Form No. 3 [See Regulation-15 (aya) / 168) 'T 2) DEBTS RECOVERY TRIBUNAL AHMEDABAD omedabad- 380 006 Srd Floor, Bhikhubhai Chamber, 18 Gandhikunj Socy. Ellisbridge, Exh, No. 04 Oudward no. 972/2023 ‘Case No. ©A/307/2023 f sub-rute 2A) of rule So Summons under sub-section (4) of section 19 of the Act, read wit we the Debt Recovery Tribunal (Procedure) Rules, 199. HDFC BANK VS KRISHNA ELECTRICALS AND ORS To, (1) KRISHNA ELECTRICALS JKOT DHEBAR ROAD $ YOGESHWAR SOCIETY ATIKA INDUSTRIES AREA, RA ,GUJARAT- 360002, (2) MAHESHBHAI NANJIBHAI SHINGALA DHEBAR ROAD 5 YOGESHWAR SOCIETY ATIKA INDUSTRIES AREA RAJKOT ,GUJARA- 360002. YAND SUBAHSH NAGAR MAIN ROAD OPP MOGAL KRIUPA KOTHARIYA ROAD BI/H N HALL RAJKOT, GUIJARAT- 360003, 'TABEN MAHESHBHAI SHINGALA D ‘AHSH NAGAR MAIN ROAD OPP MOGAL KRIUPA KOTHARIYA ROAD B/H NAN! HALL RAJKOT, GUJARAT- 360003. suMMoNS WHEREAS, 0.A/307/2023 was listed before Hon'ble Presiding Officer/Registrar on 12/08/2023. WHEREAS this Hon'ble Tribunal is pleased to issue summons/ notice on the said Application under section 19(4) of the Act, (OA) filed against you for recovery of debts of Rs. 3300254.74/- (application along with copies of documents ete. annexed), In accordance with sub-section (4) of section 19 of the Act, you, the defendants are directed as under:~ 9 To show cause within thity days of the service of summons as to why relief prayed for should not be granted; to disclose particulars of properties or assets ater than properties and assets specified by the applicant under serial number 3A of the original application; (ii) you are restrained from dealing with or disposing of secured assets or such other properties disclosed under serial number 3 of the original application, pending hee disposal of the application for attachment of properties; a (iv) you shall not transfer by way of sale, lease or otherwise, except in the ord ; busines any of the ses over which security intrest is created and or oer ances OS properties specified or disclosed under serial number 3A of the orisi care prior approval of the Tribunal; original application without theAT AHMEDABAD IN THE HON'BLE DEBTS RECOVERY ‘TRIBUNAL-II 2022 ORIGINAL APPLICATION NO- OF APPLICANT : HDFC BANK LIMITED Versus DEFENDANTS): KRISHNA ELECTRICALS && ORS. APPLICATION UNDER SECTION 19 ie RECOVERY OF DEBTS AND BANKRUPTCY ACT, 1999- Date of Filing : __.09.2022 Date of Receipt Registration No. Signature of the Registrar Suit Claim Amount ® Rs.33,00,254.74p Interest Rate Claimed : @10.00% p.a.; and @ 8.25% p.a. Details of payment of Application fees = Pay Order Number 5 9425160 — dateddt.04.2022 Demand Draft Amount : Rs. 36,000/-io IN THE HON'BLE DEBTS RECOVERY TRIBUNAL-II AT AHMEDABAD ORIGINAL APPLICATION NO. OF 2022 APPLICANT : HDFC BANK LIMITED Versus DEFENDANTS, : KRISHNA ELECTRICALS & ORS. INDEX Documents attached to the Application Place: AHMEDABAD Date: __.09.2022 Phone : 26442164 98250 07052 (M)ae | \N THE HON'BLE DEBTS RECOVERY TRIBUNAL-II AT AHMEDABAD ORIGINAL APPLICATION NO. OF 2022 MOFC BANK LIMITED, a Banking Company Guorporated under the provisions of Indian Companies Act and holding a license of Banking from Reserve Bank of India and having its Bastered office at “HDFC Bank House”, Senapati Bapat Marg, Lower Parel, Mumbai ~ 400 013, and having one of its Branch offices at 3" Floor, Shivalik, — Nr, Drive-in-Cinema, _ Bodakdev, Ahmedabad and also at Rajkot soo APPLICANT Versus. KRISHNA ELECTRICALS A Proprietorship Firm Represented by and through it’s Proprietor MAHESHBHAI NANJIBHAI SHINGALA DHEBAR ROAD, 5, YOGESHWAR SOCIETY, ATIKA INDURSTRIES AREA, RAJKOT - 360002 MAHESHBHAI NANJIBHAI SHINGALA Adult; Occu; Self Employed DHEBAR ROAD, 5, YOGESHWAR SOCIETY, ATIKA INDURSTRIES AREA, RAJKOT - 360002 AND ALSO AT, SUBAHSH NAGAR MAINROAD, OPP. MOGAL KRUPA, KOTHARIYA ROAD, B/H NAND HALL, RAJKOT - 360003 GITABEN MAHESHBHAI SHINGALA Adult; Occu; Self Employed SUBAHSH NAGAR MAIN ROAD, OPP. MOGAL KRUPA, KOTHARIYA ROAD, B/H NAND HALL, RAJKOT - 360003 ---DEFENDANTS AFPLICATION UNDER SECTION 