Allowed

State Bank of India v. Rajinder Singh

DRT19 Nov 2025OA/1605/2022

Case brief

AI extract

What is this about?

The Debt Recovery Tribunal allowed the bank's application for recovery of an outstanding loan of Rs. 16.00 Lacs advanced to a deceased borrower. The court directed the sale of mortgaged property to recover dues of Rs. 23,22,909.81p plus interest, limiting liability to the estate.

What did the court decide?

Recovery of Rs. 23,22,909.81p with interest @10.60% per annum and costs allowed; Recovery Certificate issued for sale of mortgaged land.

State Bank of India versus Rajinder Singh — Contract and Commercial Disputes | DRT (2025)

¶1

IN THE DEBTS RECOVERY TRIBUNAL-I, CHANDIGARH

¶2

BEFORE: A S NARANG, PRESIDING OFFICER

¶3

OA No: 1605 of 2022 Date of Institution: 01.08.2022 Date of Decision: 19.11.2025

¶4

SBI having its branches all over India and a branch at Kalyan Sukha, District Bathinda, Punjab.

¶5

……..Applicant

¶6

Vs.

¶7

Rajinder Singh s/o Iqbal Singh since deceased represented through his legal heirs:

¶8

1.1 Smt. Jaspal Kaur

¶9

1.2 Mr. Prabhjot Singh

¶10

1.3 Mr. Navjot Singh

¶11

All r/o Village Bhaini, Tehsil and District Bathinda, Punjab.

¶12

……….Defendant

¶13

Advocates

¶14

Sh. Seerat Sharma proxy counsel for Sh. Pankaj Beri, Counsel for the applicant bank. Defendant - ex parte .

¶15

OA for the Recovery of Rs.23,22,909.81p with interest @10.60% per annum with half-yearly rests from 01.08.2022.

¶16

ORDER

¶17

SBI (Bank) has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of Rs.23,22,909.81p with interest against Sh. Rajinder Singh (since deceased and now represented through his Legal heirs) (defendant).

¶18

Bank’s case is that on 01.02.2016, it had granted a loan of Rs.16.00Lacs to defendant in the form of K.C.C Limit for agricultural purpose. To secure the loan, Defendant had mortgaged his land (fully detailed in para No.3A of the application). The loan was chargeable to

¶19

¶20

interest @10.60% per annum with half-yearly rests. The defendant was sent a legal notice on 07.09.2020. On 19.07.2022, a sum of Rs.23,22,909.81p was due from the defendants. Despite repeated requests, defendant did not make the repayment. Hence, this application.

¶21

On 10.10.2022, summons was sent to the defendant by registered post, which was duly served. On 21.11.2023, the legal heirs of the deceased defendant were impleaded and summonses were sent to them which were duly served. However, defendants/LRs did not put in appearance. Vide order dated 05.08.2024, they proceeded was ex parte .

¶22

In order to prove its case, the Bank has placed on record the affidavit of Mr. Vikas Pilare, Authorised Officer along with the loan and security documents and marked them as Exhibit A-1 to A-11.

¶23

I have perused the evidence on the record. I am of the considered view that the Bank has proved its case that it had advanced the loan of Rs.16.00Lacs and on 19.07.2022, a sum of Rs.23,22,909.81p was due. 6. Accordingly, the application of the bank for the recovery of Rs.23,22,909.81p (Rupees Twenty Three Lacs Twenty Two Thousand Nine Hundred Nine and Eighty One Paise Only) with interest @10.60% per annum with half-yearly rests from 01.08.2022, till the date of payment is hereby allowed with costs. The liability of the legal heirs of Deceased Defendant would be limited to the extent of property inherited by them from Rajinder Singh. Bank can recover its dues by the sale of mortgaged land fully detailed in para No.3A of the application.

¶24

Pending IAs, if any, stand disposed of. 8. Recovery Certificate be issued accordingly. 9. Party is directed to appear before Recovery Officer on 24.12.2025,

¶25

who is directed to distribute the sale proceeds of the mortgaged

¶26

¶27

property(ies) and standing crops as per the provisions of Section 19(20AB) of the Act . 10. A Copy of this order along with Recovery Certificate be sent to the Recovery Officer as well as the party. Pronounced in the open Court. (A S Narang) Dated: 19.11.2025 Presiding Officer DRT-1, Chandigarh Amanpreet (Law Researcher)

State Bank of India v. Rajinder Singh

Case brief

What is this about?

What did the court decide?

State Bank of India v. Rajinder Singh

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Statutes considered

Parties & counsel

Coram

Case details

Similar cases

Union Bank of India (Andhra Bank) versus Sh. Jagar @Jaggar Singh @Ujjagar Singh

State Bank of India versus Manjit Kaur

Ms Supreme Briquettes versus Hdfc Bank Ltd.

State Bank of India versus Praveen

Idfc First Bank Ltd. versus Harjeet Singh

Icici Bank Limited versus Raja Ram Mishra