Allowed

Bank of India v. Mr. Pathan Mahaboob Subhani

DRT1 Jun 2026OA/237/2026

Case brief

AI extract

What is this about?

Debts Recovery Tribunal allowed an Original Application filed by Bank of India for recovery of a car loan amounting to Rs. 20,45,388 with future interest and costs, holding the bank entitled to proceed against the hypothecated car and the borrower as the defendant appeared ex parte.

What did the court decide?

The OA allowed; Defendant liable to pay Rs. 20,45,388 with interest; recovery allowed against hypothecated car and person; Recovery Certificate issued.

Bank of India versus Mr. Pathan Mahaboob Subhani — Contract and Commercial Disputes | DRT (2026)

¶1

IN THE DEBTS RECOVERY^TRIBUNAL -^{I AT HYDERABAD} DATED THIS THE Ol"t^{DAY OF JUNE' 2026}

¶2

PRESENT: SRI^{GUMMADIGOPTCHAND, PRESIDING OFFICER}

¶3

OA. No. 237 OF²⁰²⁶

¶4

Between:

¶5

Bank of lndia, Sultan Bazar^Branch, D.No. 4-3-169,539^{& 540'} Ground Floor, Hanuman^Tekdi, Sultan Bazar, Hyderabad -^{500 001'} Represented^{by its Constituted Attorney}

¶6

Applicant

¶7

VERSUS

¶8

Mr. Pathan^{Mahaboob Subhani,} S/o. Kaleshvali^Pathan' Aged about⁴⁰ Years,^{Occ' Business'} Sex Male, R/o. Flat^{no' 102,1st Floor,} BNR APartments,^Gangaram' Chandangar,^{HYderabad- 500 050'}

¶9

Also at -

¶10

H.No. 94/4/8,^{Shanthi Nagar,} New Govt.^Schol, Chandannagar' Defendant Hyderabad -^{500 050}

¶11

(oA. No. 23712026)

¶12

Counsel for the^parties:

¶13

For The Applicant D. Brahma ReddY For the Defendant Exparte 25.05.2026 Reserved on 01.06.2026 Pronounced on Upload in^{website on} 02.06.2026

¶14

ORDER

¶15

The Applicant^{Bank filed the present OA against Defendant for} recovery^{of a total sum of Rs.20,45,388'00Ps' (RupeesTwenty} Lakhs Forty^{Five Thousand Three Hundred and Eighty} Eight Only)^{with future rate of interest @9 05% p'a} compounded^{monthly rests plus penal interesl@2o/o p'a from} the date of^{this application till the date of realizationand in} default for^{sale of Hypothecated Car as mentionedin the} Schedule^{of ProPertY to OA.}

¶16

As per the^{avermentsin the application, the Applicant Bank} availed Car^{loan of Rs.24,00,0001} states thly installments^{of Rs.38,6751-p'm} .05% nd executed^{Bank of lndia Loan} JtlN 'S7i r", -^).] -Q -<sup>.i 'ffiffi'

¶17

(oA. No. 23712026)

¶18

Agreement cum Hypothecation^{For VehicleLoan dated} 31.07.2023 in favor^{of the ApplicantBankand the defendant} hypothecated car^{morefully mentioned in Scheduleof Propertyto} OA and executed^{necessary documents in favor of the Applicant} Bank. After availing^{the loan facility, the defendant failedto} complythetermsofsanction,hencetheapplicantbankclassified theaccountasNPAon2S.O2.2O25andissuedLegalNotice daled 17.02.2026^{to the defendant' lnspite of severalrequests} and demands,^{the defendant did not clear the outstanding'Hence} this OA.

¶19

Defendant^{called absent and set exparte on 25'05'2026'}

¶20

Sri. Kuchana^{RamPrasad,Assistant Manager of the Applicant} Bank examined^{himself as AW 1 and exhibitedrelevant} documents,^{whichare marked as Ex'A'1 to A'12'}

¶21

¶22

Heard the^{Ld. Counsel for the Applicant Bank'}

¶23

is whether^{the APPlicant}

¶24

1. The Point^{that arlse} for consideration bank is^{entitled for} the claim^made in the OA^againstthe for?

¶25

Defend

¶26

0rm4Zt *
il ''.',*4#7
.t ..,-?,/_Z

¶27

lOA.^No.237 /2026\

¶28

Defendant remained exparte.^{To substantiate the case of the} Applicant Bank, AW.1, official of^{the Applicant Bank was} examined and he exhibited^{relevant documents as Ex.A.1to} A.12. ln view of the^{above,I hold that the Applicant Bankhas} established their claim^{made in the OA against the Defendant and} hence the Applicant^{Bank is entitled to recover the claim made in} the OA with future^{interest and costs.}

¶29

ln the result, the^{presentOA is allowedwith costs, as under:}

¶30

TheDefendantisliabletopaytotheApplicantBankatotalsum of Rs.20,45,388.00^{Ps. (Rupees Twenty Lakhs Forty Five} Thousand^{Three Hundred and Eighty Eight Only)with} future rate of^interest @9.05%^{p.a from the date of this} application till^{the date of realization'}

¶31

L The Applicant^{Bank is entitled toproceedagainst the} Hypothecated^{Car as mentioned in the Schedule of the Property} to the OA^{towardsrealizationof the debt due'}

¶32

'10. The Applicant to^{proceed againstthe} Person towards realization^{of the debt}

¶33

¶34

(oA. No.23712026)

¶35

That Applicant Bank^{is entitled to the costs of the OA'}

¶36

memo within two^{weeks from the} 12. The Applicant shall^{file a cost} date of receiPt^{of order.}

¶37

lssue Recovery^{Certificate accordingly'}

¶38

communicate^{a copy of the order to the parties concerned'} (Dictated to the^{P.A., transcribed by her, corrected, signedand pronouncedby me in the opencourton} this the O1't^{day of Jun, 2026)}

¶39

sd/(G. GOPICHAND) PRESIDING^OFFICER

¶40

.l'df
:lF

¶41

fftrw, lactfieE#grrar Bi?i.J,^HYDERABP,D

¶42

Bank of India v. Mr. Pathan Mahaboob Subhani

Case brief

What is this about?

What did the court decide?

Bank of India v. Mr. Pathan Mahaboob Subhani

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Issues for consideration

Statutes considered

Parties & counsel

Coram

Case details

Similar cases

Sri Venkateswara Rice Traders and Ors. versus State Bank of India

Mohammed Nizam uddin versus Protium Finance Limited

Ms Shiva Sai Foods Rep by its Prop Kolate Shantha Bai versus Central Bank of India

State Bank of India versus Mr. Pottipati Sivareddy

State Bank of India versus Sri. Musham Ravi Kumar

Mr Sanjay Sambrani versus Union Bank of India