State Consumer Disputes Redressal Commission
Cholamandlam Finance vs Bheemsen Godara on 20 February, 2026
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tfj;s 'kk[kk izcU/kd] Jhxaxkuxj o vU; esa ikfjr fu.kZ; fnuakd 11-01-2024 ds
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ls Vªd la[;k vkj-ts-13&th-ch-&2335 Ø; fd;k A ifjoknh us foi{khx.k ls
izkIr fd;s x;s mDr _.k dh fdLrksa dk fu;fer :Ik ls Hkqxrku djrs gq,
fnuakd 30-04-2018 dks foi{khx.k dks mDr leLr _.k jkf'k
dk Hkqxrku dj fn;k] ysfdu foi{khx.k us ifjoknh dks mlds ckj&ckj fuosnu
djus ds ckotwn vns; izek.k&i= ,oa vU; vko';d nLrkost ugha fn;s vkSj
var esa fnuakd 10-12-2018 dks vns; izek.k&i= ,oa vU; vko';d nLrkost nsus
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le{k ifjokn izLrqr dj foi{khx.k ls mDr okgu ds _.k [kkrs dk vns;
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gqvk Fkk] ftleaas ifjoknh lg_.kh Fkk A izsedqekj }kjk izkIr fd;s x;s _.kksa dh
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esa Hkh crkSj _.kh ;k lg+_.kh ;k xkj.Vj dh gSfl;r j[krk gS rks tc rd
lEiw.kZ _.k jkf'k dh vnk;xh ugha gks tkrh gS] rc rd _.kh] lg_.kh o
xkj.Vj fdlh Hkh _.k ds laca/k esa vns; izek.k&i= izkIr djus dk vf/kdkjh
ugha gS A _.k vuqca/k dh 'krZ la[;k 21 ds vuqlkj vuqca/k ds vUrxZr mRiUu
vnk;xh o nkf;Ro nwljs vuqca/k ij Hkh izHkkoh gksrs gSA ifjoknh }kjk izkIr fd;s
x;s _.k ds lg_.kh izsedqekj }kjk izkIr fd;s x;s _.kksa dh jkf'k cdk;k gksus
,oa ifjoknh ds izsedqekj }kjk izkIr fd;s x;s _.kksa esa [email protected] gksus
ds dkj.k ifjoknh dks mlds }kjk vius okgu la[;k vkj-ts-13&th-ch-&2335 ij
izkIr fd;s x;s _.k ds laca/k esa vns; izek.k&i= tkjh ugha fd;k x;k A
foi{khx.k us ifjoknh ds izfr dksbZ lsoknks"k ,oa vuqfpr O;kikj&O;ogkj dkfjr
ugha djus dk rF; of.kZr djrs gq, ifjokn [kkfjt djus dh izkFkZuk dh A
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us mHk;i{k dh cgl lqudj muds vfHkopuksa ,oa lk{; ds vk/kkj ij vk{ksfir
fu.kZ; ikfjr fd;k] ftlls O;fFkr gksdj foi{khx.k us ;g vihy is'k dh gS A
vihy ij mHk;i{k ds fo}ku vf/koDrkx.k dh cgl lquh xbZ A
fo}ku vf/koDrk vihykFkhZx.k@foi{khx.k us vihy eheks esa n'kkZ;s x;s
rF;ksa dh iqujko`fÙk djrs gq, cgl dh gS fd] _.k vuqca/k esa Liability Clause
dh 'krZ la[;k 21 gS] tks fuEufyf[kr gS%&
21. LIEN AND SET-OFF:-
a) The Company shall have a lien and right of set-off of all moneys
belonging to the Borrower/Guarantor standing to its credit in any
account whatsoever with the Company if upon demand by the
Company the balance outstanding in the loan account in not
repaid within the prescribed time, such credit balance in any
account of the Borrower/Guarantor or his relatives as defined
under the Companies Act, 1956 or partners as the case may be,
shall be adjusted towards dues under the Loan account. In case of
any deficit, the deficit amount may be recoverd by the Company
from the Borrower/Guarantor.
b) Nothing contained in these presents shall be deemed to limit
or affect prejudicially the rights and powers of the Company
under the security documents or letters of guarantee or any of
them or under any law.
c) There shall be no set-off or counter claim by the
Borrower/Guarantor and that all payments made by the
Borrower under this Agreement must be made without set-off or
guarantee or any of them or under any law.
