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2026 Supreme(Online)(Ker) 15807

IN THE HIGH COURT OF KERALA AT ERNAKULAM
Bechu Kurian Thomas, J
Jayan A – Appellant
Versus
Kerala State Financial Enterprises Ltd (KSFE) – Respondent
WP(C) NO. 8415 OF 2026



Advocates:
For the Appellants/Petitioners: Sri.C.C.Anoop, Sri.G.Manu
For the Respondents: Sri.P.C.Anilkumar, Smt.Amminikutty K.

Authority to grant instalment repayment in revenue recovery proceedings balances creditor rights with debtor relief.

Headnote:The petitioner, aggrieved by revenue recovery proceedings initiated due to loan default, seeks to repay the due amount in instalments as per the expired one-time settlement scheme. The court allows instalment repayment, stipulating that recovery proceedings will be stayed as long as payments are made timely. The petitioner must repay Rs.9,21,984/- in 15 instalments starting March 30, 2026, with appropriate consequences for non-compliance.

Table of Content
1. petitioner's challenge to revenue recovery based on loan default. (Para 1 , 2)
2. respondents agreed to instalment repayment conditions. (Para 3)
3. court's directive on repayment terms and consequences of default. (Para 4)

JUDGMENT

Petitioner is aggrieved by the revenue recovery proceedings initiated against him as per Ext.P1 demand notice.

2. Petitioner had availed a loan from the 1st respondent. Due to default in repayment, revenue recovery proceedings have been initiated as per Ext.P1 and an amount of Rs.9,21,984/- is due as on 31.03.2026. The limited relief now sought for by the petitioner is for a permission to repay the amount due from him in reasonable instalments. Though the petitioner claimed the benefit of one time settlement scheme, the said scheme expires by 31.03.2026 and therefore the petitioner expressed his inability to abide by the terms of the scheme.

3. The learned Standing Counsel, upon instructions, submitted that the respondents are wiling to accept repayment of the amount in instalments, provided, the petitioner does not commit any default in payment of the said instalments.

4. Having heard the learned counsel for the petitioner as well as the learned Government Pleader, I am of the view that the writ petition can be disposed of with a direction to repay the amount in reasonable instalments.

Accordingly, there will be a direction to respondents to accept the entire amount of Rs.9,21,984/- due from the petitioner along with future interests and costs in 15 equated monthly instalments with the first instalment commencing on 30.03.2026 and the remaining instalments on the 30th of every succeeding month. As long as the petitioner continues to pay the instalments as directed above, the revenue recovery proceedings shall be kept in abeyance. Needless to mention that, if in the event of default of any one instalment, the respondents shall be at liberty to initiate appropriate recovery proceedings.

The writ petition is disposed of as above.

Sd/-

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