HDFC BANK LTD. & ORSversusUNION OF INDIA & ORS.

502                      [2022]REPORTS
               SUPREME COURT   13 S.C.R. 502               [2022] 13 S.C.R.


A                         HDFC BANK LTD. & ORS.
                                        v.
                          UNION OF INDIA & ORS.
               I.A. No. 68597 of 2021 and I.A. No. 51632 of 2022
B                                       In
                      Writ Petition (Civil) No. 1159 of 2019
                             SEPTEMBER 30, 2022
                [B. R. GAVAI AND C. T. RAVIKUMAR, JJ.]
C
             Constitution of India – Article 32 – Writ petitions, in effect,
      challenging earlier judgment of Supreme Court – Maintainability
      of – Finality of judgment vis-à-vis principle of ex debito justitiae –
      Right to Information Act, 2005 – s.8 – Reserve Bank of India Act,
      1934 – Banking Regulation Act, 1949 – Present writ petitions filed
D     by various Banks including private banks, inter alia, challenging
      the action of the respondent-Reserve Bank of India in directing
      disclosure of confidential and sensitive information pertaining to
      their affairs, employees and customers under the RTI Act, which as
      per them is otherwise exempt u/s.8 – IAs filed seeking dismissal of
      the writ petitions contending that the writ petitions, in effect, are
E     challenging the final judgment and order dt. 16.12.15 passed by
      Supreme Court in Reserve Bank of India vs. Jayantilal N. Mistry and
      hence not maintainable – Held: In view of the judgment in Jayantilal
      N. Mistry, the RBI is entitled to issue directions to the petitioners/
      Banks to disclose information even with regard to the individual
F     customers of the Bank which in effect, may adversely affect the
      individuals’ fundamental right to privacy – Nine-Judge Constitution
      Bench in K.S. Puttaswamy and another has held that the right to
      privacy is a fundamental right – Right to information is also a
      fundamental right – In case of such a conflict, the Court is required
      to achieve a sense of balance – Though, the concept of finality of
G     judgment has to be preserved, at the same time, the principle of ex
      debito justitiae cannot be given a go-bye – If the Court finds that the
      earlier judgment does not lay down a correct position of law, it is
      always permissible for this Court to reconsider the same and if
      necessary, to refer it to a larger Bench – Prima facie, the judgment
H     in Jayantilal N. Mistry did not take into consideration the aspect of
                                        502
    HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                          503


balancing the right to information and the right to privacy – RBI           A
has issued the directions in view of the decision in Jayantilal N. Mistry
and Girish Mittal – As such, the petitioners would have no other
remedy than to approach this Court by way of writ petition u/Article
32 for protection of the fundamental rights of their customers, who
are citizens of India – Preliminary objection raised is rejected – IAs
                                                                            B
dismissed.
      A. R. Antulay v. R. S. Nayak and Another (1988) 2 SCC
      602 : [1988] 1 Suppl. SCR 1; K. S. Puttaswamy and
      Another v. Union of India and Others (2017) 10 SCC 1
      : [2017] 10 SCR 569 – followed.
                                                                            C
      Sanjay Singh and Another v. U. P. Public Service
      Commission, Allahabad and Another (2007) 3 SCC 720:
      [2007] 1 SCR 235 – relied on.
      Reserve Bank of India v. Jayantilal N. Mistry (2016) 3
      SCC 525 : [2015] 14 SCR 505; Girish Mittal v. Parvati                 D
      V. Sundaram and Another (2019) 20 SCC 747
      Contempt Petition (C) No. 928 of 2016 in Transfer
      Case (C) No. 95 of 2015, decided on 26th April 2019;
      Naresh Shridhar Mirajkar and Others v. State of
      Maharashtra and Anr. [1966] 3 SCR 744; Anil Kumar
      Barat v. Secretary, Indian Tea Association and Others                 E
      (2001) 5 SCC 42 : 2001 (1) Suppl. JT 241; Khoday
      Distilleries Ltd. and Another v. Registrar General,
      Supreme Court of India (1996) 3 SCC 114 : [1995] 6
      Suppl. SCR 190; Mohd. Aslam v. Union of India and
      Others (1996) 2 SCC 749 : [1996] 3 SCR 782; Union                     F
      of India and Others v. Major S. P. Sharma and Others
      (2014) 6 SCC 351 : [2014] 4 SCR 327; Rupa Ashok
      Hurra v. Ashok Hurra and Another (2002) 4 SCC 388
      : [2002] 2 SCR 1006; Chief Information Commissioner
      v. High Court of Gujarat and Another (2020) 4 SCC
      702 : 2020 (4) JT 272; Supreme Court Advocates on                     G
      Record Association and Another v. Union of India
      (2016) 5 SCC 1 : [2015] 13 SCR 1; Thalappalam
      Service Cooperative Bank Limited and Others v. State
      of Kerala and Others (2013) 16 SCC 82 : [2013] 14
      SCR 475; Bihar Public Service Commission v. Saiyed                    H
504            SUPREME COURT REPORTS                        [2022] 13 S.C.R.


