Bangalore District Court
Canara Bank vs M/S Vignesh on 15 December, 2025
IN THE COURT OF LXXXIX ADDL.CITY CIVIL &
SESSIONS JUDGE, BENGALURU. (CCH-90)
Present: Sri.K.M.Rajendra Kumar, LLM, M.Phil,
LXXXIX Addl.City Civil &
Sessions Judge, Bengaluru.
DATED THIS THE 15th DAY OF DECEMBER 2025
Com.O.S.No.1645/2024
PLAINTIFF : M/s.Canara Bank,
Vidyaranyapura Branch,
Vidyaranyapura Main Road,
Bengaluru-560 097.
Rep.by its
Chief Manager,
Sri.Vipin Chand Joshi.
(By K.Usha, Advocate)
VS/
DEFENDANTS 01. M/s.Vignesh,
A Proprietary Concern,
Represented by its
Proprietor,
Sandeep Kumar Jain,
S/o Namichand Jain,
Aged about 36 Years,
# 25/25, Benaka Arcade
Shop No.8, 9, 1st Main,
1st Block, B.E.L. Layout,
Vidyaranyapura,
Bengaluru-560 097
/2/
Com.O.S.No.1645/2024
02. Sandeep Kumar Jain,
Proprietor,
M/s.Vignesh,
S/o Nemichand Jain,
Aged about 36 Years,
and also
03. Nemichand Jain,
Major,
Both second and third defendants
are
R/at # 55, 1st Floor, 2nd Main,
12th Cross, Nanjappa Layout,
Vidyaranyapura,
Bengaluru-560 097.
(By Sri.V.Lakshmi Kanth Rao,
Advocate)
Date of Institution of suit : 04.12.2024
Nature of suit : Money Suit
(suit on pronote, suit for
declaration and
possession suit for
injunction, etc.,)
Date of commencement of : 04.08.2025
recording of evidence
Date of judgment : 15.12.2025
Total duration : Year/s Month/s Day/s
01 00 11
(K.M.RAJENDRA KUMAR)
LXXXIX ADDL.CITY CIVIL &
SESSIONS JUDGE, BENGALURU.
(CCH-90)
/3/
Com.O.S.No.1645/2024
JUDGMENT
The plaintiff bank has filed this suit against the defendants No.1 to 3 praying the Court to pass a judgment and decree that defendants 1 to 3 are jointly and severally liable to pay the plaintiff bank a sum of ₹.17,17,038/- (Rupees Seventeen Lakhs Seventeen Thousand Thirty Eight Only) together with future interest at applicable rates + 2% p.a. compounded monthly from the date of suit till its realization with costs and for such other reliefs in the interest of justice and equity.
The brief facts of the plaintiff's case are as under:
02. That, the first of the defendants, represented by its Proprietor, the second of the defendants, has availed OD facility to the limit of Rs 8 lakhs for a term of one year from the plaintiff bank under the loan A/c. No. 04811400000112 on 20-06-2020 for the purpose of its business working Capital and has executed necessary loan papers on 20.06.2020.
03. That, by considering the loan application, the plaintiff bank has sanctioned the Over draft facility to the tune of Rs. 8 lakhs vide Sanction Memorandum dtd. 20-06-
2020.
/4/ Com.O.S.No.1645/2024
04. That, the defendant has agreed to all the terms and conditions of the Sanction and to repay the loan amount with interest @ 8.55% pa with penal interest @ 2% pa on the over due amount.
05. The defendants have executed Agreement Cum Deed of Hypothecation, hypothecating stock at Home Appliances, book debts, Cash Credit Agreement dtd. 20-06- 2020 in favour of the plaintiff bank.
06. That, the defendants have submitted another application for loan to MICRO SMALL & MEDIUM ENTERPRISES [MSMES] on 19-08-2021 for enhancement of the limit.
07. The second defendant has executed the Letter of Proprietorship on 19-08-2021.
08. The the defendants have executed the PRONOTE for ₹.2,00,000/- on 19-08-2021 and agreed to pay interest @ 9.15% pa at such other rates as applicable from time to time compounded monthly.
