Case Summary
The plaintiff, State Bank of India, is seeking to realize an outstanding loan amount from the defendant, Shyja.B.L, who defaulted on her loan payments. The court found in favor of the plaintiff based on the evidence presented.
Judgment Outcome
Judgment Favored
Plaintiff
Relief Granted
Plaintiff is entitled to realize an amount of Rs. 7,14,467/- along with interest and penalties.
Case Type
Civil Suit
Final Judgment
No
The court decreed the suit, allowing the plaintiff to realize the total amount due from the defendant along with applicable interest. The defendant was found to have defaulted on the loan agreement.
Why Plaintiff Won:
Plaintiff's unchallenged evidence proves its case and entitlement to a decree.
Plaintiff's unchallenged evidence proves its case and entitlement to a decree.
Losing Side's Weaknesses:
Plaintiff's unchallenged evidence proves its case and entitlement to a decree.
Plaintiff's unchallenged evidence proves its case and entitlement to a decree.
Supporting Evidence
Plaintiff's unchallenged evidence proves its case and it is entitled to a decree to realise the amount from the defendant.
Judgment Evidence:
In the result, the suit is decreed with costs as per the following terms: Plaintiff is entitled to realise an amount of Rs. 7,14,467/- (Rupees Seven lakhs Fourteen thousand Four hundred and Sixty Seven only)...
Parties Involved
Parties
- Party Role
- Plaintiff
- Party Name
- State Bank of India
- Relation
- represented by its Branch Manager, Akhil.M.S
- Party Role
- Defendant
- Party Name
- Shyja.B.L
- Party Age
- 40
- Relation
- W/o Jyothish
Plaintiffs Documents
Original loan application, Original arrangement letter, Original standing instruction report, Personal loan agreement, Copy of demand notice, Original acknowledgment card, Statement of account with certificate, Statement of accounts along with certificate.
Defendants Documents
Advocates
- Party Role
- Plaintiff
- Advocate Name
- Smt.Sreeja Sasidharan
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Smt.Haripriya.J
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Smt.Hema.S.V
- Appearance Type
- Main Counsel
- Party Role
- Plaintiff
- Advocate Name
- Smt.Priya.L
- Appearance Type
- Main Counsel
Reliefs
Relief Type:
Recovery
Outcome:
Granted
Description:
Plaintiff is entitled to realise an amount of Rs.7,14,467/- from the defendant with interest.
Evidence:
Thus, the suit is decreed with costs as per the following terms: 1. Plaintiff is entitled to realise an amount of Rs. 7,14,467/- (Rupees Seven lakhs Fourteen thousand Four hundred and Sixty Seven only) from the defendant as on 12.01.2023 with interest at the rate of 12.1% per annum with monthly rests along with penal interest at the rate of 2% per annum including accrued interest till date of realization.
Relief Type:
Recovery
Outcome:
Granted
Description:
Plaintiff is entitled to realise an amount of Rs.500/- + GST for the non-credit of EMI.
Evidence:
2. Plaintiff is entitled to realise an amount of Rs.500/- + GST since the EMI is not credited in the loan account of the defendant on due date.
Documents & Evidence
Document Type:
Loan Application
Submitted By:
Plaintiff
Relevance:
Original loan application dated 06.08.2020.
Reference:
Ext.A1
Document Type:
Arrangement Letter
Submitted By:
Plaintiff
Relevance:
Original arrangement letter dated 06.08.2020.
Reference:
Ext.A2
Document Type:
Standing Instruction Report
Submitted By:
Plaintiff
Relevance:
Original of the standing instruction report dated 06.08.2020.
Reference:
Ext.A3
Document Type:
Personal Loan Agreement
Submitted By:
Plaintiff
Relevance:
Personal loan agreement dated 06.08.2020.
Reference:
Ext.A4
Document Type:
Demand Notice
Submitted By:
Plaintiff
Relevance:
Copy of demand notice dated 18.02.2022.
Reference:
Ext.A5
Document Type:
Acknowledgment card
Submitted By:
Plaintiff
Relevance:
Original acknowledgment card dated 19.02.2022.
Reference:
Ext.A6
Document Type:
Statement of account with certificate
Submitted By:
Plaintiff
Relevance:
Statement of account with certificate dated 17.01.2023.
Reference:
Ext.A7
Document Type:
Statement of Accounts along with Certificate
Submitted By:
Plaintiff
Relevance:
Statement of accounts along with certificate dated 06.03.2025.
Reference:
Ext.A8
Case Classification
Case Type
Civil Suit
Category
Money and Loan Recovery
District
Thiruvananthapuram
State
Kerala
Court Establishment
Munsiff Court Thiruvananthapuram
Common Reasons
Non-payment of rent
Case Code
OS.NO.
Case Code Year
2023