Kerala High Court
Jose vs The Reserve Bank Of India on 5 February, 2026
1
WPC 32373, 32210, 32242, 32331/2025
2026:KER:9650
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR.JUSTICE BASANT BALAJI
THURSDAY, THE 5TH DAY OF FEBRUARY 2026 / 16TH MAGHA, 1947
WP(C) NO. 32373 OF 2025
PETITIONER/S:
SHAJI,AGED 49 YEARS
S/O.THOMAS,ALUMKAL HOUSE, ARALAM POST,AMBALAKKANDY,KANNUR,
PIN - 670704
BY SHRI.ZAKEER HUSSAIN
SMT.K.A.SANJEETHA
SHRI.ABY GEORGE
SHRI.AKSHAY ASOK
RESPONDENT/S:
1 THE RESERVE BANK OF INDIA,
REPRESENTED BY ITS REGIONAL DIRECTOR,REGIONAL OFFICE,
THIRUVANANTHAPURAM, PIN - 695033
2 THE AUTHORISED OFFICER,
IDBI BANK LTD,ALFIRA TOWER,OPP.BSNL OFFICE,GOVT. HOSPITAL
ROAD,PAYYANNUR, PIN - 670307
3 IDBI BANK LTD,PAYYANNUR BRANCH,KANNUR,REPRESENTED BY ITS
MANAGER, PIN - 670307
BY SRI.MILLU DANDAPANI
SRI.C.AJITH KUMAR
SMT.VARSHA S.S.
SMT.SUMATHY DANDAPANI (SR.)
THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 21.1.2026,
ALONG WITH WP(C).32210/2025 AND CONNECTED CASES, THE COURT ON 5.2.2025
DELIVERED THE FOLLOWING:
2
WPC 32373, 32210, 32242, 32331/2025
2026:KER:9650
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR.JUSTICE BASANT BALAJI
THURSDAY, THE 5TH DAY OF FEBRUARY 2026 / 16TH MAGHA, 1947
WP(C) NO. 32210 OF 2025
PETITIONER/S:
MOHANAN.V.S.,AGED 63 YEARS
S/O.SHANKARA PILLAI,VELLIYAMKUNNEL HOUSE,
MUNDAYAMPARAMBA.P.O., AYYANKUNNU, PAYAM,KANNUR, PIN - 670704
BY SHRI.ZAKEER HUSSAIN
SMT.K.A.SANJEETHA
SHRI.ABY GEORGE
SHRI.AKSHAY ASOK
RESPONDENT/S:
1 THE RESERVE BANK OF INDIA,
REPRESENTED BY ITS REGIONAL DIRECTOR,REGIONAL OFFICE,
THIRUVANANTHAPURAM, PIN - 695033
2 THE AUTHORISED OFFICER,IDBI BANK LTD,ALFIRA TOWER,OPP.BSNL
OFFICE,GOVT. HOSPITAL ROAD,PAYYANNUR, PIN - 670307
3 IDBI BANK LTD.,PAYYANNUR BRANCH,KANNUR,REPRESENTED BY ITS
MANAGER, PIN - 670307
BY SRI.MILLU DANDAPANI
SRI.C.AJITH KUMAR
SMT.VARSHA S.S.
THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 21.1.2026,
ALONG WITH WP(C).32373/2025 AND CONNECTED CASES, THE COURT ON 05.02.2026
DELIVERED THE FOLLOWING:
3
WPC 32373, 32210, 32242, 32331/2025
2026:KER:9650
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR.JUSTICE BASANT BALAJI
THURSDAY, THE 5TH DAY OF FEBRUARY 2026 / 16TH MAGHA, 1947
WP(C) NO. 32242 OF 2025
PETITIONER/S:
SURESH.C.G.,AGED 54 YEARS
S/O.GOVINDAN,CHAMUNDIYIL HOUSE, URUPPUMKUNDU ARALAM,
VEERPAD, KANNUR, PIN - 670704
BY SHRI.ZAKEER HUSSAIN
SMT.K.A.SANJEETHA
SHRI.ABY GEORGE
SHRI.AKSHAY ASOK
RESPONDENT/S:
1 THE RESERVE BANK OF INDIA,
REPRESENTED BY ITS REGIONAL DIRECTOR,REGIONAL OFFICE,
THIRUVANANTHAPURAM, PIN - 695033
2 THE AUTHORISED OFFICER,
IDBI BANK LTD,ALFIRA TOWER,OPP.BSNL OFFICE,GOVT. HOSPITAL
ROAD,PAYYANNUR, PIN - 670307
3 IDBI BANK LTD.,PAYYANNUR BRANCH,KANNUR, REPRESENTED BY ITS
MANAGER, PIN - 670307
BY SRI.MILLU DANDAPANI
SRI.C.AJITH KUMAR
SMT.VARSHA S.S.
THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 21.1.2026,
ALONG WITH WP(C).32373/2025 AND CONNECTED CASES, THE COURT ON 5.02.2026
DELIVERED THE FOLLOWING:
4
WPC 32373, 32210, 32242, 32331/2025
2026:KER:9650
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR.JUSTICE BASANT BALAJI
THURSDAY, THE 5TH DAY OF FEBRUARY 2026 / 16TH MAGHA, 1947
WP(C) NO. 32331 OF 2025
PETITIONER/S:
JOSE,AGED 63 YEARS
S/O.THOMAS,ALUMKAL HOUSE, ARALAM POST,AMBALAKKANDY,KANNUR,
PIN - 670704
BY SHRI.ZAKEER HUSSAIN
SMT.K.A.SANJEETHA
SHRI.ABY GEORGE
SHRI.AKSHAY ASOK
RESPONDENT/S:
1 THE RESERVE BANK OF INDIA,
REPRESENTED BY ITS REGIONAL DIRECTOR,REGIONAL OFFICE,
THIRUVANANTHAPURAM, PIN - 695033
2 THE AUTHORISED OFFICER,
IDBI BANK LTD,ALFIRA TOWER,OPP.BSNL OFFICE,GOVT. HOSPITAL
ROAD,PAYYANNUR, PIN - 670307
3 IDBI BANK LTD,PAYYANNUR BRANCH,KANNUR,REPRESENTED BY ITS
MANAGER, PIN - 670307
BY SRI.MILLU DANDAPANI
SRI.C.AJITH KUMAR
SMT.VARSHA S.S.
SMT.SUMATHY DANDAPANI (SR.)
THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 21.1.2026,
ALONG WITH WP(C).32373/2025 AND CONNECTED CASES, THE COURT ON 5.02.2026
DELIVERED THE FOLLOWING:
5
WPC 32373, 32210, 32242, 32331/2025
2026:KER:9650
JUDGMENT
[WP(C) Nos.32373/2025, 32210/2025, 32242/2025 and 32331/2025] (Dated this the 5th day of February 2026) The petitioners in all these Petitions have availed crop loan/term loan for agricultural allied activities to the tune of Rs.30 lakhs in 2017 from the 3rd respondent bank. The primary security for the loan is the standing crops in the property. 25.50 cents of land and a multi-storeyed building therein in the name of M/s.Vyshakh International Hotel Private Limited was also offered as security. According to the petitioners, the loan accounts were properly maintained and were being renewed from time to time, and there are no arrears due to the bank. But surprisingly, the 3rd respondent bank had served a notice to the petitioners stating that the petitioners have failed to make the payment of principal and interest and other charges due to the bank, and hence, the loan account has been classified as Non 6 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 Performing Asset (NPA).
2. On receipt of the notices, petitioners approached the bank, and it was learnt that the classification of the account is not due to any arrears but for non - renewal of the agricultural loan. Even after the accounts were classified as NPA, petitioners have applied for renewal of the loan and submitted all documents, including the latest tax receipts, possession certificates, encumbrance certificates and other revenue records necessary for renewal of the facility, but the bank has not taken any steps to renew the facility. In the meanwhile the demand notice under Section 13(2) of the SARFAESI Act was issued calling upon the petitioners to remit the amount due to the bank.
