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Githa Hariharan v. Reserve Bank of India

31 October, 2025
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Githa Hariharan v. Reserve Bank of India (1999) — Mother as Natural Guardian | The Law Easy
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Githa Hariharan v. Reserve Bank of India (1999) 2 SCC 228

Supreme Court of India 1999 Two-Judge Bench (1999) 2 SCC 228 Minority & Guardianship ~7 min
Section 6 HMGA Natural Guardian Articles 14 & 15
Illustration: guardianship and child welfare in Supreme Court of India

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Quick Summary

This case asked if a mother can be the natural guardian of a minor when the father is incapable or indifferent. The Supreme Court read the word “after” in Section 6 HMGA as “in the absence of”, not only after the father’s death.

The Court upheld the law by giving it a welfare-based, equality-friendly interpretation aligned with Articles 14 & 15 and CEDAW. RBI was asked to process the bonds accordingly.

Natural Guardian Section 6 HMGA Child Welfare

Issues

  • Can the mother act as the natural guardian when the father is incapable or indifferent under Section 6 HMGA?
  • Is Section 6 HMGA (read with Section 19 GWA) violative of Articles 14 and 15 of the Constitution?

Rules

  • Section 6(a), HMGA 1956: Natural guardians of a Hindu minor—father, and after him, the mother (subject to exceptions).
  • Section 4(b), HMGA 1956: Definition of guardian.
  • Section 19, Guardians and Wards Act: When court may not appoint a guardian if a fit parent exists.
  • Articles 14 & 15, Constitution: Equality and non-discrimination.
  • CEDAW & Beijing Declaration: International duty to prevent gender discrimination.

Facts (Timeline)

Timeline graphic: RBI bonds and guardianship application
Ms. Githa Hariharan and her husband had a son, Rishab.
In 1984, both applied to RBI for 9% relief bonds in the child’s name; they stated the mother would act as natural guardian for the investment.
RBI asked for the father’s signature on the form or a guardianship certificate in favour of the mother.
The petitioner challenged Section 6 HMGA and Section 19 GWA as violating Articles 14 & 15.
Parallel family litigation: custody and divorce proceedings; the husband insisted he alone was the natural guardian.
The Supreme Court heard the matters together due to the common constitutional question.

Arguments

Appellant (Mother)

  • Equality: Section 6 must be read to allow mothers when fathers are incapable/apathetic, else it offends Arts. 14 & 15.
  • Welfare first: Child’s best interests control guardianship choices.
  • Practical need: RBI should accept the mother as guardian for the bonds.

Respondents (RBI/Husband)

  • Text: Father is the natural guardian; mother is after the father.
  • Procedure: For bonds, father’s consent or court certificate is needed.
  • Status quo: No decision without the father’s permission.

Judgment

Gavel and guardianship concept

Held: The word “after” in Section 6 HMGA means “in the absence of”—including incapacity, apathy, or indifference—not only after the father’s death. A mother can be the natural guardian in such situations.

The Court used a welfare-centric and equality-consistent reading; it did not strike down Section 6. RBI was directed to adopt proper methods to issue the bonds.

Ratio Decidendi

  • Meaning of “after”: Read as “in the absence of” to serve child welfare and equality.
  • Mother’s authority: Valid when the father is mentally/physically incapable or shows total apathy.
  • Constitutional harmony: A welfare-based interpretation aligns Section 6 with Arts. 14 & 15 and CEDAW.

Why It Matters

This ruling modernised guardianship law without striking the statute. It centres child welfare, supports gender equality, and guides banks and courts on recognising a mother as natural guardian when appropriate.

Key Takeaways

  • “After” in Section 6 HMGA = “in the absence of”, not only post-death.
  • Mother can be natural guardian if the father is incapable or indifferent.
  • Child’s welfare and equality drive interpretation; Section 6 is upheld.

Mnemonic + 3-Step Hook

Mnemonic: “AFTER = ABSENCE”

  1. Rule: Section 6 says father, then mother—but read as absence.
  2. Fact: Father incapable/apathetic → mother steps in.
  3. Result: Mother valid guardian; law upheld.

IRAC Outline

Issue

Can the mother be natural guardian when the father is incapable, and does Section 6 violate equality?

Rule

Section 6 HMGA, Section 19 GWA, Articles 14 & 15; CEDAW principles; welfare of the child.

Application

“After” = “absence”; father’s apathy/incapacity triggers mother’s lawful guardianship.

Conclusion

Section 6 is upheld; mother recognised as natural guardian on facts.

Glossary

Natural Guardian
Parent legally responsible for a minor’s person/property.
In the Absence Of
Not only death—also incapacity, apathy, or indifference.
Child Welfare
Best interests of the child—guiding test in guardianship.

FAQs

A mother can act as the natural guardian when the father is incapable or indifferent. “After” means “in the absence of.”

No. The Court saved Section 6 by reading it in line with equality and child welfare.

Jijabai Vithalrao Gajre and Pannilal v. Rajinder Singh—both recognise the mother’s guardianship where the father is not effectively available.

RBI was told to adopt proper methods and issue the bonds recognising the mother’s guardianship.
CASE_TITLE: Githa Hariharan v. Reserve Bank of India  |  PRIMARY_KEYWORDS: Section 6 HMGA; Natural Guardian; Mother as Guardian  |  SECONDARY_KEYWORDS: Articles 14 & 15; CEDAW; Section 19 GWA; Child Welfare
PUBLISH_DATE: 31 Oct 2025  |  AUTHOR_NAME: Gulzar Hashmi  |  LOCATION: India
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Reviewed by The Law Easy Family & Guardianship Equality & Non-Discrimination Child Welfare
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