Telangana High Court
WP/1924/2026 of Chandrapatla Naveen Kumar Vs Union of India on 22 January 2026
IN THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) THURSDAY, THE TWENTY SECOND DAY OF JANUARY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO: 1924 OF 2026 Between: Chandrapatla Naveen Kumar, S/o. Late Siva
[ 3300 I
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
THURSDAY, THE TWENTY SECOND DAY OF JANUARY
TWO THOUSAND AND TWENTY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION NO: 1924 OF 2026
Between:
Chandrapatla Naveen Kumar, S/o. Late Siva Narayana, Age 32 years, Occ;Pvt.
Employee, Ryo. 3-3-160, Guntha Bazar, Pulivendula, Cuddapah, Andhra Pradesh - 516390 PAN NO ARZPC4426G.
.....PETITIONER
AND
'1 . Union of lndia, Represent by its Secretary, IVinistry of Finance, New Delhi.
2. Reserve Bank of lndia (RBl), Represent by its Chief General lt4anager, 6-1- 65, Secretariat Road, Saifabad, Hyderabad - 500004.
3. lclcl Bank Limited, Represented by Chief fi/anager, lClCl Bank Tower. 7th floor, PIot No 12, Survey No. 115127, Nanakramguda, Serilingampally- Rangareddy District, Telangana State - 500032.
4. Kotak Mahindra Bank Limited, Rep by its Principal Nodal Officer Kotak lnfiniti, 4th floor, Zone 1, Bldg No. 21, Infinity Park, General AK Vaidya [\/arg, lVlalad (E), IMumbai - 400097.
j
5. Axis Bank, Rep. by its Nodal Officer Axis Bank Ltd., Hyderabad Circle Office, Abhinandan Towers, 6-3-24913, Road No. '1 , Banjara Hills, Hyderabad -
500034.
6. The South lndian Bank Limited, Rep. by its Principal Nodal Officer SIB Tower, Rajagiri Valley, Kakkanad. Ernakulam, Kerala - 682 039.
7. Poonawalla Fincorp Limited, Repr by its Principal Nodal Officer, 201 and 202, 2nd floor, AP81 , Koregaon Park Annex, Mundhwa, Pune - 41 1036.
8. Early Salary Services Pvt. Ltd., Rep. by its Grievance Redressal Officer 404, The Chambers, Viman Nagar, Pune, 411O14, Maharashtra.
9. RBL Bank, Rep. by its Principal Nodal Officer One World Centre, Tower 28, 9th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai - 400 013, lndia.
.....RESPONDENTS
Petition Under Article 226 of the Constitution of lntli circumstances stated in the affidavit filed therewith, the pleased to issue an appropriate Writ, Order, or Direction, rr nature of Writ of Mandamus, declaring the action of resp r attempting to recover amounts from the petitioner in an arbit handed manner without following the due process of law an I
the Reserve Bank of lndia Circular dated 1210812022 bear 108, OR.ORG.REC.65/21 .O4.15812022-23, and further de,; respondent No. 2 in enforcing the said Circular as unconstit, Articles 14, 19, and 21 of the Constitution of lndia, and c,r respondent authorities to refrain from undertaking any recovery measures against the petitioner and to strictly , process of law and the aforesaid Crrcular in all recovery pr,r restrain respondent Nos.3 to 9, their agents, recover'/
managers, or any person acting on their behalf from en,l intimidation, harassment, humiliation, or intrusion into the p"
or his family members, referees or friends, including pers calls, threatening messages, or physical visits to the petili further direct respondent No. 2 to enforce the said RBI Circ L
and to initiate appropriate and stringent action against tl respondent Nos. 3 to 9 for violating legal norms, and pendir petition, direct the respondent Nos. 3 to I not to resort to ar against the petitioner except through lawful means and in ti1
Circular dated 1 2lOBl2O22.
