SARWAR RAZA vs OMBUDSMAN RESERVE BANK OF INDIA & ANR.

$~J1 * IN THE HIGH COURT OF DELHI AT NEW DELHI Reserved on: 25th July, 2025 Pronounced on: 27th November, 2025. Uploaded on: 27th November, 2025 W.P.(C) 16659/2022 & CM APPL. 52510/2022 SARWAR RAZA .....Petitioner Through: Petitioner in person. versus OMBUDSMAN RESERVE BANK OF INDIA & ANR. ....Respondents Through: Mr. Ramesh Babu along with Mr. Rohan Srivastava, Ms. Jagriti Bharti and Ms. Tanya Chowdhary, Advs. for RBI. (M: 9873922734) Mr. Sanjeev Sindhwani, Sr. Adv. with Ms. Suruchi Suri, Advs. for R-2. (M: 9810255518) CORAM: JUSTICE PRATHIBA M. SINGH JUDGMENT Prathiba M. Singh, J. 1. This hearing has been done through hybrid mode. I. FACTUAL BACKGROUND 2. The long and arduous journey that a credit card holder has to undergo, when any fraudulent transactions take place on a credit card, is at the crux of this petition. 3. It is a matter of common knowledge that the increased use of various instruments for undertaking monetary transactions, such as – credit cards, W.P.(C) 16659/2022 4. The background giving rise to this case is that in January 2022, the Petitioner, who is also a practicing advocate in Delhi, was issued a credit card ending with xxxx xxxx xxxx 6173 (hereinafter, ‘cr