Shri Rupesh Saraf v. Aditya Birla Housing Finance Ltd.

DRT7 Dec 2023SA/742/2022

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 No

CASE No

DATE DESCRIPTIONOFTHE ORDER F.<sup>742/2022	REMARK
07 l2zoz3^{sTlilq-oqeTd fr\frilfuqcr6TE} eft-q-mt sffi-qrfr fuftq€{enoqiznr+ftq fr^qfuor{csterfuqqrr 1.s+Fr^qfloiGTr-ndl-fi^qer+tr t rqd ftdTnriYirq-{oTrilfisn{q. 23s/2023ftirozs.or.2o23,eFrloil-a-qn er$.Y.2s7B/2022frnio2s.11.2022gq f+qqerqrsr-iEcsn$.g.rosr/zozzFgrq 06.0s.2022^q{ETr^trqrtt 2.tro-rqsrei-s-dfi-{fu-qr^rrqrt 3.3fl-iEoceT^grtlftiroos.og.zozzd sr{l1z111s-t$;rfr\r{d2oo2dvrqE[r]d iliorfa^qae-m-{urTilfl:+dFftq+flfuir6 18.08.2022(\i-@r^q,/1)ssfu-dT^q@u {Hg{(E-fisq-6jERr crfudGil-tvtft-iio o7.os.2o221q-i-@r/2)^{q</sup>Gltrr{dfrrn^qri dI^q-grirf,rtgry(fu-qr^rrqrB,vreTfi fr'lqa-+'tisrlfuq.qq,-lrofod-{rfro<br>..fterqrwftriufiorergtvfu-qrq-flt, fuS^gsu-<litoti^.frotft+q^q-m{orfr fid.{TStcfr^+itrq+<rorsrqrsilfuTs {qfl^{o-rffimqFidfu-qr.rqrt t} 4.snil{6^qeTgnTF-rurs-qd o-G^q ggfumqoisqrfttt^qfitgg.l-osr-d-fi qrqls.rqi<r oTfrfr{qsn$.g.rosr/zozz ft{1qoo.oo.2o2ztr{oilE[(^rNrrgdtet sr{r13(+)wtffi^yf,d+oHoot$qalr sril<-+.seT^q-{drfi-f, T€tat^.r$}	sfld sTfrR-fieirq$Hqrffiof^qrsrcerontd (-) -.,

DATE
DESCRIPTIONOFTHE ORDER
F.<sup>742/2022

REMARK

07
l2zoz3^{sTlilq-oqeTd fr\frilfuqcr6TE}
eft-q-mt
sffi-qrfr fuftq€{enoqiznr+ftq
fr^qfuor{csterfuqqrr
1.s+Fr^qfloiGTr-ndl-fi^qer+t*r t
rqd ftdTnriYirq-{oTrilfisn{q.
23s/2023ftirozs.or.2o23,*eFrloil-a-qn
er$.Y.2s7B/2022frnio2s.11.2022gq
f+qqerqrsr-iEcsn$.g.rosr/zozzFgrq
06.0s.2022^q{ETr^trqrtt
2.tro-rqsrei-s-dfi-{fu-qr^rrqrt
3.3fl-iEoceT^grtlftiroos.og.zozzd
sr{l1z111s-t$;rfr\r{d2oo2dvrqE[r]d
iliorfa^qae-m-{urTilfl:+dFftq+flfuir6
18.08.2022(\i-@r^q,/1)ssfu-dT^q@u
{Hg{(E-fisq-6jERr crfudGil-tvtft-iio
o7.os.2o221q-i-@r/2)^{q</sup>Gltrr{dfrrn^qri
dI^q-grirf,rtgry(fu-qr^rrqrB,vreTfi
fr'lqa-+'tisrlfuq.qq,-lrofod-{rfro<br>..fterqrwftriufiorergtvfu-qrq-flt,
fuS^gsu-<litoti^.frotft+q^q-m{orfr
fid.{TStcfr^+itrq+<rorsrqrsilfuTs
{qfl^{o-rffimqFidfu-qr.rqrt t}
4.snil{6^qeTgnTF-rurs-qd o-G^q
ggfumqoisqrfttt^qfitgg.l-osr-d-fi
qrqls.rqi<r oTfrfr{qsn$.g.rosr/zozz
ft{1qoo.oo.2o2ztr{oilE[(^rNrrgdtet
sr{r13(+)wtffi^yf,d+oHoot$qalr
sril<-+.seT^q-{drfi-f, T€tat^.r$}

