Telangana High Court
WP/667/2026 of Vankidi Siddhu Vs Union of India on 8 January 2026
IN THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) THURSDAY, THE EIGHTH DAY OF JANUARY TWO THOUSAND AND TWENIY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO: 667 OF 2026 Between: Vankidi Siddhu, C/O Shivaiah, Age 40 Years, Occ -
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
THURSDAY, THE EIGHTH DAY OF JANUARY
TWO THOUSAND AND TWENIY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION NO: 667 OF 2026
Between:
Vankidi Siddhu, C/O Shivaiah, Age 40 Years, Occ - Pvt Employee, Rl/o. 3-92, Kaidampally, Alladurg [Mandal, l\iledak district, Telangana -502269. PAN- AIAPVs22OB
...PETITIONER
AND
'1 . Union of lndia, Represent by it's Secretary, t\,4inistry of Finance, New Delhi
2. Reserve Bank of lndia (RBl), Represent by its Chief General Manager, 6-1- 65, Secretariat Road, Saifabad, Hyderabad - 500004.
3. IREP Credit capital Pvt. Ltd, Rep. by Principal nodal officer 22nd Floor, Sunshine Tower, S.B. Road, Dadar West, Mumbai - 4OOOr
1..ISSTONDENTS
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 Directlon, more particularly in the nature of Writ of [\/andamus, declaring the action of respondent No. 3 in attempting to recover 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 Bank of lndia Circular dated 'l 2.08.2022 bearing No.RBl/2022-231108, DOR.ORG.REC.65121.04.15812022-23, and further declaring the inaction of respondent No.2 in enforcing the said Circular as unco nstitutio na I 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 measures against the petitioner and to strictly comply with the due process of law and the aforesaid Circular in all recovery proceedings, and further restrain respondent No.3, their agents, recovery agents, executives, managers, or any 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 members, 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 No. 3 for violating legal norms, and pendinq disposal of the writ petition, direct the respondent No- 3 not to resort to any coercive measures against the petitioner except through lawful means and in strict adherence to the Circular daled 12.08.2022.
Counsel for the Petitioner: SRI BONTHU LOKESH PHANINDRA REDDY
Counsel for the Respondent No.1: SRI N.BHUJANGA RAO, Deputy Solicitor General of lndia Counsel for the Respondent Nos.2 & 3: -- The Court made the following: ORDER
I
t
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION No.667 of 2026
Between:
Vankidi Siddhu
... Petitioner
AND
The Union ol lndia,
Represented by its Secretary,
Ministn' of Finance,
Ner,v l)elhi & tt,o others
. . . Respondents
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ORDER:
Heard Sri Bonthu Lokesh Phanindra, Iearned counsel for the pctiLioner and learned Standing Counsel for Central Government appearing for rcspondent No. 1.
3. When the matter is taken up for hearing, learned counsel for petitioner submitted that the issue raised in tiris Writ Petition is squarell' covered by the order passed by this Court in W.P.No. 189 13 of 2024, dated 22.08.2024 and therefore, the same order may be passed in this writ petition as well. The operative portion of the said order reads as under: I
04. oL.2026 2, Despite service of notice, nonc appeared lor remaining respondcnts.
"8. In vie!\ of the above circulars, this Court deems it appropriale to dircct the respondents to cnsure that the agents engaged b] them for recovery o[ the loan amounts, shall strictly lollow the guidclincs an(l instructicns issued by the Reserve Bank of tndia 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 is disposed of. No costs. "
4. Lcarned Standing crounsel for respondent No. I has no objection.
5. Accordingll, in [erms ol the ordcr passed by this Court in Resel:e Bank of India in its Circular dated 12.08.2022 and also the W.P.No. 1 89 13 ol 2O?-4, <latcd 22.08.2024, and for the reasons alike, this Writ Petition is disposed of dirccting the respondent authorities and their agents to scrupulously follou. thc guidelines/ instructions issued by the judgmenls ol Ilon'lrle Supremt' Court in ICICI Bank Ltd. v. Prakash Kaur'ls casc and ICICI Bank v. Shanti Devi Sharma'2s case, rvhilc recovering the loan arnounts from thc pelitioner. No costs. Pending mist cllaneous :rpplications, if ar-ry, shallptand clgsecl. SD/. T. SRINIVASA REDDY ASSISTANT REGISTRAR 1(ano 2 (a.oo scc 7ll gcc 532-
7) a 8)7 \\ ,TRUE COPY' ECTION OFFICER To \ 1 . The Secretary, Union of lndia, Ministry of Finance, \ev,J Oetfri
2. The Chief General Manager, Rese-rve Bank of lndia\EBl), 6-1-65, Secretariat Road, Saifabad, Hvderabad - 500004. 3 One CC to SRt BONIHU LOKESH PHANINDRA RED_DY, Advoeate tOpUCI
4. one cc to SRI N BHUJANGA RAo, Deputy Soricitor Generar or tnaia' joFubl
5. ,Two CD Copies n'*v
HIGH COURT DATED:0810112026
ORDER
WP.No.667 of 2026 DTSPOSING OF THE WRIT PETITION WITHOUT COSTS lab , t THE S o 0 ? r$ ?fltfr J- * 3l I