lAKSHMI VILAS BANK vs MUTHUSAMY - on 11 June 2024

FINAL ORDER

The Applicant Bank (A/B) has originally filed the OA No. 221/06 before DRT-I, Chennai for recovery of a sum of Rs.22,53,610/- together with future interest @ 13% per annum with monthly rest from the date of application (i.e. 05.10.2006) till the date of realization from the Defendant Nos. 1 to 5 (D-1 to D-5). Due to change in jurisdiction, the case has been transferred to DRT, Madurai and re-numbered as TA No. 636/2007.

**The Brief facts of case :**

I. (i) The Applicant Bank (A/B) is a Banking Company coming under the provisions of RDBFI Act, 1993. The D-1 approached the Applicant Bank, for the improvement and betterment of his farm, and applied for financial assistance. A/B after considering his request vide sanction order dated 03.11.1998 (**Ex. A-1**) sanctioned Agri Term Loan(Land Development & Minor Irrigation) facility for Rs.7.50 lakhs and Crop Loan facility for Rs.1.50 lakhs. At the request of D-1, A/B reduced the margin money for Agri Term Loan from 27.3% to 20% and re-sanctioned the above said Agri Term Loan for Rs.8.25 lakhs and the same was communicated on 27.01.1999 (**Ex. A-2**) by A/B. There was no change in the Crop Loan facility. Further in evidence of borrowing and as security, D-1 to D-5 executed various security documents on 27.01.1999 which are marked as **Ex.A-3 to A-13**. On 03.02.1999 D-1 and D-2 deposited the title deed of their property with the A/B with an intention to create an equitable mortgage in favour of the A/B for the financial assistances availed by D-1. They also confirmed the said Deposit of Title Deeds by executing a Memorandum of Deposit of Title Deeds dated 04.02.1999 (**Ex.A-14**) and D-1 also executed a letter of acknowledgement in favour of the A/B which is marked as **Ex. A-15**. On the request of D-1 A/B had sanctioned financial assistance with respect of Agri Term Loan(Minor Irrigation) facility of Rs.20,000/- vide sanction order dated 13.01.2001(marked as **Ex.A-16**) and was communicated to the defendants vide letter dated 19.01.2001(**Ex.A-17**). Further in evidence of borrowing and as security D-1 to D-5 executed various security documents on 19.01.2001 which are marked as **Ex.A-18 to A-29**. At the request of D-1, A/B vide its sanction order dated 19.04.2001(**Ex.A-30**) sanctioned an Agri Term Loan(Minor Irrigation) facility of Rs.29,000/- and communicated to the defendants vide letter dated 23.04.2001(**Ex.A-31**). Further in evidence of borrowing and as security D-1 to D-5 executed various security documents on 28.04.2001 which are marked as **Ex.A-32 to A-41**. On 15.11.2001 the defendants executed confirmation letter, revival

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letter, letter of acknowledgement of liability, letter of extension of equitable mortgage(which are marked as **Ex.A-42 to A-45, Ex. A-46, Ex.A-47 to Ex. A-49 and Ex-A-50 to A-53** respectively). Pursuant to the execution of the confirmation letter, D-1 and D-3 executed separately confirmation letters dated 17.05.2002(**Ex.A-54 & A-55**) and D-2 and D-5 by confirmation latter dated 24.05.2002(**Ex. A-56 & A-57**). The defendants also executed various other documents on different dates confirming their liability which are marked as **Ex.A-58 to A-68**. On the request of D-1 the Agri Term Loan account of D-1 was restructured on 21.12.2004(**Ex.A-69**) by the A/B and the due amount of Rs.7,30,760/- pertaining to Agri Term Loan was converted into a Term Loan. In evidence of the borrowing and as security on 15.02.2005 the defendants executed various security documents which are marked as **Ex.A-70 to A-79**.

(ii) The defendants breached the terms of agreements and were unable to clear the dues. Since the defendants failed to regularize the accounts, A/B sent a notice dated 05.11.2005 (**Ex-A-80**) to the defendants demanding the repayment of the amount borrowed. The defendants have deposited their title deeds which are marked as **Ex.A-81 to A-94**. The total amount due and payable by the defendants to the A/B as on 04.10.2006 is Rs. 22,45,120/- with future interest as per the statement of accounts produced by the A/B is marked as **Ex. A-95**. As the defendants failed to repay the loan, the Application has been filed by the A/B for recovery of its dues and issuance of recovery certificate with cost.