/5/ Com.O.S.No.1645/2024
09. That, the defendants have executed the Supplemental Agreement on 19-08-2021 for increased limit of ₹.2,00,000/- totally making the enhanced limit to ₹.10,00,000/-. That, the defendants have executed the Letter of Renewal on 19-08-2021. Under the Letter of Renewal the defendants have agreed to pay the interest @ 9.15% and at such other rates as applicable from time to time. Further, the defendants have executed Link Letter to be obtained from the borrower/ guarantor, whose limit is getting renewed on or after 01-10-2019. Further, the defendants have executed the Link Letter in respect of enhancement of credit facilities on 19-08-2021.
10. Further, the defendants have submitted an application for loan to MICRO SMALL & MEDIUM ENTERPRISE[MSME] on 27-05-2022 for enhancement of the limit to ₹.12,00,000/-.
11. That, by considering the application, the plaintiff bank has sanctioned renewed OD/OCC limit to ₹.12,00,000/- on 24.06.2022.
/6/ Com.O.S.No.1645/2024
12. The rate of interest @ 9.30%, subject to changes as decided by the bank from time to time. The same also reflects that the same is tenable for one year till 23-06- 2023. That, the defendants have executed the Letter of Proprietorship on 24-06-2022, Specimen Signature Card on 24-06-2022 and the Letter of Renewal on 24-06-2022. That, the defendants have submitted the Request for Overdraft facility on 24-06-2022. The defendants have agreed to pay 2% additional interest on the over due amount till realization.
13. The defendants have executed the PRONOTE and Letter of Renewal for enhanced amount of ₹.2,00,000/-on 24-06-2022.
14. Further the defendants have executed Letter of Revival on 24-06-2022, Letter of undertaking re. Loans / Advances on 24-06-2022, Supplemental Agreement on 24- 06-2022. The defendants have executed the 'Link Letter to be obtained from the borrower/guarantor whose limit is getting renewed on or after 01-10-2019.
/7/ Com.O.S.No.1645/2024
15. That the defendants have executed the Annexure - 1, 'Clause to be incorporated in loan Agreement of the borrower, 'Link Letter in respect of Enhancement of Credit Facilities. Dtd. 24-06-2022, Letter of undertaking/consent on 24-06-2022, Link Letter Annexure V on 24-06-2022 and undertaking Letter on 24-06-2022.
16. However, the defendants have failed to maintain the loan account within the limit and the account exceeded the limit despite several personal approaches, demands, notices. The account became NPA on 31-03-2023. The present liability under the above OD facility is ₹.15,28,818/-.
17. The defendants are liable to repay the said amount with interest at present rate of interest at 11.25% pa compounded monthly from 01-11-2024 and at 2% pa penal interest on over due amount.
18. Further, the defendants have also availed loan amount of ₹.1,59,000/- under the loan account No. 04819 160000020 dtd. 11-06-2020 under Guaranteed Emergency Credit Line of MSME vide application 10-06-2020.
/8/ Com.O.S.No.1645/2024
19. By considering the application, the plaintiff bank has sanctioned an amount of ₹.1,59,000/- with applicable interest @ 7.50% pa. with a maximum of 9.25% pa. The defendants have agreed to repay the loan amount in 36 months with one year moratorium by executing the PRONOTE on 11-06-2020.
20. That, the defendants have also agreed to repay the same loan amount with 7.50% pa interest and at such other rates applicable from time to time compounded monthly.
21. That, the defendants have executed Letter of Undertaking on 11-06-2020 and Deed of Hypothecation dtd. 11-06-2020 and agreed to repay the loan amount in 36 EMI with Rs. 4416/- monthly installment, with one year moratorium. The last installment would be Rs. 4440/-.
22. That, the defendants failed to repay the loan amount as per schedule. That, the defendant have made last payment on 08-05-2023. The present liability as on 25-11-2024 is Rs.58,253/-. The defendants are liable to repay the said amount with interest @ 9.25% pa with penal interest of 2% on over due amount from 01-11-2024.
/9/ Com.O.S.No.1645/2024
23. Further, the defendants have submitted another loan application on 15-11-2021 and the plaintiff bank by considering the application has sanctioned the loan through its Sanction Memorandum dtd. 22-11-2021 under GECL-3 vide loan A/c No.170002296112- and the limit is ₹.1,15,000/-. That, the defendants have agreed to repay the said loan amount with 7.50% p.a. which is repayable in 72 months of ₹.913/- each and to pay 2% penal interest on over due amount.
24. That, the defendants have executed the PRONOTE, Letter of Undertaking re/loans/Advances and Agreement cum Deed of Hypothecation on 23-11-2021.
25. However, the last payment made by the defendants was 08-05-2023. That, the defendants have failed repay the loan amount as per agreed schedule despite several personal approaches, demands, notices and the account became over due,.
26. The present liability under the above loan account is ₹.1,26,965/-. The defendants are liable to repay the said loan amount with an interest @ 9.25% pa with 2% penal interest on the over due amount from 24-11-2024.
/10/ Com.O.S.No.1645/2024
27. That, the defendants failed to maintain the loan account with in limit and repay the loan amount as per schedule, the plaintiff bank has got issued legal notice to all the defendants on 04-08-2023. However, the plaintiff bank has not received either acknowledgment or RPAD covers back.
28. That, thereafter the plaintiff bank has initiated Pre-Institution Mediation before DLSA and the DLSA has issued Non-Starter Report dated 16.10.2024 by closing the matter.
29. That, the defendants are liable to pay the following due amounts as on the date of filing of the suit:-
Sl.No. Loan A/c Amount
01. No.04811400000112 ₹.15,28,818/- @ 11.25%+
2% penal interest
02. No. -04819160000020 ₹.58,253/- @ 9.25% + 2% penal interest
03. No. - 170002296112 ₹.1,26,965/- @ 9.25% + 2% penal interest
04. Misc.Expenses ₹.3,000/-
By contending so the plaintiff prays to decree the suit.
/11/ Com.O.S.No.1645/2024
30. After service of summons the defendant No.1 to 3 appeared before Court through their counsel but not filed written statement
31. To substantiate the case of the plaintiff, Sri.Vipin Chand Joshi, the Chief Manager of plaintiff bank is examined as PW.1 and got marked the documents as per Ex.P1 to Ex. P.53 and closed his evidence.
32. I have heard the arguments addressed by the learned Advocate for the plaintiff.
33. Now the points that arise for my consideration are as under:
(1). Whether the Plaintiff bank proves that defendants 1 to 3 are jointly and severally liable to pay the plaintiff bank a sum of ₹.17,17,038/- (Rupees Seventeen Lakhs Seventeen Thousand Thirty Eight Only) together with future interest at applicable rates + penal interest @ 2% p.a. compounded monthly from the date of suit till its realization?
(2). What Order/decree?
/12/ Com.O.S.No.1645/2024
34. My findings on the above points are as follows:-
Point No. 1 : - In the AFFIRMATIVE Point No. 2 : -As per final orders for the following REASONS
35. Point No.1: It is pertinent here to mention that as I have already narrated the facts of the case in detail at the inception, I will not repeat the facts once again at length, but I will confine myself to the material facts.
36. It is the case of the plaintiff bank that the first of the defendants, represented by its Proprietor, the second of the defendant has availed OD facility to the limit of Rs 8 lakhs for a term of one year from the plaintiff bank under the loan A/c. No. 04811400000112 on 20-06-2020 for the purpose of its business working Capital and has executed necessary loan papers on 20.06.2020. That, the defendant has agreed to all the terms and conditions of the Sanction and to repay the loan amount with interest @ 8.55% pa with penal interest @ 2% pa on the over due amount.
37. That, the defendants have submitted another application for loan to MICRO SMALL & MEDIUM /13/ Com.O.S.No.1645/2024 ENTERPRISES [MSMES] on 19-08-2021 for enhancement of the limit by executing necessary documents for enhancement of ₹.2,00,000/- on 19.08.2021 and also agreed to pay interest @ 9.15% pa and at such other rates as applicable from time to time compounded monthly by executing necessary documents on 19-08-2021.