A           Hussain Abbas Rizwi and Another (2012) 13 SCC 61 :
            [2012] 11 SCR 1032; Girish Ramchandra Deshpande
            v. Central Information Commissioner and Others (2013)
            1 SCC 212 : [2012] 8 SCR 1097; Manohar Joshi v.
            Nitin Bhaurao Patil and Another (1996) 1 SCC 169:
            [1995] 6 Suppl. SCR 421; S. R. Bommai and Others v.
B
            Union of India and Others (1994) 3 SCC 1 : [1994] 2
            SCR 644 – referred to.
                             Case Law Reference
      [2015] 14 SCR 505                referred to       Para 5
C     [1966] 3 SCR 744                 referred to       Para 8
      [1988] 1 Suppl. SCR 1            followed          Para 8
      [1995] 6 Suppl. SCR 190          referred to       Para 10
      [1996] 3 SCR 782                 referred to       Para 10
D
      [2014] 4 SCR 327                 referred to       Para 10
      [2002] 2 SCR 1006                referred to       Para 10
      [2017] 10 SCR 569                followed          Para 14
      [2015] 13 SCR 1                  referred to       Para 14
E
      [2007] 1 SCR 235                 relied on         Para 15
      [2013] 14 SCR 475                referred to       Para 16
      [2012] 11 SCR 1032               referred to       Para 17
      [2012] 8 SCR 1097                referred to       Para 17
F
      [1995] 6 Suppl. SCR 421          referred to       Para 26
      [1994] 2 SCR 644                 referred to       Para 26
            CIVIL ORIGINAL/APPELLATE JURISDICTION: I.A. No.
      68597 of 2021 and I.A. No. 51632 of 2022 in & Writ Petition (Civil) No.
G     1159 of 2019.
            Under Article 32 of The Constitution Of India
            With

H
    HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                               505


       I.A. No. 54521 of 2022 in & Writ Petition (Civil) Nos. 683 of             A
2021, 1469 of 2019, 690, 709, 768, 765 Of 2021, Special Leave Petition
(Civil) No. 14343 of 2022.
       Tushar Mehta, SG, Dushyant Dave, Ms. Garima Prasad, Rakesh
Dwivedi, Jaideep Gupta, K.V. Vishwanathan, Mukul Rohatgi, Sr. Advs.,
Prashant Bhushan, Pranav Sachdeva, Ms. Jatin Bhardwaj, Ms. Neha                  B
Rathi, Sarfaraz Khan, Ram Swarup Sharma, Firasat Ali Siddiqui, Ravi
S. Gupta, Ms. Praveena Gautam, Pawan Shukla, Raja Ram, Aman S.
Sharma, Aman Rastogi, K.K. Gautam, O. P. Gaggar, Sachindra Karn,
Divyanshu Sahay, Ms. Shradha Narayan, Akshay Sahay, Gaurav Goel,
Rajesh Kumar, Rajesh Kumar Gautam, Anant Gautam, Nipun Sharma,
Sachin Singh, Vidur Ahluwalia, Rakesh Sinha, Anand Srivastava, Aashish           C
Srivastava, Samjyar Lepcha, M/s. Lex Regis Law Offices, Rajat Nair,
Navanjay Mahapatra, Niranjna Singh, Ms. Bani Dikshit, Sanjay Kapur,
Ms. Megha Karnwal, Arjun Bhatia, Raj Bahadur Yadav, Ms. Misha,
Siddhant Kant, Ms. Mahima Sareen, Ms. Moulshree Shukla, Eklavya
Dwivedi, Rahul Gupta, Krishnan Singhal, S. S. Shroff, H. S. Parihar,             D
Kuldeep S. Parihar, Ms. Ikshita Parihar, Pranav Sachdeva, Amrutya,
Chanakya, Ms. Bindi Girish Dave, Dharav Shah, Ms. Apoorva Kaushik,
Dhawal Desai, Aman Raj Gandhi, Ms. Bindi Dave, Pranaya Goyal,
Amartiya Sharan, Nikhil Rohatgi, Shashank Khurana, Aman Gandhi, Advs.
for the appearing parties.
                                                                                 E
       The Order of the Court was passed by
       B. R. GAVAI, J.
       1. For the reasons stated in I.A. No.68597 of 2021 in Writ Petition
(Civil) No.1159 of 2019 for Impleadment, the same is allowed.
                                                                                 F
       2. This batch of writ petitions has been filed by various Banks
including private banks, inter alia, challenging the action of the respondent-
Reserve Bank of India (hereinafter referred to as “RBI”) in directing
disclosure of confidential and sensitive information pertaining to their
affairs, their employees and their customers under the Right to Information
Act, 2005 (hereinafter referred to as “the RTI Act”), which, in their            G
submission, is otherwise exempt under Section 8 thereof.
      3. We are treating Writ Petition (Civil) No. 1159 of 2019 as the
lead matter.

                                                                                 H
506             SUPREME COURT REPORTS                             [2022] 13 S.C.R.


A            4. Interlocutory Applications being I.A. No. 51632 of 2022 in Writ
      Petition (Civil) No.1159 of 2019 and I.A. No.54521 of 2022 in Writ Petition
      (Civil) No.683 of 2021 have been filed by the applicant - Girish Mittal,
      thereby seeking dismissal of the present writ petitions.
             5. It is the contention of the applicant that the present writ petitions,
B     in effect, are challenging the final judgment and order dated 16 th
      December 2015, passed by this Court in the case of Reserve Bank of
      India vs. Jayantilal N. Mistry1 and hence the same is not maintainable
      and is liable to be dismissed.
            6. We have heard Mr. Prashant Bhushan, learned counsel
C     appearing on behalf of the applicant-Girish Mittal and Mr. Rakesh
      Dwivedi, Mr. Mukul Rohatgi, Mr. Dushyant Dave, Mr. Jaideep Gupta,
      and Mr. K.V. Viswanathan, learned Senior Counsels and Mr. Divyanshu
      Sahay, learned counsel appearing on behalf of the writ petitioners/Banks.
             7. Mr. Prashant Bhushan, learned counsel, submitted that the issue
D     which is sought to be raised in the present writ petitions has already
      been put to rest by a judgment of this court in the case of Jayantilal N.
      Mistry (supra). It is further submitted that this Court, in the case of
      Girish Mittal vs. Parvati V. Sundaram and another2, while holding
      that the RBI has committed contempt of this Court by exempting
      disclosure of material that was directed to be given by this Court, has
E     also held that the RBI was duty bound to furnish all information relating
      to inspection reports and other materials.
              8. Mr. Prashant Bhushan relies on the judgment of a Nine-Judge
      Bench of this Court in the case of Naresh Shridhar Mirajkar and
      others vs. State of Maharashtra and Anr.3 in support of his proposition
F     that a judicial decision cannot be corrected by this Court in exercise of
      its jurisdiction under Article 32 of the Constitution of India. He also relied
      on the judgment of a Seven-Judge Bench of this Court in the case of
      A.R. Antulay vs. R.S. Nayak and another4 to contend that the judicial
      proceedings in this Court are not subject to the writ jurisdiction thereof.
G           9. Mr. Prashant Bhushan further submitted that this Court in the
      case of Anil Kumar Barat vs. Secretary, Indian Tea Association and
      1
        (2016) 3 SCC 525
      2
        (2019) 20 SCC 747 = Contempt Petition (C) No. 928 of 2016 in Transfer Case (C)
      No. 95 of 2015, decided on 26 th April 2019
      3
        (1966) 3 SCR 744
H     4
        (1988) 2 SCC 602
    HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                           507
                   [B. R. GAVAI, J.]

