- 1 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 22ND DAY OF JUNE, 2026 BEFORE THE HON'BLE MR. JUSTICE M.I.ARUN WRIT PETITION NO. 31079 OF 2025 (CS-RES) BETWEEN: MR. USMAN S/O LATE ABBONU BEARY, AGED ABOUT 54 YEARS, R/AT KUDRENJA HOUSE, PADANGADY, BELTHANGADY, DAKSHINA KANNADA - 574 214. …PETITIONER (BY SRI. DHANANJAY KUMAR, ADVOCATE - ABSENT) AND: 1. THE STATE OF KARNATAKA DEPARTMENT OF CO OPERATIVE SOCIETIES, Digitally VIDHANA SOUDHA, signed by V BANGALORE- 560 001.MANJUSHA BAI REP BY ITS SECRETARY Location: HIGH 2. SHREE BHAGAVATHI CO-OPERATIVE BANK LTD.COURT OF KARNATAKA (BANK REGISTERED UNDER THE RESERVE BANK OF INDIA ACT) HAVING ITS OFFICE AT MORGAN'S GATE, JAPPU, MANGALORE, DAKSHINA KANNADA 574 142. REP. BY ITS GENERAL MANAGER. 3. THE RECOVERY OFFICER CO-OPERATIVE SOCIETIES, MANGALORE, - 2 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR MANGALORE SUB-DIVISION, DAKSHINA KANNADA - 574 142. …RESPONDENTS (BY SMT. SPOORTHI V., AGA FOR R1 SRI. KETHAN KUMAR, ADVOCATE FOR R2) THIS WRIT PETITION IS FILED UNDER ARTICLES 226 AND 227 OF THE CONSTITUTION OF INDIA PRAYING TO SET ASIDE THE FORM NO.8 AND FORM NO.9 DATED 22.09.2025 ISSUED BY THE RESPONDENT NO.3/THE RECOVERY OFFICER, CO-OPERATIVE SOCIETIES, MANGALORE SUB-DIVISION VIDE ANNEXURE-A AND A1 AND ETC., THIS PETITION, COMING ON FOR PRELIMINARY HEARING IN 'B' GROUP THROUGH VIDEO CONFERENCING / PHYSICAL

HEARING, THIS DAY, ORDER WAS MADE THEREIN AS UNDER: CORAM: HON'BLE MR. JUSTICE M.I.ARUN ORAL ORDER None appears for the petitioner. The petitioner has challenged the recovery proceedings initiated against him by respondent No.3 for recovery of the loan advanced by - 3 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR respondent No.2 - Society. The writ petition is filed with the following prayers: "(i) Issue a writ of certiorari, by setting aside the Form No.8 & Form No.9 dated 22/09/2025 issued by the Respondent No.3 / the Recovery Officer, Co-Operative Societies, Mangalore Sub-Division vide Annexure-A & A1. (ii) Issue a direction to the Respondent No.2 Bank to grant EMI facility for the overdue amount and to regularize the loan account of the Petitioners herein. (iii) Issue any other order or direction under the facts and circumstances of the present case, to grant such other relief as this Hon'ble court would deem fit to be granted, in the interest of justice and equity." 2. On 17.10.2025, this Court has passed the following interim order: "Learned Additional Government Advocate takes notice for respondent No.1 - State. Heard learned counsel for the petitioner and learned Additional Government Advocate for respondent No.1 - State on the interim prayer relied by the petitioner. - 4 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR

It is noticed that the petitioner admits availing of the loan and also admits that she has not repaid the loan that has been taken. The petitioner is liable to pay an outstanding amount of Rs.23,52,581/- with respondent No.2. Hence, there shall be stay of Form No.8 and Form No.9 dated 22.09.2025 issued by respondent No.3/the Recovery officer, Co operative Societies, Mangalore Sub-Division vide Annexure A and A1, subject to deposit of the amount before respondent No.2 within six weeks from today. It is made clear that the order of stay shall come into force from the date of compliance of the condition. Issue notice to respondent Nos.2 and 3." 3. It is further submitted that the petitioner has not complied with the conditional interim order. 4. It is seen that the petitioner is having an alternative and efficacious remedy under Sections 105 and 106 of the Karnataka Co-operative Societies Act, 1959. 5. For the aforementioned reasons, the Writ petition is hereby dismissed, reserving liberty to the - 5 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR petitioner to approach the Appellate Authority in the manner known to law. 6. It is hereby made clear that no opinion is expressed on the merits of the case and if an appeal were to be filed, the Appellate Authority shall decide the same in the manner known to law, without being influenced by any of the observations made herein above.

