D.P. Wadhwa, J.—On a complaint filed by Basanti Devi, widow of Bhim Singh, under Section 18 of the Consumer Protection Act, 1986 (‘Act’ for short) the State Commission by its judgment dated November 10,1993 directed the Delhi Electric Supply Undertaking (DESU) to pay a sum of Rs. 50,000/- with interest at the rate of 15% per annum from December 17,1992 to the complainant till the date of payment. Life Insurance Corporation (‘LIC for short), the insurer was, however, absolved of any liability. By the impugned judgment dated January 13,1995 by majority (2 : 1) National Consumer Disputes Redressal Commission (‘National Commission’ for short), on appeal, affirmed the order of the State Commission. DESU is the constituent of Delhi Municipal Corporation, a body corporate under the Delhi Municipal Corporation Act, 1957. Both the National Commission and the State Commission are constituted under the Consumer Protection Act, 1986.

2. LIC floated a “Salary Savings Scheme” under which Bhim Singh, an employee of DESU took an insurance policy for an amount of Rs. 50,000/- with the LIC. Insurance policy was to commence on January 28,1992. Bhim Singh had paid Rs. 636/- as premium for two m