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High Court of Karnataka · body

2025 DAILYLAW 42845 (KAR)

MR VIJAY KUMAR v. THE STATE OF KARNATAKA

CRL.P/11405/2022 · 2025-10-14

M I Arun

body2025

Judgment text

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- 1 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 14TH DAY OF OCTOBER, 2025 BEFORE THE HON'BLE MR. JUSTICE M.I.ARUN CRIMINAL PETITION NO.11405 OF 2022 (482 (Cr.PC)/528(BNSS)) BETWEEN: 1. MR. VIJAY KUMAR S/O SRI SAMPATH D AGED ABOUT 45 YEARS RECOVERY AGENT MANIPAL HOUSING FINANCE SYNDICATE LTD. NO.116, NORTH BLOCK MANIPAL CENTER DICKENSON ROAD BANGALORE-560 042 REGISTERED OFFICE AT: MANIPAL HOUSE MANIPAL. …PETITIONER (BY SRI. B.S. MAHENDRA, ADVOCATE) AND: 1. THE STATE OF KARNATAKA BY PULIKESHINAGARA POLICE STATION BANGALORE REP. BY SPP, HIGH COURT, BANGALORE-1. Digitally signed by GEETHA P G Location: HIGH COURT OF KARNATAKA - 2 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 2. MR. SURESH BABU D.M. S/O SRI C.D. MUTHU SWAMY AGED ABOUT 56 YEARS R/AT NO.15, KENCHAPPA ROAD CROSS FRAZER TOWN BANGALORE-560 005. …RESPONDENTS (BY SRI. NAGESHWARAPPA K., HCGP FOR R.1; SRI. S.S.MULIMANI, ADVOCATE FOR R.2. (ABSENT)) THIS CRIMINAL PETITION IS FILED UNDER SECTION 482 OF THE CODE OF CRIMINAL PROCEDURE, PRAYING TO QUASH THE COMPLAINT DATED 13.08.2022 AND FIR IN CRIME NO.248/2022 DATED 14.08.2022 REGISTERED BY PULAKESHINAGAR POLICE STATION, BENGALURU FOR THE OFFENCE 3(1)(s), 3(1)(z) SC AND ST ACT (POA) AND IPC UNDER SECTIONS 504 AND 506 AGAINST THE PETITIONER/ACCUSED NO.1, ETC. THIS PETITION, COMING ON FOR ADMISSION, THROUGH PHYSICAL HEARING/VIDEO CONFERENCING THIS DAY, ORDER WAS MADE THEREIN AS UNDER: CORAM: HON'BLE MR. JUSTICE M.I.ARUN - 3 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 ORAL ORDER Respondent No.2 had availed a home loan from M/s. Manipal Housing Finance Syndicate Limited and has mortgaged his property as a security for the loan. 2. The petitioner is an employee of the said M/s. Manipal Housing Finance Syndicate Limited. 3. Respondent No.2 has committed default in repayment of the loan. Consequently, M/s. Manipal Housing Finance Syndicate Limited has initiated appropriate proceedings under the provisions of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 ('SARFAESI Act' for short) to recover the loan by attaching and selling the mortgaged property. In this regard, the petitioner being an employee of