{"id":167127,"date":"2010-09-15T00:00:00","date_gmt":"2010-09-14T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/farouk-yusuff-vs-state-bank-of-mysore-on-15-september-2010"},"modified":"2017-01-29T18:18:30","modified_gmt":"2017-01-29T12:48:30","slug":"farouk-yusuff-vs-state-bank-of-mysore-on-15-september-2010","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/farouk-yusuff-vs-state-bank-of-mysore-on-15-september-2010","title":{"rendered":"Farouk Yusuff vs State Bank Of Mysore on 15 September, 2010"},"content":{"rendered":"<div class=\"docsource_main\">Karnataka High Court<\/div>\n<div class=\"doc_title\">Farouk Yusuff vs State Bank Of Mysore on 15 September, 2010<\/div>\n<div class=\"doc_author\">Author: S.N.Satyanarayana<\/div>\n<pre>1\nIN THE HIGH COURT OF KARNATAKA, BANGALORE\n\nDATED THIS THE 15'1\"\" DAY OF SEPTEMBER 2010\n\nBEFORE\nTHE HONBLE MR. JUSTICE S.N. SATYANARAYPEEA\n\nR.F.A. No. 679\/2001 (MON)\nBETWEEN:\n\nMRFAROUK YUSUFF,\n\nS \/ O LATE YUSUFF ABDULA.\nAGED ABOUT 60 YEARS.\nRADIO HOUSE,\n\n1 13  BRIGADE} ROAD.\nBANG!-\\LO%~ 560 001.\n\nPRESENT ADDRESS, S \n\nNO.51,\" \"BOv'e'.i'\u00a7;[\u00a7\\E(};::\u00a7i:~10\u00a73'PIffAL 'ROAD,\nBANGALORE: 559.. go 1 .'    ._ - - . . .APPI}3LLANT\n\n[BY SR1 'AB4I3{INA\"J\" R...\" ASVCEIATE FOR\nM\/S. KUMAR &amp; ;\u00a7.:;M.:3R~ASSOc1ATES. ADVOCATES)\n\n '~     2   ..... .. 9\n\n E S\"fm.'1.\u00ab:\"  MYSORE,\n BANKING COIVEPANY INCORPORATED\n\nUNDER _OO.MPANiES ACT.\nHAVING 1'}-'S' HEIAID OWICE: AT\n\n K.G.R=OA;\u00a5), BANGALORE AM)\n ----  A,BRANCi-I OFFICE AMONGST\n  OTHER PLACES AT M.G.ROAD.\n_  'BA?~EGAI,OI{E\u00ab56O 001.\n\n  ~~-RVEPRESENTEI.) BY ITS\n\nB RANC H MANAGER. . . . . . RE?SPONDi\u00a7NT\n\n[BY SR1 .\"I'. S. MAHABALE SW3-XRA, A[)VOCATE)\n\n\n\n2\n\nTHIS RFA IS FILED UNDER SECTION 96 OF CPC\nAGAINST 'I'HI%3 JUDGMENT AND IJ.Ii}CR}iSE DATED\n28.5.2001<\/pre>\n<p> ZPASSIZIJ IN O.S.NO.l&#8217;?44\/87 BY &#8220;f&#8217;l~IE XXIX<br \/>\nADDITIONAL, CITY CIVIL JUDGE, BANGALORE, (CCI-I<br \/>\nl\\lO.30}, PARTLY DECREEING THE SUIT FOR MONEY.<\/p>\n<p>THIS R.F&#8217;.A.COMIN&#8217;G ON FOR I-IEARING *rI=\u00a7Is<\/p>\n<p>THE COURT DEI.IVlE)REI) THE I*&#8221;OLLOWING:\u00bb  &#8216;<br \/>\nJ U I} G M E N T<\/p>\n<p>This is de&#8217;fer1dam&#8217;s  <\/p>\n<p>correctness of the jucigrI_1er3t47..  I&#8217; <\/p>\n<p>28.05.2001 passed in 0.8. ll&#8217;?-\u00e9lg\ufb01l,\/8?  &#8220;of the<br \/>\nXXIX, Additional City\n<\/p>\n<p>2) The Vap&#8217;pella;_I1f  isV.tl&#8217;I\u00a7_.\ufb01lefendant, and<\/p>\n<p>the re:3pondA\u00e9fit:VB_aE}k&#8217;I.\u00a7&#8221;th_e. plairltiff in the court below.<br \/>\nFor the&#8217; vvsg\u00e9ltke of I  the parties herein are<\/p>\n<p>refe;jr\u00e9dI.to  &#8220;ranking in the Court below.