sfld
sTfrR-fieirq$Hqrffiof^qrsrcerontd
(-)
-.,

¶5

GONTD. ORDER.SHEET

¶6

PAGE No

¶7

CASE No

DATE DESCRIPTIONOFTHE ORDER F.<sup>742/2022	REMARK
07 l2zoz3^{sTlilq-oqeTd fr\frilfuqcr6TE} eft-q-mt sffi-qrfr fuftq€{enoqiznr+ftq fr^qfuor{csterfuqqrr 1.s+Fr^qfloiGTr-ndl-fi^qer+tr t rqd ftdTnriYirq-{oTrilfisn{q. 23s/2023ftirozs.or.2o23,eFrloil-a-qn er$.Y.2s7B/2022frnio2s.11.2022gq f+qqerqrsr-iEcsn$.g.rosr/zozzFgrq 06.0s.2022^q{ETr^trqrtt 2.tro-rqsrei-s-dfi-{fu-qr^rrqrt 3.3fl-iEoceT^grtlftiroos.og.zozzd sr{l1z111s-t$;rfr\r{d2oo2dvrqE[r]d iliorfa^qae-m-{urTilfl:+dFftq+flfuir6 18.08.2022(\i-@r^q,/1)ssfu-dT^q@u {Hg{(E-fisq-6jERr crfudGil-tvtft-iio o7.os.2o221q-i-@r/2)^{q</sup>Gltrr{dfrrn^qri dI^q-grirf,rtgry(fu-qr^rrqrB,vreTfi fr'lqa-+'tisrlfuq.qq,-lrofod-{rfro<br>..fterqrwftriufiorergtvfu-qrq-flt, fuS^gsu-<litoti^.frotft+q^q-m{orfr fid.{TStcfr^+itrq+<rorsrqrsilfuTs {qfl^{o-rffimqFidfu-qr.rqrt t} 4.snil{6^qeTgnTF-rurs-qd o-G^q ggfumqoisqrfttt^qfitgg.l-osr-d-fi qrqls.rqi<r oTfrfr{qsn$.g.rosr/zozz ft{1qoo.oo.2o2ztr{oilE[(^rNrrgdtet sr{r13(+)wtffi^yf,d+oHoot$qalr sril<-+.seT^q-{drfi-f, T€tat^.r$}	sfld sTfrR-fieirq$Hqrffiof^qrsrcerontd (-) -.,

Shri Rupesh Saraf versus Aditya Birla Housing Finance Ltd. — DRT (2023) — LawSathi Research

