OA/701/2024 STATE BANK OF INDIA V/S SH. HARMEL SINGH @HARMAIL SINGH 3. The applicant sanctioned KCC Limit of Rs.10.00 Lacs vide Letter of Arrangement dated 02.05.2013, which is Annexure A3 to this OA and the terms and conditions were duly accepted by the defendant. 4. Defendant had mortgaged their immovable properties i.e land measuring 15K-19M and 0K-1M i.e. total land measuring 16K-0M situated at Village Haidar Nagar, Hadbast No. 34, Sub Tehsil Kunm Kalan, Tehsil and District Ludhiana, Punjab vide Registered Mortgage Deed bearing vasika no. 1726 dated 26.03.2013, along with its Translations w hich are Annexure A5 and A5T to this OA. Documents executed:- Hypothecation Agreement dated 02.05.2013, which is Annexure A3 to this OA; Revival Letters dated 25.04.2016, 15.03.2019, 09.02.2022, which is Annexure A6 to this OA; Legal notices dated 21.06.2019, 08.01.2020, 11.03.2022, 19.03.2024, which are Annexures A8 to A10 to this OA; Statement of Account, which is Annexure A11 to this OA. 5. The loan account became irregular and was classified as NPA and after adjusting debit and credit entries in loan account there was a debit of Rs.22,61,884.00, which is recoverable and the defendant was served recall notices but he did not repay the outstanding amount, therefore, the applicant requested to accept the application and to issue Recovery Certificate accordingly. 6. The defendant was served notices to appear before this Tribunal but no one appeared on behalf of defendant and he were proceeded exparte on 01.01.2025. 7. In support of the OA, affidavit of Sh. Pradeep Kumar Chauhan, Branch Manager, State Bank of India h as been filed. 8. Heard arguments and perused record. 9. It was argued by learned proxy counsel 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 A11 to this OA, it is proved that the defendant approached
