Amit Agrawal v. Punjab National Bank

DRT8 May 2024SA/236/2024

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.

PAGE No

CONTD. ORDER-SHEET

. CASENo

DESCRIPTIONOFTHE ORDER srfrdcr,rsrdfrt-{^qqnfurnd+6Gerq ..236/2024 DATE	REMARK
sl-icr^qeTdftqfrB-@{gqn dTmrerfu{ffirt B-trwrfr o-qior^qqrqtcmi{t-o'd fuqsTffidfu-earqierBq-mrr B-f,aqrfr^qqrqzdrrr{kr+dfuq qtfu(e-q{erfuq-wrr 08.05.20
1.s+Frss{dt3rififi^qar01Giyt trqdfrriTifuf,qerilerra-qqerr$q. 2170/2024d^qreTs-o-{"rofrrfldrdR-S q{Eil.rqrtt
2.Totqorci-{drmqfu-qr^rrqtt
3. B-ffi-qrfrd-ogmTf,cl''d({d^qrrt froqerqrGrfffitnr Eqrqc-qdfu-qrqr To-r^{tI srs-olm-{fu-qrrrqrt}
4. 3Tt-il{o^qflgMRiroze.oz.zozqd tInI17(1)st$ffi\rqe2oo2dqrqqnid eiffi^q-aonA-fic-Krfuf,at T{orffio) GrrrrkrfuqqHofe-drqf,rt-ou-*gdfuqr .rqrtt
s. e-s-{ure-qf,6-iifrSqfuf,qo\sqr fttnvd igyQr6onnfiqrgrsqqiqr olfuftqqftqiozz.os.zozqdEfleilE[{q{ s-qd fuqr.mrtofffi r{afl,s-6Tcrq ftiroog.ot.zoz+vrss-frv{d2oo2o1trmrs (+)derer.f-oe-trrfudetT$sTffiorqr{ t^gssf,{qrfrd-ogm+drft q++norRro +ift-qrfios.oi.2oz4riqrsonqcrr+rgsil

co NTD. ORDER-SHEET

PAGE No

CASE NO

DATE	DESCRIPTION OF THE ORDER t,fus-Sfrq-q^itsTrtr{o^qflgr$ft{16za.oz. 2024de-Ef,^qiFwrt^qra4ft{fle-rlqoq t,srp.r631ft-owtat^Grffs-fiqeTf,q grp11;6NoruoftqkT&t m il{ wrarrandfrq.qnof$^qTTorftTSt, qfroqqffi q{flds-flcri^qrqrFdf, ffi dor^qq-qrBqk.o-rftfreruro-{icgsr oqorlieo^qeTo\rorRrdffi qqcift=iro 0s.01.20240r^q-{{fr2024dcerrrEkn6^il 5t=rE3{Il{qfuor-(-qtEdRrtrdw+og< cil-idr6rqs-qdE-{ifrEtlft-f,qEqrt,
	q\e{qrm.qt ISflontrRtrqftf,qflqr
	eTrilfiffif,r{o{sfiwlolg"rs}sc-Ei qriorGrgtqfo-qrrrqrtt
	6.sfr]-{qrfrA-fidemfuoeflflsil-iEq o-r^qql-qu-qoorigq3il-cfu<do-irfrG tatffi q++rfuiro0s.01.2024+^q-mtsr tiHr61s.02.2024afrqfftdo1T$ffi eTffisq-aS{trerltro^qero\eero
	sqfuAfrwd^q-f,wru-goovtor ot{ ftfuoroc-€ttt
	7.vm-c-qrfrffiof^?16fioilqfutot
	3Ti{<-6damiiuosqfus} sqo.E-fr{-f,r ors-qYqfrtift-{ro-qftri^qrit^s-m cRRQrhvqqg{trsorqrfrt-fiof^gilqk to1df,rriltrErFrorfuqioEtYrfr^qqrfr
	T6rtreri{fi o\sf,{srfr^d-f,at^fuo.-q orffiio<sup>3rrciE-f,o-qioroI$^*nfuoao
	TSt,efto^qRffidraril^{srri{6d spr}
	Ef,-oqefuqt,d^{3rfi{f,vorqrfroqio}
	ztadfr-{-€gfu's olffioqsm-f,tt^I

