WP/38200/2025 of Kadiyala Girija Vs Union of India, on 22 January 2026

1. Union of lndia, Represent by it's Secretary, Ministry of Finance, New Delhi.

2. Reserve Bank of lndia nt by its Chief General Manager, 6-1- 65, Secretariat Road, erabad - 500004

3. Axis Bank, Rep by its Chief Manager Fatepuria Towers, 5141186, Mahatma Gandhi Rd, Kdrbdla Maidan, Rani-Gunj, Hyderabad, Secunderabad' Telangana 500003.

4. SBI Cards and Payments Services Limited (SBl Card,)., Bqp by its Chief Manager, State Bdnk of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queeis Plaza 18382 Queens Plaza SP Road Secunderabad Telangana- 500003.

5. HDFC Bank Limited, Rep by its Chief Manager, No 1/10/60/3, Suryodaya, Begumpet, Hyderabad, Telangana 500016.

6. Dhani Loans and Services Limited, Rep by its Chief Manager, 1/1 E, First Floor, East Patel Nagar, New Delhi-110008.

7. SLICE SMALL FINANCE BANK LIMITED, Rep. by its chief Manager, GaragePreneurs lnternet P!,t Ltd Indiqube_ Ashford Park View, 1st Floor, 80 ft. Rd, Kbramangala 3rd block, Bengaluru - 560034.

8. VlVlFl INDIA FINANCE (P) LTD, Rep. by its Chief Manager tllil Ar 9th Floor, MJR Magnifique, Khajaguda X Roads, Raidurgam, Prashant Hills, Hyderabad, Rai Durg, Telangana 500008.

9. KISETSU SAISON FINANCE PRIVATE LTD., Rep. by its Chief Manager, tnaiQuOe Lexington Tower, First Floor, Tavarekere Main Road, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029.

'l0.Northern Arc Capital Limited, Rep RESEARCH PARK, Kanagam Rd Nadu 6(101 13. bri its Chief Manager, 1oth, llTM Kanagam, Tharamani, Chennai, Tamil 1 1 . lnnofin {iolutions Private Limited, Rep by its Chief Manager, t 006, Tenth Floor, DLH Park S. V. Road, Goregaon West, Mumbai, Maharashtra, lndia - 400104.

12. Whizdm Finance Private Limited, Rep. by its Chief Manager, Su 'tA, The Address Building, Outer Ring Road, Kadubeesanahalli, Bengaluru, Karnataka 560087. rvey No. 17l Bellandur, .....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 in the nature of Writ of Mandamus, declaring the action of respondent Nos.3 to 12 in attempting to rrrcover amounts from the petitioner in an arbitrary, illegal, and high- handed manner without following the due process of law and in blatant violation of the Reserve tlank of lndia Circular daled 12.O8.2022 bearing No. RBI/2022- 23l1OB. DOR ORG.REC.65121.04.15812022-23, and further declaring the inaction of respondent lrlo. 2 in enforcing the said Circular as unconstitutional and violative of Articles 14, 19, and 21 of the Constitution of lndia, and consequently direct the respondent authorities to refrain from undertaking any coercive or unlawful recovery meas ures against the petitioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings' and further restrain resporrdent Nos. 3 to 12, their agents, recovery agents, executives, managers, or irny person acting on their behalf from engaging in any acts of intimidation, harassment, humiliation, or intrusion into the privacy of the petitioner or his family ntembers, referees or friends, including persistent or anonymous calls, threatening messages, or physical visits to the petitioner's premises, and further direct respondent No. 2 to enforce the said RBI Circular in letter and spirit and to initiate appropriate and stringent action against the errant officials of respondent Nos,. 3 to 12 for violating legal norms, and pending disposal of the writ petition, direct the respondent Nos. 3 to 12 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular dated 1 2.08.2022. Counsel for the Petitioner : SRI BONTHU LOKESH PHANINDRA REDDY

Counsel for the Respondent No.1 : SRt ti.gnUJANGA RAO, DEPUTY SOLICITOR GENERAL OF INDIA Counsel for the Respondent No.2 : - Counsel for the Respondent No.3 : SRI M.P.KASHYAP Counsel for the Respondent Nos.4 to 8 : -- Counsel for the Respondent No.9 : Ms. K.RAMYA Counsel for the Respondent Nos.10 to 12: - The Court made the following ORDER

IN THE EIIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAI(A WRIT PETITION No.38200 of 2o25

22. OL .2026 Between: Kadi,vala Girija ...Petitioner AND Union of IndieL, Represented trf its Secretary, Ministry of Finance, New Delhi & 1 1 others ...Respondents oRpE&. I-Icard Sri Bonthu Lokesh Phanindra Reddy, learned counsel for the petitic,ner, Sri N.Bhujanga Rao, learned Deputy Solicitor General of [n,lia, for respondent No.1, Sri M.P.Kashyap, learned counsel for respondent No.3 and Ms l(.Ramya, learned counsel for respondent N<1.9. Perused the record.

