← Library
High Court of Punjab and HaryanaCR/8842/2015disposed of

Hdfc Bank Ltd & ORS v. Harwant Singh & ORS

2016-07-22Mr. Justice Arun Monga12 pages

  

     

  !

"# $%&'

(  )  "*+#,(-&./"0#12  ##2 32& "24"#5610#12  7,#    

 ! ! "#

$%

2#% -2",11//"2(52,$"#4#1 -23"/1"5"1(,$"#(

2#17##2 -2-"'"*-"#1&2(,$"#(

227,#  88888 ! "#

17##21"*,#19&2,$# #1&2# &,22#$

: #1##&# ," 2##6;", #1 .7&6,  2,2  ,"#,     !  <=&2  ;

>?(  412/'  #1 "77$"#  #127,#;7"#

 2 #"*6  "$# "6"# #1 7##2;"*1"/"4,",#1"*1"/,2$#,# 2"#1".&###1=## @ ))A<426'2$2,,"@ 

  #12,2?(22&'$.7&#,"  (>@(!

!;)

,7#,4#1 #1"*#11"7  ","4" 2##6;",#12,2 <=&2  ;

?    #1  ".  ,"#(  412/'  #1  "77$"#  ,"#,

>  ! ,/'#17##2 24#1,2"4" #1".&#( ,7#,&,272###1&2#(1"/,., -2",11//"2("2,52 &"#,/' -23"/1"  5"1  ,$"#(  "77"26    /1"    #1  7##2 &/.##1"##17##2;"*1","22"772"$1,#1&2#,  !)   !$1"66#12,2,"#, !  !

",   !(412/'#1#2"&2#("$&###&#,"##1 #"$ #127,#;7"#

(1",,2$#,#1"*#2"#1 1"2 7"#

!1#2"&2##$,#1 "$##1"#27,#;

"24"#5614""$;1"22##1=##

:B'"2,&# #1 ##"",."&26 @: B'"2,1#2",4".2#6"6, 4#1#1"*(41$14",&,2#15

5$#(

2"&.

  ( ( (C;","".&#  ( >() (! C;2.",,7#, 4#1#1"*(41$14" &,=$"

#22"6#1&##",6 ,&1"77$"#4" ,/'/#1#1$;1"22(("2".

561","/2561 22" #1".&#1$". #1#12 "77$"#1"/"4,""#2.."&23;";#1$".

#1$##627,#(#1#2"&2#,2$#,#1"*#2"#1

 & ".&#B&"##  @ ))A1"2(&#  #1##"".&#'6 ,7#,4#1#1"*#11"7 #1  "64#1#2#&7# #1,"# 2"(&/9$## &216#172"/,#1&.

!((C;",,.#'/, :!((C;1"

2.#, ,2$#$".#/7",#12,2,"#, >

(142( !  !(#1#2"&2#(#1"77$"#.,/'"24"#561 2 #"*6"$#"#1"*1",#$.7,4#1#12,2(2,2, 2 "##"$1.#    #1  7272#'  1  &2#(  ,  2,2  ,"#,  >>  !( ,7,  !)   !"

#2#$6#1"26&.#  #1$& 2#1"*4#126"2,##11"2 7"#

!;

"24"#561#$42&,##17"2#2 266$# #1"##$*7 #1"*$&,/,"#1"*4" $&226#1,"."6$1"2646##1$"2",$&#,'42( #1  &2#  1",  6  /2#'  #  #1  "*  #    #1  #$*    # 7("##12*",$# #17"#

",#1".&#( 2$,(4&,/,7#,&$1."2",.,"#1",/ ,;";#1&27&".&#((  D#1#1"

2.#, ,2$#(#127##4",7,   &2#12&/.##1"##1"*1",#"6""772"$1#1 &2#, ) !)  !"2,2,"#,:>  !

$&,#//2&61###1#$ #1&2#(412/'#1"*4"

  ,2$#,  #   "22"6C,  #1  $1B&    #1  "##"$1,  ".&#  

 (>@(!

