Research › Search › Judgment
High Court of Karnataka · body
2025 DAILYLAW 63006 (KAR)
MR. KANAPPA v. BANK OF INDIA
WP/200976/2025 · 2025-10-24
M G S Kamal
body2025
[ 2025 DAILYLAW 63006 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 63006 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
- 1 -
! "
#$%!$!$
&$!'
!"
"
#$
!"
%
# $
!"
& # %
' !"
Digitally signed by SHIVALEELA DATTATRAYA UDAGI Location: HIGH COURT OF KARNATAKA
- 2 -
'
!"
! #" $
!"
(
& %
!"
'' !"
)
'
%
#
!"
%
' $
' !"
*
+
' ,
- 3 -
$
'
' %""
"
#'#'
- #
''
'
%
%
!" #'
' !"
'' #'#" )
'
#'%
%"%'
'! ! ' + #
'. ' '
' #%%""' !""" +,!"""% ( )""%,
"'
## -
- 4 -
'(%!+#, *
+
"/
%/
/
'' /
#!,
# ''
""! ""( ,
# #
%
0
#
"
% +', " '
"! ''
%""
0 ,
#
#
'
0 #
"
% +',
" '
"! ''
%""
0 ,
#
#
%
' ' .#1 .' 1 ' ' ' ,
'
'
#
- 5 -
2'
'
+
2'
', 345 6784849: 45 ;< 837 6784849:7=5>?=@7=5 A39 ?66?=7:8B<?C?4B7D>4:?:E4?B?55458?:E7>9=8374=?F=4EGB8G=?B 6G=69575 >=9@ =7569:D7:8 95 89 %?:H5 ?F?4:58 837 E9=69=?87 FG?=?:877 9>>7=7D ;< 9:7 5 :D4? GF?= ?:G>?E8G=4:F 9@6?:< '4@487D +>9= 539=8 I 'J, 37 5?4D B9?: 8=?:5?E849:5 A7=7 5788B7D4:87=@5 9> :7 4@7
788B7@7:8 E37@7+>9=539=8I J,
" 37 6=9E77D4:F5 A7=7 4:484?87D G:D7= 837 6=9C4549:5 9> :59BC7:E< ?:D ?:H=G68E< 9D7 "! +>9= 539=8I9D7J,=7?DA4837FGB?849:%)+,9>837:59BC7:E< 759BG849: =9E755 >9= 9=69=?87 67=59:5, 7FGB?849:5
"! ?F?4:58 ' ?:D ;< 9=D7= D?87D !""" 6?557D 9: 9( )""% 4: +,9!"
""% ;< 837 ?849:?B 9@6?:< '?A =4;G:?B G@;?4 7:E3 ? =759BG849: 6B?: A?5 ?EE9=D7D G:D7= 837
- 6 -
6=9C4549:59> 7E849:%+,9>8379D74:87=@59>A34E3 ?5 3=4 ?88 :D4? =4C?87 '4@487D 837 =7569:D7:8 9! 37=74: ;7E?@7 7KEBG54C7 9A:7= 9> 837 7:84=7 5GF?=E?:7 >?E89=<;7B9:F4:F89 '
% 3?8 83=9GF3 837 B9?: ?EE9G:85 9> 837 6784849:7=5 ?:D 9837=5 89 A34E3 ' A?5 837 E9=69=?87 FG?=?:89=3?C7;77:EB957D7569:D7:89589%?:D D4D:98G6D?878374=E=7D485E9=4:F?DC7=57B<?>>7E84:F837 6=9567E85 9> 6784849:7=5 89 ?C?4B >4:?:E4?B ?55458?:E7 4: >G8G=7
37 6=757:8 6784849: 45 >4B7D 4: 837 ;?EHF=9G:D 9> 837 ?>9=75?4D >?E8G?B ?567E85 9> 837 @?887= 577H4:F >9BB9A4:F=7B47>5
!" ##$"
" ##%
- 7 -
#&#&#$" ' ! &! ("
)
&
!"##$"
"##%
#&#& #$" '! &! &
'
' *
'
37 58?87@7:85 9> 9;L7E849:5 ?=7 >4B7D ;< =7569:D7:895"?:D
- 8 -
! 7=G5?B 9> 837 58?87@7:8 9> 9;L7E849:5 >4B7D ;< =7569:D7:8 9?:H 9> :D4?
