Application vide Power of Attorney dated 16.12.2020, which is Annexure A1 to this OA. 2. The brief facts of the OA are that the defendant had approached the applicant bank for the grant of KGC Limit of Rs.8.40 Lacs and Term Loan of Rs.2.00 Lacs vide Loan Application dated 01.11.2013, which is Annexure A2 to this OA. Thereafter, defendant had approached the applicant bank for the restructure of KGC Limit into two term loan accounts. 3. The applicant Bank sanctioned KGC Limit of Rs.8.40 Lacs and Term Loan of Rs.2.00 Lacs vide Sanction Letters dated 05.11.2013, which are Annexures A3 and A4 to this OA and the terms and conditions were duly accepted by the defendant on 06.11.2013. Later the applicant bank restructured the KGC Limit by converting into Term Loan-I of Rs.8,72,728.15p and Term Loan-II of Rs.8,49,561.75p 4. Defendant had mortgaged his immovable properties i.e. total land measuring 24 Kanal situated at Village Ina Kherha, Tehsil Malout and District Shri Muktsar Sahib , Punjab vide Registered Mortgage deed bearing Vasika No.3431 dated 11.11.2013 along with its translation, which is Annexure A5 to this OA and Confirmation of Lien/Charge by Advocate dated 15.11.2013, w hich is Annexure A6 to this OA. Documents executed:- Agreement for cash credit facility, Demand Promissory notes, Letters of continuity with Demand Promissory note, Agreement cum Hypothecation for Term Loan all dated 20.11.2013, which are Annexures A7 to A12 to this OA; Statements of Accounts along with Certificate of computer application and data, which are Annexures A13 to A17 to this OA and Legal notice of final demand dated 01.06.2022 along with postal receipt, which are Annexures A18 and A19 to this OA. 5. The loan accounts became irregular and were classified as NPA and after adjusting debit and credit entries in loan all the accounts
