Allowed

State Bank of India v. Sh. Harmel Singh

DRT28 Jan 2026OA/232/2023

Case brief

AI extract

What is this about?

The Debts Recovery Tribunal allowed the applicant bank's application for recovery of outstanding dues of Rs.21,39,763/- with interest against the respondent, who failed to appear despite summons. The order authorizes sale of mortgaged land and personal properties for payment.

What did the court decide?

Recovery of Rs.21,39,763/- with interest @12.15% per annum; authorization to sell mortgaged land and personal properties; issuance of recovery certificate.

State Bank of India versus Sh. Harmel Singh — 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: 232/2023 Date of Institution: 11.01.2023 Date of Decision: 28.01.2026 SBI having its branches all over India and a branch at Sadiq, Tehsil Sadiq, District Faridkot, Punjab. ……..Applicant Vs. Sh. Harmel Singh s/o Sh. Harchand Singh, r/o #2, Saint Mohna Singh Avenue, Sadiq Road, Faridkot, Tehsil and District Faridkot, Punjab.

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……….Defendant

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Advocates

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Sh. Aseem Kataria, Counsel for the applicant bank. Defendant- ex parte vide order dated 12.09.2024 . OA for the Recovery of Rs.21,39,763/- with interest @12.15% per annum with half-yearly rests from 11.01.2023.

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ORDER

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SBI has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of Rs.21,39,763/- with interest against Sh. Harmel Singh (defendant). 2. Bank’s case is that on 17.01.2013, it had granted a loan of Rs.14.17 Lacs to defendant in the form of K.C.C Limit for agricultural purpose. To secure the loan, Defendant had mortgaged his agricultural land (fully detailed in para No.3A of the application). The loan was chargeable to interest @12.15% per annum with half-yearly rests. On 30.11.2022, a sum of Rs.21,39,763/- was due from the defendant. Despite repeated requests, defendant did not make the repayment. Hence, this application.

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3. On 23.02.2023, summons was sent to the defendant by registered
post, which was duly served. However, defendant did not put in
appearance. Vide order dated 12.09.2024, he was proceeded_ex parte_.
4. In order to prove its case, the Bank has placed on record the
affidavit of Sh. Jitandra Pal Singh, Branch Manager along with the loan and security documents and marked them as Exhibit A-1 to A-8.
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.14.17 Lacs and on 30.11.2022, a sum of Rs.21,39,763/- was due.
6. Accordingly, the application of the bank for the recovery of
Rs.21,39,763/- (Rupees Twenty One Lacs Thirty Nine Thousand Seven
Hundred Sixty Three Only) with interest @12.15% per annum with half- yearly rests from 11.01.2023, 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
03.03.2026,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 party.
Pronounced in the open Court. (A S Narang) Dated: 28.01.2026 Presiding Officer DRT-1, Chandigarh MANOJ KALRA

State Bank of India v. Sh. Harmel Singh

Case brief

What is this about?

What did the court decide?

State Bank of India v. Sh. Harmel Singh

Case brief

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What did the court decide?

What the court decided

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