IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE N.NAGARESH TUESDAY, THE 21^ST DAY OF MAY 2024 / 31ST VAISAKHA, 1946 OP (DRT) NO. 100 OF 2024 PETITIONER:

ANAS P.J, AGED 53 YEARS S/O MR.P.A.JAFFER, PUTHENVEEDU, CHANDANAKAVU,ALAPUZHA, PIN - 688011 BY ADV E.V.MOLY RESPONDENTS:

1 STATE BANK OF INDIA, REP. BY ITS AUTHORIZED OFFICER STRESSED ASSET RECOVERY BRANCH, 7TH FLOOR , VANKARATH TOWERS, PALARIVATTOM BY-PASS JUNCTION , ERNAKULAM, PIN – 682024

2 MOHAMMED NOOHU NAHEEM S/O MOHAMMED NOOHU, NETTACHAZIKOM, THEKKUMBHAGOM, PARAVUR,KOLLAM, PIN – 691301 BY ADVS. Ambily S RUPA R. NAIR(K/001021/2023)

RUBAN JOE TONIYO(K/002926/2022)

MATHEW JOSEPH BALUMMEL(K/001219/2019)

K.K.CHANDRAN PILLAI (SR.)(C-41)

THIS OP (DEBT RECOVERY TRIBUNAL) HAVING COME UP FOR ADMISSION ON

21.05.2024, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:

JUDGMENT

Dated this the 21^st day of May, 2024 The petitioner is the guarantor for a credit facility availed by his brother in the year 2013 from the erstwhile State Bank of Travancore. The initial limit sanctioned was ₹1 Crore, which was later enhanced to ₹1.30 Crores in the year 2014. The CC limit was reduced to ₹57 lakhs by repayment of ₹6,48,000/- as wor