Telangana High Court
WP/15891/2026 of AITHA THIRUPATHI REDDY Vs Union of India on 5 May 2026
IN THE HIGI-I COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) TUESDAY, THE FIFTH DAY OF MAY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO: 15891 OF 2026 Between: AND Aitha Thirupathi Reddy, S/o. Lakshman Reddy, Aged
IN THE HIGI-I COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
TUESDAY, THE FIFTH DAY OF MAY
TWO THOUSAND AND TWENTY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION NO: 15891 OF 2026
Between:
AND
Aitha Thirupathi Reddy, S/o. Lakshman Reddy, Aged about.3S years, Occ. Private Employee, R o. H No.1-1-37913141 SRT 295 Sri Sai Homes, Sahara Bakery Lane Jawahar Nagar, Rtc X Road, Hyderabad 500020
...PETITIONER
1. Union of lndia, Represented by its Secretary Ministry of Finance, 3rd floor, Jeevan Deep Building, Sansad Marg, New Delhi-'l 10001.
2. The Reserve Bank of lndia, Represented by its Chief General Manager, Office at 8th Floor, Central Office Building, Shahid Bhagat Singh Marg, Fort, Mumbai, lndia 400001 .
3. lClcl Bank Limited, Rep by, its Managing Director, Office at lClCl Bank Tower, 7th floor, Survey no. 115127, Plol no. 12, Nanakramguda, Serilingampally, Rangareddy District - 500032.
4. Bajal Finance Limited, Rep by its Managing Director, Office at 1st Floor, Metro Station, No 812129318N7291111F, Near Madhapur, Jubilee Hills, Hyderabad, Telangana 500081.
5. Standard Chartered Bank, RepreSented by its Managing Director, Crescenzo Building, C-38/C-39, G Block, Bandra Kurla Complex (BKC), Bandra East, Mumbai - 400051
6. Krazybee Services Private Limited, Represented by its Managing Director, 4th Floor, Anjaneya Techno Park, No. 147, HAL Old Airport Road, ISRO Colony, Kodihalli, Bengaluru- 560008, Karnataka.
7. HDFC Bank, Represented by its Managing Director, Office at Credit Card Division, HDFC House, H T Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai - 4O0 02O.
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8. SBI card (sBr Bank), Represented by its Managing Director, ffice at unit Nos.
3C,3D 86 3E,3rd Floor, 1-8-382, eueens piaza S.p. Road, Secunderabad, Telangana, lndia-500003.
9. SMFG lndia credit company Ltd. (SMICC), Represented by its Managing Director, office at 1Oth Froor, office No. 101 , 1o2 g6 103, 2 North Avenue, MJker Maxity, Bandra Kurla Complex (BKC), Bandra (East), Mumbai _ 400 OSI
10. BOBCARD Limited (formerry _Bobcards Ltd), Represented by its Managing Director, office at 2nd Froor, Baroda House, Behind Dewan siropping ceitre, S.V. Road, Jogeshwari (West), Mumbai - 400i02
1'l . EarlySalary services Private _Limited (Fibe), Represented by its Managing Director, Office at 404, the Chambers, Viman Nagar, pune, MaharashtL -
411014. 12 HDB Financiar Services Limited, Represented by its Managing Director, Office at HDB House, Tukaram Sandam Marg, A _ SuOnasfr "RO, Navpada, Vile Parle East, Mumbai, Maharashtra 400057
12.HDB Financial services Limited, Represented by its Managing Director, office at HDB House, Tukaram Sandam Marg, A - subhaih Rd Naipa-da, vire parre East, Mumbai, Maharashtra 400057.
...RESPONDENTS
Petition under Article 226 of the constitution of rndia praying that in the circumstances stated in the affidavit filed therewith, the High court may be pleased to issue writ order or Direction more particularly one in the nature of writ of Mandamus declaring the action of the Respondent No.2 in not legitimately protecting the interest of petitioner by duly enforcing its circular dated 12-08-2022 vide RBv2oz2z3l 108 DoR
oRG REC 65121 04 1s\l2o22-23 against Respondent Nos. 3 to 12 who are reso(ing to high-handed measures to recover money without following the circular dated 12-08_
2022 vide RBlt2o2223t 108 DoR oRG REC 6sr21 04 1s8t202223 issued by Respondent No. 2 and consequenfly direct the Respondent Nos. 3 to 12 not to take any coercive, threatening, or adverse measures-including repeated visits, persistent phone calls, messages, mails or any form of communication-against the petitioner or his family members, relatives, colleagues, neighbours, including his elderly parents, either at their present or permanent residence or at their place of work, without strict adherence to the due process of law and mandatory compliance with circular No. RBI/2022-23l10g DOR.ORG.REC.65121 .04.158t2022-23 issued by Respondent No. 2.
.^,]
l.A. NO: 1OF 2026
Petition under section 151 cPC praying that in the circumstances stated in the affidavit filed in support of the petition, the High court may be pleased to direct may be pleased to direct Respondent Nos. 3 to 12 not to take any coercive, threatening, or adverse measures-including repeated visits, persistent phone calls, messages, mails or any form of communication-against the Petitioner or his family members,. relatives, colleagues, neighbours, including his elderly parents; either at their present or permanent residence or at their place of work, without strict adherence to the due process of law and mandatory compliance with Circular No. RBI/2022 -23t1}g DOR.ORG. REC .65121 .O4.15812022-23 issued by respondent no.2
Counsel for the Petitioner: SRI LAXMAIAH YADAV.B
Counsel forthe Respondent No.1: SRI N.BHUJANGA RAO, DEPUTY
SOLICITOR GENERAL OF INDIA
Counsel for the Respondent Nos.2 to 12:. - - - The Court made the following: ORDER
ry
IN THE HIGH COURT FOR THE STATE OF TELAilGANA
AT HYDERABAD
THE HONOURABLE SRI JI'STICE NAGESItr BIIEEMAPAI(A
WRIT PETITION No.15891 of 2026
Dated: 05.O5.2026
Between:
Aitha Thirupathi Reddy
AND
The Union of India,
Represented by its Secretary
Ministry of Finarce,
3.d floor, Jeevan Deep Building,
Sansad Marg, New Delhi - 110 001 & others.
