WP/36568/2025 of Mallesh Bapu Reddy Vs Union of India on 7 January 2026

1. Union of lndia, Represent by il's Secretary, t\/inistry of Finance, New Delhi.

2. Reserve Bank of lndia (RBl), Represent by its Chief General ltrlanager, 6-1- 56, Secretariat Road, Saifabad Hyderabad-SO0 004.

3. lClCl Bank, Rep. by its Chief Manager, lClCl Bank Towers, Financial Dist, Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032.

4. SBI Cards and Payments Services Limited (SBl Card), Rep. by its Chief lt/tanager, State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 18382 Queens Plaza SP Road Secunderabad Telangana500003.

5. AXIS BANK, Rep by its Chief lt4anager Fatepuria Towers, 5141186, fi,4ahatma Gandhi Rd, Karbala Maidan, Rani Gunj, Hyderabad, Secunderabad, Telangana 500003.

6. HERO FINCORP Limited., Rep. by its Chief lVlanager, A-44, Ir,4ohan Cooperative lndustrial Estate, ft/lathura Road, New Delhi - 110044.

7. AU Small Finance Bank Limited., Rep. by its Chief Manager, 56A, Hemanta Basu Sarani, Stephen House, BBD Bag, Kolkata - 700001.

8. INDUSIND Bank Limited, Rep by its Chief lt/anager 1-248, Upper Ground Floor, lvliyapur Cross Roads, Bollaram, Telangana 500052.

9. ONE CARD, Rep. by its Chief Manager, Disha Bldg, Sy.No. 127, l\4ahavir Park, Pune, l\,4aharastra - 411045. .....RESPONDENTS

,*.ry Petition Under Article 226 of the Constitution of lnrl circumstances stated in the affidavit filed therewith, the pleased to issue an appropriate Writ, Order, or Direction, rr nature of Writ of [t4andamus, declaring the action of respr r attempting to recover amounts from the petitioner in an arb t handed manner without following the due process of law anc the Reserve Bank of lndia Circular daled 12.08.2022 bt 231108, DOR ORG.RE C.65121 .04.15812022-23, and further of respondent No. 2 in enforcing the said Circular as uncon j of Artlcles '14, 19, and 21 of the Constitutron of lndia, and cc respondent authorities to refrain from undertaking any recovery measures against the petitioner and to strictly process of law and the aforesaid Circular in alI recovery pr: restrain respondent Nos. 3 to 9, their agents, recovery' managers, or any person acting on their behalf from en 3 intimidation, harassment, humiliation, or intrusion into the pr or his family members. referees or friends, including pers calls, threatening messages, or physical visits to the peti i further direct respondenl No. 2 to enforce the said RBI Cirt r and to initiate appropriate and stringent action against t responient Nos. 3 to 9 for violating legal norms, and pend r petition, direct the respondent Nos. 3 to g not to resort to u I against the petitioner except through lawful means and in r Circular dated 12.08.2022. r praying that in the High Court may be rre particula rly in the dent Nos 3 to 10 in ary, illegal, and high- in blatant violation of aring No. RBll2022- lecla ring Lhe inaction tutio nal and violative nsequently direct the :oercive or unlawful omply with the due ;eedings, and fu rther agents, executives, tging in any acts of uacy of the petitioner stent or anonymous rner's premises, and lar in letter and spirit e errant officials of 3 disposal of the writ y coerctve measures 'ict adherence to the Counsel for the Petitioner : Ms MIRYALA ANUSHA Counsel forthe Respondent No.1 : SRI N.BHUJANGA RA() DEPUW SOLICITOR GENERAL OF INDIA Counsel for the Respondent Nos.2 to 6, 8 & 9 : - Counsel for the Respondent No.7 : SRI A.PARSHARAM 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.36568 of 2025

07. oL.2026 Between: Mallesh Bapu Reddy ... Petitioner AND Union of India, Represented by its Secretary, Ministry of Finance, New Delhi & 8 others OREER: ...Respondents Heard Ms.Miryala Anusha, learned counsel for petitioner, Sri N.Bhujanga Rao, learned Deputy Solicitor General of India, for respondent No.1 and Sri Andhrarapu parsharam, rearned counsel for respondent No.7. Perused the record.

