Debts Recovery Tribunals and Appellate Tribunals

ZAKIR PATEL vs BANK OF BARODA on 19 May 2025

1nt.. q. iq< -t+/zoz+

EUr qqffi sTfuoqq sf,mgr

(q.v.ssfulTq)

(ffiq oTffi - qrqfiq +ft vrq frqrfl qh)

w.g. ;f{t -tq/zozq

+fr qrfuq qla, snso fuqro-f,

trld sq qrtq +s d, ffi

rr6rq i{q-so, fq-dffl il6$-m

qitq g<)r (\'q.ft.). .

erftareff t

ffu,q

tfi efi,s rSfl frs{d t's.q

orx.fr,qre d-rz.wtq q.tu,

trtsTY:-T}S#;

3Tftdretr qs d ftg fr qrfuE

t-eq eftq-mr t

B-f,{qrfr t-6 d ftq fr .ilqrd

vlqHql('l sTfu{trr t

3II t

qT

(ffiio' rg.os.zozs o) qiRd)

1. ffim 22.,t2.02024 o\ oTid-{o. qer t qa fqFdq sTrilfi En-rr 22 (r) (fr) erx.O.fr.g+e rgga d srquTr+t d cliffi E:s eTfu5qrr gm eil.q. +et /zozt t-o' 3frs iglfl fuEq M d.fu6

Page 1 of 7

W.. g. Tst -14/2024 isd am mrr$w q+q frs vrqf si g srq fr Eilfuf, T6 qftq trq Riro. 28 q{ zozs oi 3ilTrkT frrt qri at qar+or tg rqa fu-w g I qpr fr frf+T GTrilfi u-qo ori tf gq frmq o) erqr ffi qri tg gQro sTrilfi sTr$q. BsBo/2024 rqo foq .rqr * t

2. rq-d ffi Ti frfu BTrilf{ qt srTErN T6 t o1 B-drqrft t-o d gRr e-qd Ti otft-mid grfrdq[q +at /zoozt, E-d 3114s724/-(fi-{ o-ts.qr{6 drEr B;tErFH EqR Hrn H) +fi-n) Ert qfr Eq-ft tg nqa fuur .rqr t, fu{rit qitrd trq H,o 28.06.202s qr Erq oTriEo qq o) ffi o-tffi or frEs fuiro 04.12.2024 H-6 06.12.2024 6i n66 fri w g3Tr, wqfu eiq dBd rdt d +{H 3Trn{o' qe{ o} ot$ erq rS qr r

3. oTrnq-6 qqT 6r 16 fi oTfuoer{ t fu en +i d qrqrd fri.r+. 2s.12.2024 efi \'m. qei-q frulq +t sPdfue srq *i q{ To' v$-q pulq ui Gilnffi fut qrt oT rfi-{ur rEr fu-qr t r teq t noq"r u-Eo ori or sfuo orqq t t gs 5q tud

Page 2 of 7

w.. g. ffi -74/2024 sTrErr{ qt VtF qeftq Frufq fuiro 28.06.2023 o\ oTrr-kr frri qrt o.r ci-g{)q fu-qr .rqr t r

4. ftdre eTqr fu-i qfi tg ryo frd 'ri oTr-ilfi 6T gq eneTn t of oTrileo qel ol sqfr oTffi Ern iftf, frBfl fuiro 04.12.2024 d f,ftf, +i lqqio 06.12.2024 t go qetq crdqr R"ir6 2s.06.2023 cFI 5l"T $Tr, c[o[ qqrFrf, sfrfufr rrrkr trt oTrilfi u-qo fuut wr t t gs GTrErn qq fudq H-rrT oa rqd w.q drfiR frtt qri or q-Jtq frrqr rrqr B t

