High Court of Punjab and HaryanaARB/64/2025disposed of

Hdfc Bank Ltd v. Charanjeet Singh & ORS

2025-10-29The Chief Justice5 pages

-1-

' =2 ></0?* ( #;

> ><

@@ & )$

@ ' &! +,& & * # * ,& % (

&- !,& (* & - , ( .... #

/0 ' ,1 2, ! , $ (

2 >2 ></&8 8$ !

! ," # $% % $ 5 6 # ( 7 !

, $ # "$

8# $% 7 9:

:!$ ( # 7"# # #(

"# $ ,% "% (, 7 $ ! " #$ 7 $ ( !

'#% %7:!$ '# %7 (!

$ # 6 &# ,;;1 /<(;

;;1 ,

! ( ! ## # " %( # &# ,;;= 7! #

,!7 ! , :# ( $#!

!!!7 7 "

-2- "

6( 7A$ (#! "

# (7 7 " $# #

# 8

7(,# 7 # (

! !7 7 (# "

%#%!((# ,1 2, 7%# (, $ #

( #$ ( "

6 $9/< (&! # &# ;;=/( ,C;;=&# D ,

(&! : % >2 ></&8$ # ( ! # $ $ $ ! : % # $ $&! ,!$

< &- !,& ,#$ ( #$

, 8#$ ( ! , 8$ ( 7 !7 # $ ! "% , %#( #, ! !! #$ ! "

= : " #(8 $9/= (;;=&# "

: &8 $

!/<2 ,<2 1 <2 2

7$ (#8 # "

7 8 (# # ! 8 , % 6 # 8 % 8 # ( $ (

-33<2 #($ # %" $ # 5 ( &! &# !$ 8 #

<2 1 : $ # , %" ( % # ( &# 1 ( >= &# 11 ( >;, # ( %! 7 # # # #, ( ( $

A$ (

! :#$ !#( "(3# B# ( ! 7 " ($!

# $/ ,/ /% ( # 12/ / $!# $/ (# 12/ /! ( &#

<2 2 ' 7 $ #$ 7 ( # 5 "

7 8(##

!"# $% & $ '( "% )"%* %"*# $ $ (# ( ! 7"$

8 % $($ # #$ 7 : # %" ## # ( ! (# ! "

7 3 ! B #$ (( "

: #$ !7

(

"# ! 7$!

E"# $

7# "$

! $((# ## $%E " (# # E " ! 7 # # # $# (! # : ( #$ ! %" $$ $ !$ (( $

7 ((##7 ( !

$ #(

"#$/$ "

$ 22 ( " ## $ # , " # F$ , # 5 ( &# % ! " #

$ # (#

("##+(*, - ."

%"%* %"* # +-" * $ - $" & "/ 0 - 1 % 22 0 & - (# " -# "% -"

0 "$3$ 1 :#$ ,$ # 5 , (

! , # 7!,$ 7 (#/$

7( #(8 #(% , !7 $

7 7 #

$#(

-42 : #$ $

(

( % 7 ( # ! (#!,

"!% 3" $!

(B < :#( #$ 8 (#% 7( ! # 7 < G "" H0 <

< 1G # # # $ A$ ! "($ (

H < 20 ##, " $!#

( HB 6%&'

!&(')*'

+ ! + &8 $ " 7 # "

/$ $ , 3= & $ # !$ ( ( $

A$ ( ! & 8# $ , 7 $, ( #$ 7 # # "#

7 8 (# B 7,',-.$$/$$'

0-.$

& '

!1 &8$ 3;

:7 ((

7, $ $ , # 7!, 8# # ##

%$ !7 ( #&! 0 # 7,

/ !

# 7$, ! ," ( " (# /= & ( &#

$#%", 7# ( $ , $$ $

#(! :(,%"! 8 , "$

#$ # 7((#( A$ #

;

A$ (% "$9/= (;;=&# ! (

> &## 7,

> ) , $ >4,

;, # & $ # =1, & , $!,

-5- *! ;52114;,!7 &! $

! , $!# # # ( 7 A$ $ ;;=&# !(#

# !( &!

# !(8 9#%# :&! " ! " $ ,# $ 7!# " # 8 # % 7( #( D$ ## #" # =( ;;=&#

1 : &!

! ( ## # " $ # (;;=&# , ( ,( !7

2 :&! A$ # # $ $9;

&(;;=&#

< &7!% !% 7(

!# $ 8 ( = & A$

" #7 ( ! * ) 4 5 0# !;,>< &7 G 9 I9 G I9