The High Court · 2025

Sattinaoalli Bharat. S/o Sattinapalli Koteswara Rao, Age. 32 Years' Occ' Pvt Emo. Rl/o # 32-13-39tSB, Boyapati Madhava Rao Street, Moghalrajpuram, Viia'y'awaaa(urUan), Krishria Di3trict, Andhra Pradesh - 520010. ...PETITIONER AND Serilingampalle (M), Telangana 500049 -

1. Union of lndia, Represent by it s Secretary, Ministry of Finance, New Delhi i. nijll*" ein( oi'lnaia (RBt1, Represeni bv its Chief General Manager, 6, Sansad Marg, New Delhi - 110001 S. koiak-Mihin"dra bank Ltd, Rep. by its chief Manager Ground Floor - Office' No -' i-os, pierieieuiiuing, Plot No 35,36,41&42 Survey No 76, Madhapur Village, Senilingampally, Mandal, Hyderabad, Telangana.5oo081 +. nii5 e?Nk, fiep UV its'Chief Manager Ground. Floor, Sriven Mall, Miy?pqr ' iid;l p Nitiar,-bc'Employees Coloiv, Mavuri Nagar, Miyapur, Hvderabad, Telangana 500049 5. HiiFCBANk ttO, Rep by its Chief Manager PN 26' 33/48.3418, G! Flr, Delta - HousL, Sv No 68; Alhwn Cross Road Vlv-apur, Hyderabad - 500049 - - o. iorc-Ff-iSi-aANx, Rep bv its Chief Mahager-Ground Floor, Plot.No 6-7, - brrvLv No oa. oooi Nc; 1-i21lKzJ6-7, Nearby Athidhi Restuarant, Miyapur' z. XOfCtrebila Findncial S6rvices Pfi Ltd' Rep. bv its Chief Manager C-/1 , 9- " b{ Forti,"*i-s, o-C-t-9t, opposite Yashodd H6spital Road, Somajiguda, Hyderabad, Telangana 500082 g. Piramal Finance limiteo, Rep. by its Chief Manager-601 , 6th^Floor, Amiti Buildino. Aoastva Corporate Park, Kamani Junction, opp. Flre litallon, LEr tutarg, Ruda'(Wi, tvtumbai, MH 400070 - e. ffi;ru; tiiibiJ einkns corP., bf its chief Manaser, . M.GF -' ivi"iii'ioiitr"'itriFtooi- offide Btock, Disthct center saket, New Delhi -110 017. f O.eA.Jh.J FINANCE Ltd, Rep. by its Chief Manager,.6th Floor, Bajaj Finsery - $rdrate Office, pun6-Rfrinedhagar Road, Viman Nagar, Pune, Maharastra - 411014. rr.ftiOl.lbi'f..iO Bank Limited, Rep by its Chief Manager CgVP PLUS QV8, Hitech ' bitv nO, nrf^odaya cobhy, Sri Sai Nagar, Madhapur, Hyderabad, Telangana 500081 r Z. Fei Bank. Rep. by its Chief Manager Shop no 5-4110 and 5-4111 Ground -EeP. floor, Chanda Nag-ar, Hyderabad, Telangana 500050 I l3.KRAZYBE:E Services Pvt Ltd, Rep. by its Chief Manager, The Royal Stone Park, No. 100, Sakshi Nagar, Pai Layout, Bennigana Halli, Bengaluru, Karnataker - 560016.

14.SBl Cards and Payments Services Limited (SBl Card)., Rep. by its Chief Manager, DLF Cyber City, Tower C, Block 2, Building 3 DLF lnfinity Towers, 12th Floo', Gurugram, HR - 122002. '15.Standard Chartered Bank, Rep by its Chief Manager A, Ground, Sathsurya, Plot no 046, Square, Road No. 36, Jubilee Hills, Hyderabad, Telangana 500033 'l6.CapFloat Financial Services Pvt.Ltd, Rep by its Chief Manager,4th Floor, S B Towers, 3-3-354, Rd Number 1, Mothi Nagar, Dwarakapuri, Banjara Hills, Hyderaberd, Telangana 500034