2. Despite service of notice, none respondents. I appeared for remaining

'\ \.,

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 the order passed by this Court in w.P.No.18913 0t 2024, dated 22.O8.2024 and therefore' the same order may be passed in this writ petition as well' The operative portion of the said order reads as und'er: \ '8. tn view of the above circulars' this Court deems it appropriate to direct the respondents -to ensut'e th;i the agents engaged by them --fior recoveryoftheloan-amounts,shallstrictlyfollor,v ,ft" gria"lit't" and instructions issued by thc Resei'e Bank of India and also the judgm-enls--of 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)' g. With the above direction' the writ petition is disposed of. No costs'" 'i f,: 6: d_r ; :*i ,, I q.t -t .-I,!,I,I ,: l i

Learned counser for respondent Nos.l, 3 and 9 have no i I I I I I III I I I I I I I I

i objection.

5. Accord'ingly, in terms of the order passed by this Court in W.P.No.18913of2024,dated22'08'2024'andforthereasons alike, this writ petition is disposed of directing the respondent authoritiesandtheiragentstoscrupulouslyfollowthe guidelines/instructionsissuedbytheReserveBankoflndiainits circuia{dated 12.og.2o22 and also the judgments of Honble

To Supreme Court in ICICI Bank Ltd. v. Prakash Kaur'ls case and IcIcI Bank v. shanti Devi sharma'2s case, while recovering the loan am<>unts l'rom the petitioner. No costs. PendinlJ miscellaneous applications, if any, shall stand closed. ./ KARJUNA RAO TANT REGI STRAR /TRUE COPY/ OFFICER The SecretarY , Union of lndia, tvlinistry of Fi Delhi The Chief General lvlanager, Reserve Bank ,6-1-65, Secretariat Road, Saifabzrd, Hyderabad 500004

3. The Chief Manage r, Axis Bank, FatePuria Towers, 5t4t186, Mahatma Gandhi Rd, Karbala tvlaidan, Rani Guni, Hyderabad , Secunderabad, Telangana SA

4. ?fl!t3i", rr/rarrager, SBr cards and paym"r!.si*lces Limite_d (sBl card)., State Bank of l;Ei;'c"tJoit 6"'tt u]-.rit rtiot iC 3D-and 3E 3rd Floor Queens ptaza 1 B 382 <l r6Jn, p r rri_jp R;il 5""., no"rrbld Tela nga na-50000 3'

5. The chief Mr.,il;IoFCeanr ti*it"o, No.1/10/60/3, Suryodava, g;gr*Gt, Hydirabad, Telangana 500016'

6. The Chief fvfr.u!ui Otrani 1oinslni Services Limited' 111 E' First Floor' fait Fater Nagai, New D-elhi-1 10008'

7. The chief rtr",{IgUt, slrcE brunu FINAN.E BANK LlMlrED' Garasepr"n"rHini";ilFfi; r;.i,ft2[.g9ro Cart< View, 1st Floor' 80 ft Rd, Klotrranl;ala 3rd block, B-enoaluru - 5ouur4'

8. The Chief rvranlJ"i, VvrFi ir.rorfElrtrirtrce iel r-r.o' Unit A' 9th Floor' MJR tr/lagnifique, Knaiag-uda X RoaOs,-R"iirtb*)'Prash]nt Hills' Hyderabad' Rai Drt-g, T6langana 500008

9. The chief rvr*irg"i (r6irsu_sAlsoN FINANCE PRIyATE LTD', lndiQube Lexinston rr#;? i,:i iiqqi j;;;A;;" H,tiin noao, ravarekere, s' G' Palva' a"ngitrru, Karnataka 560029'.

10. The Chief M";,i;:'ilJrtn"* nrc Capital Limltgd, 1oth, llTM RESEARCH PARK, Kanagtam Rd, Kanagr*,i[rl"."ni, chennai' Tamil Nadu 600113'

11. The chief Mr;il;;, innotin"sorutio'il piirrib Litnit"d, 1006, Tenth Floor' DLH Park s. v. n."lYE#ffi; W;i' rtilTo"i' trn"r'arashtra' lndia - 400104'

12. The Chief ,r[]s"r, Wfiirom Fl;;# P,i,Jt" r-i'ited, Survev No' 171 1A' The Address erir,JifJ,=d..i,";'Alil'rioro, kroubeesanahaili, Belldndur, Bengaluru' Karnataka 560087'

13. One CC to sriidOmrHu L9KE-SH PHANINDRA REDDY' Advocate IOPUCI

14. One CC to Srii N-eHUiAflCn RAO, Deputy Solicitor General of lndia, Advoceite [OPUCI - rs.one bc to urs. R.nnuVn, Advocate (oPU.c]^..^. io.il; cc io sni M.i.KASHYAP, Advocate (oPUC)

17. Two CD CoPies ofl BS

HIGH COURT DATED:2210112026

ORDER

WP.No.38200 of 2025 DTSPOSING OF THE W.P WITHOUTCOSTS. lHE S ( o C) J.:1 , * 1 2 I'ilq )|l2f,

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