Telangana High Court
WP/2065/2026 of Venugopal Racharla Vs The Union of India on 23 January 2026
IN THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) FRIDAY, THE TWENTY THIRD DAY OF JANUARY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO:2065 OF 2026 Between: AND Venugopal Racharla, S/o. Sammaiah Racheria,
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
FRIDAY, THE TWENTY THIRD DAY OF JANUARY
TWO THOUSAND AND TWENTY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION NO:2065 OF 2026
Between:
AND
Venugopal Racharla, S/o. Sammaiah Racheria, Aged about 47 yea$, Occ Pvt Emp, 8-7-47, near Govindarajulagutta, Girmajipet, Warangal, PO: Warangal, Dist: Warangal, Telangana - 506002
...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, Neur Delhi -110001
3. SBI Cards and Payments Services Limited (SBl Card)., Rep. by its Chief Manager, DLF Cyber City, Tower C, Block 2, Building 3 DLF lnfinity Towers, 12th Floor, Gurugram., HR - 122002
4. Bajal Finance Ltd., Rep by its Chief Manager 4th Floor Bajaj Finsery . Corporate Office Off Pune Ahmednagar Road Mman Nagar Pune 411 O14
5. Hero FinCorp Ltd, Rep. by its Chief Manager, 34,Community Centre, Basant Lok, Vasant Vihar, New Delhi, 110057,
6. L AND T Finance Limited, Rep. by its Chief Manager, Mumbai at Brindavan, Plot No. '177, C.S.T Road, Kalina, Santacruz (East), Mumbai - 400 098,
7. lnduslnd Bank Ltd, Rep by its Chief manager, 1-8-488, Sardar Patel, Begumpet, Secunderabad -500003
8. RBL BANK LIMITED, Rep. by its Chief Manager, One World Center,.Tower 28, Senapati Bap-t Marg Mumbai - 400013
9. lndia lnfoline lnvestments Services Limited, Rep. by its Chief Manager, 8th Floor, Hubtown Solaris, N. S. Phadke Marg, Vijay Nagar, Mumbai - 40O 069
1o.Aditya Birla Capital Limited, Rep. by.its Chief Manager, One World Centre, Tower'l,18th Floor, S B Marg, Elphinstone Road, Mumbai -400013
1 1 . Union Bank Of lndia, Rep. by its Chief Manager, Union Bank Bhavan, 239, Vidhan Bhavan Marg, Mumbai - 4OO O21
.lEr
12. Earll,Salary Services Private Limited, Rep by its Chief Manager, Unit No. 404, The,Shambers, Viman Nagar, pune, Maharashl:a 411014
13. Navi Finserv Limited, Rep by its Chief Manager, 2nd Floor, Vaishnavi Tech Squzrre, lballur Village, Bengaluru, Karnataka-5601 02
...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 an appropriate writ, order or direction more particularly one in the nature of wRlr oF MANDAMUS declaring the action of the respondents in not controlling the agents who harassing the petitioner and his family by the respondents Nos. 3 to .13
(bank authorities and financial institutions) is illegal, arbitrary, violation of ihe principles ol natural justice and blatant violation and as well as Rules framed under Reserve Bank of lndia and the fundamental rights guaranteed under the constitution of lndia corsequently direct the respondents not to harass the petitioner and his family members on the ground of collecting the monthty installment dues and direct respondent ros. 3 to 13 to fottow circular dated 12.08.2o22 vide Rg,lt2022-2gl1o1, DOR.ORG. llEC 65/2I.04.15812022-23 issued by respondent no.2.
Counsel for the Petitioner: Ms. THAKUR MANASWNT SINGH, REp.
SRI M.KESHAV YADAV
Counsel for the Respondent No.l: SRI MAMIDI SAI YADAV, SC FOR CENTRAL GOVT.
Counsel for the Respondent Nos.2 to i 3: - - - The Court nrade the following: ORDER
lr:
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD :.
