Allowed

Canara Bank v. Kuljinder Kaur

DRT20 Aug 2025OA/2107/2022

Case brief

AI extract

What is this about?

The Debts Recovery Tribunal allowed Canara Bank's application under Section 19 of the RDB Act for recovery of Rs. 30,93,212/- with interest against the borrower and guarantor. The court directed the sale of mortgaged land and other properties to recover dues and issued a Recovery Certificate.

What did the court decide?

Application allowed for recovery of Rs. 30,93,212/- with interest; Recovery Certificate issued; Recovery Officer appointed to distribute sale proceeds of mortgaged land.

Canara Bank versus Kuljinder Kaur — Banking and Recovery | DRT (2025)

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IN THE DEBTS RECOVERY TRIBUNAL-I, CHANDIGARH

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BEFORE: A S NARANG, PRESIDING OFFICER

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OA No: 2107/2022 Date of Institution: 19.10.2022 Date of Decision: 20.08.2025

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Canara Bank having its branches all over India and a branch at Village Pandorikhas, Tehsil Nakodar, District Jalandhar, Punjab.

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……..Applicant Vs.

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Kuljinder Kaur d/o Sh. Sukhwinder Singh, r/o Village Kangna, Tehsil Nakodar, District Jalandhar, Punjab.

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Vardeep Singh s/o Sh. Nirmal Singh, r/o Village Kangna, Tehsil Nakodar, District Jalandhar, Punjab.

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……….Defendants

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Advocates

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Sh. Randeep Singh through VC, Counsel for the applicant bank. Defendants - ex parte vide order dated 01.12.2023 .

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OA for the Recovery of Rs.30,93,212/- with interest @7.65% per annum with half-yearly rests from 19.10.2022.

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ORDER

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Canara Bank has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of Rs.30,93,212/- with interest against Smt. Kuljinder Kaur and others (defendants).

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Bank’s case is that on 24.12.2019, it had granted a loan of Rs.23.00 Lacs to defendant No. 1 in the form of K.C.C Limit for agricultural purpose. To secure the loan, Defendant No.1 had mortgaged her land (fully detailed in para No.3A of the application). Defendant No.2 stood as guarantor. The loan was chargeable to interest @7.65% per annum with half-yearly rests. On 31.08.2022, a sum of Rs.30,93,212/- was due from the defendants. Despite repeated requests, defendants did not make the repayment. Hence, this application.

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3. On 29.11.2022, summonses were sent to the defendants by registered post, which were duly served. However, defendants did not put in appearance. Vide order dated 01.12.2023, they were proceeded_ex parte_.
4. In order to prove its case, the Bank has placed on record the affidavit of Sh. Shekhar Kumar, Manager along with the loan and security documents and marked them as Exhibit A-1 to A-11.
5. 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.23.00 Lacs and on 31.08.2022, a sum of Rs.30,93,212/- was due.
6. Accordingly, the application of the bank for the recovery of
Rs.30,93,212/- (Rupees Thirty Lacs Ninety Three Thousand Two Hundred Twelve Only) with interest @7.65% per annum with half-yearly rests from 19.10.2022, till the date of payment is hereby allowed with costs. The liability of both the defendants would be joint and several. Bank can recover its dues by the sale of mortgaged land fully detailed in para No.3A of the application as well as from the personal movable and immovable property(ies) of the defendants.
7. Pending IAs, if any, stand disposed of.
8. Recovery Certificate be issued accordingly.
9. Parties are directed to appear before Recovery Officer on
29.09.2025,who is directed to distribute the sale proceeds of the
mortgaged land and standing crops as per the provisions of Section 19(20- AB) of the Act.
10. A Copy of this order along with Recovery Certificate be sent to the Recovery Officer as well as the parties.
Pronounced in the open Court. (A S Narang) Dated: 20.08.2025 Presiding Officer DRT-1, Chandigarh MANOJ KALRA

Canara Bank v. Kuljinder Kaur

Case brief

What is this about?

What did the court decide?

Canara Bank v. Kuljinder Kaur

Case brief

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What did the court decide?

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