J U D G M E N T

Petitioner availed credit facilities from the 1^st respondent bank. On default being committed proceedings have been initiated against the petitioner under the provisions of the Kerala State Co-operative Agricultural and Rural Development Banks Act , 1984, prompting the petitioner to approach this Court by filing the above writ petition.

2. During the course of hearing, petitioner has confined the relief to an opportunity for repaying the overdue amount in installments and to obtain regularization of the loan account.

3. It is submitted on behalf of the respondent bank that the petitioner committed default in repayment and the overdue amount is Rs.8,90,000/- (Rupees Eight lakh Ninety Thousand only) as on today (26.02.2026). It is further submitted that though proceedings for recovery have been initiated, as a matter of indulgence, the respondent bank is willing to accept repayment of the overdue amount in limited installments and regularize the loan account.

4. Having regard to the circumstances of the case and the submissions made as recorded above, I am of the view that the petitioner can be granted an opportunity to repay the overdue amount in ten(10) installments