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la[;k XVFPSGG00001645180, XVFPSGG00001645804 ,oa XVFPSGG00001645893
ds ek/;e ls izkIr fd;s x;s _.kksa dh jkf'k cdk;k gS] blfy, izR;FkhZ@ifjoknh
_.k vuqca/k dh 'krksZa ds vuqlkj iz'uxr dkWef'kZ;y okgu Vªd la[;k vkj-ts-
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13&thch&2335 dk vns; izek.k&i= izkIr djus ,oa Title Deed dks Retain
djus dk vf/kdkjh ugha gS A mUgksua s ekuuh; loksZPp U;k;ky;] ekuuh; jk"Vªh;
miHkksDrk fookn izfrrks"k vk;ksx ,oa bl vk;ksx dh t;iqj casap }kjk fofHkUu
U;kf;d n`"VkUrksa esa izfrikfnr fl)kUrksa ds vk/kkj ij ;g cgl dh gS fd fdlh
Hkh _.k ds cdk;k jgus rd vns; izek.k&i= tkjh ugha fd;k tk ldrk gS A
fo}ku ftyk miHkksDrk vk;ksx us bu rF;ksa ij fopkj ugha djds tks vkyksP;
fu.kZ; ikfjr fd;k gS] og vikLr fd;s tkus ;ksX; gS] vr% vihy Lohdkj djds
vkyksP; fu.kZ; dks vikLr djus dh izkFkZuk dh A mUgksua s viuh cgl ds leFkZu
esa fuEufyf[kr U;kf;d n`"Vkar is'k fd;s%&
jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj }kjk vihy
la[;k 308@2022 & pkSyke.Mye bUosLVesVa ,.M Qkbusl
a dEiuh
fyfeVsM] jftLVMZ vkWfQl psUubZ esa ikfjr fu.kZ; fnuakd 23-11-2022
jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx lfdZV cSap] chdkusj
}kjk vihy la[;k 204@2021 & 'kk[kk izcU/kd] baMlbaM caSad fyfeVsM
cuke lanhi dqekj esa ikfjr fu.kZ; fnuakd 21-08-2025
IV (2006) CPJ 1 (NC), M.Mallika Vs Stt
a e Bank of India & Anr, Decided
on 27.07.2006
jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV cSap la[;k 2] t;iqj }kjk
vihy la[;k 1344@2008 cmuoku b.Mlb.M cSad cuke eSa-,l-,l-
dULVªD'ku esa ikfjr fu.kZ; fnukad 11-06-2012
5. II (2001) CPJ 19 (NC), Canara Bank and Anr. Vs C.D.Patel, Decided
on 28.02.2001
6. (1992) 2 SCC 330, Syndicate Bank Vs Vijay Kumar and Others
7. High Court of Andhra Pradesh, W.P.No.16399/2006 - Mohan
Enterprises rep. by the Managing Partner Mr.Peetani Sambaiah
Vs Andhra Bank, Narsapur Branch, Decided on 22.11.2007
6
8. Karnataka High Court, Banglore, W.P.No.32217/2013
(GM-RES) - Sri Nagendra Prasad Vs The Manager, State Bank of
Mysore & Ors., Decided on 18.12.2013
jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV cSap la[;k 2] t;iqj }kjk
vihy la[;k 1302@2012 cmuoku ;knjke cuke b.MlbaM cSad esa
ikfjr fu.kZ; fnukad 04-12-2014
jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV cSap la[;k 1] t;iqj }kjk
vihy la[;k 440@2014 cmuoku b.MlbaM cSad fyfeVsM cuke /keZohj
xqtZj esa ikfjr fu.kZ; fnukad 24-08-2015
jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV cSap la[;k 2] t;iqj }kjk
vihy la[; 916@2013 cmuoku dksVd efgUnzk cSad fyfeVsM cuke Jh
iwj.k flag esa ikfjr fu.kZ; fnukad 09-03-2016
bl cgl dk [k.Mu djrs gq, izR;FkhZ@ifjoknh ds fo}ku vf/koDrk
Jh vt; ek: us ;g cgl dh gS fd izR;FkhZ@ifjoknh }kjk vius okgu la[;k
