The High Court · 2025

Pet tlon under Arttcle 226 of the Constitution of lndia praying that in the circumstarrces stated in tne affidavrt filed therewrth' the High Court may be pleased to lssue an :lpproDrlate wrtt' order or direction lnore particularly one in the nature of WRIT OF X/ANDAMUS cleclaring the action of the respondents in not controlling the agents' who harassing the petitioner and his family by the responderlts No 3 to '1 I (bank authorrties and financial instltutlons) rs illegal' arbitrary violation of the prlnciples of natural justrce and blatant violation and as we* as Rures framed unrler Reserve Bank of rndra and the fundamental rights guaranteed under the Constltution of lndia consequently direct the respondents not to harass the petitioner and his family members on the ground of collecting the monthly rnstallment dues and dtrect respondent no' 3 to 19 to follow Circular dated 12 082[22vide RBI/2022 -231108' DOR ORG' REC'65/21 04 15812022-23 issued bY resPondent no 2 Counsel for the Petitioner: SRI M' KESHAV YADAV Counsel for the Respondent No'1: SRI N' BHUJANGA RAO' Deputy Solicitor General of lndia Counsel for the Respondent No'6: SRI M'R'B' MANIKANDAN' ADVOCATE Counsel for the Respondent No'12 & 14: SRI V'SANTHOSH' ADVOCATE Counsel for the Respondent No'16: SRI A'PAVAN KUMAR Counsef for the Respondents Nos'3'4'5'7 to11 &13'15'17 to 19: - - - - The Court made the following: ORDER THE HON'BLE SRI JUSTICE NAGESH BHEEMAPAKA wI3lLLEfIT ION No.31351 of 2O25 ORDER: Sri M. K,.rslt:t\. \'lrci:tv, lcantccl c.ounscl for thc pctitioncr, Sri N. l3hujanqu Ila., lL ru-ncd Dcllutv Solicitor General of Inclia, lor respond.nt No 1. S|i N4.ll.ll. Marrikandan, k:arncd counscl lor rcspondcnr N..6, Srr \/. Sarr:lr rsh, l.ar.t'd c.,-rtscl [br rt,spo.dent Nos. ]2 and 1.1 ernci Sri A. Par arr KLlntrr: , lcrri :re rl r.orrnse,l lor re sltonclcrrt Ncr. 16.

2. Di spitc s( r'\ L-( ()1 r)()lic( , nono ilppr.:lr.e(l [or rern:,iinir.rg rcsponrlcn[s

3. \.\rhcl.r (ht' rniltt(,r is takc, up for lrcaring, learned cou.scl lor petitionc. subnritt,'ci thar li)c issr-rc raiscd irr this writ petitjon is squarell. coverecl lrv the ,rrlcr Passr'd b-v rlris cou..r irr w.p.r.io.52o0 of 2o24, datec.l 25-04.21))-4 a,ri rl'* rr'rb.c. the s.me orclcr ma1, be passed in this u.rit petition as *'ell. 'l'lrc .p;,- rrrLi'. e p()rtlo, o[ thc srricr ortler reacls as under: "8. lior- thr, rrlirres:rirl rcasons and as the procedure ad()l)te(l l)y thc re sponclcnt Nos..1 to 7 for recovcq. of loat] amounl florr llre pctitioner, arnounLs tu \ iolatron oi ihc rights gu:rrrurtecd urrclcr. Articlcs I4 ancl 2l of the Constitution of India. this C orrrt (lccms rt approl)ritrre to direct thc rcspondents. to (,nsurc that the agents engaged by thenr for recovcrt: of tlre loem ilmounts. shall str ictty iollorv the guidclincs :rr-rd instructions issuecl by the Resirve Bank oI fndl1 1na also rl.re judgments of the Honble Suprerne Court in ICICI Bank Ltd Vs. prakash Kaur's case (i supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 suprai. 9. Wilh the abovc said direction, the writ petition is dispo secl of. "

4. Learncd c,,.t.st:t i()r respo..leltt Nos. ), 6, 12, l4 and l6 h:*,c .ir 2 - obj ec Lio r-r

5. Accordingly, in terms ol thc order p?rssed by this Court rn W.P.No.5200 of 2024, dated 2r.O4.2024, and for thc reasons alike, this u,rrt pctition is disposcd oi dirccting the respondent authoritics and [heir agents to scrupulouslJ, [ollou' the guicle lines/ instructions issued by the Reserve Bank of lndia rn its Circular dnted 12.08.2O22 and also the.judgments o[ Hon'ble Supremc Cour" in ICICI Bank Ltd. v. Prakash Kaur'ls case and ICICI Bank v. Shanti Devi Sharma'2s case, n,hile recovering the loan amounts from the pcLitroncr. No costs. Pcnding misccllaneous applications, if any, shall gLand closed. SD/.A.H.S. GOWRI SHANKAR ISTANT REGISTRAR //TRUE COPY// SECTION OFFICER To,