!;)

 "&2 7"#

;"24"#561(#2. #1 2,2,"#, !  ! "$#("72#1$"$&"#1#"##"$1,4#1 #172&27##","4"#172#2" =&2 ;@(#1".&# "2#1"41"#1"/2,2,#/ 2$2, 2.#1"*",#1&2#("

#2#$6#1$##

#17"2#(,7, #1"

2.#,27##,2,2 ,"#, @>  !,2$#6#1#2"$&2##7""2,2"$$2,"$ 4#1"4("

#266"772#&#' 1"26##1"*(&/9$## ,#2."#    &##",6  ".&#(  "  "77"2#'  14    #1 $"$&"#1#2 22,#","4"#1,2$#$#",#1 2,2  ,"#,  >>  !    "  #2.  ."&2(  #1  #2"  &2#  4" 2#2", 2.,/&26#1".&###1",9&,$"# #1"$#&" ".&#"$$2,"$4#1"4   "  &/.#  #1"#  "

#2  7"6    #1  2,2  ,"#, >>  !( #1"*1",,7#,#1 ".&# B&"@ ))A1"2

"24"#561".&#6#

()() !C;"2 $#,#1$"$&"# ,  $1B&  )@:  ,"#,  >  !  2  4"2,  ,/&2.# 42(  ,&26  #1  #226&.(    #1  "77$"#  ,$"#6  #1 "

2.#,".&#(#4""#"#,#1"##1"##"$1.#(2,2, /'#1#2"&2#(/2",",#1"*4&,2.##1"##"$1,

  ".&###1#2"&2###1."41(#17##2;"* 2.##,#1#2"##"$1,".&#  (>@(!

!;)

/'." "

/"*2  $1B&C,2"

#  ,"#,  >  !(  /&#  #1  #2"  &2#  ,,  # ",9&,$"##1"77$"#"

2.#,  &2#12&/.##1"#"

#27"6 #12,2,"#,

@>  !(",$"#,"/(#1"*1", ,""77$"#,"#,

>  ! 24#1,2"4" #1".&#,7#,&,272###1 &2# >  !#172.#1"##1="$#".&#7"'"/ 4"'##/,#2.,#17,6&#&26#17,$' #1 &#(#1#2"&2#,7"2"#2,2,"#,    !(,$,,#1 "77$"# #127,# 2#"*6"$#"6"##1"*"

21 #    #1  ",  "77$"#  41$1  4"  ,7,    ",  #1  2,2   $1"6,#172#27##  &2#12&/.##1"##1&2#1","2",'#12,2 ,"#, @>  !(,2$#,#1#2"&2##,#2.#1&##",6 ".&#"72#1$"$&"#",#", 7,26&7&$1&( #1#2"&2#2,2,#1"##1".&#  (>@(!

!;)

(41$11",# /,7&#,/'#1"*",(#12 2(,2$#,#1, ,"## 2"#1".&###1=## @ ))A<426'2$2,,"@  #12,2?,7#,4#1#1"*#11"7  #"24"# 5614#1"72,  !,"'1#2"&2#"#$,#1"##1

 ' ".&#"2",'#,,7#,4#1#1&2#/2",# #1$2$&.#"$(#172#27##1"/ ,#1 62&,#1"##127",6 ",#1,2$# #1 "77$"#","' #17",6(#1".&#",#2.,/'#1 #2"$&2#1",/2.##,1",.4"'B&"#11"21 #2"&2#1"#7,2,&7#1$"$&"#1#(=&2 ;@ "##"$1,  4#1  #1  72#  2  7##(  "$$2,6  #  41$1  #1 &##",6  ".&#    "2    #1"  41"#  1"  /  #$,    #1 .7&6,2,21&##7,61#2"&2#&61### 1"7",#12,2"##"#".&##,$26#1&#  &2#12&/.

##1"#,&/#(#1&2##12,2 ,"#,  >>  !  1",  /2,  #1"#  #1  "*  1",  "$*4,6,  #1 ".&# 1"2 27,#"24"#561'6,7#,4#1#( /&##1B&"# $"# #11"2"."##2 ,7&#(41$11"# /=".,/'#1&2#",#12,21"/7",  &2#12&/.##1"# #1#2"&2#(417"6#1 .7&6,  2,2(  .2'  2,  &7  #1  #"#.#    "$$&#(  ( ,$&.#  72,&$,  /'  27,#      7#    #1  7$ $ ,2$#6/'#1&2##6772#&#' 1"26##1"* ",72,&$,$&.

