Currently Serving

Smt. Putta Mounika

III JUNIOR CIVIL JUDGE

HYD, City Civil Court Complex · Hyderabad · Telangana

SMT. PUTTA MOUNIKA, III JUNIOR CIVIL JUDGE, is posted at HYD, City Civil Court Complex, Hyderabad, Telangana, India. 207 court orders on record since 2025. 15 judgments with full text available. Primarily handles OS, EP cases.

207

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Featured Judgments

OS/3753/2023

M/S ICICI Bank Limited vs B. SPOORTHI

10 Nov 2025

IN THE COURT OF THE XXII JUNIOR CIVIL JUDGE: CITY CIVIL

COURT: HYDERABAD.

PRESENT:Sri N. RAMACHANDRA RAO,

XIX JUNIOR CIVIL JUDGE,

FAC:XXII JUNIOR CIVIL JUDGE,

CITY CIVIL COURT, HYDERABAD

MONDAY, THIS THE 10th DAY OF NOVEMBER, 2025

ORIGINAL SUIT NO. 3753 OF 2023

Between:

M/s. ICICI BANK LIMITED, having its Registered Office at : ICICI Towers, Near Chakali Circle, Old Padra Road, Vadodara – 390007 and having its Corporate Office at ICICI Bank Towers, Bandra Kurla Complex, Bandra (East), Mumbai – 400051. And amongst others Having its branch office at H.No. 6-2-1012, TGV Mansions, Opp Institution of Engineers, Khairatabad Road, Taj Enclave, Khairatabad, Hyderabad, Telangana – 500004. Rep. By its Authorized Signatory POA Holder Sri Deveraboina Akshay, S/o. Mr. Deveraboina Srinivas, Age: 23 years, Occ: Manager, R/o. Hyderabad. … PLAINTIFF

A N D

B. Spoorthi, D/o. Anjaneyulu Bayyavarapu, Age: 32 years, Occ: Private Service, Flot No. 502, 5th Floor, Fort View Apts, Behind Shreya Talent School, Hyderguda, Hyderabad – 500048.

Also at:

B. Spoorthi, D/o. Anjaneyulu Bayyavarapu, Age: 32 years, Occ: Private Service, C/o. Wipro Ltd., Gate 3 Fi nancial District, Nanakaram Guda, Hyderabad – 500032.

2 OS. No. 3753 OF 2023

Also at :

B. Spoorthi, D/o. Anjaneyulu Bayyavarapu, Age: 32 years, Occ: Private Service, Flot No. 32076, Janapriya Apts, Hyderguda Near Ganeshyam Super Market, Attapur, Ranga Reddy District – 500048.

… DEFENDANT

This suit is coming before me on 09.10.2025 for final hearing in the presence of Sri N. Sudarshan, counsel for the plaintiff and Defendant was set exparte and the matter having stood over for consideration to this day, this court delivered the following:

J U D G M E N T

1.This suit is filed for recovery of Rs. 6,04,743/- (Rupees Six Lakhs

Four Thousand Seven Hundred and Forty Three only) as on 09.01.2023 along with agreed future interest @ 11.25 % per annum penal interest, costs, expenses and charges from the date of suit till its realization.

2. Brief averments of the plaint :-

The defendant approached the Plaintiff bank, at Khairatabad branch through DST-Alternate for credit facility for an amount of Rs. 5,89,723/- to meet his personal/ business needs and made an application form, dated 10.05.2019. The defendant executed Credit Facility application form, Key fact statement and Most Important Information accepting the terms and

XXII JCJ, CCC, HYD

3 OS. No. 3753 OF 2023 conditions governing the said facility. The plaintiff bank duly sanctioned the Credit facility amount of Rs. 5,89,723/- (Rupees Three Lakhs only) to the defendant and disbursed the loan amount through ‘RTGS’/Online to his account.

3. It is submitted that the defendants paid the equated monthly installments for some period and thereafter started defaulting in payment of

EMIs, on the respective due dates, contrary to the terms and conditions of credit facility application and other loan documents executed by the defendant which constituted “Events of Default” and thereby committed breach of terms and conditions governing the said credit facility application and other loan documents. As per the terms and conditions of the credit facility application and loan documents overdue charges and other charges were levied in the loan account. It is further submitted that due to non- payment of overdue amount and service of interest and installments by the defendant, the amount got NPA on 31.01.2022 and there is huge outstanding dues in the said loan account. The defendant was trying to avoid all his liability and under those circumstances the plaintiff is constrained to issue loan recall notice, dated 24.08.2022 demanding payment of entire outstanding due amount under Loan Account No.

XXII JCJ, CCC, HYD

4 OS. No. 3753 OF 2023

LPHYD00039217589 along with agreed future interest, other charges, cost, etc., within 7 days of the service of the recall notice.

Due to the failure on the part of the defendant in paying the loan amounts the plaintiff bank left with no other alternative, constrained to file the present suit for recovery of outstanding amount of Rs. 6,04,743/- (Rupees Six Lakhs Four Thousand Seven Hundred and Forty Three only) as on 24.05.2019 with agreed future interest @ 11.25% per annum, penal interest, costs, expenses and charges from the defendant.

4.Despite service of summons, defendant did not choose to appear and contest the case. Hence, defendant was set ex-parte.

5. Heard the learned counsel for the plaintiff. Perused the documents.

6.Now the points for determination are :-

1. Whether the plaintiff is entitled for recovery of Rs.

6,04,743/- (Rupees Six Lakhs Four Thousand Seven

Hundred and Forty Three only) together with interest @ 11.25 % p.a, penal interest, costs expenses and charges from the date of filing the suit till realization as prayed ?

