← Library
High Court of Punjab and HaryanaCWP/3616/2022disposed of

Sudhir Bajaj And ANR v. Indian Bank And ORS

2026-04-24Mr. Justice Suvir Sehgal,Mr. Justice Deepak Manchanda8 pages



!"

#!$%&%' %"(%% %  %'

%"



       !

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

) ,$-  

-$ -     !

$ "#%# &-.

    #'!( !#

 '))*

+

 ' ,- 

. .

 ' ,/012

+ .

.  /1* /  ,00 #!33 1/, 4 '056 1  56 1 /,12  %//0170

,006 "%8 9&3"$!:

:!;

":

%3

9&3"$!:

'%<% %'% "

# !/ "!0!(11 220"3 ! "(450  "

' !( " !613 ! "(450 7 1 #

4"080!(1%3(450  "$0 210401! 3(450 0!( "!( "8

 !613(450 3

"1 '

  !

"# !9

0!(

""

#'!( !# 0!( !9)*+

) ": 10!8 3"(450 7 1 " #1021.%'03(450 0!( "10#10!;1 ;10"10":03(450 

"1 '

  !

" !9)*+

)0!(

""

#'!( !+ !9

"#%! #10.0!(1 3"(450 7 1 #0< !010<0!03(450  "0" 0"0!63(450 0!( "&&.=0<(450 3 ""

#'!( !90!; "

'0;10"(7083((<(450 .

"0<30"=0!0 >>>> 

:!;

":

%36$

1 ## !6%<0""( "#10<<( #'# 211 024 ! (7"  '

  !#0#1 =0"

 !

"5!!

(

"

 205;6"%!( < 0( !6  <  60 ! :0= 2  ! 5 ( ,# &  0<150"

 " 40  - :

( 1

" "

(  0# ?1  2""7 "@ 70##0!5 !

(0 !0!5 0<0## #0!5  !#10'

":<0! #

5""

# 4 (  <

" (0 * A

 !!

B%"

 9  2= 1  1 !<<01020( 0!; 1

""

(0#?1 0!;@ "#  !6%'0 0<150"

0!( <<!

## !  !  #" 5 .%"%6"0: 2= 5"

0 !6 0 :"606  510"6  ! 2""7 "#@ '"'

#0#7 <<0#!<0!( !1 !0:

%(1 "08083 0<< !6 !4 <<06 1 ;1'%"3 #" 5.%"%6"0:% (

0%< !"

'0=:

!  !#0<<:

!#3 <0!055%!70#5<0##

(0#!!9'

": !60## !

0!('"5

( !6#7  !  0 (%!( "1  5%"  C0 !0!( 5!#"%5 !  D !0!5 0< ## # 0!( "5 !    5%" = !

# 53

1

""

(0#?1 D 5@="( "#(0

A 0!(

A

*!!

B%"

# 9

 0!( ) "

#'

5 4 <=3 #" 5 06 #"0 "( ( ( < 4 "=   '1=# 50< '## ## !   :"606 ( <0!(  20!; ""7 "# 0''"051 ( 1 # %" 2= < !6 0 7"  '

  ! 0!( 2= "(

E *

* !!

B%"

 9 3 1 # %" "

#"0 !

( 1  20!; ": 0; !6 '## ## ! '"'

"=:

! !

( !"( "3!!

B%"

9 )0!; <0 (0 !

 < ! 0!(!0!0''< 50 !#%2:

(2=2""7 "#3 <

!!

B%"

9 E70# ##% (2=20!;055 ' !6 

"0!0:%! #  E5""

#""7 "#:0( 0'0"'0=:

!%!( "  2%(% %2"

0; '0!( : 530"

F% #70#:0( " !# !  71 51 70# "

( 2= 20!; ! E

 !!

B%"

 9 ) "  '

  ! < (2= 2""7 "#7 ( #'# (   2= 1 # %" !

!!

B%"

9 +0!;060 !0''"051 (1  #" 506 #"0 0!(%!(

"(

!!

B%"

9 3'## ## ! :"606 (<0!(70# 0;

!0!(10!( (4 "20!;#0< ! 5 (0

!!

B%"

9 E 70# ##% ( 2= 20!; %!( " 1   5%" = !

#  "5 ! %< #3

 1

" "

(  0# ?1

 %< #@ " #0<  # 5%"

( 0## 

":0; !6#:

:"

'0=:

!32""7 "#060 !0''"051 (1 #%" 2= < !6

371 5170# "0 !

(0!( <<7 !6"( 70#'0## (2=0 4 # ! !51 1 #%"!

/9





    

           

      

 



  !   

  "

 #  $

 %  %" &% !

 '() *+



      "     

         



!

