law: 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.