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2025 Supreme(Ker) 2951

IN THE HIGH COURT OF KERALA AT ERNAKULAM
S.MANU
Sigmatic Nidhi Limted, Represented By Its Managing Director Joseph E.A. – Appellant
Versus
Suresh Kumar, S/o. Unnikrishnan – Respondent


Advocates Appeared:
For the Petitioner: Shri. P. Paulochan Antony, Shri. Sreejith K.
For the Respondents: Sri. V.A. Johnson (Varikkappallil).

Table of Content
1. introduction of parties and case context. (Para 1)
2. default in loan repayment and arbitration initiation. (Para 2)
3. challenge to arbitrator's appointment. (Para 3)
4. assessment of the arbitration agreement's validity. (Para 4)
5. arguments regarding the arbitration clause's binding nature. (Para 5 , 6)
6. analysis of arbitration agreement requirements. (Para 7 , 8 , 9)
7. judicial interpretation of arbitration agreements. (Para 10 , 11 , 12)
8. establishing validity without signatures. (Para 13 , 14 , 15 , 16)
9. acknowledgment of the arbitration clause. (Para 17)
10. court's orders on arbitration request. (Para 18 , 19)

ORDER :

Petitioner is a Limited Company carrying on the business of providing financial assistance. The respondents approached the company for financial assistance. First respondent is the borrower and 2nd and 3rd respondents are co-borrowers. Annexure A2 is a document signed by the respondents which is in the form of an agreement, but not signed by any representative of the petitioner. It contains an arbitration clause.

3. Since the execution petition was dismissed on the basis of the finding that the appointment of the Arbitrator was not in accordance

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