& 

% 

   & $

  % 

 !  

 

 "&   ,  -   .  % !   !



 "&     '

 !   /           !  

&



  012 +3#  3 "   %  !  

       1  2  %   "





*  42#5 "%   

 

 

             %  

6  7 %   &% '()%"

 "

&

 "& 0  -  -  . 

    

    



       

 ! 

/     '()  

     

 

+  " %  "

 



 &! "&  



8   %& 9  

     '()  

      "

 "

:

 6      

&"

  !+3

 0

      

       

        % &"

   & +;#

   



  

    %

  

  

  & 



              1 2 "/   

6&  

%    &   

   

"



   

 " %  

"

 %

 <    

&"



"& 



"&     !   & 

     % "





  & "&   

  

 "

  /

 !

        

     



 %   ( 

!



 

    %        1  2  !  

/      

    =  ,# $0<% 9!

  0 < " 40  - :

(  " 2"

4 = 1 !0

(  0# ?1  0%5 ! '%"510# "@ 70# 1 61 # 2 (( " ! 0%5 ! '"5

( !6#!055 <

70# ##% ( ! # 04%" 2=20!;0!(0( '#  )G 5!# ( "0 ! # )*A5""

#70# :0( 2= ""7 ":0( 0!1 "

"20!;0#10#2

!! 5 (2=1 # %" !"( ( *

+371 51 #"

'"(%5 (1 %!( "/  ,           "%

    

  

   !    "

    

% 

  

( &



& %  

%

"&



>#!

 %  



>#  <

 

  



   "%            "&  

  "





 "&   %     &   %  8 "

 ?>< $?

 @ 

   "%

 

"

  "&   %     & "



    7   

 ( 

% 

  "

 

 

 



 



>2 &

  



"/ / 7   <

 

  



 >#  &   % 

   $

8  /

# #= + %5 !'%"510# "%!#%55 ## %<<=510<< !6 (1 #"( "2

%'"

%"2= < !6- +)*

+71 5170#( #: ## !

+7 1 <<7 !62# "40 !#/  1  

   

  



 !    %

 

 !       

   

%

    

 -  A 

'     2 <  %&   

       "



     0    

   

          %

    45  &  

  



= ) %"#%0!5 "( ( *

+'0## (2=1 #%"30!  "#

A+5""

#70##0!5 !

(2=20!; ! 04%" "4 ( <

A

+371 5110#2

! :'%6!

(2=0%5 !'%"510# " ! )*+

) "!0!(11 220"3# ! "5%!# < "2""7 "10##0 (10

! "

 0:%! %!( "   10# 2

! '0 (  20!;   0## "# 10 0%5 ! '%"510# "50!!510<< !6 0%5 !'"5

( !6#0#!" 6110#4 # ( !

1 :0#0%5 !'"5

( !6#!

"2 50:

!0<0!('

  !

"#50!"

: :"606 ('"'

"= 10#'<05 ("

< 0!5 %'! 

 

  







   ! "#$% E "#%! #10.0!(1 3# ! "5%!# < "20!;310#0"6% (10 #0< ! 5 :0( 0#'

5"

!5  !

" :"( "#'0## (2=1 #%" 0!(0%5 !'%"510# "'0" 5 '0 ( !'"5

( !6#01 #7!" #;0!(5# 1 #0 #100<1%61 )G 2 (0:%!10#2

!( '# (2=0%5 ! '%"510# "2%#0< 10#!

"2

!5!

":

(!"0#0< 5 10#2

! ##% (1 10#5!

":

(1 ( '#  ! "

0:%!%!( " 0!(10# #%''"

(1 " A ": 10!8 3# ! "5%!# < "0%5 !'%"510# "3%"6 #10 2""7 "10#5<<%( (7 11 20!;71#0!5 !

( (%" !6'

!( !5= <  60 !0!(0

"'"'

"=70#'%0%5 !#"!6"

< 0!5 10#2

! '<05 (2=1 :%'!1 2# "40 !# %'"

%" !&'   (

)(*+',  

) " -+ .&&$ *  104  6 4 ! 0 1%61 %< 5!# ( "0 !  0"6%:

!# 0(("

## (2=5%!# < "1 '0"

#0#7 <<0# B0: !

(1 (5%:

!#0!( 8%( 5 0<'"

!#"

(2=1 :

%"#%0!"(

'0## (2=1 #%"320!; 5!(%5 ( 0%5 !   :"606 ( '"'

"= !

 71 ! 0%5 ! '%"510# " :0(  1 61 # 2 (( " 0 # )*A 5""

#%5 ! '%"510# " 70# ##% (0<

" 055 !#0:

(0=71 !20!;5< 0"<=#0 (10 #0<  10# 2

! 5!(%5 ( #%28 5  5!

