Back
S.H.KAPADIA
Managing Director, Orix Auto Finance (India) LTD. – Appellant
Versus
Jagmander Singh – Respondent
JUDGMENT
Arijit Pasayat, J.—Leave granted.
2. Challenge in this appeal is to the order passed by a learned Single Judge of the Punjab and Haryana High Court dismissing the Civil Revision filed under Section 115 of the Code of Civil Procedure, 1908 (in short the ‘Code’).
The background facts in a nutshell are as follows :
3. Under a Hire Purchase Agreement executed between the appellant (hereinafter referred to as the ‘Financier’) and the respondent no. 1 (hereinafter referred to as ‘Hirer’) possession of truck No. HR-46-C-3689 was handed over to the hirer subject to compliance of the terms and conditions of the agreement. As per the terms and conditions stipulated in the agreement, the hirer was to repay the total financed amount of Rs. 9,24,000/- in 33 monthly instalments of Rs. 28,000/- each. As per the agreement the first instalment was payable on 25.10.2000 and the last instalment was payable on 25.6.2003. In case of default in making payment of the monthly instalment the hirer was liable to pay delay charges. Clause 10 of the agreement which is relevant for this purpose of this appeal reads as follows :
“10. In case the Hirer shall during the continuance of this Agreement do or suf
[None identified. No instances of keywords or phrases such as "overruled", "reversed", "abrogated", "bad law", "criticized", "questioned", or similar negative treatments appear in the provided list for any case.]
**Orix Auto Finance (India) Ltd. v. Jagmander Singh and another (2006) 2 SCC 598** (appears in multiple entries, e.g., J. E. Talaulicar, Ex. Managing Director VS Gurpreet Singh - 2006 0 Supreme(UK) 168, ARINDAM BASU VS AMAL KUMAR BOSE - 2006 0 Supreme(Cal) 478, HARYANA STEEL AND ALLOYS LTD. VS IFCI LTD. - 2006 0 Supreme(Del) 2250, Haryana Steel and Alloys Ltd. VS IFCI Ltd. - 2006 0 Supreme(Del) 2251, RPG Itochu Finance Ltd. VS Ramesh Chand - Consumer (2007), Citicorp Maruti Finance Ltd. VS S. Vijayalaxmi - Consumer (2007), Pinki Devi VS State Of Bihar - 2008 0 Supreme(Pat) 127, Capital Trust Ltd. VS Sanjay Dutt - Consumer (2009), HDFC Bank Ltd. VS Balwinder Singh - Consumer (2009), Tata Motors Ltd. VS Indrasen Choubey - Consumer (2009), GE Capital Transportation Financial Services Ltd. VS Raj Tours Private Limited - 2009 0 Supreme(Del) 464, Anand Roy Son Of Ram Narain Roy VS State Of Bihar - 2009 0 Supreme(Pat) 809, IndusInd Bank Ltd. Rep. by its Sr. Branch Manager VS Birendra Kumar Sinha - Consumer (2010), Parameswari VS The General Manager - Consumer (2010), Kailash Nathan VS State of Bihar - 2013 0 Supreme(Pat) 410, HDFC Bank Ltd. VS State of Raj. - 2013 0 Supreme(Raj) 352, H. D. F. C. Bank Ltd. VS State of Rajasthan - 2014 0 Supreme(Raj) 522, Cholamandalam Investment & Finance Co. Ltd. , Rep. by its Power of Attorney Holder Ali Abbas Kashani VS State of Andhra Pradesh, Through the Public Prosecutor - 2014 0 Supreme(AP) 922, HDFC Bank Limited VS State of Rajasthan - 2014 0 Supreme(Raj) 1787, Seven Brothers VS Hinduja Leyland Finance Company - 2015 0 Supreme(MP) 574, Sailesh Vatsa VS State of Biharn - 2015 0 Supreme(Pat) 456, Meru Cab Company Private Limited VS Sudhir Bhosale - 2015 0 Supreme(Bom) 1901, BALLABH LAL VS KUKKOO MOTORS FINANCE PVT. LTD. - 2016 0 Supreme(All) 260, Omprakash Pandey VS State of West Bengal - 2016 0 Supreme(Cal) 207, Reliance