The High Court · 2025

Bhanu Prakash Kurma, S/o Veera Bhadra Rao, Age. 32 years, Occ. Private Employee, Sri Sai Krupa laxmr residency, HNo.-261, Aditya Nagar, KPHB Colony -500072, Hyderabad, Telangana. AND 1 2 a The Union of lndia, Rep. by its Secretary, Ministry of Finance, New Delhi. The Reserve Bank of lndia, Rep. by its Chief General Manager 8th Floor, Central Office Building, Shahid Bhagat Singh Road, Mumbai-400001. HDFC Bank, Rep. by its General Manager 5th Floor, Tower B, Peninsula Business Park, Lower Parel West, Mumbai - 400 013. ..PETITIONER 4 lnduslnd Bank Ltd., Rep. by rts General Manager Bth Floor, Tower 1 , One lndbls Ctr, 841, Senapati Bapat Marg, Elphinstn Rd(W), Mumbai, 400013. 5 RBL Bank Ltd., Rep by its General lvlanager Unit 30-3'1 1,3rd floor, IMD Megapolis, Sohna Road, Sector -48, Haryana,Gurugram-122018.

6. CRED (IDFC First Bank Ltd ), Rep. by its Chief Manager, KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet. Chennai - 600031, Tamil Nadu, lndia 7. No Broker (Kisetsu Sarson Finance lndia Pvt. Ltd.), Rep. by its General Manager, lndi Qube Lexington Tower, First Floqr, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029, lndia.

8. Navi Finsery Ltd., Rep. by its Chief Manager, 2nd Floor, Vaishnavi Tech Square, lballur Village, Begur Hobli, Bengaluru, Karnataka 560102, lndia. 9. Bajaj Finance Lrmited, Bajaj Bhawan, Rep. by its Chief Manager, 2nd Floor, Jamnalal Bajal Marg, 226 Nariman Pornt, lvlumbai-400021 , Maharastra, lndia.

10.Krazy Bee Services Ltd, Rep. by its General lt/anager, 3rd Floor, No. 128/9, IVaruthi Sapphire, HAL Airport Road, lvlurugesh Palya, Bengiluru, Karnataka 56001 7

11. Hero Fincorp, Rep. by its Chref Manager, Community Centre, Basant Lok, Vasant Vrhar. Nevr Delhr, 1 10057, lndia. ...RESPONDENTS Petition under Articre 226 0f the constitution of rnJia praying that in the crrcumstances stated in the affidavit rireo ineiewrtn. t rt: Hrgh court mav be pleased to issue writ order or Direction ,oi"'pr.t]"rr"rry ore in the nature oiwrit of [\rlandamus dectaring tne. action oi ih; R;;;;;"rr No 2 in not tegitrmatery protecting the interest of petitioner oy aury enioriig rts c rr;ura. dated 12to,t2o22 v.e RB'202223t 108 00n onc iLc osl"ir 0.. 158t2022-23 aoainsr Respondent Nos 3 to 11 who a.re .".oriiij tJiignlnrnou,J measures to re-cover money without fo'owino th^e. circurar ortJa-lziotatzo22 .ttde RBr2o2223r 108 DoR oRG REC 65/ it-oq .tsatzozzzi-i..r"J'oy Flespondent No 2 and Consequently direct the n"sponO"r,t-f.fo-; ;;il" st1ng,:nt action against the errant offrciar of the Respondent Nos. a i" I r'r'r"Lwfury iregary and arbitrariry tryrng to recover the amounts from petitione, *iir'ort f:,owing circurar dated 12t0812022 vide RBU2o222sl roe oon onc nec os, 21 ltt 1s8/2022_23 IA NO 1 0F 202s Petitron uncler Section 15,l CpC praying that in the ;i_cumstanc the affrdavit fited rn support^of the p"i,tio'n, in" iiigh Courl may be 0rrect the Respondent Nos 3 to fr ir"i i" f,rrrrlr'in" p"t,tioner witho Circutar dated 12tol/2022. vide netdoiztl,;1oi"DoR IRG REC 158120222 and foilow the due pro""., oiLJ'p"nOirg disrosat of the petrtron pending drsposal or trre'aoove wi,i *i,,i* "" Counset for the petitioner: Ms CHENAGONI MOUNIKA ... Counsel for the Respondent No 1: SC FOR CENTRAL GOVERNMENT Counsel for the Respondents No 2To 11 : ___ The Court made the following: ORDER es stated in pleased to ut following 65 /21 04 above writ THE HON'BLE SRT JUSTICE NAGESH BHEEMAPAKA WRIT PETITION No.34186 of 2025 ORDER: Heard Ms. C. Mounika, learncd counsel for the pctitioner and learned Standing Counsel lor Central Government, for respondcnt No- 1

