Anirudh Singh v. Icici Bank Limited

DRT2 Sept 2023SA/806/2022

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 DESCRTPTIONOF THE ORDER \rs.9.806/2022	RE]UIARK
02..o9 23 srril{o^qeTdfuqfrsfu{^+{ qffi6mil snt-qrfrd-6dfuqfr^q-ftgi eTr{fi-flrt
1.srrq^eGTo<sup>3r-nf,oceTatslltt c-qdfttn^.ritrq-{^3rd-fien{.q. ssia/zozsft{;o^{zs.oe.2o23,Telqq3lfffi} slll/zo2sftfio^{ts.02.2023gsfuaqerqt} sTrnfissll/2023ftqio^o+.0e.2023q{\rfi TSTEqI^TEITI
2. tr6-tqot^{q-q-d}4-{ftr-qrrqt} 3. sTr-il{e'ceT^g	-{Iq5q?hwTftiro^to. os.2o22o\W^3Tko-{urd^qceTumtz(l) q{$frv€2oo2dcrqEr-iidfff it'l w{r,^sTrBr(qEd{r,^ffi {d{r-o<br>erqrwfrtn^qfiGdrosqfu^o-r3llfus qfuqrulrqgflslprqo-rfr{q^qffifrtt qdatser{dlfuu-qoftqr^rrqrtt
4.^gsrrkt:fuf,q^{errll3Trilfieil{.q} ssat/zozsftqi-d^{o+.os.2ozsqIt+tro.{ur} fu-qr^qrrart^t
s. {fl^3rff<q?Ft5€q^{sTIEInt fu} sr-a-q-{sfl^gM{d^{3lrilfifrTqa{r,} sTrfu[iqq+rrGsl{I^14q{S-Sve^d ffaof^.doTffi^{o'rcTq-wfrtnqd} fu^u-qo.rqrtt 6.sd^qfi-fiarqt^{a13TlilqoqeIg.S.} \rqqqf,g{^{grqriB-adftqftiro31.05'} 2oz2G-t@i/3)^{crq6Yiw fuiro} 14.06.20220<sup>qq3fl-f{6qawReroEeir, (srrflqqmdq{Turturqoo-G^o'r

¶5

CONTD. ORDER.SHEET

¶6

PAGE No

Anirudh Singh versus Icici Bank Limited — DRT (2023) — LawSathi Research

¶8

DATE	DESCRIPTION OF THE OROER	REMARK
	o-6r^rrrlr,qqfusTIt{6^qa qI ci-{flrfr}G-{rGIrtfl^qrR-dfuqI^rrqrBI srrilq-osfl or^qE'rftolfuf,er{tfu3ltnffi cHscrrqrfrd.-ot^qEd-f,ro-rio-r^q-qrfl o-rcTr\rdrtf^gSfiserIn{f,cffio\fl-q $Tr^{of ssd3rrqr$-qrttn;Iol3ilfuvcq} diorGrtflffi--o.12.0s.2022^qrRoo-q ftqrrqrt,fu-{-frleqrFrf,sftfrqro^22. os.2o22dIII<Ig{tt {S^sTIEIntR qrn{osffio-rGt-g-tqtots-fi'{urrqf, o-{it+ofu+sor^ra'tfosqgwB, cs rqrftd^qtrfi.utt
	7.sf,rqrfrcmoforl{tfuoqsqt GTrilqco-ryer6^q-{rsrqdo-GgqoTIqfu mT$tofsilil{fi^qqoieIT{o'+€r ue-ogrd tnftHurfrgur,fu-t altqtd{.t fi3Tril{osHsqfurf, T€t $nr,fuE srrnffi^qeTo\er-t{o.rfl=Icrt*It^ertG i+oqerqrfrri^qfio-rfl+tqfu-qr^.rqrtt 8. s-ffiq.tezl^{q6g q1q}	-iqf,vm orerciaa uriletterwo-+re{^q-{f,g{ aM^crRdfrttTt^{sr-tclfuiro$.06.2022} ole+qrwfrrn^qda1ei$sarcotr& qr-frB,qfufrq{d{r1q-t@-{/1) friroso.oa.zozrGsIIErflq"-{r^(\ri@< q//2)fuimM.01.2022o)erqrwfrti^qfi ofsartrortgTdoil-d-fir+gofuut.rqrt vsfuf,r^{qmegRIcrR-dGt-eYTd} ci-gcnurt^q[6qqfuor^,fffuoeTIBqil^q fuqr^qrq,{tIsilcru oTft{el^qra.rqrt, oI^qrsorqenfuq.qq++doIIEIt{^qt ftqiRd frrniilrtdr.qtr

