M/s Ssrs Enterprises v. Union of India

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APHC Writ Petition No. 5917 of 2026, High Court of Andhra Pradesh at Amaravati, decided 12-03-2026 by Justice K Sreenivasa Reddy. Petitioner: M/s SSRS Enterprises (proprietor Reddy Naidu Babu), Visakhapatnam; counsel Ginjala Vijaya Kumar. Respondents: Union of India (Ministry of Finance), Reserve Bank of India, Commissioner of Police Visakhapatnam, Inspector of Police Gopalapatanam Police Station, and NBFCs Northern Arc Capital Ltd, Cholamandalam Investment and Finance Ltd, Kinara Capital Pvt Ltd, Tata Capital Limited, Shri Ram Finance Limited, Ashv Finance Limited, Poonawalla Fincorp Ltd; GP for Home listed for respondents. Grievance: harassment, humiliation, abusive calls and threats by recovery/collection agents during loan recovery despite borrower default, without due process. Key regulatory text: RBI circular dated 12.08.2022, RBI/2022-23/108, DOR.ORG.REC.65/21.04.158/2022-23, 'Outsourcing of Financial Services - Responsibilities of regulated entities employing Recovery Agents' (no intimidation/harassment, no calls before 8:00 a.m./after 7:00 p.m., applicability to banks, AIFIs, NBFCs/HFCs, co-operative banks, ARCs; excludes microfinance loans under Master Direction dated March 14, 2022). Constitutional references: Articles 226, 14, 19, 21; IA No. 1 of 2026 under Section 151 CPC. Precedents relied on: ICICI Bank Ltd. vs. Prakash Kaur (2007) 2 SCC 711; ICICI Bank vs. Shanti Devi Sharma (2008) 7 SCC 532. Outcome: writ petition disposed of with directions to respondents to ensure recovery agents strictly follow RBI guidelines and the Supreme Court judgments; no order as to costs; miscellaneous petitions closed.