APHC010599392025 IN THE HIGH COURT OF ANDHRA PRADESH AT AMARAVATI (Special Original Jurisdiction) [3327] THURSDAY, THE TWENTY SIXTH DAY OF FEBRUARY TWO THOUSAND AND TWENTY SIX PRESENT THE HONOURABLE SRI JUSTICE K SREENIVASA REDDY WRIT PETITION NO: 30994/2025 Between: 1. KOLLURU SRILAKSHMI, , W/O .R. MADHUSUDHAN, AGED ABOUT 28 YEARS, OCC. BUSINESS (N.R VENKATESWARA TRADERS) R/O.MAJJI STREET, M.VENKATAPURAM, GAJAPATHINAGARAM, VIZIANAGARAM, VIZIANAGARAM DISTRICT. ...PETITIONER AND 1. THE RESERVE BANK OF INDIA, REP. BY ITS GOVERNOR. 4TH FLOOR, AMAR BUILDING SIR P.M. ROAD MUMBAI - 400 001. 2. THE REGIONAL OFFICE OF RESERVE BANK OF INDIA, STALIN CENTRAL', D. NO 27-37-158, MG ROAD, GOVERNORPET, VIJAYAWADA. 3. THE MANAPPURAM FINANCE LIMITED, HEAD OFFICE MANAPPURAM, VALAPAD - 680567, THRISSUR, KERALA. 4. THE MANAPPURAM FINANCE LIMITED, BRANCH OFFICE BUILDING NO. 5-157/1, 1ST FLOOR. MAIN ROAD GOPALAPATNAM, VISHAKAPATNAM (530027). ...RESPONDENT(S): Counsel for the Petitioner: 1. K SRINIVAS Counsel for the Respondent(S): 1. MANNAM VENKATA KRISHNA RAO 2. GUNDAVARAPU PADMAVALLI SRK, J WP No.30994 of 2025 2 THE HONOURABLE SRI JUSTICE K SREENIVASA REDDY WRIT PETITION NO: 30994 of 2025 ORDER: This Writ Petition is filed seeking the following relief: “…to issue a Writ of Mandamus or any other appropriate Writ Order or direction declaring the action of the 4th respondent, sending recovery agents to the residence of the petitioner as well as making phone calls to the petitioner at odd hours is illegal. arbitrary and violation of Articles 14, 19 and 21 of constitution of India consequently direct the 3rd and 4th respondents to follow the procedure contemplated by law to recover any loans that may be due to the respondents and pass…” 2. Heard learned counsel for the petitioner and the learned counsel appearing on behalf of the respondents. 3. Case of the petitioner herein is that the petitioner obtained a loan from 4th respondent by mortgaging her immovable properties. As per the loan terms and conditions, the petitioner’s EMIs commenced in January 2025. Despite the petitioner’s bona fide intention and continued efforts to discharge her loan obligations, 4th respondent/Bank, in collusion with its recovery agents, has been resorting to coercive recovery measures that are wholly contrary to the regulations and directions issued by the Reserve Bank of India. 4. It is submitted by the learned counsel for the Petitioner that the subject matter of this Writ Petition is squarely covered by the SRK, J WP No.30994 of 2025 3 Order passed by a Coordinate Bench of this Court vide W.P.No.285 of 2025, dated 07.01.2025. 5. Learned counsel appearing on behalf of the respondents submits that the Court may pass appropriate orders. 6. Considering the submissions made, following the said Order passed by a Coordinate Bench of this Court in W.P.No.285 of 2025, dated 07.01.2025 and taking into consideration of the facts and circumstances of the case, this Court is inclined to dispose of the present writ petition with a direction to respondents 3 and 4 to adhere to the guideline No.7.4 of Master Direction-RBI (Regulatory Framework for Microfinance Loans) Directions, 2022, dated 14.03.2022, while proceeding with the recovery of money from the petitioner. 7. With the above directions, the Writ Petition is disposed of. There shall be no order as to costs. As a sequel thereto, the miscellaneous petitions, if any, pending in this Writ Petition shall stand closed. ________________________ K. SREENIVASA REDDY, J. Date:26.02.2026 Asr SRK, J WP No.30994 of 2025 4 HON’BLE SRI JUSTICE K. SREENIVASA REDDY Writ Petition No.30994 of 2025 Date:26.02.2026 Asr