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isVs izR;FkhZ@ifjoknh dh vksj dksbZ jkf'k cdk;k ugha gS vkSj izR;FkhZ@ifjoknh
}kjk leLr _.k jkf'k dk Hkqxrku dj fn;k x;k gS] blds ckotwn
vihykFkhZx.k@foi{khx.k }kjk izR;FkhZ@ifjoknh dks u rks vns; izek.k&i= tkjh
fd;k x;k vkSj u gh okafNr nLrkostkr ykSVk;s x;s A vr% fo}ku ftyk
miHkksDrk vk;ksx }kjk ikfjr fu.kZ; fof/klEer gS] ftlesa gLr{ksi dh dksbZ
xqatkb'k ugha gS A vr% mUgksua s vihy [kkfjt dj vkyksP; fu.kZ; dks
;Fkkor j[kus dh izkFkZuk dh A mUgksua s viuh cgl ds leFkZu esa fuEufyf[kr
U;kf;d n`"VkUr is'k fd;s%&
1.NCDRC, F.A.No.NC/FA/526/2025 - HDFC Life Insurance Company Ltd. & 2 Ors. Vs Mr. Chhotu Lal Jaat, Decided on 13.11.2025 7
2. AIR 2004 Orissa 142, Alekha Sahoo Vs Puri Urban Co-operative Bank Ltd. Decided on 29.04.2004
3. SCDRC, Punjab, Chandigarh, F.A.No.562/2018 - Indusind Bank Ltd. Vs Roshal Lal, Decided on 25.03.2019 geus mDr rdksZa ij euu fd;k rFkk vkyksP; fu.kZ; ds ifjizs{; esa i=koyh ,oa i=koyh ij miyC/k nLrkostksa dk /;kuiwoZd ifj'khyu fd;k vkSj mHk;i{k dh vksj ls izLrqr U;kf;d n`"Vkarksa dk llEeku v/;;u fd;k A vihykFkhZx.k@foi{khx.k ds fo}ku vf/koDrk }kjk fo}ku ftyk miHkksDrk vk;ksx ds le{k izR;FkhZ@ifjoknh ds **miHkksDrk** ugha gksus ds laca/k esa cgl dh xbZ Fkh] ijUrq fo}ku vf/koDrk vihykFkhZx.k@foi{khx.k }kjk vihy esa bl laca/k esa dksbZ cgl ugha dh xbZ gS A izR;FkhZ@ifjoknh us vius ifjokn esa ;g rF; vafdr fd;k gS fd ifjoknh us viuh QeZ eSllZ xksnkjk b.Msu xzkeh.k forjd ds uke ls Vªd la[;k vkj-ts-13&th-ch-&2335 Ø; fd;k vkSj ftlds fy, izR;FkhZ@ifjoknh us vihykFkhZx.k@foi{khx.k ls 12]11]250@&:i;s dk _.k fy;k A izR;FkhZ@ifjoknh us fnuakd 30-04-2018 rd vihykFkhZx.k@foi{khx.k dks leLr _.k jkf'k dk Hkqxrku dj fn;k] ysfdu vihykFkhZx.k@foi{khx.k us izR;FkhZ@ifjoknh dks vns; izek.k&i= ,oa vU; vko';d nLrkost ugha fn;s A
- _.k [kkrk la[;k XVFPSGG00001390340 ij izR;FkhZ@ifjoknh ds okgu la[;k vkj-ts-13&th-ch-&2333 ds lac/a k esa dksbZ _.k jkf'k cdk;k ugha gS] ijUrq bl _.k [kkrs ds lg_.kh izse dqekj }kjk vihykFkhZx.k@foi{khx.k ls _.k [kkrk la[;k XVFPSGG00001645180, XVFPSGG00001645804 ,oa XVFPSGG00001645893 ds rgr foÙkh; lqfo/kk izkIr dh xbZ gS vkSj ftudh vnk;xh ugha gqbZ gS A izse dqekj }kjk izkIr fd;s x;s mDr _.kksa esa izR;FkhZ@ifjoknh [email protected] gS A bl izdkj i{kdkjksa ds e/; fookn dsoy bl laca/k esa gS fd lg_.kh izse dqekj iq= euhjke ds }kjk vU; okguksa 8 ds laca/k esa tks _.k fy;k x;k gS] mudh vnk;xh ugha gksus ds vk/kkj ij vihykFkhZx.k@foi{khx.k dks izR;FkhZ@ifjoknh }kjk izkIr fd;s x;s _.k dh lEiw.kZ vnk;xh gks tkus ds ckotwn izR;FkhZ@ifjoknh }kjk izkIr fd;s x;s _.k ds laca/k esa vns; izek.ki= ,oa vU; nLrkostkr jksdus dk vf/kdkj gS \ _.k vuqca/k dh 'krZ la[;k 21 ds rgr vihykFkhZx.k@foi{khx.k dks ;g vf/kdkj gS fd os cdk;k _.k jkf'k