Telangana High Court
WP/1672/2026 of M Sanavulla Khan Vs Union of India, on 21 January 2026
COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) WEDNESDAY, THE TWENTY FIRST DAY OF JANUARY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO: 1672 OF 2026 [ 3300 ] lVladharkhan Gari Jabbar Khan, Age 46 years, Occ; Pvt.
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
WEDNESDAY, THE TWENTY FIRST DAY OF JANUARY
TWO THOUSAND AND TWENTY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION NO: 1672 OF 2026
lVladharkhan Gari Jabbar Khan, Age 46 years, Occ; Pvt.
Gareeb Nagar, Atmakur, Kurnool, Andhra Pradesh -
.....PETITIONER
Between:
lt/. Sanavulla Khan, S/o.
Employee, R/o.1-16-38,
518422.
AND
1. Union of lndia, Represent by it's Secretary, IMinistry 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. HDFC Bank Limited, Represented by its Nodal Officer Bth Floor, HDFC Bank House, Road No.1, Banjara Hills, Hyderabad - 500 034.
4. RBL Bank Limited, Rep by its Nodal Officer RBL Bank Ltd., D.No. 6-3-865, Ground FIoor, Home Jupally, Opp- to Green Park Hotel, Green Lands, Hyderabad - 500016.
5. YES BANK, Rep by its Principal Nodal Officer, YES BANK (louse, Off Western Express Highway, Santacruz East, [/umbai - 400055.
6. SMFG lndia Credit Company Limited, Principal Nodal Officer, S[,/FG lndia Credit Co. Ltd., Ground Floor, Embassy 247, Gandbi Nagar, LBS tvlarg, Vikhroli West, firlumbai - 400083.
7. lClCl Bank Limited, Represented by Principal Nodal Officer, Bandra-Kurla Complex, Mumbai - 400051, lNDlA.
B. SBI Cards and Payments Services Private Limited, Rep by its Principal Nodal Officer, DLF lnfinity Towers, Tower C, 10th-'12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon -122002 (Haryana).
9. Bajaj Finance Limited, Rep by its Principal Nodal Officer, Bajaj Finance Limiied, A-wing 2nd Floor, lVlantri Business Park, Viman Nagar, Pune, Maharashtra - 411 014.
l0.Piramal Finance Limited, Rep by its Principal Nodal Offic rr 1st Floor, Amiti Building, Agastya Corporate Paik, Kamani Junction, OpP Fire Station, LBS
Marg, Kurla (W), Mumbai - 400070.
11. Krazybee Services Private Limited, Rep by its Principal I odal Officer _
KrazyBee Services Limited,3rd Floor, No. '12819, Marut' Sapphire, HAL Old Airport Road, Murugesh Palya, Bangalore - 560017.
'12. EarlySalary Services P!t. Ltd, Rep by its Grievance Retl essal Officer 404, The Chambers, Viman Nagar, Pune, 41 101 4,lttlaharashlt a.
13. Northern Arc Capital Limited, Rep by its Grievance Redr rssal Officer Northern Arc Capital Limited, 1Oth Floor, llTM Research Park, 1 l( tnagam Village, Taramani, Chennai 600 1 13, Tamil Nadu, lndia.
'14.True Credits Private Limited, Rep by its Grievance Redrr ssal Officer Huda City Centre Metro Station, 5th Floor, Sector - 29, Gurgac r, Haryana - 122001 , lndia.
.....RESPONDENTS
Petition Under Article 226 of the Constitution of lndi circumstances stated in the affidavit filed therewith, the pleased to issue an appropriate Writ, Order, or Direction, nt, nature of Writ of lvlandamus, declaring the action of respo "
attempting to recover amounts from the petitioner in an arbi r handed manner without following the due process of law anrl the Reserve Bank of lndia Circular dated 12.08.2022 bea'i 108, DOR.ORG.REC.65/21.04.15812022-23, and further dec respondent No. 2 in enforcing the said Circular as unconstitu Articles 14, 19, and 21 of the Constitution of lndia, and crr respondent authorities to refrain from undertaking any r recovery measures against the petitioner and to strictly r process of law and the aforesaid Circular in all recovery prtr restrain respondent Nos. 3 to '14, their agents, recovery'
managers, or any person acting on their behalf from enr; intimidation, harassment, humiliation,or intrusion into the pti or his family members, referees or friends, including pers calls, threatening messages, or physical visits to the petit r further direct respondent No. 2 to enforce the said RBI tirc.r and to initiate appropriate and stringent action against :l respondent Nos. 3 to '14 for violating legal norms, and pend t petition, direct the respondent Nos. 3 to 14 not to resort to z I
r praying that in the
ligh Court may be
re particularly in the
ient Nos. 3 to 14 in
rry, illegal, and high-
in blatant violation of
rg No. RBI/2022-23I
aring the inaction of
ional and violative of
rsequently direct the
oercive or unlawful
omply with the due
;eedings, and further
agents, executives,
rging in any acts of
,acy of the petitioner
stent or anonymous
ner s premises, and
ar in letter and spirit
e errant officials of
g disposal of the writ
y coercive measures against the petitioner except through ra*fur means and in strict adherence to the Circular dated 12.08.2022.
