Allowed

Bank of India v. Protiva Sardar and Anr.

DRT24 Nov 2025OA/713/2024

Case brief

AI extract

What is this about?

In an ex-parte application for recovery of a housing loan, the Debt Recovery Tribunal held the defendants jointly and severally liable for the claimed dues. The court allowed the application, determined the debt, and directed issuance of a Recovery Certificate, debarred disposal of properties, and allowed recovery from personal assets if the debt remained unpaid within stipulated time.

What did the court decide?

O.A. allowed; debt determined; order for issuance of Recovery Certificate; debarment from alienation of properties; 30 days given for repayment; recovery from personal assets permitted.

Bank of India versus Protiva Sardar and Anr. — Banking and Recovery | DRT (2025)

¶1

BEFORE TIIE DEBTS REOOVERY TRIBU]{AL-III KOLXATA PRESENTI -SRI I(AIiIAL DE.

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PRESIDI G OFFICER.

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O,A. 713 of 2024

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DATE OF DELIVERY oF oRDER! AltLl2O2a

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Bank ot lndla, a body corporate lncorporated under the Banklng Companles ( Acqulsltlon and Transfer of Undertaklngs) Act, 1970 and havlng lts r€glstered offlce at Star House, C-5, G Block, Bandra Kurla Complex, Bandra(East), MumbaF400051 and one of lts branch ofice at Harinavl Branch, Ramakrlshna Complex, Po-Harlnavl, 111, Net{l Subhas Chandra Bose Rd, Harlnavl, Kolkata-West B€ngal- 7000148 wlthln the Judsdlctlon as aforesrld.

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Appllcant.

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-Versus-

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Protlva Sardar, son of Subrrta Sardar (PIN| BZEPS8652L) restdtng at V l-purbr Sltala, P.O. & P.S.- Sonarpur, Kolkata-700150.

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2, Subrata Sardar, son of Ratan Chandra Sardar, (pAN: COD62552G) resldlng at VllF Purb. Sltala, P.O. & P.S, Sonarpur, Kolkata-700150.

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... Defendants.

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Couns€l for the Appllcant Bank: -

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lilr. Arltra Kumar Roy, Adyocate,

Set ex-parte on

tTlttl2o2s

JUDGEMENT

The Applrcant Eank flr€d the pres€nt o.A. berng No. o.A. 713 or 2024 o^ oslrzlzo24 fot recovery of a total sum ol Rs.Sl,4O,?7O,7Ol- (Rupees FtfV_One Lakhs Forty Thousand Seven Hundred S€venty rnd Seventy patse only) from the Defendrnts towlrds Houslng Loan together vrlth lntercst, cost and other usurl relleE.

¶18

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The Defendants are s€rved wlth summons. The defendanE dld not appear, as there y{as no representatlon from the defendants, the case was llxed for ex-parte hearing on LU|L12O2S, and heard ex-parte accordlngly,

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The Appllcant Eank examlned 38 documents through Ms. Debahuu Changmal, Chtef Manager, Bank of Indta marted as Exhlblt Annexure-A to Exhlblt Annexure_K.

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Heard the Ld. Counsel ior the Appltc.nt Bank.

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The polnt that arlses for conslderaflon ls :

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Whether the Appllcant Bank is en ued to the clatm made in the OA agalnst the Defendants and OA schedule p.operfles as p.ayed for?

As stated supra, the Defendants r€malned absent and dld not turn up to controvert the verslon of the O.A. ot Appllcant Bank. The Evldence Afftdavtt coupled wtth the recltals tn the documents vlz., Exhlblts Annexure-A to Exhtbtt Annexure-K marked on behalf of the Appllcant Bank, establlshed the clalm of the Appllcant Bank agatnst the Detendants and OA schedule propertles. Hence, I hold that the Oefendants are Jolnfly and s€verally llable to pay to the Appllc.nt Bank the clalms made tn the OA wlth future lnterest and costs.