19 OF RECOVERY OF DEBTS AND ACT, 1993, ‘The Applicant, above named, most respectfully applies as under; ETAILS OF 4. PARTICULARS OF THE APPLICANT; i. Name of the Applicant HDFC Bank Limitedii, Address of Registered Office “HDFC Bank House”, Senapiti Bapat Marg, Lower Parel, Mumbai - 400 013. iii. Address for service of all Notice Hore bate Lanten ank Limite 3" Floor, Prerna Arcade, Opp. Doctor House, Nr. Parimal Garden, Ambawadi, Ahmedabad-380009. thos: : - ‘¢ Applicant Bank is a Banking Company incorporated under the rovis' i 7 : ope of Indian Companies Act and holding a license of Banking rom oe "serve Bank of India and having its registered office at “HDFC ae House”, Senatpati Bapat Marg, Lower Parel-West, Mumbai-400 13. i i The Applicant is also a Bank as defined under Section 2(d) of the provisions of Recovery of Debts and Bankruptcy Act, 1993. PARTICULARS OF THE DEFENDANTS; i. Name of the Defendants As mentioned in cause title ii, Office /Residence Addresses of the Defendants As mentioned in cause title Addresses for Services of all notices e As mentioned in cause title JURISDICTION OF THE TRIBUNAL; ‘The Applicant declares that the subject matter of the recovery of debt due falls within the jurisdiction of this Tribunal as per the provisions of Rule-6(b) of the Recovery of Debts and Bankruptcy Act, 1993 and since the transactions under the Secured Loan against property Facility have taken place at the Applicant Bank at one of its Branch at Surat in the State of Gujarat within the territorial jurisdiction of the Hon'ble Tribunal and as the claim involved is more than Rs.20.00 Lacs, the Hon'ble Tribunal has jurisdiction to try and dispose off the Application. Therefore, as per rule-6(d), this Hon'ble Tribunal is having the jurisdiction to entertain this Application.3-A DETAILS OF DEBT AND ASSETS. (i) Total amount of debt| claimed as on the date to be specified Rs. 33,00,254.74p (Rupecs Thirty | ‘Three Lacs Two Hundred Fifty Four and Seventy Four Paisa only) due as on 22.08.2022 (i) Amount of debt, as on | specified date, secured by security interest over Properties or assets of the Defendant with particulars of secured properties and assets. Rs. 33,00,254.74p (Rupees Thirty ‘Three Lacs Two Hundred Fifty Four and Seventy Four Paisa only) due as on 22.08.2022 is secured with future interest and charges etc. by equitable mortgage of the property more particularly mentioned in Schedule A herein below. (ii) Estimated value of properties or assets over which security interest is created. | (iv) If estimated value is not adequate to cover the total debt claimed with future interest particulars ‘of any other properties or known to the Bank assets Applicant with estimated value of such other properties or assets. ‘Aggregate value of property is Rs. 37,38,000/- as per the valuation report dated 18.01.2020 annexed with the List attached to Application |Value of the secured asset is total debt claimed with future interest. sufficient to cover the [Amount of unsecured debt on portion of debt not covered by estimated value of personal properties and other properties Not Applicable. However, the applicant prays for injunction on the personal property described in Schedule - B or any other personal properties to be disclosed by the Defendants, at later stage if security is lost.5. So 5.2 LIMITATION; ation is within the Applicant further submi in Section 24 of the The ts that the Applic limitation prescribed it Recovery of Debts and Bankruptcy Act, 1993. anctioned the The Applicant submits that the Applicant Bank si ants in January, 2020. Secured Loan against Property to the Defend: ‘Thereafter the Applicant bank granted additional Loan under ECLG Scheme in September, 2020. The security Documents were executed by the Defendants in favour of the Applicant Bank for repayment of the said Facility along with all interest and other costs, charges and The Defendants have made part payments towards tanding amount during the period of three as reflected in the expenses. repayment