$~59 * IN THE HIGH COURT OF DELHI AT NEW DELHI + W.P.(C) 9998/2026 MANGAT SINGH ASWAL .....Petitioner Through: Mr. Sujit Kumar Sinha versus RESERVE BANK OF INDIA & ANR. .....Respondent Through: CORAM: HON'BLE MR. JUSTICE JASMEET SINGH O R D E R % 23.07.2026 CM APPL. 46526/2026 Allowed subject to all just exceptions. The application stands disposed of. W.P.(C) 9998/2026 1. This is a writ petition filed under Article 226 of the Constitution of India seeking the following prayers:- “(A) Issue an appropriate writ, order or direction, particularly in the nature of Mandamus, directing Respondent No. 1 to consider, decide and dispose of the Petitioner's com plaint/representation dated 01.09.2025 1n a time-bound manner and in accordance with law; B) Direct Respondent No. 1 to pass a reasoned and speaking order on the Petitioner's aforesaid complaint/ representation after duly considering the facts, documents and legal This is a digitally signed order. The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 30/07/2026 at 15:15:47 submissions placed on record by the Petitioner; (C) Direct Respondent No. 1 to decide the Petitioner's complaint/representation within such time as this Hon'ble Court may deem fit and proper in the facts and circumstances of the case; (D) Direct Respondent No. 1 to communicate the decision taken on the Petitioner's complaint/ representation to the Petitioner forthwith after its disposal; (E) Award costs of the present proceedings in favour of the Petitioner;...” 2. The brief facts of the case are that the petitioner availed a housing loan from respondent No. 2 on 23.07.2022 for the purchase of a residential property, with repayment scheduled through 240 EMIs commencing from 05.10.2022. On 05.03.2024, the petitioner foreclosed the loan by remitting a total sum of Rs. 1,90,00,000/-, out of which Rs. 1,81,83,201/- was appropriated towards the outstanding principal liability. 3. Despite complete repayment of the loan, respondent No. 2 unlawfully levied foreclosure charges of Rs. 10,90,716/- and recovered a total amount of approximately Rs. 12,89,221/- (inclusive of applicable taxes), which the petitioner paid under protest to secure closure of the loan account and release of the mortgaged property documents. 4. Thereafter, the petitioner repeatedly requested respondent No. 2 through e-mails followed by a detailed representation dated 02.06.2025, seeking refund of the illegally recovered foreclosure charges. This is a digitally signed order. The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 30/07/2026 at 15:15:47 5. As no effective action was taken, the petitioner lodged a complaint before respondent No. 1 (Reserve Bank of India) on 01.09.2025. Although respondent No. 1 informed the petitioner on 15.09.2025 that the complaint had been forwarded to Respondent No. 2 for comments, no reasoned decision has been passed on the complaint. 6. Hence the present petition. 7. There is nobody appearing on behalf of the respondents. 8. I am of the view that the petitioner’s email needs to be addressed by the respondent No.1 in accordance with extant rules and regulations. 9. In view of the above, the petition is allowed and it is directed that the respondent No.1 shall decide and dispose of the petitioner’s complaint/representation dated 01.09.2025 in accordance with extant rules, regulations and RBI guidelines and pass a speaking order expeditiously and not later than 4 weeks from today. 10. The petition is disposed of in the aforesaid terms. 11. The order passed by respondent No. 1 shall be communicated to the petitioner as well as his counsel on email being sujitkumarsinha0786@gmail.com. JASMEET SINGH, J JULY 23, 2026 / (MS) This is a digitally signed order. The authenticity of the order can be re-verified from Delhi High Court Order Portal by scanning the QR code shown above. The Order is downloaded from the DHC Server on 30/07/2026 at 15:15:47