2. To what relief ?

XXII JCJ, CCC, HYD

5 OS. No. 3753 OF 2023

7.Point :- It is the specific case of Plaintiff bank that the defendant borrowed credit facility of an amount of Rs. 5,89,723/- (Rupees Five Lakhs

Eighty Nine Thousand Seven Hundred and Twenty Three only) and defendant agreed to repay the said loan amount with interest @ 11.25 % per annum by executing all necessary documents. The defendant committed default in repayment of the Credit facility amount, inspite of repeated demands made by the plaintiff and defendant tried to avoid all their liability and under those circumstances, the plaintiff has issued Loan Recall Notice,

dated 24.08.2022 demanding the defendant for the payment of entire

outstanding due amount. Plaintiff bank further submitted that inspite of several requests and repeated demands made by the plaintiff the defendant failed to repay the due loan amount.

Though the defendant did not appear before the court to contest the case, the plaintiff bank has to prove its case on its own not depending on the weakness of defendant. In order to prove the claim, GPA holder of plaintiff bank got himself examined as PW1, in his chief affidavit he again reiterated the plaint averments and got marked the documents Ex A1 to A7.

XXII JCJ, CCC, HYD

6 OS. No. 3753 OF 2023 7.1.Ex.A1 is the Attested Copy of certificate of incorporation, dated 10.09.1999, Ex. A2 is the attested copy of Power of Attorney, Dated 03-11- 2008, Ex.A3 is the Original Preliminary Credit Facility Application Form,

dated 10.05.2019, Ex.A4 is the Original Credit Facility Application Form,

dated: 11.05.2019, Ex.A5 is the Office copy of the Loan Recall notice

along with Notarized reg., Postal receipts, dated 24.08.2022, Ex. A6 is the

Attested copy of the Loan Statement of Account No. LPHYD00039217589,

dated 09.01.2023, Ex.A7 is the Affidavit filed under Bankers Book of

Evidence Act, dated 09.01.2023.

7.2.Ex.A2 shows that the plaintiff bank has given authority to PW1 to depose the evidence on behalf of plaintiff bank, From Ex.A3 and A4, it is clear, the defendant made an application to plaintiff bank for obtaining credit facility, accordingly the loan amount of Rs. 5,89,723/- (Rupees Five

Lakhs Eighty Nine Thousand Seven Hundred and Twenty Three only) was sanctioned to defendant, From Ex.A4, it is clear that the defendant accepted the terms and conditions of the plaintiff bank in repayment of loan amount.

Exs. A3 and A4 bear the signatures of the defendant, The Perusal of

Ex.A5, shows that, the plaintiff bank issued the Loan Recall Notice to the defendant to repay the loan amount, Ex.A6 & A7 are the statement of

XXII JCJ, CCC, HYD

7 OS. No. 3753 OF 2023 account pertaining to the loan availed by the defendant and it shows outstanding due amount to be paid by defendant towards plaintiff bank,

Thus, the Ex.A1 to A7 clinchingly proves that, the defendant obtained personal loan from the plaintiff bank and failed to repay the same.

8.Further the testimony of PW1, both oral and documentary evidence remained unrebutted. In the absence of any contra evidence produced on behalf of the defendant and in view of the evidence of PW1, coupled with

Exs.A1 to Ex. A7 which is found to be reliable and convincing the plaintiff bank is entitled to the suit claim, accordingly this point is answered in favour of the plaintiff bank.

9.IN THE RESULT, the suit of plaintiff is decreed with costs for a sum of Rs. 6,04,743/- (Rupees Six Lakhs Four Thousand Seven Hundred and Forty Three only) with interest at the rate of 12 % per annum on

principal amount from the date of suit till the date of decree and at 6% per

annum from the date of decree to till the date of realization.

Typed to my dictation to Typist, corrected and pronounced by me in open court on this the 10 th November, 2025.

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

XXII JCJ, CCC, HYD

8 OS. No. 3753 OF 2023

APPENDIX OF EVIDENCE

WITNESS EXAMINED

PLAINTIFF DEFENDANT

PW1 Sri N. Chandra Shekar - Nil -

DOCUMENTS MARKED

PLAINTIFF

Ex.A1Attested copy of Certificate of Incorporation, dated 10.09.1999.

Ex.A2Attested copy of Power of Attorney, dated 03.11.2008.

Ex.A3Original Preliminary Credit Facility Application Form, dated 10.05.2019.

Ex.A4Original Credit Facility Application Form, dated 11.05.2019.

Ex.A5Office copy of Legal Recall Notice along with Notarized Reg., Postal Receipts, dated 24.08.2022.

Ex.A6Attested copy of the Loan account of Account No. LPHYD00039217589, dated 09.01.2023.

Ex.A7Affidavit filed under Bankers Book of Evidence Act, dated 09.01.2023.

XXII JCJ, CCC, HYD

9 OS. No. 3753 OF 2023

DOCUMENTS MARKED

DEFENDANT

- Nil -

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

XXII JCJ, CCC, HYD

OS/3701/2023

M/S ICICI Bank Limited vs VIJAY KUMAR

10 Nov 2025

IN THE COURT OF THE XXII JUNIOR CIVIL JUDGE: CITY CIVIL

COURT: HYDERABAD.

PRESENT:Sri N. RAMACHANDRA RAO,

XIX JUNIOR CIVIL JUDGE,

FAC:XXII JUNIOR CIVIL JUDGE,

CITY CIVIL COURT, HYDERABAD

MONDAY, THIS THE 10th DAY OF NOVEMBER, 2025

ORIGINAL SUIT NO. 3701 OF 2023

Between:

M/s. ICICI BANK LIMITED, having its Registered Office at: ICICI Towers, Near Chakali Circle, Old Padra Road, Vadodara – 390007 and having its Corporate Office at ICICI Bank Towers, Bandra Kurla Complex, Bandra (East), Mumbai – 400051. And amongst others Having its branch office at H.No. 6-2-1012, TGV Mansions, Opp Institution of Engineers, Khairatabad Road, Taj Enclave, Khairatabad, Hyderabad, Telangana – 500004. Rep. By its Authorized Signatory POA Holder Sri Baylupati Gopal Krishna, S/o. Mr. Baylupati Chintalaiah, Age: 32 years, Occ: Manager, R/o. Hyderabad. … PLAINTIFF

A N D

Mr. Vijay Kumar, S/o. Anandh Raj Govindan, Age: 42 years, Occ: Private Service, R/o. 10-1-131, Prashanth Kuteer Appt., Chintal Basti, 10-1-131 to 250, Hyderabad – 500004.

