{"id":252019,"date":"2009-08-24T00:00:00","date_gmt":"2009-08-23T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/augustine-devassy-vs-southern-railway-on-24-august-2009"},"modified":"2016-12-26T13:58:51","modified_gmt":"2016-12-26T08:28:51","slug":"augustine-devassy-vs-southern-railway-on-24-august-2009","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/augustine-devassy-vs-southern-railway-on-24-august-2009","title":{"rendered":"Augustine Devassy vs Southern Railway on 24 August, 2009"},"content":{"rendered":"
Kerala High Court<\/div>\n
Augustine Devassy vs Southern Railway on 24 August, 2009<\/div>\n
       \n\n  \n\n  \n\n \n \n  IN THE HIGH COURT OF KERALA AT ERNAKULAM\n\nWP(C).No. 2628 of 2006(K)\n\n\n1. AUGUSTINE DEVASSY,\n                      ...  Petitioner\n\n                        Vs\n\n\n\n1. SOUTHERN RAILWAY, REPRESENTED BY\n                       ...       Respondent\n\n2. DIVISIONAL RAILWAY MANAGER(P),\n\n3. CHIEF PERSONAL OFFICER,\n\n4. CHIEF PROJECT MANAGER,\n\n                For Petitioner  :SRI.SAIGI JACOB PALATTY\n\n                For Respondent  :SRI.VARGHESE P.THOMAS, SR.SC,RAILWAYS\n\nThe Hon'ble MR. Justice C.T.RAVIKUMAR\n\n Dated :24\/08\/2009\n\n O R D E R\n                          C.T. RAVIKUMAR, J.\n                   ---------------------------------------------\n                         W.P.(C) NO.2628 of 2006\n                   ---------------------------------------------\n                   Dated this the 24th day of August, 2009\n\n\n                                 JUDGMENT\n<\/pre>\n
      The petitioner is a retiree from the Southern Railway, as Traffic<\/p>\n
Inspector. While he was in service, he had applied for a housing loan and<\/p>\n
it was sanctioned as Ext.P1 order dated 24.10.89. The terms of the loan<\/p>\n
have been set forth in the annexure appended thereto. Admittedly, the<\/p>\n
petitioner had repaid the entire amounts covered by the said loan prior to<\/p>\n
his voluntary retirement on 30.09.03. After discharging the entire liability<\/p>\n
arising out of the said loan transaction, the petitioner had requested the<\/p>\n
authorities for the release of the title deeds in relation to the mortgaged<\/p>\n
property.    Despite repeated requests, no action was taken by the<\/p>\n
respondents for that behalf and it was in the said circumstances that the<\/p>\n
petitioner approached this court by filing the above writ petition mainly<\/p>\n
with the prayer to direct the respondents 1 and 2 to return the title deeds<\/p>\n
pertaining to the mortgaged property.\n<\/p>\n
\n
      2.     After the receipt of notice in this writ petition, Ext.R1 notice<\/p>\n
was issued by the respondent to the petitioner. Consequently, the writ<\/p>\n
petition was amended to assail the said demand notice as well. Ext.R1<\/p>\n
reads thus:-\n<\/p>\n
W.P.(C) NO.2628 of 2006              2<\/span><\/p>\n
            “The Loanee insures the house with the Life
\n            Insurance Corporation of India at his cost
\n            immediately     after  the   completion    of   the
\n            construction for a sum, not less than the amount of
\n            the advance against loss or change by fire. The
\n            Policy of the Insurance should be deposited in this
\n            office and the employee shall also pay regularly
\n            the premium in respect of the said insurance and
\n            will when required produce the mortgagee the
\n            premium receipt for inspection”.\n<\/p><\/blockquote>\n
<\/blockquote>\n
As is evident from Ext.R1, the same was issued only after 16.3.06 where as<\/p>\n
the petitioner had retired from service voluntarily on 30.09.03. There is<\/p>\n
absolutely no case for the respondents that while the petitioner was in<\/p>\n
service he was issued with any such kind of notice raising any such<\/p>\n
demand. A bare perusal of the statement filed on behalf of the respondents<\/p>\n
in June 2006 would reveal the real intention behind the insistence for<\/p>\n
insuring a building built by availing a loan from the respondent. The<\/p>\n
