J.M. Malik, Presiding Member—Counsel for the parties present. Arguments heard. Mrs. S. Vasudharini, the complainant obtained Kamadhenu Deposit Scheme on 10.10.2006. According to her, she made a deposit of Rs. 1,00,000/-, for which she made a payment of Rs. 50,000/- by way of cash and for the balance amount of Rs. 50,000/- she paid the same through cheque. The Canara Bank- the Opposite Party issued the Kamadhenu Deposit Scheme i.e. FDR in favour of the complainant in the sum of Rs. 1,00,000/-. On maturity, she got back Rs.1,00,000/- together with interest in the sum of Rs. 7187/-.

2. In the month of September 2009, it transpired that the complainant had not deposited Rs. 50,000/- in cash. The Canara Bank/OP unilaterally debited the sum of Rs. 61,383/- without any written communication. She approached the Bank and it replied that the amount paid in cash on 10.10.2006 was not credited in her account book and it is to be presumed that no cash in the sum of Rs. 50,000/- was paid by her in cash.

3. The defense set up by the petitioner/OP is that she could not produce the receipt of deposit of Rs. 50,000/- or any other evidence to show that the she paid the amount of Rs. 50,000/- in