Jayakumar v. The Regional Manager,

ORDER The relief sought in this Writ Petition is to call for the records pertaining to the Letter dated 05.03.2021 bearing Ref.No.ALP ADV 2020-21:20 on the file 2nd Respondent and quash the same and to direct the 1st Respondent to consider the Petitioner's loan application as a special case for Scheduled Caste and sanction a sum of Rs.5,00,000/- as loan to Petitioner.

¶2The learned counsel for Petitioner submitted that Petitioner is a physically challenged person belongs to Scheduled Caste community. The Petitioner has a land measuring to an extent of 50 cents situated at Alapatti Village, Krishnagiri Taluk, Krishnagiri District, but, he has no income to eke out his livelihood. The Petitioner had submitted an online application seeking a loan to the tune of Rs.7,51,896/- through Tamil Nadu Adi Dravidar Housing Development Corporation for establishing a digital photo studio in Alapatti Village, Krishnagiri Taluk, Krishnagiri District. The District Manager of 3rd Respondent Corporation had forwarded the Petitioner's loan application to 2nd Respondent for sanctioning of loan amount sought by the Petitioner, but, 2nd Respondent has rejected the Petitioner's loan application vide Letter dated Page3 of 6

05.03.2021 bearing Ref.No.ALP ADV 2020-21:20. Aggrieved by the same, Petitioner has filed the present Writ Petition for the relief stated supra.

¶3The learned counsel appeared on behalf of Respondents 1 & 2 submitted that Petitioner had previously availed a Dairy Loan to the tune of Rs.1,00,000/- and he defaulted in repaying the same. On 02.02.2021, in order to evaluate the creditworthiness of Petitioner, 2nd Respondent had generated a CIBIL (Credit Information Bureau (India) Limited) Report. The said CIBIL Report showed that apart from the Dairy Loan, Petitioner had availed a Vehicle Loan and he defaulted in repaying the same. The CIBIL Report clearly demonstrates that the Petitioner is a chronic defaulter. Therefore, 2nd Respondent has rejected the Petitioner's loan application.

¶4Heard the learned counsel for Petitioner and the learned counsel for Respondents 1 & 2.

¶5In the present case, Petitioner had applied for a loan to the tune of Rs.7,51,896/- through Tamil Nadu Adi Dravidar Housing Development Corporation for establishing a digital photo studio in Alapatti Village, Krishnagiri Taluk, Krishnagiri District, but, his loan application was rejected by the 2nd Respondent. Hence, Petitioner has come up with the present Writ Petition. Page4 of 6

¶6The District Manager of 3rd Respondent Corporation had forwarded the Petitioner's loan application to 2nd Respondent. After receiving the said loan application, in order to know the past credit history of Petitioner, 2nd Respondent had generated a CIBIL Report. The said CIBIL Report revealed that Petitioner had already availed a Vehicle Loan and Dairy Loan and he defaulted in repaying the said loans. Therefore, 2nd Respondent has rejected the Petitioner's loan application by stating that as per the norms of the Bank, Petitioner is not eligible for the loan sought by him.

¶7Considering the facts and circumstances of the case and having regard to the submissions made by the learned counsel for Respondents 1 & 2, I am of the opinion that there is no merit in the case of Petitioner. Therefore, this Court is not inclined to allow this Writ Petition.

¶8In the result, this Writ Petition is dismissed as devoid of merits. No costs. 06-04-2026 Index: Yes/No Speaking/Non-speaking order mrr Page5 of 6 To

¶1The Regional Manager, Bank of India, No.344, S M E City Coimbatore, Oppanakara Street, Coimbatore.

¶2The Manager, Bank of India, Alapatti Branch, Krishnagiri Taluk and District.

¶3The District Adi Dravidar Housing and Development Corporation, Krishnagiri, Krishnagiri Taluk and District. Page6 of 6

KRISHNAN RAMASAMY, J. mrr 06-04-2026

Page1 of 6 IN THE HIGH COURT OF JUDICATURE AT MADRAS DATED: 06-04-2026 CORAM THE HON'BLE MR.JUSTICE KRISHNAN RAMASAMY Jayakumar S/o.Govindasamy, No.2/197, J.J.Nagar, Alapatti Village and Post, Krishnagiri Taluk and District, Pin - 635 122. ..Petitioner Vs. 1. The Regional Manager, Bank of India, No.344, S M E City Coimbatore, Oppanakara Street, Coimbatore. 2. The Manager, Bank of India, Alapatti Branch, Krishnagiri Taluk and District. 3. The District Adi Dravidar Housing and Development Corporation, Krishnagiri, Krishnagiri Taluk and District. ..Respondents This Writ Petition has been filed under Article 226 of the Constitution of India praying for issuance of a writ of certiorarified mandamus to call for the records in Ref.No.ALP ADV 2020-21:20 dated 05.03.2021 on the file of 2nd respondent and quash the same as illegal and directing the 1st respondent to consider the petitioner loan application on humane consideration as a special case for schedule caste and to sanction Rs.5 Lakhs to secure ends of justice. Page2 of 6 For Petitioner : Mr.R.Sankarasubbu For Respondents – 1 & 2 : Mr.F.B.Benjamin George For Respondent – 3 : No Appearance