7. The petitioner shall also be entitled to the benefit of Section 14 of the Limitation Act, 1963, if any appeal were to be filed by them. Sd/- (M.I.ARUN) JUDGE CH List No.: 1 Sl No.: 67

- 1 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR IN THE HIGH COURT OF KARNATAKA AT BENGALURU DATED THIS THE 22ND DAY OF JUNE, 2026 BEFORE THE HON'BLE MR. JUSTICE M.I.ARUN WRIT PETITION NO. 31079 OF 2025 (CS-RES) BETWEEN: MR. USMAN S/O LATE ABBONU BEARY, AGED ABOUT 54 YEARS, R/AT KUDRENJA HOUSE, PADANGADY, BELTHANGADY, DAKSHINA KANNADA - 574 214. …PETITIONER (BY SRI. DHANANJAY KUMAR, ADVOCATE - ABSENT) AND: 1. THE STATE OF KARNATAKA DEPARTMENT OF CO OPERATIVE SOCIETIES, Digitally VIDHANA SOUDHA, signed by V BANGALORE- 560 001.MANJUSHA BAI REP BY ITS SECRETARY Location: HIGH 2. SHREE BHAGAVATHI CO-OPERATIVE BANK LTD.COURT OF KARNATAKA (BANK REGISTERED UNDER THE RESERVE BANK OF INDIA ACT) HAVING ITS OFFICE AT MORGAN'S GATE, JAPPU, MANGALORE, DAKSHINA KANNADA 574 142. REP. BY ITS GENERAL MANAGER. 3. THE RECOVERY OFFICER CO-OPERATIVE SOCIETIES, MANGALORE, - 2 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR MANGALORE SUB-DIVISION, DAKSHINA KANNADA - 574 142. …RESPONDENTS (BY SMT. SPOORTHI V., AGA FOR R1 SRI. KETHAN KUMAR, ADVOCATE FOR R2) THIS WRIT PETITION IS FILED UNDER ARTICLES 226 AND 227 OF THE CONSTITUTION OF INDIA PRAYING TO SET ASIDE THE FORM NO.8 AND FORM NO.9 DATED 22.09.2025 ISSUED BY THE RESPONDENT NO.3/THE RECOVERY OFFICER, CO-OPERATIVE SOCIETIES, MANGALORE SUB-DIVISION VIDE ANNEXURE-A AND A1 AND ETC., THIS PETITION, COMING ON FOR PRELIMINARY HEARING IN 'B' GROUP THROUGH VIDEO CONFERENCING / PHYSICAL

HEARING, THIS DAY, ORDER WAS MADE THEREIN AS UNDER: CORAM: HON'BLE MR. JUSTICE M.I.ARUN ORAL ORDER None appears for the petitioner. The petitioner has challenged the recovery proceedings initiated against him by respondent No.3 for recovery of the loan advanced by - 3 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR respondent No.2 - Society. The writ petition is filed with the following prayers: "(i) Issue a writ of certiorari, by setting aside the Form No.8 & Form No.9 dated 22/09/2025 issued by the Respondent No.3 / the Recovery Officer, Co-Operative Societies, Mangalore Sub-Division vide Annexure-A & A1. (ii) Issue a direction to the Respondent No.2 Bank to grant EMI facility for the overdue amount and to regularize the loan account of the Petitioners herein. (iii) Issue any other order or direction under the facts and circumstances of the present case, to grant such other relief as this Hon'ble court would deem fit to be granted, in the interest of justice and equity." 2. On 17.10.2025, this Court has passed the following interim order: "Learned Additional Government Advocate takes notice for respondent No.1 - State. Heard learned counsel for the petitioner and learned Additional Government Advocate for respondent No.1 - State on the interim prayer relied by the petitioner. - 4 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR

It is noticed that the petitioner admits availing of the loan and also admits that she has not repaid the loan that has been taken. The petitioner is liable to pay an outstanding amount of Rs.23,52,581/- with respondent No.2. Hence, there shall be stay of Form No.8 and Form No.9 dated 22.09.2025 issued by respondent No.3/the Recovery officer, Co operative Societies, Mangalore Sub-Division vide Annexure A and A1, subject to deposit of the amount before respondent No.2 within six weeks from today. It is made clear that the order of stay shall come into force from the date of compliance of the condition. Issue notice to respondent Nos.2 and 3." 3. It is further submitted that the petitioner has not complied with the conditional interim order. 4. It is seen that the petitioner is having an alternative and efficacious remedy under Sections 105 and 106 of the Karnataka Co-operative Societies Act, 1959. 5. For the aforementioned reasons, the Writ petition is hereby dismissed, reserving liberty to the - 5 - NC: 2026:KHC:30613 WP No. 31079 of 2025 HC-KAR petitioner to approach the Appellate Authority in the manner known to law. 6. It is hereby made clear that no opinion is expressed on the merits of the case and if an appeal were to be filed, the Appellate Authority shall decide the same in the manner known to law, without being influenced by any of the observations made herein above.

7. The petitioner shall also be entitled to the benefit of Section 14 of the Limitation Act, 1963, if any appeal were to be filed by them. Sd/- (M.I.ARUN) JUDGE CH List No.: 1 Sl No.: 67