Case Summary
The Dhanlaxmi Bank Ltd. filed a suit against Girija R and Renjith M for recovery of a loan amount. The defendants failed to repay the borrowed amount despite repeated renewals and notices.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Defendants shall pay Rs.5,23,546.13/- with interest @12% per annum from the date of suit till the date of decree
Case Type
Civil Suit
Final Judgment
No
The court decreed the suit in favor of the plaintiff, ordering the defendants to pay the outstanding loan amount with interest. The defendants were found liable to satisfy the decree debt.
Why Plaintiff Won:
Plaintiff established a clear case of loan default backed by documentation.
Plaintiff established a clear case of loan default backed by documentation.
Losing Side's Weaknesses:
Plaintiff established a clear case of loan default backed by documentation.
Plaintiff established a clear case of loan default backed by documentation.
Supporting Evidence
Plaintiff has established a case and plaintiff is entitled to realize an amount of Rs.5,23,546.13/- with interest from defendants.
Judgment Evidence:
In the result, suit is decreed as follows: 1) Defendants shall pay Rs.5,23,546.13/- with interest @12% per annum...
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- The Dhanlaxmi Bank Ltd.
- Party Role
- Defendant
- Party Name
- Girija R
- Party Age
- 45
- Relation
- W/o Renjith M
- Party Role
- Defendant
- Party Name
- Renjith M
- Party Age
- 53
- Relation
- S/o Madhavakurup
Plaintiffs Documents
Exts.A1 to A20 including loan documents, sanction letters, and statement of accounts.
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Sijo George
- Appearance Type
- Main Counsel
- Party Role
- Defendant
- Advocate Name
- T Saji
- Appearance Type
- Main Counsel
- Party Role
- Defendant
- Advocate Name
- Raghunath K R
- Appearance Type
- Assisting Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
Defendants shall pay Rs.5,23,546.13/- with interest.
Evidence:
Defendants shall pay Rs.5,23,546.13/- (Rupees Five lakhs twenty three thousand five hundred and forty six and thirteen paise only) with interest @12% per annum from the date of suit till the date of decree and 6% from the date of decree till payment or realization, as the case may be, to the plaintiff.
Relief Type:
Recovery
Outcome:
Granted
Description:
Defendants shall be personally and their assets shall also be liable to satisfy the decree debt.
Evidence:
Defendants shall be personally and their assets shall also be liable to satisfy the decree debt.
Relief Type:
Other
Outcome:
Granted
Description:
Plaintiff is also entitled to realize the costs of the suit.
Evidence:
Plaintiff is also entitled to realize the costs of the suit.
Documents & Evidence
Document Type:
Sanction intimation letter
Submitted By:
Plaintiff
Relevance:
Shows that the defendant availed cash credit for Rs.5,00,000/- with 12.80% interest per annum.
Reference:
Ext.A1
Document Type:
Demand Promissory Note
Submitted By:
Plaintiff
Relevance:
Indicates that the defendant executed a demand promissory note for Rs.5,00,000/-.
Reference:
Ext.A2
Document Type:
Other agreements
Submitted By:
Plaintiff
Relevance:
Agreements executed by the defendants in favor of plaintiff with respect to the loan amount.
Reference:
Exts.A4, A5, A6
Document Type:
Consent letter for renewal of limits
Submitted By:
Plaintiff
Relevance:
Shows that the defendant renewed the cash credit for Rs.5,00,000/- for working capital expenditure.
Reference:
Ext.A8
Document Type:
Acknowledgment of Liability
Submitted By:
Plaintiff
Relevance:
Acknowledgment of liability executed by the first defendant in favor of plaintiff bank.
Reference:
Ext.A11
Document Type:
Statement of Accounts
Submitted By:
Plaintiff
Relevance:
Shows that the defendant did not make repayments as agreed.
Reference:
Ext.A18
Document Type:
Lawyer Notice
Submitted By:
Plaintiff
Relevance:
Lawyer notice issued to defendants demanding the outstanding amount.
Reference:
Ext.A15
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Ernakulam
State
Kerala
Court Establishment
Munsiff Court, Ernakulam
Common Reasons
Non-payment of rent
Case Code
Case between The Dhanlaxmi Bank Ltd. vs Girija R et al regarding realization of money
Case Code Year
Case between The Dhanlaxmi Bank Ltd. vs Girija R et al regarding realization of money
Case Flags
Cheque-Related Case
Nature of Cheque Case
Financial liability - dishonoured cheque