Mr Rafique Umrani v. India Bulls Housing Finance Ltd.

DRT18 Apr 2023SA/998/2022

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	REMARK
	\ry.q.^998,/2022
18.04	. lozz^{oTriffiseTd frqfrTrfurGr6rK} 3Tfuq-ffirI sf,rqrfrtodfryfr{rScI+ftrf,r eifuqffirI tslErsfletoTrA-{ficeTof3T}ttu-go frriTdGiilRqsnilfi24Bs/2022frqifirz. 12.2022eIItI5^qT(ffiftqqwgTIrrqll' ysTddq-qoidfrctrEr-{oil-n(q 817/2023Yqer.n3rTilfi816/2023 W ft4-qzs.oe.2o23dtgrr^qFRtf+oeerqr orrler{qftsq-rq*t dHrer-Hrer{q sTrnq-n.nrft{ro-iqdkd{sTrt-rrTtr Clqr1$rr ci-q{qtrte[a-q-iiorftqro-rq fo-qrwrutr
	seFk[:frf,qffrroTrffiorr{.qo 24Bs/2022frqio,rz.rz.2ozzwfuutyfu'qr qrlErtt
	1.srril{ficqr^qmrz16}ltnwTermrz(r) HY$ffiy€2oo2dcrqETFid<tiffiqs srFo-qqdsqeTftiroos.rz.zozzoirqo fuqr^rrqrtt
	2.nqofun^.riXoGTlilfidrrtuqd Brrncf,^qeTtfiril-frq++rfuiro2s.11.2022 znrfu-qrq+qqtefi-f,frriqfi,fudr q'srffiTrqgsgMcrkdoTF+crftiroro. 01.2022o)erqrwfrri^qdsifti'ro,r.oo.l zozzdftrtTndfu6sTrBrsEfg{, 1 RTrfuad^qreroTrErsq+<rwfr-.1q++r

CONTD. ORDER.SHEET

PAGE No

CASE No

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	doTqrwtrr+ffioTlr6r{dTo-r3i-gilEl TI-{[IBI 3^zl-6E-{erlfr(i4BtfuB-f,i-qrfrffiq rNeroTarqrt-od fifuTfuE,a1e-d6 oTffiu\erm13(4)orQrqr^qlqr14wqdffi 1'rdd^{cia,fnEUftqfu}d^{ft--s-qc-Krfud} I of^qffit,wrorffi tse-"q^qr(o.Rnl t+sfrqsdeiqqfiEBf,GTBf,{qdwqa fi.Bd^qfuo1era-cctr{Ed^zn-t-{r*ort'r
	4.sTr-il<-6cqd^gxrrrr{13(4)o1 eTrfuT.qq-firo1wEffwurdsTeT qft-oar{olen*fuoc-€tfu-qr rl-qlt,frrg ffi Ed{r^{fuir623.11.2022vsfuf,r} E-srffi^ylqg{6Rr^qrfusTrtcrfriror.o. 01.2022oi wew tGTft-oerqorigv q-aririlstfrT$ttVtrqE{ttgserBm-{ur grirTdcrkdoil-tcrft{pqzo.os.zozsfr oEsor-2,a,siwwfu-qrwgorto1 ffi Wqcr^{fufr623.11.2022d norurt} ftqi6ro.rz.zozzdftErfRdffioTffi Fq-fldg+1tvq sTti{ocsT sr-{Ttrqd q-6e?Fwrffi rpqclfuiro23.11.2022 ererqlffi ffiffifor-frrctz.zozzd frsq^tiqr-eT$sarq-flrtgsr-tgqdqw fr-4-ifril\il-itgfrtuo r€ttr
	5.f,dcrRosTr-tilfuozs.oe.zozsd oFe-ot-rodergrx^qeftsuftfrofGt ofo-dervrqg{Ertrenttrfriroro.or. zozzdfrw^ifqTtlT$Harirf,reer+rEqqr sr-qfuErBf,ttqSo-nurtrqdfuoqe+cr sil-d-fi^qtseFrfl:EqI^qnrsil-qq{ott ), ,.'

