S. No. 146 Regular list HIGH COURT OF JAMMU & KASHMIR AND LADAKH AT SRINAGAR WP(C) 2225/2025 CM (5884/2025) RUKHSANA AKHTAR …Petitioner/Appellant(s) Through: Mr. Shabir Ahmad Dar, Advocate. Vs. CHAIRMAN J AND K BANK AND ORS ...Respondent(s) Through: Ms. Aneesa, Advocate vice Mr. N. A. Dandroo, Advocate. CORAM: HON’BLE MR. JUSTICE MOHD YOUSUF WANI, JUDGE. ORDER 10.09.2025 1. Heard. 2. Case of the petitioner is that she, in the year-2022 approached online to the department of Khadi and Village Industries for recommendation of the sanction of loan in terms of the Prime Minister’s Employment Generation Programme Scheme (PMEGP) to the extent of Rs. 5.00 lacs, so as to establish her weaving business unit at Kreeri, Wagora, Baramulla. That the department concerned recommended her case to the Jammu & Kashmir Bank for sanction of loan, and, as per the provisions of the PMEGP scheme under which the loan was recommended for sanction, she was to get the subsidy of Rs. 1,75,000/- (35 percent of the approved project cost). That the respondent bank accordingly sanctioned loan as recommended in her favour. That subsequently, after starting her business unit, she was confronted with some post marriage difficulties, owing to which fact, her business unit got closed. That she could not regularly pay Equated Monthly Instalments (EMI) towards her loan account, owing to which fact, her account was declared non-performing. That she being a lady approached the respondent/Bank authorities requesting them that she wants to close her account by one time payment of the outstanding loan amount, provided, they adjust the admissible subsidy amount. That the respondents are not adjusting her admissible subsidy amount against total outstanding, which fact has kept the matter lingering on, leading to the rise in her difficulties. 3. The petitioner has accordingly sought for issuance of direction/writ in the nature of mandamus for commanding upon the respondents that they shall take immediate steps for allowing her to liquidate her loan amount in one go, after adjustment of the admissible subsidy amount. 4. It is submitted by the learned counsel for the petitioner that the matter can be disposed of at this threshold stage by directing the respondents to consider the case of the petitioner for one time settlement after adjustment of the admissible subsidy amount against the outstanding loan amount. 5. Perused the petition and the copies of the documents enclosed with the same. Considered the submissions of the learned counsel for the petitioner. 6. The appearing counsel for the respondents is not opposing the disposal of the case at this threshold stage by passing appropriate directions for consideration of the case of the petitioner in the light of his pleadings. 7. In the facts and circumstances of the case, this Court is of the opinion that it may meet the ends of the justice in case the petition is disposed of at this threshold stage by passing of appropriate orders which are not likely to prejudice the interests of the respondents-Bank. 8. Accordingly, the instant petition is disposed of at this threshold stage with the direction to the respondents/J & K Bank to actively consider the case of the petitioner for her one time settlement of the outstanding loan amount after adjustment of the admissible subsidy amount, having regard to the fact that the loan came to be sanctioned on the recommendations of the Khadi & Village Industries Department under Prime Minister’s Employment Generation Programme Scheme (PMEGP). The respondents shall accord consideration to the petitioner’s case within a period of one month and shall submit the compliance report to the Registry of this Court within a period of one week thereafter. 9. Disposed of. (MOHD YOUSUF WANI) JUDGE SRINAGAR: 10.09.2025 “Hilal”