Aruna v. Reserva Bank Of India

IN THE HIGH COURT OF PUNJAB AND HARYANA

AT CHANDIGARH **** CWP-15410-2026 Date of Decision: 18.05.2026 ARUNA

...Petitioner

Vs.

RESERVE BANK OF INDIA AND ORS.

...Respondents

CORAM:- HON'BLE MR. JUSTICE JAGMOHAN BANSAL Present:- Mr. Ankur Dua, Advocate for the petitioner *** JAGMOHAN BANSAL, J. (ORAL) 1.

The petitioner through instant petition under Article 226/227 of the Constitution of India is seeking direction to Reserve Bank of India to take regulatory action against respondent Nos.2, 3 and 4. She is also seeking direction to respondents to comply with RBI Master circular dated 13.09.2023 mandating return of original title documents within 30 days of repayment of loan.

2.

As per petition, the petitioner is claiming that her husband borrowed loan from Sammaan Capital Limited. Loan was borrowed against property. He mortgaged his house as per loan agreement dated 31.10.2014. He passed away untimely. The petitioner on 02.12.2025 through RTGS cleared entire outstanding loan of Rs.59,85,322/-. She requested respondent to return original property documents and NOC. The respondent has refused to return original documents on the pretext that two cases pertaining to mortgaged property are still pending. DEEPAK BISSYAN 2026.05.18 16:26 I attest to the accuracy and authenticity of this order/judgment

CWP-15410-2026 -23.

On being pointed out, learned counsel for petitioner failed to controvert that petitioner has alternative remedies. 4.

The petition stands disposed of with liberty to petitioner to avail alternative remedies as permissible by law. 5.

Pending application(s), if any, stands disposed of. (JAGMOHAN BANSAL) JUDGE May 18, 2026 Deepak DPA Whether Speaking/reasoned Yes/No Whether Reportable Yes/No DEEPAK BISSYAN 2026.05.18 16:26 I attest to the accuracy and authenticity of this order/judgment