Mohammed Akbar v. 1. Union of lndia

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

7. IDFC FIRST BANK, Rep by its Chief Manager Ground Floor, Plot No 6-7, Survey No 68, Door No 1-121lKzJ6-7, Nearby Athidhi Restuarant, Miyapur, Serilingampalle (M), Telangana 500049 8- YES BANK, Rep by its Chief Manager Ground Floor, Shop No.1 1, 77, NH 65, Gouthami Nagar Cblony, Jawahar Colony, Chanda Nagar, Hyderabad, Telangana 500050 ...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 in the 1 ' '; iu''"i"". ^u"'u""'o ^ No' 2 in enforcing t--' 14' 19' and ;' ;'t respondent authorities ,o; measures s of law ano tn-e us' declaring the actior amounts from the petition] folrowing il;; Bank of rndi" ci,";;; nature of Writ of Man attempting to recover high-handed manner viorarron or tn" n"""rllrhour. RBt/2022-23/1ou, oorl" o*o the inacrion or r".oono,t and violative of Articr' consequenry direct the coercive or unraMur re comply with the due ,.,"o'"" "no of r€ s rondent Nos 3 to 8 in in I r arbitrarv' illesat, and ,"' process {)r law and in bratanr 08 2022 bearing No' 'J22 2' ' ;lnd further declaring cirr;' i3; as unconstitutional tott itution of lndla' and iom undertaking any pol troner and to strictly t) r;ular in all recovery proceedings, "ir"'n" restrain respono"n, *o". lt''o ""t"'t agents, executives, ma or anv person J:i , ,".i?,"T1;r",i1lj] engasins in any acrs or,rnln""' privacy ot the petitioner I ' or rntrusion into the persistent or anonymous threatenins ;:':";:,T; lri"lii].llllilj per.ioner,s premises, turther direct respondent N( ""0 ""1'.'l- tc :nforce the said RB I circurar in rerter ,; ' to initiate appropri;; ";;;; 'no the errant officiars of ,". *nd st i rgent action against "' Nos 3 t" ; ;; pending disposar o, ,n" *'ono"nt o',.""r-,n"' ;:r"; resort to any coercive ,.'l' '",,t'on rneans and in strict aotrererasures imidation' harassment, hun or his family -:".:":;T";"::: e pt through lawfur '",,0",., ll"iatic against the petition rce to the circurar 0","0 .,r.o"nr?i rr,tn"r' ""'n" Counsel for the petitioner: , counser for the Respono"nt^' "o"'u LoKEsH PHANINDF A REDDY t No.l: SRII(.ARAuND KUIUIAR, f c FoR CENTRAL 3El:-"ll%pirBiflondent No2: N BHUJANGA RAo, DEpur r solrcrroR Counsel for the Responder counser ror the Responr",: ilo,J r::.i:'*- The Court made the fotiowing: ORDER ADV. : qrE THE HON'BLE SRT JUSTICE NAGESH BHEEMAPAKA WRTT PETITION No.32159 of 2025 ORDER: Heard Sri Bonthu Lokesh Pahnindra Recldy, learned counsel for the petitioner, Sri K.Aravind Kumar, learncd St:rnding Counsel for Central Government appearing for respondcnt No.l and Sri M P.Kashyap, lcarned counsel appearing for respondent No.6. 2 Despite service of notice, none appeared lor remaining respondents

3. When the matter is taken up lor hcaring, Iearned counscl for petitioner submitted that the issue raised in this Writ Petition is squarely covered by the ordcr passed by this Court in W.P.No.S2OC o[ 2024, dated 25.04.2024 and therefore , the same ordcr mav be passed in this writ petition as well. The operatir.'e portion of the said order reads as under "a. For the aforesaid reasons and as the procedure adopted by the respondent Nos.4 to 7 for recovery of loan ainount from the petitioner, amounts to violation of the rights guarantccd under Articles 14 and 2l ol the Constilution of India, this Court deems it appropriate to direct the rcspondents, to cnsurc Lhat Lhe ag,cnts engaged b1'thcm for recovery of the loa:r a'rnounts, shall strictly follow the guidelines artd instructions issuerl b,v the Reserve Bank of India zrnd also the judgments o[ the Hon'ble Suprcme Court in ICICI Bank Ltd Vs. Prakash Kaur's casc {1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra). g. Wrth the above said dircct ion, the writ petition is disPosed of." ( t 4 Learned counsel for respondent Nos. I and 6 have no objection 2

