Kerala High Court
Nahel vs The Canara Bank Ltd on 9 October, 2025
2025:KER:75485
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR. JUSTICE S.MANU
THURSDAY, THE 9TH DAY OF OCTOBER 2025 / 17TH ASWINA, 1947
WP(C) NO.32681 OF 2025
PETITIONER :-
NAHEL, AGED 21 YEARS
S/O SHAMSUDHEEN R K, RARAPPACHAM KANDI, VELUR P.O,
VELUR WEST, ATHOLI, ATHOLI P.O, QUILANDY,
KOZHIKODE, KERALA, PIN - 673 315
BY ADVS.
SHRI.NESAMUDHEEN
SMT.SAFA C.M.
RESPONDENTS :-
1 THE CANARA BANK LTD
REPRESENTED BY ITS MANAGER THALAKULATHUR BRANCH,
SHIBILI COMPLEX, PARAMBATH BAZAR, THALAKULATHUR,
KOZHIKODE, KERALA, PIN - 673 317
2 NATIONAL CYBER REPORTING PORTAL
REPRESENTED BY ITS DIRECTOR, NATIONAL HIGHWAY - 8,
MAHIPALPUR, NEW DELHI, PIN - 110 037
BY ADV SMT.MINI V.MENON, CGC
OTHER PRESENT:
SRI.M.GOPIKRISHNAN NAMBIAR, SC
THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION
ON 09.10.2025, THE COURT ON THE SAME DAY DELIVERED THE
FOLLOWING:
W.P.(C) No.32681 of 2025
-: 2 :-
2025:KER:75485
S. MANU, J.
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W.P.(C) No.32681 of 2025
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Dated this the 9th day of October, 2025
JUDGMENT
The petitioner is maintaining an account with the Thalakulathur Branch of Canara Bank. By Ext.P3 communication dated 05.07.2025, the petitioner was intimated by the Bank that the status of the petitioner's account was changed and debits were blocked. Aggrieved by the action taken by the Bank, this writ petition was filed.
2. Learned Standing Counsel for Canara Bank, on instructions, submitted that the action was taken by the Bank on noticing suspicious transactions in the account of the petitioner. In response, the learned counsel for the petitioner submitted that no communication has been issued by the Bank to the petitioner in this regard. He further submitted that if the Bank provides details, the petitioner can respond and satisfy the Bank about the genuineness of the transactions in his account.
3. Taking note of the submissions made by the learned counsel for the petitioner as well as the learned Standing Counsel for the Bank, this writ petition is disposed of with the following directions :-
W.P.(C) No.32681 of 2025-: 3 :-
2025:KER:75485
(i) The 1st respondent shall issue a communication to the petitioner within ten days from the date of issuance of a copy of this judgment stating the reasons for imposing restrictions in operating the account of the petitioner. The 1st respondent shall furnish the details of the suspicious transactions noticed by the Bank in the communication.
(ii) On receipt of the communication from the Bank as directed above, the petitioner shall approach the competent authority of the Bank and offer explanation regarding the suspicious transactions pointed out with supporting materials.
(iii) On receipt of the explanation from the petitioner along with supporting materials, the competent authority of the Bank shall examine the same and take a decision as to whether the restrictions can be lifted, within a period of two weeks from the date of receipt of the explanation from the petitioner.
(iv) If the competent authority of the Bank is satisfied about the genuineness of the transactions, restrictions imposed in operating the account of the petitioner shall be lifted immediately.
Sd/-
S. MANU JUDGE Jvt/10.10.2025 W.P.(C) No.32681 of 2025 -: 4 :- 2025:KER:75485 APPENDIX OF WP(C) 32681/2025 PETITIONER EXHIBITS Exhibit P1 THE TRUE COPY OF THE BANK ACCOUNT PASSBOOK OF THE PETITIONER.
Exhibit P2 A TRUE COPY OF THE BANK ACCOUNT STATEMENT OF THE PETITIONER DATED FOR THE PERIOD 26-08-2024 TO 25-08-2025.
Exhibit P3 A TRUE COPY OF E-MAIL DATED 05.07.2025 RECEIVED FROM THE RESPONDENT BANK.