IN THE HIGH COURT OF PUNJAB AND HARYANA AT CHANDIGARH CWP-11889-2022 ( O&M )

Date of decision : 16.02.2026 Sukhpal Kaur …….Petitioner Versus Punjab National Bank and another ...….Respondents CORAM: HON'BLE MR. JUSTICE SHEEL NAGU, CHIEF JUSTICE HON'BLE MR. JUSTICE SANJIV BERRY Present: Ms. Nisha Rana, Advocate, for Mr. Gurminder Singh Salana, Advocate, for the petitioner.

Mr. Gaurav Goel, Advocate (arguing counsel), and Mr. Teginder Singh, Advocate, for the respondents.

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SHEEL NAGU, CHIEF JUSTICE ( Oral )

1. Petitioner – borrower has assailed notices issued by the respondent Bank u/s 13 (2) as well as u/s 13 (4) of Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (‘SARFAESI Act’, for brevity).

2. This petition is pending for the last more than three years.

3. When this Court took cognizance of this matter, following order was passed on 30.05.2022 :

“Notice of motion for 13.09.2022.

Mr. Gaurav Goel, Advocate, accepts notice on behalf of respondents and seeks time to file reply. May do so, on or before the next date of hearing with a copy in advance to the counsel opposite.

Subject to the petitioner paying a sum of Rs. 10 lakh to the resp