The High Court · 2025

Judgment

2. Union of lndia, Represent by its Secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager, 6, Sansad Marg New Delhi - i400i

3. HDFC BANK Limited, Rep by its Chief Manager PN 26, 33/A&34/B, Gr Ftr, Delta House, Sy No 68, Allwyn Cross Road Miyapur, Hyderabad - 500049. 4. 4XlS BANK, Rep by its Chief Manager Ground Floor, Sriven Mall, Miyapur Rd, J P Nagar, CG Employees Colony, Mayuri Nagar, Miyapur, Hydeiabad, Telangana 500049

5. INDUSIND Bank Limited, Rep by its Chief Manager 1-248, Upper Ground Floor, ltrliyapur Cross Roads, Bollaram, Telangana 500052

6. lClcl Bank, Rep by its Chief Manager, lClCl Bank Towers, Financial Dist, Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032 7. RBL Bank, Rep by its Chref l\4anager Shop no 54110 & 54/l1 Ground floor, Chanda Nagar, Hyderabad, Telangana 500050 8 SBI Cards and Payments Services Limited (SBl Card), Rep. Manager, DLF Cyber City, Tower C, Block 2, Building 3 DLF 12th Floor, Gurugram. HR - 122002 by its Chief lnfinity Towers,

9. KOTAK MAHINDRA BANK, Rep. by its Chief Manager, 12-6-21219/1, JAYA COMPLEX, KUKATPALLY l0.American Express Banking Corp, Rep. by its Chief Manager, MGF Metropolitan 7th Floor. Office Block, District Center Saket, |.lew Delhi -110 0't7 ,l i I l I ,/

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

12. CapFloat Financial Services Pvt.Ltd, Rep by its Chief Mana Towers, 6-3-354, Rd Number l,Mothi Nagar, Dwarakapuri, Hyderabad, Telangana 500034 ger, 4th Floor, S B Banjara Hills,

13. Karur Vysya Bank Ltd, Rep by its Chief Manager F9V5 plus PGC, PLOT NOS.46 TO 49, Madhava Nagar Colony Kandi Complex, Near Sai Ranga Theatre, Miyapur, Hyderabad - 500049

14. lnnofin Solutions Private Limited, Rep b Vivekananda Rd, Malad, Navy Colony, Mumbai, Maharashtra 400064 v N its chief manager 1, Swami adiyawala Colony 2, Malad West,

15. BAJAJ FlNANCE,Rep. by its Chief Manager, 6th Floor, Bajaj Finsery Corporate Office, Pune-Ahednagar Road, Vrman Nagar, Pune 411 014. '16 TATA CAPITAL, Rep. by its Chief Manager, lloi Floor, TowerA, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, Maharastra - 400013. '17. YES BANK, Rep by its Chief Manag Gouthami Nagar Colony, Jawahar e Telangana 500050 er Ground Floor, Shop No.'l 1, 77, NH 65, olony, Chanda Nagar, Hyderabad, 18 HERO FINCORP, Rep. by its Chief Manager, A-44, Mohan Cooperative lndushial Estate, Mathura Road, New Delhi - 1 10044.