M/s. Manipal Housing Finance Syndicate Limited, was sent to serve notice on respondent No.2 personally. - 4 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 4. The allegation made by respondent No.2 against the petitioner is that at the time of serving the notice, the petitioner has abused respondent No.2 verbally as he belonged to Scheduled Caste/Scheduled Tribe and has threatened to murder him. 5. Based on the complaint lodged by respondent No.2, Special Case No.2200/2022 has been registered on the file of the Additional City Civil Judge and Sessions Court (CCH-71), Bengaluru. Aggrieved by the same, the present petition is filed with the following prayer: "WHEREFORE the Petitioner pray that this Hon'ble court be pleased to quash the Complaint dated 13.08.2022 and FIR in Crime No.248/2022 dated 14.08.2022 registered by Pulakeshinagar Police Station Bangalore for the Offence 3(1)(s), 3(1)(z) SC and ST Act (Prevention of Atrocities) and IPC U/s 504, 506 against the Petitioner/Accused No.1 and charge sheet dated in Crime No.248/2022 which is now pending in S.C.No.2200/2022 on the file of the 71st City Civil Judge and Session Court at Bangalore in the interest of justice and equity." - 5 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 6. The charge alleged against the petitioner by the prosecution as per the charge sheet is as under: "ಾದು ಾರರು ತಮ ಕುಟುಂಬ ೊಂೆ ೆಂಗಳರು ನಗರ ಪಲೇ ನಗರ !"ೕ# $ಾಣ - ಸರಹ(ೆ )ೇ*ದ ೆಂಚಪ, ರ)ೆ- ಾ.#ನ ಮ/ೆ ನಂ: 15 ರ"0 1ಾಸ1ಾ2ರು3ಾ-4ೆ. ಾದು ಾರರು ಆ ಾ.6ಡ 8ಾ9ೆ )ೇ*ದವ4ಾ2ರು3ಾ-4ೆ. ಾದು ಾರರು 3ಾವ 1ಾಸ1ಾ2ರುವ ಮ/ೆಯನು< ೆಂಗಳರು ನಗರದ =ೆನ>? ರ)ೆ-ಯ"0ರುವ ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMಯ"0 ಅಡOಾನ ಇಟುQ 2003 *ಂದ 2005ರ ನಡು1ೆ ಒಟುQ 45 ಲS ರೂ Tತ-ದ ಹಣವನು< CೋU Vೋ? ಆ2 ಪWೆದುೊಂ=ರು3ಾ-4ೆ. ಾದು ಾರರು 2019/ೇ )ಾ"Xಂದ CೋU Vೋ?ನ ಮರು Aಾವ9ಯನು< ಸಮಪಕ1ಾ2 Oಾಡ ೇ ಇದು(ದ*ಂದ ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMಯ ಮುಖZ ಕ[ೇ*\ಂದ ಕಲಂ : 13 SERFAEISI ACT- 2002 ರ ಅ=ಯ"0 ಾದು ಾರ*ೆ Vೋ? ಹಣವನು< ಕಟುQವಂ3ೆ ಇಲ01ಾದ4ೆ ಮ/ೆಯನು< ಜ^- Oಾಡು ವ ಾ2 /ೋ_ೕ# ಕಳ`aಸVಾ2ರುತ- ೆ. Vೋ? ಹಣ ಮರುAಾವ9ೆ ಸಂಬಂbEದಂ3ೆ ಾ ಮತು- ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMಯ ನಡು1ೆ 1ಾZಜZ ಇದು( ಾದು ಾರರು ಈ ಸಂಬಂಧ E_ E6B ೋI ಘನ E.E.Cೆf 31/ೇ /ಾZಾಲಯದ"0 ನ"0 ಓ.