BEFORE THE DEBTS RECOVERY TRIBUNAL AT MADURAI

S.A.No. of 2024

Mrs.N.Shanthi,
W/ o. Mr.I.Saravanan,
Flat No.3, Ground Floor,
"Vignesh Anchitha"
Veereshwaram Kalmethu Street,
Srirangam, Trichy - 620 006 ....Applicant
-Vs-
The Authorized Officer,
Indian Bank,
Trichy Main Branch,
No.128, Big Bazaar Street,
Tiruchirappalli - 620008
And Another ... Defendants

APPLICATION UNDER SUB SECTION (1) OF SECTION 17 OF THE

SECURITISATION AND RECONSTRUCTION OF FINANCIAL ASSETS
AND ENFORCEMENT OF SECURITY INTEREST ACT, 2002

M/s. VASTLAW ASSOCIATES

S.PAVALAMEENA
COUNSEL FOR APPLICANT
No. 30, Sarojini Street, Chinna Chokkikulam, Madurai-625 002

Chamber Nos. 78 & 84, Lawyer's Chamber, Madurai bench of Madras High Court, Madurai - 625
023 Ph: 0452-2521253 Email:- vastlaw@:gmaiLcom, website:
www.vastlawassociate.com
 APPLICATION UNDER SUB SECTION (1) OF SECTION 17 OF THE

SECURITISATION AND RECONSTRUCTION OF FINANCIAL ASSETS

AND ENFORCEMENT OF SECURITY INTEREST ACT, 2002.

For use in Office

Date of Filing

Date of receipt by post

Registration No.

Signature

Registrar
 BEFORE THE DEBTS RECOVERY TRIBUNAL AT MADURAI
S.A. No. of2024

In the matter of
Mrs.N.Shanthi ... Applicant
-Vs-
The Authorized Officer,
Indian Bank
And Another ... Defendants

INDEX

SI.
Particulars Page no.
No.

Part-A

1. List of Dates & Events A

Memorandum of Application under section 17 of

2. Securitization And Reconstruction of Financial Assets And 1-8

Enforcement of Security Interest Act, 2002.

Part-B

1. Details of Document with Annexure Marked 9-.lo

Part-C

1. Vakalatnama �1
2. Service Reports

Dated at Madurai on this the 10th day of June,

2024.
For VASTLAW ASSOCIATES

PARTNER

COUNSEL FOR APPLICANT

 BEFORE THE DEBTS RECOVERY TRIBUNAL AT MADURAI
S.A. No. of2024

In the matter of
Mrs.N.Shanthi ... Applicant
-Vs-
The Authorized Officer,
Indian Bank
And Another ... Defendants

DATES AND EVENTS

SI.
Date Events
No.
The 2n° defendant bank sanctioned Indian Bank house loan
1. 2017 facilities for a sum of Rs.15.32 Lakhs and Indian bank
home loan plus facility for a sum Rs.19.50 Lakhs in 2017.
The defendant bank classified the l st applicant's loan
2. -
account as Non Performing Asset (NPA).
The 1st defendant issued a demand notice u/s.13(2) of the
3. 12.05.2023
Act, demanding a sum ofRs.36,78,149/-
The 1st defendant issued a Possession Notice and took
4. 12.12.2023 symbolic possession of the property u/s.13(4) of the Act in
a hasty manner.
The 1st defendant issued a Sale Notice dated 28.02.2024
5. 28.02.2024
fixing the Auction Sale on 30.03.2024.
Aggrieved by the above Sale Notice the Applicant
6. 22.03.2024
preferred S.A.No.229/2024 before this Hon'ble Tribunal.
This Hon'ble Tribunal granted interim stay subject to
7. 26.03.2024 payment of Rs.19 Lakhs in two installments. But the
applicant failed to comply the same
The 1st defendant has now issued another Sale Notice dated
8. 24.05.2024
24.05.2024 fixing the Auction Sale on 12.06.2024.
Aggrieved by the above Sale Notice the Applicant prefer
9. 10.06.2024
the above application before this Hon'ble Tribunal.

