Telangana High Court
WP/1722/2026 of Chelimela Narsimha Goud Vs Union of India on 21 January 2026
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: 1722 OF 2026 .....RESPONDENTS Petition Under Article 226 of lhe
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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: 1722 OF 2026
.....RESPONDENTS
Petition Under Article 226 of lhe 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 1Oin Between:
Chelimela Narsimha Goud, C/o Chelimela Prahaladha Goud Age- 35 years, Occ- Job Searching R/o 28-43, mutyala Basti, Suraram Sai Babu nagar, VTC- Qutubullapur, Medchal- Malkajgiri Telangana- 500055.
.....PETITIONER
AND
'1 . Union of lndia, Represent by its Secretary, Ir/inistry of Finance, New Delhi.
2. Reserve Bank of lndia (RBl), Represent by its Chief General lVanager, 6, Sansad Marg, New Delhi - 110001.
3. SBI Cards and Payments Services Private Limited, Rep-by ils-Principal Nodal Officer, DLF lnfinity Towers, Tower C, 10th-12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon -122002 (Haryana).
4. RBL Bank Ltd,, Rep by its Principal Nodel Officer One World Centre, Tower 28, 9th Floor, B41 , sehapati Baiat tr/arg, Lower Parel West, Mumbai - 400
013, lndia.
5. Bajaj Finance Limited,, Rep by its Principal Nodel Officer A-wing.2nd Floor, Min(ri Business Park, Viman Nagar, Pune, Maharashtra - 411 014-
6. NEWTAP Finance pvt ltd, Rep by its Nodel Officer KP TOWERS' 777A' 4th Floor, 13th Main C6rner, 13th N/ein Road, HAL 2nd Stage, Doopanahalli, lndiranagar, Bengaluru, Karnataka - 560008.
7. L AND T Finance Pvt, Rep by its Grievance Nodal Officer L and T House, N.M. Marg, Ballard Estate, Mumbai - 400 001, Maharashtra, lndia.
attempting to recover amounts from the petitioner in an arbitr: ry, illegal, and high- handed manner without following the due process of law and r blatant violation of the Reserve Bank of India Circular daled 12.08.2022 bealr g No. RBll2022-231
108, DOR.ORG.REC.65/21 .04.15812022-23, and further declrring the inaction of respondent No. 2 in enforcing the said Circular as unconstitLt:nal and violative of Articles 14, 19, and 21 of the Constitution of lndia, and ccr sequently direct the respondent authorities to refrain from undertaking any : rercive or unlawful recovery measures against the petitioner and to strictly : rmply with the due process of law and the aforesaid Circular in all recovery prc r eedrngs, and further restrain respondent Nos. 3 to 10, their agents, recoveq, agents, executives, managers, or any person acting on their behalf from eng: ging in any acts of intimidation, harassment, humiliation, or intrusion into the pri acy of the petitioner or his family members, referees or friends, including per:; ltent or anonymous calls, threalening messages, or physical visits to the petilr ,ners premises, and further direct respondent No. 2 to enforce the said RBI Circ.l ar in letter and spirit and to initiate appropriate and stringent action against ,l e errant officials of respondent Nos. 3 to '10 for violating legal norms, and pendir 3 disposal of the writ petition, direct the respondent Nos. 3 to 10 not to resort to ar y coercive measures against the petitioner except through lawful means and in r,1 ict adherence to the Circular daled 1 2.08.2022.
Counsel for the Petitioner : SRI BONTHU LOKESH PHANtt,J )RA REDDY
Counsel forthe Respondent No.1 : SRI N.BHUJANGA RAO DEpUry SOLICITOR GENERAL OF INDIA
Counsel for the Respondent Nos.2 to 7 : - The Court made the following ORDER
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION No.1722 of 2026
2L.O1.20 26
Between:
Chelimela Narsimha Goud
... Petitioner
AIVD
Union of India,
Represented by its Secretary,
Ministry of Finance, New Delhi & 6 others
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ORDER:
...Respondents Heard Sri Bonthu Lokesh phanindra Reddy, learned counsel for the petitioner and Sri N.Bhujarrga Rao, learned Deputy Solicitor General of India, for respondcnt No. ]. perused the record.
