Telangana High Court
WP/1995/2026 of Michael Marrian Polishetty Vs The Union of India on 23 January 2026
IN THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDE (SPecial Original Jurisdiction) FRIDAY, THE TWENTY THIRD DAY OF JANUARY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA F20:'l Michael Marrian Polishetty, S/o Manian Polishetty Aged about' 36 years' Occ-'
[ 3300 I
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDE
(SPecial Original Jurisdiction)
FRIDAY, THE TWENTY THIRD DAY OF JANUARY
TWO THOUSAND AND TWENTY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
F20
:'l
Michael Marrian Polishetty, S/o Manian Polishetty Aged about' 36 years' Occ-'
Fiir"t" erptoy"e, H.No. iz-nnan RAJVANSH HoME, Flat No' 7, Second floor'
trteai Strivaiayim Temple, Sitaram Nagar , Safilguda,Hyderabad, Telangana-
500056.
.PETITIONER
AND
1. The Union of lndia, Rep. by its Secretary, Ministry of Finance' New Delhi'
2.TheReserveBankoflndia,Rep.byitsChiefChiefManagaer'6'SansadMarg'
New Delhi -1 10001.
3.lclclBank,Rep.byitsChiefManager,PlotNol2Nanakramguda,Gachibowli, Hyderabad, Telangana 500032.
4. AXIS BANK, Rep by its Chief Manager Ground Floor, Sriven Mall, Miyapur- Rd'
JP Nagar, CG Employees Colony, Mayuri Nagar, Miyapur' Hyderabad'
Telangana-500049.
5.sBlCardsandPaymentserviceslimited,Rep.byitschiefManagerDLFlnfinity Towers, Tower C, DLF Cyber City, Gurgaon - 122002'
6.lnduslndBankLtd,RepbyitsChiefmanagel.S.4SS,SardarPatel,Begumpet, Secunderabad -500003.
7. YES BANK, Rep by its Chief Manager Off Western Express Highway'
Santacruz East, Mumbai, Maharashtra - 400055
., ...RESPONDENTS
Petition Under Article 226 ot the constitution of lndia pralng that in the circumstancesstatedintheaffidavitfiledtherewith,theHighCourtmaybepleased to issue an appropriate writ, order or direction more particularly one in the nature of wRlT oF MANDAMUS declaring the action of the respondents in not controlling the agentswhoharassingthepetitionerandhisfamilybytherespondentsNo.3toT
(bank authorities and financial institutions) is illegal, arbitrary, violation of the principles of nalural justice and blatant violation and as well as Rules framed under Reserve Bank cf lndia and the fundamental rights guaranteed under the constitution of lndia consecuently direct the respondents not to harass the petitioner and his family members on the ground of collecting the monthly installment dues and direct respondent no. 3 to 7 to follow circutar dated 12.08.2022 vide RBlt2o22-231108, DOR.ORG. REC.65/21.04.I SB\2OZ2-23 issued by respondent no.2.
counsel forthe Petitioner: Ms. THAKUR MANAswlNl slNGH, ADvocATE FoR
SRI M.KESHAV YADAV
!9u1set forthe Respondent No.1 : Smt N.V.R. RAJYA LAKSHM|, SC FOR
CENTRAL GO\/T RERESENTING SRI N.BHUJANGA RAO, DEPUiY SOLdIOR
GENERAL OF INDIA
Counsel for tho Respondent Nos.2 to Z : -- The Court made the following ORDER
IN THE HIGH COURT FOR,THE STATE OF TELANGANA
AT HYDERABAD
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAI{A
WRIT PETITION No.1995 of 2026
Dated: 23.OL.2O26
Between:
Sri Michacl Marrian Polishetty
...Petitioner
AND
The Union of India & 6 others
...Respondents
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ORDER:
Ms. Thakur Manaswini Singh, learned counsel representing Sri M. Keshav Yadav, learned counsel lor 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.l89l3 of 2024, dated 22.08.2024 and therefore, the same ordemay be passed in this v-,rit petition as well. The operative p<lrtion of the said order reads as under: "8. In view of the above circulars, this Court deems it zrppropriate to direct the respondents to ensure that the agents engagecl by them for re_c_qv*e*ry ,iI
3 LearrLed Standing counser for respondent No.r, has no objection. 4' Acco.dingly, in terms o[ the order passed by this court in w.P.No.l89 13 of 2024, dated 22.og.2024, and for the reasons alike, this writ Petitio e 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 r2.og.2o22 and.arso the judgments of Hon'ble Supreme Court in ICrcI Bank Ltd. v. prakash Kaur'ls car;e and lclcr Bank v. shanti Devi sharmar2s case, wh,e recovering the roan amounts from the petitioner. No costs. Miscr:llaneous petitions, if anv pending, shafl- stand closed. 1(20071 2 SCC 711 2 (2008) 7 SCC s32 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 Sant Ltd Vs. prakash Kau^r'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 ,f. No costs.,, Sd/.L.VIJAYA LAXMI ISTANT REGISTRAR //TRUE COPYII To SECTION OFFICER
1.
2.
3.
4. JP
5. The Chief Manager, SBI Cards and Payment services limited, DLF lnfinity Towers, Tower C, Dtf Cyber City, Gurgaon-^122OO2'
6. The Chief M;;";;induslnd eanf Ltd, 1-8-488, Sardar Patel, Begumpet' Secunderabad -500003'
7. The chief rVrrnrg"i, iES BANK, Off western Express Highway, santacruz East, Mumbai, Maharashtra - 400055'
8. one CC to sCt M.KESHAV YADAV, Advocate [oPUc] - - ---l
9. One CC to SRI N.BHUJANCn'nnO, DEPUTY SOt-lCtfOR GENERAL OF / lNDIA, Advocate [OPUC]
10. Two CD CoPies SAW I PMK t. /
\ t ') HIGH COURT DATED: i2310112026 WP.No.1995 of 2026 DISPOSXNG OF THE W.P WITHOUIT COSTS. ti \ I t o V