J U D G M E N T

Petitioner is aggrieved by rejection of his request for providing educational loan. By Ext.P2 communication dated 18.06.2025, the 1^st respondent rejected the application for educational loan submitted by the petitioner. The Branch Manager, has cited the following reasons pointed out by SBI RACPC II, Ernakulam.

“1) A Consumer Loan for Rs.33,000/-(Rs.Thirty Three Thousand only) availed by Sri.Arjun Babu on 11.12.2023 and closed on 25.02.2025 is in Settled/Written off status.

2) A Personal Loan for Rs.1,00,000/-(Rs.One Lakh only) availed by Sri.Arjun Babu on 06.01.2018 is in overdue status by Rs.1,24,299/-.”

2. The petitioner contends that he is undergoing a three-year LLB program under the Faculty of Law University, Delhi. He states that he is hailing from a middle-class family and he is prepared to offer co-lateral security for the loan. He further states that his mother is a government employee and she can be a co- borrower. According to the petitioner, the Banks has acted illegally and arbitrarily by rejecting the application for educational loan.

3. A statement has been filed by the learned counsel appearing for the Bank. It is pointed out in the statement that as per