2026:JHHC:24225 Page | 1 IN THE HIGH COURT OF JHARKHAND AT RANCHI W.P.(C) No. 5224 of 2026 ------ Subhashri Devi, W/o Lt. Santraj Baraik, Village-Ghaghra, PO + PS- Ghaghra, Dist-Gumla. … … Petitioner(s) Versus 1. The State of Jharkhand, through its Chief Secretary PO+ PS- Dhurwa, Dist-Ranchi. 2. Deputy Commissioner, Gumla, PO-Gumla, PS-Gumla. 3. State Bank of India through its Branch Manager, Palkot Road, Gumla Branch, Gumla, PO + PS-Gumla. … … Respondent(s) ------ CORAM : SRI ANANDA SEN, J. ------ For the Petitioner(s) : Mr. Baibhaw Gahlaut, Advocate Mr. Shashank Shekhar No.2, Advocate For the Respondent(s) : Ms. Deepika Jojowar, AC to SC-VI Mr. Rajesh Kumar, Advocate Mr. Amit Kumar, Advocate Ms. Manish Kumari Sinha, Advocate ------ 03/ 13th August, 2026 1. Heard the parties. 2. Learned counsel for the petitioner submits that there is sufficient amount in the account of the petitioner from where on monthly basis, the EMI can be deducted but the respondents for reasons best known have freezed the entire bank account. 3. Learned counsel appearing on behalf of the Bank submits that the husband of the petitioner had taken a loan against pension for which an EMI was fixed at Rs.12,701/-. The petitioner has also put her thumb impression in the said loan document. Thus, the petitioner is aware of the same loan and recovery of the EMIs from the pension. 4. The learned counsel for the Bank further submits that against an insurance policy an amount of Rs.7,33,179.68 has already been paid to the petitioner which they have appropriated, without liquidating the loan. 5. At this stage, the learned counsel for the petitioner submits that the petitioner will maintain a minimum balance of Rs.75,000/- in her account and after deductions, if at any point of time, the balance falls below Rs.75,000/-, it will be open to the bank to freeze the account again. 2026:JHHC:24225 Page | 2 6. Considering the said submission of the learned counsel for the petitioner, this writ petition is disposed of with a direction to the bank to de-freeze the account immediately and in terms of the submission of the petitioner, if the balance falls below Rs.75,000/-, it will be open to the Bank to freeze the account again. 7. It will be open to the petitioner to approach the Bank if the petitioner wants to liquidate the loan immediately. 8. It is needless to say that the bank will go on deducting the EMI amount from the pension amount of the petitioner. (ANANDA SEN, J.) 13th August, 2026 S.K.D/CP-2 Uploaded on 14 /08/2026