ORDER :

1. Mr. R. Saravanakumar, learned counsel on record for writ petitioner, Mr. Pala Ramasamy, learned Standing Counsel for respondents 1 and 2 (hereinafter collectively referred to as ‘said bank’ for the sake of convenience and clarity) and Mr. Aayiram K. Selvakumar, learned Additional Government Pleader on behalf of third respondent are before this Court.

2. To be noted, fourth respondent has been duly served and name/address of fourth respondent is shown in the cause list. This court is informed that fourth respondent has not chosen to enter appearance through any counsel. There is no representation for fourth respondent at the hearing, though the name of fourth respondent was called out aloud thrice in the court hall and in the adjoining corridor.

3. With the consent of aforementioned three counsel, main writ petition is taken up, heard out and is being disposed of.

4. Central theme of instant writ petition is an application by writ petitioner seeking educational loan under Vidhya Lakshmi Educational Loan scheme vide loan application ID 275060 dated 31.07.2018 seeking Rs. 3,30,000/- (Rupees three lakhs thirty thousand only) being total fee for a three years course being a degre