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    <description>The Court confined the operative effect of its earlier judgment to the directions summarised in paragraph 81 and clarified that it did not create a universal mandate for personal hearing beyond those directions. It also declined to grant prospective effect in the present order, leaving the State Bank of India free to seek that relief through a separate review petition. The Miscellaneous Application and any pending applications were then disposed of, bringing the interlocutory proceedings to an end.</description>
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