Mrs. Rekha Gupta, Member—Revision Petition no. 3057 of 2013 has been filed under section 21 (B) of the Consumer Protection Act, 1986 against the order dated 25.02.2013 passed by the Kerala State Consumer Disputes Redressal Commission, Thiruvananthapuram (‘the State Commission’) in appeal no. 558 of 2012.

2. The facts of the case as per the petitioner/ opposite parties are that the respondent/complainant and her husband had jointly availed a housing loan from the petitioner. The loan number was 67015249089. The second opposite party (OP) before the District Forum had asked the respondent and her husband to take a SBI Life Insurance Policy so as to indemnify the repayment of loan amount in the event of the death of the respondent or her husband. Accordingly, Rs.33,300/- was retained towards insurance premium and only disbursed Rs.4,50,000/- out of the sanctioned loan amount of Rs.4,83,300/- (Rupees four lakh eighty three thousand three hundred only). On enquiry, it was learnt that it was a usual practice to give insurance coverage to all housing loans.

3. The respondent and her husband had paid the EMI Rs.5,010/- promptly till April 2008. The husband of the respondent met with an