While the three judge bench of justices NV Ramana, Sanjay Kaul and BR Gavai, disposed the matter because the petitioners were not borrowers, it also noted that that the counsel for the petitioner had submitted that the RBI guidelines on moratorium had not been implemented.source https://economictimes.indiatimes.com/industry/banking/finance/banking/supreme-court-directs-rbi-to-ensure-implementation-of-moratorium-in-letter-and-spirit/articleshow/75476630.cms
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