Mr Rafique Umrani versus India Bulls Housing Finance Ltd. — DRT (2023) — LawSathi Research

¶12

DATE	DESCRIPTION OF THE ORDER	REMARK
	6.eTers?-silT6EIFE e-frf-t {lqg{ flqrcrR-deTrtflRiroro.or.2o22d 3iltifudfrti^qdtg^qrfu-orrtgoo-Gtt $ir^{ft-f,qerqrfrri qrifr.qt"r} 7.GTr-nq-6^rrfrgrrfuoqeTqrerfiqq^g eTfusenfo-qr.rfltfu3lff.u'wTo1 g-{-qdo1q++dffid o-idfu{rfrertcr fiimn.01.2022^qrfudfu-fl^rrqTtr GTrtrq-orruro\s-mor-tqroTEr{o'fi^q-€t gsil,efut-6teTrc-SEm6of^qrqrqa {S^?frgs+f,erffit tenrilsc frqrQrT sftfusKorrr$d{^qrHrilEl-{orfuqr qr}.nIgSonurer-tef,qeflt+sfu{fld GiEqorfif,,*.,61fuqrr B.srril{oseTo-reilteTfuf,el-cto1+S frsrr-il{6^qeTo1snfuqso-[ffi22.06.2022 ?Dr5r=rg3[r,il@'rf,sTrtcrofgqlFrdqfr ylwq-E	fun=*22.1i.2022oier-ilqq c-qd fu-qrrqr,u\2s.11.2022o1en'+6q 01 cfrfrftutwg$,dq0s.12.2022o<sup>qatrf,{ur trqf,flfrqr^rTqTtgSsTrrr[r^q-{2Bsfrq-fl dft-f,qolaqrfrri^qrtorsrgrEfu-qr .rqrtt
	e.sf,t-qrfrffiqriteTrd6Rre-qf, frriTnwfl-sd^qrtqqt{floTti{qoT mqfu-qr^.rqrt tfutEToreTrqntfu sr-a-c-ocatuqfuqrEe-}eil'Tfrritr^qr trrrrEnq6-{it-go'rfts-qm^.61fo-wrfr B-f,i-qrfrr4RTr^gnrtflret$srp-il-s{frqT .rqr,qfusr-nEocaoielrrr14s{Sffiy€ otolffiorclEnffi frevqtqt

¶16

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	e?FTcr{d^qtqqtiR-dfu-qr^rrqr,fu-S^qR qrqfifuflqrq,ilqfiR-aio'22.06.2022q\l fl-{*i tn-oraoil-ivrof^qfrsrqo-r srrilqqwgdrn-{to-rc-q[s^q-Stfuqrrqrt E-{fu^qmfiqwkrir^qrfl-dqdfrtfrdqr dc-mTcrio-msrg^rrarqrftdcc-arf,fuiro 2s.0s.2022t^qqfErGrfuft{qd^qnqrqq.il-fr E\Td^eltsfrcilrrrNwrqf,orfffi\ri s-6wrfrwflfr,tufiorergtufo-qr^rrqr Br
	'ro.ildd+r{sTril{+.ceTat{ t qIT+qBEKTTI qtqtdq dqTu-{EtdiesTg. on$.ern 13s3o-+ffid.s ffiH w\ry.0.o.rffirrti qqsral \fl.1o.ll.l erets\fudMft{1ors.oz.ezoidqFfu ordgvfuoqer,n3il-ilfi^qqft-qxovi {IIIirsfl-{ilryfuorqio-r 3r-5iqfuqT .rqrttwrerfrSgEEroqqIT+qilEzlcrrl qfqIFl{I gr*rft-$Tn frcIIfrfrr+orrErNqr rgol+a<sqroTrifiorfurn-+qqfrri qrtoroi-g-tq fu-qr.rqrt'l
	11.EE-dffif,B-m-{qrftrqqerrdEM qmftqsqf,qRrrqTcrrrdqprqeiil (zotz<br>svfrqotd dfrsrszrfit{ t+trosr-6 ffra^qfrfudorfrtsndm, nvsnqq$ o)d<FfdoGgVa-drq^,rfltoferq ft-nqWci-sBnirnqofcRfufutot tqrqtTGFD{frqqerqrsnilfio-rfrrp-rur fu-qr^q-flqrqo1.ifltI{SEffir t qrc?F{urttgvft-owo1eTcrftd qrior {-dqs!@6-xqtqrsn-nsfoo.nt

