WP/2958/2026 of Chokkarapu Amareshwar Vs The Union of India, on 12 February 2026

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IN THE HIGH COURT FOR THE STATE OF TELANGANA

AT HYDERABAD

(Special Original Jurisdiction)

THURSDAY, THE TWELFTH DAY OF FEBRUARY

TWO THOUSAND AND TWENTY SIX

PRESENT

THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA

WRIT PETITION NO: 2958 OF 2026

Between:

Chokkarapu Amareshwar, S/o. Chokkarapu Jaggaiah, Aged. 40 years, Occ ; Pvt Employee, Fl/o. H.No.6-2-171 Road No.'1 Shobhana colony Balanagar, Hyderabad, Telangana 500042.

.....PETITIONER

AND

1. The Union of lndia, Represented 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. 110001.

3. HDFC Bank Ltd, Rep by its Chief General Manager HDFC Bank Cards Division, P.O. Box. 8654, Ambattur lndustrial Estate P.O., Chennai- 600058.

One lndiabulls Centre, Tower

, Lower Parel (W), tvlumbai- 400013.

5. lndusind Bank Ltd, Rep by its Chief General Manager One World Centre, Tower 1, 18th floor, Jupiter Mill Compound, 841, Senapathi Bapat [rlarg, Elphinstone Road, Mum bai, lVlaharashtra. 4000 1 3.

6. Yes Bank,, Rep by its Chief General fvlanager,YEs BANK Tower, IFC - 2, 1Sth Floor, Senapati Bapat Marg, Elphinstone (W), Mumbai400 013, lMia.

7. IDFC, Rep by its Chief General lVlanager The Square,C-61, G Block,Ground Floor To 8th Floor Bandra Kuria Complex, Bandra East,[Vlumbai - 400051.

8. Acii$ra'Ainb- Capital, One World Centre, Tower 1, 18th Fb6[lupiter trliit "

Compound ,841, Senapati Bapat lMarg, Elphinstone Road, Mumbai - 400013.

.....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 respondents in not controtling the agents who are harassing the petitioner and his t€mily by the respondents Nos. 3

to 8 (bank attthorities and financial institutions) is illegal, arbitrary, a violation of the principles of natural justice and blatant violation and as well as Rules framed under Reserve Bank of lndia and the fundamental rights guaranteed under the Constitution ,rf lndia, consequently direct the respondents not to harass the petitioner.

;

Counsel for the Petitioner : SRI A.SAGAR

counsel for the Respondent No.l : SMT N.V.R.RAJYA LAKSHMI, sc FoR

CENTRAL GOVERNMENT

Counsel for t,he Respondent Nos.2 to 8 : - The Court marde the following ORDER

IN THE HIGH COURT FOR THE STATE OF TELANGANA

AT HYDERABAD

THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA

uIRIT PETITION No.2958 of 2o26

L2.O2.2026

Between:

Chokkarapu Amareshwar

...Petitioner

AND

The Union of India,

Represented by its Secretary,

Ministry of Finance, New Delhi & J others

...Respondents

ER:

Heai'd sri sagar A, learned counsel for the petitioner, Smt NVR Raj5r6 Laskhmi, learned Standing counsel for central Government. Perused the record.

2.

Despite service of notice, none appeared for remaining rcspondcnts.

3.

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 thc order passed by this court in W.P.No.l891&-012O24, dated 22.08.2024 and, therefore, the same \

order may be passed in this writ petition as well. The operative portion of the saidLrder reads as und.er:

"8. In view of thc above circulars, this Court deems it appropriate to dircct the respondents to ensure that the agcrrts engaged by them for recovery o[ the loan amounts, shall strictly follorn, the guidelines and instructions issued by th<:

Reserve Bank of tndia and also the judgments of the Hon'ble Suprenre 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 writ petition is disposed of. No costs."

Learned counsel for respondent No. r has no objection

5.

Accorci,gly, in terms <;[ thc order passed by this co,rt irr w.P.No.189 13 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.o8.2022 and also the judgments of FIon,ble supreme court in ICICI Bank Ltd. v. prakash Kaurrrs case and IcIcI Bank v. shanti Devi sharma,2s case, while recovering the loan amounts from the petitioner. No costs.

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2 SCC7lL

7 SCC 532

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Pending miscellaneous applications, if any, shall stand closed.

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sD/- c.

ASSISTANT

//TRUE COPY//

SECTION OFFICER

1. The Secretary, Union of lndia, Ministry of Finance,

2. The Chief General Manager, Reserve Bank of lndia, Delhi. 110001.

lMarg, New

3. The Chief General l/anager, HDFC Bank Ltd, HDFC Bank Cards Division, P.O. Bbx. 8654, Ambattur lndustriat Estate P.O., Chennai - 600058.

4. The Chief General Manager, RBL Bank, One lndiabulls Centre, Tower 28, 6th '. Floor, 841 , Senapati Bapat lvlarg, Lower Parel (W), tt/umbai - 400013.

5. The Chief General [Vlanager, lndusind Bank Ltd, One World Centre, Tower 1, 18th floor;.Jupiter Mill Compound , 841 , Senapathi Bapat Marg, Elphinstone Road, Mumbai, Maharashtra. 40001 3.

6. The Chief General Manager, Yes Bank, YES BANK Tower, IFC - 2, 1sth

.. Floor, Senapati Bapat Marg, Elphinstone (W), l/umbai 400 013, India.

7. The Ofiief General f\rlanager, IDFC, The Square,C-61, G Block,Ground Floor To 8th Floor Bandra Kuria Complex, Bandra East,Mumbai - 400051.

8. The Aditya Birla Capital, One World Centre, Tower 1, lBth Floor, Jupiter Mill Compound ,841, Senapati Bapat [Vlarg, Elphinstone Road, [Vlumbai - 400013.

9. One CC to SRI A.SAGAR, Advocate [OPUC]

1O.ONC CC tO STVIT N.V.R.RAJYA LAKSHMI, SC FOR CENTRAL

GOVERNMENT, Advocate [OPUC]

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DATED i1210212026