Industries Ltd. VS Nilu Rai - 2016 0 Supreme(Pat) 208, IndusInd Bank Ltd. VS Ramesh Kumar - 2016 0 Supreme(HP) 1147, INDUSIND BANK LTD. VS PANCHAPPA - Consumer (2016), SATYA NARAYAN ADHIKARI VS MOYANK PODDAR - Consumer (2016), Amin Associates - A Partnership Firm VS Bharatbhai Purshottambhai Patel - 2017 0 Supreme(Guj) 1810, KAMESHWAR SHARMA VS STATE OF MADHYA PRADESH - 2018 0 Supreme(MP) 805, R. Arun VS IndsInd Bank Limited - 2018 0 Supreme(Mad) 652, K. Soundarrajan @ Rajan Kumar VS Kulwant Singh - 2018 0 Supreme(P&H) 3730, Tanwar Anwar VS State of Orissa - 2019 0 Supreme(Ori) 356, RAJNISH SHARMA VS STATE OF U. P. - 2019 0 Supreme(All) 471, Amandeep Singh Bains VS State of Chhattisgarh - 2019 0 Supreme(Chh) 45, MAGMA FINCORP LTD. VS RAJESH KUMAR TIWARI - 2020 6 Supreme 257, Supertech Urban Home Buyers Association (Suha) Foundation Through Its Authorized Representatives VS Union Of India, (Ministry Of Housing And Urban Affairs), Through Its Standing Counsel, Nirman Bhawan, Maulana Azad Road, New Delhi-110011 - 2023 0 Supreme(Del) 352, UCC – RLA – STA (JV) VS Eastern Coalfields Limited - 2024 0 Supreme(Cal) 535, Prinsu Kumar S/O Ram Naresh Singh VS State of Bihar through the Additional Chief Secretary, Home Department - 2024 0 Supreme(Pat) 310, Racing Promotions Private Limited VS Harish - 2025 0 Supreme(SC) 376): Consistently cited approvingly as precedent on hire purchase agreements, financier's right to repossess vehicles upon default, and contractual remedies. Phrases like "has held that" (J. E. Talaulicar, Ex. Managing Director VS Gurpreet Singh - 2006 0 Supreme(UK) 168), "specifically held that" (ARINDAM BASU VS AMAL KUMAR BOSE - 2006 0 Supreme(Cal) 478), "held as under" (Citicorp Maruti Finance Ltd. VS S. Vijayalaxmi - Consumer (2007)), "affirmed the above view" (Kailash Nathan VS State of Bihar - 2013 0 Supreme(Pat) 410), "law relating to" (Prinsu Kumar S/O Ram Naresh Singh VS State of Bihar through the Additional Chief Secretary, Home Department - 2024 0 Supreme(Pat) 310), and "relying on the decision" (Omprakash Pandey VS State of West Bengal - 2016 0 Supreme(Cal) 207) indicate positive treatment as followed or affirmed.
**Director, Orix Auto Finance (India) Ltd. v. Sudhir Mehra (2001) 7 SCC 417** (e.g., ARINDAM BASU VS AMAL KUMAR BOSE - 2006 0 Supreme(Cal) 478, Anand Roy Son Of Ram Narain Roy VS State Of Bihar - 2009 0 Supreme(Pat) 809, Meru Cab Company Private Limited VS Sudhir Bhosale - 2015 0 Supreme(Bom) 1901, INDUSIND BANK LTD. VS PANCHAPPA - Consumer (2016)): Cited alongside the 2006 case as foundational precedent on similar issues; referenced approvingly, e.g., "reported in (2001)7 SCC 417" (ARINDAM BASU VS AMAL KUMAR BOSE - 2006 0 Supreme(Cal) 478) and in sequence with followed cases (Meru Cab Company Private Limited VS Sudhir Bhosale - 2015 0 Supreme(Bom) 1901).
**Citicorp Maruti Finance Ltd. v. S. [various respondents]** (e.g., Capital Trust Ltd. VS Sanjay Dutt - Consumer (2009), HDFC Bank Ltd. VS Balwinder Singh - Consumer (2009), IndusInd Bank Ltd. Rep. by its Sr. Branch Manager VS Birendra Kumar Sinha - Consumer (2010), MAGMA FINCORP LTD. VS RAJESH KUMAR TIWARI - 2020 6 Supreme 257): Referred to as "squarely covered by the ratio" (Capital Trust Ltd. VS Sanjay Dutt - Consumer (2009)) and cited in similar contexts (IndusInd Bank Ltd. Rep. by its Sr. Branch Manager VS Birendra Kumar Sinha - Consumer (2010)), indicating followed treatment.
