Allowed

Hdfc Bank Limited v. Mrs. Jayasudha Routhu

DRT17 Aug 2026OA/359/2026

Case brief

AI extract

What is this about?

The Debt Recovery Tribunal allowed an Original Application filed by HDFC Bank Limited against its borrower and guarantor for recovery of a loan defaulting amount along with future interest and costs.

What did the court decide?

Defendants ordered to jointly and severally pay Rs. 29,13,273.54 with future interest; Applicant entitled to sell hypothecated movables; Recovery Certificate issued.

Hdfc Bank Limited versus Mrs. Jayasudha Routhu — Contract and Commercial Disputes | DRT (2026)

¶1

IN THE DEBTS RECOVERY TRIBUNAL -^{I AT HYDERABAD} DATED THIS THE 17th DAY OF^AUGUST,2026

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PRESENT: SRI GUMMADI GOPICHAND,^{PRESIDING OFFICER}

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OA. No.359 OF 2026

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Between :

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HDFC Bank Limited, 4th Floor, Shapoorji^Towers, Adarsh Nagar, Hyderabad-500063 Represented by its Authorized^Officer

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Applicant

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VERSUS

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Mrs. Jayasudha^Routhu Wo. Ravinder Rautu, Age: 48^{years,Female,} Occ: Housewife, H No 5-4211, Patha^Jenda Sultananbad,^Karimnagar Telangana^{- 505185}

¶9

Mr. Ravinder^Rautu, S/o. Kanakaiah, Age. 58^{years, Male,} Occ; Business, H. No 5-4211,^{Patha Jenda,} Sultananbad,^Karimnagar, Telangana -⁵⁰⁵¹⁸⁵ ffi W#

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Defendants

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(oA. No. 3s9/2026)

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Counsel for^the Parties^:

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ForTheApplicant	N.M.ShinYMounika
Forthe Defendant	Exparte
Reservedon	14.O8.2026
Pronounced^on	17.08.2026
Uploadin^websiteon	17.08.2026

¶14

ORDER

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The Applicant^{Bank filed the present OA against Defendants} forrecoveryofatotalsumofRs.29,13,273.54.Ps.(Rupees Twenty Nine^{Lakhs Thirteen Thousand Two Hundred} Seventy^{Three and Fifty Four Paise Only) with future rate} of interest @11.51o/o^{p'a with monthly rests from 01'02'2025 till} the date^{of realization and in defaultfor sale of Hypothecated} Movables^{as mentioned in the Scheduleof Propertyto OA'}

¶16

As^{per the avermentsin the application' the ApplicantBank states} that Defendant^{no. 1 availed Commercial Vehicle Loan facilityof} Rs.44,86,447.00/-^{repayabtein 58 equated monthlyinstallments} p.m together^{with interest @951% p'a with} ed necessary^{loan documentssuch} nd Guarantee^{dated17 01 2023 in lavor} .! 7( : ii-l^{1 7 AUG 2026 -,,i} ','$ ,. i'r, t ) . .f_.. "F-.: : .^,,/ '1:;: :.' '! ' " 1)>q., i'atr--_-- ---'-.: - . r-_:. -u]13.,".'.-?"

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(oA. No. 3s9l2026)

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of the Applicant^{Bank. The Defendant no' 2 stood as a} Guarantor in the^{loan facilities availedby the Defendant No' 1} from the Applicant^{Bank. After availing the loan facility,the} defendants failed^{to comply the terms of sanction,hence the} applicant bank^{classifiedthe account as NPA and issued Loan} RecallNoticedated19,0l.2026tothedefendants'lnspiteof several requests^{and demands,the defendantsdid not clear the} outstanding.^{Hence this OA.}

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Defendants^{called absent and set exparte on 1408'2026'}

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of the APPlicant^Bankexamined 4. Ms. AdithYa^{AS, Legal Manager} relevant^{documents,whichare} herself as^{AW'1 and exhibited} marked^{as Ex'A.1 to A'6'}

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

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is whether^{the APPlicant} 6. The^{point that arise for consideration} in the OA^againstthe bank is^{entitled for the claim made} Defendants^as PraYed^for?

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Defendants^{remained exparte'To substantiatethe caseof the} Applicant^{Bank,AW'1, official of the Applicant Bankwas} she exhibited^{relevant documentsas Ex'A'1 to} above, I^{hold that the Applicant Bank has} m made^{in the OA against the Defendants} * 1 7 i,lt1^',"tq rq

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(OA. No. 3s9/2026)

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Bank is entitled^{to recover the claim} and hence^{the APPlicant} made in the^{OA with future} interest and^costs.

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

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The Defendants^{no' 1 and 2 are jointly and severallyliable to} pay to the^{Applicant Banka total sum of Rs'29'13'273'54'Ps'} (Rupees Twenty^{Nine Lakhs Thirteen Thousand Two Hundred} Seventy^{Three and Fifty Four Paise Only) with future rate} of interest @11.51%^{p'a from 01'02'2025 till the date of} realization.

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L The Applicant^{Bank is entitled to proceed against the} Hypothecated^{Movables as mentionedin the Schedule of Property} to the^{OA towardsrealizationof the debt due'}

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The Applicant^{Bank is also entitledto proceed againstthe person} and^{properties of Defendants no 2 and 3 and propertiesof} Defendant^{No' 1 companytowards realization of the debt due'}

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¶31

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

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The Applicant^{shall file a costmemo within two weeks from the} date of receiPt^{of order'}

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(oA. No. 3s9/2026)

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13. lssue Recovery Certificate accordingly.

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Communicate a copy of the order to the^{parties concerned.}

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(Dictated to the P.A., transcribed by her, corrected, signed and^pronounced by meⁱⁿ the open^{court on} this the 17h day ofAug, 2026)

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sd/-

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(G. GOPTCHAND) PRESIDING OFF!CER

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Hdfc Bank Limited v. Mrs. Jayasudha Routhu

Case brief

What is this about?

What did the court decide?

Hdfc Bank Limited v. Mrs. Jayasudha Routhu

Case brief

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What did the court decide?

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