38. Further, the defendants have submitted an application for loan to MICRO SMALL & MEDIUM ENTERPRISE[MSME] on 27-05-2022 for enhancement of the limit to ₹.12,00,000/-. That, by considering the application, the plaintiff bank has sanctioned renewed OD/ OCC limit to ₹.12,00,000/-. The rate of interest @ 9.30% p.a. and 2% additional interest on the over due amount till realization. subject to changes as decided by the bank from time to time.
39. That, the defendants have executed necessary documents to avail loan renewal.
40.However, after availing the loans, the defendants have failed to maintain the loan account within the limit and the account exceeded the limit despite several personal /14/ Com.O.S.No.1645/2024 approaches, demands, notices. The account became NPA on 31-03-2023. The present liability under the above OD facility is Rs.15,28,818/-.
41. The defendants are liable to repay the said amount with interest at present rate of interest at 11.25% pa compounded monthly from 01-11-2024 and at 2% pa penal interest on over due amount.
42. Further, the defendants have also availed loan amount of ₹.1,59,000/- under the loan account No. 04819160000020 dtd. 11-06-2020 under Guaranteed Emergency Credit Line of MSME vide application 10-06- 2020. By considering the application, the plaintiff bank has sanctioned and amount of ₹.1,59,000/- along interest @ 7.50% pa. with a maximum of 9.25% pa. The defendants have agreed to repay the loan amount in 36 months with one year moratorium by executing necessary documents and agreed to repay the loan amount in 36 EMI with Rs. 4,416/- monthly installment, with one year moratorium.
43. That, the defendants failed to repay the loan amount as per schedule. The defendants have made last /15/ Com.O.S.No.1645/2024 payment of loan amount on 08-05-2023. The present liability as on 25-11-2024 is Rs 58,253/-. The defendants are liable to repay the said amount with interest @ 9.25% pa with penal interest of 2% on over due amount from 01- 11-2024.
44. Further, the defendants have submitted another loan application on 15-11-2021 and the plaintiff bank by considering the application has sanctioned the loan through its Sanction Memorandum dtd. 22-11-2021 under GECL-3 vide loan A/c No.170002296112 and the limit is ₹.1,15,000/-. That, the defendants have agreed to repay the said loan amount with 7.50% p.a. which is repayable in 72 months of ₹.913/- each and to pay 2% penal interest on over due amount by executing necessary documents.
45. However, the last payment made by the defendants was 08-05-2023. That, the defendants have failed repay the loan amount as per agreed schedule despite several personal approaches, demands, notices and the account became over due,.
/16/ Com.O.S.No.1645/2024
46. The present liability under the above loan account is ₹.1,26,965/-. The defendants are liable to repay the said loan amount with an interest @ 9.25% pa with 2% penal interest on the over due amount from 24-11-2024.
47. That, the defendant failed to maintain the loan account with in limit and repay the loan amount as per schedule, the plaintiff bank has got issue legal notice to all the defendants on -04-08-2023. However, the plaintiff bank has not received either acknowledgment or RPAD covers back.
48. That, the defendants are liable to pay the following outstanding due amount with interest:-
Sl.No. Loan A/c Amount
01. No.04811400000112 ₹.15,28,818/- @ 11.25%+
2% penal interest
02. No. -04819160000020 ₹.58,253/- @ 9.25% + 2% penal interest
03. No. - 170002296112 ₹.1,26,965/- @ 9.25% + 2% penal interest
04. Misc.Expenses ₹.3,000/-
/17/ Com.O.S.No.1645/2024
49. That, thereafter the plaintiff bank has initiated Pre-Institution Mediation before DLSA and the DLSA has issued Non-Starter Report dated 16.10.2024 by closing the matter. All the efforts made by the bank did not yield any result. Hence, the plaintiff was constrained to file this suit.
50. In order to support the case of the plaintiff bank the Chief Manager of the plaintiff bank has filed affidavit in lieu of his examination in chief and examined himself as PW.1 reiterating almost all the contents of the plaint. Apart from, PW.1 has produced Original loan application dated 16.06.2020 and marked as Ex.P.1. As per the said document it appears the defendants have applied for OD/CC facility of ₹.8,00,000/- and it is not in dispute.
51. The Ex.P.2 is the Original sanction letter dated 20.06.2020 wherein it appears the plaintiff bank has sanctioned OD facility of ₹.8,00,000/- to the defendants.
