Telangana High Court
WP/34755/2025 of Dasari Ramakrisna Vs Union of India on 6 January 2026
IN THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction) TUESDAY, THE SIXTH DAY OF JANUARY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO: 34755 OF 2025 Between: AND 1 2 Dasari Ramakrisna, S/o Dasari Ramana, Age-
IN THE HIGH COURT FOR THE STATE OF TELANGANA
AT HYDERABAD
(Special Original Jurisdiction)
TUESDAY, THE SIXTH DAY OF JANUARY
TWO THOUSAND AND TWENTY SIX
PRESENT
THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA
WRIT PETITION NO: 34755 OF 2025
Between:
AND
Dasari Ramakrisna, S/o Dasari Ramana, Age- 24 Years, Occ- pvt Emp, R/o -1- 34, Uddavolu, Garugubilli, Vizianagaram, Andhra Pradesh - 535463
...PETITIONER
o
Union of lndia, Represent by it's Secretary, N/inistry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General [Vlanager, 6, Sansad Marg, New Delhi - 110001
ft.QlQ S1nt< Limited, Rep. by its Chief [\/anager, Gr Flr, Sunny Ptaza, No 3161728, B1 and 2, Narayanguda, Hyderabad, Telangana 500b29
CapFloat Financial Services Pvt.Ltd, Rep by its Chief f\ilanager, 4th Floor, S B
Towers, 6-3-354, Rd Number 1, It/othi Nagar, Dwarakapuri, Banjara Hills, Hyderabad, Telangana 500034
Karur Vysya Bank Ltd, Rep by its Chief Manager FgVs plus PGC, PLOT
NOS.46 TO 49, Madhava Nagar Colony Kandi Complex, Near Sai Ranga Theatre, Miyapur, Hyderabad - 500049
SBI Cards and Payments Services Limited, (SBI Card). Rep. by its Chief N/lanager, DLF Cyber City, Tower C,Block 2, Building 3 DLF lnfinity Towers, 'l2th Floor, Gurugram, HR - 122002
NAVI FINSERV Ltd, Rep. by its Chief [Vanager 2nd Floor, Vaishnavi Tech Square, lballur Village, Begur Hobli, Bangalore, Karnataka - 560i 02
Kotak [\/ahindra bank Ltd, Rep. by its chief lVlanager Ground Floor - Office No 103, Premier Building, Plot No 35,36,41 and 42 Survey No 76, Madhapur Village, Senilingampally, Mandal, Hyderabad, Telangana 500081
AXIS BANK, Rep by its Chief Manager Ground Floor, Sriven tVlall, Miyapur Rd, J P Nagar, CG Employees Colony, [\/ayuri Nagar, Arliyapur, Hyderabad, Telangana 500049
10.Whizdm Finance Private Limited, Rep- by its Chief Manager, Survey No. 17l 1A, The Address Building, Outer Ring Road, Kadubeesanahalli, Bellandur, Bengaluru, Karnataka 560087
11. KRAZYBEE Services Pv't Ltd,, Rep. by its Chief Manage Park, No. 100, Sakshi Nagar, Pai Layout, Bennigana H a Karnataka - 560016
12. Branch lnternational Financial Services Pvt Ltd, Rep. b I
Plot C-20, G Block, Near MCA, Bandra Kurla Complex, I
NIH 4000s1
13. Sl Creva Capital, Rep. by its Chief Manager 1Oth Floor, Park, LBS [,4arg, Kurla West, lvlumbai, Maharashtra 40()
14. HDB Financial Services Limited,, Rep- by its Chief Marz Zenith House, Keshavrao Khadye Marg, l\Iahalaxmi, 1,4.t
15. Early Salary Services Pfi Ltd, Rep. by its Chief Managrr Chambers Viman Nagar Na, Pune, Pune, Maharastra - Petition under Article 226 of the Constitution of lnc i circumstances stated in the affidavit filed therewith, the pleased to issue an appropriate Writ, Order, or Direction, rl nature of Writ of Mandamus, declaring the action of respc r attempting to recover amounts from the petitioner in an arbitt handed manner without following the due process of law an I
the Reserve Bank of lndia Circular dated 12.08.2022 bezr 108, DOR.ORG.REC.65/2'1 .O4.15812022-23, and further de r respondent No. 2 in enforcing the said Circular as unconstitt Articles 14, 19, and 21 of the Constitution of lndia, and cr respondent authorities to refrain from undertaking any recovery measures against the petitioner and to strictly process of law and the aforesaid Circular in all recovery pr r restrain respondent Nos. 3 to 15, their agents, recovery managers, or any person acting on their behalf from en; 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 respondent No. 2 to enforce the said RBI Circ t and to initrate appropriate and stringent action against t respondent Nos. 3 to 15 for violating legal norms, and pendir petition, direct the respondent Nos. 3 to 15 not to resort to err ', The Royal Stone li, Bengaluru, ts Chief [Manager iandra East, Mumbai, Tower.4, Equinox t70.