3. The agricultural credit facility sanctioned was renewed every year by remitting the yearly interest due without any default. Even on 3.5.2025, petitioners remitted Rs.3.5 lakhs 7 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 towards interest and the same is received by respondent Nos.2 and 3. To the notice under Section 13(2), petitioners filed a reply stating that the classification of the petitioners' account is vitiated with gross irregularities. An account can be classified as NPA only if there is any default in repayment of secured assets or any other instalment to the loan account.
4. As per Ext.P7 Master Circular of the RBI, as far as agricultural advances are concerned, a loan granted for short duration crop will be treated as NPA, if the instalment of the principal or interest thereon remains overdue for two crop seasons and the loan granted for long duration crops will be treated as NPA, if the instalment of principal or interest thereon remains overdue for one crop season. In the objection to the notice under Section 13(2), petitioners have specifically stated that they are prepared to pay the overdue amount in order to 8 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 upgrade the standard account.
5. When the account was classified as NPA, the petitioners moved this court by filing W.P.(C.) No.14999 of 2025 and connected cases, and this court by Ext.P9 judgment, disposed of the same, directing the petitioners to approach the bank either to seek an extension of KCC limits or to take such steps to regularise the loan account in terms of the Master Circular issued by RBI.
6. In compliance with the direction, the petitioners approached the bank and submitted Ext.P10 application. On 12.08.2025, petitioners received a letter, which is produced as Ext.P11, stating that the KCC limit is valid for 5 years, subject to annual review and since the facility has originally surpassed the original validity period of 5 years, a full-fledged renewal is warranted in accordance with applicable norms. The petitioners 9 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 were directed to submit formal applications, and after clearing the entire outstanding dues, including principal and interest, the bank will undertake a fresh assessment based on the prevailing Scale of Finance (SOF) and other applicable guidelines. The petitioners impugn Ext.P11 in these Writ Petitions and seek a writ of mandamus directing respondent Nos. 2 and 3 to renew/extend the KCC facility without insisting on the remittance of the outstanding dues, including principal and interest.
7. A counter affidavit is filed by respondent Nos.2 and 3, wherein it is contended that the reliefs sought for in this WP have attained finality, in view of Ext.P9 judgment and therefore, they are not entitled to re-agitate the same issue. A contention is also raised that the respondents are not amenable to the jurisdiction, as it is not a State or an instrumentality of State or 10 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 a body, which falls within the purview of Article 12 of the Constitution of India. IDBI Bank was registered as a banking company under the provisions of the Banking Regulation Act, 1949 and was categorised as other public sector bank by the Union of India, after the majority of its shareholding was divested from the Central Government and is now categorised as a private sector bank with effect from 21.1.2019.
8. This court, while passing Ext.P9 judgment, did not accept the contentions of the petitioners therein and did not enter into a finding that there is non-compliance with the RBI Master Circular, but as an indulgence, granted an opportunity to the petitioners to approach the respondents for getting the loan regularised. As per the sanction letter, the tenure of the KCC loan is for a period of 5 years, subject to annual renewal. As the 5-year period has surpassed, a full-fledged renewal is 11 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 warranted in accordance with applicable norms. Therefore, the petitioners were directed to submit formal applications with the requisite documents after clearing the entire outstanding dues, including the principal and interest. The petitioners intend to renew the KCC loan without paying the principal amount and accrued interest, which is impermissible. Therefore, prayed that the Writ Petitions be dismissed.
9. Heard Smt.K S Sanjeetha, counsel for the petitioners and the standing counsel, Shri.C Ajith Kumar, for respondent Nos.2 and 3.
10. In the Ext.P1 sanction letter, the loan is a crop loan (KCC) to be paid annually or as per crop cycle. The loan is valid for 5 years, subject to annual renewal. According to the counsel for the petitioners, as per Ext.P7 Master Circular, a loan account can be treated as NPA where interest and/or instalment 12 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 of principal remain overdue for a period of more than 90 days in respect of a Term loan. There were no arrears in payment of principal or interest at any time, and the classification of the account as NPA was against the Master Circular. Petitioners have been remitting the interest due every year, and the respondents have accepted the same and renewed it. Even after the account is classified as NPA, the respondents have accepted the renewal fee and also the application for renewing the KCC facility. The petitioners are ready to remit the interest due and renew the facility.
