IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR. JUSTICE DEVAN RAMACHANDRAN TUESDAY, THE 12^TH DAY OF SEPTEMBER 2023 / 21ST BHADRA, 1945 WP(C) NO. 16358 OF 2023 PETITIONER:

ASWIN MUKUND, S/O.MUKUNDANKUTTY, "ARCHANA", VNRA-073, VIDYA NAGAR, KADAVANTHRA.P.O., ERNAKULAM – 682020.

BY ADVS.G.HARIHARAN PRAVEEN.H. K.S.SMITHA V.R.SANJEEV KUMAR GENTLE C.D.

BIJOY SAM GEORGE RESPONDENTS:

1 M/S.KOTAK LIFE, (A UNIT OF KOTAK MAHINDRA LIFE INSURANCE COMPANY LTD.)

2ND FLOOR, CHICAGO PLAZA, RAJAJI ROAD, COCHIN - 682035, REPRESENTED BY ITS BRANCH MANAGER.

2 M/S. FINCARE BANK, THOMASPETTA TOWER, NEAR RENAI MEDICITY, PALARIVATTOM, COCHIN - 682024, REPRESENTED BY ITS BRANCH MANAGER.

3 CUSTOMER CARE, KOTAK MAHINDRA LIFE INSURANCE COMPANY LTD., KOTAK TOWERS, 7TH FLOOR, ZONE-IV, BUILDING NO.21 INFINITY PARK, OFF WESTERN EXPRESS HIGHWAY GEORGEON, MULUND LINK ROAD, MALAD EAST, MUMBAI – 400097.

BY ADVS.ALEX ABRAHAM SANEESH KUMAR K V.B.SANTHINI(K/700/2006)

ATHIRA LEKSHMI J.(K/001842/2022)

C.C.ABRAHAM(K/000110/1989)

NIKHIL RAJ(K/002846/2022)

THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 12.09.2023, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:

JUDGMENT The petitioner impugns Ext.P13 orde