This document contains the full judgment from the High Court of Kerala in the case of The Assistant General Manager, SBI v S Saradamani And Ors. It addresses the complex issue of pension recovery, specifically concerning excess payments made to a pensioner. The judgment details arguments regarding limitation periods, the principal-agent relationship between the bank and the railway, and the applicability of Supreme Court rulings on recovery from employees. This is essential reading for legal professionals, pensioners, and financial institutions involved in pension disbursement and recovery.