Amit Agrawal versus Punjab National Bank — DRT (2024) — LawSathi Research

¶13

DATE DESCRIPTIONOFTHE ORDER
grsrrtr-t^q-qfuoqerilsrrifift-{Kfut qriors-gttrm-qrtr
L str{rfr*o-ofGTMfudfriToa"Ttg c-goTf,GTrA-q-qdaedlorci-{drc-{orsrqr qrortfuGnilffiHMstmwn{urgfloaFr dsrprs-Edfrrfl^.rflBofor-il{fitwre
sr.sss-.fft*^{g-c-t-qrfrq,ci,{}zo'nqo+ fr
cd-qofuoq^qaftq;6oa.oa.zottd^qrurqt
ts,oo,ooo/-(r-<Ooru)sqtqfts-dUrr-aF
6-{^q-q6Tsftrgo-nwsrftg,tonfuq-s
ggI3ryfqo.o-rirt{tfl-qo)rqTitqniwq fifu{io20.04.2018t dBgsGn{.m.Gil-$.
m.GTr$d-6+fuim30.08.201eo\vfir
rlqfuo-I Eirrfio-rrqsrqorrrilt,fu-g
Bd{qrfrd'oaxr^q-mTRrf,ffi W+fl^fu-{ os.o1.2oz4tsrr-il{f,Gfirqdsfu-f,{6.rflot
snA-q-+.diffift-sofvwgort+1ftrffi F*qesf,{srfro-qifi3Frqrqfu.rf,
tfuq-dt m^.rixq,Fffl-or vt+lli(ql(
B-d-.4rfr^qqrqzqi[qtrrrfit,ffi tg
trtrrfudt,a-strs^q-sf,roro-rtwGrff{fia<br>
giogsno1 smrqrfrE-qi63ism-.qrft *
o-qior oo,oo,ooo/-({ttsoru)oqio-r ortq^qreiq{+oz,/ysb)H-ooa.oa.zorso)
qerfiorfuqr.rqr,q}fuGililefigm@-q fu-t^qriHrooa.os.zottdcr_qrf,fuqrq-qr
xort,^q-qfuqq-dTd eiTilrf,fi ffiozs
03.2019ofzq^qTqIoa go-rQTrI$seilETt-{

¶18

DATE	DESCRIPT]ONOFTHE ORDER q{Grfil{oARr{fleTkfi-{q$gqqT gtFwr e-qdo-{^qibowarqor^qrfr.r$tt e.sf,t-qrfrilo^gnre-qdfui^.riq-+rs d^qnqq*ena-rc o-rfui\ErordgvGrqfu dorrft^.T-$t01Merq-qrdtrsdri{ d sIfrIIEId WIeItN 462/\qdf{En-f,rzoo^qrmd6<sup>qerfio-{ o1oo,oo,ooo/-(fltddr-s)vrto-rf,q-fu{r, wqfuGTrt{fidcaiiscrqrfr^qqtr.z
	drlrrkl+d^gmfuqiooa.os.zorzo)s-w Hqfuft-o--qfuqr^qFrr0-6r^qrort,d6[ 3irnEq^qis-mHqfu^qqot{ss^qrwrS cldrtr
	10.sf,.qrfrceTof3Trqfuto1ft-qiozz o3.2o1sts-mHqfuB-m-gqrfrt-{dGtft{
	dErf,tIEHoxqddrdrs-msqfuw crqrflq-fffu€-q Hqcrlq6l( tfrfufrEEr sif,R-dc-€tgurBtE-s^q<{qsf,rqrfrt-o. dsxr^qmfi-qS.enq. .a.ftdd rsfr^gtsf,rf{s-€^qa1t-o.^qtierqzorr^(r)
	HsdrilzstI^qrrqqt^eryr48^qqfu 6Klfcltul 3rBftqqd^{qrqETn</sup>a*iqffidfrtqr .rqrtt}
	11.s-mrqrfrt-f,etGilcfutete-{flrfuf, atT$ffi^q1ffiq{vtrI^qEftR-{i6 1s.02.2024o\z+,oo,ooo7-(ztamoro)vq$ itfdo-qo1qr g+ttt
	12.sf,rqrfrseTo-r16fioel-ctot {mf,:^{uqd.wrcfu{i627.03.2015t}

