R.Madhukumar v. The Ombudsman

O R D E R The above Writ Petition has been filed seeking a direction to respondents 1 and 2 to consider the representation of the petitioner dated

13.01.2026 and consequently to direct the 3rd respondent bank to waive the entire interest and grant one year's time to settle the principal amount in respect of housing loan availed by the petitioner.

¶2The petitioner would submit that he had availed a housing loan from the 3rd respondent bank by mortgaging his property through Memorandum of Title Deeds registered as Document No.8227 on the file of the Sub Registrar Office, Kelamangalam. He had been paying the monthly installments regularly. However, due to financial difficulties, the petitioner had defaulted in repayment. The petitioner had submitted a representation dated 13.01.2026 to respondents 1 to 3 requesting that the entire accrued interest, penal interest and all other charges be fully waived. The petitioner had also expressed his willingness to settle the principal outstanding amount and sought one year's time to repay the principal amount, either in lump sum or installments. The said representation has not yet been considered by the respondents. Hence, the petitioner has filed this writ petition.

¶3Heard the learned counsel for the petitioner and perused the materials available on record.

¶4Considering the facts and circumstances of the case, this Court, without going into the merits of the case, directs the 2nd respondent to consider and dispose of the petitioner's representation dated 13.01.2026 on merits and in accordance with law, within a period of two weeks from the date of receipt of a copy of this order. Accordingly, this writ petition is disposed of. No costs.

17.12.2026 Index : Yes/No Speaking Order : Yes / No srn To

¶1The Ombudsman Reserve Bank of India, Chennai 600 001. cpc@rbi.org.in

¶2The Chief Grievance Redressal Officer (CGRO)/Nodal Officer, India Shelter Finance Corporation Limited, No.4/316, 2nd Floor, Vee Complex, GNT Road, MA Nagar, Padianallore, Chennai 600 052.

¶3The Authorized Signatory, Indian Shelter Finance Corporation Limited, No.28/29, 1st Floor, GKV Towers, Opposite Sub Collector Office, Denkanikottai Main Road, Hosur, Krishnagiri District P.T. ASHA, J,

srn W.P.No.5360 of 2026

17.12.2026

IN THE HIGH COURT OF JUDICATURE AT MADRAS DATED : 17.12.2026 CORAM THE HONOURABLE Ms. JUSTICE P.T. ASHA W.P.No.5360 of 2026 R.Madhukumar ... Petitioner Vs. 1. The Ombudsman Reserve Bank of India, Chennai 600 001. cpc@rbi.org.in 2. The Chief Grievance Redressal Officer (CGRO)/Nodal Officer, India Shelter Finance Corporation Limited, No.4/316, 2nd Floor, Vee Complex, GNT Road, MA Nagar, Padianallore, Chennai 600 052. 3. The Authorized Signatory, Indian Shelter Finance Corporation Limited, No.28/29, 1st Floor, GKV Towers, Opposite Sub Collector Office, Denkanikottai Main Road, Hosur, Krishnagiri District ... Respondents PRAYER: Writ Petition filed under Article 226 of the Constitution of India praying to issue a Writ of Mandamus, to direct the respondents 1 and 2 to consider his representation dated 13.01.2026 and consequently direct the 3rd respondent bank to waiver of entire interest and grant of one year time to settle principal amount in respect of housing loan availed by me. For Petitioner : Mr. G.Karthikeyan For Respondents