JUDGMENT 1. When the debtor makes a payment to his creditor on a bond or promissory note without specifying whether he makes it about principal or on account of interest and when the creditor also makes no appropriation at the time of the payment, the payment in order to be available u/s 20 of the Indian Limitation Act to the creditor as payment on account of principal must be made within the time for filing a suit and further the creditor must be proved to have, in the exercise of his right of appropriation, done something-which treats the payment as made on account of principal.