The High Court · 2025

Judgment

2. Union of lndia, Represent by it's Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager, 6, Sansad Marg, New Delhi - 110001 3 lClCl Bank, Rep. by its Chief Manager, lClCl Bank Towers, Financial Dist, Plot No 12 Nanakramguda, Gachibowli, Hyderabad. Telangana 500032 4 ADITYA BIRLA CAPITAL, Rep, by its Chief Manager. One World Center, Tower 1, 18th Floor, Jupiter Mills Compound, 841 , Senapati Bapat tVlarg, Elphinstone Road, Mumbai- 400091.

5. BAJAJ FINANCE, Rep. by its Chief Manager, 6th Floor, Bajaj Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar Pune, I/aharastra - 411014 6, TATA CAPITAL Limited, Rep. by its Chief Manager, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam lVarg, Lower Parel, N/umbai, Maharastra - 400013 ...RESPONDENTS Petition under Article 226 of lhe Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the l nature of Writ of I\,4anCamus. declaring the action of respond,:nt Nos. 3 to 06 in attempting to recover amounts from the petitioner in an z rbitrary, illegal, and high-handed manner without following the due process oi aw and in blatant violation of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No. RBll2O22-231 108, DOR.ORG REC 65/21 .O4.15812022-23, znd further declaring the inaction of responCent No. 2 in enforcing the said Circular as unconstitutio na I and violative of Artrcles 14. 19, and 21 of the ConstitJtion of lndia, and consequently direct lhe respondent authorities to refrain V from undertaking any coercive or unlawful recovery measures against the petitio 1er and to strictly comply with the due process of law and the aforesaid Cir,;ltlar in all recovery proceedings, and further restrarn respondent Nos. 3 to 06, tl-eir agents, recovery agents, executives, managers. or any person acting or their behalf from engaging in any acts ol intimidation, harassment. humiliation or intrusion into the privacy of the petitioner or his family members, referees rtr friends, including persistent or anonynrous calls. threatening messages, or ph'Tsical visits to the petitioner's premises, and further direct respondent No. 2 to t:rrforce the said RBI Circular in letter and spirit and to initiate appropriate and stri rgent action against the errant officials of respondent Nos.3 to 06 for violatin3 legal norms, and pending disposal of the writ petition. direct the respondent Nos. 3 to 06 not to resort to any coercive measures against the petitioner ex lopt through lawf ul means and in strict adherence to the Circular daled 12.O8.2Oi'.2. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDR,A REDDY Counsel for the Respondent No.1 : DEPUTY SOLICITOR GENIERIAL OF INDIA Counsel for the Respondent No.3: SRI SUDHARSHAN NARpHARI, SC FOR ICICI BANK & YES BANK WRIT PETIT]ON NO: 20225 OF 2025 Between: Bandaru Raghu Chand, C/o Bandaru Ravi Kumar, Age.35 Years, Occ. Job Searching, R/o P. No. 55/P, Pent House, Rukmini Est;rtes, Bhagya Laxmi Nagar, Quthbullapur, lVledchal - Malkajgiri, Telangana - 5i 0055. ...PETITIONER AND 1 2 Union of lndia, Represent by its Secretary, I\,4inistry of Finance, New Delhi Reserve Bank of lndia (RBl). Represent by its Chief General lManager, 6, Sansad Marg, New Delhi - 110001

3. AXIS BANK, Rep by its Chief Manager Ground Floor. Sriven Mall, Miyapur Rd, J P Nagar, CG Employees Colony, Ivlayuri Nagar, Miyapur, Hyderabad, Telangana 500049

4. YES BANK, Rep by its Chief lvlanager Ground Floor, Shop No.11, 77, NH 65, Gouthami Nagar Colony, Jawahar Colony. Chanda Nagar, Hyderabad, Telangana 500050

5. Northern Arc Capital Limited, Rep. by its chief manager, 0th, llTN/ Research Park, Kanagam Rd, Kanagam. Tharamani. Chennai. Tamil Nadu - 6001 13 6. RBL Bank, Rep. by its Chief lManager Shop no 5-4110 and 5-411 '1 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050

7. TATA CAPITAL Ltd, Rep. by its Chief N,'lanager, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, lvlaharastra - 400013

8. BAJAJ FINANCE Ltd, Rep. by its Chief l\lar,ager, 6th Floor, Bajaj Finsery Corporate Office, Pune-Ahmednagar Road. Viman Nagar, Pune, lvlaharastra - 411014

9. Hero Fincorp Ltd, Rep. by its Chief Manager 407 , 408 and 409, 4 Floor, Ashoka My Home Chambers, Chamber Commercial Complex, Sindhi Colony, Begumpet, Hyderabad, Telangana 500003 'l0.HDFC BANK Ltd, Rep by its Chief Manager PN 26,33/A and 34/B, Gr Flr, Delta House, Sy No 68, Allwyn Cross Road Miyapur, Hyderabad - 500049 Il.KISETSU SAISON FINANCE PRIVATE LTD. Rep. by its Chief Manager, lndiQube Lexington Tower, First Floor, Tavarekere Main Road, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029.

12.Kotak Mahindra bank Ltd, Rep. by its chief lt4anager Ground Floor - Office No .103, Premier Building, Plol No 35,36,41 85 42 Survey No 76, Madhapur Village, Senilingampally, Mandal, Hyderabad, Telangana 500081 ...RESPONDENTS Petition under Article 226 of the Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue Writ, Order or Direction more particularly one in the nature of Writ of Mandamus.

1. declaring the action of the respondent Nos.3 to 12 in high handedly, arbitrarily and illegally trying to recover the amounts from the petitioner by not following Circular dated 12.08.2022 vide RBll2O22-2311A8, DOR.ORG.REC.65/ 21 .04.15812022-23 {

2. issueC by respondent no.2 or any due process of law anc the inaction of the respondent no.2 lo legitimately protect lhe interest of the )etitroner by duly enforcing Circular dated 12 08.2022 vide RBll2022-231 108, DOR.ORG REC 65/21 04 1581 2022-23 as illegal, arbitrary zrnd unconstitutional for violating Art 14. 19, and 21 of the Constilution of lndia,

3. drrect the respondent nos RBv2022-231 108. DOR ORG 3 to '12 to follow Circular dat:d '12.08.2022 vide REC.65/21 04.15812022-23 isr;ured by respondent no.2.

4. direct the respcndent no.2 tc Culy- enforce the Circular da.ed 12.O8.2022 vide RBll2022-2311C8 DOR ORG REC.65/21 .O415812022-2 to prctect the interests of the petitioner against the respondent No.3 to 12

5. direct the respond€rnt no.2 to take stringent action against the errant official of the respondent Nos.3 to '12 in unlawfully, illegally and arbitrar ly taking to recover the amounts from petitioner without following any due process of law. lA NO: 1 OF 2025 Petition under Section 151 CPC praying that in the ci -cumstances stated in the affidavit filed in support of the petition, the High Court ntay be pleased to direct the respondent nos. 3 to 12 to not take any coercive mi)zlsures against the petitioner without follcwing due process of law and mandatori y following Circular dated 12.08.2022 vtde Rtsl I 2022-2311 08,DOR.ORG.REC.65/il1 . 04.15812022-2 issued by respondent no.2 pending disposal of the writ petitiorr. Counsel for the Petitioner: SMT THAKUR MANASWINI S|NGll, REP. FOR SRI BONTHU LOKESH PHANINDR/\ REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAI. OF INDIA Counsel for the Respondent No.4: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK & YES BANK WRIT PETITION NO: 20806 OF 2025 Between: Routhu Kumar, S/o Late Kanaka Rao Age 36 years, Occ Pvt Employee Fl/o Venkateswara Colony. Thatichetlapalem. Visakhapatnam (Urban) Andhra Pradesh-530016 ...PETITlONER AND

2. Union of lndia, Represent by it's Secretary, lt/inistry of Finance, New Delhi Reserve Bank of lndia (RBl). Represent by its Chief General Manager,6, Sansad Marg, New Delhi - 110001

3. HDFC BANK Limited, Rep by its Chief Manager PN 26, 33/48634/8, Gr Flr, Delta House, Sy No 68. AlNvyn Cross Road lrliyapur, Hyderabad - 500049. 4. INDUSIND Bank Limited, Rep by its Chief Manager 1-24B, Upper Ground Floor, Miyapur Cross Rbads. Eollaram. Telangana 500052

5. RBL Bank, Rep. by its Chief lv;anager Shop no 5-4110 8s 5-411 1 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050

6. IDFC FIRST BANK, Rep by its Chief Manager Ground Floor, Plot No 6-7, Survey No 68,Door No 1-121lKzl6-7. Nearby Athidhi Restuarant, Miyapur, Serilingampalle (M), Telangana 500049

7. SBI Cards and Payments Services Limited (SBl Card), Rep. by its Chief Manager, State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Road Secunderabad Telangana500003

8. YES BANK, Rep by its Chief lr4anager Ground Floor, Shop No.1 1 , 77, NH 65, Gouthami Nagar Colony, Jawahar Colony. Chanda Nagar, Hyderabad, Telangana 500050

9. NDX P2P Privale Limited, Rep by its Chief Manager 102, Lachiram Plaza, C Wing, GAKV Marg. Goregaon ( E). Mumbai, Maharashtra 400063

10. Muthoot Finance Ltd, Rep. by its Chief ltilanager, Muthoot Chambers, Opp Saritha Theatre Complex, Banerji Road, Kochi 682 0't8 ...RESPONDENTS Petition under Article 226 of lhe Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 10 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Crrcular dated , 12.08.2022 bearing No. RBll2022-231108, DOR.ORG.REC.65/21 .O4.15812022-23, and further declaring () lhe inaction of respondent No. 2 in enforcing the said Circular as unconstitutional and violatrve of Articles i4, 19, and 21 of the Constitution of lndia and consequently direct the respondenl authorities to refrain frorr undertaking any coercive or unlawful recovery measures against the petitic ner :rnd to strictly comply with the due process of law and the aforesaid Circ rlar in all recovery proceedings. and further restrain respondent Nos. 3 to 10, thr:ir agents, recovery agents. executives. managers, or any person acting on lheir behalf from engaging in any acts of intimidation, harassment, humiliation, cI intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or pirysical visits Io the petitioner's prernises. and further direct respondent No. 2 to en1'orce the said RBI

Circular in letler and spirit and to initiate appropriate and strirgent action against the errant of{icials of respondent Nos.3 to 10 for violating; legal norms. and pending disposal of lhe writ petrtion, direct the respondent lJos. 3 to 10 not to resort to any coercive measures against the petitioner ex( ept through lawful means and in strict adherence to the Circular daled 12.O8.2022 Counsel for the Petitioner: SMT THAKUR MANASWINI SINGI{, REP. FOR SRI BONTHU LOKESH PHANINDTIA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAI. OF INDIA Counsel for the Respondent No.4: SRI G.PRAVEEN KUMAR, SC FOR INDUSIND Counsel for the Respondent No.8: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK & YE:J BANK WRIT PETITION NO: 20886 OF 2025 Between: Srinivasulu Koduru, C/o. Ankireddy Koduru, Age. 3- years, Occ. Job Searching R/o. Thurpu Dubagunta, Kaligiri, Kondapurarr, Nellore, Andhra Pradesh - 524239. Presenlly Residing at 3rd floor,65/3RT, Street Number 3, Near Sony Wines, East Srinivas Nagar Colony, Srinivas Nagar, Sanje,:','a Reddy Nagar, Hyderabad, Telangana - 500038 AND

1. Union of lndia. Represent by its Secretary, Ministry of Finz nce, New Delhi 2 ...PETITIONER

2. Reserve Bank of lndia (RBl), Represent by ils Chief General Manager, 6, Sansad tvlarg. New Delhi - '1 10001

3. lclCl Bank, Rep by its Chief Manager, lClCl Bank Towers, Financial Dist, Plot No '12 Nanakramguda. Gachibowli. Hyderabad, Telangana 500032

4. SBI Cards and Payments Services Limited (SBl Card), Rep. by its Chief Manager, Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 18382 Oueens Plaza SP Road Secunderabad Telangana500003.

5. YES BANK. Rep by its Chief lr,4anagerGround Floor, Shop No.11,77, NH 65, Gouthami Nagar Colony. Jawahar Colony, Chanda Nagar, Hyderabad, Telangana 500050

6. HDFC BANK Limited, Rep by its Chief lvlanager PN 26, 33/A8434/8, Gr FIr, Delta House, Sy No 68. Allwyn Cross Road lViyapur, Hyderabad - 500049 7. IDFC FIRST BANK Lrmited, Rep by its Chief Manager Ground Floor, Plot No 6-7, Survey No 68. Door No 1-121lKzl6-7, Nearby Athidhi Restuarant, Miyapur, Serilingampalle (L4). Telangana 500049

8. AXIS BANK, AXIS BANK Rep by its Chief lvlanager Ground Floor, Sriven lVall, Miyapur Rd. J P Nagar, CG Employees Colony, Mayuri Nagar, Miyapur, Hyderabad, Telangana 500049

9. BoB Financial Solutions Limited. Rep. by its Chief Manager, Behind Diwan Shopping Centre,2nd and 4th Floor, Baroda House, S.V. Road, Jogeshwari, Mumbai, lvlaharashtra - 400102.

10.DBS Bank lndia Limited, Rep. by its Chief [\,4anager, Ground Floor, Express Towers, Nariman Pcint, Mumbai - 4OO021. 'tl.|NDUS|ND Bank Limited. Rep by its Chief l\/anager 1-248, Upper Ground Floor, Miyapur Cross Roads, Bollaram Telangana 500052

12.RBL Bank, Rep. by its Chref Manager Shop no 5-4110 and 5-411 1 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050

13. Northern Arc Capital Limited, Rep. by its chief manager, Oth, llTM RESEARCH PARK, Kanagam Rd, Kanagam, Tharamani, Chennai, Tamil Nadu 600113 I4.K|SETSU SAISON FINANCE PRIVATE LTD, Rep. by its Chief Manager, lndiQube Lexington Tower, First Floor, Tavarekere Main Road, Tavarekere, S.G. Palya, Bengaluru, Karnalaka 560029.

15.AD|TYA BIRLA CAPITAL, Rep. by its Chief Manager, One World Center, Tower 1, l Bth Floor, Jupiter Mills Compound, 841 , Senapati Bapat Marg, Elphinstone ...RESPONDENTS Petition under Article 226 of the Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 15 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and 8 high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular dated 'l 2.0i1 2022 bearing No. RBll2022-231108, DOR.ORG.REC.65/21 .04.15812022-23, ard further declaring the inaction of respondent No.2 in enforcing the said Circular .rs unconstitutionai and violatrve of Artrcles 14, 19, and 21 of the ConstitL tion of lndia. and consequently drrect the respondent authorities to refrain frc nr unclertaking any coercive or unlawful recovery measures against the petiti(,ner and lo strictly comply with the due process of law and the aforesald Circular in all recovery proceedings. and further restrain respondent Nos. 3 to 15, th,:i'agents. recovery agents. executives, managers, or any person acting on .herr beha!f from engaging in any acts ol intimidation, harassment, humiliation. or intrusion into the privacy of the petitioner or his family members, referees c r frrends. rnciuding persistent or anonymous calls, lhreatening messages, or plrysrcal vrsits to the petitioners premises, and further direct respondent No. 2 to en'orce the said RBI Circular in Ietter and spirit and to initiate appropriate and strir gent action against the errant ofiicials of respondent Nos. 3 to '1 5 for violatin(l legal norms, and pending disposal of the writ petition, direct the respondent lrlos. ll to 15 noi tc resort to eny coercive measures against the petitioner exi;ept through iav;fui means and in strict adherence to the Circular daled 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGI'1, REP, FOR SRI BONTHU LOKESH PHANINDIiA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAI. rf,F INDIA Counsel for the Respondent No.3 & 5: SRI SUDHARSHAN N/\RAHARI, SC FOR ICTCI BANK & YES BANK Counsel for the Respondent No.1't: SRI G.PRAVEEN KUMAFI, SC FOR INDUSIND Counsel for the Respondent No.14: Ms. RAMYA KUNAPAREDDY WRIT PETITION NO: 21101OF 2025 Between: Abhijit [\4andal, C/o. Pintu Mandal, Age 29 years, Occ Job Searching, FVo. Flat NO-246, Block-A4, 5th Phase, Janapriya Apartments, Near Old Police Station, Miyapur, Serilingampally, K.V. Rangareddy, Telarrgana - 500049 ...PETITIONER 9 AND 1 2 3 4 5 Union of lndia.. Represenl by its Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl). Represent by its Chief General Manager, 6, Sansad lt4arg, New Delhi - 110001 lClCl Bank. Rep. by rts Chief lVlanager, lClCl Bank Towers, Financial Dist. Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032 BAJAJ FINANCE Limited., Rep. by its Chief Manager, 6th Floor, Bajaj Finsery Corporate Office. Pune-Ahmednagar Road, Viman Nagar, Pune, Maharastra - 411014 Standard Chartered Bank,, Rep by its Chief lvlanager, C 38/39, G Block, Crescenzo Building, Sandra Kurla Complex-Bandra (East), Mumbai - 400051 . Nilaharastra.

