Kerala HC Quashes Criminal Cases Against Bank Officials Accused Of Driving A Student To Suicide By Not Sanctioning Edu-Loan [Read Order]

After the bank rejected her applications seeking education loan, Sruthi committed suicide by consuming pesticide. The manager and deputy manager of the bank, who were accused of abetting her suicide, approached the High Court seeking to quash the criminal proceedings against them.

Justice R. Narayana Pisharadi, considering the contentions advanced in the case, observed that there is no direct nexus between the rejection of the applications for loan submitted by the deceased in the years 2010 and 2011 and on 16.03.2012 by the accused and the commission of suicide by the deceased after a long period. Referring to some apex court judgments, the bench said:

"Proximity of time between the alleged act of abetment by the accused and the act of the victim is absolutely necessary. If the victim has committed suicide long after the alleged act of abetment by the accused, it cannot be found that there is nexus between the act of the accused and the act of the victim. Duration of a long time between the act of the accused and the commission of suicide by the victim negatives an inference that it was under circumstances that the deceased had no option other than to end his/her life that he/she committed suicide."

One of the allegations against the accused is that, when the deceased had met him (a few days before she committed suicide) and told him that if the loan was not sanctioned, she had no option other than to die, he told her to go and commit suicide. The court, in this regard, said:

"It is to be noted that, even according to the prosecution case, it was when the deceased told the first petitioner that in case the loan was not sanctioned she would have no option other than to die that the first petitioner told her to go and do so. Even according to the prosecution case, the remark regarding death was initially made not by the first petitioner but by the deceased. The fact that the first petitioner had retorted to the deceased in such a manner in such a situation, in a fit of anger or emotion or at the spur of the moment, does not lead to an inference that he had instigated the deceased to commit suicide."

Quashing the criminal proceedings against them, the bench said:

"Suicide reflects a "species of fear". It is a sense of defeat that corrodes the inner soul and destroys the will power and forces one to abandon one's own responsibility. To think of self-annihilation because of something which is disagreeable or intolerable or unbearable has to be regarded as a non-valiant attitude that is scared of the immediate calamity or self perceived consequence"

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