Case Summary
State Bank of India filed a suit against Usha Pavithran for failing to repay a loan. The court found that the defendant owed ₹2,90,422 to the plaintiff.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Defendant is directed to pay ₹2,90,422 with interest at the rate of 6% per annum.
Case Type
Civil Suit
Final Judgment
No
Why Plaintiff Won:
The case of the plaintiff stands proved based on uncontested evidence.
The case of the plaintiff stands proved based on uncontested evidence.
Judgment Evidence:
In the result, the suit is decreed as follows: I. The defendant is directed to pay to the plaintiff, an amount of ₹2,90,422/- (Rupees two lakh ninety thousand four hundred and twenty two only) 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
Plaintiffs
State Bank of India (Age not specified years)
Lisie Hospital Junction, Kaloor P.O, 682 018, Ernakulam
Defendants
Usha Pavithran (50 years years)
Vattathara House, Near Ajantha Library Valappu, Elamkumnnapuzha, Ernakulam, Pin - 682 511
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The plaintiff is entitled to recover an amount of ₹2,90,422/- from the defendant.
Evidence:
the plaintiff is entitled to recover the same from the defendant, with interest from the date of suit.
Relief Type:
Other
Outcome:
Granted
Description:
The plaintiff is entitled to the costs of the suit from the defendant.
Evidence:
the plaintiff is entitled to the costs of the suit from the defendant.
Documents & Evidence
Document Type:
X press Credit loan Application Form
Submitted By:
Plaintiff
Relevance:
This document was submitted to prove the loan application made by the defendant.
Reference:
Ext.A1
Document Type:
Computer print out of Loan Application
Submitted By:
Plaintiff
Relevance:
This document was marked subject to proof to support the loan application claim.
Reference:
Ext.A2
Document Type:
Irrevocable letter of Authority
Submitted By:
Plaintiff
Relevance:
These documents served as authority related to the loan agreement.
Reference:
Ext.A3 to A4
Document Type:
Obtention of NOC
Submitted By:
Plaintiff
Relevance:
This document was submitted to demonstrate that the necessary NOC was obtained.
Reference:
Ext.A5
Document Type:
Salary Slip
Submitted By:
Plaintiff
Relevance:
These documents supported the income verification of the defendant.
Reference:
Ext.A6 to A8(h)
Document Type:
Salary Certificate
Submitted By:
Plaintiff
Relevance:
This document provided proof of salary for the defendant.
Reference:
Ext.A9
Document Type:
Post Sanction Inspection Report for Personal Loan
Submitted By:
Plaintiff
Relevance:
This report was used to verify the status of the loan post sanction.
Reference:
Ext.A10
Document Type:
Letter from Employer
Submitted By:
Plaintiff
Relevance:
This letter verified the employment status of the defendant.
Reference:
Ext.A11
Document Type:
Sanction letter
Submitted By:
Plaintiff
Relevance:
This letter confirmed the sanctioning of the loan to the defendant.
Reference:
Ext.A12
Document Type:
Arrangement Letter
Submitted By:
Plaintiff
Relevance:
This document outlined the arrangement regarding the loan.
Reference:
Ext.A13
Document Type:
Personal Loan Agreement
Submitted By:
Plaintiff
Relevance:
This agreement contained the terms and conditions of the loan.
Reference:
Ext.A14
Document Type:
Letter of Consent
Submitted By:
Plaintiff
Relevance:
This letter indicated the consent of relevant parties involved in the loan.
Reference:
Ext.A15
Document Type:
S.I Report
Submitted By:
Plaintiff
Relevance:
This report detailed information relevant to the suit.
Reference:
Ext.A16
Document Type:
True copy of the lawyer notice
Submitted By:
Plaintiff
Relevance:
This document was a formal notice sent from the lawyer regarding the case.
Reference:
Ext.A17
Document Type:
Postal receipt
Submitted By:
Plaintiff
Relevance:
This receipt was used to confirm mailing of documents relevant to the case.
Reference:
Ext.A18
Document Type:
Returned Postal envelope
Submitted By:
Plaintiff
Relevance:
This envelope was returned and was part of the case evidence.
Reference:
Ext.A19
Document Type:
Computer print out of discharge Quote
Submitted By:
Plaintiff
Relevance:
This printout was subject to proof to validate the discharge quote of the loan.
Reference:
Ext.A20
Document Type:
Computer print out of the Statement of account
Submitted By:
Plaintiff
Relevance:
This statement provided a detailed account of the financial transactions related to the loan.
Reference:
Ext.A21