Sunitha Singh Vs The Union of India

Sunitha Singh, W/o Veerender Singh Aged about S2year-s, Occ. private Employee, Plot. No.73-76,204 Yaswant Residency, near Aleap pragathinagar, Kukatpally, IVedchal-fVlalkajgiri Dist, TG-500090

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.PETITIONER

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AND

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1 The Union of lndia, Rep. by its Secretary, Ministry of Finance, New Delhi

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2 The Reserve Bank of lndia, Rep. by its Chief General l/lanager, 6, Sansad Marg, New Delhi -1 10001

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3 Mas Financial Services Limited, Rep. by its Chief^'Manager, 4th Floor, Narayan Chambers, B/h Patang Hotel, Ashram Road, Ahmedabad - 380009, Gujarat.

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

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INDUSIND Bank Limited, Rep by its Chief firlanager 1-248, Upper Ground Floor, Miyapur Cross Roads, Bollaram, Telangana 500052

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6 Mahindra and Mahindra Finance Ltd, Rep. by its Chief Manager, tr/ahindra Towers, 3rd Floor, A Wing, Dr. G.M. Bhosale Marg, P.K. Kurne Chowk, Worli, lVlumbai, Maharashtra, 40001 B

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7 Clix Capital Services Private Limited, Rep. By its Chief [Vlanager, Plot No.23, 5th Floor, Govind Lal Sikka Marg, Rajendra Place, New Delhi -^'1 10008.

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Kisetsu Saison Finance India Pvt Ltd, Rep. By its Chief Manager, Indiqube Lexington Tower, First Floor, Tavarekere Main Road, Tavarekere, SG eitya, Bengaluru, Karnataka - 560029_

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SBM BANK, Rep by its Chief Manager, 306 - A, The Capital, G btock, Bandra-Kurla Complex, Bandra East, Mumbai 400051, N/aharashtra.

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10.BAJAJ FINA_NCE Ltd, Rep. By its Chief Manager,6th Ftoor, Bajaj Finsery Corporate Office, Pune-Ahmednagar Road, Viman Nagar, Pune, Ivlaharashtri - 411014

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...RESPONDENTS

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Petition under Article 226 of lhe Constitution of {ndi L praying that in the circumstances stated in the affidavit filed therewith, the -ligh Court may be pleased to issue an appropriate writ, order or direction mr: e pa(icularly one in the nature of wRlr oF [/ANDAlvlus declaring the action of t re respondents innot controlling the agents who harassing the petitioner anc his family by the respondents Nos. ai to 10 (bank authorities and financial i rstitutions) is illegat, arbitrary. violatron of the principles of natural justice and bl:.ant violation and as well as Rules framed under Reserve Bank of lndia and fir , fundamental rights guaranteed under the constitution of lndia consequently di 3ct the respondents not to harass the petitioner and his family members on tht; ground of collecting the monthly instailment dues and direct respondent nos. 3 tr; 10 to follow circular dated 1 2. 08.2022 vid e RBll 2022-23 I I 08, DOR.ORG. REC. (i ;/21 O 4. 1 SB I 2022-23 issued by respo ndent n f,.2

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lA NO: 1 OF 2025

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Petition under section 151 cPC praying that in the circ umstances stated in the affidavit filed in supporl of the petition, the High court may be pleased to direct the responderts not to take any coercive measures a lainst the petitioner and not to harass him and his family without following du<r process of law and followrng Circular dated 12.08.2022 vide RBll2O2i -231^.108, DOR. ORG.REC.65/21 .04 15812022-2 issued by RBt, pending c sposal of the writ petition

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Counsel for the Petitioner : SRI M KESHAV YADAV

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Counsel for the Respondent Nos.1 & 2 : Deputy Solicitor Ge reral of India

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Counsel forthe Respondent No.4: SRI N. SUDHARSHAN

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Counsel for the Respondent No.5: SRI G. PRAVEEN KUMAr

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Counsel for the Respondent Nos. 6,9 & 10: Ms. K. RAMyA

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Counsel for the Respondent Nos.3,7 & g: ---

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The Court made the following: ORDER

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f t

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:ry

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THE }ION'BLE SRI JUSTICE NAGESH BHEEMAPAKA

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WRIT PETITION No.2487O of 2025

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ORDER:

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He ard Sri M. Keshav Yadav, learned counsei for^{the petitioner; learned} Standing Counsel lbr Central Government^{representinglearnedDeputl} Solicitor Gcneral of India, for respondcnt^No. 1; Sri^{N. Sudharshan, learned} counsel for respondent No.4; Sri G. Praveen Kumar,^{learnedcounsel for} r-cspondent No.5 and Ms. K. Ramya, learned counsel^{for respondentNos.6,} E ancl 1O.

