This is a correction order where the Debts Recovery Tribunal rectified a final order by adding an erroneously omitted liability of Rs.1,52,875.70 with interest, directing the court master to amend the original judgment dated 10.07.2025.
Corrected the final order to include the omitted liability of Rs.1,52,875.70 with interest and directed amendment of the original order.
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.
5
DEBTS RECOVERY TRIBUNAL-I, CHANDIGARH
OA/1561/2022
HDFC Bank Limited
Vs.
Gurpreet Singh and others
23.07.2025
ItemNo.73
File taken up today. It has been brought to my notice that in the final order dated 10.07.2025, disposing off the OA, the liability of Rs.1,52,875.70,with interest @13% per annum with half-yearly rests was inadvertently omitted in the Para no. 6 of the final order dated 10.07.2025.
Accordingly, the same is hereby corrected. The Court master is directed ,/_ to make the necessary correction in the original final order dated 10.07.2025.
Pres1 mg DRT-1, Chandigarh
IN THE DEBTS RECOVERY TRIBUNAL-I, CHANDIGARH
BEFORE: A S NARANG, PRESIDING OFFICER
OA No: 1561/2022 Date of Institution: 26.07.2022 Date of Decision: 10.07.2025
HDFC Bank Limited having its branches all over India and a branch at Zira Branch, District Ferozepur, Punjab.
. Applicant
Vs.
·······..Defendants
Advocates
Sh. Abhinav Singla proxy counsel for Sh. Ankur Jindal, Counsel for the applicant bank.
Defendants- ex parte vide order dated 08.07.2025.
OA for the Recovery of Rs.32,04,758.36p with interest from 26.07.2022.
ORDER
(
the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery ofRs.32,04, 758.36p with interest against Sh. Gurpreet Singh and others (defendants).
2 2. Bank's case is that on 14.07.2015, it had granted a Term Loan of Rs.10.00 Lacs and a K.C.C. Facility ofRs.20.00 Lacs to defendant Nos. I and 2 for agricultural purpose. Further on 29.06.2020, it had granted a loan ofRs.1,15,410/- under RBIPs COVID-19 regulatory package to defendant No. I. To secure the loan, Defendant Nos. I and 2 had mortgaged their land (fully detailed in para No.3A of the application). Defendant No.3 stood as guarantor. The loans were chargeable to different rates of interest. On 05.03.2022, a total sum ofRs.32,04,758.36p was due from the defendants. Despite repeated requests, defendants did not make the repayment. Hence, gy this application. ft//j ~ .,-f fl'', r J g.:!J • 1p.O 3. On 18.08.2022, summonses were sent to the defendants by f . . g; 'irl i dfJ. r)IYI rfcJ!fl O"_ 6 J registered post, which were duly served. However, defendants did not put ~~ P"r.tf'~~ 5 in appearance. Vide order dated 08.07.2025, they were proceeded ex parte. ' JL a 1 ,, 1 -f4' J r<> rUY l 4' J v 4. In order to prove its case, the Bank has placed on record the wd" v,) ~r,f r JL"'r) affidavit of Mrs. Pooja Arora, Authorized Officer along with the loan and 'wilil:1 _ ffV ,iecurity documents and marked them as Exhibit A-1 to A-22. ' '' ·~ 91 fol 6' r pD, /t "~J¢ ,~1 f'bi' J)· I have perused the evidence on the record. I am of the considered h & wh r Jilf-9.J rP r·~ view that the Bank has proved its case that it had advanced the loans under r ~ ti u r/1 .QJ/-5 ~ u'fl ,J{ r various schemes and on 05.03.2022, a sum of Rs.32,04,758.36p was due. . '{tlbl. II A,-/ 2A r> %3 6. Accordingly, the application of the bank for the recovery of Rs.32,04,758.36p (Rupees Thirty Two Lacs Four Thousand Seven ¼ Hundred Fifty Eight and Paise Thirty Six Only)i.e. Rs.22,85,779/- with interest @11 % per annum with half-yearly rests in the CC Account and Rs.7,66,103.66p with interest @13% per annum with half-yearly rests from 26.07.2022, tiII the date of payment is hereby allowed with costs. The liability of Legal Heirs of Defendant No.2 would be limited to the extent of the property inherited by them from Sh. Harjinder Singh (now deceased). Bank can recover its dues by the sale of mortgaged land fully
| deta mov |
3 iledinparaNo.3Aofthe application aswellasfromthepersonal ableandimmovableproperty(ies)ofthedefendantNo.Iand3. |
|---|---|
| 7. | PendingIAs,ifany,standdisposedof. |
| 8. | RecoveryCertificatebeissuedaccordingly. |
| 9. 18.0 mort AB) 10. Reco |
PartiesaredirectedtoappearbeforeRecoveryOfficeron **8.2025, **whoisdirectedto distributethesaleproceedsofthe gagedlandandstandingcropsaspertheprovisionsofSection19(20- oftheAct. ACopyofthisorderalong withRecoveryCertificatebesent tothe I veryOfficeraswell astheparties. |
| Prono Dated: MANOIKALR |
uncedintheopenCourt. 10.07.2025 A 1cer D **-, ** **iga:rh ** |
2 issues framed by the court
Whether the applicant bank's claim for recovery of debt along with interest is supported by evidence.
Whether the correct quantum of liability including an omitted interest component needs rectification.
1 provisions across 1 enactments
HDFC Bank Limited
Gurpreet Singh
Harjinder Singh (deceased) Legal Heirs
Kuldeep Singh
A S Narang
As recorded by the court registry
2 orders share this CNR
Judgements on the same questions, provisions and authorities, from every court