11. Clause 2.1.3 of Master Circular (Ext.P7) prescribes that a loan granted for short duration crop will be treated as NPA if the instalment of principal or interest thereon remains overdue for 2 crop seasons. It can be seen that the validity of KCC for 5 years from 25.9 2017; therefore, the term has expired 13 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 on 24.9.2022. Ext.P3 notice dated 2.12.2024, issued under Section 13(2), is after 2 years of expiry of the term loan, which shows that the bank has waited for 2 crop seasons, and only when the instalment of the principal and interest became overdue after the expiry of the loan period, the account was classified as NPA.
12. If the argument of the counsel for the petitioners that each year the petitioners need only to pay the interest and get the KCC facility renewed without a term, it will be a never- ending process, and the bank will never get the principal back. It is to avoid this situation, the term period is specified in the sanction letter. So, once the term period is over, the renewal is only possible on payment of the principal amount outstanding with interest and all other charges and on a review based on a fresh application. Ext.P9 has only directed the consideration 14 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 of the application, which is replied to through Ext.P11. As mentioned earlier, since the KCC limit is valid for 5 years and the term was over in 2022, the petitioners cannot get the facility renewed without remitting the principal, interest and other charges. Ext.P9 judgment is in tune with the guidelines issued by the RBI and also in tune with Ext.P1 sanction letter. In such circumstances, I do not find any ground to interfere with Ext.P11 dated 6.8.2025 issued by the respondent bank.
In the result, these Writ Petitions fail, and they are dismissed.
Sd/-
BASANT BALAJI JUDGE dl/ 15 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 APPENDIX OF WP(C) NO. 32373 OF 2025 PETITIONER EXHIBITS Exhibit P1 A TRUE COPY OF THE SANCTION LETTER DATED 25/09/2017 ISSUED BY THE 3RD RESPONDENT BANK Exhibit P2 A TRUE COPY OF THE NOTICE DATED 30/09/2024 ISSUED BY THE 3RD RESPONDENT BANK Exhibit P3 A TRUE COPY OF THE DEMAND NOTICE DATED 02/12/2024 ISSUED BY THE 2ND RESPONDENT Exhibit P4 A TRUE COPY OF THE STATEMENT OF ACCOUNTS DATED 01/08/2024 ISSUED BY THE RESPONDENT BANK Exhibit P5 A TRUE COPY OF THE CUSTOMER ACKNOWLEDGEMENT DATED 03/05/2025 SHOWING THE PAYMENT OF INTEREST OF RS.3,50,000/- TO THE KCC LOAN Exhibit P6 A TRUE COPY OF THE REPRESENTATION/OBJECTION DATED 20/02/2025 SUBMITTED BY THE PETITIONER. Exhibit P7 A TRUE COPY OF THE MASTER CIRCULAR DATED 01/04/2025 ISSUED BY THE RESERVE BANK OF INDIA Exhibit P8 A TRUE COPY OF THE REPLY DATED 16/04/2025 ISSUED BY THE RESPONDENTS 2 AND 3 Exhibit P9 A TRUE COPY OF THE JUDGMENT DATED 23/07/2025 IN WRIT PETITION NO.14999/2025 Exhibit P10 A TRUE COPY OF THE APPLICATION DATED 30/07/2025 SUBMITTED BY THE PETITIONER Exhibit P11 A TRUE COPY OF THE REPLY DATED 06/08/2025 ISSUED BY THE RESPONDENTS 2 AND 3 Exhibit P12 A TRUE COPY OF THE APPLICATION FORM FOR KCC LOANS SENT BY THE RESPONDENTS 2 AND 3 ALONG WITH EXHIBIT.P11 REPLY Exhibit P13 A TRUE COPY OF THE TRACK CONSIGNMENT ISSUED BY THE POSTAL THE DEPARTMENT OF POST SHOWING THE RECEIPT OF EXHIBIT.P11 AND P12 ON 12/08/2025 Exhibit.P14 True copy of the Possession Notice dated nil issued by the Authorised Officer of the 2nd respondent. 16 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 APPENDIX OF WP(C) NO. 32210 OF 2025 PETITIONER EXHIBITS Exhibit P1 TRUE COPY OF THE SANCTION LETTER DATED 16/12/2017 ISSUED BY THE 3RD RESPONDENT BANK.
