Sr. Manager Hsidc (Now Hsiidc) And ANR v. Ashok Kumar Shah

   

       

!"#$#%&'&()*+
 ,#(&-  !(!.#-/  !-0!(!  ,"!"#  ($1'"-&!2  #3#245#("  -4-!"&( 6&5&"#$/  7  8(7(  !'  !-0!(!  ,"!"#  ($1'"-&!2  !($  (-!'"-1%"1-# #3#245#(" -4-!"&(6&5&"#$ / $0.9&:!- 1-.!(/!($!(":#- #"&"&(#-'

9#-'1'

':8;15!-,:!: #'4($#("

)  <6  , ;

6,  -#'#(")= -;!5!2,#:.!2/$3%!"#/ -4#"&"&(#-' -!-':1(.#-/$3%!"#/ --#'4($#("  >:#":#-":##4-"#-'2%!2(#7'4!4#-5!0?#!227#$" '##":#@1$.5#("A
 ?#-##--#$"":##4-"#--("  >:#":#-":#@1$.5#("':12$?#-#4-"#$&(":#$&.#'"A == == ;

6, 

6 541.(#$  &(  4-#'#("  -#3&'&(  &'  -$#-  $!"#$  


((#B1-#== /4!''#$?02#!-(#$ &3&21$.# 1(&-&3&'&( / 1-.!(/ &(  7:&%:  7:&2#  #B#%1"&(.  @1$.5#("  !($  $#%-##  $!"#$ 




((#B1-#==
/  4!''#$  ?0  2#!-(#$  $$&"&(!2  &'"-&%"  1$.#/  1-.!(/ 4-#'#("4#"&"&(#-'7#-#$&-#%"#$"-#%('&$#-":#-#'"-!"&(42"&( C1#'"&("$#%-##:2$#--#4-#'#("#$":-1.::&' !&(!($1-":#- &('#%($-$#-$!"#$
 ((#B1-#== /4!''#$?02#!-(#$ &3&2 1$.# 1(&-&3&'&( / 1-.!(/!442&%!"&(&2#$?0'-$&-#%"&(. !&(/ :2$#-$#%-##:2$#-"4-3&$#$#"!&2'':8;15!-,:!:/ $#%-##:2$#-7!'$#%2&(#$

=
= :#?!%8.-1($%!'#&'":!"':8;15!-,:!:&2#$!'1&" &# &3&2,1&"D

( D -$#%2!-!"&("":###%"

":!"-#'154"&(42"D$!"#$*D!($":#-4-%##$&(.' $##($!("'  !-0!(!   ,"!"#  ($1'"-&!2  #3#245#("  -4-!"&(  6&5&"#$ -#.!-$&(.  -#'154"&(    42"  !-#  &22#.!2  !($  %('#C1#("20  4#-5!(#(" &(@1(%"&(7!'!2''1.:"--#'"-!&(&(.$##($!("'-5&("#-#-&(.- $&'"1-?&(.!($$&'4''#''&(.42!&("&-5'!&$$&'41"#$42":#2#!-(#$ $$&"&(!2  &3&2  1$.#  ,#(&-  &3&'&( /  1-.!(/  3&$#  @1$.5#("  !($ $#%-##$!"#$
/$#%&$#$":#'1&"?04!''&(.":#227&(.$#%-##)= <
 (3&#750&($&(.'(&''1#'!($
/'1&" 42!&("&  !&2'  !($  ":# '!5# &'  $&'5&''#$  #%-## ':##"  ?# 4-#4!-#$!%%-$&(.20!($&2#?#%('&.(#$"-#%-$-5!"#- (#%#''!-0%542&!(%#< :#$#%-##:2$#-&2#$#B#%1"&(?#-#":# B#%1"&(. 1-"

%542!&(&(.":!"$#%-##:!'("?##(#B#%1"#$#1-":#-%2!&5#$":!":# :!'-#%#&3#$2#""#-$!"#$ 
-5-#'4($#("'7:#-#?0!(-$#-$!"#$ D
D&''"!"#$":!3#?##(4!''#$:#'!&$-$#-&'&22#.!2!($("&( %(-5&"0  7&":  $&-#%"&('  &''1#$  ?0   !44#22!"#  1-"   :#  '1&"  7!'