5. vf,rqrfr t6 d fuq frfrq 3il-ilfi ffiT trqrq q-qd q-{i d qrer fr fumq emr eTrtfi oT y*r-6 t q-qrq trEd fu-qr rrqr t, fus-+r 5u< GTTETR t 01 fuiro 07.07.2021 ei 3ilfi-q-{d qfrdqq rqil *i w sffiqur of fuiro 1a.11.2021 o\ +rk ifrd fuqr .r'qr, d 3Tril{6 o\ fuiro 26.11.2021 d ffi fu d rlltzlrl t il-fi-d $n vq sffi Eifl-6 r fr s o'r frEs rr-(Tr rr-{cT qfi d th'Rul srffT f,rfi-f, qTK $Tr, ilq T$ gFqr gq frsfrq N HrIrzTT{ Et t fuil6 26.0't.2oz2 oi sS qffirrq d ftq +E-fl 6r e-orqn foqr rrqr | {s ilr6 t oTrnffi

Page 3 of 7

w.. g. TEt -74/2024 Htrd wlfr sffi.r"r ol oil.oT trBfl arfia gw, fu;g ere-e oerq sTt Eq fumq rqr ftd qrt ol GTrifi rqo four rr+r t I

6. fqFqq oTra-fi d qqrq tt s-ccqr-+ to o-r oTFdfufr oerq t of ermo-qq d qqer drffi t Hn+fuil qfunq rqa frd wi w o-rffi +t G t, fu-g oTrt<o qer t Gnrcu oem oq frfrrr sTril<-{ rga fuw t r

7. v+Rr sH o) E-{i d qrqa engn u}.v. 4s7 /2021 oT or++o.T or qr+r qrdr t qfi oTril{o do anr ed 4 effi tqd +fr6 igs Am dyr{e, qqrq +6q qrqf d srQr Hffi oqf6 2, rrE=r +f,{ yrqf yffi EqFD a, aft+rft EftdI qrqf Si effi oqi6 + eniq-o cTrfu( Ted d f+W q-orqr x"r o1 T{fi tg cfhw-* \ddYF{ rqo frit qrt w oTfuo{ur d oniqr fuiro 2s.0s.2021 d ergirn wrft qrtt qffirrur

o) ffi sro fi +fu ifud fu-qr rqrl fuqfo zluzo22 o) emowr of {frr$ d am dFftd sr scqu{ fuqr rrqr \q qq{ }rDrqFr d qqq t wrft qffirpr o) ntrs drfi-d *t qfr Aq o+fud of .r$ I

8.

Page 4 of 7

W.. q. i** -t+/zoz+ gs erfuoqq grqr ftrq G oTrtcl qlfdfrr fuirfi 03.03.2023 d ergwn q-qt GTrflT t 01 qfr qrti qffi.r"r rN t[r gtDIqIE d qpqrl fi oir0-q.rd qffiqq d ssi-s of drffi uri gq qo qffi or entqr ftqr .rqrt cldqYql(l \6 qftq i+irr 21.00.2023 o1 rq qefu ild Ut qro-q ftdro 2s.06.2023 o\ gtr' qefrq ffq dR-d frrqr .rqr t t e. urga oir.s. t €il.{ qrw |o RfC d ei-q-d}f,-{ t s+e t of ilr frEq uril6 6 oTlilco qrfur qta ft-dr fuqrfid ,ta Frqr$ qFr ffi-fl il6€fd sril{ fudr {dq o\ o-qr$oz =tcq<Tn.o[r$. 676544e67 {q fid"irfi 1s.11.2021 o\ ffi sFD gRI ifro fuqrrqr, ffi -o' RdrC d ergwn Bm sro qrq-o'df o\ gfir diq utfu-fl d qnsq t Riro zo.tr. 2022 dt R€i g$ t r qffio o-rerdq d qqqh tt fim' ti-cn sfiq qFI Ht-{t ylqer q, fi x-qo frr+r .rqr t I {sd oTfrftffi ffi + qrtqr-gqr{ Ti gFfir zo qr+ft zozz sdq fr=ft Tfrnrn-{ tl={ w ffi{s €ssg zo q+qft zozz fiqrd siffi Hrrrdr-{ qe fr oil-ilqo qtrd qnt YICIIIIqFTUI d frsq t fuirfi 2s.o4.2022 o.i