6. HDFC Bank Limited, Rep 26, 33/4&34/8. Gr Flr, 500049 . by its Chief Manager, Sy No 68, Delta House, PN Allwyn X Road, Miyapur, Hyderabad, Telangana ...RESPONDENTS Petition under Artrcle 226 of lh'e Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of l\,1andamus, declaring the action of respondent Nos. 3 to 06 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed manner wilhout following the due process of law and in blatant violation of the Reserve Bank of lndia Circular daled 1210812022 bearing No. RBll2022-231 108, DOR.ORG.REC.65/21 .04.15812022-23, and further declaring the inaction of respondent No. 2 in enforcing the said Circular as unconstitutiona I anC violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings, and further restrain respondent Nos. 3 to 06, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intrmidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioners premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos.3 to 06 for violating legal norms, and It) pending disposal of the writ petition, direct the respondenl !,)s .J to 06 not to resort to any coercive measures against the petitioner ex )€.pt lhrough lawful means and in strict adherence to the Circular dated 12lo9l20i2 Counsel for the Petitioner: SMT THAKUR MANASWINI SING n REP. FOR SRI BONTHU LOKESH PHANINDR,A REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERA- OF INDIA Counsel for the Respondent No.3: SRI SUDHARSHAN NARI'HARl, SC FOR ICICI BANK & YES BANK WRIT PETITION NO: 21132 OF 2025 Between: Jeetender Singh, S/o. Late Pratap Singh, Age - 40 '/ears. Occ - Pvt. Employee, cJo. 10-4-7711364, M G Nagar, Masab tirnk VTC Asifnagar, Hyderabad, Telangana State, Pin code- 500028. .PETITIONER AND 1 2 Union of lndia, Represent by its Secretary, Ministry of Finance. New Delhi. Reserve Bank of lndia (RBl), Represent by its Chief (lr:neral Manager. 6, Sansad lvlarg, New Delhi - 1 10001

3. RBL Bank, Rep. by its Chief Manager Shop no 5-4110 Be €,-4l11 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050. 4 HSBC BANK, Rep. by its Chief Manager, HSBC lNDll JSBC UNIT NO 3 and 4, EAST WING, SATELLITE GAZEBO, GURU HAt GOVII.JDJI IUARG, ANDHERI EAST, IVUMBAI, INDIA, 4OOO93.

5. Standard Chartered Bank, Rep. by its Chief Manager, C 38i39. G Block, Crescenzo Building, Bandra Kurla Complex-Bandra (East). lVlumbai - 400051, l/aharastra.

6. SBI Cards and Payments Services Limited (SBl Carc ), Rep. by rts Chref Manager. State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Road Secur,derabad, Telangana 500003.

7. American Express Banking Corp., Rep. by its Ctrief ltrlanager. lvlGF Metropolitan 7th Floor, Office Block, District Center Saket, New Delhi - 110017. B. HDFC BANK, Rep. by its Chief Manager- HDFC Hous:, H T Parekh lr,4arg, 165-166, backbay Reclamation, Churchgate, Mumbai - 410020.

9. IDFC FIRST Bank, Rep. by its Chief Manager. The Sqrare, C-61, G Ground Floor to 8th Floor, Bandra Kurla Complex, Bandra East, L4r.tmbai - 400051. ...RESPONDENTS Petition under Article 226 of the Constitution of lndia praying thal in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction. more particularly in the nature of Wril of tvlandamus. declaring the action of respondent Nos. 3 to 9 tn attempting to recover amounts f rom the petitioner in an arbitrary, illegal. and high-handed manner without following the due process of law and in blalant violation of the Reserve Bank of lndia Circular daled 1210812022 bearing No. RBI t 2022-23 I 1 08. DOR. ORG. REC.65/2 1 .0 4.1 5A2022-23, a nd f urther decla ring the lnaction of respondent No. 2 in enforcing the said Circular as unconslilulional and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequen y direct the respondent authorities to refrain from undertaking any coerctve or unlawful recovery measures against the petitioner and to Strictly compiy with the due process of law and the aforesaid circular in all recovery proceedings. and further restrain respondent Nos' 3 to 9, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging tn any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitroner or his family members, referees or friends. including persistent or anonymous calls, threatening messages, or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos.3 to 9 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos' 3 to 9 not tb resort to any coercive measures against the petitioner except through lawful means and in stricl adherence to the Circular daled 1210812022 Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH' REP' FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.2: SRI K.RATHANGA PANI REDDY WRIT PETITION NO:21155 OF 2025 Between: Panchakarla Ganga Raju, S/o Panchakarla Andhara Kesari Kumar. ASe lJ yJrrs, O.c Busrn"ess R/o plot no 1330 and 1331 , sarada towers, Flat no Fl, Pragathi Nagar, Hyderbad, Bachupally. Medchai - lr,lalkajgiri Telangana- 500090 ..PETITIONER AND 1 2 Union of lndia, Represent by it's Secretary. t\,4rnistry of Frra rce. New Delhi Reserve Bank of lndia (RBl), Represenl by its Chief (leneral lVanager, 6, Sansad Marg, New Delhi - 110001

3. HDFC BANK Limited, Rep by its Chief lt4anager PN 26 :]3/48634/8, Gr Flr, Delta House, Sy No 68, Allwyn Cross Road ltrliyapur. HyC=rabad - 500049 4. Lendingkart, Rep. by its Chief Manager, Unil Number P 3 40 and PS 41, 3rd Floor, Birla Centurion, Pandurang Budhkar lrlarg. Worlr. l4Lrmbai. Nilaharashtra - 400 030

5. Riviera lnvestors Private Ltd., Rep by its Chief lllanag:r C-902, Park View SPA, Near DPS Primary Wing, Sector 47, Gurgaon. Harya'ta. 122OO1

6. Arka Fincap Limited, Rep by its Chief lt/anager 250,1. One Lodha Place, Senapati Bapat Marg, Lower Parel, Mumbai 400013. [!t;',arashtra .RESPONDENTS Petition under Article 226 oI lhe Constitution of lndi; craying that in the circumstances stated in the affidavil filed therewith, thc -l gh Court may be pleased to issue an appropriate Writ, Order. or Direction, nr(.rrt particularly in the nature of Writ of Mandamus, declaring the action of resporrc ent Nos. 3 to 6 in attempting to recover amounts from the petitioner in an : rl)rtrary, illegal, and high-handed manner without following the due process o law and in blatant violation of the Reserve Bank of lndia Crrcular dated '1 2.A8..2022 bearing No. RBll2O22-231't08, DOR. ORG. REC 65/ 21 04.1581 2C22-23, and further declaring the inaction of respondent No.2 in enforcing he said Circular as u nco nstitutiona I and violative of Articles 14, 19, and 21 ot the Constitution of lndia, and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures . gainst the petitioner and to strictly comply with the due process of law and the af rresaid Circular in all recovery proceedings, and further restrain respondent Nos :i to 6, their agents, recovery agents, executives, managers, or any person actin,) cn their behalf from engaging in any acts of intimidation, harassment, humiliatror, or inlrusion into the privacy of the petitioner or his family members, referees or frrends, including persistent or anonymous calls, threatening messages, or :hysical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI l3 Circular in letter and spirit and to initiate appropriate and stringent action againsl the errant officials of respondent Nos.3 to 6 for violating legal norms. anc pending disposal of lhe writ petition, direct the respondent Nos. 3lo 6 not to resofi to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12.O8.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA WRIT PETITION NO: 21712 OF 2025 Between: Akkisetti Harikrishna, S/o. A Esubabu, Age. 31 years, Occ Pvt Employee. R1o. H.NO. 1-121, Sundaraiah Colony, Wazeedu [\/andalam. Gummadidoddi Chalka, Wazeed, Khammam, Telangana - 507136 ...PETITIONER AND 1 2 J Union of lndia, Represent by it's Secretary, Ministry of Finance. New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Alanager. 6, Sansad lvlarg, New Delhi - 110001 lClCl Bank, Rep. by its Chief Manager, lClCl Bank Towers. Financial Dist. Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032 4 HDFC Bank Limited, Rep. by its Chief Ma 26, 33/48634/8, Gr Flr, Allwyn X Road 500049 nager, Sy No 68, Deita House, PN , Miyapur, Hyderabad. Telangana

5. AXIS BANK, Rep by its Chief Manager Ground Floor. Sriven Mall. lrliyapur Rd, J P Nagar, CG Employees Colony, lrlayuri Nagar, I\,4iyapur. Hyderabad, Telangana 500049

6. Northern Arc Capital Limited, , Rep. by its chief manager, Oth, llTlV RESEARCH PARK, Kanagam Rd, Kanagam, Tharamani, Chennai, Tamil Nadu 600113

7. North East Small Finance Bank Limited, Rep by its Chief Manager, 1st AND 3rd Floor, Fortune Central, Basisthapur, Bye lane 3, Beltola, Guwahati, Assam 781028.

8. BoB Financial Solutions Limited, Rep. by its Chief Manager, Behind Diwan Shopping Centre,2nd and 4th Floor, Baroda House, S.V. Road, Jogeshwari, lt/umbai, It/aharashtra - 4OO1O2.

9. KRAZYBEE Services Private Limited, Rep. by its Chief Manager, The Royal Stone Park, No. 100, Sakshi Nagar, Pai Layout, Bennigana Halli, Bengaluru, Karnataka - 560016. IO.K|SETSU SAISON FINANCE PRIVATE LTD. Rep bv its Chief lvlanager, lndiQube Lexington Tower, First Floor Tavarekere lvla r lload, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029.

11. RBL Bank Limited, Rep, by its Chief l\,4anager Shop no 5-4110 and 5-4111 Ground floor, Chanda Nagar, Hyderabad. Telangana 500()50

12. INDUSIND Bank Limited, Rep by its Chief lt4anager 1 -2'18, Upper Ground Floor, Miyapur Cross Roads, Bollaram. Telangana 50005:l

13.SBl Cards and Payments Services Limited. (SBl Card ! Bep by it9 Chief Manager,DlF CybeT City, Tower C, Block 2. Building 3 )-F lnfinity Towers, 12th Floor, Gurugram. HR - 122002

14.S1 CREVA CAPITAL, Rep by its Chief ltrlanager, 'lOth Flror, Tower 4, Office unit 2, 3 and 4, Equinox Park, LBS Marg. Kurla West, IVlurbai, Maharashtra 400070, lndia. 'l 5. Oxyzo Financial Services Pvt Tower-A, Global Business Gurugram, Haryana 122002 Ltd. Rep by ils Chief ivlanager, 1st Floor, Park, tulehrauli-Gurgaon Fload, Sector 26,

16. Mas Financial Services Limited. Rep by its Chref Manage-, 4th Floor, Narayan Chambers, B/h Patang Hotel, Ashram Road, Ahmedabad - 380009, Gujarat

17.Upmove Capital Private Limited, Rep by its Chief l\,4anagerr, lndiqube Gamm.q, No. 29311541172, 1st Floor. Outer Ring Road, Kadubeesanahalli, IVlarathahalli, Bangalore- 560103, Karnataka, lndia

18.FINC FRIENDS Private Limited, Rep by its Chief [\4ana3er, No. 1/2, Lalitha Nilaya, 4th Cross, RltrlV ll Stage, Bhoopsandra, Bengaluru Bangalore KA 560094 ...RESPONDENTS Petition under Article 226 of Ihe Constitution of lndia prraying that in the circumstances stated in the affidavit filed therewith. the 11irlh Court may be pleased to issue an appropriate Writ, Order, or Direction, mo'e particularly in the nature of Writ of Mandamus, declaring the action of responc ent Nos. 3 to 1B in attempting to recover amounts from the petitioner in an a-bitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular dated 12.03.2022 bearing No. RBll2O22-231 108, DOR.ORG.REC.65/21 .04.15812022-23, ard further declaring the inaction of respondent No.2 in enforcing the said Circular as u nco nstitutional and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the respondent authorities to refrain fronr undertaking any coercive or unlawful recovery measures against the petiti,:ner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings, and further restrain respondent Nos. 3 to 18, their agents, recovery f-i agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment. humiliation. or intrusion into the privacy of the petitioner or his family members, referees or friends. including persistent or anonymous calls, threatening messages, or physical visits lo the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos. 3 to 18 for vlolating legal norms, and pending disposal of the writ petition, direct the respondent Nos. 3 to 18 not to resort to any coercive measures against the petitioner lawful means and in strict adherence to the Circular dated 12.O8.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.3: SRI SUDHARSHAN NARAHARI' SC FOR ICICI BANK Counsel for the Respondent No.l2: SRI G.PRAVEEN KUMAR, SC FOR INDUSIND WRIT PETITION NO: 21937 OF 202s Between: Raavi Naga Venkata Sri Ramana, S/o Ravi Prasad, Age 36 years, Occ. Business -Rl,/o H No *16112, Nehru Nagar, Near Police Station, Bapulapadu lrlandalam, Krishna District, Andhra Pradesh - 5211O5 ...PETITIONER AND 1 2 3 4 5 Union of lndia, Represent by it's Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager, 6, Sansad Marg, New Delhi - 1 10001 IDFC FIRST BANK, Rep by its Chief Manager Ground Floor, Plot No 6-7, Survey No 68, Door No 1-121lKzl6-7, Nearby Athidhi Restuarant' Miyapur, Serilingampalte (M), Telangana 500049 YES BANK, Rep by its Chief Manager Ground Floor, Shop No.1'1 , 77, NH 65' GouthamSi Nagai Colony, Jawaliar Colony, Chanda Nagar, Hyderabad, Telangana 500050 KOTAK MAHINDRA BANK, Rep. by its Chief Manager, 36-38A, 3rd Floor, Nariman Bhavan, 227 l.lariman Point, Mumbai, Maharashtra - 400021- l()

6. Poonawalla Fincrop Pvt Ltd. Rep by i1s Chief Manager ',01 and 202, 2nd Floor, AP81 , Koreg'aon Park Annex l\,4 und hwa. Pune, Mahe rashtra-41 1036 7. PayU Finance lndra Private Limited, Rep by its -Chief lvlanager, F.prg:? BuitOing, Office No .102 Second Road. Khar West, Mumbai, [t/aharashtra, 400 052 B. mPokket, Rep by its Chief l\,4anager. PS Srijan Corporate Park, Tower 1, 120, Floor, Unit Nb. 1204. 2. EP And GP, Sectbr V, Bidhannailar, Kolkata, West Bengal- 700091 ...RESPONDENTS Petition under Artjcle 226 of lhe Constitutron of lndia praying that in the circumstances stated in the affidavit filed therewith, the l-'i9h Court may be pleased to issue an appropriate \y'/ril. OrCer. or Direction. more particularly in the nature of Writ of t\rlandamus. declaring the action of respon(t€nt Nos. 3 to 8 in attempting to recover amounts from the petitioner in an aroitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndra Circular daled 12.Ot\.',)-022 bearing No. RBlt2O22-231 1 08,DOR.ORG. REC 6 5/2 1 .0 4. 1 58 1 2022-23, a n C further declaring the inaction of respondent No. 2 in enforcing the said Circular as unconstitutional and violative of Articles 14, 19. and 21 of the Constitution of lndia, and consequently direct the respondent authorities to refrain frorr undertaking any coercive or unlawful recovery measures against the petitic ner and to strictly comply with the due process of law and the aforesaid Circ -rlar in all recovery proceedings, and further restrain respondent Nos. 3 to B, th(ir agenls, recovery agents, executives, managers. or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, o - intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or plrysical visits to the petrtioner's premises, and further direct respondent No. 2 to en'orce the said RBI Circular in letter and spirit and to initiate appropriate and strirgent action against the errant officials of respondent Nos.3 to 8 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos. 3 to B not to resort to any coercive measures agarnst the petitioner exr;ept through laMul means and in strict adherence to the Circular daled 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGI{, REP. FOR SRI BONTHU LOKESH PHANINDIIA REDDY t1 Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel forthe Respondent No.4: SRI SUDHARSHAN NARAHARI, SC FOR YES BANK Counsel forthe Respondent No.6: Ms. K.RAMYA WRIT PETITION NO: 21990 OF 2025 Between: Guilari Sheshadri, S/o Gujari Srinivas Age. 39 years. Occ. self Employee Fl/o 1-{-252l1OlBl1lC, east mch colony. Ramnagar, lvlusheerabad, Hyderabad. Telangana- 500020 ...PETITIONER AND 1 2 Union of lndia, Represent by it's Secretary. N4inistry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by rts Chief General lvlanager, 6, Sansad Marg, New Delhi - 1'10001

3. HDFC Bank Limited, Rep. by its Chref Manager. No 1i '10/60/3 Begumpet Hyderabad - 500016

4. lclCl Bank, Rep. by its Chief lvtanager, lCiCl Bank Tcwers, Financial Dist, Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032

5. IDFC FIRST BANK, Rep by its Chief lvlanager Ground Floor, Plot No 6-7, Survey No 68, Door No 1-121lKzl6-7, Nearby Athidhi Restuarant, Miyapur, Serilingampalle (M), Telangana 500049