For VASTLAW ASSOCIATES

Dated at Madurai on this the 10th day of June,
2024

PARTNER
COUNSEL FOR APPLICANT
 1

BEFORE THE DEBTS RECOVERY TRIBUNAL AT

MADURAI S.A.No. of 2024

Mrs.N.Shanthi,
W/o. Mr.I.Saravanan,
Flat No.3, Ground Floor,
"Vignesh Anchitha"
Veereshwaram Kalmethu Street,
Srirangam, Trichy - 620 006 ... Applicant
-Vs-
1. The Authorized
Officer, Indian Bank,
Trichy Main Branch,
No.128, Big Bazaar Street,
Tiruchirappalli - 620008

2. Indian Bank,
Rep. by its Branch Manager,
Trichy Main Branch,
No.128, Big Bazaar Street,
Tiruchirappalli - 620008 ... Defendants
DETAILS OF THE APPLICATION:
1. PARTICULARS OF THE APPLICANT:

Mrs.N.Shanthi
W/o. Mr.I.Saravanan
Flat No.3, Ground
Floor, "Vignesh
Anchitha"
Veereshwaram Kalmethu Street
Srirangam, Trichy - 620 006

ADDRESSES FOR SERVICE OF ALL NOTICES AND SUMMONS:

Mis. VASTLA W ASSOCIATES
S.PAVALAMEENA
Advocates,
No. 30, Sarojini
Street, Chinna
Chokkikulam,
Madurai- 625 002.
 2

II. PARTICULARS OF THE DEFENDANTS:

1. The Authorized Officer,
Indian Bank,
Trichy Main Branch,
No.128, Big Bazaar Street,
Tiruchirappalli - 620008

2. , Indian Bank,
Rep. by its Branch Manager,
Trichy Main Branch,
No.128, Big Bazaar Street,
Tiruchirappalli - 620008
III. JURISDICTION OF THE TRIBUNAL:

The Applicant declares that the subject matter of the application pertains to the

property which is situated at Trichy District within the jurisdiction of this Hon'ble

Tribunal. Therefore the Applicant declares that the subject matter of the application

falls within the jurisdiction of this Hon'ble Tribunal as per section 17(1) of the

Securitization & Reconstruction of Financial Assets and Enforcement of Security

Interest Act, 2002.

IV. LIMITATION:

It is submitted that the impugned E-Auction Sale Notice is dated 24.05.2024 .

and issued by the 1st defendant. Therefore, the applicant further declares that the

application is filed within the limitation prescribed in sub section (1) of Section 17 of

Securitization & Reconstruction of Financial Assets and Enforcement of Security

Interest Act, 2002.

V. FACTS OF THE CASE:

1. It is submitted that the applicant and her husband Mr.I.Saravanan are retired

BSNL staff. The applicant and her husband with the desire to construct their

own house approached the 2nd defendant bank and requested to provide credit

facilities. The 2nd defendant bank sanctioned indian bank house loan facilities

for a sum ofRs.15.32 Lakhs and Indian bank home loan plus facility for a sum

Rs.19.50 Lakhs in 2017.

\
 3

2. For the above loan transactions the applicant and her husband stood as

guarantors for the due repayment of the loan. The schedule mentioned

property belonging to the applicant was offered as collateral security for the

above loan transactions. The defendants at the time of sanction obtained·

signatures from the applicant and her husband in prefilled forms and blank

papers and the applicant and her husband have been kept in dark for what

purpose the same have been used for.

3. It is submitted that the applicant and her husband was very prompt in repaying

the loan amount. But due to heavy financial problems and reasons beyond

their control and due to the effect of Covid-19 pandemic the applicant and her

husband incurred heavy financial problems and hence they could not repay the

loan amount properly and hence the repayment was little bit irregular. The 2 nd

defendant wrongly classified the applicant's loan accounts as Non Performing

Asset (NPA) without following the RBI guidelines and proceeded under

SARFAESI Act.

4. It is submitted that thereafter the 1st defendant claime/d that they have issued a

demand notice dated 12.05.2023 demanding a sum ofRs.36,78,149/- u/s.13(2)

of Act. The defendants are put to strict proof of service of demand notice to

the applicant and the guarantor.

5. It is submitted that the 1st defendant went on further and affixed a Possession

Notice dated 12.12.2023 and took symbolic possession of the schedule

property u/s.13(4) of the Act in a hasty manner.

6. It is submitted that the 1st defendant issued a Sale Notice dated 28.02.2024

fixing the Auction Sale on 30.03.2024. Hence the Applicant preferred an

application before this Hon'ble Tribunal in S.A.No.229/2024. This Hon;ble

Tribunal by its Order dated 26.03.2024 was pleased to grant interim stay

subject to payment of Rs.19 Lakhs in two installments. But unfortunately due

to heavy medical expenditure for the applicant and her husband, the applicant

could not comply the conditional order imposed by this Hon'ble Tribunal.