ಎ# ನಂ: 7546/2019 ರ"0 ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMಯ iೕVೆ ಾ1ೆಯನು< ಹೂ=ರು3ಾ-4ೆ. ಘನ E.E.Cೆf 31/ೇ /ಾZಾಲಯವ ಈ ಬೆj 6kಾರlೆ ನWೆE /ಾಂಕ: 22-10-2019 ರಂದು "Issue edparte temporary injuction order against the defendant restraining him or anybody representing him, his agents servents or anybody claiming under him from interfering with the plaintiffs peaceful possession and enjoyment over the suit schedule property as prayed for in I.A. NO.1 till next date of hearing" ಎಂಬು ಾ2 ಆ ೇಶ Cೊರ=Eರುತ- ೆ. ಾದು ಾರರು )ಾಲ ಮರುAಾವ9ೆ ಸಂಬಂಧ ಅವ*ೆ )ೇ*ದ 6ಜಾ ಾZಂn, 6ಜಯ ನಗರ oಾpೆಯ kೆn ನಂ: 316143ನು< ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMೆ Xೕ=ದ( kೆಕುq ೌ?> ಆದ ಸಂಬಂಧ ಮ@AಾB CೌEಂF Gೈ/ಾ?> ಸಂ)ೆMಯವರು ಾಯ 6ರುದr ಕಲಂ: 138 ಎ?.ಐ ಆnQ ಅ=ಯ"0 ಉಡು^ uVೆ0ಯ ಘನ - 6 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 3/ೇ 8ೆ.ಎಂ.ಎv.E. /ಾZಾಲಯದ"0 ಪ.ಕರಣ ಾಖ"Eದು(, ಈ ಪ.ಕರಣವ 6kಾರlೆಯ"0 ಇರುತ- ೆ. ಸದ* ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMಯ"0 ಸುXB ಎ? Aೈ ಎಂಬುವವರು ಎw>ಕೂZ_x Wೈ4ೆಕQy ಆ2ದು(, ಅoೆzೕn ಎ? ರವರು Wೆಪ{Z_ ಜನರB OಾZ/ೇಜy ಆ2ರು3ಾ-4ೆ, Cಾಗೂ ಈ ಸಂ)ೆMಯ ಪರ1ಾ2 6ಜ| ಕುOಾy. ಎ# ಎಂಾತನು Oಾೆ_ಂF ಏ8ೆಂI ಆ2 ೆಲಸ Oಾ=ೊಂ=ರು3ಾ-4ೆ. aೕ2ರು1ಾೆj /ಾಂಕ: 13-08-2022 ರಂದು ಸಂ8ೆ 4-00 ಗಂKೆಯ"0 ಾದು ಾರರು ರವರು ತಮ ಕುಟುಂಬ ೊಂೆ ಮ/ೆಯ"0ರು1ಾೆj ಅಂಕಣ-3 ರ"0 ನಮೂEರುವ ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMಯ Oಾೆ_ಂF ಏ8ೆಂI ಆ2 ೆಲಸ Oಾಡು9-ರುವ 1/ೇ ಆ4ೋ^ 6ಜ| ಕುOಾy.ಎ# ರವರು ಮ@AಾB CೌEಂF Gೈ/ಾ?> ಸಂ)ೆMಯ Wೆಪ{Z_ OಾZ/ೇಜy ಆದಂತಹ ಅoೆzೕn ರವರ ಸೂಚ/ೆಯ iೕ4ೆೆ ಾದು ಾರ*ೆ /ೋ_ೕ# 8ಾ* Oಾಡುವ ಸಲು1ಾ2 ಾದು ಾರರ ಮ/ೆಯ ಬ• ಬಂದು ತನ< TೈB ನಂಬy Xಂದ 9844264665 ಾದು ಾರರ TೈB ನಂಬy 9845561787 ೆ ಕ4ೆ Oಾ= Cೊರೆ ಬರುವಂ3ೆ ಬರುವಂ3ೆ 9•Eರು3ಾ-4ೆ. ಅದರಂ3ೆ ಾದು ಾರರು 3ಾವ 1ಾಸ6ರುವ #15ರ ಮ/ೆಯ 1/ೇ ಮಹ=\ಂದ ೆಳೆ ಇ•ದು ೆಂಚಪ, ರ)ೆ-ಯ ಾ.# ರ)ೆ-ಯ"0ದ( 1/ೇ ಆ4ೋ^ಯನು< €ೇ_ Oಾ= ಾಗ 1/ೇ ಆ4ೋ^ಯು ಮ@AಾB CೌEಂF Gೈ/ಾ?> Eಂ=ೇI "JKೆL ಸಂ)ೆMಯ \ಂದ Cೊರ=ಸVಾ2ದ( /ೋ_ೕಸನು< 8ಾ* Oಾ=ೊಳ`•ವಂ3ೆ ಾದು ಾರ*ೆ 9•Eರು3ಾ-4ೆ. ಈ ಸಂದಭದ"0 1/ೇ ಆ4ೋ^ಗೂ ಮತು- ಾದು ಾರ*ಗೂ ಮƒೆZ 1ಾಾ„ದ ನWೆದು( 1/ೇ ಆ4ೋ^ಯು ಪ* ಷQ 8ಾ9ೆ )ೇ*ದ ಾದು ಾರ*ೆ "9ಾ ಮು†‡ೊಂಡು ಮ/ೆ pಾ" Oಾಡು, Xೕವ ˆೆಡುZB‰ ಾZ#Q ನವರು Xಮೆ Vೋ? ೊಡುವ ೇ ತಪ,, Xೕವ ನಂŠೆ ಅಹರಲ0, Tೕಸಾರರು" ಎಂದು ಾದು ಾರರ 8ಾ9ಯನು< a=ದು )ಾವಜXಕ 1ಾ2 ೈದು ೊVೆ Oಾಡುವ ಾ2 ೆದ*ೆ Cಾwರುವದು ತXpೆ\ಂದ ದೃಢಪ_Qರುತ- ೆ. ಅಂಕಣ-4 ರ"0 ನಮೂEರುವ 1/ೇ ಆ4ೋ^ 6ಜ| ಕುOಾy.ಎ# ರವರು Tದ"ಾy 8ಾ9ೆ )ೇ*ದವ4ಾ2ದು(, ಪ* ಷQ 8ಾ9 ಅಥ1ಾ ಪ* ಷQ ಪಂಗಡೆq - 7 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 )ೇ*ದವ4ಾ2ರುವಲ0. ಆದ(*ಂದ ಆ4ೋ^ಯ 6ರುದr iೕಲqಂಡ ಕಲಂ *ೕ3ಾZ ೋˆಾ 4ೋಪಣ ಪ_Q ಸ"0Eರುತ- ೆ." 7. Counsel for respondent No.2 is absent. 8. The case of the petitioner is that respondent No.2 borrowed loan from the financial institution and committed default in repayment of the same. The provisions under the SARFAESI Act have been invoked to recover the loan by attaching and selling the property mortgaged. The petitioner had gone to the residence of respondent No.2 to serve notice on behalf of the financial institution personally upon respondent No.2. It is