dh Borrower rFkk xkj.Vj ls olwyh dj ldrs gSa] ijUrq os bl vk/kkj ij vU; _.k [kkrs ds lac/a k esa vns; izek.k&i= jksd ldrs gSa ;k ugha] bl lac/a k esa bl 'krZ esa dksbZ izko/kku ugha gS A vihykFkhZx.k@foi{khx.k dh bl vihy ds vfrfjDr bl vk;ksx ds le{k nks vU; vihy la[;k Øe'k% 38@2024 ,oa 39@2024 yfEcr gS A bl vihy ¼40@2024½ esa izR;FkhZ@ifjoknh ds }kjk Vªd la[;k vkj-ts-13&th-ch- &2335] vihy la[;k 38@2024 esa Vªd la[;k vkj-ts-13&th-ch-&2343 ,oa vihy la[;k 39@2024 esa Vªd la[;k vkj-ts-13&th-ch-&2333 ds laca/k esa vihykFkhZx.k@foi{khx.k ls _.k fy;k tkuk crk;k x;k gS A izR;FkhZ@ifjoknh }kjk mDr rhuksa Vªd ds laca/k esa vihykFkhZx.k@foi{khx.k ls vyx&vyx _.k [kkrks ds ek/;e ls _.k izkIr fd;s x;s Fks] ysfdu izR;FkhZ@ifjoknh }kjk mDr rhuksa gh Vªdksa ds lac/a k esa leku _.k jkf'k 12]11]250@&:i;s izkIr dh xbZ vkSj izR;FkhZ@ifjoknh }kjk Lohd`r :Ik ls mDr rhuksa _.kksa dh lEiw.kZ vnk;xh dj nh xbZ gS] ijUrq vihykFkhZx.k@foi{khx.k dk ;g cpko jgk gS fd izR;FkhZ@ifjoknh }kjk izkIr fd;s x;s _.k ds lg_.kh Jh izse dqekj }kjk Vª d la[;k vkj-ts-07&thlh&1903] Vªd la[;k vkj-ts-07&thlh&1906 ,oa Vªd la[;k vkj-ts-07&thlh&1904 ij _.k fy;s x;s vkSj bu _.kkaas esa izR;FkhZ@ifjoknh HkhelSu xksnkjk [email protected] Fkk A Vªd la[;k vkj-ts- 07&thlh&1903 ij dqy 13]87]676-37 :Ik;s] Vªd la[;k vkj-ts- 07&thlh&1906] ftls fnukad 11-12-2018 dks vihykFkhZx.k@foi{khx.k }kjk vius dCts esa fy;k tk pqdk gS] ij dqy 16]36]969-48 :Ik;s rFkk Vªd la[;k vkj-ts-07&thlh&1904ij dqy 14]01]325-37 :Ik;s cdk;k gS A 9 gLrxr ekeys esa izR;FkhZ@ifjoknh }kjk ftl okgu ij _.k fy;k x;k] mlds laca/k esa Lohd`r :Ik ls dksbZ _.k jkf'k cdk;k ugha gS] cfYd izR;FkhZ@ifjoknh }kjk izkIr fd;s x;s _.k ds lg_.kh izsedqekj }kjk vius Vªdksa ij vihykFkhZx.k@foi{khx.k ls izkIr fd;s x;s _.kksa ds laca/k esa jkf'k cdk;k gS] ftuesa izR;FkhZ@ifjoknh [email protected] crk;k tk jgk gSA D;k [email protected] }kjk _.k ugha pqdk;s tkus dh fLFkfr esa izdj.k ds okgu ds laca/k esa vns; izek.k&i= jksdk tk ldrk gS] ;gh ,d ek= fof/kd fcUnq bl vk;ksx ds le{k fopkj.kh; gS \ vihykFkhZx.k@foi{khx.k }kjk izLrqr dh }kjk esa ikfjr ds ekeys esa iz'uxr okgu crkSj izfrHkwfr j[kk gqvk Fkk] ftldk yksu ugha pqdk;k x;k] ,slh fLFkfr esa okgu ds laca/k esa vns; izek.k&i= ,oa nLrkost ugha ykSVk;s tkus dks lsoknks"k ugha ekuk x;k A bl vk;ksx }kjk esa ikfjr ds ekeys esa vU; _.kh ds laca/k es ikfjr vokMZ ckcr~ btjk; dk;Zokgh yfEcr Fkh] vr% vns; izek.k&i= nsus ls bUdkj djus dks lsoknks"k ugha ekuk x;k A vihykFkhZx.k@foi{khx.k dh vksj izLrqr U;kf;d n`"VkUr esa izfrikfnr fl)kUrksa ds vuqlkj Transfer of Property Act, 1882 dh /kkjk 60 ds vuqlkj ca/kd _.k okil fd;s tkus dh fLFkfr esa _.kh dks nLrkost okil ysus dk vf/kdkj gS] ijUrq /kkjk 171] lafonk vf/kfu;e ds izko/kkuksa ds vuqlkj cSad dks vU; _.kksa ds laca/k esa nLrkostkr izfr/kkfjr ¼Retain½ djus dk vf/kdkj gS A dh }kjk cmuoku b.Mlb.M cSad cuke eS-,l-,l-
