Allowed

State Bank of India v. Smt Mina Devi

DRT7 Sept 2026OA/188/2025

Case brief

AI extract

What is this about?

A Debt Recovery Tribunal allowed an application filed by the State Bank of India to recover a loan of approximately Rs. 24.99 lakhs along with interest against Smt. Mina Devi. The defendant failed to appear, leading to ex-parte proceedings. The court accepted documentary evidence and the bank's affidavit under specific rules, determining the debt amount and issuing a Recovery Certificate with attachment of mortgaged assets.

What did the court decide?

Debt of Rs. 24,98,997.53 along with pendente-lite and future interest @ 12% p.a. from 11.03.2025 till realization. Recovery Certificate issued. Secured assets attached.

State Bank of India versus Smt Mina Devi — Banking and Recovery | DRT (2026)

DRT, PATNA

OA 188 of2025jJl

Debts Recovery Tribunal, Patna

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Karpuri Thakur Sadan, Aashiana Digha Road Patna-800025

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Presiding Officer : Shri Kaushalendra Yadav

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OA Case No. 188 of 2025

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State Bank of India, Branch at Maurya Lok Complex, Patna through the Stressed Assets Recovery Branch, 2nd Floor, Patna Main Branch Building, West of Gandhi Maidan, Patna

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Smt. Mina Devi, W/o Sri Chandeshwar Das, Bela Jagatiya, Dhekaha, Pipra Kothi, P.S.- Bettiah, District- East Champaran- 845401, PAN No. GNJPD5507H

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. . . . . . . Defendant

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Present:

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For the Applicant Shri Avinash Chandra Prasad, Advocate For the Defendant None

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Dated:07.09.2026

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JUDGMENT

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The Applicant bank has made this application u/s 19 of the Recovery of Debts and Bankruptcy Act, 1993 (here-in-after referred to as Act) on 11.03.2025 against the defendant to recover its debts from defendant of Rs.24,98,997.53 as on 20.01.2025 along with pendente-lite and future interest at the contractual rate from 21.01.2025 with costs till realization.

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The application has been filed with the contention that the applicant bank, is a body corporate, carries on the business and is competent to file the suit through various branches including the applicant.

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Defendant approached the applicant bank for sanction of Cash credit facility of Rs.9.50 Lakh and Term Loan of IB.13.75 Lakh! vide loan application dated 19.12.2022, for running a business of transportation9 which was sanctioned by the applicant bank on 13.01.2023 under PMEGP Scheme on various terms and conditions, as stipulated in the sanction letter, which were duly accepted by the defendant. To secure the loan facilities defendant has executed various loan and security documents in favour of the applicant bank9 details of which are given in OA. A / %Q

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PrestdiaR Often BebB B8cov9ry TIIbunal eArN A

OA 188 of2025jJl

DRT, PATNA

After availing the sanctioned credit facilities, the defendant became irregular in repayment of their dues as per agreed terms and failed to adhere to the financial norms of the bank and avoiding the repayment of its dues to the bank, in spite of several assurances given by it to the applicant bank resulting in the account turning as NPA on 30.05.2024.

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Since, the defendant failed and neglected in spite of several reminders to make payment of the dues recoverable to the bank, hence this application has been filed by the bank.

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The total liability in the loan account is Rs.24,98,997.53 as on 20.01.2025 with pendente-lite and future interest contractual rate from 21.01.2025 till the realization.

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This Tribunal issued summon/notice copies of application & paper book to the defendant by registered/speed post on 17.04.2025, requiring her to showcause within 30 days of the service U/s 19 (4) of the Act & Rule of the DRT [Procedure] Rules, 1993. But the defendant has not appeared, hence, the Registry of this Tribunal has ordered to publish the notice in newspaper and subsequently, substituted service by publication of notice by way of advertisement in newspaper was also made against the defendant on 27.07.2025 in “Hindustan” and “Times of India” newspapers.

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Despite the registered summons/notices and publication of notice in newspaper, the defendant has not appeared before this Tribunal to contest the case. The sufficient time has been given to the defendant to defend the case, but she failed to appear and to file WS, hence, the Tribunal has passed an order to proceed ex-parte against the defendant on 16.10.2025 .