¶8

DATE DESCRIPTIONOFTHEO ER Al-1l^sTrtcrft{p^{oz.os.2o22aPrql TSqH}
+trsdl+t-qask{fld^erqqq-6-tul v-qor€tfu-qr^rrqrlSs^{sIIEInq{qr{ftq} gEKTTIAII{TEIq dtrM Efwlr^qrfuo, os/2020I rflrfud^f{cn ^{frtcrA s-{'rclfr} gs q.3[r{.3TN.ZO02^qffqotdzezt^qrffiqr an-o.ae?FwInsffi{d^Pgi(fre-mT{r ⁱ
fr^gsc-{-roro<sup>g"rdq^wgiqro-t sr-jtqfo-qrrqrtt 5.e-fi-tuTdkd€i^{d+{rcvf,i_qrfr} +-o^ggrqq=Tat^.r$ffi otffi fuiro08.11.2022vs^{q-EI=IfrtnTit-d} e€frtd-cfriro^zs.tt.zozzdT+fr^tt tgffi'tfi^{srn{cen$.g.zss,/zozsfriro} ,i.o,.rorso\uq(^{fr,qrrrqrt Yqqs} sTrilfio'ru-qo^.F-{it^gstro<o\e{qr frrt^qdtg^{gfigam3rfffien{'q'} saaz/zozsRiffi^{2e.11.zozsa\u-qo fovr} .rqrtt 6.s-f,{qrfi^{qeTgl-{fuf,qerqrqr}-fi,} ffitr{sTiffi{,^{tlr.rloififiorgerot} E-{rstrq(^{fu-qrrqrt t}
7.s-f,rqrfi^qeTaRT^[qf,frt]'r]^W sTrnfid^q-qrqd^{qrtqqt or-flrdo-{-ql} .rqrtfuffiot-ffiRiro^to.os.zozz frw-dSit^t 8.ser{f,:ao^{enne<d srqu-qofrrn} Tifuf,qflqr^{3Tl-ilfiflftgr6-{urftlqr qr}
T6rt,frrvd^{or-gwnqEFqftrddmrfu} "aqr3il-il{6^qeTfl-{t[qdW^q-fi-ror3r-t gtlds^q{erffiffi-o^{frtnqfifr.q t"I}

¶13

DATE	DESCRIPTION OF THE ORDER	REMARK
	e.^qEfrffi{f,Bof^GTriq-oceT^gRrSs orkf,er{dsrer^q-{-rurtrEdfo-qr^.rflB ateTff{oceTo1fr-rqq-+sisTIEq-.q q++ofl}trfldffi-flfrtif{qrEINI14 q{SffiVtrd2oo2d trE orffiot or-tcr crfudft-qr^rrqrtI
	10.Xaurile<d^qrtqqt^q-frT{gq H6rirf,Tde-{-rilfr^qrqonq{-offiEqcl furofi.ol.2ozoR-tffi^g/1)vqfuflI cmevugr(u-ffiv'rc)^grrclfudsr-tcl ft{15ez.os.zozz(q+ffi^q/z)d^sTIErri rr-{.r'rqrfrrtufidr.qtt
	11.sf,r-qrfrceraFil^q-eHd^qrtqqt rqdofT$^qmoffidergsxffi q+lrfutio1a.08.2022dslEr-r^qreKTfud atT$ffi q,tolffiq-fl$ETfrt, ererfuffi Ed{r^{fuir6fi.oa.zoz2d} q-d-[critsilqqt-EorqsTrksfrqE] To-r^{t,qqfuer<Tfuaffiol-ffifuiro} os.os.2o22dGi-fltrd*iA^irrrTfrffi q+rrfuirofi.olzo2zor eTIkf, sqrqd Tortr
	12.s6itrrfuf,r^qftil-Sc{r+gi (udsl-6)gMcrfrdor-tqrfri.ro.oz^qrd zozzdfrqq^ifq-o-rqat^qrflilorcE{t, qrR-dsil-tclo1ffirFrdssqfrftTfr(g+{q-{ /2)fr^{otrs-or-sd ei-q-frf,{}t^weB fufu{f,ftfufuro.23.0a.2021o1fuf,r q@zvrug((E-ffi-s-r-dJdqqasr{ff<-f, €isTEqrqscRar(genffiGIffiiot sfrB-Tolero{ffiT$ITEc{st-dGr+flf, qasqR+roc-St93il,T6ngm' V oTrtcr

