Case Summary
This case involves a suit for realization of money filed by State Bank of India against Mrs. Bindu K for defaulting on a loan amount. Mrs. Bindu K failed to repay the loan amount, leading to legal action.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Case Type
Civil Suit
Final Judgment
No
Plaintiff entitled to realize a specific amount and interest from the defendant.
Why Plaintiff Won:
Unrebutted oral testimony and evidence established plaintiff's claim.
Unrebutted oral testimony and evidence established plaintiff's claim.
Losing Side's Weaknesses:
Unrebutted oral testimony and evidence established plaintiff's claim.
Unrebutted oral testimony and evidence established plaintiff's claim.
Supporting Evidence
Judgment Evidence:
null
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- State Bank of India, Ernakulam Branch
- Party Age
- 47
- Relation
- Represented by
- Party Role
- Defendant
- Party Name
- Mrs. Bindu K
- Party Age
- 47
- Relation
- D/o
Plaintiffs Documents
Original Xpress credit loan application, Original loan agreement letter, Original irrevocable standing instruction, Original personal loan agreement, Original sanction report, Statement of account in respect of account No.41436305571 along with certification, Office copy of the statutory notice, Original postal receipts, Track consignment report
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- V.K. Hema
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Gouri A.H.
- Appearance Type
- Main Counsel
Reliefs
Relief Type:
Money Recovery
Outcome:
Granted
Description:
Plaintiff entitled to realize loan amount and interest
Evidence:
Plaintiff's claims substantiated by plaintiff's evidence
Relief Type:
Interest Rate Adjustment
Outcome:
Not Decided
Description:
Plaintiff's interest claim not granted
Evidence:
Court decision not inclined to grant interest as claimed
Relief Type:
Costs Recovery
Outcome:
Granted
Description:
Plaintiff entitled to recover costs of the suit
Evidence:
Specific decree granted for recovery of costs
Documents & Evidence
Document Type:
Xpress Credit Loan Application
Submitted By:
Plaintiff
Relevance:
Original loan application by the defendant
Reference:
Ext.A1
Document Type:
Loan Agreement Letter
Submitted By:
Plaintiff
Relevance:
Original agreement letter for the loan
Reference:
Ext.A2
Document Type:
Irrevocable Standing Instruction
Submitted By:
Plaintiff
Relevance:
Original instruction regarding the loan
Reference:
Ext.A3
Document Type:
Personal Loan Agreement
Submitted By:
Plaintiff
Relevance:
Original agreement for personal loan
Reference:
Ext.A4
Document Type:
Sanction Report
Submitted By:
Plaintiff
Relevance:
Original report regarding loan sanction
Reference:
Ext.A5
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
Account statement for the loan account
Reference:
Ext.A6
Document Type:
Statutory Notice
Submitted By:
Plaintiff
Relevance:
Office copy of notice sent to defendant
Reference:
Ext.A7
Document Type:
Postal Receipts
Submitted By:
Plaintiff
Relevance:
Original receipts for postal communications
Reference:
Ext.A8
Document Type:
Track Consignment Report
Submitted By:
Plaintiff
Relevance:
Report regarding consignment tracking
Reference:
Ext.A9
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Ernakulam
State
Kerala
Court Establishment
Munsiff Court, Ernakulam
Common Reasons
Case Code
Case between State Bank of India, Ernakulam Branch vs Mrs. Bindu K regarding suit for realization of money
Case Code Year
Case between State Bank of India, Ernakulam Branch vs Mrs. Bindu K regarding suit for realization of money