dULVªD'ku esa ikfjr okys ekeys esa miHkksDrk fookn ugha ekuk x;k A U;kf;d n`"Vkar II (2001) CPJ 19 (NC), Canara Bank and Anr. Vs C.D.Patel okys ekeys esa cSad dk /kkj.kkf/kdkj ¼Lien) ekuk x;k A 10 U;kf;d n`"VkUr okys ekeys esa cSad ds /kkj.kkf/kdkj ¼Lien) dks ifjHkkf"kr fd;k x;k gS A bl ekeys esa cSad ds }kjk fu.khZr _.kh ds fo:) 1]04]441-35 :Ik;s rFkk 9 izfr'kr C;kt dh fMØh dhs fu"iknu dk;Zokgh esa fu.khZr _.kh 5]000@&:i;s izfr ekg dh fMØh'kqnk jkf'k vnk djus gsrq lger gqvk A fu.khZr _.kh ds bl iz;kstu gsrq fu.khZr _.kh dks ekuuh; fnYyh mPp U;k;ky; ds i{k esa 90]000@&:i;s dh cSad izfrHkwfr is'k djus dks dgk x;k A fnuakd 10-09-1980 dks ekuuh; fnYyh mPp U;k;ky; ds jftLVªkj ds i{k esa cSad }kjk xkj.Vh nh xbZ A cSad }kjk xkj.Vh fn;s tkus gsrq ;g 'krZ yxkbZ xbZ fd fu.khZr _.kh] _.k dh leLr jkf'k 90]000@&:i;s crkSj izfrHkwfr cSad xkj.Vh gsrq tek djs vkSj ftl ij fu.khZr _.kh ds Hkkxhnkj }kjk nks ,Q-Mh-vkj-Øe'k% 65]000@&:i;s vkSj 25]000@&:i;s dh tek djokbZ xbZ] ftudh ifjiDork frfFk 17-12-1983 ,oa 01-07-1985 j[kh xbZ rFkk cSad ds i{k esa nks nLrkost gLrk{kfjr fd;s x;s] ftuds vuqlkj eSllZ tkya/kj ckWMh fcYMlZ }kjk jkf'k tek ugha djokus rd mDr ,Q-Mh-vkj- tek jgsxh vkSj uohuhd`r gksrh jgsxh A vDVwcj]1980 eaas ekuuh; fnYyh mPp U;k;ky; dh [k.MihB }kjk cSad xkj.Vh ls fu.khZr _.kh dks vihy esa mUeksfpr fd;k x;k rFkk ewy cSad dh izfrHkwfr vihykFkhZ cSad dks okil dj nh xbZ A fMØh/kkjd }kjk yfEcr fu"iknu dk;Zokgh esa cSad xkj.Vh ds :Ik esa tek 90]000@&:i;s esa ls 35]000@&:i;s dqdZ fd;s tkus gsrq vkosnu&i= is'k fd;k x;k A dqdhZ dk vkns'k fnuakd 21- 11-1980 dks tkjh gqvk A dqdhZ vkns'k ds fo:) cSad us vkifÙk dh] ftls fnuakd 05-05-1981 [kkfjt fd;k x;k vkSj cSad dks 35]000@&:i;s dh jkf'k U;k;ky; esa tek djus ds fy, cSad dks funsZf'kr fd;k x;k A bl U;kf;d n`"VkUr esa vkxs ekuuh; loksZPp U;k;ky; }kjk iSjk la[;k 14 yxk;r 16 esa fuEufyf[kr lEizs{k.k fn;s x;s gSa%& . From the above discussion it can be gathered that the Bank guarantees are on different level andthey must be allowed to be honoured free from interference by the c ourts and a Bank which 11 gives a guarantee must honour the same according to its terms and it is only in exceptional cases that the court will interfere with the machinery of irrevocable obligations assumed by the banks. Afortiori the same principle applies in respect of Bank guarantees which are discharged. When once the Bank guarantee is discharged the obligation of the Bank ends and there is no question of going behind such discharged Bank guarantee. The court should refrain from probing into the nature of the transactions between the Bank and the customer which led to the furnishing of the Bank guarantee.
