1. You will get the legal notice within 30 days and after 15 days from there you will receive a notice from the court, if you appear before the court then the warrant will not be issued.
2. Yes, you can tender a reply to this effect.
3. No, there is no direct arrest. You will have to appear before the court.
4. Bank can not give arrest warrant. Warrants are issued by the court and if you get arrest warrant without the procedure being followed by the court, you may challenge the warrant before the court.
5. Do not worry about the fake calls. You will receive a notice from the court, if there is any progress in the case
Regards