52. The Ex.P.3 is the Original letter requesting OD facility wherein it appears the defendants have requested for overdraft facility with the plaintiff bank.
/18/ Com.O.S.No.1645/2024
53. The Ex.P.4 is the Original pro-note dated 20.06.2020. The Ex.P.5 is the Original deed of hypothecation dated 20.06.2020. The Ex.P.6 is the Original cash credit agreement dated 20.06.2020. The Ex.P.7 is the Personal particulars of guarantor/ defendant No.2.
54. The Ex.P.8 is the Original loan application submitted by defendant No.2 on behalf of defendant No.1 dated 19.08.2021. As per the said document the defendants have requested the plaintiff bank for enhancement of ₹.2,00,000/- overdraft facility.
55. The Ex.P.9 is the Letter of proprietorship dated 19.08.2021. The Ex.P.10 is the Pronote dated 19.08.2021. The Ex.P.11 is the Supplemental Agreement dated 19.08.2021.
56. The Ex.p.12 is the Letter of renewal dated 19.08.2021 wherein it appears the plaintiff bank has renewed the existing loan limit from ₹.8,00,000/- to ₹.10,00,000/-.
/19/ Com.O.S.No.1645/2024
57. The Ex.P.13 is the Link letter dated 01.10.2019. The Ex.P.14 is the another link letter in respect of enhancement of credit facility. The Ex.P.15 is the Letter of undertaking dated 19.08.2021. The Ex.P.16 is the Letter evidencing execution of documents dated 19.08.2021.
58. The Ex.P.17 is Original loan application submitted by the 1st defendant through 2nd defendant dated 27.05.2022 wherein it appears the defendants have applied to extend the existing loan limit from ₹.10,00,000/- to ₹.12,00,000/-.
59. The Ex.P.18 is the Sanction memo dated 24.06.2022 and it is not in dispute.
60. The Ex.P.19 is the Letter of proprietorship dated 24.06.2022. The Ex.P.20 is the Specimen signature card. The Ex.P.21 is the Request letter dated 24.06.2022 seeking overdraft facility. The Ex.P.22 is the Pronote dated 24.06.2022.
61. The Ex.P.23 is the Letter of renewal dated 24.06.2022. The Ex.P.24 is the Letter of revival dated /20/ Com.O.S.No.1645/2024 24.06.2022. The Ex.P.25 is the Letter of undertaking dated 24.06.2022. The Ex.P.26 is the Original supplemental agreement dated 24.06.2022. The Ex.P.27 is the Link letter dated 24.06.2022. The Ex.P.28 is the Document pertaining to clause to be incorporated in Loan agreement. The Ex.P.29 is the Link letter dated 24.06.2022. The Ex.P.30 is the Letter of undertaking dated 24.06.2022. The Ex.P.31 is the Link letter dated 24.06.2022. The Ex.P.32 is the Undertaking letter dated 24.06.2025.
62. The Ex.P.33 is the Original loan application dated 10.06.2020 and it is not in dispute.
63. The Ex.P.34 is the Sanction Memo wherein ₹.1,59,000/- has been sanctioned to the defendants by the plaintiff bank on conditions.
64. The Ex.P.35 is the Pronote dated 11.06.2020. The Ex.P.36 is the Letter of undertaking dated 11.06.2020. The Ex.P.37 is the Agreement cum deed of hypothecation dated 11.06.2020. The Ex.P.38 is the Certificate of loan papers dated 11.06.2020.
/21/ Com.O.S.No.1645/2024
65. The Ex.P.39 is the original loan application dated 15.11.2021 and it is not in dispute. The Ex.P.40 is the sanction memo dated 22.11.2021 wherein the plaintiff bank has further sanctioned ₹.1,15,000/- to the defendants on condition.
66. The Ex.P.41 is the Specimen signature card. The Ex.P.42 is the Pronote dated 23.11.2021. The Ex.P.43 is the Letter of undertaking dated 23.11.2021. The Ex.P.44 is the agreement cum deed of hypothecation dated 23.11.2021. The Ex.P.45 is the Letter of undertaking dated 23.11.2021.