3er, Ground Floor,
nbai - 400034
, Unit No. 404, The
t11014.
...RESPONDENTS
r praying that in the
High Court may be
rre particularly in the
Cent Nos. 3 to 15 in
a ry, illegal, and high-
in blatant violation of
rT No. RBI/2022-23l
laring the inaction of
ional and violative of
rsequently direct the'
,oercive or unlawful
omply with the due
;eed ings, and further
agents, executives,
rging in any acts of
racy of the petitioner
stent or anonymous
rner's premises, and
lar in letter and spirit
re errant officials of
g disposal of the writ
y coercive measures
against the petitioner except through lawful means and in strict adherence to the Circular daled 1 2.O8.2022.
Counsel for the Petitioner:SRl. BONTHU LOKESH PHANINDRA REDDY
Counsel for the Respondent No 1: N BHUJANGA RAO beputy Solicitor General of lndia Counsel for the Respondent No 7 : MS SHEETAL SRIKANTH
Counsel for the Respondent No 9: SRI M.P KASHYAP
Counsel for the Respondents No 2 To 6 & 8, 10 To 14: -- The Court made the following: ORDER
IN THE HIGH COURT FOR THE STATE OF Tt LANGANA
AT HYDERABAD
THE HON'BLE SRI JUSTICE NAGESH BHEE MAPAKA
WRIT PETITION No.34755 OF 2O2a
DATE OF ORDER: 06.01.2026
Between:
Dasari Ramakrisna
... Petitioner
AND
Union of lndia,
Represented by it's Secretary,
lVlinistry of Finance, New Delhi and fourteen others . . Respondents
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ORDER
Heard Sri Bonthu Lokesh Phanindra, learne i counsel for the petitioner, Sri N.Bhujanga Rao, learned Deputy Scl :itor General of lndia, for respondent No.1, [/ls Sheetal Srikanth, :arned counsel for respondent No 7 and Sri I\4P Kashyap, learr =d counsel for respondent No.9
2. Despite service of notice, none appeare: for remaining respondents
3. When the matter is taken up for hearing, lee r red counsel for petitioner submitted that the issue raised in this '/Vrit Petition is squarely covered by the order passed by this Court in
:-EK,] W P No.18913 of 2024, dated 22.08.2024 and therefore. the same order may be passed in this writ petition as well. The operatrve portion of the sErd order reads as under: '8. ln view of the above circulars, this Court deems it appropriate to dtrect the respondents to ensure that the agents engaged by them for recovery of the loan amounts, shall stricfly follow the guidelines and rnstructjons issued by the Reserve Bank of lndia and also the judgments of the Hon,ble Supreme Court in lClCl Bank Ltd Vs. prakash Kaur,s case (1 supra) anJ lClCl Bank Vs. Shanti Devi Sharma,s case (2 supra)
With the above direction, the writ petition is drsposed of. No costs. "
4. Learned Standing counsel for respondent No.1 and learned counsel for respondent Nos.7 and g have no objection.
5. Accordingly, in terms of the order passed by this Court in W.P.No.'l 8913 of 2024, dated 22.08.2024, and for the reasons alike, this Writ Petition is disposed of directing the respondent authorities and their agents to scrupulously follow the guidelines/instructions issued by the Reserve Bank of lndia in its Circular dated 12.08.2022 and also the judgments of Hon'ble Supreme Court in lClCl Bank Ltd. v. prakash Kaur,ls case and lClCl Bank v. Shanti Devi Sharma,2s case, while recovering the loan amounts from the petitioner. No costs. I(2007)2scc7rI '(zoosi z scc ::z
J Pending miscellaneous applications, if any shall stand closed SD/- i,.SRlN|VASA REDDY ASs ISTANT REGISTR4B ---<- , \------- To, //TRUE COPY// \* CTION OFFICER
1. The Secretary, Ivlinistry of Finance, Union of lndia, Nevr felhi
2. The Chief General lvlanager, Reserve Bank of lndia (R! ), 6, Sansad fii'larg, NewDelhi - 110001
3. One CC to SRl. BONTHU LOKESH PHANINDRA REt) )Y, Advocate loPUCl
4. One CC to SRl. N. BHUJANGA RAO Deputy Solicitor (l )neral of India, loPUCl
5. One CC to SRI M.P . KASHYAP, Advocate [OPUC]
6. One CC to Ir4S SHEETAL SRIKANTH, Advocate [OPIJ ]l
7. Two CD Copies DAN
HIGH COURT DATED:0610112026
ORDER
wPrNo.34755 0f 2025 DISPOSING OF THE WRIT PETITION WITHOUT COSTS IHE SI476 I)
JAN
C) ,J