19. KRAZYBEE Services Private Ltd, Rep. by its Chief Manager, The Royal 9tone Park, !-o.,100, Sakshi Nagar, Pai Layout, Bennigana Halli, Berigaluru, Karnataka - 560016. ...RESPONDENTS Petition under Article 226 of the Constitution of lndia praying that in the circumstances stated in the affidavit filed therewrth, 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 19 in attempting to recover amounts from the petittoner 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 Circutar dated 12.08.2022 bearing No. RBll2022-23148, DOR.ORG.REC.65121 .04 158t2O22 23, and further dectaring the inaction of respondent No. 2 in enforcing the said Crrcular as unconstitutional 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 aforesard Circular in all recovery proceedings, and further restrain respondent Nos. 3 to 19, their agents, recovery agents, executives, managers, or any person actrng 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 19 for violating legal norrns, and pending disposar of the writ_petition ;ir;cilhe-reJponoent Nos. 3 to 19 not to resort to any coercive T91.r.r":. ag^ainst the-pet-itioner **pt ttr.rgi i"irf meansandinstrictadherencetothe-Circularo"["Jii.oa.zd Counsel for the petitioner: SRt BONTHU LOKESH PHAN|NDRA REDDY Counsel for the Respondent No.1: SRI N. BHUJANGA RAO, Deputy Solicitor General of lndia Counsel for the Respondent No.3 & .t8: SRI N.B. SUDARSHAN Counsel for the Respondent No.S: SRI G. PRAVEEN KUMAR counsel for the Respondent No.6 & 13: SRr suDHARsHAN NARAHART Counsel for the Respondent No.11 : SRt B. SR|HARI Counsel for the Respondent No.15: Ms. K. RAMyA Counsel for the Respondent No.19: SRt THOMAS GEORGE Counsel for the Respondent No.2,4,7 to 10,12,14,16 & 17: _ - _ - The Court made the foltowing: ORDER I I I : I : THE HON'BLE SRT JUSTICE NAGESH BHEEMAPAKA UIRIT PETITION No.26LL7 of 2O2s ORDER: Heard Bonthu Lokesh phanindra Reddy, learned counsel for the petitioner, Sri G.Praveen Kumar, learned Standing Counsel for Indusind Bank, for respondent No.S, Ms.K.Ramya, learned counsel for respondent No. 15. Perused the record. 2 Despite service of notice, none appeared for remaining respondents t I

3. When the matter is taken up for hearing, learncd 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,520o of 2024, dated 25.04 .2024 and therefore, thq same order may bc passecl in this writ petition as well. The operative portion of the said order reads as under: , t "8. For the a-foresaid reasons ald as the procedure adopted by the respondent Nos.4 to 7 for recoven. ol loan amount from the petiLioner, amounts to violation ot thc rights guararteed under Articles 14 and 2l of the Constitution of lndia, this Court deems it appropriate to dircct the respondents, to ensure that the agenti engaged b_r.rhem for recovery of the loan anounts, sha.[ stnctlv lollon the guidelines and instructions issued b1. the Rescne Bank ,rf India and a.lso the judgznents of the Hon,ble Suprcmc Courr in ICICI Bank Ltd Vs. prakash Kaur,s case (f supra) and ICICI Bank Vs. Sharti Devi Sharma's case (2 supral. 9. With the above said direction, the urit pcrrrron is disposed of." 4 Learned Standing counsel for respondents have no objection to the sam e i i i I i l l I I I I I I I I I I : ,. ?

5. Accordingly, in terms of the order passed by this Court in W.P.No.5200 of' 2024 , dated' 25.04 .2o24 , and for the reas6ns alike, this writ petition is disposed of directing the respondent authorities and their agents to scrupulously follow the guidelines/ instructions issued by the Reserve Bank of India in its circular dated 12.08.2022 and- also the judgments of Hon'bleSupremeCourtinICICIBankLtd.v'PrakashKaur'rscaseand ICICI Bank v. shanti Devi Sharma'2s case, while recovering the loan arnounts from the petitioner. No costs- Pending miscellaneous applications, if any, shall stald closed' SD/.AHMED ABDULLAH KHAN ASSISTANT REGISTRAR //TRUE COPY// SECTION OFFICER To, New Delhi - 14001 '1. The Secretary, Ministry of Finance, Union of lndia, New Delhi 2. rhe chief Generat Mahaser. R;a;.; B;"i,ji'iiiiJiHat), 6, sansad Mars, 3. The Chief Manaoer. HDFC BANK Limrted, pN 26, 33/Aand34iB, Gr Flr, Delta . Houb-e, Sy No od', Rrrwyn crosa Ro;; [/-,;up;i.jjvje]raoao _ 500049. 4. The chief Manaoer Airs.Bnr.rx, crounriHroo; g;;" Mirr, -rriivipli na, .l p Na.gar, CG Empioy6es Co ton y. r\,lrrfi NA ;;: M iia p u r, nvo eraoao, Telangana 500b40