Page 5 of 7

gq.. g. .ts\ -tt/zoz+ vqfufr dH tE riTiu ro.rR'rd 6-{rfl .rqr, fuq fi otrffifi clsrqr orq qffiT"r fr t FI$ .t srqfurd q-S $Tr, rF[ gs oTfuorur d Hr$ qffi.rq d ffsq qo. qftq g-{rr$ o.r sTrtyr t-o( w qffq trq Riro. 28.06.202s qrRd fu-qr rrqr B r

10. qm+q BErilq qrqt?rq d Enr tr+d +{ilr \,it erq fusq qfufi +o, dv, EEgqr 2oo8 (s) w.fr.\Ed 6s + qrrd {r G arner d ergun qe sfunfr o) E-r-qr$ ftq ot Eq-{r ,ft si Bqfurd etor wqrq tt or qqfw sitNR qr gi r{{s or BDrqIq Terfi=q erffior d qqrqn q+ t e-o-rRrd fo-qr rrql, re qffi qfu TE o-6t d fuq EflEr q-S t of ce Gng-o. HrffirR qe ol rS q.6f,r r w gMul t tqr qrq d qq gs erlteo oi ffi sro fuiro 28.11.2021 dFftf, Ei Tg ,ft \q onrnft ftfu rz.or.zozz frqf, gfi, oTertd oTBfivur d sqeT sqfurf, *t or rqfq cFNn er, frr 2 HrlErn g-it t fr qqq rorRrd o1 T$ | T$ ghqT {<h qrfr wor g,trqn q+ t lq oTrilfo fuqr rfiq or ffi t, m vdq ffi qft il6$-n t, dr u-gqH frordt qrtfl frt Hq,f ffi fr gd-r t e-o.rRrd

Page 6 of 7

vc.. q. {rq* -t+/zoz+ Trrnzn-r qa ?Fr fud{q dffir t 1 ffi+s N 'r+qrd fr qrfr glw sflEn-t q{ t, on * rt{r fr ffif, ildT t, a-c ail-idlo qet th-t {6 ild ffi dr"q rfr t of GTrn{o o\ vs oTB+.-tul EM ftFh sl.\. qsz / zozt d riri-s at il-ftfi r€f o1 .r$ t

11. gq qRRrffif ii oTid{o qH Ertr IrEd frq sqr sTrtfi srel-qr eni<o qeT EI-{T rEil frfrq oTril({ ffi *.q q-St t t

12. rr?rsrsq w ftqfko ori gv fu GTri{o oI gfl oTBfi-r'r d afuo et.q. +at /zozt o-l ririq ffi qod qrEqq t gq twq notqn d rrrrzrEr t frfi-f,a f,rfi-d $[r, fuq rft vcrqrfr qeT Bqfurf, r€f E n, rq oTBfiwr em qrRil \'o' qftq ftufq o.i orqlffi frrt qri or ot$ onor TS t, qfu oTrn<o qeT grvr q-qd frfuT oTrilfr or-qE q)-.q r€l t r qrfudtgqx"rdqw ffi

13. sq-tff fra-d{r d s-drfl fi onteo qeT Errr rEil GiilRq oTrilfi s26 /202s f+aq e{qr frrn qri A q<f tf silqm$q vrt gv fu{tr fu-qr ffiT t I qrer fr oTrilq-o qeT ERr q-Ed gc.. g. fr* -t4/2o24 f4hET oTrtfi qTvr 22 (2) (fr) ern$.fi.vre rgge 3TTETR+q \d erqfu qrfud ftErfRd ori gg F-{w fuqr qps g,

14. oTrfrr of sfr d qrer sngd oT).q. qrqfl dr ofl-tv gd ururanr fr ene f{fl6 rg.os.zozs o) dRd fu-qr r 7n

SS (ftdrfr{ oTfuorfr) fuqio':-rg.os.2o2s S.ern*. q. q., w rdiqra

Page 7 of 7

Loading citations and judicial treatment…

You have used today's free searches. Sign in, for free, to keep searching without a limit.

Compass reads the judgments for you and finds the paragraphs for and against your question. Sign in to use it.

My Vault follows judgments for you and records every later decision that cites them. Sign in to keep one.

Sign in to download the court's PDF. The full text stays free to read here.

Search and read Indian judgments without limits, save them to My Vault and find the relevant paragraphs with Compass.

Open the sign-in page instead