. . . Petitioner
\
. . . Respondents
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ORDER:
Heard Mr.B.Laxmaiah Yadav, learned counsel for the petitioner and Sri N.Bhujanga Rao, learned Deputy Solicitor General of India, for respondent No. 1. Perused the record.
2. When the matter is taken up for hearing, learned counsel for petitioner submitted that the issue raised in this Writ Petition is squarely covered by the order passed by this Court in W.P.No.i89 13 of 2024, dated 22.08.2024 and. therefore, the same order may be passed in this writ petition as well. The operative portion of the said order reads as under: "8. In view of the above circulars, this Court deems it appropriate to direct the respondents to ensure that the egents engaged by them for recovery of the loan amounts, shall strictly follow the guidelines and instructions issued by the Reserve Bank of India and also the judgments of the Hontrle Supreme Court in ICICI Bank Ltd Vs. t l
Prakash Keur's case (1 supra) and ICICI Bank Vs. Shaati Devi Sharma's case (2 supra).
9. With the above direction, the writ petition is disposed of. No costs."
3. Learned Standing counsel for the respondents has no objection. 4 . Accordingly, in terms of the order passed by this Court in W.P.No.18913 of 2024, dated 22.08.2024, and for the reasons alike, this writ petition is disposed of directing the respondent authorities and their agents to scrupulously follow the guidelines/instructions issued by the Reserve Bank of India in its Circular dated 12.08.2022 and also the judgments of Hon'ble Supreme Court in ICICI Bank Ltd. v. Prakash Kaurl case and ICICI Bank v. Shanti Devi Sharma2 case, while recovering the loan amounts from the petitioner. No costs. Pending miscellaneous applications, if any, shall stand closed. I Sd/.M.OSMAN ALI BAIG ASSISTANT REGISTRAR .z-oo ? qooB To, +rl G a qcc A SCt //TRUE COPY// SECTION OFFICER
1. The Secretary, Union of lndia, Ministry of Finance, 3rd floor, Jeevan Deep Building, Sansad Marg, New Delhi-1 10001 .
2. The chief General Manager, Reserve Bank of lndia, office at gth Floor, central Office Building, Shahid Bhagat Singh Marg, Fort, Mumbai, tndia 400001 .
3. The Managing Director, lclcl Bank Limited, office at lclcl Bank rower, 7th froor, Survey no. 115127, Plot no. '12, Nanakramguda, Serilingampally, Rangareddy District - 500032.
4. The Managing Director, Bajaj Finance Limited, office at 1st Floor, Metro Station, No 8lZ83l8Af729l1l1F, Near Madhapur, Jubitee Hiils, Hyderabad, Telangana 500081. . *rysrar-4g I i IIi I j I I I
T
5. The Managing Director, Standard chartered Bank, crescenzo Building, c-38/c- / 39, G Block, Bandra Kurla Complex (BKC), Bandra East, Mumbai - 4OO-051 /
6. The Managing Director, Krazybee Services private Limited, 4th Floor, Anjaneya Techno Park, No. 147, HAL Old Airport Road, ISRO Cotony, Kodihaili, Bengaluru- 560008, Kamataka.
7. The Managing Director, HDFC Bank, Office at Credit Card Division, HDFC House, H T Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai _ 400 020.
8. The Managing Director, SBI Card (SBl Bank), Office at Unit Nos. 3C, 3D 86 3E, 3rd Floor, 1-8-382, Queens Plaza S.P. Road, Secunderabad, Telangana, lndia_ 500003
9. The Managing Director, SMFG lndia Credit Company Ltd. (SMICC), Office at '1Oth Floor, Office No. 1O1,102 86 103, 2 North Avenue, MakerMaxity, Bandra Kurla Complex (BKC), Bandra (East), Mumbai - 4OO OS j
10. The Managing Director, BOBCARD Limited (formerly Bobcards Ltd), office at 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S.V. RoaO, Jogeshwari (West), Mumbai - 4OO1O2
11. The Managing Director, EarlySalary services private Limited (Fibe), office at 404, the Chambers, Viman Nagar, pune, Maharashtra - 41 1014.
12. The Managing Director, HDB Financial services Limited, office at HDB House, Tukaram Sandam Marg, A - Subhash Rd, Navpada, Vile parle East, Mumbai, Maharashtra 400057
13. One CC to SRI LAXMATAH YADAV.B, Advocate tOpUCI
14. one cc to SRI N.BHUJANGA RAo, DEpury solrcrroR GENERAL oF rNDrA loPUCl
15. Two CD Copies ,i-
HIGH COURT DATED: 0510512026
ORDER
I I t5o 1\\ E, slAIE 15 t\[I i2[ G} L \r(J\\a ,\: \;,/ *. i-r.r WP.No.15891 of 2026 DISPOSING OF THE WRIT PETITION WITHOUT COSTS 1( og 4 3iA1