Case Summary
The case involves Kerala Gramin Bank, which is seeking to recover a loan amount from the defendants, Sreedevi Amma.D and Vinod O.Nair, who defaulted on their repayments. The defendants did not respond to the lawsuit, leading to a default judgment in favor of the bank.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Plaintiff is allowed to realise ₹35,877/- and interest at the rate of 15% per annum.
Case Type
Civil Suit
Final Judgment
No
The court ruled in favor of the plaintiff, allowing them to recover the total due amount along with interest from the defendants. The defendants were found to owe the specified sum due to their failure to repay the loan as agreed.
Why Plaintiff Won:
The evidence presented by the plaintiff was unchallenged as the defendants were set ex parte.
The evidence presented by the plaintiff was unchallenged as the defendants were set ex parte.
Losing Side's Weaknesses:
The evidence presented by the plaintiff was unchallenged as the defendants were set ex parte.
The evidence presented by the plaintiff was unchallenged as the defendants were set ex parte.
Supporting Evidence
The evidence of the plaintiff is unchallenged because the defendants were set ex parte and PW1 was not cross-examined.
Judgment Evidence:
In the result, suit is decreed with costs as follows: 1.Plaintiff is allowed to realise ₹35,877/- from the defendants and their assets. 2.Plaintiff is allowed to realise interest at the rate of 15% per annum with monthly rests from 03/01/2019 till the date of decree.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- Kerala Gramin Bank
- Party Role
- Defendant
- Party Name
- Sreedevi Amma.D
- Party Age
- 63
- Relation
- W/o
- Party Role
- Defendant
- Party Name
- Vinod O.Nair
- Party Age
- 36
- Relation
- S/o
Plaintiffs Documents
Loan Application, Intimation of Terms and Conditions of Loans sanctioned, Pronote, Take Delivery Letter to DPN, Acknowledgment of Debt and Security, Certified copy of Statement of Accounts
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Smt. Anithas Jacob
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Sri. Sajan Binu. V.J
- Appearance Type
- Assisting Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
Plaintiff is allowed to realize ₹35,877/- from the defendants and their assets.
Evidence:
In the result, suit is decreed with costs as follows: 1.Plaintiff is allowed to realise ₹35,877/- from the defendants and their assets.
Relief Type:
Interest
Outcome:
Granted
Description:
Plaintiff is allowed to realize interest at the rate of 15% per annum with monthly rests from 03/01/2019 till the date of decree.
Evidence:
2.Plaintiff is allowed to realise interest at the rate of 15% per annum with monthly rests from 03/01/2019 till the date of decree.
Relief Type:
Interest
Outcome:
Granted
Description:
Plaintiff is allowed to realize future interest at the rate of 6% per annum from the date of decree till realization.
Evidence:
3.Plaintiff is allowed to realise future interest at the rate of 6% per annum from the date of decree till realisation.
Relief Type:
Recovery
Outcome:
Granted
Description:
Plaintiff is allowed to realize the costs of the suit from the defendants and their assets.
Evidence:
4.Plaintiff is allowed to realise the costs of the suit from the defendants and their assets.
Documents & Evidence
Document Type:
Loan Application
Submitted By:
Plaintiff
Relevance:
This document was submitted as evidence of the loan applied for by the defendants.
Reference:
Ext.A1
Document Type:
Intimation of Terms and Conditions of Loans sanctioned
Submitted By:
Plaintiff
Relevance:
This document outlines the terms and conditions that were accepted by the defendants regarding the loan.
Reference:
Ext.A2
Document Type:
Pronote
Submitted By:
Plaintiff
Relevance:
This document serves as a promissory note affirming the defendants' obligation to repay the loan.
Reference:
Ext.A3
Document Type:
Take Delivery Letter to DPN
Submitted By:
Plaintiff
Relevance:
This document evidences the delivery of the loan amount to the defendants.
Reference:
Ext.A4
Document Type:
Acknowledgment of Debt and Security
Submitted By:
Plaintiff
Relevance:
This document is an acknowledgment of the debt by the defendants, establishing their liability.
Reference:
Ext.A5
Document Type:
Acknowledgment of Debt and Security
Submitted By:
Plaintiff
Relevance:
This document is another acknowledgment of the debt by the defendants, further confirming their obligation.
Reference:
Ext.A6
Document Type:
Certified copy of statement of accounts
Submitted By:
Plaintiff
Relevance:
This document contains the financial statement indicating the outstanding amount due from the defendants.
Reference:
Ext.A7
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Thiruvananthapuram
State
Kerala
Court Establishment
Munsiff Court Thiruvananthapuram
Common Reasons
Recovery of money
Case Code
Case between Kerala Gramin Bank vs Sreedevi Amma.D et al regarding recovery of loan amount.
Case Code Year
Case between Kerala Gramin Bank vs Sreedevi Amma.D et al regarding recovery of loan amount.