Also at:

Mr. Vijay Kumar, S/o. Anandh Raj Govindan, Age: 42 years, Occ: Private Service, C/o. Mahendra Holiday Asndre Sorts India Ltd., 6th Floor, B-Block, White House, Begumpet, Beside Life Style, Hyderabad – 500016. ….DEFENDANT 2 OS. No. 3701 OF 2023

J U D G M E N T

1.This suit is filed for recovery of Rs. 10,79,937/- (Rupees Ten Lakhs

Seventy Nine Thousand Nine Hundred and Thirty Seven only) as on 18.01.2023 along with agreed future interest @ 10.99% per annum from the date of suit till its realization.

2. Brief averments of the plaint :-

The defendant approached the Plaintiff bank, at Khairatabad branch through DST-Alternate for credit facility for an amount of Rs. 12,00,000/- to meet his personal/ business needs and made an application form, dated 10.12.2017. The defendant executed Credit Facility application form, Key fact statement and Most Important Information accepting the terms and conditions governing the said facility. The plaintiff bank duly sanctioned the Credit facility amount of Rs. 12,00,000/- (Rupees Twelve Lakhs only) to the defendant and disbursed the loan amount through ‘RTGS’/Online to his account.

XXII JCJ, CCC, HYD

3 OS. No. 3701 OF 2023

3. It is submitted that the defendants paid the equated monthly installments for some period and thereafter started defaulting in payment of

EMIs, on the respective due dates, contrary to the terms and conditions of credit facility application and other loan documents executed by the defendant which constituted “Events of Default” and thereby committed breach of terms and conditions governing the said credit facility application and other loan documents. As per the terms and conditions of the credit facility application and loan documents overdue charges and other charges were levied in the loan account. It is further submitted that due to non- payment of overdue amount and service of interest and installments by the defendant, the amount got NPA on 31.01.2021 and there is huge outstanding dues in the said loan account. The defendant was trying to avoid all his liability and under those circumstances the plaintiff is constrained to issue loan recall notice, dated 20.05.2021 demanding payment of entire outstanding due amount under Loan Account No.

LPHYD00036812285 along with agreed future interest, other charges, cost, etc., within 7 days of the service of the recall notice.

Due to the failure on the part of the defendant in paying the loan amounts the plaintiff bank left with no other alternative, constrained to file

XXII JCJ, CCC, HYD

4 OS. No. 3701 OF 2023 the present suit for recovery of outstanding amount of Rs. 10,79,937/- (Rupees Ten Lakhs Seventy Nine Thousand Nine Hundred and Thirty

Seven only) as on 18.01.2023 with agreed future interest @ 10.99% per annum, penal interest, costs, expenses and charges from the defendant.

4.Despite service of summons, defendant did not choose to appear and contest the case. Hence, defendant was set ex-parte.

5. Heard the learned counsel for the plaintiff. Perused the documents.

6.Now the points for determination are :-

1. Whether the plaintiff is entitled for recovery of Rs.

10,79,937/- (Rupees Ten Lakhs Seventy Nine Thousand

Nine Hundred and Thirty Seven only) together with interest @ 10.99 % p.a, penal interest, costs expenses and charges from the date of filing the suit till realization as prayed ?

2. To what relief ?

7.Point :- It is the specific case of Plaintiff bank that the defendant borrowed credit facility of an amount of Rs. 12.00.000/- (Rupees Twelve

Lakhs only) and defendant agreed to repay the said loan amount with

XXII JCJ, CCC, HYD

5 OS. No. 3701 OF 2023 interest @ 10.99 % per annum by executing all necessary documents. The defendant committed default in repayment of the Credit facility amount, inspite of repeated demands made by the plaintiff and defendant tried to avoid all their liability and under those circumstances, the plaintiff has issued Loan Recall Notice, dated 20.05.2021 demanding the defendant for the payment of entire outstanding due amount. Plaintiff bank further submitted that inspite of several requests and repeated demands made by the plaintiff the defendant failed to repay the due loan amount.

7.1.Ex.A1 is the Attested Copy of certificate of incorporation, dated 05.01.1994, Ex. A2 is the attested copy of Power of Attorney, Dated 03-11- 2008, Ex.A3 is the Original Preliminary Credit Facility Application Form,

dated 10.12.2017, Ex.A4 is the Original Credit Facility Application Form,

dated: 12.12.2017, Ex.A5 is the Office copy of the Loan Recall notice

along with Notarized reg., Postal receipts, dated 20.05.2021, Ex. A6 is the

XXII JCJ, CCC, HYD

6 OS. No. 3701 OF 2023

Attested copy of the Loan Statement of Account No. LPHYD00036812285,

dated 18.01.2023, Ex.A7 is the Affidavit filed under Bankers Book of

Evidence Act, dated 18.01.2023.

Twelve Lakhs only) was sanctioned to defendant, From Ex.A4, it is clear that the defendant accepted the terms and conditions of the plaintiff bank in repayment of loan amount. Exs. A3 and A4 bear the signatures of the defendant, The Perusal of Ex.A5, shows that, the plaintiff bank issued the

Loan Recall Notice to the defendant to repay the loan amount, Ex.A6 & A7 are the statement of account pertaining to the loan availed by the defendant and it shows outstanding due amount to be paid by defendant towards plaintiff bank, Thus, the Ex.A1 to A7 clinchingly proves that, the defendant obtained personal loan from the plaintiff bank and failed to repay the same.

XXII JCJ, CCC, HYD

7 OS. No. 3701 OF 2023

Exs.A1 to Ex. A7 which is found to be reliable and convincing the plaintiff bank is entitled to the suit claim, accordingly this point is answered in favour of the plaintiff bank.

