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2026 Supreme(Online)(Ker) 19193

IN THE HIGH COURT OF KERALA AT ERNAKULAM
P. V. BALAKRISHNAN, J
LIJIMOL.J.L – Appellant
Versus
THE AUTHORISED OFFICER CHIEF MANAGER STATE BANK OF INDIA – Respondent
WP(C) NO. 9822 OF 2026



Advocates:
For the Appellants/Petitioners: SMT.LIZA P. CHERIAN
For the Respondents: SHRI.MAHADEV M.J., CGC

The petitioner must pursue alternate statutory remedies available under relevant debt recovery laws rather than seeking extraordinary jurisdiction.

Headnote:This Writ Petition seeks directions against respondents to defer coercive measures for possession based on a Recovery Certificate issued by the Recovery Officer. The petitioner contends the proceedings are illegal and argues against the issuance of a Recovery Certificate. The respondents argue the petitioner has an efficacious remedy under Section 30 of the Recovery of Debts and Bankruptcy Act, 1993. The Court finds merit in the respondents' argument, hence dismisses the writ petition without exercising jurisdiction under Article 226, but allows the petitioner to seek alternative remedies.

Table of Content
1. petition filed for deferment of coercive measures. (Para 1)
2. petitioner's arguments against the legality of recovery certificate. (Para 2 , 3)
3. court advised to seek alternate remedies under the act. (Para 5)

P.V. BALAKRISHNAN, J.

…………………………................................

W.P.(C)No. 9822 of 2026 ….........................................................

Dated this the 12th day of March 2026 JUDGMENT This Writ Petition has been filed seeking a direction to the respondents 1 and 2 to defer the coercive measures taken for possessing the property, in pursuance of Ext.P2 Recovery Certificate issued by the Recovery Officer.

2. Heard the learned counsel for the petitioner and the learned counsel for respondents 1 and 2.

3. The learned counsel for the petitioner submitted that the entire proceedings initiated by the respondent–bank and the Recovery Certificate issued consequentially, are illegal. She also contended that the Recovery Officer is not entitled to issue Ext.P2 Recovery Certificate and thereby, appoint an Advocate Commissioner to take possession of the property.

4. Per contra, the learned Standing Counsel for respondents 1 and

2 opposed the said submission and contended that the petitioner has an efficacious alternative remedy under Section 30 of the Recovery of Debts and Bankruptcy Act, 1993 . Hence, he prayed that this Court may not invoke the jurisdiction under Article 226 of the Constitution of India in this case.

5. On an anxious consideration of the rival submissions and materials on record, I find considerable force in the submissions made by the learned counsel for respondents 1 and 2. As per Section 30 of the Recovery of Debts and Bankruptcy Act, 1993 , any person aggrieved by an order of the Recovery Officer made under the Act can prefer an appeal to the Debts Recovery Tribunal. If so, the petitioner can very well approach the Tribunal by filing an appeal wherein she can also challenge the vires of the order now passed by the Recovery Officer.

In such circumstances, I am not inclined to exercise the extraordinary jurisdiction vested under Article 226 of the Constitution of India in this case. Hence, this writ petition is dismissed without prejudice to the contentions and the right of the petitioner to avail the alternative statutory remedy.

Sd/-

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