17.Karur Vysya Bank Ltd, Rep by its Chief Managei FgVs PLUS PGC, PLOT NOS.46 TO 49, Madhava Nagar Colony Kandi Complex, Near Sai Ranga Theatre, Miyapur, Hyderabad - 500049 ...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 issure an appropriate Writ, Order, or Direction, more particularly in the nature of Writ of Mandamus, declaring the action of respondent Nos. 3 to 17 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and high-handed nlanner without following the due process of law and in blatant violation of th,3 Reserve Bank of lndia Circular dated 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 unconstitutional and viglative 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 tre due process of law and the aforesaid Circular in all recovery proceedings, ;lnd further restrain respondent Nos. 3 to 17, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in zrny acts of intimidation, harassment, ,humiliation, or intrusion into the privacy ol 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 oflicials of respondent Nos. 3 to '17 for violating legal norms, and pending disprsal of the writ petition, direct the respondent Nos. 3 to 't 7 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: Ms. THAKUR MANASWINI SINGH REP SRI. BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No. 1: SRI N. BHUJANGA RAO, Deputy Solicitor General of lndia Counsel for the Respondent No.11: SRI G. PRAVEEN KUMAR , SC FOR INDUSIND BANK LTD Counsel for the Respondent Nos. 2to17:- The Court made the following: ORDER i I , \ \ THE HOIT'BLE SRI JUSTICE UACPSH BHEEMAPAKA ORDER: o. 27421 of I-leard Ms.Thakur Manaswini singh, Iearned counsel representing Sri Bonthu Lokesh phanindra Reddy, learned counsel for the petitioner, Sri G.Praveen Kumar, Iearned Standing counsel fo,' INDUSIND Bank Limited, for respondent No.1 1 and sri N.Bhujringa Rao, learned Deputy Solicitor General of India for respondent No.1. Perused the record.

2. wher. the matter is taken up for hearing, learned counsel for pctitioner r;ubmitted that the issue raised in this Writ Petition is squarely :overed by the order passed by this court in w.P.No.52()o of 2024, dated 2s.04.2024 and, therefore, the same order may be passed in this writ petition as well. The operative portion of r:he said order reads as under: "8. For the aforesaid reasons and as the procedure adopted by the respondent Nos.4 to T for recovery of loan amount from the petitioner, amounts to violation of the rights guaranteed under Articles 14 and 2L of the Constitution of India, this Court deems it appropriate to direct the respondents, to ensure that the agents engaged by !t:* for recovery of the loan amounts, shatt strictly follow the guidelines and instructions issued by the Reserve Bank of India and also the judgmenls of the Hon'ble Supreme Court in ICICI Bank Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Bank Vs. 2 Shanti Devi Sharmars case (2 supra) 9. With the above said petition is disposed ot-.,, direction the writ

3. Learned standing coursel does not clispute the submissions of learned counsel for the petitioner. 4' [n terms of the order passed by this court in w.p.No.520o of 2024, dated 25.04.2024, ancl for the reasons alike, this writ petition is disposed of directi,g the respondent authorities tc scrupulously follow the guidelines/instructions in the RtsI circular dated 12.a8.2o22, and also the judgments of H.,,}:re Supreme court in ICICI Bank ttcl vs. prakash Kaur and othersl and ICICr Bank vs. shanti Devi sharma and others2. t Pending miscellaneous ztpprications, if any, shalt stand //TRUE COPY// SD/-A.SRINIVAS REDDY / ASSISTANT REGISTRAR I ,.(? SECTION OFFICER closed. To,

1. The Secretarv, Union of tndia, Ministry_of Finance, New Delhi 2' 3' one cc to SRr. B.NTHU LoKqs-H 4' I3iHf,l,*i;Ateil;s;;,-h'"!"'," s"nr 6' iiila (Fib[, 6''sansad Mars, BED_py Advocate topucl ffi8? to sRr. N. BHUJArrtGnilo; Dilii6,l?.it;; c;l,.iri;iTiEi. 3. ?ff 33 3;[! G. PRAVEEN K,MAR, sc FoR TNDUSTND BANKlopucI 'HANTNDRA BM 9v r *t_ --- i i i I i I i I I I I I HlcH coutRT DATED i07 i1012025 ,. -. si,{l'E r) () 0 g ttB ztftt +' * i. ORDER WP.No.2i'421 of 2025 DISPOSING OF THE WRIT PETITION WITHOUT COSTS o @ 1,\ v& o\ I