2026 Supreme(Online)(Ker) 13215

IN THE HIGH COURT OF KERALA AT ERNAKULAM
BASANT BALAJI, J
ANAGHA P. – Appellant
Versus
THE MANAGER, KERALA GRAMIN BANK – Respondent
WP(C) NO. 7014 OF 2021

The court affirmed the flexibility in enforcing loan repayment terms, allowing overdue payments in installments under certain circumstances.

Headnote:The High Court analyzed the right of petitioners under the provision of granting a writ of mandamus to order respondents to accept overdue payments in installments. The court found favor with the petitioner's request based on balancing hardship against compliance with banking regulations. The issue framed was whether the court could direct the respondents regarding the repayment terms, with the ratio decidendi emphasizing the necessity for flexibility in enforcement of loan repayments in light of the petitioner's financial circumstances. Resultantly, the court concluded by closing the writ petition with liberty to re-open if further circumstances arose.