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    <description>A complaint under Section 138 of the Negotiable Instruments Act cannot be instituted before expiry of the 15-day period after service of the statutory notice, because the drawer must first be given the opportunity to make payment and avoid prosecution. The cause of action arises only on non-payment after that period, so proceedings filed earlier are premature and the legislative window is curtailed. On the facts described, filing on the 12th day after service of notice was before accrual of cause of action, and the challenge to dismissal therefore failed.</description>
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      <description>A complaint under Section 138 of the Negotiable Instruments Act cannot be instituted before expiry of the 15-day period after service of the statutory notice, because the drawer must first be given the opportunity to make payment and avoid prosecution. The cause of action arises only on non-payment after that period, so proceedings filed earlier are premature and the legislative window is curtailed. On the facts described, filing on the 12th day after service of notice was before accrual of cause of action, and the challenge to dismissal therefore failed.</description>
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