Case Summary
Kerala Gramin Bank is the plaintiff seeking to recover a loan amount from Nirmala Simon who has defaulted on repayments. The court found in favor of the bank, granting them the amount owed plus interest.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
The plaintiff is entitled to realize `82,485/- with 12% interest from the date of suit till the date of decree and 6% interest from the date of decree till realization.
Case Type
Civil Suit
Final Judgment
No
The court decreed in favor of Kerala Gramin Bank, allowing them to recover the dues from Nirmala Simon.
Why Plaintiff Won:
The plaintiff established that the defendant defaulted on the loan repayment.
The plaintiff established that the defendant defaulted on the loan repayment.
Losing Side's Weaknesses:
The plaintiff established that the defendant defaulted on the loan repayment.
The plaintiff established that the defendant defaulted on the loan repayment.
Supporting Evidence
The court is of the view that the plaintiff bank has established that the plaintiff bank is entitled to realize the amount claimed in the suit with interest.
Judgment Evidence:
In the result, suit is decreed as follows: 1. The plaintiff is entitled to realize `82,485/- (Rupees Eighty Two Thousand Four Hundred and Eighty Five only) with 12% interest from the date of suit till the date of decree and 6% interest from the date of decree till realization.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- Kerala Gramin Bank
- Relation
- represented by
- Party Role
- Defendant
- Party Name
- Nirmala Simon
- Party Age
- 48
- Relation
- W/o
Plaintiffs Documents
Loan application dated 15/11/2013, Promissory note dated 15/11/2013, Delivery letter to DPN dated 15/11/2013, Acknowledgment of debt dated 15/10/2016, Acknowledgment of debt dated 06/02/2019, Acknowledgment of debt dated 22/02/2021, Statement of account.
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Sri. V. Ajayakumar
- Appearance Type
- Main Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
The plaintiff is entitled to recover the amount claimed with interest.
Evidence:
the plaintiff bank is entitled to realize the amount claimed in the suit with interest.
Relief Type:
Other
Outcome:
Granted
Description:
The plaintiff is granted costs of the suit.
Evidence:
the plaintiff bank can be permitted to realize costs of the proceeding from the defendant.
Documents & Evidence
Document Type:
Loan Application
Submitted By:
Plaintiff
Relevance:
This document was submitted as part of the evidence to establish the loan granted to the defendant.
Reference:
Ext.A1
Document Type:
Promissory Note
Submitted By:
Plaintiff
Relevance:
This promissory note was executed by the defendant as security for the loan amount.
Reference:
Ext.A2
Document Type:
Delivery letter to DPN
Submitted By:
Plaintiff
Relevance:
This document indicates the delivery of the promissory note to the defendant.
Reference:
Ext.A3
Document Type:
Acknowledgment of Debt
Submitted By:
Plaintiff
Relevance:
This acknowledgment was used to show the defendant's recognition of the debt as of the specified date.
Reference:
Ext.A4
Document Type:
Acknowledgment of Debt
Submitted By:
Plaintiff
Relevance:
This is another acknowledgment document that helps establish the timeline of the debt.
Reference:
Ext.A5
Document Type:
Acknowledgment of Debt
Submitted By:
Plaintiff
Relevance:
This acknowledgment also supports the claim that the defendant recognized the debt.
Reference:
Ext.A6
Document Type:
Statement of Account
Submitted By:
Plaintiff
Relevance:
This statement provides a detailed account of the financial transactions related to the loan.
Reference:
Ext.A7
Document Type:
Copy of Advocate Notice
Submitted By:
Plaintiff
Relevance:
This notice was sent to the defendant to inform them of the debt and the subsequent legal action.
Reference:
Ext.A8
Document Type:
Postal receipt
Submitted By:
Plaintiff
Relevance:
This document serves as proof of sending the advocate notice to the defendant.
Reference:
Ext.A9
Document Type:
Postal Acknowledgement Card
Submitted By:
Plaintiff
Relevance:
This card confirms that the notice sent by the plaintiff was received.
Reference:
Ext.A10
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Thiruvananthapuram
State
Kerala
Court Establishment
Munsiffs Court, Varkala
Common Reasons
Non-payment of rent
Case Code
Case between Kerala Gramin Bank vs Nirmala Simon regarding realization of money
Case Code Year
Case between Kerala Gramin Bank vs Nirmala Simon regarding realization of money