Negotiable Instruments Act, 1881
81. Delivery of instrument on payment or indemnity in case
of loss
Any person liable to pay, and called upon by the holder thereof
to pay, the amount due on a promissory note, bill of exchange or cheque is
before payment entitled to have it shown, and is on payment entitled to have it
delivered up, to him, or, if the instrument is lost or cannot be produced, to
be indemnified against any further claim thereon against him.