Allowed

Union Bank of India (Andhra Bank) v. Rajender Kumar @Chintu

DRT15 Jan 2026OA/2135/2022

Case brief

AI extract

What is this about?

The Tribunal allowed the debtor recovery application filed by Union Bank of India. It held that the bank proved the loan of Rs. 20 Lacs, the due amount of Rs. 28,06,958/-, and security interests. The respondents, who did not appear, were proceeded ex parte. A recovery certificate was issued directing joint and several recovery from mortgaged land and personal properties.

What did the court decide?

Application for recovery of Rs. 28,06,958/- with interest allowed; Recovery Certificate issued; rescissory order directed to be distributed pursuant to the provisions of Section 19(20-AB) of the Act,

Union Bank of India (Andhra Bank) versus Rajender… — Contract and Commercial Disputes | 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: 2135/2022 Date of Institution: 21.10.2022 Date of Decision: 15.01.2026

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Union Bank of India (erstwhile Andhra Bank) having its branches all over India and a branch at Abohar, Punjab.

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……..Applicant

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Vs.

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Rajender Kumar @Chintu s/o Sh. Mahavir Parsad, r/o VPO Waryam Khera, Tehsil Abohar, District Fazilka, Punjab.

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Papu s/o Sh. Kalu Ram, r/o VPO Waryam Khera, Tehsil Abohar, District Fazilka, Punjab.

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……….Defendants

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Advocates

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Sh. Munish Mittal, Counsel for the applicant bank. Defendants - ex parte vide order dated 28.04.2025 .

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OA for the Recovery of Rs.28,06,958/- with interest @9.45% per annum with half-yearly rests from 21.10.2022.

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ORDER

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Union Bank of India has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of Rs.28,06,958/- with interest against Sh. Rajender Kumar @Chintu and others (defendants).

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Bank’s case is that on 22.12.2017, it had granted Term Loan of Rs.20.00 Lacs to defendant No.1 for agricultural purpose. To secure the loan, Defendant No.1 had mortgaged his agricultural land (fully detailed in para No.3A of the application). Defendant No.2 stood as guarantor vide guarantee agreement dated 26.12.2017. The loan was chargeable to interest @9.45% per annum with half-yearly rests. On 01.09.2022, a sum of Rs.28,06,958/- was due from the defendants. Despite repeated requests, defendants did not make the repayment. Hence, this application.

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On 06.12.2022, summonses were sent to the defendants by registered post, which were duly served. However, defendants did not put in appearance. Vide order dated 28.04.2025, they were proceeded ex parte . 4. In order to prove its case, the Bank has placed on record the affidavit of Sh. Niraj Thakran, Branch Manager along with the loan and security documents and marked them as Exhibit A-1 to A-20. 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 Rs.20.00 Lacs and on 01.09.2022, a sum of Rs.28,06,958/- was due. 6. Accordingly, the application of the bank for the recovery of Rs.28,06,958/- (Rupees Twenty Eight Lacs Six Thousand Nine Hundred Fifty Eight Only) with interest @9.45% per annum with half-yearly rests from 21.10.2022, till the date of payment is hereby allowed with costs. The liability of both the defendants would be joint and several. 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 defendants. 7. Pending IAs, if any, stand disposed of. 8. Recovery Certificate be issued accordingly. 9. Parties are directed to appear before Recovery Officer on 17.02.2026, who is directed to distribute the sale proceeds of the 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: 15.01.2026 Presiding Officer DRT-1, Chandigarh MANOJ KALRA

Union Bank of India (Andhra Bank) v. Rajender Kumar @Chintu

Case brief

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Union Bank of India (Andhra Bank) v. Rajender Kumar @Chintu

Case brief

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