Telangana High Court
WP/7244/2026 of Murali Krishna Kambala Vs Union of India on 10 March 2026
INTHEHIGHcoURTFoRTHESTATE'oFTELANGANA AT HYDERABAD (SPecial Original Jurisdiction) TUESDAY, THE TENTH DAY OF MARCH TWO THOUSAND AND TWENTY SIX PRESENT THEHoNoURABLEsRIJUSTICENAGESHBHEEMAPAKA AND 1 2 Between: tr/lurali Krishna Kambala, s/o Venkateshwar Rao Kumbala,.Ag9j1, vears' occ private
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INTHEHIGHcoURTFoRTHESTATE'oFTELANGANA
AT HYDERABAD
(SPecial Original Jurisdiction)
TUESDAY, THE TENTH DAY OF MARCH
TWO THOUSAND AND TWENTY SIX
PRESENT
THEHoNoURABLEsRIJUSTICENAGESHBHEEMAPAKA
AND
Between:
tr/lurali Krishna Kambala, s/o Venkateshwar Rao Kumbala,.Ag9j1, vears' occ private Emptoyee R/o Sri Vii"y;'i-rX.nnri trtitayam, Ffoittto--aa,.AC-part' Sri Ram u"gii"'dIt#;, "itrj";'Rri.h;; R"qqi. sweet Shop, Mvtri Raod, Krishta raruO'O i G['
"Sr"i g, i"dO V,' i"f ] n g, n a- iCiZllg Pa n No BF U P K2424Q
..PETITIONER
Union of lndia, Represent by it's secretary, Ministry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its chief General Manager' 6'
Sansad Marg, New Delhi - 110001
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?[t%",Ab
h i n a n d a n
. Represented by its Principal !oda.!Officer' S-th-F.loor'
'il;il#'p"*, loirer parbt West, ]t/lumbai 400013'
HSBC,Rep.byitsPrincipalNodalofficer,Ntr:qColTParkBldg3,9thFir'
Nesco complex, w";iffi?ii,;;;; High*iv, Goregaon (East)' Mumbai - 400063
lclcl Bank Limited, Represente!.qy Principal Nodal officer, Bandra-Kurla Complex, Mumbai - 400051, INDIA
SBI Cards and Payments Services Private Limited, Rep bv its Principal Nodal officer, DLF tnfinitvyffiil, i';*"t-c', lttt',-t!th-Floor,'Bltick 2' Building 3'
di-F cyt"; crty, Gurgaon -122002 (Haryana)'
B. Federal Bank, Rep. by its Principal Nodal-offi.ce1, service Quality Department'
Federal ro*ers,"f,.ailo ioi, Aluua, Kerala, |ndia,683101.
9. IDFC FIRST Bank, Represented by its Nodal officer 1-10-631111' Veer chambers, chit;iic;Id;;;, Beguinpet, Hyderabad - 500016
10.AU Small Finance Bank Ltd, Rep. by its Nodal officer, 3-5-908/1'2'3' Ground Floor, Himayat NU;,'HvJetanid, Telangana - 500029
4. HDFC Bank Limited
Tower B, Peninsula
aI
..RESPONDENTS
Petition under Article 226 of the constitution of lndia praying that in the circumstancer; stated in the affidavit filed therewith, the High court may be pleased to issue an appropriate writ, order, or Direction, more particularly in the nature of Wril of Mandamus, declaring the action of respondent Nos'..3 to. 11 in attempting to recover amounts from the petitioner in an arbitrary, illegal, and f,,gh-tiunO""A manner without following the due process of law and in blatant ui|l"tion of the Reserve Bank of lndra Circular dated 12.08.2022 bearing No'
RBll2o22-23t108, DoR.oRG.REc.65/21.04.15812022-23, and further declaring the inaction of respondent No.2 in enforcing the said Circular aS unconstitutional and violative of Articles 14, 19, and 21 0f the constitution of lndia, and consequentty direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery measures against the petitioner and_.to strictly comply with t.he due process of law and the aforesaid circular in all recovery pro"""ding., and further restrain respondent Nos 3 to 11, their agents' recovery agents, eiecutives, managers' or any person. acting on their behalf from eigaging in any acts of inti;idation, harassment, humiliation, or intrusion into the priiaJy -of th,-. petitioner or his family members, referees or friends, including persisient or anonymous calls, threatening messages, or physical visits to the [etitionets premis;s, and further direct respondent No. 2 to enforce the said RBI
bircular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos. 3 to 11 for violating legal norms, and pending disp,:sal of the writ petition' direct the respondent Nos' 3 to 11 not to resort io any, coercive measures against the petitioner except through lawful means and in strict adherence to the Circular dated 12'08 2022 '
Counsel for lhe Petitioner: SRI BONTHU LOKESH PHANINDRA REODY
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400093
Counsel forlhe Respondent No.I: SMT. NVR RAJYALAKSHMI'
SC FOR CENTRAL GOVT. /
SRI N. BHUJANGA RAO,
DeputY Solicitor General of lndia
Counsel for the Respondent No.2 to 11 : - - - - The Court mirde the following: ORDER
IN THE HIGH COURT FOR.THE STATE OF TEII\NGANA
AT HYDER.&BAD
THE HONOURABLE SRI JUSTICE NAGESH BHEEITIAPAKA
uIRIT PETITION No.7244 of 2o26
Dated: 1O.O3.2O26
Between:
Sri Murali Krishna Kambala
Petitioner
\
AND
The Union of India & others
...Respondents
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ORDER:
Sri Bonthu Lokesh Phanindra Reddy, 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, lbr 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 2024, dated 22.o8.2o2+ ana 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 \ I
Bank of India and ilso the judgments o[ the Hon,ble Supreme 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 above direction, the u,rit petition is disposeC of. No costs."