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
o.2065
Dated: 23.oL.2026
Between:
Sri Venugopal Racharla
...Petitioner
AND
The Union of India & 12 others
...Respondents
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ORDER:
Ms. Thakur Manaswini singh, learned counsel representing Sri M. Keshav Yadav, learned counsel for the peti,ioner and Sri Mamidi Sai Yadav, leanred Standing counsel for central Government, for respondent No.1
2. when the matter is taken up for hearing, learned counsel for petitioner submitted that fhe issue raised in this Writ Petition is squarely covered by the order passed by this Court in w.p.No.lg9l3 of 2024, dated 22.oa-2o24 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 thern for recovery of the loan amounts, shall strictly follow the guidelines and instructions' issued br. the Reserve \ tl l3ank of li'dia and aiso the judgments of the Hon'ble isupreme'Court in ICICI Bank Ltd Vs. Prakash lKaur's case (1 supra) and ICICI Bank Vs. Shanti .Devi Sharma's case (2 supra). '). With the above direction, the writ petition is ,lisposed of. No costs."
3. Learnt:d Standing Counsel for respondent No.1, has no objection.
Accor<lingly, in terms of the order passed by this Court in W.P.No.189..3 of 2024, dated 22.O8.2024, and for the reasons alike, this Writ Petition is clisposed of directing the respondent authorities and their agents to scrupulously follow the guidelines/instructions issued by the Reserve Bank of tndia in its Circular dated 12.08.2022 and also the judgments <lf 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 stand closed. I 6zoo+i ,- scc -lr t 21raoe) a gac SIL Sd/.L.VIJAYA LA)ffiI AssrsrANrpsrnnn SECTION OFFICER //TRUE COPY// To,
1. The Secretary, Ministry of Finance, New Delhi, Union of lndia.
2. The Chief General Manager, Reserve Bank of lndia, 6, Sansad Marg, New Dell'ri-110001
3. The Chief Manager, SBI Cards and Payments Services Limited (SBl Card)., DLF Cyber City, Tower C, Block 2, Building 3 DLF lnfinity Towers, 12th Floor, Gurugram., HR - 122OO2
4. The Chief Manager, Bajaj Finance Ltd., 4th Floor Bajaj Finsery Corporate Offir;e Off Pune Ahmednagar Road Viman Nagar Pune 411 O14
5. The Chief Manager, Hero FinCorp Ltd, 34,Community Centre, Basant Lok, Vas;ant Vihar, New Delhi, 110057,
6. The Chief Manager, L & T Finance Limited, Mumbai at Brindavan, Plot No. 177, C.S.T Road, Kalina, Santacruz (East), Mumbai - 400 098'
7. The Chief Manager, lnduslnd Bank Ltd, 1-8-488, Sardar Patel, Begumpet, Secrnderabad -500003
8. The Chief Manager, RBL BANK LIMITED, One World Center, Tower 28, Senapati Bapat Marg Mumbai - 400013 Crd..,.
\
9. The Chief Manager, lndia tnfoline lnvestments Services Limited, gth Floor, Hubtown solaris, N. S. phadke Marg, vijay Nagar, Mumbai- 400 069
10. The chief Manager, Aditya Birla capital Limited, one world centre, Tower 1,18th Floor, S B Marg, Elphinstone Road, Mumbai _400013 't1.The chief Manager, Union Bank of lndia, Union Bank Bhavan, 239, Vidhan Bhavan Marg, Mumbai - 4A0 021
12. The chief Manager, Early sarary Services private Limited, Unit No.404, The Chambers, Viman Nagar, pune, Maharashtra 411014
13. The chief Manager, Navi Finserv Limited, 2nd Floor, vaishnavi rech square, lballur Village, Bengaluru, Karnataka-5601 02
14. One CC to SRI M.KESHAV YADAV, Advocate tOpUCI
15. one cc to sRl MAMtDt sAt YADAV, sc FoR CENTRAL Gow. topucl
16. Two CD Copies BSRYPMK G dLe i l l ; I I ii II I;it -t( II I
I HIGH COURT DATED:: 2310112026 ORDERI WP.No.2065 of 2026 DISPOSING OF THE WRIT PETITION, WITHOUT COSTS KS e f +lze ,t?*,," O IHE S ( i{'i o I .,,2 t{il"^-- APB 2|l2fi ;z: : ..,.O1,: