This is an unsuccessful defendant’s second appeal against the judgment and decree dated 17.03.2011 made in R A No.35/2009 on the file of the Senior Civil Judge, Badami, confirming the judgment and decree dated 24.06.2009 made in O.S. No.225/1999 on the file of the Civil Judge (Jr. Dn.) and JMFC, Badami, decreeing the suit for recovery of money.

2. For the sake of convenience the parties herein are referred to as per their ranking before the Trial Court.

3. The respondent-plaintiff filed O.S.No.225/1999 against the present appellant-defendant for recovery of Rs.20,355/- along with interest @ 13.5% p.a. along with future interest contending that one Lalsab S/o. Modinasab Awati, resident of Katageri Village had approached the plaintiff bank on 10.11.1998 for financial help for his business, introducing the present defendant as guarantor/co-obligant to get the loan. Accordingly the plaintiff-Bank has sanctioned the loan on 23.11.1998 to an extent of Rs.25,000/- to the said Lalasab with repayment schedule to repay the same at a rate of Rs.690/with 35 installments commencing from 23.12.1998. According to the Bank, the loan was sanctioned to the above said Lalsab Awati in two ins