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Kerala High Court
John Johnson vs Hdfc Bank Ltd on 10 December, 2025
WP(C) NO. 33331 OF 2024 1
2025:KER:95438
IN THE HIGH COURT OF KERALA AT ERNAKULAM
PRESENT
THE HONOURABLE MR. JUSTICE M.A.ABDUL HAKHIM
WEDNESDAY, THE 10TH DAY OF DECEMBER 2025 / 19TH AGRAHAYANA, 1947
WP(C) NO. 33331 OF 2024
PETITIONER/S:
JOHN JOHNSON
AGED 32 YEARS
S/O. JOHNSON P.L., RESIDING AT PADAMADAN HOUSE, UDAYA NAGAR,
EAST FORT.P.O, CHEMBUKAVU, THRISSUR DISTRICT, PIN - 680005
BY ADV SRI.V.R.SANJEEV KUMAR
RESPONDENT/S:
1 HDFC BANK LTD
SL PLAZA, PALARIVATTOM, ERNAKULAM DISTRICT REPRESENTED BY
ITS BRANCH MANAGER., PIN - 682025
2 INDUSIND BANK LTD
GOWRI NARAYAN, 04/8200, OPP. JAYALAKSHMI SILKS, M.G. ROAD,
ERNAKULAM DISTRICT REPRESENTED BY ITS AUTHORISED OFFICER.,
PIN - 682035
3 CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD
2ND FLOOR, THEKKEKARA COMMERCIAL COMPLEX, NEAR SKYLINE
MELROSE APARTMENT, CIVIL LINE ROAD, PADIVATTOM, KOCHI,
ERNAKULAM DISTRICT REPRESENTED BY ITS MANAGER., PIN - 682024
4 HDB FINANCIAL SERVICES LTD
2ND FLOOR, CHAITHANYA BUILDING, K.K. ROAD, KADAVANTHRA,
KOCHI, ERNAKULAM DISTRICT REPRESENTED BY ITS BRANCH MANAGER,
PIN - 682017
5 ICICI BANK LTD
EMGEE SQUARE, MG ROAD, ERNAKULAM DISTRICT REPRESENTED BY ITS
AUTHORISED OFFICER, PIN - 682035
6 MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD.,
4TH FLOOR, NOEL HOUSE, THRIKKAKKARA P.O., KAKKANAD, KOCHI,
ERNAKULAM DISTRICT REPRESENTED BY ITS AUTHORISED OFFICER,
PIN - 682021
WP(C) NO. 33331 OF 2024 2
2025:KER:95438
7 UNION OF INDIA
REPRESENTED BY ITS PRINCIPAL SECRETARY TO GOVERNMENT,
MINISTRY OF FINANCE, NORTH BLOCK, NEW DELHI, PIN - 110001
8 MINISTRY OF FINANCE
GOVERNMENT OF INDIA, NORTH BLOCK, NEW DELHI REPRESENTED BY
ITS PRINCIPAL SECRETARY,, PIN - 110001
9 RESERVE BANK OF INDIA
REPRESENTED BY ITS GENERAL MANAGER, BANERJI ROAD, ERNAKULAM
NORTH, LISSIE JUNCTION, ERNAKULAM DISTRICT, PIN - 682018
10 TRANS UNION CIBIL LTD
(FORMERLY CREDIT INFORMATION BUREAU INDIA LTD., ONE INDIA
BULLS CENTER, TOWER 2A, 19TH FLOOR, SENAPATHI BAPAT MARG,
ELPHINSTONE ROAD, MUMBAI REPRESENTED BY ITS AUTHORIZED
SIGNATORY., PIN - 400013
BY ADVS.
SRI.PREMCHAND M.
SHRI.G.HARIHARAN
SRI.BINOY VASUDEVAN
SRI.PRADEESH CHACKO
SHRI.LAL K.JOSEPH
SRI.DEVAPRASANTH.P.J.
SRI.C.AJITH KUMAR
SMT.B.R.SINDU
SRI.PRAVEEN.H.
SMT.K.S.SMITHA
SHRI.V.ROHITH
SMT.AFNA V.P.
