Judgment 1. This is a suit filed by the plaintiff for recovery of Rs.13,25,143.74 along with pendente lite and future interest against the defendant. Plaintiff's case 2. The plaintiff is a body corporate, constituted under the Companies (Acquisition and Transfer of Undertakings) Act 1970. The defendant is dealing with business of handwork of lehenga and sari and approached the plaintiff bank on 22.09.2016 and applied for cash credit loan facility of Rs.10,20,000/ under CGTMSE Loan Scheme. The said loan was sanctioned by the plaintiff bank to the defendant. A cash credit Loan account no. 0114008700002739 was opened in the name of the defendant by plaintiff bank at Chawri Bazar, Delhi. Defendant accepted the terms and conditions of the sanction letter dated 27.09.2016 and executed a hypothecation of goods and book debts secure cash credit facility dated 27.09.2016 and agreement CGTMSE dated 27.09.2016 and other affidavit and undertaking in favour of plaintiff bank agreed to repay the loan amount as per terms and conditions. The defendant agreed to pay interest on the availed loan amount of Rs.10,20,000/ @ [MCLR + 2.25%] i.e. 11.60% with monthly rest, subject to change as per guidelines of RBI. The defendant also agreed to pay additional penal interest 2% per annum, in case of default of interest amount. The defendant despite accepting the sanction letter and availing the said loan CS COMM No.1222/2023 Punjab National Bank Vs. M/s. Alishan Sarees Page No. 2/21 facility became irregular in repayment of overdue the said C.C. Loan account to plaintiff bank. It is stated that upon various request by plaintiff bank, defendant approached the plaintiff bank on 31.07.2019 and signed balance and security confirmation letter dated 31.07.2019 and acknowledged debt Rs.10,22,058.10 on 31.07.2019. The defendant again approached the plaintiff bank on 30.03.2021 and signed balance security confirmation on 30.03.2021 and acknowledged debt of Rs.10,22,260.20 on 30.03.2021. Defendant continuously failed to pay the over due amount for the long time and the CC loan account of the defendant was declared NPA on 02.05.2021. The plaintiff was compelled to issue a recall notice dated 19.03.2022 to the defendant and recalled the entire outstanding amount but defendant neither approached the plaintiff bank for making the payment nor replied to the notice despite service of the legal notice. It is further stated that as per account maintained by the plaintiff bank, the defendant is liable to pay Rs.13,25,143.74. The defendant made last payment of Rs.1500/ on 31.03.2021 against the outstanding amount. The defendant is liable to pay Rs.13,25,143.74 as on 30.06.2023 along with pendente lite and further interest @ 13.60 per annum from 01.07.2023 till realization. Finding no alternative, the plaintiff has filed the present suit against the defendant. Defendant's case 3. Summons of the suit were served on the defendant through whatsapp and email on 16.09.2023. Defendant filed the WS raising CS COMM No.1222/2023 Punjab National Bank Vs. M/s. Alishan Sarees Page No. 3/21 preliminary objections that the present suit is not maintainable in law being without cause of action. It is further stated that plaintiff has not filed the proper and prescribed court fees. It is stated that the present loan facility is covered under the Karz Mukti Bharat and under the said scheme the plaintiff bank has already recovered Rs.6,12,000/ from the insurance company on 27.09.2023 along with Rs.38,000/ cash from the defendant and these facts have not been mentioned in the plaint. It is further stated that defendant applied for Karz Mukti certificate vide no.CC/Delhi/695 dated 07.10.2023 which was accepted by the concerned