Mr. Justice J.K. Mehra, Member—This is an appeal arising from the common order passed by the State Consumer Disputes Redressal Commission, Haryana at Chandigarh. It appears that the respondent approached the appellant Bank for facilities sometime, on or about 25th February, 1989 for the first time and got the facilities sanctioned. At the time of approaching the Bank for facilities and opening the Account, no disclosure was made of the fact that the appellant was one of the 1984 riot victim. It was a commercial loan and overdraft facilities were sanctioned on the terms and conditions contained in the sanction letter of the Bank. In the meantime, in the year 1992 the Reserve Bank of India had come out with a scheme of Grant of Interest Subsidy by Nationalised Banks to the 1984 riots victims. This benefit was available, provided the applicants fulfilled certain conditions and not otherwise. Under the said scheme, the lending Banks had to grant that benefit of the said subsidy to the parties who were covered by the term “Deserving Case” as defined under the said Scheme. Such subsidy was not to be granted by the Reserve Bank of India. Under that scheme, every party was required to