Ravipati Pratap Chowdary v. The Union of India
Case brief
What is this about?
Recovery agent harassment; borrower/family protection during loan recovery; writ of mandamus under Article 226 of the Constitution of India; RBI guidelines/instructions, circular dated 12.08.2022 (RBI/2022-23/108, DOR.ORG.REC series) to be followed by banks and financial institutions; respondents include ICICI Bank, SBI Cards and Payments Services Ltd, American Express Service India Ltd, IDFC First Bank, Akara Capital Advisors Pvt Ltd, PayU Finance India Pvt Ltd, Piramal Finance Ltd, SBC Bank, Citi Bank and one entity whose name is OCR-garbled in the source (address at NPCI/Gigaplex, Airoli); disposal in terms of earlier coordinate-jurisdiction order W.P. No. 5200 of 2024 dated 25.04.2024 ('squarely covered'); Supreme Court authority relied upon: ICICI Bank Ltd. v. Prakash Kaur (2007) 2 SCC 711 and ICICI Bank v. Shanti Devi Sharma (2008) 7 SCC 532; High Court for the State of Telangana at Hyderabad, Justice Nagesh Bheemapaka, 15.10.2025; disposed without costs; no adverse orders against any respondent.