Original Suit No. 265/2022

Case between Kerala Gramin Bank vs Mr.Neena Mathew et al regarding realisation of money

Court

The Court of the Principal Munsiff – I

Judge

Smt.Meera John K.

Order Date

2025-10-10

Duration

approximately-3 years 27 days

Case Closed

Fri, 10/10/2025 - 12:00

Judgement document from eCourt website

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Case Summary

The Kerala Gramin Bank filed a suit against the defendants for the recovery of an educational loan amount of Rs 2,34,000. The defendants defaulted on the loan repayment despite multiple demands from the bank.

Judgment Outcome

Judgment Favored

Plaintiff

Relief Granted

The plaintiff is entitled to realise an amount of Rs. 8,27,235.00 with interest at the rate of 12% per annum from the date of suit till the date of decree and with future interest at the rate of 6% from the date of decree till realisation.

Case Type

Civil Suit

Final Judgment

The suit is decreed in favor of the plaintiff, allowing the recovery of Rs 8,27,235 from the defendants with interest.

Why Plaintiff Won:
The unchallenged evidence confirmed the plaintiff's entitlement to the recovery of the amount due.

Losing Side's Weaknesses:
The unchallenged evidence confirmed the plaintiff's entitlement to the recovery of the amount due.

Supporting Evidence

The unchallenged evidence of PW1 to PW3 and Ext.A1 to A10 would show that the plaintiff is entitled to a decree as prayed for.

Judgment Evidence:

In the result, the suit is decreed as follows: 1The plaintiff is entitled to realise an amount of Rs. 8,27,235.00 from the defendants with interest...

Parties Involved

Parties

Party Role: Plaintiff
Party Name: Kerala Gramin Bank

Party Role: Defendant
Party Name: Mr.Neena Mathew
Party Age: 31
Relation: D/o

Party Role: Defendant
Party Name: Mrs.Lissy Mathew
Party Age: 70
Relation: W/o

Plaintiffs Documents

Loan application submitted by Neena Mathew, Educational loan agreement executed by Neena Mathew and Lissy Mathew in favour of Preetha M, Acknowledgment of debt and security issued from Neena Mathew.

Defendants Documents

Advocates

Party Role: Plaintiff
Advocate Name: Sri.A Girish Kumar
Appearance Type: Main Counsel

Party Role: Plaintiff
Advocate Name: Smt.Dhanya Pazhayoormannil
Appearance Type: Main Counsel

Party Role: Defendant
Advocate Name: Adv.Balkes PP
Appearance Type: Assisting Counsel

Reliefs

Relief Type: Recovery

Outcome: Granted

Description:

Plaintiff sought to recover the loan amount with interest.

Evidence:

In the result, the suit is decreed as follows: 1 The plaintiff is entitled to realise an amount of Rs. 8,27,235.00...with interest at the rate of 12% per annum from the date of suit till the date of decree and with future interest at the rate of 6% from the date of decree till realisation of decree amount.

Relief Type: Costs

Outcome: Granted

Description:

Plaintiff sought costs of the suit.

Evidence:

The plaintiff is also entitled to realise the costs of the suit from the defendants.

Documents & Evidence

Document Type: Loan Application

Submitted By: Plaintiff

Relevance:

Application submitted by Neena Mathew for the educational loan.

Reference:

Ext.A1

Document Type: Educational Loan Agreement

Submitted By: Plaintiff

Relevance:

Agreement executed by Neena Mathew and Lissy Mathew in favor of the bank.

Reference:

Ext.A2