others5 has also held that the validity of an order passed by this Court     A
itself cannot be subject to writ jurisdiction of this Court.
      10. Mr. Bhushan also relied on the judgments of a Three-Judge
Bench of this Court in the cases of Khoday Distilleries Ltd. and another
vs. Registrar General, Supreme Court of India6, Mohd. Aslam vs.
Union of India and others7 and Union of India and others vs. Major           B
S.P. Sharma and others8 and the judgment of a Five-Judge Bench of
this Court in the case of Rupa Ashok Hurra vs. Ashok Hurra and
another9 to buttress his submissions.
       11. Mr. Bhushan further submitted that in the case of Jayantilal
N. Mistry (supra), several Miscellaneous Applications were filed on          C
behalf of the Banks for impleadment. As such, the judgment delivered in
the case of Jayantilal N. Mistry (supra) is after consideration of rival
submissions, which now cannot be reopened. He further submitted that
this Court by order dated 28th April 2021, passed in M.A. No.2342 of
2019 in Transferred Case (Civil) No.91 of 2015 and other connected
matters has specifically rejected the prayer filed by the Banks (writ        D
petitioners herein) for recall of the judgment dated 16th December 2015
passed by this Court in the case of Jayantilal N. Mistry (supra), and
as such, the present writ petitions are liable to be dismissed.
        12. Per contra, the learned Senior Counsels appearing on behalf
of the writ petitioners/Banks submit that though M.A. No.2342 of 2019        E
in Transferred Case (Civil) No.91 of 2015 and other connected matters
were rejected by this Court by order dated 28th April 2021, this Court
clarified that the dismissal of those applications shall not prevent the
applicant-Banks therein to pursue other remedies available to them in
law. It is thus submitted that the said order would not come in the way of   F
the present petitioners in filing the present petitions.
       13. It is submitted that Section 11 of the RTI Act provides that
when any information relating to third party has been sought, a written
notice is required to be given to such third party of the request, by the
Central Public Information Officer or State Public Information Officer,      G
as the case may be, and the submissions by such third party are required
5
  (2001) 5 SCC 42
6
  (1996) 3 SCC 114
7
  (1996) 2 SCC 749
8
  (2014) 6 SCC 351
9
  (2002) 4 SCC 388                                                           H
508             SUPREME COURT REPORTS                         [2022] 13 S.C.R.


A     to be taken into consideration while taking a decision about the disclosure
      of the information. Reliance in this respect has been placed on the
      judgment of this Court in the case of Chief Information Commissioner
      vs. High Court of Gujarat and another10. It is submitted that this
      Court in the case of Jayantilal N. Mistry (supra) has not taken into
      consideration this aspect of the matter.
B
             14. It is further submitted on behalf of the writ petitioners/Banks
      that the right to privacy has been said to be as implicit fundamental right
      by a Five-Judge Constitution Bench of this Court in the case of Supreme
      Court Advocates-on-Record Association and another vs. Union of
      India11. It is submitted that the said view is also reiterated by a Nine-
C     Judge Constitution Bench of this Court in the case of K.S. Puttaswamy
      and another vs Union of India and others12, which has explicitly and
      categorically recognised the right to privacy as a fundamental right.
             15. Mr. Rakesh Dwivedi, learned Senior Counsel, relied on the
      judgment of this Court in the case of A.R. Antulay (supra) in support of
D     the proposition that no man should suffer because of the mistake of the
      Court. He submits that the rules of procedure are the handmaidens of
      justice and not the mistress of justice. He relies on the maxim “ex debito
      justitiae”. He further relies on the judgment of this Court in the case of
      Sanjay Singh and another vs. U.P. Public Service Commission,
E     Allahabad and another13 in support of the submission that the petition
      would be tenable.
             16. Mr. Mukul Rohatgi, learned Senior Counsel, submitted that
      the petitioners herein are private banks and not a public authority as
      defined under the RTI Act. He relies on the judgment of this Court in the
F     case of Thalappalam Service Cooperative Bank Limited and others
      vs. State of Kerala and others14 in that regard. He submitted that RBI’s
      Inspection Reports in respect of the inspection carried out under Section
      35 of the Banking Regulation Act, 1949 are so confidential that they
      cannot even be provided to the Directors individually. He relies on the
      communication issued by the RBI to all the Banks dated 14th March
G     1998 in this regard.

      10
         (2020) 4 SCC 702
      11
         (2016) 5 SCC 1
      12
         (2017) 10 SCC 1
      13
         (2007) 3 SCC 720
H     14
         (2013) 16 SCC 82
       HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                           509
                      [B. R. GAVAI, J.]

