Allowed

Union Bank of India v. Gurdev Singh

DRT7 Nov 2025OA/355/2022

Case brief

AI extract

What is this about?

The Debts Recovery Tribunal allowed the bank's application for recovery of a dues. The court held the bank proved its case regarding the loan advance and outstanding dues, jointly and severally liable defendants, and directed issuance of a recovery certificate.

What did the court decide?

Recovery of Rs.20,32,461/- with interest allowed; costs awarded; Recovery Certificate issued; distribution of sale proceeds before Recovery Officer.

Union Bank of India versus Gurdev Singh — Contract and Commercial Disputes | 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: 355 of 2022 Date of Institution: 29.12.2021 Date of Decision: 07.11.2025

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Union Bank of India having its branches all over India and a branch at 134, Bahadur Pura, Shankar Road, Nakodar, District Jalandhar, Punjab.

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……..Applicant

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Vs.

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Gurdev Singh s/o Bhajan Singh @ Harbhajan Singh r/o Village Chak Vendal, Tehsil Nakodar, District Jalandhar, Punjab.

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Simranjit Kaur w/o Gurdev Singh r/o Village Chak Vendal, Tehsil Nakodar, District Jalandhar, Punjab.

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Bakshish Singh s/o Gurbaksh Singh r/o Village Chak Vendal, Tehsil Nakodar, District Jalandhar, Punjab.

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……….Defendants

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Advocates

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Sh. Sumeet Sehgal, Counsel for the applicant bank. Defendants - ex parte .

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OA for the Recovery of Rs.20,32,461/- with interest @9.15% per annum with half-yearly rests from 29.12.2021.

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ORDER

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Union Bank of India (Bank) has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of Rs.20,32,461/- with interest against Sh. Gurdev Singh and others (defendants).

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Bank’s case is that on 27.03.2015, it had granted a loan of Rs.15.00Lacs to defendant nos. 1 and 2 in the form of C.C Limit for agricultural purpose. To secure the loan, Defendant no. 1 had mortgaged his land (fully detailed in para No.3A of the application). Defendant no.3 stood as the guarantor. The loan was chargeable to interest @9.15% per annum with half-yearly rests. The defendant no.1 had deposited a voucher of Rs1.50Lacs on 25.02.2021. On 31.07.2021, a sum of Rs.20,32,461/-

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was due from the defendants. Despite repeated requests, defendants did not make the repayment. Hence, this application.
3. On 05.01.2023, summonses were sent to the defendants by
registered post, which were duly served. However, defendants did not put in appearance. Vide order dated 08.11.2023, they were proceeded_ex_ parte.
4. In order to prove its case, the Bank has placed on record the
affidavit of Mr. Mukesh Kumar Verma, Branch Manager along with the loan and security documents and marked them as Exhibit A-1 to A-17.
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.15.00Lacs and on 31.07.2021, a sum of Rs.20,32,461/- was due.
6. Accordingly, the application of the bank for the recovery of
Rs.20,32,461/- (Rupees Twenty Lacs Thirty Two Thousand Four Hundred and Sixty One Only) with interest @9.15% per annum with half-yearly
rests from 29.12.2021, till the date of payment is hereby allowed with
costs. The liability of all 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
12.12.2025,who is directed to distribute the sale proceeds of the
mortgaged property(ies) and standing crops as per the provisions of Section 19(20-AB) of the Act.

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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: 07.11.2025 Presiding Officer DRT-1, Chandigarh (Law Researcher)

Union Bank of India v. Gurdev Singh

Case brief

What is this about?

What did the court decide?

Union Bank of India v. Gurdev Singh

Case brief

What is this about?

What did the court decide?

What the court decided

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