OA; Acknowledgement of debt-cum-revival letter, which is Annexure A15 to this OA; Revival Letter dated 26.03.2019, which is Annexure A16 to this OA; Acknowledgement of debt-cum-revival letter dated 27.04.2022, which is Annexure A17 to this OA; Loan Recall Notice dated 22.11.2021 along with postal receipts, which is Annexure A19 to this OA; Notice to guarantor dated 16.03.2022 along with postal receipt, which is Annexure A20 to this OA; Statements of Accounts and Certificate under Bankers Book’s Evidence Act, which are Annexures A21 to A23 to this OA. 5. The loan accounts became irregular and were classified as NPA and after adjusting debit and credit entries in loan accounts there was a debit of Rs.21,07,805/-, which is recoverable and the defendants were served recall notices but they did not repay the outstanding amount, therefore, the applicant bank requested to accept the application and to issue Recovery Certificate accordingly. 6. The defendants were served notices to appear before this Tribunal but no one appeared on behalf of defendants and they were proceeded ex-parte on 13.02.2024. 7. In support of the OA, affidavit of Sh. Sumit Ganesham, Branch Head, IDBI Bank Limited h as been filed. 8. Heard ex-parte arguments and perused record. 9. It was argued by learned proxy counsel that in view of the documentary evidence brought on record which had gone unrebutted, the applicant bank had proved its case. From the perusal of all the Annexures A1 to A23 to this OA, it is proved that the defendants approached applicant bank for availing of the loan facilities which were granted to them and for that they had executed all the relevant documents in favour of the bank. The defendants failed to pay back the loan as per terms and conditions of the agreement between the parties. Subsequently, accounts of the defendants were classified as NPA. From the documentary evidence brought on record, it is proved
