J U D G M E N T

The petitioner is aggrieved with the fact that the respondent bank has taken proceedings against the petitioner for realization of alleged dues in a personal loan and also a housing loan the latter of which, even according to the Bank, is being repaid regularly.

2. The petitioner's contention with respect to the personal loan is that the loan of Rs.22,00,000/- was availed on 25.11.2009 with an interest of 13.25% per annum. The entire amounts have been repaid is the contention. The petitioner also took up the matter of revision of interest without authority, before the Banking Ombudsman in which Ext.P3 order was issued. Hence, the petitioner asserts that there is no more W.P.(C) No. 7591/2016 amounts to be paid in the personal loan. The housing loan is being regularly paid as per the original agreement and there was no warrant for declaring the same to be a Non Performing Asset (NPA).

3. The learned Counsel appearing for the respondent submits that the period of the personal loan was over in 2015 and there is remaining an amount of Rs.3,81,377/- to be paid into the account. It is also submitted that the housing loan has been proceeded against only since the RBI guidelin