SHRI.P.MURALEEDHARAN (THURAVOOR)
SMT.T.A.LUXY
SHRI.SURESH SUKUMAR
SRI.ANZIL SALIM
SHRI.SANJAY SELLEN
SMT.SMINI JOSE
SHRI.ANIL MADATHIMALIL
SMT.ABHIRAMY VINOD
SMT. OM.SHALINA, DSGI
THIS WRIT PETITION (CIVIL) HAVING BEEN FINALLY HEARD ON 10.12.2025,
THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:
WP(C) NO. 33331 OF 2024 3
2025:KER:95438
JUDGMENT
1. The petitioner has filed this Writ Petition seeking direction to
the 10th respondent to consider Ext.P12 Representation. The
grievance of the petitioner is that the CIBIL score of the
petitioner is fixed on the lower side by the tenth respondent.
2. The learned Standing Counsel for the 10th respondent, on
instruction, submitted that as on 07.10.2025, the CIBIL Score
of the petitioner is 836, which is more than sufficient for
getting loans if he is otherwise eligible to get loans, and hence,
the petitioner cannot have any grievance against the 10th
respondent in this regard.
3. Accordingly, the Writ Petition is closed, recording the above
submission of the learned Standing Counsel for the 10th
respondent.
Sd/-
M.A.ABDUL HAKHIM
JUDGE
Shg/
2025:KER:95438
APPENDIX OF WP(C) NO. 33331 OF 2024
PETITIONER EXHIBITS
Exhibit P1 A TRUE COPY OF THE LOAN CLOSURE LETTER ISSUED BY
THE 1ST RESPONDENT BANK ON 06.10.2023 EVIDENCING
CLOSURE OF LOAN AGREEMENT NO.82972705 AVAILED BY
THE PETITIONER
Exhibit P2 A TRUE COPY OF THE NO OBJECTION CERTIFICATE ISSUED
BY THE 2ND RESPONDENT BANK ON 12.04.2022
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.ESS01033D
AVAILED BY THE PETITIONER
Exhibit P3 A TRUE COPY OF THE NO OBJECTION CERTIFICATE ISSUED
BY THE 2ND RESPONDENT BANK ON 27.10.2023
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.ESS01032D
AVAILED BY THE PETITIONER
Exhibit P4 A TRUE COPY OF THE NO OBJECTION CERTIFICATE ISSUED
BY THE 3RD RESPONDENT COMPANY ON 14.10.2022
EVIDENCING CLOSURE OF LOAN AGREEMENT
NO.XVFPTSR00002252570 AVAILED BY THE PETITIONER
Exhibit P5 A TRUE COPY OF THE LOAN CLOSURE LETTER ISSUED BY
THE 4TH RESPONDENT COMPANY ON 16.06.2022
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.3587905
AVAILED BY THE PETITIONER
Exhibit P6 A TRUE COPY OF THE LOAN CLOSURE LETTER ISSUED BY
THE 4TH RESPONDENT COMPANY ON 16.06.2022
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.35009991
AVAILED BY THE PETITIONER
Exhibit P7 A TRUE COPY OF THE LOAN CLOSURE LETTER ISSUED BY
THE 5TH RESPONDENT COMPANY ON 04.01.2022
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.HP656408
AVAILED BY THE PETITIONER
Exhibit P8 A TRUE COPY OF THE NO OBJECTION CERTIFICATE ISSUED
BY THE 6TH RESPONDENT COMPANY ON 17.04.2023
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.5170983
AVAILED BY THE PETITIONER
Exhibit P9 A TRUE COPY OF THE NO OBJECTION CERTIFICATE ISSUED
BY THE 6TH RESPONDENT COMPANY ON 26.04.2023
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.5172990
Exhibit P10 A TRUE COPY OF THE NO OBJECTION CERTIFICATE ISSUED
BY THE 6TH RESPONDENT COMPANY ON 06.07.2022
EVIDENCING CLOSURE OF LOAN AGREEMENT NO.5172966
Exhibit P11 A TRUE COPY OF THE JUDGMENT MADE IN W.P.(C)
NO.17696/2021 ALONG WITH CONNECTED CASES BY THE
HON'BLE HIGH COURT OF KARNATAKA ON 14.09.2022
Exhibit P12 A TRUE COPY OF THE REQUEST MADE BY THE PETITIONER
BEFORE THE 10TH RESPONDENT ON 15.07.2024
2025:KER:95438
RESPONDENT EXHIBITS
Exhibit-R10(a) True copy of the E-mail dated 28/09/2024 send by
10th respondent to the petitioner