¶23

DATE	DESCRIPTIONOFTHE ORDER
	sf,q-qrfrt-f,derff{dsrfit'^gs{S^qqfu de-oqrqrosf,rqrfr@\rq2gt<^eru-+ro srrrsrqat^.r$fr.fr.frft-cft-ffiq^HEETf,I Bo,oo,ooo/-(3i-Sdtq)$-Tndeiffi^s-m
	Hqfuw^tierf,qq[rfuirfi2s.03.201e^o-] ftffi'kdftqr^rrqrtr^{g{snqRiq{Grtiq-o.} orEGrsmsqfu^qrfrFdc*td^sTIqR q{ 3il-i{fiat"dfi-s""ff+Otigvu-o-r't frffifrr$^qrior^er-jttrfu-qr^rrqrt^t
	'r3.qoaofuaq&Iqrfrtiqfior^q{{ B,d^qaftffiedtet^Glriq-o.GTkdeqri orqtficrsf,{qrfrd-o^gssorqrfroqiozt +d$qEguqw,raFI6N-^qffiFnrfrt, erarff,tfierErisq^gstrd orErtrTortgq str-{qrfr+nofolffi tso,@\fi.kir
	c-q-eo-GEg^qrrrz(r)w*Sffi^g+ezoozd
	eiodo^qeq-f,rurc-qd fuqrt,oqvorqrfr t-rofoTffio.rEr=rctifuirf,t^qrs onq of^l1u[qrffi^qrifrtqBI
	14.3rrteoceiof sirtngofrri^.rd
	cTffit(-i@r/4)dwtnorRro
	ffi g+rrfuiro0s.01.2024dI^qftfidrq
	t,ffiTqcIo-rtqr^qrq,o\ftirozz.oz.
	2024dqf,qHrrarc-61-{d^qerfirgid ftl
	e-m-{ur^q-qdo.-{iof^qqqfrq1^.rq-{d.qt,
	fu-dGrrl<-oin-o*ercrer-f{atioem
	frrfitof^qqqrqfrzoz+dcemswroil
	Hrqrrfuadorvmsqfuorftfterq o-ri
	qiqr,a-q3rneoe)ffi Uqil^o-rfl-{
	gertsswerfuTqrflo-Eior6l$onurrfr
	+ orQifd w6r tl.h dfu^er-d xuT

¶28

DATE qr$dfrs'qtsrrqftffo.Ts$rt,Eg+ft 2014tTqqrfrrqt,aqfuim28.02.2024d Ttgdfu-fl^rrqte?D'wIgurdscTEt^qrt +qtl 15.SErsSrT3il-nC-O^rTHEnrC-qdft-dq enqroTrtfien-{s^qqlErolftfrqq$,ooo/- (qqerqn)t-cicfuqqdsrprffioRfrrqr qrotttsTrtfrf,cfuqqtrRrtfrs,oool- $-q^{ErqR)vrri6.sTx.fr eRqffigro-lsfr} gsro,oool-(<s6qn)FTSqen;T{* s6r.rdTatstonrffiroordft{fldoiEs qqro-rta1YrdwerteoErrttrqf,ftrf,q Hqr3Tl-tfiefl-{.q.zrzorl2024ffi.DI-{o-sigq e-f,{urn-Ed^qtrit$Trft-mqsqrfu-qr^qror tr DESCRIPTIONOFTHE ORDER
16.erqvorqrfrt-6ofstri*SflstFwl of^.:rqq-drq{GTQrfdGlrdq-o.of^eTMr(t)
e{+frv{e2oo2dotr(no-c'rtrqf, sr-i u,1lqgfitfuq-dw^g-orft.I-{urvfuor ft{rf,{"rfu-qr^qrratt
17.sm-.qrfrt-od^gnrTf,urnqq6
qqrsdqrtqqtqriFmfrBtrGrMfud o-{Ifr T$taf3lr}eo.^Ehtdtrfr^qqfuw ofiAqEo^gqEErsrwr€ttIsr+{f,i sf,rqrfr+f,dor$-{ftiro-zz.og.zorst cirr-osqfua\fu-{04.08.2017do-qftqt tt^gsonq^errtelf,o'r^Eiq-osqfu^qtEfi
G^{w-s3ffi4r€tgunt tgs'eilErRq{}
c-m-wrWsls^q{!F^qfid-q^qdi^ot
oilqfud.r{tt