Exhibit P2 TRUE COPY OF THE NOTICE DATED 19/12/2024 ISSUED BY THE 3RD RESPONDENT BANK.
Exhibit P3 TRUE COPY OF THE DEMAND NOTICE DATED 27/01/2025 ISSUED BY THE 2ND RESPONDENT.
Exhibit P4 TRUE COPY OF THE STATEMENT OF ACCOUNTS DATED 01/08/2024 ISSUED BY THE RESPONDENT BANK. Exhibit P5 TRUE COPY OF THE CUSTOMER ACKNOWLEDGEMENT DATED 03/05/2025 SHOWING THE PAYMENT OF INTEREST OF RS.3,50,000/- TO THE KCC LOAN.
Exhibit P6 TRUE COPY OF THE REPRESENTATION/OBJECTION DATED 01/04/2025 SUBMITTED BY THE PETITIONER. Exhibit P7 TRUE COPY OF THE MASTER CIRCULAR DATED 01/04/2025 ISSUED BY THE RESERVE BANK OF INDIA.
Exhibit P8 TRUE COPY OF THE REPLY DATED 16/04/2025 ISSUED BY THE RESPONDENTS 2 AND 3.
Exhibit P9 TRUE COPY OF THE JUDGMENT DATED 23/07/2025 IN WRIT PETITION NO.15014/2025.
Exhibit P10 TRUE COPY OF THE APPLICATION DATED 30/07/2025 SUBMITTED BY THE PETITIONER.
Exhibit P11 TRUE COPY OF THE POSTAL RECEIPT DATED 30/07/2025 ISSUED BY THE POSTAL AUTHORITIES.
Exhibit P12 TRUE COPY OF THE TRACK CONSIGNMENT ISSUED BY THE DEPARTMENT OF POST SHOWING THE RECEIPT OF EXHIBIT.P10 APPLICATION ON 31/07/2025. Exhibit P13 TRUE COPY OF THE REPLY DATED 06/08/2025 ISSUED BY THE RESPONDENTS 2 AND 3.
Exhibit P14 TRUE COPY OF THE APPLICATION FORM FOR KCC LOANS SENT BY THE RESPONDENTS 2 AND 3 ALONG WITH EXHIBIT.P13 REPLY.
Exhibit P15 TRUE COPY OF THE TRACK CONSIGNMENT ISSUED BY THE POSTAL THE DEPARTMENT OF POST SHOWING THE RECEIPT OF EXHIBIT.P13 AND P14 ON 12/08/2025.
Exhibit.P16 True copy of the Possession Notice dated nil issued by the Authorised Officer of the 2nd respondent. 17 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 APPENDIX OF WP(C) NO. 32242 OF 2025 PETITIONER EXHIBITS Exhibit P1 TRUE COPY OF THE SANCTION LETTER DATED 16/12/2017 ISSUED BY THE 3RD RESPONDENT BANK.
Exhibit P2 TRUE COPY OF THE NOTICE DATED 19/12/2024 ISSUED BY THE 3RD RESPONDENT BANK.
Exhibit P3 TRUE COPY OF THE DEMAND NOTICE DATED 27/01/2025 ISSUED BY THE 2ND RESPONDENT.
Exhibit P4 TRUE COPY OF THE STATEMENT OF ACCOUNTS DATED 01/08/2024 ISSUED BY THE RESPONDENT BANK. ExhibitP5 TRUE COPY OF THE CUSTOMER ACKNOWLEDGEMENT DATED 03/05/2025 SHOWING THE PAYMENT OF INTEREST OF RS.3,50,000/- TO THE KCC LOAN.
Exhibit P6 TRUE COPY OF THE REPRESENTATION/OBJECTION DATED 01/04/2025 SUBMITTED BY THE PETITIONER. Exhibit P7 TRUE COPY OF THE MASTER CIRCULAR DATED 01/04/2025 ISSUED BY THE RESERVE BANK OF INDIA.