9.IN THE RESULT, the suit of plaintiff is decreed with costs for a sum of Rs. 10,79,937/- (Rupees Ten Lakhs Seventy Nine Thousand Nine

Hundred and Thirty Seven only) with interest at the rate of 12 % per annum on principal amount from the date of suit till the date of decree and at 6% per annum from the date of decree to till the date of realization.

Typed to my dictation to Typist, corrected and pronounced by me in open court on this the 10 th day of NOVEMBER, 2025.

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

APPENDIX OF EVIDENCE

WITNESS EXAMINED

PLAINTIFF DEFENDANT

PW1 Sri N. Chandra Shekar - Nil -

XXII JCJ, CCC, HYD

8 OS. No. 3701 OF 2023

DOCUMENTS MARKED

PLAINTIFF

Ex.A1Attested copy of Certificate of Incorporation, dated 05.01.1994.

Ex.A2Attested copy of Power of Attorney, dated 03.11.2008.

Ex.A3Original Preliminary Credit Facility Application Form, dated 10.12.2017.

Ex.A4Original Credit Facility Application Form, dated 12.12.2017.

Ex.A5Office copy of Legal Recall Notice along with Notarized Reg., Postal Receipts, dated 20.05.2021.

Ex.A6Attested copy of the Loan account of Account No. LPHYD00036812285, dated 18.01.2023.

Ex.A7Affidavit filed under Bankers Book of Evidence Act, dated 18.01.2023.

DOCUMENTS MARKED

DEFENDANT

- Nil -

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

XXII JCJ, CCC, HYD

OS/4421/2024

M/S ICICI Bank Limited vs MADHU SUDHANA REDDY MARUDI

26 Nov 2025

IN THE COURT OF THE XXII JUNIOR CIVIL JUDGE: CITY CIVIL

COURT: HYDERABAD.

PRESENT:Sri N. RAMACHANDRA RAO,

XIX JUNIOR CIVIL JUDGE,

FAC:XXII JUNIOR CIVIL JUDGE,

CITY CIVIL COURT, HYDERABAD

WEDNESDAY, THIS THE 26th DAY OF NOVEMBER, 2025

ORIGINAL SUIT NO. 4421 OF 2024

Between:

M/s. ICICI BANK LIMITED, having its Registered Office at: ICICI Towers, Near Chakali Circle, Old Padra Road, Vadodara – 390007 and having its Corporate Office at ICICI Bank Towers, Bandra Kurla Complex, Bandra (East), Mumbai – 400051. And amongst others Having its branch office at H.No. 6-2-1012, TGV Mansions, Opp Institution of Engineers, Khairatabad Road, Taj Enclave, Khairatabad, Hyderabad, Telangana – 500004. Rep. By its Authorized Signatory POA Holder Sri N. Chandrasekhar, S/o. Nallathambi, Age: 46 years, Occ: Regional Relationship Manager, R/o. Hyderabad. … PLAINTIFF

A N D

Madhu Sudhana Reddy Marudi, S/o. RNGA Reddy Marudi, Age: 38 years, Occ: Private Service, H. No. 5-45, Plot No. 30, III Floor, KPR Colony, Sarojini, Near New Municipal Office, Manikonda, Hyderabad – 500089. Mobile No. 8309149346

Also at:

Madhu Sudhana Reddy Marudi, S/o. RNGA Reddy Marudi, Age: 38 years, Occ: Private Service, C/o. V. G. Hareesh & Co., R/o. 6-1-103/86, Ground Floor, Abinava Colony, Secunderabad, Hyderabad – 500025.

2 OS. No. 4421 OF 2024

Also At:

Madhu Sudhana Reddy Marudi, S/o. RNGA Reddy Marudi, Age: 38 years, Occ: Private Service, H. No. 3-19, Morampalli Banjar Burgumpahad, Near Ramalayam Temple, Morampalle – 507114. …. DEFENDANT

This suit is coming before me on 31.10.2025 for final hearing in the presence of Sri N. Sudarshan, counsel for the plaintiff and Defendant was set exparte and the matter having stood over for consideration to this day, this court delivered the following:

J U D G M E N T

1.This suit is filed for recovery of Rs. 8,81,811/- (Rupees Eight Lakhs

Eighty One Thousand Eight Hundred and Eleven only) as on 23.04.2024 along with future interest @7.65%p.a. from the date of filing of the suit till its actual payment.

2. Brief averments of the plaint :-

The defendant approached the Plaintiff bank, at Khairatabad branch through DST-Alternate for credit facility for an amount of Rs. 11,43,559/- to meet his personal/ business needs and made an application form, dated 24.06.2021. The defendant executed Credit Facility application form, Key fact statement and Most Important Information accepting the terms and conditions governing the said facility. The plaintiff bank duly sanctioned

XXII JCJ, CCC, HYD

3 OS. No. 4421 OF 2024 the Credit facility amount of Rs. 11,43,559/- (Rupees Eleven Lakhs Forty

Three Thousand Five Hundred and Fifty Nine only) to the defendant and disbursed the loan amount through ‘RTGS’/Online to his account.

3. It is submitted that the defendants paid the equated monthly installments for some period and thereafter started defaulting in payment of

EMIs, on the respective due dates, contrary to the terms and conditions of credit facility application and other loan documents executed by the defendant which constituted “Events of Default” and thereby committed breach of terms and conditions governing the said credit facility application and other loan documents. As per the terms and conditions of the credit facility application and loan documents overdue charges and other charges were levied in the loan account. It is further submitted that due to non- payment of overdue amount and service of interest and installments by the defendant, the amount got NPA and there is huge outstanding dues in the said loan account. The defendant was trying to avoid all his liability and under those circumstances the plaintiff is constrained to issue loan recall notice, dated 16.06.2023 demanding payment of entire outstanding due amount under Loan Account No. LAHYD00043915853 along with agreed future interest, other charges, cost, etc., within 7 days of the service of the

XXII JCJ, CCC, HYD

4 OS. No. 4421 OF 2024 recall notice.

Due to the failure on the part of the defendant in paying the loan amounts the plaintiff bank left with no other alternative, constrained to file the present suit for recovery of outstanding amount of Rs. 8,81,811/- (Rupees Eight Lakhs Eighty One Thousand Eight Hundred and Eleven only) as on 23.04.2024 with agreed future interest @ 7.65% per annum, penal interest, costs, expenses and charges from the defendant.