6. INDUSIND Bank Limited, Rep by its Chief Manager 1-248, Uppil Ground Floor, Miyapur Cross Roads, Bollaram, Telangana 500052 ...RESPONDENTS Petition under Article 226 of lhe Constituiion of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 6 in attempting to recover amounts from lhe petitioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No. RBll2O22-23t 108, DOR.ORG.REC.65/21 .04.15812022-23, and further declaring the inaction of respondent No. 2 in enforcing the said Circular as u nconstit utiona I and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the respondent aulhorities lo refrain from undertaking any IS coercive or unlawful recovery measures against the petiticner and to strlctly comply with the due process of law and the aforesaid Circ llar in all recovery proceedings, and further restrain respondent Nos. 3 to 6, the ir agents, recovery agents, executives. managers. or any person acting on their behalf from engaging in any acts of rntrmidatron. harassment, humiliation, cr intrusion inlo the privacy of the petrtroner or his family members, referees or friends, including persistent or anonymous calls. threatening messages, or physical visits to lhe petitioners premises. an<J furlher direct respondent No.2 to erlorce the said RBI Circular in letler and spint and to rnrliate appropriate and stringent action against the errant officials o{ respondent Nos 3 to 6 for violating legal norms, and pending disposal of the writ petrtion. direct the respondent Nos.3lo 6 not to resort to any coercive measures against the petitioner exc,ept through lawful means and in strict adherence to the Circular daled 12.08.2022 Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANIND]IA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAI. OF INDIA Counsel for the Respondent No.4: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK Counsel for the Respondent No.6: SRI G.PRAVEEN KUMAR, SC FOR INDUSIND WRIT PETITION NO: 21997 OF 2025 Between: Cheedipudi Suneela Devr, W/o Cheedipudi Subba Reddy Age. 49 years, Occ. Business RJo 1 5-8-94, 4th line, Jakeer Hussain N agar, Old Guntur, Kothapeta, Guntur, Andhra Pradesh- 522001 .,.PETITIONER AND 1 2 Union of lndia, Represent by its Secretary, tMinistry of Finzrnce, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief C eneral Manager, 6, Sansad Marg, New Delhi - 110001

3. ADITYA BIRLA CAPITAL, Rep. by its Chief Manager, lirishti Tower, H No 119812111/3, City Rd, VIP Hills, Jaihind Enclave, Marll'rapur, Hyderabad, Telangana-500081 I,) 5 4 Muthoot finance Limited- Rep by its Chief ltrlanager, First Floor, Srinivasa Complex, Piller number 813. H No 15'21-4612, M J Colony, Balaji Nagar, Kukatpally, Hyderabad. Telangana 500072 Piramal Capital and Housing Finance, Rep by its Chief Manager,-601, -6th Floor, Amiti Building, Agastya Corporate Park. Kamani Junction, Opp. Fire Station, LBS lvlarg, Kurla(W), I\rlumbar - 400070 KISETSU SAISON FINANCE PRIVATE LTD, Rep. by its Chief Manager, lndiQube Lexington Tower. Frrst Floor. Tavarekere lVlain Road, Tavarekere, S.G. Palya, Bengaluru, Karnalaka 560029. Credit Right Finance Pvt Ltd Rep by its Chief l\/anager 61!r Flo^o1 Vasavi Qky City, Tel6com Nagar Bearrng offrca Units No 604 to 605, Gachibowli Cir, Telecom Nagar, Gachibowli Telangana - 500032 Neocrowth Credit Pvt. Ltd. Rep by ils Chief lt4anager, Times Square, Tower E, 9th Floor, Andheri-Kurla Road. Marol. Andheri East, Mumbai- 400059' Maharashtra. Arthmate Financing lndia Frivate Ltd. ( ,4amta Project Private Limitqd) RStp Ql its Chief Manager-Room No. 1528. 15th Floor, Bengal lntelligent-Eco Em-3, Sector - V, Salilate City, Kclkata. Kolkata. West Bengal lndia - 70009'1 o o 7 .,,RESPONDENTS Petition under Article 226 of the Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith' the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 9 in attempting to recover amounts from the petrtioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Crrcular daled 12.08.2022 bearing No. RBlt2O22-23t 1 08, DOR. ORG. REC.65/2 1 04 -1 581 2022-23, and further declaring the inaction of respondent No. 2 in enforcing the said Circular as unconstitutional and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the responcent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid circular in all recovery proceedings, and further restrain respondent Nos. 3 to 9, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the pelitioners premises, and further direct respondent No. 2 to enforce the sa id RBI l(l Circular in letter and sprrrt and to inittate appropriate and strir gent action agarnst the erranl officials of respondent Nos.3 to 9 for violatincl legal norms. and pending disposal of the wrrt petition, direct the respondent Nlos. 3 to I not to resorl lo any coercive measures against the petitioner exoept lhrough lawful means and rn slncl a(iherence to the Circular daled 12.08.2422. Counsel for the Petitioner: SMT THAKUR MANASWINI S|NGll, REP, FOR SRI BONTHU LOKESH PHANINDIlA REDDY Counsel lor the Respondent No.1: Dy. SOLICITOR GENERAI- OF INDIA WRIT PETITION NO: 21999 OF 2025 Between: Pedavathi Bala Shekar. S/o. Kistaiah, Age. 29 years, Oc c. Business, R/o. 4- 34. Magdump;:il.v Makdum PO, Maqdoompally, Bibinagar, Nalgonda. Telnagana - 508285 ...PETITIONER AND 1 2 Unron of lndla. Represent by its Secretary, Ministry of Fin;lrrce, New Delhi Reserve Bank o[ india (RBl), Represent by its Chief Oerneral lvlanager, 6 Sansad Marg, New Delhi - '1 '10001

3. AXIS BANK, Rep by its Chief Manager Ground Floor, liriven Mall, Miyapur Rd, J P Nagar. CG Employees Colony, Mayuri Nagar, l,4iyapur, Hyderabad, Telangana 500049

4. HDFC Bank Limited, Rep. b 26. 331A863418. Gr Flr, Al 500049 y its Chief Manager, Sy No rlti, Delta House, PN lwyn X Road, Miyapur, HyJerabad, Telangana

5. lClCl Bank. Rep by its Chief Manager, lClCl Bank To rv,:rs, Financial Dist. Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telarrgana 500032

6. INDUSIND Bank Limited, Rep by its Chief Manager 1 248, Upper Ground Floor. Miyapur Cross Roads, Bollaram, Telangana 50005 2

7. RBL Bank. Rep. by its Chief Manager Shop no 5-4l 10 and 5-4l 1 1 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050 8 ONE CARD, Rep by its Chief Manager, Disha Bldg, liy.No. 127, Mahavir Park, Pune, lvlaharastra - 411045. L IDFC FIRST BANK Limited, Rep by its Chief Manager Ground Floor, Plot No 6-7, Survey No 68, Door No 1-121111216-7, Nearby lrthidhi Restuarant, Miyapur, Serilingampalle (M), Telangana 500049

10.SBl Cards and Payments Manager, DLF Cyber City, 1211 Floor, Gurugram, HR Services Limited (SBl Card'., Rep. by its Chief Tower C, Block 2, Building 3 D'LF lnfinity Towers, - 122002 ...RESPONDENTS Petition under Article 226 oI lhe Constrtution of lndia praying that in the circumstances stated in the af{idavit filed therewith, the High Court may be pleased to issue an appropriate Writ. Order. or Direction, more particularly in the nature of Writ of Mandamus. declarrng the action of respondent Nos. 3 to 10 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed manner without lollowing the due process of law and in blatanl violation of the Reserve Bank of lndia Circular daled 12.O8.2022 bearing No. RBll2O22-231 108, DOR.ORG REC.65/21 .O4.15812022-23, and further declaring the inaction of respondent No. 2 rn enfcrcing the said Circular as unconstitutiona I and violative of Articles 14. 19. and 21 of the Constitution of lndia, and consequently direct the respondent aulhorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings, and further restrain respondent Nos, 3 to 10, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, lhreatening messages, or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos. 3 to 10 for violating legal norms, and pending disposal of the writ petition. direct the respondent Nos. 3 to 10 not to resort to any coercive measures against lhe petitioner except through laMul means and in strict adherence to the Circular daied 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.5: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK Counsel for the Respondent No.6: SRI G-PRAVEEN KUMAR, SC FOR INDUSIND )2 WRIT PETITIO N NO: 22173 OF 2025 Between: Jalla Kameswara Rao, S/o. J Latchumu Naidu Age :lgr years, Occ' Job Searching. R' o 1-1 , Polaki, Dola, Srikakulam, Andhra Pr'rcresh - 532425 ...PETITIONER AND 1 2 3 4 5 6 'Employees Union of lndia. Represent by it's Secrelary, Ministry of Finarrce. New Delhi Reserve Bank of lndia (RBl), Represent by its Chief (ie:neral Manager, 6' Sansad ltlarg. New Delhi - 1 10001 AXIS BANK. Rep by its Chief Manager Ground Floor. Sriven ttrlall. Miyapur Colony, Mayuri Nagar, 14 yapur' Hyderabad, Rd . J P Nagar CG Teiangana 500049 HDFC BANK t-imited, Rep by its Chief Manager No 1 10/6C/3 Suryodaya, Begumpet. Hyderabad, Telangana 50001 6 REL Bank. Rep. by its Chief Manager Shop no 5-4lii =r'd flcor. Chanda I'Jagar, Hyderabad, Telangana 500050 KISETSU SAISON FINANCE PRIVATE LTD., Rep. b'r its Chief [t'4anager, Aw.frs. Somajrguda, 3rd Floor, Oyster Oasis Co nplex, Somajiguda Hyderabad, Telangana 5000'1 6. 5 4,/'1 1 Ground ...RESPONDENTS Petitron under Article 226 of the constitution of lnditr praf ing that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, mor3 particularly in the nature of Writ of Mandamus, declaring the action of respo l(lent Nos 3 lo 6 in attempting lo recover amounts from the petitioner in an ilrbitrary, rllegal, and high-handed manner without following the due process ci law and in blatant violation of the Reserve Bank of lndia Circular dated 12. )f\.2022 bearing No. RBll2O22-23t 108, DOR.ORG.REC.65/21.04 .1 5812022-23 z nd f urther declaring the inaction of respondent No. 2 in enforcing the said circul,:r as u nco n stitutiona I and violative of Articles 14, 19, and 21 of the ConstitLtion of lndia, and consequently direct the respondent authorities to refrain frc'm undertaking any coercive or unlawful recovery measures against the petiiioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings. and further restrain respondent Nos. 3 to 6, th,-'ir agents, recovery agents, executives, managers, or any person acting c'n their behalf from engaging in any acts of intimidation, harassment, humiliatio-r, or intrusion into the 1l privacy of the petitroner or his family members, referees or friends' including persistent or anonymous calls. threalening messages, or physical visits to the petitioner's premises. and furlher direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondenl Nos.3 to 6 for violating legal norms, ancl pending disposal of the writ pelition. direct the respondent Nos. 3 to 6 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH' REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA WRIT P ETITION NO: 22203 OF 2025 Between: Pallati Jagadishwar. Age. 41 years, Occ. Job Searching Ri/o H.no.13-6.'.lndira statue lane, Nallagandla, Tellapur, Medak' nagar, b"eside. Ambddhkar Telanga na-502032. - ...PETITIONER AND 1 2 3 4 5 Union of lndia,, Represent by its Secretary, Ailinistry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager' 6, Sansad Marg, New Delhi - '1 10001 lClCl Bank, Rep. by its Chief lvlanager, lClCl Bank Towers, Financial Dist' Plot No 12 Nanikramguda, Gachibowli, Hyderabad, Telangana 500032 HDFC BANK Lrmited, Rep by its Chief Manager PN 26, 33/48 and 3418, Gr itr, Oetta House, Sy No 6t3, Allwyn Cross Road Mlyapur, Hyderabad - 500049 SBI Cards and Payments Services Limited (SBl Card)- .Rep.- by it.s Chief Manager, DLF Cyber City. Tower C, Block 2, Building 3 DLF lnfinity Towers, 12th Floor, Gurugram, HR - 122OO2

6. AXIS BANK, Rep by its Chief Manager Ground Floor, Sriven Mall, Ivliyapur - CJ, I e tlagar, bG-Employees Colony. Mayuri Nagar, Miyapur, Hyderabad, Telangana 500049

7. RBL Bank, Rep. by its Chief Manager Shop no 5-4110 86 5-411 1 Ground floor, Chanda Nagai, Hyderabad, Telangana 500050 B KISETSU SAISON FINANCE PRIVATE LTD., Rep. bv its Chief Manager. lndiQube Lexington Tower, First Floor, Tavarekere Main Road, IavareKere' S.G. Palya, Bengaluru, Karnataka 560029

9. HERO FINCORP, Rep. by its Chief Manager, A-44, Mohan Cooperative lndustrial Estate, Mathura Road, New Delhi - 110044. l.+

10. NDX P2P Private Limited,, Rep. by its Chief lVlanager. 1 ;t Floor, B-104, The Qube C.T.S.No.149B, N2, M.V. Road, Hasan Pada R( ad t\4itlal lndustrial Estate. [\4arol Andheri (East), Mumbai, Maharashtra 400()l;9 ll GROWW CREDITSERV TECHNOLOGY PRIVATE Lll/'llTED Rep by its Chief [Manager, Vaishnavi Tech Park, South Tower. 4trr Floor, Survey No. 16i 1 and 1712, Ambalipura Village, Varthur Hoblr. E,ellandur Bangalore Karnataka lndia 560103 RESPONDENTS Petrtion under Article 226 of the Constitution of lndia prraying that in the circumslances stated in the affidavit filed therewith, lhe lli,lh Court may be pleased to issue an appropriate Writ, Order, or Direction. nro-e panicularly in the nature of Wrrt of Mandamus, declaring the action of respcnrlent Nos. 3 to 1'1 in atlempting to recover amounts from the petitioner in an .r-bitrary. illegal, and high-handed manner without following the due process of law and in blatant violatron of the Reserve Bank of lndia Circular daled 12iC8,2022 bearing No. RBll2022-231 108, DOR.ORG.REC.65/21 .04.15812022-23 arrl further declaring the inaction of respondent No.2 in enforcing the said Circula: as unconstitutional and violative of Articles 14, 15, and 21 of the Constil rtion of lndia, and consequently direct the respondent authonties to refrain f r rrn undertaking any coercave or unlawful recovery measures against the pet t o rer and to strictly comply with the due process of law and the aforesaid Crr;ular rn all recovery proceedings, and further restrain respondenl Nos. 3 to i 1 . tireir a!lents, recovery agents. executives, managers, or any person acting on therr behalf from engaging rn any acts of intimidation, harassment, humiliation. ()r intrusion into the privacy of the petitioner or his family members, referees o' frienCs. including persistent or anonymous calls, threatening messages. or Jrl-ysical visits to the petitioner's premises, and further direct respondent No. 2 to elforce the said RBI Circular in letter and spirit and to initiate appropriate and str ngent actron against the erranl officials of respondent Nos. 3 to 11 for violatirrgl legal norms, and pending disposal of the writ petition, direct the respondent l,los. 3 to 11 not to resort to any coercive measures against the petitioner e ((:ept through lawf ul means and in strict adherence to the Circular daled 12.08 2(,22. Counsel for the Petitioner: SMT THAKUR MANASWIN| StN(;H, REP. FOR SRI BONTHU LOKESH PHANINI)RA REDDY Counsel for the Respondent No.1 : Dy. SOLICITOR GENER,\I- OF INDIA 25 Counsel for the Respondent No.3: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK WRIT PETITION NO: 22280 AF 2025 Betwee n: Chetty Deepak Anand, S/o Chetty Viiay Anand Age- 41 Years. Occ- Job Searihing. Rlo E - 205, 1st Floor, Taraka Rama Enclave, Shanlhi Nagar, Near Subramanyam Swamy Temple, Vishakapatnam, Andhra Pradesh - 530009. Preseritly Residing At - H. No. 42-47813012, Shiridi Mills, Jagathgirigutta QLithbullapur, tMedchal - Malkajgiri, Telangana - 500037 ...PETITIONER AND

1. 2 3 4 ( 6 7 Unicn of lndia, Represent by its Secretary, Ministry of Finance, New Delhi Reserve Bank cf lndia (RBl), Represent by its Chief General Manager. 6. Sansad ltilarg. Nlew Delhi - 110001 HDFC Bank Ltd. Rep. by its Chief Manager No.1/10/60/3. Sun/cdai'a Begumpet, Hyc erabad, Telangana 50001 6 lClCl Bank. Rep. by its Chief Manager, lClCl Bank Towers, Financial Dist. Plot No 12 Nanikramguda, Gachibowli, Hyderabad, Telangana 500032 INDUSIND BANK Ltd, Rep. by its Chief Manager, Durga Tower, Plol No 1-8- 43511t2, 1-8-436. 1, Sardar Patel Rd., Begumpet, Secunderabad, Telangana- 500016 Kotak Mahindra Bank Limited, Rep. by its Chief Manager Jewel Pawani Tower, 631 1091 1\PGZ,Somajiguda, Hyderabad, Telangana 500082 YES BANK, Rep. by its Chief lVlanager Bearing No 1/8/387, GF, Agravanshi Plaza Huda. Lahe, off Sardar Patel Road, Begumpet, Hyderabad. Telangana 500003 ...RESPONDENTS Petition under Article 226 of lhe Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 7 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of India circular daled 12.08.2022 bearing No. R}tt2o22-231 108, DOR.ORG.REC.65/21.04.15812022-23, and further declaring the inaction of respondent No.2 in enforcing the said Circular as u nconstitutiona I and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the respondent authorities to refrain from undertaking any l6 coercive or unlawful recovery measures against the pelitioner and to strictly comply with the due process of law and the aforesard Crrcular rn all recovery proceedings, and further restrain respondent Nos. 3 to 7, th(rr agents. recovery agents, executives, managers, or any person acting on iherr behalf from engaging in any acts of intimidation, harassmenl. humr ation. or intrusion into the privacy of the petitioner or his family members. referees c r friends, including persistent or anonymous calls, threatenrng messages, or p rysrcal visits to the petilioners premises, and further direct respondent No. 2 to ( nforce the said RBI Circular in letter and spirit and to initiate appropriate and strinctent action against the errant officials of respondent Nos.3 to 7 for violatinrl legal norms, and pending disposal of the writ petition, direct the respondent lJos.3 to 7 not to resort to any coercive measures againsl lhe peiitioner exropt through lawful means and in strict adherence to the Circular daleci 12 08.2()'.li: . Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1 : Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.4 & 7: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK Ti YES BANK Counsel for the Respondent No.5: SRI G.PRAVEEN KUMAR, SC FOR INDUSIND WRIT PETITION NO: 23777 OF 2025 Between: Lekkala Mahendra Reddy, S/o. Sankarareddy, Age. .37 years, Occ. lT Employee (Job Lost), t\/ythri Lake View, Villa Number 80. Road number-3, Nehru Outer Ring Rd, Gandhi Nagar. [Vlallampet, HyJr:rabad. Telangana- 50232s AND 1 2 Union of lndia, Represent by it's Secretary, Ivinistry of Frrance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager, 6, Sansad Marg, New Delhi -'1 1000'1

3. AXIS Finance Limited, Rep by its Chief Manager, 731A. Park View Enclave, Jubilee Hills, Hyderabad, Telangana 500033 ...PETITIONER 21

4. BAJAJ FINANCE Limited, Rep. by its Chief Manager. 6th Floor, Ba;aj Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar, Pune, It4aharastra - 411014.

