Negotiable Instruments Act, 1881 — section 131

131. Non-liability of banker receiving payment of cheque. 2[Subject to the provisions of this Act relating to cheques crossed “account payee” , where a banker in good faith and without negligence receives payment for a customer of a cheque crossed generally or specially to himself, and the customer has no title or a defective title thereto, the banker shall not, incur any liability to the true owner of the cheque by reason only of having received such payment.] 3 [Explanation.__ A banker receives payment of a crossed cheque for a customer within the meaning of this section notwithstanding that he credits his customer’s account with the amount of the cheque before receiving payment thereof.] 4