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. 46562 OF 2025 PETITIONER:

VANDANA PRABHA S., AGED 40 YEARS W/O. KARTHIKEYAN, SREELATHIKA, ANTHIYOORKONAM, KOLLODU P.O., THIRUVANANTHAPURAM, PIN - 695571 BY ADVS.

SHRI.JINU JOSEPH SMT.ANU PHILIPOSE RESPONDENTS:

1 THE AUTHORIZED OFFICER, KERALA BANK, REGIONAL OFFICE, P.B.NO. 5122, EAST FORT P.O, THIRUVANANTHAPURAM, PIN - 695023

2 KERALA BANK, MALANYINKEEZHU BRANCH, KRISHNAGIRI BUILDINGS, MALAYINKEEZHU P.O, THIRUVANANTHAPURAM, REPRESENTED BY ITS BRANCH MANAGER, PIN - 695571 BY ADV SHRI.THOMAS ABRAHAM 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, a defaulted borrower from the respondent bank, is challenging proceedings initiated by the respondent bank under the SARFAESI Act for recovery of the amounts due.

2. The learned counsel for the petitioner would submit that the petitioner may be permitted to clear the liability in instalments.

3. It was submitted on behalf of the respondent Bank that the petitione