This is a formal court notice from the Criminal Courts in Ludhiana, published on July 23, 2026.It concerns a criminal case (COMA/4248/2023) filed by HDFC Ltd against Ashwani Kumar regarding an offense under Section 25 of the Payment and Settlement Systems Act.The accused is required to appear before Judicial Magistrate 1st Class, Ms. Joyti Kumari, on August 4, 2026.The notice indicates the accused has been absconding or concealing himself to avoid a warrant of arrest.