Satyen Vaidya, Judge (Oral).

h This Regular Second Appeal has been filed by the apgpellant-State Bank of India against the judgment and decree dated 30.06.2016 passed by the learned Additional District Judge-I, Mandi in Civil Appeal No. 101 of 2015 arising out of the judgment and decree dated 29.09.2015 passed by the learned Civil Judge (Senior Division), Court No.1, Sundernagar, District Mandi in Civil Suit No. 83-1/2011, whereby both the Courts have concurrently dismissed the suit of the appellant-bank.

1 Whether reporters of the local papers may be allowed to see the judgment?

2. The suit was filed for recovery of Rs. 9,20,525.38/- along with future interest @12.5% per annum with monthly rest till the realization of the entire decretal amount.

3. The plaintiff-bank had averred thatH Dharam Pal, the predecessor-in-interest of defendants No.1 to 4 (respondents No.1 to 4 herein) had applied for house term loan of Rs.8,00,000/- on 18.09.2006. The house term loan was sanctioned in favour of Dtharam Pal on 19.09.2006 and the loan was repayable by payment of 180 equal monthly installments of Rs.8112/- plus interest.

4. As per the plaintiff-bank, after obtaining the loan, loanee had not comp