¶20

DATE	DESCRIPTIONOFTHE ORDER ^il	REMARK
	12.^{ql=lfiqgqc .illqldq gl-{} 6 .fr.fr.+rz^qt{SRatdctkffi 15
	ftft&fus-{e-frqO. tsr$d^qqAn
	fr--q-rf,cffi fu-fl^rrirB01Tsfril 3Tfufrqqa1sncfuEfl-irrdqdffioxo) errrFdd^tnR-frttgSo-nqsrm3Tqt{r 3TEftqqt^qeqrqETrfuf,tfufuflqtu-qo srrilqc,sTfi-dGil-t{qftrwwftfl^qrhr I .r:-dfrf+t$cmsRToilcfuc v6rfi'r$d, ds-q^qm+q@rdrr^qrq[dqd^g.q-t-fr qFtdqTq-{Era+trorYrtT6tq{rBfu cflsTia-{f,ceT^gr-{Iqrfufirrgooritg.n fudqE-qrrrfrttniercrfrrn^qdfuaor+r rrqro.xqfidq-q+oBt
	13.(q,i@iy/2)fuf,r<rqffirrvgr gMqrRd etrtcrqT or-q-fr{q?Rt srrrTqrort fuvrlifuf,^qffigxrEfrcfleiorrilfi u-q(*id^qrqrogrqr$&nEsErfr fu-qr.Tqr,fuflf,rsdssil-tilato.F-sor-g qfu-fl.rqrt sie+o0.8.03.2021ot Sflr$^{tg.ngdfo-qr.rqr}	+EHil-ftfl ++a^qFNrl-€fGrrfl,sflor$Ttrr{ cffirq d^qrunrtc-ft'rcrqoa
	14.sresTlt{6^qadsri{frfreflrtqro-r fl-{*ior"fro.rqqEcrtfl^.rqrB,vsd

¶25

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	3i-Jqn 22.06.2022 qqgq?D' oT$tfuo^sTrEErsfuqI^{Tqr,ilsd 3r-q{qfr} 3il-n{ficeT^{zn}qfl3il-isro-r}fl=lfril^qrcl qrnTr,dzz.oa.zozzt^qRsqqfiqro1 rrur{rofqrqd+sfu+q+3i(i3laltf,oz srrr<T.2022d?Fsfl^3Ttrfi-tuTd^gqers-m sTrtcroioTlsifudfrtn^qfifu^urh-au-qo o-{iof^qrqfril^eft1^qPqofTdrqlfr 2o1edfrqq^{itqqi<TgTBft-{qo\Rrlorfl} +iat^{qirfiqBzrcrq qFIIErq}ilI^fu{iRil ofT$^{qrqensft28.05.2022olqqrwd} g+tefi,fu-gues-s-{urfuim^os.tz.zozzd u-qofu-w^.rqrt,d^oaertrwzozzd crq-ddrdrl.r{tzokqs^qqrorl+o< E3Tr^{B,s-terqrfttt qriorot${dvq{o} enqR{rsTEq,fu-g^gsfrvo^n3il-ilel-f, qaiot$ddq-q+os$ourrfrftqtB,
	q\qg?D6trt-qttfusm-{qrfr€{ent sTrr$dlr^q{frqfu{-(d^qqqno-lriINI ftqr^qt{6t^ar,{fl^{oe-r-{6 o1vorqrfrca} twEwtronfuqrtG^g*toeFIqt fqrqrflo-qior^{erqot{enqn rfrc-€tt t}
	15.oTr-icr^q,teqrFl<r^{cfrftfrqIKo-{iq} ftqiozz.tt.zozzI^{25.11.20226 qtaofio}
	gsTI{fiFIdlF-fl-f,frqr wq,^c-ctftdrFrrl rrofu+s^tnrt+oqtres^fudqaleffir o-Gor$r$ onurfr^sFtdc-€tt^t
	'16.ilddd}tTcailt{fi^qHo'I^r15o-r+t fuoTff<o^qeri ffi qaqrftqtoze.tt.
	zozzdg-qtfrftqTB,d^q-efr^ffi
	o.rffifrq-f,dr-$t,rcfi^qtr+ttu)