of the outst ing of the present Application the Applicant bank is maintaining issued for years preceding to fl statement of account. That running accounts of the Defendants and cheques payment of instalments are bounced as reflected on statement of accounts and therefore the Account was classified as Non Performing Asset (NPA) on 06.08.2021 and then Loan Recall Notice was issued on 23.08.2022 within period of limitation calling upon them to pay the outstanding amount due under its account and hence, the Application is within the prescribed period of limitation. the loan is secured by mortgage and hence period of Further, limitation for filing the suit is 12 years as per the Limitation Act. FACTS OF THE CASE; facility in ts were in need of working capital for their business and ‘lity approached the That the Defendant nature of Loan Against Property (LAP) g said Loan Faci ch and requested for the said Loan formed about the terms and being desirous of availin; Applicant bank at its Rajkot Brant Facility. That the Defendants were in! conditions of the said Loan under the Loan being made aware of the same, the Defendants expressed their desire to avail the said Loan Facility from the Applicant Bank. Agreement and after ‘That on the basis of the necessary details, papers, and declarations made by the Defendants, the Applicant sanctioned Loan Against5.5 Commercial Property of Rs. 24,90,000/- to the Defendants, details of which are described hereunder, as per the terms and conditions agreed upon by and between the Defendants under sanction letter «lated 21.01.2020 and other requisite security documents and the existing Limit is as under; Nature of Facility Amount Rs. LOAN AGAINST PROPERTY A/c No. 29,90,000/- 84332627 . Total 24,90,000/- The Applicant Bank further submits that in consideration of granting and availing the aforesaid Secured Loan Against Commercial Property Facility, the Defendants have executed Agreement/Documents time to time for valuable consideration in favour of the Applicant Bank enumerated inter-alia as under; a. Application form dated 17.01.2020; b. Sanction letter of Loan Against Property dated 21.01.2020 along with terms and conditions; Loan Agreement along with Schedule-Cum-key fact Statement dated 27.01.2020; That the Defendants entered into Loan Agreement on 27.01.2020 which stipulates the terms and conditions of,the said Secured Loan Facility and accordingly the Defendants were required to repay the amount of the said Secured Loan Facility within a stipulated time as per the terms of the said Loan Agreement and were also strictly required to comply with the terms and conditions of the sanction letter and the said Agreement and other documents executed for availing the said Secured Loan Facility and for repayment of the said Facility along with all interest and other costs, charges and expenses. ‘The applicant bank further submits that Defendant no. 2 & 3. stood as Co-Applicants and also signed the security Documents i.e. Loan Agreement dated 27.01.2020 to secure the said Loan Against Property granted to the Defendants. Therefore, all the Defendants are jointly and severally liable to pay the dues to the applicant bank.5.6 Sy 6 Phat in addition to the aforesaid documents, ments, the Defend, ants have 4 hen e. ‘pon by the Applicant bank. The applicant bank further « a ‘ubmits vuted several other documents time to time as and wi hat for securing the said Loan facility sanctioned to Defendant Defendants have mortgaged their im-movable eee the described in the Sehedule-A hereunder for security of repayment oe the said Loan Facility and crated Equitable Mortgage by way " deposit of original title deeds of the said properties and oth er documents and titles and thus, the Defendants herein are the “borrowers” within the meaning of Sec. 2 (1) (f) of the Act and the subject property as mentioned hereinabove is the ‘secured asset” within the meaning of Sec. 2 (1) (zc) of the Act and the Applicant Bank crave leave to produce the original titles deeds