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IN THE HIGH COURT OF KERALA AT ERNAKULAM
MOHAMMED NIAS C.P., J
SALIN M.J. – Appellant
Versus
THE RESERVE BANK OF INDIA – Respondent
| Table of Content |
|---|
| 1. loan agreement terms and conditions. (Para 2) |
| 2. aggrieved by npa classification per rbi guidelines. (Para 3 , 4) |
| 3. bank's claims and petitioners' rebuttal. (Para 5 , 8 , 9) |
| 4. court's directive for resolution process. (Para 6 , 7) |
| 5. disposal of writ petitions with directions. (Para 10 , 11) |
JUDGMENT
W.P.(C) No.14703 of 2025 is taken as the lead case, and the documents in the said case are being referred to in the judgment.
2. The petitioner had availed a Kissan Cash Credit limit (KCC) of Rs.30,00,000/- from the 3rd respondent Bank through Ext.P1 on 25.09.2017. Ext.P1 stipulates that the Crop Loan Limit (KCC) has been assessed for 5 years, with a 10% increase in the assessed limit for the first year, and a 10% increase in the limit for the second, third, fourth, and fifth years and the same will undergo a change in case of a change in the Scale of Finance (SoF), area under cultivation, or change in cropping pattern/variety/method. It is specifically stated that the KCC limit is valid for 5 years, subject to annual review. In the other writ petitions also, the petitioners had availed similar loans for Rs. 30,00,000/-.
3. The petitioners are aggrieved by the classificati
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