2. When the matter is taken up for hearing, Iearned counsel for pctitioner submitl-ed that the issue raised in this Writ Petition is squarely covered by the order passed by this CourL in W.P.No.5200 of 2024, daLcd 2a.O4.2O24 and therefore, the samc order may be passed in this "vrit pctition as u,ell. The operattve portion o[ thc said order reads as under: "8- For thc aforesaid reasons and as thc proccdure adoptcd by the respondent Nos.4 to 7 for recovcr5' o[ Ioan amount from the petitioner, amounts to violation of the rights guararrteed under Articles 14 ar.d 2l of the Constitution of India, this Court deems it appropriate to dircct thc respondents, to ensurc thal" the agents engaged by them for recovery of the loan amounts, shall strictly follorv the guidelines a-n d instructions issued by the Rescrue Balk of India and also the judgments of the Hontrle Sttpreme 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 abovc said direction, thc writ pctition is disposed of."

3. Learned Standing Counsel for respondent No.1 has no objection. .+. Accordingly, in terms of thc order passed by this Court tn W.P.No.52OO of 2024, daLed 25.O4.2024, and for thc retrsons alike, this rvrit petition is disposed of directing the rcspondent authorities and their agents ro scrupulously follo"r, tl-rc guideline s/ itrstruictions issucd by [he Rcscrvc ../, 2 Bank of Indizr in its Circular dated ).2.O8.2O22 and al;c the judgments ot - Hon'ble Supreme Court in ICICI Bank Ltd. v. Prakash Kaur,ls case and ICICI Bank v. Shanti Devi Sharma'2s case, whilc -ccovering the loan amounts from thc petitioner. No costs. Pending miscellaneous applications, if any, shall stand closed //TRUE COPY// SD A J\ SRINIVASA REDDY c ANT REGIST CTION OFFICER To, \\ -Senapati Buitding, Shahid Bhagat Singh RoaO, MrrOii_+OOOOT Park. Lower parel West, vrumoii - ibir'0i3. "' ' -" 1 The Secretary, Union of lndia, It/inistry of Finance, Ne,rr Delhi. 2 The chief Generar [Vranager, Reserve Bank of rndia, Bth Froor, centrar office 3. I he General l\rlanaoer HDFC Bank, sth Floor, Tower B. peninsula Business 4. The Generar lvanager, rndusrnd Bank Ltd., Bth-Froor 'tower 1, one rndbrs ctr, _ 841 . Bapat tVlarg, Elphinstn nt0Vt,'frlrrOrr +dOOf S. 5. The Generar t\rlanager, RBL Bank Ltd., unit'so-st 1, 3rJ rroor, rMD Meqaporis, r ivvr'j rrrru rvrevqF 6 The Chief t\/anaoer. CRE^D (IDFC First dank Ltd )- , KRl,l Tower, 7th Ftoor, _ No r, Harringtoi noao cndipeicn,i".a-l':'b-ooobl iii:iiir.rjii,, r"ii"'"' 7. No Broker (Kisetsu_saison Finance lndia pvt. Ltd.), lnci llube Lexinoton Sohna Road, Sector _48, Haryana,cuiugrii_tizoia Tower, First Ftoor, Tavarekere tvain Ro, ra"i*rrJi", i'ci pirhl rilrriE}r_ Karnataka 560029, lndia 8 The Chief Manaoer Navi. Frnsery Ltd., , 2nd Floor. Va shnavi Tech Square, ^ tbalu-rVilase B6sur noori sersbi;ru k;'r;;"k; b60 ai:l;l;r""" "r"-, 9 The Chief Manaoer gsi-a Finan-e Limited, Bajaj Bhawarr , 2nd Floor, Jamnatat Bala1 rfiarg, z2ei rui,min F6iili rvllrio,ri_+00r21 ';;; 'r'*ra, . ^ tndra. 'l0.The General [r/anager,Xrazy.Bee Services Ltd, , 3rd F o.;r, No. 128/9. ir/aruthi . . Sapphire, HAL Airpbrt RoaO, tvturuSestrF,lVr, e"ngirr,r-kii.rtiiZ-SOOOTZ . The Chief [/anaoer.. Hero Fincorp, Commrrity Cun1r. E;asant Lok, Vasant Vrhar. New Dethi 1 1 0057 lndia ' ' - ;: 1 '1

12.One CC to t\,4s. CHENAGONT MOUNIKA ... Advocate []pUCl l+.two CD Copres 4," 13 One CC to SC FoR CENTRAL GOVERNMENT topual fi! t (2007 ) 2 SC.C T tt r (2008) 7 scc 532 IE E HIGH COURT DATED:1 111112025 ORDER WP.No.34186 of 2025 T,1{E 25mu6 )l ,a) l 0cSp.1.TC\ r€D .A t DISPOSED OF THE WRIT PETITION WI'T-HOUT COSTS \u 1 rl,>