Disposed

Angadi Basava Raju, v. The Union of India

Telangana HC17 Nov 2025WP/30645/2025

Case brief

AI extract

What is this about?

Petitioner alleged harassment by agents of banks and financial institutions recovering loan instalments. Relying on an earlier coordinate-bench order, the High Court directed respondents and their agents to scrupulously follow RBI guidelines including the circular dated 12.08.2022 and Supreme Court judgments on recovery practices.

What did the court decide?

Respondent bank/financial institution authorities and their agents directed to scrupulously follow RBI guidelines including the circular dated 12.08.2022 and Supreme Court judgments in ICICI Bank case

Angadi Basava Raju, Vs The Union of India — Banking and Recovery | Telangana HC (2025)

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IN THE HIGH COURT FOR THE STATE OF TELANGANA AT HYDERABAD (Special Original Jurisdiction)

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[3300 ]

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MONDAY, THE SEVENTEENTH DAY OF^NOVEIVBER TWO THOUSAND AND TWENTY FIVE

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PRESENT

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THE HONOURABLE SRI JUSTICE NAGESH BHEEMAPAKA

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WRIT PETITION NO: 30645 OF 2025

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Between:

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Angadi Basava Ralu, S/o Angadi Doddana^{Agedabout 39years,_Occ..Private} Em-ployee, 07-005,114OP11, Krishna^{N.4urthyNagar,Near Bharat PekolPump,} Su6hah Nagar Jeedimetla Medchal-N/alkajgiri^{Telangana-500055}

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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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The Reserve Bank of lhdra, Rep.^{by its} Chief^{General Manager, 6, Sansad} Marg, New Delhi^-'l 10001

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HDFt BANK Ltd, Rep by^its Chief^{tvlanagerPN 26, 33/A8534/8,Gr Fir,Delta} House, Sy-No. 68, Alivuyn Cross^{Road Mryapur, Hyderabad- 500049}

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lClCl Bank, Rep by its Chief Manager.^{lClClBankTowers, Financtai} Qist Plot. No. 12, Ninakramguda, Gachibowli^{Hyderabad,Telangana 500032.}

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SBI Cards and Paymenls Services^{PrivateLimrted,Rep. By its qhl-ef} Manager, DLF Infihity Towers, Tower C,^{1 oth-12thFloor, Block2, Building3,} DLF Cyber City, Gurgaon^{-122OO2 (Haryana), India.}

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BAJAJ-FINANCE Ltd-, Rep:^By its^{Chief Manager,6th Floor, Baiai Finsery} Corporate Office, Pune-Ahmednagar^{Road, Viman Nagar,Pune, Maharashtra} - 411014.

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Hero FinCorp Limited, Rep.^{by its Chief ManagerBasant LokVasant Vihar} New Delhi 1 10057

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INDUSIND Bank Limited,^Rep. By^{its Chief Manager, 1-248, Upper Ground} Floor, Miyapur Cross Roads, Bollarum,^{Telangana - 500052.}

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IDFC Fir6t Bank, Rep. by itq Chief^{lrulanager,IDFC FIRSTBank Ltd, The} Square, C-61, G Block, f]an-dra-Kurla^{Complex, Bandra(East)' Mumbai-} 400051.

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l0.FEDERAL BANK, Rep. by^its Chief^{Manager, Post Box. 103, Federal Towers,} Aluva, Kerala, - 6831 01^.

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11.lndia lnfoline lnvestment Services^{Limited, Repby its Chief ManagerllFL} Finance Limited 802 8th Floor Hubtown Solaris^{N S Phadke Marg Vi.iayNagar} Andheri East Mumbai 400 069

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HDB Financial Services,^Rep. by^{its Chief ManagerHDB House, Tukaram} Sandam Marg, A^- Subhash^{Rd, Navpada,Vile Parle East, Mumbai,} Maharashtra 400057

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13.AU Small Finance Bank Limited, Represented^{by its ChiefManager, MD} Office-Complaint Section,4th Floor,^{Bank House,Mile O,Ajmer Road, Jaipur,} Raiasthan - 302001.