'
 4

Hence the 1st defendant issued yet another sale notice dated 24.05.2024 fixing

the E Auction sale on 12.06.2024. Hence the applicant prefers the present

SARPAESI Application under Section 17(1) of the SARPAESI Act,

challenging the Sale Notice dated 24.05.2024 before this Hon'ble Tribunal for

the following and among other grounds.

GROUNDS OF APPLICATION

1. The impugned Sale Notice dated 24.05.2024 and the entire measures initiated

under the SARPAESI Act by the 1 st Defendant are arbitrary, illegal, and

against the provisions of SARPAESI Act and Security (Enforcement) Interest

Rules.

2. It is submitted that the defendants failed to follow the procedures

contemplated in the Securitization and Reconstruction of the Financial Assets

and Enforcement of Security Interest Act, 2002 and security interest rules.

3. The defendants wrongly classified the applicant's account as Non Performing

Asset (NPA). The defendants have not followed the Reserve Bank of India

guidelines while classifying the account as NPA without affording opportunity

to regularize the account.

4. The 1st defendant is put to strict proof of service of demand notice to all the

parties concerned. The applicant and her husband was not served with the

demand notice as claimed by the bank in their possession notice.

5. The defendants failed to publish the possession notice in two leading

newspapers having vide circulations within the statutory period and failed to

serve the same to all the parties concerned and failed to serve the possession

notice through electronic modes to all the parties concerned. Further the

person who has issued the possession notice is not an Authorized Officer as

contemplated under the Act.

.
6. The defendants at the time of sanction obtained signatures from the applicant

and her husband in various prefilled forms and blank papers and the applicant

and her husband were kept in dark all these days for what purpose it would be
 5

used for. Therefore the applicant doubt that the above signed documents

would have been misused by the bank.

7. The 1st defendant failed to serve 30 days of sale notice to the applicant and all

parties concerned. Further the 1st defendant failed to affix the sale notice in the

outer side of the schedule property and failed to publish the same in two

leading newspapers and failed to update the sale notice and the terms and

conditions of the sale in the bank's official website as per the rules. Further the

person who has issued the sale notice is not an authorized officer as.

contemplated under the Act.

8. The defendants have classified the account as NPA, issued demand notice,

possession notice and sale notice without considering the global problem,

impact and the loss caused by the spread of Covid-19 pandemic and the

continuous lock down throughout the country announced by the Government

authorities and the various circulars issued by Reserve Bank of India and

Ministry of Finance regarding classification of NPA during the time of

pandemic.

9. The Defendants have undervalued the properties and brought the same for sale

which is against principles of natural justice. The 1st defendant before bringing

the properties for sale should obtain fresh valuation as per the rules and the

said valuation should be the best price in order to fetch higher price. But in the

present case the 1st defendant failed to obtain fresh valuation and failed to fix

best reserve price. Therefore the bank has committed under valuation.

10. The bank has committed excess execution by bringing the entire property for

sale for recovery of a lesser amount.

11. The Applicant further alleges that the defendant bank has not furnished the

complete statement of accounts as the details of certain credits to the account

are not reflected. Hence the Defendant bank has to be directed to produce/

furnish a complete statement of accounts.

 6

12. The Applicant submits that the Defendants have failed to register the alleged

transactions registered with the Central Registry as per section 20 of the

SARFAESI Act.

13. In the schedule property tenants are residing and hence their interest has to be

protected by this Hon'ble Tribunal.

14. The defendants has charged excessive rate of interest than the agreed _rate of ,,

interest. The defendants have charged interest to the loan account during the

time of moratorium announced by Ministry of Finance. Further they have

charged penal interest which they are not entitled.

15. It is submitted that the authorized officer is a quasi judicial authority under the

Act and hence the authorized officer must be from some other branch and not

from the same branch having the loan account. The authorized officer has

been vested with enormous powers under the SARFAESI Act and hence he

must take due care and follow all the procedures contemplated under the Act

while proceeding against the properties of the borrower and guarantor.

16. The Applicant reserves her right to raise any additional grounds, if they come

across during the pendency of the application.

VI. RELIEF SOUGHT FOR

In view of the facts mentioned m V the Applicant prays that this
Hon'ble Tribunal may be pleased to
i) To call for the records pertaining to the initiation of proceedings under the

Securitization and Reconstruction of the Financial Assets and Enforcement

of Security Interest Act, 2002 ending up with issued Sale Notice dated

24.05.2024 against the applicant and the schedule of property on the file of

the defendants and quash the same.

ii) To regularize the loan account of the applicant.

iii) To pay the costs of the proceedings.

iv) To pass such further or other orders that may deem fit and proper in the

nature and circumstances of the case.