$&'5&''#$  ?0  2#!-(#$  $$&"&(!2  &3&2  1$.#  ,#(&-  &3&'&( /  3&$# @1$.5#("  !($  $#%-##  $!"#$  
   ((#B1-#==    7#3#-/  &( !44#!2/":#2#!-(#$$$&"&(!2&'"-&%"1$.#/ 1-.!(/3&$#@1$.5#("!($ $#%-##$!"#$


/4!''#$":#227&(.$#%-##)= <  (3&#750!?3#$&'%1''&(!($&($&(.'/":#!44#!2 '"!($'  !%%#4"#$  "  ":&'  #B"#("   :#  @1$.5#("  !($  $#%-##   2#!-(#$  27#-  1-"  &'  :#-#?0  '#"  !'&$#   :# -#'4($#("'=$##($!("' !-#$&-#%"#$"-#%('&$#-":#%!'# ":#-#'"-!"&(":#42"&(C1#'"&("":#42!&("&=!44#22!(" !($4!''!(!44-4-&!"#-$#-!"#-.&3&(.$1#:#!-&(."":# 42!&("& #%-##':##"?#4-#4!-#$ &2#":#27#- 1-"

!2(.7&":%40@1$.5#("?#'#("?!%8<

== :# B#%1"&(. 1-"/3&$#-$#-$!"#$

/"83&#7 ":!"  '  :!3#  ("  1220  %542&#$  7&":  -$#-    1-"  !($  4!''#$  ":# 227&(.-$#-)= < 7/&(3&#7!?3#$&'%1''&(/&"!44#!-'":!"":#' :!3#("1220%542&#$7&":":#-$#-":#6$ 1-"

%('&$#-&(.":#%!'#-#!22"5#("42"&(C1#'"&("":# $#%-##:2$#- 42!&("&!'4#-":#-$#-$!"#$


#(%#/ ":#42#!'@1$.5#("$#?"-'":!"":#-&.&(!2!22""##!&2#$" !44#!-!($":#  :2$#-%12$(""#22!?1"":#%1--#("

!$$-#''42!&("&!-#("5!&("!&(!?2#7:#(:&''"!"1'7!' ("C1#'"&(#$?0":#44#22!"# 1-"!2'#(%#/&"!44#!-'

":!"'':12$-#%('&$#-":#-#'"-!"&(":#42"&(C1#'"&( "":##%-##2$#--#4-#'#("#$":-1.::&' ,:!&( :&'  1-"  :#-#?0  $&-#%"'  ":#  '  "  -#%('&$#-  ":# -#'"-!"&(    ":#  42"  &(  C1#'"&(  "  ":#  $#%-##  :2$#- -#4-#'#("#$":-1.::&' !&("&%#?#&''1#$"":# '"-#%('&$#-!22"5#("!($-#'"-!"&(42"&(C1#'"&(" ":#":-1.::&' !($.&3#:&5$1#:#!-&(.7&":&("7 5(":'4!''&(.":&'-$#-7/"%5#14(
/ -%542&!(%#-#4-"&(":&'-#.!-$< ,1?'#C1#("20/'53#$!(!442&%!"&(-$&-#%"&(.!&(/

 :2$#-   $#%-##:2$#- " 4-3&$# $#"!&2'    $#%-##:2$#- !22""## ,!5#7!'!2'$&'5&''#$/3&$#-$#-$!"#$
 ((#B1-#== / 4!''#$?02#!-(#$ &3&21$.# 1(&-&3&'&( / 1-.!( :!3#:#!-$ ":#2#!-(#$%1('#2'-4!-"&#'!($:!3#!2' %!-#1220.(#":-1.:&2#

