Documents executed: - Hypothecation agreements dated 24.07.2009, 13.02.2013 and 18.02.2016, which are Annexures A4, A8 , A10 and A12 to this OA; Balance confirmation/Revival letter dated 29.01.2019, 04.01.2022, 06.05.2023, which are Annexure A14 to this OA; Legal Notice dated 13.12.2024, which is Annexure A15 to this OA; Statement of accounts, which are Annexure A16 to this OA. 5. The loan accounts became irregular and were classified as NPA and after adjusting debit and credit entries in both the loan accounts there was a debit of Rs.27,57,776.00p, which is recoverable and the defendants were served recall notices but they did not repay the outstanding amount, therefore, the applicant requested to accept the application and to issue Recovery Certificate accordingly. 6. The defendants were served notices to appear before this Tribunal but no one appeared on behalf of defendants and they were proceeded ex parte 26.09.2025. 7. In support of the OA, affidavit of Sh. Dilbag Singh Reddu, Chief manager, State Bank of India, h as been filed. 8. Heard ex-parte arguments and perused record. 9. It was argued by learned counsel through Video Conferencing that in view of the documentary evidence brought on record which had gone unrebutted, the applicant had proved its case. From the perusal of all the Annexures A1 to A16 to this OA, it is proved that the defendants approached applicant for availing of the loan facilities which were granted to them and for that they had executed all the relevant documents in favour of the bank. The defendants failed to pay back the loans as per terms and conditions of the agreement between the parties. Subsequently, accounts of the defendants were classified as NPA. From the documentary evidence brought on record, it is proved that applicant is entitled to recover a sum of Rs.27,57,776.00p (Rupees Twenty Seven Lacs Fifty Seven Thousand Seven Hundred
