1. first wait for the judgment of DRAT Allahabad.
2. you will have to file your objections against the bank's application to transfer the matter to another DRT
3. if the transfer application of bank is allowed by DRAT Allahabad and the matter is ordered to be transferred to some other DRT which is far way from your house, then you can challenge the DRAT Allahabad decision by filing a writ petition in High Court
4. DRAT Allahabad has to consider the say of both the parties. It cannot order the transfer just on the basis of the bank's apprehension that DRT Lucknow is biased in favour of borrower
5. If the bank has offered you OTS, then you must go for it
6. but the bank will not restore your possession until the entire OTS amount is cleared by you