4.Despite service of summons, defendant did not choose to appear and contest the case. Hence, defendant was set ex-parte.

5. Heard the learned counsel for the plaintiff. Perused the documents.

6.Now the points for determination are :-

1. Whether the plaintiff is entitled for recovery of Rs.

8,81,811/- (Rupees Eight Lakhs Eighty One Thousand Eight

Hundred and Eleven only) together with interest @ 7.65% p.a, penal interest, costs expenses and charges from the

date of filing the suit till realization as prayed ?

2. To what relief ?

XXII JCJ, CCC, HYD

5 OS. No. 4421 OF 2024

7.Point :- It is the specific case of Plaintiff bank that the defendant borrowed credit facility of an amount of Rs. 11,43,559/- (Rupees Eleven

Lakhs Forty Three Thousands Five Hundred and Fifty Nine only) and defendant agreed to repay the said loan amount with interest @ 7.65% per annum by executing all necessary documents. The defendant committed default in repayment of the Credit facility amount, inspite of repeated demands made by the plaintiff and defendant tried to avoid all their liability and under those circumstances, the plaintiff has issued Loan Recall Notice,

dated 16.06.2023 demanding the defendant for the payment of entire

outstanding due amount. Plaintiff bank further submitted that inspite of several requests and repeated demands made by the plaintiff the defendant failed to repay the due loan amount.

8.Ex.A1 is the Certificate of Incorporation, dated 05.01.1994, Ex. A2 is the Power of Attorney, dated 03.11.2008, Ex. A3 is the Preliminary Credit

XXII JCJ, CCC, HYD

6 OS. No. 4421 OF 2024

Facility Application Form, dated 24.06.2021, Ex. A4 is the Office copy of the Loan Recall Notice along with postal receipts, dated 16.06.2023, Ex.

A5 is the Loan Statement of Account No. LAHYD00043915853, dated 23.04.2024 and Ex. A6 is the Affidavit filed under banker Books of

Evidence Act, dated 23.04.2024.

Forty Three Thousands Five Hundred and Fifty Nine only) was sanctioned to defendant, on perusal of Ex.A4, shows that, the plaintiff bank issued the

Loan Recall Notice to the defendant to repay the loan amount, Ex.A5 &

A6 are the statement of account pertaining to the loan availed by the defendant and it shows outstanding due amount to be paid by defendant towards plaintiff bank, Thus, the Ex.A1 to A6 clinchingly proves that, the defendant obtained personal loan from the plaintiff bank and failed to repay the same.

8.Further the testimony of PW1, both oral and documentary evidence remained unrebutted. In the absence of any contra evidence produced on

XXII JCJ, CCC, HYD

7 OS. No. 4421 OF 2024 behalf of the defendant and in view of the evidence of PW1, coupled with

Exs.A1 to Ex. A6 which are found to be reliable and convincing the plaintiff bank is entitled to the suit claim, accordingly this point is answered in favour of the plaintiff bank.

9.IN THE RESULT, the suit of plaintiff is decreed with costs for a sum of Rs. 8,81,811/- (Rupees Eight Lakhs Eighty One Thousand Eight

Hundred and Eleven only) with interest at the rate of 12 % per annum on

principal amount from the date of suit till the date of decree and at 6% per

annum from the date of decree to till the date of realization.

Typed to my dictation to Typist, corrected and pronounced by me in open court on this the 26 th day of NOVEMBER, 2025.

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

APPENDIX OF EVIDENCE

WITNESS EXAMINED

PLAINTIFF DEFENDANT

PW1 Sri N. Chandra Shekar - Nil -

XXII JCJ, CCC, HYD

8 OS. No. 4421 OF 2024

DOCUMENTS MARKED

PLAINTIFF

Ex.A1Certificate of Incorporation, dated 05.01.1994.

Ex.A2Power of Attorney, dated 03.11.2008.

Ex.A3Preliminary credit facility application form, dated 24.06.2021.

Ex.A4Office Copy of the Loan Recall Notice along with postal receipts, dated 16.06.2023.

Ex.A5Loan Statement of account No. LAHYD00043915853, dated 23.04.2024.

Ex.A6Affidavit filed under Bankers Book of Evidence Act, dated 23.04.2024.

DOCUMENTS MARKED

DEFENDANT

- Nil -

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

XXII JCJ, CCC, HYD

OS/4422/2024

M/S ICICI Bank Limited vs MOHAMMED SHAKIR

26 Nov 2025

IN THE COURT OF THE XXII JUNIOR CIVIL JUDGE: CITY CIVIL

COURT: HYDERABAD.

PRESENT:Sri N. RAMACHANDRA RAO,

XIX JUNIOR CIVIL JUDGE,

FAC:XXII JUNIOR CIVIL JUDGE,

CITY CIVIL COURT, HYDERABAD

WEDNESDAY, THIS THE 26th DAY OF NOVEMBER, 2025

ORIGINAL SUIT NO. 4422 OF 2024

Between:

M/s. ICICI BANK LIMITED, having its Registered Office at: ICICI Towers, Near Chakali Circle, Old Padra Road, Vadodara – 390007 and having its Corporate Office at ICICI Bank Towers, Bandra Kurla Complex, Bandra (East), Mumbai – 400051. And amongst others Having its branch office at H.No. 6-2-1012, TGV Mansions, Opp Institution of Engineers, Khairatabad Road, Taj Enclave, Khairatabad, Hyderabad, Telangana – 500004. Rep. By its Authorized Signatory POA Holder Sri N. Chandrasekhar, S/o. Nallathambi, Age: 46 years, Occ: Regional Relationship Manager, R/o. Hyderabad. … PLAINTIFF

A N D

Mohammed Shakir, S/o. Mumtaj Mohammed, Age: 27 years, Occ: Private Service, C/o. Sangam Bazar, No. 4, Raghavendra Colony, Isnapur, Patancheru, Near Max Hospital, Sanga Reddy – 502307. Mobile No. 8074559421.