¶29

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	qrSflGrkfi-rqdfuflro.-firt,fu-{ oTd-c-6^qeTd$Iildt^qEfid^s6rrdrS B,o-nq o1 n-qflqds^{dsTIErRqrq</sup> sgrirf,rr{ffif,d^g+1B,^{s-sw gerod} fu4-isrlT€tt,d'^csqrd-{ffffi 6r-ffio\g+frtitg^Eer,rqfury frqn"fqdi^qtT{ofcRfuftqf^wfuqn frrqr^qrso-ort^t 11.{flfl{6tfid^?Frrdg6^qf6ovm ofsfrtu-gof{dq^{errllurtct3ir{}.} 248s/2o22friroog.tz.2o22^qI12.12.2022 alffiorifrtn^qrior^ot$gfuasrMN sr-nq-6^qeTvrre* *wol^I 18.^gcqRRcTffitn^{sr-n<oqsdtqrflftq} tsEkrq^qI-qI?FIdsri-ffi^qffiEq16^tgsz q.e[r$.g[R.13s3 o+ffi+-s on=fil{Fr\ti erq fur'a^gq.\ryI.d^o.rffisi 3rqtreqr€tffit
	ffic aTia-<q gqfrTwfuqr 19.sFIFrd.q^trqa 24Bs/2011^sTIETFtr{qri qrortt
	20.^g*IT{dt^erqwedTrr^tot sil-a-{6^rTflgr{trqd^qdq-o-{ulffi qq-fl ft{1oza.tt.zozzd^{g-+frtid frYqtf} ffi Frffi6frwad^{qrid oxq} qrfiT$sEl-rrf,Iso:^qqfuodtg+tt^qs ftrdrE-crffi^{{rqg{grgrcrkd3il-Asl} ftqioto.ot.zozzd^{3Tleift-dfroiqdtg} zTfi^.ds6rq-dl^{erqfusrtraB t}

¶33

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	21.Eq^{qRtulilqlq 3Tl-{qtD qcTiD'I3Il{H} {fl^{erDwr+iu-qdri{ilq-qenilete,6.} 817/2023 fuil.D'04.03.2023^3lalqlrerrH onilfien$.g.arolzozgfriro04.03.2023Xul slswffiq c-St{6^qrfrI^qsfrYq^it q5ftqoft+tqrfttofgcfitera-q=if+ qrtqqtsr-il{6cent ils$tsdrqtt,Bt srq ftqldGi{i^garoe-o-rurrqo^fun qriqssTiil<o qero)B-drio1."".	qlrfrt
	22.vmftsoftd^{rneTGrrilq-o ceTgRI} e-Ed^q6eowT^q-qfuqrkdilid^ernrxw X"r^{dvw sr-ifr-qnurfrrqI *i tqMs} qqtflGrBft{qdurotrrcrgsrugSwtw 6-qfoqr^qrortr 23.^qRoffiqddt 24.Grffiq erffiqnm^{q g{[Fd}rsr^qrit c-id) ffi{oTffi S.em.fr^q.c.vsudrs.ra

Mr Rafique Umrani v. India Bulls Housing Finance Ltd.

A compact analysis

Case details

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