Vijay Kumar Vaswani v. Hdfc Bank

DRT25 May 2023SA/356/2023

A compact analysis

This page shows the compact analysis of this judgement. The full analysis — procedural history, issue-by-issue holdings with ratio and obiter, advocates, and paragraph-level evidence for every claim — is being added to the record in batches and will appear here when this judgement has been through it.

CONTD. ORDER.SHEET

PAGE ilo

CASE No

DATE	DESCRIPTIONOFTHE ORDER 9fl.9.^356,/2018	REIUIARK
25.05. 23	sTrf{6ceTdftqfrsrfuEt-fl srfus-ffrt strc-qrfrceTo1sirtotgscRrd c-€lr 1. q-6qqrgoo-Gngsfuo<o\qqr frrn^qritg{dorrtrfidsrprrqonioRr onA-fiwenicoceToi gtr 'r+BI 2. q-o'{uToT0ffiil6-{fu-qrrrqrt 3. sTriq-6eETFmftiroro.oa.zoraqi gserkoqurdsqerqnr1731urS;Svre zoozdcrqETrddfid.fd^q-6q?DwToTrfu[s q++,frtrq+tr,ffi q++,d-oHTrufr+-c o)srqrkrfu-q^qrtdHreTorq{fumr s-srffisqcTcrErncrftdentsrftqmrz. 02.2016,ffi o-rffift{15zz.o+.zoraoi erqrwft;i^qriofw6r{rdrfuu-qofu-qr^rrqr Br 4. qerrlEsqrq-s'{urG[qDqrfuo*ts f{aqeTqrfrt}^qritggnroeffifie-gd fu-qr.rflB,fuso-rernmtfus-m-t-qrft d-fi ERI^{fumr qrqrerqq-d-d5i}t^crwM^ft-{ro 30.0e.2011dftq	-{{tg^3tTilfielfuodi^qt on'{s-ficmt{ffi q++fuiro23.03.201a, g?F'RFIft{;o2+.os.zotao)skifud^qrqroqi one\fudfuqr,Eiluntcrfu{i-o.zt.ot.zo'tad ariTF-{K^{orfrqrrr+r,fo-5snileoqad} orfuq-ffir^gMq6dercftdr6^oa.oa.zotao) sTriq-o.^qsofoTrcfud^qrqffiqErtr^ft{w frrn^qrid^qTTorftfr.r$,^{ilq3fl-ilq-6qso.</sup> orrErx^qtftqro1o.o8.2orao)^u-rgofun'ri c-6{oro}^qqqfrqrd^eiEqqmtgq5'T S,I {s}

