Telangana High Court
WP/12090/2026 of Bathika Charani Vs Union of India on 20 April 2026
IN THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) MONDAY, THE TWENTIETH DAY OF APRIL TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO: 12090 OF 2026 Between: Bathika Charani, W/o. Madikanti Arjun, Aged about.
[ 3300 I
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
MONDAY, THE TWENTIETH DAY OF APRIL
TWO THOUSAND AND TWENTY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION NO: 12090 OF 2026
Between:
Bathika Charani, W/o. Madikanti Arjun, Aged about. 27 years, Occupation. Private Employee, R/o. H.No. 13-9-81/78, 1st Floor, P R Nagar, Near Bharat Gas Godown, Sanathnagar lE, Medchal Malkajgiri - 500 018.
.....PETITIONER
AND
1. Union of lndia, Represented by its Secretary Ministry of Finance, 3rd floor, Jeevan Deep Building, Sansad Marg, New Delhi-110001.
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. Finnable, Represented by its Managing Director, Office at TVS Credit Services Limited, lndiQube Lakeskle, 4th Floor, Municipal No. 80/2, Wing A, Bellandur Village, Varthur Hobli, Bengaluru, Kamataka, lndia, 560103.
4. Bajaj Finance Limited, Represented by its Managing Director, Office at 4th Floor, Bajaj Finsery Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune - 411 O14.
5. Piramal Finance Limited, Represented by its Managing Director, Office at Registered Address. 601,6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station, LBS [Vlarg, Kurla (W) Mumbai MH
400070.
6. IDFC BANK, Represented by its Managing Director, Office at IDFC FIRST
Bank Tower, (The Square), CS1, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051, Maharashtra.
7. L and T Finance Limited, Rep by its Managing Director, Office at Brindavan, Plot No. 177, C S T Road, Kalina,santacruz (East) Mumbai, Maharashtra-
400098.
8. lncred Finance, Represented by its Managing Director, Office at 4th Floor, BRR Complex, Raj Bhavan Rd, near Zoi l-{ospitals, Nishat Bagh Colony, Begumpet, Hyderabad, Telangana 500082.
9. Muthoot Finance Ltd, Representedby its Managing Director, Office at 3-6-211, 2ND Floor Grandpa's Royal Mansion, Opposite TTD Kalyana Mandapam, LibertyCross Road, Himayat Nagar, Hyderabad, Telangana 500029.
1O.HDFC Bank, Represented by its Managing Director, Office at HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400013.
ll.Shriranr Finance, Represented by its Managing Director, Office at Shriram Financt: Limited, 14A, Sri towers, South Phase, lndustrial Estate, Guindy Chennai - 600 032.
12.Kotak lt4ahindra Bank, Represented by its Managing Director, Ground Floor, Premiel Building, Plot No 35, 36, 41 8642, Survey No 76, Madhapur Viliage, Seriling.arnpally Mandal, Ranga Reddy District, Hyderabad - 500081.
., ...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 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 RBU2O22231 108 DOR ORG REC 65t21 04 15812022-23 against Respondent Nos. 3
to 12 who are resorting to high-handed measures to recover money without following the Circufar dated 12-08-2022 vide RBU2O2223| 108 DOR ORG REC 65121 04
1581202223 issued by Respondent No. 2 and Consequently direct the Respondent Nos. 3 to 12 not to take any coercive, threatening, or adverse measures whether by visiting, calling, or through any form of communication against the Petitioner (who is presently pregnant) or her family members, including her husband, and elderly in{aw parents, either at their residence or place of work, without strict adherence to the due process of law and mandatory crmpliance with Circular No. RBI/2022-231 108
DOR.ORG.RECli5121.04.15812022-23 issued by Respondent No.2.
Petition Urrder 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 Respondent Nos. 3 to 11V not to take any coercive, threatening, or adverse measures-whethe,r by visiting, calling, or through any form of communication against the Petitioner (wlro is presently pregnant) or her family members. including her husband and elderly in-law parents, either attheir residence or place of work, without strictly following the due process of law and ensuring mandatory compliance with circutar No. RB1t2o22-23t1OS DOR.ORb.REC.65/21.O4.158t2022-23 issued by Respondent No. 2, pending finaldisposal of the present writ petition.
