Heard both sides.

2. Counter on behalf of the Second Respondent and the same is adopted by the First Respondent/The General Manager, Indian Overseas Bank, Regional Office, Tirunelveli.

3. According to the Petitioner, he is now studying in second year Bachelor of Engineering Course(Mechanical Engineering) at Dr.Sivanthi Adithanar College of Engineering, Tiruchendur. Earlier, he secured 1057 marks in Higher Secondary Examination and applied for B.E. Course through Anna University. After counselling, he was given admission in B.E. Course under self-financing at Dr.Sivanthi Adithanar College of Engineering, Tiruchendur. His father is an agriculturist and he is not in a position to provide necessary funds for his educational expenses.

4. The stand of the Petitioner is that during the month of August 2015, he approached the Second Respondent/Bank for procuring Term Loan for educational expenses at Rs.3,94,600/-. In fact, the Second Respondent was pleased to direct him to secure a Pan Card and to open an account in the bank. As a matter of fact, he was minor at the relevant point of time and waited till November 2015 and thereafter secured the required documents.

5. The clear-cut plea