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RBL BANK LIMITED, Rep.^by its^{Chief Manager,D No 63865,Ground Floor,} My Home Jupally Complexopp^{Green park, Hbtel Green Lands, Ambarpet} Road, Hyderabad,50001⁶

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Lendingkart Finance Limrted, Rep. by its Chief Manage- lffice 3 Connekt, 401lB,4th Floor, Silver Utopia, iardinal Gracious Ro-ar a,ndheri East, Mumbai, l,4aharashtra - 400099

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16-Axis Finance Limited, Rep by its Chief Manager l3tA, t ; r< View Erclave, Jubilee Hills. Hyderabad. Teiangana 500033:

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...RESPONDENTS

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Petrtton under Arlicle 226 of the Constitutron of lnr I praytng that tn the cjrcumstances stated in the affidavit filed therewith, ti-( -igh Court may be pleased to issue an appropriate writ, order or direction n ) _. particularly one in the nature of wRlr oF MANDAMUS declaring the action i the respondents in not controlling the agents who harassing the petitioner rcr his family by the respondents Nos. 3 to 16 (bank authorities and financial r s;titutions) is ilregal, arbitrary, violation of the principles of natural justice and c z .rnt violation and as well as Rules framed under Reserve Bank of Indra and t r fundamental rights guaranteed under the constitution of India consequenfly r ect the respondents not to harass the petitioner and his family members on tn ) c round of collecting the monthly installment dues and direct respondent nos. 3 ,: r 6 to follow circurar daled 12.08.2O22 vide RBtt2O22-23/ 108, DOR.ORG. REC j i,2.1 04jSS|ZO22_23 issued by respondent no.2.

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Counsel for the Petitioner: SRt M.KESHAV YADAV Counsel forthe Respondent No.1: SRt ANGOTHU NEHRU ,C FOR CENTRAL covT couNs I t_ Counsel for the Respondent No.6: SRt R.MANGULAL Counsel for the Respondent No.7: SRI N.B.SUDARSHAN Counsel for the Respondent Nos.2 TO 5 & g TO 16: -

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The Court made the following: ORDER

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II i

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THE HON'BLE SRI JUSTICE NAGESH BHEEMAPAKA

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WRIT PETITION No.3O645 of 2025

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ORDER:

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Sri M. Keshav Yadav, ietrrnccl counscl lbr the^{petilioner, Sri Angothu} Nchru, learned Standing Counsel fur CentrcLl Governmcnt,^{lor respondenl} No. i, Sri R. Mangulat, learned counscl for^re spon^::ntNo.6 and^{Sri N.B.} Sudarshan, learned counsel lor rcspondenr^No.7.

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Despite servicc of nottce, none trppcared for^{rcmainingrespondents}

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When the maLter ls lakctr up ibr hcarinq. Icarncd^{counsel tbr} pctitioner submitted Lhat the issue raiscd ir-r this^{Writ Pctition} is^squarcly cot,ered by the order passctl by this Cour t in^{W.P.No.5200of 2024} '^dated 2r.O4 .2024 and thcrefore,^t hc sarrne^ot der may^{be palsse d inthis writ} petition as well. The operative portion ol thc said orclcr^{reads as under}

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"8. For the aforesaid reiisons and as the^procedure adopted by the respondent Nos.4 to 7^{for recoveryof loan} anount from the petitioner, amounts to^violation of^{the rights} guaranteed under Articles 14 and 2l of the Constitution o[ India, this Court deems rt appropriate to direct^the respondents, to ensure that the agents cnf'ged^{by them lor} recovery of the loal amounts, shall strictly^followthc guidehnes and instructions issued by the Resen'e Bank ol Indra and also the.;udgments of the Honble Supreme^Court in ICICI Bank Ltd Vs. Prakash^{Kaur's case(1 supra)and} ICICI Bank Vs. Shanti Devi^Sharma's case^{(2 supra).} 9. With the above said direction, the writ^petitionis disposed of."

