You should firstly understand the law involved in the proposed action.

You should get a reply in writing for the communication in writing done by you seeking clarification from the bank for their such an erratic action which deprives you the privileges and rights as envisaged in the terms and conditions of the loan agreement.

For injunction you can approach civil court itself by filing a suit for permanent injunction againstthe bank restraining them from indulging in such unfair practice and also to not make your account NPA at their whims and fancies without following correct and legal procedures in this aspect.

1) if bank does not provide limit after sanction then you should complain to bank ombudsman against bank action

2) similarly if limit is with drawn without any reason issue notice to bank to restore limit as with drawal affects your working capital for business and causes loss in business

3) if your account becomes NPA court would not grant you stay in case recovery proceedings are initiated by bank but you can make counter claim for losses suffered by you

if account is declared NPA bank would take recovery proceedings before DRT

Tribunal would not grant you any stay of the recovery proceedings .

Can be approach to the court after NPA of the Bank A/c.

Once the bank is declaring the asset as NPA you have no option than to approach DRT alone and not a civil court.

After declaring NPA the bank may issue notice under sarfesi act and may initiate follow up action as envisaged in the law in this regard, hence better be alert about it.

If the bank does not provide the limit after sanction then a suit for mandatory injunction can be filed against it. Furthermore, injunction can also be sought against classification of your account as NPA due to the lapse on the part of the bank. The suit has to be filed in the court within the local limits of whose jurisdiction the bank is situated.