Punjab National Bank, a body corporate, constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, and having its Corporate office at Plot No.4, Sector-10, Dwarka, New Delhi110075 and amongst its Branches at various places including its branch office at Branch Ghanaur, Sub-Tehsil Ghanaur, Tehsil Rajpura, District Patiala, through its Authorized Officer Sh. Vikramjeet Dehran, Senior Manager, Punjab National Bank, Circle Sastra Centre, SCO 246, 2nd Floor, Improvement Trust Complex, Patiala-147001. ……..Applicant Versus Sh. Dalveer Singh @ Dalbir Singh son of Sh. Kartar Singh, Resident of #11, Village Bahawalpur, Sub-Tehsil Ghanaur, District Patiala- 140701. ….……Defendant Advocates: Argued by Sh. Sandeep Sharma, Advocate for Applicant Defendant already ex-parte vide order dated 20.01.2026 FINAL ORDER 1. Present Original Application was instituted by the applicant under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993, against the defendant for recovery of Rs.22,38,353.64 (Rupees Twenty Two Lacs Thirty Eight Thousand Three Hundred Fifty Three and Paise Sixty Four Only). The Original Application has been filed through Sh. Vikramjeet Dehran, Senior Manager of the applicant, who is competent to institute the Original Application vide Power of Attorney dated 01.01.2007, which is Annexure A1 to this OA. 2. The brief facts of the OA that the defendant approached the applicant for the grant of KCC Limit of Rs.15.00 Lacs vide Loan Application dated 29.06.2016, which is Annexure A2 to this OA.