternatives. (Para 38)

This case is pivotal because it reopened constitutional scrutiny of hanging as the sole method of execution in India, situating the debate within Article 21’s guarantee of dignity and evolving human rights standards, while leaving the larger question of alternatives to legislative determination.

Delay and laches – Fatal to challenge Petition filed four months after bid publication; by then tenders had reached technical/financial evaluation stage; held barred by delay and laches. (Paras 22–25)

the Supreme Court of India ruling in M/s Utkarsh Enterprises & Ors. v. Union of India and M/s Philips International v. Union of India (2026 INSC 881, decided 18 August 2026):

Headnotes 

  1. Tender conditions – Judicial review Challenge to eligibility clauses in Directorate of Education tenders for sports and gym equipment; Court reiterated that judicial interference in tender conditions is limited, especially when process has advanced. (Paras 19–20, 24)

  2. Delay and laches – Fatal to challenge Petition filed four months after bid publication; by then tenders had reached technical/financial evaluation stage; held barred by delay and laches. (Paras 22–25)

  3. Non‑participation – Maintainability Appellants who did not participate in six sports equipment tenders lacked locus to challenge; only one appellant had participated unsuccessfully in gym tender. (Paras 5–8, 26)

  4. Clause 2.17 – Delhi office/warehouse requirement Requirement of fully functional office and warehouse in Delhi/NCR for three years challenged as exclusionary; Court held issue left open for appropriate case, distinguished from Vinishma Technologies (2025). (Paras 12, 28–34)

  5. MSE relaxations – Discretionary Relaxations for Micro and Small Enterprises regarding turnover/experience are discretionary; insistence on earnest money deposit permissible under General Terms & Conditions. (Paras 11, 16–17)

  6. Physical sample submission – Justified Requirement of physical samples for technical evaluation upheld; necessary to ensure safety, durability, and suitability of equipment for school children. (Paras 6–7, 18)

  7. Public interest – Procurement for schools Court emphasized larger public interest in timely procurement of sports and gym equipment for 16 lakh school students; litigation had stalled supply worth ₹34 crores. (Paras 19, 27)

  8. Appeals dismissed – Questions left open Supreme Court dismissed appeals; upheld Delhi High Court judgment; validity of Clause 2.17 left open for future adjudication. (Paras 35–37)

This ruling is significant because it reaffirmed the principle that courts will not rewrite tender conditions or intervene belatedly in procurement processes, while also clarifying that operational requirements like local offices may be scrutinized in future cases.

Inconsistent reasoning – Trial Court Trial Court convicted some and acquitted others despite similar roles assigned; High Court failed to explain why acquittal reasoning not applied to convicts. (Para 10)

 Supreme Court of India ruling in Nepal Singh v. State of Madhya Pradesh (2026 INSC 869, decided 17 August 2026):

Headnotes 

  1. Unlawful assembly – Common object Accused charged under Sections 147, 148, 149 IPC for forming unlawful assembly and assaulting complainant party; death of Gaflu resulted. (Paras 1–2)

  2. Conviction and acquittal – Same evidence Trial Court convicted five accused including appellant under Sections 148, 324/149, 302/149 IPC, while acquitting five others on same set of depositions; High Court upheld conviction. (Paras 2–3, 10)

  3. Eyewitness testimony – Contradictions PW‑6 (injured witness) and PW‑7 (wife of deceased) contradicted themselves in cross‑examination; admissions showed embellishments, inconsistencies, and lack of credibility. (Paras 6–8)

  4. Recovery of weapons – Insufficient linkage Recovery of lathi, farsa, ballam etc. not sufficient to connect accused; such articles commonly found in rural households. (Para 9)

  5. Land dispute – False implication possibility Evidence showed prior quarrels and land dispute between parties; possibility of false implication of accused cannot be ruled out. (Paras 7, 9)

  6. Inconsistent reasoning – Trial Court Trial Court convicted some and acquitted others despite similar roles assigned; High Court failed to explain why acquittal reasoning not applied to convicts. (Para 10)

  7. Conviction set aside – Acquittal ordered Supreme Court held testimonies unreliable; conviction of appellant Nepal Singh set aside; accused directed to be released. (Para 11)

This ruling is notable because it underscores that contradictory and embellished eyewitness testimony cannot form the sole basis for conviction, especially when co‑accused are acquitted on identical evidence, and highlights the Court’s insistence on consistency and credibility in criminal adjudication.

Suppression of criminal antecedents – Discharge valid Constables in RPF/RPSF discharged for deliberate non‑disclosure of pending criminal cases in attestation forms; suppression amounted to suppressio veri and justified termination. (Paras 4–5, 20–22)

  Supreme Court of India ruling in Bappa Barai v. Union of India & Ors. (2026 INSC 882, decided 18 August 2026):

Headnotes 

  1. Suppression of criminal antecedents – Discharge valid Constables in RPF/RPSF discharged for deliberate non‑disclosure of pending criminal cases in attestation forms; suppression amounted to suppressio veri and justified termination. (Paras 4–5, 20–22)

  2. RPF Rules – Verification and discharge Rules 52 and 67 of RPF Rules, 1987 mandate verification of antecedents before appointment; candidate liable to discharge if found unsuitable or guilty of suppression. (Paras 15–18)

  3. Employment Notice and Attestation Form – Warning Clause 9(f) of Employment Notice and Attestation Form explicitly warned that false declaration or suppression would lead to disqualification, dismissal, or criminal case. (Paras 16–17)

  4. Avtar Singh principles – Applicability Court applied Avtar Singh v. Union of India (2016) 8 SCC 471; deliberate suppression of multiple pending cases falls under para 38.7, warranting cancellation of candidature. (Paras 19–21)

  5. Natural justice – Compliance Initial discharge orders (2015) set aside; reconsideration directed; fresh detailed orders passed in 2017 with reasons; principles of natural justice satisfied. (Para 23)

  6. Parity claim – Rejected Appellants cannot claim parity with reinstated candidates; those reinstated were either acquitted before filling attestation form or reinstated under High Court directions on trivial allegations. (Paras 26–28)

  7. Distinction from Pawan Kumar and Satpal Singh Pawan Kumar (2023) inapplicable as acquittal preceded attestation; Satpal Singh (2026 INSC 798) concerned long‑serving SPO discharged after 12 years; facts distinguishable. (Paras 24–25)

  8. Appeals dismissed Supreme Court upheld concurrent findings of Single Judge and Division Bench; discharge orders valid; civil appeals dismissed. (Paras 29–30)

This ruling is significant because it reaffirmed the strict requirement of truthful disclosure of criminal antecedents in recruitment to disciplined forces like RPF/RPSF, and clarified that suppression itself is sufficient ground for discharge, even if acquittals occur later.