¶17

DATE DESCRIPTION OF THE ORDER tF-t eTr-t{rfu[fi07.03.2022^qrR-oEe[rt,^3lqtf, crRd^oTrtsrftiro^{ozqdzozzBq-qceilo</sup> g-{qderorfl{ttflcrkd^{ft-qrrrqr3irtcl} Br 13.sTrt{rof^{qqrFrdcFdfufr q< cfrftTE} qrcrsRIsifu-d{fi-f,5ilttoifr.dfumd or-gqnfuioze.oo.zozzd^sfrfufrrEr< otfrT{B,dqqfuotcfu$ettugt (E-drflqd^gxrcIRd^{entsr$r-qqao</sup> Eilqri^{olsttt-{Ntfi-{qrR-dfuqrrqrt,n-q} q-Afiz-tqatsg_{-qdneEqRrd6 rr-qr,f,.I,ftcrfud sr-tcro\gffittot qKo-RuIzqrdzozztssqfrqr^q-{r qr-}qTIqr+fi-qs@ilq^qrrllEl-qdETq gf{qtqfuot03/2020dFnrcrtzaT{ zo22aqof^{qrqer+Egwocfrqd,} oq^{rft3Trilq-oqer}o<sup>rzgor{2023aq} elBfi-rqd^{qqetg-d-{urgEf,oqctqI,} fr-{ftFiro^{os.os.2o22o\crRd3rTt{T} ft{;ooz^{qdzozod fus-qu-qo fu-u}'r+r s-{-{"rci-qB^erkdt^t 14.ue^g{enfrdfrBt^{fuffiffioTrilfi} d^qruqqttrfftfud^flQrI{d^3r-a-fi6IqFI +drt,^qrelfr^Tdfi$erTfrf,^{frfut fu} sr{I17^(1)q{$ffirv{e^{2oo2d stod-oc-q(} disTdtrfi-tq^{znrssqq.s.{i.d q-il'f-d} aa^ffior d^qrqrcrqtu-qailt qr&qrEq-toT +(iTt,+flrof^qmfiq}
BEktrI^arqTcrqA ^{gM crffirdfrfid}
f{$-d^qfuq-{mq,figqr w ^sf,qzooa(z)
$Lfi.'d.d.^{aoad s-f,rolt oTftqdcfr[qlkd}
ft;qr^q-qrtt

¶22

DATE	DESCRIPTION OF THE ORDER ^A ^r{	REMARK
	15.^qn-O^q5^rrqlqrsTtuF-{qat
	Hlql\rqdl o-rccqtt^qr=rftq\rqf,q
	wra-q6r{r^{gIqE@rrq(zoro)r+} vs.fr.fr.sr+t^{qfrqrkd3rftTa}d^ergwn {f,^{qrEqafrqmrs rqf{sfift-qqd} yFrErlrlyr+qq-€fetttt 16.^gtrdwnrfr^qmfi-q\tqilq ^.qlqldq dams,ffiffg&EfiffirIE-6qcr{-frq frraftfrfrntrd-frEtiqcMde^(zooa) 7^yfl.fr.fr.rogicffi{dsTftTddc-fl'Yr tfrclsoTfuftqqdstrncffiffifrs qryqfrmd$-<dnTqfErffiftqq1e63 o1erm5$^qsssq-dirToTc-qfrfud^q[i B^qtiqrqrflqofffiN3TEft{qAtrn yrqtTrF-asrqfrqro\ffif, o-{iat sTffif,rrSftr
	17.erc^q6rdo^eIRIrz(r)s-tffi^gre zoozdff(u-rgd+tsrde-f,-t"ilt^qm sofcrfrqf,ro-rcr{t,^gqfrq-qt qmfi-qg!.krrla[rllelqgRIgt-{{-o dq, Tgt{r^qdsi-qfut-q ^qrs{frdrdmfi$c fu srfncfufr	sftf+asrftaocio,
	s24o/2ozzfrulqftiTo.'t1..os.zoz2
	;qt?rqeiil2022\rfl.S.fr.ffiq 1006ot oBorrrsirztofT$^qrslTdergux qmsqqkrGTEft-{qdqrqETHrrfwag treo+srerfrsS^q-<r+d^qr;rftqrtrs saRrrrlelrrof^glu-sft6ilfltfl1 gfrffir Tdyrfteftft&f{s-€
	sreNrf,wsTrfuwEEsq-{ to,o,ifiT{q\fti ei-q^qrfufiTEqiosi2s't/2o18tcIfu
	sTrtslfrqioos.o9.2o1s,^{ql-q-frqiFTttD<r}
	wt^qrqrf,qofrgtsfrd+aRT^oTGtrT
	a),,-

