- 1 - HC-KAR NC: 2026:KHC:20084 WP No. 11478 of 2026 IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 10TH DAY OF APRIL, 2026 BEFORE THE HON'BLE SMT. JUSTICE LALITHA KANNEGANTI WRIT PETITION NO. 11478 OF 2026 (GM-DRT) BETWEEN: 1. SMT. MUNINARAYANAMMA (BORROWER) W/O CHIKKAKADIRAPPA AGED ABOUT 42 YEARS OCCUPATION HOUSE HOLD WORK AND COOLI. 2. CHIKKAKADIRAPPA (CO-BORROWER) S/O MUNINARAYANAPPA AGED ABOUT 58 YEARS OCCUPATION COOLI BOTH ARE R/AT NO.90/35 SAMASENAHALLI VILLAGE DODDAPAIYAGURKI GRAMA PANCHAYATH, CHIKKABALLAPURA TALUK AND DISTRICT - 562 104. …PETITIONERS (BY SRI HANUMANTHAPPA HARAVI, ADV.) AND: JANA SMALL FINANCE BANK LTD (FORMERLY KNOWN AS JANALAKSHMI FINANCE SERVICES LTD.,) HAVING ITS REGISTERED OFFICE AT THE FAIRWAY GROUND AND FIRST FLOOR SURVEY NO.10/1, 11/2 AND 12/2B, OFF DOMLUR KORAMANGALA INNER RING ROAD NEXT TO EGL BUSINESS PARK CHALLAGHATTA, BENGALURU - 560 071 REGIONAL BANK OFFICE AT DIVYASREE CHAMBERS11, O SHAUGHNESSY ROAD 5TH FLOOR, A WING OFF LANGFORD ROAD SHANTHI NAGAR, BENGALURU - 560 025 REPRESENTED BY Digitally signed by NANDINI M S Location: HIGH COURT OF KARNATAKA - 2 - HC-KAR NC: 2026:KHC:20084 WP No. 11478 of 2026 ITS AUTHORIZED OFFICER MR. RANJAN HANUMANT NAIK …RESPONDENT THIS WP IS FILED UNDER ARTICLES 226 AND 227 OF THE COSNTITUTION OF INDIA PRAYING TO QUASHING OF IMPUGNED ORDER DATED 21.02.2026 PASSED BY THE HONBLE PRL. SENIOR CIVIL JUDGE AND CJM AT CHIKKABALLAPURA DATED 21.02.2026 PASSED IN CRIMINAL MIS PETITION NO. 95/2025 VIDE ANNX-E. THIS PETITION, COMING ON FOR PRELIMINARY HEARING, THIS DAY, ORDER WAS MADE THEREIN AS UNDER: CORAM: HON'BLE SMT. JUSTICE LALITHA KANNEGANTI ORAL ORDER The present writ petition is filed seeking for the following prayers:- "i) Issue a Writ in the nature of Certiorari, quashing of impugned order dated 21-02- 2026 passed by the Hon'ble Principal Senior civil Judge and CJM at Chikkaballapura dated 21-02-2026 passed in Criminal Mis. Petition No.95/2025 vide Annexure-E. ii) Issue a Writ, or order or direction as this Hon'ble Court deems fit under the circumstances of case in the interest of justice and equity." - 3 - HC-KAR NC: 2026:KHC:20084 WP No. 11478 of 2026 2. In the light of the law laid down by the Hon'ble Supreme Court in the case of Phoenix Arc Private Limited vs. Vishwa Bharati Vidya Mandir and Others reported in (2022) 5 SCC 345, the writ petition against private financial institution is not maintainable. Accordingly, the writ petition is disposed of. 3. Liberty is reserved to the petitioner to avail the appropriate remedy available to him and he shall have the benefit of Section 14 of the Limitation Act, 1963. 4. All pending I.As, if any, in the writ petition shall stand closed. Sd/- (LALITHA KANNEGANTI) JUDGE DN List No.: 1 Sl No.: 7