¶5

CONTD. ORDER-SHEET

¶6

PAGE No

¶7

CASE No

Vijay Kumar Vaswani versus Hdfc Bank — DRT (2023) — LawSathi Research

¶8

DESCRIPTION OF THE ORDER DATE
dq^qqg-flr{ irrotrl-rnfun^qrio-rci-g+r fu-q1^qq1$I 5. s$ir{qrfr^qeTEmgfl3Tril({o-I\i'Glrs ftirooz.rz.2o1e^qie-Edfu-qr^qrT6TB, frrg-d^qltaqtfumqerqrGTrifisrrfutET origVoTrcfudo.{rfr^rr$tofenicocH gRIoilRfudrqffr*esd-dg{ErrIcrRil GIRqri{irfifi.10.20166torre}fudfrriqri fu^{u-qoq-6urrwrdrltrl2 q{.oTerfdorz} fudfldf+eetrqofu-+r^rr+rBIfuaq or ot$H-dq-q-r-6onq.ftc-SBrvrp.rfroTrcfu m^.rgBo13Tiff+.^qeTtfrqrfi^qrqr+qd vqelsiloTrcfuc-gdfu-+rB,vrorF-{r6rur ftiro27.o4.zorao)fu-qr^qTT6rQrT,fu-g orrnq-6^rreri^qrstqlqvrrcxd-qrifrrn,ri ors-soilEnttwssGTkwqo)gr{166-ri o1ft{dtvmonnfirqofrr+d'r
6. srerfrcFilqrEfu-qrrrflBsftoilf{6 qeTt d qsrdtdrrrEq-qt 23,0o,oool-(i-fsere)vr$6rTUTfuqr q) xqsrf,rg{ft.q.^q}&ogentfrqqs-{rfuirfi 22.02.201sorifq-o.csTo)friroo+.os.zors6-) ffi +€tdr$ifto.-{frT$,twnorqm frHro22.10.2013dEqrtsionfuqs qa-++t Tsrflft frqiors.oa.zor+o)o-rff G,snTsrflfrRirors.oa.zor+o)o-nfi .T{, Eq{*DRrrRiroro.oe.zor+o}o{rqr rrfltm.ilqrqrdsTricrfuFfi.10.2016Wq
fu-qr^.rqr,fuqo.rffiilonnfficeT.ft scfuTdE?ir,qrarfrcFtrdrEfu-qr.r+tBot fussrfuf,ffirqrenqfu-qrrrqrto1Aqrec r6-{urdd?4}+t vserE{ffird orfqr$fuqrd, TS ildrr^qrqfr qmo-rtqrrrrqri-fr A.r$, ftrs-qonAqo.qertotg tsr gufi3Tffistc-'re o1ftqrecc-6-r'r

¶14

DESCRIPTIONOFTHE ORDER DATE	REMARK
01o.rffi^?DTEge-6-rurtot$sq+rfiT€l Br 7. oidtfcfusrEfu-qr^rrqrBo1ffi qa-+ft-ti-o23.03.2018d^q-"FrqrfrEqfu iIETiT-^{?DIqIO{qTFITTIT}@tITO^qETqltl@-q IrTrurc-{ftiro04.05.20180)ftqr^qrqx ftiroso.os.zo18o.)^q-ftqdfro-rqrwgp'r Bt^gqGflErRc{rqdsnnd[-{ft-{wfrrn^qri orergtufu-qr^rr+rBt B. oTrfq-o,^qeTofGirtErNT17(1) st$ffiVtrc2oo2d^qrfirqtdffTft-irf 10.08.2018oirqofrtn^.rngtu-o"rd qqqtsorqrfrt-fr ExtiG-f,onfuTq q++r,fr.rq++r,ffi q+rvofq-6-q^qffur qeolerqrwft,tqriofs6r{rdlqre'r$t, qprfreiqqfuorffie EMclkd^sTricr ft-{is17.10.2016o1^sl.n-klfrt}^qrio1 sar{drsrfr^,r$t,{ffi^tnrffifuirn 27.04.2018derqrwfrti^qrid^q-u+arer$ .r$t,dofl-il{oceTo\uu{Esql^qEedrcl drnat^qK6RrrIssqi t^+sft+sd oiqtfrffifiTosarrrdlfuu-o-w^u-qot, dX"rds^qrsT.igt^q6q'ut^t e. wia-oe-6{ut^{e-qdori tgq} ft-dqo)erqtfrtt^{qri01gseiEo-qot} eiffior^iDIqq{t,^{gss<,+ tfqr++q} gAaIl-rIIcFI EITT Etrsfi⁺⁶ qrdd fi.(s.err.fr.)^zotat^{dfudffiqft15oz.tt.} zozzI^{qffi{dqftTdd er5wEIr<I17} (1) qrffivtrc2oo2d^(ffinu-qddi^srA e-6ruitfr^{qm 5Tqiqrolfufrfid qrqETH} ofl-offidrSe}t1't1^{ftufRoqrqerqfu+s} fu{s o\ffif, T€tfttfi^{,IIs6-f,I,tqTfr} qft{d qr+fiq^qqNIs@^{qr{ficrqd qtsfi-d} dam ^adt{ Td frfras crFe-c ^qffi Td ffiq tn

