LAWS(KER)-2022-4-145

FATHIMA MARRY T. R. Vs. UNION OF INDIA

Decided On April 05, 2022
Fathima Marry T. R. Appellant
V/S
UNION OF INDIA Respondents

JUDGEMENT

(1.) The petitioner, a retired Head Nurse now aged 69 years, is before this Court seeking to quash Ext.P3 and to direct the 3rd respondent-Manager, State Bank of India to consider her loan application irrespective of Suit filed or Wilful default or One Time Settlement by the daughter in relation to her education loan.

(2.) The petitioner retired as Head Nurse after rendering 23 years of service and is in receipt of monthly pension of ?24,212/-. She has undergone Cardiac Surgery. Her husband had suffered a stroke. He is unable to walk without assistance. The petitioner's daughter is a divorcee. The petitioner and her husband require ?3 lakhs for their immediate treatment. The petitioner hence submitted an application for pension loan under the SBI Pension Loan Scheme.

(3.) The application was rejected stating that as per Bank's policy, loan cannot be sanctioned as there is a Suit pending / Wilful default / Settled account, in her Credit Report. The petitioner's daughter had availed an educational loan from Punjab National Bank, of an amount of ?1,60,720/-, for studying B.Ed Course. The petitioner stood as a guarantor. The petitioner's daughter did not get adequate employment after her studies to repay the amount. There were defaults in the said education loan. Ultimately, the loan was settled for ?2 lakhs under a One Time Settlement Scheme on 27/10/2020.