¶28

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	?DRT;ITT6-{ff\q3If,I sFl.fr.=i{t
	1s1/zoostcrfu^qfufuio!qpa2A@
	2o1o^gs.fr.fr. d-{dr{q
	iDEFFdT1361gS{Frftqd{f,r E
	.qlqlsltl damd.fr.qqcat{rddErss
	gercfi3rq3ilsrslrqdq ft-d-dEitroirrt,ti ff tfri.ro.ptlqqfdfr&2olsw.rfr.rft. fuqf,dwr2qu^{3i-s-dro-fi-q}t,ffi qrqqtqEfrBEterTFdofT$tfuqm rz(r)wtffiv{e2oo2dffnrq(drt qfis6-rqtqmsrqfflsrfiftqqd srrrEil=Toqrfr*frt
	18.{S 13-<$it^qgftqwkrq ^..{lqldq Ergtdwil{^qn_sTrqtk dFff{A ftfr&frs-q c-fruTdLM^(zors)ow. fr.fi.+rzncffi{doTftqddequn gqqftflq.rrp"ra[rITFrrIo1sTffiilro<br>$Trfuf,o-rort,ererldGi-qfuerfuf,s-f,{ur q-Afrfuteftqergnrurvfucfr.r$d, ocftg'Tslswr€tg=it^ullTFFcIIITqfr Es^{e-.Dwrrisf,<-qrfrceT}il-{^{oTMfufi fr} .r$tr
	1e.qflf,{dt{sTBo-tq* M w cgqf,rBo1+iilfrqu+rfuirofi.08.2022 tvrqq^qr(E-r-{q{ffirft6rffifuiro' os.os.2o22dftq.-dd^qlidsPTfr eilRe-e-&-qdg-rr$Ium1asq$ffig€ zoozdci-gsr{crRf, ontvtftirooz^qrd zozzdfrwts-f,{urGrqB^qrfuf,tsi i+oqemr fr'qc-€ttt

¶32

DATE	DESCRIPTIONOFTHE ORDER	REiIARK
	20.^rr?rFrsq3il-ilil{cerHnr[qf,ftrf,q flqrsrfffier-$.g.rogr/2022ftqiEoo.os. 2022ft{Krfu-qr^qrort,^rnrpr61^q5ftutR-o fu-qr^qrdrBatoil-il{fi^rTmgrrtrqdvfl.q. 742/2022entg"rElqw Et^qTtq)'q r€t t'r
	21. 9cFWI n<sup>qqqra-q-6ceT^grttrqd{f, rffifiGTrilqqu-qfrf+irozsor. 2023olXurds^q{Ei^qrifr'qfrT€t qr,aq3Tl}c{ cHgRrc{-ald-s-trffi olffi fu{if,08.11.2022sTalqlt-d qTEfr;d-cRirozs.tt.zo2zdg-rtfrti tgtrqdftrqrrirrrHNr{^Grfffisrr q-s-rortT"rdEwfr-qnqfr'qr€ltgs gSorsq^qefl-{sTrtfifrtffi fr.q c-€tBr
	22.Edsvqsil-ilq-osel^grtre-{gd trE-{srilfi2ss/2023ftiroze.ot.zoza, fuoqerqrGrd-fien$.g.saoz,z2923 ftqiEF 200.11.2023^gqrQrrnsrrilqq^err$.q. 2378/2022Ss ftquftdsrq^3TfrFfdElg qrtdofqR3il-n<-oqmq{qanffffi tnrffifuirooa.tt.zozz YqtasTtrfr;d-c ftirozs.rt.zozzd^g+ftt-fl^qraotB',d y%F'IFFrq[gdot,ilqrrrrqfrqor cr{vdr-i^q{s}FrceTo\Xu<}v^qrEiiF{ {s^CEfl^{ftqro-rqfu-qrqrtrnt} 23.smftqofrdsrq^oTlilq-ogrile-qd q-fr'{qqr(tnntr{trir\rssl-qB^qIEf, furtkdordgv^gfrws^ggsftr+t qrortt 24.Brril^{g&TsTrFII3ltfflqqq5q}oit^t

Shri Rupesh Saraf v. Aditya Birla Housing Finance Ltd.

A compact analysis

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