in the vernacular language at the time of leading evidence. The Applicant further submits that under the terms of the sanction and security documents, the Defendants agreed to repay the aforesaid Credit Facility along with HDFC Bank Base MCLR Rate + 1.85% prevailing on each day that such Facility remain outstanding. ‘That as on date of sanction the applicable rate of interest was @ 10.00% per annum, more particularly described in the Sanction Letter dated 21.01.2020 and thereafter the applicable rate of interest was applied time to time as reflected in the statement of accounts. That the Applicant Bank submits that an Emergency Credit Line Guarantee Scheme (“ECLGS’) was unveiled as a part of the comprehensive package announced by the Government of India, on 13-05-2020, to aid eligible Business Enterprises / Micro, Small and Medium Enterprises (MSMEs) sector in view of the economic distress caused by the COVID-19 pandemic. Subsequent to the same and at the request of Defendant No. 1, the Applicant Bank had lent and advanced WCTL by way of Guaranteed cy Credit Line (GECL) under the said special scheme of Ministry of Finance, Emergen ECLGS under the Sanction Letter dated 15.09.2020. The terms of the said sanction letter has been agreed and acknowledged by the Defendant No. 1 who has appended his signature on the said sanction letter.Type of Loan &Loan Agreement No. WCTL ‘by way of Cuaranteed” Emergency | Credit Line (GECL) under ECLGS Account No, 8760288 ‘The financial facilities mentioned hereinabove and granted under the ECLGS to the Defendant by the Applicant Bank is to be referred ‘as Loan (Il) hereinafter. © The Applicant states that the Defendant has executed the following Security documents for the purpose of securing the aforementioned Snancial facilities sanctioned by the Applicant Bank under Loan II: @ Sanction Letter ~ Guaranteed Emergency Credit Line dated 15.09.2020; (i) Facility cum Hypothecation Agreement along with Schedule- Cum-Key Fact statement dated 24.09.2020; Gi) Declaration Cum Undertaking dated 24.09.2020 (iv) Undertaking by the Borrower dated 15.09.2020; That under the terms of the sanction and security documents, the Defendant agreed to repay the aforesaid Loan Il facil contractual rate of interest @ 8.25% per annum, described in the Sanction Letter and Facility Agreement. 5.10 The Applicant Bank submits that the Financial Facilities granted to the Defendant under Loan (II) was lent and advanced under the special scheme of ECLGS as announced by the Ministry of Finance, Government of India with the 100% guarantee backed from the National Credit Guarantee Trustee Company (NCGTC) to the Applicant Bank. However, even if the Financial Facilities is 100% guarantee backed from the NCGTC, it is still due and recoverable from Defendant and is to be compensated to the NCGTC from the amounts to be recovered from the Defendant. The Applicant Bank, after adjusting such recoveries towards default amount relating to the Loan (1) & (11) and the legal costs incurred for recovery of the due amounts, shall thereafter remit to NCGTC the balance recoveries. yS11 The Applicant Bank submits that the Defendants have availed and utilised the said Secured Loan Facility as stated in the statement of accounts. That the Applicant Bank submits that after availing of the aforesaid Facility, the Defendants failed and neglected to repay the outstanding amount as per the terms and conditions agreed upon by the Defendants and the conduct of the account of the Defendants with the Applicant Bank become unsatisfactory. That inspite of several repeated reminders for payment of the outstanding amount, the Defendants failed and neglected to clear the outstanding neglected to regularize th and account. That the Applicant Bank therefore issued a Loan Recall Notice dated 23.08.2 Defendants and called 022 upon the upon to pay an amount of Rs. $3,00,254.74p remaining outstanding in the account of the Defendants as on 22.08.2022 within 14 days. Defendants have neither paid the