Case Summary
The plaintiff, State Bank of India, sued the defendant, Johnson N.D, for failing to repay a sanctioned loan. The court found in favor of the plaintiff after the defendant remained absent.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
₹4,00,580.09 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, directing the defendant to repay ₹4,00,580.09 with interest. In case of default, the plaintiff is entitled to recover the amount from the defendant's assets.
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:
In the result, the suit is decreed directing the defendant to pay an amount of ₹4,00,580.09/- (Rupees Four Lakhs Five Hundred and Eighty point Zero Nine paise Only) 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
- Party Role
- Defendant
- Party Name
- Johnson N.D
- Party Age
- 54
- Relation
- S/o
Plaintiffs Documents
Original xpress credit loan application, Original loan agreement, Original loan arrangement letter, Original sanction report, Statement of account of the defendant bearing A/c no. 40097750951, Office copy of the lawyer notice issued to the defendant, Postal receipt, Track report
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- V.K.Hema
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Gowri A.H
- Appearance Type
- Assisting Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The plaintiff sought recovery of the outstanding loan amount along with interest.
Evidence:
The suit is decreed directing the defendant to pay an amount of ₹4,00,580.09/- with 9% interest per annum from the date of suit till the date of decree.
Relief Type:
Costs
Outcome:
Granted
Description:
Plaintiff entitled to costs of the litigation.
Evidence:
The plaintiff is also entitled for the costs of the litigation.
Documents & Evidence
Document Type:
Xpress Credit Loan Application
Submitted By:
Plaintiff
Relevance:
Proves the loan application made by the defendant.
Reference:
Ext.A1
Document Type:
Loan Agreement
Submitted By:
Plaintiff
Relevance:
Details the terms and conditions of the loan agreement.
Reference:
Ext.A2
Document Type:
Loan Arrangement Letter
Submitted By:
Plaintiff
Relevance:
Outlines the arrangement made for granting the loan.
Reference:
Ext.A3
Document Type:
Sanction Report
Submitted By:
Plaintiff
Relevance:
Confirms the sanctioning of the loan by the bank.
Reference:
Ext.A4
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
Shows the account details and outstanding amounts.
Reference:
Ext.A5
Document Type:
Lawyer Notice
Submitted By:
Plaintiff
Relevance:
Indicates the legal notice sent to the defendant regarding the loan default.
Reference:
Ext.A6
Document Type:
Postal receipt
Submitted By:
Plaintiff
Relevance:
Serves as proof of sending the legal notice.
Reference:
Ext.A7
Document Type:
Track Report
Submitted By:
Plaintiff
Relevance:
Provides tracking details of the dispatched notice.
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
Non-payment of rent
Case Code
Case between State Bank of India vs Johnson N.D regarding loan repayment
Case Code Year
Case between State Bank of India vs Johnson N.D regarding loan repayment