3. Lear;red standing counsel for respondent No.l has no objection.
4. Accordingly, in terms of the order passed by this court in w.P.No.18{) 13 of 2024, dated 22.o8.2024, and for the reasons alike, this Writ Petiticn is disposed of directing the respondent authorities and their agents to s;crupulously follow the guidelines/instructions issued by the Reserve Bzrnk 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'ls case and IcIcI Bank v. shanti Devi sharma'2s case, while recovering the loan amounts from the petitioner. No costs. Miscellaneous petitions, if any pending, shall s SD/.P. tand closed. PONNA KRISHNA L/Aoo t)Z Scc t t t "t-rs)7 s4 53> S ANT REGISTRAR To, ,/TRUE COPY// SECTION OFFICER
1. Union ol lndia, Represent by it's Secretary, Ministry of Finance, New Delhi
2. The Chief General Manager, Reserve Bank of lndia (RBl), 6, Sansad Marg, New Delhi - 110001
3. The NoCal Officer Axis Bank Ltd, Hyderabad Circle Office, Abhinandan Towers, 6-3-24913, Road Nol, Banjara Hills, Hyderabad - 500034.
4. The Principal Nodal Officer, HDFC Bank Limited, sth Floor, Tower B, Peninsu a Business Park, Lower ParelWest, Mumbai400013.
5. The Prirrcipal Nodal Officer, HSBC, NESCO lT Park Bldg 3, 9th Fir, Nesco Complel<, Western Express Highway, Goregaon (East), lvlumbai - 400063
6. The Prirrcipal Nodal Officer, lClcl Bank Limited, Bandra-Kurla Complex, Mumbai - 400051, INDIA
7. The Prirrcipal Nodal Officer, SBI Cards and Payments Services Private Limited, DLF lnfinity Towers, Tower C, 10th-12th Floor, Block 2, Building 3, DLF Cytrer City, Gurgaon -122002 (Haryana).
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g. The Principal Nodal officer, Federal Bank, service Quality Department' Federaltowers,'pS' Uo 103' Aluva' Kerala' lngi?,683101'
g. The Nodat ottteriDFc FIRST sank,- l-lo-oltlt1, veer chambers', chikoti Gardens, Begumpet, Hyderabad - 500016
10. The Nodal officer, AU Small rinan""-ganr Ltd,3-5-90811'2'3' Ground Floor' - Himayat Nagar' Hyderabad, Telangana - -SO.O.OI! .
11. The principal ftioO'ri Officer, lndusiiJ Aank Limited' OPUS Center' 47' Central Road,opp.TungaParadiseHgtgltvllDc,Rnon"'i(East),tVlumbai-400093.
12. One CC to sniEOrliHU LoKEsu pnnrlINDRA REDDY' Advocate [OPUC] 1 3. one cc to sMT. ttvn nruynr-nrsnrrrrr, sc ron CENTRAL GoVT'[oPUC]
14. One cc to sRt N. eHu.JnNcA RAO, D"ou,V solicitor General of lndia[oPUC]
15. Two CD CoPies BN BS \P
tt t HIGH COIURT DATED i1010312026
ORDER
WP.No.7l244 of 2026 DISPOSING OF THE WRIT PETITION WITHOUT GOSTS )) 1 ? t{t\fi 202$ * * / /