5. Pay U Finance lndia Private Limited, Rep by its Chief l\/anager Empresa Building. Officer No. '102 Second Road, Khar West, IVumbai. lVlaharshtra - 400 052 ,

6. Cap Float Financial Services Private Limited, Rep by its Chief lVanager New No. 3 (Old No. 21 1), Gokaldas Platinum, Upper Palace Orchards. Bellary Road. Sadashiva Nagar, Bengaluru - 560080.

7. Karur Vysya Bank Limited, Rep by its Chief lVlanager, FgV5 PGC PLOT NOS.46 TO zi9, Madhava Nagar Colony Kandi Complex. Near Sai Ranga Theatre lvliyapur, Hyderabad - 500049 ...RESPONDENTS Petitron under Article 226 o'f the Constitution of lndia praying that rn the circumstances stated in the affidavit fited therewith, the High Court may be pleasecl to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 07 in atternpting lo recover amounts from the petitioner in an arbitrary. illegal, and hrgh-handed ' manner without following the due process of law and in blatant vrolation of the Reserve Bank of lndia Circular dated 12.08.2022 bearing No. RBll2022-231 108, DOR.ORG.REC.65/21.04.15812022-23, and further declaring the inaction of respondent No. 2 in enforcing the said Circular as u nconstitutiona I and violative of Articles '14, 19, and 21 of the Constitution of lndia. and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedrngs, and further restrain respondent Nos. 3 to 07, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos.3 to 07 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos. 3 to 07 not to resort to any coercive measures againsl the petitioner ert;e pt lhrough lawful means and in strict adherence to the Circular daled 1210812022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGI{, REP. FOR SRI BONTHU LOKESH PHANINDII,q REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAI- OF INDIA Counsel for the Respondent No.4: SRI R.MANGULAL WRIT PETITION NO: 23778 OF 2025 Between: Gullipalli Madhu Sudana Rao, C/o. Gullipalli Narayana, Age 50 years, Occ Pvt- Employee, RJo. Plot Nc- 37, East Part, Subash Na,l.rr, Near Lakshyam Global School, Qutubullapur. Ir,4edchal - IVlalkajgiri District. Telangana - 500055 ...PETITIONER AND 1 2 Union of lndia, Represent by its Secretary, lV1inistry of Finirrrce, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief Oeneral Manager,6, Sansad Marg, New Delhi - 110001

3. HDFC Bank Limited, Rep by its Chief Manager, Sy No i)€;, Delta House, PN 26,33lA and 3418, Gr Flr, Allwyn X Road, lvliyapur, Hyd,:rabad, Telangana 500049

4. INDUSIND Bank Limited, Rep by its Chief Nlanager 1- 248, Upper Ground Floor, I\Iiyapur Cross Roads, Bollaram, Telangana 5000512

5. lclcl Bank, Rep. by its Chief lVlanager, lClCl Bank To'air:rs, Financial Dist, Plot No '12 Nanakramguda, Gachibowli, Hyderabad, Telarrgana 500032

6. SBI Cards and Payments Services Limited, (SBl Card). Rep. by its Chief Manager, State Bank of lndia Credit Cards Unit Nos 3C 3l) and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Rc,ad Secunderabad Telangaria500003

7. YES BANK, Rep by its Chief l/anager Ground Floor, Shop No. 1'1, 77, NH 65, Gouthamsi Nagar Colony, Jawahar Colony, Chanda lJagar, Hyderabad, Telangana 500050

8. The South lndian Bank Ltd, Rep by its Chief Manager, FIIPQ + 5Q7, PLOT NO. 541 & 542, UNIT NO. G2 & G3, NEAR RAJIV CIIICLE, 6TH PHASE, KPHB COLONY, KUKATPALLY P.O., RANGA REDI)|, KPHB Phase 6, Kukatpally, Hyderabad, Telangana 500085

9. BAJAJ FINANCE Limited, Rep. by its Chief lt/anager, 6tl' [:loor, Bajaj Finsery Corporate Office, Pune- Ahednagar Road, Viman Nagar, )une - 411 014. 10.RBL Bank Limited, Rep. by its Chief [Vlanager Shop n,r 5- 4110 & 5- 4111 Ground floor, Chanda Nagar, Hyderabad, Telangana 5001)50 1()

1.1 AU Small Finance Bank Limited, Rep by its Chief lt/anager, 564, Hemanta Basu Sarani, Stephen House, BBD Bag, Kolkala - 700001 ..RESPONDENTS Petition under Article 226 of lhe Constitulion of lndia praying thal in the circumslances stated in the affidavit filed therewith the Hrgh Court may be pleased to rssue an appropriate Writ, Order. or Direction. more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 11 in attempting to recover amounts from the petitioner in an arbrlrary, illegal, and high- handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular dated '1 2. 08. 2022 bearing No. RBll2022- 231 108, DOR. ORG. REC. 65/21 04 15812022' 23 and furlher declaring the inaction of respondent No.2 in enforcing the said Circular as unconstitutional and violative of Articles 14, .1 9. anci 21 of ihe Constitution of lndra. and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid Crrcular in all recovery proceedings, and further restrain respondenl Nos. 3 to 11, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment, humihation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitroners premises, and further direct respondent No. 2 to enforce the said RBI CirCUlar in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos. 3 to 11 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos- 3 to 11 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular dated 12. 08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH' REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.3: SRI N.B.SUDARSHAN Counsel for the Respondent No.4: SRI G.PRAVEEN KUMAR, SC FOR INDUSIND Gounsel for the Respondent No.5 & 7: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK ,1 YES BANK Counsel for the Respondent No.9: Ms. K.RAMYA WRIT PETITION NO: 23807 OF 2025 Between: SglarqOu Sandeep, Age. 29 years. Occ. Job Searchingl, R/o. H No.5-5- 1050/P50, Road No 5. Nlallikarjuna Naga(North), V.airasthalipuram, LB Nagar, Telangana - 500068 ...PETITIONER AND

5. tt-

9. 10 Union of lndia, Represent b), it's Secretary. l\,4inistry of Fin;trrce, New Delhi Reserve- Bank of lndia (RBl). Represent by its Chief Ceneral Manager, 6, Sansad Marg, New Delhr - 110001 lClCl Bank, Rep by ils Chief Manager, lClCl Bank Tor"ye:rs, Financial Dist, Plot No 12 Nanakramguda. Gachibowli. Hyderabad, Telargana 500032 9ap llo?! Financial Services Private Limited, Rep by its Chief Manager New No. 3 (Old N9 ?11) Gokaldas Platinum, Upper Patace Orchards, Bellary Road, Sadashiva Nagar. Bengaluru 560080. lqryr Yygya Bank Limited. Rep by its Chief Manager, t:9,V5 + PGC, PLOT NOS.46 TO 49, IVadhava Nagar Colony Kandi C6mple,x, Near Sai. Ranga Theatre l\/iyapur, Hyderabad - 500049 9-B I Cards^ and Payments Services Limited (SBt Card , Rep. by its Chief Manager, State Bank of lndia Credit Cards Unit Nos 3C ilD and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Rca,i Secunderabad Telangana500003 PayU Finan_ce lndia Private Limited. Rep by its Chie{ IManager Empresa Building, Officer No. 102 Second Road, Khai West, [,4trnrbai, -Maharshtra - 400 052 KISETSU SAISON FINANCE PRIVATE LTD., Rep. by its Chief Manager, ldlagbe Le-xington Tower, First Floor, Tavarekere Main Road, Tavarek6re, S.G. Palya, Bengaluru, Karnataka 560029. Egrly^99!qV-lgryrces Pvt Ltd., Rep by its Chief Mana3er, UN|T NO.404, THE CHAMBERS VIIVAN NAGAR NA, PUNE, Pune, MahZrastra Ng4[e[_Arc Capital Limited., Rep. by its chief mar]ager, 1oth, ilTM RESEARCH PARK, Kanagam Rd, Kanagam, Tharam rni, -Chennai, Tamil Nadu 600113 ..RESPONDENTS ]I Petition under Article 226 of lhe Consirtution of lndia praying that in the circumstances stated in the affidavit filed therewith. the High Court may be pleased to issue an appropriate Writ, Order. or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to '10 in attempting to recover amounts from the petilioner in an arbitrary, iltegal, and high-handed manner without following the C ue process of law and in blatant violation of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No. RAV2O22-231 108, DOR.ORG.REC 65/21 .04.15812022-23, and further declaring the inaction of respondent No.2 in enforcing the said Circular as u nconStitutional and violative of Articles 14, 19, and 2', of the Constitution of lndia, and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of lavr and the aforesaid Circular in all recovery proceedings, and further restrain respondent l.jos 3 to 10, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends' including persistent or anonymous calls, threatenlng messages. or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos. 3 to 10 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos- 3 to '10 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12 08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH' REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.3: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK Counsel for the Respondent No.8: Ms. K.RAMYA l WRIT PETITION NO: 23852 OF 2025 Between: Musturu l\,4adhu Sudhan, S/o. Mushturu Kondanna, Age. li6 years, Occ. Job Searching. R/o 4-1. B C Colony. Chiyyedu, Anantapur ,Andhra Pradesh - 515721 ...PETITIONER AND 1 2 Union of lndia. Represent by it s Secretary, Ministry of Finance, New Delhi Reserve Bank cf lndia (RBl). Represent by its Chief Creneral Manager, 6, Sansad Marg. New Delhr - 110001

3. SBI Cards and Payments Services Limited (SBl Card) , Rep. by its Chief Manager, State Bank of lndia Credit Cards Unit Nos 3C:]t) and 3E 3rd Floor Queens Plazt 18382 Queens Plaza SP Road Secunderabad Telangana500003

4. FEDERAL BANK Rep by (s Chief lManager, Post Box. 1013, Federal Towers, Aluva, Kerala. - 63310 i

5. AXIS BANK. Rep by its Chief lvlanager Ground Floor, [iriven Mall, I\tliyapur Rd, J P Nagar CG Employees Colony, Mayuri Nagar, tt4iyapur, Hyderabad, Telangana 500049

6. RBL Bank. Rep by its Chief N/lanager Shop no 5-4110 and 5-411 1 Ground floor, Chanda i'iagar. Hyderabad, Telangana 500050

7. ADITYA BIRLA CAPITAL Limited, Rep. by its Chief Manager, One World Center, Tower 1 . 18th Floor, Jupiter Mills Compound, €41, Senapati Bapat Marg, Elphinstone Road, Mumbai- 400091. B. HDFC Bank Linrited. Rep. by its Chief Manager, Sy No €,8, Delta House, PN 26, 33/Aand34/8, Gr Flr, Allwyn X Road, Miyapur, Hytle,rabad, Telangana 500049

9. KISETSU SAISON FINANCE PRIVATE LTD., Rep. by ils Chief Manager, lndiQube Lexington Tower, First Floor, Tavarekere Mair lload, Tavarekere, S.G, Palya, Bengaluru. Karnataka 560029.

10.HERO FINCORP Limited. Rep, by its Chief Manager, A-44, Mohan Cooperative lndustrial Estate, lvlathura Road, New Delhi - 110044. ...RESPONDENTS Petition under Article 226 oI the Constitution of lndia praying that in the circumstances stated in the aff idavit filed therewith, the F igh Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the aclion of respond 3nt Nos. 3 to 1 0 in attempting lo recover amounts from the petitioner in an ar:itrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular dated 12.otr.:2022 bearing No. RBll2022-231 108, DOR.ORG REC.65/21 .04j5812022-23, and further declaring the inaction of respondenl No. 2 in enforcing the said Crrcular as unconstitutional and violative of Articles 14 19, and 21 of the Constitution of lndia, and consequently drrect the respondent authorities to relrain from undertaking any coercive or unlawful recovery measures against the petilioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings, and further restrain respondent Nos. 3 to 10, their agents, recovery agents, execulives, managers. or any person acting on their behalf from engaging in any acts of intimicialion. harassment. humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit anc to rnitiate appropriate and Stringent action againSt the errant officials of respondent Nos. 3 to 10 for violating legal norms, and pending disposal of the wrrt petiticn. direct the respondent Nos. 3 to 10 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12.O8.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHAN]NDRA REDDY Counsel for the Respondent No.1: SMT ANJALI AGARWAL, SC FOR CENTRAL GOVT. WRIT PETITION NO: 23853 OF 2025 Between: Bijjula Venkata Rami Reddy, S/o B Pedda Reddy, Ag Emp, R/o Flat No. 2068, 2nd Block, 1st Phase, J Miyapur, Hyderabad, Telangana - 500049 e. 60 Years, Occ. Pvt ana Priya Apartment, ...PETITIONER AND

2. J Union of lndia, Represent by it's Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager,6, Sansad Marg, New Delhi - 1 '10001 State Bank of lndia, Rep. by its Chief Manager 1-11-252, 1, Begumpet.Rd' Old Patigadda, Chikoti Gard6ns, Begumpet, Hyderabad, Telangana 500016 -l 4 INDUSIND BANK Ltd, Rep 435t1t2. 1-8-436. 1-B 436 Telangana 500016 by its Chief Manager Durga Iower. Plot No. 1-8- 1. Sardar Patel Rd, Begu'rpet. Secunderabad.