5. The Chief Manaoer. INDUS|ND Bank Limited, .l_248, Upper Ground Floor, Miyapur Cross Rloads. Bollaram Tetanna.', coonii' 6. TheChief Manager, tCtCt.Bant rCrCr dan[ i;;;;"- Financiat Dist, ptot No _ 1? Nanakramguiia, Gachibowri, Hvoeiaoal i6r'a"noina sooOS2 7. The Chief Maiaoei Rar eanr. Sn'op no"s +rid dol:alr i Grolr-no ttoor, ^ 9.trq9g Nagar, Fyderabad. Tetanq5na-Sboos6 "" " 8. The chief Manaoer. SBr caros and eJymenti-services Limited (SBr card), DLF Cyber City,iower c, eloir ), a,rti,"i'i"o:r_i li..,"liritv t *"t, r)i-n'#br, Gurugram, Hd. - 122002

9. The Chief Manager, KOTAK |VAH|NDRA BANK. 12-6_2t219/1 , JAYA COMPLEX, KUKATPALLY ' lrOO\, , (20os)7 scc 711 scc 532 1

10. The Chief Manager, American Express Banking Corp, MGF.Metropolitan 7th Floor, Office Block, District Center Saket, New Delhi -110 017

11.The Chief Manager, IDFC FIRST BANK, Ground Floor, Plot No 6-7, Survey No 68, Door No 1-1211K216-7, Nearby Athidhi Restuarant, Miyapur, Serilingampalle (M), Tetangana 500049 '12.The Chief Manager, CapFloat Financial Services Pvt.Ltd, 4th Floor, S B Towers, 6-3-354, Rd Number l,Mothi Nagar, Dwarakapuri, Banjara Hills, Hyderabad, Telanqana 500034 13 The Chie{ Manager, Karur Vysya Bank Ltd, FSVS plus pGC, PLOT NOS.46 I .l.O 49 Madhava NagarCololy Kandi Complex, Near Sai Ranga Theatre / Miyapur. Hyderabad - 500049' 14 The ciief manager 1, lnnofin Solutions private Limited, Swami Vivekananda Rd, Malad, Navy- C-olony, Nadiyawala Colony 2, Malad West, Ir/umbar, Maharashtra 400064

15. Th.e Chief Manager, BAJAJ FINANCE, 6th Floor, Bajaj Finsery Corporate Office, Pune-Ahednagar Road, Viman Naqar. pune 411 014.'

16. The Chief Manager, TATA CAPITAL, lloi Floor. Tower A, peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, Maharastra - 400013. 17 The Chief Manager,.YES BANK, Ground Floor, Shop No.I .l , 77, NH 65, _Gouthami Nag^ar Colony, Jawahar Colony, Chanda Nagar, Hyderabad, Telangana 500050 18 The Chief Manag_er, HERO FINCORp, A44, Mohan Cooperative lndustraal Estate, Mathura Road, New Delhi - 110044. 19 T.he C^hief M.anager, KRAZYBEE Services private Ltd, The Royat Stone park, No. '100, Sakshi Naqar, Pai Layout, Bennigana Halli, Bengaluru, Karnataki _' 56001 6 CC to SRI BONTHU LOKESH?HANINDRA REDDY, Advocate tOpUCl CC to SRI N. BHUJANGA RAO, Deputy Solicitor Generat of loPUCl 9Q to V!, I B4MY4, Advocate [opUC] 99 to 9E! B. SRIHAR|, Advocate tOPUeI CC to SRI N.B. SUDARSHAN. Adi/ocale ioPUCI CC to SRI G. PRAVEEN KUMAR. Advocite IoPIJCI CC to SRI SUDHARSHAN rydfAHARt, Advrjcare t(jpUCl CC to SRI THOMAS GEORGE, Advocate [OPUC]' CD Copies

20. One 21 . One India 22.One 23. One 24. One 25 One 26. One 27.One 28. Two BN BS ! HIGH COURT DATED:1 111112025 11 \ I I t { .) O Ar {i, 't 6 t;q\ 2026 t m * ORDER WP.No.26117 ot 202i DISPOSING OF THE WRIT PETITION WITHOUT COSTS r-1\ t\) ) ! i ; t E I $l ,ltl €