The High Court · 2025

lClCl Bank, Rep. by its Chief Manager, lClCl Bank Towers, Financial Dist. Plot. No. '12, Nanakramguda, Gachibowli Hyderabad, Telangana 500032. INDUSIND Bank Limited, Rep by its Chief firlanager 1-248, Upper Ground Floor, Miyapur Cross Roads, Bollaram, Telangana 500052 Mahindra and Mahindra Finance Ltd, Rep. by its Chief Manager, tr/ahindra Towers, 3rd Floor, A Wing, Dr. G.M. Bhosale Marg, P.K. Kurne Chowk, Worli, lVlumbai, Maharashtra, 40001 B Clix Capital Services Private Limited, Rep. By its Chief [Vlanager, Plot No.23, 5th Floor, Govind Lal Sikka Marg, Rajendra Place, New Delhi - '1 10008. Kisetsu Saison Finance India Pvt Ltd, Rep. By its Chief Manager, Indiqube Lexington Tower, First Floor, Tavarekere Main Road, Tavarekere, SG eitya, Bengaluru, Karnataka - 560029_ SBM BANK, Rep by its Chief Manager, 306 - A, The Capital, G btock, Bandra-Kurla Complex, Bandra East, Mumbai 400051, N/aharashtra.

10.BAJAJ FINA_NCE Ltd, Rep. By its Chief Manager,6th Ftoor, Bajaj Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar, Pune, Ivlaharashtri - 411014 ...RESPONDENTS Petition under Article 226 of lhe Constitution of {ndi L praying that in the circumstances stated in the affidavit filed therewith, the -ligh Court may be pleased to issue an appropriate writ, order or direction mr: e pa(icularly one in the nature of wRlr oF [/ANDAlvlus declaring the action of t re respondents innot controlling the agents who harassing the petitioner anc his family by the respondents Nos. ai to 10 (bank authorities and financial i rstitutions) is illegat, arbitrary. violatron of the principles of natural justice and bl:.ant violation and as well as Rules framed under Reserve Bank of lndia and fir , fundamental rights guaranteed under the constitution of lndia consequently di 3ct the respondents not to harass the petitioner and his family members on tht; ground of collecting the monthly instailment dues and direct respondent nos. 3 tr; 10 to follow circular dated 1 2. 08.2022 vid e RBll 2022-23 I I 08, DOR.ORG. REC. (i ;/21 O 4. 1 SB I 2022-23 issued by respo ndent n f,.2 lA NO: 1 OF 2025 Petition under section 151 cPC praying that in the circ umstances stated in the affidavit filed in supporl of the petition, the High court may be pleased to direct the responderts not to take any coercive measures a lainst the petitioner and not to harass him and his family without following du<r process of law and followrng Circular dated 12.08.2022 vide RBll2O2i -231 .108, DOR. ORG.REC.65/21 .04 15812022-2 issued by RBt, pending c sposal of the writ petition Counsel for the Petitioner : SRI M KESHAV YADAV Counsel for the Respondent Nos.1 & 2 : Deputy Solicitor Ge reral of India Counsel forthe Respondent No.4: SRI N. SUDHARSHAN Counsel for the Respondent No.5: SRI G. PRAVEEN KUMAr Counsel for the Respondent Nos. 6,9 & 10: Ms. K. RAMyA Counsel for the Respondent Nos.3,7 & g: --- The Court made the following: ORDER :ry THE }ION'BLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION No.2487O of 2025 ORDER: He ard Sri M. Keshav Yadav, learned counsei for the petitioner; learned Standing Counsel lbr Central Government representing learned Deputl Solicitor Gcneral of India, for respondcnt No. 1; Sri N. Sudharshan, learned counsel for respondent No.4; Sri G. Praveen Kumar, learned counsel for r-cspondent No.5 and Ms. K. Ramya, learned counsel for respondent Nos.6, E ancl 1O.

2. When the matter 1s taken up for hcaring, learncd counscl lor petitioner submitted that the issue raised in this Writ Petition is squarely cotercd b1' the order passed by this Court in W.P.No.S2OO ol 2024, daLed ')3.O4.2O24 and therefore, thc same order may be passed in this u'rit f t petition as rl,ell. The operative portion of the said order reads as under: "8. For thr: aJoresaid reasons and as thc procedure aclopted by the respondent Nos.4 to 7 for recovery o[ Ioal anount from the pctitioner, amounts to violation of the rights guararrtecd under Articles 14 and 2l of the Constitution of lndia, Lhis Court deems it appropriate to dircct the respondents, to ensure that the agents engaged by them for recovery of the loan amounts, sha1l strictly follorv the guidelines ald instructions issued by the Reserwe Bank of India and also the judgments of the Hon'ble Suprerne Court in ICICI Bank Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra). L With the above said direction, the writ petition is disposed of."

