Case Summary
The State Bank of India filed a suit against Vinod Cleetus for the recovery of a loan amount. The defendant failed to repay the loan and did not appear in court.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
The defendant is directed to pay an amount of 7,34,229/- with interest at the rate of 6% per annum.
Case Type
Civil Suit
Final Judgment
No
The court decreed the suit in favor of the plaintiff, ordering the defendant to pay the outstanding loan amount with interest.
Why Plaintiff Won:
The evidence presented by the plaintiff was uncontested and credible.
The evidence presented by the plaintiff was uncontested and credible.
Losing Side's Weaknesses:
The evidence presented by the plaintiff was uncontested and credible.
The evidence presented by the plaintiff was uncontested and credible.
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 7,34,229/- with interest at the rate of 6% per annum.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- State Bank of India
- Relation
- represented by its Branch Manager, Paulose P K
- Party Role
- Defendant
- Party Name
- Vinod Cleetus
- Party Age
- 53
Plaintiffs Documents
Xpress Credit Loan Application Form, Arrangement letter, Statement of Account, Certificate u/s. 63 of the Bharathiya Sakshya Adhiniyam 2023, Office copy of Legal Notice, Personal Loan Agreement, Postal Acknowledgment Card
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
- Party Role
- Plaintiff
- Advocate Name
- Durga Parvathy
- Appearance Type
- Assisting Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The defendant is directed to pay an amount of 7,34,229/- to the plaintiff with interest.
Evidence:
The defendant is directed to pay to the plaintiff, an amount of 7,34,229/- (Rupees seven lakh thirty four thousand two hundred and twenty nine 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.
Relief Type:
Other
Outcome:
Granted
Description:
The plaintiff shall be entitled to costs of the suit from the defendant.
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:
This document was submitted as part of the evidence showing the loan application by the defendant.
Reference:
Ext.A1
Document Type:
Arrangement Letter
Submitted By:
Plaintiff
Relevance:
This document was provided to support the arrangement made for the loan by the defendant.
Reference:
Ext.A2
Document Type:
Statement of Account for the period from 24.02.2023 to 04.03.2025
Submitted By:
Plaintiff
Relevance:
This document details the financial transactions pertaining to the loan account.
Reference:
Ext.A3
Document Type:
Certificate u/s. 63 of the Bharathiya Sakshya Adhiniyam 2023
Submitted By:
Plaintiff
Relevance:
This certificate was used to validate the authenticity of the documents submitted.
Reference:
Ext.A3(a)
Document Type:
Certificate u/s. 2A(A), 2A(B) & 2A(C) of the Bankers Book of Evidence Act 1891
Submitted By:
Plaintiff
Relevance:
This certificate reinforces the credibility of the bank's records relevant to the case.
Reference:
Ext.A3(b)
Document Type:
Office copy of legal notice
Submitted By:
Plaintiff
Relevance:
This legal notice was part of the evidence indicating a demand for repayment from the defendant.
Reference:
Ext.A4
Document Type:
Personal Loan Agreement
Submitted By:
Plaintiff
Relevance:
This agreement outlines the terms under which the loan was granted to the defendant.
Reference:
Ext.A5
Document Type:
Postal Acknowledgment Card
Submitted By:
Plaintiff
Relevance:
This card serves as proof of delivery of documents or notices to the defendant.
Reference:
Ext.A6
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 Vinod Cleetus regarding money recovery
Case Code Year
Case between State Bank of India vs Vinod Cleetus regarding money recovery