2. When the matter is taken up for hearing, learned counsel for petitioner submitted that the issue raised in thrs writ petition is squarely covered by the order passed by this court in e-' W.P.No.18913 of 2024, d,ated, 22.O8.2024 and therefore, the same -- \ --'G"'i order may be passed in this writ petition as wel . The operative portion of the said order reads as under: "8. ln view of the above circulars, tl is Court dcems it appropriate to direct the rcspr, .dcnts to ensure that (he agents engaged by hent for recovery of the loan amounts, shall str-ic ,l,v iirllolr' the guidelines and instructions issue: b1' the Reserve Bank of India and also the juc 1 ments of the Hon'ble Supreme Court in ICICI Barr < Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra). .
9. With the above direction, thc n,ril )ctitron rs disposed o[. No costs. "
3. Learned Depr:ty Soliciior General of Indr: for respondent No.1 has no objt:ction.
4. Accordingly, in terms of the order passed )y this Court in W.P.No.1B9 13 ol 2024, dated 22.08.2024, anr. for the reasons alike, this writ petition is disposed of directirlf the respondent authorities and their agents to scrupLllor s1y fo'l1olr, the guidelines/ instr-uctions issued by the Reserve B: nk of India in its Circular dated 12.08.2022 and also the judgrrents ol Hon'ble Supreme Court in ICICI Bank Ltd. v. Prakash Iaur'rs case and ICICI Bank v. Shanti Devi Sharma'2s case, u'r le recovering the loan amounts from the petitioner. No costs. r (2007) 2 scc 711 , (2008) 7 SCC 532
closed. Pending miscellaneous applications, if any, sha.ti stand SD/- C.DEEPIKA SISTANT REGIST //TRUE COPY// ION OFFICER elhi To a B ), 6, Sansad Marg, New Delhi - 110001
3. The PrinciPal Nodal Officer, SBI Cards and PaYments Services Private Limited, DLF lnfinitY Towers, Tower C, '1oth-'12th Floor' Block 2, Building 3, DLF Cyber City, Gurg aon -122002 (Haryana)
4. The Principal Nodel Officer, RBL Bank Ltd, One World Centre, Tower 28, 9th Floor, 841, SenaPati BdPat Marg, Lower PareI West, tr/lumbai - 400 0'13' lndia
5. The PrinciPal Nodel Officer, Bajai Finance Limited, A-wing 2nd Floor, Mantri Business Park, Viman Nagar, Pune, Maharashtra - 411 014
6. The Nodel Officer, NEWTAP Finance Pvt ltd, KP TOWERS, 7774, 4th Floor' '13th Main Corner, 13th Main Road, HAL 2nd Stage, DooPanahalli, lndiranagar, Bengaluru, Karnataka - 560008
7. The Grievance Nodal Officer, L AND T Finance Pvt, L and T House, N.M lv'larg, Ballard Estate, Mumba i - 400 OO1, Maharashtra, lndia B. One CC to SRI BONTHU LOKESH PHANINDRA REDDY, Advocate [OPUC] RAO, DEPUTY SOLICITOR GENERAL OF
1. The Secretary, Union of lndia, Ministry of Finance'
z. rii" cr'Giceneral Manager, Reserve Bank of lndi
9. One CC to SRI N.BHUJANGA lNDlA, Advocate [OPUC]
10. Two CD CoPies SA GJP Il ----7 I
HIGH COURT DATED:2110112026
ORDER
WP.No.1722 ot 2026 DISPOSING OF THE W.P WITHOUT COSTS. ]AIE o _!. JA|l ?$2$ I oo t o 8"b