JUDGMENT :

DHANANJAYA Y. CHANDRACHUD, J.

1. Leave granted.

2. The appeals arise from two orders of the National Consumer Disputes Redressal Commission¹ [“NCDRC”] namely (i) an order dated 7 May 2019 by which the NCDRC dismissed the appeal as withdrawn with liberty to approach the appropriate forum on the request of the counsel for the appellant and (ii) an order dated 25 July 2019 of the NCDRC dismissing the application for review.

3. The appellant instituted a consumer complaint before the State Consumer Disputes Redressal Commission² [“SCDRC”] at Lucknow. The case of the appellant was that he and his father, fourth respondent, opened a joint Fixed Deposit³ [“FD”] account on 7 January 2016, at Agra Branch of the first respondent⁴ [“Respondent bank”]. The FD was in the amount of INR 75 lakhs for a period of 145 days, interest being payable at the rate of 7.5% per annum. The amount of the FD on maturity was INR 77 lakhs. According to the appellant, on 31 May 2016, the appellant and his father jointly gave written instructions to the respondent bank to renew the joint FD for ten days, while retaining the joint mode of operation.

4. On 1 June 2016, appellant’s father travelled to Surat to