C. KUMAR Vs. BRANCH MANAGER

JUDGEMENT

(1.) This writ petition has been filed for a mandamus to forbear the respondents from withholding savings bank account of the petitioner with the first respondent bank vide A/c.No.34418877929.

(2.) It is the case of the petitioner that he is owning agricultural lands in his village and his entire family is solely depending on the agricultural income derived from and out of the agricultural land. It is also the case of the petitioner that apart from owning agricultural land, he is also working as a conductor in Tamil Nadu State Transport Corporation Ltd. According to him, due to the failure of the monsoon in the year 2013, he was constrained to approach the second respondent for grant of crop loan and mini dairy farm loan and accordingly, the second respondent bank sanctioned the said loans: one for a sum of Rs.1,74,000/- and another for a sum of Rs.3,30,000/- in the year 2011 and 2012 respectively. According to him, he had also executed equitable mortgage in favour of the second respondent bank for availing the aforesaid two loans.

(3.) According to the petitioner, since he was unable to procure yields and profits from and out of the cultivation, he was unable to repay the loan to the second respondent bank. It is his case that he is having savings bank account with the first respondent bank in A/c.No. 34418877929 and is operating the said account regularly for his daily needs. According to him, to his shock and surprise, the first respondent sent a message to his mobile number stating that his savings bank account has been put on hold on 24.11.2016, without assigning any reason and without providing any opportunity.