15. Now the next question is whether the FDRs which are with the Bank and on which the Bank claims a general lien can be attached. So far as the attachment is concerned, the banker's lien cannot by itself be a bar for such attachment. In para 89 of Vol.3 of Halsbury's Laws of England, 4th Edn. the law is stated as under:
For the purpose of satisfying a High Court or country court judgment for the payment of money,any sum standing to a person's credit in a deposit account in a bank is deemed to be a sum due or accruing due to that person, and to be attachable accordingly, notwithstanding that any condition applying to the account requiring that, before withdrawal, notice be given, or personal application be made, or a deposit book or a receipt for money deposited by produced, has not been satisfied. From this it follows that if a deposit is payable at a future date or after the lapse of a Specified time it is still liable to attachment. What is attached is the money in the deposit account. The banker as a garnishee, when an attachment notice is served, has to appear before the court and obtain suitable directions for safeguarding its interest. This also become clear from the perusal of Order 21 Rule 46(a) of the Civil Procedure Code. The court, in such a situation has to take into account the banker's lien over the securities or deposits regarding which garnishee notice is issued.
16. We have already held that the appellant Bank has a general lien over those two FDRs. The High Court having held that the 12 two FDRs can be attached gave a further direction dismissing the objection of the Bank that the Bank should deposit an amount of Rs. 35,000/-. As rightly contended by the learned Counsel for the appellant Bank, the Bank in the instant case has the liberty to adjust from the proceeds of the two FDRs towards the dues to the Bank and if there is any balance left that will only be the amount which would belong to the depositor namely the Judgment-debtor in this case and only such amount, if any, can be attached in discharge of a decree. It is also submitted that the liability of the Judgment-debtor to the appellant Bank was far in excess of the amounts covered by the two FDRs and therefore nothing is due from the Bank to the Judgment-debtor. This is a matter for verification. However, in the view taken by us above namely that the Bank has a general lien over the two FDRs we set aside the order of the High Court directing the appellant Bank to deposit an amount of Rs. 35,000/-. The High Court shall, however, consider the objections raised by the Bank, namely that no amounts are due to the Judgment-debtor, in the light of the above principles laid down by us and then decide whether there is any amount left for being attached by the Decree-holder in execution of his decree. With the above directions the appeal is accordingly allowed. In the circumstances of the case, there will be no order as to costs.