3. I-earned coltnsel lor rcspondent Nos. 1, 4, 5,6, 8 and 1O have no 2 objection

4. Accorciingi,.. in icrms of Lhe ordcr passcc br.. rhis CloLrrt lu W.P.No.52O0 oi 2024, clat ccl 25.04.2024, t-d lor rhe r_r I sons alike. Lhis r.r.r;r pe[ition is disposecl of directing the respon<lent aLlt]ror i.es .nd thcir agents to scrupulousl_r. foilou. Lhe guidelines / instruc tions rs:;r Led by the Rescrvr Bank of India in its circular dated 12.0g.2 022 and a r o the juclgmerts of Hon'ble Supre me coql1 111 rcICI Bank Ltd. v. prakas;l r Kaurlls case .rn.J ICICI Bank v. Shanti Devi Sharma,2s case, u,hile r :cor, cring thr: lo:rn amounts from Lhe pctiltoncr. No costs. Pending miscellaneous applica[ions, if any, shali,, tand closcci. \I I To, /iTRUE COPY// sD/. [. BHAVANT SWAMY ,Gs:; brarur REGISTRiR SEcTIoN oFFICER \ 3

1. The Secretary, The Union of tndia, Ministry of Finance, I ew Delhi 2. Chief General Manaqer, The Reserve Bank of Indla, 6, S ansad Marg, New Delhi -1 10001 Chief Manager, Mas Financial Services Limited Chambers, B/h Patang Hotel, Ashram noaO, nfimeOit,,, lth Floor, Naravan - 380009, Gujarai. 4 9l5j,9l:9.grt tPtcl Bank, tCtCt Bank T_owers, Financ r I Dist. ptot. No. .12, 5. Chief lVanaqer. lNDt,StND Bank Limited, 1_248, Upper lround Floor, r\anaKramguoa, Gachibowli Hyderabad, Telangana sOC( 32. Miyapur Cro-ss Roads, eolairr, fti;nllr; 5d06# 6. chief [t{anager, r\rlahindra.and lirrahindra Finance Ltd, M r rindra Towers, 3rd Floor, A Wing, Dr G.l\,4. Bhosale l\,4arg, p k. kurne Ci oui ,, Worf i, fr,lll"iul, - Maharashtra, 4000i 8 Chief M.ana_ger, Clix Capital Services private Limited, F covind Lal Sikka [/arg, Rajendra place, New Delhi _ 1 1r) Manager, Kisetsu Saison Finance lndia pvt Ltd, lnc -Chief Tower, First Froor, Tavarekere Main Road, fiuar"f,eie, Kamataka - 560029. qube Lexington G Palya, Bengaluru, lot No.23, sth Floor, )08. 7 = o =7 I I

9. Chief l!4anager, SB|\I. BANK, 90q - A, The Capital, G block, Bandra-Kurta Complex, Bandra East, Irrlumbai 4OOO51', Vanaiasntra 10 ch.ief N4gnasqr BAJAJ FTNANCE Ltd, 6th Froor, Baiai Finsery coroorare off i ce, P u n e -A h m ed n a g a r Ro a d, Vi m a n ru a ga r,'pGel tt r i "ni rir.-nii5 :' iii o r + 11 One CC to SRt. IM KESHAV YADAV Advocate tOpUCl 12. One CC to Deputy Solicitor General of lndia Advocate [OpUC] 13. One CC to SRt N. SUDHARSHAN Advocate tOpUCl 14. One CC lo SRt G PRAVEEN KU|VAR, Advocate [OPUC] 15.One CC to [\zls. K RAMYA, Advocate IOPUCI 16. Two CD Copies 0n Iff PVL I I HIGH COURT t \ DATED:1311012025 , I ORDER WP.No.24870 of 2025 .,4, / .:. i -l i- l,- ll4 tifl iilE \ \- ')ir- .. DISPOSING OF THE WRIT PETITION WITHOUT COSTS (*- 1 \ 1l yf