Muralee Krishna S., J.
The petitioners in W.P.(C)No.9933 of 2024 filed this writ
appeal under Section 5(i) of the Kerala High Court Act, 1958,
challenging the judgment dated 11.06.2025 passed by the learned
Single Judge in that writ petition.
2. The 1st appellant is the wife, and appellants 2 and 3 are
the children of the deceased C.Radhakrishnan Nair, who availed a
Housing Loan from the 1st respondent State Bank of India. As per
the pleadings in the writ petition, the loan availed by
Sri.C.Radhakrishnan Nair with Account No.HL37487083514 was
for Rs.33,44,000/-. Ext.P1 is the arrangement letter dated
23.01.2018 issued by the Bank in respect of that loan. The
Housing Loan availed by Sri.C.Radhakrishnan Nair was secured by
the SBI Life Insurance Suraksha Loan Account bearing
No.37487099568. Ext.P1 arrangement letter admits payment of
insurance premium of Rs.1,59,000/-, and it shows the breakup of
the loan amount and the insurance premium. Since
C.Radhakrishan Nair was working abroad, the documentation for
the loan was done through his son Sri.Avinash Radhakrishnan,
who did not join as a party to the writ petition, since he is not
W.A.No.1724 of 2025 4 2026:KER:16876
available in India at present. At the time of availing the loan,
Sri.Avinash Radhakrishnan was the power of attorney holder of
C.Radhakrishnan Nair. According to the appellants, the EMI of
Rs.48,737/- shown in Ext.P1 is inclusive of EMI for Suraksha Loan
at the rate of Rs.827/- per month.
