2025:KER:30155 IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR. JUSTICE GOPINATH P. MONDAY, THE 7TH DAY OF APRIL 2025 / 17TH CHAITHRA, 1947 WP(C) NO. 9962 OF 2025 PETITIONER/S: 1 SMT. HAFSATH, AGED 63 YEARS W/O. LATE SHRI. UMMAR HAJI, CHOLAMUGHATH HOUSE, THAZHEKODE P.O., MALAPPURAM DISTRICT, PIN - 679341 2 SHRI. SHAHANAS BABU, AGED 46 YEARS S/O. LATE SHRI. UMMAR HAJI, CHOLAMUGHATH HOUSE, THAZHEKODE P.O., MALAPPURAM DISTRICT, PIN - 679341 3 SHRI. SHANAVAS, AGED 43 YEARS S/O. LATE SHRI. UMMAR HAJI, CHOLAMUGHATH HOUSE, THAZHEKODE P.O., MALAPPURAM DISTRICT, PIN - 679341 4 SMT. FATHIMATH SAFEENA, AGED 40 YEARS D/O. LATE SHRI. UMMAR HAJI, CHOLAMUGHATH HOUSE, THAZHEKODE P.O., MALAPPURAM DISTRICT, PIN - 679341 5 SHRI. MOHAMMED SHAFEER C.M., AGED 39 YEARS S/O. LATE SHRI. UMMAR HAJI, CHOLAMUGHATH HOUSE, THAZHEKODE P.O., MALAPPURAM DISTRICT, PIN - 679341 BY ADV RAJ CAROLIN V. RESPONDENT/S: 2025:KER:30155 W.P.(C)No.9962 of 2025 2 1 THE URBAN CO-OPERATIVE BANK LTD., REPRESENTED BY THE AUTHORIZED OFFICER, URBANK TOWER, PATTAMBI ROAD, SANTHI NAGAR, PERINTHALMANNA, MALAPPURAM DISTRICT, PIN - 679322 2 THE AUTHORIZED OFFICER, THE URBAN CO-OPERATIVE BANK LTD., PERINTHALMANNA, URBANK TOWER, PATTAMBI ROAD, SANTHI NAGAR, PERINTHALMANNA, MALAPPURAM DISTRICT, PIN - 679322 BY ADVS. JAYASREE K.P. JOHN JOSEPH(K/000875/2019) THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 07.04.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: 2025:KER:30155 W.P.(C)No.9962 of 2025 3 JUDGMENT The petitioners are legal heirs of late Ummar Haji who availed credit facilities from the respondent bank which includes a cash credit facility and mortgage loan. The proceedings which are the subject matter of the present writ petition, are in relation to the liabilities under the cash credit facility. 2. The learned counsel appearing for the petitioners would submit that the petitioners are willing to settle the liability in some instalments. 3. It is submitted that since possession of the secured assets being the residential house of the petitioners has already been taken. The petitioners will remit an amount of Rs.20 lakhs by 5.00 p.m on 08.04.2025 and a further sum of Rs.10 lakhs on or before 22.04.2025, which is the date fixed for sale of the property. It is submitted that on such amounts being remitted, the possession of the secured assets may be restored to the petitioners and the balance liability will be cleared in six monthly installments. 4. The learned counsel appearing for the respondent bank submits that some further amount may be directed to be remitted by 2025:KER:30155 W.P.(C)No.9962 of 2025 4 the petitioners as a condition for restoring the physical possession. It is submitted that if the petitioners pay the substantial amount before 22.04.2025, the sale proposed to be held on 22.04.2025, can be adjourned. 5. Having heard the learned counsel appearing for the petitioners and the learned counsel appearing for the respondent bank, this writ petition will stand disposed of in the following manner; (i) The petitioners shall pay a sum of Rs.20,00,000/- towards the loan liability by 5.00 p.m. on 08.04.2025. (ii) The petitioners shall pay a further sum of Rs.15,00,000/- towards the loan liability before 5.00 p.m on 21.04.2025. (iii) If the petitioners comply with both the above conditions, the sale of the property of the petitioners scheduled to be held on 22.04.2025 shall be adjourned and the possession of the secured assets shall be restored to the petitioners. (iv) The petitioners shall pay the balance overdue amount together with any accrued interest, charges and costs in six equal monthly installments, commencing from 30.05.2025. The subsequent 2025:KER:30155 W.P.(C)No.9962 of 2025 5 instalments shall be paid on or before last working day of each succeeding month; (v) In the event of default of any one instalment, the respondent bank shall be entitled to proceed in accordance with the law; (vi) The petitioners shall also handover the possession of the secured asset if any further default is committed by them after securing possession of the secured asset as directed in this judgment. It is also made clear that the directions in two judgment are only in relation to the cash credit facility availed from the respondent bank and this judgment will have no application in the matter of the mortgage loan availed by the petitioners, which is the subject matter of the proceedings before the Debts Recovery Tribunal. The writ petition is disposed of as above. Sd/- GOPINATH P. JUDGE Scl/ 2025:KER:30155 W.P.(C)No.9962 of 2025 6 APPENDIX OF WP(C) 9962/2025 PETITIONER EXHIBITS Exhibit P1 TRUE COPY OF THE DEATH CERTIFICATE ISSUED BY THE THAZHEKKODE GRAMA PANCHAYAT BEARING KEY NO. D0020940- 2202231 DATED 24/02/2022 Exhibit P2 TRUE COPY OF THE RTGS INSTRUMENT OF INDUSIND BANK, PERINTHALMANNA BRANCH DATED 12/01/2023 BEARING NO. 836911 FOR AN AMOUNT OF ₹5,24,250/- IN SLMT LOAN ACCOUNT NO. 2137 ISSUED IN FAVOR OF THE 1ST RESPONDENT Exhibit P2(a) TRUE COPY OF THE RTGS INSTRUMENT OF INDUSIND BANK, PERINTHALMANNA BRANCH DATED 12/01/2023 BEARING NO. 836912 FOR AN AMOUNT OF ₹5,24,250/- IN SLMT LOAN ACCOUNT NO. 2138 ISSUED IN FAVOR OF THE 1ST RESPONDENT Exhibit P3 TRUE COPY OF THE REQUEST FOR OTS DATED 27/02/2023 ISSUED TO THE MANAGER OF THE 1ST RESPONDENT Exhibit P4 TRUE COPY OF THE REPLY ISSUED BY THE CHIEF EXECUTIVE OFFICER (CEO) OF THE RESPONDENT BANK BEARING NO. UCBP/OVERDUE/01/2022-23 DATED 01/03/2023 Exhibit P5 TRUE COPY OF THE POSSESSION NOTICE ISSUED BY THE 2ND RESPONDENT DATED 16/08/2024 AGAINST CASH CREDIT LOAN ACCOUNT NO. CC 3971 Exhibit P5(a) TRUE COPY OF THE POSSESSION NOTICE ISSUED BY THE 2ND RESPONDENT DATED 16/08/2024 AGAINST LOAN ACCOUNT NO. ML 2165 2025:KER:30155 W.P.(C)No.9962 of 2025 7 Exhibit P6 TRUE COPY OF THE ORDER OF THE HON’BLE CHIEF JUDICIAL MAGISTRATE COURT, MANJERI IN M.C. NO. 179/2025 DATED 07/02/2025 Exhibit P7 TRUE COPY OF THE INSPECTION NOTICE ISSUED BY THE ADVOCATE COMMISSIONER DATED 12/02/2025 Exhibit P8 TRUE COPY OF THE REPRESENTATION SUBMITTED BEFORE THE 2ND RESPONDENT DATED 07/03/2025