¶12

OATE	DESCRIPTION OF THE ORDER	REMARK
	9.va[^q-( ge{ sTrilfi^itsilErcq(d{rfuiro^14.01.2022 (vtflrq/2)o-r3lfu{4{ o-Fs+l^6.5q{ fuqrB,d^crgqnftordr^qr}.rrot snEqflqa{l6-15rr^{3Trilq-6qeroisl-{trT} ttr^gqEM"Tttqr^{qrqd 14,r+{fr} 2022d^{qK?Fl-{qvfl-I}E3IT,^ft;-grS+rd 2022Aq^ql=lfi-qwkrtl^{qFilql-q+ ftqlr} ftftrd^q-{T{rfio\fus^{1eqr-alcrfret} cRfufufr^{qqiEr3lfiftqqd srqqFl} Frdfud+fuflonq^{eTd{fiqeTo\fs} ffRqsd^{ol-il.tdeteltazeqlzozztq} snBv-eqfl{r^GTlfrft-f,frt}^ur-ttg^srq fiqrflw^,fr,frrd^{3Tff{6qerd Ertr}Td ffi-{qfr=im^{16.0s.2022o\u-qofu-qrrrqt,} dcafiEe+rfr^{erqBqkf,B t} 10.erqffiq cRRaf'f,^qatfu'eqt {d^{c?D{uIu-qoo-rii E n frf,qtTM5} qqt-oeTEFqqdH-qqri+trsTcrfrerqt fu-qr^{qrqxsil-n{6 cH}trM^trq(Tds-otul X"r^{drvw giqrit-gqr{qfu-qlqr} so-orBI^{qRsTiiq-6seTo-r}1f,^e-fi-tq1ur slEwgi^qfitg^qrflE3n,^f,qfiq-{ sfla-fiEqecn{ulfrffiq d.nt
	11.sflfl{Et^qaset^oferil<oqet am^{.ii.rq+n fuiro30.08.2021(+@i} /1)vq^{srEorsqt HFifuagnfuTfl} qffir^qnrrs⁽⁺⁾wffi^gqezoozftiro 1-4.01.202G'i@I/2)^{q\3fltYBafrtnqfi} fu^{n=*$.0s.2022o\u-goqEIFFIUI} s-qBsIBf,t^{gsoil-t{fivad}um^u-go frri^,rnsrrnfi^{qr{5 qqlETgTfufr'qq3r-€}
	.3s81/^{2o2sft{;50+.oa-zozsd qrtqqt} or.a-q-q'cad^{gRroTrNffiorq.srffi}

¶16

DATE	DESCRIPTION OF THE ORDER	REi'ARK
	qTdgqel-tr d^sTle\ft-( 16.06.2022 fuq^qdt^gqfuf,qolsqt ftrn^qHor^ergr)ufitqrt,^qrerfrw oTrn<qofsarqord^{eiffino-sqtrq(} o-{tfrgqfuf,qol^enqrfutwiot GrdeqfuqrtI^gsEMurt^eTl-t{o.qe{ tr"^{s-EdqEfuf,qeffiI3il€{stfr} qar{rf,Tdfrsq^qqrfrgv F-trqd fu-q^qt rg1	,or<qat^sTIilf,trvaiXo^ur+6q6 wpifuf,qHqr^{oil-ilfirqdr€tfrtqrB,} wefup^sTIilfiot^{o.trso.r4 t qmfiq} krq^qrilTcrqd^{frfrETcr.ptaas/zozt} gsstr{qr^qrfuor(frfra)@qTq,$/2020 nktTift{Yrd^norcrttao^uril65i wqqfifl d^Giciil{r^3THfl{origv c-gdfuqrt,^{q-Efusq-trfiqr@rt se} d^go.rBof^{nsfrRTso1q-qBt q-6wr} ,tr"T€tEYid^{onqei-qEErkf,t t} 12.siffq-o^qad6nT^TEf,frd'rn rHnrcsrIi-fifrqio^{o4.o8.zozed qltaqt} caTeTIifit^{eTwffidrqfficq-{f,g{} a*^{,tn-oGTricIftHrf,$.06-2022ofduor} o<sup>sTle'ifudfrd-n^qfitE^{qciqqtrwrfuf,} fu-qrrqrt,fr-g^{qar{ciltr-{3Tl-ifift-{io} 04.08.2023o)u-qo^g3Trt,^{6swt fu} ftqpro.oo.ozozzd^{crRdfrtnTi3r-AsT} o)^q-6-dten^{srtieocHgflqcilErcsTln{q} S^qrqqt^g+Atfl^ar-rflrt^r{o^3Tlnfi i^q.0gq.qd-dg{fl-{r^{qrR-d,fto mt"} 16.06.2022o1tuar^{61ofle\fudoCgq6t$} sIfufl{T€tfu-qrt,^qfu{o^erd-eqA o.trsfir6.et^qEvdq^{fuqrt ot} s-m-{qrfrto^{gnrsrri{o-ruTd fud-€qRr} r+s<Sffiv{eeTffi-rq^e-qdfuqr,mt