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h the result, the present Orlglnal Appltcaflon ts allowed ex-parte wtth costs, as und€r:-

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OROER

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(l) O.A. 713 of 2024 flled by the Appltcant Bank ts .lowed and debt ts determtned wtth cost agalnst the defendants. It rs hereby ordered that Appllclnt Bank rs enufled to recover from the defend.nts the totlt lmount to the tune of Rs.5l,4O,7tO.7Ol- (Rurf,gs Ftfty_One Lakhs Forty Thousand Sev€n Hundr€d Seventy and Seventy palse only) wtth pendente ltte and future rnterest 8.40 @ % per annum rnterest wrth srmpre on the amount due from the date of fillng of the orrgrnal Apprcrdon t.e 0s.12.2024 ufl tull and tlnat realzaflon of the ctarm amount.

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(2) Amount, lf any, plld by the defendants ln the loan accounts or amount, lf any, recovered by the Apprcant Bank after fiflng of the o.A. the same be t.ken rnto account whfle arrrvrng .t the exlct amount ol dues/debt payable by the defend.nts. Accordlngly, p€ndente llte and futur€ lntel€st shall b€ calculsted on the .rduced amount.

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(3) Defendants are debarred from dlsposlng, allenatlng or dealtng wtth any of the properues belonglng to them Ull the aforesatd decretal debt ls recovered from the defendants.

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(4) Defendants are gtv€n r Ume of thtrty days from th€ date of the JudgmenvFin.t Order for r€payrng of the lbove men oned dues, so rnflmated to them. In case th€ defendlnts fal to pay the dues wrthrn the abov€ menuoned dmo, the.ppflcant bank rs enufled to recover rts dues by sale of searred assets, lf any. Applicant bank ls llso entided to proceed agrinst personal properfl€s of the detbMants (Both movrble and lmmovrbl€) and also proceed agalnst the defendants p€rsonally to recover the dues tn ac@rdance wtth law.

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(5) Let the cerflncate of Recovery be d6wn up by Ld. Regrstrar forthwrth rn terms of ludgment br lssuaoc" of the same ag.lnst deieMants ln favour of th€ rppllcant bank under Section 19 (22) ofthe Recovery of Debts and Bankruptcy Act, 1993 and put up the same for lssuanc€ of the Cer llclte.

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(6) Ld. Recovery omcer sharr rearze the amount as per the Recovery ceruflcate from the defendants tn accordance wlth law.

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(7) Ld. Reglstrar of thts Trtbunal ts dlr€cted to dellver recovery cer flcate h term of the flnal

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order/Judgment for recovery of the sum agalnst the defendants ln favour of the Appllcant

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Bank under S€ctlon 19(22) of the Recovery of Debts due to th€ Bank and Ftnanclal Instltutlons Act, 1993 notry known as Recovery of Debts snd Bankruptcy Act, 1993.

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(8)The pe.Ues ar! dlrectd to rpp€.r b€iore ti€ Recovery Omcer on 0910l/2026 fo. further actlon ln .c@rdancr wlth law ln tie event the en0r€ .mount ls not pald by the srtd drte.

¶41

A@rdlngly, the Ortgtn tApdkaBon betng O.A. No.7l3 of 202.t ls.ltowed and sirnds dlsposed of.

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Copy of the JudgmenvFlnal Order be uploaded tn the Tribunalt webstte, Flle ls conslgned to the Record Room,

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(Dictatd to steno, tEnscrlbed by htm, corrccted, Cgned and pronouncal by me ln tha open Court on the 24th day of ovembcr, 2025)

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( KAMAL oE )^=- PRESIDING OFFICER,

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Debts Recovery Tribunal-3, Kolkata Order Sheet (Continuatlon)

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C!3. No. O.A. ,1, ol 2024 B.nk ol tndl. vr. Ptotlva Saldar & Anr.
Order No. OB
Order pronounced (vlde separate sheets)
Dt.24 t ttt 2025
In the result, O.A. 713 of 2024 ts alowed wlth co6ts,
Issue Recovcry Certlfi cate accordlngly.
( Kamal De )
Pr€sldlng Ofncer
DRT-3, Kolkata

Bank of India v. Protiva Sardar and Anr.

Case brief

What is this about?

What did the court decide?

Bank of India v. Protiva Sardar and Anr.

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Statutes considered

Parties & counsel

Coram

Case details

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