Sai Sharath Thallapelly v. Marg, New Delhi -110001

1. The Union of lndia, Rep. by its Secretary, Ministry of Finance, New Delhi 2. The Resenye Bank of lnCia, Rep. by its Chief General [r,4anager, 6, Sansad 3 AXIS BANK sth Floor, Gigaplex, Plot No 1.T.5, lMlDC, Airoli Knowtedge park, 4. lclcl Bank, Rep. by its Chief fvlanager, lClCl Bank Towers, Financial Dist. ll_o! l.Jg 1 2, Nanakramguda, Gachibowli Hyderabad, Telangana 500032. 5. HDFC BANK Ltd, Rep by its Chief lr/anager PN 26, 33/A & 34/8, cr Fir, Detta House, Sy.No.68, Allwyn Cross Road t\,4iyapur, Hyderabad - 500049 6. Bl Cards and Payments Services Limited (SBl Card), Rep. by its General Manager, Unit Nos. 3C 3D and 3E, 3rd Floor, Queens Plaza, SP Road Secunderabad, Telangana - 500003 7 B_ajaj Fin_ance Limited. Represented by its Chief Manager, 6th Floor, Bajaj 8. KISETSU SAISON FINANCE PRIVATE LfD,49614,2nd Floor, 1Oth Cross 9. DIVII Finance Pvt. Ltd, Express Building, 3rd Floor, 9-10, Bahadur Shah Zafar Finserv Corporate Office, Pune, Maharaslra - 5411014 Sadashivanagar, Bangalore, Karnataka 560080. Marg, New Delhi- 1 10002

10. Navi Finserv Limited, 2nd Floor, Vaishnavi Tech Square, lballur Village, Begur Hobli, Bengaluru, 560102

11. MPokket Financial Services Pvt Ltd, Rep. by its Chief Manager, Ps Srijan Corp. Park, Unit-1204, Tower-|, Plot-G2, Street No 25, Gp Block, Sector V, Kolkata, West Bengal, 700091

12. RK Bansal Finance Pvt Ltd, Rep. by its Chief Managier, B/9, Pusa Rd, Block B, WEA, Karol Bagh, New Delhi - 110005 '1 3. American express service india limited, Suite No. 2, vatika business center nsl icon 3rd floor, Road No.12, Banjara Hills, Hyderabad, Telangana 500028 14.Arnold Holdings Ltd, 8-208, Ramji House,30, Jambulwadi, J.S.S. Road, Mumbai - 400002

15.BOB Financial Solutions Ltd, Head Office, Baroda Bhawan, R.C. Dutt Road, Vadodara - 390007, Gujarat, lndia. l6.Krazybee services pvt ltd, 3rd Floor, No. 128/9, Maruthi Sapphire, HAL Old Airport Road, Murugesh Palya, Bangalore - 560017. ...RESPONDENTS Petition under Artrcle 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 one in the nature of wRlr oF IVANDAMUS declaring the action of the respondents in not controlling the agents who harassing the petitioner and his family by the respondents Nos. 3 to 16 (bank authorities and financial institutions) is illegal, arbitrary, violation of the principles of natural justice and blatant violation and as well as Rules framed under Reserve Bank of lndia and the fundamental rights guaranteed under the constitution of tndia consequenfly direct the respondents not to harass the petitioner and his family members on the ground of collecting the monthly installment dues and direct respondent nos. 3 to 16 to follow circular dated 12 08.2022 vide RBl2022-23r108, DoR.oRG REc.65/21.04. 1s}r2o22-23 issued by respondenr No.2. lA NO: 1 OF 2A25 Petition under Section '1 51 cpc praying that in the circumstances stated in the affidavit filed in support of the writ petition, the High court may be pleased to direct the respondents to not take any coercive measures against the petitioner and his family without following due process of law and following circular dated 12-08.2022 vde RBtl2o2iz-z3t108, DoR.oRG.REC.65/21.04.5158t2022-2 issued by respondent no.2 i.e. RBl, pending disposal of the writ petition. Counsel for the Petitioner: SRI M.KESHAV YADAV counsel for the Respondent No.1: sRr N.BHUJANGA RAo, Deputy soricitor General of lndia Counsel for the Respondent No.4: SRI SUDHARSHAN NARAHARI Counsel for the Respondent No.7: Ms. K.RAMyA Counsel for the Respondent No.11: Ms. CHALLA KIRANMAYEE Counsel for the Respondent No.13: SRI N.B.SUDARSHAN Counsel for the Respondent No.16: SRI THOMAS GEORGE Counsel for the Respondent No.2,3,5,6,8,9,10,12,1 4,15: NONE APPEARED The Court made the following: ORDER THE HON'BLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION No.2484I. of 2o25 ORDER: Heard Mr.M.Keshav Yadav, learned counsel for petitioner, Mr. N. Bhujanga Rao, learned Deputy Solicitor General of India, for respondent No.1, Mr.Sudharshan Narahari, learned counsel for respondent No.4, Ms.K.Ramya, learned counsel fcr respondent No.7 Ms.Challa Kiranmayee, learned counsel for respondent No. 1 1, Mr.N. B.Sudarshan, learned counsel for respondent No.13 and Mr.Thomas George, learned counsel for respondent No.l6. perused the record.

