Kerala High Court
RSA/577/2023 of HDFC BANK LTD Vs KAMATH JYOTSNA JAYACHANDRA on 10 April 2025
OF 2023 1 2025:KER:31208 IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR. JUSTICE M.A.ABDUL HAKHIM THURSDAY, THE 10TH DAY OF APRIL 2025 / 20TH CHAITHRA, 1947 RSA NO. 577 OF 2023 AGAINST THE JUDGMENT DATED 28.01.2023 IN AS NO.63 OF 2020 OF ADDITIONAL DISTRICT COURT - VIII,
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR. JUSTICE M.A.ABDUL HAKHIM
THURSDAY, THE 10TH DAY OF APRIL 2025 / 20TH CHAITHRA, 1947
RSA NO. 577 OF 2023
AGAINST THE JUDGMENT DATED 28.01.2023 IN AS NO.63 OF 2020 OF
ADDITIONAL DISTRICT COURT - VIII, ERNAKULAM
ARISING OUT OF THE JUDGMENT DATED 30.11.2019 IN OS NO.285 OF 2017
OF II ADDITIONAL MUNSIFF COURT, ERNAKULAM
APPELLANT/APPELLANT/1ST DEFENDANT:
HDFC BANK LTD
SUDHAS BUILDING, GROUND FLOOR, MADHAVA PHARMACY JUNCTION, KOCHI- - 682035 REPRESENTED BY ITS MANAGER
BY ADVS.
R.S.KALKURA
M.S.KALESH
HARISH GOPINATH
P.I.NAJUMAL HUSSAIN
RESPONDENTS/RESPONDENTS/PLAINTIFF 1 & 2 & 2ND DEFENDANT:
KAMATH JYOTSNA JAYACHANDRA
AGED 32 YEARS
D/O. RAYA KAMATH JAYACHANDRA KAMATH, RESIDING AT XL/6503, T.D. ROAD, NORTH END, KANAYANNUR TALUK, ERNAKULAM, COLLEGE
P.O., COCHIN-682 035 AT PRESENT RESIDING AT 3, PAINTED GROVE
CT.MISSOURI CITY, TEXAS-77459, REPRESENTED BY HER POWER OF
ATTORNEY HOLDER JAYACHANDRA KAMATH, AGED 69 YEARS, S/O.
RAYAKAMATH, RESIDING AT XL/6503, T.D. ROAD, NORTH END, KANAYANNUR TALUK, ERNAKULAM, COLLEGE P.O., COCHIN, PIN - 682035
JAIRAM, JAYACHANDRA KAMATH
AGED 28 YEARS
S/O. RAYAKAMATH JAYACHANDRA KAMATH, RESIDING AT XL/6503, T.D. ROAD, NORTH END, KANAYANNUR TALUK, ERNAKULAM, COLLEGE
P.O., COCHIN-682 035 AT PRESENT RESIDING AT 3, PAINTED GROVE
CT. MISSOURI CITY, TEXAS-77459, REPRESENTED BY HER POWER OF
ATTORNEY HOLDER JAYACHANDRA KAMATH, AGED 69 YEARS, S/O.
RAYAKAMATH, RESIDING AT XL/6503, T.D. ROAD, NORTH END, KANAYANNUR TALUK, ERNAKULAM, COLLEGE P.O., COCHIN, PIN - 682035
KRITHIKA KAMATH
AGED 27 YEARS
D/O. SURESH KAMATH, FLAT NO. A1 EXPRESS TOWERS, KALOOR, KANAYANNUR TALUK, ERNAKULAM DISTRICT COCHIN, PIN - 682017
ADDL.R4
SUDHAKARA SHENOI. V
PANACHICKAL HOUSE, CMC 28, T.D. WARD, CHERTHALA, CHERTHALA
NORTH, PART KALAVAMKODAM, ALAPPUZHA -688524.
(ADDITIONAL RESPONDENT NO.4 IS IMPLEADED AS PER THE ORDER
DATED 19.08.2024 IN IA.NO.1/2024)
BY ADVS.
R2 - SAHASRANAMAN PB
T.S.HARIKUMAR(K/782/1989)
R3 - REJI GEORGE
ANUPAMA JOHNY(K/000498/2004)
SAISANKAR.S(K/002188/2021)
JOSEPH RAJU MATHEWS(K/002036/2024)
R4 - ASHOK SHENOY B
P.S.GIREESH(K/341/2013)
SALIH P.A.(K/422/2020)
THEJALAKSHMI R.S.(K/001390/2022)
UMASANKER U.U.(K/002793/2023)
THIS REGULAR SECOND APPEAL HAVING COME UP FOR ADMISSION ON
10.04.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:
Citations and Judicial Treatment
Cited by
0
Decisions in the index citing it
Cites
0
Decisions referred to
In this index
0
Of the decisions it cites
Overruled / Questioned
0
No negative treatment found
Loading the citing and cited decisions…
This judgment in the centre: on the left the decisions it cites, on the right the decisions citing it. Colour is the treatment; choose a decision to open it.
