##PAGE1##

2026:APHC:17565

APHC010194762026

IN THE HIGH COURT OF ANDHRA PRADESH

AT AMARAVATI [3207]

(Special Original Jurisdiction)

THURSDAY,THE TWENTY THIRD DAY OF APRIL

TWO THOUSAND AND TWENTY SIX

PRESENT

THE HONOURABLE SRI JUSTICE BATTU DEVANAND

WRIT PETITION NO: 10829/2026

Between:

1. V IDAVALUM RAJ KUMAR,, S/O. LATE VENKATA SUBBAIAH, AGED

ABOUT 34 YEARS, OCCU. UNEMPLOYED, R/O. HARAJANAWADA,

GANGAVARAAM, KOVURU, S.P.S.R. NELLORE DISTRICT - 524137.

...PETITIONER

AND

1. THE STATE OF ANDHRA PRADESH, REPRESENTED BY ITS

PRINCIPAL SECRETARY, HOME DEPARTMENT, SECRETARIAT,

AMARAVATI, GUNTUR DISTRICT - 522503.

2. THE DIRECTOR GENERAL OF POLICE, ANDHRA PRADESH,

OFFICE OF THE DGP, MANGALAGIRI, GUNTUR DISTRICT -

522503.

3. THE SUPERINTENDENT OF POLICE, S.P.S.R. NELLORE

DISTRICT, NELLORE - 524001.

4. THE RESERVE BANK OF INDIA, REPRESENTED BY ITS

REGIONAL DIRECTOR, ANDHRA PRADESH, 6-1-56,

SECRETARIAT ROAD, SAIFABAD, HYDERABAD - 500004.

5. HDFC BANK LIMITED, REPRESENTED BY ITS MANAGING

DIRECTOR, HAVING ITS REGISTERED OFFICE AT HDFC BANK

HOUSE, SENAPATI BAPAT MARG, LOWER PAREL (WEST),

MUMBAI-400013.

6. SBI CARDS AND PAYMENT SERVICES LIMITED, REPRESENTED

BY ITS MANAGING DIRECTOR, HAVING ITS REGISTERED

2

2026:APHC:17565

OFFICE AT UNIT 401-402, 4TH FLOOR, TOWER-A, DLF CYBER

GREENS, DLF PHASE-III, GURUGRAM, HARYANA - 122002.

7. YES BANK LIMITED, REPRESENTED BY ITS MANAGING

DIRECTOR, HAVING ITS REGISTERED OFFICE AT YES BANK

HOUSE, OFF WESTERN EXPRESS HIGHWAY, SANTACRUZ

EAST, MUMBAI-400055.MAHARASTRA.

8. RBL BANK LIMITED, REPRESENTED BY ITS MANAGING

DIRECTOR, HAVING ITS REGISTERED OFFICE AT 1ST LINE,

SHAHUPURI, KOLHAPUR - 416001, MAHARASHTRA.

9. AXIS BANK LIMITED, REPRESENTED BY ITS MANAGING

DIRECTOR, HAVING ITS REGISTERED OFFICE AT AXIS HOUSE,

C-,WADIA INTERNATIONAL CENTRE, PANDURANG BUDHKAR

MARG, WORLI, MUMBAI - 400025.

10. S OCIAL WORTH TECHNOLOGIES PRIVATE LIMITED FIBE LOAN,

REPRESENTED BY ITS MANAGER, HAVING ITS REGISTERED

OFFICE AT UNIT NO. 404, THE CHAMBERS, VIMAN NAGAR,

PUNE - 411014, MAHARASHTRA.

11. P REFF DREAMPLUG TECHNOLOGIES, REPRESENTED BY ITS

MANAGER, HAVING ITS REGISTERED OFFICE AT 2ND FLOOR,

BLOCK 2, MY HOME HUB, HITECH CITY ROAD, HITEC CITY,

HYDERABAD - 500081, TELANGANA.

12. I DFC FIRST BANK LIMITED, REPRESENTED BY ITS MANAGING

DIRECTOR, HAVING ITS REGISTERED OFFICE AT KRM TOWERS,

7TH FLOOR, NO.L, HARRINGTON ROAD, CHETPET, CHENNAI -

600031.

13. I NDUSIND BANK LIMITED, REPRESENTED BY ITS MANAGING

DIRECTOR, HAVING ITS REGISTERED OFFICE AT 2401,

GENERAL THIMAYYA ROAD, (KOREGAON PARK ANNEX), PUNE-

411001.

...RESPONDENT(S):

Petition under Article 226 of the Constitution of India praying that in the

circumstances stated in the affidavit filed therewith, the High Court may be

pleased to issue a Writ, Order, or Direction, particularly in the nature of

Mandamus, directing the Respondent Authorities to take immediate

cognizance of the complaints made by the Petitioner and initiate appropriate

3

2026:APHC:17565

action against Respondent Banks Nos. 5 to 13 and their recovery agents for

their illegal and coercive recovery practices in violation of the RBI Master

Circular on Fair Practices Code, to direct Respondent Banks Nos. 5 to 13 and

their recovery agents to cease and desist from all forms of harassment,

intimidation, threats, and coercive recovery methods forthwith, to ensure that

the recovery agents of Respondent Banks Nos. 5 to 13 strictly comply with

the RBI Master Circular dated 12.08.2022 and all other applicable guidelines,

to award appropriate compensation to the Petitioner for the severe mental

agony, harassment, and violation of his fundamental rights caused by the

actions of Respondent Banks Nos. 5 to 13 and the inaction of the public

authorities and to pass

IA NO: 1 OF 2026

Petition under Section 151 CPC praying that in the circumstances stated

in the affidavit filed in support of the petition, the High Court may be pleased

pleased to restrain Respondent Banks Nos. 5 to 13, their officers, recovery

agents, representatives, or any person acting on their behalf, from making

any threatening