WP/35788/2025 of Nokku Naveen Kumar Vs Union of India on 6 January 2026

IN THE HIGH COURT FOR THE STATE OF AT HYDERABAD TELANGANA (Special Original Jurisdiction) TUESDAY, THE SIXTH DAY OF JANUARY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA WRIT PETITION NO: 35788 OF 2025 Between: Nokku Naveen Kumar, S/o. Nokku Musalayya, Age- 37 years, Occ- Pvt. Employee, R/o- S C Colony, Donkada Post, Visakhapatnam, Andhra Pradesh -

,1 26 PAN NO. APYPN196K. ...PETITIONER AND

Union of lndia, Represent by its Secretary, lVinistry of Finance, New Delhi Reserve Bank of lndia (RBl), Represent by its Chief General Manager, 6-1- 65, Secretariat Road, Saifabad, Hyderabad - 500 004 HDFC Bank Limited, Rep by its Chief Manager, No 1/10/60/3, Suryodaya, Begumpet, Hyderabad, Telangana 50001 6 State Bank of lndia, Rep by its Chief Manager, NEAR, PLOT NO 11 AND 12, JAYABHARATHIS KALPANA COMPLEX, IUIYAPUR X ROAD, Hyderabad, Telangana 500049 SBI Cards and Payments Services Limited (SBl Card), Rep. by its Chief Manager, State Bank of lndia Credit Cards Unit Nos 3C 3D and 3E 3rd Floor Oueens Plaza 18382 Queens Plaza SP Road Secunderabad Telangana500003 Karur Vysya Eank Limited, Rep by its Chief Manager, F9V5 (plus) PGC, PLOT NOS.46 TO 49, tr/adhava Nagar Colony Kandi Complex, Near Sai Ranga Theatre lv1iyapur, Hyderabad - 500049 CapFloat Financial Servrces Private Limited, Rep byjts Chief ltrlanager New No. 3 (Old No. 211), Gokaldas Platinum, Upper Palace Orchards, Bellary Road, Sadashiva Nagar, Bengaluru - 560080. YES BANK, Rep by its Chief [\/anager Ground Floor, Shop No.11, 77, NH 65, Gouthamsi Nagar Colony, Jawahar Colony, Chanda Nagar, Hyderabad, Telangana 500050 lClCl Bank, Rep. by its Chief Manager, lClCl Bank Towers, Financial Dist, Plot No 12 Nanakramguda, Gachibowli, Hyderabad, Telangana 500032

I

10. Axis Bank, Rep by its Chief lvlanager Fatepuria Towersr, Gandhi Rd, Karbala lt/aidan, Rani Gunj, Hyderabad, S,: Telangana 500003 1 1. RBL Bank, Rep. by its Chief Manager Shop no 5-411O t floor, Chanda Nagar, Hyderabad, Telangana 500050

12. IDFC FIRST Bank Limited, Rep by its Chief [\,4anager, i! chambers, No '1 -10-63/1/1 , opposite Shoppers Stop, Cl- Begumpet, Hyderabad, Telangana 500016

13. HERO FINCORP Limited, Rep- by its Chief lVlanager-, i\ Cooperative lndustrial Estate, tt/aihura Road, New D'elr

14. INDUSIND Bank Limited, Rep by its Chief lVlanager 1-ll Floor, Miyapur Cross Roads, Bollaram, Telangana 500[

15. DBS Bank lndia Limited, Rep- by its Chief Manager, Gr Towers, Nariman Point, Mumbai - 4O0 O21. Petition under Article 226 of lhe Constitution of ln,j circumstances stated in the affidavit filed therewith, thtr pleased to issue an appropriate Writ, Order, or Direction, tr nature of Writ of l/andamus, declaring the action of resprr attempting to recover amounts from the petitioner in an arbil handed manner without following the due process of law ar r the Reserve Bank of lndia Circular dated 12.08.2022 bezn 108, DOR.ORG.REC.65/21.04.15812022-23. and furthert,; respondent No. 2 in enforcing the said Circular as unconsti.t 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( restrain respondent Nos. 3 to 15, their agents, recove'' managers, or any person acting on their behalf from er 1 intimidation, harassment, humiliation, or intrusion into the 6rr or his family members, referees or friends, including pe'r calls, threatening messages, or physical visits to the petil further direct respondent No. 2 to enforce the said RBI Cir; and to initiate appropriate and stringent action against l respondent Nos. 3 to 15 for violating legal norms, and peirc i 5141186, Jvlahatma ;underabad, rd 5-4111 Ground 'ound Floor, veer koti Gardens, 44, lvlohan

