JUDGMENT :

Senthilkumar Ramamoorthy, J.

(Prayer in W.A.No.424 of 2020: Writ Appeal is filed under Clause 15 of Letters Patent, to set aside the order passed in W.P.No.17136 of 2019 dated 28.02.2020 and allow the writ petition.

W.A.No.425 of 2020: Writ Appeal is filed under Clause 15 of Letters Patent, to set aside the order passed in W.P.No.17134 of 2019 dated 28.02.2020 and allow the writ petition.

W.A.No.426 of 2020: Writ Appeal is filed under Clause 15 of Letters Patent, to set aside the order passed in W.P.No.17128 of 2019 dated 28.02.2020 and allow the writ petition.)

1. These three appeals are filed in respect of the declaration of the loan accounts of the respective Appellant as a non-performing asset (NPA) by the fourth Respondent bank (the Bank). In each of the cases, writ petitions were filed by the respective Appellant for a Writ of Mandamus to direct the RBI to enquire into the complaints dated 27.05.2019 and 28.05.2019 with regard to the classification of the respective loan account as a NPA. The RBI Master Circular No.DBR.No.BP.BC.2/21.04.048/2015-16 dated 01.07.2015 deals with, inter alia, asset classification. As per Clause 2.1.2 thereof, an account would be declared as