¶40

DATE	DESCRIPTIONOFTHE ORDER -4-fi-wurofftE20.03.201sqffiottgS (trrnqfigsooqioswsorqrfrt-6d qeTfrfuiro.2l.os.2o1sqngt<errqrao<br>s-il{of^.dfr-ffiqsgFtf,T 6o,oo,oool-(srd f,r-{s)FT}ds<dt^q,nfrr}^{,rn(trrs-q</sup> or^qufqt,ffi Yfrrqdt-f,fisfu{ro.}
	07.11.20133rTTfrdfrFfiqdl_sfuirfi
	07.11.2013d^qgnqqrq{RIdqqrae,zrd qleiqr+az/\FTsdtdq.notrqrdqd
	et{s-d12oo^qrifietr{qfudt tw*Tfr
	fudnr tt+lcl6tSt ^qro-tarrd-dTEfEeqx oryrtn-f,,ffitqrsrq-qm,gft-oeu-+rad
	qFrqrftqlF{f, fuoqqefrqiooz.fi.zors ofurqr^qfr.ftrid'{t,ftrr{d^qraqteq-fi
	{Fr^wreT^{qo-se.qtr.+az/yoTe)Ts-e.} *
	12oo^qrihtdfu6-q{re-trrfuf,t,erqto
	ffi{d T swB-m-wrfrt-fidsrtft{
	sowrfrgt-<eu-+rao) frnTid-fldR-e ffiqtg-fl-mfidcr$-{ftqip.zz.oa.zorst
	nrq^tiqoe}crsffiorffi t^q-flqrortt A-fl-.rqd^qeTt ffia^qs1-ftd3fr.5'd-q trs-orqrfrt-{d^qqTdM{d^qrqGierf,
	orfuwrqMeu-qrdit-sdr$-{Gt€T
	Gmqrd6\frT{ffiqsarirf,Itgffia
	ftri uri+^qqBo3Tffiswqrs'dgE
	6qio6s^qqso.ct,^{q</sup>furi6zs.os.zorsot}
	qfrfto<qfdTt,ftrgs-mrrqkwgi-q
	oflr-.ndaiki^.rtx"rdfrs-qfrfoffi^zz.
	03.2015tsm{qrfr^qqrqtqn-d^d-od^qeTt qnq.iq-6qfrl-a en, oratif,sm-qqrftt-oo1

¶50

DATE	DESCRIPTIONOFTHE ORDER rqdfuirtGTkq-{i\ti^(trtilqio-r^qfte{ur o-{^q6t+rikdfu-qr^qrrdrtof^"eqrGri(fi qeTdtrrqdq-m{qgserko<vtfrg"Tds qiEiqlifr.q t",orerqrqtr6r{ qtqtdq o1ffior qmsvqqfrelorfrrdqd fr.qtr
	24.^tielosqdf,{dRfr^{"E1qryq"q;Igm'}
	q-o-RtIusw<*1gqRr58g r{qk E{TCITUI srBfuqqtA r$^qfuTrsItd^qr so.-ftt^{qti"mortgaged}bydespoitoftitle deed^cfrtiuoorww$",ftmd^qrtqqt zut^qkAT{rioel-qrvsdsTMe) aqofE{entgerqa^qrqfudrssrlq{fr (trlilqqqroaqtr-f,yfu-f,o-rortq\qm s8 (gF)EqfuEKtilqsrDfuHt^qfuTrka tr
	2s.^etr{T48^qqfuEwiil{qffiftqq16
	qrqqrF-f,o-rort01qRvfifr3r-flf,HEqfu
	rr-rvfiteTk6 qN,orftmr-rqfuf,fu-qr rqT B,dr^gowrqt^gfiHIerffiq rfit, a-eqdgfuo un^qQ-{f,rvqort^qsdfi01 Gralarerge-+rldrr
	26.sq-$fffrkfi fuft dstF'rcTd
	qft-{q-{ gq n*qtorcfrHorot&qriw
	qFrrqrf,ItfuB-m-t-qrftt-+.dE-dtgf< GuqTerddsrf, 01GHqfu",6.fro< s6df,rffitg1sflrtn-dorcfr^gsgfr-d
	ourrilctorfrort,d^grrftdTnaqo1
	g-iflrtft{16zz.os.zotsdrs-m^qqkot

