IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE BASANT BALAJI FRIDAY, THE 30^TH DAY OF JANUARY 2026 / 10TH MAGHA, 1947 WP(C) NO. 42586 OF 2025 PETITIONER:

SAIJO K.P, AGED 43 YEARS S/O PAULOSE, RESIDING AT KALAPPURAKKAL, MALAPALLIPURAM, PALLIPURAM, THRISSUR DISTRICT, PIN - 680732 BY ADV SRI.P.T.SHEEJISH RESPONDENTS:

1 KERALA STATE CO-OPERATIVE BANK, REPRESENTED BY ITS SECRETARY, MALA BRANCH, SAHAKARANA SATHABDHI MANDIRAM, KOVILAKATHUMPADAM, P.O, THIRUVAMBADY, THRISSUR DISTRICT, PIN - 680022

2 AUTHORIZED OFFICER, KERALA STATE CO-OPERATIVE BANK, HAVING ITS REGIONAL OFFICE AT, SAHAKARANA SATHABDHI MANDIRAM, KOVILAKATHUMPADAM, P.O, THIRUVAMBADY, THRISSUR DISTRICT, PIN - 680022 BY ADV SHRI.K.S.ARUN KUMAR THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 30.01.2026, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:

JUDGMENT DATED THE 30^TH DAY OF JANUARY 2026 The petitioner had availed two housing loans amounting to Rs.21,50,000/- from the 1^st respondent Bank during the year 2017 by mortgaging his residential plot situated in Pallipuram Village, Thrissur District.

2. Thereafter, due to default in repayment of the loan amount, the 1^st respondent Bank had initi