(iii) The A/B filed Proof Affidavit (PA) in support of their claim and the documents produced are duly marked as Ex.Nos.A-1 to A-95 which is appended herewith. The Application has been filed on time with the Tribunal, having proper jurisdiction.

II. Though Vakalat has been filed in respect of D-1 to D-5 at DRT-I, Chennai, the defendants failed to file any Reply Statement or CPA and had not rebutted the A/B's claim despite sufficient opportunities extended. Subsequently, the defendants remained absent and hence, the defendants were set as ex-parte at DRT, Madurai on 26.09.2007.

III. The point for consideration is whether the Applicant Bank is entitled for a final order as prayed for in the Original Application in TA 636/2007?

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IV. On a careful consideration of facts and figures and evidence on record, it is observed that the OA has been filed for a recovery of a sum of Rs.22,53,610/- together with future interest @ 13% per annum with monthly rest from the date of application (i.e. 05.10.2006) till the date of realization from the Defendant Nos. 1 to 5 (D-1 to D-5) and for the enforcement of mortgage. The A/B has also filed the Proof Affidavit (PA) through its Manager and the documents have been duly marked and taken on record. According to the PA, it is also confirmed that the A/B is having 1^st charge on the properties mentioned in the Schedule. As the Defendants remained ex-parte, the claim of the A/B is neither disproved nor dislodged and goes on record as proved. Hence, I am convinced that the A/B is entitled for an order as prayed for.

As regards to the claim of interest, it is a well settled Law that the Tribunal has got powers to award pendentlite interest in view of the Judgment of the Hon'ble Supreme Court in N.M. Veerapa Vs Canara Bank (reported in AIR 98(1), 1101 & in Central bank of India Vs Ravindra and OS (AIR, 2001(1), 3095). Therefore, keeping in view of the facts, particulars, the material documents read with Proof Affidavit and the arguments of the applicant bank, I am of the opinion that the applicant bank is entitled to a Recovery Certificate against the D-1 to D-5 for a sum of **Rs.22,53,610/- (Rupees Twenty two Lakhs Fifty three Thousand Six hundred ten only)** with future interest @ 12 % (simple interest) per annum from the date of application i.e. from 05.10.2006 till realization with costs.

V. In result it is declared and ordered that:-

- (a) The D-1 to D-5 personally/jointly/severally to pay the applicant bank the original application claim of Rs.22,53,610/- together with future interest @ 12 % (simple interest) per annum from the date of filing the original application (i.e. 05.10.2006) till the date of realization and the cost of the suit.

- (b) In case of the default of payment by the above mentioned Defendants, the A/B is at liberty to sell the schedule mentioned movable properties of the application more-fully described at Schedule "B" of the original application and for appropriation of sale proceeds in and towards the satisfaction of amount due to the A/B.

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(c) If the above sale proceeds were not sufficient to satisfy the claim amount, the A/B is at liberty to sell the immovable properties more fully described in Schedule "A" of the original application for appropriation of sale proceeds in and towards the satisfaction of amount due to the A/B.

(d) If the sale proceeds were not sufficient after defraying the expenses of such sale for the payment of all such amounts, the defendants mentioned above are personally/jointly/severally liable to pay the amount of such deficiency with interest mentioned above until realisation.

(e) Any amount remitted during the course of this proceedings shall be given due credit, to the loan account of the defendants.

(f) Recovery Certificate may be prepared as per the directions given above of this judgment and be issued accordingly. A copy of the order is to be communicated to the parties concerned, immediately.

(g) It is further ordered that 15 days time is granted to the A/B to file cost memo from the date of receipt of this order, so as to prepare the recovery certificate with costs and future interest and also to direct the Recovery Officer to proceed with the matter in accordance with law. In case, cost memo has not been filed before the above mentioned time, Recovery Certificate will be prepared with available records of the case and direction will be given to the Recovery Officer to proceed with the matter in accordance with law.

