IN THE HIGH COURT OF HIMACHAL PRADESH, SHIMLA CWP No. 14768/2025 Decided on: 18.09.2025 Mangat Ram …Petitioner Versus State of H.P. & Ors. .…Respondents. ………………………………………………………………………………. Coram Ms. Justice Jyotsna Rewal Dua, Judge. Whether approved for reporting?1 For the petitioner: Ms. Seema Azad, Advocate. For the respondent: Mr. Y.P.S. Dhaulta, Additional Advocate General, for respondents No.1. Mr. Pramod Thakur, Advocate, for respondents No.2 to 4. Jyotsna Rewal Dua, J Notice. Mr. Y.P.S. Dhaulta, learned Additional Advocate General and Mr. Pramod Thakur, learned counsel, accept notice on behalf of respondents No.1, 2 to 4, respectively. With the consent of learned counsel for the parties, the matter is heard at this stage. 2. The case set up by the petitioner is that he had obtained loan of Rs.1,40,000/- from the respondents-Bank in the year 2016 under the Kisaan Credit Card (KCC) Scheme; An amount of 1 Whether reporters of the local papers may be allowed to see the judgment? yes 2 Rs.1,20,000/- was withdrawn by him from the said loan account; Petitioner paid some instalments of the loan amount but on account of financial problems, the loan could not be re-paid; KCC limit became Non-Performing Asset. Petitioner statedly belongs to poor family and is said to be suffering from 58% permanent disability. Respondents-Bank have issued recovery notice to the petitioner on 24.06.2022. 3. Learned counsel for the petitioner submitted that petitioner represented to the respondents-Bank on 10.08.2025 (Annexure P-5) for settling his loan under the One Time Settlement (OTS) Scheme-2024. According to learned counsel, the scheme is still in force. Learned counsel further submitted that the petitioner would be satisfied, in case, respondents-Bank are directed to consider the aforesaid representation of the petitioner under the said OTS Scheme. Learned counsel for respondents-Bank submitted that in case, the OTS is applicable to the case of the petitioner, the respondents-Bank will examine petitioner’s representation and will take action accordingly. 4. In view of above, without examining the merits of the matter as also the maintainability of this writ petition, the same is disposed of by directing respondents-Bank to decide petitioner’s representation dated 10.08.2025 (Annexure P-5) by examining the 3 same under One Time Settlement Scheme-2024 within two months. The order so passed be also communicated to the petitioner. Till the decision of the representation, no coercive action shall be taken against the petitioner. Pending miscellaneous application(s), if any, shall also stand disposed of. Jyotsna Rewal Dua Judge 18th September, 2025(rohit)