Allowed

Hdfc Bank v. Kritika Chauhan

DRT11 Mar 2026OA/1417/2023

Case brief

AI extract

What is this about?

Debts Recovery Tribunal allowed the applicant bank's application for recovery of Rs.25,38,353.62 with interest. The court found the debt due, dismissed defenses due to ex parte procedure, and directed a recovery certificate and sale of mortgaged land.

What did the court decide?

Recovery of Rs.25,38,353.62 with interest; order for sale of mortgaged land and standing crops; issuance of Recovery Certificate.

Hdfc Bank versus Kritika Chauhan — Banking and Recovery | DRT (2026)

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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: 1417/2023 Date of Institution: 05.07.2023 Date of Decision: 11.03.2026

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HDFC Bank Limited having its branches all over India and a branch at Rohru, Shimla, Himachal Pradesh. And Also At: - HDFC BANK House, Plot No. I-15, Sector 101 Alpha, IT City, Mohali, Punjab.

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……..Applicant

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Vs.

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Kritika Chauhan D/o Sh. Yashwant Singh, R/o Dhak Gaon PO Masli, Chirgaon, Shimla, Himachal Pradesh

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Yashwant Singh S/o Sh. Roshan Lal, R/o Dhak Gaon PO Masli, Chirgaon, Shimla, Himachal Pradesh

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Praveen Kumar S/o Sh. Vishva Nath, R/o Chirgaon, Shimla, Himachal Pradesh.

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……….Defendants

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Advocates

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Sh. Amit Rishi, Counsel for the applicant bank. Defendants - ex parte vide order dated 30.07.2025 .

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OA for the Recovery of Rs.25,38,353.62p with interest @13% per annum with half-yearly rests from 05.07.2023.

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ORDER

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HDFC Bank Limited has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of Rs.25,38,353.62p with interest against Ms. Kritika Chauhan. and others (defendants).

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Bank’s case is that on 14.02.2020, it had granted a loan of Rs.19.00 Lacs to defendant Nos.1 and 2 in the form of K.C.C Limit for agricultural purpose. To secure the loan, Defendant no.1 had mortgaged her land (fully detailed in para No.5.9 of the application). Defendant No.3 stood as the guarantor. The loan was chargeable to interest @13%

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per annum with half-yearly rests. On 04.06.2023, a sum of Rs.25,38,353.62p was due from the defendants. Despite repeated requests, defendants did not make the repayment. Hence, this application.

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On 04.09.2023, summonses were sent to the defendants by registered post, which were duly served. However, defendants did not put in appearance. Vide order dated 30.07.2025, they were proceeded ex parte .

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In order to prove its case, the Bank has placed on record the affidavit of Sh. Harminder Pal Singh, Senior Manager along with the loan and security documents and marked them as Exhibit A-1 to A-8.

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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.19.00 Lacs and on 04.06.2023, a sum of Rs.25,38,353.62p was due.

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Accordingly, the application of the bank for the recovery of Rs.25,38,353.62p (Rupees Twenty Five Lacs Thirty Eight Thousand Three Hundred Fifty Three and Paise Sixty Two Only) with interest @13% per annum with half-yearly rests from 05.07.2023, till the date of payment is hereby allowed with costs. The liability of all the defendants would be joint and several. Bank can recover its dues by the sale of mortgaged land fully detailed in para No.5.9 of the application as well as from the personal movable and immovable property(ies) of the defendants.

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Pending IAs, if any, stand disposed of.

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Recovery Certificate be issued accordingly.

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Parties are directed to appear before Recovery Officer on

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20.04.2026, who is directed to distribute the sale proceeds of the

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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 parties. Pronounced in the open Court. (A S Narang) Dated: 11.03.2026 Presiding Officer DRT-1, Chandigarh MANOJ KALRA

Hdfc Bank v. Kritika Chauhan

Case brief

What is this about?

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Hdfc Bank v. Kritika Chauhan

Case brief

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