JUDGMENT

Dated this the 27^th day of February, 2026 The Petitioner, is the absolute owner and registered proprietor of the immovable property more fully described in the schedule to this petition (hereinafter referred to as the “scheduled property”), being landed property and all improvements thereon admeasuring 2.2 Are (Sy. Sub Div. No. 151/12/5/2) in Kunnathunadu Village and more particularly evidenced by Doc. No. 3819/2012 of Puthencruz SubRegistry. The Petitioner is in peaceful possession and occupation of the said property. At different points of time, her son had availed two separate vehicle loans from the 3^rd Respondent herein for financing the purchase of commercial vehicles.

The Petitioner submits that he executed all documents as guarantor as required by the 3^rd Respondent for creation of security in respect of the above loan accounts and that the securities offered included the said vehicles and, at the request of the 3^rd Respondent, collateral security in the form of a charge/ hypothecation/other encumbrance (as applicable) over the scheduled property. Howerver, default occured and as per the arbitration clause provided under the loan documents and applicable law, the 3^r