Not a lawyer. Find a competent lawyer and consult with him bring your documents related to your loan.
You have a really short time, but still you can try to file a petition before the High Court of Calcutta, to quash this case since this is a civil matter and twisted by the bank to threaten you. However, given your financial situation, you can appear for the hearing and request the magistrate for adjournment. There are many ways to handle this situation but everything needs money. Be confident, youโll sure get help. ๐