ekuuh; loksZPp U;k;ky; }kjk izfrikfnr mDr fl)kUrksa ds vuqlkj _.k jkf'k olwy djus ds fy, cSad dks _.kh dh lEifÙk ij /kkj.kkf/kdkj ¼Lien) gS vkSj ;fn dksbZ 'ks"k jkf'k gS rks cSad mls fu"iknu dh dk;Zokgh esa dqdZ djus ds fy, l{ke gS A U;kf;d n`"VkUr W.P.No.16399/2006 - Mohan Enterprises rep. by the Managing Partner Mr.Peetani Sambaiah Vs Andhra Bank, Narsapur Branch okys ekeys esa }kjk dks ikfjr fu.kZ; esa ;g fl)kUr izfrikfnr fd;k x;k gS fd cSad esa dksbZ Hkh vf/k'ks"k jkf'k gS rks mlds fy, cSad dks /kkjk 171] lafonk 13 vf/kfu;e ds izko/kkuksa ds vuqlkj ,Q-Mh-vkj- dks fjVsu djus ds fy, lkekU;
/kkj.kkf/kdkj ¼General Lien½ dk vf/kdkj gS A U;kf;d n`"VkUr
okys ekeys esa
}kjk dks ikfjr fu.kZ; esa ;g fl)kUr izfrikfnr
fd;k x;k gS fd xkj.Vh ds :Ik esa Hkh cSSad dks VkbVy MhM dks jksds j[kus dk vf/kdkj izkIr gS A dh }kjk okys ekeys esa dks ikfjr fu.kZ; esa rFkk bl vk;ksx dh }kjk cmuoku okys ekeys esa dks ikfjr fu.kZ; esa ;g fl)kUr izfrikfnr fd;k x;k gS fd lg_.kh ds :Ik esa ;fn nkf;Ro gS rks bl laca/k esa cSad dks xkj.Vj ds fo:) lkekU; /kkj.kkf/kdkj ¼General Lien½ dk vf/kdkj izkIr gksrk gS A dh }kjk cmuoku esa dks ikfjr fu.kZ; okys ekeys esa Overdue Interest cdk;k FkkA psd vuknfjr gqvk A nwljs _.k ds lac/a k esa dksbZ fookn r; ugha fd;k x;k A ewy C;kt vkSj Overdue Interest cdk;k gksus ds vk/kkj ij cSad }kjk vns; izek.k&i= tkjh ugha fd;s tkus dks lsoknks"k ugha ekuk x;k A blds foijhr izR;FkhZ@ifjoknh dh vksj ls izLrqr dk U;kf;d n`"VkUr F LFkxu ds lac/a k esa gS A izR;FkhZ@ifjoknh dh vksj ls izLrqr U;kf;d n`"VkUr AIR 2004 Orissa 142, Alekha Sahoo Vs Puri Urban Co-operative Bank Ltd. Okkys ekeys esa nks xksYM dk vf/k'ks"k tek djok fn;k x;k Fkk vkSj dqN Hkh cdk;k ugha Fkk A eSllZ fceyk Hk.Mkj }kjk yh xbZ Cahs Limit yksu dh xkj.Vh ds vk/kkj ij lksus dks izfr/kkfjr djus dk vf/kdkjkrhr 14 ekuk x;kA vfrfjDr izfrHkwfr ds :Ik esa cSad dks lksus dks izfr/kkfjr djus dk vf/kdkj mfpr ugha ekuk x;k vkSj lksus ds tsojkr okil fd;s tkus ds vkns'k ikfjr fd;s x;s A } cmuoku okys ekeys esa fnuakd 25-03-2019 dks ikfjr fu.kZ; okys ekeys esa ;g fl)kUr izfrikfnr fd;k x;k gS fd /kkjk 171] lafonk vf/kfu;e ds vk/kkj ij gh fcuk fdlh fof'k"B mi&fu;eksa vkSj fu;eksa ds vHkko esa cSad dk lg_.kh ds fy, /kkj.kkf/kdkj ¼Lien½ dk vf/kdkj ugha gSA vihykFkhZx.k@foi{khx.k dh vksj ls izLrqr ds U;kf;d n`"VkUr ftldk bl vk;ksx dh fofHkUu cSapksa us le;≤ ij voyEcu fy;k gS] esa izfrikfnr fl)kUrksa ls fHkUu er fn;s tkus dk dksbZ dkj.k gekjs le{k ugha gSA gkykafd ftu _.kksa dks vihykFkhZx.k@foi{khx.k ds }kjk cdk;k crk;k x;k gS] mu _.kksa ds ekeys esa izfrHkwfr fdlds }kjk nh xbZ vkSj fdl fo'ks"k _.k ds fy, fdl okgu ds dkxtkr vkSj vns; izek.k&i= jksds x;s] bl laca/k esa vihykFkhZx.k@foi{khx.k dk dksbZ fof'k"B vkns'k ugha gS] tks ikjnf'kZrk vkSj Hkfo"; esa dksbZ fookn mRiUu ugha gks] blds fy, vko';d gks ldrk FkkA gkykafd /kkjk 171] lafonk vf/kfu;e ds izko/kkuksa ds vuqlkj vihykFkhZx.k@foi{khx.k dk vU; _.kksa ds laca/k esa izR;FkhZ@ifjoknh dh lEifÙk ij /kkj.kkf/kdkj ¼Lien½ gS] ijUrq ;g /kkj.kkf/kdkj ¼Lien½ ,d vuar lhek rd ugha gksuk pkfg;s vkSj ftruh jkf'k dh olwyh cdk;k gS] mlds vuqikr esa gh olwyh lqfuf'pr djus gsrq mÙkjnkf;Ro dh lhek