BASANT BALAJI J ======================

W.P.(C) No. 7472 of 2026 ========================

Dated 27^th day of February, 2026 JUDGMENT The petitioner had jointly availed a home loan with her husband in the year 2023. Subsequently, the petitioner committed default in repayment of the loan amount as per the agreed terms. In view of the said default, the respondent Bank initiated recovery proceedings against the secured asset under the provisions of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act , 2002. Aggrieved by the measures so initiated by the respondent Bank under the said Act, the petitioner has approached this Court by filing the present writ petition.

2. The learned counsel for the respondent pointed out that the respondent is a private financial institution and, therefore, reliance is placed on the decision of the Supreme Court in Shoba S v. Muthoot Finance Ltd. , 2025 (2) KHC 229 and Cholamandalam Investment and Finance Company Limited v. Navayug India Facility Management Private Limited (2026 SCC Online 2181), and submitted that the writ petition is not maintainable against the said respondent.

However, taking into considerat