However, the said amount nor respond to the said notice and therefore the Applicant Bank is compelled to file the present Application. Th: at as per the statement of the accounts of the Applicant Bank an amount of Rs, 33,00,254.74p is remaining outstanding hereunder; ‘Particulars due and to be recovered from the Defendants as stated ‘Amount Rs. ‘Amount due as per the statement of accounts of Loan Against Property Account no. 84332627 as on 26,93,617.74 22.08.2022 WCTL by way of Guaranteed Emergency Credit Line (GECL) under ECLGS 6,06,637.00 Account No. 8760288 as on 22.08.2022; [Teta 33,00,254.74 | 5.12 The Applicant Bank says that the Defendants are also liable to pay | further accrued interest on the aforesaid amount at the contractual rate of interest till full realization and cost to the Applicant Bank and the current rate for (i) Loan Against Property Account No. 84332627 is 10.00 % p.a. (ii) Guaranteed Emergency Credit Line (GECL) under ECLGS Account No. 8760288 is 8.25 % Pp.a- ‘The Applicant Bank is entitled to get decree of the above said sum against the Defendants as per the Statement of Account along withhe caleulation « u lation terest not debited in the account of the Defendants d curtifies ints duly crtified under the Banker's Books Evidence Act, 1891 which is filed herewith and the same be treated as part of this Application, i i a jurisdiction of this Hon'ble Tribunal when the Sanctioned the Loan Against Property Facility in the year 2020 and when the Defendants executed the sec urity documents for repayment of the said Facility granted to the Defendants and when the Defendants availed the said Facility from the Applicant Bank and when the Defendants made some part Payments as reflected in the statement of account but committed breach of the terms of sanction and failed to repay the amount due under the Secured Loan Facility account as per schedule and when the Account of the Defendants was classified as Non-Performing ‘Asset on 06.08.2021 and when the Applicant Bank called upon the Defendants to pay the outstanding amount and when the Applicant bank issued Loan Recall Notice upon the Defendants on 23.08.2022 and called upon the Defendants to pay the outstanding amount but the Defendants failed to pay the amount called for and as such the cause of action is still continuing, 6. RELIEFS SOUGHT: a aI = In view of the facts and circumstances mentioned in para S- of this Application, the Applicant bank most respectfully and humbly prays for the following relief; Main Relief: ‘this Hon'ble Tribunal be pleased to pass a Judgment for an amount of Re, 33,00,284.74p (Rupsce ‘Thirty Three Lacs Two Hundred Fifty Four and Seventy Four Paisa only) against the Defendants jointly and severally and in favour of the Applicant together with future interest @ 10.00% per annum for Loan amines Property ant @ 2.25% pet ans for WCTL granted winder BCLS schemes with monthly rests in respect of vienna in ee woe Fach Accounts from 23.08. sg, recoverable and Tealzable by the slp é ad propertion. of the, datallaa and described a.10 d from the other i), _ a hereunder an ny cena ‘ detailed and describe . written and as may be found op r To issue a Recovery Certificate for the amount claimed under the Statement of Claim (Prayer “a” above): « ‘That it be declared that the dues of Applicant as set out in prayer clauses 6(A) above are fully secured by @ valid and subsisting and have a first and exclusive charge in respect of immovable properties of Defendants, more particularly described in Schedule A herein; 4. That the immovable and movable properties described in the Schedule A hereto, be sold by and pursuant to the orders ‘and directions of this Hon'ble Tribunal and the net sale proceeds thereof be ordered to be paid over to the Applicant towards satisfaction of its claim in the Original Application. The Defendants be permanently restrained from transferring, alienating, mortgaging or parting with possession of their ibe §mmovable properties described in Schedule-A hereunder & Direct the Defendants to pay to the Applicant the cc application, Advocates fees other incidental expenses incurred by the Applicant for typing, Xeroxing and stationary charges etc. as provided under Order XX-A of the Civil Procedure Code. Such other and further reliefs which this Hon'ble Tribunal may deem fit and proper under the circumstances of the case be also granted to the Applicant. 