 7

VII. INTERIM RELIEF/ORDER

Pending final decision on the SARFAESI Application pending before this

Hon'ble Tribunal the Applicant prays that this Hon'ble Tribunal may be pleased to

stay all further proceedings pursuant to initiation of proceedings under the

Securitization and Reconstruction of the Financial Assets and Enforcement of Security

Interest Act, 2002 ending up with issued Sale Notice dated 24.05.2024 on the file of

the defendant Bank and thus render justice.

VIII. MATTER NOT PENDING WITH ANY OTHER COURT ETC.,

The Applicant submits that the matter regarding which this Application has

been preferred is not pending before any other court of law or any other authority or

any other Bench or Tribunal.

IX. PARTICULARS OF BANK DRAFT/ POSTAL ORDER;

1. Value of Application Rs.39,91,829/-

2. Name of the Portal Online E-DRT Portal

3. Reference No & Date

4. Receipt Amount

X. DETAILS OF INDEX:
An Index containing the details of the list of Documents to be relieved upon is

enclosed herewith.

XI. LIST OF ENCLOSURES:

As per Index aforementioned.

DESCRIPTION OF THE IMMOVABLE PROPERTY

(As mentioned in the Sale
Notice) SCHEDULE-A
Tiruchirapalli District, Srirangam Sub Reg. District, Srirangam Taluk,

Thimmarayasamudram Revenue Village, Veereswaram Kalmettu Street, Anna Nagar,

Old Ward No.11, New Ward B, T.S.No.1826/1, Ac 0.11 cents, T.S.No.1844 Ac. 0.58

cents, T.S.No.1825, Ac 0.13 cents total Ac cents (35,000 Sq.ft) in this excluding area

gifted to the Municipal Corporation admeasuring on ground 193 feet 9 inches east
 8

west on the North 187 feet east west on the south 192 feet 9 inches (6 feet 9 inches+

123 feet 6 inches 62 feet 6 inches) north south on the east and 197 feet north south on

the west bounded on the north by property gifted to Municipal Corporation in

T.S.No.1825, 1826/1 and 1844 part and Thandavan Chettiar's Thope (Now

T.S.No.1824/38, 1827/lA, and lB and 1827/4) on the East by Govindam Pillai's

Property (Now T.S.Nos.1826/2A, 1832, 1833, 1834/1 and 1835) on the South by

T.S.No.1843, 1841/1 and 2, 1840/2, and 1839 and on the west by Veereswaram Road

(Now T.S.No.1843) - Total area 32,882.75 Sq.ft).

SCHEDULE-B

In the property described in Schedule-A above an undivided interest in land of

1.88% equivalent in value to 600 Sq.ft (55.74 Sq.mtrs) with a residential flat house

building bearing Flat No.3 in the ground floor with super plinth area of 1200 Sq.ft in

the apartment known as "VIGNESH ANCHITHA" constructed on the entire A

schedule property above with electric service connection, meter, meter deposit,

underground drainage connection and its deposit together with proportionate rights and ;>

interest in all common passages, pathways and amenities provided thereto and

undivided share in over head tank, electric meter, septic tank, one lift corporation

water connection and with all easement rights thereon.

VERIFICATION

I, N.Shanthi, W/o. Mr.I.Saravanan, residing at Flat No.3, Ground Floor,

"Vignesh Anchitha" Veereshwaram Kalmethu Street, Srirangam, Trichy - 620 006,

the applicant herein do hereby verify and declare that the contents of paragraphs 1 to

11 are true to my personal knowledge and belief and that I have not suppressed any

material facts.

Dated at Madurai on this the 10th day of June, 2024.

For VASTLAW ASSOCIATES

PARTNER
N.Shanthi
COUNSEL FOR APPLICANT APPLICANT
 BEFORE THE DEBTS RECOVERY TRIBUNAL AT MADURAI
S.A. No. of 2024

In the matter of
Mrs.N.Shanthi ... Applicant
-Vs-
The Authorized Officer,
Indian Bank
And Another ... Defendants

INDEX TO LIST OF DOCUMENTS/ANNEXURE

SI.
Date Documents/ Annexure Page No
No.

1. 12.12.2023 Possession Notice u/s. 13(4) 10-11

2. 28.02.2024 First Sale Notice 12

Order passed m SA No.