¶55

DATE	DESCRIPTIONOFTHE ORDER srTl-sud3frsd-qfisB-f,{qrfrt-od 3rff{^qqrtR{HTqrerr-6yfu-dfu-qr.rfl'q sffiHqfu^q{errtil-dit-sdrg-{gs tqr sfllrnTTdcq_qrf,q-ffuqHrfaFtdno)^lfr ftqiozs.os.2o1eo)^qrR'dfu-qrrqrI	REMARK
	27.3rd-ffdceTnFrqrF{a f+o-q^qa (\i=wig,/1)ft-{ioo4.oa.2o1t+sdfuf,tl zrqBvffifuo-qqagfqg*qrcrrErEir: \ti^Grq-frcHtq^erqtrlerof^oqwdsg srgfr-oGutrrd$lnp{-rnqftqrkdftrqr .rqrtftmdffqqtddrsrft-aorq-qr-da<br>s-m Tws462/\tRardg6r-qo"qtord T^{qu-syqu-oa\drs-sri$qs gan, row} ft-f,qof^.r$Btei.rff,TEworot$ein ft-o-'qr€tfu-qr^.rqr*t
	28.fi-sor^q-dte1^qqHqfudwm gtqgq"srqqrd,ffi tsT3trFriotvq gft-oeu-oradug-frtrqcR-qT(dgfusT gtqgqxsurr-ddgm tiqosqfuor f+aq^q-aftqiooz.rr.zorao{ilfl:fucrfud ocsqoie)-au-dtzoo^qrfqted¹uo-sw Rirozz.og.zorstsff-qrfrod^qad qrr-fiyfu-f,fu-qrqrgorw,q"gmw" or ssqt,aqfuddr^qeTo<sup>qrr-fiqt-q-{ATd rrr{r 48sqfuawiffiqsrfuF-{qdnorert sweqfiuqfu61ftffierqd^qati frfuow ter-dr"ro-r6m'T€ten,Grarid qqfudHffigt-<eru-+radgxrcRil-rd gfuqToftftr{dvorqrfrf*.dceTfr ffif, qer6fuiro27.os.zo1sqer{pq1 frEsrroftqrfi^qtrqqlqrqrortyq ,1l)K--

¶59

DESCRIPTIONOFTHE ORDER oTrilq-od^qsfrffif, qrqrils-fffuo-qqa dentmw^tierfiqqfuqrGTttEoo.TEEI Ts^{ErB-ssrrrqfisfrfr-qo vIFI<doT} d__sd^qrtqq*ftqvifiqtl DATE
2s.Gil.dq-osHo-r^q-6Tdffi m.qt +tvcrqrfrt-{dceT^ilftqfuo^tiqo Grfiq-o^qerdfuo-qwrartrandfut.-€^qft{dr rsort^yssrileocelo)w-4-ilq-fffrq-q fiqd{qEt( t^qelfisqfu wftfuoEfisrq T€ttI{fla-do<sup>qmfiq$.erx.q.E.ffi Elrrrsfi^rgls-dlff{-€ {+'l+osffi2022 111ff^qf,azsztco^fto-ort^r
30.^qRGTr-n{fi^qfr6r^rieror{qfus-r qq-nyfu-adtA5dtu-tuercvffetffi+o rssgsE6ftFd*mgstdilgqfud fds-qs-ffi-{rfrt-osramffiqdTeTId^grr rlr{r13(+)erer+^qrrt14^qrsffigqezoozd eia-troaq^qqdroTffirwrfudo1T$ drfr,e-cerqrq^e[ilq-f,qq-{$qfuorcsrc
gqqrssrffiEtidGTIEr-twfrBo
qka1MfrqFrrqrflI,fo-gu-eGId-q-6
o.rEGrffi{dB,B-m-t-qrfrd-odceTt
gfuo.iuo$-{fft,aq cr-iE6vf,wrfri-o.
gxrqtroqqfudfrrqnqr{13(4)
qi4ffi\r{e2oo2Aqrqqn\dff( g-wlfuf,
sfiT$frB sqooTffidor$-{nBd
ffi Wtrfl^{ft-{ioos.o1.zo246 ftv<q} ftk(ekat tfu{f,r€lrqor^qdoll-a-{o.
ot^qnrtOlri$ffiv{d2oo2dffE
s-molffi dgiffttiorfrfuoao (Firm-s)^qrwT€ttt

¶64

DATE	DESCRIPTIONOFTHE ORDER	REMARK
	31.Ser-FfS-qsiri(tD.CeTHMs-qf,3fl-ilfi cld-<-oo)^qo-{qeTF-dffidm-qiorfrfuo Eo.^qdridernm^qrfr{Kfu-qr^qrort't
	32.Vflr^get3iltr?n-3lqfl^qqqrqottt
	33.^qftq-rqd fuq1^qtc5ry6{ur Grffi€Fnitgifttrrqrs.ErI (vm q-td) 0-or$-ftIffi S.ent.O(r.u.^yquffis'ra)

Amit Agrawal v. Punjab National Bank

A compact analysis

Case details

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A compact analysis

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