       17. Mr. Rohatgi further submitted that an earlier policy as notified     A
by the RBI on 30th June 1992 was in tune with the provisions of Section
8 of the RTI Act, the provisions of the Reserve Bank of India Act, 1934
(hereinafter referred to as “the RBI Act”) and the Banking Regulation
Act, 1949. However, in view of the judgment of this Court in the case of
Girish Mittal (supra), the RBI has modified the policy into a one-line
                                                                                B
policy, providing therein that the disclosure of information was to be in
accordance with the judgment and order of this Court in Girish Mittal
(supra). Mr. Rohatgi, learned Senior Counsel relied on the judgment of
this Court in the case of Bihar Public Service Commission vs. Saiyed
Hussain Abbas Rizwi and another15 in support of his submission that
the Court will have to strike a balance between public interest and private     C
interest. He also relies on the judgment of this Court in the case of
Girish Ramchandra Deshpande vs. Central Information
Commissioner and others16 to contend that personal information cannot
be directed to be disclosed unless outweighing public interest demands it
to be done.
                                                                                D
      18. Mr. K.V. Viswanathan, learned Senior Counsel submits that
HDFC Bank, Kotak Bank and Bandhan Bank were not parties in the
case of Jayantilal N. Mistry (supra). He submits that sub-Section (5)
of Section 35 of the Banking Regulation Act, 1949 provides a specific
procedure as to in what manner the inspection report would be published.
He submits that when a special Act provides a particular manner for             E
disclosure of an information, it will have an overriding effect over the
RTI Act. The learned Senior Counsel submits that the said provisions
were not noticed in the case of Jayantilal N. Mistry (supra).
      19. Mr. Jaideep Gupta, learned Senior Counsel submitted that this
Court in the case of Jayantilal N. Mistry (supra) has not taken into            F
consideration the provisions of the Credit Information Companies
(Regulation) Act, 2005.
       20. Mr. Dushyant Dave, learned Senior Counsel, submitted that
Section 45NB of the RBI Act emphasizes on the confidentiality of certain
information with regard to non-banking companies. He submits that sub-          G
section (4) of Section 45NB of the RBI Act, which is a non-obstante
clause, provides that, notwithstanding anything contained in any law for
the time being in force, no court or tribunal or other authority shall compel
15
     (2012) 13 SCC 61
16
     (2013) 1 SCC 212                                                           H
510             SUPREME COURT REPORTS                            [2022] 13 S.C.R.


A     the Bank to produce or to give inspection of any statement or other
      material obtained by the Bank under any provisions of this Chapter. He
      submits that this provision has not been noticed in the case of Jayantilal
      N. Mistry (supra).
             21. It is submitted on behalf of all the writ petitioners/Banks that
B     what is under challenge is the action of the RBI compelling the petitioners
      to disclose certain information which itself is exempted under the
      provisions of the RBI Act. It is submitted that various other special
      enactments specifically prohibit such information to be disclosed. It is
      submitted that since the RBI’s directions are issued in pursuance to the
      judgments of this Court in the cases of Jayantilal N. Mistry (supra)
C     and Girish Mittal (supra), the petitioners cannot approach the High
      Court and the only remedy that is available to the petitioners is by way
      of the present writ petitions. It is submitted by learned Senior Counsels
      appearing on behalf of the writ petitioners/Banks that this Court in
      Jayantilal N. Mistry (supra) does not notice the judgment of this Court
D     in the case of Supreme Court Advocates-on-Record Association and
      another (supra). The judgment of this Court in the case of Supreme
      Court Advocates-on-Record Association and another (supra) was
      rendered on 16th October 2015, whereas the judgment of this Court in
      the case of Jayantilal N. Mistry (supra) was rendered on 16th December
      2015. It is further submitted that, in view of the judgment of the
E     Constitution Bench consisting of Nine Hon’ble Judges in the case of
      K.S. Puttaswamy and another (supra) clearly recognizing the right to
      privacy as a fundamental right, the law laid down by this Court in the
      case of Jayantilal N. Mistry (supra) to the contrary is no more a good
      law and, therefore, requires reconsideration by a larger Bench.
F            22. In the case of Naresh Shridhar Mirajkar and others (supra),
      a Nine-Judge Constitution Bench of this Court was considering as to
      whether an order passed by the High Court on original side in the
      proceedings before it could be challenged under Article 32 of the
      Constitution for enforcement of fundamental rights guaranteed under
G     Article 19(1)(a), (d) and (g) of the Constitution of India. It will be relevant
      to refer to the following observations of this Court in the said case:
             “The basis of Mr Setalvad’s argument is that the impugned order
             is not an order inter-partes, as it affects the fundamental rights of
             the strangers to the litigation, and that the said order is without
H            jurisdiction. We have already held that the impugned order
    HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                                511
                   [B. R. GAVAI, J.]

