Case Summary
State Bank of India filed a suit against Ann Mary Sunny Pallan and Jancy Sunny for the recovery of an outstanding education loan amount. The defendants failed to repay the loan, resulting in the account being classified as a Non-Performing Asset.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Defendants ordered to pay ₹6,26,164 with 9% interest 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 repay the outstanding loan amount along with interest. The defendants were found to be absent during the proceedings, leading to the ex-parte decision.
Why Plaintiff Won:
The unchallenged proof affidavit and documents satisfactorily proved the plaint claim.
The unchallenged proof affidavit and documents satisfactorily proved the plaint claim.
Losing Side's Weaknesses:
The unchallenged proof affidavit and documents satisfactorily proved the plaint claim.
The unchallenged proof affidavit and documents satisfactorily proved the plaint claim.
Supporting Evidence
The unchallenged proof affidavit and documents would satisfactorily prove the plaint claim.
Judgment Evidence:
The suit is decreed directing the defendant to pay an amount of 6,26,164/- with 9% interest per annum from the date of suit till the date of decree.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- State Bank of India
- Relation
- represented by its Manager Indu T, W/o Biju P.K
- Party Role
- Defendant
- Party Name
- Ann Mary Sunny Pallan
- Party Age
- 27
- Relation
- D/o Sunny Pallan
- Party Role
- Defendant
- Party Name
- Jancy Sunny
- Party Age
- 56
- Relation
- W/o Sunny Pallan
Plaintiffs Documents
Application cum appraisal form for Educational loan, Arrangement letter for Term loan, Agreement for term loan, Copy of the lawyer notice, Statement of account maintained by the plaintiff.
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Thomas T Varghese
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Achu Subja Abraham
- Appearance Type
- Assisting Counsel
- Party Role
- Plaintiff
- Advocate Name
- Aravind Samson
- Appearance Type
- Assisting Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
Plaintiff sought recovery of the outstanding loan amount.
Evidence:
The suit is decreed directing the defendant to pay an amount of 6,26,164/- with 9% interest per annum from the date of suit till the date of decree.
Relief Type:
Costs
Outcome:
Granted
Description:
Plaintiff sought costs of the litigation.
Evidence:
The plaintiff is also entitled to the costs of the litigation.
Documents & Evidence
Document Type:
Application cum appraisal form for Educational loan
Submitted By:
Plaintiff
Relevance:
Submitted by the defendant as part of the loan application process.
Reference:
Ext.A1
Document Type:
Arrangement letter for Term loan under Educational loan schemes
Submitted By:
Plaintiff
Relevance:
Details the terms of the loan provided to the defendants.
Reference:
Ext.A2
Document Type:
Agreement for term loan under Educational loan schemes
Submitted By:
Plaintiff
Relevance:
Executed agreement detailing the obligations of the defendants.
Reference:
Ext.A3
Document Type:
Copy of the lawyer notice
Submitted By:
Plaintiff
Relevance:
Notice issued to the defendants regarding the outstanding loan.
Reference:
Ext.A4
Document Type:
Notice addressed to defendant
Submitted By:
Plaintiff
Relevance:
Notice returned unserved indicating the defendants could not be reached.
Reference:
Ext.A5
Document Type:
Notice addressed to defendant
Submitted By:
Plaintiff
Relevance:
Another notice that was returned unserved, further confirming inability to reach defendants.
Reference:
Ext.A6
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
Document showing the financial details of the loan account until the specified date.
Reference:
Ext.A7
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 State Bank of India et al vs Ann Mary Sunny Pallan et al regarding recovery of money
Case Code Year
Case between State Bank of India et al vs Ann Mary Sunny Pallan et al regarding recovery of money