Kerala High Court
Muhammed Sabir C.M vs The Reserve Bank Of India (Rbi) on 30 October, 2025
2025:KER:81746
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR. JUSTICE M.A.ABDUL HAKHIM
THURSDAY, THE 30TH DAY OF OCTOBER 2025 / 8TH KARTHIKA, 1947
WP(C) NO. 7162 OF 2025
PETITIONER:
MUHAMMED SABIR C.M
AGED 45 YEARS
S/O. MOIDEEN KUTTY CH, SHABANA MANZIL, THEKKIL,
KASARAGOD,, PIN - 671 541
BY ADV SRI.O.D.SIVADAS
RESPONDENTS:
1 THE RESERVE BANK OF INDIA (RBI)
BANERJI ROAD, ERNAKULAM, POST BOX NO.3065, KOCHI,
REPRESENTED BY ITS GENERAL MANAGER., PIN - 682 018
2 THE MANAGER
HINDUJA LEYLAND FINANCE LTD., KOZHIKODE,
PIN - 673 002
3 THE BRANCH MANAGER,
SHRIRAM FINANCE LIMITED , POINACHI, KASARAGOD DISTRICT,
PIN - 671 318
4 TRANS UNION CIBIL LIMITED
ONE WORLD CENTRE, 19TH FLOOR, TOWER 2A- 2B, SENAPATI
BAPAT MARG, ELPHINSTONE ROAD, MUMBAI, MAHARASHTRA,
PIN - 400 013
5 CRIF HIGH MARK CREDIT INFORMATION SERVICE LIMITED
FOFB-04,05,06 FOURTH FLOOR, ART GUILD HOUSE, PHOENIX
MARKET CITY, CTS NO. 124/B, LBS MARGE, KURLA WEST,
MUMBAI, MAHARASHTRA,
PIN - 400 070
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WP(C) NO. 7162 OF 2025
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BY ADVS.
SRI.MILLU DANDAPANI
SRI.C.HARIKUMAR
SRI.P.B.SUBRAMANYAN
SRI.C.AJITH KUMAR - R5
SMT.M.B.SHYNI
SMT.VARSHA S.S.
SMT.K.VIDYA
SMT.SANDRA SUNNY
SHRI.ARUN KUMAR M.A
SMT.FARAH JYOTHI PRADEEP
SRI.SABU GEORGE
SMT.B.ANUSREE
SRI.MANU VYASAN PETER
SMT.MEERA P.
SMT.CHITRA JOHNSON
TONY AUGUSTINE-GP
THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON
30.10.2025, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:
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WP(C) NO. 7162 OF 2025
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JUDGMENT
1. The petitioner had availed loans from the 2 nd and 3rd respondents/banks. The petitioner closed those loans. The grievance of the petitioner is that, in spite of the closure of those loans, the CIBIL score of the petitioner in the data maintained by the 4th respondent is still shown on the lower side. The petitioner seeks direction to respondents 2 and 3 to update the credit rating in the CIBIL Score and to change the red mark/negative marks in the CIBIL Website, taking note of the entire payments effected by the petitioner.
2. The learned standing counsel for the 4 th respondent submitted that the petitioner's CIBIL scores were affected on account of the default of the loans with the 2 nd and 3rd respondents/banks. The track record of the past 36 months alone is taken into consideration for fixing the CIBIL score. As far as the loan availed from the 2nd respondent, the petitioner closed the said loan in the 2025:KER:81746 WP(C) NO. 7162 OF 2025 4 year 2021 itself, and hence, the said loan has no relevance for the present CIBIL score of the petitioner. With respect to the loan availed by the petitioner from the 3 rd respondent, the said loan remained in default for a considerable length of time, and thereafter the petitioner settled the said loan in 2024. Hence, it affected the CIBIL score. The learned counsel further submitted that the petitioner cannot have any grievance with respect to the present CIBIL, as he has a good CIBIL score of 734 as on 19.08.2025, which is sufficient enough to get loans from other banks. Referring to the Counter Affidavit of the 3 rd respondent, the learned Counsel for the 1st respondent submitted that the color dots in the CIBIL records indicate the repayment history of the loan on a year-wise basis and that the green dots show proper repayment and the red and orange dots indicate improper repayments. It is clear from this submission that different colors are used to indicate different nature of repayments. Admittedly, the loan of the petitioner with the 3 rd respondent remained under default over a period of time before settlement.
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3. In view of the aforesaid submission of the learned counsel for the 4th respondent and the 1st respondent, I do not find any ground or reason to believe that the petitioner is having any grievance in the matter. The CIBIL Score of the petitioner is correctly recorded by the 4th respondent, taking into account the default of the loan over a period of time before settlement. In spite of recording the said default prior to the settlement of the loan, the petitioner is having a good CIBIL score of 734 according to the 4 th respondent. Accordingly, I dispose of this Writ Petition, finding that the petitioner cannot have any grievance with respect to the CIBIL Score in view of the submission made by the learned Counsel for the 4th respondent.
Sd/-
M.A.ABDUL HAKHIM JUDGE mus 2025:KER:81746 WP(C) NO. 7162 OF 2025 6 APPENDIX OF WP(C) 7162/2025 PETITIONER EXHIBITS EXHIBIT P1 TRUE COPY OF THE REQUEST DATED 18.12.2024 SUBMITTED BEFORE THE 2ND RESPONDENT EXHIBIT P2 TRUE COPY OF THE REQUEST DATED 18.12.2024 SUBMITTED BEFORE THE 3RD RESPONDENT EXHIBIT P3 TRUE COPY OF THE REPRESENTATION DATED 22.12.2024 SUBMITTED BY THE PETITIONER BEFORE THE 1ST RESPONDENT RESPONDENT EXHIBITS EXHIBIT-R4(A) TRUE COPY OF THE E-MAIL SENT ON 4TH MARCH, 2025 BY THE 4TH RESPONDENT TO THE 2ND RESPONDENT WITH RESPECT TO THE LOAN ACCOUNT NO.KLCAPY00050 EXHIBIT-R4(B) TRUE COPY OF THE E-MAIL SENT ON 4TH MARCH, 2025 BY THE 4TH RESPONDENT TO THE 2ND RESPONDENT WITH RESPECT TO THE LOAN ACCOUNT NO.KLCAPY00055 EXHIBIT-R4(C) TRUE COPY OF THE E-MAIL SENT ON 4TH MARCH, 2025 BY THE 4TH RESPONDENT TO THE 3RD RESPONDENT WITH RESPECT TO THE LOAN ACCOUNT NO.KASA20805010001 EXT.R3(A) TRUE COPY OF THE EMAIL SENT BY THE 3RD RESPONDENT, DATED 05.03.2025 EXT.R3(B) TRUE COPY OF THE EMAIL SENT BY THE 3RD RESPONDENT, DATED 11.03.2025