JUDGMENT

(Dated this the 2^nd day of February, 2026)

The petitioner is a Nationalised Bank which had granted two loan facilities to the respondents. Upon default in repayment, the petitioner Bank initiated proceedings, in which the respondents filed Ext. P1 (S.A. No. 354/2025) before the Debts Recovery Tribunal-2 (DRT), Ernakulam. Along with Ext. P1, the respondents filed a stay petition as I.A. No. 2047/2025. The DRT granted a conditional stay of proceedings, directing the respondents to deposit a sum of Rs. 35 lakhs in the two loan accounts, i.e., Rs. 30 lakhs in the Cash Credit account and Rs. 5 lakhs in the Housing Loan account, out of which the first installment of Rs. 20 lakhs was to be deposited on or before 12.06.2025 and the second installment of Rs. 15 lakhs on or before 12.07.2025. The respondents complied with these conditions, and the DRT extended the stay till 18.09.2025. Thereafter, petitioner filed written statement also. On account of the repeated adjournment and delay in disposing of the S.A & stay petition, the bank is una