<\/p>\n<p>,,     plaintiff is a Natioraaliseci Bank having<\/p>\n<p> in 1\\\/LG. Roa\u00e9. The defendant is a<\/p>\n<p>business ffielfi and also Manager of M \/ 3. Radio House.<\/p>\n<p>I S_itou\u00a71t;eId at I\\Io.1.13  Brigade Road. Defealdarat and<\/p>\n<p>&#8212;  M Radio House are long si:an.ding custorluars of the<\/p>\n<p>&#8221; .&#8221;plaint,il&#8217;f havilag their accounts with pl21ini;:iff.<\/p>\n<p>may&#8217;?\n<\/p>\n<p><span class=\"hidden_text\">3<\/span><br \/>\n21%} It is the ease of the plaintiff that the<br \/>\ndeferidant approached the plaintiff for grant of housing<\/p>\n<p>loan to an extent of Rs.1,S0,000\/&#8211; for eomplet;io11V;f&gt;his<\/p>\n<p>house at Koramangala. Since the plaintii&#8217;f_iv.asstrict.&#8217;<\/p>\n<p>having&#8221; the facility to sanction housing loan}:-._i:t.   <\/p>\n<p>over draft facility to an Extc\u00e9rit &#8220;of t_ Rs.-(3(\u00a7)t,:(il\u20ac}O to&#8217;.<\/p>\n<p>defendant on 28.07.1984, 3Vl1iCl?l&#8221;..V\\r;\u00a3tS. <\/p>\n<p>the defendant. In terms  sanet_io11 :.&#8217;ofAt.&#8217;o4trterdral&#8217;t<br \/>\nfacility the defenciant:&#8217;:h\\vas  repay the entire<br \/>\namount received in the   within 10<\/p>\n<p>months. Thetsaifzi afmou;a&#8217;t \\}Vas5.&#8221;re.q_u\u00a7ired to be repaid<\/p>\n<p>with  it -t is the further case of the<br \/>\nplair1t;iff \u00ab that.&#8217; tttoijgii defendant availed overdraft<\/p>\n<p>faeilit3}, &#8220;he did  repay the said amount in terms of the<\/p>\n<p>.sanetiori,  several reminders were sent to him,<\/p>\n<p>   duly aelmow}.edged by the deferidarlt.<\/p>\n<p>&#8220;l&#8217;herte.ai&#8217;ter.; a legal notice was also sent calling upon the<\/p>\n<p>  de&#8217;fe.r1dar1.t to clear the outstandirlg loan, which was not<\/p>\n<p>  to. Hence, the plaintiff filed a suit for recovery<\/p>\n<p> the outst,andiI1g; amount, of Rs.41,085.37 with interest<\/p>\n<p>Ml,<\/p>\n<p><span class=\"hidden_text\">5<\/span><br \/>\nrepresented by the defendant in the capacity of a<br \/>\nGeneral Manager and he eienieci any eommti.nicai.ion to<\/p>\n<p>him directiy from the p1aintiff-Bank in his personal<\/p>\n<p>name calling upon him to pay the 21fores_2*i&#8211;id&#8221;&#8211;Ioa:1<\/p>\n<p>amount. It is his specific case that he head&#8217; Lroxfowedii V&#8217;<\/p>\n<p>money from the p1aintiff&#8211;Bank \u00bbd_ift&#8221;e1;en.t&#8217;,<\/p>\n<p>accounts, which he has repaid &#8216;cor11piet.eIy&#8217;.i,i&#8221;t11erefor=e,V&#8217;&#8211;..<\/p>\n<p>there are no dues from  it is Valisoi that<br \/>\nthe plaintiff is not   to have<br \/>\nbeen sanctioneci on   either in<br \/>\nhis individual&#8217; ori   of M\/s. Radio<br \/>\nHouse:&#8217;-,   as a General Manager.\n<\/p>\n<p>Therefore&#8217;;    of the suit.