- 1 - HC-KAR NC: 2026:KHC:2201 WP No. 9455 of 2025 IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 13TH DAY OF JANUARY, 2026 BEFORE THE HON'BLE MR. JUSTICE ASHOK S.KINAGI WRIT PETITION NO. 9455 OF 2025 (GM-DRT) BETWEEN: SRI VASANT KADAPPA GUDODAGI S/O LATE SRI KADAPPA GUDODAGI AGED 75 YEARS, RESIDING AT F-324, NO. 45/5, NEELADRIHAHAL, NANDIDURGA ROAD, BENGALURU-560 046 &PETITIONER (BY SRI. VASANT KADAPPA GUDODAGI (PARTY IN PERSON) AND: 1. THE INDIAN BANK A BODY CORPORATE CONSTITUTED UNDER THE BANKING COMPANIES (ACQUISITION AND TRANSFER OF UNDERTAKING) ACT, 1970 HAVING ITS HEAD OFFICE AT 254-260, ROYAPETTAH CHENNAI-600 014 AND THEIR BRANCH BANK AT NO. 77/8-1,2, BENSON CROSS ROAD, BENSON TOWN, BENGALURU-560 046, REPRESENTED BY ITS AUTHORISED OFFICER/BRANCH MANAGER, Digitally signed by KIRAN KUMAR R Location: HIGH COURT OF KARNATAKA - 2 - HC-KAR NC: 2026:KHC:2201 WP No. 9455 of 2025 2. THE ZONAL MANAGER, ZONAL OFFICE, INDIAN BANK, 4TH FLOOR, EAST WING, 26/27, RAHEZA TOWERS, M. G. ROAD, BENGALURU-560 001. 3. SMT. MEDHA AWASTHI, THE BRANCH MANAGER, INDIAN BANK, BENSON TOWN BRANCH, 77/8-1,2, BENSON CROSS ROAD, BENSON TOWN, BENGALURU-560 046. 4. SMT. AISHWARYA VANI, CRIDIT OFFICER, ZONAL OFFICE, INDIAN BANK, 4TH FLOOR, EAST WING, 26/27, RAHEZA TOWERS, M. G. ROAD, BENGALURU-560 001 &RESPONDENTS (BY SRI. NAIK ASHOK KASHINATH, ADVOCATE) THIS WRIT PETITION IS FILED UNDER ARTICLES 226 AND 227 OF THE CONSTITUTION OF INDIA PRAYING TO CALL FOR THE RECORDS RELATING TO THE IMPUGNED LETTER/ENDORSEMENT DATED 27.11.2024 OF THE 1ST RESPONDENT BANK AS PER ANNEXURE-M WHERE UNDER THE FIRST RESPONDENT BANK HAS UNILATERALLY AND ARBITRARILY SOUGHT TO MATERIALLY ALTER THE VERY TERMS OF THE LOAN AGREEMENT DATED 04.11.2004 AS PER VIDE ANNEXURE-B BY SUBSTITUTING THE FIGURES 296 FOR THE EXISTING FIGURES 240 IN RESPECT OF HOME LOAN A/C NO. 412307649 AFTER THE PETITIONER HAD REPAID TO THE 1ST RESPONDENT BANK THE ENTIRE LOAN AMOUNT WITH INTEREST. DECLARE THE IMPUGNED LETTER/ENDORSEMENT - 3 - HC-KAR NC: 2026:KHC:2201 WP No. 9455 of 2025 DATED 27.11.2024 ISSUED BY THE 1ST RESPONDENT BANK AS PER ANNEXURE-M UNILATERALLY ALTERING THE TERMS AND CONDITIONS OF THE DULY ENTERED HOME LOAN AGREEMENT DATED 04.11.2004 AS PER ANNEXURE-B IN MATERIAL DETAILS IS ULTRA VIRES AND NULL AND VOID AND CONTRARY TO THE INTERESTS AND OBJECTS OF THE 1ST RESPONDENT BANK AND THE RIGHTS OF THE PETITIONER. THIS PETITION, COMING ON FOR PRELIMINARY HEARING IN 8B9 GROUP, THIS DAY, ORDER WAS MADE THEREIN AS UNDER: CORAM: HON'BLE MR. JUSTICE ASHOK S.KINAGI ORAL ORDER 1. The petitioner/party-in-person filed this writ petition challenging the communication dated 27.11.2024 by the respondent Bank vide Annexure-M. 2. I have perused the Annexure-M. It is only an intimation to the petitioner regarding the repayment schedule of HL account No. 412307649. 3. The learned counsel for the respondent Bank submits that the respondents have not initiated any recovery proceedings as on today. The petitioner/party-in- person has challenged the letter vide Annexure-M. - 4 - HC-KAR NC: 2026:KHC:2201 WP No. 9455 of 2025 No such adverse order has been passed against the petitioner. 4. In view of the same, I do not find any grounds to entertain the writ petition. Accordingly, I proceed to pass the following order: ORDER i. The writ petition is dismissed. ii. A liberty is reserved to the petitioner to challenge the action of the respondent Bank, if any to be taken. iii. The petitioner/party-in-person on the last date of hearing has furnished an original demand draft bearing No.616517 dated 28.11.2025 for Rs.5,50,000/-. The office is directed to return the demand draft to the petitioner/party-in-person. Sd/- (ASHOK S.KINAGI) JUDGE SKS CT:KHV