Karnataka High Court
Ravi Kumar vs Union Of India on 17 February, 2026
Author: B M Shyam Prasad
Bench: B M Shyam Prasad
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NC: 2026:KHC:9812
WP No. 34939 of 2025
HC-KAR
IN THE HIGH COURT OF KARNATAKA AT BENGALURU
DATED THIS THE 17TH DAY OF FEBRUARY, 2026
BEFORE
THE HON'BLE MR. JUSTICE B M SHYAM PRASAD
WRIT PETITION NO. 34939 OF 2025 (GM-RES)
BETWEEN:
RAVI KUMAR
S/O AJAY KUMAR,
AGED ABOUT 37 YEARS
R/AT FLAT NO.402, B-BLOCK,
ARAVIND SOWPARNIKA APARTMENT
SHANTHI NIKETHAN LAYOUT,
VYSYA BANK COLONY, AREKERE,
BANGALORE - 560 076.
...PETITIONER
(BY SRI. SHRAYANSH SINGH., ADVOCATE)
AND:
Digitally
signed by 1. UNION OF INDIA
VANAMALA
N REPRESENTED BY SECRETARY,
Location: MINISTRY OF FINANCE,
HIGH
COURT OF NORTH BLOCK, NEW DELHI - 110 001
KARNATAKA
2. THE MINISTRY OF FINANCE
GOVERNMENT OF INDIA,
REPRESENTED BY SECRETARY,
DEPARTMENT OF FINANCIAL SERVICES
NORTH BLOCK, NEW DELHI -110001
3. RESERVE BANK OF INDIA
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WP No. 34939 of 2025
HC-KAR
ESTABLISHED UNDER THE
RESERVE BANK OF INDIA ACT,
REPRESENTED BY MANAGER
HAVING ONE OF ITS OFFICES AT:
NRUPATHUNGA ROAD, BENGALURU - 560001
4. NATIONAL HOUSING BANK
REPRESENTED BY MANAGER
HAVING OFFICE AT: CORE S-A,
INDIA HABITAT CENTRE,
LODHI ROAD, NEW DELHI - 110003
5. TRANSUNION CIBIL LIMITED
A COMPANY INCORPORATED
UNDER THE COMPANIES ACT, 1956
(FORMERLY: CREDIT INFORMATION BUREAU
(INDIA) LIMITED) REPRESENTED BY.
MANAGING DIRECTOR
HAVING OFFICE AT: ONE INDIABULLS CENTRE,
TOWER 2A, 19TH FLOOR, SENAPAT BAPAT MARG,
ELPHINSTONE ROAD, MUMBAI - 400 013
6. STATE BANK OF INDIA
A BODY CORPORATE CONSTITUTED
UNDER STATE BANK OF INDIA ACT 1955
REPRESENTED BY BRANCH MANAGER
HAVING OFFICE AT: RACPC-II,
KORAMANGALA, BANGALORE
NO.12, 3RD FLOOR, 7TH MAIN,
ABOVE NRI KORAMANGALA BRANCH,
KORAMANGALA, BANGALORE,
KARNATAKA - 560 034
ALSO TO.
SBI SARB, NO.11/90, 3RD FLOOR,
NEAR OLD SHIVAJI THEATRE,
J C ROAD, BANGALORE
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WP No. 34939 of 2025
HC-KAR
REGISTERED OFFICE AT.
STATE BANK BHAVAN,
CORPORATE CENTRE,
MADAME CAMA ROAD,
MUMBAI, MAHARASHTRA-400 021
REP. BY ITS MANAGING DIRECTOR
7. M/S CMRS INFRASTRUCTURE
PRIVATE LIMITED
ALSO KNOWN AS GVG
INFRASTRUCTURE PVT. LTD.