3. 26.03.2024 13-15
229/2024

4. 24.05.2024 Impugned Sale notice 16-20

It is certified that the above documents contained in the above typed set/

annexure of papers are true copies of the original.

Dated at Madurai on this the 10th day of June, 2024.

For VASTLAW ASSOCIATES

PARTNER

COUNSEL FOR APPLICANT

 tmotion ofFroa:nciai
read with the ndc 9
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·ntm 'bcing Rs.

. . •ti;TY}a,t,;pn'·t
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the en:fu b ow in exercf. of powers
confm h day of Deccm.b ZQ-23.
• ' . . ' . . • :aling:s

for VAS1'LAW ASSOCIATES

ForVASTLAW ASSOCIATES

L.--- This Annexure ts the True

Copy of the Original
P. RTNER Document
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;S. No.182'6/f,.At@-O!ntl., t;S. No..
ft).. In this exdudin, ,rea1lffed to tM
e North,_181fat em west·onthe
• $0tlth · " $1., east and 19'Tleet
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• t4£Sl4 AN.CHITHA" co'Mtfucted on the entfre A schedule proptH·ty
• • r · '· • • · • •• dcr Gtotmd drainage .conn.getlon-and lt5 deposit,
path ys, and 3menlt!es Pffl.vidftf thereto.
ne I.ft\ ccn1oration wiltcr c:,.nn ctlo.n, .i.rirJ

,
For VASTLAW ASSOCIATES
For VASTI.AW ASSOCIATES

ER
Th\s Anne ure \s tho True Copy
of the Original Document
PARTNER
1c;ts•1.
'

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For VASTLAW ASSOCIATES

For VASTLAW ASSOCIATES

PARTNER This Ann re ,s the True Copy

of the Original Oocument
SA 229/2024 26.03.2024

Ld. Counsel Mr.A.Saravana kumar is appearing for Applicant. (VC)

Ld. Counsel Mr.R.Pandivel is appearing for Respondent bank. (VC)

Emergent petition in IA No.1295/2024: Petition Allowed.

Stay petition in IA No.1294 /2024:

Ld. Counsel for the Applicants submitted that the SA is challenging the
e-auction Sale Notice dated 28.02.2024 issued by the Respondent Bank,
fixing the e-auction sale on 30.03.2024, for the recovery of a sum of
Rs.38,51,012/- by the bank.

The Ld. Counsel for the Applicant submitted that the Applicant availed
Housing loan facilities from the Respondent Bank by mortgaging the
schedule mentioned properties as a collateral security for the loan
facilities availed. The Applicant is regular in repayment of EMis.
However, due to COVID-19 pandemic and heavy financial problems, they
could not repay the loan and hence, the loan account was classified as
NPA. Thereafter, the Respondent Bank issued a Demand Notice u/s.13
(2) of the SARFAESI Act dated 12.05.2023 and also issued Possession
Notice dated 12.12.2023 u/ s.13 (4) of the SARFAESI Act.

Ld. Counsel for the Applicant further submitted that the Applicant
approached the Respondent bank and requested for extension of time to
settle the loan account dues, but the Respondent Bank did not consider
their request, initiated action under the SARFAESI Act. The Respondent
Bank had not followed the Rules and guidelines of RBI & the procedures
of SARFAESI Act. Thereafter, the Respondent Bank issued the Sale
Notice dated 28.02.2024, fixing thee-auction sale on 30.03.2024 and the
same is challenged in the present SA.

The Ld. Counsel for the Applicant further submitted that the properties
are undervalued and the reserve price fixed is very low and hence, the

,
Applicant is required to safeguard the secured dwelling house and if the

For VASTLAW ASSOCIATES

K
PARTNER
secured property is sold by the Respondent Bank, it shall be highly
prejudice, hardship and much loss to the Applicant. Therefore, if this
Hon'ble Tribunal is granting certain period of time, the Applicant is
willing to deposit a reasonable amount as pre-condition so as to protect
the secured asset. Hence, the prayer of the Applicant may be considered
favorably by this Hon'ble Tribunal.

Ld. Counsel for the Respondent Bank submitted that the Bank has to
recover the dues from the Applicant and there is no payment is made by
the Applicant after the issuance of notice under section 13 (2) & 13 (4) of
the SARFAESI Act and there is no violation of the Rules and Guidelines
of RBI and Procedures contemplated under the SARFAESI Act. The
present outstanding is about a sum of Rs.38.00 lakhs and hence, the
present sale notice is issued to recover the dues of the Applicant.
Therefore, if any interim order is granted, it shall prejudice the right of
the Respondent Bank in recovering the dues of the Bank. However, if any
interim order is granted a substantial amount may be imposed as a pre
condition by this Hon'ble Tribunal.