\n<\/p>\n<p> _&#8217;F&#8221;mC_,_ouv:::t beiow after completion of<\/p>\n<p> &#8216;pIeadin.gs, trained the following two issues, which are as<\/p>\n<p>EiZ1Ci\u20aci&#8217;I~ &#8216; <\/p>\n<p>i  VW11ethez&#8217; the piaintiff proves that the<br \/>\n defendant has avaiied the loan in<br \/>\nquestion and has executed necessary<br \/>\ndocuments agreeing to pay interest. at<\/p>\n<p>18% pa with quarteriy rests as<\/p>\n<p>alieged&#8217;?\n<\/p>\n<p><span class=\"hidden_text\">6<\/span><\/p>\n<p>ii) Whether the plaintiff is entitled to<br \/>\nrecover the suit claim from the<br \/>\ndefendant t0g&#8217;et.hei~ with current and-=__<\/p>\n<p>future interest at i&#8217;?.5% p.a.&#8217;?\n<\/p>\n<p>iii) What&#8217; decree or order&#8217;?\n<\/p>\n<p>8) Thereafi:er, on behalf <\/p>\n<p>officers, namely, KS. LakshInan4anddV.Sri.  Srina&#8217;thd&#8221;a<\/p>\n<p>were examined as PWs.1  respeat\ufb01iv eiyddand the<br \/>\ndocuments pmdueed   support of its<br \/>\ncase were marked as   behaif of the<\/p>\n<p>defendia11tv,.A1f1&#8217;e,eX\u00e9\u00a3min&#8217;ed=11i.mse1.f.aais DW.1, no documents<\/p>\n<p>were  On appreciation of the<\/p>\n<p>pleadingsdandv oral and\u00ab&#8230;doCume11tary evidence available<\/p>\n<p>  &lt;)r1..&#039;::&quot;e.cor:ci,evp_i&#039;.11e Aeo&#039;L:..rtd..be1ow proceeded to partially decree<\/p>\n<p> &quot;Li&lt;1.e&#039;-p_sLI4ii&#039;;i;&quot;difee1:ir1g defendant to pay a sum of<\/p>\n<p> iivith simple interest at 6% p.a., from the<\/p>\n<p>&quot;,_date &quot;i&quot;nStit.u&#039;\u20ac.ion of the suit: till the date of realisation<\/p>\n<p>&#039;d&#039;_o.f same and court cost. The appeliani:\/defendant;<\/p>\n<p>  i3ei11g aggrieved by the judgment and decree passed by<\/p>\n<p>the Court below, defe&#039;nde3&quot;1t has ehailenged the Same in<\/p>\n<p>this eppeai on the following gI&#039;&lt;)m1ds:<\/p>\n<p>Q\/&#039;~&#039;\u00a7<\/p>\n<p><span class=\"hidden_text\">7<\/span><\/p>\n<p>9) The Court below has not properly<br \/>\nappreciated the grounds raised by the defendant whiie<\/p>\n<p>considering Issue No.2, the burden of proving the&#8211;said<\/p>\n<p>claim is on the plaintiff; that the Court <\/p>\n<p>wrongly decided the same in favour of the  <\/p>\n<p>the proper accounts extract is notmpI&#8221;edt;aeed <\/p>\n<p>of the claim; that there is&#8217; Variation in tfie&#8221;ae~eoi.;ht,S&#8217;~_<\/p>\n<p>extract from that of the suit&#8221;h\u00bbo}aim:   aiso<br \/>\nfailure in proper apptrseeiationdddodf ohhthe part of<br \/>\nthe Court below; and thet.  f.-has produced<\/p>\n<p>two e;\u00a7:tfiie&#8217;ts}:&#8221;3xe&#8217;A.:iEf7   are showing different<br \/>\nenti*iesVu,&#8217;-.desti&#8221;oye&#8221;the:&#8217;vei&#8217;j,r.iteundation of p1ain.tiff&#8217; S ease.