Case Summary
M/s. Kerala Gramin Bank is the plaintiff, and Saji.K.P. and Antony Ranson are the defendants. The case involves the bank seeking repayment of a loan availed by the first defendant, with the second defendant as a guarantor.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Defendants are directed to pay ₹31,126/- with interest.
Case Type
Civil Suit
Final Judgment
No
The court decreed the suit in favor of the plaintiff, ordering the defendants to pay the amount owed along with interest. If the defendants fail to make the payment, the plaintiff can recover the amount from their assets.
Why Plaintiff Won:
The plaintiff's claim was substantiated by uncontested evidence.
The plaintiff's claim was substantiated by uncontested evidence.
Losing Side's Weaknesses:
The plaintiff's claim was substantiated by uncontested evidence.
The plaintiff's claim was substantiated by uncontested evidence.
Supporting Evidence
I am of the opinion that the case of the plaintiff stands proved by the uncontested evidence of PW1. There is nothing to disbelieve the evidence tendered by PW1.
Judgment Evidence:
In the result, the suit is decreed as follows: I. The defendants are directed to pay to the plaintiff, an amount of 31,126/- (Rupees thirty one thousand one hundred and twenty six only) with interest at the rate of 6% per annum from the date of institution of the suit, till its realisation from the defendants or their assets.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- M/s. Kerala Gramin Bank
- Party Role
- Defendant
- Party Name
- Saji.K.P.
- Party Age
- 51
- Relation
- S/o
- Party Role
- Defendant
- Party Name
- Antony Ranson
- Party Age
- 50
- Relation
- S/o
Plaintiffs Documents
Application for Loan, Agreement for General Consumption Loans, Pronote, Take Delivery Letter to DPN, Acknowledgment of debt, Copy of Lawyer Notice.
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- B. Jayaprakash
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Thresia Anu P. J
- Appearance Type
- Assisting Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The defendants are ordered to pay the plaintiff an amount of ₹31,126/-.
Evidence:
I.The defendants are directed to pay to the plaintiff, an amount of 31,126/- (Rupees thirty one thousand one hundred and twenty six only) with interest at the rate of 6% per annum from the date of institution of the suit, till its realisation from the defendants or their assets.
Relief Type:
Other
Outcome:
Granted
Description:
The plaintiff is entitled to the costs of the suit from the defendants.
Evidence:
III.Considering the nature of the suit and circumstances surrounding the suit, the plaintiff is entitled to the costs of the suit from the defendants.
Documents & Evidence
Document Type:
Application for Loan
Submitted By:
Plaintiff
Relevance:
This document was part of the evidence establishing the loan agreement.
Reference:
Ext.A1
Document Type:
Details of Co-obligant
Submitted By:
Plaintiff
Relevance:
This document was related to the loan and its guarantor.
Reference:
Ext.A2
Document Type:
Agreement for General Consumption Loans
Submitted By:
Plaintiff
Relevance:
This document outlines the terms of the loan.
Reference:
Ext.A3
Document Type:
Pronote
Submitted By:
Plaintiff
Relevance:
This document is a promissory note agreeing to the repayment terms.
Reference:
Ext.A4
Document Type:
Take Delivery Letter to DPN
Submitted By:
Plaintiff
Relevance:
This document is part of the conditions of the loan.
Reference:
Ext.A5
Document Type:
Certified copy of statement of account
Submitted By:
Plaintiff
Relevance:
This document shows the account transactions related to the loan.
Reference:
Ext.A6
Document Type:
Acknowledgment of Debt
Submitted By:
Plaintiff
Relevance:
This document is an acknowledgment of the debt by the first defendant.
Reference:
Ext.A7
Document Type:
Acknowledgment of Debt
Submitted By:
Plaintiff
Relevance:
This document is an acknowledgment of the debt by the first defendant.
Reference:
Ext.A8
Document Type:
Acknowledgment of Debt
Submitted By:
Plaintiff
Relevance:
This document is an acknowledgment of the debt by the second defendant.
Reference:
Ext.A9
Document Type:
Copy of Lawyer Notice
Submitted By:
Plaintiff
Relevance:
This document is the legal notice sent to the defendants for the repayment.
Reference:
Ext.A10
Document Type:
Returned Postal Envelop
Submitted By:
Plaintiff
Relevance:
This document is related to the delivery of the lawyer notice.
Reference:
Ext.A11
Document Type:
Returned Postal Envelop
Submitted By:
Plaintiff
Relevance:
This document is related to the delivery of the lawyer notice.
Reference:
Ext.A12
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Ernakulam
State
Kerala
Court Establishment
Munsiff Court, Ernakulam
Common Reasons
Recovery of money
Case Code
Case between M/s. Kerala Gramin Bank vs Saji.K.P., Antony Ranson regarding realisation of money.
Case Code Year
Case between M/s. Kerala Gramin Bank vs Saji.K.P., Antony Ranson regarding realisation of money.