JUDGMENT
1. Appellant Bank is the 1st defendant in the suit. The respondents 1 and 2 are the plaintiffs, the respondent 3 is the 2nd defendant. Additional respondent 4 is not party to the suit. He was impleaded in this appeal for a fair disposal of the appeal.
2. One Sreedevi.S. Kamath died on 27.03.2016. She had several deposits in the appellant - Bank. She had executed Ext.A3 Will dated 31.01.2009 with respect to her properties including the deposits in the appellant-Bank. As per Ext.A3 Will, the 2/3rd of the deposits in the appellant-Bank shall go to respondents 1 & 2 and 1/3rd of the deposits shall go to the respondent 3. The respondent No.4 is the nominee in some of the deposits of Sreedevi.S. Kamath in the appellant Bank.
3. The respondents 1 and 2 filed the suit seeking mandatory injunction to the appellant bank to disburse 2/3rd of the deposit amounts to the plaintiffs.
4. The Trial Court decreed the suit in part directing the appellant Bank to disburse 2/3rd of the deposits, which are shown in the plaint. The appellant Bank filed the Appeal before the First Appellate Court stating that two of the deposits were released even before the decree. The said Appeal was dismissed. Thereafter this Regular Second Appeal is filed.
5. Since there is quite confusion with respect to the number of deposits of Sreedevi.S.Kamath in the appellant Bank, as directed by this Court the appellant Bank filed Affidavit dated 03.02.2025 disclosing eight items of deposits. The Table containing the details of the said 8 items of deposits incorporated in the said Affidavit is extracted hereunder.
No. Fixed Deposit/Saving Account No. Name of Nominee Nominee Updation Date FD Balance in Rs
Closure date Closure amount in Rs as per death claim register
15114410002776 Jairam J Kamath 14-10-2012 23,96,211.31 na na
15114410002783 Nikhil Shenoy 14-10-2012 23.92.946.79 na na
15114410002801 Jayachandra Kamath 14-10-2012 23,90,769.65 na na
15114410002818 Nandakumar Shenoy 14-10-2012 23,89,043.63
na na
50300083548740 No
NA 222,675.20 na na
50300122553808 No
NA 2,16,475.20
na na
15114410002766 SUDHAKARA SHENΟΙ 14-10-2012 Closed 27-07-2016 15,46,385.21
15111930001880 SUDHAKARA SHENΟΙ 14-10-2012 Closed 01-07-2016 4786412.11
6. As per the said Affidavit, Item Nos. 7 and 8 Accounts in the aforesaid Table were closed releasing the amounts to the respondent 4 who is the nominee of the said Accounts on 27.07.2016 and 01.07.2016 respectively. The remaining 6 deposits are still available with the appellant- bank.
7. During the pendency of this Appeal, the claim of respondents 1 & 2 and the respondent 3 against the respondent 4 nominee is settled with respect to item Nos.7 & 8 deposits. I.A.No.2/2025 is filed as a Compromise Petition signed by the respondents 1, 2 and 4 in this regard. I.A.No.2/2025 can not be treated as a Compromise Application as the said Application is not signed by the appellant and the respondent 3. But it is seen that respondent No.4 has paid Rs.53,00,000/- to the respondents 1 & 2 as per two Cheques Nos.000008 and 000009 dated 26.03.2025 of the HDFC Bank Ltd, Pallippuram Branch, Cherthala for Rs.26,50,000/- each in their separate names as a settlement of the claim with respect to Item Nos.7 & 8. The respondent 3 has filed a Memo dated 09.04.2025 signed by her and her counsel stating that she has received 1/3 share of the aforesaid Item Nos.7 and 8 deposits, and she has no further claims with respect to those two deposits. The Counsel for the respondents submitted that the issue with respect to item No.7 and 8 deposits are settled among them and there would not be any claim whatsoever to the appellant Bank in respect of Item Nos 7 & 8 deposits.
8. With respect to the other six items of deposits, the said deposits are still available with the Bank. The respondents 1 & 2 and the third respondent can claim the said deposits on the strength of Ext.A3 Will. The said deposits are not the subject matter of this appeal.
9. Since the grievance of the appellant Bank in this appeal is with respect to Item Nos.7 and 8 deposits, such grievance does not survive as the respondents have settled their dispute with respect to the amounts withdrawn by respondent 4 from the appellant Bank. No further orders are required in this Appeal. Hence, recording the settlement of the respondents and their submission that there would not be any claim whatsoever to the appellant Bank in respect of Item Nos. 7 & 8 accounts from them, this Regular Second Appeal is dismissed.
Sd/-
M.A.ABDUL HAKHIM JUDGE shg/xx