**(D. STANLEY DAVID)** **PRESIDING OFFICER**

*(Dictated to the Stenographer, transcribed by him and after necessary corrections, signed by me on this 24^th day of November, 2009)*

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**APPENDIX 'A'**

**LIST OF ORIGINAL DOCUMENTS PRODUCED BY THE APPLICANT BANK**

<table border="1"> <thead> <tr> <th>Ser No.</th> <th>Date</th> <th>Details of Original Documents</th> <th>Exhibit Nos.</th> </tr> </thead> <tbody> <tr> <td>1.</td> <td>03.11.1998</td> <td>Sanction order of the financial assistance to D-1 with respect to Agri Term Loan (Land Development &amp; Minor Irrigation) and Crop Loan availed from the Applicant Bank</td> <td>A-1</td> </tr> <tr> <td>2.</td> <td>27.01.1999</td> <td>Communication of Re-sanctioned order of the financial assistance to D1 with respect to Agri Term Loan (Land Development &amp; Minor Irrigation) by the applicant bank to the Defendants and acceptance and acknowledgement to the terms and conditions of the applicant by the Defendants</td> <td>A-2</td> </tr> <tr> <td>3.</td> <td>27.01.1999</td> <td>Demand Promissory Note for Rs.8.25 Lakhs executed by D1 in favour of the Applicant Bank</td> <td>A-3</td> </tr> <tr> <td>4.</td> <td>27.01.1999</td>

<td>A-4</td> </tr> <tr> <td>5.</td> <td>27.01.1999</td> <td>Hypothecation of Existing or Future crops executed by D1 in favour of the Applicant Bank</td> <td>A-5</td> </tr> <tr> <td>6.</td> <td>27.01.1999</td> <td>Letter of undertaking for payment of instalment executed by D1 and counter signed by D2 and D5 in favour of the Applicant Bank</td> <td>A-6</td> </tr> <tr> <td>7.</td> <td>27.01.1999</td> <td>Letter of undertaking for payment of instalment executed by D1 and counter signed by D3 in favour of the Applicant Bank</td> <td>A-7</td> </tr> <tr> <td>8.</td> <td>27.01.1999</td>

<td>A-8</td> </tr> <tr> <td>9.</td> <td>27.01.1999</td> <td>Letter from D1 to Applicant Bank</td> <td>A-9</td> </tr> <tr> <td>10.</td> <td>27.01.1999</td> <td>Letter of Guarantee of D2 for the financial assistance availed by the D1 from the Applicant Bank</td> <td>A-10</td> </tr> <tr> <td>11.</td> <td>27.01.1999</td> <td>Letter of Guarantee of D3 for the financial assistance availed by the D1 from the Applicant Bank</td> <td>A-11</td> </tr> <tr> <td>12.</td> <td>27.01.1999</td> <td>Letter of Guarantee of D-4 for the financial assistance availed by the D1 from the Applicant Bank</td> <td>A-12</td> </tr> <tr> <td>13.</td> <td>27.01.1999</td> <td>Letter of Guarantee of D-5 for the financial assistance availed by the D1 from the Applicant Bank</td> <td>A-13</td> </tr> <tr> <td>14.</td> <td>04.02.1999</td> <td>Memorandum Deposit of Title Deeds executed by D1 &amp; D2 in favour of the Applicant Bank</td> <td>A-14</td> </tr> <tr> <td>15.</td> <td>30.09.1999</td>

<td>A-15</td> </tr> <tr> <td>16.</td> <td>13.01.2001</td> <td>Sanction order of the financial assistance to D1 with respect to Agri Term Loan (Minor Irrigation) availed from the Applicant Bank</td> <td>A-16</td> </tr> <tr> <td>17.</td> <td>19.01.2001</td> <td>Sanction communication of the applicant bank to the Defendants by the applicant and acceptance and acknowledgement to the terms and conditions of the applicant by the Defendants</td> <td>A-17</td> </tr> </tbody> </table>

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<table border="1"> <tr> <td>18.</td> <td>19.01.2001</td> <td>Demand Promissory Note for Rs.20,000/- executed by D1 in favour of the Applicant Bank</td> <td><b>A-18</b></td> </tr> <tr> <td>19.</td> <td>19.01.2001</td> <td>Letter of Hypothecation – Agricultural Machinery executed by D1 in favour of the Applicant Bank</td> <td><b>A-19</b></td> </tr> <tr> <td>20.</td> <td>19.01.2001</td> <td>Hypothecation of Existing or future crop executed by D1 in favour of the Applicant Bank</td> <td><b>A-20</b></td> </tr> <tr> <td>21.</td> <td>19.01.2001</td> <td>Letter of undertaking for payment of instalment executed by D1 and counter signed by D2, D3 and D5 in favour of the Applicant Bank</td> <td><b>A-21</b></td> </tr> <tr> <td>22.</td> <td>19.01.2001</td>