A9GBD 4:D4E?87 83?8 837 =7569:D7:8 9?:H 3?5 5788B7D 837 9G858?:D4:F DG75 6?<?;B7 ;< 837 6784849:7=5 4: 87=@5 9> A34E3 A?5 ?EE7687D9:"(""";<8377=58A34B7E9=69=?87D7;89= + ', EE9=D4:FB< ? 58?87@7:8 9> ?EE9G:8 A?5 455G7D ?5 >9G:D ?8 ::7KG=7! ?8 6?F7 9 9> 837 58?87@7:89>9;L7E849:5A37=74:83758?8G59>837?EE9G:8 9>8376784849:7=545539A:?5.EB957D1
(
4@4B?= 45 837 58?87@7:8 9> 9;L7E849:5 >4B7D ;< =7569:D7:8 9"?:H 9> ?=9D? 37 E9@@G:4E?849: D?87D"""7:EB957D8983758?87@7:89>9;L7E849:5 ?8 ::7KG=7% 57=475 A9GBD 4:D4E?87 83?8 837
6=9695?B F4C7: ;< 837 ' 3?5 ;77: ?EE7687D : >G=837=?:E789A34E3837B9?:?EE9G:859>8376784849:7=5 3?C7;77:539A:?5.5788B7D1
7569:D7:8 9% 8?87 ?:H 9> :D4? 3?5 455G7D?E9@@G:4E?849:.9A39@597C7=48@?<E9:E7=:1
- 9 -
D7EB?=4:F 83?8 837 DG75 9> E9=69=?87 D7;89= 3?5 ;77: A?4C7D9>>83=9GF38376?<@7:86B?:4:E9@6B4?:E789837 9=D7=5D?87D!"""9>837'G@;?47:E337 5?4D E9@@G:4E?849: >G=837= 4:D4E?875 D7EB?=?849: ;< 837 5?4D ?:H89 837 7>>7E883?8 8374='=769=85 A9GBD ;7 D7EB?=7D4:?EE9=D?:E7A4838379=D7=59>837'
) 3G5 837 ?>9=75?4D @?87=4?B 6B?E7D 9: =7E9=D ;< 837 =7569:D7:8 95 89 %?:H5 A9GBD 4:D4E?87 83?8 837 >4:?:E4?B ?55458?:E7 =7:D7=7D ;< 837@ 89 837 6784849:7=5?F?4:58E9=69=?87FG?=?:8779>837 '3?5 ;77:5788B7D?:DEB7?=7D?:D837=7?=7:9DG756?<?;B7;< 9=9:;73?B>9>8376784849:7=5
37 455G7 39A7C7= B4:F7=4:F 4: 8345 6784849: 45 A483 =7F?=D 89 567E4>4E D7EB?=?849:E7=84>4E?87 89 ;7 F4C7:
;< 837 =7569:D7:8 95 ?:D "?:H5 89 837 7>>7E8 83?8 837 B9?: ?EE9G:85 9> 837 6784849:7=5 .58?:D5 EB957D ?:D '5E9=758?:D5G6D?87D1
- 10 -
37 ?>9=75?4D 567E4>4E D7EB?=?849: 45 ;74:F 59GF38 >9= 837 6784849:7=5 ?:D =7569:D7:8 9! 7:848< 89 577H >=753 >4:?:E4?B ?55458?:E7 >=9@ 837 >4:?:E4?B 4:5848G849:5?:D89MG7BB?:<?66=737:549:9>8376=7C49G5 8=?:5?E849: E?G54:F ?:< 4@67D4@7:8 4: 8374= ?C?4B4:F 837 >4:?:E4?B>?E4B484754:>G8G=7
" 8454:8345;?EHF=9G:DB7?=:7DE9G:57B>9=837 6784849:7=5 ?5 A7BB ?5 B7?=:7D E9G:57B ?667?=4:F >9= 837 =7569:D7:8 9!E9@6?:< C737@7:8B< 5G;@4887D ?:D G=F7D83?8837=7569:D7:895?:D"?:H5;7D4=7E87D 89 455G7 ? E7=84>4E?87 A483 567E4>4E =7>7=7:E7 89 .?EE9G:85 EB957D?:D'5E9=7;7G6D?87D1
% 37 5?4D 5G;@45549: 45 @?D7 9: 837 ;?545 9> 9;57=C?849: @?D7 ;< 837 ' 4: 485 9=D7= D?87D !"""?86?=?9% A34E3=7?D5?5G:D7= +, ! -. /01
2
" -. ' 3 1 -4
-
" -4
- 11 -
"5-4
"2 6 5&
' -4" 7' -4 ' )
/0 1
0
2 8
:=7569:57B7?=:7DE9G:57B?667?=4:F>9=837 =7569:D7:895?:D"?:H5?88379G85785G;@48583?8 837 ?:H 69B4E< D975 :98 6=9C4D7 >9= 455G?:E7 9> 5GE3 ? EB7?=?:E7 A37: 837 ?EE9G:8 3?5 ;77: 5788B7DEB957D 4: 87=@59> ?:D837?@9G:83?5;77:5?E=4>4E7D
'7?=:7D E9G:57B 567E4>4E?BB< =7>7=5 89 B?G57 (%9>8374= ?:?F7@7:8 9B4E<A34E3457K8=?E87D ?86?=?F=?6399>8374=58?87@7:89>9;L7E849:5A34E3 =7?D5?5G:D7= +9$! 715)
-
)*
8
3! )715
-4 -
-
)*
4
715 :
"
: 8
- 12 -
!
