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2026 Supreme(Online)(Ker) 13658

IN THE HIGH COURT OF KERALA AT ERNAKULAM
M.A.ABDUL HAKHI, J
UMAR NIZAR MOHAMMED ABDAH – Appellant
Versus
M/S HDFC BANK LIMITED – Respondent


Advocates:
For the Appellants/Petitioners: SHRI.JOY THATTIL, ITTOOP, SRI.A.G.ADITYA SHENOY, SRI.BIJISH B.TOM, SMT.NEVIS CASSANDRA L, CAXTON LORETTA, SHRI.KRISHNA KUMAR T.K., SMT.BABY SONIA, SHRI.KARUN MAHESH, SMT.MEGHA JOSEPH, SRI.GOVIND VIJAYAKUMARAN NAIR, SMT.ROSHNI MANUEL, SMT.KALYANI NANDAGOPAL, SMT.AGNES SABU
For the Respondents: SRI.C.AJITH KUMAR, SMT.VARSHA S.S.

J U D G M E N T

1. The Petitioner has filed this Writ Petition seeking a direction to Respondent Nos.1 and 2 to remove the 'written-off' remark recorded in the credit records maintained by the Respondent No.3.

2. According to the Petitioner, the Petitioner had settled the liability with the Respondent No.1/Bank and the liability was not written off by the Respondent No.1. The Respondent No.1 Bank wrongly communicated the mode of closure of the loan as 'written-off'.

3. The learned Standing Counsel for Respondent Nos.1 and 2, on instructions, submitted that it was by mistake that the Bank communicated the loan as 'written-off' instead of 'settled' to the Respondent No.3. They are ready to send communication to Respondent No.3 to correct the remark from 'written-off' to 'settled'.

4. Accordingly, this Writ Petition is disposed of, directing the Respondent Nos.1 and 2 to issue Communication to the Respondent No.3 that the loan availed by the Petitioner is 'settled' and not 'written-off' to enable the Respondent No.3 to update the records, within a period of two weeks from the date of receipt of a certified copy of the judgment and further directing the Respondent No.3 to update the recor

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