Debts Recovery Tribunals and Appellate Tribunals
BANK OF BARODA vs VIJAYA on 14 October 2025
**IN THE DEBTS RECOVERY TRIBUNAL II, KARNATAKA
AT BENGALURU**
Dated this 14<sup>th</sup> Day of October, 2025
**Present: Sri. T. RAJESH**
**Presiding Officer**
**TA. No.03/2023**
**BETWEEN:**
Bank of Baroda
Mysore Road Branch,
No.152, 2<sup>nd</sup> Main Road,
7<sup>th</sup> Cross, Chamrajpet-560018
Rep. by its Chief Manager
Mr. Mohan Naik
** ...APPLICANT**
**AND:**
Mrs. Vijaya
W/o. Venkatesh R
Aged about 56 years
R/at. No.10, 1<sup>st</sup> Floor,
9<sup>th</sup> B Cross, 9<sup>th</sup> Main, Ambika APT Road, Kamakya Layout, Bangalroe-560085
** ...DEFENDANT**
**Counsel on record/appeared for:**
Applicant : Sri. Prakasha Hegde K,
Defendant : Exparte
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**FINAL ORDER**
1. The present Original Application in short (OA) has been filed under section 19 of Recovery of Debts and Bankruptcy Act 1993 for seeking issuance of Recovery Certificate against the defendant for Rs.25,00,092.15 (Rupees Twenty Five Lakh Ninety Two and
2 TA. No. 03/2023
Fifteen Paise only) with further interest thereon from the date of filing the Application till realization from the Defendant.
2. It is the case of the applicant that, the defendant availed vehicle loan of Rs.12,50,000/- on 29.08.2019 under Baroda car loan scheme and Rs.11,00,000/- under Baroda car loan scheme on 22.10.2019.
3. It is also the case of the applicant that, in view of the above financed credit facilities, the defendant has executed necessary loan documents. The defendant executed Instrument of Hypothecation of Vehicle dated 29.08.2019 and 22.10.2019.
4. It is further contended that, despite availing the credit facilities, agreeing to service the loan amount promptly and regularly, the defendant failed in complying the same, resulting in default in repayment and consequentially turning the loan accounts as NPA.
5. In the above circumstances, the applicant approached this Tribunal by filing this TA seeking issuance of Recovery Certificate for the balance amount due in the account.
6. Despite, service of summons on the defendant, he failed to appear, resulting the defendant being set exparte on 22.03.2024.
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