67. The Ex.P.46 is the office copy of legal notice dated 04.08.2023 wherein the plaintiff bank called upon the defendants to repay the loan amount of ₹.12,71,708/-, ₹.50,475/- , ₹.1,10,996/- and ₹.63,812/- together with interest as on the date of issuance of legal notice pertaining to the loan accounts maintained by the defendants with the plaintiff bank. The Ex.P.47 is the 3 postal receipts.
68. The Ex.P.48 is the computer generated copy of account ledger extract from 24-06-2022 to 23.06.2023. The Ex.P.49 is the computer generated copy of account ledger /22/ Com.O.S.No.1645/2024 extract from 24-06-2024 to 25.11.2023 and as per Ex.P.48 and Ex.P.49 documents it appears the defendants are liable to a sum of ₹.15,28,818/- as on October 2024.
69. The Ex.P.50 is the computer generated copy of account ledger extract from 11.06.2020 to 25.11.2024. The Ex.P.51 is the computer generated copy of account ledger extract from 23.11-2021 to 25.11.2024 and as per Ex.P.50 and Ex.P.51 documents it appears the defendants are liable to a sum of ₹.1,50,370/- as on November 2024.
70. The Ex.P.52 is the computer generated copy of account ledger extract from 01.08.2024 to 31.07.2025 and it is not in dispute.
71. The Ex.P.53 is the certified copy of PIM report wherein it appears even though the notice is served upon the defendants, the defendants remained absent before DLSA.
72. In the present case on hand even after issuance of legal notice and Pre-Institution Mediation Notice to the defendants, the defendants neither repaid the amount nor /23/ Com.O.S.No.1645/2024 replied to the legal notice or to the DLSA notice. Hence, this Court has got no impediment to draw an adverse inference that the defendants are liable to pay the outstanding due amount as claimed by the plaintiff.
73. On meticulous perusal of the documentary proofs and marshaling the evidence of PW.1 it is crystal clear that the defendants 1 to 3 are jointly and severally liable to pay the plaintiff bank a sum of ₹.17,17,038/- (Rupees Seventeen Lakhs Seventeen Thousand Thirty Eight Only) together with future interest at applicable rates + 2% p.a. compounded monthly from the date of suit till its realization.
74. The evidence of PW.1 along with documents Ex.P.1 to Ex.P.53 remained unchallenged, uncontroverted and unrebuted. Hence, the plaintiff bank is entitled for the reliefs as prayed for. Accordingly, I answer Point No.1 in the AFFIRMATIVE.
/24/ Com.O.S.No.1645/2024
75. Point No.2: In view of the discussions on point No.1, I proceed to pass the following:
ORDER The suit filed by plaintiff bank is hereby decreed with costs.
The defendant No.1 to 3 are hereby directed to pay the plaintiff bank a sum of ₹.17,17,038/- (Rupees Seventeen Lakhs Seventeen Thousand Thirty Eight Only) together with future interest at applicable rates as under along with penal interest @ 2% p.a. compounded monthly from the date of suit till its realization:
01. Loan A/c No.048114 ₹.15,28,818 00000112 /- @ 11.25%
02. Loan A/c No. 0481916 ₹.58,253/-
0000020 @ 9.25%
03. Loan A/c No. 170002 ₹.1,26,965/-
296112 @ 9.25%
04. Misc.Expenses ₹.3,000/-
Draw decree accordingly.
The office is hereby directed to send a copy of the judgment to the plaintiff through e-mail as per Order XX Rule 1 of /25/ Com.O.S.No.1645/2024 CPC as amended by Section 16 of Commercial Courts Act, 2015.
(Dictated to the Stenographer directly on computer, corrected and then pronounced by me in the open court on this the 15th day of December 2025).
(K.M.RAJENDRA KUMAR) LXXXIX ADDL.CITY CIVIL & SESSIONS JUDGE, BENGALURU. (CCH-90) ANNEXURES List of witnesses examined for the plaintiff:
P.W.1 Sri.Vipin Chand Joshi List of documents exhibited on behalf of the plaintiff:
Sl.No. Particulars of documents Ex.P.