5. Axis Bank. Rep. by its Chief lvlanager 1st Floor, G Pullareddy Buildtng, 613187918. Begumpel Rd, Punjagutta Officers Colony, Pu rjagutta, Hyderabad. Telangana 500016

6. HDFC Bank Ltd. Rep by its Chief Manager No 1/ l0/60/3, Suryodaya, Begumpel, Hyderabad, Telangana 50001 6

7. BoB Financial Solutions Limited, Rep. by its Chief Mar ager, Behind Diwan Shopping Centre, 2nd and 4th Floor, Baroda House, S.\'. Road, Jogeshwari, lt/umbai. lMaharashtra - 4OO1O2

8. Kotak lvlahindra bank Ltd, Rep. by its chief Manager Grornd Floor - Office No 103 Premier Building, Plot No 35,36,41 and 42 Surve y No 76, Madhapur Village. Senilingampally, lt,4andal, Hyderabad, Telangana 5C0081 9 SBI Cards anrl Payments Services Limited (SBl Card t., Rep. by its Chief Manager, DLF Cyber City, Tower C, Block 2, Building 3 t)LF lnfinity Towers, 12th Floor, Gurugram, HR - 122OO2 I0.K|SETSU SAISON FINANCE PRIVATE LTD., Rep. bv its Chief l\rlanager, lndrQube LexinEton Tower, First Floor, Tavarekere Main Road, Tavarekere. S G Palya. Bengaluru, Karnataka 560029. '1 1. RBL Bank. Rep. by its Chief Manager Shop no 5-4110 8i {j-4l1 1 Ground floor. Chanda Nagar Hyderabad, Telangana 500050

12.YES BANK. Rep by its Chief [\/anager Ground Floor, Shcp No.11, 77, NH 65, Goutharni Nagar Colony. Jawahar Colony, Chanda l\agar, Hyderabad. Telangana 500050. ...RESPONDENTS Petition under Article 226 oI |he Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased lo rssue an appropriate Writ, Order, or Direction, nrore particularly in the nature of Writ of Mandamus, declaring the action of respcrdent Nos. 3 to 12 in attempting to recover amounts from the petitioner in an zrrbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular daled 121)t\12022 bearing No. RBll2022-231 108, DOR ORG REC.65/21.04.15812022-23, rnd further declaring the inaction of respondent No.2 in enforcing the said CircuL:r as unco nsl itutiona I and violative of Artrcles 14, 19, and 2'l of the Constilution of lndia, and consequently direct the respondent authorities to refrain f.c,m undertaking any coercive or unlawf ul recovery measures against the peti:ioner and to strictly comply with the due process of law and the aforesaid Ci'cular in all recovery proceedings, and further restrain respondent Nos. 3 to 12, th?ir agents, recovery 3i agents, execulives managers. or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls. threatening messages. or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriale and stringent action against the errant officials of respondent Nos. 3 to 12 for violating legal norms, and pending disposal of the writ petition. direct the respondent Nos. 3 to 12 not to resort to any coercive measures against the petitioner except through lav'rful means and in strict adherence to the Circular daled 1210812022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH' REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.'t: Dy. SOLICITOR GENERAL OF INDIA counsel for the Respondent No.4: SRI G.PRAVEEN KUMAR' SC FOR INDUSIND Counsel for the Respondent No.12: SRI SUDHARSHAN NARAHARI, SC FOR YES BANK wRlT PETITION NO: 23854 OF 2025 Between: Bandaram Satyanarayana, S/o. Bandaru Seetha Ramaiah, {Sg. 35 years, Occ. P\,4. Employe-e, R/o. H. NO. 16-241 , Allvtltn Colony,-^Ne.ar Venkateshwara Temple, Patancheru Muncipality, Medak, Telangana - 5023'19 ...PET1T'ONER AND

2. 3 4 5 Union of lndia, Represent by it's Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager,6' Sansad [\/arg, New Delhi - 1 10001 SBI Cards and Payments Services Limited (SBl Card),-Rep. by its. Chief Nilanaoer. State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Oueefis Plaza 18382 Queens Plaza SP Road Secunderabad Telangana500003 AXIS BANK, Rep by its Chief [Vlanager Ground Floor, S.riven Mall, Itr'liyapur nO, L p Nagar, bG-Employees Colony, Mayuri Nagar, Miyapur, Hyderabad' Telangana 500049 RBL Bank, Rep. by its Chief Manager Shop floor, Chanda Nagai, Hyderabad, Telangana 500050 -no^ -5--4110 and 5-411 1 Ground 36

6. lclcl Bank. Rep. by its Chief Manager, lClCl Bank To,r,ers. Financial Drst. PIot No .12 Nanakramguda, Gachibowli, Hyderabad, Telan3ana 500032

7. Kotak lMahindra Bank Limited, Rep by its Chief Managr:r. Upper Ground Floor. Uma Rajeswar Plaza, Plot no76, 9th Phase Rcl, near The Forum Sujana Mall, Kukalpally Housing Board Colony, Kuk.rtpally. Hyderabad. Telangana 500072 8, ADITYA BIRLA CAPITAL Limited, Rep. by its Chief Manager, One World Center. Tower 1. 18th Floor, Jupiter Mills Compound, €41, Senapatr Eapat I\,4arg, El ph instone Road, lr,4umbai- 40009 1 .

9. Akara Capital Advisors Private Limited, Rep by its Chief I\lanager. 60. Second Floor, Arjun Nagar, Kotla tvlubarakpur, New Delhi, Delhi, lrdia, 110003

10. HERO FINCORP Limited, Rep. by its Chief Man:rger, A-44. N,4ohan Cooperalive lndustrial Estate, Mathura Road, New Delhi - 1 10044. 11 .HDFC Bank Limited, Rep. by its Chief Manager, Sy No r)ti. Delta House PN 26.3314 and 3418, Gr Flr, Allwyn X Road, Miyapur, Hyd,srabad. Telangana 500049 ...RESPONDENTS Petition under Ariicle 226 of the Constitution of lndia pray rg that in the circumstances stated in the affidavit filed therewith, the lligh Court may be pleased to issue an appropriate Writ, Order, or Direction, mor€) pa,'ticularly in the nature of Wril of Mandamus, declaring the action of responrJont Nos. 3 to 11 rn attempting Io recover amounts from the petitioner in an ari)itrary, illegal. and high-handed manner without following the due process of law and in blatanl violation of the Reserve Bank of lndia Circular daled 12.t8.2022 bearing l,lo. RBll2022-231 108, DOR.ORG.REC.65/2'l .04.'15812022-23, :nd further dectaring the inaction of respondent No. 2 in enforcing the said Circule r as unconstitulional and violative of Articles 14, 19, and 21 of the Constitu'ion of lndia. and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petit oner and to striclly comply with the due process of law and the aforesaid Circular rn all recovery proceedings, and further restrain respondent Nos. 3 to 11, t roir agents, recovery agents, executives, managers, or any person acling o r their behalf f rom engaging in any acts of intimidation, harassment, humiliatior, or intrusion into the privacy oI the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or thysrcal visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and str ingent action against the errant officials of respondent Nos. 3 to 1'1 for violating legal norms' and pending disposa! of the writ petition, direct the respondent Nos 3 to 11 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12'A8'2022' Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH' REP' FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No'1 : Dy' SOLICITOR GENERAL OF INDlA Counsel for the Respondent No.6: SRI SUDHARSHAN NARAHARI' SC FOR ICICI BANK WRIT PETITION NO: 23886 OF 2025 Between Tonrnunatr Ravi. c/o T Sreenivasulu, Age. 35 Years, occ.. Pvt Emp, Rl/o Plot N;1%."i;;;'N; 1, HB-colonv, tr,loJra nri, secunderabad, Telanagana - 500040 ...PETITIONER AND I 2 J 4 6 Union of lndia. Represent by it's Secretary, Ministry of Finance' New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager' 6' Sansad tt4arg, New Delhi - 1 1000'l lClCl Bank. Rep. by its Chief Manager, lclcl Bank Towers' Finan-cial Dist' b:iJ i'ro I i r.rrn J[riirsuoa, Gicninow]i, Hvderabad, Telangana 500032 IDFC FIRST BANK, Rep by its Chief Manager-Ground Floor' Plot-No 6-7' b,i"i"" f.ro 68, ooor No t-izllt<zla-7, Near6y Athidhi Restuarant' I\/iyapur' Serilingampalle (lril ). Telangana 500049 Hero Fincorp Ltd. Rep. by its Chief Manager 407,408 86 409' 4 Floor' .Chamber Comilrercial Complex, Sindhi Colony. nip,"f, f,,l-" fio.e Cnai.O"ir e"gr.p.tl Hyderabad, Telangana 500003 Poonawalla Fincorp, Rep. by its Chief lV'lanager No7,-Roxana Towers' Office irl;.Cfi'i; G; e,6irno'rro6r, Block 'B, 1-2411lRT, Greenlands' Begumpet' Hyderabad, Telangana 50001 6 ...RESPONDENTS Petition under Article 226 ol lhe Constitution of lndia praying that in the circumstancesstatedintheaffidavitfiledtherewith'theHighCourtmaybe pleased to issue an appropriate Writ, Order, or Direction' more particularly in the nature of writ of trrlandamus, declaring the action of respondent Nos 3 to 6 in attempting lo recover amounts from the petitioner in an arbitrary' illegal' and 38 high-handed manner without following the due process o iaw and in blatant violation of lhe Reserve Bank of lndia circular daled 12.ot.2022 bearing No. RBll2022-231108, DoR.oRG.REC.65/2i .04.1s812022-23. an,J further dectaring the inaction of respondent No. 2 in enforcing the said circule r as unconstitutional and violative of Articles 14, 19, and 21 of the Constitution of lnclia. and consequently direct the respondent authorities to refrain frf,rn undertakrng any coercive or unlawful recovery measures against the petitoner and to stric y comply with the due process of law and the aforesaid cir:ular in ali recovery proceedings, and further restrain respondent Nos, 3 to 6 , tieir agents. recovery agents. executives, managers, or any person acting on the r behalf from engaging in any acts of intimidation, harassment, humiliation or intrusion into the privacy of the petitioner or his family members, referees :r friends. including persistent or anonymous calls,. threatening messages. or p hi,sicai visrts to the petrtioner's premises, and further direct respondent No. 2 to :nforce the said RBI circular in letter and spirit and to initiate appropriate and st:-rrr;ent action against the errant officials of respondent Nos. 3 to 6 for violatin: legai norms, and pending disposal of the writ petition, direct the respondent llos. 3 to 6 not to resort to any coercive measures against the petitioner excr:pt through lawful means and in strict adherence to the Circular daled 12.Og.20,22,.. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REp. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1 : Dy. SOLICITOR GENERAL OF INDtA Counsel for the Respondent No.3: SRt SUDHARSHAN NARI\i{ARt. SC FOR ICICI BANK WRIT PETITION NO: 24021 oF 2025 Between: 9urga B^abu _Dampanaboyina., 9/o ^Bangarayya Damp tnaboyina, Age. 39 Years, .Occ._Business, Ng-!-!2, Snam-eeqi<jt, Hakirirl;r,t, Nlat Halii;p;i Hyderabad, Telangana - 500078. AND

2. Union of lndia, Represent by it's Secretary, Ministry of Finarrce, New Delhi Reserve Bank of lndia (RBtl^Represent by its Chief Cieneral A,4anager, 6. Sansad l\4arg, New Delhi- 11bOO1 ...PETITIONER l9

3. lClCl Bank, Rep by its Chief Manager, lClcl Bank Towers, Financial Dist. Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032

4. HDFC BANK Ltd, Rep by its Chief Manager PN 26, 33/A and 34/B. Gr Flr. Delta House. Sy No 68, Allwyn Cross Road Miyapur, Hyderabad - 500049 5. AXIS BANK. Rep by its Chief Manager Ground Floor, Sriven lVlall. tt4iyapur Rd. J P Nagar, CG Employees Colony, Mayuri Nagar, Miyapur, Hyderabad. Telangana 500049

6. Kolak N/ahindra bank Ltd, Rep. by ils chief Manager Ground Floor - Office Nc 103, Premier Building, Plot No 35,36,41 86 42 Survey No 76, lVladhapur Village. Senilingampally, Mandal, Hyderabad, Telangana 500081 7 RBL Bank. Rep by its Chief Manager Shop no t4l1O 86 5-411 1 Ground floor. Chanda Nagar, Hyderabad, Telangana 500050 B INDUSIND Bank Limited, Rep by its Chief Manager C9VP and QV8. Hitech City Rd, Arunodaya Colony, Sri Sai Nagar, Madhapur, Hyderabad, Telangana 500081

9. SBI Cards and Payments Services Limited (SHl Card), Rep. by its Chief l,,4anager, DLF Cyber City, Tower C, Block 2, Building 3 DLF lnfinity Towers. 12th Floor, Gurugram, HR - 122002. 10 IDFC FIRST BANK, Rep by its Chief Manager Ground Floor, Plot No 6-7 Survey No 68, Door No 1-121lKzJ6-7, Nearby Athidhi Restuarant, l\liyapur. Serilingampalle (M), Telangana 500049 l l FEDERAL BANK, Rep. by its Chief Manager, Post Box. 103, Federal Towers. Aluva, Kerala, - 683101. l2.lnnofin Solutions Private Limited Rep by its chief manager 1, Swami Vivekananda Rd, l2.lnnofin Solutions Private Limited, Rep by its chief manager 1, Swami Vivekananda Rd, Malad, Navy Colony, Nadiyawala Colony 2, Malad West, Mumbai, Maharashtra 400064 13 BoB Financial Solutions Limited, Rep. by its Chief Manager, Behind Diwan Shopping Centre,2nd and 4th Floor, Baroda House, S.V. Road, Jogeshwari. tt/umbai, fvlaharashtra - 400102. .14.The Catholic Syrian Bank, Rep. by its Chief Mana Kurma Basthi, General Bazaar, Kalasiguda, 500003. s S er 3-3-12, Rashtrapati Rd, ecunderabad, Telangana ..,RESPONDENTS Petition under Article 226 of lhe Constitution of lndia praying that in lhe circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriale Writ, Order, or Direction, more particularly in the nature of Writ of lvlandamus, declaring the action of respondent Nos. 3 to 16 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed manner withoul following the due process of law and in blatant violation of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No. RBll2O22-231 108, DOR.ORG.REC.65/21 .O4.15812022-23, and further declaring +r) the inaction of respondent No. 2 in enforcing the said Ctrcu i'r as unconstitutional and violative of Articles 14, 19, and 21 of the ConstrlJlion of lndia, and consequently direct the respondent authorities to refrain f r ttn undertaking any coercive or unlawful recovery measures against the petrt o rer and to strictly comply with the due process of law and the aforesaid Crr;rilar rn all recovery proceedings, and further restrain respondent Nos. 3 to 16 . tl eir a!tents. recovery agents, executives, managers, or any person acting or therr behalf from engaging in any acls of intimidation, harassmenl, humiliation or inlrusion into the privacy of the petitioner or his family members, referees ri' friends, including persistent or anonymous calls, threatening messages. or physical vislts to the petitioners premises, and further direct respondenl No. 2 to t:rforce the said RBI Circular in letter and spirit and to initiate appropriate and st'1 rgent action against the errant officials of respondent Nos. 3 to 16 for violatrr g iegal norms, and pending disposal of the writ petition, direct the responden r Nos al to .1 6 not to resort to any coercive measures against the petitioner exc(lot through lawful means and in strict adherence to the Circular daled 12.08.2O.t2 Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.'l: Dy. SOLICITOR GENERAI- OF INDIA Counsel for the Respondent No.3: SRI SUDHARSHAN NARI,HARI, SC FOR ICICI BANK Counsel for the Respondent No.8: SRI G.PRAVEEN KUMAR SC FOR INDUSIND WRIT PETITION NO: 24042OF 2025 Between: Panchakarla Ganga Raju, S/o Panchakarla Andhara K€ s,ari Kumar Age. 51 years, Occ. Business Fyo plot no '1330 and 1331, sarada towers, Flat no Fl, Pragathi Nagar, Hyderbad, Bachupally, Medchal - tl4alkalgiri Telangana- 500090 AND 1 2 Union of lndia, Represent by it's Secretary, Ivlinistry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief Cieneral Manager, 6, Sansad Marg, New Delhi - 1 10001 ..PETITIONER 4t J 4 lClCl Bank. Rep by its Chief Manager, lClCl Bank Towers, Financral Dist. Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032 INDUSIND Bank Limited, Rep by its Chief Manager 1-248. Upper Ground Floor, lvliyapur Cross Roads, Bollaram, Telangana 500052

5. YES BANK. Rep by its Chief Manager Ground Floor, Shop No.11. 77. NH 65. Gouthami Nagar Colony, Jawahar Colony, Chanda Nagar, Hyderabad. Telangana 500050

6. IDFC FIRST BANK Limited, Rep by its Chief Manager Ground Floor. Plol No 6-7, Survey No 68, Door No 1-1211j1216-7, Nearby Athidhr Restuarant, Miyapur, Serilingampalle (M), Telangana 500049

7. SBI Cards and Payments Services Limited, (SBl Card). Rep. by ils Chref Manager, DLF Cyber City, Tower C, Block 2, Building 3 DLF lnfinity Towers, 12th Floor, Gurugram, HR - 122002. B. RBL Bank Limited, Rep. by its Chief lManager Shop no 5-4110 85 5-4111 Ground flcor. Chanda Nagar, Hyderabad, Telangana 500050 I ADITYA BIRLA CAPITAL, Rep. by its Chief [\/anager. One World Center. Tower 1. l Bth Floor, Jupiter Mills Compound, 841, Senapati Baoat lv'1arg E Iphinstone i0.BAJAJ FINANCE, Rep. by its Chief Manager, 6th Floor, Bajal Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar, Pune, lt4aharastra - 411014

11.AX|S BANK, Rep by its Chief Manager Ground Floor, Sriven Nilall. N'liyapur Rd, J P Nagar, CG Employees Colony, Mayuri Nagar, Ivliyapur, Hyderabad. Telangana 500049

12.HDB Financial Services Limited, Rep. by its Chief Manager, Ground Floor, Zenith House, Keshavrao Khadye Marg, Mahalaxmi, Mumbai - 400034 '13. Caspian lmpact lnvestment Private Limited, Rep by its Chief ltilanager 8-2- 596151A11. ROAD NO. 10, BANJARA HILLS HYDERABAD TG IN 5OOO34

14. Northern Arc Capital Limited, Rep by its Chief Manager, '1 Oth RESEARCH PARK, Kanagam Rd, Kanagam, Tharamanr, Chennai. Nadu 6001 13 IITIV Tamil ..,RESPONDENTS Petitron under Article 226 ol lhe Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 14 in attempting to recover amounls from the petitioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No- RBll2022-231108, DOR.ORG.REC.65/21.04.15812022-23, and further declaring the inaction of respondent No.2 in enforcing the said Circular as u nconstitutiona I -ll and violative of Articles 14, 19, and 21 o{ the Conslriu-ion oI lndia, and consequently direct the respondent authorilies to refrain frcrrr undertaking any coercive or unlaMul recovery the due process of law and ttre aforesaid Circular rn all recovery proceedings, and further restrarn responden: Nos.3 to 14, their agents, recovery agents, executives. managers. or any person acting on their behalf from engaging in any acts of intimidation. harassnt€rnt, humiliation, or intrusion into the privacy of the petilioner or his famrly m:rnbers, referees or friends, including persistent or anonymous calls. threal€rn ng messages, or physical visits to the petitioner's premises. and further Cirect rospondent No. 2 to enforce the said RBI Circular in letter and spirit and to init ar.e appropriate and stringent action against the errant officials of responden Nos. 3 to '14 for violating legal norms, and pending drsposal of the wrii petition, direct the respondent Nos.3 to 14 not to resort to any ccercive nrcasures against the petitioner except through lawful means and in strict adherr:nce to the Circular dated 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERA- OF INDIA Counsel for the Respondent No.3 & 5: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK 8, YES BANK Counsel for the Respondent No.4: SRI G.PRAVEEN KUMAR SC FOR INDUSIND WRIT PETITION NO: 24083 OF 2025 Between: Karipay Ravi, S/o Karipay Krishna Murthy, Age 49 years, Ccc Pvt Employee Rl/o Plot no 41, Brooke Bond Colony, AOC Apartment Lane, Kakaguda, Secunderabad, Hyderabad, Andhra Pradesh - 500015 AND

2. Union of lndia, Represent by il s Secretary, I\/inistry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief C eneral lt/anager, 6, Sansad Marg, New Delhi - 1 10001

3. lclcl Bank, Rep. by its Chief Manager, lClCl Bank Tovre,rs, Financial Dist, Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangirna 500032 ...PETITIONER

4. HDFC BANK, Rep by its Chief Manager PN 26. 33/A and 34/8, Gr FIr, Delta House, Sy No 68, Altwyn Cross Road Miyapur, Hyderabad - 500049

5. SBI Cards and Payments Services Limited (SBl Card). Rep by its Chief l\/anager, State Barik of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Road Secunderabad Telangana500003

6. Standard Chartered Bank, Rep by its Chief lt/anager. C 38/39, G Block, Crescenzo Building, Bandra Kurla Complex-Bandra (East). i.4umbai - 400051' Irlaharastra

7. INDUSIND Bank Limited, Rep by its Chief ltrlanager 1-248, Upper Ground Floor, lvliyapur Cross Roads, Bollaram, Telangana 500052

8. RBL Bank, Rep. by its Chief Manager Shop no 5-4110 86 5-4111 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050

9. YES BANK, Rep by its Chief Manager Ground Floor, Shcp No,11, 77' NH 65' Jawahar Colony, ChanCa Nagar. Hyderabad, -Colony, Gouthami Nagbr Telangana 500050

10. HERO FINCORP, Rep by its Chief lVlanager. A-44. llohan Cooperative lndustrial Estate, Mathura Road, New Delhi - 110044.

