The Debts Recovery Tribunal in Chandigarh allowed the bank's application for recovery of ₹32,18,150/- with interest advanced via a C.C. Limit loan against mortgage security, proceeding ex parte due to the defendants' absence.
Recovery of ₹32,18,150/- with interest allowed; Recovery Certificate issued; направлении to Recovery Officer to sell mortgaged property and crops.
This page shows the compact analysis of this judgement. The full analysis — procedural history, issue-by-issue holdings with ratio and obiter, advocates, and paragraph-level evidence for every claim — is being added to the record in batches and will appear here when this judgement has been through it.
IN THE DEBTS RECOVERY TRIBUNAL-I, CHANDIGARH
BEFORE: A S NARANG, PRESIDING OFFICER
OA No: 97 of 2023 Date of Institution: 09.01.2023 Date of Decision: 16.05.2026
Union Bank of India having its branches all over India and a branch at Harraipur, District Bathinda, Punjab.
……..Applicant
Vs.
……….Defendants
Advocates
Sh. Aman Kumar, Nodal Officer for the applicant bank. Defendants - ex parte .
OA for the Recovery of ₹32,18,150/- with interest @9.80% per annum with half-yearly rests from 09.01.2023.
ORDER
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04.01.2020 for the fresh period of limitation. On 16.09.2022, a sum of ₹32,18,150/- was due from the defendants. Despite repeated requests, defendants did not make the repayment. Hence, this application. 3. On 24.01.2023, summonses were sent to the defendants by registered post, which were duly served. However, defendants did not put in appearance. Vide order dated 30.07.2025, they were proceeded ex parte . 4. In order to prove its case, the Bank has placed on record the affidavit of Mr. Rajeev Narang, Branch Manager along with the loan and security documents and marked them as Exhibit A-1 to A-22. 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 ₹20.00Lacs and on 16.09.2022, a sum of ₹32,18,150/- was due. 6. Accordingly, the application of the bank for the recovery of ₹32,18,150/- (Rupees Thirty Two Lacs Eighteen Thousand One Hundred and Fifty Only) with interest @9.80% per annum with half-yearly rests from 09.01.2023, till the date of payment is hereby allowed with costs. The liability of all 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 22.06.2026, who is directed to distribute the sale proceeds of the mortgaged property(ies) and standing crops as per the provisions of Section 19(20-AB) of the Act .
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(Law Researcher)
3 issues framed by the court
Whether the bank established the loan advance and outstanding dues under the RDB Act.
Whether the application for recovery of the principal amount and interest is allowed.
Whether a recovery certificate can be issued for the sale of mortgaged property.
2 provisions across 1 enactments
Union Bank of India
Gurdeep Kaur
Kulwinder Singh
A S NARANG
As recorded by the court registry
Judgements on the same questions, provisions and authorities, from every court
