# Pooja Ramesh Singh vs. Jammu and Kashmir Bank Ltd. & Anr.

> SC judgment dated 2026-07-02. Citation: TCN-2026-SC-00100. The case originated from a Section 7 application under the Insolvency and Bankruptcy Code, 2016,…

- **Court:** SC
- **Order date:** 2 Jul 2026
- **Citation:** TCN-2026-SC-00100
- **Category:** IBC
- **Source page:** https://caseease.in/cases/ibc/supreme-court-of-india/pooja-ramesh-singh-vs-jammu-and-kashmir-bank-ltd-anr-exmyp

## Summary

### Background

The case originated from a Section 7 application under the Insolvency and Bankruptcy Code, 2016, filed by Jammu and Kashmir Bank Limited against Essel Infraprojects Ltd. (EIL), a corporate guarantor. The NCLT admitted the application, and the NCLAT dismissed the subsequent appeal. The appellant, a suspended director of EIL, challenged the NCLAT's decision before the Supreme Court, primarily on the ground that the NCLT and NCLAT had relied on non-existent, fake, and AI-generated precedents.

## Facts

The appellant is a suspended director of Essel Infraprojects Ltd. ('EIL'), which is the corporate debtor and corporate guarantor for Pan India Utilities Distribution Company Ltd. ('PIUDCL').

PIUDCL availed loan facilities from Jammu and Kashmir Bank Limited (Respondent No. 1), and EIL executed a corporate guarantee to secure these facilities.

PIUDCL experienced financial stress and failed to maintain repayment schedules, leading to its loan accounts being classified as non-performing assets.

Respondent No. 1 filed an application under Section 7 of the Insolvency and Bankruptcy Code, 2016, before the NCLT, Mumbai, seeking initiation of the corporate insolvency resolution process against EIL.

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## Issues and analysis

### Issue 1: Whether a judgment or decision based on non-existent, fake, or hallucinated material, especially …

**Ratio:** A decision of a Court or an adjudicating authority based on material which is fake and

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**Reasoning:** The Court emphasized that reliance on non-existent, fake, and hallucinated material,

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**Interpretation:** The Court adopts a zero-tolerance mode for producing, citing, or using

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**Application:** The judgments and orders passed by the NCLT and NCLAT, which relied on such

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## Parties

- **Judges:** Pamidighantam Sri…; ALOK AR…
- **Appellants:** Pooja Rames…
- **Respondents:** Essel Infraproject…; Pan India…; +1 more
- **Other parties:** Jammu And Kashmir…
- **Advocates:** Madhavi…

## Timeline

- **2024-08-28 — NCLT Ord…**: National Company Law Tribunal (NCLT), Mumbai, admitted the Section 7 application,…
- **2025-09-11 — NCLAT Jud…**: National Company Law Appellate Tribunal (NCLAT) dismissed the appeal filed by the…

## Legal provisions

- [Insolvency and Bankruptcy Code, 2016, Section 7 — Initiation of corporate insolvency resolution…](https://caseease.in/legal-provisions/insolvency-and-bankruptcy-code-2016/section-7)

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