5. Accordingll , in Lerms of the order passc.l ltv this Court ir_r W.P.No.5200 of 2024, dated 25.04.2O24, and for the rr i so,s alike, rhis u,rit petitio. is disposecl of directing the rcspondent author r r:s rhcir agenrs t, scrupulouslv f.llo*, thc guidelines/ instructions is:; r-d br, [he Rcscr'c Bank .l lndia in its circurar dated r2.og.2o22 and aL . rrrc judgrncnts o[ Hon'blc Suprcme (tourt in ICICI Bank Ltd. v. praka s r Kaur'ls case and ICICI Bank v. Shanti Devi Sharma'2s case, whilt_, (:covering rhe loan amounts from the pctitioner. No costs. ^nd Pencling miscellaneous applications, if any. sh I I :,tand closcd i {loo;) ? 9c. ?11 1[rc,c,rs) + 9LL' ') \> Sd'. M. JAWAHAR REDDY stA TANT REGISTRAR //TRUE COPY// CTION OFFICER To, : I

1. The Secretary,Union of lndia, Ministry of Finance, Ne,\ Delhi , I:i"#i,l 9?neralJvlanaser,Reserve Bank of tndia (Fr r), 6, Sansad Mars,

3. The Chiet Y.rng.g"t, HDF^C BANK Limited, pN 26, 33 j &34/8, Gr Ftr, Detta House, Sy No 68, Ailwyn Cross Road Miydpur, AVOLi,r ,ro _ 500049 4. The Chief Manaoer. lClCt Bank, lClCl Bank Towers, I rancrat Dist, plot No 't 2 Nanakramguda, cachioowii, nvaeiaoa j, i6rr"ngl i, sooosz The Chief Y{qS"l Aditya Birta Finance timited, No 1( Uommercral Bldg. PN 42, Dharmareddv Col. Near CHI Anjarah Nagar, Kukatpally, Hyderabad; Telangana 50,r i8 86 1059, C Circle, Phase 1 , ,72 5 6 The Chief Manager, AXIS.BANK. Ground Floor, Srive r Vall, Miyapur Rd, J p f agar, CG Emptoyees Cotony, tvlayuri Nagai, t\iiyJp, I uvabra6a6. '*, " ' lelangana 500049

7. The chief Manaoer. IDFCfIRST BANK, Ground Floo . Dlot No 6_7, survev No 6-8, Door No1-tzttxza-i, N"*byliihifii ii-".tl?. ,,, rraiyjpri -' '", Serilingampa e (M), Telangana 5000'49

8. The Chief tvtanaoer. yFS BANK, Ground Ftoor, Shop r > 1 1, ZZ, NH 65, 9^q:!_"li Nagaicorony, .lawJnbicoiJny, c;;il;"fi ,, rr, Hyderabad, I etangana 500050

9. ONC CC tO SRI BONTHU LOKESH PHANINDRA REDDY' AdVOCAtE [OPUC] 10.One CC to SRI K'ARAVAIND KUMAR' SC FOR CENTRAL GOVT' Advocate loPUCl 1 1 . One CC to SRI M'P.KASHYAP' Advocate [OPUC] '- l2.oneCCtoSRlN'BHUJANGARAo,DeputySolicitorGeneralof lndia Advocate IOPUC]

13. Two CD CoPies PMKiDAN W i i HIGH COURT DATED:17t11t2025 ORDER WP.No.321 59 of 2O2S o o ( * tht i14 13 rt2f, ! I 2 a' * o .Soi t _l I t DISPOSlNG OF THE WRIT PETITION WITHOUT COSTS \b a .f, *