Telangana High Court
WP/12420/2026 of Ashish Kumar Gupta Vs The Union of India on 21 April 2026
THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) TUESDAY, THE TWENW FIRST DAY OF APRIL TWO THOUSAND AND TWENW SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WR]T PETITION NO:12420 OF 2026 Between: ANO Ashish Kumar Gupta, S/0. Sunil Kumar Gupta Aged
[ 33001
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
TUESDAY, THE TWENW FIRST DAY OF APRIL
TWO THOUSAND AND TWENW SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WR]T PETITION NO:12420 OF 2026
Between:
ANO
Ashish Kumar Gupta, S/0. Sunil Kumar Gupta Aged 32 Years, Occ. Private Employee, H. No. 248 Floor - 1 Road No. 5a, Near HMT Colony Vedri Township, Miyapur, Medchal Malkajgiri Telangana - 500049.
...PETITIONER
1. The Union of lndia, Rep. by its Secretary, Ministry of Finance, New Delhi
2. The Reserve Bank of lndia,, Rep. by its Chief General Manager, 6, Sansad Marg, New Delhi -1 10001
3. Bandan Bank, 1-8-155/A, Beggum Nayyar Road, lnnovation Colony, Jogani, Ramgopalpet, Hyderabad - 500003, Telangana, lndia.
4. lClCl BANK, Branch SOL lD 1112'lGlCl Bank Ltd., D. No-1- 121ldtl26l33lA
and 34B/, Delta House, Plot No-26, 33/A, 34/A, Sy No. 68, Dist. Rangareddy'
Hyderabad -500049, Telangana
5. Aditya Birla Capital Limited, Bhupal Towers, 6-3-1086, Raj Bhavan Rd, Somajiguda, Hyderabad, Telangana 500082.
6. SMFG lndia Credit 7th Floor, Aditya Trade Center, Kumar Basti, Srinivasa Nagar, Ameerpet, Hyderabad, Telangana 500038
7. MUTOOT FINANCE, Plot No. 106 and 107, Navketan Building, S D Road, Hyderabad - 500003, Telangana.
8. Piramal Finance, Door No 3-5-900/1 , Aparajitha Arcade, 2nd Floor, Old MLA
Quarters Raod, above Vijetha Super Markets, Himayatnagar, Hyderabad - 500 029, Hyderabad, Telangana 500029
9. SBI BANK (CREDIT CARD), Bank St, Troop Bazaar, Koti' Hyderabad'
Telangana 500001
lO.lClCl BANK (CREDIT CARD), NSL Arena, lClCl Bank Ltd., NSL SEZ
(Hyderabad) Pvt Ltd Ground Floor Tower 2, lT/lTes situated at' Uppal'
Hyderabad, Telangana 50001 3
II.FEDRAL BANK (CREDIT CARD); 6t2t953, No 101, 1st Fir, krishna ptaza, opposite Shadan College, Anand Nagar Colony, Khairtabad, Hyderabad, Telangana 500004
12.IDFC FIRST BANK (CREDIT BANK), Ground Floor, Al-Samad Complex, No 3-6-12l:]-6-13, opposite TTD Temple, Himayatnagar, Hyderabad, Telangana 500029
...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 Writ, Order or Direction, more particularly one like Writ of Mandamus Declaring the action of the respondent Nos.3 to 7 in high handedly, arbitrarily and illegally trying to recover the amounts from the petitioner by not following Circular dated 12.08.2,)22 vide RBll2022-231108, DOR.ORG.REC.65/ 21.O41SB|ZO22-22
issued by res;:ondent no.2 or any due process of law and the inaction of the respondent no.2 to legitimately protect the interest of the petitioner by duly enforcing Circular dated 12.08.2022 vide RBt/
2022-231108,
OR.ORG.REC.65121.04.15812022-23 as illegal, arbitrary and unconstitutional for violating Art '14, 19, and 21 of the Constitution of lndia and consequently Direct the respondent no.2 to duly enforce the Circular dated 12.08.2O22 vide RBV2O22- 231108, DOR.ORG. REC.65/ 21.04.15812022-2 to protect the interests of the petitioner against the respondent nos.3 to 12.
l.A. NO: 1OF 2026
Petition unrler 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 the respondent nos. 3 to 12 not to take any coercive measures against the petitioner without following due process of law and mandatorily following Circular dated 't2.O8.2022vide R3112022-231108, DOR. ORG.REC.6S/21.04.158t2022-Z issued by respondent no.2 pending disposal of the writ petition.
