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    <title>2020 (7) TMI 27 - CALCUTTA HIGH COURT</title>
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    <description>Under the RBI wilful-defaulter framework, the availability of a built-in review mechanism does not create an absolute bar to writ jurisdiction, but Article 226 interference at the initial identification stage is confined to exceptional cases of patent illegality, bias, mala fides or gross miscarriage of justice. Where the show cause notice is clear, the borrower is given inspection, extension and hearing opportunities, and the decision is reasoned, the Court will ordinarily leave factual disputes to the review committee. Applying that approach, the challenge failed because no jurisdictional defect, natural justice breach or arbitrariness was shown, and the wilful-defaulter declaration was not disturbed in writ scrutiny.</description>
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