rd lEifÙk ij gh /kkj.kkf/kdkj ¼Lien½ mfpr ekuk tk ldrk gSA mHk;i{k dh vksj ls ,slh dksbZ lkexzh is'k ugha dh xbZ gS] ftlds vk/kkj ij ;g r; fd;k tkuk lEHko gks fd cSad ds ikl izR;FkhZ@ifjoknh lfgr vU; _.kh dh fdruh&fdruh lEifÙk izfrHkwfr ds :Ik esa gSA iz'uxr lEifÙk ds vfrfjDr vkSj dkSu&dkSu&lh lEifÙk gS] ftlls olwyh dh tk ldrh gS] bl ckcr~ Hkh dksbZ fooj.k mHk;i{k dh vksj ls is'k ugha fd;k x;k gSA vihykFkhZ vkuqikfrd :Ik ls dsoy vko';d lEifr 15 dks gh izfr/kkfjr djus dk vf/kdkjh gS vFkkZr vihykFkhZ dk ;g vf/kdkj ,d :i, gh olwyh gsrq _.kh dks 5 #i;s dh lEifÙk dks izfr/kkfjr djus dk ugha gks ldrk gSA vihykFkhZ ij Hkh bl ckcr fuca/ku vko';d izrhr gksrs gSaA vr% mijksDr lexz foospu ds vuqlkj vihykFkhZx.k@foi{khx.k ds }kjk izLrqr ;g vihy l'krZ Lohdkj dh tkdj vkyksP; fu.kZ; vikLr fd;s tkus ;ksX; ik;k tkrk gS] ysfdu U;k; fgr esa ;g vkns'k fn;k tkuk mfpr ik;k tkrk gS fd vihykFkhZx.k@foi{khx.k tokc&ifjokn esa cuh gqbZ lkj.kh esa nf'kZr cdk;k jkf'k gsrq vihykFkhZx.k@foi{khx.k dss ikl izR;FkhZ@ifjoknh ds Vªd ds vykok izfrHkwfr ds :Ik esa D;k&D;k miyC/k gS rFkk _.k fn;s tkrs le; ewy :Ik ls D;k&D;k izfrHkwfr yh xbZ] ds lac/a k esa izR;FkhZ@ifjoknh }kjk tkudkjh pkgs tkus ij mls ;g tkudkjh miyC/k djokbZ tkos vkSj }kjk U;kf;d n`"VkUr okys ekeys esa izfrikfnr fl)kUrkaas ds vuqlkj ;fn cdk;k _.k dh izfrHkwfr gsrq izR;FkhZ@ifjoknh ds lHkh Vªdksa dh vko';drk ugha gks rks muds lac/a k esa izR;FkhZ@ifjoknh dks vns; izek.k&i= tkjh dj nLrkostkr okil fd;s tkus ds laca/k esa ldkj.k fopkj fd;k tkos A vihykFkhZx.k@foi{khx.k pkSyke.Mye bUosLVesVa ,.M Qkbusl a dEiuh fyfeVsM] jftLVMZ dk;kZy; psUubZ o vU; ds }kjk izR;FkhZ@ifjoknh Jh HkhelSu xksnkjk ds fo:) izLrqr ;g vihy l'krZ Lohdkj dh tkrh gS rFkk ftyk miHkksDrk fookn izfrrks"k vk;ksx] Jhxaxkuxj }kjk miHkksDrk ifjokn la[;k 23@2019 cmuoku HkhelSu xksnkjk cuke pkSyke.Mye bUosLVesVa ,.M Qkbusal dEiuh fyfeVsM tfj;s 'kk[kk izcU/kd] Jhxaxkuxj o vU; esa ikfjr fu.kZ; fnuakd 11-01-2024 vikLr fd;k tkdj ifjoknh HkhelSu xksnkjk }kjk foi{khx.k pkSyke.Mye bUosLVesaV ,.M Qkbusal dEiuh fyfeVsM tfj;s 'kk[kk izcU/kd o vU; ds fo:) miHkksDrk laj{k.k vf/kfu;e ds vUrxZRk izLrqr ifjokn [kkfjt fd;k tkrk gS] ysfdu U;k; fgr esa ;g vkns'k fn;k tkrk gS fd vihykFkhZx.k@foi{khx.k tokc&ifjokn ds i`"B la[;k 8 vkSj 13 ij cuh gqbZ 16 lkj.kh esa nf'kZr cdk;k jkf'k gsrq vihykFkhZx.k@foi{khx.k dss ikl izR;FkhZ@ifjoknh ds Vªd ds vykok izfrHkwfr ds :Ik esa D;k&D;k miyC/k gS rFkk _.k fn;s tkrs le; ewy :Ik ls D;k&D;k izfrHkwfr yh xbZ] ds lac/a k esa izR;FkhZ@ifjoknh }kjk tkudkjh pkgs tkus ij mls ;g tkudkjh miyC/k djokbZ tkos vkSj }kjk U;kf;d n`"VkUr okys ekeys esa izfrikfnr fl)kUrkasa ds vuqlkj ;fn cdk;k _.k dh izfrHkwfr gsrq izR;FkhZ@ifjoknh ds lHkh Vªdksa dh vko';drk ugha gks rFkk dqN Vªdksa dh izfrHkwfr i;kZIr gks rks 'ks"k Vªd@Vªdksa ds lac/a k esa izR;FkhZ@ifjoknh dks vns; izek.k&i= tkjh djus vkSj nLrkostkr okil fd;s tkus ds laca/k esa ldkj.k fopkj fd;k tkos A mHk;i{k [kpkZ viuk&viuk ogu djsaxs A fu.kZ; dh izekf.kr izfr ds lkFk fo}ku ftyk miHkksDrk vk;ksx dk ewy vfHkys[k fu;ekuqlkj okil ykSVk;k tkos A