THE HON’BLE SRI JUSTICE N.V. RAMANA W.P. No.6650 of 2009 O r d e r: The petitioner states one of his friends by name Sri Dasari Upender had taken loan of Rs.1,00,000/- from the respondent-Bank, and that he and two others, stood as guarantors for the said amount. As the principal borrower stopped repaying the loan amount, the petitioner states that the respondent started deducting an amount of Rs.1,500/- from his bank account from the month of November, 2008, and such action of the respondent, according to the petitioner is illegal and arbitrary, and prays for appropriate directions to the respondent not to deduct any amount from the petitioner. Heard the learned counsel for the petitioner and the learned Standing Counsel for the respondent-Bank. Admittedly, the petitioner stood as guarantor for the loan amount taken by one of his friends Sri Dasari Upender. According to the respondent, as is evident from the counter, the borrower did not repay the loan amount, and therefore, they started deducting the loan amount from the bank accounts of the petitioner as well as the borrower, and to evidence that the respondent is not just deducting from the petitioner, who stood as guarantor, but is also deducting from the borrower, filed copy of the statement of account the borrower, which shows that the respondent is deducting an amount of Rs.2,500/- per month regularly from 07.06.2008. Hence, the petitioner cannot contend that the respondent without proceeding against the borrower, is deducting an amount of Rs.1,500/- per month for recovery of the loan amount borrower by his friend. Be that as it may, the law is well settled that if the borrower fails to repay the loan amount, and once a person stands as surety/guarantor for the loan amount, he is jointly and severally liable to pay the same, and in the event of default, the bank which grants the loan, is at liberty to proceed either against the borrower or against the sureties/guarantor or against both of them simultaneously. That being so, no exception can be taken to the action of the respondent in deducting an amount of Rs.1,500/- from the bank account of the petitioner from the month of November, 2008. Hence, there is no merit in the writ petition, and the same is accordingly dismissed. However, the petitioner is at liberty to proceed against the borrower for recovery of the amounts which has been deducted by the respondent from his bank account towards satisfaction of the loan amount taken by the borrower. No costs. ___________________ N.V. RAMANA, J. Dated: September, 2009 KSR