WP/10636/2026 of MRS.Jayalakshmi Vs The Branch Manager,
WP No. 10636 of 2026
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IN THE HIGH COURT OF JUDICATURE AT MADRAS
DATED: 06-04-2026
CORAM
THE HON'BLE MR JUSTICE M.DHANDAPANI
WP No. 10636 of 2026
MRS.Jayalakshmi
W/o.(late) Srinivasan,
Door No.3/342, Lakshmipuram Colony,
Kuppusamy naidupuram,
Semipalayam, palladam - 641662.
Tiruppur District.
..Petitioner(s)
Vs
1. The Branch Manager,
canara bank,
semipalayam taluk,
kuppusamynaidupuram,
Palladam Taluk,
Tiruppur District.
2. The Regional Manager,
Canara bank,
166, I and II floor, thiruvenkatasamy road w,
R.S.Puram, coimbatore - 641002.
Tamilnadu, India.
3. sumathy
D/o.(late) srinivasan,
Door No.3/342, Lakshmipuram colony,
kuppusamy naidupuram,
semipalayam, palladam - 641662,
Tiruppur District.
4. nirmala
D/o.(late) srinivasan,
Door No.273/B5,
2ND viswanathan nagar,
kovilpatti - 628716,
Tuticorin District.
..Respondent(s)
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Prayer: Writ Petition is filed under Article 226 of the Constitut ion of India
praying for issuance of writ of Mandamus directing the first respondent to
return the jewels viz., Aaram weighing 10 grams, Hip chain weighing 21 grams,
chain weighing 18 grams and watch weighing 16 grams. (Total weight 165
grams) pledged vide Gold Loan No.3759842002342 to the petitioner by
considering her representation dated 23.08.2025 within a time frame fixed by
this Hon'ble Court.
WP No. 10636 of 2026
For Petitioner(s): Mr.S.P.Meenakshi Sundharam
For Respondent(s): Mr.R.Sridhar, for R1 and R2
No appearance for R3 and R4
Order
This writ petition is filed by the petitioner to direct the f irst respondent to
return the jewels to the petitioner by considering her representation dated
23.08.2025.
2. Case of the petitioner is that the petitioner is a housewife and her
husband was died on 02.02.2016 leaving behind the petitioner and her daughters
Sumathy and Nirmala, who are the respondents 3 and 4 herein, as his surviving
legal heirs. During his lifetime, he had pledged the petitioner’s jewels with the
Canara Bank and availed a loan of Rs.2,00,000/-. After the demise of her
husband, when the petitioner approached the 1 st respondent Bank and enquired
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about the jewel loan details, the officials of the 1 st respondent informed that the
balance loan amount to be paid was Rs.2,07,370/-. Hence, the petitioner and her
first daughter with great difficulty arranged the funds and repaid the loan. Even
after the loan amount was repaid, the bank officials refused to return the jewels
and insisted the petitioner to bring the legal heirs of her late husband. According
to the petitioner, the 4th respondent who is the second daughter refused to appear
before the Bank. Hence, the petitioner sent representation dated 23.08.2025 t o
the 2nd respondent Bank. Since no action has been taken on the said
representation, the petitioner is before this Court.
3. The learned counsel appearing for the petitioner submitted that upon
repayment of the entire loan amount, the bank official cannot insist upon the
presence of all the legal heirs, especially when such insistence had not been
made while repaying the loan amount. It was further submitted that the
petitioner is ready and willing to execute an indemnity bond for r eturn of the
pledged jewels.
4. The learned counsel appearing for the 1 st respondent fairly conceded
that that the petitioner has repaid the entire jewel loan amount.
5. Heard both sides and also perused the materials placed on record.
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6. Though notice was served on the respondents 3 and 4, they have
neither appeared in person nor through counsel. Therefore, this Court is inclined
to presume that they have no objection for return of the pledged jew els to the
petitioner. Considering the facts and circumstances of the case, par ticularly the
fact that the jewels belong to the petitioner and that the entir e loan amount has
already been repaid, this Court is of the view that the petitioner is entitled to
return of the jewels. Accordingly, the respondents 1 and 2 are direc ted to return
the pledged jewels to the petitioner, on the petitioner executing a n indemnity
bond, within a period of four weeks from the date of receipt of a co py of this
order.
7. Accordingly, this Writ Petition is disposed of. No costs.
06-04-2026
Index: Yes/No
Speaking/Non-speaking order
Neutral Citation: Yes/No
SK
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To
1. The Branch Manager,
canara bank,
semipalayam taluk,
kuppusamynaidupuram,
Palladam Taluk,
Tiruppur District.
2. The Regional Manager,
Canara bank,
166, I and II floor, thiruvenkatasamy road w,
R.S.Puram, coimbatore - 641002.
Tamilnadu, India.
3. sumathy
D/o.(late) srinivasan,
Door No.3/342, Lakshmipuram colony,
kuppusamy naidupuram,
semipalayam, palladam - 641662,
Tiruppur District.
4. nirmala
D/o.(late) srinivasan,
Door No.273/B5,
2ND viswanathan nagar,
kovilpatti - 628716,
Tuticorin District.
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M.DHANDAPANI J.
sk
WP No. 10636 of 2026
06-04-2026
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