Allowed

Canara Bank v. Smt Ravinder Kaur

DRT12 Nov 2025OA/480/2022

Case brief

AI extract

What is this about?

In this ex parte decree, the Debts Recovery Tribunal allowed Canara Bank's application under Section 19 RDB Act for the recovery of Rs. 23,12,000 with interest against the defendant, who failed to appear in response to summons.

What did the court decide?

Recovery of Rs. 23,12,000 with interest at 9.95% p.a. allowed; Recovery Certificate issued; Recovery Officer directed to distribute sale proceeds of mortgaged land.

Canara Bank versus Smt Ravinder Kaur — Execution and Attachment | 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: 480/2022 Date of Institution: 07.03.2022 Date of Decision: 12.11.2025

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Canara Bank having its branches all over India and a branch at Majitha, Tehsil and District Amritsar, Punjab.

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……..Applicant Vs.

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Smt. Ravinder Kaur w/o Sh. Gurbhej Singh, r/o Pakharpura, Tehsil Majitha, District Amritsar, Punjab.

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……….Defendant

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Advocates

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Sh. Satish Jaswal proxy counsel for Navdeep Singh, Counsel for the applicant bank.

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Defendant- ex parte vide order dated 27.09.2024 .

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OA for the Recovery of Rs.23,12,000/- with interest @9.95% per annum with half-yearly rests from 07.03.2022.

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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.23,12,000/- with interest against Smt. Ravinder Kaur (defendant). 2. Bank’s case is that on 12.06.2018, it had granted a loan of Rs.15.00 Lacs to defendant in the form of K.C.C Limit for agricultural purpose. To secure the loan, Defendant had mortgaged her land (fully detailed in para No.3A of the application). The loan was chargeable to interest @9.95% per annum with half-yearly rests. Defendant had duly acknowledged her liability towards the debt on 01.06.2021. On 22.02.2022, a sum of Rs.23,12,000/- was due from the defendant. Despite repeated requests, defendant did not make the repayment. Hence, this application.

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On 28.03.2022, summons was sent to the defendant by registered post, which was duly served. However, defendant did not put in appearance. Vide order dated 27.09.2024, she was proceeded ex parte . 4. In order to prove its case, the Bank has placed on record the affidavit of Sh. Sahil Mahajan, Manager along with the loan and security documents and marked them as Exhibit A-1 to A-10. 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.15.00 Lacs and on 22.02.2022, a sum of Rs.23,12,000/- was due. 6. Accordingly, the application of the bank for the recovery of Rs.23,12,000/- (Rupees Twenty Three Lacs Twelve Thousand Only) with interest @9.95% per annum with half-yearly rests from 07.03.2022, till the date of payment is hereby allowed with costs. 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 defendant.

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Pending IAs, if any, stand disposed of. 8. Recovery Certificate be issued accordingly. 9. Party is directed to appear before Recovery Officer on 17.12.2025, 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 party.

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Pronounced in the open Court.	(A S Narang)
Dated: 12.11.2025	Presiding Officer
MANOJ KALRA	DRT-1, Chandigarh

Canara Bank v. Smt Ravinder Kaur

Case brief

What is this about?

What did the court decide?

Canara Bank v. Smt Ravinder Kaur

Case brief

What is this about?

What did the court decide?

What the court decided

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