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To prove its case, the applicant Bank has referred various certified photocopies of documents before this Tribunal. The applicant bank has also given evidence on affidavit by way of affidavit by Shri Manoj Kumar Ojha, Chief Manager of the applicant bank. The details of documents are as follows :

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DescriDtion of 1 Date Anount I Signature Prest ,Iq Della Keco+erV Tribund P#TNr

OA 188 of20251JI

DRT, PATNA

	Documents Photocopies	Execution	(in Lakh:	1 Executants		Ann. No
1	Loan application	19.12.2022	e 14.25 TL			A
2	Documents related to quotatIon			Defendant		B
3	e arrangement		a	- accepted defendant	by
	Letterofundertakin$	13.01.2023	e
	Agreement under- PDR	13.01.2023	e
6	Agreement ofloan cumhyDothecation	13.01.2023	e	rl
	Legalnotice	22.01.2025		Bank’sadv.
	Statement of accounts			Bank

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Heard arguments and perused the case record.

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Ld. Counsel of applicant bank submitted that the defendant has taken the loan and utilized the same and also executed the various loan documents to secure the loan. Further, submitted that the claim of the bank has been proved by documentary evidence. All the transactions were entered in the ledger of the loan accounts in the name of the defendant duly maintained by the applicant bank in its usual course of business. The interest /compound interest has been charged at such rates, and capitalized at such periodical rests as are permitted by and do not run counter to the directives of Reserve Bank of India.

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It is further submitted by Id. Counsel of applicant bank that there is no stay granted by any Higher Court, in respect of the proceedings of the present OA and requested to issue recovery certificate, as claimed for, in OA.

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It has been established that defendant is living and carrying on the business in the state of Bihar. Cause of action also arose in the State of Bihar. The said claim on the date of filing of application exceeded Rs.20 lacs. The applicant bank is functioning within the jurisdiction of this Tribunal. Therefore, this Tribunal has territorial as well as pecuniary jurisdiction to adjudicate upon the present application.

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On the issue of Limitation, to prove it, the applicant bank has submitted that the applicant bank has declared the account as NPA on 30.05.2024,

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vC,I’t’ XIa I lu Recovery Tribun VATN A

OA 188 of 20251JI

DRT, PATNA

whereas the present application has been filed on 11.03.2025. Even, it is counted for the purpose of Limitation, then it is established that the applicant bark has filed the case within the limitation period. As such, it is established that the present application has been filed well within the period of limitation.

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Shri Manoj Kumar Ojha, Chief Manager of the applicant bank has filed the affidavit in support of contents of application and the documents as evidence and proved on oath the pleadings and documents of the applicant bank as stated above.

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Section 19(3) of the Recovery of Debts and Bankruptcy Act, 1993 provides that the application u/s S.19 (1) shall be accompanied with true copies of all the documents relied on in support of the claim.

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The rule 12 (10) of the Debt Recovery Tribunal (Procedure) Rules, 1993, provides that if the defendant denies his liability to pay the claim made by the applicant, the tribunal may act upon the affidavit of the applicant who is acquainted with the facts of the case or who has on verification of the record sworn the affidavit in respect of the contents of the application and the documents as evidence.

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The rule 12 (11) of the aforesaid Rules, provides that the provisions contained in section 4 of the Banker’s Books evidence that Act, 1891 (18 of 1891) shall apply to a certified copy of an entry in a Banker’s Books furnished along with application filed under sub section 1 of section 19 by the applicant.

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Section 4 of Banker’s Books evidence Act, 1891 runs as underS.4. Mode of proof of entries in bankers’ books.–Subject to the provisions of this Act, a certifIed copy of any entry in a banker’s book shall in an legal proceedings be received as prima facie evidence of the existence of such entry, and shall be admitted as evidence of the matters, transactions and accounts therein recorded in every case where, and to the same extent as, the original entry itself is now by layv admissible, but not further or otherwise.

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As such the certified true copies of the documents are admissible in evidence. The statement of account maintained in the ordinary course of business is not only admissible but shall be taken as the correct statement of account, more so since the entries in the statement of account have not been challenged.

