Allowed

State Bank of India v. Harbhajan Singh

DRT19 Nov 2025OA/886/2022

Case brief

AI extract

What is this about?

The Debts Recovery Tribunal adjudicated an application by SBI for recovery of Rs. 27,73,573/- with interest from the defendant. Finding the bank proved the loan advance and non-repayment, the Tribunal allowed the application, directed issuance of a recovery certificate, and ordered sale proceeds distribution.

What did the court decide?

Recovery of Rs.27,73,573/- with interest allowed; Recovery Certificate issued; Recovery Officer directed to distribute sale proceeds.

State Bank of India versus Harbhajan 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: 886 of 2022 Date of Institution: 29.04.2022 Date of Decision: 19.11.2025

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SBI having its branches all over India and a branch at SARB, Ambedkar Chowk, Jalandhar, Punjab.

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……..Applicant Vs.

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Harbhajan Singh s/o Karam Singh r/o H.no.18, Village Rawan, Post office Jhinger-Kalan, Tehsil Dasuya, District Hoshiarpur, Punjab.

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……….Defendant

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Advocates

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Sh. A.S. Gagrha, Counsel for the applicant bank. Defendant - ex parte .

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OA for the Recovery of Rs.27,73,573/- with interest @10.25% per annum with half-yearly rests from 29.04.2022.

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ORDER

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SBI (Bank) has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of Rs.27,73,573/- with interest against Sh. Harbhajan Singh (defendant). 2. Bank’s case is that on 30.04.2015, it had granted a loan of Rs.20.00Lacs to defendant in the form of P.B.C.C Limit for agricultural purpose. To secure the loan, Defendant had mortgaged his land (fully detailed in para No.3A of the application). The loan was chargeable to interest @10.25% per annum with half-yearly rests. The defendant had acknowledged the liability towards the debt on 08.01.2018 and 04.01.2021. On 25.04.2022, a sum of Rs. 27,73,573/- was due from the defendants. Despite repeated requests, defendant did not make the repayment. Hence, this application.

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On 25.05.2022, summons was sent to the defendant by registered post, which was duly served. However, defendant did not put in appearance. Vide order dated 10.05.2023, he proceeded was ex parte .

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In order to prove its case, the Bank has placed on record the affidavit of Mr. J.S. Kajla, Authorised Officer 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 Rs20.00Lacs and on 25.04.2022, a sum of Rs. 27,73,573/- was due. 6. Accordingly, the application of the bank for the recovery of Rs.27,73,573/- (Rupees Twenty Seven Lacs Seventy Three Thousand Five Hundred and Seventy Three Only) with interest @10.25% per annum with half-yearly rests from 29.04.2022, 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. 7. Pending IAs, if any, stand disposed of. 8. Recovery Certificate be issued accordingly. 9. Party is directed to appear before Recovery Officer on 24.12.2025, who is directed to distribute the sale proceeds of the mortgaged property(ies) and standing crops as per the provisions of Section 19(20AB) of the Act . 10. A Copy of this order along with Recovery Certificate be sent to the Recovery Officer as well as the party. Pronounced in the open Court. (A S Narang) Dated: 19.11.2025 Presiding Officer DRT-1, Chandigarh Amanpreet (Law Researcher)

State Bank of India v. Harbhajan Singh

Case brief

What is this about?

What did the court decide?

State Bank of India v. Harbhajan Singh

Case brief

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What did the court decide?

What the court decided

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