l praying that in the
High Court may be
rre particularly in the
rdent Nos.3 to I in
ary, illegal, and high-
in blatant violation of
rg No. RBI/2022-23l
rring the inaction of
ional and violative of
rsequently direct the
oercive or unlawful
omply with the due
;eed ings, and further
agents, executives,
lging in any acts of
racy of the petitioner
stent or anonymous
rners premises, and
lar in letter and spirit
e errant officials of
I disposal of the writ
y coercive measures
-igt ad herence to the
Counsel for the Petitioner : SRI BONTHU LOKESH PHANII,J )RA REDDY
Counsel forthe Respondent No.1 : SRI N.BHUJANGA RAO DEPUry SOLICITOR GENERAL OF INDIA
Counsel for the Respondent Nos.2, 3, 4, 6 to 9 : - Counsel for the Respondent No.5 : SRI M.P.KASHYAP
The Courl made the following ORDER
I
I
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION No.1924 of 2O26
Dated: 22.O1.2026
Between:
Sri Chandrapatla Naveen Kumar
,., Petitioner
AND
The Union of lndia & B others
...Respondents
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ORDER:
Sri Bonthu Lokesh Phanindra Rcddy, learned counsel for rhe peLitioner; Smt. NVR Rajyalakshmi, Iearned Standing Counsel for Central Government representing Sri N. Bhujanga Rao, learned Deputy Solicilor General of India, for respondent No.I and Sri M.p. Kashyap, learncd counscl for respondcnt No.5.
2. When the marter is takcn up for hearing, learned counsel for petitiorrer submitted that the issuc raised in this writ petition is squarel-v covered by the order passcd by thrs Court in W.p.No. 18913 of 2024, dated 22.08.2024 and there fore, the same order may be passed in this writ petition as well. The operative portion of the said order reads as I under
!-- \ \. 1 "8. In vicw of the above circulars, th: decms it appropriate to direct the responc ensure that the agents engaged by them for of the loan amounts, shall strictly fo J guideline' and instructions issued by the Bank of India an<l also the judgments of th'r Supreme Court in ICICI Bank Ltd Vs' Kaur's casc (i supra) and ICICI Bank Vs' Devi Sharma's case (2 suPra) Court 3nts to ccovery rw the Reserve flon'blc 'rakash Shanti g. Wttt-r the above direction, the w'rit pt:ition rs disposed o[. No costs."
3. Learned coltnsel lor respondenl Nos l and 5, havr' -ro objection
4. Accordingll", itt lcrms of thc orde r passcd I-r this Court in W.P.No.189i3 of 2024, dated 22.Oa.2024, and for the rr rsor-rs alike, this writ Petition is disposed of dirccting Lhe respondent au ' orities arld their agents to scrupulousll, follorv the guidelines/ instruct ir I is issucd by the Reserve Bank of India in its circular dated 12.o8.2 ) 12 and also the j udgments of Honl:lc Supreme Courl in ICICI Bank Ltd' v' Prakash Kaur'Is case and ICICI Bank v. Shanti Devi Sharn 'a'2s case, while recoverit-tg the loan amounts from the petitioner. No c( I ts' Miscellaneous petitions, if any pending, shall. ;tand closed' u20071 2(2008) SD/. AHI\ ED ABDULLA KHA$ AESI;TANT REGJSTRAR \ 2 SCC 711 7 SCC 532 //TRUE COPY// SECTION OFFICER elhi. , 6-1-65, Secretariat
1. The Secretary, Union of lndia, Ministry of Fina
2. The Chief General Manager, Reserve Bank of Ne,r D (Ft r) Road, Saifabad, Hyderabad - 500004.
3. The Chief Managei, lClCl Bank Limited, lClCl Bank Tr.: ver. 7th floor' Plot No 12, Survey No. llStZl , Nanakramguda, Serilingampall' . Rangareddy District, Telangana State - 500032. +. f6JFiincipal Nodat Officer, Kotak Mahindra Bank Lirri :d, Kotak lnfiniti, 4th. floor, Zond l, Bldg No. 21, infinity Park, General AK Va dya Marg. Malad (E)' Mumbai - 400097. To
5. rheNodaro$l::.t.Il'-.Bil5iit'"?3i["ilt#'"i,"1;t-i't:il;:"":,T:: Abhinandan I owers' o-': e ??303,1n. p a N o d a, on' :o", rlX:nil",[, Hf[i8p[tdff :: ]il, ". , Tf, I' tsT,'"Yil::\ ffj'-3?1";,:ij ; ;;;; i', F i n co rp L i n floor. AP81 , Koregaon P"""'k A;;;;' M'ndhwa' Pune - 41 1036' l:l,l;*":*5,6*,**s'.'**rrdpl*ruru"-
13. Two CD CoPies SA GJP 11'
HIGH COURT DATED:2210112026
ORDER
WP.No.1924 of 2026 DISPOSING OF THE W.P o 0 [ fi:B 2m t \ \ \ rHE S Ta '2a ^-'^q t WITHOUT COSTS. I i I I I I