2025:KER:30865 WP(C) No.13713 of 2025 1 IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR.JUSTICE MURALI PURUSHOTHAMAN TUESDAY, THE 8 TH DAY OF APRIL 2025 / 18TH CHAITHRA, 1947 WP(C) NO. 13713 OF 2025 PETITIONER: PRASANNA K AGED 70 YEARS W/O. LATE PREMARAJAN, KORAMBATH HOUSE, POTHUVACHERY P.O, KADACHIRA KANNUR, PIN - 670621 BY ADVS. BOBY THOMAS WINSTON K.V G.MOTILAL BINU BOSE PAUL T. SAMUEL AFSAL P. BASHEER RESPONDENTS: 1 DEPUTY TAHSILDAR KANNUR TALUK, KANNUR TALUK OFFICE, KANNUR, PIN - 670002 2 KERALA STATE COOPERATIVE BANK (KERALA BANK) KANNUR EVENING BRANCH, TALAP, KANNUR P.O, KANNUR, REPRESENTED BY ITS SECRETARY., PIN - 670002 BY ADV M.SASINDRAN, SC SMT.RESMI THOMAS, GOVT. PLEADER THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 08.04.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING: 2025:KER:30865 WP(C) No.13713 of 2025 2 JUDGMENT The loan availed by the petitioner from the 2 nd respondent Kerala Bank fell in arrears. The Society initiated revenue recovery proceedings. Ext.P1 is the demand notice issued under Section 7 of the Kerala Revenue Recovery Act, 1968. Challenging Ext.P1, the petitioner has filed this writ petition. The petitioner has also sought for a direction to the Bank to permit her to pay the amount due in instalments and to regularise her loan account. 2. Sri.M.Sasindran, the learned Standing Counsel for the respondent Bank, on instructions, submits that as on 30.03.2025, an amount of Rs.1,12,033/- is overdue in the loan account of the petitioner and the petitioner can be permitted to pay the said amount in reasonable instalments. 3. The learned counsel for the petitioner submits that the petitioner may be permitted to pay the overdue amount in 15 equal monthly instalments. 4. In the facts and circumstances of the case, there will be a direction to the petitioner to pay the overdue amount of 2025:KER:30865 WP(C) No.13713 of 2025 3 Rs.1,12,033/- in 15 equal monthly instalments commencing from 15.05.2025, along with accrued interest and applicable charges. The instalments as above shall be payable in addition to the regular EMIs. If the petitioner defaults payment of any of the instalments, it will be open to the respondent Bank to proceed against her for recovery of the amount, in accordance with law. To enable the petitioner to repay the amount in instalments as above, all coercive proceedings against her pursuant to Ext.P1 shall stand deferred. The writ petition is disposed of. Sd/- MURALI PURUSHOTHAMAN JUDGE smp 2025:KER:30865 WP(C) No.13713 of 2025 4 APPENDIX OF WP(C) 13713/2025 PETITIONER EXHIBITS Exhibit P1 TRUE COPY OF DEMAND NOTICE DATED 29.01.2025 ISSUED BY THE 1ST RESPONDENT