NOC
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NOC keeps tanking

Bro your delay evidence is v imp, that Feb 11 NOC catches their claim about receiving it in April. The part you'll get questioned on in consumer court is showing that this delay is what actually shut your shop.
So try to keep all the papers that link the 2 like the rent dues, the missed payment dates, the closure then I think you case is quite strong

Hi everyone, I want to share how HDFC Bank's timeline discrepancies and delays completely destroyed my small business in Nellore (AP). I applied for a ₹15,000 loan under the Govt's PM SVANidhi scheme (App: PMS012614252006).
The Timeline:
Feb 11/12: They checked my CIBIL. I immediately provided my NOC via WhatsApp to the Branch Manager and via email to their Grievance team (I have all timestamped proofs). My CIBIL had 0 overdues at this time.
Feb to March: The branch completely sat on my file. At one point, an internal email claimed my file was "credit rejected," which made no sense as my record was clean.
April 2: The branch suddenly sanctioned the loan. They falsely claimed they "just received" the NOC on April 2nd (ignoring the Feb 11th emails). Ironically, when they sanctioned it on April 2, my CIBIL actually showed a ₹1500 overdue, meaning they could have easily sanctioned it in Feb when it was clean!
April 6: Disbursed. But to release the funds, I was forced to send a "satisfaction email" because I was in severe financial distress and needed the money to pay rent arrears.
The Result: Because they delayed the working capital for 70+ days, my shop "Rakesh Digital Hub" had to be permanently closed.
To add to the mess, on April 9th, HDFC updated the NCH (National Consumer Helpline) portal saying the loan was not disbursed! They also submitted the manipulated April timeline to the RBI Ombudsman to get my first complaint closed.
I am preparing to file a case in the District Consumer Forum for deficiency of service. Has anyone faced similar timeline manipulation by bank branches? How did you deal with it legally? Any advice on handling the Consumer Court process would be helpful.