Retirement Benefits Can Be Attached for Maintenance Despite Section 60(1)(g) CPC: Kerala High Court

In a significant judgment, the Kerala High Court has ruled that retirement benefits—including pensions and gratuity—can be attached to secure maintenance for dependents, despite the exemption provided under Section 60(1)(g) of the Code of Civil Procedure (CPC). This ruling was delivered in the case of Rifa Fathima vs. Salim & Others, OP(FC) No. 503 of 2025, dated 07 November 2025.[1][2][3]

Case Background and Decision

The petitioner, a minor daughter represented by her mother, approached the Family Court after her retired father failed to pay ordered maintenance and education expenses for several years. Fearing that her father would withdraw his retirement lump sum to avoid his obligations, she sought the preemptive attachment of his benefits.[2][3]

The Family Court initially declined the request, citing the Supreme Court’s precedent in Radhey Shyam Gupta which upholds the immunity of retirement benefits under Section 60(1)(g) CPC. However, upon appeal, Justice Snehalatha of the Kerala High Court clarified that maintenance is a legal and moral duty, not a commercial debt. The protection under Section 60(1)(g) cannot be invoked to defeat a dependent’s right to maintenance.[3][1][2]

Judicial Reasoning and Constitutional Principles

The High Court emphasized several constitutional values, including Articles 15(3) and 39, which mandate the protection of women and children. The judgment highlighted that maintenance laws serve public policy objectives and support social justice. As the bench observed:

“A person's obligation to maintain his minor children is a fundamental, legal, and constitutional duty. The right of a wife or minor child to maintenance supersedes the employee's right to claim exemption under Section 60(1)(g) CPC.”[4][1][3]

The court thereby set aside the earlier order, directing the Family Court to re-examine the plea for attachment of retirement benefits and to prioritize the welfare of the dependent minor child.[2]

Section 60(1)(g) of the Code of Civil Procedure

Section 60(1)(g) of the Code of Civil Procedure, 1908 provides that certain properties are exempt from attachment and sale during the execution of a decree. Specifically, clause (g) exempts "stipends and gratuities allowed to pensioners of the Government or of a local authority or of any other employer, or payable out of any service family pension fund notified in the Official Gazette by the Central or State Government, and political pensions" from being attached or sold to satisfy a judgment or decree.[1]

This means that pension amounts and gratuities granted after retirement generally cannot be seized by a court to pay creditors, except in specific exceptions (such as maintenance decrees, as clarified in recent case law). The purpose of this provision is to ensure that retired individuals are not left destitute by execution proceedings and can sustain themselves after retirement.[2][1]

Other clauses in Section 60 enumerate further exemptions, including wages of labourers, a right to future maintenance, and allowances declared exempt by Indian law. Notably, courts have recognized that these exemptions may not apply when the decree relates to maintenance for dependents, in which case the public interest in ensuring basic subsistence overrides these statutory protections.[2][1]

Summary Table:

Section/Clause

What is Exempted

Application

60(1)(g) CPC

Pension, gratuity, stipends

Generally exempt from attachment[1]

Legal Exception

Maintenance decrees

Can be attached by court[2]

 Key Takeaways

·       Kerala High Court: Retirement benefits can be attached for maintenance despite Section 60(1)(g) CPC.[1][3][2]

·       Maintenance is a statutory and constitutional right, not merely a debt.[3][1]

·       Public policy and constitutional protections for dependents override statutory exemption of retirement benefits.[4][2]

·       Case citation: Rifa Fathima vs. Salim & Others, OP(FC) No. 503 of 2025, High Court of Kerala, Date: 07 November 2025.[2]




 

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