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

J'Yhen the matter is taken up for hearing, learned counsel for petitioner submitted that the issue raised in th I Writ Petition rs squa-rely covered by the order passed b1' this Court in W.P.No.189 13 of 2024, dated 22.08.2024 and tl-r refore, the same orllcr.inav be passe d in this writ petition as Ir c rL. Th: trperc'tive portion of the said order reads as under: "8. In view of the above circulars, I 'ris Court deerns it appropriate to direct the resJ ( ndents to ensure Lhat the agents engaged bl' therr for recovery of the loan amounts, shall sLI i :tly follou' the guidclines and instructions issu: I by thc Reserwe Bank ol India and also the ju:3ments of the Hon'ble Supreme Court in ICICI Bat k Ltd Vs. Prakash Kaur's case (1 supra) and ICICI Bank Vs. Shanti Devi Sharma's case (2 supra).

With the above direction, the n'ri disposed of. No costs." 3ct1t1on ls

4. Learned counsel for respondent Nos. 1 Lt-td 7 have no objection.

5. Accordingly, tn terms of the order passed b1' this Court in W.P.No.1B9 13 of 2024, dated 22.08.2024, anrl for the reasons alike, this writ petition is disposed of directin; the respondent guidelines/instructions issued by the Resetwe B: nk of India in its Circular dated 12.08.2022 and also the judgr Lents ol Hon'ble authorities ar-rd their agents to scrupulc t sly fo11or," the .

Supreme Court in ICICI Bank Ltd. v. prakash Kaur,ls case ald ICICI Bank v. Shanti Devi Sharma,2s case, r,vhile recovering the loan amounts from the petitioner. No costs. Pending miscellaneous applications, i.f any, shalt stand closed. cc 711 cc 532 SD/. C. DEEPI A SISTANT REG R ,TRUE COPY// 1 . The Secretary, Union of lndia' Ministry of Finance, e De ECTION OFFICER thi.

2. The Chief General Manager, Reserve Bank of lndia l), 6-1 -56, Secretariat Road, Saifabad HYd erabad-500 004

3. The Chief [\/anager, lClCl Bank, lClCI Bank Towers, Financial Dist, Plot No 12 Nanakramguda, Gachibowli, HYd erabad, Telangana 500032

4. The Chief [,4anager, SBI Cards and PaYments Services Limited (SBl Card)' State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Queens Plaza 1 8382 Queen s Plaza SP Road Secund erabad Telangana500003

5. The Chief Manager, AXIS BANK, FatePuria Towers, 5/4/1 86, Mahatma Gandhi Rd, Karbala Maidan, Rani Guni, HYderabad, Secunderabad, 1(2007) 2 S 2(2008) 7 s To

6.

7. B.

9. '10

Telanoana 500003. il5i'r;#M;;rqJi, Hrno FINCoRP Limited ' A-44' tVlohan cooperative til"rili;I'i;i;i;ltlrt," Road New Delhi -'1'10044 - ti',",icii[t-rtritiui"r, nu stJriEi"u"C" Bank Limite^9 ' 564' Hemanta Basu ;;;;";i";;;;"nor'" BBD Bas Kolkata - 70000r '. . if,".'c'niliiir'""q"i,lNousi-N6*d'nI Li''t"o- -1--248' upper Ground Floor' ui;r;;;t;;;;;i;d i, Borraram relansana 50-00.q2 . . +i'""Eti";il;;;;;, oNE cnno. o-i'nialds' Sl, No 127' tr/ahavir Park' Pune. lVlaharastra - 41 1045 b;; dCi;"rr;;. rvt-tRYnrn ANUSHA, Advocate t^oJYg,l one cc to SRI N.BHUJANLiFIo,'DEpuii bortctroR GENERAL oF lNDIA. Advocate [OPUC] b.n"e'ic'!, 6"Ri nlFnnsHnnnN'4 Advocate ( oPuc) 1 3. Two CD CoPies SA GJP \y ir {r

HIGH COURT DATED:0710112026

ORDER

WP.No.36568 of 2025 DISPOSING OF THE W.P ,- --- I tg tAt{ ?g?E * i )PAI.:

n \\ WITHOUT COSTS. I l I (-