IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE BASANT BALAJI THURSDAY, THE 26^TH DAY OF FEBRUARY 2026 / 7TH PHALGUNA, 1947 WP(C) NO. 7370 OF 2026 PETITIONER/S:

PRIYA, AGED 54 YEARS W/O. PANCHAT ANIL KUMAR, PANCHAT HOUSE, PERUMBILISHERRY DESOM, CHERPU P.O., CHOVOOR VILLAGE, THRISSUR TALUK, THRICHUR TALUK, THRISSUR, PIN – 680561.

BY ADV SHRI.VIJAYAN.K RESPONDENT/S:

1 THE THRISSUR URBAN CO-OPERATIVE BANK LTD, NO: 87, HEAD OFFICE, MISSION QUARTERS, THRISSUR DISTRICT, REPRESENTED BY ITS MANAGER, PIN - 680001

2 AUTHORISED OFFICER, THRISSUR URBAN CO-OPERATIVE BANK LTD, NO: 87, HEAD OFFICE, MISSION QUARTERS, THRISSUR DISTRICT,, PIN - 680001 SRI. DEVAPRASANTH P.J., SC THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 26.02.2026, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:

JUDGMENT

Dated this the 26^th day of February, 2026 The petitioner along with her husband availed a mortgaged loan from the respondent-Bank for a sum of Rs.15,00,000/-. Since there was default in repayment, the respondents initiated proceedings under the SARFESI Act. The petitioner approached the bank with a representation seeking to pay off the overdue amount in installments. But, the