<\/p>\n<p>Further, also piedded by the defendant that the<\/p>\n<p> ajhelow  &#8220;&#8221; &#8220;failed to appreciate whether the<\/p>\n<p> loan to the plaintiff in his<\/p>\n<p>individu;a.1_d&#8217;ifi\u00e9im.e or in the name of General Manager,<\/p>\n<p>   M\/S. Raelio House.\n<\/p>\n<p>  }0} In this appeai, the plaintiff was duly served<\/p>\n<p>  aihd represented by its counsel The entire trial Court<\/p>\n<p>record was also secured. Wm<\/p>\n<p>i<\/p>\n<p><span class=\"hidden_text\">8<\/span><br \/>\n11} On going through the pleadings and t.he<\/p>\n<p>grounds urged by the defendant in this appeal, the<br \/>\npoints that arise for consideration in this appeal a1fe,_~.<\/p>\n<p>i) Whether the Court below was j11st.ii:ie&#8217;.r5l<br \/>\nciecreeing the suit of the  :&#8221;\n<\/p>\n<p>directing the ciefendantto pa_y&#8221;_<br \/>\nRs.41,0s5.37 with  at * 4.5%&#8217;  &#8216;V T<br \/>\nfrom the date of suit.__   <\/p>\n<p>realisation?\n<\/p>\n<p>ii] What order?..V\n<\/p>\n<p>12) Heard the Connelelll\u00bb  \/ defendant<\/p>\n<p>and  -Plerused the impugned<br \/>\njudgment anda1so&#8221;thei__:&#8217;eVitienCe on record along with<\/p>\n<p>the :doeL1ment:s&#8221;1:iarkecl&#8217; in the Court below. On re-<\/p>\n<p>lv&#8221;app3&#8217;eci&#8217;a&#8217;tion__of the pleadings and evidence on record.<\/p>\n<p> Co=;l1:If1:vla:isx\u00a3&gt;&#8217;ered the aforesaid point, which arose for<\/p>\n<p>Con&#8217;side_:&#8217;ai;ion in the affirmative, for the following<\/p>\n<p>it  V&#8221;r.easons:\u00bb\u00a7.\n<\/p>\n<p> 6533) The fact that the appellant\/defendant: is an<\/p>\n<p>  &#8230;e.mp.E0yee Working in the capacity of General Manager of<\/p>\n<p>M\/s. Raoio ltlcitise is not in dispute. It is also not in<\/p>\n<p><span class=\"hidden_text\">9<\/span><br \/>\ndispute that the said M \/ s. Radio House is the<br \/>\nCor1st.i.tuerit of the plaintiff for 3. long time and therefore,<\/p>\n<p>it had Kong standing business transaction wit}i=._the<\/p>\n<p>plaintiff. The appeilant herein, who was <\/p>\n<p>Genera} Manager of the said firm had  <\/p>\n<p>with the p1air1tiff for a tong  <\/p>\n<p>dispute that at the relevant ?.point4&#8217;0f:t:rI1e, <\/p>\n<p>had taken up construction  house._ai1d&#8217;V.1tii&#8217;\u00e9.;tVtime had<br \/>\nsubmitted an application  jiioasingviiloan to an<br \/>\nextent of Rs.i,5O,O0O\/V of his<\/p>\n<p>house. It is ;E3~&#8217;l;$_\u00a7iE&#8217;:_:V\\L&#8217;1&#8217;1()f;:i.1&#8243;}. =:disp1ite&#8217;thtat__.s\u00abince plaintiff was<\/p>\n<p>not having _fac:&#8217;iii*ty7&#8217;tosarirztiori housing loan. Therefore<br \/>\nthe co11ter_1tiovni;;5Iai.fi.tiff that. considering the iong<\/p>\n<p>StEl.&#8217;.1\u00a7t:&#8217;1i.VI1g busiriess reiationship plaintiff had with M\/ s.