Supreme Court of India

Akshay Gupta & Anr. v. Icici Bank Limited & Ors.

Neutral citation
Reported as [2025] 3 S.C.R. 1122
Bench Vikram Nath and Sanjay Karol JJ.
Decided 25 March 2025

INSC stands for INDIAN SUPREME COURT. A neutral citation scheme assigned by the Court itself, so a judgment can be cited without depending on a commercial law reporter. INSC is the neutral citation scheme assigned by the Supreme Court, so a judgment can be cited without depending on a commercial law reporter.

What the Court ordered

We are of the view that the loan account should be closed treating it as repaid or fully paid up.

Judgment, page 10

From the headnote

Issue for Consideration The three parties herein are the borrower/flat owners, the builder and the Bank – the lender. There were defaults at the end of each parties. However, same has been settled. Only three small issues have been flagged by the appellants: i) The Bank be directed to remove the word ‘settlement’ used in the loan account statement as it may affect future loan facilities being availed by the appellant; ii) The apartments purchased by the appellants are ready and some minor work remains which the builder may complete forthwith and hand over possession to the appellants; (iii)

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