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State Bank of India versus Kamlesh Kumari — DRT (2026) — LawSathi Research

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DRT
2026
State Bank of India versus Kamlesh KumariState Bank of India v. Kamlesh Kumari

State Bank of India v. Kamlesh Kumari

DRT14 Sept 2026OA/304/2024

Case summary

From the record, as published by the registry

STATE BANK OF INDIA versus KAMLESH KUMARI

P.o delivered 6,228 reported orders in 2026.

Filed as

Final Order2026

A

IN THE DEBTS RECOVERY TRIBUNAL-I, CHANDIGARH

BEFORE: A S NARANG, PRESIDING OFFICER

OA No: 304/2024 Date of Institution: 13.02.2024 Date of Decision: 14.09.2026

SBI having its branches all over India and a branch at D.P. Road, Gagret, Tehsil Ghanari, District Una, Himachal Pradesh.

……..Applicant Vs.

Kamlesh Kumari w/o Sh. Harbans Lal, r/o VPO Ambota, Ward No.9, Mohalla Chatehar, Tehsil Amb, District Una, Himachal Pradesh.

Harbans Lal s/o Sh. Prabhu Ram, r/o VPO Ambota, Ward No.9, Mohalla Chatehar, Tehsil Amb, District Una, Himachal Pradesh.

……….Defendants

Advocates

Sh. Gurinderjit Singh, Counsel for the applicant bank. Defendants- ex parte vide order dated 20.03.2025 .

OA for the Recovery of ₹25,74,079/- with interest @9.30% per annum with monthly rests from 13.02.2024.

Case details

As recorded by the court registry

Court: DRT
Decided on: 14 Sept 2026 · September
Case no.: OA/304/2024
CNR: 040110003592024

All orders in this case

2 orders share this CNR

26 Nov 2024Order 1 · P.o
14 Sept 2026Order 2 — this page · P.o

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Cite this judgement

State Bank of India v. Kamlesh Kumari, OA/304/2024 (DRT), decided on 14 September 2026.

The Debt Recovery Tribunals publishes no neutral citation for this judgement — cite it by case number and date of decision.

ORDER

SBI has filed this application under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) for the recovery of ₹25,74,079/- with interest against Smt. Kamlesh Kumari and another (defendants).

Bank’s case is that on 09.12.2016, it had granted Home Loan of ₹20.00 Lacs to defendant Nos.1 and 2. To secure the loan, Defendant No.1 had mortgaged her land (fully detailed in para No.3A of the application). Defendant No.2 stood as guarantor vide Guarantee Agreement dated 09.12.2016. The loan was chargeable to interest @9.30% per annum with monthly rests. Defendants had duly

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acknowledged their liability towards the debt on 20.11.2019 and 27.10.2022. On 05.01.2024, a sum of ₹25,74,079/- was due from the defendants. Despite repeated requests, defendants did not make the repayment. Hence, this application.

On 06.03.2024, summonses were sent to the defendants by registered post, which were duly served. However, defendants did not put in appearance. Vide order dated 20.03.2025, they were proceeded ex parte . 4. In order to prove its case, the Bank has placed on record the affidavit of Sh. Sachin Kumar, Branch Manager along with the loan and security documents and marked them as Exhibit A-1 to A-21. 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 ₹20.00 Lacs and on 05.01.2024, a sum of ₹25,74,079/- was due. 6. Accordingly, the application of the bank for the recovery of ₹25,74,079/- (Rupees Twenty Five Lacs Seventy Four Thousand Seventy Nine Only) with interest @9.30% per annum with monthly rests from 13.02.2024, 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 15.10.2026.

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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: 14.09.2026 Presiding Officer DRT-1, Chandigarh MANOJ KALRA

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