":0 ! 2= 20!; 0!( #%28 5  %5:

'"5

( !6#2

 61%" !

 70# %"1 "# '%<0 (10 %"1 "# '#5!

":1 7 <<2 0;

!!<=

" "

: 0!5 )G 0:%! 71 51 70# (%<= ( '# ( 2= 0%5 ! '%"510# " #!1 50# 0%5 !'%"510# "101 70#!070"

'

!( !5=   7"  '

  ! 0 1  10!(#   2""7 "# "   !

" : "( "# '0## (1 ! 1%6130%5 !'%"510# "( (( '#  )G 2 (0:%!3 2%1 ( (#01 #7!" #;  ##%0!5 055 <

""( '# 

)G 2 (0:%!7 <<!4 #0!=" 61 !0%5 !'%"510# "37110(2 (

"0'"'

"=71 5170#%!( "<  60 !  #!:0 " 0<2

1 # %"  #02< #1 10 2""7 " " 20!; 10( 5<<%( ( 7 1 051 1 " 

01 5<0 :  !

!( !6'%"510# "

!

"'"

 !6 1  0:

!( ( '"4 # !#    5 !  A   1 D 53%'"

%" !&'/ #%'"010#1 <(10 " 61 ""

:# 5%"

(0## #0!(# B !6% #1 (!1 (0 '%2< 50 ! ! 5 "'%2< 50%5 !%!( "%< * 

%< # 10#2

! %"1 "2# "4 (105!

":0 ! 2=20!;%!( "%< * 

%< # !4 ###%55 ## %<0%5 !'%"510# "7 104 # " 6120 !05  ::402< '"'

"= !'"

#5" 2 ": 1 ! B0: !

( !< 61 05%0<'#  ! '"

# !50# #3  # 4 ( !10 0%5 !'%"510# "10('0" 5 '0 ( !0%5 !'"5

( !6#%'!2 !6 %<<= 070"

 !

" :"( "#'0## (2=1 #%"5!(  !0<055 <

10(2

! ##% (1 :0<  ! 04%" 0%5 !'%"510# "7%<(5!5<%( !<= 71 ! 20!; ##% # 0 #0<  5  <1%613 0%5 ! '%"510# '# )G 2 (0:%!32%20!;( (!5!5<%( 0%5 !#0< (%  " :"( "#'0## (2=1 #%"  #!1 !6#'1 20!; ":

" !6 !0! 7 12""7 "0#<!60#0%5 !#0<  #!5!5<%( 2= ##%0!5  0 #0<  5 # <!6 0# 1  #0<  # ! 5!

":

( !

04%"   0%5 ! '%"510# "3 1  ( # ! 05F% "

 0!= " 61 " !

# ! 0%5 !

( '"'

"=  < 0!5  ! 1 # "

60"( 50! 0<# 2  '<05 ( %'! 1 2# "40 !#   1  & "0<0  61 %" !   /  #%'"0 ! 0 ! 8%(6:

! ! 0 (   * 1 2

  (3 .





2





   4#!%553%'"

%" 10# 1 <( 10 71 ! #0<  '"5 ## 10# ! 00 !

!0< = ! 1  :0!!

5!

:'<0 (%!( "1 #0% 0!(1 "( #510"6 #1 ! "

( 23  # ! < ("

:1 :"606 ('"'

"= 1 #8%(6:

!

#1 #0!( "

%5 !'%"510# "10#( '# (0!0:%! #3**3)

,9 '%"#%0!5   055  <

" (0

 71 51 # <= !6 ( '# 7 120!; 0:%! #2 !6% < C (2=20!;# !5 (0 ( '# 3 0!(20!; #< 02< "

%!( 0%5 !'%"510# "0<!67 1 !

#01 "0  E)G '

" 0!!%: ": 1  (0  ( '# 3 7 1 ! 0 '

" (   !

:!1 ":(0=

 #0"

#%< 024 ( #5%## !3! 5 (0

0!(055 <

 ##% ( ! 04%" 0%5 !'%"510# 0"

 F%0#1 ( 0!; #10<< "

#"

 1  '1=# 50< '## ## !   :"606 '"'

"=2""7 "%'! #"

:' ! !055"(0!5 7 1<07

+  11 024 ( "

5 !#3211 7" '

  !#0"

( #'#

) << '

!( !6 : #5 <<0!

%# 0''< 50 !# #10<< #0!( ( #'# :!;

":

%3 $!'  '%<% %'%

. .

   $!'  

 1 "'

0; !6, 0#!

(/ #, 1 " '"02< / #,