Honble Supreme Court in ICICI Baak Ltd v. Prakash Kaur's case

12.|DFC Firs^t ^BanK Egp, by_ its Chief Manager, IDFC FIRST Bank Ltd, The Square, C-61, G Block, Bandra-Kurla Complex, Bandra (East), lrrtuniOai _ 400051.

13. Early . Salary Services Pvt. Ltd., 8ep Oy its Chief Manager 404, The Chambers, Viman Nagar, Pune, 41 1014. i Creva Capital, -Rgp,.9y its _Chief Manager lOth Floor, Tower 4, Equinox ark, LBS tvlarg, Kurla West, Mumbai, Mah,rashtra-400070.

14. S P .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 one in the nature of wRlr oF I\,4ANDAwUS declaring the action of the respondents in not controlling the agents who harassing the petitioner and his family by the respondents Nos. 3 to 14 (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 Bark of lndia and the fundamentar rights guaranteed under the constitution of lndia 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 14 to follow circular dated '1210812022 vide RBll2o22-23l 106, DoR.oRG.REC.65/21.04. 158/2022-23 issued by respondent no.2 and pass such other order or orders as this Honourable court may deem fit and proper the circumstances of the case in the interest of iustice, equity and good conscience. Counsel for the Petitioner: SRI M. KESHAV YADAV Counsel for the Respondent No 1: SRI JANARDHAN GOUD SUNKARI (sENtoR couNSEL FOR CENTRAL GOVT.) Counsel for the Respondent No 6 : SRI THOMAS GEORGE Counsel for the Respondent No B: SRI R. MANGULAL Counsel for the Respondent No 12: SRI B. SRIHARI Counsel forthe Respondent No 13: SRI M. DEVENDER REDDY Counsel for the Respondents No.2 To 5, 7, 9 To i l : __ The Court made the following: ORDER THE HON'BLE SRI JUSTTCE NAGESH BHEEMAPAKA WRIT PETITION No.27552 of 2o25 ORDER: Heard Mr.M.Keshav Yadav, learned counsel for petitioner, Mr.Janardhan Goud Sunkari, learned Senior Counsel for Central Government for respondent No. 1. Mr.Thomas George, learned counsel for respondent No.6, Mr.R.Mangulal, learned counsel for respondent No.8, Mr.B.Srihari, learned counsel for respondent No. 12 and Mr.M.Devender Reddy, learned counsel fo- respondent No.13 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 lhis Writ Petition is squarely covered by the order passed by this Court in W.P.No.52O0 of 2024, dated 25.04.2024 and therefore, the same order may be passed in this writ pefition as well. The operative portion of the said \ \ order reads as under: ( ( "8. For the aforesaid reasons and as the procedure adopted by the respondent N.;s.4 to T lor recovery of loan amount from the petitioner, amounts to violation of the rights guaranteed under Articles 14 and 2I of the Constitution of india, this Court deems it appropriate to direct the respondents, to ensure that the agents engaged by them for recovery o[ the loan amounts, shall strictly follow the guidelines a-nd instructioris issued by the Reserve Bank of India ald also the judgments of the 2 Honble Supreme Court in ICICI Baak Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra). 9. Wjth the above said direction, the writ petitron is disposed r,f. "

4. Learned Counsel for the respondents does not d'ispute the submissions of lean'red counsel for the petitioner.

5. In terms of the order passed by this Court in W.P.No.5200 of 2O24, dated 25.04.2024, and for the reasons alike, this writ petition is disposed of rlirec'ing the rcspondent authorities to scrupulously follou' thc gu idelir-res/ instructions in the RBI Circular dated

12.Oa.2022, an<l anrl also the judgments of Hon'ble Supreme Court in ICICI Bank Ltd. v. Prakash Kaur'ls case and ICICI Bank v. Shanti Devi Sharma'2s case, while recovering the loan amounts from t hc pctitiol-rer. No costs. Pending miscellaneous applications, if any, shall stand closed I1zooz1 2 scc 711 '(2008) 7 scc s32 //TRUE COPY// Sd/. A. JAYASREE ASSTSTANT RFS|STRAR secnffirrtcen ! I i To 1, The Secretary, Ministry of Finance, Union of lndia, New Delhi' 2. The Chief General Manager, Reserve Bank of lndia, 6' Sansad Marg, New Delhi -1 10001.

3. The Chief lvtanager, lClCl Bank Towers, lClCl Bank, Financial Dist, Plot No' - 12, Nanakramguia, Gachthowh Hyderabad, Telangana 500032

4. The General Manager, SBI Cards and Payments Services Limited (SBl Card)' Unit Nos 3C 3D and 3E, 3rd Floor, Queehs Plaza, SP Road, Secunderabad, Telangana - 500003. s!fl Vais hnavi rech square, ,.;;.,ij:"lJ)B,t?yr, Research park, r Kinasjin VitirsA ir;#j;;i,'bni"n'nri 6001 1s.

5. The General Manaoer Northern Arc Capital Limited, 1Oth Floor, llT Madras 'ffi %trJl1l"*,lfr'r"',.'"^ff l.l".f *..;;ffi ,.#,::fl ' I*",f t}ilUs:s3;l,.If i i'Effi g,ltifli'?ouo? tB''"or, t 5?,'"3[:l#ifi?,fl%?ru1!'lanceolimited, 6th Froor, Bajaj Finsery corporate 9. The Chief Manaoer. BO,B Financial Solutions Ltd., Head Office, Baroda Bhawan, R.c. Du[ Rbad, Vaaoaiia ]'ss:0;di]bl#,, ,noi" 10 The chief r?!qs"J, cap Froat .Financiar services pvt. Ltd., 4th Froor. s B l?Hili;,?:ti9.t*n:l,T66oor"i t ' r,totni Nig"l"o*"iir"piili' 's!",1? 'Fr",rri 11.The Chief Manaoer. RBL BINK LIMITED, D No 63865,Ground Ftoor, Mv opp creen piii, H-obic,""",iLrnds, Ambarpet Road', 12.The Chief Manaoer. |DFC First Bank, IDFC FIRST Bank Ltd, The Square, C_ ''t 01, c Btock, aan?rd-Kurti c.ripr"-,"eiiii" i,ejJti, iliro", _ 400051 ll5,:f€fn}:8ifl3:'of.,'5t1,o:''arv services Pvt Ltd ' 404, rhe chambers, I;Xt?;"'i.1'|; soirpiex covernment [OpUC] ''ll:?n:ffi l,yif',#,:.,(,,%B:?:f, ,S,.,T,[?h;:]l#B?o."*er4,Equinoxpark,LBS 15.One CC to SRt M. KESHAV YADAV, Advocate [OpUC] 16.One CC to SRI JANARDHAN GOUD SUNKARI, Senior Counsel for Centrat 17.One CC to SRI THOMAS GEORGE, Advocare [OpUC] 18. One CC to SRI R. MANGULAL, Advocate [OpUC] 19. One CC to SRI B. SRIHARI, Advocate [OpUCl 20. One CC to SRt M. DEVENDER REDDY, Advocate [OpUC] 21. Two CD Copies DAN/MP o HIGH COURT DATED:18 t111ZO2S \ ORDER WP.No.27552 of 2025 , , I r ( i; r:i \ie, *'+'': 1HE SIAr(' 2 4 u[q 2[76 !l z C.:, *- (\ =9igp'1r'r't'f DISPOSING OF THE WRIT PETITTON WITHOUT COSTS . lr - It +:-1Y-a--.