      cannot be said to affect the fundamental rights of the                      A
      petitioners and that though it is not inter-partes in the sense
      that it affects strangers to the proceedings, it has been passed
      by the High Court in relation to a matter pending before it for
      its adjudication and as such, like other judicial orders passed
      by the High Court in proceedings pending before it, the
                                                                                  B
      correctness of the impugned order can be challenged only by
      appeal and not by writ proceedings. We have also held that the
      High Court has inherent jurisdiction to pass such an order.
             But apart from this aspect of the matter, we think it would
      be inappropriate to allow the petitioners to raise the question about
      the jurisdiction of the High Court to pass the impugned order in            C
      proceedings under Article 32 which seek for the issue of a writ of
      certiorari to correct the said order. If questions about the jurisdiction
      of superior courts of plenary jurisdiction to pass orders like the
      impugned order are allowed to be canvassed in writ proceedings
      under Article 32, logically, it would be difficult to make a valid          D
      distinction between the orders passed by the High Courts inter-
      partes, and those which are not inter-partes in the sense that they
      bind strangers to the proceedings. Therefore, in our opinion, having
      regard to the fact that the impugned order has been passed by a
      superior court of record in the exercise of its inherent powers, the
      question about the existence of the said jurisdiction as well as the        E
      validity or propriety of the order cannot be raised in writ proceedings
      taken out by the petitioners for the issue of a writ of certiorari
      under Article 32.”
                                                        [emphasis supplied]
                                                                                  F
        23. It could thus be seen that the Nine-Judge Bench of this Court,
speaking through P.B. Gajendragadkar, CJ., categorically held that the
impugned orders could not affect the fundamental rights of the petitioners.
It has further been held that since the order was passed in the proceedings
pending before the High Court, the correctness of the impugned order
could be challenged only by appeal and not by writ proceedings. It has            G
been further held that, having regard to the fact that the order had been
passed by a superior court of record in the exercise of its inherent powers,
the question about the existence of the said jurisdiction as well as the
validity or propriety of the order could not be raised in writ proceedings
                                                                                  H
512             SUPREME COURT REPORTS                          [2022] 13 S.C.R.


A     taken out by the petitioners for the issue of a writ of certiorari under
      Article 32. This Court further observed thus:
            “We are, therefore, satisfied that so far as the jurisdiction of this
            Court to issue writs of certiorari is concerned, it is impossible to
            accept the argument of the petitioners that judicial orders passed
B           by High Courts in or in relation to proceedings pending before
            them, are amenable to be corrected by exercise of the said
            jurisdiction. We have no doubt that it would be unreasonable to
            attempt to rationalise the assumption of jurisdiction by this
            Court under Article 32 to correct such judicial orders on the
            fanciful hypothesis that High Courts may pass extravagant
C           orders in or in relation to matters pending before them and
            that a remedy by way of a writ of certiorari should, therefore,
            be sought for and be deemed to be included within the scope
            of Article 32. The words used in Article 32 are no doubt wide;
            but having regard to the considerations which we have set out in
D           the course of this judgment, we are satisfied that the impugned
            order cannot be brought within the scope of this Court’s jurisdiction
            to issue a writ of certiorari under Article 32; to hold otherwise
            would be repugnant to the well-recognised limitations within which
            the jurisdiction to issue writs of certiorari can be exercised and
            inconsistent with the uniform trend of this Court’s decisions in
E           relation to the said point.”
                                                             [emphasis supplied]
             24. It could thus be seen that this Court held that it would be
      unreasonable to hold that this Court, under Article 32, could correct the
F     judicial orders on the fanciful hypothesis that High Courts may pass
      extravagant orders in or in relation to matters pending before them and
      therefore this Court can correct the same by issuance of a writ of certiorari
      under Article 32. This Court held that though the words used in Article
      32 are wide, the order impugned before it could not be brought within
      the scope of this Court’s jurisdiction to issue a writ of certiorari under
G     Article 32.
             25. Insofar as the judgment of this Court in the case of Khoday
      Distilleries Ltd. and another (supra), on which Mr. Prashant Bhushan
      placed reliance, is concerned, this Court in the said case was considering
      therein a challenge to the correctness of the decision on merits after the
H     appeal as well as review petition were dismissed.
       HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                              513
                      [B. R. GAVAI, J.]

       26. In the case of Mohd. Aslam (supra), this Court held that                A
Article 32 of the Constitution was not available to assail the correctness
of a decision on merits or to claim reconsideration. It, however, considered
the contention raised on behalf of the petitioners that the judgment in the
case of Manohar Joshi vs. Nitin Bhaurao Patil and another17 was in
conflict with the Constitution Bench judgement of this Court in the case
                                                                                   B
of S.R. Bommai and others vs. Union of India and others 18. This
Court after considering the submissions found that the opinion so
expressed was misplaced.
      27. Insofar as the judgment of this Court in the case of Major
S.P. Sharma and others (supra) is concerned, in the said case, the first
round of litigation arising out of termination of respondent-employee had          C
reached finality upto this Court. However, the same was sought to be
reopened by filing another writ petition before the High Court. In this
background, this Court observed thus:
          “90. Violation of fundamental rights guaranteed under the
          Constitution have to be protected, but at the same time, it is the       D
          duty of the court to ensure that the decisions rendered by the
          court are not overturned frequently, that too, when challenged
          collaterally as that was directly affecting the basic structure of
          the Constitution incorporating the power of judicial review of this
          Court. There is no doubt that this Court has an extensive power          E
          to correct an error or to review its decision but that cannot be
          done at the cost of doctrine of finality. An issue of law can be
          overruled later on, but a question of fact or, as in the present case,
          the dispute with regard to the termination of services cannot be
          reopened once it has been finally sealed in proceedings inter se
          between the parties up to this Court way back in 1980.”                  F

       28. It could thus be seen that this court has held that when a
question of fact has reached finality inter se between the parties, it cannot
be reopened in a collateral proceeding. However, it has been observed
that an issue of law can be overruled later on.
                                                                                   G
        29. Mr. Prashant Bhushan strongly relied on the judgment of this
Court in the case of Rupa Ashok Hurra (supra). It will be relevant to
refer to the following observations of this Court in the judgment of Quadri,
J.
17
     (1996) 1 SCC 169
18
     (1994) 3 SCC 1                                                                H
514      SUPREME COURT REPORTS                          [2022] 13 S.C.R.


