Case Summary
The plaintiff, State Bank of India, claims that the defendant, Asmi Abdul Jaleel, failed to repay a loan amounting to ₹4,49,991. The court found the defendant liable for the loan amount due to her failure to appear.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Defendant is directed to pay ₹4,49,991 with interest at 6% per annum from the date of institution of the suit.
Case Type
Civil Suit
Final Judgment
No
The suit was decreed in favor of the plaintiff, ordering the defendant to pay the outstanding loan amount with interest.
Why Plaintiff Won:
The case of the plaintiff was proved through uncontested evidence.
The case of the plaintiff was proved through uncontested evidence.
Losing Side's Weaknesses:
The case of the plaintiff was proved through uncontested evidence.
The case of the plaintiff was proved through uncontested evidence.
Supporting Evidence
From the uncontested evidence of the PW1, I am of the opinion that the case of the plaintiff stands proved. There is no reason to disbelieve the evidence tendered by PW1.
Judgment Evidence:
In the result, the suit is decreed as follows: The defendant is directed to pay to the plaintiff, an amount of ₹4,49,991/- with interest at the rate of 6% per annum (simple interest) from the date of institution of the suit, till its realisation from the defendant or from assets of defendant.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- State Bank of India
- Relation
- represented by
- Party Role
- Defendant
- Party Name
- Asmi Abdul Jaleel
- Party Age
- 41
- Relation
- W/o
Plaintiffs Documents
Xpress Credit Loan Application Form, Personal Loan Agreement, Agreement Letter, Irrevocable Standing Instruction, Office copy of Lawyer Notice, Postal Receipt, Returned Postal Envelope, Computer print out of statement of account
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Anto Thomas Adipuzha
- Appearance Type
- Main Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The defendant is ordered to pay the plaintiff ₹4,49,991/- with interest.
Evidence:
The defendant is directed to pay to the plaintiff, an amount of ₹4,49,991/- with interest at the rate of 6% per annum (simple interest) from the date of institution of the suit, till its realisation from the defendant or from assets of defendant.
Relief Type:
Other
Outcome:
Granted
Description:
The plaintiff is entitled to the costs of the suit.
Evidence:
Considering the nature of the suit and circumstances surrounding the suit, the plaintiff is entitled to the costs of the suit from the defendant.
Documents & Evidence
Document Type:
Xpress Credit Loan Application Form
Submitted By:
Plaintiff
Relevance:
Used to establish the loan application of the defendant.
Reference:
Ext.A1
Document Type:
Personal Loan Agreement
Submitted By:
Plaintiff
Relevance:
Served as evidence for the agreement under which the defendant availed the loan.
Reference:
Ext.A2
Document Type:
Agreement Letter
Submitted By:
Plaintiff
Relevance:
Provided terms and conditions agreed upon by the defendant.
Reference:
Ext.A3
Document Type:
Irrevocable Standing Instruction
Submitted By:
Plaintiff
Relevance:
Indicated the borrower's instructions related to loan repayment.
Reference:
Ext.A4
Document Type:
Office copy of lawyer notice
Submitted By:
Plaintiff
Relevance:
Served as evidence that the defendant was notified of the claim.
Reference:
Ext.A5
Document Type:
Postal receipt
Submitted By:
Plaintiff
Relevance:
Demonstrated proof of sending legal correspondence to the defendant.
Reference:
Ext.A6
Document Type:
Returned Postal envelope
Submitted By:
Plaintiff
Relevance:
Showed that the notice sent to the defendant was undelivered.
Reference:
Ext.A7
Document Type:
Computer print out of statement of account for the period from 16.10.2020 to 15.11.2024
Submitted By:
Plaintiff
Relevance:
Provided details of transactions and the amount owed by the defendant.
Reference:
Ext.A8
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 vs Asmi Abdul Jaleel regarding realisation of money
Case Code Year
Case between State Bank of India vs Asmi Abdul Jaleel regarding realisation of money