JUDGMENT

Anil K. Narendran, J.

The appellants are respondents 1 and 2 in W.P.(C)No. 36515 of 2025 filed by the respondent-petitioner, invoking the writ jurisdiction of this Court under Article 226 of the Constitution of India , seeking a writ of certiorari to quash Ext.P1 notice dated 25.09.2025 issued by the Advocate Commissioner appointed by the Chief Judicial Magistrate Court, Kottayam in M.C.No.643 of 2025; and a writ of mandamus commanding the respondents to permit the petitioner to pay the overdue amount in convenient monthly instalments, after deducting penal interest and hidden charges.

2. Going by the averments in the writ petition, the petitioner availed agricultural loan for a sum of Rs.1.29 Crores from the Palai Branch of Union Bank of India, offering as security 69.83 Ares of land in Re-survey No.11/3 (old Survey No.1272/4, 1272/5) in Block No.31 of the Kadanadu Village in Meenachil Taluk in Kottayam District, along with a building situated therein. The monthly instalment was Rs.2 lakhs. Since the petitioner defaulted payment of monthly instalments, the loan account was classified as Non Performing Asset (NPA), and the Bank initiated proceedings under the Securitisation