(?#:!24#"&"&(#-'/&"&'3#:#5#("20!-.1#$":!"':8 ;15!-,:!:/-&.&(!2$#%-##:$2#-&'-#4-#'#("#$":-1.::&'  !&(:#%!'#-&.&(!2!22""##7!'"?#-#%('&$#-#$7#3#-/' !&2#$"-#%('&$#-":#%!'#-&.&(!2!22""##&("#-5'$#%-##!($4!''#$

= = -$#-$!"#$ D
D/$#%2&(&(.-#4-#'#("!"&(47#-!""-(#0 #-'"7:&2#!22""##--#=!22"5#("42"!"":#-!"#!442&%!?2#(":#$!"# -#=!22"5#("

(?#:!2-#'4($#("=$#%-##:2$#-/&":!'?##(3#:#5#("20 !-.1#$":!"(20-#4-#'#("!"&(!&(/ $#%-##:2$#-/:!'?##( -#@#%"#$!($":!"%!'#-#=!22"5#("42""$#%-##:2$#-:!'("?##( %('&$#-#$ 7/":&' 1-"&'"'##!'"7:#":#-$#%-##&'%542&#$7&": -("!'%2!&5#$?04-#'#("4#"&"&(#-'='A

40$#%-##-#4-$1%#$!?3#':7'":!"$##($!("'=' 7#-#$&-#%"#$"-#%('&$#-":#%!'#--#!22"5#("$5&""#$20/&(":#5!&( '1&"/42!&("&7!'-#4-#'#("#$":-1.::&' !&(/7:7!'41-'1&(.

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
/ =4#-'C5"-''1%:/%55&""##$&$("&($ !(05#-&"&(-#!22""&(.":#'!&$42"!"":#-!"#!442&%!"&((
 "#-.&(.":-1.:":#-$#-$!"#$D
D ((#B1-#== /4!''#$?0 %55&""## -4-!"&(/  !5":#3&#7":!"%55&""##:!$&(!%" -#%('&$#-#$":#%!'#--#!22"5#("42"(":#!442&%!"&(&2#$?0

=+= 47#-!""-(#0-&.&(!242!&("&/7:&%:&'!44!-#("20(?#:!2 42!&("&=:#-#!"#-/5!0?#-!(0-#!'(&(./%55&""##$#%2&(#$" -#%('&$#-":#%!'#-(#-":#":#--#!'(   :#-#-#/":#%!'# $#%-##:2$#-:!'?##($##5#$"?#-#%('&$#-#$!($$#%2&(#$/3&$#-$#- $!"#$  D
D   '  '1%:/  $#%-##  $!"#$ 


/  4!''#$  ?0  2#!-(#$ $$&"&(!2&'"-&%"1$.#/ 1-.!(/:!'?##(%542&#$7&":#%-##:2$#-/ &'!$3&'#$/%!(!27!0'%:!22#(.#'!&$-$#-?#-#":#!44-4-&!"#-15 "'##8-#$-#''!2:&'.-&#3!(%# (  3&#7    !?3#/  &541.(#$  -$#-  $!"#$  


((#B1-#== /  &'  '#"  !'&$#  !($  %('#C1#("20/  -$#-  $!"#$  


((#B1-#== /?#%5#'&(-1%"11'!($&'$&'4'#$!''1%:  '! -#'12"-#.&(.$&'%1''&(/4-#'#("-#3&'&(&'!227#$,&(%#5!&(%!'# :!'  ?##(  !227#$/  ":#-#-#/  4#($&(.  !442&%!"&(/  &  !(0/   !2'  '"!($' $&'4'#$

;

6,   

*+
 '@8' >:#":#-'4#!8&(. -#!'(#$ ) #'  >:#":#-#4-"!?2# ) #'