relevant paragraph reads thus:-\n<\/p>\n
                   “It is submitted that one of the conditions
\n            for having availed the House Building Advance
\n            from Railways is that the Mortgagor shall
\n            immediately insure the house at his own cost with
\n            the Life Insurance Corporation of India for a sum
\n            not less than the amount of the advance and shall
\n            keep it so insured against loss or damage by fire,
\n            flood and lightning as provided in the said rules,
\n            till the advance is fully repaid to the Mortgagee
\n            and deposit the policy of insurance with the
\n            Mortgagee……”\n<\/p><\/blockquote>\n
                                     (emphasis supplied)<\/p>\n
W.P.(C) NO.2628 of 2006                 3<\/span><\/p>\n<\/blockquote>\n
       3.    A scanning of Annexure R1 in the light of the statement made<\/p>\n
in para 4 would reveal that the insistence to insure the constructions was<\/p>\n
made only to safeguard the interest of the railways till the repayment of the<\/p>\n
amount availed by way of loan by the mortgagee. Admittedly, in this case,<\/p>\n
prior to his retirement, he had repaid the entire amount due under the loan<\/p>\n
transaction in question and no amount was outstanding as on the date of<\/p>\n
his voluntary retirement. In view of the specific statement as extracted<\/p>\n
above, I find no justification in the action on the part of the respondents in<\/p>\n
demanding Rs.12,250\/- towards penal rent on house building advance vide<\/p>\n
Ext.R1. This has been issued belatedly years after the retirement of the<\/p>\n
petitioner, that too, after the receipt of notice from this Court. It is also<\/p>\n
evident that the employer was not put in jeopardy on account of the action<\/p>\n
of the petitioner in not insuring the construction made by availing the loan<\/p>\n
in question. It could have been a subject matter for disciplinary action<\/p>\n
while he was in service. However, at this distance of time and in view of<\/p>\n
the non-occurance of any monitary loss on account of such inaction on the<\/p>\n
part of the petitioner no action can be brought against him.             The<\/p>\n
respondents are, therefore, bound to return the title deeds deposited by him<\/p>\n
while availing the housing loan sanctioned as per Ext.P1 order dated<\/p>\n
24.1.1989.<\/p><\/blockquote>\n
\n
       4.    In the circumstances, the respondents shall release the title<\/p>\n
W.P.(C) NO.2628 of 2006               4<\/span><\/p>\n
deeds deposited by the petitioner at the time of availing the loan in<\/p>\n
question, to the petitioner expeditiously at any rate, within a period of two<\/p>\n
months from the date of receipt of copy of this judgment.<\/p>\n
      The writ petition is accordingly allowed.\n<\/p>\n
\n
                                               (C.T. RAVIKUMAR)
\n                                                       JUDGE<\/p>\n
spc<\/p>\n","protected":false},"excerpt":{"rendered":"
Kerala High Court Augustine Devassy vs Southern Railway on 24 August, 2009 IN THE HIGH COURT OF KERALA AT ERNAKULAM WP(C).No. 2628 of 2006(K) 1. AUGUSTINE DEVASSY, … Petitioner Vs 1. SOUTHERN RAILWAY, REPRESENTED BY … Respondent 2. DIVISIONAL RAILWAY MANAGER(P), 3. CHIEF PERSONAL OFFICER, 4. CHIEF PROJECT MANAGER, For Petitioner :SRI.SAIGI JACOB PALATTY For […]<\/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":[8,21],"tags":[],"class_list":["post-252019","post","type-post","status-publish","format-standard","hentry","category-high-court","category-kerala-high-court"],"yoast_head":"\nAugustine Devassy vs Southern Railway on 24 August, 2009 - Free Judgements of Supreme Court & 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\/augustine-devassy-vs-southern-railway-on-24-august-2009\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Augustine Devassy vs Southern Railway on 24 August, 2009 - 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