<td><b>A-22</b></td> </tr> <tr> <td>23.</td> <td>19.01.2001</td> <td>Letter from D1 to Applicant Bank</td> <td><b>A-23</b></td> </tr> <tr> <td>24.</td> <td>19.02.2001</td> <td>Letter of Guarantee of D2 for the financial assistance availed by the D1 from the Applicant Bank</td> <td><b>A-24</b></td> </tr> <tr> <td>25.</td> <td>19.01.2001</td> <td>Letter of Guarantee of D3 for the financial assistance availed by the D1 from the Applicant Bank</td> <td><b>A-25</b></td> </tr> <tr> <td>26.</td> <td>19.01.2001</td> <td>Letter of Guarantee of D5 for the financial assistance availed by the D1 from the Applicant Bank</td> <td><b>A-26</b></td> </tr> <tr> <td>27.</td> <td>19.01.2001</td> <td>Instruction letter form D1 to Applicant Bank</td> <td><b>A-27</b></td> </tr> <tr> <td>28.</td> <td>19.01.2001</td> <td>Extension of Equitable Mortgage executed by D1 in favour of the Applicant Bank</td> <td><b>A-28</b></td> </tr> <tr> <td>29.</td> <td>19.01.2001</td> <td>Extension of Equitable Mortgage executed by D2 in favour of the Applicant Bank</td> <td><b>A-29</b></td> </tr> <tr> <td>30.</td> <td>19.04.2001</td> <td>Sanction order of the financial assistance to D1 with respect to Agri Term Loan (Minor Irrigation) availed from the Applicant Bank</td> <td><b>A-30</b></td> </tr> <tr> <td>31.</td> <td>23.04.2001</td> <td>Sanction communication of the applicant bank to the Defendants by the applicant and acceptance and acknowledgement to the terms and conditions of the applicant by the Defendants</td> <td><b>A-31</b></td> </tr> <tr> <td>32.</td> <td>28.04.2001</td> <td>Demand Promissory Note for Rs.29,000/- executed by D1 in favour of the Applicant Bank</td> <td><b>A-32</b></td> </tr> <tr> <td>33.</td> <td>28.04.2001</td>

<td><b>A-33</b></td> </tr> <tr> <td>34.</td> <td>28.04.2001</td> <td>Hypothecation of Existing or future crop executed by D1 in favour of the Applicant Bank</td> <td><b>A-34</b></td> </tr> <tr> <td>35.</td> <td>28.04.2001</td> <td>Term Loan Agreement for Machinery executed by D1 in favour of the Applicant Bank</td> <td><b>A-35</b></td> </tr> <tr> <td>36.</td> <td>28.04.2001</td> <td>Letter of undertaking for payment of instalment executed by D1 in favour of the Applicant Bank</td> <td><b>A-36</b></td> </tr> <tr> <td>37.</td> <td>28.04.2001</td>

<td><b>A-37</b></td> </tr> <tr> <td>38.</td> <td>28.04.2001</td> <td>Letter of Authority executed by D1 in favour of the Applicant Bank</td> <td><b>A-38</b></td> </tr> <tr> <td>39.</td> <td>28.04.2001</td> <td>Letter from D1 to Applicant Bank</td> <td><b>A-39</b></td> </tr> <tr> <td>40.</td> <td>28.04.2001</td> <td>Instruction letter form D1 to Applicant Bank</td> <td><b>A-40</b></td> </tr> <tr> <td>41.</td> <td>28.04.2001</td> <td>Extension of Equitable Mortgage executed by D1 &amp; D2 in favour of the Applicant Bank</td> <td><b>A-41</b></td> </tr> </table>

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<table border="1"> <tr> <td>42.</td> <td>15.11.2001</td> <td>Letter of Acknowledgement of Debt executed by D1 in favour of the Applicant Bank</td> <td>A-42</td> </tr> <tr> <td>43.</td> <td>15.11.2001</td> <td>Letter of Acknowledgement of Debt executed by D2 in favour of the Applicant Bank</td> <td>A-43</td> </tr> <tr> <td>44.</td> <td>15.11.2001</td> <td>Letter of Acknowledgement of Debt executed by D3 in favour of the Applicant Bank</td> <td>A-44</td> </tr> <tr> <td>45.</td> <td>15.11.2001</td>