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Learned counsel for respondent^Nos.1, 6^{and 7 have no objection.}

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Accordingl-y. in tcrms of the ordcr pass. b1. rhrs Courr in w P No 5200 o1' 2o2r, datcd 2s.04.2024, arcr ror tr-r, ; .rsons arike, this ,.r,rir, pctition is disposr:d of uirccting tl.rc responclcnL auL r ) ttics aitd their agcrtrs to sc^rpulousl-v t.llou, the guidelines/insrrr-rctiorrs :uccl t^, rhc Res.^,c Bank of India ;n irs Circrrlar datccl 12.Og.2022 an I so rhr, .jridgments ()l f,on'blt: Suprem. Court i, ICICI Bank Ltd. v. pral:r srh Kaur,rs case ,rr i ICICI Bank v. Shanti Devi Sharma,2s casc, *.f-i, rccor.cri'g the l,ra I

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ar.noLlnLs from thc petitioner. llo cosls.

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Pendir-rg miscellancous applications, iI any, s i r ]. st"/,rcl c lose cl

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(2007)2SCC 711

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2 (2008) 7 SCC s32

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Sd/.A. JAYASREE Af 'r 'l STANT REGISTRAR .--_,-

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//TRUE COPY//

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$SECTION OFFTCER To

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r t)elhi

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1 ]1 " lgprgtgry.^{Unigl of lndia,Minrsrry of rinance,.e} 2. The Chief General Manaqer, Reserve Bank of lndia,-t ) ansad Marg, New Delhi -1 10001

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The Chief Y.anqg_err HDFC-BANK Ltd, pN 26, 33/ABtri , ,{1, Gr Fir, Detta

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.^{H9u1q,.Sy,No.68, Atlwyn Cross Road Miyapur, Hyde,r} l;rd^_ 500049

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1. lhe.Chief N/anager, lclcl Bank, lclCl Bahk Towe-rs. t .. e ncial Dlst. plot. No

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_ ll, \qlaflamguda, \qlaflamguda,^{Gachibowti Hyderabad,Tetanqar} r t00032.t00032.

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_ ll, \qlaflamguda, \qlaflamguda,^{Gachibowti Hyderabad,Tetanqar} r t00032.t00032. 5 ,119-.glL"f Manager, SB] qqlqs.qnd layments Seriice; _-rivate Lrmired, DLF

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rnflnrry towers, towerC. 10th_12th Floor, Block 2, Brr c rrg 3, DLF Cyber City

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_^{Gurgaon-122002 (Haryana), lndia.} 6 I[:^9hl:1!al39er:. BAJAJ FTNANCE Lrd, 6th Ftoor, ,] jaj Finsery corporate unrce,^{pune-Ahmednaqar} Road, Viman Nagar, pune, l\ ; tiarashtri _ 41'1014.

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1. The Chief Manager, xeio rindoip Li;ibd, 6il"i ii,r ';rsant Vihar New Delhi 1 10057

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I llgghi"lManlger,,tNDUSIND Bank Limited, 1-248, U per Ground Ftoor,

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^^{yryapgfUrossRoads, Bollarum, Telanoana - 500052.} e. rne chief Manager, IDFC F_irst Bank, IDFC FTRST Bar.t l-td, The Square, C- . ^^{q1, G Block,Bandra-Kurla Complex,} Bandra^(East), lr/ r r5ai^_ 400051 . 10. The Chief Man^ager, FEDERAL bANK, postdoi^-i'OS. i :,ierat Towers, Aluva, Kerala, - 683101.

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11 The chief Manager, lndia rnforine rnvestment Services r rrnited, lrFL Finance Limited 802 8th Floor Hubtown Solaris N S phadke Mar Vijat'NagE, AnOl.,,6r, East Mumbai 400 069

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'12. The Chief lr4anager, HDB Financial Services, HDB Hor: e, Tukaram Sandam 400057l1{9r4^{- Subhash Rd, Navpada,Viteparle East,Mun t ai, Maharashtra}

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'=\1iii

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13.The Chief Manager, AU Small Finance Bank Limited, MD Office-Complaint Section,4th Floor, Bank House, tr4ile O, Ajmer Road, Jaipur, Rajasthan^- 302001^.

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The Chief Manager. RBL BANK LIMITED, D.No.63865, Ground Floor, My Home Jupally Complexopp Green park, Hotel Green Lands, Ambarpet Road, Hyderabad 500016

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The Chief Manager, Lendingkart Finance Limited, Office 3 Connekt, 401/8, 4th Floor, Silver Utopia, Cardinal Gracious Road, Andheri East, Mumbai, Maharashtra - 400099

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