7 ?B59 =7>7=5 89 EB?G57+E, 9> A34E3 =7?D5?5G:D7=
+( ; 2
"
<
1
-
))=
'> -. +! ) 88
( 3G5 48 45 345 >G=837= 5G;@45549: 83?8 837 =7569:D7:8 95 ?:D "?:H5 A7=7 :98 6?=8475 89 837 6=9E77D4:F5 ;7>9=7 837 ' 837=7>9=7 ?:< 9;57=C?849:D4=7E849: F4C7: 837=7G:D7= A9GBD :98 ;4:D G=837= 837 5788B7@7:8 9> 837 B9?: ?EE9G:85 9> 837 6784849:7=5?:D8377=58A34B7E9=69=?87FG?=?:89=3?D;77:
5788B7D 4: 837 <7?= "" B9:F 6=49= 89 837 6=9E77D4:F5 4:484?87DG:D7=837:59BC7:E<?:D?:H=G68E<9D7
'7?=:7D E9G:57B >9= =7569:D7:8 9%?:H 39A7C7= 5G;@485 83?8 837< 3?C7 ?B=7?D< 455G7D 5GE3 E7=84>4E?87 4: E9@6B4?:E7 89 837 D4=7E849:5 455G7D ;< 837 '
- 13 -
) '7?=:7D E9G:57B ?667?=4:F >9= 837 =7569:D7:8 9'9:8379837=3?:D5G;@48583?8837<3?C7:9 4@67D4@7:84:G6F=?D4:F:>?E8837<3?C7:9=9B74:837 @?887=7KE768G6F=?D4:F837'=?84:FD767:D4:FG69:
837 D?8? >G=:4537D ;< 837 >4:?:E4?B 4:5848G849:5 5 ?:D A37:D?8?45>G=:4537D837'=?84:FF785?G89@?84E?BB< G6D?87D
" :?MG7=<;<83459G=889B7?=:7DE9G:57B>9= =7569:D7:895?:D"?:H5?589A37837=837=7A4BB;7 ?:<4@67D4@7:8>9=?:H589455G7?E7=84>4E?87E9:8?4:4:F 837 D7EB?=?849: ?5 .?EE9G:8 EB957D1 =7>7==4:F 89 837 ?>9=75?4D69B4E<?:D837E9:8=?E8375G;@485837=7A9GBD ;769B4E<4@67D4@7:8
" 9A7C7= B7?=:7D E9G:57B >9= 837 =7569:D7:8 95?:D"N?:H59:4:58=GE849:9>/
? 5 ? ?4 5
3
" 2 @ 6 '
" 5 @ 5 * A B" 5 6
" -
" 5
@
-4
C
- 14 -
53!"
6
"-4 -
" 7
"5 &
"
A39 ?=7 67=59:?BB< 6=757:8 ;7>9=7 837 9G=8 5G;@485 83?8:98A48358?:D4:F4:?;4B48<9>837?:H89455G75GE3 E7=84>4E?87 539GBD 6784849:7=5 9= ?:< 9837= 54@4B?=B< 548G?87D >?=@7=5 ?66=9?E3 837@ >9= ?:< >4:?:E4?B ?55458?:E78375?@7A4BB;7E9:54D7=7D4:?EE9=D?:E7 A483 B?A ?:D 5G;L7E8 89 837< MG?B4><4:F >9= 5GE3 7B4F4;4B48< A4839G8 =7>7=7:E7 89 837 7?=B47= 8=?:5?E849: A34E33?5;77:EB957D4:87=@59>
"" '7?=:7DE9G:57B?667?=4:F>9=8376784849:7=5?5 A7BB ?5 B7?=:7D E9G:57B ?667?=4:F >9= =7569:D7:8 9!
9@6?:< ?8 8345 LG:E8G=7 5G;@48 83?8 4> 837 ?>9=75?4D 58?87@7:8=76=757:8?849: @?D7 ;< B7?=:7D E9G:57B >9= =7569:D7:8 95 ?:D "?:H5 45 6B?E7D 9: =7E9=D 837 5?@7 A9GBD @778 837 6=?<7= 9+444, ?:D 837< A9GBD :98 4:5458 >9= ?:< 567E4>4E D4=7E849: ?5 59GF38 >9= 4: 837 A=48 6784849:
- 15 -
"% 37 5G;@45549:5 9> B7?=:7D E9G:57B >9= 837 6784849:7= ?5 A7BB ?5 B7?=:7D E9G:57B >9= 837 =7569:D7:8 95 ?:D "?:H5 @?D7 9: 4:58=GE849: ?5 :987D ?;9C7 ?=76B?E7D9:=7E9=D
" :83?8C47A9>837@?887=A=486784849:58?:D5 A4839G8?:<567E4>4ED4=7E849:?559GF38>9=
" 98A48358?:D4:F 837 D45695?B 9> 837 A=48 6784849:4:C47A9>837D4=7E849:455G7D;<83459G=8C4D7 9=D7= D?87D ("" ?:D 837 9=D7= D?87D !"" =7569:D7:8 8?87 53?BB >4B7 485 =769=8 A483 =7F?=D 89 837 455G7=7>7==7D89837=7G:D7=A4834:834=8<+%,D?<5
!() &$!$' %
'
')