1. Original loan application dated Ex.P.1 16.06.2020
2. Original sanction letter dated Ex.P.2 20.06.2020
3. Original letter requesting OD facility Ex.P.3
4. Original pro-note dated 20.06.2020 Ex.P.4
5. Original deed of hypothecation dated Ex.P.5 20.06.2020
6. Original cash credit agreement dated Ex.P.6 20.06.2020 /26/ Com.O.S.No.1645/2024
7. Personal particulars of guarantor/ Ex.P.7 defendant No.2
8. Original loan application submitted Ex.P.8 by defendant No.2 on behalf of defendant No.1 dated 19.08.2021
9. Letter of proprietorship dated Ex.P.9 19.08.2021
10. Pronote dated 19.08.2021 Ex.P.10
11. Supplemental agreement dated Ex.P.11 19.08.2021
12. Letter of renewal dated 19.08.2021 Ex.P.12
13. Link letter dated 01.10.2019 Ex.P.13
14. Another link letter in respect of Ex.P.14 enhancement of credit facility
15. Letter of undertaking dated Ex.P.15 19.08.2021
16. Letter evidencing execution of Ex.P.16 documents dated 19.08.2021
17. Original loan application submitted Ex.P.17 by the 1st defendant through 2nd defendant dated 27.05.2022
18. Sanction memo dated 24.06.2022 Ex.P.18
19. Letter of proprietorship dated Ex.P.19 24.06.2022
20. Specimen signature card Ex.P.20
21. Request letter dated 24.06.2022 Ex.P.21 seeking overdraft facility
22. Pronote dated 24.06.2022 Ex.P.22
23. Letter of renewal dated 24.06.2022 Ex.P.23 /27/ Com.O.S.No.1645/2024
24. Letter of revival dated 24.06.2022 Ex.P.24
25. Letter of undertaking dated Ex.P.25 24.06.2022
26. Original supplemental agreement Ex.P.26 dated 24.06.2022
27. Link letter dated 24.06.2022 Ex.P.27
28. Document pertaining to clause to be Ex.P.28 incorporated in Loan agreement
29. Link letter dated 24.06.2022 Ex.P.29
30. Letter of undertaking dated Ex.P.30 24.06.2022 (Page No.147)
31. Link letter dated 24.06.2022 Ex.P.31
32. Undertaking letter dated 24.06.2025 Ex.P.32
33. Original loan application dated Ex.P.33 10.06.2020
34. Sanction memo Ex.P.34
35. Pronote dated 11.06.2020 Ex.P.35
36. Letter of undertaking dated Ex.P.36 11.06.2020
37. Agreement cum deed of Ex.P.37 hypothecation dated 11.06.2020
38. Certificate of loan papers dated Ex.P.38 11.06.2020
39. Original loan application dated Ex.P.39 15.11.2021
40. Sanction memo dated 22.11.2021 Ex.P.40
41. Specimen signature card Ex.P.41
42. Pronote dated 23.11.2021 Ex.P.42 /28/ Com.O.S.No.1645/2024
43. Letter of undertaking dated Ex.P.43 23.11.2021
44. Agreement cum deed of Ex.P.44 hypothecation dated 23.11.2021
45. Letter of undertaking dated Ex.P.45 23.11.2021
46. Office copy of legal notice dated Ex.P.46 04.08.2023
47. 3 postal receipts Ex.P.47
48. Computer generated copy of account Ex.P.48 ledger extract from 24-06-2022 to 23.06.2023
49. Computer generated copy of account Ex.P.49 ledger extract from 24-06-2024 to 25.11.2023
50. Computer generated copy of account Ex.P.50 ledger extract from 11.06.2020 to 25.11.2024
51. Computer generated copy of account Ex.P.51 ledger extract from 23.11-2021 to 25.11.2024
52. Computer generated copy of account Ex.P.52 ledger extract from 01.08.2024 to 31.07.2025
53. Certified copy of PIM report Ex.P.53 /29/ Com.O.S.No.1645/2024 List of witnesses examined for the defendant/s:
NIL List of documents marked for the defendant/s:
NIL (K.M.RAJENDRA KUMAR) LXXXIX ADDL.CITY CIVIL & SESSIONS JUDGE, BENGALURU. (CCH-90) ****