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IN THE HIGH COURT OF KERALA AT ERNAKULAM
ANIL K. NARENDRAN, MURALEE KRISHNA S., JJ
PRAMEELA DEVI – Appellant
Versus
STATE BANK OF INDIA – Respondent
| Table of Content |
|---|
| 1. factual outline of loan and insurance claims. (Para 2) |
| 2. arguments presented by the bank regarding loan insurance. (Para 4 , 5 , 6 , 7) |
| 3. court's reasoning regarding appeal jurisdiction. (Para 8 , 9 , 13) |
| 4. contentions regarding the insurance application procedure. (Para 10 , 11 , 12) |
| 5. ratio decidendi concerning insurance coverage and premium payment. (Para 15 , 16 , 19 , 20) |
JUDGMENT
Muralee Krishna S., J.
The petitioners in W.P.(C)No.9933 of 2024 filed this writ appeal under Section 5 (i) of the Kerala High Court Act, 1958, challenging the judgment dated 11.06.2025 passed by the learned Single Judge in that writ petition.
2. The 1st appellant is the wife, and appellants 2 and 3 are the children of the deceased C.Radhakrishnan Nair, who availed a Housing Loan from the 1st respondent State Bank of India. As per the pleadings in the writ petition, the loan availed by Sri.C.Radhakrishnan Nair with Account No.HL37487083514 was for Rs.33,44,000/-. Ext.P1 is the arrangement letter dated 23.01.2018 issued by the Bank in respect of that loan. The Housing Loan availed by Sri.C.Radhakrishnan Nair was secured by the SBI Life Insurance Suraksha Loan Account bearing No.37487099
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