7. INTERIM RELIEF; ‘The je Applicant Bank submits that the Defendants are liable to pay gt Saree Loan Against Property Facility granted request by the Applicant Bank to thei Defendanis . It is apprehended that during the pend:ncy of the Application, the Defendants might do away with their properties and substantial remedy of the Applicant would be lost and if they Succeed in their doing so, the Applicant Bank will become remediless and the Present application will become in fructuous and it will be very difficult for the Applicant to recover the outstanding from the defaulting Defendants. It is quite likely that during the pendency of the Application, the Defendants might also do away with their properties and in such an event; the Applicant will not be able to recover its entire dues. In order to ensure that adequate securities are available with the Applicant Bank to realize the dues by attachment and sale of the Properties belonging to the Defendants, it is required that the Defendant be directed to disclose on oath the movable and immovable properties belonging to them and the interim relief by way of injunction be granted against the said properties of the Defendants. It is therefore in the interest of justice to protect the interest of the Bank during the pendency of the Application and final hearing by granting interim relief by way of injunction in respect of the movable and immovable properties belonging to the Defendants be disclosed. The Applicant Bank has strong prima facie case and the balance of convenience is also in favour of the Applicant Bank rather than the Defendants because the Applicant bank has to recover huge dues from the Defendants. Moreover, the dues in question is public money. If the interim reliefs prayed hereunder are not granted, the Applicant Bank is likely to suffer irreparable loss which can not be compensated in terms of money. It is therefore most humbly prayed as under; (A) The Defendants be restrained from transferring, alienating, letting, disposing-off, creating any charge or third party rights, title, interest or claim etc. in any manner whatsoever over the Mortgaged immovable Properties described in SCHEDULE-A and from the other Personal Properties of the Defendants detailed and described in SCHEDULE -B hereunder written2 and as may be found or disclosed by the Defendants withous prior approval of this Hon’ble Tribunal. (B) The Defendants be directed to disclose on oath all their movable and immovable properties including shares, securities, fixed deposits, Bank Accounts insurance policies, vehicles , jewellery, alogwith income tax and wealth tax returns within a stipulated time from the date of service of the order of this Hon'ble Tribunal and upon failure to declare the same, appropriate order be passed as per provisions of Section 19 (5) (iii) of The Recovery of Debts and Bankruptcy Act 1993. {C) The Defendants be directed to furnish security to the satisfaction of this Hon'ble Tribunal for an amount of about Rs.33,00,254.74p within one week from the date of service of the order of this Hon'ble Tribunal, failing which, the Defendants be directed to deposit the said amount in this Hon'ble Tribunal within a period of one week from the date of service of order of this Hon'ble Tribunal in this regard. ‘the hearing and final disposal of this— comprehensive Affidavit disclosing details of all their other assets along with documentary evidence including, inter-alia the following particulars and to grant attachment before judgment of the said assets: a List of all bank accounts with copies of the same for the last 3 years; . b. List of all their other movable and immovable properties along with copies of the title deeds and to order before judgment thereof belonging to the “Defendants be directed to file aa {Present means of livelihood along wit) relevant documentary; (©) This Hon'ble Tribunal may be pleased to restrain the Defendants from leaving India without the permission of this Hon'ble Tribunal and be further pleased to order to deposit Passport of the Defendants before the Registrar, Debts Recovery Tribunal, Ahmedabad. (F) This Hon'ble Tribunal be pleased to pass such other and further orders, in interest of justice. 