11.BAJAJ FINANCE, Rep. by its Chief IVlanager, 6th Fioor. Ba1a1 Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar, Pune. l,,4aharastra - 4't 1014 l2.Poonawalla Flncrop Pvt Ltd, Rep. by its Chief [\,4anager, 2O1 and 202' 2nd Floor, APB1, Koregaon Park Annilx, Mundhwa, Pune, Ir4a hara shtra-41 1036

13. L AND T Finance Limited, Rep by its Chief Manager 6th Floor, Brindavan, Plot No. '177, C.S.T Road, Kalind, Santacruz (East)' [Vlumbai - 400 098, ltr'laharashtra, I ndia ...RESPONDENTS Petition under Article 226 of the Constitution of Incjia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Qrder, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos 3 to '13 in attempting to recover amounts from the petitioner in an arbitrary' illegal, and high- handed manner without following the due process of law and in blat ant violation of the Reserve Bank of lndia Circular dated 12 08.2022 bearing No RBll2O22- 231 1OB, DOR. ORG. REC. 65/21 . 04. 15812022- 23, and Iurlher declaring the inaction of respondent No.2 in enforcing the said circular as u nconstitutiona I and viotative of Articles 14, 19, and 21 0f the constitution of lndia, and consequently direct the respondent authorities to refrain from undertaking any coercive or unlavtdul recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid Circular in all -li recovery proceedings. and further restrain respondenl Nos I to 13, their agents, recovery agents, executives. managers. or any person aclin! on their behalf from engaging in any acts of intimidalion. harassment. humiliation, or intrusion into the privacy of the petitioner or his family members. referees cl friends, including persistent or anonymous calls, threatening messages, or f,hysical visits to the petitioner s premises, and further direct respondent No. 2 to errforce the said RBI Circular in letter and spirit and to inrlrate appropriate and slr nJent action against the errant officials of respondent Nos 3 to 13 ior violating legal norms, and pending disposal of the wril petrtion. drrect the respondent Nios. 3 to 13 not to resort to any coercive measures against the petitioner e>.cept through laMul means and in strict adherence to the Circular daled 12.08.20,22. CounSEI for the Petitioner: SMT THAKUR MANASWINI SINCiH, REP. FOR SRI BONTHU LOKESH PHANINIIRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERI,L OF INDIA Counsel for the Respondent No.7: SRI c.PRAVEEN KUMAF , SC FOR INDUSTND Counsel for the Respondent No.3 & 9: SRI SUDHARSHAN I\IARAHARI, SC FOR ICICI BANK & YES BANK WRIT PETITION NO: 24302 OF 2025 Between: Ranjith Kumar Blathu. S/o Nagaiah Blathu, Age. 43 ye;rrs, Occ. Radiologist, Fyo. 11-13-70/6, V-34 And 35 Flat No 502. Sunrise Classi: apartments, Road No 15, Kothapet, Nelladri Nilayam Vasavi Colony Saroornagar, K.V. Rangareddy, Telangana - 500035 ...PETITIONER AND

2. ., 4 Union of lndia, Represent by rt's Secretnry, Ministry of Finance, New Delhi. Reserve Bank of lndia (RBl), Represent by its Chief ,Seneral Manager, 6, Sansad Marg, New Delhi - '1 10001 SBI Cards and Paymenls Services Limited (SBl Carc ), Rep. by its Chief Manager, State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Rtad Secunderabad Telangana500003 IDFC FIRST BANK Limited, Rep by its Chief Manager Cir,:und Floor, Plot No 6-7, Survey No 68, Door No 1-121 ll<216-7, Nearby ,\thidhi Restuarant, Miyapur, Serilingampalle (M), Telangana 500049 .1.\

5. YES BANK, Rep by its Chief Manager Ground Floor. Shop No l'1 77, NH 65' GouthamSi Nagar- Colony, Jawahar Colony. Chand a Nagar, Hyderabad, Telangana 500050

6. NAVI FINSERV, Rep. by its Chief Manager. AII,4R Tech Park, Ground Floor, Hongasandra Village Hosur road, Bengaluru, Karnataka - 560068. ...RESPONDENTS Petition under Article 226 of lhe Constitutron of lndia praying thal in the circumstances stated in the affidavit filed therewith. the High Court may be pleased to issue an appropriate Writ, Order, or Drrection. more particularly in the nature of Writ of Mandamus, declaring the action of respondenl Nos. 3 to 06 in attempting to recover amounts from the petilioner in an arbitrary, illegal' and high-handed rnanner without following the due process o{ law and in blatant violation of the Reserve Bank of lndia Circular daled 12 08.2022 bearing No. RBll2O22-231 108, DOR.ORG.REC.65/21 .04.15812022'23. and further declaring the inaction of respondent No. 2 in enforcing the said Crrcular aS u nco nstitutiona I and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the respondent author-itres to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid Ctrcular in all recovery proceedings, and further restrain respondent Nos. 3 to 06, their agenls, recovery agents, executives, managers, or any person acling on their behalf from engaging in any acts of intimidation, harassmenl, humiliation, or intrusion into the privacy of the petitioner or his family members. referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos.3 to 06 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos. 3 to 06 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12.O8.2022- Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1 : Dy. SOLICITOR GENERAL OF INDIA -1(r Counsel for the Respondent No.5: SRI SUDHARSHAN NARLHARI, SC FOR YES BANK WRIT PETITION NO: 24313 OF 2025 Between: Yallamelli Srinivas. Sio Yallamelli Ashok Kumar, Age- 47 Years, Occ- Pvt Emp, R/o SRT - 679. Sanath Nagar. Near Vijaya Krishna Nursing Home, Sanath Nagar. Hyclerabad Rangareddy, Telangana - 500C'18. ...PETITIONER AND 1 2 Union of lndia. Represent by ii's Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl). Represent by lts Chief (ieneral Manager, 6 Sansad Marg. New Delhi - 110001

3. HDFC BANK Ltd, Rep by rts Chief Manager PN 26. 33/AttC;34/B, Gr Flr, Delta House, Sy No 68 Allwvn Cross Road l/ivapur, Hyderabarl -500049

4. AXIS BANK. Rep by its Chief [\,4anager G7-'l-,110E Floor, Sriven Mall. Micapur Rd_ J P Nagar. CG Emploees Colony, Mayuri lllagar, Hyderabad, Telangana 500049

5. SBI Cards and Payments Services Limited (SBl Card), Rep by its Chief ltrlanager, DLF Cyber City Tower C,BIock 2, Building 3 DLF lnfinity Towers, 12th Floor, Gurugram. HR - 122002

6. lclcl Bank, Rep. by its Chref Manager, lClCl Bank Torvers, Financial Dist, Plot No 12 Nanakramguda. Gachibowli, Hyderabad, Telarrgana 500032

7. INDUSIND Bank Limited. Rep by its Chief Manager Cg\rF') plus QV8, Hitech City Rd, Arunodaya Colony. Sri Sai Nagar, Madhapur, Hyderabad, Telangana 500081 B. RBL Bank Limrted. Rep. by its Chief Manager Shop ro 5-4110 86 5-4111 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050

9. Kotak Mahindra bank Ltd. Rep. by its chief Manager Ground Floor - Office No 103, Premier Building, Plot No 35,36,41 8542 Survey No 76, Madhapur Village, Senilingampally. lrlandal, Hyderabad, Telangana :)00081

10.TATA CAPITAL Ltd, Rep by its Chief Manager,'1 1:h Floor, Tower A, Peninsula Busrness Park, Ganpatrao Kadam Marg, Lo rrr,-.r Parel, Mumbai, lvlaharastra - 400013.

11.IDFC FIRST Bank. Rep. by its Chief ltilanager, The Square, C-6'1 , G Block, Ground Floor to 8th Floor, Bandra Kurla Complex, Bandla East, Mumbai - 400051

12.Hero Fincorp Ltd, Rep. by its Chief Manager 4O7,4OB 86,109, 4 Floor, Ashoka My Home Chambers, Chamber Commercial Compk:x, Sindhi Colony, Begumpet, Hyderabad, Telangana 500003

13.SMFG lndia Credit Company Ltd, Rep. by its Chief lvlanrger 3rd Floor, No - 't65 Megh Towers, PH Road Maduravoyal, Chennai - 600 095 ...RESPONDENTS -l Petition under Article 226 of lhe Constitution of lndia praying that in the circumstances stated in the affidavit frled therewith, the High Court may be pleased to issue an appropriate Writ. Order. or Direction, more particularly in the nature of Writ of Mandamus, declaring lhe aclron of respondent Nos. 3 to 13 in attempting to recover amounts from the pelitioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular dated 12.08.2022 bearing No. RBll2022-231 108, DOR.ORG.REC.65i21 04 15812022-23, and further declaring the inaction of respondent No. 2 in enforcing the said Circular as u nconstitutiona I and violative of Articles 14, 19, and 21 of lhe Constitution of lndia, and consequently direct the respondenl authorities to refrainfrom undertaking any coercive or unlawful recovery measures aEarnsl the petitioner. and to strictly comply with the due process of law and the afo,'esaid Circular in all recovery proceedings, and further restrain respondent Nos. 3 to 13 , their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment. humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos. 3 to 13 for violating legal norms, and pending disposal of the writ petition, Cirect the respondent Nos. 3 to 13 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular dated 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.6: SRI SUDHARSHAN NARAHARI, SC FOR ICICI BANK Counsel for the Respondent No.7: SRI G.PRAVEEN KUMAR, SC FOR INDUSIND .+s WRIT PETIT]ON NO: 24416 OF 2025 Between: Cheedipudi Venkata Nagarujuna Reddy, S/o SubbareJdy, Age. 29 Years Occ Pvt Ernp. R/o 4-7811 , Tsundur, Guntur, Andhra Prarlesh - 522318 ...PETITIONER AND 1 2 Union of lndra. Represent by it s Secretary, IMinistry of Firance, New Delhi Reserve Bank c;f lndra (RBl), Represent by its Chief General ltilanager. 6, Sansad l/arg. New Delhi - 110001

3. NeoGrowlh Credit Pvt. Ltd, Rep. by its Chief Manag:r Unit No 503, V.V Vintage Boulevard. Raj Bhavan Road, Somajiguda, Hy(le,rabad, Telangana - 500082. ...RESPONDENTS Petition uncer Ar-iicle 226 of Ihe Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, m()re particularly in the nature of Writ of llandamus, declaring the action of r()spondent No. 3 in attempting to recovei amounts from the petitioner in an zrrbitrary, illegal, and high-handed manner without following the due process ol law and in blatant violation of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No. RBll2O22-231 108, DOR.ORG.REC.65/21.04.15812022-23, zrnd further declaring the inaction of respondent No. 2 in enforcing the said Circulz r as unconstrtutional and violative of Articles 14, 19, and 21 of the Constitu:ion of lndia, and consequently direct the respondent authorities to refrain fro rt undertaking any coercive or unlawful recovery measures against the petit oner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings, and further restrain respondent No.3, thoir agents, recovery agents, executives. managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliati,rn, or. intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioner s premises, and further direct respondent No. 2 to erforce the said RBI Circular in letter and spirit and to initlate appropriate and str ngent action against the errant officials of respondent No. 3 for violating legal norms, and pending disposal of the writ petition, direct the respondent No.3 not to resort to any J() coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA WRIT PETITION NO: 24478 OF 202s Between: Gantta Komala Rani. W/o Jagadish Age.35 Years, Occ. Pvt Emp, Ryo 8-1- Bll22lc, Shaik Pet. Golconda. Hyderabad, Telanagana - 500008. ...PETITIONER AND 1 2 Union of lndra, Represent by rt's Secretary, Ir/inistry of Finance, New Delhi Reserve Bank of lndra (RBl). Represent by its Chief General Manager, 6, Sansad Marg, New Delhi - 110001

3. IDFC FIRST BANK. Rep by its Chief L,lanager Ground Floor, Plot No 6-7, Survey No 68, Door No 1-121lKzl6-7. Nearby Athidhi Restuarant, Miyapur, Serilingampalle (M), Telangana 500049

4. HDFC BANK Ltd., Rep by its Chief Manager PN 26, 33/A and 34/8, Gr Flr, Delta House, Sy No 68, Allwyn Cross Road Miyapur, Hyderabad - 50004S 5. RBL Bank, Rep. by its Chief Manager Shop no 5-4110 and 5-4ll1 Ground floor, Chanda Nagar. llyderabad. Telangana 500050

6. KISETSU SAISON FINANCE PRIVATE LTD., Rep. by its Chief Manager, lndiQube Lexington Tower, First Floor, Tavarekere Main Road, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029.

7. YES BANK, Rep by its Chief lvlanager Ground Floor, Shop No.11, 77, NH 65, Gouthami Nagar Colony, Jawahar Colony, Chanda Nagar, Hyderabad, Telangana 500050

8. INCRED FINANCIAL SERVICES LIMITED, Rep by its Chief Manager 4th Floor, BRR Complex, HSBC Building, lnCred Finance, Raj Bhavan Rd, Somajiguda, Hyderabad, Telangana 500082 ...RESPONDENTS Petition under Article 226 oI lhe Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 8 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant 50 violation of the Reserve Bank of lndia Circular daled 12.O).2022 bearing No. RBll2022-231 108 DOR ORG.REC.65/21.04.1 5812022-23, ar o further declaring the rnactron of respondent No.2 in enforcing the said Circular as unconstilutional and vrolatrve of Artrcles 14, 19, and 21 of the ConstilLrtion of lndia, and consequently direct Ihe respondent authorities to refrain frc nr undertaking any coercive or unlaMul recovery measures against the petrtiorier and to strictly comply wrth the due process of law and the aforesaid Circu ar in all recovery proceedings. ano further restrain respondent Nos. 3 to 9, thcir agents. recovery agents. execulives. managers, or any person acting on their behal{ from engaging in any acts of intrmidation, harassment, humiliation or int!-usion into the privacy of the petitioner or his family members, referees r r friends including persistent or anonymous calls, threatening messages, or p r)'sical visrts to the petitioner's premises. and further direct respondent No. 2 to e nforce the said RBI Circular rn letier and spirit and to initiate appropriate and stringent action against the errani o{frcrals of respondent Nos.3 to 8 for violatinc; legai norms. and pending cjrsposal of the writ petition, direct the respondent Nlos. 3 to 8 not to resoft to .lny coercive measures against the petitioner ex,;e pt through lawful means and in strict adherence to the Circular daled 12.O8.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGI{. REP. FOR SRI BONTHU LOKESH PHANINDllA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAI- CF INDIA Counsel for the Respondent No.7: SRI SUDHARSHAN NARAHARI, SC FOR YES BANK WRIT PETITION NO: 25256 OF 2025 Between: Vadithe Sagar, S/o. Vadithe Sankar Naik, Age 37 Years, Occ - Doctor, FJo- FLOT-NO 41 , Shri Allience Heights, New Maruthi Naga', Opp. Mahakhali Temple, Saroornagar, K.v. Rangareddy, Telangana - 500035 AND 1 2 Union of lndia, Represent by its Secretary, Ministry of Finirnce, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief C,eneral Manager, 6, Sansad Marg, New Delhi - 't4001 .PETITIONER 5l

3. SBI Cards and Payments Services Limited (SBl Card), Rep. by tts Chief Manager, DLF Cyber City. Tower C, Block 2, Building 3 DLF lnfinity Towers, 12th Floor, Gurugram. HR - 122002.