Also at:

Mohammed Shakir, S/o. Mumtaj Mohammed, Age: 27 years, Occ: Private Service, R/o. 3-108, Modhipuram, Chivvemia, Near Gram Panchayat Office, Suryapet – 508213. ….DEFENDANT 2 OS. No. 4422 OF 2024

J U D G M E N T

1.This suit is filed for recovery of Rs. 9,23,949.36/- (Rupees Nine

Lakhs Twenty Three Thousand Nine Hundred and Forty Nine and Thirty

Six Paise only) as on 23.04.2024 along with future interest @11.26p.a., penal interest, costs, expenses and charges from the date of suit till its realization.

2. Brief averments of the plaint :-

The defendant approached the Plaintiff bank, at Khairatabad branch through DST-Alternate for credit facility for an amount of Rs. 9,00,000/- to meet his personal/ business needs and made an application form, dated 26.10.2022. The defendant executed Credit Facility application form, Key fact statement and Most Important Information accepting the terms and conditions governing the said facility. The plaintiff bank duly sanctioned the Credit facility amount of Rs. 9,00,000/- (Rupees Nine Lakhs only) to the defendant and disbursed the loan amount through ‘RTGS’/Online to his account.

XXII JCJ, CCC, HYD

3 OS. No. 4422 OF 2024

3. It is submitted that the defendants paid the equated monthly installments for some period and thereafter started defaulting in payment of

EMIs, on the respective due dates, contrary to the terms and conditions of credit facility application and other loan documents executed by the defendant which constituted “Events of Default” and thereby committed breach of terms and conditions governing the said credit facility application and other loan documents. As per the terms and conditions of the credit facility application and loan documents overdue charges and other charges were levied in the loan account. It is further submitted that due to non- payment of overdue amount and service of interest and installments by the defendant, the amount got NPA and there is huge outstanding dues in the said loan account. The defendant was trying to avoid all his liability and under those circumstances the plaintiff is constrained to issue loan recall notice, dated 09.11.2023 demanding payment of entire outstanding due amount under Loan Account No. LUHYD00046674848 along with agreed future interest, other charges, cost, etc., within 7 days of the service of the recall notice.

Due to the failure on the part of the defendant in paying the loan amounts the plaintiff bank left with no other alternative, constrained to file

XXII JCJ, CCC, HYD

4 OS. No. 4422 OF 2024 the present suit for recovery of outstanding amount of Rs. 9,23,949.36/- (Rupees Nine Lakhs Twenty Three Thousand Nine Hundred Forty Nine and

Thirty Six paise only) as on 23.04.2024 with agreed future interest @ 11.26% per annum, penal interest, costs, expenses and charges from the defendant.

4.Despite service of summons, defendant did not choose to appear and contest the case. Hence, defendant was set ex-parte.

5. Heard the learned counsel for the plaintiff. Perused the documents.

6.Now the points for determination are :-

1. Whether the plaintiff is entitled for recovery of Rs.

9,23,949.36/- (Rupees Nine Lakhs Twenty Three Thusand

Nine Hundred and Forty Nine and Thirty Six paise only) together with interest @ 11.26 % p.a, penal interest, costs expenses and charges from the date of filing the suit till realization as prayed ?

2. To what relief ?

7.Point :- It is the specific case of Plaintiff bank that the defendant borrowed credit facility of an amount of Rs. 9,00,000/- (Rupees Nine

XXII JCJ, CCC, HYD

5 OS. No. 4422 OF 2024

Lakhs only) and defendant agreed to repay the said loan amount with interest @ 11.26 % per annum by executing all necessary documents. The defendant committed default in repayment of the Credit facility amount, inspite of repeated demands made by the plaintiff and defendant tried to avoid all their liability and under those circumstances, the plaintiff has issued Loan Recall Notice, dated 09.11.2023 demanding the defendant for the payment of entire outstanding due amount. Plaintiff bank further submitted that inspite of several requests and repeated demands made by the plaintiff the defendant failed to repay the due loan amount.

8.Ex.A1 is the Certificate of Incorporation, dated 05.01.1994, Ex. A2 is the Power of Attorney, dated 03.11.2008, Ex. A3 is the Preliminary Credit

Facility Application Form, dated 26.10.2022, Ex. A4 is the Office copy of the Loan Recall Notice along with postal receipts, dated 09.11.2023, Ex.

A5 is the Loan Statement of Account No. LUHYD00046674848, dated

XXII JCJ, CCC, HYD

6 OS. No. 4422 OF 2024 23.04.2024 and Ex. A6 is the Affidavit filed under banker Books of

Evidence Act, dated 23.04.2024.

9.Ex.A2 shows that the plaintiff bank has given authority to PW1 to depose the evidence on behalf of plaintiff bank, From Ex.A3, it is clear the defendant made an application to plaintiff bank for obtaining credit facility, accordingly the loan amount of Rs. 9,00,000/- (Rupees Nine Lakhs only) was sanctioned to defendant, on Perusal of Ex.A4, shows that, the plaintiff bank issued the Loan Recall Notice to the defendant to repay the loan amount, Ex.A5 & A6 are the statement of account pertaining to the loan availed by the defendant and it shows outstanding due amount to be paid by defendant towards plaintiff bank, Thus, the Ex.A1 to A6 clinchingly proves that, the defendant obtained personal loan from the plaintiff bank and failed to repay the same.

Exs.A1 to Ex. A6 which are found to be reliable and convincing the plaintiff bank is entitled to the suit claim, accordingly this point is answered in favour of the plaintiff bank.

