Where a bank has been charging interest rate from a borrower at a rate prescribed by RBI, such rates of interest cannot be questioned in a court of law under the provisions of which of the following?

Under Banking Regulation Act, 1949, 21(A), rate of interest charged by banking companies will not to be subject to scrutiny by courts. Notwithstanding anything con­tained in the Usurious Loans Act, 1918 (10 of 1918) or any other law relating to indebtedness in force in any state, a transaction between a banking company and its debtor shall not be re-opened by any court on the ground that the rate of interest charged by the banking company in respect of such transaction is excessive.