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2025 Supreme(Online)(Ker) 57424
IN THE HIGH COURT OF KERALA AT ERNAKULAM
M.A.ABDUL HAKHIM, J
JOHN JOHNSON – Appellant
Versus
HDFC BANK LTD – Respondent
WP(C) NO. 33331 OF 2024
For the Appellants/Petitioners: SRI.V.R.SANJEEV KUMAR
For the Respondents: SRI.PREMCHAND M
SRI.G.HARIHARAN
SRI.BINOY VASUDEVAN
SRI.PRADEESH CHACKO
SRI.LAL K.JOSEPH
SRI.DEVAPRASANTH.P.J
SRI.C.AJITH KUMAR
SMT.B.R.SINDU
SRI.PRAVEEN.H
SMT.K.S.SMITHA
SRI.V.ROHITH
SMT.AFNA V.P.
SRI.P.MURALEEDHARAN (THURAVOOR)
SMT.T.A.LUXY
SRI.SURESH SUKUMAR
SRI.ANZIL SALIM
SRI.SANJAY SELLEN
SMT.SMINI JOSE
SRI.ANIL MADATHIMALIL
SMT.ABHIRAMY VINOD
SMT.OM.SHALINA, DSGI
The court ruled that a satisfactory CIBIL score negates grievances against the financial institution's actions.
Headnote:The petitioner's grievance revolves around the fixation of a lower CIBIL score by the 10th respondent. The Standing Counsel revealed a CIBIL score of 836 as of 07.10.2025, sufficient for loan eligibility. Hence, the court determined no grievance against the 10th respondent.
Result: Writ Petition closed.
| Table of Content |
|---|
| 1. petitioner seeks direction regarding cibil score. (Para 1) |
| 2. response indicates satisfactory cibil score for loan eligibility. (Para 2) |
| 3. court closes writ petition based on respondent's submission. (Para 3) |
JUDGMENT
1. The petitioner has filed this Writ Petition seeking direction to the 10th respondent to consider Ext.P12 Representation. The grievance of the petitioner is that the CIBIL score of the petitioner is fixed on the lower side by the tenth respondent.
2. The learned Standing Counsel for the 10th respondent, on instruction, submitted that as on 07.10.2025, the CIBIL Score of the petitioner is 836, which is more than sufficient for getting loans if he is otherwise eligible to get loans, and hence, the petitioner cannot have any grievance against the 10th respondent in this regard.
3. Accordingly, the Writ Petition is closed, recording the above submission of the learned Standing Counsel for the 10th respondent.