¶24

DATE	DESCRIPTTONOF THE ORDER	REiIARK
	;I 2754 2020 vs 3203 2020 o.trso,e 10o\€sFfufu-qr^.rqrBt v@19q.
	14.vffiqrfrt6ofsrktrqdfrti .riwsrsdqrtqqtn-oqHqroTfi{roT o-Fsor^qRcfuil-Eo--{igvrqf,sTItfr ft-{ffftt}^qriorGr-Stqftrqr^rrqtt,stpl fr ildd^qnqqtsf,{qrfr^sTfu{ffirot sncfutofermr(t)ffi$ffivE+ rEwroTssc{f,^rxrE?D.rfdrt,ftrss qmsrrqt<rGTBfr{qdqmffinfrwq6 tr 1s.vrr-qsfldft-tETrqm d-dd^q-mTqt c-s-{ordaea\oror-q-frocovtd^qqrf, qsGl-il{+.caatGNtu-qdfrrnTn sq{Yfr^qFIoqqgETilqcffi oTFqd qrT{r Hril=ru-.rcortgvqsufu+-roror c-(tof^.Tmfiqwkrq^qrqrilqdem qrffindfrot{frft&fu€€qfu+cds, Etrsfl vs^{cf,qzoot(z)gq.ft.w.d.+oae1} ofsoroztfrn^.dsrFqf,dergvxurr rzstffi\r€2oo2dffi u-qoi srfr3Tftmo-rFrsqXoffioxord qtqtf,q dsqeiv-qoeYiqr&qrs q-rirr ildrt,fffr^q.c.\4.dtrd^qrEe-Ed fu-qr^qrort,orartdwerkoqqdsqq trqf,{gtrm-{ut^rF'IFr-FrT^gKqaortI 16. ssd ^qPTfr^{qmftqwkrq -qlql('lq} Er{ro"srft+csiifrffir Efi^cr$+s fr$-dffffrrd@
	36q(zooa)7\ry.fr.fr.tosdTo{uT t
	d t, d cffi{dsTftTf,dergvxfu{^{qEE</sup> frsq^ttftelqHTq6q1ftuttroo1T$ B-r-dfrYqt^qr*rsrqt{rffiftqq1e63}

¶28

DATE	DESCRIPTION OF THE ORDER	REMARK
	IIITIEII=I gs {s^{qrrrffiqolsrqfrqTffido-dot} fri6T€f+mt
	17.^qrfiqs@ffI .qlqldq dgxr frq6 yffi{dBtmEErdd g-{TYI B-dsfiqto1^{erm 17(1)qadffig€} 2oo2d^qrqErqfrtq^{sqdq B}G^gsfrclE Bqdqd trf,frBd^{qfrf,o\q-o.{ur} rqdo-Gt-Eoufu{fl^ofsrqfiqt H!-TCf,atT{t,^a-c{fl^{gTD-f,{uro'r Es} sqqfine\ffif, o-{tof^qffidr qTTfi-qgz.Krrl -qlqlcl{.1 d sq-t-ffi dllqtccl(l tcffi{dsTftqf,d^q-mTcri gsfisdrogsnr€ttt
	18.{fls<dt^{frft-qqr+fi-qs@} qrqrd-dtar{rcffi{f,3Tftqd^tfr er+ffiqBr^gqfrYq^{+tqmfiq rfl-s} qaqrqroqd sosfts6gstan Tdcr$ae ftfr& srPr{r$w sTrsts{ fisfito, ^{o.ifirfi ,ii} erq^qrfuotoqioetzs't/2o1l^ndft-f, trqfu-6os.oe.2o1e^{frqffi{f,sTftqd} dergwrunr17^{ql$ffigwzoozd} oiorfdffiwr+sfu+sd^ois{u-rg(i+fl qFrfldt\rs{ssqdqtHIFIfrql ffido-Goror{^srqqrqrfrt^s-S Fdqofotrsrr¹²t^{qr-{ftqs@ .qlqlcq} dam^qtNaiIIA'r$t^o1qnrtz(t)oi sTla-fiS.erx.fr.dsqs naorffi^ot €gt1^qsott,ffifuaq^e{qrftttqd fu^{urus rqlsr3lEftqqd qrqqnqlsffid} r€tdit ql=rftq odfi-trtwIamflEFI AM^{3ItrCT orqRlqacr{tc fufr&'s3rq} frr-qosqr T6-{ff srdr 2olo\m.fr.fr. s6ftuftr f{t.-d^q

