The High Court · 2025

3. HDFt BANK Ltd, Rep by its Chief tvlanager PN 26, 33/A8534/8, Gr Fir, Delta House, Sy-No. 68, Alivuyn Cross Road Mryapur, Hyderabad - 500049 4. lClCl Bank, Rep by its Chief Manager. lClCl Bank Towers, Financtai Qist Plot. No. 12, Ninakramguda, Gachibowli Hyderabad, Telangana 500032. 5. SBI Cards and Paymenls Services Private Limrted, Rep. By its qhl-ef Manager, DLF Infihity Towers, Tower C, 1 oth-12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon -122OO2 (Haryana), India.

6. BAJAJ-FINANCE Ltd-, Rep: By its Chief Manager, 6th Floor, Baiai Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar, Pune, Maharashtra - 411014.

7. Hero FinCorp Limited, Rep. by its Chief Manager Basant Lok Vasant Vihar New Delhi 1 10057

8. INDUSIND Bank Limited, Rep. By its Chief Manager, 1-248, Upper Ground Floor, Miyapur Cross Roads, Bollarum, Telangana - 500052.

9. IDFC Fir6t Bank, Rep. by itq Chief lrulanager, IDFC FIRST Bank Ltd, The Square, C-61, G Block, f]an-dra-Kurla Complex, Bandra (East)' Mumbai - 400051. l0.FEDERAL BANK, Rep. by its Chief Manager, Post Box. 103, Federal Towers, Aluva, Kerala, - 6831 01 .

11.lndia lnfoline lnvestment Services Limited, Rep by its Chief Manager llFL Finance Limited 802 8th Floor Hubtown Solaris N S Phadke Marg Vi.iay Nagar Andheri East Mumbai 400 069

12. HDB Financial Services, Rep. by its Chief Manager HDB House, Tukaram Sandam Marg, A - Subhash Rd, Navpada, Vile Parle East, Mumbai, Maharashtra 400057

13.AU Small Finance Bank Limited, Represented by its Chief Manager, MD Office-Complaint Section,4th Floor, Bank House, Mile O,Ajmer Road, Jaipur, Raiasthan - 302001.

14. RBL BANK LIMITED, Rep. by its Chief Manager, D No 63865,Ground Floor, My Home Jupally Complexopp Green park, Hbtel Green Lands, Ambarpet Road, Hyderabad,50001 6 I I I l I j

15. Lendingkart Finance Limrted, Rep. by its Chief Manage- lffice 3 Connekt, 401lB,4th Floor, Silver Utopia, iardinal Gracious Ro-ar a,ndheri East, Mumbai, l,4aharashtra - 400099 16-Axis Finance Limited, Rep by its Chief Manager l3tA, t ; r< View Erclave, Jubilee Hills. Hyderabad. Teiangana 500033: ...RESPONDENTS Petrtton under Arlicle 226 of the Constitutron of lnr I praytng that tn the cjrcumstances stated in the affidavit filed therewith, ti-( -igh Court may be pleased to issue an appropriate writ, order or direction n ) _. particularly one in the nature of wRlr oF MANDAMUS declaring the action i the respondents in not controlling the agents who harassing the petitioner rcr his family by the respondents Nos. 3 to 16 (bank authorities and financial r s;titutions) is ilregal, arbitrary, violation of the principles of natural justice and c z .rnt violation and as well as Rules framed under Reserve Bank of Indra and t r fundamental rights guaranteed under the constitution of India consequenfly r ect the respondents not to harass the petitioner and his family members on tn ) c round of collecting the monthly installment dues and direct respondent nos. 3 ,: r 6 to follow circurar daled 12.08.2O22 vide RBtt2O22-23/ 108, DOR.ORG. REC j i,2.1 04jSS|ZO22_23 issued by respondent no.2. Counsel for the Petitioner: SRt M.KESHAV YADAV Counsel forthe Respondent No.1: SRt ANGOTHU NEHRU ,C FOR CENTRAL covT couNs I t_ Counsel for the Respondent No.6: SRt R.MANGULAL Counsel for the Respondent No.7: SRI N.B.SUDARSHAN Counsel for the Respondent Nos.2 TO 5 & g TO 16: - The Court made the following: ORDER ,d THE HON'BLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION No.3O645 of 2025 ORDER: Sri M. Keshav Yadav, ietrrnccl counscl lbr the petilioner, Sri Angothu Nchru, learned Standing Counsel fur CentrcLl Governmcnt, lor respondenl No. i, Sri R. Mangulat, learned counscl for re spon ::nt No.6 and Sri N.B. Sudarshan, learned counsel lor rcspondenr No.7.

2. Despite servicc of nottce, none trppcared for rcmaining respondents

3. When the maLter ls lakctr up ibr hcarinq. Icarncd counsel tbr pctitioner submitted Lhat the issue raiscd ir-r this Writ Pctition is squarcly cot,ered by the order passctl by this Cour t in W.P.No.5200 of 2024 ' dated 2r.O4 .2024 and thcrefore, t hc sarrne ot der may be palsse d in this writ I I i petition as well. The operative portion ol thc said orclcr reads as under "8. For the aforesaid reiisons and as the procedure adopted by the respondent Nos.4 to 7 for recovery of loan anount from the petitioner, amounts to violation of the rights guaranteed under Articles 14 and 2l of the Constitution o[ India, this Court deems rt appropriate to direct the respondents, to ensure that the agents cnf'ged by them lor recovery of the loal amounts, shall strictly follow thc guidehnes and instructions issued by the Resen'e Bank ol Indra and also the.;udgments of the Honble Supreme Court in ICICI Bank Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra). 9. With the above said direction, the writ petition is disposed of."