<td>A-45</td> </tr> <tr> <td>46.</td> <td>15.11.2001</td> <td>Revival letter executed by D1 in favour of the Applicant Bank</td> <td>A-46</td> </tr> <tr> <td>47.</td> <td>15.11.2001</td> <td>Letter of Acknowledgement of Debt executed by D1 in favour of the Applicant Bank</td> <td>A-47</td> </tr> <tr> <td>48.</td> <td>15.11.2001</td> <td>Letter of Acknowledgement of Debt executed by D2 in favour of the Applicant Bank</td> <td>A-48</td> </tr> <tr> <td>49.</td> <td>15.11.2001</td>

<td>A-49</td> </tr> <tr> <td>50.</td> <td>15.11.2001</td> <td>Letter of Extension of Equitable Mortgage executed by D2 in favour of the Applicant Bank</td> <td>A-50</td> </tr> <tr> <td>51.</td> <td>15.11.2001</td> <td>Letter of Extension of Equitable Mortgage executed by D3 in favour of the Applicant Bank</td> <td>A-51</td> </tr> <tr> <td>52.</td> <td>15.11.2001</td> <td>Letter of Extension of Equitable Mortgage executed by D4 in favour of the Applicant Bank</td> <td>A-52</td> </tr> <tr> <td>53.</td> <td>15.11.2001</td> <td>Letter of Extension of Equitable Mortgage executed by D5 in favour of the Applicant Bank</td> <td>A-53</td> </tr> <tr> <td>54.</td> <td>17.05.2002</td>

<td>A-54</td> </tr> <tr> <td>55.</td> <td>17.05.2002</td> <td>Letter of Acknowledgement of Debt executed by D3 in favour of the Applicant Bank</td> <td>A-55</td> </tr> <tr> <td>56.</td> <td>24.05.2002</td> <td>Letter of Acknowledgement of Debt executed by D2 in favour of the Applicant Bank</td> <td>A-56</td> </tr> <tr> <td>57.</td> <td>24.05.2002</td> <td>Letter of Acknowledgement of Debt executed by D5 in favour of the Applicant Bank</td> <td>A-57</td> </tr> <tr> <td>58.</td> <td>31.03.2003</td>

<td>A-58</td> </tr> <tr> <td>59.</td> <td>06.10.2003</td> <td>Letter of Revival executed by D1 in favour of the Applicant Bank</td> <td>A-59</td> </tr> <tr> <td>60.</td> <td>06.10.2003</td> <td>Letter of Revival executed by D1 in favour of the Applicant Bank</td> <td>A-60</td> </tr> <tr> <td>61.</td> <td>07.10.2003</td> <td>Letter of Acknowledgement of Debt executed by D4 in favour of the Applicant Bank</td> <td>A-61</td> </tr> <tr> <td>62.</td> <td>10.10.2003</td>

<td>A-62</td> </tr> <tr> <td>63.</td> <td>10.10.2003</td> <td>Letter of Acknowledgement of Debt executed by D3 in favour of the Applicant Bank</td> <td>A-63</td> </tr> <tr> <td>64.</td> <td>30.03.2004</td> <td>Revival letter executed by D1 with respect to Agri Term Loan (Land Development &amp; Minor Irrigation)</td> <td>A-64</td> </tr> <tr> <td>65.</td> <td>30.03.2004</td> <td>Letter of Extension of Equitable Mortgage executed by D2 in favour of the Applicant Bank</td> <td>A-65</td> </tr> </table>

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<table border="1"> <tr> <td>66.</td> <td>30.03.2004</td> <td>Letter of Extension of Equitable Mortgage executed by D3 in favour of the Applicant Bank</td> <td><b>A-66</b></td> </tr> <tr> <td>67.</td> <td>30.03.2004</td> <td>Letter of Extension of Equitable Mortgage executed by D4 in favour of the Applicant Bank</td> <td><b>A-67</b></td> </tr> <tr> <td>68.</td> <td>30.03.2004</td> <td>Letter of Extension of Equitable Mortgage executed by D5 in favour of the Applicant Bank</td> <td><b>A-68</b></td> </tr> <tr> <td>69.</td> <td>21.12.2004</td> <td>Sanction order of the financial assistance to D1 with respect to Restructured Agri Term Loan (Minor Irrigation) availed from the Applicant Bank</td> <td><b>A-69</b></td> </tr> <tr> <td>70.</td> <td>15.02.2005</td> <td>Demand Promissory Note for Rs.7,30,760/- executed by D1 in favour of the Applicant Bank</td> <td><b>A-70</b></td> </tr> <tr> <td>71.</td> <td>15.02.2005</td> <td>Mortgage Deed – Agricultural Advances executed by D1 in favour of the Applicant Bank</td> <td><b>A-71</b></td> </tr> <tr> <td>72.</td> <td>15.02.2005</td>

