JUDGMENT :

INDU MALHOTRA, J.

Leave granted.

1. The present Civil Appeal has been filed to challenge the Order dated 30.11.2018 passed in Revision Petition No. 472 of 2018 by the National Consumer Disputes Redressal Commission (hereinafter referred to as “the National Commission”).

2. The factual matrix in which the present case has been filed is as under:

2.1. The Complainant/Appellant’s husband Late Anand Duparte had obtained a personal loan of Rs. 2,00,000/- on 27.02.2015 from the Respondent-Finance Company.

The personal loan was advanced on 27.02.2015 after executing the loan agreement, and completing all legal formalities.

The Respondent-Finance Company secured the loan by issuance of an insurance policy by its sister concern i.e. M/s Shriram General Insurance Company Ltd. on behalf of the Borrower.

In the Cover Note of the said policy, the Insured was shown as: M/s Shriram City Union Finance Ltd. i.e. the Respondent-Finance Company.

The insurance policy was a Group Insurance Policy issued to various borrowers, including the Appellant’s husband, whose name was at Serial No. 263 of the list.

2.2. The loan was to be serviced by the Appellant’s husband in 48 monthly instalments of Rs. 7,933