Published on : 22 Oct 2025, 10:57 am 3 min read

The Kerala Legislative Assembly’s recent passage of the Kerala Single Dwelling Place Protection Bill, 2025 marks one of the most ambitious and empathetic state interventions in India’s debt recovery framework.

The Bill seeks to protect families from losing their only home due to small loan defaults, and in doing so, it has brought the long-debated question of how to balance compassion with credit discipline back to the forefront of legal and policy discourse.

At its moral core, the Bill embodies a humane instinct - that no family should be rendered homeless for want of a few lakhs. In recent years, several tragic incidents in Kerala have exposed the human cost of mechanical enforcement under the Securitisation and Reconstruction of

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