Case Summary
Kerala Gramin Bank filed a suit against Oruma JLG and others for recovery of a loan amount. The defendants failed to repay the loan as per the agreement, leading to the bank initiating legal proceedings.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Defendants shall pay to the plaintiff the sum of Rs.2,17,479/- along with interest at the rate of 6% per annum.
Case Type
Civil Suit
Final Judgment
No
The suit was decreed in favor of the plaintiff, ordering the defendants to pay the loan amount along with interest.
Why Plaintiff Won:
The plaint averments, affidavit and the documents would establish the case of the plaintiff.
The plaint averments, affidavit and the documents would establish the case of the plaintiff.
Losing Side's Weaknesses:
Not available
Not available
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: It is ordered that the defendants shall pay to the plaintiff the sum of Rs.2,17,479/- (Rupees Two Lakhs Seventeen Thousand Four Hundred and Seventy Nine Only) along with interest at the rate of 6% per annum from the date of institution of the suit till the date of realization of the sum.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- Kerala Gramin Bank
- Relation
- represented by
- Party Role
- Defendant
- Party Name
- Oruma JLG
- Relation
- represented by
- Party Role
- Defendant
- Party Name
- Joy T J
- Party Age
- 48
- Relation
- S/o
- Party Role
- Defendant
- Party Name
- T A Chandy
- Party Age
- 56
- Relation
- S/o
- Party Role
- Defendant
- Party Name
- Jose John
- Party Age
- 67
- Relation
- S/o
- Party Role
- Defendant
- Party Name
- Sudhakaran Nair K
- Party Age
- 73
- Relation
- S/o
Plaintiffs Documents
Certified copy of Account, Original application for Joint Liability Group Loan, Original Inter-se Agreement, Original Letter of Consent cum Guarantee, Original Demand Promissory Note, Copy of Lawyer’s Notice.
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Kuruvilla Varghese
- Appearance Type
- Main Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The defendants shall pay to the plaintiff the sum of Rs.2,17,479/- along with interest.
Evidence:
In the result, the suit is decreed as follows: It is ordered that the defendants shall pay to the plaintiff the sum of Rs.2,17,479/-.
Relief Type:
Cost Recovery
Outcome:
Granted
Description:
The plaintiff is entitled to realize the costs from the defendants.
Evidence:
The plaintiff is entitled to realise the costs from the defendants.
Documents & Evidence
Document Type:
Certified copy of Account for the period 25.09.2019 to 12.03.2025 along with Certificate under Bankers Book Evidence Act. 1891
Submitted By:
Plaintiff
Relevance:
Establishes the loan account details and repayment records.
Reference:
Ext.A1
Document Type:
Original application for Joint Liability Group Loan Scheme
Submitted By:
Plaintiff
Relevance:
Details the application made for the loan by the first defendant.
Reference:
Ext.A2
Document Type:
Original Inter-Se agreement
Submitted By:
Plaintiff
Relevance:
Outlines the agreement among the members of the Joint Liability Group regarding loans.
Reference:
Ext.A3
Document Type:
Original Letter of Consent cum Guarantee Cum Hypothecation Agreement
Submitted By:
Plaintiff
Relevance:
Provides the guarantee for the repayment of the loan taken.
Reference:
Ext.A4
Document Type:
Original Demand Promissory Note
Submitted By:
Plaintiff
Relevance:
Documents the borrower's promise to repay the loan amount.
Reference:
Ext.A5
Document Type:
Take Delivery Letter to DPN
Submitted By:
Plaintiff
Relevance:
Acknowledges the receipt of the Demand Promissory Note.
Reference:
Ext.A6
Document Type:
Copy of Lawyer’s notice
Submitted By:
Plaintiff
Relevance:
Notifies the defendants about the repayment demand.
Reference:
Ext.A7
Document Type:
Original postal receipts
Submitted By:
Plaintiff
Relevance:
Proof of communication sent to the defendants.
Reference:
Ext.A8
Document Type:
Original acknowledgment of Debt
Submitted By:
Plaintiff
Relevance:
Confirms acknowledgment of the debt by the defendants.
Reference:
Ext.A9
Document Type:
Original Acknowledgment of debts
Submitted By:
Plaintiff
Relevance:
Further confirms acknowledgment of debts related to the loan.
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 Kerala Gramin Bank vs Oruma JLG et al regarding realization of money.
Case Code Year
Case between Kerala Gramin Bank vs Oruma JLG et al regarding realization of money.