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2026 Supreme(Online)(Ker) 3802

IN THE HIGH COURT OF KERALA AT ERNAKULAM
M.A. ABDUL HAKHIM, J
SHARMILA – Appellant
Versus
AUTHORISED OFFICER, DEPUTY TAHSILDHAR, REVENUE RECOVERY – Respondent
WP(C) NO. 89 OF 2026



Advocates:
For the Appellants/Petitioners: SRI.S.S.ARAVIND, SHRI.TINU ABRAHAM
For the Respondents: SRI.JAWAHAR JOSE, SMT.G.SHEEBA

The court permits debt repayment in installments, allowing the petitioner to avoid immediate recovery actions under specified conditions.

Headnote:This judgment addresses a writ petition challenging a revenue recovery notice issued to the petitioner following default on a loan for purchasing livestock. The court permits payment in twelve installments, holding that non-compliance allows the bank to resume recovery actions. The core issue encompasses loan repayment obligations, specifically framed as the petitioner seeks relief due to unforeseen circumstances impacting payment compliance. The court rationalizes this decision by emphasizing equitable considerations while stipulating terms of repayment to aid the petitioner while safeguarding the bank's interests. The outcome entitles the petitioner to settle the debt in manageable installments, delaying recovery actions pending compliance with agreed terms.

Table of Content
1. petitioner challenges revenue recovery notice. (Para 1)
2. petitioner proposes installment plan for repayment. (Para 2 , 3)
3. court approves installment plan and conditions for payment. (Para 4)

J U D G M E N T

1. The Petitioner has filed this Writ Petition challenging Ext.P1 revenue recovery demand notice. The Petitioner has availed financial assistance from the Respondent No.2/Bank for purchasing a cow in the year 2019. The contention of the Petitioner is that, on account of reasons beyond her control, she could not regularly remit the instalment for repayment of the loan.

2. The learned Counsel for the Petitioner submitted that the Petitioner is prepared to pay the outstanding amount in reasonable monthly instalments.

3. The learned Standing Counsel for the Respondent/Bank submitted that, as on today, the amount outstanding is Rs.1,46,666/- and the Petitioner can be given six instalments to liquidate the liability.

4. Considering the fact that the Petitioner has availed the loan for purchasing a cow, this Writ Petition is disposed of, permitting the Petitioner to clear the outstanding amount with accrued interest thereon in twelve equal monthly instalments starting from 10.02.2026. The first instalment shall be paid on or before

10.02.2026. Ext.P1 revenue recovery demand notice is kept in abeyance for the time being to enable the Petitioner to liquidate the liability. If the Petitioner defaults on any of the instalments, the Respondents are free to proceed with the revenue recovery proceedings.

Sd/-

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