A     “41. At one time adherence to the principle of stare decisis was
      so rigidly followed in the courts governed by the English
      jurisprudence that departing from an earlier precedent was
      considered heresy. With the declaration of the practice statement
      by the House of Lords, the highest court in England was enabled
      to depart from a previous decision when it appeared right to do
B
      so. The next step forward by the highest court to do justice
      was to review its judgment inter partes to correct injustice.
      So far as this Court is concerned, we have already pointed
      out above that it has been conferred the power to review its
      own judgments under Article 137 of the Constitution. The role
C     of the judiciary to merely interpret and declare the law was
      the concept of a bygone age. It is no more open to debate as it
      is fairly settled that the courts can so mould and lay down the
      law formulating principles and guidelines as to adapt and
      adjust to the changing conditions of the society, the ultimate
      objective being to dispense justice. In the recent years there
D
      is a discernible shift in the approach of the final courts in
      favour of rendering justice on the facts presented before them,
      without abrogating but bypassing the principle of finality of
      the judgment. In Union of India v. Raghubir Singh [(1989) 2
      SCC 754] Pathak, C.J. speaking for the Constitution Bench aptly
E     observed: (SCC pp. 766-67, para 10)
         “10. But like all principles evolved by man for the regulation of
         the social order, the doctrine of binding precedent is
         circumscribed in its governance by perceptible limitations,
         limitations arising by reference to the need for readjustment in
F        a changing society, a readjustment of legal norms demanded
         by a changed social context. This need for adapting the law to
         new urges in society brings home the truth of the Holmesian
         aphorism that ‘the life of the law has not been logic it has been
         experience’ (Oliver Wendell Holmes : The Common Law, p.
         5), and again when he declared in another study (Oliver Wendell
G        Holmes : Common Carriers and the Common Law, (1943) 9
         Curr LT 387, 388) that ‘the law is forever adopting new
         principles from life at one end’, and ‘sloughing off’ old ones at
         the other. Explaining the conceptual import of what Holmes
         had said, Julius Stone elaborated that it is by the introduction of
H
HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                           515
               [B. R. GAVAI, J.]

    new extra-legal propositions emerging from experience to serve       A
    as premises, or by experience-guided choice between
    competing legal propositions, rather than by the operation of
    logic upon existing legal propositions, that the growth of law
    tends to be determined (Julius Stone : Legal Systems &
    Lawyers Reasoning, pp. 58-59).”
                                                                         B
 42. The concern of this Court for rendering justice in a cause
 is not less important than the principle of finality of its
 judgment. We are faced with competing principles —
 ensuring certainty and finality of a judgment of the Court of
 last resort and dispensing justice on reconsideration of a
 judgment on the ground that it is vitiated being in violation of        C
 the principles of natural justice or giving scope for
 apprehension of bias due to a Judge who participated in the
 decision-making process not disclosing his links with a party
 to the case, or on account of abuse of the process of the court.
 Such a judgment, far from ensuring finality, will always remain         D
 under the cloud of uncertainty. Almighty alone is the dispenser of
 absolute justice — a concept which is not disputed but by a few.
 We are of the view that though Judges of the highest court do
 their best, subject of course to the limitation of human
 fallibility, yet situations may arise, in the rarest of the rare
 cases, which would require reconsideration of a final                   E
 judgment to set right miscarriage of justice complained of.
 In such case it would not only be proper but also obligatory
 both legally and morally to rectify the error. After giving our
 anxious consideration to the question, we are persuaded to hold
 that the duty to do justice in these rarest of rare cases shall have    F
 to prevail over the policy of certainty of judgment as though it is
 essentially in the public interest that a final judgment of the final
 court in the country should not be open to challenge, yet there
 may be circumstances, as mentioned above, wherein declining to
 reconsider the judgment would be oppressive to judicial conscience
 and would cause perpetuation of irremediable injustice.                 G

           xxx               xxx              xxx
 49. The upshot of the discussion in our view is that this Court, to
 prevent abuse of its process and to cure a gross miscarriage of
                                                                         H
516            SUPREME COURT REPORTS                          [2022] 13 S.C.R.


A           justice, may reconsider its judgments in exercise of its inherent
            power.”
                                                            [emphasis supplied]
             30. This Court in the aforesaid case held that the concern of this
      Court for rendering justice in a cause is not less important than the
B     principle of finality of its judgment. The Court has to balance ensuring
      certainty and finality of a judgment of the Court of last resort on one
      hand and dispensing justice on reconsideration of a judgment on the
      valid grounds on the other hand. This Court has observed that though
      Judges of the highest court do their best, yet situations may arise, in the
C     rarest of the rare cases, which would require reconsideration of a final
      judgment to set right miscarriage of justice complained of. It has been
      held that in such a case it would not only be proper but also obligatory
      both legally and morally to rectify the error. This Court further held that
      to prevent abuse of its process and to cure a gross miscarriage of justice,
      the Court may reconsider its judgments in exercise of its inherent power.
D
            31. This Court in the case of A.R. Antulay (supra), speaking
      through Sabyasachi Mukharji, J. observed thus:
            “82. Lord Cairns in Rodger v. Comptoir D’escompte De
            Paris [(1869-71) LR 3 PC 465, 475 : 17 ER 120] observed thus:
E               “Now, Their Lordships are of opinion, that one of the first and
                highest duties of all courts is to take care that the act of the
                court does no injury to any of the suitors, and when the
                expression ‘the act of the court’ is used, it does not mean merely
                the act of the primary court, or of any intermediate court of
F               appeal, but the act of the court as a whole, from the lowest
                court which entertains jurisdiction over the matter up to the
                highest court which finally disposes of the case. It is the duty
                of the aggregate of those Tribunals, if I may use the expression,
                to take care that no act of the court in the course of the whole
                of the proceedings does an injury to the suitors in the court.
G
            83. This passage was quoted in the Gujarat High Court by D.A.
            Desai, J., speaking for the Gujarat High Court in Soni
            Vrajlal v. Soni Jadavji [AIR 1972 Guj 148 : (1972) 13 Guj LR
            555] as mentioned before. It appears that in giving directions on
            16-2-1984, this Court acted per incuriam inasmuch it did not bear
H           in mind consciously the consequences and the provisions of
    HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                             517
                   [B. R. GAVAI, J.]