Counset for the petitioner : SRI BONTHU LOKESH PHANINDRA REDDY
Counset for the Respond_el!j{o.i : SRt N.BHUJANGA RAO, DEpUry SOLICITOR GENERAL OF INDIA
Counsel for the:Respondent Nos.2 to 14 : _
The Court made the following ORDER
il
I
IN THE HIGH COURT FOR THE STATE OF T: LANGANA
AT HYDERABAD
THE HONOURABLE SRI JUSTICE NAGESH BHI )EMAPAKA
Between:
M Sanavulla Khan
...Petitioner
AND
Union of India,
Represented by its Secretary,
Ministry of Finance, New Delhi & I3 others
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ORDER:
,.. lespondents Heard Sri Bonthu Lokesh phanincira Reddy, le: rned counsel for the petitioner and Sri N.Bhujanga Rao, 1e: r ned Deputy Solicitor General of India, for respondent No.1. Derused the record
2. When the matter is taken up for hearing, learnr: I counsel for petitioner submitted that the issue raised in this wr t petition is squarely covered by the order passed by tl_r r Court in W.P.No.18913 of 2024, d,ated 22.O8.2024 and therelo.e, the same t] WRIT PETITION No. t672 of Z(! )6 2L.OL.2026 l I
order may be passed in this writ petition as well. The operative portion of the said order reads as under: "8. In ''riew of tne above circulars, this Court deems it appropriate to direct the respondents to ensure that the agents engaged by them lor recovery of the loan amounts, sha1l strictly fo11ow the guidglines and instructions issued by the Reserve Bank of lndia and also the judgments 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).
9. With the above direction, the writ petition rs disposed of. No cos ts. "
3. Learned Deputy Solicitor Generai of India for respondent No. t has no objection. 112007)2scc711 , [2008) 7 scc 532 \
4. Accordingly, in terms of the order passed by this Court in W.P.No.18913 of 2024, dated 22.08'2024, and for the reasons alike, this writ petition is disposed of directing the respondent authorities arrd their agents to scrupulously fol1ow the guidelines/instructions issued by the Reserve Bank of India in its Circuiar dated 12.08 .2022 and also the judgments of Hon'bie Supreme Court in ICICI Bank Ltd. v. Prakash Kaur'ls case arld ICICI Bank v. Shanti Devi Sharma'2s case, while recovering the loan amounts from the petitioner. No costs.
clo sed. Pending miscellaneous applications, if any. s hall stard SD/..C. DEEPIKA //TRUE COPY// ASSIS T \NT REGISTRAR \\ l--/ To r;Ecrtou oFFlcER
1. The Secretary, Union of lndia' Ministry-of Finance' Na'v [) 'lhi' r rhe chief General M""';;;:h';'t'#Ja-;nk of lndia (RBIr 6-1-65' secretarrat . m:m**'1;l'-i3'f3Bu;i"'#'fu *n Froor' HDFC'iank House Road ; +*-:s:it+IJf ma..,Xi;'*'"L'i,3:l*l,..'o ' o 'o 6-3-865 Ground Floor. Home Jupallv, orill"iE'i"tjl p'irt'ir"t"t' Green L: rds Hvderabad - o ??3%..?;"'oar Nodar orricer, YES F+IlJis ?#'1-t'o" :' off western : +iBE,iJl,$ x,:h al+n";l'.e*tt [:u's];fl "'1ii" a n 1 Lr m it ed,ssF 9, -^ rndia credit co. l-,o olXX"io'Hffi 'ill;tv )q ' can(-i i Nasar' LBS Mars' viir"ori w".t, Mumbai - 4ooo83' 7 rhe Principal Nodal orrc]liLjcr Bank Limited' Bandra'' 'urla Complex' ' triumbai - 400051 , lNDr^
8. The Principal Nodal Otiler' Sef Cards and P.1YI:ntt Se -vices Private Limited, DLF lntinitv 'tiilE['"r1'7";c' iot'-rzin Floor' E lock 2' Buildins 3' rji-i'cio"icitv. Gursaon -122oo2-(Harya11l:'.^^ s ihl i,i iJ i, "'r'ri o a a r .q+l;?:f i,:rufl.:,1*:8, : ?i I'J:ft:".", :i[lil?i i,, winq 2nd Floor, Mantri
014.
10. The Principal Nodal-Officer' Piramal Finance Limited '1 : Floor' Amiti Building' Aoastva corporate "'illi[it'?':ilti"iiion' opp Fire S'; tion' LBS Marg' ,, I H I ifHit #i Uii 1.fi !3 i'rr t*a * m ffi ffi I : r,tT #Trffi; Services Limited, 3rd Road' Murugesn t"''3;8fl133ff:;?1iliii Redresr i I officer 404' rhe 1 2. The Grievance' EarlYl '' Ch;;;;t" v;*3n 1!!""i 6une 411014' *un"1t[t13, Officer Northern Arc .ts Yn" iii"*""e. r'lorf'Ein'nrc Capital Limited' Re caDital Limited, rotn ii"tl'rrr"rt'r'i"tt"ih pu*' 1 Kar' qam Village' i;I;;;;i' ch;hnai 600 113' raml N.'.dq: rld'3:
14. The Grievan"", r"" "c"'"iiit eiu't" r-i'i!"^a'Rerlress t officer Huda City centre Metro station'"sfi"r'iofi' 5"it"i - zs"Gurgaort r laryana - 122oo1' l:,slf :eSi3l5:#Uift 3['&t:Hl$$l?.$trirx#r-?s'1"3P'r
17. Two CD CoPies SA GJP
HIGH COURT DATED:2110112026
ORDER
WP.No.1672 of 2026 DISPOSING OF THE W.P WITHOUT COSTS. l€ r) C) :g JAt{ ?[M .;) !. 1...: ,4a--:: '. lrrt\E 5rA ) \ w