Act to have overriding effect
Section 32 of the Payment and Settlement Systems Act, 2007 deals with act to have overriding effect. The provisions of this Act shall have effect notwithstanding anything inconsistent therewith contained in any other law for the time being in force. The Act came into force on 12 Aug 2008.
The provisions of this Act shall have effect notwithstanding anything inconsistent therewith contained in any other law for the time being in force.
Section 32, The Payment and Settlement Systems Act, 2007 (Act 51 of 2007).
Related judgements & precedents
These are some judgments that construed this section, and hold precedence value. They hold authority on how to read, interpret and use this section.
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PhonePe Private Limited v. State of Karnataka
Court's Decision & Legal Precedent
PSS Act confidentiality (ss.15/20/22) and Bankers' Books Evidence Act do not confer absolute immunity from CrPC s.91 summons by a statutory investigating officer; disclosure exceptions apply to police investigating cyber-fraud. DATE VERIFIED Final Order 2025-04-29 (order-1.pdf).
On this section: Court expressly addresses petitioner's s.32 overriding-effect argument and holds that s.32 does not oust the Act's own disclosure exceptions or CrPC investigatory summons — locking the teaching content of s.32 (Act to have overriding effect) in the LE-disclosure setting.
The holding above is the ratio decidendi as extracted from the judgment by eCourts India, reproduced unaltered — it is a rendering of the court's reasoning, not a substitute for its words. Read the order itself before relying on it.
Questions about Section 32
What have the courts held on Section 32 of the Payment and Settlement Systems Act?
PhonePe Private Limited v. State of Karnataka (29 Apr 2025) is the leading judgment on this section among those set out below: Court expressly addresses petitioner's s.32 overriding-effect argument and holds that s.32 does not oust the Act's own disclosure exceptions or CrPC investigatory summons — locking the teaching content of s.32 (Act to have overriding effect) in the LE-disclosure setting.
How do I find court cases under Section 32 of the Payment and Settlement Systems Act?
In judgments and charge sheets this section is written several ways, and each form finds a different set of orders. These search the full text of every order eCourtsIndia holds, best matches first: Payment and Settlement Systems Act 32, section 32 Payment and Settlement Systems Act, section 32 of the Payment and Settlement Systems Act. Each opens the full list of orders on eCourtsIndia, where it can be narrowed by court, year and outcome. 1 reported judgment on this section is set out on this page, beginning with PhonePe Private Limited v. State of Karnataka (29 Apr 2025).
When did Section 32 of the Payment and Settlement Systems Act come into force?
Section 32 of the Payment and Settlement Systems Act, cited as Payment and Settlement Systems Act 32, came into force on 12 Aug 2008, having been enacted on 20 Dec 2007. It is in force as at the date shown on this page.
Other sections of this Act
Source and method. Compiled from the enactments of Parliament and of the State legislatures as published on India Code, and republished together with commentary and other original matter under section 52(1)(q)(ii) of the Copyright Act, 1957. Structured, cross-referenced and maintained by eCourtsIndia. Text as in force on 19 Oct 2026. This page is not a substitute for legal advice.