4. Learned counsel for respondent Nos.1, 6 and 7 have no objection. 2

5. Accordingl-y. in tcrms of the ordcr pass. b1. rhrs Courr in w P No 5200 o1' 2o2r, datcd 2s.04.2024, arcr ror tr-r, ; .rsons arike, this ,.r,rir, pctition is disposr:d of uirccting tl.rc responclcnL auL r ) ttics aitd their agcrtrs to sc^rpulousl-v t.llou, the guidelines/insrrr-rctiorrs :uccl t^, rhc Res.^,c Bank of India ;n irs Circrrlar datccl 12.Og.2022 an I so rhr, .jridgments ()l f,on'blt: Suprem. Court i, ICICI Bank Ltd. v. pral:r srh Kaur,rs case ,rr i ICICI Bank v. Shanti Devi Sharma,2s casc, *.f-i, rccor.cri'g the l,ra I ar.noLlnLs from thc petitioner. llo cosls. Pendir-rg miscellancous applications, iI any, s i r ]. st"/,rcl c lose cl (2007)2SCC 711 (2008) 7 SCC s32 2 \ To Sd/.A. JAYASREE STANT REGISTRAR .--_,- Af 'r 'l //TRUE COPY// $SECTION OFFTCER r t)elhi Delhi -1 10001 ) ansad Marg, New 1 ]1 " lgprgtgry. Unigl of lndia, Minrsrry of rinance,\.e 2. The Chief General Manaqer, Reserve Bank of lndia,-t 3. The Chief Y.anqg_err HDFC-BANK Ltd, pN 26, 33/ABtri , ,{1, Gr Fir, Detta . H9u1q,.Sy,No. 68, Atlwyn Cross Road Miyapur, Hyde,r l;rd _ 500049 4. lhe.Chief N/anager, lclcl Bank, lclCl Bahk Towe-rs. t .. e ncial Dlst. plot. No _ ll, \qlaflamguda, Gachibowti Hyderabad, Tetanqar r t00032. 5 ,119-.glL"f Manager, SB] qqlqs.qnd layments Seriice; _-rivate Lrmired, DLF rnflnrry towers, towerC. 10th_12th Floor, Block 2, Brr c rrg 3, DLF Cyber City _ Gurgaon -122002 (Haryana), lndia. 6 I[:^9hl:1!al39er:. BAJAJ FTNANCE Lrd, 6th Ftoor, ,] jaj Finsery corporate unrce, pune-Ahmednaqar Road, Viman Nagar, pune, l\ ; tiarashtri _ 41'1014. 7. The Chief Manager, xeio rindoip Li;ibd, 6il"i ii,r ';rsant Vihar New Delhi 1 10057 I llgghi"lManlger,,tNDUSIND Bank Limited, 1-248, U per Ground Ftoor, ^ yryapgf Uross Roads, Bollarum, Telanoana - 500052. e. rne chief Manager, IDFC F_irst Bank, IDFC FTRST Bar.t l-td, The Square, C- . ^ q1, G Block, Bandra-Kurla Complex, Bandra (East), lr/ r r5ai _ 400051 . 10. The Chief Man^ager, FEDERAL bANK, postdoi -i'OS. i :,ierat Towers, Aluva, 11 The chief Manager, lndia rnforine rnvestment Services r rrnited, lrFL Finance Limited 802 8th Floor Hubtown Solaris N S phadke Mar Vijat'NagE, AnOl.,,6r, East Mumbai 400 069 '12. The Chief lr4anager, HDB Financial Services, HDB Hor: e, Tukaram Sandam l1{9r4 - Subhash Rd, Navpada, Vite parle East, Mun t ai, Maharashtra 400057 Kerala, - 683101. ,E '=\1iii

13.The Chief Manager, AU Small Finance Bank Limited, MD Office-Complaint Section,4th Floor, Bank House, tr4ile O, Ajmer Road, Jaipur, Rajasthan - 302001 .

14. The Chief Manager. RBL BANK LIMITED, D.No.63865, Ground Floor, My Home Jupally Complexopp Green park, Hotel Green Lands, Ambarpet Road, Hyderabad 500016

15. The Chief Manager, Lendingkart Finance Limited, Office 3 Connekt, 401/8, 4th Floor, Silver Utopia, Cardinal Gracious Road, Andheri East, Mumbai, Maharashtra - 400099

16. The Chief Manager, Axis Frnance Limited, 73lA, Park View Enclave, Jubilee Hills, Hyderabad, Telangana 500033

17.One CC to SRI M.KESHAV YADAV, Advocate [OPUC] -I8.One CC to SRI ANGOTHU NEHRU, SC FOR CENTRAL GOVT COUNSEL loPUcl

19.One CC to SRI R.MANGULAL, Advocate [OPUC] 20. One CC to SRI N.B.SUDARSHAN, Advocate [OPUC] 21. Two CD Copies PS,K/DAN.w HIGH COURT DATED:1 711112025 I ORDER WP.No.30645 ot 2025 t r,E SIAr{: 1lo c O ,' ' ' 2ll2f, C)\ * t : I "{T( 9;2 t I DISPOSING OF THE WRIT PETITION WITHOUT COSTS ^'7- *L*ro'