      Sections 6 and 7 of the 1952 Act and the binding nature of the           A
      larger Bench decision in Anwar Ali Sarkar case [AIR 1952 SC
      75 : 1952 SCR 284 : 1952 Cri LJ 510] which was not adverted to
      by this Court. The basic fundamentals of the administration of
      justice are simple. No man should suffer because of the mistake
      of the court. No man should suffer a wrong by technical procedure
                                                                               B
      of irregularities. Rules or procedures are the handmaids of justice
      and not the mistress of the justice. Ex debito justitiae, we must
      do justice to him. If a man has been wronged so long as it lies
      within the human machinery of administration of justice that wrong
      must be remedied. This is a peculiar fact of this case which
      requires emphasis.”                                                      C
       32. It could thus be seen that the principle of ex debito justitiae
has been emphasized. This Court held that no man should suffer because
of the mistake of the court. No man should suffer a wrong by technical
procedure of irregularities. It has been held that the rules of procedure
are the handmaidens of justice and not the mistress of justice. It has         D
further been held that if a man has been wronged, so long as the wrong
lies within the human machinery of administration of justice, that wrong
must be remedied.
      33. Ranganath Misra, J., in his concurrent opinion, observed thus:
      “102. This being the apex court, no litigant has any opportunity of      E
      approaching any higher forum to question its decisions. Lord
      Buckmaster in Montreal Street Railway Co. v. Normadin [1917
      AC 170] (sic) stated:
          All rules of court are nothing but provisions intended to secure
          proper administration of justice. It is, therefore, essential that   F
          they should be made to serve and be subordinate to that
          purpose.
      This Court in State of Gujarat v. Ramprakash P. Puri [(1969)
      3 SCC 156 : 1970 SCC (Cri) 29 : (1970) 2 SCR 875] reiterated
      the position by saying [SCC p. 159 : SCC (Cri) p. 31, para 8]            G
          Procedure has been described to be a handmaid and not a
          mistress of law, intended to subserve and facilitate the cause
          of justice and not to govern or obstruct it. Like all rules of
          procedure, this rule demands a construction which would
          promote this cause                                                   H
518      SUPREME COURT REPORTS                          [2022] 13 S.C.R.


A     Once judicial satisfaction is reached that the direction was not
      open to be made and it is accepted as a mistake of the court, it is
      not only appropriate but also the duty of the court to rectify the
      mistake by exercising inherent powers. Judicial opinion heavily
      leans in favour of this view that a mistake of the court can be
      corrected by the court itself without any fetters. This is on the
B
      principle as indicated in (Alexander) Rodger case [(1969-71) LR
      3 PC 465 : 17 ER 120]. I am of the view that in the present
      situation, the court’s inherent powers can be exercised to remedy
      the mistake. Mahajan., J. speaking for a Four Judge Bench
      in Keshardeo Chamria v. Radha Kissen Chamria [1953 SCR
C     136 : AIR 1953 SC 23] at Page 153 stated:
         The judge had jurisdiction to correct his own error without
         entering into a discussion of the grounds taken by the decree-
         holder or the objections raised by the judgment-debtors.
      103. The Privy Council in Debi Bakhsh Singh v. Habib
D     Shah [ILR (1913) 35 All 331] pointed out that an abuse of the
      process of the court may be committed by the court or by a party.
      Where a court employed a procedure in doing something which it
      never intended to do and there is an abuse of the process of the
      court it can be corrected. Lord Shaw spoke for the Law Lords
E     thus:
         Quite apart from Section 151, any court might have rightly
         considered itself to possess an inherent power to rectify the
         mistake which had been inadvertently made.
      It was pointed out by the Privy Council in The Bolivar [AIR 1916
F     PC 85] that:
         Where substantial injustice would otherwise result, the Court
         has, in Their Lordships’ opinion, an inherent power to set aside
         its own judgments of condemnation so as to let in bona fide
         claims by parties...
G
      Indian authorities are in abundance to support the view that injustice
      done should be corrected by applying the principle actus curia
      neminem gravabit — an act of the court should prejudice no one.
      104. To err is human, is the oft-quoted saying. Courts including
      the apex one are no exception. To own up the mistake when
H
    HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                              519
                   [B. R. GAVAI, J.]

      judicial satisfaction is reached does not militatte against its status    A
      or authority. Perhaps it would enhance both.”
       34. It has been held that this being the apex court, no litigant has
any opportunity of approaching any higher forum to question its decisions.
It has further been held that once a judicial satisfaction is reached that
the direction was not open to be made and it is accepted as a mistake of        B
the court, it is not only appropriate but also the duty of the court to
rectify the mistake by exercising its inherent powers. It has been held
that, to err is human, and the Courts including the Apex Court are no
exception.
      35. This Court in the case of Sanjay Singh and another (supra)            C
has observed thus:
      “10. The contention of the Commission also overlooks the
      fundamental difference between challenge to the final order
      forming part of the judgment and challenge to the ratio decidendi
      of the judgment. Broadly speaking, every judgment of superior             D
      courts has three segments, namely, (i) the facts and the point at
      issue; (ii) the reasons for the decision; and (iii) the final order
      containing the decision. The reasons for the decision or the ratio
      decidendi is not the final order containing the decision. In fact, in
      a judgment of this Court, though the ratio decidendi may point to a
      particular result, the decision (final order relating to relief) may be   E
      different and not a natural consequence of the ratio decidendi of
      the judgment. This may happen either on account of any subsequent
      event or the need to mould the relief to do complete justice in the
      matter. It is the ratio decidendi of a judgment and not the final
      order in the judgment, which forms a precedent. The term                  F
      “judgment” and “decision” are used, rather loosely, to refer to the
      entire judgment or the final order or the ratio decidendi of a
      judgment. Rupa Ashok Hurra [(2002) 4 SCC 388] is of course,
      an authority for the proposition that a petition under Article 32
      would not be maintainable to challenge or set aside or quash the
      final order contained in a judgment of this Court. It does not lay        G
      down a proposition that the ratio decidendi of any earlier
      decision cannot be examined or differed in another case.
      Where violation of a fundamental right of a citizen is alleged
      in a petition under Article 32, it cannot be dismissed, as not
      maintainable, merely because it seeks to distinguish or                   H
520            SUPREME COURT REPORTS                           [2022] 13 S.C.R.