DESCRIPTIONOFTHE ORDER
DATE

REMARK

01o.rffi^?DTEge-6-rurtot$sq+rfiT€l
Br
7.
oidtfcfusrEfu-qr^rrqrBo1ffi
qa-+ft-ti-o23.03.2018d^q-"FrqrfrEqfu
iIETiT-^{?DIqIO{qTFITTIT}@tITO^qETqltl@-q
IrTrurc-{ftiro04.05.20180)ftqr^qrqx
ftiroso.os.zo18o.)^q-ftqdfro-rqrwgp'r
Bt^gqGflErRc{rqdsnnd[-{ft-{wfrrn^qri
orergtufu-qr^rr+rBt
B.
oTrfq-o,^qeTofGirtErNT17(1)
st$ffiVtrc2oo2d^qrfirqtdffTft-irf
10.08.2018oirqofrtn^.rngtu-o"rd
qqqtsorqrfrt-fr ExtiG-f,onfuTq
q++r,fr.rq++r,ffi
q+rvofq-6-q^qffur
qeolerqrwft,tqriofs6r{rdlqre'r$t,
qprfreiqqfuorffie
EMclkd^sTricr
ft-{is17.10.2016o1^sl.n-klfrt}^qrio1
sar{drsrfr^,r$t,{ffi^tnrffifuirn
27.04.2018derqrwfrti^qrid^q-u+arer$
.r$t,dofl-il{oceTo\uu{Esql^qEedrcl
drnat^qK6RrrIssqi t^+sft+sd
oiqtfrffifiTosarrrdlfuu-o-w^u-qot,
dX"rds^qrsT.igt^q6q'ut^t
e.
wia-oe-6{ut^{e-qdori tgq}
ft-dqo)erqtfrtt^{qri01gseiEo-qot}
eiffior^iDIqq{t,^{gss<,+ tfqr++q}
gAaIl-rIIcFI
EITT Etrsfi⁺⁶
qrdd
fi.(s.err.fr.)^zotat^{dfudffiqft15oz.tt.}
zozzI^{qffi{dqftTdd er5wEIr<I17}
(1)
qrffivtrc2oo2d^(ffinu-qddi^srA
e-6ruitfr^{qm 5Tqiqrolfufrfid qrqETH}
ofl-offidrSe}t1't1^{ftufRoqrqerqfu+s}
fu{s o\ffif,
T€tfttfi^{,IIs6-f,I,tqTfr}
qft{d qr+fiq^qqNIs@^{qr{ficrqd qtsfi-d}
dam ^adt{
Td
frfras
crFe-c ^qffi
Td ffiq
tn

¶19

DESCRIPT]ONOFTHE ORDER DATE
oifiTs wsrqvq.fi.3125,/zoraidIfuf, trqftci-6os.oe.201ett^qftqrkdfrqrrrqr t,di^qfrqKo-RUrssqEti6'rEFrElid ilqq(on'ff6^qmt+sfffgderq{9-6-rur ITEdT€IfuqrB,CTtI^qrtr5 qqiEr3lEfuqqd srqETEtoTH6Rr+6{ftErfR-dsrqerqE+s k{fld ffid l-€ifu-fi^qrrr6-drl 10. seFrf,:^q6vdqfrqtofe-q-ox arTrrrFrqdvqel66nftq6q-o-rqq{{{ cer^qrtGNtu-+gofuirrioncfuorqrnfi o-yft-trq-turRirozz.o+.zorao)ft-qrrrqr, ftre-dffqqtonn{o^qertvoEqrfrd-o Enre-6'rRrf,^qft.r$frfiftq+rro1sTreifud oGgVoilnfirqofu-qr rrrrrQrT,3{elidES t^qaeid+drt^q,tsTrf+oqero)Bffic-qrfi d-ocxrRiroz+qrdzoreo)q-o.rRrdo1Tg {+drfr^q-d{r1's{s{ffi qa+dernnq wftirfi27.04.2o1Bo)t+fR-dofGS ffi otffioTgFrHroz+.0+.zorao)d Tol^{erT,d-GrsffioTfffietrrT}1s1S.fr.fr.d oimforqafu-qrrrqre-nt 11.^qFdtrdqtr6n qrqrrrrdamqqfr Gnt{rfuro21.04.2018dergvnen}Eoqer oformfuo)F-ffifo-wrr+r,dTdfi olrn<oseT6-rq-d6erqB+tFel-qqo'rffi qeTrn{o.ceTdftqfrTficrtrq-ftTioTi{<-o. qero)qrR-d3ntcr'qrrqzt.oq.zoratom.rd q-S o-rrqrt,fu-SfrfuoqrqETniofsrflr+f,r eTqrfrEift,fryffi E+qr^fffioz+.0g. 20186TErcdeTfiq-ficeTo) oqt6-qz+. o4.2o1loiq6.r-wtdqrcrcmrqrifl, aqdqr$151S.ft.S.+oTrnfidqreT ffrftTfrfrcoT$qe1q,froqwGnfe{ rgofuurrqrarTI
orqld ffi ffi 2a.sa.2orat+sfuq-seft 24.03.2018 12. TTUHT oi