submitted in the course of the arguments that the petitioner was not even aware as to which community respondent No.2 belonged. It is further submitted that respondent No.2 instead of paying the loan has been trying his best to avoid repayment of the loan by filing frivolous case and the present case is also filed with the sole purpose of avoiding repayment of the loan. It is also submitted that the jurisdictional police without investigating the case properly has filed the charge sheet. - 8 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 9. Perusal of the charge sheet and the list of witnesses mentioned along with it and the statements of the witnesses recorded under Section 161 of Cr.P.C. reveal that the eye witnesses are alleged to be interested witnesses who are either close relatives or friends of respondent No.2. 10. Learned HCGP for respondent No.1, though justifies the action of the Police, is unable to dispute the fact that only interested witnesses have spoken in favour of the complainant. He is also not in a position to deny the fact that the matter primarily arose out of the transaction between respondent No.2 and the financial institution. 11. Perusal of the documents produced reveal that the dispute is primarily about non-repayment of the loan amount by respondent No.2 to the financial institution. The petitioner being an employee of the financial institution has gone to the residence of respondent No.2 to serve notice upon Chim with the sole intention of initiating - 9 - HC-KAR NC: 2025:KHC:41161 CRL.P No. 11405 of 2022 the recovery process. Respondent No.2 has filed the complaint misusing the provisions of the Scheduled Castes and the Scheduled Tribes (Prevention of Atrocities) Act, 1989. The police have failed to investigate the matter properly and based upon few statements made by the close relatives and friends of the complainant, charge sheet has been filed against the petitioner. Hence, under the given peculiar facts and circumstances of the case, I am of the opinion that it is a fit case to quash the proceedings pending against the petitioner. 12. Hence, the following: ORDER (i) The criminal petition is allowed; (ii) The proceedings in *Special Case No.2200/2022 pending on the file of the Additional City Civil Judge and Sessions Court (CCH- 71), Bengaluru, is hereby quashed. Sd/- (M.I.ARUN) JUDGE hkh. List No.: 1 Sl No.: 29 * Corrected Vide Court Order dated 02.04.2026.