A           challenge the ratio decidendi of an earlier judgment, except
            where it is between the same parties and in respect of the
            same cause of action. Where a legal issue raised in a petition
            under Article 32 is covered by a decision of this Court, the Court
            may dismiss the petition following the ratio decidendi of the earlier
            decision. Such dismissal is not on the ground of “maintainability”
B
            but on the ground that the issue raised is not tenable, in view of
            the law laid down in the earlier decision. But if the Court is
            satisfied that the issue raised in the later petition requires
            consideration and in that context the earlier decision requires
            re-examination, the Court can certainly proceed to examine
C           the matter (or refer the matter to a larger Bench, if the earlier
            decision is not of a smaller Bench). When the issue is re-
            examined and a view is taken different from the one taken earlier,
            a new ratio is laid down. When the ratio decidendi of the earlier
            decision undergoes such change, the final order of the earlier
            decision as applicable to the parties to the earlier decision, is in no
D
            way altered or disturbed. Therefore, the contention that a writ
            petition under Article 32 is barred or not maintainable with
            reference to an issue which is the subject-matter of an earlier
            decision, is rejected.”
                                                             [emphasis supplied]
E
             36. After referring to the judgment of this Court in the case of
      Rupa Ashok Hurra (supra), this Court has held that it does not lay
      down a proposition that the ratio decidendi of an earlier decision cannot
      be examined or differed with in another case. It has been held that if the
      Court is satisfied that the issue raised in the later petition requires
F     consideration and in that context, the earlier decision requires re-
      examination, the Court can certainly proceed to examine the matter or
      refer the matter to a larger Bench, if the earlier decision is not of a
      smaller Bench. This Court, therefore, specifically rejected the contention
      that a writ petition under Article 32 of the Constitution was barred or not
G     maintainable with reference to an issue which was the subject matter of
      an earlier decision.
            37. In the present case, admittedly, the writ petitioners/Banks were
      not parties in the case of Jayantilal N. Mistry (supra). Though the
      Miscellaneous Applications filed by HDFC Bank and others for recall of
H     the judgment and order in the case of Jayantilal N. Mistry (supra)
    HDFC BANK LTD. & ORS. v. UNION OF INDIA & ORS.                               521
                   [B. R. GAVAI, J.]

were rejected by this Court vide order dated 28th April 2021, this Court         A
in the said order specifically observed thus:
       “The dismissal of these applications shall not prevent the applicants
       to pursue other remedies available to them in law.”
       38. It is thus clear that this Court did not foreclose the right of the
petitioners/Banks to pursue other remedies available to them in law.             B

       39. In view of the judgment of this Court in the case of Jayantilal
N. Mistry (supra), the RBI is entitled to issue directions to the petitioners/
Banks to disclose information even with regard to the individual customers
of the Bank. In effect, it may adversely affect the individuals’ fundamental
right to privacy.                                                                C

       40. A Nine-Judge Constitution Bench of this Court in the case of
K.S. Puttaswamy and another (supra) has held that the right to privacy
is a fundamental right. No doubt that the right to information is also a
fundamental right. In case of such a conflict, the Court is required to
achieve a sense of balance.                                                      D
       41. A perusal of the judgments of this Court cited supra would
reveal that it has been held that though the concept of finality of judgment
has to be preserved, at the same time, the principle of ex debito justitiae
cannot be given a go-bye. If the Court finds that the earlier judgment
does not lay down a correct position of law, it is always permissible for        E
this Court to reconsider the same and if necessary, to refer it to a larger
Bench.
       42. Without expressing any final opinion, prima facie, we find
that the judgment of this Court in the case of Jayantilal N. Mistry
(supra) did not take into consideration the aspect of balancing the right        F
to information and the right to privacy. The petitioners have challenged
the action of the respondent-RBI, vide which the RBI issued directions
to the petitioners/Banks to disclose certain information, which according
to the petitioners is not only contrary to the provisions as contained in the
RTI Act, the RBI Act and the Banking Regulation Act, 1949, but also
                                                                                 G
adversely affects the right to privacy of such Banks and their consumers.
The RBI has issued such directions in view of the decision of this Court
in the case of Jayantilal N. Mistry (supra) and Girish Mittal (supra).
As such, the petitioners would have no other remedy than to approach
this Court. As observed by Ranganath Misra, J. in the case of A.R.
                                                                                 H
522             SUPREME COURT REPORTS                         [2022] 13 S.C.R.


A     Antulay (supra) that, this being the Apex Court, no litigant has any
      opportunity of approaching any higher forum to question its decision.
      The only remedy available to the petitioners would be to approach this
      Court by way of writ petition under Article 32 of the Constitution of
      India for protection of the fundamental rights of their customers, who
      are citizens of India.
B
             43. We, therefore, hold that the preliminary objection as raised is
      not sustainable. The same is rejected. I.A. No.51632 of 2022 in Writ
      Petition (Civil) No.1159 of 2019 and I.A. No.54521 of 2022 in Writ Petition
      (Civil) No.683 of 2021 are accordingly dismissed.
C
      Divya Pandey                                                   IAs dismissed.
      (Assisted by : Deepak Panwar, LCRA)




D




E




F




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H