¶32

OATE DESCRIPTIONOFTHE OROER	REMARK
?Dd1DGIT1361 9IFWI e.u-sftddE-nr^{qfian A .r$t} sNI17^q{Sffi'€^{offl-ffisKq-l} 3i-{dc Td FT{IT orffi di ^t ell-tl 5 srfrFqq ^{-</sup> ch fltlEil=T dlrt ^{Tfr Eifr} s<qfr flTfiq^{+wr GIElrqlGl-q} *o.trsa ^qrdei.ern. a. ETIT6 73/ ^{2o1sq dfrfl ffqk{io'} 02.11.2022ot^{o.Fsrlrzi srftro frqr.rqT} tats{qr$\r€^d Gr-d-,futflrdrg qEEn;IT€tB,dr0.eTri.E.o1+sfudfld crsrdtrEdili^{srdffi-rqt fi+aqA} q-qfua\erqrfui^qrioreTRfiR^trEl-{ o-Eordr^{gsoF-sfiTzttlqq{eflA r-iB} offt-f,q^eTqrfrti^{qfiA sqdqd qqsfr} ot$fr^{qpil?ntqaaoo1sa .qlqlc{q} ,fi qqqftflffid c-€fffiwntrl 19. ffrr {fld^{qtarfrqr+fiqsffiqqrqrmq} t6^sfiq, {dErvs Sral fu€q qrseftrq ir(SFH fiffi crf,ic fdft}	s frfra^aIftd 5240/ 2022^fr dRd^fqotq ftFiro 11.08.2002A^{qirl{r ttrnrrz(t)} t^qm5Tqt{r sq6sv@^{2oo2d q-fi-{ur} qftfrqqdcrqtTrqar.1'+{r^q€tqrqr qrortt 20.^{q-{frsTrn{o'cero1d{t qr+ftq} ffiNIBIEI^{a[rlcFl qd qff-fiqf\ilfqgS} ERqIoTr^s-@ d,llqldq ds-rtrfi^qFfd erqEwddmqq^{tftd6Itql"l{snPa} w.iomofuqr^{rqrB ofqm5 TqfEr} qftftqqd^qrqqrqcrdrqdTffi 'r$^t, frr-dttnfiq^{s@il-qqr+tcrqw qmfiq} rl-{NIsEI^q-qrrl,dratva^q-illeftl, qrrftq ?rErFflIs@amrrrqd^s-q-{Yffi

OATE
DESCRIPTIONOFTHE OROER

REMARK

?Dd1DGIT1361
9IFWI
e.u-sftddE-nr^{qfian A .r$t}
sNI17^q{Sffi'€^{offl-ffisKq-l}
3i-{dc Td FT{IT orffi di ^t
ell-tl 5
srfrFqq ^{-</sup>
ch
fltlEil=T dlrt ^{Tfr Eifr}
s<qfr flTfiq^{+wr GIElrqlGl-q}
*o.trsa ^qrdei.ern.
a.
ETIT6 73/ ^{2o1sq dfrfl ffqk{io'}
02.11.2022ot^{o.Fsrlrzi srftro frqr.rqT}
tats{qr$\r€^d
Gr-d-,futflrdrg
qEEn;IT€tB,dr0.eTri.E.o1+sfudfld
crsrdtrEdili^{srdffi-rqt fi+aqA}
q-qfua\erqrfui^qrioreTRfiR^trEl-{
o-Eordr^{gsoF-sfiTzttlqq{eflA r-iB}
offt-f,q^eTqrfrti^{qfiA sqdqd qqsfr}
ot$fr^{qpil?ntqaaoo1sa .qlqlc{q}
,fi qqqftflffid
c-€fffiwntrl
19.
ffrr
{fld^{qtarfrqr+fiqsffiqqrqrmq}
t6^sfiq, {dErvs
Sral
fu€q
qrseftrq ir(SFH fiffi
crf,ic fdft}

