Authority: High Court of Judicature at Madras (Chief Justice SUSHRUT ARVIND DHARMADHIKARI and Justice G. Arul Murugan)

Order Date: 09 July 2026

Case Overview

  • Petitioner: Sharin Sheela Mary, represented by Ms. R. Libina Jose (on behalf of Mr. G. Daisy John).
  • Respondents: 1) M/s. PNB Housing Finance Ltd. (represented by its Branch Manager, Sudarshan Building, Chennai)

2) Bharati Axa Life Insurance Company Ltd. (represented by Authorized Signatory Ms. Snehal Sawant, BKC, Mumbai)

3) The Authorized Officer, M/s. PNB Housing Finance Ltd., Regional Collections Manager, Guindy, Chennai.

  • Prayer: Under Article 226 of the Constitution, petitioner sought a writ of mandamus directing the 1st respondent to waive two home loans (Loan Account Nos.: HOU/CHE/0416/279767 and NHL/CHE/0416/280501) taken by the petitioner’s deceased husband, Mr. L. Vincent Paul, and to return the original title deeds of the property at No.89, 5th Street, Bharathi Nagar, Muthupudupet, Avadi, Chennai‑55, which were posted as collateral.
  • The loans were securitised by Group Insurance Policy No. 10000067 (Insurance ID PNBHFLHOUCHE04 16279767449 and PNBHFLNHLCH304 16280501449) under the product "Life Supreme Protect Loan Secure" with the 2nd respondent, effective 11 March 2019.
  • Counsel for the petitioner argued the petition was rendered infructuous; no further substantive arguments were recorded.

Final Outcome

  • The Court held the petition rendered infructuous and dismissed it.
  • No order as to costs was made.
  • Consequently, the interim application filed by the petitioner stands closed.

Topics: Court Order, Home Loan Litigation, Mortgage Security

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