- 110044. .8, Upper Ground und Floor, Express ...RESPONDENTS a praying that in the High Court may be cre particularly in the rdenl Nos. 3 to 15 in 'ary, illegal, and high- in blatant violation of ng No. RBI/2022-23I ;laring the inaction of tional and violative of nsequently d irect the :oercive or unlavuful :omply with the due ceedings, and further " agents, executives, aging in any acts of vacy of the petitioner istent or anonymous oners premises, and rlar in letter and spirit re errant officials of rg disposal of the writ petition, direct the respondent Nos- 3 to 15 not to resort to any coercive measures against the petitioner except through laMul means and in strict adherence to the Ci rcular daled 1 2.O8.2022 - Counsel for the Petitioner:SRl. BONTHU LOKESH PHANINDRA REDDY Counsel for the Respondent No 1: SRI N. BHUJANGA RAO, Deputy Solicitor General of lndia Counsel for the Respondent No 6: SRI SUDHARSHAN NARAHARI Counsel for the Respondent No 10: SRI M.P KASHYAP Counsel for the Respondent No 12: SRI B. SRIHARI Counsel for the Respondent No 13: SRI R. SRINIVAS RAO Counsel for the Respondent No 15: MS R. NAVANEETHA Counsel for the Respondents No 2To 5,7 To 9, 11 &14: --- The Court made the following: ORDER

IN THE HIGH COURT FOR THE STATE OF :- :LANGANA AT HYDERABAD THE HON'BLE SRI JUSTICE NAGESH BHE I:MAPAKA WRIT PETITION No.35788 OF 201t: DATE OF ORDER: 06.01.2026 Between: Nokku Naveen Kumar ..Petitioner AND Union of lndia, Represented by it's Secretary, N4inistry of Frnance, New Delhi and fifteen others ...Respondents Heard Sri Bonthu Lokesh Phanindra, learnec counsel for the petitioner, Sri N.Bhujanga Rao, learned Deputy Sol citor General of lndia, for respondent No.1, Sri Sudharshan lri rahari, learned counsel for respondent No.6, Sri MP Kashyap, leir ned counsel for respondent No.10, Sri B. Srihari, learned counso for respondent No.12, Sri R. Srinivas Rao, learned counsel for r,: ;pondent No.13 and Ms. R. Navaneetha, learned counsel for respor jent No.15.

2. Despite service of notice, none appearec for remaining respondents R E D R o wP No:1i788 202i N8K..I

3. When the matter is taken up for hearing, learned counsel for petitioner submitted that the issue raised in this writ petition is squarely covered by the order passed by this Court in W.P.No.18913 of 2024, dated 22.082024 and therefore, the same order may be, passed in this writ petition as well. The operative portion of the said order reads as under: "8. In view of the above circulars. this Court deems rt appropriate to dtrect the respondents to ensure that the agents engaged by them for recovery of the loan amounts, shall strictly follow the guidellnes and instructions issued by the Reserve Bank of lndra and also the judgments of the Hon'ble Supreme Court in lClCl Bank Ltd Vs. Prakash Kaur's case (1 supra) and lClCl Bank Vs. Shanti Devi Sharma's case (2 supra).

9. Wrth the above disposed of No costs. " direction, the writ petition is

4. Learned Standing counsel for respondent No..1 and Iearned counsel for respondent Nos.6, 10, 12, 13 and 15 have no objection.

5. Accordingly, in terms of the order passed by this Court in W P.No 18913 of 2024, dated 22.0g.2024, and for the reasons alike, this Writ Petition is disposed of directing the respondent authorities and their agents to scrupulously follow the g uidelines/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'1s case and ' poof z scc't n lClCt Bank v. Shanti Devi Sharma'2s case, whrkt recovering the loan amounts from the petitioner. No costs Pending miscellaneous applications, if any. shall stand closed \LP \o iir88 ll):i \I}K ] SD/- lr SRINIVASA REDDY ASSI iTANT REGISTRAR i-\ To, //TRUE COPY// ; \Ecrtoru oFFICER

1. The Secretary, Ministry of Finance, Union of lndia' New [ 'elhi

2. TheChiefGeneralManager,ReserveBankoflndia(REl'6-1-65'Secretariat Road, Saifabad, HYderabad - 500 004

3. One CC to SRl. BONTHU LOKESH PHANINDRA REDt Y' Advocate toPUCl

4. One CC to SRl. N. BHUJANGA RAO, Deputy Solicitor ( eneral of lndia loPUCl

5. One CC to SRI SUDHARSHAN NARAHARI, Advocate | )PUCI

6. One CC to SRI M.P KASHYAP, Advocate [OPUC]

7. One CC to SRI B. SRIHARI, Advocate IOPUCI

8. One CC to SRI R. SRINIVAS RAO, Advocate [OPUC]

9. One CC to Ir/lS R. NAVANEETHA ' Advocate [OPUG]

10. Two CD CoPies DAN '1:oosy r scc s::

,) HIGH COURT DATED:0610112026

ORDER

WP.No.35788 of 2025 DISPOSING OF THE WRIT PETITION WITHOUT COSTS i,i srtI€ /, t :$ lttl ?s?t fi C)o r( S,4 '. .t --l t' ')=.. .ri'-!.:;\2' Q=.r-...2--- I