Years, Occ. Pvt Emp, Tqlanagal PO Lingampalli, Sub Dist. Serilingampalli, K v. Rangareddy

3. AXIS BANK, Rep by its Chief Manager Ground Floor, Sriven Mall, Miyapur Bd, J P Nagar, CG Employees Colony, Mayuri Nagar, Miyapur, Hyderabad, Telangana 500049.

4. SBI 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 Floor, Gurugram, HR - 122002.

5. Vivrti Cafital Private Ltd, Rep. by its Chief Manager Prestige Zackria Metropolitan, No.200/1-8,2nd Floor, Block 1,Anna Salai, Chennai, Tamil Nadu 600002.

6. Upmove Capital Pvt Ltd, Rep. by its Chief Manager Sy No. 2517, Sri Kote Ashinryad Towers K.R. Puram, Marathahalli, Doddanekundi Bangalore, Karnataka -560037.

7. True Credits Private Limited, Rep by its Chief Manager, Huda City Centre Metro Station Sth floor, sector - 29 Gurgaon Gurgaon HR 122001.

8. NAVI FINSERV Ltd, Rep. by its Chief Manager 2nd Floor, Vaishnavi Tech Square, lballurVillage, Beglrr Hobli, Bangalore, Karnataka - 560102. 9. Solomon Capital Pvt Ltd, Rep. By its Chief Manager 3rd Floor, Plot No-498 Udyog Vihar'Phase-lll , Sadar Bazar, Haryana, lndia - 122001. ..RESPONDENTS Petitic n under Articre 226 of the constitution of lndia praying that in the circumstancr>s stated in the affidavit filed therewith, the High court may be pleased to is;sue an appropriate writ, order, or Direction, more particurarly in the nature of writ of Mandamus, decraring the acfion of respondent Nos. 3 to 09 in attempting t') recover amounts from the petitioner in an arbitrary, illegal, and high- handed mar,ner without following the due process of law and in blatant violation of the Reserve Bank of lndia circutar dated 12.08.2022 beailng No. RBlt2o22-23t 108, DoR.oRG.REc.6s/21.04. 15812022-23, and further decraring the inaction of respondent No. 2 in enforcing the said circular as unconstitutional and violative of Articles 14, 19, and 21 of the constitution of lndia, and consequenfly direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and to stricfly comply with the due process of aw and the aforesaid circular in all recovery proceedings, and further restrain res;pondent Nos.3 to Og, their agents, recovery agents, executives, managers, or any person acting on their behalf from engaging in any acts of intimidatior, harassment, humiliation, or intrusion into the privacy of the petitioner or his fam ly members, referees or friends, including persistent or anonymous calls, thre€ tening 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 inil.iate appropriate and stringent action against the errant officials of respondent Nos. 3 to 09 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos. 3 to og not to resort to any coercive measures against th() petitioner except through lawful means and in strict adherence to the Circular dzied't 2.O8.2022. Counsel fr:r the petitioner : SRt BONTHU LOKESH PHANINORA REDDY Counsel frrr the Respondent No.1 : SRI GOVT K.ARAVIND KUMAR, SC FOR CENTRAL Counsel f,cr the Respondent Nos.2 to 9 : _ The Court made the following ORDER THE HON,BLE SRI JUSTICE NAGESH ORDER: 3 Redc Heard Sri Bonthu Lokesh pahnindra petitioner and Sri K.Aravind -r;"r:-_",":t'Y' Government. learned counser for rhe _--.rrru nurndr: Iearned Standing Counsel for Central 2' Despite service of notice, none appeared for remaining respondents. 3' when the matter is hken up for hearing, rearned counser for petitioner submitted rhat the issue raised in this Writ petition is squarely covered by the order passed by this court in w.p.No.5200 0f 2024 dated 25'04'2024 and therefnre, the same order rn.y be passed in this writ petition as well. The operative portion of the said o "r errE sato order reads as under: *8. For r,-^ i I .i : i i I ; : i guidelines .^;'; ':*' amounts. ol,-r, -l?i6"t oY them for fi",ffi*,I.+ 'ffiI+t *lffit$rffv*gffi q.'uve sard direction, ,r,. w,t petidon is disposed of.,,

4. 5 Learned counsel for respondent No. I has no objection. Accordingly r terms of the order passed by this court in 2 W.P.No'52O0 of 2024, dated 25.04.2024, and for the reasons alike, this writ petition is dispcsed of directing the respondent authorities and their agents to scrupulousll follow the guidelines/instructions issued by the Reserve Bank of India in its Circular dated 12.O5.2022 and. also the judgments of Hon'ble Suprenre Court in ICICI Bank Ltd. v. Prakash Kaurrls case and IcIcI Bank v. shanti Devi sharma'2s case, while recovering the loan amounts from t.he petitioner. No costs. Pending miscellaneous applications, if any, shalbstand closed. {2oOiIEi 2(2008) 7 scc s32 Sd/.S. MALLIKARJUNA RAO ANT REGISTRAR OFFICER Delhi //TRUE COPYII To

1. 2 The {iecretary, Union of lndia The Chief General Manager, New Delhi- 110001 6, Sansad Marg, 3. The chief Manager, Axls BANK, Ground Floor, Sriven Ma[, Miyapur Rd, J p ' "-'' Nagerr, CC lgqt.oyees Colony, Mayuri nagar, n/iy"pri, HVObr"6;1, Telarrgana 500049. 4. The tlhief Manag-er, SBt Cards andPaymen_ts Services Limited (SBl Card)., DLF cvber gt!v, Igyst c, Brock 2, Buirding s oLF ihnn-itv Til;rr, iitlltor, Gurugram, HR - 122002. 5' The 'lhief Manager, Vivrti Capital Private Ltd,.Prestig e ZackriaMetropolitan, ^ N.o.ZgOt1-8, 2nd Ftoor, Block'1, Anna srtai,the;nii ramir N;d;606ddi. 6. The chief Mana_g_er, Upmove c?pitgr prt tt'0, Sv'r.rJ. zbr, sri Kote Ashirwad Tow:rs K.R. puram, Marathahaui, Doddi;;i;eibl,frrror", Karnataka _ 7. The chief Manager, True credits private Limited, Huda city centre Metro 8' The Chief Manager, NAVI FINSdRV rtO, i"J'iroti,'irirhnavi Tech Souare ^ l.9altrrr.vifiage, Begur Hobri, Bangaiore, (arnatak;rs60iob." ' vv" vyuqru' e. The chief Manager, soromon cipitar ivt Lto,-giJF6;;, Froi rvo<g8 Udyog . ^ 10. one cc to sRr BoNTnu r_orEsri pnnrvrr.ronn neoby, Advocate [opUCJ 11.one cc to sRr K.ARAviwo xurilan, sc Foc b'rr.r-r"nnl Gow, Advocate 12.Two CD Copies station Sth froor,-sec!91;.fQ Grrrgaon curgadHri iEoor. Viharphase-ilt,-S3{g1 Bazar, iiryana, tndia _ iZZOOi. loPrJCl 560Cr37. 4L"sA \-t HIGH CCIURT DATED i'1711112025 f ORDER WP.No.:31955 of 2025 DISPO.SING OF THE W.P WITHOUT COSTS. I 1b