This Tribunal on considering the rival submissions of the parties and

without going into merits of the case at present, this Tribunal is the view
that the Applicant needs to be given a chance to prove their bonafides.
Hence, this Tribunal, hereby ordered to the Applicant to deposit a sum of
Rs.19.00 lakhs to the Respondent Bank (Sale Notice amount is taken),
out of which a sum of Rs.9.50 lakhs shall be paid, on or before
23.04.2024 and another sum of Rs.9.50 lakhs shall be paid, or before
21.05.2024 to the Respondent Bank. The Respondent Bank on receiving
the sum as ordered by this Tribunal shall not confirm the sale, if any,
held, on the schedule date of auction. If the Applicant is failed to deposit

- ;:,
f oVrA S T L A W ASSOCIATES

PARTNER
any part of the sum as ordered by this Tribunal, the Respondent Bank
shall be at its liberty to confirm the auction sale, if any, held on the
schedule date of auction without any further reference to this Tribunal.

The case is adjourned to 24.04.2024. Call on 24.04.2024.

, ce
For VASTLAW ASSOCIATES

PARTNER
For VASTLAW ASSOCIATES

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PARTNER
For VASTLAW ASSOCIATES

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PARTNER
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For VASTLAW ASSOCIATES

PARTNER
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For VASTLAW ASSOCIATES

PARTNER
 :' - ............:.-.-.--
-
BEFORE THE DEBTS RECOVERY TRIBUNAL AT MADURAI ] ,
@) •
5 1
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F029 1 0
---
l
S.A.No. of 2024 .1
#
TAMIL NADU ,.ovocATES CLE.RKS-
WELFARE FUND STAMP

_ • ---
: •
i PE. -
Y<,-
I t -

Mrs.N.Shanthi ... Applicant

-Vs-
The Authorized Officer,
Indian Bank
And Another ... Defendants

I, N.Shanthi, the applicant herein do hereby appoint and retain M/s.VASTLAW

ASSOCIATES (Partners: V.Veerapandian (En.117/1990), A.Vadamalaikannan
(En.1481/1993), V.Sribalaji (En.1183/1997), A.Saravana Kumar (En.391/2001),
Advocates) (High Court Approval Order : ROC.No. 2837-A/2015/F/MB Dated :
12.10.2015) and S.Pavalameena (En: 3381/2010) Advocate, to appear for me/ us in the
above Suit/Original/ Miscellaneous Petition and to conduct and prosecute or defend the
same and all proceedings that may be taken in respect of any application for any
execution of any Decree or Order passed therein. I/We empower my/our Advocate to
appear in all miscellaneous proceedings in the above Suit or matter till all decree or
orders are fully satisfied or adjusted and in all applications thereto whether in suit,
interlocutory application, execution petitions and applications in execution till they are
finally disposed off in this court and to obtain the return of documents and draw moneys
that might be payable to me/us in the said suit or matter. He is/They are also authorized
to depute any other Counsel to act on his/their behalf.

Dated at Madurai on this the 10th day of June, 2024

I Certify that the contents of this Vakalat

were read out and explained in English in
my presence to the Executant who appeared N.Shanthi

perfectly to understand the same and made

his/her/their signature in my presence.

ForVAST o BCIATES Mis. VASTLAW ASSOCIATES,

" ') DVOCATES

i( PARTNER -\Jc,.-ol.o, "'°'-- { L .,...
. . ,i:.,
ACCEPTE :o;,;,J fhe address for service of the said Advocate(s) is/are:
1\
7 No. 30, Sarojini Street, Chinna Chokk.ikulam, Madurai - 625 002.
_ ,,
.\1J\,,..,,-- Ph: 0452- 2521253, website : www.vastlawassociates.com
d
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 CAVEAT ENDORSEMENT

It is submitted that no caveat has been served on the applicant and no caveat is

pending as per the verification made from the caveat register.

For VASTLAW ASSOCIATES

PARTNER

COUNSEL FOR APPLICANT

UNDERTAKING ON BEHALF OF THE APPLICANT

The applicant undertakes to produce the translated copies of the documents

filed herewith as and when directed/ordered by this Hon'ble Tribunal.

For VASTLAW ASSOCIATES

PARTNER

COUNSEL FOR APPLICANT