**Sundaram Finance Ltd. v. [various respondents]** (e.g., PALASH CHATTERJEE VS STATE OF WEST BENGAL - 2007 0 Supreme(Cal) 442, Citicorp Maruti Finance Ltd. VS S. Vijayalaxmi - Consumer (2007), Reliance Industries Ltd. VS Nilu Rai - 2016 0 Supreme(Pat) 208, R. Arun VS IndsInd Bank Limited - 2018 0 Supreme(Mad) 652): Distinguished in some contexts but generally cited positively, e.g., "referring to public policy" (Reliance Industries Ltd. VS Nilu Rai - 2016 0 Supreme(Pat) 208) and alongside followed cases.
**Sundaram Finance Ltd. v. State of Kerala and Others** (e.g., Citicorp Maruti Finance Ltd. VS S. Vijayalaxmi - Consumer (2007), PALASH CHATTERJEE VS STATE OF WEST BENGAL - 2007 0 Supreme(Cal) 442): Explicitly distinguished by facts, e.g., "while the facts in Sundaram Finance ltd." (PALASH CHATTERJEE VS STATE OF WEST BENGAL - 2007 0 Supreme(Cal) 442), showing differentiated application rather than direct following.
**Managing Director, UP Financial Corporation, Kanpur and others AIR 2004 Allahabad 310** (HARYANA STEEL AND ALLOYS LTD. VS IFCI LTD. - 2006 0 Supreme(Del) 2250): Listed alongside followed cases but no specific treatment phrase; neutral reference.
**Data Access India Ltd. v. [respondent]** (Haryana Steel and Alloys Ltd. VS IFCI Ltd. - 2006 0 Supreme(Del) 2251): Cited in list without affirmative or negative language; neutral.
**Charanjit Singh Chadha v. Sudhir Mehra** (INDUSIND BANK LTD. VS PANCHAPPA - Consumer (2016), Kailash Nathan VS State of Bihar - 2013 0 Supreme(Pat) 410): Referenced post-Orix as subsequent consideration; neutral linkage.
**Other peripheral cases** (e.g., ICICI Bank v. Prakash Kaur [01200025403, 01200025661], St. Mary’s Hire Purchase Parameswari VS The General Manager - Consumer (2010), Ge Capital Transportation Meru Cab Company Private Limited VS Sudhir Bhosale - 2015 0 Supreme(Bom) 1901, Potluri Madhvilata (2009) 10 SCC 103 Amin Associates - A Partnership Firm VS Bharatbhai Purshottambhai Patel - 2017 0 Supreme(Guj) 1810): Cited in passing or lists without explicit treatment indicators; treated as neutral references.
**Cases with minor typographical variations or unclear naming** (e.g., "Managing Director, Orix Auto Finance (India) Ltd. v. Amal Kumar basu" PALASH CHATTERJEE VS STATE OF WEST BENGAL - 2007 0 Supreme(Cal) 442, "Director, Crix Auto Financed" Pinki Devi VS State Of Bihar - 2008 0 Supreme(Pat) 127, "Orix Finance (India) Ltd." Tata Motors Ltd. VS Indrasen Choubey - Consumer (2009)): Likely refer to the core Orix Auto Finance (India) Ltd. v. Jagmander Singh case due to context (hire purchase/repossession), but spelling inconsistencies (e.g., "Crix", "Fiance") create ambiguity. Categorized under followed based on surrounding positive citations, but noted here for caution.
**Unnamed or partial references** (e.g., "Sardar Trilok Singh and others" [02600004871, 00800024262], "Jayesh Pandya (2003) 5 SCC 531" [01800019850, 00300037900]): Appear in lists with followed cases but lack full context or explicit treatment; potentially followed but unclear.
An indispensable Tool for Legal Professionals, Endorsed by Various High Court and Judicial Officers
Please visit our Training & Support
Center or Contact Us for assistance
Scan Me!
India’s Legal research and Law Firm App, Download now!
For Daily Legal Updates, Join us on :
Back to top