DESCRIPT]ONOFTHE ORDER
DATE

oifiTs wsrqvq.fi.3125,/zoraidIfuf,
trqftci-6os.oe.201ett^qftqrkdfrqrrrqr
t,di^qfrqKo-RUrssqEti6'rEFrElid
ilqq(on'ff6^qmt+sfffgderq{9-6-rur
ITEdT€IfuqrB,CTtI^qrtr5 qqiEr3lEfuqqd
srqETEtoTH6Rr+6{ftErfR-dsrqerqE+s
k{fld ffid
l-€ifu-fi^qrrr6-drl
10.
seFrf,:^q6vdqfrqtofe-q-ox
arTrrrFrqdvqel66nftq6q-o-rqq{{{
cer^qrtGNtu-+gofuirrioncfuorqrnfi
o-yft-trq-turRirozz.o+.zorao)ft-qrrrqr,
ftre-dffqqtonn{o^qertvoEqrfrd-o
Enre-6'rRrf,^qft.r$frfiftq+rro1sTreifud
oGgVoilnfirqofu-qr rrrrrQrT,3{elidES
t^qaeid+drt^q,tsTrf+oqero)Bffic-qrfi
d-ocxrRiroz+qrdzoreo)q-o.rRrdo1Tg
{+drfr^q-d{r1's{s{ffi
qa+dernnq
wftirfi27.04.2o1Bo)t+fR-dofGS
ffi otffioTgFrHroz+.0+.zorao)d
Tol^{erT,d-GrsffioTfffietrrT}1s1S.fr.fr.d
oimforqafu-qrrrqre-nt
11.^qFdtrdqtr6n qrqrrrrdamqqfr
Gnt{rfuro21.04.2018dergvnen}Eoqer
oformfuo)F-ffifo-wrr+r,dTdfi
olrn<oseT6-rq-d6erqB+tFel-qqo'rffi
qeTrn{o.ceTdftqfrTficrtrq-ftTioTi{<-o.
qero)qrR-d3ntcr'qrrqzt.oq.zoratom.rd
q-S o-rrqrt,fu-SfrfuoqrqETniofsrflr+f,r
eTqrfrEift,fryffi
E+qr^fffioz+.0g.
20186TErcdeTfiq-ficeTo) oqt6-qz+.
o4.2o1loiq6.r-wtdqrcrcmrqrifl,
aqdqr$151S.ft.S.+oTrnfidqreT
ffrftTfrfrcoT$qe1q,froqwGnfe{
rgofuurrqrarTI