2. Despite service of notice, none appeared for remaining respondents.

3. When the matter is taken up for hearing, learned counsel for petitioner submitted that the issue raised in this writ petition is squarely covered by the order passed by this Court in W.p.No.5200 of 2024, dated 25.O4.2024 and, therefore, the same order may be I I passed in this writ petition as well. The operative portion of the said order reads as under: "8. For the aforcsaid reascns ald as ,-he procedure adopted by the respondent Nos.4 to T for recovery of loan arnount from the petitioner, amounts to violation of the rights gua.ranteed under Articles 14 ard 2I of the Constitution of India, this Court deems it appropriate to direct t.le respondents, to ensure that- ihe agents engaged by them for recovery of the loan "-or.l.rt", "hull strictly follow the guidelines and instructions issued by 2 the Reserve Bank of India and also the judgments of tJle Honblc Supreme Court in ICICI Bank Ltd Vs. prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's cerse (2 su pra). 9. disposed of. " Wir h thc abovc said direction. the writ petition is

4. Learned Counsel lor the respondents does not dispute the submissions of learnerl counsel lor the petitioner.

5. : In terms of the order passed by this Court in W.p.No.52O0 of 2024 ' dated 25.04.2024, and for the reasons arike, this writ petition is disposed of directing the respondent authorities to scrupulously follo'"v the guidelines/ instructions in the RBi circular dated 12.O8.2022, and and also the judgments of Hon,ble Supreme Court in ICICI Bank Ltd. v. prakash Kaur'rs case and ICICI Bank v. Shanti Devi Sharma,2s case, while recovering the loan amounts from the petitloner. \o costs. Pending miscellaneous applications, if any, shall stand closed (20071 2 SCC 711 (2008) 7 SCC s32 2 To //TRUE COPY// SD/- L. VIJAYA LAXMI ASSISTANT REGISTRAR '.<; SECTION OFFICER Delhi -1'10001 Airolr, Navi lr,,,lumbai - 40O7Og. 1 Jl " 9pp.gtgry, Union of lndia, Ministry of Finance, New Delhi z. tne unlel Uenerat Manager, Reserve Bank of lndia, 6, Sansad Marg, New 3 1Il9 BANK Sth Ftoor, Gigaplex, ptot No t.T.5, N/tDC, Airoti Knowtedge park, 4 The chief Manager, rcrcr Bank, rcrcr Bank rowers, Financiar Dist. prot. No. . 1?'. ms u? a. 9 1c1r1o9w1i' H yo;, bd, iiiris:, n, 500032. c. rne unrer Manaoer. HDFC BANK Ltd, pN 26, 334& S+te-Gilir, Oelta ^ !gus^e, Sy.No.68', Ailwyn-cro_ss Ro;;'Miy;;;r:ivo"rro"o _ 500049 6. The Generar Manaoer- sBr cards ano p'aiimehiJ6E*,"", Limited (SBr cardL gnit Nos._3i. , 3D ana se.-CrJ Fto"ilorJ""Ji,rrii, si nJr,i--, >ecunoeraDao, I elanqana _ 500003 7. The chief Arranaoer Biiaj Frnanc^e Limited, 6th Froor, Bajaj Finsery corporate tt1ql gf iq Offrce, Pune. Ma"haiastia'- 541 1 01 4 I I I i I I 1 I I I I I I B. KISETSU SAISON FTNANCE PR|VATE LTD, 496/4, 2nd Ftoor, 1Oth Cross - Sadashivanagar, Bangalore, Karnataka 5600g0. 9. DMI Finance Pvt Ltd, Express Building. 3rd Floor, 9-10, Bahadur Shah Zafar '10. Navi Finserv Limited, 2nd Floor, Vaishnavi Tech Square, Iballur Village, Begur 11.The Chief Manager, MPokket Financial Services pvt Ltd. ps Sriian Coro. Hobli, Bengaluru, 560'1 02 Marg, New Delhi- 110002 Park, Unit-1204, Tower-|, Plot-G2, Street No 25, Gp Block, Sectirr V, Krittata, West Bengal, 700091 WEA, Karol Bagh, New Dethi - .l 10005

12.The. C.hief Manager RK Barisal Finance pvt Ltd, , g/9, pusa Rd, Block B, '13.American express service india limited, Suite No. 2, vatika business center nsl icon 3rd floor, Road No.12, tanjara Hills, Hyderabad, Telangana 50002ft- 14.A-rnoh Hold]ngs-Ltd, 8-208, Ramji House,3b, Jambutwadi, jS.S. noaO, Mumbai -400002 '15.BOB Financial Solutions Ltd, Head Office, Baroda Bhawan, R.C. Dutt Road, l6.Krazybqe Services Pvt. Ltd,3rd Floor, No. 128/9, Maruthi Sapphire, HAL Old Vadodara - 390007, Gujarat, lndia. Airport Road, Murugesh Palya, Bangalore - 560017. 17. One CC to SRt M KE9H^V_YADAV; Advocate tOpUCl 18. One CC to SRI N BHt/.J{f.qL Fl9...- pgp,lly So'ticitor Generat of tndia [OpUC] '19.One CC to SRt SUDHARSHAN NARAHARI, Advocate tOpUCl 20. One CC to Ms. K.RAMYA, Advocate tOpUCl 21 .One CC to Ms. CHALLA KIRANMAYEE, Advocate tOpUCl 22.One CC to SRI N.B.SPD_AE.S|AN, Advocate tOpUbI 23.One CC to SRt THOMAS GEORGE, Advocat6 topubl 24.Iwo CD Copies PSK. eip#- HIGH COURT DATED:1 811112025 ORDER WP.No.24841 of 2025 l -iHE s Y o (_) t 52 I'IA R ?a:fi z srlAIC HF-O * DISPOSING OF THE WRIT PETITION WITHOUT COSTS Z-\ '(ry 3\I/ t$t