XXII JCJ, CCC, HYD

7 OS. No. 4422 OF 2024

9.IN THE RESULT, the suit of plaintiff is decreed with costs for a sum of Rs. 9,23,949.36/- (Rupees Nine Lakhs Twenty Three Thousands

Nine and Hundred Forty Nine and Thirty Six Paise only) with interest at the rate of 12 % per annum on principal amount from the date of suit till the date of decree and at 6% per annum from the date of decree to till the date of realization.

Typed to my dictation to Typist, corrected and pronounced by me in open court on this the 26 th day of NOVEMBER, 2025.

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

APPENDIX OF EVIDENCE

WITNESS EXAMINED

PLAINTIFF DEFENDANT

PW1 Sri N. Chandra Shekar - Nil -

DOCUMENTS MARKED

PLAINTIFF

Ex.A1Certificate of Incorporation, dated 05.01.1994.

XXII JCJ, CCC, HYD

8 OS. No. 4422 OF 2024

Ex.A2Power of Attorney, dated 03.11.2008.

Ex.A3Preliminary credit facility application form, dated 26.10.2022.

Ex.A4Office Copy of the Loan Recall Notice along with postal receipts, dated 09.11.2023.

Ex.A5Loan Statement of account No. LUHYD00046674848, dated 23.04.2024.

Ex.A6Affidavit filed under Bankers Book of Evidence Act, dated 23.04.2024.

DOCUMENTS MARKED

DEFENDANT

- Nil -

Sd/-

XIX JUNIOR CIVIL JUDGE

FAC: XXII JUNIOR CIVIL JUDGE, CITY CIVIL COURT: HYDERABAD

XXII JCJ, CCC, HYD

OS/2198/2024

BIRENDRA KUMAR CHOURASIA vs RISHIKA DAS

21 Nov 2025

1 of 6 OS. No. 2198 of 2024

IN THE COURT OF III JUNIOR CIVIL JUDGE, CITY CIVIL

COURT, HYDERABAD.

Present: Smt. Putta Mounika, III Junior Civil Judge, City Civil Court, Hyderabad.

ON THIS 21st DAY OF NOVEMBER, 2025.

OS.No. 2198 of 2024

Between:-

Birendra Kumar Chourasia, S/o. Late Sh. Ram Udar Chourasia, R/o. Flat no. 103, Parakruthi Dew Drops, RTC X Road, Chikkadpalli, Hyderabad-500020.

...Plaintiff.

And

Rishika Das, R/o House No. 54 B/1, Tuljai Nagar, Tuljapur, Dharashiv, Maharastra - 413601.

Also at:-

Deputy Manager State Bank of India, Mangalwarpeth (MP), Tuljapur Branch, 234C + 9PC, Lohia Mangal Karyalay,

Tuljapur, Maharashtra-413601. ...Defendant.

Claim: Suit for recovery of money. ***

This suit came up before me on 30-10-2025 for final hearing in the presence of Sri. M. P. Sanjay, Advocate for the Plaintiff and the Defendant is set exparte and having been stood over for consideration till this day this Court delivered the following:- 2 of 6 OS. No. 2198 of 2024

J U D G M E N T

1.This suit is filed by the Plaintiff under section- 26, Order 7 Rule 1 & 2 Of

CPC, 1908.

2. The brief averments of the Plaint is that the Plaintiff and the Defendant are colleague as both of them working in State Bank of India. That the Plaintiff submit that he is well acquainted with the Defendant since last several years as they were colleague whiel working in state bank of India. The Plaintiff further submits that he was transferred from Mumbai to Hyderabad. That on 14-03-2024 the Defendant has called the Plaintiff and requested for financial help to provide Rs. 2,00,000/- (Rupees Two Lakhs only) for acquiring some immovable property in Patna, in Bihar and the Defendant promised to the

Plaintiff that she will return the said amount within 4 days) The Plaintiff submits that he has believed upon the said promise and he has come forward to help the Defendant by providing Rs. 2,00,000/- (Rupees Two Lakhs only).

(ii) That the Plaintiff submits that he has arranged the said amount of Rs.

2,00,000/- (Rupees Two Lakhs only) from other sources on interest basis to help the Defendant. The Plaintiff submits he has transferred Rs. 2,00,000/- (Rupees Two Lakhs only) into the Defendant's bank account on 14-03-2024 through bank transfer which is duly reflected in the Plaintiff's & Defendant's statement of account. That the Plaintiff also submits that Defendant has also 3 of 6 OS. No. 2198 of 2024 promised she will return an amount of Rs.2,00,000/- (Rupees Two Lakhs only) within 4 days from the receipt of the said hand loan. The Plaintiff submits that after 4 days when Plaintiff contacted the Defendant, the Defendant has further promised to return back the said hand loan amount immediately as Defendant has availed some loan and Defendant was expecting the disbursement shortly.

However, the Plaintiff had not received loan amount from the Defendant.

(iii) That the Plaintiff also submits that the Defendant has duly acknowledged the receipt of said financial assistance vide e-mail dated 26.03.2024 wherein

Defendant has promised to return the money by 30.03.2023 on or before. The

Plaintiff being friend and colleague of Defendant, he has trusted the Defendant.

But, the Defendant cheated the Plaintiff and after some time she is not even bother to respond to the phone-calls of Plaintiff. That the Plaintiff submits that he is under obligation to pay from his pocket the said amount Rs. 2,00,000/- (Rupees Two Lakhs only) which is borrowed together with interest on it. The

Plaintiff submits that the Defendant has cheated and dishonestly taken an amount of Rs. 2,00,000/- (Rupees Two Lakhs only). Hence, this suit.

3.Suit was registered and summons were ordered by the Court. The

Defendant received summons through Email but failed to appear before the

Court. Hence, she was set exparte.

4 of 6 OS. No. 2198 of 2024

4.To support its case, PW1 was examined. Chief examination affidavit of

Pw1 was filed and Exhibit A1 to A4 were marked.

5.Heard Counsel for the Plaintiff.

6.Now the point for consideration is.,

A) Whether the Plaintiff Bank is entitled for the recovery of suit amount along with interest @24% P.A from the Defendant ?

B) To what relief?

The above Points will be discussed in the following way..