1. The Secretary, Union of lndra, Ministry of Finance, Nerw Delhi 2. The Chief lvlanager, Reserve Bank of lndia, 6, Sansa'l Marg, New Delhi - 1 10001

3. The Chief Manager, HDFC BANK Ltd, PN 26, 33/48634/8, Gr Fir' Delta " H;;; ;y No os] nir*yn Cross Road, tvlivapur, Hvdelabad 500049 4 The Chiet Manager, Barclays Bank. Plot No 89/90' Shop No GIA' Ground .. ' iiooin.n.r* cipiior e.';i[i;g. Ro;o l"lo i, Ban1,." Hilli Hvderabad - 500034 ' I[:3*i!:yff's:;,fl[:i'.{J,fi.Sl?s.1 ['i,,"J;S',liii3,ll1',xl'u'336J.'*' cd" 1 (2007) 2 SCC 711 r [2008J 7 SCC s32 38/39' G B-lock Crescenzo 6 The Chief N/lanager,standard Chartered B-ank " B;il,ji;;, B;norirurrr-ci,[tex aana'a East' Mumbai 400051 1\4aharastra 7 The Chief Manager, lClC Bank. lClCl Bank Towers' !.'lgl^"1'l Dist' Plot No.12 fl'r. Jir*g rta.'Gr ct.,rioot"li Hyderabad, Telangana 1i00032 -Q B The Chref Manager, Natwest l\'4arkets Plc' Brady House 14 Veer Nariman - Road, Fort. tVunibai, h4aharastra 400023

9. The Chief Manager. SBI Oards andPayments Se-rvicr:s Limited SBl Card " Dii C,ty io*,rlC"elo.iZ euit'ding 3 DLF tnfinity Towers. 12th Floor' -C-Vne, Gutuqram. HR 1220 )?

10.The Manager RBL Bank Lrmited Shop n^o^5 4/10 86 5 4111 Ground floor' - Cf,inOa Nlgar. Hyderabad Telangana 500050 ll,TheChiefManagcr,southlndianBankLimrted,-F9pqpluS5q7PIot ' N."Sair"a's+), i.rnit r.ro cz anJc: NearRalrv circle K F',H B Phase tj, Xuf.itprf f v Hyderabad Telangana 500085

12.The Chref Manager, KOTAK IVIAHINDRA BANK.Lrrnit:d 36-384 3rd Floor' Narrman Bhavan. Zzz r'la'rintan poini trltumUai t/laha-ashtra 400021 Frnserv corporate 13. The chref I\/anager.AXls BANK Ground Floor " ofi.;, Nniv;pu Ro I t'N;g;' Cc-Ernp-]ovees colorrT Mayurt Nagar' tvliyapur Hyderahad I el-'ngana 5UUU49 -Baja1 Corporate

14.The Chref Manager Ba1al Frnance Lrmited' 4th Flo-or 3aja1 -Frnserv - off;"; o"ff pr"" An*.aitlgar Road Vrman Nagar Prr'e 411 014 15 The Chief Manager KISEISU SAISON FINANCE PF:IVATE LTD' 496/4 2nd FIoor 1Oth Cross Sad as'h-rva n agi r eangaloTe Karnata<a 560080 16.The Chief Manager.SNilFG lndia Credit Company Ltd 3rd Floor' No - 165 " N6;'i;*;ii p'f no"o l\tladuravoval Chennar-600035 -17,The Chief Manager, INDUSIND Bank Limited. 1 248' Upper Ground Floor. " Ni'yr;;rc;;;; Rir;;" Bollaram relengana 500052 18.The Chief Manager,Rrviera Investors Private Limited' C-902' Park View SPA' '" N;;;DPS F;;;'rv w'ds"Ctoi +z G"suon Haryana '122001 19.The Chief Manager. Northern Arc Capital Limrted' Otir' llTM Research Park' Kangam Rd, Kanagarn. illiu"ni Chennar' Tamil Nadu 6001 13

20.One CC to SRI M KESHAV YADAV Advocate [OPLIC] 21 .One CC to SRI tVI R B MANIKANDAN' Advocate [OI'UC] 22.One CC to SRI V.SANTFIOSH' Advocate [OPUC] 23. One CC to SRI A PAVAN KUMAR Advocate [OPUC] 24.OneCC to SRI N BHUJANGA RAO' Deputy Solicitor General of lndra Advocate [OPUC]

25. Two CD CoPies I'N4K tls W HIGH COURT DATED:1 911112025 ORDER WP.No.31351 of 2025 '.+ .i t a ) :J ?,, * 2 3 eII, u?I 'e ) * .S I-7\ rC DISPOSING OF THE WRIT PETITION WITHOUT COSTS (?+ l- lxs \---' e -.,1:,):,-e