BANK OF BARODA MANAVADAR THROUGH MANAGER SHREE vs DHARMESHBHAI SAVDASBHAI KARGATIYA — 13/2025

Case Summary: Commercial Suit No. 13/2025 Court Decision: The Principal Senior Civil Judge at Vanthali partly allowed Bank of Baroda's suit against defendant Dharmeshbhai Savdasbhai Kargatiya. The defendant is ordered to pay Rs. 6,31,021.50 (the outstanding loan amount) plus 6% annual interest from the date of suit filing until full realization, along with court costs. Key Reasoning: The defendant defaulted on a Rs. 7,00,000 car loan sanctioned in October 2019, with the last payment made in January 2023. Despite legal notices and pre-institution mediation (which failed), the defendant never appeared in court or filed a written statement, resulting in an ex-parte hearing. The court found the bank's documentary evidence and affidavit testimony credible and unchallenged, establishing the loan debt and default. The suit was timely filed within the 3-year limitation period, excluding the pre-mediation period per Section 12A of the Commercial Court Act. This case analysis is maintained by casestatus.in based on publicly available court records.