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* IN THE HIGH COURT OF DELHI AT NEW DELHI

Reserved on: 25th July, 2025

Pronounced on: 27th November, 2025.

Uploaded on: 27th November, 2025

+ W.P.(C) 16659/2022 & CM APPL. 52510/2022

SARWAR RAZA .....Petitioner

Through: Petitioner in person.

versus

OMBUDSMAN RESERVE

BANK OF INDIA & ANR. ....Respondents

Through: Mr. Ramesh Babu along with Mr. Rohan Srivastava, Ms. Jagriti Bharti and Ms. Tanya Chowdhary, Advs. for RBI. (M: 9873922734)

Mr. Sanjeev Sindhwani, Sr. Adv. with Ms. Suruchi Suri, Advs. for R-2. (M: 9810255518)

CORAM:

JUSTICE PRATHIBA M. SINGH

JUDGMENT

Prathiba M. Singh, J.

1. This hearing has been done through hybrid mode.

I. FACTUAL BACKGROUND

2. The long and arduous journey that a credit card holder has to undergo, when any fraudulent transactions take place on a credit card, is at the crux of this petition.

3. It is a matter of common knowledge that the increased use of various instruments for undertaking monetary transactions, such as – credit cards, debit cards and digital payment platforms also raises the possibility of misuse and resultant frauds.

4. The background giving rise to this case is that in January 2022, the Petitioner, who is also a