4. Cholamandalam lnveslm€nt and Finance Company Limited(CIFCL), Rep by its Chief lVanager, Chola Crest. C54-55, Super B-4, Thiru-Vi-KA lndustrial Estate, Guindy. Chennai - 600032, Tamilnadu. ...RESPONDENTS Petition under Article 226 ol lhe Constilution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropnate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus. declaring the action of respondent Nos. 3 to 13 in attempting to recover amounls from the petitioner in an arbitrary, illegal, and high-handed manner withcul following the due process of law and in blatant violation of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No. RBll2022-231 48, DOR.ORG.REC.65/21 .04.1 5812022-23, and further declaring the inaction of respondent No. 2 in enforcing the said Circular as unconstitutiona I and violative of Articles 14. 19, and 21 of the Constitution of lndia, and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings, and further restrain respondent Nos. 3 to 13, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family members, referees or friends, including persistent or anonymous calls. threatening messages, or physical visits to the petitioners premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos- 3 to 13 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos. 3 to 4 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled '12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA 52 WRIT PETITION NO: 25310 OF 2025 Between: Suram Kranthi. S/o. Suram Ravinder, Age 38 years )cc. Pvt. Employee. Rlo 22-2-111 , Deshaipet, Warangal, Telangana 5060-r 2 ...PETITIONER AND 1 2 Union of lndia, Represent by its Secretary, Mrnistry of F rarce. New Delhi Reserve Bank of lndia (RBl), Represent by its Chief l:neral lt4anager. 6 Sansad [t4arg, New Delhi - '1 10001 3 Kotak Mahindra Bank Limited, Rep by its Chief [vl:.r ager. Jewel Pawani Tower. 631 109111PG2, Somajiguda, Hyderabad, Telangena 500082 4 IDFC FIRST BANK LIMITED, Rep by its Chief Manage- Ground Floor, veer chambers, No 1-10-63/1/'l , opposite Shoppers Str ). Ch;koti Gardens. Begumpet, Hyderabad, Telangana 500016 5 ADITYA BIRLA CAPITAL, Rep. by its Chief Manage : One \l/orld Center. Tower 1, 18th Floor, Jupiter Mills Compound. 841, Senapaii Bapat ltrlarg. Elphinstone Road, Mumbai- 400091 .

6. AXIS BANK, Rep by its Chief Manager Ground Floor. Sriven ltrlall. Miyapur Rcj. J P Nagar, CG Employees Colony, lVlayuri Nagar. /]iyapur. Hyderabad, Telangana 500049

7. BAJAJ FINANCE Limited, Rep. by its Chief Manager, Cth Floor, Bajaj Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagr:r, Pune, N,4aharastra - 411014.

8. AXIS Finance Limited, Rep by its Chief lVlanager, 73lA Park View Enclave, Jubilee Hills, Hyderabad, Telangana 500033 9 SMFG lndia Credit Co. Ltd., Rep. by its Chief Managcr, Second Floor, Unit No.21-22, Kalpataru Square, Kondivita Road, Off ,\rrdheri Kurla Road, Andheri(East), Mumbai - 400059, Maharasthra. ...RESPONDENTS Petition under Article 226 ol lhe Constitution of lnrl:r praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, m,)re particularly in the nature of Writ of Mandamus, declaring the action of respor dent Nos. 3 to 09 in atlempting to recover amounts from the petitioner in an ;rrbrtrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular daled 12.)t\.2022 bearing No. RBll2O22-231108, DOR.ORG.REC.65/21 .04.15812022-23. i nd further declaring the inaction of respondent No.2 in enforcing the said Circuljr as u nconstitutiona I and violative of Articles 14, 19, and 21 of the Constliution of lndia, and consequently d irect the respondent authorities to refrain f rom undertaking any coercive or unlawful recovery measures against the petitioner and to strrctly comply with the due process of law and the aforesaid Circular in all recovery proceedings. and further restrain respondent Nos. 3 to 09, their agents. recovery agents. executives. managers, or any person acting on their behalf from engaging in any acts of inlimidation, harassment, humiliation, or intrusion rnto the privacy oi ihe petitioner or his family members, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioner's premises. and further direct respondent No. 2 to enforce the said RBI Circular in Ietler and spirit and to initiate appropriate and stringent action against the errant olfrcials of respondent Nos.3 to 09 for violating legal norms. and pending disposat of the writ petition, direct the respondent Nos. 3 to 09 not to resort to any ccercive measures against the petitioner except through lawful means and in strict adherence to the Circular dated 12.08.2022. Counsel for the Petitioner: SMT THAKUR MANASWINI SINGH, REP. FOR SRI BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.5: SRI V.SANTOSH WRIT PETITION NO: 25358 OF 2025 Betwee n: Uppalapati Srihariraju, S/o. Uppalapati Ramalingaraju, Age 38 -years,. Occ Jo6 Searching, Rlo. 25-2-34, Lecturers Street, Near Andhrabank, Sreeramapurari, Bhimavaram, Sivaraopeta, West Godavari, Andhra Pradesh - 534202 ...PETITIONER AND 1 2 3 4 Union of India, Represent by it's Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General lrzlanager, 6, Sansad Marg, New Delhi - 110001 lClCl Bank, Rep. by its Chief Manager, lClCl Bank Towers, Financial Dist, Plot No 12 Nanikramguda, Gachibowli, Hyderabad, Telangana 500032 BAJAJ FINANCE Limited, Rep. by its Chief Manager, 6th Floor, Baiaj Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar, Pune, Maharastra - 411014. 5-.r INDUSIND Bank Limited., Rep by its Chief [\,4anager 1248, Upper Ground Floor, It4iyapur Cross Roads, Bollaram. Telangana 50005;l 6 Early Salary Services Pvt Ltd., Rep. by its Chief ManaSr-,r. UNIT NO. 404, THE CHAMBERS VIMAN NAGAR NA PUNE. Pune, Mal-arastra 7 . Oxyzo Financial Services Pvt. Ltd.. Rep by its Chief \,4anager 1st Floor, Tower-A, Global Business Park, lr4eh rau li-Gu roao n FRoacl Sector 26, Gurugram, Haryana 122002 ,..RESPONDENTS Petition under Article 226 of lhe Constitution of lndia [)rayrng that in the circumstances stated in the affidavit fileci therewith. the lli,3h Court may be pleased to issue an appropriate Writ, Order. or Direction. mo-e padicularly in the nature of Writ of Mandamus, declaring the action of responrient Nos. 3 to 07 in attemptlng to recover amounts from the petitioner rn an r-bitrary, illegal, and high-handed manner without following the due p!.ocess cf l,arri and rn blatant vrolalion of the Reserve Bank of lndia Circular daled 12.08.2022 bearing No. RBll2O22-2311O8, DOR.ORG.REC.65/21.04 15812022-23. arrc furlher dectaring the inaction of respondent No. 2 in enforcing the said Circula- ;rs uncons tutional and violative of Articles 14, 19, and 21 of the ConstitLrton of lndia, and consequently direct the respondent authorities to refrain lr,tm underlaking any coercive or unlawful recovery measures against the petitirner and lo stricfly comply with the due process of law and the aforesaid Cir;ular in all recovery proceedings, and further restrain respondent Nos. 3 to 07, their aQents, recovery agents, executives, managers, or any person acting or their behalf from engaging in any acts of intimidation, harassmenl, humiliation or intrusion into the privacy of the petitioner or his family mernbers, referees rr friends, including persistent or anonymous calls, threatening messages, or physicat visits to the petitioner's premises, and further direct respondent No. 2 to :nforce the said RBI Circular in letter and spirit and to initiate appropriate and slnnqenl action against the errant officials of respondent Nos_ 3 to 07 for violatrr g legal norms, and pending disposal of the writ petition, direct the respondent Nlos. 3 to 07 not to resort to any coercive measures against the petitioner e) cept through lawful means and in strict adherence to the Circular dated 12.O8.2A2:2. Counsel for the Petitioner: SMT THAKUR r\4ANASWINI SINC;H, REP. FoR SRI BONTHU LOKESH PHANINTIRA REDDY 55 Counsel for the Respondent No.1: Dy. SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.3: SRI SUDHARSHAN NARAHARI, SC FOR IC]CI BANK Counsel for the Respondent No.5: SRI G.PRAVEEN KUMAR, SC FOR INDUSIND WRIT PETIT]ON NO: 25359 OF 2025 Betwee n Trrunagiri Venkateshwar Rao, C/o. Tirunagiri Sudharshan. Occ Govt Teacher, R/o. H.NO. 1-1-369, Vinayak Nagar Nrzambad, Telangana - 503001 Age. 55 years, . Road No -3, ..PETITIONER ANO 1 2 Union of lndia. Represent by its Secretary, Ministry of Finance. New Delhi. Reserve Bank of lndia (RBl), Represent by its Chief General lv'lanager. 6 Sansad [\rlarg, New Delhi - 1 10001 . 3 HDFC Bank Limited, Rep. by its Chief Manager, No 1/10/60/3, Suryodaya, Begumpet, Hyderabad, Telangana 500016.

4. TATA CAPITAL, Rep. by its Chief Manager, 11th Floor, Tourer A. Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, Maharastra - 4000'13. 5 State Bank of lndia, Rep. by its Chief Manager, NEAR, PLOT NO 1186 12, JAYABHARATHIS KALPANA COMPLEX, MIYAPUR X ROAD. Hyderabad, Telangana 500049. 6 SMFG lndia Credit Co. Ltd., Rep. by its Chief Manager. Second Floor, Untt No.21-22, Kalpataru Square, Kondivita Road, Off. Andheri Kurla Road, Andheri(East), Mumbai - 400059, Maharasthra. ...RESPONDENTS Petition under Article 226 oI lhe Constitution of lndia praying that in the circumstances stated in the affidavit filed therewith, the High Court may be pleased to issue an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of lVlandamus, declaring the action of respondent Nos. 3 to 06 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed manner without following the due process of law and in blatant violation of the Reserve Bank of lndia Circular dated 1210812022 bearing No. RBlt2O22-231 108, DOR.ORG.REC.65/21.04.15812022-23, and further declaring the inaction of respondent No. 2 in enforcing the Said Circular as u nconstitutiona I and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the respondent auihonties to refrain frr nr undertaking any coercive or unlavvful recovery measures against the petrtioner and to strictly comply with the due process of law and the aforesaid Circu ar in all recovery proceedings, and further restrain respondenl Nos. 3 to 06, th:ir agents, recovery agents, execulives, managers. or any person acting on their behalf from engaging in any acts of intimidation. harassmenl, humiliation. or intrusion into the privacy of the petitioner or his family members. referees c r friends, including persistent or anonymous calls, lhreatening messages. or p rysical visits to the petitioner's premises, and further direct respondent No. 2 to € nforce the said RBI Circular in letter and spirit and to initiate appropriate and strir)gent action against the errant officials of respondent Nos.3 to 06 for violatin,l legal norms. and pending disposal of the writ petition. direct the respondent \,:s. 3 to 06 not to resort to any coercive measures against the petitioner e( lept through lawful means and in strict adherence to the Circular daled 1210812022. Counsel for the Petitioner: SMT THAKUR MANASWINI SING l, REP. FOR SRI BONTHU LOKESH PHANIND R,A REDDY Counsel for the Respondent No.1: Dy. SOLICITOR GENERAl- OF INDIA The Court made the following: COMMON ORDER G K r''' ) mrp HoN'BLE sRr JUsrIcE NAGESH BHEEMApAKA \IIRIT PETITION Nos.25177 20225 20806

20886. 2LLOL 21L32. 21155. 2L7L 2 2L937,2L99o. 2t997,2L999, 22t',73, 22203, 222AO. 23777,2377a. 23407,23452 ,23853, 23as4.23886. 2402L.24042. 24043,24302 , 24373, 24416. 2447a. 252s6,25310. 25358 and 25359 of2025 COMMON ORDER: In view of the commonality of the issue and grievance, these Writ Pe titicns are analogously heard and taken up for disposal by t'at. of this common order

2. I Icard Smt Thakur l\4ar-raswirri Singh, learned counsel reprcscnting Mr Bonthu Lokesh Phanindra, learnecl counsel for pctitioner-, Sri G.Praveen Kumar, learn.d Starncling Counscl for INDUSINI) Bank Limited and Sri Sudharshan Narahari, lcarned Standing Counsel for ICICI Bank and YDS llank. Perused the record.

3. V/hen the matter is taken up for hearing, lcarned counsel for pctitioncr submittccl that the issue raised in this Writ l)etition is squarely covered by the order passed by this Court in W.P.No.520O of 2024, dated 25.04.2024 and, therefore, the same order may r:e passed in this n rit petition as wel1. The operative portion of the said ordcr reads as under: "8. For the aforesaid reasons and as the procedure adopted by the respondent Nos.4 to 7 for recovery of loan amount lrom the petitioner, amounts to violation of the rights guaranteed under Articles 14 and 2 I of the Constitution of India, this i \ i I I l l i l i ,l l '.t $ - Court deems it appropriate to direl Lh t: respondents, to ensure that the agents engzrle:d bv if-l",r', fot recovery of lhe loan amounts' shali ;tricLil' i"ff"* ,fr" guidel"ines and instructions issue' 1 i;] tLre R""", ". Bink of India and also thc judgni'r'rts rf the tlort'ble Supretlc Court in ICICI Bank Ltd Vs' Prakash Kaur's casc (1 supra) and ICICI Bank Vs' Shanti Devi Sharma's cast (2 supra)' c). pcutior) is riis;llosed o[." \ViLh {he above saicl direction, 1l r: r' ''it 4 Lcarnccl Starrcling Counsel does not dispute thc sr;bnrissions of learnecl cot-tllsel for tl-tc petrttotler In tern-rs oi- thc order passed by this Court in \\'- l' l'Jo 5200 of 5. 2024, clatecl 25 01-2O)4 . arl(l ii)r the rcasons al Iic ' thcse ri rit petitiolrs arc rlisposcrl of ciirt:cting thc respondclr' 'rLlthoritit-'s scrupulousll' follou' rhtl gtl icielinc s / instructions in t r': RISI Circr-t1ar d.a1ecl 1 2.O8.2o',2'.2. anrl also tl'rc juclgments of Hon'b1r liupremc court ir-r TCICI Bank Ltd Vs. Prakash Kaur and othersl :L:-rcl ICICI Bank Vs. Shanti Dewi Sharma and others2' Penclir-rg t'tr isccllatr eo us applications' if an1 ' sh:rll stanil closecl ,/ r (r-oo1) ' ttt '.tl-r. "-f z-.ot) ? qc t ' - / -o'., SD/.N. SRIHARI as\\nr REGTSTRAR. - ( //TRUE COPY// N"ro* oFFlcER tJ,3??ler' ,n" Secrerary. Ministry of Finance, New Delhi' UniS[ No , i,nE t"t;;;'6dn"iii rt,tin's"r' Reserve Bank ot . Xy %"lU ^ t{DFC -B-'II^*'Irt"d' f;g'tgtJ,1I*A'"t +ifi'fi':?fio"^'n t'oo. ro'rver A" Peninsrra Business eart cani'atra?'GoIi' vuig' l-o*e' Part I lvlurnbai Maharastra - +ooor:. i!$1,'a sansad Marg. suryodava "10/60/3 -,.c,!'lJ^^'

5. The Chief Manager, State Bank of lndia, Near Plot No.11 & 12, Jayabharathis Kalpana Complex, Miyapur x Road, Hyderabad, Telangana 500049. 6. The Chief Manager, SMFG lndia Credit Co. Ltd., Second Floor, Unit No.21- 22, Kalpataru Square, Kondivita Road, Off, Andheri Kurla Road, Andheri(East), Mumbai - 400059, Maharasthra. 7. The Chief Manager, lClCl Bank, lClCl Bank Towers, Financial Dist, Pkll No 1 2 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032 B. The Chief Manager, ADITYA BIRLA CAPITAL, One World Center, Tower 1, 18th Floor, Jupiter Mills Compound, 841 , Senapati Bapat lvlarg. Elphinstone Road, Mumbai- 400091 . 9 The Chief Manager, BAJAJ FINANCE, 6th Floor, Bajaj Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar Pune, Maharastra - 411O14 10.The Chief Manager, AXIS BANK, Ground Floor, Sriven Mall, Miyapur Rd, J P Nagar, CG Employees Colony, Mayuri Nagar, Miyapur, Hyderabad, Telangana 500049

11.The Chief Manager, YES BANK, Ground Floor, Shop No.1.1 ,77, NH 65, Gouthami Nagar Colony, Jawahar Colony, Chanda Nagar. Hyderabad, Telangana 500050

12.The Chief Manager, Northern Arc Capital Limited, 0th, llTM Research Park, Kanagam Rd, Kanagam, Tharamani, Chennai, Tamil NaCu - 6001 13 13 The Chief lvlanager, RBL Bank, Shop no 5-411O and 5-411 1 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050 '14 The Chief Manager, Hero Fincorp Ltd, 407, 408 and 409, 4 Floor, Ashcka My Home Chambers, Chamber Commercial Complex, Sindhi Colony. Begumpet. Hyderabad. Telangana 500003

15.The Chief lvlanager, HDFC BANK Ltd, PN 26,331A and 34/8, Gr Flr, Delta House, Sy No 68, Allwyn Cross Road Miyapur, Hyderabad - 500049

16.The Chief Manager, KISETSU SAISON FINANCE PRIVATE LTD, lndiOube Lexingtcn To\/er, First Floor, Tavarekere Main Road, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029- 17.The Chief Arlanager, Kotak Mahindra bank Ltd, Ground Floor - Office No .103, Premier Building, Plot No 35,36,41 & 42 Sun€y No 76, Madhapur Village, Senilingampally, Mandal, Hyderabad, Telangana 500081 18 The Chief Manager, INDUSIND Bank Limited, 1 -248, Upper Ground Floor, ltrlyapur Cross Roads, Bollaram, Telangana 500052 19.The Chief Manager, IDFC FIRST BANK, Ground Floor, Plot No 6-7, Survey No 68, Door No 1-121lKzl6-7, Nearby Athidhi Restuarant. Miyapur, Serilingampalle (M), Telangana 500049

20.The Chief Manager, SBI Cards and Payrnents Services Limited (SBl Card), State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Road Secunderabad Telangana-500003

21.The Chief [/anager, lt4uthoot Finance Ltd, Muthoot Cha -nbers, Opp Saritha Theatre Complex, Banerji Road, Kochi 682 018 22. The Chief lrrlanager, Standard Chartered Bank, C 38/39, G Block, Crescenzo Building, Sandra Kurla Complex-Bandra (East), lvlumbai - 400051, Maharastra.