Counsel forthe lretitioner: SRI G.VENKAT RATNAM GOUD
counserf orthe^espondenrNo.lr,islJJ#ilrt#,_T".,*T'.r., SRI N.BHUJANGA RAO, .
Dy.Solicitor General Of tndia
Counsel for the Respondent NoStol2 :
--
The Court made the following: ORDER
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAI)
THE HONOI'RABLE SRI JUSTICE I{AGESH BHEEMAPAKA
WRIT PETITION No.l242O of 2o26
Dated: 2t.O4.2O26
Between:
Sri Ashish Kumar Gupta
.Petitioner
AND
The Union of India & others
..Respondents
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ORDER:
Sri G. Venkat Ratnam Goud, learned counsel for the petitioner and Smt. NVR. Rajyalakshmi, learned Standing Counsel for Central Government representing Sri N. Bhujanga Rao, learned Deputy Solicitor General of India, for respondent No.1.
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.18913 of 2O2+, 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 agents 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 Hon'ble Supreme Court in ICICI Bank Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Baak Vs; Shanti Devl Sharma's case (2 supra).
9. With the above direction, the writ petition is disposed of. No costs."
3. l.earrred Standing Counsel for respondent No.l has no objection.
4. Accordingly, in terms of the order passed by this Court in W.P.No. 189 13 of 2024, dated,22.08.2024, and for the reasons alike, this writ Petitiorl is disposed of directing the respondent authorities and their agents to s,:mpulously 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 Kaur'rs cas;e and ICICI Bank v. Shaati Devl Sharma,2s case, while recovering the loan amounts from the petitioner. No costs. Miscellaneous petitions, if any pending, shall stand closed. SD/. T SRINIVASA REODY st NT REGISTRAR //TRUE COPY// To, ECTION OFFICER . The Sec:retary, Union of lndia, Ministry of Finance, Delhi Ihg.C!i."I-9gnerat Manager,Reserve Bank of tndia, 6, Sansad Marg, New Delhi -110001 3' The Barrdan Bank, 1-8-1ss/A, Beggum Nayyar Road, rnnovation coronv. Jogani, tlamgopatpet, HyderaOaO _ Sri'OoOe, f6iangana, tnOi;.-'-"-
4. The IC,C| BANK, Branch SOL tD 121ldtl2tJl31lA and 34B/, Delta House, Dist. Rangareddy, Hyderabad -500049, T 1112-lClcl Bank Ltd., D. No-1- Plot No-26, 331A, 341A, Sy No. 68, elangana '(zoo7)2scczrr '? (zoos) z scc s: z
5. The Aditya Birla Capital Limited, Bhupal Towers, 6-3-1086, Raj Bhavan Rd, Somajiguda, Hyderabad, Telangana 500082.
6. The SMFG lndia Credit 7th Floor, Aditya Trade Center, Kumar Basti, Srinivasa Nagar, Ameerpet, Hyderabad, Telangana 500038
7. The MUTOOT FINANCE, Plot No. 106 and 107, Navketan Building, S D Road, Hyderabad - 500003, Telangana.
8. The Piramal Finance, Door No 3-5-90011, Aparajitha Arcade, 2nd Floor, Old MLA Quarters Raod, above Vijetha Super Markets, Himayatnagar, Hyderabad
- 500 029, Hyderabad, Telangana 500029
9. The SBI BANK (CREDIT CARD), Bank St, Troop Bazaar, Koti, Hyderabad, Telangana 500001
10. The lClC! BANK (CREDIT CARD), NSL Arena, lClCl Bank Ltd., NSL SEZ (Hyderabad) Pvt Ltd Ground Floor Tower 2, lT/lTes situated at, Uppal, Hyderabad, Telangana 50001 3 1 1 . The FEDRAL BANK (CREDIT CARD), 6121953, No 101 , 1 st Fir, krishna plaza, opposite Shadan College, Anand Nagar Colony, Khairtabad, Hyderabad, Telangana 500004
12. The IDFC FIRST BANK (CREDIT BANK), Ground Floor, Al-Samad Complex, No 3-6-1213-6-13, opposite TTD Temple, Himayatnagar, Hyderabad, Telangana 500029
13. One CC to SRI G.VENKAT RATNAM GOUD, Advocate. [OPUC]
14. One CC to SRI N.BHUJANGA RAO, Deputy Solicitor General of lndia, High Couft for the State of Telangana at Hyderabad. [OPUC]
15. Two CD Copies. lN,, BsK -W GJP
HIGH COURT DATED: :2110412026
ORDER
WP.No.1242O ot 2026 DISPOSING OF THE WRIT PETITION W|THOU'IT COSTS * -/ 2 E APfi 202[ z SPA: t,I \'?,h I