2##6;", #1.7&6,2,2

 ( -2-"'"*-"#1&2("2,$&"77"26/1" 

27,# &/.##1"#$#1"*1","2",'",.##,#1 1"2 27,# #142###"#.#(#124",# 72$, &2#12#1&#12,2&,2$1"67",' #1/" #1",.",#1&2#1","2",'#$,#1 "$# #12,2,"#,>>  !/'#"*6#1", 72  2,2 & ) 126"#'",722#'#12,21".&# 2,2,#/2",$22$#",#12,7&###1". 12=$7"'.# #1".&#1"*&$"2'

,$"#6#1=7$&22,#1$# #6"##$(41$1 $"#/ "#,&7#127,#$#1"*1","2",' 2$,#1=$".&#/'6#1.2#6"6,7272#1 "*$"#4#11,#1=$".&# 221'.22"",( #1&(&26#1&2# 2"

2.6#1 ,6   1"  1"2,  #1  "2,  $&  2  #1  7"2#  ", "772",#17"72/*

2#1"* /2#'(#172"#7"2# #12,2,"#, >>  !7", !)   !",2,2,"#, @>  !

7", ) !)  !2",#1&%;

 

 

  

   



  

 



 

   

 

  

     





       



 

 

    !"#!$ %

  

      

 

 & '(   & !

        

            

   

    

    

      ) 



       

 

   

 

   

 

      *   

     



    

 





         

  

  





   

            

   

 

++

  

 ,-# 







    

         

          

      

 

 

 )

                 

 

 

 



.

     

   

  

 



 



 /   

   

           

     

  

  

            +0  *    

 

 !

'

"1!'234%+!15 

     

    

  0 *  

*    



 #& '6$7 "1!'    

   





  



         

   

      

     



    

  

   

    





    

     

 

   

  

 

   



  3           !

'

"1!'

234%+!15

 

   

    

         

    

        

        

  

 

      



234%+!85 

    

 

     

 #& '6$7  "1!' 9 "1!'

 

   



   



 

 

       !

'

"1!' 

   

         



3    





 

  

 

   #

   / 1.7&6,2,2,#2 $##1"77$"# ., 27$# ,2$#$#",#12,2,"#, @>  !12 2"2#12 2$6#72&.2"&.#1"##1"*1", /6772#&#'#729$##$"27$# #1$"$&"# 1#<=&2 ;@?"##"$1,4#1#127##"#7"6 ) #"."##2 2$2,#1"#=&2 ; @ ) !)

    !", ;@#172#27##"2,#$"",#1 #2"&2#1".2'2,&7#1$"$&"# 7"#

!# ""."##2 2$2,#1"#$,&26#17,$' #12 7##(#1".&#"2,2,/'#1#2"&2#1"/2", 4#1&#2,26 22 &, #1".&#,.#"77272"##,2$# #1#2"&2##,#2.#1&##",6".&#/'2 226##1 $"$&"#1#"

#2"

2,6772#&#'##1"*26"2,6#1 &##",6  ".&#  B&"  @ ))A 1"2    27,#    "24"# 5611#2"&2#.#272#6#1/2"#6#1 2,2,"#,>>  !4#126"2,##1"6,",.#142## #"#.#1",. #11"2(/&##&##",6".&# $"  "',7&#4#126"2,##1$"$&"#&/.##,/'#1 7"2###1(#1&2#9,&7"/6"##=".#1 ".",#12"

#22,2 22" #1".&#",$"#/4"', "4"'4#1#1$"$&"#  #17"2#'$"#1".&#2,2, #/2",(1"/2",(   ,. #  "77272"#  #  & ,2$#  #  #1  #2"  &2#  #  ,$,  #1  $#22'  2 ,#2."#    #1 ".&# B&" #1  1"2  27,#  "24"#561((@ ))A "$$2,"$4#1"4"

#262"#6 772#&#'##17"2###1$"#1".&#6#1 $"$&"#&/.##,/'#127,# &,#/$22$#(2,2

  4&,/2B&2,#/7",(/&# #1$#2"2'(#1$"$&"#  &,#/$22$#(#1#2"&2#1"7"""77272"#2,2 2 2 &, #1".&##", "6#17"2##*,$"#

#12  62"$  #12  #12&61  6  #1  2  2  ,7,# "77$"#2,2#$&##1$# #6"#",#.

  7##  #",  ,7,      #2.    #1 "

2.#,,2$#

*+#'

 ,! "- ./01 

$%

"121.3/4 56./ 7 86

"121.3 .2/9 86