ON POINT A: Whether the Plaintiff Bank is entitled for the recovery of suit amount along with interest @24% P.A from the Defendant ?

(i)It is the contention of Pw1 that the Plaintiff and Defendant are colleague as both of them worked in State Bank of India. That on 14-03-2024 the

Defendant has called the Plaintiff and requested for financial help to provide

Rs. 2,00,000/- (Rupees Two Lakhs only) for acquiring some immovable property in Patna, in Bihar which is payable along with interest @24% P.A. PW1 also submitted that in view of the said loan amount Defendant promised to pay the amount within 4 days and after obtaining loan amount, she defaulted in 5 of 6 OS. No. 2198 of 2024 payment. And is due to Plaintiff to an amount of Rs. 2,08,789/- as on the date of filing of the present suit.

(ii)To prove that Defendant had approached Plaintiff for seeking loan facility of Rs. 2,00,000/-, PW1 has filed exhibit A1 i.e., Ex.A1 Account Statement of the Plaintiff and Defendant. And to prove that Defendant is due of suit amount, he filed Ex.A2 to A4 i.e., Ex.A2 E-Mail Dt. 26-03-2024 sent by the Defendant to Plaintiff, Ex.A3 Legal Notice, dated 22-04-2024 & Ex.A4 Postal track reports and postal return covers. Upon perusal of all these documents it is seen that they support the claim of PW1. And Defendant did not come forward to challenge the oral evidence of PW1 and also the documents filed by him. As such, the evidence and documents remained unchallenged and are taken in favour of PW1.

Hence, Point A is answered accordingly.

ON POINT B: To what relief?

In the result, Suit is decreed with cost in favour of the Plaintiff directing the Defendant to repay the suit amount of Rs. 2,08,789/- with future interest @6% P.A from the date of the suit till the date of the realisation of the said amount.

Typed to my dictation by Stenographer, corrected and pronounced by me in the open court on this 21 st day of November, 2025.

III Junior Civil Judge,

City Civil Court, Hyderabad.

6 of 6 OS. No. 2198 of 2024

APPENDIX OF EVIDENCE

WITNESSES EXAMINED

For Plaintiff For Defendants

Pw1. Birendra Kumar Chourasia None.

EXHIBITS MARKED

For Plaintiff:

Ex:A1 Account Statement of the Plaintiff and Defendant

Ex:A2 E-Mail Dt. 26-03-2024 sent by the Defendant to Plaintiff

Ex:A3 Legal Notice, dated 22-04-2024

Ex:A4 Postal track reports and postal return covers.

For Defendant:

NIL

III Junior Civil Judge,

City Civil Court, Hyderabad

Order Record 204 total

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Frequently Asked Questions

How many cases has SMT. PUTTA MOUNIKA handled?

SMT. PUTTA MOUNIKA has handled 207 court orders since 2025 at HYD, City Civil Court Complex. The average disposal rate is 22 orders per month.

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Based on available records, SMT. PUTTA MOUNIKA primarily handles Civil matters (Original Suits, Execution Petitions) at HYD, City Civil Court Complex.

Where is SMT. PUTTA MOUNIKA currently posted?

SMT. PUTTA MOUNIKA is posted as III JUNIOR CIVIL JUDGE at HYD, City Civil Court Complex, Hyderabad, Telangana.

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Yes. 15 judgments by SMT. PUTTA MOUNIKA are available on Legistro with full text, outcome, and sections cited.

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SMT. PUTTA MOUNIKA disposes approximately 22 cases per month, based on 207 orders handled over their tenure at HYD, City Civil Court Complex.

Since when is SMT. PUTTA MOUNIKA serving?

SMT. PUTTA MOUNIKA has been serving at HYD, City Civil Court Complex since 2025. and is currently posted there.

Case Types

OS 100%

EP 0%

Posting History

Apr 2026 — Present

III JUNIOR CIVIL JUDGE · 5 orders
Nov 2025 — Nov 2025

XX JUNIOR CIVIL JUDGE
Nov 2025 — Nov 2025

XXII JUNIOR CIVIL JUDGE · 6 orders
Aug 2025 — Dec 2025

III JUNIOR CIVIL JUDGE · 196 orders

Outcomes on Record

Compromised 3

Other Judges at this Court

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Smt. P.lakshmi Kumari

XI ADDITIONAL CHIEF JUDGE

1 orders

Smt. M. Padmaja

XIV ADDITIONAL CHIEF JUDGE

1,179 orders

Sri. D.v. Nageswara Rao

XXV ADDL CHIEF JUDGE

1,759 orders

Smt. Vempati Aparna

XXVI ADDITIONAL CHIEF JUDGE

14 orders

Ms. Shalini Lingam

II JUNIOR CIVIL JUDGE

86 orders

Ms. K.Keerthana

IV JUNIOR CIVIL JUDGE

20 orders

Ms. G.Girija

V JUNIOR CIVIL JUDGE

36 orders

Ms. Anamika

VI JUNIOR CIVIL JUDGE

670 orders

Ms. K.Bindu

VII JUNIOR CIVIL JUDGE

137 orders

Ms. B.Manasa

VIII JUNIOR CIVIL JUDGE

64 orders

Smt. B. Kalpana

IX JUNIOR CIVIL JUDGE

210 orders

Smt. Arisha Nusrat

X JUNIOR CIVIL JUDGE

2 orders

Sri. Rama Chandra Rao Nadendla

XIX JUNIOR CIVIL JUDGE

339 orders

Gopi Krishna Kumaram

XXI JUNIOR CIVIL JUDGE

0 orders

Sri C.suresh

I SENIOR CIVIL JUDGE

344 orders

Sri. B. Rama Rao

II SENIOR CIVIL JUGDE

45 orders

Sri. G. Uday Kumar

THE PRL. SPECIAL COURT IN THE CADRE OF DISTRICT JU...

48 orders

Sri. N. Venkat Ram

ADDL. SPECIAL COURT IN THE CADRE OF DISTRICT JUDGE...

19 orders

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