Real judgements, distilled

Legal Case Shots

Court judgements broken down into the case type, how the decision played out, and the lesson worth remembering, with the full judgement available as a PDF.

Frequently asked questions

Is this suitable for use in legal research and court filings?+

Legal Case Shots is built to help you quickly identify and understand relevant precedent. For citation in pleadings or filings, always verify against the full judgment PDF and current citation format (e.g., 2026 INSC ___).

How is a "lesson learnt" different from the judgment's holding?+

The holding is what the court legally decided. The lesson learnt translates that into a practical takeaway: what a lawyer should factor into case strategy or client advice as a result of this precedent.

Is the full judgment available, or just a summary?+

Both. Each case shows a distilled summary (case type, key holding, and lesson learnt) and links to the full judgment as a PDF for when you need the complete text for research or citation.

Can I filter judgments by date or case type?+

Yes. Use Advanced Filters to narrow results by decision date and by practice area, including Constitutional Law, Criminal Law, Service & Administrative Law, Family Law, Civil Property & Inheritance, and Labour & Industrial Law.

Can I search judgments by a specific judge?+

Yes. You can filter judgments by the judge or bench that decided the case, which is useful for tracking how a particular judge has reasoned on similar issues across multiple rulings.

What is Legal Case Shots?+

Legal Case Shots is a searchable database of Supreme Court of India judgments, each broken down into the case type, the court's key holding, and a practical lesson learnt, with the full judgment available as a PDF for citation or deeper reading.

Banking & Debt Recovery LawSupreme Court of India

Union Bank of India v. Rajat Infrastructure Pvt. Ltd.

Civil Appeal · 2020 INSC 250Decided 2 Mar 2020
Civil Appeal No. 1902 of 2020
Justice Deepak Gupta · Justice Aniruddha Bose

Background

A company had mortgaged its property as security for a loan taken by other borrowers. When the loan went unpaid, the bank auctioned the mortgaged property, and the mortgagor challenged the auction sale before the Debt Recovery Appellate Tribunal (DRAT). The Bombay High Court ruled that the mortgagor could appeal to the DRAT without making the "pre-deposit" that the law normally requires before an appeal can even be heard. The bank appealed to the Supreme Court.

Decision Breakdown

The Supreme Court held that Section 18 of the SARFAESI Act creates an absolute bar on entertaining an appeal before the DRAT unless the borrower first deposits 50% (reducible to not less than 25% by the Tribunal, for recorded reasons) of the debt claimed. It held that a mortgagor/guarantor who mortgages property to secure someone else's loan stands in the same position as a borrower for this purpose, and the High Court had no power under Article 226 to waive this mandatory deposit requirement, which only the DRAT can reduce. The Court set aside the High Court's orders, allowed the bank's appeals, but as a concession extended the time for the auction purchaser to pay the balance sale price and protected the mortgagor's right to file a time-barred-free appeal within 30 days.

Lesson Learnt

Anyone challenging a bank's SARFAESI auction before the DRAT, whether the actual borrower or someone who mortgaged property as security for another's loan, must make the legally mandated pre-deposit; courts cannot simply waive this requirement.

Union Bank of India v. Rajat Infrastructure Pvt. Ltd. – Legal Case Shots | LegalAware