JUDGMENT :

A.S. Bopanna, J.

1. The appellant is before this Court in this appeal claiming to be aggrieved by the order dated 10.11.2022 passed by the National Consumer Disputes Redressal Commission, New Delhi (‘NCDRC’ for short) in Consumer Complaint No. 2367 of 2018. By the said order the NCDRC has concluded that the appellant is bound by the terms and conditions of the agreement dated 11.01.2006, while the respondent was bound by various instructions of the Reserve Bank of India (‘RBI’ for short), at the time of signing the agreement dated 11.01.2006. Hence the complaint filed by the appellant was dismissed. The appellant is therefore before this Court.

2. The brief facts are that the appellant was in need of home loan. The respondents No. 2 and 3 being the employees of respondent No. 1 approached the appellant during August 2005. The appellant was exploring the option of securing loan from other financial institutions as well. The case of the appellant is that respondents No. 2 and 3 being the direct sales agent and the resident manager of respondent No. 1 - HDFC convinced the appellant that the rate of interest charged by the respondent No. 1 on home loan was lesser than what was