orqld
ffi
ffi
2a.sa.2orat+sfuq-seft
24.03.2018
12.
TTUHT
oi

¶25

DATE
oTretfrdfrriqritgofvrq, cqq foforo.
08.2018o\gs^qr(orturorerldffi
q4{r
ftffi2a.6.2018^tn)3rrqifudottfuu-qo
trm{ur3i-qfu^qrfuoBI
13.^qaia-o fumrqrcuqrf,g{gnT
qrR-dGniclftqiorz.ro.20166TcE{t,{s
elrtcr6'13t-s-di6-{o-tiwo-Fs-enrstcrqr
qrortof3TTri{6cardfugoTtr{ffir
scfurd gq*)rilqqrqrf,fttmorgcfurdtB,
cltt^q-fr{urfiVocsffqontcrcrR-dfu-qrrrqr.
d^qatsr^y5wr€tB,ftrfino1^qa6-6r^qT
s-+-dro1erwfudr^qreedrmeniEo^qel
o\q++nB-dfu,tfu{rfrzoftqrd0-6
fidH{"I61ffio1^,r$Br
14.srif<-6^qerETqTfuoqerqrennq-{it
etttwmfro27.10.2016o1cfrfrfteTfu{ffir
EnTcTkTo-roTrnq-6^qero)Bla-dEro-{rn^qri
qrftiro.o4.oa.2o,r8o)gnioferf,o-S
wrSt,fu-gcrRd ontcrftirorz.ro.zorotf
cfrftTfrYrrcilofyemcT{rdorjtn
cfrftfrft{yqrs.oo.zorao}frsqcrcro-nfr
.rg?ftyqqqGntr<-6qelderfu+mreTqr
fuer<-srmotd^qrqrcrqg3rcrilq-6ceTd
ftqscfurdEiTd+,dfi{iffoceTofq6
q-qrq-qrfr,sil-tcrqrRddic-oq-6-r"rqrt
cRfuTmft^q-{.rdr-6fr,fu-gqRenieoqer
gEdFrqra{6r,dork{ffirorensd6-r
onil<o^qeTqRqrqtc-€lTsq-6-f,r
I
1s.orinc-oceToffrrtfrd.rdvs
ih.elqqrqffonn{6 qeo}qrfrenftcroo+.
08.2018^qigsentcrorsrcgon,fqrqrfl6-$ orot$sfuoernm=rSt,qfuonteoqer
o-r.S.vc.^qd-drgydqrqra-qtofts-ffrd
qtqqtcfrfrfuf,edil{rqasclfdrBqrt
onilq-o^qeTo)o-rffiirrEFTqr,oqentcr
DESCRIPTIONOFTHE ORDER

REilIARK

¶29

DATE	DESCRiPTION OF THE ORDER	REMARK
	cIR-d*ifoito.tfrofl-ns-6cmoJqfloTrtcr tnlsrq++eUqmofr-qrqri'n r
	16.Es d{6tqsfioorrf,tot ffi Ed{t^{fuirfi24.03.2018,ffio.rffi} ftirozz.o+.20i8,ftdrfr{firftiroz+.0s. 2018\iqe1qqfuorSrsrffiuedg{E1-{r crR-dontyrffiorz.ro.zorodfrqq^ttoTrtrq-fi gef6rq-6'{urcrqftqrfuf,t,erafd qrEonq o-IflrIe}td^qTsq(+sfu+sders{ e-f,r'r u-qor€fgurBW fuoqe+croTrtrfiffio.n ftrn^qrizh.qr€ltt
	17. rDFrFrSqC-gdffdqeTrrr3Tfffi t+rw6-{igverieocflHMe-rgds-6-rur oi-qfu^qrBddidoilElttctgSwr^qcft{tr fuqr^qrortr 18.*D'wr^rDTqRunqqdfuqr^qFFT q-6{uroTffi€rFrrtE-{kdvqrqrit -^3Df-- gffi+rerfoy ffi{oTffi S.eirs.0^q.q.wudsrra

Vijay Kumar Vaswani v. Hdfc Bank

A compact analysis

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