<\/p>\n<p>.Ra.d_io  Where the defendant was working as a<\/p>\n<p>&#8220;Gez1eraI&#8217;Mar1ager, his request for ioan was considered<\/p>\n<p>as .s};iec&#8217;ia1 ease and overdraft facility to the tune of<\/p>\n<p>  \u00a5{s;5nO,t}&#8217;OO\/~ was sanctioned to enable him to complete<\/p>\n<p> Heonstruetion of his house and that the defendant<\/p>\n<p>&#8220;has utilised the same can not be ciisbeiieved.<\/p>\n<p>&#8217;10<br \/>\n14\u00bb) Further Cont;ehtioi1 of the defendant that.<br \/>\nthough he souglit for sanction of loan of Rs.l,50,000\/&#8211;,<\/p>\n<p>the same was not eanetioiied to him as the h(&gt;Lisihg. loan<\/p>\n<p>facility was not available with the plaintiff arid <\/p>\n<p>overdraft. to an extent of Rs.60,C300\/~ was   <\/p>\n<p>28.07.1984 in the name of NH<\/p>\n<p>was working as 21 General Manager \u00e9hfid riot&#8211;3.r1*h1s &#8216;1if:iIifile._V<\/p>\n<p>therefore, he is not liable {ogre-pay tile   in V&#8217;<\/p>\n<p>his individual Capaeit\ufb01earillhotiljl:)e&#8221;=aCCe}\u00a7ted.&#8221;&#8216;d Though<\/p>\n<p>dependent claims that&#8217;: Vvcorhi151&#8242;}liI:_11_i:atioris dated<\/p>\n<p>28.07.1984-EX&#8217;.&#8217;i?2:*  -2&#8217;f?7.e5,o11\u00a7;z8l5\u00ab1i;x.e3 were<\/p>\n<p>acidretgsed&#8211;to&#8217;l&#8211;&#8216;i.im_:&#8217;iiot&#8217; -individual capacity but, as<br \/>\nGeneral &#8216;Manager Radio House, therefore, the<\/p>\n<p>said} ovierdrafi.-&#8216;facility was not sanctioned to him, the<\/p>\n<p>. eaid ;&#8217;oI1.t,eIitio:1 does not hold water in View of his reply<\/p>\n<p>   letter at EXP4 Writteii by the defendant in<\/p>\n<p> hii3__iIivCi&#8217;i.\\riduei.i capacity&#8217; to the Manager of the plaintiff<\/p>\n<p>&#8220;&#8216;elez1i&#8217;ly discloses that the civerdraft of Rs.60.000\/&#8211; was<\/p>\n<p> &#8220;V&#8221;ext.eh_ded to him in his individual eapacity and that he<\/p>\n<p>ixk\ufb01<\/p>\n<p><span class=\"hidden_text\">11<\/span><br \/>\nhad utilised the same. In the said letter, he had also<br \/>\nrequested for an accommodation of three months to<\/p>\n<p>clear the said amount and further, he has also gi\\1\u00bb&lt;e.na11<\/p>\n<p>&#039;undertaking to remit Rs.4,351.28 within;&quot;fe\u00a5;&amp;=tj&#039;~&#039;..&#039;_dayjs&#039;nA<\/p>\n<p>towards the said loan amount.  .sa;id <\/p>\n<p>acknowledgement by letter dated: 10:.-Ot\ufb01fiv  <\/p>\n<p>EX.P4 clearly establishes th&#039;a.t.