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On perusal of the application, documents, affidavit and on consideration of the arguments, it is proved that the defendant has applied for loan and the bank had sanctioned the loan and to secure the loan and for repayment of loan

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e Tq\A u .it ,f I.J bwu)

DRT, PATNA

OA 188 of 2025[J]

amount with interests etc., the defendant has executed various loan documents, as stated in the application and proved by aforesaid evidence. Defendant has neither denied the utilization of funds advanced by applicant bank nor has pointed out any specific error and discrepancy in the Statement of Accounts.

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The evidence discussed above goes to establish that the amount of loan as mentioned in the O. A., was availed by the borrower under the agreed terms and conditions for repayment with interest. The balance amount till 20.01.2025 has been proved to be Rs.24,98,997.53 only by way of statement of accounts. There is nothing to prove the amount more than that disclosed in the aforementioned statement. As such this amount is recoverable till full and final realization of the claim.

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In my view, facts of the case stand proved by evidence of the applicant bank. Accordingly, the applicant bank is entitled to recover from defendant of Rs.24,98,997.53 along with pendente-lite and future interest @ 12% p.a. with compounded monthly rests from 11.03.2025 (The date of filing of this OA) till realization. So the final order may be passed accordingly, to meet the ends of justice.

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ORDER

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In the result, the application of the applicant bank is allowed and debt is determined with costs against the defendant. The defendant is hereby, ordered to pay the applicant bank its debt amounting to Rs.24,98,997.53 along with pendente-lite and future interest @ 12% p.a. with compounded monthly rests from 11.03.2025 (The date of filing of this OA) till realization of the entire sum due and recoverable with costs.

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It is made clear that any amount deposited by the defendant, be deducted in the claim amount, if not deducted.

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Defendant is debarred from transferring, alienating encumbering or otherwise dealing with or disposing of the mortgage(i or hypothecated or any other properties and assets without paying the aforesaid adjudicated dues to the applicant bank to secure the ends of justice. The mortgaged or hypothecated assets to secure the loan in question are hereby attached and shall be subject to the final order under the recovery proceedings in pursuance of the Recovery

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qq.* Presidint OIDen bBb Xorov©ry Taba +hTNX

OA 188 of 20251JI

DRT, PATNA

certificate issued under Section 19(22) of Recovery of Debts and Bankruptcy Act 1993 . The applicant may submit the certified copy of this Judgment and the Recovery Certificate before the Registrar/Sub- Registrar to endorse the charge over the secured assets.

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Let a certificate of recovery be drawn up forthwith and put up for signatures in terms of provisions contained in Section 19(22) of the Act to be issued, on the basis of the order of the Tribunal to the Recovery Officer. The Recovery Officer shall realize the amount as per the certificate in the manner and mode prescribed under the Act from the defendant, by sale of mortgaged/ hypothecated assets as well as other personal movable/immovable assets of the defendant. The Recovery OffIcer will issue demand notice to the CertifIcate debtors only after the proof of compliance under rule 16 of DRT (Procedure) Rules 1993, is submitted by the applicant. If The Applicant /CertifIcate holder fails to comply with directions of the Recovery Officer, the execution may be dismissed for non-prosecution. The copy of this judgment be uploaded in the website of the Tribunal.

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Parties are directed to appear before the Recovery Officer, DRT, Patna on 23.10.2026. The order be communicated accordingly.

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Judgment signed, sealed, dated and pronounced in the open court on 07th day of September, 2026.

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Dictated & corrected by me.

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[Kaushal-£dra Yadav] Presiding Officer

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FORM NO. 9 [See Regulation 24( 1 )]

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DEBTS RECOVERY TRIBUNAL PATNA 2nd Floorl (A. B & F Wing) Karpuri Thakur Sadan, Kendriya Karamchari Parisar (GPOA), Ashiana Digha Road, Patna800025.

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RECOVERY CERTIFICATE UNDER SECTION 19(Z) READ WITH SECTION 19(B) OF THE RECOVERY OF DEBTS & BANKRUPTCY ACT, 1993, AS AMENDED FROM TIME TO TIME.