8. | MATTERS NOT PENDING WITH ANY OTHER COURT ETC ‘The Applicant further declares that the matter regarding which this application has been made is not pending before any court of Law or any other authority or any other Bench of the Tribunal. 9. PARTICULARS OF THE BANK DRAFT IN RESPECT OF THE . APPLICATION FEE : i) Name ofthe Bank : HDFC Bank Limited. Ahmedabad ii) DD/P.ONumber =: 495160 dated 01.07.2022 ii) DD / P.O Amount : Total Rs.36,000/- ‘ " on claim of Rs. 33,00,254.74p nes i . ‘DETAILS OF INDEX : a ‘An Index in duplicate containing the details of the do relied upon is enclosed. LIST OF ENCLOSURES: Memo of Application and copies of documents de:\ ee renter 14 VERIFICATION |, PIYUSH J SONEJI, Authorised Person of the HDFC Bank Limited, the Applicant Bank, do hereby veri y that the contents of Para No. | tg 1 are true to my persona! knowledge and belief and that I have not suppressed any material fact Place: Ahmedabad Date: ___.09.2022 "APPLICANT SCHEDULE-A DI [ON OF MORTGAGED IM-MOVABLE PROPERTIES OF THE DEFENDANTS 1. ALL THAT PIECE AND PARCELS OF THE IMMOVABLE ‘COMMERCIAL AT CSW NO. 10/2, CS NO. 70, RS NO. 304 PAIKI TPS NO. 11, FP NO. 4 PAIKI PLOT NO. 7 PAIKI » BLOCK NO.C , SOUTH SIDE PART , SUBHASH NAGAR, RAJKOT BOUNDED AS UNDER ; EAST : ROAD WEST : PLOTS PAIKI OTHERS PROPERTY NORTH : OTHERS PROPERTY SOUTH : BLOCK NO. B / OTHERS PROPERTY SCHEDULE - B OF VABLE PRO) OF THE DEFENDANTS; 1. ALL THAT RIGHT TITLE AND INTEREST IN THE PIECE AND PARCELS OF the immovable property being situated at DHEBAR ROAD, 5 YOGESHWAR SOCIETY, ATIKA INDURSTRIES AREA, RAJKOT - 36000215 IN THE HON'BLE DEBTS RECOVERY TRIBUNAL-II AT AHMEDABAD ORIGINAL APPLICATION NO. OF 2022 APPLICANT : HDFC BANK LIMITED Versus. DEFENDANTS, KRISHNA ELECTRICALS & ORS. AFFIDAVIT 1, PIYUSH J. SONEJI, Hindu, Adult, Resident of Ahmedabad, Occupation; Service as Manager with of HDFC bank Limited, do hereby solemnly affirm and declare on oath that what is stated in the Application is true and correct to the best of my knowledge, information and belief as gathered from the records of the Bank and I believe the same to be true and correct. Solemnly affirmed at Ahmedabad on _ day of September, 2022. . APPLICANT Identified by me16 IN THE HON'BLE DEBTS RECOVERY TRIBUNAL-II AT AHMEDA3AD APPLICANT DEFENDANTS ORIGINAL APPLICATION NO. OF 2022 HDFC BANK LIMITED Versus KRISHNA ELECTRICALS & ORS. VAKALATNAMA 1/We the undersigned, do hereby appoint and retain Mr. Lalit M. Patel, Advocate, to act, appear, plead for me/us in the above matter in all proceeding/s that may be taken in respect of any application connected, therewith and to deposit and receive money on my/our behalf in the said matter and to TuPromise, settle and / or withdraw the said matter or any Proceedings arising therein, to represent me/us and to take all necessary Steps on my/our behalf in the above matter. I / We agree to ratify all act/s done by my abovenamed advocate in pursuance of this authority / vakalatnama, In witness whereof I/ We have set my / our hand/s to this writing on this day of September, 2022 For HDFC BANK LTD. Signature/s Authoriszed Person IDENTIFIED AND ACCEPTED LALIT M. PATEL Advocate Advocate Sanad / Code No. G/421/1989 Office : LALIT M. PATEL 401, “Shaival Plaza’, Nr. Gujarat College Inder-residency-Parimal Garden Road Ellisbridge, Ahmedabad - 380 006 Phone ; 26442164 (0) 98250 07052 (m) Court Fees of Rs. 5/- paid by Bharatkosh ‘TRF No.