__all  ulifgetl <\/p>\n<p>by the defendant in his written stVaten91&#039;ent&#039; and also in<br \/>\nhis evidence are nVothing&#039;A._ baatvtlh  to deny<\/p>\n<p>repayment of loan ava.i.1\u00abed.by him. &#039; <\/p>\n<p>   Codi&#039;t&quot;he1oW has rightly relied<\/p>\n<p>upon the  P4 and has decreed the suit<\/p>\n<p>in favour of&quot;&quot;tljielp3ainvtiff1l Further the grounds urged by<\/p>\n<p>&#039;JV&quot;=th-g:._defe:nd&#039;ant&#039; hefeijhl in this appeal regarding variance<\/p>\n<p>  is also properly explained by PWs.l<\/p>\n<p> who have given evidence in support of the case of<\/p>\n<p> plai__nti&#039;ff-Bank. On going through the same, it is<\/p>\n<p>&#039;&#039; &#8211;el&#039;e.a1fl.y seen that there is no discrepancy In the oral or<\/p>\n<p>  _,,_docun1enta1&quot;y evidence. In fact the defendan.t has made<\/p>\n<p>an attempt. to implicate M\/s. Radio House, in his place<\/p>\n<p>l2<br \/>\nas the borrower and to create COI1f1.lSiOI1 regarding his<br \/>\nliability to repay oL1tsta11d_ing loan due to plaintiff. In<\/p>\n<p>the light of the evidence of I-&#039;3Ws.1 3: 2 an&lt;_:1___ the<\/p>\n<p>documents produced by the plaintiff, the <\/p>\n<p>is right in contending that the defendant&#8211;~,i&#039;ias..Aayaaile.d&#039;a V&#039;<\/p>\n<p>overdraft facility to the tune of }\u00a7&#039;&lt;\u00bbS&#039;;E}{1,00:()\/it  it<\/p>\n<p>to plaintiff to clear the outstanel:i\u00abrig&#039;&#8211;.ai*i&#039;ioiil&#039;:r1.t. <\/p>\n<p>said over draft, which  on &#039;V<\/p>\n<p>28.07. 1984.\n<\/p>\n<p>17) In any event; lithe  not made out<\/p>\n<p>any valid groiirid    V&#8217; the weihreasoned<\/p>\n<p>judgIIiei1t_  by the Court below in<br \/>\ncleczreeirig tili\u00e9glijiaintiff-Bank for recovery of a<\/p>\n<p>sumjliovf i?_s.4l;&#8217;08.5V.OO&amp;:with interest at 6% pa.<\/p>\n<p>l\u00e9)y Accordingly, the appeal filed by the defendant<\/p>\n<p>H islit&#8221;\u00a3iSIi1&#8217;ie\u00a73&#8243;_eg:ll&#8217;x;i?i&#8217;i.hout, any orcler as to Costs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Karnataka High Court Farouk Yusuff vs State Bank Of Mysore on 15 September, 2010 Author: S.N.Satyanarayana 1 IN THE HIGH COURT OF KARNATAKA, BANGALORE DATED THIS THE 15&#8217;1&#8243;&#8221; DAY OF SEPTEMBER 2010 BEFORE THE HONBLE MR. JUSTICE S.N. SATYANARAYPEEA R.F.A. No. 679\/2001 (MON) BETWEEN: MRFAROUK YUSUFF, S \/ O LATE YUSUFF ABDULA. AGED ABOUT 60 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8,20],"tags":[],"class_list":["post-167127","post","type-post","status-publish","format-standard","hentry","category-high-court","category-karnataka-high-court"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Farouk Yusuff vs State Bank Of Mysore on 15 September, 2010 - Free Judgements of Supreme Court &amp; High Court | Legal India<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalindia.com\/judgments\/farouk-yusuff-vs-state-bank-of-mysore-on-15-september-2010\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Farouk Yusuff vs State Bank Of Mysore on 15 September, 2010 - Free Judgements of Supreme Court &amp; 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