A COMPANY INCORPORATED
UNDER THE COMPANIES ACT, 1956
(NOW COMPANIES ACT, 2013)
REPRESENTED BY. DIRECTOR(S)
HAVING OFFICE AT: NO.589,
60 FEET ROAD, AECS LAYOUT,
KUNDALAHALLI, BANGALORE,
KARNATAKA - 560 037
...RESPONDENTS
(BY SRI.B.M.KUSHALAPPA, CGC FOR R1 AND R2)
THIS W.P. IS FILED UNDER ARTICLES 226 AND
227 OF THE CONSTITUTION OF INDIA PRAYING TO A.
ISSUE A WRIT IN THE NATURE OF MANDAMUS OR ANY
OTHER APPROPRIATE WRIT, ORDER OR DIRECTION,
THEREBY RESTRAINING THE RESPONDENT
NO.6/FINANCIAL INSTITUTION FROM TAKING ANY
PUNITIVE ACTION AGAINST THE PETITIONER VIDE
LOAN ACCOUNT NO. 38305978245 AND 38306005003
RESPECTIVELY ANNEXURE-F (COLLY.): B. ISSUE A
WRIT IN THE NATURE OF MANDAMUS OR ANY OTHER
APPROPRIATE WRIT, ORDER OR DIRECTION TO THE
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WP No. 34939 of 2025
HC-KAR
RESPONDENT NO.6/FINANCIAL INSTITUTION TO
RECOVER THE LOAN AMOUNT, EMI'S AND THE
INTERESTS/PENALTY FROM THE RESPONDENT NO. 7
IN TERMS OF THE TRI-PARTITE AGREEMENT
(ANNEXURE-E); C. DIRECT THE RESPONDENT NO. 6 TO
ASSIST THE RESPONDENT NO.5 TO RECTIFY THE CIBIL
SCORE OF THE PETITIONER BY REMOVING THE
OUTSTANDING AMOUNT VIDE LOAN ACCOUNT
NO.38305978245 AND 38306005003 RESPECTIVELY
ANNEXURE-F (COLLY.)
THIS PETITION, COMING ON FOR ORDERS, THIS
DAY, ORDER WAS MADE THEREIN AS UNDER:
CORAM: HON'BLE MR. JUSTICE B M SHYAM PRASAD
ORAL ORDER
The petitioner has sought for reliefs as under:
"a. Issue a writ in the nature of mandamus or any other appropriate writ, order or direction, thereby restraining the respondent No.6/financial institution from taking any punitive action against the petitioner vide loan account No.38305978245 and 38306005003 respectively Annexure-F. -5- NC: 2026:KHC:9812 WP No. 34939 of 2025 HC-KAR b. Issue a writ in the nature of mandamus or any other appropriate writ, order or direction to the respondent no.6/financial institution to recover the loan amount, EMI's and the interests/penalty from the respondent no.7 in terms of the Tri-Partite Agreement (Annexure- E).
c. Direct the respondent No.6 to assist the respondent No.5 to rectify the CIBIL Score of the petitioner by removing the outstanding amount vide loan account No.38305978245 and 38306005003 respectively annexure-F. A memo is filed for withdrawal of the petition which reads as follows:
"I Shrayansh Singh, Counsel for the petitioner, respectfully pray the leave of this Hon'ble High Court to withdraw the instant writ petition as the Hon'ble Supreme Court is already seized of the said matter vide SLP(C) No.7649/2023 in the matter of "Himanshu Singh & Others v. Union of India & Others", and the Petitioner accordingly prays for the liberty to move the Hon'ble Supreme Court in the said matter."-6-
NC: 2026:KHC:9812 WP No. 34939 of 2025 HC-KAR The petitioner seeks leave to withdraw the petition with liberty being given to move the Apex Court asserting that a similar matter is pending with the Apex Court. This Court cannot reserve any liberty, and if the petitioner can invoke the Apex Court's jurisdiction for the present dispute, the request for withdrawal must suffice subject to orders by the Apex Court in such proceedings.
The petition stands dismissed accordingly.
Sd/-
(B M SHYAM PRASAD) JUDGE NV List No.: 1 Sl No.: 20