s
frfra^aIftd
5240/ 2022^fr dRd^fqotq
ftFiro
11.08.2002A^{qirl{r ttrnrrz(t)}
t^qm5Tqt{r
sq6sv@^{2oo2d q-fi-{ur}
qftfrqqdcrqtTrqar.1'+{r^q€tqrqr
qrortt
20.^{q-{frsTrn{o'cero1d{t qr+ftq}
ffiNIBIEI^{a[rlcFl qd qff-fiqf\ilfqgS}
ERqIoTr^s-@
d,llqldq ds-rtrfi^qFfd
erqEwddmqq^{tftd6Itql"l{snPa}
w.iomofuqr^{rqrB ofqm5 TqfEr}
qftftqqd^qrqqrqcrdrqdTffi
'r$^t,
frr-dttnfiq^{s@il-qqr+tcrqw qmfiq}
rl-{NIsEI^q-qrrl,dratva^q-illeftl,
qrrftq ?rErFflIs@amrrrqd^s-q-{Yffi

¶36

DATE	OESCRIPTIONOFTHE ORDER TilST (tqilq qtqtdq gmfrGVsaFrsqrdnorclfr o1^eTMrz(r)n-tffiv€2oo2o-r ernwr Td^{sl-Ec,d swo'r}ilt'fe^fus frtqsq-sttdoiil.fde-6-{ure-qdo-{ttg frtqsrrqSfl^yrqqrF-dt,sfrffia frrn^qfifu^qrrs^qqlsrsTfuftqqrsoad Hrrrer scrirrsnofrf-f,T€tddt, dc-fiTcr frwnorq^+tsrd-<o^rTeTEnru-goftrt n$^qu-gertttdnTif{d^iD-{rrn{urnE( 6-{itgurfuaesqrftd^qrt+.qr€f tr 21.{sil{6tgsfts^{q-r qcr}to1^qq oril<-6ceTionBcsqaflfriror+.0r. 2022^gsGTWfu-dr^qQcq-s-f,gqHrrr crRosil-t{Tft{;5ro.oo.zozzdsrEo.xur vsqi t+sfrqfldei{r qserfuo-s dsqa^qrfuortrqf,org+fri-€ffrt aesilil(ocso)^qrrrsrqiErsrBF-qqd qrqqrdtd9-6rcrtfft-f,qflrrTo{qrfoor otoTersrrgofrd^.rttrqqurd-611 g"rdEwgror$frtn^qfio-rel-firsr€f kqwffiDdrItrFTsuqsrrilffi^qerg[rr rqofuo<erqrsTr-tfi^qqi-iloTBF-qq ft{wfuql^qrortt^qfrqmswenileo cendrre-qdTf,sr-nfirrxr17(1)H-i+ffi vE^2002,qrerfrtrErc^{Gil-f{qe[tcro} F-{qfifr.fr.frfurio04.08.20233r-qE srBd*i tft-{wfo-qr^qrortr	REMARK
	22.Gilil{fi^qeTgmrgoelrr{3fi.9. slaa/202s^,ftIrqdrorutwtru-{ sr-a-qcarqE^qIfuf,stotX"t dtqwgi qd+.q c*i tfi-{ffifu-flqrortI

¶40

OATE	DESCRIPTIONOFTHE ORDER	REMARK
	23.Bc-fftTTsRfrn^,rnftq-{dtrfrrcr fioTra-{ocer H-rrrEdgfl.q.ao6/2022 Gr-qfusrD-a .1q1fuifRooGgqufiX"r dqwgi^qriqtqq+itq.frwqcr ft-{trof^qrfrtIsidRco',1qTHqrwfu-qr qrort 24.^qRurqedfuqr^qFD-{q-s-{ur eTffisrqxtgilFd {Cttuil-qI .,$lD ({cFfi-fcid) ffiftrffi S.sl-i.O^q.c.gsE-ffisq-d

Anirudh Singh v. Icici Bank Limited

A compact analysis

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All orders in this case

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A compact analysis

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