23.The Chief lt4anager, BoB Financial Solutions Limited. Behind Diwan Shopping Centre,2nd and 4th Floor, Baroda House, S.V. Road, Jrlyeshwari, Mumbai, Maharashtra - 4OO1O2.

24.The Chief Manager, DBS Bank lndia Limited, Ground Flocr, Express Towers, Nariman Point, Mumbai - 4OOO21

25.The Chief Manager, Lendingkart. Unit Number PS 40 ard PS 41, 3rd Floor, Birla Centurion, Pandurang Budhkar tVlarg, Worli. Mumba, Maharashtra - 400 030

26. Riviera lnvestors Private Ltd., C-902, Park View SPA, l',lear DPS Primary Wing, Sector 47, Gurgaon, Haryana.122OO1

27.The Chief Manager, Arka Fincap Limited. 2504, One Lo,jha Place, Senapati Bapat Marg, Lower Parel, Mumbar 400013, Maharashtra

28.The Chief Manager, HSBC BANK, HSBC lndia, HSBC Unil No, 3 and 4, East Wing, Satellite Gazebo, Guru Har Govindji Marg, Anc heri East, Mumbai, lndia, 400093

29.The Chief [\r'lanager, American Express Banking Corp., tVC;F Metropolitan 7th Floor, Office Block, District Center Saket, New Delhr -11OO17.

30.The Chief Manager, HDFC BANK, HDFC House, H T Parekh Marg, 165-166, backbay Reclamalion, Churchgate, Mumbai - 4OOO20.

31.The Chief Manager, IDFC FIRST Bank, The Square, C-6 l, G Ground Floor to 8th Floor, Bandra Kurla Complex. Bandra East, Mumbai - 400051.

32.The Chief Manager, North East Small Frnance Bank L rrited, 1st AND 3rd Floor, Fortune Central, Basisthapur, Bye lane 3, Beltol;r, Guwahati, Assam 781028.

33.The Chief Manager, KRAZYBEE Services Private Limitr:d, The Royal Stone Park, No. 100, Sakshi Nagar. Pai Layout. Bennigarra Halli, Bengaluru, Karnataka - 560016.

34.The Chief Manager, SBI Cards and Payments Services Limited, (SBl Card), DLF Cyber City, Tower C, Block 2. Building 3 DLF lnfinit,,'[owers, 12th Fbor, Gurugram, HR .122OO2.

35.The Chief Manager, Sl CREVA CAPITAL, '1Oth Floor, Torver 4, Office unit 2, 3 and 4, Equinox Park, LBS Marg. Kurla Vvest. lr4umbai, lilaharashtra 400070, lndia.

36.The Chief Manager, Oxyzo Finanoai Sen,ices Pvt. Ltrl. 'l st Floor, Tower-A, Global Business Park, Ir,4ehrauli-Gur-gacn Road, Se,;t:r 26, Gurugram, Haryana 122OO2 37.The Chief Manager, Mas Financral Services Limited, rlth Floor, Narayan Qhanlbers, B/h Patang Holel, Ashram Road. Ahmedabad - 380009, Gujarat 3B.The Chief Manager, Upmove Capital Prrvate Limrted. lrdiqube Gamma, No. 29311541172, 1st Floor, Outer Ring Road, Kadubeesa rahalli, Marathahalli, Bangalore- 560103, Karnataka. lndia

39.The Chief Manager, FINC FRIENDS Private Limrted, No. 1/2, Lalitha Nilaya, 4th Cross, Rtr/V ll Stage, Bhoopsandra. Bengaluru Bangzrlore KA 560094 40.The Chief Manager, KOTAK MAHINDRA BANK. 36-38f , 3rd Floor, Nariman Bhavan, 227 Nariman Point, Ivlumbai. Maharashtra - 400()2t1.

41.The Chief Manager, Poonawalla Fincrop Pvt Ltd, 201 and 2O2,Znd Floor, AP81 , Koregaon Park AnnexMundhwa, Pune, IVa harash trzr-41 1036

42.The Chief l/anager, mPokket, PS Srijan Corporate Park. l-ower 1, 120, Floor, Unit No. 1204, 2, EP And GP, Sector V. Bidhannagar, Ko kala, West Bengal- 700091. 43.The Chief [\/anager, ADITYA BIRLA CAPITAL. Srishti Tower, H No 11981211113, Crty Rd, VIP Hills, Jaihind Enclave. Medhapur, Hyderabad, Telangana-50008-1 5()

44.The Chief Manager. Muthoot finance Lrmited, First Floor, Srinivasa Cornplex, Piller number 813, H. No. 15-21-4612, lvl J Cotony, Balaji Nagar, Kukatpally, Hyderabad, Telanqana 50OO7 2

45.The Ctrief Manager. Prramal Caprtal and Ftousing Finance, 601, 6th Floor, Amiti Building, Agaslya Corporate Park, Kamani Junction, Opp. Fire Station, LBS Marg, Kurla(W), l/umbai - 400C70

46.The Chief Manager Credrt Right Finance Pvt Ltd, 6th Floor, Vasavi Sky City, Telecom Nagar Bearing Oflrce Units No.604 to 605, Gachibowli Cir, Telecom Nagar, Gachibowli Telangana - 500032

47.The Chief Manager. NeoGrowth Credit Pvt. Ltd, Times Square, Tower E,9th Floor, Andheri-Kurla Road. Marol, Andheri East, Mumbai- 4OOO59, Maharashtra.

48.The Chief [Manager Arthrnate Financing lndia Private Ltd, (lvlamta Project Private Limited) Room No. 1528. 15th Floor, Bengal lntelligent Eco Em-3, Sector - V, Salt Late Crty. Kolkata. Kolkata, Wesl Bengal lndia - 700091

49.The Chief Manager, ONE CARD, Disha Bldg, Sy.No. 127, Mahavir Park, Pune, Maharastra - 411045 . 5O.Tlrc Chief Manager. KISETSU SAISON FINANCE PRIVATE LTD., Awfis, Somajiguda, 3rd Floor. Oyster Oasis Complex, Somajiguda, Hyderabad, Telangana 500016

51.The Chief Manager. HERO FINCORP, A-44, I\,4ohan Cooperative lndustrial Estate, Malhura Road, lJew Delhi - 110044.

52.The Chief Manager. NDX P2P Private Limited, 1st Floor, 8-104, The Qube C.T.S.No.1498, Al2, M.V Road. Hasan Pada Road, t\ilittal lndustrial Estate, Marol Andheri (East). ti,4umbai. Maharashtra 400059

53.The Chief Nlanager. GROWW CREDITSERV TECHNOLOGY PRIVATE LIMITED, Vaishnavi Tech Park. South Tower,4th Floor, Survey No. 16/1 and 1712, Ambalipura Village. Vadhur Hobli, Bellandur Bangalore Karnataka lndia 560103

54. The Chief Manager, Kotak Mahindra Bank Limited, Jewel Pawani Tower, 631 109/'llPG2. Somajiguda, Hyderabad, Telangana 500082

55.The Chief Manager. YES BANK. Bearing No 1/8/3B7, GF, Agravanshi Plaza Huda, Lane, off Sardar Paiel Road, Begumpet, Hyderabad, Telangana 500003

56.The Chief Manager. A.XIS Frnance Limited, 73/A, Park View Enclave, Jubilee Hills, Hyderabad, Teiangana 500C33

57.The Chief Manager. Cap Fioar Firancial Services Private Limited, New No. 3 (Old No. 211), Gokaldas Platinum, Upper Palace Orchards, Bellary Road. Sadashiva Naga!', Bergaluru - 560080.

58.The Chief Manager'. South lnd;an Bank Ltd, F9PQ + 5Q7, Plot No. 541 & 542. Unit No. G2 & G3, Near Ra;iv Circle,6th Phase, KPHB Colony, Kukatpally P.O,, Ranga ReCdy. Hycerabao. Telangana 50C085.

59.The Chief lv'lanager, AU Snrall Finance Bank Limited, 56A, Hemanta Basu Sarani, Stephen House. BBD Bag, Kolkata - 700001 60.The Chief Manager. Cap Float Financial Services Private Limited, New No- 3 (Old No. 211), Gokaldas Plairnum, Upper Palace Orchards, Bellary Road, Sadashiva Nagar. Bengaluru 560080. 61 . The Chief lvlanager, Karur Vysya Bank Limited, F9V5 plus PGC, PLOT NOS.46 TO 49, Ivladhava Nagar Colony Kandi Complex, Near Sai Ranga Theatre Miyapur, Hyderabad - 500049

62.The Chief Manager, PayU Finance lndia Private Limited, Empresa Building, Officer No, 102 Second Road. Khar West, Mumbai, lVlaharshtra - 400 052 63.The Chief Manager, Early Salary Services Pvt Ltd., Unit No. 404, The Chambers Viman Nagar, Pune. Maharastra

64.The Chief Manager, Northern Arc Capital Limited., 10th, llTM Research Park. Kanagam Rd, Kanagam, Tharamanr, Chennai, Tamil Nadu 6001 13

65.The Chief Manager, FEDERAL BAI\,IK. Post Box. 103, Federal Towers, Aluva. Kerala. - 683101. (rll Patrgadda. Chikoli Gardens, Begumpet, Hyderabad, Telang;:na 500016

66. The Chief l\,4anager, State Bank of India, 1-11-252, 1 . Begurnpet Rd. Old 67 The Chref Manager. INDUSIND BANK Ltd, Durga Tower, Plot I'.lo 1-8- 435i112 1 B-436, 1, Sardar Patel Rd, Begumpet, Secun<ierabad, Telangana 5000 10 68 The Chref lrrlanager, Axis Bank, 1 st Floor, G Pullareddy Building. 6,3,87918. Begumpet Rd, Punjagutla Officers Colony, Punjagrtta, Hyderabad. Telangana 50001 6 69 The Chiel lVlanager, Kotak [Vlahindra Bank Limited, Upper Ciround Ftoor, Uma Rayeswar Plaza. Plot no76, 9th Phase Rd, near The [:c,rum SuJana Ma . Kukatpally Housing Board Colony, Kukatpally, Hyderabad 1-elangana 5OOO7 2 70. The Chref [,4anager, Akara Capilal Advisors Private LimiteJ, 60, Second Floor. Ar;un Nagar. Kotla l\rlubarakpur, New Delhi, Delhi, lndia, .1 '10003 71. The Chief [Vlanager, Poonawalla Fincorp, No.7, Roxana To,wers, Oflice No G, 1 to G 4 Ground Floor, Block '8, 1-24l1lRT, Gree nlands, Begumpet, Hyderabad Telangana 500016 72 The Chief zlanager, INDUSIND Bank Limited, C9VP arrd QV8, Hitech Crly Rd, Arunodaya Colony, Sri Sai Nagar, Madhapur, Hy<le,rabad. Telangana 500081 73 The Ch'ef ftlanager. FEDERAL BANK, Post Box. 103, Fe,j<:ral Towers Atuva. Kerala - 683101 . 596/5/Bi 1, Road No. 10, Banjara Hills, Hyderabad, TG-500034 House. Keshavrao Khadye Marg, Mahalaxmi, Mumbai - 410034

74. The Chrcl l\,4anager 1 , lnnofin Solutions Private Limited. 3.rvami Vivekananda Rd. l\,4alad Navy Colony, Nadiyawala Colony 2, [/a ad West. Irlumbar. l,4aharashtia 400064 75 The Chref lvlanager, Catholic Syrian Bank, 3-3-12, Ras;htrapati Rd. Kurrna Ba si hr Gene ra i B azaar, Ka lasiguda, Securderabad, Tela -rlyana 500003 76. The Chief Manager, HDB Financial Services Limited, Cirl:und Floor. Zenith 77.f hc Chte{ Manager. Caspian lmpact lnvestment Private LimiteC. 8-2- 78 The Chiei l,,ilanager, Northern Arc Capital Limited, t 0ttr, ltllll RESEARCH PARK. Kanagam Rd, Kanagam, Tharamani, Chennai, Tarnil Nadu 6001 13 79. The Chiel lvlanager, L & T Finance Limited, 6th Floor, E;rinda van, plot No 177. C.S T Roacl. Kalina, Santacruz (East), Mumbai - 4C0 098, Maharashtra lnii ra 8C The Crief l'r,4arager, NAVI FINSERV, AMR Tech Fark. Gi-ound Fiocr 81.The Chief l\4anager, IDFC FIRST Bank, The Square, C j1, G Stock. G;-oun<j Fiocr to 8in Ficor. Bandra Kurla Complex, Bandra East, Llr-rmbai 400C5i 82 The Cnrei I'vlanager, SMFG lndia Credit Company LtC, 3rd Ficcr. trjo - 105 Hcn,.J.rsalrara Vlllage Hosur road, Bengaluru, Karnataka - 560Lr,3S. lvleqh Towers. PH Road lvladuravoyal, Chennai - 600 09f 83 The Chrcl l',lanager, Ne_ocrowth Credit Pvt. Ltd, Unit tio 50,r, V.V Viniagc - Boulcvarcj. Raj Bhavan Road, Somajiguda, Hyderabad, Te angana 500082 84 The Chief lV{anager, INCRED FINANCIAL SERVTCES LttultTED, 4ih Ftoor. BRR Cornpie: l-ISBC Bu-ilding, lnCred Finance, Raj Bhavan Rd, Scrnajiguda. Hyderabad. Teiangana 500082 B5 The Chref lr/anager, Cholamandalam lnvestment anc Finance Company Lrmried(CIFCL). Chola Crest, C54-55, Super B-4, Th ru-Vi-KA tndustflji Estalr:. Gurndy Chennai - 600032, Tamilnadu. 86. The Chref ltrlanager, IDFC FIRST BANK LIMITED, Ciround Ftoor. veer chambers, Nc 1 10-63/1/1 , opposite Shoppers Stol>, Chikotr Gardens, Begumpet Hyderabad, Telangana 500016 o SRI BONTHU LOKESH PHANINDRA REDD\', Advccate iOPUCI o SRI G PRAVEEN KUMAR, SC FOR lNDUSlNrt) [OPUC] o SRI K RATHANGA PANI REDDY, Advocate [3PUC] o SRi P RAMACHANDRAN, Advocate [OPUC] o IVs RA ,4YA KUNAPAREDDY, Advocate [Op J C] o SRI V SANTOSH, Advocate [OPUCI 87 One CC 88. One CC 89.One CC 90. One CC 91 . One CC 92 One CC 93 One CC o SRI R MANGULAL, Advocate IOPUC] 6l

94.One CC to [r4s K RAI!4YA, Advoc,ate [OPUC] 95.One CC to SRI N B SUDARSHAN, Advocate [OPUCI 96,One CC to SRI SUDHARSHAN NARAHARI, SC FOR ICTCI EANK & YES BANK [OPUC]

97.One CC lo SRI B iITHENDER, CENTRAL GOVT COUNSEL [OPUC] 98,One CC to Ms B KAVITA YADAV, CENTRAL GOW. COUNSEL [OPUC] 99.One CC to SIVIT ANJALI AGARWAL, SC FOR CENTRAL GOW. [OPUC] 100One CC to SRI K MOHAN, SC FOR CENTRAL GOW. pPUCI 101One CC lo DEPUTY SOLICITOR GENERAL OF INDA, High Court for the State of Telangana at Hyderabad [OPUC] 102Two CD Copies BSR BS Pruc'.. 62 HIGH COURT DATED: 1210912025 COMMON ORDER ? 0 il0lJ 2s25 '1- -4. ' D :: I'4.T:.11\:r- i=r--- WP.Nos.25177, 20225, 20806, 20886, 211A1, 21132, 21 1 55, 217 1 2, 21937, 21 gg0, 21997, 2 1 gg 9, 2217 3, 22203. 22290, 23777, 23779, 23907 , 23952,23953, 23954,23986, 24021, 24042, 24093, 24302, 24313, 2441 6, 2447 8, 25256, 25310, 25358 and 25359 of 2OZ5 DISPOSING OF ALL THE WRIT PETITIONS, WITHOUT COSTS u, P.f C,

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