RC No. 292/2026

Case No: OA/188/2025

In the Matter of: (CH- 1) STATE BANK OF INDIA BRANCH AT MAURYA LOK COMPLEX PATNA THROUGH THE STRESSED ASSETS RECOVERY BRANCH 2ND FLOOR PATNA MAIN BRANCH BUILDING WEST OF GANDHI MAIDAN PATNA ,BIHAR -800001

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Applicant(s)

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(CD- 1) SMT MINA DEVI Wife of Chandeshwar Das Bela Jagatiya Dhekaha Piprakothi PS- Bettiah, Purba Champaran ,BIHAR -845401

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Defendant(s)

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Reel)very Certificate for R$ 2498997.53 [ Rupees Twenty FQur Lakh$ Ninety Eight Thousands Nine Hpndred Ninety Seven And Pai$e Fifty Three 9111)L]

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In terms of final order dated 07/09/2026 passed by this Tribunal in the above mentioned case, it is ordered that the Applicant Certificate Holder Bank is entitled to recover a sum of Rs. 2498997.53 along with cost, expenses and interest from the 11/03/2025 i.e. date of filing / with effective date of the OA/188/2025 and future interest from order date till the date of realisation in full, jointly or severally from the Certificate Debtors, hereinafter referred to as:-

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r.no Name jI	ILoan iT),pe	Int Ie/Mode	Int. IRate	iEffectiveI I Date	Order Date	lmDunqR£)L WiFI	Interest £doe: Date	RC ,mount(Rs.)	Remark
		m Interest Monthly)	12			!498997.53IFuny	lterest IAs on [Order IDate	2498997.53

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In case of failure to pay the aforementioned adjudicated amount within 30 days, same shall be recovered from the sale of the mortgaged/hypothecated assets as well as other personal movable/ Immovable assets of the certificate debtors.

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The mortgaged or hypothecated assets to secure the loan in question are hereby attached and shall be subject to the final order under the recovery proceeding in pursuance of the Recovery certificate issued under Section 19(22) of Recovery of Debts and Bankruptcy Act 1993. Parties are directed to appear before MANOJ KUMAR , Recovery Officer, DEBTS RECOVERY TRIBUNAL PATNA on 23/10/2026.

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The Recovery Officer shall realize the amount as per this Certificate in the manner and mode prescribed under Sections 25 to 28 of the Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (as amended from time to time) from the above named Certificate Debtors.

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This Certificate has been issued under my signature and seal of the Tribunal on this 11/09/2026

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PRESIDING OFFICER DEBTS RECOVERY TRIBUNAL PATNA G:~', PFpstdinR Oflea Reg ISh if itlbCIO reIY Trib PATNI n } ];Fr; :1;;1; m : :::n I

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FORM NO. 10

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[See Regulation 24(2)]

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DEBTS RECOVERY TRIBUNAL PATNA

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2nd Floor, (A. B & F Wing) Karpuri Thakur Sadan, Kendriya Karamchari Parisar

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(GPOA), Ashiana Digha Road, Patna-800025 .

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SCHEDULE TO RECOVERY CERTIFICATE

MEMO OF COSTS

RC No. 292/2026

Case No: OA/188/2025

Applicant(s): STATE BANK OF INDIA Versus

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Defendant(s): SMT MINA DEVI

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Item ofCosts	I
e	m2
ocessFees(Inc. Publication)	ro
AdvocateFees	[0
Commissioner/Receiver/Valuation/SecurityFee	ro
MiscellaneousCharges	[0
no 1Costs: Rs	m7

Place: PATNA

PRESIDIKG OFFICER

Date: 11/09/2026

DEBTS RECOVERY TRIBUNAL PATNA

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Note: Strike out whichever is not applicable ' -

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F’ Y1din f ) flea Bebt• Recovery Tdburw FATWA

State Bank of India v. Smt Mina Devi

Case brief

What is this about?

What did the court decide?

State Bank of India v. Smt Mina Devi

Case brief

What is this about?

What did the court decide?

What the court decided

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