<td><b>A-72</b></td> </tr> <tr> <td>73.</td> <td>15.02.2005</td> <td>Hypothecation Agreement – Agricultural Advances executed by D1 in favour of the Applicant Bank</td> <td><b>A-73</b></td> </tr> <tr> <td>74.</td> <td>15.02.2005</td> <td>Letter of undertaking for payment of instalment executed by D1 in favour of the Applicant Bank</td> <td><b>A-74</b></td> </tr> <tr> <td>75.</td> <td>15.02.2005</td> <td>Deed of Guarantee – Agricultural Advances executed by D2 &amp; D4 for the financial assistance availed by the D1 from the Applicant Bank</td> <td><b>A-75</b></td> </tr> <tr> <td>76.</td> <td>15.02.2005</td> <td>Deed of Guarantee – Agricultural Advances executed by D3 &amp; D5 for the financial assistance availed by the D1 from the Applicant Bank</td> <td><b>A-76</b></td> </tr> <tr> <td>77.</td> <td>15.02.2005</td>

<td><b>A-77</b></td> </tr> <tr> <td>78.</td> <td>15.02.2005</td> <td>Letter from D1 to Applicant Bank</td> <td><b>A-78</b></td> </tr> <tr> <td>79.</td> <td>15.02.2005</td> <td>Extension of Equitable Mortgage executed by D1 &amp; D2 in favour of the Applicant Bank</td> <td><b>A-79</b></td> </tr> <tr> <td>80.</td> <td>05.11.2005</td> <td>Applicant Bank's Notice</td> <td><b>A-80</b></td> </tr> <tr> <td>81.</td> <td>17.09.1967</td> <td>Registered copy of sale Deed bearing Doc.No.3206/1967</td> <td><b>A-81</b></td> </tr> <tr> <td>82.</td> <td>05.01.1971</td> <td>Original Registered Settlement Deed bearing Doc.No.26/1971</td> <td><b>A-82</b></td> </tr> <tr> <td>83.</td> <td>05.01.1971</td> <td>Original Registered Settlement Deed bearing Doc.No.27/1971</td> <td><b>A-83</b></td> </tr> <tr> <td>84.</td> <td>28.02.1995</td> <td>Original Sale Deed bearing Doc.No.129/1995</td> <td><b>A-84</b></td> </tr> <tr> <td>85.</td> <td>27.06.1995</td> <td>Original Sale Deed bearing Doc.No.496/1995</td> <td><b>A-85</b></td> </tr> <tr> <td>86.</td> <td>22.09.1997</td> <td>Original Sale Deed bearing Doc.No.805/1997</td> <td><b>A-86</b></td> </tr> <tr> <td>87.</td> <td>06.08.1974</td> <td>Original discharged Mortgage Deed Doc.No.3161/1974</td> <td><b>A-87</b></td> </tr> <tr> <td>88.</td> <td>06.06.1998</td> <td>Original Certificate from Kulitalai Co-operative Land Development Bank Limited</td> <td><b>A-88</b></td> </tr> <tr> <td>89.</td> <td>24.07.1994</td> <td>Photocopy of the Receipt</td> <td><b>A-89</b></td> </tr> <tr> <td>90.</td> <td>24.07.1990</td> <td>Photocopy of Original discharged Mortgage Deed Doc.No.740/1990</td> <td><b>A-90</b></td> </tr> <tr> <td>91.</td> <td>22.06.1998</td> <td>Encumbrance Certificate from 01.01.1967 to 31.10.1975</td> <td><b>A-91</b></td> </tr> </table>

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<table border="1"><tr><td>92.</td><td>28.05.1998</td><td>Encumbrance Certificate from 01.11.1975 to 14.05.1998</td><td>A-92</td></tr><tr><td>93.</td><td></td><td>Original Chitta Extract</td><td>A-93</td></tr><tr><td>94.</td><td></td><td>Original Kist Receipt</td><td>A-94</td></tr><tr><td>95.</td><td></td><td>Statement of Account</td><td>A-95</td></tr></table>

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