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2026 Supreme(Online)(Ker) 26703

IN THE HIGH COURT OF KERALA AT ERNAKULAM
Anil K. Narendran, MuralEE KRISHNA S., JJ
ASIF BIN SAYED – Appellant
Versus
THE AUTHORIZED OFFICER, H.D.F.C. BANK LTD. – Respondent


Advocates:
For the Appellants/Petitioners: SHRI.V.S.AFSAL KHAN
For the Respondents: SMT.S.AMBILY, SMT.RUPA R. NAIR, SRI.K.K.CHANDRAN PILLAI (SR.)

Table of Content
1. borrower defaults on loans; bank initiates sarfaesi proceedings. (Para 1 , 2 , 3 , 4)
2. single judge dismisses writ; appeal challenges without addressing contentions. (Para 5 , 6 , 7 , 8 , 9)
3. writs not entertainable; pursue drt remedy under section 17 sarfaesi. (Para 10 , 11 , 12)

The appellant filed W.P.(C)No.10141 of 2026, invoking the extraordinary jurisdiction of this Court under Article 226 of the Constitution of India , seeking a writ of certiorari to quash Ext.P4 notice dated 03.03.2026 issued by the Advocate Commissioner appointed by the Chief Judicial Magistrate Court, Kottayam in M.C.No.18 of 2026, in a proceeding initiated by HDFC Bank Ltd. and its Authorised Officer, invoking the provisions under Section 14 of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act), seeking assistance of the Court to take possession of the secured asset; and a writ of mandamus commanding the respondent Authorised Officer of HDFC Bank to grant sufficient and reasonable time to the petitioner to clear off the legally outstanding overdue amount, and till such time direct the respondent to keep in abeyance

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