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When the matter 1s taken up for hcaring, learncd counscl^lor petitioner submitted that the issue raised in this Writ^{Petition is squarely} cotercd b1' the order passed by this Court in^{W.P.No.S2OOol 2024,daLed} ')3.O4.2O24 and therefore, thc same order may be passed in this^u'rit petition as rl,ell. The operative portion of the said order^{readsas under:}

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"8. For thr: aJoresaid reasons and as thc^procedure aclopted by the respondent Nos.4 to 7 for^{recovery o[ Ioal} anount from the pctitioner, amounts to violation of the^rights guararrtecd under Articles 14 and 2l of the Constitution of lndia, Lhis Court deems it appropriate to dircct the respondents, to ensure that the agents engaged by them^for recovery of the loan amounts, sha1l strictly follorv the guidelines ald instructions issued by the Reserwe Bank of India and also the^judgments of the Hon'ble Suprerne Court in ICICI Bank Ltd Vs. Prakash Kaur's case⁽¹ supra) and ICICI Bank Vs. Shanti Devi Sharma's case⁽² supra). L With the above said direction, the writ^petition is disposed of."

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I-earned coltnsel lor rcspondent Nos.^1, 4, 5,6, 8 and^{1O haveno}

ri

\II

2

objection

Accorciingi,.. in icrms of Lhe ordcr passcc br.. rhis CloLrrt lu W.P.No.52O0 oi 2024, clat ccl 25.04.2024, t-d lor rhe r_r I sons alike. Lhis r.r.r;r pe[ition is disposecl of directing the respon<lent aLlt]ror i.es .nd thcir agents to scrupulousl_r. foilou. Lhe guidelines / instruc tions rs:;r Led by the Rescrvr Bank of India in its circular dated 12.0g.2 022 and a r o the juclgmerts of Hon'ble Supre me coql1 111 rcICI Bank Ltd. v. prakas;l r Kaurlls case .rn.J ICICI Bank v. Shanti Devi Sharma,2s case, u,hile r :cor, cring thr: lo:rn amounts from Lhe pctiltoncr. No costs.

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Pending miscellaneous applica[ions, if any, shali,, tand closcci.

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sD/. [. BHAVANT SWAMY ,Gs:; brarur REGISTRiR

/iTRUE COPY//

To,

SEcTIoN oFFICER \

The Secretary, The Union of tndia, Ministry of Finance, I ew Delhi

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Chief General Manaqer, The Reserve Bank of Indla, 6, S ansad Marg, New Delhi -1 10001

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3 Chief Chambers, B/h Patang Hotel, Ashram Manager, Mas Financial Services noaO, nfimeOit,,,Limited^lth - 380009, Gujarai.380009, Gujarai.^{Floor,Naravan}

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380009, Gujarai.380009, Gujarai.

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4 9l5j,9l:9.grt tPtcl Bank, tCtCt Bank T_owers, Financ r I Dist. ptot. No. .12, r\anaKramguoa, Gachibowli Hyderabad, Telangana sOC( 32.

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Chief lVanaqer. lNDt,StND Bank Limited, 1_248, Upper lround Floor, Miyapur Cro-ss Roads, eolairr, fti;nllr; 5d06#

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chief [t{anager, r\rlahindra.and lirrahindra Finance Ltd, M r rindra Towers, 3rd Floor, A Wing, Dr G.l,4. Bhosale l,4arg, p k. kurne Ci oui ,, Worf i, fr,lll"iul, - Maharashtra, 4000i 8

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7 Chief M.ana_ger, Clix Capital Services private Limited, F lot No.23, sth Floor, covind Lal Sikka [/arg, Rajendra place, New Delhi _ 1 1r) )08.

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-Chief^{Manager, Kisetsu Saison Finance lndiapvt Ltd, lnc} qube Lexington Tower, First Froor, Tavarekere Main Road, fiuar"f,eie, = G Palya, Bengaluru, Kamataka - 560029.

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Chief l!4anager, SB|\I. BANK, 90q - A, The Capital, G block, Bandra-Kurta Complex, Bandra East, Irrlumbai 4OOO51', Vanaiasntra

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10 ch.ief off i ce, N4gnasqr P u n e -A h m BAJAJ ed n a g FTNANCE a r Ro a d, Vi Ltd, m a 6th n ru a Froor, ga r,'pGel Baiai Finsery coroorarett r i "ni rir.-nii5^:' iii o r +

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