Case Summary
The Federal Bank Limited filed a case against Nizam P N for the recovery of a loan amount due. The defendant failed to repay the loan after availing it, leading the bank to seek recovery through legal means.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Defendant to pay ₹6,90,205/- with interest at the rate of 6% per annum.
Case Type
Civil Suit
Final Judgment
No
The court decreed in favor of the plaintiff, ordering the defendant to pay ₹6,90,205/- with interest. The plaintiff also has the right to recover costs from the defendant.
Why Plaintiff Won:
The evidence presented by the plaintiff established the necessity of their claims.
The evidence presented by the plaintiff established the necessity of their claims.
Losing Side's Weaknesses:
The evidence presented by the plaintiff established the necessity of their claims.
The evidence presented by the plaintiff established the necessity of their claims.
Supporting Evidence
The plaint averments, affidavit and the documents would establish the case of the plaintiff. There is no evidence to rebut the evidence adduced on the side of the plaintiff.
Judgment Evidence:
In the result, the suit is decreed as follows; 1. It is ordered that the defendant to pay to the plaintiff the sum of ₹6,90,205/- (Rupees six lakh ninety thousand two hundred and five only) with interest thereon at the rate of 6% per annum for the principal amount from the date of decree till its realization.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- The Federal Bank Limited
- Party Role
- Defendant
- Party Name
- Nizam P N
- Party Age
- 45
Plaintiffs Documents
Copy of Power of Attorney, Print out of the General terms and conditions of loan, Copy of KYC documents of the defendant namely Aadhar Card, Copy of KYC documents of the defendant namely Pan Card, Copy of customer input details, Copy of statement of account no. 99980100368260, Statement of Loan account no. 10257600070621, Statement of Account to 30.09.2025, Copy of notice, Postal receipt, Consignment / MO tracking report
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Chitra Menon
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Nitheesh S
- Appearance Type
- Assisting Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The defendant to pay the plaintiff ₹6,90,205/- with interest.
Evidence:
It is ordered that the defendant to pay to the plaintiff the sum of ₹6,90,205/- (Rupees six lakh ninety thousand two hundred and five only) with interest thereon at the rate of 6% per annum for the principal amount from the date of decree till its realization.
Relief Type:
Recovery
Outcome:
Granted
Description:
The plaintiff entitled to recover costs from defendants.
Evidence:
The plaintiff is entitled to realise the costs from the defendants.
Documents & Evidence
Document Type:
Power of Attorney
Submitted By:
Plaintiff
Relevance:
Document authenticating authority for the plaintiff.
Reference:
Ext.A1
Document Type:
General terms and conditions of loan
Submitted By:
Plaintiff
Relevance:
Document detailing the terms governing the loan.
Reference:
Ext.A2
Document Type:
KYC documents
Submitted By:
Plaintiff
Relevance:
Documents verifying the identity of the defendant.
Reference:
Ext.A3
Document Type:
KYC documents
Submitted By:
Plaintiff
Relevance:
Documents verifying the identity of the defendant.
Reference:
Ext.A3(a)
Document Type:
Customer input details
Submitted By:
Plaintiff
Relevance:
Document showing the details entered during loan processing.
Reference:
Ext.A4
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
Account statement detailing transactions.
Reference:
Ext.A5
Document Type:
Statement of Loan Account
Submitted By:
Plaintiff
Relevance:
Loan account statement showing details of the outstanding amount.
Reference:
Ext.A6
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
Detailed account statement up to a specific date.
Reference:
Ext.A7
Document Type:
Notice
Submitted By:
Plaintiff
Relevance:
Notice sent to the defendant regarding the outstanding amount.
Reference:
Ext.A8
Document Type:
Postal receipt
Submitted By:
Plaintiff
Relevance:
Proof of sending the notice to the defendant.
Reference:
Ext.A9
Document Type:
Tracking report
Submitted By:
Plaintiff
Relevance:
Document tracking the consignment sent to the defendant.
Reference:
Ext.A10
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Kottayam
State
Kerala
Court Establishment
Munsiff Court, Kottayam
Common Reasons
Non-payment of rent
Case Code
Case between The Federal Bank Limited vs Nizam P N regarding Suit for realisation of money
Case Code Year
Case between The Federal Bank Limited vs Nizam P N regarding Suit for realisation of money