Case Summary
The plaintiff, Punjab National Bank, is seeking to recover defaulted education loan amounts from the defendants who failed to repay the loan. The case was heard and a judgment was delivered on 30th June 2025.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Plaintiff is allowed to realise ₹7,37,818.99/- from the defendants and their assets along with interest.
Case Type
Civil Suit
Final Judgment
No
The suit is decreed in favor of the plaintiff, allowing them to recover the claimed loan amount along with interest and costs.
Why Plaintiff Won:
The plaintiff provided unchallenged evidence as the defendants were ex parte.
The plaintiff provided unchallenged evidence as the defendants were ex parte.
Losing Side's Weaknesses:
The plaintiff provided unchallenged evidence as the defendants were ex parte.
The plaintiff provided unchallenged evidence as the defendants were 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 ₹7,37,818.99/- from the defendants and their assets.
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- Punjab National Bank
- Party Role
- Defendant
- Party Name
- Balagoapal.S.
- Party Age
- 27
- Relation
- S/o
- Party Role
- Defendant
- Party Name
- Sanil Kumar.S.
- Party Age
- 58
- Relation
- S/o
- Party Role
- Defendant
- Party Name
- Suchitra.S.
- Party Age
- 52
Plaintiffs Documents
Loan application, Sanction letter, Agreement of term loan for education, Common agreement, Balance and security confirmation, Copy of Advocate Notice, Certified copy of statement of accounts
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Smt. Anithas Jacob
- Appearance Type
- Main Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
Plaintiff is allowed to realise ₹7,37,818.99/- from the defendants and their assets.
Evidence:
In the result, suit is decreed with costs as follows: 1. Plaintiff is allowed to realise ₹7,37,818.99/- from the defendants and their assets.
Relief Type:
Interest
Outcome:
Granted
Description:
Plaintiff is allowed to realise interest at the rate of 13.95% per annum with monthly rests from 01/12/2019 till the date of decree.
Evidence:
2. Plaintiff is allowed to realise interest at the rate of 13.95% per annum with monthly rests from 01/12/2019 till the date of decree.
Relief Type:
Interest
Outcome:
Granted
Description:
Plaintiff is allowed to realise future interest at the rate of 6% per annum from the date of decree till realisation.
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:
Costs
Outcome:
Granted
Description:
Plaintiff is allowed to realise 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 used to establish the initial application for the loan.
Reference:
Ext.A1
Document Type:
Sanction letter
Submitted By:
Plaintiff
Relevance:
This document was used to show the approval of the loan amount.
Reference:
Ext.A2
Document Type:
Agreement of term loan for education
Submitted By:
Plaintiff
Relevance:
This document outlined the terms and conditions of the loan agreement.
Reference:
Ext.A3
Document Type:
Common agreement
Submitted By:
Plaintiff
Relevance:
This document is related to the overall agreement between the parties.
Reference:
Ext.A4
Document Type:
Balance and security confirmation
Submitted By:
Plaintiff
Relevance:
This document confirms the balance and security related to the loan.
Reference:
Ext.A5
Document Type:
Balance and security confirmation
Submitted By:
Plaintiff
Relevance:
This document further confirms the balance and security related to the loan.
Reference:
Ext.A6
Document Type:
Copy of Advocate Notice
Submitted By:
Plaintiff
Relevance:
This document was used to show that prior notice was given to the defendants.
Reference:
Ext.A7
Document Type:
Postal Receipts
Submitted By:
Plaintiff
Relevance:
This document proves communication attempts regarding the loan.
Reference:
Ext.A8
Document Type:
Certified copy of statement of accounts
Submitted By:
Plaintiff
Relevance:
This document provides the financial history of the loan account.
Reference:
Ext.A9
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 Punjab National Bank vs Balagoapal.S. et al regarding realisation of money
Case Code Year
Case between Punjab National Bank vs Balagoapal.S. et al regarding realisation of money