Exhibit P8 TRUE COPY OF THE REPLY DATED 16/04/2025 ISSUED BY THE RESPONDENTS 2 AND 3.
Exhibit P9 TRUE COPY OF THE JUDGMENT DATED 23/07/2025 IN WRIT PETITION NO.14890/2025.
Exhibit P10 TRUE COPY OF THE APPLICATION DATED 30/07/2025 SUBMITTED BY THE PETITIONER.
Exhibit P11 TRUE COPY OF THE POSTAL RECEIPT DATED 30/07/2025 ISSUED BY THE POSTAL AUTHORITIES.
Exhibit P12 TRUE COPY OF THE TRACK CONSIGNMENT ISSUED BY THE DEPARTMENT OF POST SHOWING THE RECEIPT OF EXHIBIT.P10 APPLICATION ON 31/07/2025. Exhibit P13 TRUE COPY OF THE REPLY DATED 06/08/2025 ISSUED BY THE RESPONDENTS 2 AND 3.
Exhibit P14 TRUE COPY OF THE APPLICATION FORM FOR KCC LOANS SENT BY THE RESPONDENTS 2 AND 3 ALONG WITH EXHIBIT.P13 REPLY.
Exhibit P15 TRUE COPY OF THE TRACK CONSIGNMENT ISSUED BY THE POSTAL THE DEPARTMENT OF POST SHOWING THE RECEIPT OF EXHIBIT.P13 AND P14 ON 12/08/2025 .
Exhibit.P16 True copy of the Possession Notice dated nil issued by the Authorised Officer of the 2nd respondent. 18 WPC 32373, 32210, 32242, 32331/2025 2026:KER:9650 APPENDIX OF WP(C) NO. 32331 OF 2025 PETITIONER EXHIBITS Exhibit P1 TRUE COPY OF THE SANCTION LETTER DATED 25/09/2017 ISSUED BY THE 3RD RESPONDENT BANK.
Exhibit P2 TRUE COPY OF THE NOTICE DATED 30/09/2024 ISSUED BY THE 3RD RESPONDENT BANK.
Exhibit P3 TRUE COPY OF THE DEMAND NOTICE DATED 02/12/2024 ISSUED BY THE 2ND RESPONDENT.
Exhibit P4 TRUE COPY OF THE STATEMENT OF ACCOUNTS DATED 01/08/2024 ISSUED BY THE RESPONDENT BANK. Exhibit P5 TRUE COPY OF THE CUSTOMER ACKNOWLEDGEMENT DATED 03/05/2025 SHOWING THE PAYMENT OF INTEREST OF RS.3,50,000/- TO THE KCC LOAN.
Exhibit P6 TRUE COPY OF THE REPRESENTATION/OBJECTION DATED 20/02/2025 SUBMITTED BY THE PETITIONER. Exhibit P7 TRUE COPY OF THE MASTER CIRCULAR DATED 01/04/2025 ISSUED BY THE RESERVE BANK OF INDIA.
Exhibit P8 TRUE COPY OF THE REPLY DATED 16/04/2025 ISSUED BY THE RESPONDENTS 2 AND 3.
Exhibit P9 TRUE COPY OF THE JUDGMENT DATED 23/07/2025 IN WRIT PETITION NO.14872/2025.
Exhibit P10 TRUE COPY OF THE APPLICATION DATED 30/07/2025 SUBMITTED BY THE PETITIONER.
Exhibit P11 TRUE COPY OF THE REPLY DATED 06/08/2025 ISSUED BY THE RESPONDENTS 2 AND 3.
Exhibit P12 TRUE COPY OF THE APPLICATION FORM FOR KCC LOANS SENT BY THE RESPONDENTS 2 AND 3 ALONG WITH EXHIBIT.P11 REPLY.
Exhibit P13 TRUE COPY OF THE TRACK CONSIGNMENT ISSUED BY THE POSTAL THE DEPARTMENT OF POST SHOWING THE RECEIPT OF EXHIBIT.P11 AND P12 ON 12/08/2025.
Exhibit.P14 True copy of the said Possession Notice dated nil issued by the 2nd respondent.