Counselfor the Petitioner : SRI K.BALA NAVEEN
Counsel for the Respondent No.1 : SMT N.V.R.RAJYA LAKSHMI, STANDING
COUNSEL REPRESENTING SRI N.BHUJANGA RAO, DEPUTY SOLICITOR
GENERAL OF INDIA
Counsel for the Respondent Nos.2 to 12: -- The Court made the following ORDER
i
i
I
I
IN TIIE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
THE IIONOURABLE SRI JUSTICE NAGESH BHEEMAPAI{A
WRIT PETITION No.12O9O of 2026
20.04.2026
Between:
Bathika Charani
...Petitioner
AND
The Union of India,
Represented by its Secretar5r
Ministry ol'Finance,
New Delhi & others
...Respondents
Citations and Judicial Treatment
Cited by
0
Decisions in the index citing it
Cites
0
Decisions referred to
In this index
0
Of the decisions it cites
Overruled / Questioned
0
No negative treatment found
Loading the citing and cited decisions…
This judgment in the centre: on the left the decisions it cites, on the right the decisions citing it. Colour is the treatment; choose a decision to open it.
ORDER:
Heard Mr.K.Bala Naveen, Iearned counsel for the petitioner and Smt.ltl.V.R.Rajya Lakshmi, learned Standing Counsel for Central Government representing Sri N.Bhujanga Rao, learned Deputy Solicitgr General of India, for respondent No.l. Perused the record.
2. When the matter is taken up for hearing, learned counsel for petitioner srrbmitted that the issue raised in this Writ Petition is "qr"r"$. covered by the order passed by this Court in . -\ W.P.No.189:13 of 2024, dated 22.08.2024 and therefore, the s€une order may tre passed in this writ petition as well. The operative portion of the said order reads as under: "fl. In view of the above circulars, this Court dt:ems it appropriate to direct the respondents to \ t
\
ensure that the age4ts 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 Honble Supreme Court in ICICI Bank Ltd Vs' Prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra). g. With the above direction, the writ petition is disposed of. No costs." 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 0f 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 L2.O8.2O22 and also the judgments of Honble 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, closed. if Try, shall stand I scc scc
I 1(2OO7l2 2(2008) 7 ,ffRUE COPY/ SD,- SECTION OFFICER floor, Jeevan DeeP Office at 8th Floor, Fort, Mumbai, lndia The Secretary, Union of lndia, Ministry of Building Sansad Marg, New Delhi-110001.
2. The Chief General Manager' Reserve Bank of lndia, Central Office Bhagat Singh Marg, 3rd
1. II I To $ Building, Shahid
, 400001 .
3. The Managing Director, Finnable, ffice at. TVS Credit Services Limited' lndiQutre Lakeside, 4th Floor, Municipal No. 80/2, Wing A' Bellandur Village' Varthur Hobli, Bengaluru, Kamataka, lndia, 560103.
4. The Managing Director, Bajaj Finance Limited, Of{ice at 4th Floor' Bajaj Finsery Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune - 411 0121.
5. The M;anaging Director, Piramal Finance Limited, Office at Registered Addres:;. 601,6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station, LBS Marg, Kurla (W) Mumbai MH 400070.
6. The Ma'raging Director, IDFC BANK, Office at IDFC FIRST Bank Tower, (The Square), C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051, Maharashtra.
7. The Ma.raging Director, L and T Finance Limited, Office at Brindavan, Plot No. 177, C S T Road, Kalina,Santacruz (East) Mumbai, Maharashtra-400098. B. The Marraging Director, lncred Finance, Office at 4th Floor, BRR Complex, Raj Bhavan Rd, near Zoi Hospitals, Nishat Bagh Colony, Begumpet, Hyderabad, Telangana 500082.
9. The Managing Director, Muthoot Finance Ltd, Office at 3-6-211,2ND Floor Grandpa's Royal Mansion, Opposite TTD Kalyana Mandapam, Liberty Cross Road, Himayat Nagar, Hyderabad, Telangana 500029. 1O.The Mar,aging Director, HDFC Bank, Office at HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400013.
11. The Managing Director, Shriram Finance, Office at Shriram Finance Limited, 14A, Sri towers, South Phase, lndustrial Estate, Guindy,Chennai - 600 032.
12. The Managing Director, Kotak Mahindra Bank, Ground Floor, Premier Building, Plot No 35, 36, 41 8642, Survey No 76, Madhapur Village, Serilingarnpally Mandal, Ranga Reddy District, Hyderabad - 500081.
13. One CC to SRI K.BALA NAVEEN, Advocatre IOPUC]
14. One CC to SRI N.BHUJANGA RAO, Deputy Solicitor General of lndia Advocate [OPUC]
15. Two CD Copies GJP
\ HIGH COURT DATED: 2010412026 OIIEI=IEI WP.No.12090 of 2026 DISPOSING OF THE W.P WITHOUT COSTS. U) \ ntE v,n - \\\S' p, f lY:\ :)
+ I t) i.tr + t. I \ ) uoQ\ I I