IN THE HIGH COURT OF PUNJAB & HARYANA AT CHANDIGARH Date of decision:- 17.02.2026 SHRIRAM FINANCE LIMITED .... Petitioner Versus PERMANENT LOK ADALAT AND ANOTHER .... Respondents CORAM: HON'BLE MR. JUSTICE SUVIR SEHGAL Present:- Mr. G.S. Sandhu, Advocate for the petitioner.

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1. This petition has been filed inter alia for issuance of a writ in the nature of certiorari for quashing order dated 02.12.2025, Annexure P-3, passed by Permanent Lok Adalat, Public Utility Services, Chandigarh, (for short “Lok Adalat”), whereby application filed by the petitioner under Section 8 of the Arbitration and Conciliation Act, 1996, (for short “Arbitration Act”), has been dismissed.

2. Counsel for the petitioner states that respondent No.2 availed a loan from the petitioner and entered into a loan-cum-hypothecation agreement. According to him, loan was repayable in 60 monthly installments along with interest, cost and other charges, but loanee defaulted in repayment. Counsel states that loanee approached the Lok Adalat by filing a petition, Annexure P- 1, under Section 22-C of the Legal Services Authorities Act, 1987,(for short “LSA Act”). Upon service, counsel states that petitioner filed an appl