Debts Recovery Tribunals and Appellate Tribunals
UNION BANK OF INDIA vs M/S JASSAL GARMENTS on 19 August 2026
Before SUSHIL KUMAR RASTOGI, presiding Officer Debts Recovery Tribunal-Il, Delhi TA No.1417 OF 2022
UNION BANK OF INDIA VS M/S JASSAT GARMENTS &
oRs
Reseryed on
t 09.07.2026
Pronounced on : 19.08.2O26
Union Bank of India
Vs.
1. M/s Jassal Garments
2. Ms. Neha Jassa!
-Applicant bank
- Defendants
Present: Mr. Naman Shulka, Counsel appears for applicant bank.
Defendants are exparte, since, 26.06.2025.
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FINAL ORDER
This original application has been filed by the applicant ban( on 04.0L.2020 through Ms. pallavi Mitra, Manager of the applicant ban( under Section 19 of the RDB Act, 1993 against the defendants for recovery of a sum of Rs.57,34,661.15 with future interest @12.50o/o per annum with monthly rest of Working Gpital CC Account & interest @14.600lo per annum with monthly rests of Term Loan/DPGL Limit from date of filing of this O.A. till the realization in full.
2. The brief facts of the case are that at the request of defendant no.2 is the proprietor of the defendant no.1, the applicant bank sanctioned a Cash Credit Limit Facility of Rs.50 Lakh and Term Loan Facility of Rs.13.70 Lakhs, SJ.
TANO. 1417 of2022 z vide sanction letter dated 22.03.2016. The defendants executed all necessary loaning documents on 06.04.2016. The defendant no.2 stood as guarantor and also executed a letter of guarantee dated 06.04.2016. Again, at the request of defendants, the applicant bank renewed/sanctioned Credit Facility i.e., Working Capital Limits of Rs.50 Lakh and Term Loan/DpGL Limit of Rs.13.70 Lakh for business purpose, vide sanction letter dated 01.08.2017. Again, atthe request ofdefendanf the applicant bank renewed/sanctioned the credit facilities, vide sanction letter dated 05.02.2018. The defendants executed ali necessary loaning documents on 23.02.2078. I
3. It is further submitted that the defendants enjoyed and utilized the Loan facilities, but failed to maintain the financial discipline and failed to repay the due amounts. The applicant bank requested the defendants to regularize the loan account by visits and letters, but there was no response from the defendants. Hence, the account was classified as NPA dated 28.09.2019. The applicant bank served a recall notice dated 22.L2.2019 to the defendants but failed to recover the same Thus, the present O.A.{[.A. is preferred by the applicant bank to recover its dues.
4. On notice by this Tribunal, defendants failed to put appearance at all, despite publication. Accordingly, the defendahts were proceeded against exparte on 26.06.202s. o-
TANO. l4l7 of2022
5. The applicant bank has filed evidence by way of affidavit of Ms. Pallavi Mitra, Manager of the applicant bank as Annexure A-1 to Annexure A-35, which have gone unchallenged and un-rebufted. Hence, the case of the applicant stands fully established against the defendants with respect to nonpayment of outstanding amount.
6. After perusing the records, this Tribunal is of the view that the applicant bank has proved its case beyond reasonable doubls. The evidence and documents filed by the applicant bank not rebutted by the defendants by not placing any evidence and there is no question of disbelieving the evidence and documents filed by the applicant bank based upon the written/printed documents. In the light of the above discussions, the present T.A. deserues to be allowed.
ORDER
1) I hereby allow this T.A. of the applicant bank and direct the defendant nos.1 and 2 to pay jointly and severally to the applicant bank within 30 days from today, a sum of Rs.57,34,661.15 along with cost, expenses and interest @12.50o/o from the date of filing of this O.A. which has become T.A till the date of realization.
2) In case of failure to deposit the above amount within the stipulated period, the.game shall be recovered rgl TANO. 1417 of2022
from the sale of personal movable and immovable assets of the defendant nos.1 and 2.
3) Recovery Certificate be issued fofthwith and be sent to Recovery Officer, Debts Recovery Tribunal-Il, Delhi.
4) The registry of this Tribunal is hereby directed to issue free copy of the order and send the same to both the parties.
5) Parties are directed to appear before the Ld. Recovery Officer, DRT-II, Delhi on 19.10.2026. Pending IAs, if any, stand disposed of. Fib be consigned to records. Date : 19.08.2026 ,^ (susHrl KUMAR RASTOGT) PRESIDING OFFICER DRT-II, Delhi This judgement has been signed, dated and pronounced in open couft. Date : 19.08.2026 -s) (susHrl KUfiAR RASIOGT) PRESIDING OFFICER DRT-II, Delhi